Search found 1272 matches

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: 95
Views: 9949

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: 95
Views: 9949

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: 4
Views: 766

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: 2127

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: 2127

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: 23
Views: 1075

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: 205

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: 23
Views: 1075

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: 23
Views: 1075

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: 23
Views: 1075

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: 23
Views: 1075

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: 23
Views: 1075

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: 297
Views: 25081

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: 5956

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: 1456

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: 633

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: 512

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: 127
Views: 7496

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: 43
Views: 7626

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: 85
Views: 4839

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: 11
Views: 1226

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: 107
Views: 6871

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: 107
Views: 6871

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: 90
Views: 5838

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: 878
Views: 48544

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: 878
Views: 48544

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: 878
Views: 48544

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: 924

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: 924

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: 6227

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: 5567

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: 777

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: 110
Views: 18245

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: 11554

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: 6003

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: 509

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...
by 1210sda
Sun Dec 03, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Which RMD table does a surviving spouse use....
Replies: 5
Views: 509

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

After reading and re-reading Pub 590-B, I think I have if figured out. I want to use Table III, since it provides for smaller RMD's (you can always take out more if you want). 590-B states "Use Table III if you are the IRA owner and your spouse is NOT BOTH the sole designated beneficiary AND more th...
by 1210sda
Sun Dec 03, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Which RMD table does a surviving spouse use....
Replies: 5
Views: 509

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? 2. If I died after she turns 70 1/2. and already taking RMD's from her own Trad IRA? 1210 I've tried reading Pub 590-B. I still don't know the ans...
by 1210sda
Mon Nov 27, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: I have Microsoft Office 2007. Should I upgrade?
Replies: 37
Views: 1985

Re: I have Microsoft Office 2007. Should I upgrade?

sksbog wrote:
Mon Nov 27, 2017 6:23 pm
yes, absolutely.
the older versions you have (unsupported) , the more vulnerable you are, for being hacked.
I using one computer at home. Not connected to any network that I know of. Am I still at risk of being hacked??

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by 1210sda
Mon Nov 27, 2017 5:18 pm
Forum: Personal Consumer Issues
Topic: I have Microsoft Office 2007. Should I upgrade?
Replies: 37
Views: 1985

Re: I have Microsoft Office 2007. Should I upgrade?

I use Office 2007 on one computer and Open Office on another. I would just keep on using 2007 but if you feel the need Open Office is continually updated, virtually identical to office and is free. Thanks Bob, "virtually identical to office and is free." Sounds almost to good to be true. How do the...
by 1210sda
Mon Nov 27, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: I have Microsoft Office 2007. Should I upgrade?
Replies: 37
Views: 1985

I have Microsoft Office 2007. Should I upgrade?

I am using Microsoft Office Home and Student 2007. (primarily Excel and Word). I see where Microsoft offers upgrades every three years. (Office 2010, Office 2013 and Office 2016). I am satisfied with my current version. However, I wonder if I am missing out by not having a more recent version. I wou...
by 1210sda
Fri Nov 24, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 157
Views: 17963

Re: Chromebooks- What is the lure?

Can Chromebooks handle Excel or other spreadsheets?

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by 1210sda
Wed Nov 22, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: The 4% rule DOES fail but still makes sense!
Replies: 195
Views: 15619

Re: The 4% rule DOES fail but still makes sense!

Many thanks to ArtsDoctor for this: In order to answer your own questions, you'll need to understand the 1994 study on which the 4% SWR was originally calculated. Once you've actually looked into that study and subsequent studies, you'll see that there are many caveats. You can start with a variety...
by 1210sda
Tue Nov 21, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Microsoft account security alert email.....real or fake??
Replies: 15
Views: 924

Re: Microsoft account security alert email.....real or fake??

Thanks to all. Went directly to Micorsoft's website as suggested.

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by 1210sda
Tue Nov 21, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Microsoft account security alert email.....real or fake??
Replies: 15
Views: 924

Re: Microsoft account security alert email.....real or fake??

If you hover over the "recover account" link but DON'T click it, it will probably show a url (it will display in the lower left corner of the browser window when you hover over it; not sure how you do this if you're on a mobile device) that is clearly not from microsoft (although they probably drop...
by 1210sda
Tue Nov 21, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Microsoft account security alert email.....real or fake??
Replies: 15
Views: 924

Microsoft account security alert email.....real or fake??

I received an email this morning. "Microsoft account security alert". "We think that someone else might have accessed the Microsoft account xxxxxxxxx." (My email account) .

It has a "Recover Account" button, that I'm supposed to click on.

Being a good BH, I'm skeptical.

Need your help!

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by 1210sda
Thu Nov 16, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: The 4% rule DOES fail but still makes sense!
Replies: 195
Views: 15619

Re: The 4% rule DOES fail but still makes sense!

If someone could handle a low portfolio success probability say, 50% your SWR could be 6%. At a 33% success probability, SWR could be 7%. The likelihood of having a large portfolio at the end and leaving too much money on the table is greatly reduced. But many folks (most?) don't want to take that h...
by 1210sda
Thu Nov 16, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: The 4% rule DOES fail but still makes sense!
Replies: 195
Views: 15619

Re: The 4% rule DOES fail but still makes sense!

According to MC Retire , a monte carlo program by David Wilkinson (a colleague of Dr Bill Bernstein, I believe): If you use a 95% success probability, 5% of the portfolios will fail. The other 95% will succeed. The 95th percentile (or the 6th percentile if you count the opposite way) will just make ...
by 1210sda
Tue Nov 14, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 94
Views: 5427

Re: POAs may not be that powerful

Can you have more than one Full Agent Authorization, i.e a successor agent ??

Does it make sense?

Isn't this what many folks have with their DPOA's?

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