Search found 225 matches

by Rolyatroba
Wed Jan 22, 2020 11:53 am
Forum: Personal Finance (Not Investing)
Topic: 1031 and 121 Non-Qualified Use
Replies: 4
Views: 249

Re: 1031 and 121 Non-Qualified Use

...If you sold for a $400K gain and there had been $50K accumulated depreciation, then the remaining $350K x 6/8 = $262,500 would be the excludable amount of the gain. Thanks again. Yes, I understand the depreciation part, and your reply clears up the 6/8 or 100% question. That is also my laymen un...
by Rolyatroba
Wed Jan 22, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: 1031 and 121 Non-Qualified Use
Replies: 4
Views: 249

Re: 1031 and 121 Non-Qualified Use

Thanks for the reply. After initially posting I found a site that seems to confirm what you're saying, but also implies an even better scenario. From http://www.exeter1031.com/article_changes_to_section_121.aspx : "However, non-qualified use after the property was held and used as a primary residenc...
by Rolyatroba
Tue Jan 21, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: 1031 and 121 Non-Qualified Use
Replies: 4
Views: 249

1031 and 121 Non-Qualified Use

We have a home acquired in a 1031 exchange, which we rented out for 2 years then converted to a primary residence. We are approaching the 5 year mark (minimum time to exempt gains with recent rules), and I'm trying to figure out something on non-qualified use that I can't find a clear answer for on ...
by Rolyatroba
Sat Nov 23, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: What's your FIRECALC number?
Replies: 58
Views: 8215

Re: What's your FIRECALC number?

Can I suggest this TVM vs. VPW conversation be moved to that actual thread? ( https://www.bogleheads.org/forum/viewtopic.php?t=263790 ) In bringing up VPW in my post, it was meant to be used as another way of predicting portfolio survivability (albeit having modified using Monte Carlo simulation). G...
by Rolyatroba
Fri Nov 22, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: What's your FIRECALC number?
Replies: 58
Views: 8215

Re: What's your FIRECALC number?

I was happy when we hit 90%, elated when we hit 95%, and now we are ecstatic at 100% (and not yet retired). BTW, the VPW model is great and I definitely plan to use in retirement. Since we haven't retired yet, I've modified the VPW spreadsheet for planning purposes, using Monte Carlo simulation (10,...
by Rolyatroba
Mon Nov 18, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: 2018 RAV4 Hybrid. Any known problem?
Replies: 13
Views: 1501

Re: 2018 RAV4 Hybrid. Any known problem?

We've had a 2018 RAV4 Hybrid since November of 2017. We both absolutely love it, on a number of levels. Has been averaging about 35 in the city and 28-30 on the highway. Quiet and feels pretty luxurious for a $30k vehicle (we have the "Limited" version). And not a trip to the dealer for anything exc...
by Rolyatroba
Sun Nov 10, 2019 3:30 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 933
Views: 318758

Re: Variable Percentage Withdrawal (VPW)

longinvest wrote:
Sun Nov 10, 2019 3:12 pm
I'm seeking the help of an iPad user who could explain how to copy and modify the worksheet in this device.
There seems to be an app for this...haven't tried myself though.
https://support.google.com/docs/answer/ ... DiOS&hl=en
by Rolyatroba
Wed Oct 30, 2019 1:35 pm
Forum: Investing - Theory, News & General
Topic: If Charles Schwab et al. drop commissions to zero, can we build our own index funds?
Replies: 68
Views: 7949

Re: If Charles Schwab et al. drop commissions to zero, can we build our own index funds?

