Search found 787 matches

by red5
Tue May 19, 2020 4:45 am
Forum: Personal Investments
Topic: 10 years of excess Roth contributions
Replies: 12
Views: 1493

Re: 10 years of excess Roth contributions

Thank you so much everyone. I'll pass along all this info. At first it was a bit overwhelming but it has seemed to clear up quite a bit. Again, thank you.
by red5
Sun May 17, 2020 5:29 am
Forum: Personal Investments
Topic: 10 years of excess Roth contributions
Replies: 12
Views: 1493

Re: 10 years of excess Roth contributions

Thank you. This is a great start. I'll keep looking for new replies but in the meantime I think this gives him a good foundation of what to expect. I'll admit that I was a bit overwhelmed in trying to help at first.
by red5
Sat May 16, 2020 10:28 am
Forum: Personal Investments
Topic: 10 years of excess Roth contributions
Replies: 12
Views: 1493

Re: 10 years of excess Roth contributions

Thank you so much for taking the time to respond. So you believe that even though the gains would be withdrawn in 2020 they would still have to be reported on the 2019 tax return...because the contributions were from 2019? What if he decided just to withdraw the 2019 contribution along with the 2008...
by red5
Sat May 16, 2020 5:24 am
Forum: Personal Investments
Topic: 10 years of excess Roth contributions
Replies: 12
Views: 1493

Re: 10 years of excess Roth contributions

OP here. So in a nut shell... Contributions from 2008 to 2018 immediately withdrawn and subject to 6% penalty each year; 2008 to 2019 (or is it 2020). Earnings from 2008 to 2018 contributions stay in Roth and are a-okay Contributions from 2019 to 2020 immediately withdrawn but not subject to 6% pena...
by red5
Sat May 16, 2020 5:04 am
Forum: Personal Investments
Topic: 10 years of excess Roth contributions
Replies: 12
Views: 1493

10 years of excess Roth contributions

Hey folks, I hope I can get help from this forum once again. Also, this is for a friend, not me (really). I've done a ton of internet research here and elsewhere and think have nailed down what my friend needs to do. Basically I'm hoping my thinking is correct. He is also waiting to meet with a tax ...
by red5
Fri Mar 13, 2020 7:52 am
Forum: Personal Investments
Topic: Hit my rebalance band but stocks are set to surge today- Should I hold off?
Replies: 9
Views: 836

Re: Hit my rebalance band but stocks are set to surge today- Should I hold off?

If stocks surge then it's possible or even likely that you'll be back into your 70/30 band. I'm in the same boat as you though. I barely nudged out yesterday but suspect that with a possible surge (and if the market stays positive) that I won't be anymore.
by red5
Thu Mar 14, 2019 3:48 am
Forum: Personal Investments
Topic: Moving out of ETF into growth stocks.. To do or not to?
Replies: 40
Views: 2354

Re: Moving out of ETF into growth stocks.. To do or not to?

There are far smarter people in here who can articulate things better than I. But I would not do this. A couple things come to mind. Your friend is probably not showing you his entire picture. And also, past results will not necessarily be future results. Be careful in your decision. I would stick w...
by red5
Fri Mar 08, 2019 9:37 am
Forum: Investing - Theory, News & General
Topic: Help with rebalancing
Replies: 11
Views: 1154

Re: Help with rebalancing

Hello, My portfolio 90% stocks 10% bonds in an IRA of that 90% , 65% was VTI. I say was because in January i bought some VTSAX and the plan is to no longer buy VTI. My challenge is this, how do i rebalance my portfolio, since i can’t just ignore VTI. I’m thinking of just selling VTI for simplicity....
by red5
Fri Mar 08, 2019 5:24 am
Forum: Personal Consumer Issues
Topic: Things to do in Maine
Replies: 72
Views: 7408

Re: Things to do in Maine

Have you considered flying into Portland, Bangor or Manchester NH instead of Boston? Easier on the nerves. I never had a bad visit to Maine. Have been to Portland, Rockland, Vinalhaven, Freeport, Bangor. Best for me was Baxter State Park (Mt. Katahdin, north end of the AT). Lots of scenic drives an...
by red5
Fri Mar 08, 2019 5:10 am
Forum: Investing - Theory, News & General
Topic: Help with rebalancing
Replies: 11
Views: 1154

