Search found 590 matches

by PinotGris
Wed Jan 16, 2019 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees: Timing your withdrawals
Replies: 45
Views: 4663

Re: Retirees: Timing your withdrawals

Once at the end of the year works for me. That way money stays invested tax advantaged for the year. The best part is you can have your entire tax for the year deducted from this end of the year payment so your tax also stays invested for the year. Tax deducted with this method is considered as pay...
by PinotGris
Tue Jan 15, 2019 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 25
Views: 2439

Re: Is Today a good day for TLH?

I know I should know this but just a quick check: Fund VTSAX (Total Stock Mkt) Last Purchase date: 11/13/18 Last exchange for TLH : 12/18/18 (Replacement shares in VFIAX) Safe TLH date from VTSAX (31 days) 1/18/19 TLH amount (not all shares) $1600 (900 is LT Loss) Replacement shares in VFIAX (Index ...
by PinotGris
Thu Jan 10, 2019 3:13 am
Forum: Personal Finance (Not Investing)
Topic: Child # 3 - seeking advice from older members
Replies: 89
Views: 6998

Re: Child # 3 - seeking advice from older members

I was 21 when we had our first child and we were so happy with her we never thought of having another one until she cried for a baby brother/sister. I was finishing my college and worried about taking a break and delivered my second and my degree the same year. A girl and a boy and 2 grand kids. Ano...
by PinotGris
Wed Jan 09, 2019 8:41 pm
Forum: Investing - Theory, News & General
Topic: Your Vanguard Page
Replies: 32
Views: 2858

Re: Your Vanguard Page

I rarely login to my Vanguard account unless I know something has changed. The only changes are ones that I expect: 1. Quarterly distributions, so that is 4 logins per year to check them. 2. Roth IRA contribution, so that is once per year. 3. Tax documents appear, so that is once more per year. I d...
by PinotGris
Wed Jan 09, 2019 2:40 am
Forum: Investing - Theory, News & General
Topic: Your Vanguard Page
Replies: 32
Views: 2858

Your Vanguard Page

How often do you visit your Vanguard account page and what pages do you visit? Lately I have been visiting the page daily to check how the total balance is doing. Then I go to cost basis view to see how much I have lost, in what funds, and short term or long term. Then I go to portfolio watch page t...
by PinotGris
Tue Jan 01, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: Fish Tacos in DTLA
Replies: 3
Views: 779

Fish Tacos in DTLA

We are visiting family in LA and plan to visit the Grammy Museum and then go for lunch. Looking for great fish tacos, no food trucks, a bit of ambiance would be nice.
Suggestions?
Would also like suggestions for places in Los Feliz.
Thanks
by PinotGris
Sun Dec 30, 2018 7:10 pm
Forum: Investing - Theory, News & General
Topic: AA and market [Asset Allocation - are you rebalancing?]
Replies: 39
Views: 2288

Re: AA and market [Asset Allocation - are you rebalancing?]

... Does portfolio watch show you what each fund is off? I did not see this. ... I am not a Vanguard Portfolio Watch super-user, but on the allocation, stock analysis, bond analysis, and cost pages there are links to breakdowns by specific holdings. In my own portfolio I have noticed they do not ne...
by PinotGris
Sat Dec 29, 2018 2:01 am
Forum: Investing - Help with Personal Investments
Topic: TLH re-investment
Replies: 1
Views: 219

TLH re-investment

The settlement amount that results from a TLH can be large. Do you buy shares for the whole some into the partner fund? If not how do you time the market?
by PinotGris
Thu Dec 27, 2018 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: What are some disadvantages to TLH?
Replies: 51
Views: 2632

Re: What are some disadvantages to TLH?