I think this has been alluded to, although I didn't thoroughly read every post, but isn't the gorilla in the room the fact that there are a number of companies in VTI that are held in total amounts under $1,000 by the fund, and at the same time the top of the company holdings list are in excess of $...
by Rolyatroba
Tue Jul 02, 2019 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: HCOL vs LCOL Dilemma
Replies: 96
Views: 5511

Re: HCOL vs LCOL Dilemma

This is starting to look like a Nextdoor thread.
by Rolyatroba
Mon Jul 01, 2019 11:17 am
Forum: Personal Finance (Not Investing)
Topic: HCOL vs LCOL Dilemma
Replies: 96
Views: 5511

Re: HCOL vs LCOL Dilemma

Didn't read all the posts, so apologies if this has been covered. If you can manage it, and it sounds like you can, don't sell your Norcal home, until you are dead certain you want to permanently leave Norcal. We moved from a prime spot in Silicon Valley to a LCOL area in 2008. We kept the home and ...
by Rolyatroba
Thu Jun 13, 2019 12:39 pm
Forum: Personal Investments
Topic: High net worth individual seeks portfolio advice
Replies: 84
Views: 11887

Re: High net worth individual seeks portfolio advice

Have you thought about some worry mitigation by modeling portfolio income? Even if stocks take a 50% haircut, income from the model below would not change that dramatically. You have plenty of headroom here, with your stated spending pattern, to withstand any downturn (well, one which doesn't result...
by Rolyatroba
Thu May 16, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Impossible Burger At Home
Replies: 35
Views: 3061

Re: Impossible Burger At Home

adamthesmythe wrote:
Thu May 16, 2019 10:19 am
Soylent is something else http://www.soylent.com

...and it's no longer made from people.
Hysterical that their packages come in just about every color, except green!
by Rolyatroba
Mon May 13, 2019 3:07 pm
Forum: Personal Investments
Topic: Email to my Edward Jones Rep
Replies: 46
Views: 4670

Re: Email to my Edward Jones Rep

If do send this letter before initiating the transfer, be sure that the response includes AUM fees, in addition to fund fees. That will likely be around 50% of the total cost.
by Rolyatroba
Fri May 10, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Vacant Lake Lot. Sell or Hold?
Replies: 54
Views: 3308

Re: Vacant Lake Lot. Sell or Hold?

If I owned this, and wanted to sell like you, I'd take off the market and wait for the real estate agency contract to expire. I'd then put on a flat (low) fee MLS and offer 3% to the buyer's agent. The ~5% savings will pay for a few years of taxes, and there is a reasonably good chance that the valu...
by Rolyatroba
Fri May 10, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Selling house- am I being charged twice for the same thing??
Replies: 5
Views: 1415

Re: Selling house- am I being charged twice for the same thing??

I don't think it is double dipping. Both entities have to submit docs to the county recorder (one for the title and one to release the debt). So, I think that is what this is.
by Rolyatroba
Tue Apr 23, 2019 11:40 am
Forum: Personal Investments
Topic: What are the ways a solo business owner can put money into retirement?
Replies: 14
Views: 1146

Re: What are the ways a solo business owner can put money into retirement?

I have a personal 401k account at Schwab and have been able to contribute every single dollar of profit from a small business into that account. I'm semi-retired, and DW brings in income, so it hasn't been a huge amount, about $15k per year. But I believe you can channel a lot more into it, especial...
by Rolyatroba
Wed Apr 17, 2019 1:41 pm
Forum: Investing - Theory, News & General
Topic: Would you be willing to temporarily change your AA?
Replies: 54
Views: 4202

Re: Would you be willing to temporarily change your AA?

Sorry to bump an oldish thread, but just ran across this, and I have a different opinion than most. I'd suggest it is not market timing, as long as you have a plausible belief that equities will recover in the 22 years until your retirement (well 21 now, I suppose). I know, Japan, Japan, Japan. Well...
by Rolyatroba
Sun Apr 07, 2019 6:31 pm
Forum: Personal Investments
Topic: Early Retirement and Asset Allocation
Replies: 21
Views: 2944

Re: Early Retirement and Asset Allocation

Just found this thread while searching on sequence of returns risk, as we'll be early retiring within 2 years, and wanting to button all our buttons. OP...I believe yield is a really important thing for portfolio survivability, and I tend to allocate more toward equities, so I am wondering how your ...
by Rolyatroba
Thu Jan 17, 2019 12:42 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 58690

