Search found 1443 matches

by samsoes
Tue Sep 15, 2020 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance (LTC)
Replies: 10
Views: 1034

Re: Long Term Care Insurance (LTC)

Annualized premium for LTC insurance less than $300? That amount of money is barely noise. Keep it!
by samsoes
Mon Sep 14, 2020 5:41 pm
Forum: Personal Consumer Issues
Topic: Coin and stamp values online?
Replies: 17
Views: 1009

Re: Coin and stamp values online?

deleted
by samsoes
Wed Sep 02, 2020 7:56 pm
Forum: Investing - Theory, News & General
Topic: SWAGX dividend vanished
Replies: 20
Views: 1197

Re: SWAGX dividend vanished

I just looked. I have an entry showing for -19.55 on 9/1 for 8/31 with a description of adjustment. I have an entry showing for +16.22 on 9/2 for 8/31 with a description of cash dividend. So it seems to me that they issued too big of a dividend, retracted it, and replaced it with a smaller dividend...
by samsoes
Wed Sep 02, 2020 11:18 am
Forum: Investing - Theory, News & General
Topic: SWAGX dividend vanished
Replies: 20
Views: 1197

Re: SWAGX dividend vanished

increment wrote: Wed Sep 02, 2020 10:59 am
samsoes wrote: Wed Sep 02, 2020 10:56 am Are there any other holders of SWAGX who have experienced a vanishing dividend?
Yes, my account has that too.
Thanks, then it's not just me.
Imagine if someone bought using the dividend before it vanished -- that may have resulted in a negative cash balance. :shock:
by samsoes
Wed Sep 02, 2020 10:56 am
Forum: Investing - Theory, News & General
Topic: SWAGX dividend vanished
Replies: 20
Views: 1197

Re: SWAGX dividend vanished

should be: ...image removed... https://www.schwab.wallst.com/schwab/Prospect/research/mutualfunds/summary.asp?symbol=SWAGX Thank you, I suspected that there should be a dividend. That per share value calculates to about the ephemeral dividend amount which came and went from my account. Mine is now ...
by samsoes
Wed Sep 02, 2020 10:38 am
Forum: Investing - Theory, News & General
Topic: SWAGX dividend vanished
Replies: 20
Views: 1197

SWAGX dividend vanished

Hello folks, as usual, Schwab posted my monthly dividend for SWAGX (Schwab US Aggregate Bond Index Fund) on 8/31, a few hours after the close of trading that day. Then yesterday evening, 9/1, the entire dividend was taken away -- all of what was paid out on 8/31 -- with the caption "Dividend Adjustm...
by samsoes
Fri Aug 14, 2020 7:35 pm
Forum: Personal Consumer Issues
Topic: Worthwhile to correct doctor's visit notes?
Replies: 20
Views: 2160

Re: Worthwhile to correct doctor's visit notes?

NewMoneyMustBeSmart wrote: Fri Aug 14, 2020 6:46 pm Agree! When I was a young man, I asked my doctor about the risks of cocaine. Somehow he took this as me using cocaine (which I hadn't!). His notes in the file eliminated my ability to get private health insurance.
Now that's frightening! :shock:
by samsoes
Fri Aug 14, 2020 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: POD Taxable Brokerage Acct
Replies: 7
Views: 449

Re: POD Taxable Brokerage Acct

I have an elderly uncle who has a taxable brokerage acct at TDAmeritrade with myself and my brother as the 50/50 beneficiaries (it’s a “Payable On Death” acct). He has no spouse or children. I am also his power of attorney now, while he is still alive, and will be his executor upon his passing. The...
by samsoes
Mon Aug 03, 2020 11:18 am
Forum: Personal Investments
Topic: TIAA Question
Replies: 22
Views: 1526

