Search found 212 matches

by pc95
Thu Nov 19, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 136
Views: 7444

Re: Prop 19 CA Inheritance Property Implications

To verify, with 3 heirs to property, the live-in requirement applies to all 3?

What happens to the prop tax if only 1/3 heirs can or wants to move in?

Also CA Franchise calls out $500,000 capital Gains exclusion for 2 owners. If there are 3 owners, does the exclusion scale to $750,000?

Thanks.
by pc95
Wed Nov 18, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 136
Views: 7444

Re: Prop 19 CA Inheritance Property Implications

[quote=goos_news post_id=5605640 time=1605683617 user_id=149225] [quote=pc95 post_id=5605251 time=1605659762 user_id=29974] [quote=jameskay post_id=5605217 time=1605658575 user_id=163732] Make 100% sure you understand the capital gains issue vs the property tax issue before you do anything. Capital ...
by pc95
Tue Nov 17, 2020 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 136
Views: 7444

Re: Prop 19 CA Inheritance Property Implications

[quote=jameskay post_id=5605217 time=1605658575 user_id=163732] Make 100% sure you understand the capital gains issue vs the property tax issue before you do anything. Capital gains matters irrespective of whether the house is worth more than $1000000. Hypothetical scenario: - House cost basis is $1...
by pc95
Tue Nov 17, 2020 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 136
Views: 7444

Re: Prop 19 CA Inheritance Property Implications

[quote=sergeant post_id=5605119 time=1605654759 user_id=4384] I feel bad for Jeff Lebowski but I'm sure The Dude will abide. Most people don't keep their parents home as a rental and I expect most will continue to enjoy the step up basis when they inherit it and then sell it. Prop 19 wasn't just a t...
by pc95
Tue Nov 17, 2020 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 136
Views: 7444

Re: Prop 19 CA Inheritance Property Implications

We are leaning toward protecting against the property tax vice the capital gains - ie going through gifting prior to Feb. Of course there is always the (very) low probability that prices crash down hugely (due to say mass unemployment or something). That doesn't seem too likely with steady populatio...
by pc95
Tue Nov 17, 2020 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 136
Views: 7444

Re: Prop 19 CA Inheritance Property Implications

Thanks for the reply Bobby. Luckily (or unluckily maybe) our inheritance is under the FMV $1million exclusion - in the further distance future though, who knows? Any ideas when there are 3 recipients as to if only 1 of the inherited owners must take residence to ward off the huge tax hike? Adult chi...
by pc95
Tue Nov 17, 2020 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 136
Views: 7444

Prop 19 CA Inheritance Property Implications

Prop 19 passed for 2021 throwing a new wrench in property inheritance in CA. Specifically (starting February 2021) children have to live in the inherited house to receive the prop 13 property tax basis exclusion up to under $1million. So in the future if inheriting the house, but if say we wanted to...
by pc95
Sat Oct 17, 2020 8:41 am
Forum: Personal Investments
Topic: VYM vs SCHD vs ? - Strategizing Moderately Conservative Investing
Replies: 14
Views: 970

Re: VYM vs SCHD vs ? - Strategizing Moderately Conservative Investing

[quote=aristotelian post_id=5551645 time=1602939548 user_id=116225] I am not clear what you are proposing. Are you taking money from CD's and replacing them with dividend stock ETF? That seems like exactly what the Fed wants you to do, taking increased risk in response to low yields. Many people are...
by pc95
Sat Oct 17, 2020 8:25 am
Forum: Personal Investments
Topic: VYM vs SCHD vs ? - Strategizing Moderately Conservative Investing
Replies: 14
Views: 970

Re: VYM vs SCHD vs ? - Strategizing Moderately Conservative Investing

[quote=snailderby post_id=5551585 time=1602937244 user_id=137228] pc95, what's your goal with this portfolio? Lower volatility than the stock market with higher returns than cash or CDs? And are you still in the accumulation stage, or are you approaching (or enjoying) retirement? [/quote] Yes, it ma...
by pc95
Sat Oct 17, 2020 7:16 am
Forum: Personal Investments
Topic: VYM vs SCHD vs ? - Strategizing Moderately Conservative Investing
Replies: 14
Views: 970

