Search found 444 matches

by panhead
Mon May 25, 2020 8:26 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 143
Views: 9650

Re: If Jeep has such poor reliability, how come they are everywhere?

It seems that Jeep vehicles are nearly legendary for their poor reliability ratings, and yet I see them everywhere like dandelions. Why are they so popular when they have such a poor reputation? I'm wondering if I should consider buying one. The Grand Cherokee would be my choice. What do Bogleheads...
by panhead
Sat May 23, 2020 7:44 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 343
Views: 24743

Re: The axe falls and I am prepared. What's next?

As for a contracting position, if you find one that meets all of your criteria, work from home, etc, I think you can be flexible on the income. panhead, Somehow, that is not consistent with my experience. It is normally the reverse in my case. If I ask too little, I will not get the job/contract. F...
by panhead
Fri May 22, 2020 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 343
Views: 24743

Re: The axe falls and I am prepared. What's next?

Sorry to hear, but you are well prepared. At the high end of $60k a year, your withdrawal rate is 4% even without your wife's income. How much would medical insurance be if your wife was unemployed? That 4% will drop to less than 2% once you take SS. I say enjoy your retirement! This. And don't tak...
by panhead
Sun May 17, 2020 6:58 am
Forum: Personal Investments
Topic: What to do with after-tax contributions to employer 401k?
Replies: 46
Views: 2106

Re: What to do with after-tax contributions to employer 401k?

1) Enable automated in-plan Roth conversions, so the after-tax money will be automatically converted to Roth money in the account; 2) Allow after-tax contributions to stay in the plan as after-tax money, where my understanding is that the earnings will be taxed like any taxable account; or 3) Roll ...
by panhead
Fri May 15, 2020 6:29 am
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 87
Views: 4067

Re: New Brake Pads

OP: watch a youtube video on your car a few times if you want to tackle this yourself. Make sure you have all the tools you need before you start. Make sure you have a ride to the parts store in case you need something else. Things can and do go wrong, but usually it's pretty straight forward. Rotor...
by panhead
Sat Apr 25, 2020 6:32 am
Forum: Personal Finance (Not Investing)
Topic: 2019 TaxAct form 8995-A not printing
Replies: 20
Views: 918

Re: 2019 TaxAct form 8995-A not printing

Used an iPhone—no cookies I’m aware of; clear history regularly. Anyway it looks server side to me. Yeah, I'm sure it's server side. Might be time for a call or email. It was fixed for the download version a speedy two months after my first email to them. :annoyed Please let us know what you find o...
by panhead
Fri Apr 24, 2020 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 TaxAct form 8995-A not printing
Replies: 20
Views: 918

Re: 2019 TaxAct form 8995-A not printing

Just tried this because I’ve also been using TaxAct and in custom print for form 8995-A I get this: <link rel="stylesheet" href="https://cdn.taxact.com/taxonline2019/css/taxact.css?tav=20200420.1" type="text/css" /> <body><p align="center"><b>The selected forms are not available for printing at thi...
by panhead
Fri Apr 24, 2020 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 TaxAct form 8995-A not printing
Replies: 20
Views: 918

Re: 2019 TaxAct form 8995-A not printing

I know nothing about TaxAct, so perhaps my post is gibberish, but it sounds like the problem is not printing vs. anything else? If I were in that situation, I'd do a screen grab or two and paste the results together with Paint and print the resulting jpg. That's with Windows, no idea how to do this...
by panhead
Fri Apr 24, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Home Equity Loan to pay off Credit Cards with high debt]
Replies: 9
Views: 707

Re: Home Equity Loan to pay off Credit Cards with high debt]

[Moved into a new thread from: Home Equity Loan to pay off Credit Cards --admin LadyGeek] Hi, I have a question on this topic. What is your advice if the outstanding debt is significant (approx $60k) with high interest rates (ranging from 13% to 24%). The lesson has been learned and a job was lost ...
by panhead
Fri Apr 24, 2020 7:08 am
Forum: Personal Consumer Issues
Topic: Pandemic leading to cost savings?
Replies: 14
Views: 1328

Re: Pandemic leading to cost savings?