Re: TIAA Question

The issue with TIAA Traditional annuity is that it's illiquid. No lump-sum withdraws are allowed, not even in retirement. While they do provide liquidity to meed RMD requirements, the only other way one can withdraw is evenly over a ten year period. In the event a large amount for an emergency extr...
by samsoes
Mon Aug 03, 2020 10:51 am
Forum: Personal Investments
Topic: TIAA Question
Replies: 22
Views: 1526

Re: TIAA Question

The issue with TIAA Traditional annuity is that it's illiquid. No lump-sum withdraws are allowed, not even in retirement. While they do provide liquidity to meed RMD requirements, the only other way one can withdraw is evenly over a ten year period. In the event a large amount for an emergency extra...
by samsoes
Sun Aug 02, 2020 3:48 pm
Forum: Personal Investments
Topic: Handling lumpy expenses in retirement Roth conversions?
Replies: 12
Views: 961

Re: Handling lumpy expenses in retirement Roth conversions?

That makes perfect sense, actually it's a great idea. :beer

(Do you receive health insurance from an ACA exchange? If so, be sure to account for the increased income resulting from the conversions.)
by samsoes
Fri Jul 31, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9330

Re: Paying cash for a new car... should I let them run my credit?

Did they ask to run your credit, or are you anticipating that which might not happen?
by samsoes
Sun Jul 26, 2020 4:22 pm
Forum: Personal Consumer Issues
Topic: Coins
Replies: 28
Views: 2639

Re: Coins

manatee2005 wrote: Sun Jul 26, 2020 4:06 pm
I meant more like the legend of El Dorado where he would cover himself with gold dust in the morning and wash it away at night.
Or Scrooge McDuck, who swims in his vault of gold coins every morning.
by samsoes
Sun Jul 26, 2020 6:21 am
Forum: Personal Consumer Issues
Topic: Coins
Replies: 28
Views: 2639

Re: Coins

I used to collect coins. Then I had an epiphany: since they aren't investments, they just stay in a secure location until I die, and whoever cleans out my house will have to deal with them. Pointless.
by samsoes
Thu Jul 23, 2020 5:02 pm
Forum: Personal Consumer Issues
Topic: How dead is dead? (USPS mail)
Replies: 60
Views: 6667

Re: How dead is dead? (USPS mail)

Bogleheads, I have begun to receive political mailings, strangely, from both parties. None of these are particularly informative or insightful and I really don’t need this clutter. I have the urge to write “return to sender—recipient deceased” so stop sending me mail and, hopefully, take me off the...
by samsoes
Sat Jul 11, 2020 6:37 am
Forum: Personal Investments
Topic: Mid 40's and just starting out (or over)
Replies: 16
Views: 2473

Re: Mid 40's and just starting out (or over)

The big issue here is behavioral in nature. I think it would be important to identify what caused you to "lose your way," as you put it, and work at changing that behavior. You are young and are likely susceptible to losing your way again as life's financial surprises present themselves. Create an I...
by samsoes
Sat Jul 11, 2020 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Ethical Dilemna - Rate Lock Woes
Replies: 13
Views: 1427

Re: Ethical Dilemna - Rate Lock Woes

cubaboymatt1316 wrote: Fri Jul 10, 2020 9:47 pm [Removed]

Thanks for all the help!
Why did you remove your question?
by samsoes
Fri Jul 10, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: windows 10 file shredder
Replies: 13
Views: 854

Re: windows 10 file shredder

Try Bleach Bit (www.bleachbit.com). It's simple and free.
by samsoes
Wed Jun 24, 2020 2:59 pm
Forum: Personal Investments
Topic: Will any IRA fees deducted be deemed a distribution?
Replies: 1
Views: 134

Re: Will any IRA fees deducted be deemed a distribution?