I find I can get so caught up on harvesting losses that I have sold investments that I later regret. This even after I had made note to myself NEVER to sell.
Basically I am harvesting losses to set off against gains in order to move investments that are wrong for taxable.
by PinotGris
Thu Dec 27, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable contributions as a tax efficiency tool
Replies: 5
Views: 238

Charitable contributions as a tax efficiency tool

With the new tax law, charitable contributions for tax advantage will be greatly minimized. I am not sure how much charities will suffer. Personally I will continue to contribute to those places I believe in - child protection, allivating hunger, saving the environment, education for the disadvantag...
by PinotGris
Wed Dec 26, 2018 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons NOT to tax loss harvest?
Replies: 29
Views: 3329

Re: Reasons NOT to tax loss harvest?

After waiting all year to TLH, my (quite annoying) reason for not doing so now is I simply don't have time. Never done it before and don't have time to go back and reread all of my bookmarks ensuring I do it correctly. It’s not rocket surgery. It takes five minutes to save thousands of dollars. Wou...
by PinotGris
Mon Dec 24, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: AA and market [Asset Allocation - are you rebalancing?]
Replies: 39
Views: 2288

Re: AA and market

letsgobobby wrote:
Mon Dec 24, 2018 5:03 pm
PinotGris wrote:
Sat Dec 22, 2018 6:28 pm
My AA is off by 6 figures right now. No way can I buy that kind of equity unless I exchange bonds for equity in the retirement account.
that’s exactly what I did this morning. why wouldn’t you?
Yup! Now can the market go back up please?
by PinotGris
Mon Dec 24, 2018 5:06 pm
Forum: Investing - Theory, News & General
Topic: What’s your TLH Strategy [Tax Loss Harvest]
Replies: 42
Views: 2658

Re: What’s your TLH Strategy

I use TLH to correct mistakes in my taxable account. Like I hold a bunch of stocks which I would like to sell and move the cash into index fund. I need to set off that capital gain with a paper loss. I do struggle with timing and sadly this period in the market was a no brainer as to when to take th...
by PinotGris
Mon Dec 24, 2018 4:47 pm
Forum: Investing - Theory, News & General
Topic: AA and market [Asset Allocation - are you rebalancing?]
Replies: 39
Views: 2288

Re: AA and market

OP, Is it possible that your interpretation or calculation of 5/25 band rebalancing is wrong? The market will have to go down at least 20% before it should trigger your rebalancing band. We are not anywhere close to that yet. In fact, in my case, with 40% of my portfolio in the Wellington fund, it ...
by PinotGris
Mon Dec 24, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: AA and market [Asset Allocation - are you rebalancing?]
Replies: 39
Views: 2288

Re: AA and market

Again, the point of rebalancing is to keep the expected risk of the portfolio near where it was intended to be when one chose an asset allocation. Generally a reasonable bands approach using a rule like 5/25 does not impose rebalancing very frequently, even when market prices change by quite a bit....
by PinotGris
Mon Dec 24, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: AA and market [Asset Allocation - are you rebalancing?]
Replies: 39
Views: 2288

Re: AA and market

Say you reballance only once a year in January. After you do this the market drops again. Does one need to watch to reballance again? Or does the once a year work? I really don't watch the market that much all year. I also, don't have my portfolio set where I can easily see if each fund dropped or ...
by PinotGris
Sun Dec 23, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: AA and market [Asset Allocation - are you rebalancing?]
Replies: 39
Views: 2288

Re: AA and market

OP, Is it possible that your interpretation or calculation of 5/25 band rebalancing is wrong? The market will have to go down at least 20% before it should trigger your rebalancing band. We are not anywhere close to that yet. In fact, in my case, with 40% of my portfolio in the Wellington fund, it ...
by PinotGris
Sat Dec 22, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: AA and market [Asset Allocation - are you rebalancing?]
Replies: 39
Views: 2288

Re: AA and market

My AA is off by 6 figures right now. No way can I buy that kind of equity unless I exchange bonds for equity in the retirement account. I happen to hold Wellington in my taxable account - a mistake, I know. The cap gains are killing me. I had already exchanged a large portion into VTSAX and I plan t...
by PinotGris
Sat Dec 22, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: AA and market [Asset Allocation - are you rebalancing?]
Replies: 39
Views: 2288

Re: AA and market

Pinot - there are several other threads going on at this time similar to your question. You might want to jump into one of those. But to answer your question - adjusting one's AA according to market conditions seems to defeat the very purpose of having a set AA. I did not mean adjusting my AA but a...
by PinotGris
Sat Dec 22, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: AA and market [Asset Allocation - are you rebalancing?]
Replies: 39
Views: 2288

AA and market [Asset Allocation - are you rebalancing?]