Re: Help with rebalancing

Either hold both and add to VTSAX such that the total is 90%, or sell VTI and buy VTSAX. Doesn't really matter. Per the previous poster, these are the same funds, just that one is an ETF and one is a mutual fund. Thanks for reply, I'd like to make a clarification. 90% Total stocks / 65% US stocks V...
by red5
Tue Feb 19, 2019 5:18 am
Forum: Personal Consumer Issues
Topic: Wife filled our gas engine car with diesel fuel
Replies: 111
Views: 12221

Re: Wife filled our gas engine car with diesel fuel

When we last drove in France in March 2017, the pumps were marked “Unleaded” and “Diesel”. However, there was supposed to be a change last fall: https://www.thelocal.fr/20181011/what-you-need-to-know-about-frances-new-petrol-pump-labels When I drove in France, (2012) all I saw was Gazole (diesel). ...
by red5
Mon Jan 07, 2019 4:39 am
Forum: Investing - Theory, News & General
Topic: Embarrassed to ask... dividends and Total Return
Replies: 43
Views: 6872

Re: Embarrassed to ask... dividends and Total Return

I apologize in advance for this question, but after research, still confused. I understand that in the Vanguard Total Stock Fund, for example, when dividends are reinvested, that the NAV is reduced accordingly. In other words, the investor experiences no gain in the value of the fund as a result. I...
by red5
Thu Dec 27, 2018 4:51 am
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 10519

Re: What common everyday inconvenience have you intentionally suffered for frugality?

OP, I'm glad you got a few actual answers amid the judgements. If you are interested, there is a Frugal subreddit that may give you some better responses.
by red5
Tue Dec 04, 2018 4:39 am
Forum: Personal Investments
Topic: How to track my portfolio performance
Replies: 9
Views: 1672

Re: How to track my portfolio performance

Hi bogleheads, What tools and approach do you recommend for tracking the actual performance of my investments? And to compare it against the performance of one or a few reference portfolios. I want to compare: 1. Actual - annualized performance of invested earnings as I invest in practice. 2. Hypot...
by red5
Thu Nov 29, 2018 4:33 am
Forum: Personal Consumer Issues
Topic: ideas for a Xmas holiday in central Europe
Replies: 22
Views: 2317

Re: ideas for a Xmas holiday in central Europe

Munich is a wonderful city. Nurnberg definitely has *the* Christkindlesmarkt, so go there for that, although many other towns and cities will have very good ones as well. The Christkindlesmarkt's are what I miss most from my days in Germany. You could probably spend all your 12 days just visiting Ba...
by red5
Fri Jul 06, 2018 4:05 am
Forum: Personal Investments
Topic: Fractional equity shares
Replies: 5
Views: 953

Re: Fractional equity shares

In my experience my old brokerage sold off my fractional shares and then transferred this small bit of money into a money market fund in my new brokerage. Then I could do what I wanted with this small bit of money. The money stayed inside the IRA umbrella the entire time so there were no tax consequ...
by red5
Wed Apr 25, 2018 4:51 am
Forum: Personal Consumer Issues
Topic: Difference in Difficulty Driving Moving Trucks By Size
Replies: 18
Views: 2449

Re: Difference in Difficulty Driving Moving Trucks By Size

I've driven moving trucks a few times, ranging from a 24ft monster to a 12ft van. I do find the longer ones harder to drive on the highway but only marginally so. On city streets they are more difficult to maneuver. Getting gas/diesel I found the longer ones to be a major pain. Those huge highway ga...
by red5
Thu Mar 22, 2018 8:31 am
Forum: Personal Investments
Topic: Year of dividend for tax purposes
Replies: 2
Views: 344

Re: Year of dividend for tax purposes

Thank you, I appreciate your time.
by red5
Thu Mar 22, 2018 8:01 am
Forum: Personal Investments
Topic: Year of dividend for tax purposes
Replies: 2
Views: 344

