Search found 354 matches

by RCL
Fri Jul 19, 2019 4:29 pm
Forum: Personal Investments
Topic: Starting Roth IRA
Replies: 20
Views: 721

Re: Starting Roth IRA

Thank you all for the humbling advice, I think I should just stick with the safe plan and go with a total stock market fund porfolio. I think i might have gotten a little ahead of myself, but that is why im here I think your future self will be glad you made this decision. Congrats. on starting ear...
by RCL
Sun Jul 14, 2019 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Rebalance portfolio vs Tax bracket & Medicare part B premium
Replies: 13
Views: 554

Re: Rebalance portfolio vs Tax bracket & Medicare part B premium

Is there a reason you need to do this in a hurry?
I, for sure, would not up my tax bracket and Medicare premiums for the sake of changing my asset allocation.
I would just do a little at a time.
by RCL
Mon Jul 08, 2019 9:12 pm
Forum: Personal Investments
Topic: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?
Replies: 11
Views: 1417

Re: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?

My holding in each mutual fund are not equal dollars but the TISMI dividends are that much higher (3.8 times) if the 2 funds had the same dollars in them. Maybe the dividends are so different because of the number of shares you own are not proportional? I say this because you mentioned dollars and ...
by RCL
Thu Jun 06, 2019 5:29 pm
Forum: Personal Investments
Topic: why are Small Caps falling?
Replies: 118
Views: 10511

Re: why are Small Caps falling?

stocknoob4111 wrote:
Thu Jun 06, 2019 4:18 pm
I'm actually comparing it to the all time highs.
I don't think comparing anything to an all time high or all time low has meaning.
I know, I know, things like "we are in a correction" use this criteria....to me, an all time high or all time low is just an anomaly.
by RCL
Mon Jun 03, 2019 7:30 pm
Forum: Personal Investments
Topic: Intermediate Bond Fund in Taxable?
Replies: 9
Views: 1040

Re: Intermediate Bond Fund in Taxable?

You probably already know this, But Fidelity FSKAX Total Market Index has been paying LTGC & STCG distributions lately. So IMO, it is not the best to have this in taxable. Some here will say it's a small amount, but hey, it all adds up
by RCL
Sat Jun 01, 2019 5:17 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 10271

Re: How did you all do in the month of May, 2019

DanMahowny wrote:
Sat Jun 01, 2019 4:33 pm
randybobandy wrote:
Sat Jun 01, 2019 4:15 pm
My first child was born and my wife stopped working. Big smile on my face, life is good..though the wallet feels a bit light.
That's a good month. Congrats to you guys.
+1 on this...it's good when life is good!
by RCL
Sat Jun 01, 2019 3:30 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 10271

Re: How did you all do in the month of May, 2019

ruralavalon wrote:
Sat Jun 01, 2019 12:40 pm
Hockey10 wrote:
Sat Jun 01, 2019 12:10 pm
nisiprius wrote:
Sat Jun 01, 2019 4:46 am
I don't know and I don't care.
My thoughts exactly.
But you made me look :( .

Down 2.59%, not necessarily as nearly as bad as it sounds on the news.
Rats, made me look as well..
My overall portfolio was down .52%
Yes, I'm retired and very conservative
by RCL
Fri May 31, 2019 5:03 pm
Forum: Personal Investments
Topic: Affect on 401K on During Stock Market Downturn When No Longer Contributing
Replies: 6
Views: 795

Re: Affect on 401K on During Stock Market Downturn When No Longer Contributing

Hi, and welcome to the forum :happy In a downturn market, if your dividends and/or capital gains are being paid and reinvested also in a downturn market, then you are buying those shares at a discounted price from when the market was at a high. So, yes, those additional shares could rise exponential...
by RCL
Fri May 31, 2019 1:02 pm
Forum: Personal Investments
Topic: Is VMFXX better than VMMXX now?
Replies: 28
Views: 2804

Re: Is VMFXX better than VMMXX now?