We used to be at 70% equity and after retirement dropped it to 60%. Lately the equity position is hovering at 54%. No matter what new money I invest it is not budging because of the loss of value.
Are you re-balancing your AA in this turbulent market or just let it ride?
by PinotGris
Fri Dec 21, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: MIL looking for a large "luxury" sedan
Replies: 51
Views: 4986

Re: MIL looking for a large "luxury" sedan

WE have owned 3 Lexus ES. Loved all of them. We just replaced my 2005 ES 350 for a 2018 ES. It is and it feels a little more compact than the 2005 model - like the trunk space is quite tight, the glove compartment is very snug. The compartments between the seats where you can keep stuff like your gl...
by PinotGris
Thu Dec 20, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Qualified Dividend related to TLH
Replies: 4
Views: 189

Re: Qualified Dividend related to TLH

declared on 12/20 and payable on 12/24 . Got it from the Vanguard site. Evidently it was updated. Looks like I will have no distributions on those shares. :beer WARNING: Both the declared date and the payable date can have nothing to do with the ex-dividend date, so what you wrote is not confirmati...
by PinotGris
Thu Dec 20, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Qualified Dividend related to TLH
Replies: 4
Views: 189

Re: Qualified Dividend related to TLH

Only shares owned overnight from 12/20/2018 to the next morning will pay the owner a distribution. You won't get the distribution. You cannot confirm or believe that you won't get the distribution until Vanguard updates your online account a day after the "Payable Date" and you see nothing of the s...
by PinotGris
Thu Dec 20, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Qualified Dividend related to TLH
Replies: 4
Views: 189

Qualified Dividend related to TLH

I sold shares of VTSAX ( VG Total Stock) on 12/18/18 that were purchased on 11/1/18 and 11/13/18. What happens to the 4th quarter dividends related to these shares - declared on 12/20 and payable on 12/24 I will receive no dividends on these. (I HOPE!) I will receive non-qualified dividends. I am tr...
by PinotGris
Thu Dec 20, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Beta Vanguard APP
Replies: 38
Views: 2653

Re: Beta Vanguard APP

I spoke with vanguard today. The person I spoke to knew nothing about vanguard beta testing software. I immediately deleted all the emails related to the invitation I received from test flight. There is absolutely no doubt that it is a legitimate Vanguard app. I would not expect a a custom service ...
by PinotGris
Wed Dec 19, 2018 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Beta Vanguard APP
Replies: 38
Views: 2653

Re: Beta Vanguard APP

Vanguard has a mobile app for iPhone and I have used it. I cannot download it on my iPad because it is too old and the version has no updates. I never received any invitation to test.
by PinotGris
Wed Dec 19, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio Watch
Replies: 13
Views: 1015

Re: Vanguard Portfolio Watch

Do folks use the vanguard Portfolio Watch tool to monitor their overall AA? What are folks’ thoughts on it’s reliability/accuracy? Does this tool takes into account the manually-entered “Outside Investments” section, or does it base it calculations strictly on Vanguard-held assets? Thanks Yes. Good...
by PinotGris
Wed Dec 19, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: Artemis Attack on the Bogleheads
Replies: 80
Views: 9166

Re: Artemis Attack on the Bogleheads

HEDGEFUNDIE wrote:
Wed Dec 19, 2018 4:44 pm
So this is what he actually said:

“Passive investing is just a form of momentum trading, as a passive investor you are entirely dependent on flow”

Discuss.
Is flow like in "flow yoga"? Sorry.
by PinotGris
Wed Dec 19, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Harvest Loss or Not
Replies: 6
Views: 504

Re: Harvest Loss or Not

livesoft wrote:
Wed Dec 19, 2018 8:27 am
This may be helpful: https://www.bogleheads.org/wiki/Approxi ... ock_market