Year of dividend for tax purposes

Hello folks. I came across a situation I hadn't expected. Last year I changed all my distribution elections from reinvesting to receiving in my settlement account [bond fund VFICX at Vanguard]. Before I would receive and reinvest bond mutual fund dividends on the last business day of the month. Now ...
by red5
Thu Mar 22, 2018 4:37 am
Forum: Personal Investments
Topic: Asset allocation %
Replies: 13
Views: 1677

Re: Asset allocation %

Say for example, I want to figure out a 30% stock allocation, which will have a 10% international stock inside of the 30% total. So if there is 500,000 in entire portfolio, would I take 30% first (150,000) THEN take 10% of 150,000 (15,000) to get the international amount? OR are you saying 30% stoc...
by red5
Mon Mar 19, 2018 4:37 am
Forum: Personal Consumer Issues
Topic: Cabot Trail, Nova Scotia (Cheticamp, Ingonish, Cape Breton)
Replies: 12
Views: 1294

Re: Cabot Trail, Nova Scotia (Cheticamp, Ingonish, Cape Breton)

We did this trip last summer. Two hours seems sort of correct without any stops. It can be pretty slow going at times especially if you get behind a big truck. There are numerous trails (some easy and some hard) and pull offs so that'll add time as well if you choose to stop. What we did was stay a ...
by red5
Sun Mar 18, 2018 4:53 am
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 4483

Re: Which Day Hiking Trails Do You Recommend?

I'll add another; the Black Mountain Crest Trail which starts with Celo Knob near Burns, NC and hiking the 10 or 12 miles to the top of Mount MItchell. It's an epic way to hike the tallest mountain in the eastern US. Once your to the top of Celo Knob you have an amazing hike atop the spine of the Bl...
by red5
Fri Mar 16, 2018 4:46 am
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 4483

Re: Which Day Hiking Trails Do You Recommend?

In my eyes Baxter State Park in Maine has the best hiking in the eastern US.
by red5
Tue Mar 06, 2018 5:26 am
Forum: Personal Consumer Issues
Topic: food safety after power outage
Replies: 26
Views: 2497

Re: food safety after power outage

Your homeowners insurance may cover food loss. We had a longish outage last fall and had to throw away a lot of our food. I hadn't even realised that food loss was a part of my policy. However it did not make sense to use the policy and lose my claims free discount over a couple hundred dollars.
by red5
Sat Jan 13, 2018 5:39 am
Forum: Personal Consumer Issues
Topic: Andoird device, Wifi cutting out when sleeping
Replies: 6
Views: 946

Re: Andoird device, Wifi cutting out when sleeping

Thanks everyone for commenting. On my phone: Settings -> WI-FI -> Advanced -> Keep Wi-Fi on during sleep Always (checked) While Charging Never How come you uncheck it while charging? These are the 3 options for this setting. red5 is showing you that their setting is "Keep Wi-Fi on during sleep" to ...
by red5
Fri Jan 12, 2018 4:50 am
Forum: Personal Consumer Issues
Topic: Andoird device, Wifi cutting out when sleeping
Replies: 6
Views: 946

Re: Andoird device, Wifi cutting out when sleeping

Thanks everyone for commenting.
808 wrote:
Fri Jan 12, 2018 3:51 am
On my phone: Settings -> WI-FI -> Advanced -> Keep Wi-Fi on during sleep
Always (checked)
While Charging
Never
How come you uncheck it while charging?
by red5
Thu Jan 11, 2018 4:49 am
Forum: Personal Consumer Issues
Topic: Andoird device, Wifi cutting out when sleeping
Replies: 6
Views: 946

Andoird device, Wifi cutting out when sleeping

Hey folks. I've searched around and even tried out a couple other websites but have not been able to solve my issue. While at home I have it set to Wifi only (Data is turned off). When the screen blackens and the unit goes to sleep it will often lose it's wifi connection (sometimes it keeps it but l...
by red5
Thu Jan 11, 2018 4:43 am
Forum: Personal Investments
Topic: Buy bonds until market correction
Replies: 28
Views: 3395