Such fees will not be deemed a distribution.
by samsoes
Wed Jun 17, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Check
Replies: 18
Views: 1386

Re: IRS CHECK

I'm going to be blunt here. Your note is very poorly written and if your letters to the IRS were equally poorly written, I can understand why they haven't helped you as they may not be understanding what the problem is. And if your spoken communications are as poor as this note, I can also see why ...
by samsoes
Sat Jun 13, 2020 6:34 am
Forum: Investing - Theory, News & General
Topic: Frequency of Withdrawals in Retirement
Replies: 50
Views: 4095

Re: Frequency of Withdrawals in Retirement

OP, Keep 2 years of expense in CASH. Spend from the CASH. Your withdrawal is totally independent of your expense requirement. Then, you can pay fewer taxes in retirement. KlangFool How often, then, to replenish the two years of cash stash which is being spent down every month? After the first month...
by samsoes
Sat Jun 06, 2020 2:44 pm
Forum: Personal Investments
Topic: Putting money in Roth IRA vs taxable account for early retirees
Replies: 11
Views: 675

Re: Putting money in Roth IRA vs taxable account for early retirees

Generally speaking, a dollar in a Roth account is worth more than a dollar in a taxable account due to tax drag on the earnings in a taxable account. (And a dollar in a taxable account is worth more than a dollar in a traditional IRA/401k, since all funds in a traditional IRA are fully taxable.) How...
by samsoes
Fri Jun 05, 2020 8:32 pm
Forum: Investing - Theory, News & General
Topic: June 2020 Distributions
Replies: 7
Views: 1094

Re: June 2020 Distributions

Also looking for June distribution info for SCHB (Schwab), VXUS & VTI (Vanguard), and IJS (iShares).

Can anyone find/share a link with this information?
by samsoes
Fri Jun 05, 2020 1:10 pm
Forum: Investing - Theory, News & General
Topic: Anyone not bother with Tax Loss Harvesting?
Replies: 116
Views: 7440

Re: Anyone not bother with Tax Loss Harvesting?

I was tempted but didn't since I am first-year ACA and am doing a balancing act to keep my MAGI in the sweet-spot to maximize premium tax credits. I didn't want to complicate things, and I'm going to be in a very low tax bracket anyway.
by samsoes
Thu Jun 04, 2020 8:04 am
Forum: Personal Investments
Topic: Wash sale & Reinvest Qs
Replies: 5
Views: 215

Re: Wash sale & Reinvest Qs

Hi all, I am a bit confused with wash sale and hopefully someone can clarify. In my Roth Ira I exchanged everything from VTSAX to VFIAX (new fund). There are capital gains and I am not TLH. Can I buy VTSAX & reinvest itself within 31 days in my taxable account? Does this consider/trigger a wash sal...
by samsoes
Mon Jun 01, 2020 11:23 am
Forum: Personal Investments
Topic: Rescheduling a 2020 Retirement Date?
Replies: 17
Views: 1863

Re: Rescheduling a 2020 Retirement Date?

Faith20879 wrote: Mon Jun 01, 2020 11:13 am My DH and I use a hybrid LMP approach so markets' up and down is less of a threat to our finances.
What us a "hybrid LMP?" Google says it's a Le Mans prototype race car.
by samsoes
Wed May 27, 2020 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Best source of 25k needed for settlement
Replies: 10
Views: 1115

Re: Best source of 25k needed for settlement

A small mortgage or equity loan/line on the condo (not the current residence) so the interest will be deductible as acquisition debt.
by samsoes
Tue May 26, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: Cross country road trip from MA to Glacier NP and Yellowstone NP
Replies: 45
Views: 2389

Re: Cross country road trip from MA to Glacier NP and Yellowstone NP

Not considering the COVID-19 situation, this seems like an incredibly stressful trip.
I suggest you watch or re-watch the 1983 classic "National Lampoon's Vacation" with Chevy Chase.
by samsoes
Thu May 14, 2020 4:56 pm
Forum: Personal Investments
Topic: Lost Job Temporarily -- Sell Brokerage?
Replies: 19
Views: 1846

Re: Lost Job Temporarily -- Sell Brokerage?