I wouldn't worry about getting exactly what you want.
Perfect! Very useful link, saved me a lot of effort. Thank you, Livesoft.
by PinotGris
Wed Dec 19, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Harvest Loss or Not
Replies: 6
Views: 504

Replacement shares for TLH

VG 500 was the first fund I bought when I started our taxable portfolio. I picked up this information from an article that I read, that recommended I buy this and VEXAX (VG Extended mkt). and also Wellington which I also bought, (yes,in taxable! quelle horreur! ) Then I read Paul Merriman’s book and...
by PinotGris
Tue Dec 18, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: So...do I keep buying more equities?
Replies: 49
Views: 5757

Re: So...do I keep buying more equities?

Should I keep buying into the market as its dropping? Feel like at this point that any day it drops 1% to 2% or more, I should just keep buying a small portion of it and reduce my overall cost basis. This is a great time to buy equities. The problem I am facing is when I do a TLH. It is also a grea...
by PinotGris
Tue Dec 18, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Harvest Loss or Not
Replies: 6
Views: 504

Re: Harvest Loss or Not

VTSAX closed yesterday at $63.38, so you have a reasonable loss of about 7% although it might end up less today. I would definitely tax-loss harvest. It will do you good. You don't have to exchange into VFIAX, but could exchange into VLCAX. If these go down, then TLH again. And again. And again. Ev...
by PinotGris
Tue Dec 18, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Harvest Loss or Not
Replies: 6
Views: 504

Harvest Loss or Not

I have been consolidating our equity position in Taxable into VTSAX (Total Stock Market). I just got rid of some stock holdings and the proceeds went into VTSAX. Also I invested all our income from other investments and my spouse's MRW net of taxes for this year into the VTSAX. The last couple of pu...
by PinotGris
Mon Dec 17, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 39302

Re: TurboTax Prices

Walked into Staples and bought Turbo Tax deluxe with State for 49. Newly reduced price unadvertised.
Edited price
by PinotGris
Sun Dec 16, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 39302

Re: Price of Turbotax

Turbo Tax Deluxe 2018 with State at 59.00 at Staples. 49 at Amazon.
by PinotGris
Fri Dec 14, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Investing RMD back into taxable vanguard fund
Replies: 9
Views: 1355

Re: Investing RMD back into taxable vanguard fund

When we move my DH's RMD directly into a taxable amount online we have the same problem. So we do it through our rep. and she is able to move it directly into the taxable fund. You may want to try that, and yes it would require a call every time.
by PinotGris
Wed Dec 12, 2018 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Which Turbotax
Replies: 16
Views: 1425

Re: Which Turbotax

Thrifty Femme wrote:
Wed Dec 12, 2018 10:08 pm
pshonore wrote:
Wed Dec 12, 2018 8:42 pm
Thrifty Femme wrote:
Wed Dec 12, 2018 5:37 pm
You need Premiere for schedule E.
Can't speak for the online versions but the CD/Download versions (Deluxe, Premiere, Home and Office) all support the same forms.
If they support the same forms, why are there different versions?
You can pull up any form you need in Deluxe.
by PinotGris
Wed Dec 12, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: So Much Red [in cost basis of taxable accounts]
Replies: 26
Views: 2578

Re: So Much Red

If you have cash to invest, and your AA is in balance more or less, would you invest or hold right now, like today.
I just bought bought into VG 500 instead of VTSAX which is where most of our money goes in taxable. Mostly because it is a bargain right now and 100% qualified.
by PinotGris
Wed Dec 12, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: So Much Red [in cost basis of taxable accounts]
Replies: 26
Views: 2578

So Much Red [in cost basis of taxable accounts]

My VG cost basis view of taxable accounts is drowning in red, hurts my eyes to see. As a good Boglehead I have been investing consistently and was happy I purchased (with dividend income and RMW) when the market was low, but even that is in red now. :| How are you dealing with it? Are you TLHing lik...
by PinotGris
Mon Dec 10, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 58
Views: 5112