Re: John Bogle has died at age 89

Part of what makes me sad with Mr. Bogle's passing is that he is an unsung hero to many. My brother, who has bought in to low-cost index investing to some extent, does not suffer this loss. I can't tell my brother how sad this makes me, the loss of a true working man's hero--perhaps only a notch bel...
by Rolyatroba
Tue Oct 30, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 241
Views: 42617

Re: Body by Science Workout

1. Are you still doing it? 2. If so, for how many years? 3. If you have been doing it for years, are you still seeing the benefits? I am still doing it, and have been doing so for 7 or 8 years. I only do to maintain basic functional strength, so I don't follow the advice to keep upping the weights....
by Rolyatroba
Fri Sep 21, 2018 12:30 am
Forum: Personal Consumer Issues
Topic: Recommend a To-do app please.
Replies: 33
Views: 4649

Re: Recommend a To-do app please.

www.todoist.com On the Windows side they have both an App from the store and you can dig around and find their non-store app as well. But I just just the web version, using the Chrome web shortcut tool, which makes it feel like an app. Have on my Android phone as well. I suppose if you use as a web...
by Rolyatroba
Thu Sep 13, 2018 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 7083

Re: Lab test prices - exasperating!

It is not appropriate for me to comment on specific medical conditions, but find another doctor if you think they are dishonest. What was the doctor’s profit on the test? Done in house? There are potentially a lot more reasons for the unnecessary test that was not communicated to you. The doctor wa...
by Rolyatroba
Wed Sep 12, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 7083

Re: Lab test prices - exasperating!

I don’t disagree that tests are ordered unnecessarily. Most doctors have no financial interest in ordering unnecessary tests. If your doctor owns the lab, it should be disclosed. If you think the test is unnecessary, find a doctor that doesn’t own the lab. You have no trust in them. Unnecessary tes...
by Rolyatroba
Wed Sep 12, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 7083

Re: Lab test prices - exasperating!

So is it pointless to ask for pricing? In my experience, as nearly as I can tell... yes. Do you just go ahead with the treatment/tests/procedure and hope they don't bill you an obscene amount that's not covered under insurance? Why, yes. That is what I do. Because I haven't figured out what else to...
by Rolyatroba
Wed Sep 12, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 7083

Re: Lab test prices - exasperating!

goodenyou wrote:
Wed Sep 12, 2018 10:03 pm
Doctors don’t pick lab tests based on what is covered. I would hope it is based on what is medically necessary.
I'd suggest that is a naive hope. Unnecessary tests are widely considered to be a significant part of the problem of our high-cost health care system.
by Rolyatroba
Wed Sep 12, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 7083

Re: Lab test prices - exasperating!

That was a cost estimate to you based on your insurance benefit. Key word is estimate: noone can predict what your insurance will ultimately pay based on their seemingly endless algorithms to reduce payments. Came out higher for you based on final payment from insurance and you refused to pay and c...
by Rolyatroba
Wed Sep 12, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 7083

Re: Lab test prices - exasperating!

I feel like I encounter this practice with literally every professional or contractor service I have ever used, from auto repair to legal issues to carpentry. Well, that hasn't been my experience: auto repair shops will always give a quote for most things (perhaps internal problems that can't be di...
by Rolyatroba
Wed Sep 12, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 7083

Re: Lab test prices - exasperating!

I have successfully used https://requestatest.com/ on a couple of occasions, if you want to try that in the future. Not sure if it will have your test or have a relationship with a lab in your area, however. BTW, if you do get a hefty bill, fight it. Show the billing dept. that you're a diligent con...
by Rolyatroba
Mon Jun 11, 2018 10:02 am
Forum: Personal Investments
Topic: Help with Drawdown Strategy
Replies: 5
Views: 996

Re: Help with Drawdown Strategy

Ok...I think I've modeled a way to analyze this conundrum; if anyone can chime in on the efficacy and findings, that would be great. What I did was run 2 different i-ORP scenarios: 1 - Follow i-ORP as is, starting at age 60 with numbers that I have been using. The result is that max. annual spending...
by Rolyatroba
Sat Jun 09, 2018 2:23 pm
Forum: Personal Investments
Topic: Help with Drawdown Strategy
Replies: 5
Views: 996