We are saving a lot due to not going out to eat which we used to do a lot for both lunch and dinner. However, with my added time at home I'm catching up on some of my projects (classic car restoration) which is costing money as I need to purchase parts. It's certainly a good trade off in my opinion,...
by panhead
Fri Apr 24, 2020 7:02 am
Forum: Personal Finance (Not Investing)
Topic: 2019 TaxAct form 8995-A not printing
Replies: 20
Views: 918

Re: 2019 TaxAct form 8995-A not printing

Checked this morning and form 8995-A is indeed printing from the online version of TaxAct. Finally! If I was due a refund, I would've been highly annoyed at TaxAct with this whole situation (instead just mildly annoyed). I actually re-entered all of my information into FreeTaxUSA as a backup plan f...
by panhead
Wed Apr 22, 2020 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 TaxAct form 8995-A not printing
Replies: 20
Views: 918

Re: 2019 TaxAct form 8995-A not printing

Form 8995-A is still not printing from the online version of TaxAct, now almost a week after the original filing deadline. Customer service told me that their specific rendering of the form must not be approved by the IRS, otherwise it should print. They said to call back closer to the new 7/15 dea...
by panhead
Wed Apr 22, 2020 8:43 am
Forum: Personal Finance (Not Investing)
Topic: 2019 TaxAct form 8995-A not printing
Replies: 20
Views: 918

Re: 2019 TaxAct form 8995-A not printing

Form 8995-A is still not printing from the online version of TaxAct, now almost a week after the original filing deadline. Customer service told me that their specific rendering of the form must not be approved by the IRS, otherwise it should print. They said to call back closer to the new 7/15 dea...
by panhead
Wed Apr 22, 2020 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Help creating the perfect w-4 ?
Replies: 17
Views: 1200

Re: Help creating the perfect w-4 ?

I’d like to fill out my w-4 in such a way that nearly get $0 refund for my w2 job (without bonuses). What’s the best way to make this calculation? And is it going to be more difficult to juggle federal state and local taxes due? Assume standard deduction, dependent, health care premiums deducted fr...
by panhead
Tue Apr 21, 2020 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Help creating the perfect w-4 ?
Replies: 17
Views: 1200

Re: Help creating the perfect w-4 ?

I’d like to fill out my w-4 in such a way that nearly get $0 refund for my w2 job (without bonuses). What’s the best way to make this calculation? And is it going to be more difficult to juggle federal state and local taxes due? Assume standard deduction, dependent, health care premiums deducted fr...
by panhead
Mon Apr 13, 2020 8:56 pm
Forum: Personal Investments
Topic: Tapering down tilts
Replies: 13
Views: 830

Re: Tapering down tilts

Yeah, I've thought about it as well. Like some here I have a slightly modified coffee house portfolio. I like, and still like the tilts and the idea behind them, and it also satisfied my desire to be able to tinker a little. As I get older, I am leaning toward moving toward the 3 fund portfolio as w...
by panhead
Sun Apr 12, 2020 8:25 am
Forum: Personal Investments
Topic: Retirement Strategy and Planning
Replies: 16
Views: 1977

Re: Retirement Strategy and Planning

deikel wrote:
Sun Apr 12, 2020 8:11 am
....at a time when the crisis is actually on its way out the door already...
I sure hope you are right about this, but I believe this to be far from certain.
by panhead
Sun Apr 12, 2020 7:35 am
Forum: Personal Investments
Topic: Retirement Strategy and Planning
Replies: 16
Views: 1977

Re: Retirement Strategy and Planning

Current Portfolio: $5.7 Million QUESTIONS: 1. I know Vanguard suggests the bonds be in the IRA account to be tax efficient. But, I will need this income for living expenses. Should some of the bonds be in the taxable account to provide a monthly stream of income? Look into Munis. The intermediate t...
by panhead
Fri Apr 10, 2020 3:38 pm
Forum: Personal Investments
Topic: Running post mortem on the 2020 COVID-19 crash by newbie
Replies: 7
Views: 914

Re: Running post mortem on the 2020 COVID-19 crash by newbie

Post Mortem? You can't do a post mortem when the patient is still alive and well. If this is as bad as it gets (in the markets), then this was a piece of cake. People have been spoiled since 2008/9 with these quick blips downward and a V shaped recovery. Things don't always work like that. It can g...
by panhead
Fri Apr 10, 2020 6:55 am
Forum: Personal Investments
Topic: Running post mortem on the 2020 COVID-19 crash by newbie
Replies: 7
Views: 914

Re: Running post mortem on the 2020 COVID-19 crash by newbie

Post Mortem? You can't do a post mortem when the patient is still alive and well. If this is as bad as it gets (in the markets), then this was a piece of cake. People have been spoiled since 2008/9 with these quick blips downward and a V shaped recovery. Things don't always work like that. It can gr...
by panhead
Thu Apr 09, 2020 8:01 am
Forum: Personal Investments
Topic: TLH Suggestions for VMNVX ?
Replies: 8
Views: 419

Re: TLH Suggestions for VMNVX ?

