Search found 1451 matches

by 1210sda
Fri May 10, 2019 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 7155

Re: How much do you donate?

Retired and subject to RMD's.

Donate 10% of our annual spending to charities . (Qualified Charitable Distributions).

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by 1210sda
Wed May 01, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: From Fidelity: "Family Forward Planning Guide"
Replies: 6
Views: 576

Re: From Fidelity: "Family Forward Planning Guide"

LongRoad wrote:
Wed May 01, 2019 12:51 pm
Could it have been related to this?

https://www.fidelitycharitable.org/docs ... de_Web.pdf
Long Road, thanks. How did you get it? Did you have to provide a lot of info for downloading?

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by 1210sda
Wed May 01, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: From Fidelity: "Family Forward Planning Guide"
Replies: 6
Views: 576

Re: From Fidelity: "Family Forward Planning Guide"

oldcomputerguy wrote:
Wed May 01, 2019 12:05 pm
What is the URL where you went to get the guide? Was it a fidelity.com URL?

I just did a quick Google search for "Fidelity Forward Planning Guide" and came up empty-handed.
I believe adding the word "Family" might make a difference.

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by 1210sda
Wed May 01, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: From Fidelity: "Family Forward Planning Guide"
Replies: 6
Views: 576

From Fidelity: "Family Forward Planning Guide"

I received an email this morning offering this planning guide.

I started to download the guide, but cancelled when I found out how much personal information they wanted.

Has anyone downloaded this guide? In your opinion, was it worth it? Have you had a lot of contact from Fidelity?

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by 1210sda
Mon Apr 29, 2019 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5139

Re: Texas property tax protest

with the homestead exemption and age 65 freeze, my effective tax rate is down to 1.5% of the appraised/assessed value.

1210

P.S. Not all the taxing jurisdictions are frozen, but the bulk of them are.
by 1210sda
Sun Apr 28, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5139

Re: Texas property tax protest

BTW, Sunny do you mind sharing why you relocated from California to Texas?

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by 1210sda
Sat Apr 27, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5139

Re: Texas property tax protest

One more thing: Our appraisal district has a computer printout of all the sales prices of homes and they have to provide it to taxpayers, so that taxpayers can look up to see how the appraisal district has arrived at the appraised value. It is completely transparent, but it is not on the internet. ...
by 1210sda
Fri Apr 19, 2019 10:39 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8481

Re: This could be the biggest risk that retirees face?

Monitor your portfolio balance once a year, relative to your 30-35 year goal. Running out of money is not a sudden event for those who pay attention. Amen! After 17 years in retirement, my actual portfolio balance is at 167% of the target for year end 2018. Yr Target End to Actual 2002 87.0% 2003 1...
by 1210sda
Mon Apr 15, 2019 2:37 pm
Forum: Investing - Theory, News & General
Topic: Inputs for Monte Carlo Simulation
Replies: 2
Views: 234

Re: Inputs for Monte Carlo Simulation

I have a program called MC Retire. It was developed by Dave Wilkinson, a colleague of Bill Bernstein.

You choose the inputs.

I'm just curious what other Bogleheads (those that have an MCS program) use.

Yes, I'm aware of Fidelity's mcs and others. Thank you.

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by 1210sda
Mon Apr 15, 2019 2:22 pm
Forum: Investing - Theory, News & General
Topic: Inputs for Monte Carlo Simulation
Replies: 2
Views: 234

Inputs for Monte Carlo Simulation

what inputs do you use for running MCS?

Arith. Mean=
Std Dev=
Time Horizon=
Success Prob.=
Inflation=

other=

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by 1210sda
Fri Apr 12, 2019 7:35 am
Forum: Personal Finance (Not Investing)
Topic: 4% SWR - how confident are you?
Replies: 117
Views: 8112

Re: 4% SWR - how confident are you?

Since I did not want to start a new thread on the same topic, just FYI, Michael Kitces has a interesting piece on Morningstar and he expresses very high confidence with the 4% rule even with some sequence of returns risk. Thought i'd share this. https://www.youtube.com/watch?v=vVPIpb1wbgI Since so ...
by 1210sda
Tue Apr 02, 2019 6:51 pm
Forum: Personal Investments
Topic: The tactics of Withdrawal -McClung model
Replies: 14
Views: 1399

Re: The tactics of Withdrawal -McClung model

He advocates withdrawing only from bond funds until the initial stock allocation rises above 1.2 times the initial mark. All my bonds are in tax-deferred. I guess this means I take the tax hit from the higher tax deferred side rather than sell down some of my stocks on the taxable side? This has be...
by 1210sda
Mon Mar 18, 2019 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Having both kids and a charity as beneficiaries on an IRA.....
Replies: 26
Views: 1987

Re: Having both kids and a charity as beneficiaries on an IRA.....

