Search found 492 matches

by chabil
Tue May 22, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: Predicting income from investment
Replies: 13
Views: 920

Re: Predicting income from investment

The calculator at Firecalc gave me an idea to go to this Vanguard page:
https://personal.vanguard.com/us/funds/ ... calculator
Even plugging in 4% it seems like it was good idea.
Thank you for the help.
by chabil
Tue May 22, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: Predicting income from investment
Replies: 13
Views: 920

Predicting income from investment

We just financed our car purchase at 2.49% for 5 years. If I invest the same amount, say 40K, in VTSAX, what would be the the income from that investment at 5 years? Can one assume an 8% return on VTSAX based on past performance? Does that mean the 40K will earn 8% per year for the next 5 years, if ...
by chabil
Sun May 20, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 5567

Re: What’s your phone/internet bill?

$122 for Comcast landline/internet/cable - 2 year contract
$ 100 for 1000 minutes cell for each of us on T-moble, No data. We never give out this number it is mainly emergencies and urgent calls.
We use our landline a lot for everything.
by chabil
Fri May 18, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 2785

Re: Hot food flavoring (sauces, spices and peppers)

take 5 or 6 hot red chilies, dried. I cup coriander seed. 3 or 4 cloves of peeled fresh garlic.
Grind together in your clean coffee grinder. Save in a jar. Fragrant and yummy on anything.
by chabil
Fri May 18, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 2785

Re: Hot food flavoring (sauces, spices and peppers)

Get some hot green chillies - thin, small ones. Make sure they are fresh, rinse and dry, and snap off the stems. Save them in a ziplock bad and place it in the freezer. when you want hot,take one or two, place it on your cutting board and chop fine. I use a pestle from my set and crush them. Sprinkl...
by chabil
Fri May 18, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3266

Re: Road trip Newark NJ to Albany

Visit the FDR library in Hyde park. Very interesting time, fascinating couple. Nicely done. Eat at the Culinary Institute.
by chabil
Thu May 17, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Buying a 2017 Lexus ES 350
Replies: 27
Views: 3439

Re: Buying a 2017 Lexus ES 350

So we purchased a 2018 Lexus ES350 today. We think we got a pretty good deal. We decided we wanted the basic model - which comes with almost every amenity we like in our cars, plus all the safety features, and media connections and Bluetooth. We also wanted a couple of options - the leather and wood...
by chabil
Wed May 02, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 1959

Re: Is Today a good day for TLH?

Yay. My first TLH for the year today. Since March 26 when I had invested some large amounts of money in VTSAX I have been tracking the Dow, VTSAX, the VTI, and the difference in price between the two daily. I felt all these moved in a certain rhythm and until I got a sense of it I did nothing while ...
by chabil
Tue May 01, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Vanguard Money Market Account Check wise
Replies: 15
Views: 1272

Re: Question on Vanguard Money Market Account Check wise

what is the reason to write checks directly from your Vanguard account? So I have a similar question as the OP. We are negotiating on a car purchase and plan to pay for it with a check for the full amount. I don't have check writing privileges with he Money market fund so will have to move the mone...
by chabil
Sat Apr 28, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: Did you rent car in Spain?
Replies: 18
Views: 903

Re: Did you rent car in Spain?

We have travelled in Spain twice and each time we rented a car. We picked it up at the airport and I feel it is the best way to travel in Europe. It also gives you more freedom to get better rates in hotels away from city center. We could not find a hotel in the Ramblas in Barcelona and took the sug...
by chabil
Sat Apr 28, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Lexus ES 350 versus Hyundai Genesis
Replies: 22
Views: 6530

Re: Lexus ES 350 versus Hyundai Genesis

Bumping up. Owners of 2 lexus, I drive an ES330, love it. The interior is elegant, great sound quality, very reliable. The 2018 Lexus ES interior is so very disappointing. We are considering a Genesis. One reservation I have is the reliability factor that CR has rated. We will be soon testing out a ...
by chabil
Sat Apr 28, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: More aggressive portfolio with a pension?
Replies: 42
Views: 3681

Re: More aggressive portfolio with a pension?

We are retired. Our SS and pension covers our expenses adequately. I do not consider them as bond funds, I consider we may lose that pension. It has happened to other corporate employees - Polaroid for instance. GE is in a scary place. Even SS is not totally guaranteed, laws may change. Our AA is 60...
by chabil
Wed Apr 25, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 1959

Re: Is Today a good day for TLH?