Sorry, changed my name a while back here for more anonymity since it's discussing finances and I'm publicly searchable . . . for some reason my phone was logged into the old account :(. I suggest you ask the mods to clean-up the posts you made under the wrong name before a Google search spills the ...
by samsoes
Thu Apr 30, 2020 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 18019

Re: Quitting a job after two weeks: relocation expenses

That's no way to live. Leave now. If you continue at this place, it will put you in the hospital. Once your free of it and some time had passed, it will be water under the bridge.
by samsoes
Sat Apr 25, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Italian traffic fine with U.S. debt collector-revisited?
Replies: 26
Views: 2723

Re: Italian traffic fine with U.S. debt collector-revisited?

Pay the collection agency $10 per month and forget about it. Easily the worst advice in this thread. This accomplished nothing except making the collection agency richer by $10 a month and your poorer by $10. The collection agency will take advantage of this in a heartbeat. OP please ignore this ho...
by samsoes
Sat Apr 25, 2020 9:38 am
Forum: Personal Consumer Issues
Topic: Italian traffic fine with U.S. debt collector-revisited?
Replies: 26
Views: 2723

Re: Italian traffic fine with U.S. debt collector-revisited?

Pay the collection agency $10 per month and forget about it.
by samsoes
Sat Apr 25, 2020 6:50 am
Forum: Personal Investments
Topic: May have to spend ENTIRE taxable account. Sell all stocks?
Replies: 20
Views: 3373

Re: May have to spend ENTIRE taxable account. Sell all stocks?

Due to the current economic crisis and health issues, I may have to spend my entire taxable account over the next five years in order to reach social security eligibility. My current allocation in taxable is 30/70. I am debating whether I should sell all my stocks and move the funds to cash and/or ...
by samsoes
Sat Apr 25, 2020 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Take Social Security now, at 66, during Corona-virus?
Replies: 61
Views: 5074

Re: Take Social Security now, at 66, during Corona-virus?

I vote to take it now. Although SS is actuarially neutral, in these uncertain times one cannot be too presumptuous. "A bird in the hand," so to speak. There were many folks your age who, 2 months ago, were otherwise healthy and now have succumbed to COVID-19. And since you are single, there is no sp...
by samsoes
Wed Apr 15, 2020 6:24 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio: ‘you’d be pretty crazy to hold bonds’ right now
Replies: 128
Views: 13922

Re: Ray Dalio: ‘you’d be pretty crazy to hold bonds’ right now

Sounds like he's long equities and wants you to hop on and pump them up for him. Do your civic duty and inflate the bubble man! Not true at all. Watch this video. He says coronacrash is going to be worse than 2008. https://www.ted.com/talks/ray_dalio_what_coronavirus_means_for_the_global_economy Th...
by samsoes
Wed Apr 15, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: CARES Act Above the Line Charitable Deduction: $300 or $600 for MFJ?
Replies: 44
Views: 4280

Re: CARES Act Above the Line Charitable Deduction: $300 or $600 for MFJ?

Does the $300 "above the line" deduction reduce AGI (as does a CD early withdraw penalty), or is the $300 reduction applied after the AGI line (where taxable income is being calculated but above it)?

I'm asking since AGI is the focal point of the ACA premium tax credit calculation.
by samsoes
Wed Apr 15, 2020 8:43 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29436

Re: Report when you receive your stimulus check here

Got it today, 4/15. Greatly reduced to a few hundred. Single, retired 8/2019, but had a decent AGI for 2019 based on salary, bonus, ESPP, RSU, etc. This year (2020) income projected to be 20,500 for ACA purposes. Does anyone know if there's a true-up to base the stimulus amount on 2020 AGI when fil...
by samsoes
Wed Apr 15, 2020 7:24 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29436

Re: Report when you receive your stimulus check here

Got it today, 4/15. Greatly reduced to a few hundred. Single, retired 8/2019, but had a decent AGI for 2019 based on salary, bonus, ESPP, RSU, etc. This year (2020) income projected to be 20,500 for ACA purposes. Does anyone know if there's a true-up to base the stimulus amount on 2020 AGI when fili...
by samsoes
Sat Apr 11, 2020 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Holding EF in something other than cash?
Replies: 32
Views: 1821

Re: Holding EF in something other than cash?