Edit:I forgot to use the quotes Walletless: I'll try to answer this, as I struggled with this recently. Don't take this for the gospel truth..make sure you do your own research. My Vanguard 1099 only shows Interest paid me for securities like the Federal Money Market as Ordinary Dividends. To remove...
by RCL
Fri May 24, 2019 7:38 pm
Forum: Personal Consumer Issues
Topic: New furnace and air conditioner
Replies: 22
Views: 2335

Re: New furnace and air conditioner

Go with a high SEER unit multistage/variable. You already mentioned your awareness of the extra needs, ducting wise, if you go a high efficiency heater. Sounds like your place has reasonable insulation if your winter gas bill is only $100. So I would consider the less efficient furnace. Heck, here i...
by RCL
Wed May 22, 2019 8:47 pm
Forum: Personal Investments
Topic: Frozen by uncertainty, really want to unfreeze
Replies: 34
Views: 3337

Re: Frozen by uncertainty, really want to unfreeze

Please take your time with this. There is no real reason to be in a hurry. You have come to a great place to ask your questions. The collective knowledge base here is staggering! It will take you some time just to read through the already recommended links and suggestions, which will probably spur e...
by RCL
Wed May 08, 2019 12:04 pm
Forum: Personal Investments
Topic: Strategy for Selling Appreciated Stocks
Replies: 11
Views: 1013

Re: Strategy for Selling Appreciated Stocks

OP, you may have a little more "wiggle" room than you think as far as the 0% tax rate on capital gains & dividends.
I think the 0% numbers for 2019 married filing joint is $78,750... up from $77,200 for 2018
by RCL
Wed Apr 24, 2019 6:51 pm
Forum: Personal Investments
Topic: What to do? Sitting on the bench since October
Replies: 66
Views: 7356

Re: What to do? Sitting on the bench since October

At least the OP has made some pretty good interest in the MM since then
by RCL
Wed Apr 17, 2019 3:59 pm
Forum: Personal Investments
Topic: Capital Gains and Long Term Stock Holdings
Replies: 12
Views: 754

Re: Capital Gains and Long Term Stock Holdings

Welcome to the site :sharebeer
How long ago did you inherit them?
I'm thinking the cost basis should have been reset to the current share value the day (or so) the day you inherited them.
This would effectively wipe out all capital gains
by RCL
Tue Apr 16, 2019 11:46 am
Forum: Personal Investments
Topic: Itemized deduction for CA Taxes
Replies: 11
Views: 1098

Re: Itemized deduction for CA Taxes

1) Is it true if you did not itemize the prior year(on Fed return) and received a state tax refund, that refund does not have to be included as income on the next years state return? 2)If the above is true, how does one handle the 1099-G that you receive....is there a way of notifying the IRS via t...
by RCL
Tue Apr 16, 2019 12:17 am
Forum: Personal Investments
Topic: Itemized deduction for CA Taxes
Replies: 11
Views: 1098

Re: Itemized deduction for CA Taxes

Is it true if you did not itemize the prior year and received a state tax refund, that refund does not have to be included as income on the next years state return? If the above is true, how does one handle the 1099-G that you receive....is there a way of notifying the IRS via the return that you ar...
by RCL
Sun Apr 07, 2019 4:35 pm
Forum: Personal Investments
Topic: Lowering my tax bracket
Replies: 6
Views: 928

Re: Lowering my tax bracket

ispepsiok, regarding contributions lowering your Social Security earned income; Quirkz is correct. You can verify yourself if you have your W-2. Observe that Box 1 is where reported wages etc. are reported. This number already has your contributions subtracted from your gross pay. Observe that Box 3...
by RCL
Thu Apr 04, 2019 8:09 pm
Forum: Personal Investments
Topic: Long term capital gains question.
Replies: 8
Views: 1135

Re: Long term capital gains question.

Have you considered what your two different options would do to your state tax?
by RCL
Mon Apr 01, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: Wood vs Laminate Flooring
Replies: 56
Views: 4300

Re: Wood vs Laminate Flooring

I had GemCore (Ruby Collection) by Reward installed. It's a 100% waterproof Stone composite hybrid (>= 70% stone) called Stone Composite Flooring (SCF). Waterproof was required because of bath/shower area as one of the rooms done and didn't want any transitions between rooms. Lifetime structural all...
by RCL
Tue Mar 26, 2019 8:58 pm
Forum: Personal Investments
Topic: CD ladder, intermediate-term bond fund, or money market for safety in Fidelity HSA?
Replies: 11
Views: 776

Re: CD ladder, intermediate-term bond fund, or money market for safety in Fidelity HSA?