Re: Buy bonds until market correction

People have been calling the market overpriced for many years now. People have been calling for a correction. It's gonna happen. It could be this month or this year. But it may not. Invest according to your plan.
by red5
Mon Jan 08, 2018 4:57 am
Forum: Personal Investments
Topic: How to calculate total return (including dividends)
Replies: 7
Views: 1249

Re: How to calculate total return (including dividends)

Excel can do this fairly easily and you really don't need all that much information; your contributions and their dates, withdrawals and their dates, and your portfolio value. In other words, any transactions that involve investing into your portfolio from money outside your portfolio (such as 401k ...
by red5
Thu Dec 28, 2017 4:19 am
Forum: Personal Finance (Not Investing)
Topic: Tax Bill - Retirement savings cont. credit
Replies: 3
Views: 758

Tax Bill - Retirement savings cont. credit

Anyone know if the "Retirement Savings Contribution Credit" made it into the new tax bill? I've searched but haven't come up with anything.

Thank you
by red5
Wed Dec 13, 2017 2:55 am
Forum: Personal Investments
Topic: Sell to lock in 0% cap gains?
Replies: 10
Views: 1762

Re: Sell to lock in 0% cap gains?

I've been thinking about this and would just like to piggy back on this thread. Would it go something like this: 1. Sell ALL shares of an asset, such as Vanguard Total Stock (VTI). 2. Within seconds use transaction proceeds to purchase back as many shares as possible. So by Close of Business you'll...
by red5
Tue Dec 12, 2017 4:36 am
Forum: Personal Investments
Topic: Sell to lock in 0% cap gains?
Replies: 10
Views: 1762

Re: Sell to lock in 0% cap gains?

I've been thinking about this and would just like to piggy back on this thread. Would it go something like this: 1. Sell ALL shares of an asset, such as Vanguard Total Stock (VTI). 2. Within seconds use transaction proceeds to purchase back as many shares as possible. So by Close of Business you'll ...
by red5
Tue Nov 21, 2017 4:15 am
Forum: Personal Investments
Topic: Slice and Dice
Replies: 40
Views: 4555

Re: Slice and Dice

Here is a link Madsingers Monthly Report (this is a Bogleheads.org link)

You'll see listed quite a few different porfolios/funds and how they have done over multiple time periods. The 3-fund is an excellent portfolio but there are other good ones out there as well.
by red5
Tue Nov 21, 2017 4:07 am
Forum: Personal Investments
Topic: Slice and Dice
Replies: 40
Views: 4555

Re: Slice and Dice

I do about 7 funds and spend about 30 minutes a year managing them. Really, it's not really harder to manage 7 funds than 3. I'm not saying one way is right and the other way is wrong either. Both are great ways to invest.
by red5
Mon Sep 25, 2017 4:28 am
Forum: Personal Investments
Topic: Pay student loans versus invest
Replies: 14
Views: 1571

Re: Pay student loans versus invest

First make sure you have an appropriately sized emergency fund. If it were me I would not consider investing that 70k, especially in individual stocks (have you started retirement investing?). I'm not familiar with the rental world but how sure are you that you would get 10-13%. You should be skepti...
by red5
Wed Sep 20, 2017 4:03 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 34246

Re: Calling out the not so rich bogleheads

I have been an avid follower of this forum for quite some time now and would firstly like to say there's nothing quite like it anywhere on the web. It provides so much useful information on so many different things that I would rate it as one of the most useful websites as it pertains to investing ...
by red5
Sat Sep 16, 2017 3:33 am
Forum: Personal Consumer Issues
Topic: Recommend a DIY home improvement forum?
Replies: 3
Views: 1170

Re: Recommend a DIY home improvement forum?