Re: Help with Drawdown Strategy

Thanks for chiming in...I have the same AA (60% stocks) and the same return and dist. rate for all 3 account types. Marginal tax rate of 28%, and cap gains at 20% (will be that or higher with all the tax-deferred withdrawals--i-ORP doesn't adjust this automatically based on taxable income). Taxes go...
by Rolyatroba
Sat Jun 09, 2018 12:00 pm
Forum: Personal Investments
Topic: Help with Drawdown Strategy
Replies: 5
Views: 996

Help with Drawdown Strategy

Hi...we are retiring in about 2 years, and I am now devising our drawdown strategy. I've seen the conventional strategy of taking RMDs, then from taxable, then tax-deferred, then tax-free assets, as well as the alternative strategy that suggests first withdrawing from tax-deferred (to avoid tax brac...
by Rolyatroba
Mon Feb 19, 2018 7:28 pm
Forum: Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1642

Re: Boglehead Approved Delaware Statutory Trust?

I understand our present due Taxes of $120k will carry on, and if we do 301 Exchange again & buy other properties when the first properties get sold, then the Cap Gains & Dep Recapture Taxes of that sale will be added to the 120k . At the end of the year, do you get the figures of Depreciation Taxe...
by Rolyatroba
Mon Feb 19, 2018 6:18 pm
Forum: Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1642

Re: Boglehead Approved Delaware Statutory Trust?

Do the Kay Properties do 1031 Exchange work themselves or they refer you to a Intermediary, which entity was that ? What do your DSTs charge ? all upfront or any hidden charges ? Kay Properties is a broker that sells DSTs from companies that construct them (largely real estate management firms). Th...
by Rolyatroba
Mon Feb 19, 2018 5:29 pm
Forum: Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1642

Re: Boglehead Approved Delaware Statutory Trust?

I am unable to see/read your message, although it says on top right hand corner that 1 message is there waiting , but it does not come up when I click on it, strange... Oh, the PM I was talking about was to the user "nnyljh" who posted last month, above yours, so no need to worry about that. I am l...
by Rolyatroba
Mon Feb 19, 2018 4:11 pm
Forum: Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1642

Re: Boglehead Approved Delaware Statutory Trust?

... 1)Whether to do a 1031 Exchange or not (will save 120k in Taxes, may have to find a Exchange Intermediary fast), & do a DST- (Heard about DST high fees ??) OR 2) Pay taxes , invest proceeds along with our investments all in Vanguard (easy, I like the lazy way to invest, buy & hold) OR 3) Pay ta...
by Rolyatroba
Wed Dec 13, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 324
Views: 42118

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

This is an argument AGAINST bitcoin, because the vast majority of people (at least in the U.S.) do not have a complete lack of faith in the U.S. government or the banks, and money has not been devalued here (Inflation is low). So it will not be adopted by the masses, if that's the reason for bitcoi...
by Rolyatroba
Wed Dec 06, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 324
Views: 42118

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

if there's no point in even asking the questions we'd be staying away from every type of investment and there would be no investment industry. do you know the future of every one of your investments? do you know the SWOT and your personal perspective for every company that's in all of your index fu...
by Rolyatroba
Wed Dec 06, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 324
Views: 42118

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

most here thing bitcoin is a bubble and will soon crash and it's understandable how that's the common view. but objectively thinking.... what if it's not? In my opinion the better and more important question would be "is this a bubble?" There is no point to either question, as neither can be answer...
by Rolyatroba
Tue Dec 05, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 324
Views: 42118

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

Without a doubt investing in Bitcoin would be every bit as speculative as investing in Webvan. Great idea, initially successful, but who knows how it will turn out. Digital currency is certainly the future, but to invest in Bitcoin is to bet that Bitcoin will win that battle in the long run...unlike...
by Rolyatroba
Fri Nov 17, 2017 9:21 pm
Forum: Personal Investments
Topic: Who has had a 3 or 4 Fund Portfolio the past 10 - 15 years?
Replies: 9
Views: 3900

Re: Who has had a 3 or 4 Fund Portfolio the past 10 - 15 years?