I'm certainly not an expert when understanding bond funds, but understand that when you buy a bond fund of (x) number of years duration, the fund is made up of bonds with many different durations. The maturing bonds that make up that fund are constantly being replaced with newer bonds, also of vario...
by RCL
Thu Mar 21, 2019 3:39 pm
Forum: Personal Investments
Topic: Role of Pensions and Social Security in Asset Allocation
Replies: 147
Views: 7105

Re: Role of Pensions and Social Security in Asset Allocation

Put me in the camp where Pensions and Social Security are projected income and should be compared to projected spending before deciding what to do with the allocation of investment assets. For me: If projected income is greater than projected spending then my AA decision is more dependent on what I...
by RCL
Fri Mar 15, 2019 4:05 pm
Forum: Personal Investments
Topic: Today's 10 year Treasury movement
Replies: 18
Views: 2270

Re: Today's 10 year Treasury movement

The usual, fears of economic growth slowing. The bond market is more bearish than the stock market at the moment. Also, today is a quadruple witching day, and strange behavior is known to happen in high volume on quadruple witching days. I would wait until next week to see what happens before think...
by RCL
Fri Mar 15, 2019 2:04 pm
Forum: Personal Investments
Topic: Today's 10 year Treasury movement
Replies: 18
Views: 2270

Today's 10 year Treasury movement

Anybody know what might be up with this? (Yield Down over 1%)
oops, Corrected title from bond to Treasury
by RCL
Mon Mar 11, 2019 5:50 pm
Forum: Personal Investments
Topic: Thoughts on VNQ? [Vanguard Real Estate ETF]
Replies: 39
Views: 4182

Re: Thoughts on VNQ? [Vanguard Real Estate ETF]

+1 ^^^ on not a good idea to hold in taxable :thumbsup
by RCL
Fri Mar 01, 2019 1:05 am
Forum: Personal Investments
Topic: What did wise people do with their investments in 2008
Replies: 102
Views: 7594

Re: What did wise people do with their investments in 2008

Not that I was wise, but didn't sell anything and tried to buy more when extra $$ were available
by RCL
Thu Feb 28, 2019 7:08 pm
Forum: Personal Investments
Topic: Want no interest, dividends or distributions in 2019
Replies: 45
Views: 4483

Re: Want no interest, dividends or distributions in 2019

Tax Exempt municipal bond funds from your state?
by RCL
Tue Feb 19, 2019 1:01 am
Forum: Personal Investments
Topic: strategy to re-enter the market
Replies: 47
Views: 4301

Re: strategy to re-enter the market

livesoft wrote:
Mon Feb 18, 2019 10:50 pm
Whatever strategy is used, a part of it should be to call the current market "normal" all the time, no matter what.
+1000 totally agree with this
by RCL
Mon Feb 11, 2019 1:01 am
Forum: Personal Investments
Topic: Muni Fund- tax exemption change ?
Replies: 4
Views: 485

Re: Muni Fund- tax exemption change ?

California's percentage is 50% to be State Exempt
by RCL
Fri Feb 08, 2019 12:59 am
Forum: Personal Finance (Not Investing)
Topic: It's tax time in California so need some help
Replies: 9
Views: 1228

Re: It's tax time in California so need some help

[/quote] CA-540 instructions say the following: "Line 5a – State and Local Taxes California does not allow a deduction for state and local income tax (including limited partnership tax and income or franchise tax paid by corporations) and State Disability Insurance (SDI) or state and local general s...
by RCL
Thu Feb 07, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: It's tax time in California so need some help
Replies: 9
Views: 1228