Maybe something at reddit? /r/diy looks pretty active.
by red5
Sat Sep 16, 2017 3:27 am
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 82
Views: 11524

Re: Home Page Updated

Not sure if this has been discussed (haven't gone through the entire thread) but I miss having the page numbers available to click on when at bogleheads.org. I liked being able to jump to whatever page I wanted when viewing a long thread.
by red5
Mon Sep 11, 2017 3:46 am
Forum: Personal Consumer Issues
Topic: Underlayment for hardwood floors
Replies: 31
Views: 3871

Re: Underlayment for hardwood floors

#15 roofing felt is what we are using (we are the middle of the project) for a couple reasons. One, it seems to be a common underlayment, perhaps even the most common. Two, the instructions say to use #15 roofing felt or the warranty would be void. This stuff does nothing for sound though, just mois...
by red5
Sun Sep 10, 2017 4:27 am
Forum: Personal Consumer Issues
Topic: 7 year old son's coin collection (& my observation on circulation?)
Replies: 14
Views: 3154

Re: 7 year old son's coin collection (& my observation on circulation?)

My kids, whom are about your son's age, love searching coin rolls as well. It's been great fun sitting at the kitchen table and opening hundreds of rolls. We do pennies, nickels, dimes and quarters. We are quite far east and have a difficult time finding some of the Ds but patience usually wins out....
by red5
Tue Aug 29, 2017 3:50 am
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 56
Views: 6289

Re: Driving a car Italy, any suggestion?

'Gasolio' is not gasoline! Don't fill up your car with gasolio unless you have a diesel engine. Thank goodness that nozzle was to large to fit into my vehicle.
by red5
Fri Jul 07, 2017 4:33 am
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 86
Views: 13373

Re: Is it Safe to Get Your DNA Tested?

Well I think the tide is certainly against taking the test. Anyhow, let me give you another tidbit to think about. Someone I know recently took the test and got the ethnicity results. But the major success was finding 400 possible genealogical matches via DNA similarities. Some of them are pretty cl...
by red5
Fri Jun 23, 2017 4:17 am
Forum: Personal Investments
Topic: VTSAX dividend error?
Replies: 24
Views: 6306

Re: VTSAX dividend error?

I picked up on that as well. However I was able to calculate that the shares I received were not based on $58.50 but rather on the correct price (which was somewhere around $60.77 or so).
by red5
Fri Jun 16, 2017 4:17 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 142
Views: 25184

Re: Anyone else gotten totally bored with investing?

Yep :)

I get about 10 minutes of "excitement" a year when I invest my IRA contribution and balance my accounts at the same time. Then it's just checking asset allocation throughout the year for any rebalancing opportunities (which never come).
by red5
Sun Jun 04, 2017 4:40 am
Forum: Personal Consumer Issues
Topic: Trans-Labrador Highway advice and tips requested
Replies: 4
Views: 1102

Re: Trans-Labrador Highway advice and tips requested

It has been quite a few years now but I once drove a highway up through Quebec and into Labrador City. I recall there being one tiny gas station along the way and a lot of pristine beauty. The entire road was gravel but in very good shape for the trucks. It was a lot of fun driving. I have never bee...
by red5
Fri May 19, 2017 3:42 am
Forum: Personal Investments
Topic: Small Cap Value Tilt
Replies: 5
Views: 1347

Re: Small Cap Value Tilt

I tilt using Vanguards VSIAX. It is a pretty modest tilt too. I keep it at a 1:5 ratio with the Total US Stock fund. I think you should ask yourself why you want to tilt. Is it because SCV has been doing quite well in the past (recency bias)? Is it because you genuinely believe SCV will outperform t...
by red5
Mon May 15, 2017 4:09 am
Forum: Personal Consumer Issues
Topic: Best UPF Comfortable Field Shirt
Replies: 15
Views: 1979

Re: Best UPF Comfortable Field Shirt

I just bought this short sleeve button shirt from Academy Sports . It is really comfortable and light. It is made of polyester. I think it offers 30 UPF. I normally wear medium shirts but had to get a small size so keep that in mind if you decide to order one online. Good price too. Academy also has...
by red5
Sun Apr 02, 2017 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Am I understanding self employment correctly?
Replies: 7
Views: 1308

Re: Am I understanding self employment correctly?

Thank you all so much. I'm gonna read over these responses a few more times to let things sink in. I had schedules and worksheets in front of me yesterday doing dry runs with Turbo Tax to see if I could get the numbers to match up (which they did!). I did the same thing when doing regular W2 taxes a...