Re: VYM vs SCHD vs ? - Strategizing Moderately Conservative Investing

I think its fairly safe to state that this has little to do with getting rich quickly - and more to do with smoothing out bumps, or contemplating ephemerality of our new trends. Have been lucky enough with my profession to stay away from trappings of getting rich quickly to a degree - or maybe havin...
by pc95
Fri Oct 16, 2020 11:50 pm
Forum: Personal Investments
Topic: VYM vs SCHD vs ? - Strategizing Moderately Conservative Investing
Replies: 14
Views: 970

VYM vs SCHD vs ? - Strategizing Moderately Conservative Investing

Been awhile since on Bogleheads - Its been a tough year for this dividend investor. Prior to this volatile market (ala virus), had stock singles, CDs, smaller amount of ETFs, foreign currencies, gold, and 401ks. Never got a rental - too many horror stories from friend land-lords. To recap - Singles ...
by pc95
Sat Oct 19, 2019 10:34 am
Forum: Personal Investments
Topic: Buy Limit Order Filling Question
Replies: 14
Views: 1077

Re: Buy Limit Order Filling Question

I have had this happen 2 or 3 times in the last couple weeks with NSANY. Was able to get an initial position at an earlier transaction, but its getting annoying seeing the price bounce under the limit with no sale. I agree that the opposite would be much more frustrating too. I'm about ready to head...
by pc95
Sat Oct 19, 2019 1:38 am
Forum: Personal Investments
Topic: Buy Limit Order Filling Question
Replies: 14
Views: 1077

Re: Buy Limit Order Filling Question

460 shares.....not a huge order, and under the limit for 10 min.
by pc95
Sat Oct 19, 2019 1:28 am
Forum: Personal Investments
Topic: Buy Limit Order Filling Question
Replies: 14
Views: 1077

Re: Buy Limit Order Filling Question

NSANY - Nissan
by pc95
Sat Oct 19, 2019 12:49 am
Forum: Personal Investments
Topic: Buy Limit Order Filling Question
Replies: 14
Views: 1077

Buy Limit Order Filling Question

Anyone know why stock orders do not fill when the price point drops below your limit price? I've been using Schwab and trying to purchase a stock which went 10c under my buy limit value for 10 min according to the chart, but wouldn't fill. Was told by Schwab rep that there were no shares to buy. But...
by pc95
Fri Jun 07, 2019 11:25 am
Forum: Personal Investments
Topic: REITs Kimco (KIM) vs VRTPX ?
Replies: 2
Views: 249

REITs Kimco (KIM) vs VRTPX ?

Looking at dividend REITs single or index funds....thoughts on SCHH, VRTPX, KIMCO? Leaning toward VRTPX. Don't own any REITs, but was interested in the income. Already have some other dividend stocks but was looking to diversify another larger dividend source to a degree. The Schwab fund has a lower...
by pc95
Sat May 18, 2019 6:09 pm
Forum: Personal Investments
Topic: RecordKeeping Fee 401k Fidelity - IRA Rollover?
Replies: 23
Views: 1963

Re: RecordKeeping Fee 401k Fidelity - IRA Rollover?

What are your plan expense ratios for the following funds (if your plan has them)? Vantagepoint 500 Stock Index Fund Vantagepoint Broad Market Index Fund Vantagepoint Mid/Small Company Index Fund Vantagepoint Overseas Equity Index Fund Vantagepoint Core Bond Index Fund I think these were all 0.4 ER ...
by pc95
Sat May 18, 2019 4:07 pm
Forum: Personal Investments
Topic: RecordKeeping Fee 401k Fidelity - IRA Rollover?
Replies: 23
Views: 1963

Re: RecordKeeping Fee 401k Fidelity - IRA Rollover?

"Roll it all to Roth IRA and pay tax at your marginal rate on the part that has not yet been taxed. Likely not a good idea unless the pre-tax portion is small." Assuming the pretax amount ~$130k going to be added to the current year's taxes....it might push into higher brackets....would th...
by pc95
Sat May 18, 2019 10:19 am
Forum: Personal Investments
Topic: RecordKeeping Fee 401k Fidelity - IRA Rollover?
Replies: 23
Views: 1963

Re: RecordKeeping Fee 401k Fidelity - IRA Rollover?