Re: It's tax time in California so need some help

....................................................................... Schedule CA (540) California Adjustments column B(subtractions) and column C(additions) is used to make the needed corrections to satisfy the state requirements. I have no problems with most of the subtractions or additions wit...
by RCL
Thu Feb 07, 2019 2:28 am
Forum: Personal Finance (Not Investing)
Topic: It's tax time in California so need some help
Replies: 9
Views: 1228

It's tax time in California so need some help

Hi group I've been trying to figure out my Ca. state tax forms and after a whole day, can't figure out some things about it. Taxes can be complicated, so I apologize for this lengthy post in advance. The short route if you don't want to read this long post.... Where do I enter any Ca. SDI taxes with...
by RCL
Thu Jan 24, 2019 6:49 pm
Forum: Personal Investments
Topic: Comparing ST Corp with Int Term Muni in Taxable
Replies: 6
Views: 378

Re: Comparing ST Corp with Int Term Muni in Taxable

louie, do you also have state taxes
by RCL
Wed Jan 16, 2019 12:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Group holds about $415 million of municipal bonds issued on behalf of PG&E Corp.
Replies: 11
Views: 2612

Re: Vanguard Group holds about $415 million of municipal bonds issued on behalf of PG&E Corp.

Looks like the general consensus here is Vanguard customers will probably not notice anything different if they own Ca Muni's.

On another note, it looks like PG&E is being dropped from the S&P500 on Jan 18th
by RCL
Tue Jan 15, 2019 2:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard Group holds about $415 million of municipal bonds issued on behalf of PG&E Corp.
Replies: 11
Views: 2612

Vanguard Group holds about $415 million of municipal bonds issued on behalf of PG&E Corp.

Just read this story about V.G. and it's stake in PG & E's pending bankruptcy problems. It's over my head :oops: Any ideas what effect this may have on any of the municipal bond funds that have a large portion of PG & E? For those that don't know, PG & E (Pacific Gas & Electric) has reportedly been ...
by RCL
Sat Jan 12, 2019 1:52 am
Forum: Personal Investments
Topic: VCAIX to VCTXX
Replies: 6
Views: 676

Re: VCAIX to VCTXX

kmn99 wrote:
Sat Jan 12, 2019 1:50 am
Just wanted to confirm that
Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) will be OKAY as TLH partner for VCAIX(Vanguard California Intermediate-Term Tax-Exempt Fund Investor Shares) .
No problems here. One is state specific fund and the other is a national fund
by RCL
Mon Jan 07, 2019 1:27 pm
Forum: Personal Investments
Topic: Technical issues with Vanguard
Replies: 14
Views: 1759

Re: Technical issues with Vanguard

Well, no, in the recent past there were separate stock and bond pie pieces, and the Fidelity mutual funds were included with the Vanguards —- all of this done by Vanguard . Sometime within the last few weeks the Fidelity were put in a separate “Other” piece. Maybe because my outside investment are ...
by RCL
Sun Jan 06, 2019 2:26 am
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8648

Re: What Do You Spend The Most On Annually?

Taxes
Insurance Auto,Home, Earthquake
Healthcare
by RCL
Wed Jan 02, 2019 2:44 pm
Forum: Personal Investments
Topic: Quick question about "fixed" portion
Replies: 12
Views: 556

Re: Quick question about "fixed" portion

Phineas J. Whoopee wrote:
Wed Jan 02, 2019 2:30 pm
RCL wrote:
Wed Jan 02, 2019 2:20 pm
What about a Stable Value Plan? Does that go under Fixed as well? It's sort of Bond like?
Yes, absolutely. Stable Value Funds or Plans have their own risks, but they're much more low-risk low-return like than equities.

PJW
Thank you
by RCL
Wed Jan 02, 2019 2:20 pm
Forum: Personal Investments
Topic: Quick question about "fixed" portion
Replies: 12
Views: 556

Re: Quick question about "fixed" portion

What about a Stable Value Plan? Does that go under Fixed as well? It's sort of Bond like?
by RCL
Sun Dec 23, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help with RMD
Replies: 30
Views: 2361

Re: Help with RMD

I have another add-on question that might be of interest to the OP. Assume the first year an RMD is required is 2019. Assume you won't reach 70.5 yrs age until late in 2019. Also assume you will take the 2019 RMD in 2019 and not delay it until 2020 The question.. If you take any distributions during...
by RCL
Sun Dec 23, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: MIL looking for a large "luxury" sedan
Replies: 51
Views: 5227

Re: MIL looking for a large "luxury" sedan

If going used, a 4 year old Acura RLX has massive room inside, especially in the back seat area. I think they can be found in your stated price range.
by RCL
Sat Dec 22, 2018 10:42 pm
Forum: Personal Investments
Topic: Boeing-time to buy?
Replies: 58
Views: 7771

Re: Boeing-time to buy?

