Search found 1286 matches

by 1210sda
Mon Feb 19, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 135
Views: 11295

Re: Retirees: The common sense withdrawal method

At 71 years young , Taylor Larimore's method has worked very well for me in retirement. I think of it as "common sense" and a 'keep-it-simple-stupid' (KISS) combined approach. Bottom line- What works for me might not work for others, so I suggest the naysayers of'Taylor's method do it there way and...
by 1210sda
Tue Jan 30, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Account Permissions Page on Vanguard website: CONFUSING
Replies: 5
Views: 460

Re: Account Permissions Page on Vanguard website: CONFUSING

Does anyone else find this page confusing? So much redundancy. On one section I have "Full Authority". Below that I have "Transact Authority" and even farther down I have "View Only" authority.....all on the same account. To overcome my lack of confidence in the granted authorities, I'm going to tr...
by 1210sda
Mon Jan 29, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Account Permissions Page on Vanguard website: CONFUSING
Replies: 5
Views: 460

Account Permissions Page on Vanguard website: CONFUSING

Does anyone else find this page confusing? So much redundancy. On one section I have "Full Authority". Below that I have "Transact Authority" and even farther down I have "View Only" authority.....all on the same account. To overcome my lack of confidence in the granted authorities, I'm going to tra...
by 1210sda
Mon Jan 29, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Any 2018 Tax Estimator Sites?
Replies: 8
Views: 1013

Re: Any 2018 Tax Estimator Sites?

Not on the web, but Turbo Tax Deluxe has a "What if" function that does that.

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by 1210sda
Mon Jan 29, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 431
Views: 33948

Re: What frugal thing did you do today?

I don't mind looking maybe not "poor", but at least "not rich".

It's part of my backup Umbrella Liability Policy. :D

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by 1210sda
Sun Jan 28, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 8709

Re: WHY do wireless routers need periodic reboots?

You've chosen a poor quality router. A bit of research can help you find a reliable one. It's not necessary to buy a high end consumer router or to buy a commercial quality one to get a reliable one. I paid $50 and mine is reliable. What's the brand and model of your $50 reliable router. Need to ge...
by 1210sda
Wed Jan 24, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: The Money Show - Coming to a Town near you
Replies: 12
Views: 1283

Re: The Money Show - Coming to a Town near you

Years ago, when Jack Bogle was the keynote speaker at the Money Show in Orlando, the Money Show folks invited us to have our Bogleheads group attend. Since it was on rather short notice, we made it an "unofficial" Bogleheads Conference, and thus isn't included in the official Bogleheads Conference ...
by 1210sda
Sun Jan 21, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Met with a CFP, not too impressed.
Replies: 53
Views: 9213

Re: Met with a CFP, not too impressed.

UPDATE: After reading Mel Lindauer's post I went to Allan S. Roth's website. I'm am now pulling together data needed so they can review our situation and tell us what they may be able to do for us. I thank every one for their input. Best wishes MrMojoRisin Can you tell us about your experience with...
by 1210sda
Sat Jan 20, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: Fear of dying with too much money?
Replies: 137
Views: 8314

Re: Fear of dying with too much money?

Personally, if my portfolio tripled over the course of the first 20 years of retirement, I believe that fear would become very real for me. With a 4%WR, and a linear (i.e. no sequence of returns effect) 9.25% cagr for 20 years and you would triple your beginning portfolio. :sharebeer :moneybag 1210
by 1210sda
Sat Jan 20, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Money Chimp has a Tax Calculator that figures QDI for Tax year 2018
Replies: 11
Views: 1611

Re: Money Chimp has a Tax Calculator that figures QDI for Tax year 2018

Update from OP. (For those who have Turbo Tax 2017) Just checked my TurboTax 2017 (Deluxe). The "What If" worksheet has been updated to reflect the changes in the new tax bill. New standard deduction, no personal exemptions, new tax brackets, etc. 1210 Hey, thanks for the heads up! I've been waitin...
by 1210sda
Fri Jan 19, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Money Chimp has a Tax Calculator that figures QDI for Tax year 2018
Replies: 11
Views: 1611

Re: Money Chimp has a Tax Calculator that figures QDI for Tax year 2018

arcticpineapplecorp. wrote:
Fri Jan 19, 2018 6:25 pm
this one compares 2017 to 2018 and does take the extra deduction for 65+ into consideration:
http://taxplancalculator.com/
Tax Plan Calculator does not consider qualified dividend income or l/t capital gains.
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by 1210sda
Fri Jan 19, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Money Chimp has a Tax Calculator that figures QDI for Tax year 2018
Replies: 11
Views: 1611

Re: Money Chimp has a Tax Calculator that figures QDI for Tax year 2018

Update from OP. (For those who have Turbo Tax 2017)

Just checked my TurboTax 2017 (Deluxe).