[quote=lakpr post_id=4550362 time=1558190729 user_id=25251] ...if the fees is asset based, that would be just $320 per year. In the big scheme of things that does not matter. It is not ideal, but not the hill I would choose to die on; the way I view it is an additional fee that would allow me to con...
by pc95
Fri May 17, 2019 10:06 pm
Forum: Personal Investments
Topic: RecordKeeping Fee 401k Fidelity - IRA Rollover?
Replies: 23
Views: 1963

Re: RecordKeeping Fee 401k Fidelity - IRA Rollover?

[/quote] If you do a rollover of the old 401k to traditional IRA — your only rationale for such move will be this $320 per year you will be incurring on an annual basis — the new Rollover IRA will prevent you from doing backdoor Roth. [/quote] My understanding from reading is you must rollover the T...
by pc95
Fri May 17, 2019 9:47 pm
Forum: Personal Investments
Topic: RecordKeeping Fee 401k Fidelity - IRA Rollover?
Replies: 23
Views: 1963

Re: RecordKeeping Fee 401k Fidelity - IRA Rollover?

[quote=lakpr post_id=4549254 time=1558121978 user_id=25251] [quote=pc95 post_id=4549190 time=1558120133 user_id=29974] Ok, What about the case where we do not plan to add funds to these IRAs? After 59.5, we'd begin siphoning the traditional ira first, and later the roth. Thx. [/quote] What purpose d...
by pc95
Fri May 17, 2019 9:02 pm
Forum: Personal Investments
Topic: RecordKeeping Fee 401k Fidelity - IRA Rollover?
Replies: 23
Views: 1963

Re: RecordKeeping Fee 401k Fidelity - IRA Rollover?

Duckie: https://www.icmarc.org/ We did pickup some "lower" expense funds at about 0.4 ERs. And those were the lowest ERs offered. Covered the usual basic sectors 1 each whatever had the lowest ER. https://www.icmarc.org/products-and-services/457-and-401-plans.html Note it was a 457. So we ...
by pc95
Fri May 17, 2019 2:08 pm
Forum: Personal Investments
Topic: RecordKeeping Fee 401k Fidelity - IRA Rollover?
Replies: 23
Views: 1963

Re: RecordKeeping Fee 401k Fidelity - IRA Rollover?

Ok, What about the case where we do not plan to add funds to these IRAs? After 59.5, we'd begin siphoning the traditional ira first, and later the roth. Thx.
by pc95
Fri May 17, 2019 12:21 pm
Forum: Personal Investments
Topic: RecordKeeping Fee 401k Fidelity - IRA Rollover?
Replies: 23
Views: 1963

Re: RecordKeeping Fee 401k Fidelity - IRA Rollover?

What is the 300+ per year being compared to exactly? Isn't the 6k backdoor Roth for new funds?
by pc95
Fri May 17, 2019 6:49 am
Forum: Personal Investments
Topic: RecordKeeping Fee 401k Fidelity - IRA Rollover?
Replies: 23
Views: 1963

Re: RecordKeeping Fee 401k Fidelity - IRA Rollover?

I should also explain about half of her old 401k is roth, half traditional. The Fidelity rep said we could break and roll the 401 into half traditional IRA and half roth ira. We do make over the threshhold. After reading the disclosure, we are being charged 0.22% of all assets per year which comes t...
by pc95
Thu May 16, 2019 9:07 pm
Forum: Personal Investments
Topic: RecordKeeping Fee 401k Fidelity - IRA Rollover?
Replies: 23
Views: 1963

RecordKeeping Fee 401k Fidelity - IRA Rollover?