The help was there,.... you just chose to not agree with it.
Good luck with your style of investing; most of us here are not successful following the individual stock buying path.
by RCL
Thu Dec 20, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 255
Views: 24190

Re: Whose buying today? where's all the "dry powder" folks at? :)

The U.S. is insolvent (by their own reported accounting) and cannot pay back it's debts. Not now, not ever. Does that sound prosperous to you? Insolvent means unable to pay existing liabilities. Has the govt missed making a bond payment or non-discretionary budget expense payment? Deficits are grea...
by RCL
Thu Dec 20, 2018 1:35 am
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 66
Views: 4702

Re: Recommend Chrome ad-blocker

I have varying success across platforms. On chrome on my Windows 10 PC, ublock origin works great. I also have an auto play blocker, (can't remember the name) and it's a good comb. The same set up works fairly well on Chrome on my chromebook, but more stuff gets through. But with chrome on my Samsu...
by RCL
Fri Dec 07, 2018 1:47 am
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 72
Views: 6001

Re: portable jump starters

Whether you should get one? If you are in doubt, you could go get your battery tested. Many auto parts stores, including Walmart auto centers, will test your battery and alternator for free. For ~$16, you could also test it yourself with a load tester like this one: https://www.amazon.com/Schumache...
by RCL
Thu Dec 06, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 13408

Re: Who else is getting excited?

Well, for me, my required 2019 RMD amount based on 12-31-18 balances, will probably be lower :o ...but I don't call that event very exciting. On the other hand, my taxable accounts, (mostly munis), and my stable value plan, Cd's, etc. are doing what they are designed to do....Happy about this, but s...
by RCL
Wed Nov 28, 2018 9:01 pm
Forum: Personal Investments
Topic: TLH (tax loss harvest) Question when TLH Partner Gains
Replies: 6
Views: 655

Re: TLH (tax loss harvest) Question when TLH Partner Gains

I don't know the answer to your question.
What I do know is when you pick a TL partner, you are supposed to pick one that you wouldn't mind keeping in your portfolio (just in case something like this happens)
by RCL
Wed Nov 21, 2018 7:09 pm
Forum: Personal Investments
Topic: My Name is Paul, and I am a Larimore Boglehead
Replies: 19
Views: 4780

Re: My Name is Paul, and I am a Larimore Boglehead

retiredjg wrote:
Wed Nov 21, 2018 8:31 am
Taylor Larimore wrote:
Tue Nov 20, 2018 6:58 pm
ROADMAP FOR INVESTING SUCCESS
Another vote for the Roadmap! Simple and effective.
+1.........Had not seen this before. Wonderful read, thanks Paul
by RCL
Wed Nov 14, 2018 4:02 pm
Forum: Personal Investments
Topic: VBTLX vs. Vanguard Federal Money Market Fund
Replies: 13
Views: 1879

Re: VBTLX vs. Vanguard Federal Money Market Fund

Snipped: I'm 62, and will probably be retiring in the next 3 years. My bond holdings are about 40% of my portfolio. So, my question is - as long as it looks like there will be incremental interest rate hikes by the FED, is there a compelling reason to leave these funds in VBTLX, vs. placing them in...
by RCL
Sun Nov 11, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9651

Re: retirement travel: RVs vs fly/drive/hotel

Nobody seems to mention the cost of the tow vehicle for a trailer or 5th wheel, replacement of tires, replacement batteries, vehicle registration, etc. Not to mention storage costs, repairs of just about everything inside the RV, and the occasional oops moment when you run into something you couldn'...