The "What If" worksheet has been updated to reflect the changes in the new tax bill. New standard deduction, no personal exemptions, new tax brackets, etc.

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by 1210sda
Fri Jan 19, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1258

Re: Yahoo Mail: Delete Not Working

Update from OP. Last night, 6 days after my Yahoo mail went bonkers, it was miraculously restored. I am back to normal. No more jerry rigged approaches. I hope that if someone encounters this type of problem in the future, they'll know that it likely will be resolved in just a few (but frustrating) ...
by 1210sda
Thu Jan 18, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: 1,000th post and a 'No-Fail' Retirement Formula
Replies: 50
Views: 4664

Re: 1,000th post and a 'No-Fail' Retirement Formula

TravelforFun wrote:
Wed Jan 17, 2018 10:04 pm
P = Xn + (X-SS) ÷ 0.03
Very nice for a quick estimate.

It would be less confusing to me if the formula were written:

P = Xn + ((X-SS) / 0.03)

Sorry, I don't have a divide sign on my keyboard. "/" means divide.

Unless I misread it. :confused

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by 1210sda
Tue Jan 16, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 123
Views: 15411

Re: GE and the myth of "safe blue-chip stocks"

Is this correct?? Vanguards Total Stock Market Index Fund (VTSAX) has only market risk. GE (or any individual stock) has both market risk and Individual company risk (or unsystematic risk, or idiosyncratic risk). 1210 I don't think that's correct. VTSAX has the individual companies in it - so, it h...
by 1210sda
Tue Jan 16, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 123
Views: 15411

Re: GE and the myth of "safe blue-chip stocks"

Is this correct??

Vanguards Total Stock Market Index Fund (VTSAX) has only market risk.

GE (or any individual stock) has both market risk and Individual company risk (or unsystematic risk, or idiosyncratic risk).

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by 1210sda
Mon Jan 15, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Money Chimp has a Tax Calculator that figures QDI for Tax year 2018
Replies: 11
Views: 1611

Money Chimp has a Tax Calculator that figures QDI for Tax year 2018

Money chimp now has a tax calculator for your 2018 taxes that includes qualified dividend income (QDI) and long term capital gains. It's pretty good, but does not include the extra standard deduction for over age 65 and does not calculate your taxable social security benefit if you receive one. But,...
by 1210sda
Sun Jan 14, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 33
Views: 2296

Re: Vanguard Personal Advisory Services Fees

No question if everything is in tax-deferred (IRA) or tax-free (Roth) space a single Life-Strategy or similar fund would be the easiest/smartest/cheapest thing to do. If there is a significant taxable portion to the investments with large unrealized capital gains, then the management would be more ...
by 1210sda
Sat Jan 13, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 33
Views: 2296

Re: Vanguard Personal Advisory Services Fees

Two points. 1. Schwab Intelligent Advisory has a 28bps fee per annum. The best part is that they "cap" the fees at $900 per quarter. If someone has a very large portfolio, they could benefit quit a bit from this. ($900 x 4 = $3,600 per year). If you have a portfolio of $3,600,000, the $3,600 would o...
by 1210sda
Sat Jan 13, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1258

Re: Yahoo Mail: Delete Not Working

OP with an update.... You're not gonna believe this!! I now have full access to my yahoo mail. By tinkering around, I found a way around my problem. I go to my yahoo mail homepage. Then I click on my "contacts" icon. Once I'm in "contacts", I click on that page's "Mail" icon. Voila, there it is. All...
by 1210sda
Sat Jan 13, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: What forms are required to support a Qualified Charitable Distribution?
Replies: 5
Views: 254

What forms are required to support a Qualified Charitable Distribution?

I believe that Vanguard (if that's where you have your IRA) will send you a 1099-R showing the amount distributed, coded "7" Normal Distribution. This amount is to be entered on line 15a of Form 1040. Then, on line 15b of the 1040, you enter the taxable amount. This amount is your gross distribution...
by 1210sda
Sat Jan 13, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1258

Re: Yahoo Mail: Delete Not Working

would re-installing Yahoo mail help ? 1210 There's nothing installed on your PC for Yahoo mail. It runs entirely on Yahoo servers, accessed through whichever browser you're using. In that case, can Chrome be re installed. Obviously, I'm willing to try anything. Thank God for my cell phone. At least...
by 1210sda
Sat Jan 13, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1258

Re: Yahoo Mail: Delete Not Working

would re-installing Yahoo mail help ?
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by 1210sda
Fri Jan 12, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1258

Re: Yahoo Mail: Delete Not Working

zuzimb wrote:
Fri Jan 12, 2018 6:34 pm
About 1.5/2 weeks later everything started working properly again. No clue what the issue was but I'll be transitioning to another service as my main email.
On it's own??