I disagree with Mr. or Ms. Nolo. Does he/she provide any authority for his/her conclusion? Hi Bruce. Thanks for responding. I'm glad you disagree. No, it was just an article. There was no reference to any authority. Are you saying then that I could name both a charity and my kid as beneficiaries of...
by 1210sda
Mon Mar 18, 2019 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Having both kids and a charity as beneficiaries on an IRA.....
Replies: 26
Views: 1987

Re: Having both kids and a charity as beneficiaries on an IRA.....

I disagree with Mr. or Ms. Nolo. Does he/she provide any authority for his/her conclusion? Hi Bruce. Thanks for responding. I'm glad you disagree. No, it was just an article. There was no reference to any authority. Are you saying then that I could name both a charity and my kid as beneficiaries of...
by 1210sda
Sun Mar 17, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Having both kids and a charity as beneficiaries on an IRA.....
Replies: 26
Views: 1987

Re: Having both kids and a charity as beneficiaries on an IRA.....

Bumping an old post to see if there are any new opinions on this.

I haven't checked with Vanguard recently, so maybe they've updated their policy.

Someone mentioned that Vanguard might allow this for Flagship clients. I dunno, doesn't sound quite fair.

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by 1210sda
Mon Mar 11, 2019 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone leaving behind a scholarship fund?
Replies: 63
Views: 3876

Re: Anyone leaving behind a scholarship fund?

Thank you, "ThankyouJack".

For me, this is an incredibly well timed post. I'd been thinking about doing this for some time now and your post has inspired me to move forward with this.

Lots of good suggestions in the rest of the posts as well.

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by 1210sda
Sat Mar 09, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: Garbage Disposal: So many choices out there. How do you decide which one?
Replies: 54
Views: 3491

Re: Garbage Disposal: So many choices out there. How do you decide which one?

Thanks for the replies. Couple more questions: What is continuous feed? Is it better than non-continuous feed? 1210 I was curious also and typed the same question in google. Found this link which I think did a pretty good job. http://www.downthesink.com/continuous-feed-vs-batch-feed/ Wow! That's a ...
by 1210sda
Sat Mar 09, 2019 12:09 am
Forum: Investing - Theory, News & General
Topic: Grantham: US will return 2% real next 2 decades
Replies: 173
Views: 16830

Re: Grantham: US will return 2% real next 2 decades

Whether Jeremy Grantham turns out to be right or wrong, it's still just a guess.

I prefer to follow Jack's advice......"nobody knows nuttin...", and "stay the course".

1210
by 1210sda
Fri Mar 08, 2019 11:59 pm
Forum: Personal Consumer Issues
Topic: Garbage Disposal: So many choices out there. How do you decide which one?
Replies: 54
Views: 3491

Re: Garbage Disposal: So many choices out there. How do you decide which one?

Thanks for the replies.

Couple more questions: What is continuous feed? Is it better than non-continuous feed?

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by 1210sda
Fri Mar 08, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Garbage Disposal: So many choices out there. How do you decide which one?
Replies: 54
Views: 3491

Garbage Disposal: So many choices out there. How do you decide which one?

I'm in the market for a garbage disposal. There are a lot of choices.

What should one look for in a GD?

Appreciate all the help I can get.

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by 1210sda
Sun Mar 03, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Beneficiary Designations for IRA's at Vanguard
Replies: 7
Views: 931

Re: Beneficiary Designations for IRA's at Vanguard

My spouse is the primary beneficiary for my IRA and I'm the primary beneficiary for her IRA. The secondary beneficiary for both IRA's is our revocable living trust. Is this an appropriate arrangement? ... Probably not. Why not leave your IRA to the beneficiaries of the revocable trust if your spous...
by 1210sda
Sat Mar 02, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary Designations for IRA's at Vanguard
Replies: 7
Views: 931

Re: Beneficiary Designations for IRA's at Vanguard

I have experience as non-spousal beneficiary in which an inherited IRA was created and titled as "Deceased" FBO "Beneficiary" in which the stretch provision using Table 1 in Pub 590 is used for RMD. Actually, I just took my 2019 RMD today. My understanding is that a surviving spouse can "assume" th...
by 1210sda
Thu Feb 28, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary Designations for IRA's at Vanguard
Replies: 7
Views: 931

Beneficiary Designations for IRA's at Vanguard

My spouse is the primary beneficiary for my IRA and I'm the primary beneficiary for her IRA. The secondary beneficiary for both IRA's is our revocable living trust. Is this an appropriate arrangement? How does it impact "stretching" the IRA's? I can't recall why we set up the Trust as the secondary ...
by 1210sda
Mon Feb 25, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is anyone planning on using TurboTax Basic for 2018 taxes?
Replies: 12
Views: 1167

Re: Is anyone planning on using TurboTax Basic for 2018 taxes?