Quick question please, I could not find the exact answer on other discussions or missed it. Can I use VTI etf as TLH partner for VTSAX (Total Stock market ETF and MF) without invoking any problem? I have never traded in ETFs, always only MFs. Is there anything I should be mindful about? My usual go...
by chabil
Wed Apr 25, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 1959

Re: Is Today a good day for TLH?

Quick question please, I could not find the exact answer on other discussions or missed it. Can I use VTI etf as TLH partner for VTSAX (Total Stock market ETF and MF) without invoking any problem? I have never traded in ETFs, always only MFs. Is there anything I should be mindful about? My usual go ...
by chabil
Tue Apr 24, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 11326

Re: New retirees: so whatdayathink ?

In 2000 I was 50 when I decided to get my MFA in fiction and quit my job. My husband continued to work and retired 4 years ago. Those 2+ years of school were wonderful. I published several short fiction, one got honorable mention in Pushcart Prize for Fiction, and 2 years ago I published my first no...
by chabil
Sat Apr 21, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: How much does tinkering hurt returns?
Replies: 16
Views: 1563

Re: How much does tinkering hurt returns?

In the same tinkering way, how does TLH and moving funds to TLH partner fund and back affect returns? If I move 50k from VTSAX to SP500 index fund, and then back again, what will I be losing? Or Gaining?
by chabil
Thu Apr 19, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 16690

Re: anyone else not liking the new cars?

We are looking to replace one of our 2 Lexus which my husband is ready to give up. I love my 2005 Lexus which also has 195k miles. We test drove a Subaru Legend today as CR raves about it. Did not like the ride, I want cushy. We will test drive a Lexus now I don’t mind the Lexus grill, it is the int...
by chabil
Thu Apr 19, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 3084

Re: Do you use Yahoo? New Privacy Terms

anoop, thank you. I am going to wait and see what happens after the dead line, and not click on the link or accept anything. I have been suspicious of yahoo for some time now because the address bar was not always secure. I also notice I use yahoo mail for mundane things. Only financial stuff I do i...
by chabil
Thu Apr 19, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 3084

Re: Do you use Yahoo? New Privacy Terms

Pretty easy for me to switch email providers. I use an alias which is forwarded to what my current email provider is. Originally, it pointed to my university email address, then to hotmail, then to yahoo, and now to gmail. Any time I switch providers, I lose the ability to take my archive, but othe...
by chabil
Wed Apr 18, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 3084

Re: Do you use Yahoo? New Privacy Terms

Woodshark wrote:
Wed Apr 18, 2018 6:03 pm
I've gotten the the alert also. Seems the new company wants carte blanch to use information in our email,etc., and an agreement not to sue them.
Including email from Financial institutions. Who needs to know where I bank and hold my assets?
by chabil
Wed Apr 18, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 3084

Do you use Yahoo? New Privacy Terms

I don't know if all this is inevitable but they don't want pieces of us anymore. They want ALL of us. https://www.theverge.com/2018/4/14/17237864/oath-aol-yahoo-email-privacy-terms-scan-ads Another link: https://www.cnet.com/news/yahoo-aol-oath-privacy-policy-verizon-emails-messages/ I have not clic...
by chabil
Tue Apr 17, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4522

Re: car at 80

I have a Lexus ES 300 10 years and 90k miles. We live be in the Boston area and it is fine. But we also don't drive very much in bad weather. Glad you posted. We are also 80 and 67. He is finally willing to trade his for a new car and we plan to get another Lexus, a new ES 350. I am also doing it fo...
by chabil
Fri Apr 13, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 1959

Re: Is Today a good day for TLH?

I had losses but not worth the trouble. I feel an opportunity soon.
by chabil
Fri Apr 13, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 1959

Re: Is Today a good day for TLH?

I’m a bit torn about TLH,after all the L is for Loss I think what is often ignored is you restabish your basis in some other investment. And potentially fees to get out iof the loser and into the next investment I’m not suggesting to avoid sell at a loss or to hold forever just that the loss isnt t...
by chabil
Fri Apr 13, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 1959

Re: Is Today a good day for TLH?

RCL wrote:
Fri Apr 13, 2018 1:39 pm
I assume you mean today's, before market close price?
yes
by chabil
Fri Apr 13, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 1959

Re: Is Today a good day for TLH?

livesoft wrote:
Fri Apr 13, 2018 12:51 pm
Today would not be a good day to TLH for @chabil. They have almost no losses.
Thank you, Livesoft.
Is it possible to correlate VTI EFT price movements to what will happen with VTSAX price?
by chabil
Fri Apr 13, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 1959

Re: Is Today a good day for TLH?