So I may have to wait up to 2 weeks.....Arrrggghh!

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by 1210sda
Fri Jan 12, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1258

Re: Yahoo Mail: Delete Not Working

OP here. I am using Chrome as my browser.

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by 1210sda
Fri Jan 12, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1258

Yahoo Mail: Delete Not Working

Anybody else having trouble with Yahoo mail on their pc (Windows 10) I am not able to delete emails. When I try to put a checkmark on an email so as to delete it, instead of getting the check mark, it opens the email. I've tried hovering over the trash icon, but it won't work either. I've tried re b...
by 1210sda
Mon Jan 08, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 35008

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Very interesting Will.

Where did you get your data? (Returns and Inflation).

Also, did you assume no cutting back on spending in the down years?

Thank you

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by 1210sda
Sat Jan 06, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: Does the 3 fund portfolio seem somewhat flawed?
Replies: 79
Views: 6178

Re: Does the 3 fund portfolio seem somewhat flawed?

The market portfolio is special. It is not just an arbitrary choice. There are theorems in financial economics that says that given a number of assumptions (that may not be true in the real world), the market portfolio is mean-variance optimum, meaning it that it has the highest possible amount of ...
by 1210sda
Fri Jan 05, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting w/ Vanguard & getting that money reinvested
Replies: 14
Views: 1490

Re: Tax gain harvesting w/ Vanguard & getting that money reinvested

The mutual fund sale proceeds will certainly be available the next day. I would not worry about "available to trade." Try this: Set up an automatic investment RIGHT NOW and tell us how it worked. You can ALWAYS cancel it or skip it. DO IT NOW! Livesoft, you are remarkable in the straightforward adv...
by 1210sda
Mon Jan 01, 2018 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH Fund - Stock or Bond?
Replies: 11
Views: 682

Re: ROTH Fund - Stock or Bond?

Depends. Let's say your have a $100,000 portfolio. 50% in taxable and 50% in tax advantaged, in this case, a Roth IRA. Your desired AA is 50% stocks and 50% bonds. If you wanted to put the $50,000 stocks in your Roth IRA, you would then have to put your $50,000 of bonds in your taxable account. Not ...
by 1210sda
Thu Dec 28, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: The Joys of Buying/Saving
Replies: 4
Views: 535

Re: The Joys of Buying/Saving

A relative of mine who "enjoys" spending once accused me of "hoarding" my money. :annoyed To each his own!

While I do enjoy saving and accumulating assets, I have no trouble spending in retirement. However, I am guided in my spending by the concept of "enough".

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by 1210sda
Thu Dec 28, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 132
Views: 8187

Re: What non fiction book will you be reading in 2018?

Whenever it becomes available, The Bogleheads Guide to the Three Fund Portfolio.
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by 1210sda
Wed Dec 27, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 12853

Re: Ally Bank 12 month CD now 2.00%

packet wrote:
Wed Dec 27, 2017 12:28 pm
My Ally savings account snuck up to 2.00% recently... why bother with a CD?
:beerCheers,
packet
Wow. My savings account at Ally is only 1.25%

Is yours a special type of account?

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by 1210sda
Mon Dec 25, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 6291

Re: How do Bogleheads save on eyeglasses?

gtd98765 wrote:
Mon Dec 18, 2017 4:00 pm
It's worth the $55 Costco membership even if you only buy one pair of glasses there.
Where I live, you don't even have to be a Costco member to buy glasses (same goes for pharmacy and lunch counter).
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by 1210sda
Mon Dec 25, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Federal tax estimator that includes Social Security income?
Replies: 21
Views: 2444

Re: Federal tax estimator that includes Social Security income?

I guess we just have to wait until they adjust the tax rates/tax brackets to reflect the new tax act.

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by 1210sda
Mon Dec 25, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 109
Views: 7768

Re: Will you donate less to Charity?

I will probably give more to charity. I used to itemize and deduct my contribution. But this year, and even later years with the new Tax act, I'm taking the standard deduction and giving to charity with QCD's. The QCD's come out of my IRA and not what I consider "current year spending", as was true ...
by 1210sda
Sun Dec 24, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 109
Views: 7768

Re: Use RMD from Traditional IRA

If you are over 59 &1/2 you can have your IRA withdrawal go directly to a charity and those dollars won't be taxed. I don't have a DAF I just call Vanguard and give them the details. They send me the checks made out to the charity with my name on them. What you're describing here sounds like a QCD,...
by 1210sda
Fri Dec 22, 2017 9:55 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 162
Views: 16646

Re: Bitcoin in Freefall

This is amazing to watch in real time. I'm not sure which way I'm rooting for - I don't have anything riding on the outcome. Probably a good thing for the investing public to be reminded that prices can't keep going up forever and there is no free lunch in investing. Down to 11,000 in the last 10 m...
by 1210sda
Thu Dec 21, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51111