Greetings, have a quick question on Fidelity. My wife changed jobs recently, and we liked Fidelity so we decided to keep the 401k with her old employer. Her employment ended at the end of January 2019. Her new employer does not have Fidelity, and we don't like the plan as much. Fast-forward to today...
by pc95
Tue Nov 06, 2018 10:15 pm
Forum: Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 4156

Re: 3.75% - 5-year CD

[quote=CRTR post_id=4201423 time=1541542718 user_id=88548] [quote=pc95 post_id=4200787 time=1541520873 user_id=29974] I'm going full tilt if/when 4%. Thought this is a noteworthy step though. I think the tendency for policy seems to be knee-jerk rate cuts. Cheap borrowing. Much easier to take a pena...
by pc95
Tue Nov 06, 2018 10:09 pm
Forum: Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 4156

Re: 3.75% - 5-year CD

I think he's talking about the interest rate projection with FEDs over time - its been generally mentioned there are still rate hikes in the hopper.
by pc95
Tue Nov 06, 2018 9:03 pm
Forum: Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 4156

Re: 3.75% - 5-year CD

Thanks Nalor.
by pc95
Tue Nov 06, 2018 11:14 am
Forum: Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 4156

Re: 3.75% - 5-year CD

I'm going full tilt if/when 4%. Thought this is a noteworthy step though. I think the tendency for policy seems to be knee-jerk rate cuts. Cheap borrowing. Much easier to take a penalty if incorrect, and jump into a higher rate.
by pc95
Mon Nov 05, 2018 10:17 pm
Forum: Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 4156

3.75% - 5-year CD

https://www.greenwoodcu.org/gcu-rates/c ... -deposits/

This is nice, 4%-CDs may be following pretty soon.
by pc95
Sat Aug 18, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: TD-Ameritrade Investment Las Vegas Conference
Replies: 0
Views: 595

TD-Ameritrade Investment Las Vegas Conference

Anyone ever attend investment conferences in Las Vegas? A friend of mine was planning to attend an upcoming one by TD-Ameritrade during a weekend, and I was curious if it worthwhile. Opinions or experiences welcome....
by pc95
Fri Aug 17, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: Freedom Credit Union 30 Month 3.56%APY CD (Closed))
Replies: 15
Views: 2077

Re: Freedom Credit Union 30 Month 3.56%APY CD (Closed))

If you're a CD-monger, I think its worth it. Depending the amount your'e investing, the difference could be worth 1000s, 10s of 1000s, or more. I think its a bit better to be invested in different banks to protect with FDIC limits.
by pc95
Sun Aug 12, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Freedom Credit Union 30 Month 3.56%APY CD (Closed))
Replies: 15
Views: 2077

Re: Freedom Credit Union 30 Month 3.56%APY CD

Nope....here's a 5 year similar rate at a different credit union, in case:

https://www.ussfcu.org/personal/savings ... cates.html

So you have 2 credit union.s to choose from....you should be ok for September.
by pc95
Sun Aug 12, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: Freedom Credit Union 30 Month 3.56%APY CD (Closed))
Replies: 15
Views: 2077

Re: Freedom Credit Union 30 Month 3.56%APY CD

I'm holdin' out for 4%....hoping by the end of the year they'll be fairly close.
by pc95
Thu Aug 02, 2018 6:54 am
Forum: Investing - Theory, News & General
Topic: US Senate FCU with 5 Yr 3.47% CD
Replies: 3
Views: 811

Re: US Senate FCU with 5 Yr 3.47% CD

Yes have been waiting for some months now. Senate bumped it about 0.15%. Good thing is there are lots of smalller and medium banks or credit unions. May continue to wait - might start in on ~ a 3.7%-er
by pc95
Wed Aug 01, 2018 11:33 pm
Forum: Investing - Theory, News & General
Topic: US Senate FCU with 5 Yr 3.47% CD
Replies: 3
Views: 811

US Senate FCU with 5 Yr 3.47% CD

https://www.ussfcu.org/personal/savings ... cates.html

If the rumors serve true, we just might see CDs at ~ 4% by the end of the year. Haven't seen a normal 4% or better CD since 2011.
by pc95
Thu Jul 26, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 7287

Re: Hold one stock 25 years

Sandtrap wrote: Thu Jul 26, 2018 4:27 pm
David Jay wrote: Thu Jul 26, 2018 3:22 pm Kodak, Polaroid, Nortel, Worldcom, Palm...