Without more information from you, I cannot tell if today is a good day to TLH for you or not. It is not a good day for me. 1. When was the last time you bought any shares of VTSAX? VTI? VTSMX? VTSAX 3/26. I exchanged the entire holding of VTSAX in an IRA account for VLCAX on the same date. There i...
by chabil
Fri Apr 13, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 1959

Is Today a good day for TLH?

Finally I am prepared mentally to do some harvesting in VTSAX - VG Total Stock market. Does today look like a good day? I am watching how VTI ETF is doing so I can make a decision this afternoon.
by chabil
Wed Apr 11, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Year End Planning
Replies: 9
Views: 706

Re: Year End Planning

Vanguard.com estimates the fraction of qualified dividends (and thus non-qualified dividends) on its web site in Nov-Dec. I also look at previous year. I have sold shares before the ex-dividend date to avoid them. Livesoft, don't you then have cap. gains? and how do you get back on the market?
by chabil
Sat Apr 07, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: Portfolio Watch
Replies: 7
Views: 714

Re: Portfolio Watch

I am surprised at this! It divides my holdings into those sub classes and then I can drill down to assets and dollar value and it will sort all my holding into those classes and also show them in comparison to market index - up or down. IIRC Vanguard treats it's own funds differently from non Vangu...
by chabil
Fri Apr 06, 2018 2:17 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Watch
Replies: 7
Views: 714

Re: Portfolio Watch

Some of the flaws of Portfolio Watch are described in this thread: https://www.bogleheads.org/forum/viewtopic.php?t=150267 I don't know what you really want to get out of it, so I don't know what you are missing. For instance, if you want to know how your international funds are divided up among la...
by chabil
Fri Apr 06, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Watch
Replies: 7
Views: 714

Re: Portfolio Watch

Morningstar might be more accurate, but it is probably fine if you are using all vanguard funds. From the wiki on portfolio watch: . Vanguard Portfolio Watch does not break down most funds into subclasses properly as it treats most funds as being entirely in their primary stock category rather than...
by chabil
Fri Apr 06, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Watch
Replies: 7
Views: 714

Portfolio Watch

I use the Vanguard portfolio watch tool regularly and it works great ever since we migrated all our accounts to Vanguard. I have one Bond Index Fund from another company and I have manually entered it and the tool includes it in the analysis. I also use it to re-balance which I seem to need to do le...
by chabil
Thu Apr 05, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Selling individual stocks when they're down?
Replies: 10
Views: 937

Re: Selling individual stocks when they're down?

We are in similar position and I just sold a large portion of shares. It is a disturbing feeling because I immediately regretted it, worried about the cap gain (also very low cost basis.) Over the past few days I have been looking for opportunities to TLH to set off the gain although we have enough ...
by chabil
Wed Apr 04, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: Comprehensive list of tax loss harvesting partners
Replies: 64
Views: 5758

Re: Comprehensive list of tax loss harvesting partners

Yes VTIAX - Use Vanguard FTSE All-World ex-US Index Fund VTSAX - Use Large cap index or (S&P 500 and Extended market index) I'll let others chime in on the last 3 I have used the above as TLH partners before. When I recently compares S&P500 and Extended with VTSAX, I am a bit confused. Extended is ...
by chabil
Mon Apr 02, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Individually and Jointly held stocks and funds
Replies: 7
Views: 635

Re: Individually and Jointly held stocks and funds

What you need to fill out is this Agent Authorization form https://advisors.vanguard.com/iwe/pdf/AGENT.pdf There are two types of agents and the form describes what each type can do. And yes you can assign multiple agents. Maybe your daughter can be a limited agent. We already have granted mutual a...
by chabil
Mon Apr 02, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: Individually and Jointly held stocks and funds
Replies: 7
Views: 635

Re: Individually and Jointly held stocks and funds

What are the ramifications of holding assets one way or the other upon a spouse's death? ... What happens cost basis wise on the taxable assets - all VG funds, and some stocks, if H passes before me? If you the wife owns taxable accounts individually and your husband dies first, you get no basis ad...
by chabil
Wed Mar 28, 2018 10:46 pm
Forum: Investing - Theory, News & General
Topic: TLH With SpecID If Bought Within 30 Days Before Harvesting
Replies: 20
Views: 1639

Re: TLH With SpecID If Bought Within 30 Days Before Harvesting

@chabil, who is your broker? @chabil, "Another IRA account with VTSAX has no purchases at all in 6 months." What happened to the March 2018 dividend paid by VTSAX in this IRA? Livesoft, what broker? All our stuff is with Vanguard.. That IRA account VTSAX has all dividends diverted to money market a...
by chabil
Wed Mar 28, 2018 10:08 pm
Forum: Investing - Theory, News & General
Topic: TLH With SpecID If Bought Within 30 Days Before Harvesting
Replies: 20
Views: 1639