Requesting some guidance ... are there good TLH "pairings" for VMNVX that folks have had some experience with ? Just some advice: you will get more responses if you add the fund name as well as the ticker to the title and the post. A lot of us are lazy and don't want to bother looking up the ticker...
by panhead
Tue Apr 07, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Rural Home: Getting Hardwired?
Replies: 39
Views: 2645

Re: Rural Home: Getting Hardwired?

I live in a rural community in the northeast, although cable is available at the street. I just bought and renovated a home with a 700 ft driveway, and this house was never connected to cable (we don't have fiber, man I wish we did). Anyway, the estimate was around $6k to run overhead cable to the h...
by panhead
Tue Apr 07, 2020 10:33 am
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16340

Re: What percentage of your paycheck do you invest?

My family puts 10% of each paycheck into our investment accounts. We are looking to increase this to 15% moving forward. How about all of you? The breakdown is roughly 33% taxes, 33% spent, 33% saved. This results in saving 1 year of expenses each year, not including taxes, which I hope to be much ...
by panhead
Sun Apr 05, 2020 5:42 pm
Forum: Personal Investments
Topic: Anyone else having trouble changing tax payment date?
Replies: 7
Views: 545

Re: Anyone else having trouble changing tax payment date?

The IRS website only allows you to set up payments 30 days in advance. It’s super annoying - if you have quarterly payments you can’t set them up for the whole year. https://www.irs.gov/payments/direct-pay-help#q11 As already mentioned, EFTPS solves both of these problems. I haven't used the direct...
by panhead
Sat Apr 04, 2020 7:00 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20103

Re: What are you doing for haircuts due to coronavirus shutdown?

I shave my head smooth every couple of days and have for years now. I do it in the shower. This is a non-issue for us bald and wanna be bald guys. Easy peezey.
by panhead
Fri Apr 03, 2020 1:17 pm
Forum: Investing - Theory, News & General
Topic: Why don't all investors go 100% stocks
Replies: 72
Views: 5143

Re: Why don't all investors go 100% stocks

My belief is that because "100% stocks" carries a false resonance of phrases like "100% effort" and "100% commitment"--as if stocks were jealous lovers who would resent your fooling around with other asset classes, and will reward you for being true to them. The whole post was very well written, bu...
by panhead
Fri Apr 03, 2020 8:11 am
Forum: Investing - Theory, News & General
Topic: REITs are in free fall..
Replies: 19
Views: 3620

Re: REITs are in free fall..

While not "directly" correlated to market equities, REIT's are, nonetheless, correlated. So, a drop was inevitable. j :happy Agreed, and I know how volatile these can be. Also, with our current situation, it makes sense that these may fall harder than other tilts. That being said, just because it m...
by panhead
Fri Apr 03, 2020 8:04 am
Forum: Investing - Theory, News & General
Topic: REITs are in free fall..
Replies: 19
Views: 3620

Re: REITs are in free fall..

Vanguard Real Estate Index Fund ETF Shares (VNQ) down 7.5% to under $65 iShares Core U.S. REIT ETF (USRT) down 8% to under $36 Any one considering adding more REITs? Will it be ETFs or individual REITs? I have a 10% slot to REITs in my portfolio (VNQ). I hit a rebalance band a while back and balanc...
by panhead
Fri Apr 03, 2020 7:09 am
Forum: Investing - Theory, News & General
Topic: REITs are in free fall..
Replies: 19
Views: 3620

Re: REITs are in free fall..

wkimdds wrote:
Fri Apr 03, 2020 6:51 am
Whats RBD?

I believe livesoft invented this, "Really Bad Day"

And how does this compare to voo? Higher dividend but higher expense ratio as well.
by panhead
Fri Apr 03, 2020 6:17 am
Forum: Investing - Theory, News & General
Topic: REITs are in free fall..
Replies: 19
Views: 3620

Re: REITs are in free fall..