Just finished doing my 2018 taxes on Turbo Tax Basic.

Had no problems, went smoothly.

It handled foreign tax credit, including Form 1116 (Foreign Tax Credit).

We don't have a state income tax in my state.

Feel good saved a few bucks on tax software.

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by 1210sda
Wed Feb 20, 2019 7:53 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 3% is the new 4%
Replies: 516
Views: 35493

Re: Larry Swedroe: 3% is the new 4%

What page in Larry's book is the 3% to 4% reference??

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by 1210sda
Wed Feb 20, 2019 2:43 pm
Forum: Personal Investments
Topic: Hourly fee-based advisor?
Replies: 32
Views: 2190

Re: Hourly fee-based advisor?

DecumulatorDoc wrote:
Wed Feb 20, 2019 6:44 am
Also in the next couple of months Rick Ferri, who is well respected here, will be starting up a low cost hourly fee advisory firm. https://core-4.com/advice/
You should definitely consider Rick. I believe he will be "live" in April of this year.

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by 1210sda
Mon Feb 18, 2019 9:21 pm
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 130
Views: 8820

Re: How many bogleheads do you know in real life?

I didn't think I knew any before, and it was confirmed the other day.

I was at a gathering with about eight of my neighbors. I asked the group...By the way, did you hear that Jack Bogle died?

They all looked at me with a blank stare. 'nuff said.

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by 1210sda
Tue Feb 12, 2019 11:04 am
Forum: Investing - Theory, News & General
Topic: How Investing Ability Changes With Age --blog post
Replies: 33
Views: 2544

Re: How Investing Ability Changes With Age --blog post

Jack Bogle was around 47 when he started Vanguard and the Index 500 fund. Had he waited 8 years, we probably wouldn't have listened to him. :) :) Sorry Livesoft, at your recommendation, I'm going to have to ignore all your advice. 1210 PS: Just kidding, I'll continue to listen to LS advice. Once he ...
by 1210sda
Mon Feb 11, 2019 11:45 pm
Forum: Investing - Theory, News & General
Topic: What Is Your Favorite Bogle Quote?
Replies: 48
Views: 2732

Re: What Is Your Favorite Bogle Quote?

goingup wrote:
Mon Feb 11, 2019 11:06 pm
“Stay the course. No matter what happens, stick to your program. I’ve said “Stay the course” a thousand times, and I meant it every time. It is the most important single piece of investment wisdom I can give to you.”

+1
by 1210sda
Mon Feb 11, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8327

Re: What is a Boglehead funeral/burial?

Livesoft, thanks for the video link
by 1210sda
Tue Feb 05, 2019 3:32 pm
Forum: Investing - Theory, News & General
Topic: If you are old, why bother with rebalancing!!?
Replies: 114
Views: 7873

Re: If you are old, why bother with rebalancing!!?

But I will admit that I do not rebalance any more in down markets. If stocks drop, I will pull from bonds, and wait for stocks to recover. I will not sell bonds and buy stocks. But I will rebalance the other direction. If stocks are up a good amount, I will sell stocks and rebalance into bonds to m...
by 1210sda
Mon Feb 04, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is anyone planning on using TurboTax Basic for 2018 taxes?
Replies: 12
Views: 1167

Re: Is anyone planning on using TurboTax Basic for 2018 taxes?

joe8d wrote:
Mon Feb 04, 2019 8:10 pm
It does not support the foreign tax credit.
I have TurboTax Basic on a CD. It supports Form 1116.(Foreign Tax Credit)

Which version are you using?

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by 1210sda
Mon Feb 04, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Is anyone planning on using TurboTax Basic for 2018 taxes?
Replies: 12
Views: 1167

Is anyone planning on using TurboTax Basic for 2018 taxes?

With the bigger standard deduction (compared to 2017) from the Tax Cut and Jobs Act, will you be able to use Basic ?
If not, why not?