No way I want to bet on any one company for 25 years.
+1
Compaq, Pan Am, Sears, . . . . .
j
If you owned Compaq stock, you actually rolled into HPQ and have been ok....
by pc95
Sat Dec 30, 2017 9:56 am
Forum: Non-US Investing
Topic: Japanese Investments (Expat using Yen)
Replies: 2
Views: 474

Japanese Investments (Expat using Yen)

Anyone living or investing in Japanese brokerages using Yen? If so, any recommended companies that offer index funds there? Thx.
by pc95
Thu Dec 28, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 16054

Re: Ally Bank 12 month CD now 2.00%

Holding out for longer term 3%+ CDs hopefully soon....4% would be sell-some-stocks time.
by pc95
Thu Dec 28, 2017 12:00 am
Forum: Personal Investments
Topic: Should I sell my stock?
Replies: 14
Views: 2052

Re: Should I sell my stock?

Selling a winning stock is difficult. I liken it to quitting while you're ahead though. There is a chance you will leave additional gains behind or a very small chance your old company hits it big and you miss out, but collecting a hefty payday is much better than a meager one, or a loss. Its the ol...
by pc95
Tue Dec 26, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: NavyFed IRA CDs: 32-months 2.75% APY
Replies: 24
Views: 3007

Re: NavyFed IRA CDs: 32-months 2.75% API

[quote=UncleBen post_id=3679820 time=1514078464 user_id=51596] I think it's a pretty good deal. It's for IRA/ESA only, $50 minimum $250k max, $100 bonus if it's your first CD w/NFCU. [b]I do think people might be hesitant to go with 32 months thinking that rates will be rising. [/b] They also have a...
by pc95
Tue Dec 26, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Cost Basis Tax Question
Replies: 10
Views: 574

Re: Simple Cost Basis Tax Question

Yes, I sent a message. The fact that I have to pester them with messages is poor. Their response time online has been generally slow too - always next day. I have Vanguard as well...Schwab has better trade fees unless one has a large account with Vanguard.
by pc95
Tue Dec 26, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Cost Basis Tax Question
Replies: 10
Views: 574

Re: Simple Cost Basis Tax Question

That's a nice wrinkle to it....I previously used OptionsExpress, now merged into Schwab, who frustratingly now do not show purchase history prior to Oct 17! I thought it was going to be merged in so waited and didn't bother to inquire, but now I have to follow up. I am not too happy about the mess-u...
by pc95
Tue Dec 26, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Simple Cost Basis Tax Question
Replies: 10
Views: 574

Re: Simple Cost Basis Tax Question

I made multiple purchases of a single stock at different times (market days). The stock position currently is net positive, as the cost basis indicates even though some of the purchase prices before were above the current position. The purchases were also not equal amounts of shares each purchase.
by pc95
Tue Dec 26, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Simple Cost Basis Tax Question
Replies: 10
Views: 574

Re: Simple Cost Basis Tax Question

This is a single stock....was interested in pulling the basis and letting the gains run. So I'd be on the hook for the Capital gains rate (15% I think it is) regardless.
by pc95
Tue Dec 26, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Simple Cost Basis Tax Question
Replies: 10
Views: 574

Simple Cost Basis Tax Question

Quick hypothetical question-example, lets say you had 1000 shares of xyz that you've bought over a year ago at different times that has an average cost basis of $1000. Your current position of those shares is $1400 and you sell $1000 worth of shares (~714.28 shares) leaving the gains behind as the r...
by pc95
Sun Dec 24, 2017 8:36 am
Forum: Personal Investments
Topic: Single Stocks EPR and OKE Dividend Stocks
Replies: 7
Views: 763

Re: Single Stocks EPR and OKE Dividend Stocks

Yes I've owned Vanguard High Dividend Yield fund for a bit over a year. and recently changed it out. It is doing fairly well recently, and I'm fairly concerned that markets are overbought right now, so I've lessoned positions in index funds on the whole. I have no clue on the timing, duration, or ma...
by pc95
Sun Dec 24, 2017 2:55 am
Forum: Personal Investments
Topic: Single Stocks EPR and OKE Dividend Stocks
Replies: 7
Views: 763

Single Stocks EPR and OKE Dividend Stocks

Anyone own either of these 2 high dividend stocks? If so, what's your take? OKE looks especially interesting.....I'm going to be tracking it. As a pipeline stock, wondering about its long-term viability. It has a fairly low market cap at 20B and high P/E at 32.