Re: Tax Bill Omnibus Thread

I'm looking for a tax calculator that takes into account Qualified Dividend Income and LT Cap Gains. Any Suggestions 1210 Don't the standard tax programs like H&R Block do that? Sorry, I wasn't clear. I want one to estimate 2018 taxes under the new tax bill. Every calculator for the tax bill that I...
by 1210sda
Thu Dec 21, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51111

Re: Tax Bill Omnibus Thread

I'm looking for a tax calculator that takes into account Qualified Dividend Income and LT Cap Gains. Any Suggestions 1210 One thing to note, the bill about to be signed into law does not affect the tax brackets/thresholds for Qualified Dividend Income and LT Cap Gains. https://www.kitces.com/blog/f...
by 1210sda
Thu Dec 21, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51111

Re: Tax Bill Omnibus Thread

I'm looking for a tax calculator that takes into account Qualified Dividend Income and LT Cap Gains.

Any Suggestions

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by 1210sda
Tue Dec 19, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: The cost of excess cash in portfolio
Replies: 8
Views: 963

Re: The cost of excess cash in portfolio

However, that is not the whole story. You chose to compare some of your cash against your next-lowest-expected-return asset. You really have $100,000 in cash, and could, for example, compare it against stocks. $100,000 at 7.5% for 30 years becomes: $875,495 Thank you for the response. To clarify, I...
by 1210sda
Tue Dec 19, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: The cost of excess cash in portfolio
Replies: 8
Views: 963

The cost of excess cash in portfolio

Just doodling around with some numbers. Does this seem sound? I'm trying to calculate the "cost" of having a larger Cash allocation.(Using my assumptions, of course). Assumptions: Portfolio: $1,000,000 Residual Living Expenses(RLE): 25,000 per year Asset Allocation: 60/40 (Stocks/Bonds) Retired Expe...
by 1210sda
Fri Dec 15, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Reached 50X annual spending. Now what?
Replies: 56
Views: 6312

Re: Reached 50X annual spending. Now what?

I'm in a similar situation as the OP. Reading the various posts is good therapy for me. I need to spend/enjoy a little more. Hard to break the mold. I know I'll be re-reading this thread many times in the future.

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by 1210sda
Thu Dec 14, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: What is a Reasonable Retirement Cost of Living?
Replies: 47
Views: 5787

Re: What is a Reasonable Retirement Cost of Living?

You're 51 and plan to retire in 11 years at age 62. As has been already suggested, try to determine which expenses will drop off at (or by) retirement. Add up the ones that remain at retirement plus any new expenses that you anticipate. Then reduce that amount by your estimate of your social securit...
by 1210sda
Wed Dec 13, 2017 12:41 pm
Forum: Investing - Theory, News & General
Topic: Roger Ibbotson and ZebraEdge Annuity
Replies: 5
Views: 829

Re: Roger Ibbotson and ZebraEdge Annuity

Isn't Roger Ibbotson (along with Rex Sinquefield) the publisher of SBBI (Stocks, Bonds, Bills and Inflation)?
Or is that someone else?

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by 1210sda
Thu Dec 07, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 122
Views: 21016

Re: Where to buy a Vanguard hat? An Update and bad news

Sorry, I don't know how to copy a pdf image. But here are the items on it. 1. Baseball cap $8.99 2 Stainless steel mug $14.99 3. Note Cube $4.99 4. Pen $1.29 5. Small Black journal $14.99 6. Bistro mug $7.00 7. Copper insulated travel mug $15.99 8. Compact umbrella $12.99 9. Soft shell (looks like a...
by 1210sda
Wed Dec 06, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11922

Re: After financial independence, do you lose motivation for work?

For me the magic age was 45. At that point I increased my focus on FI. I was able to quit full time employment at age 50 and worked part time for the next 9 years. By 59, I was considerably over my target for FI. I reflect on age 45 and wonder what it was that started my initial "burn out". Don't re...
by 1210sda
Mon Dec 04, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 6184

Re: It's that time of year again... buying christmas gifts

You could tell people that in lieu of Christmas gifts, you will donate an amount to the charity of their choice. That's my default, not just for Christmas, but for many other events. People seem quite happy to do this. The Human Fund does great work. Ha Ha. Obviously a Seinfeld fan. Me too! :beer 1...
by 1210sda
Sun Dec 03, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Which RMD table does a surviving spouse use....
Replies: 5
Views: 526

Re: Which RMD table does a surviving spouse use....

All I want to know is which Table would DW use if I died and she inherited my Trad IRA? (I am currrently taking RMD's) 1. If I died before she is 70 1/2? Doing the spousal rollover is important here, because her RMDs will NOT begin until she reaches 70.5. If she keeps the IRA in inherited status, h...