Thanks
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by 1210sda
Sun Feb 03, 2019 11:29 am
Forum: Investing - Theory, News & General
Topic: "House Rules," Clements on the finances of homeownership
Replies: 63
Views: 6814

Re: "House Rules," Clements on the finances of homeownership

I missing some basic math here. In the example under "6. The benefits of leverage are often offset by the cost of leverage", how is the home equity of $120,000 calculated? Let’s say we might put down $30,000 on a $300,000 home. If the home’s price rises 30% to $390,000, our home equity would soar 3...
by 1210sda
Tue Jan 29, 2019 3:24 pm
Forum: Investing - Theory, News & General
Topic: WSJ Letter on Indexing and Bogleheads
Replies: 46
Views: 4651

Re: WSJ Letter on Indexing and Bogleheads

Kind of hilarious that he calls the fact that Vanguard does not research its stock picks a "secret." That's the entire point of an index fund :oops: Also pretty silly to cite a single fund's outperformance as "proof" that active management works. You could have put your entire portfolio in Amazon 2...
by 1210sda
Tue Jan 29, 2019 11:14 am
Forum: Personal Investments
Topic: Risk comparison: VMMXX vs VMFXX vs VUSXX?
Replies: 23
Views: 2873

Re: Risk comparison: VMMXX vs VMFXX vs VUSXX?

LongTermEtfHolder wrote:
Tue Jan 29, 2019 10:22 am
VMMXX: 2.51% (2.57% if you get the Admiral shares under the symbol VMRXX)
VMRXX has a $5,000,000.00 minimum!
by 1210sda
Thu Jan 17, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 158
Views: 16005

Re: ode to St. Jack

Thanks so much for sharing, Larry. Enjoyed seeing the framed, handwritten note from Jack.
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by 1210sda
Wed Jan 16, 2019 5:32 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 50843

Re: John Bogle is dead at 89

My heart sank and became very heavy when I heard. You know it's inevitable for all of us, but still you hope it won't happen.

God bless you Jack.

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by 1210sda
Thu Jan 10, 2019 5:52 pm
Forum: Investing - Theory, News & General
Topic: January "Bogleheads on Investing" podcast with Gus Sauter now available
Replies: 32
Views: 3426

Re: January "Bogleheads on Investing" podcast with Gus Sauter now available

Great interview. Thanks Rick.

Particularly liked Gus' comment that Vanguard's indexing is based more on "Sharpe Math" than on EMH.

Also interesting was hearing that Gus feels an investor should have a home country bias.

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by 1210sda
Wed Jan 02, 2019 8:30 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 712
Views: 118618

Re: High Earners - What's Your Profession?

Retired

Megacorp.
by 1210sda
Sat Dec 22, 2018 8:41 am
Forum: Personal Investments
Topic: The 4% rule
Replies: 71
Views: 6709

Re: The 4% rule

Thanks for starting this thread.

Anytime I start to forget the 4% "rule", I'll just refer back to this thread.
by 1210sda
Sun Dec 16, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: 2018 Nissan Altima: $6,000 in dealer and Mfg incentives, can you still haggle?
Replies: 2
Views: 442

2018 Nissan Altima: $6,000 in dealer and Mfg incentives, can you still haggle?

A local Nissan dealer has several Altima 2.5S with MSRP of $25,000 which are being sold for $19,000. $3,000 is the local dealer's discount and $3,000 is a manufacturer's rebate. Do you think there is still room for haggling a lower price? Has anyone been able to negotiate a lower price when discount...
by 1210sda
Sat Dec 15, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Law school without practicing law
Replies: 79
Views: 6050

Re: Law school without practicing law

Very interesting and informative thread

OP, thanks for posting. Hope you find your answer among all the input you have received.

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by 1210sda
Sun Dec 09, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Wills, Estates and Trusts
Replies: 28
Views: 2701

Re: Wills, Estates and Trusts

Bruce you stated: "Of course in order for the revocable trust to work for this purpose, the other person has to be a currently acting trustee, not merely a successor trustee. What should one do in the following scenario: 1.Husband and Wife are co-trustees. 2. Daughter is the successor trustee 3.Husb...
by 1210sda
Sun Dec 09, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Wills, Estates and Trusts
Replies: 28
Views: 2701

Re: Wills, Estates and Trusts

A major advantage of a living trust comes while you are alive. It can be far easier for the trustee of your trust to manage your affairs if you become incapacitated than for someone to do it under a durable power of attorney. Once you are dead avoiding probate is simply a nice bonus. It can be a bi...
by 1210sda
Mon Dec 03, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Harvesting with Vanguard Short Term Investment Grade Bond Fund Admiral
Replies: 5
Views: 484

Tax Loss Harvesting with Vanguard Short Term Investment Grade Bond Fund Admiral

I have approximately $150,000 in VFSUX with about a $3,000 loss,i.e. a current cost basis of $153,000 . (Yielding 3.44%) 1. Which Vanguard fund should I use as the substitute fund for the next 30 days to avoid having a wash sale? The best yield that I can find is VSGDX (Vanguard Short Term Federal F...