Maybe you can use Portfolio Visualizer to help on this. A 4-fund portfolio for your timeframe is below (note the VG Int'l doesn't go that far back, so I just picked the first I found that did--note it might not be suitable). https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&sta...
by Rolyatroba
Tue Sep 19, 2017 12:32 am
Forum: US Chapters
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 15112

Re: Bogleheads you would most like to meet and why?

For heart: Livesoft

For soul: VictoriaF

For mind: Nisiprius

For body: TBD :-)
by Rolyatroba
Thu Jun 29, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: Good on Cramer!
Replies: 19
Views: 5147

Re: Good on Cramer!

munemaker wrote:I turn the channel when Cramer is on.
Well this isn't about you. It is about the obviously less enlightened people that watch and trust Cramer.
by Rolyatroba
Thu Jun 29, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Good on Cramer!
Replies: 19
Views: 5147

Good on Cramer!

He's turned around on index funds it seems. Even says to invest there first before dabbling in individual stocks. He also seems extremely contrite...really glad to see this. Best to watch in the 2nd video: http://www.cnbc.com/2017/06/28/cramer-how-the-2008-recession-changed-my-investing-approach-for...
by Rolyatroba
Mon May 22, 2017 5:34 pm
Forum: Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1642

Re: Boglehead Approved Delaware Statutory Trust?

I ended up going the DST route. Very glad I did so far. A little more than a year in, and distributions have been exactly as expected, and the communications and professionalism of the 2 different management companies (for 3 diff. properties) has been excellent.
by Rolyatroba
Thu Apr 20, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Does AMT erode value of suspended passive losses?
Replies: 5
Views: 1090

Re: Does AMT erode value of suspended passive losses?

I don't know which software you are using but I had the same issue with turbotax. If you go through the interview you will see that is has a spot for carryover losses for both the regular tax and the AMT. It defaulted to zero for the AMT slot so I had to enter that number. Once I did that the probl...
by Rolyatroba
Wed Apr 19, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Does AMT erode value of suspended passive losses?
Replies: 5
Views: 1090

Re: Does AMT erode value of suspended passive losses?

Thanks...I'll check out to see if I've somehow missed carrying over passive losses to AMT as well.
by Rolyatroba
Wed Apr 19, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Does AMT erode value of suspended passive losses?
Replies: 5
Views: 1090

Does AMT erode value of suspended passive losses?

We did a 1031 exchange in 2016, where there was approx. $150k in prior passive losses. After the exchange, we are now booking taxable income on the new passive activities. For regular taxes, I can see that passive income is offset by prior losses, and thus there is $0 on 1040 line 17. But, on AMT, I...
by Rolyatroba
Fri Feb 24, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: critique Italian itinerary
Replies: 34
Views: 3520

Re: critique Italian itinerary

I second skipping Venice...although it is eventually a "must-see" I'd suggest going when you have more time, and perhaps the luxury of going off- or mid-season. As for Bolzano, this is hazy since I was last there in 1998, but I recall enjoying Merano much more (Bolzano seemed more industrial). Nor d...
by Rolyatroba
Tue Jan 03, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 301
Views: 48802

Re: Whats your number to walk away?

$2.6M was our minimum walk-away (including $300k set aside for college for 2 kids, currently 15 & 17). That had me almost completely stop working when we hit that a year ago (I'm 56 and DW is 50). We have a paid-off rental home in Marin county CA that we'll move to in 3.5 years, regardless of what t...
by Rolyatroba
Thu Oct 27, 2016 4:13 pm
Forum: Personal Consumer Issues
Topic: How many have moved from California due to Cost of Living?
Replies: 108
Views: 17133

Re: How many have moved from California due to Cost of Living?

Just an FYI, from someone who moved from Silicon Valley to the Boise, Idaho area: 1. We kept our house in SV, just in case we decided to come back (and it was the smartest thing we did, because we do plan to come back) 2. I didn't catch if you were raised in SV/Norcal, but I am from there and can't ...