Vanguard Real Estate Index Fund ETF Shares (VNQ) down 7.5% to under $65 iShares Core U.S. REIT ETF (USRT) down 8% to under $36 Any one considering adding more REITs? Will it be ETFs or individual REITs? I have a 10% slot to REITs in my portfolio (VNQ). I hit a rebalance band a while back and balanc...
by panhead
Sat Mar 28, 2020 9:22 am
Forum: Personal Finance (Not Investing)
Topic: “Courage! We have been here before”
Replies: 20
Views: 2108

Re: “Courage! We have been here before”

mouses wrote:
Sat Mar 28, 2020 8:56 am
Don't forget the cold war, and practicing hiding under our desks in case an atom bomb went off... Yeah, that would have helped :-)
Duck and cover!
by panhead
Fri Mar 27, 2020 8:57 pm
Forum: Personal Consumer Issues
Topic: Leaky kitchen sink in middle of Pandemic
Replies: 39
Views: 2360

Re: Leaky kitchen sink in middle of Pandemic

Our kitchen sink is leaking - we have Covid cases in our area. My DH and I are arguing - he wants a plumber out. I am afraid to have a plumber in our house. What would you do? Any ideas? P.S. Is this just the beginning of issues for a lot of us? dental and health problems, appliance breaking? Just ...
by panhead
Fri Mar 27, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: Leaky kitchen sink in middle of Pandemic
Replies: 39
Views: 2360

Re: Leaky kitchen sink in middle of Pandemic

Use this as an opportunity to learn to fix these things yourself!
by panhead
Thu Mar 26, 2020 7:49 pm
Forum: Personal Investments
Topic: Should I dump PONAX? (junk bonds concern)
Replies: 12
Views: 717

Re: Should I dump PONAX? (junk bonds concern)

This is very interesting. Comparing this fund to VWEAX is apparently pointless, they are too different. This isn't a simple junk bond fund. OP, take note. If you want junk bond exposure, I'd lean toward VWEAX (as I am). If you want higher quality bonds, do what the poster upstream suggested. Either...
by panhead
Thu Mar 26, 2020 7:12 pm
Forum: Personal Investments
Topic: Should I dump PONAX? (junk bonds concern)
Replies: 12
Views: 717

Re: Should I dump PONAX? (junk bonds concern)

I am pretty sure its exposure to junk bonds is minimal. It looks like about 34% of the fund is junk bonds. Morningstar, PONAX, portfolio tab . PONAX is a highly managed fund. When I last checked last year it was stuffed full of shorts and derivatives. Morningstar kind of breaks down when you assets...
by panhead
Thu Mar 26, 2020 7:02 pm
Forum: Personal Investments
Topic: I moved to cash on March 13th and I’m regretting my decision now
Replies: 77
Views: 9304

Re: I moved to cash on March 13th and I’m regretting my decision now

if you are sure, absolutely sure, that you have enough for the rest of your life, then stop playing the game- you have already won I've heard this mentioned a few times on this site. It's an interesting 'take' on investing - but, it wouldn't work for me. We have secure COLA pensions that are about ...
by panhead
Thu Mar 26, 2020 6:55 pm
Forum: Personal Investments
Topic: I moved to cash on March 13th and I’m regretting my decision now
Replies: 77
Views: 9304

Re: I moved to cash on March 13th and I’m regretting my decision now

Sometimes emotions get the best of us. Best thing you could do now is forget what happened, really reflect and decide what your true, tolerable AA is, and get to it immediately, whether it's staying at 100% cash or getting back in the market with some money. Chalk it up to a learning experience. Th...
by panhead
Thu Mar 26, 2020 4:33 pm
Forum: Investing - Theory, News & General
Topic: If I were a retiree right now....
Replies: 81
Views: 10719

Re: If I were a retiree right now....

If I were a retiree right now...wait a minute, I am. And, I don't think I'm being illogical even though we have a plan different from what you say is the only logical plan. My wife and I have an overall plan, using Variable Percentage Withdrawal with a Target Date Fund (VTINX, 30/70 equities/bonds)...
by panhead
Thu Mar 26, 2020 2:35 pm
Forum: Personal Investments
Topic: Should I dump PONAX? (junk bonds concern)
Replies: 12
Views: 717

Re: Should I dump PONAX? (junk bonds concern)

My portfolio currently looks like this: (approximation) Stocks: 60% Bond: BIV 32%; PONAX 8% Why? Because I had PONAX before I adapted to Boglehead philosophy and I decided to keep it and just add Vanguard ETFs. As I understand it, there are two different schools of thought on this: 1) This is an ex...
by panhead
Thu Mar 26, 2020 11:50 am
Forum: Investing - Theory, News & General
Topic: Why does anyone invest in international funds?
Replies: 306
Views: 18192

Re: Why does anyone invest in international funds?