During a recent post here about a month ago during the first precipitous drop, and after the second emergency rate cut (sorry, I don't have the link), there was concern about MM funds "breaking the buck," as happened briefly in 2008. The consensus was that in such a potentially unstable and near-cha...
by samsoes
Tue Mar 17, 2020 11:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696866

Re: U.S. stocks continue to soar!

bump.
by samsoes
Sat Mar 14, 2020 10:04 am
Forum: Investing - Theory, News & General
Topic: Estimated state tax payments
Replies: 2
Views: 215

Re: Estimated state tax payments

US citizen. Became Michigan resident 1/20/2020 (from Canada). Michigan states it follows IRS guidelines for estimated tax requirement: 90% of your current year's tax liability, or 100% of your previous year's tax liability, or 110% of your previous year's tax liability if your previous year's adjus...
by samsoes
Thu Mar 12, 2020 9:54 am
Forum: Personal Investments
Topic: VG/Schwab March estimated dividends
Replies: 12
Views: 828

Re: VG/Schwab March estimated dividends

Curious what you do with this info? Planning. I need to show targeted quarterly income for ACA purposes, in-line with the quarterly income targets I provided during enrollment. (State-run exchange requires documentation in order to qualify on an ongoing basis for Premium Tax Credits and Cost Sharin...
by samsoes
Wed Mar 11, 2020 3:46 pm
Forum: Personal Investments
Topic: VG/Schwab March estimated dividends
Replies: 12
Views: 828

Re: VG/Schwab March estimated dividends

I don't know about Schwab, but Vanguard posts (check back for updates): https://investornews.vanguard/estimated-supplemental-fund-distributions/ Thanks, dh, but that link isn't it (I ran across it in my searches). It refers to supplemental distributions from last year. (SCHB isn't on the list.) The...
by samsoes
Tue Mar 10, 2020 7:29 pm
Forum: Personal Investments
Topic: Could EE bonds doubling time increase?
Replies: 5
Views: 584

Re: Could EE bonds doubling time increase?

Treasury can do whatever they want regarding yet-to-be-purchased EE bonds. Currently held bonds, no.

In all likelihood, since most folks don't hold EE bonds for the full 20 years, no changes will be made.
by samsoes
Tue Mar 10, 2020 7:05 pm
Forum: Forum Issues and Administration
Topic: Did I break the forum?
Replies: 4
Views: 1265

Re: Did I break the forum?

dratkinson wrote: Tue Mar 10, 2020 6:57 pm ^^^ Firefox v2.
Firefox v2 :?: Shocking that still works. I'm on Firefox v73.0.1.
by samsoes
Tue Mar 10, 2020 6:27 pm
Forum: Personal Investments
Topic: VG/Schwab March estimated dividends
Replies: 12
Views: 828

Re: VG/Schwab March estimated dividends

Curious what you do with this info? Planning. I need to show targeted quarterly income for ACA purposes, in-line with the quarterly income targets I provided during enrollment. (State-run exchange requires documentation in order to qualify on an ongoing basis for Premium Tax Credits and Cost Sharin...
by samsoes
Tue Mar 10, 2020 9:37 am
Forum: Personal Investments
Topic: VG/Schwab March estimated dividends
Replies: 12
Views: 828

Re: VG/Schwab March estimated dividends

Bump, thanks.
by samsoes
Mon Mar 09, 2020 8:27 pm
Forum: Personal Investments
Topic: VG/Schwab March estimated dividends
Replies: 12
Views: 828

Re: VG/Schwab March estimated dividends

Curious what you do with this info? Planning. I need to show targeted quarterly income for ACA purposes, in-line with the quarterly income targets I provided during enrollment. (State-run exchange requires documentation in order to qualify on an ongoing basis for Premium Tax Credits and Cost Sharin...