Re: TLH With SpecID If Bought Within 30 Days Before Harvesting

Purchases: 12/20/2017 1/10/2018 2/12/2018 2/26/2018 3/2/2018 3/12/2018 3/21/2018 3/26/18 There are prior purchases for years, none of them have loss. All recent purchases shown have losses (Total Stock Market). An IRA account with VTSAX that had some dividend re-investments in March was completely e...
by chabil
Tue Mar 27, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help
Replies: 18
Views: 1140

Re: TLH help

Earl Lemongrab wrote:
Tue Mar 27, 2018 7:39 pm
chabil wrote:
Tue Mar 27, 2018 4:56 pm
Bought shares VTSAX Friday
Sold shares VTSAX today.
Wash sale, correct?
Even if there were a loss, if the shares sold included the ones bought, then no wash. Where would the replacement shares be?
I am thinking of shares bought in the 30 days before.
by chabil
Tue Mar 27, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help
Replies: 18
Views: 1140

Re: TLH help

Just to be clear about using MM for TLH:
It does not prevent a wash sale.
If you need to transact back into the original fund after the 30 days, there is no loss/gain.
by chabil
Tue Mar 27, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help
Replies: 18
Views: 1140

Re: TLH help

Invest money, 1 market day later already made 2.4%. Yes, I sold Total Stock Market today. Together, Friday and today is a great example of why one would not want to go to cash if they had tax-loss harvested on Friday. Bought shares VTSAX Friday Sold shares VTSAX today. Wash sale, correct? Of course...
by chabil
Tue Mar 27, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help
Replies: 18
Views: 1140

Re: TLH help

livesoft wrote:
Mon Mar 26, 2018 2:32 pm
Invest money, 1 market day later already made 2.4%. Yes, I sold Total Stock Market today.

Together, Friday and today is a great example of why one would not want to go to cash if they had tax-loss harvested on Friday.
Bought shares VTSAX Friday
Sold shares VTSAX today.
Wash sale, correct?
by chabil
Mon Mar 26, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 99
Views: 6812

Re: I didn't tax-loss harvest this month, did you?

I had $1000 worth of tax lass in Total Stock which I could not harvest because I did not want a wash sale, I needed the real loss. I invest regularly into it so my purchases were recent. I am now setting up my all accounts to be able to do it in the next downturn. So you now know who to fault if the...
by chabil
Sun Mar 25, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale rule confusion
Replies: 24
Views: 3298

Re: Wash sale rule confusion

If I have a wash sale and add that to my replacement shares so my cost basis has been increased, who keeps record of that? Do those shares magically appear with higher cost basis? Or is this something I need to keep track of, keep the paper trail, until I finally sell these shares? I think I had a s...
by chabil
Sun Mar 25, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: How do you know when you need a trust?
Replies: 22
Views: 3204

Re: How do you know when you need a trust?

In my mind, the principal advantage of a trust (a "revocable living trust") is that it avoids the probate process when one passes away. In California (and I presume elsewhere too) the probate process is lengthy, quite expensive, and a listing of all your assets is put into the public record (provid...
by chabil
Sat Mar 24, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: How do you know when you need a trust?
Replies: 22
Views: 3204

Re: How do you know when you need a trust?

A transfer deed can work, but all it does is transfer the property to one or more beneficiaries. They then have to figure out what to do with the property. Every time you have a change you have to file a new deed. I don't know all the details, so I can't say if contingents are allowed or variable p...
by chabil
Fri Mar 23, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help
Replies: 18
Views: 1140

Re: TLH help

chabil wrote:
Fri Mar 23, 2018 6:59 pm
livesoft wrote:
Fri Mar 23, 2018 6:01 pm
I bought more shares of VTSAX today as well. :thumbsup
:beer
Do I need to wait 31 days before selling from this fund now? I mean to avoid wash sale?
by chabil
Fri Mar 23, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help
Replies: 18
Views: 1140

Re: TLH help

livesoft wrote:
Fri Mar 23, 2018 6:01 pm
I bought more shares of VTSAX today as well. :thumbsup
:beer
Do I need to wait 31 days before selling from this fund now?
by chabil
Fri Mar 23, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help
Replies: 18
Views: 1140

Re: TLH help

Thank you Livesoft and iceport. I appreciate the suggestions.
I decided to wait till Monday. And then I went and bought more shares in VTSAX.
Oh well.