Brianmcg321 wrote:
Tue Mar 24, 2020 5:24 pm
Why does anyone invest in international funds? Their returns are terrible.










Your welcome everyone. Just doing my part. :sharebeer

This has been as entertaining to watch as some of the crazier threads! Nice work!
by panhead
Thu Mar 26, 2020 10:29 am
Forum: Personal Investments
Topic: Vanguard PAS during recent crisis
Replies: 9
Views: 1137

Re: Vanguard PAS during recent crisis

OP, There is a bit of hindsight bias going on here.... I didn’t rebalance at 4.98% either and don’t think of it as a maniacal mistake. WoodSpinner This. I was about 4.8% high and didn't rebalance. Had I known what was going to happen, I would've sold everything, assuming of course I would know when...
by panhead
Thu Mar 26, 2020 8:08 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63082

Re: Have we hit bottom? Time to buy?

Obviously no one can predict the future but do you guys think we've hit bottom? My portfolio took a huge hit, well into the six figures. I've got 125k in Fidelity and Merril Edge sitting in cash accounts just waiting. Tried grabbing the falling knife once already and got cut. Buy now or wait longer...
by panhead
Wed Mar 25, 2020 8:25 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63082

Re: So bottom is probably behind us....right?

hisdudeness wrote:
Wed Mar 25, 2020 7:10 pm
Far out
Hah! with that username I would've known you'd appreciate it.
Care for a white Russian while we watch the end of the world?
by panhead
Wed Mar 25, 2020 4:00 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 301
Views: 17808

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

FishTaco wrote:
Wed Mar 25, 2020 3:46 pm
This thread and the "Selling 100% stocks on a bounce" thread are my new BFF favorite threads.
Yeah, these two threads and the shows, "hoarders" and "my 600lb life"
I keep trying to turn away, but I just can't.
by panhead
Wed Mar 25, 2020 3:44 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63082

Re: So bottom is probably behind us....right?

I'm not sure how we could have already hit the bottom when the pandemic is just really getting started in several of the biggest economies on the planet. We easily could have. The market is forward looking. It doesn't always react to what happened. It reacts to what it thinks will happen. It rose r...
by panhead
Tue Mar 24, 2020 6:09 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 25674

Re: How much you lost/gain since Feb 20,2020 ?

i was wondering is it possible for stocks to hit 0. I mean the market keeps going down. Why don't the government stop the market or something so it won't keep going down Sure, it's possible. It would be the end of all companies on the planet and probably result in something like a Mad Max scenario ...
by panhead
Sat Mar 21, 2020 6:49 am
Forum: Investing - Theory, News & General
Topic: I cant "Stay the Course" - Rebalance/IPS
Replies: 56
Views: 4500

Re: I cant "Stay the Course" - Rebalance/IPS

Folks, Is there anyone who is NOT Rebalancing per their IPS Rebalance Band % and/or Time ? What is the reason you are Rebalancing or NOT Rebalancing ? eg: I'm 45 yrs, 12 yrs away from retirement, I'm 75:25 today with 1M portfolio and, today, I'm 68:32 but I'm having a hard time sell 7% bond and buy...
by panhead
Fri Mar 20, 2020 7:24 am
Forum: Investing - Theory, News & General
Topic: For 50-55 Year olds/ What Are you thinking?
Replies: 46
Views: 4646

Re: For 50-55 Year olds/ What Are you thinking?

If I were 30 or even 40, I may share in some tempered "enthusiasm" as to cheap stocks being available (and yes, i am very concerned about my fellow Americans who will suffer through this ordeal). However as Someone who recently crossed the 50 threshold, an early retirement may well be out of sight ...
by panhead
Fri Mar 20, 2020 5:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard High Dividend Yield Index Fund
Replies: 169
Views: 15486

Re: Vanguard High Dividend Yield Index Fund

I've been looking at this fund as a possible tax loss harvest partner for vanguard value fund.
by panhead
Wed Mar 18, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55528

Re: How to get Toilet Paper ? seriously.

mrtiger wrote:
Wed Mar 18, 2020 6:58 pm
This has to be a troll question.
if you live in flyover country, it may appear so. In Boston, NYC, SFO, and other places, it is a serious question, as foreign and as unbelievable as it may be to you. Don't worry, it will likely be coming your way.