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

500 Index Admiral VFIAX 12/13 12/17 100% $1.23 — — — 0.00%

Does this mean the total dividends received will number of shares I hold multiplied by 1.23?
by PinotGris
Fri Dec 07, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Quicken 2006
Replies: 7
Views: 724

Re: Quicken 2006

I stopped using Quicken a few years ago after having used it for 20+ years. At one point I got to the point where I realized reconciling, putting expenses in categories, and so forth was just a big waste of my time. (I'm not saying it is a waste of your time necessarily - I just was getting nothing...
by PinotGris
Fri Dec 07, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Quicken 2006
Replies: 7
Views: 724

Re: Quicken 2006

I still use Quicken 2001 for both my personal checking account and a small business account. I have never seen a reason to upgrade. The program often ask me when I am shutting it down if I want to upgrade, but I always say no. I have no problem printing reports from it either. I'm currently using i...
by PinotGris
Fri Dec 07, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Quicken 2006
Replies: 7
Views: 724

Quicken 2006

That is the version i have on my PC Windows 7. I use it mainly to keep track of our checking account as all our expenses are paid out of it. I use the category feature for expenses, to reconcile, and it has served me well. But it will no longer print for me. So i can pull up reports on my PC but whe...
by PinotGris
Sat Dec 01, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: Current Market Volatility
Replies: 29
Views: 2166

Re: Current Market Volatility

We are even right now and I am slightly off on my AA - 60% in Equity - not enough to re-balance. I have done a few TLH and was able to capture the market a bit when it was low before it got high. In the cost basis view my red numbers are slowly turning black in some of the funds. My VTSAX has a lot ...
by PinotGris
Wed Nov 28, 2018 6:24 am
Forum: Personal Consumer Issues
Topic: My experience with iPhone6s battery replacement
Replies: 34
Views: 3105

Re: My experience with iPhone6s battery replacement

So I made an appointment with the Genius bar to get my battery replaced for my Iphone 6. Thanks to the OP for all the tips. When I went back to pick it up, a different guy than the one I gave my phone to appeared with a new phone (not in a box but sealed) and said my phone got damaged while removing...
by PinotGris
Fri Nov 16, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: My experience with iPhone6s battery replacement
Replies: 34
Views: 3105

Re: My experience with iPhone6s battery replacement

For those of you that have the iPhone 6 that qualifies for the $29.00 battery replacement, the following is my experience. This offer ends December 31st. the price will then go up to $49, not $79 according to the employees at the Apple Store. Work was done at the Apple Store in a local mall. I went...
by PinotGris
Thu Nov 15, 2018 5:10 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7337

Re: Are you all staying the course?

Yes. My husband took his MRD from his IRA in November. Usually we invest the entire amount, net of taxes, into the taxable account in the same fund, VTSAX. And that is what we did this time as well, except we aso paid cash for a used Camry. That lump sum had an immediate loss, along with other lots....
by PinotGris
Mon Nov 12, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 51
Views: 4523

Re: Planet Fitness etc.,

My PF hardly has any free weights/ dumbbells. Good for cardio workout. Truthfully I rarely go anymore. Mine gives free bagels and donuts. Never quite understood that, I guess for carbs but gee, how about maybe a glass of carrot juice instead. The bagels and pizza only once a month but I never eat t...
by PinotGris
Sun Nov 11, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 51
Views: 4523

Re: Planet Fitness etc.,

OP: Is it necessary to drive to a fitness center, regardless of whether the cost is high or low, the facility is cheap or expensive, or the the electronics are working or not? My current home workout (pull-ups and Burpees with pushups) takes 36 minutes, 3 times a week. For cardio I walk out the doo...
by PinotGris
Sat Nov 10, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 51
Views: 4523

Re: Planet Fitness etc.,

Given the price I wouldn't expect PF to be much more than the McDonald's of gyms. Before I switched to PF I was paying $30/month at Anytime Fitness. PF was $10 at the time. I always thought PF had latched onto a pretty good business model. As usually happens with gym memberships you start to ask yo...