Search found 310 matches

by RCL
Fri Dec 07, 2018 1:47 am
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 58
Views: 4007

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: 12670

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: Investing - Help with Personal Investments
Topic: TLH (tax loss harvest) Question when TLH Partner Gains
Replies: 6
Views: 592

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: Investing - Help with Personal Investments
Topic: My Name is Paul, and I am a Larimore Boglehead
Replies: 19
Views: 4585

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: Investing - Help with Personal Investments
Topic: VBTLX vs. Vanguard Federal Money Market Fund
Replies: 13
Views: 1639

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: 9352

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'...
by RCL
Fri Nov 09, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6526

Re: Strategy during the last stock market decline

Extending on what I am reading ... so it seems that most did nothing during declines. Does that mean that you are not concerned about having a percentage of equities in your asset allocation? Just let equities go where they may. If they declined below 25% of your overall portfolio, would you just l...
by RCL
Sun Nov 04, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: California municipal money market vs vanguard prime money market
Replies: 19
Views: 2482

Re: California municipal money market vs vanguard prime money market

Do you mind sharing it? XLS download link Let me know if you have problems downloading or if there is a better website to upload to. It downloaded perfectly, thank you! Is it appropriate to use this to compare "% Yield After Taxes" (same as TEY?) for bond funds as well? I managed to insert link to ...
by RCL
Thu Oct 25, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: When to sell CDs and accept EWP
Replies: 10
Views: 1343

Re: When to sell CDs and accept EWP

Protagonist, Just guessing, but I think if you right click on the cell with the odd number, select format, then select date, it might make more sense. My excel program randomly gets the formatting of the date messed up as well...never have figured out why EDIT Just saw cruncher's note : "Format the...
by RCL
Thu Oct 25, 2018 12:45 am
Forum: Investing - Help with Personal Investments
Topic: When to sell CDs and accept EWP
Replies: 10
Views: 1343

Re: When to sell CDs and accept EWP

Protagonist, Just guessing, but I think if you right click on the cell with the odd number, select format, then select date, it might make more sense. My excel program randomly gets the formatting of the date messed up as well...never have figured out why EDIT Just saw cruncher's note : "Format the ...
by RCL
Tue Oct 23, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Incur short term losses for more Roth Conversion availability?
Replies: 11
Views: 836

Re: Incur short term losses for more Roth Conversion availability?

The top of the 22% bracket is $82,500 Single Taxable Income and $165,000 MFJ Taxable Income I believe, to stay at Baseline Medicare Premium, you have to be under $85K MAGI for Single and $170K for MFJ So it looks like there is a little room between the top of the 22% tax bracket before reaching the...
by RCL
Mon Oct 22, 2018 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Incur short term losses for more Roth Conversion availability?
Replies: 11
Views: 836

Re: Incur short term losses for more Roth Conversion availability?

I usually don't take short term capital losses but I have an available short term loss from emerging markets losses of about $20k that I could take this year which would allow me to increase my Roth conversion by $20K for this year and stay at the 22% rate. And this would also be neutral for IRMAA,...
by RCL
Mon Oct 22, 2018 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Incur short term losses for more Roth Conversion availability?
Replies: 11
Views: 836

Re: Incur short term losses for more Roth Conversion availability?

Going to the top of the 22% bracket will push you up an IRMAA tier - you'll pay more for Medicare. The top of the 22% bracket is $82,500 Single Taxable Income and $165,000 MFJ Taxable Income I believe, to stay at Baseline Medicare Premium, you have to be under $85K MAGI for Single and $170K for MFJ...
by RCL
Mon Oct 22, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Incur short term losses for more Roth Conversion availability?
Replies: 11
Views: 836

Re: Incur short term losses for more Roth Conversion availability?

I usually don't take short term capital losses but I have an available short term loss from emerging markets losses of about $20k that I could take this year which would allow me to increase my Roth conversion by $20K for this year and stay at the 22% rate. And this would also be neutral for IRMAA,...
by RCL
Mon Oct 22, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 493
Views: 49628

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Quick question about the bonus $$ being awarded. In my case, they will be put in my existing Ally savings account. Since I'm very close to getting hit with IRMAA this year, how is this bonus $$ treated tax wise? Hopefully it doesn't count towards MAGI. It counts, but in 2019 rather than 2018, since...
by RCL
Mon Oct 22, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 493
Views: 49628

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Quick question about the bonus $$ being awarded. In my case, they will be put in my existing Ally savings account. Since I'm very close to getting hit with IRMAA this year, how is this bonus $$ treated tax wise? Hopefully it doesn't count towards MAGI. It counts, but in 2019 rather than 2018, since...
by RCL
Mon Oct 22, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 493
Views: 49628

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Quick question about the bonus $$ being awarded.
In my case, they will be put in my existing Ally savings account.
Since I'm very close to getting hit with IRMAA this year, how is this bonus $$ treated tax wise? Hopefully it doesn't count towards MAGI.
by RCL
Sun Oct 21, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Time To Reinvest or Time to Hold Cash
Replies: 5
Views: 934

Re: Time To Reinvest or Time to Hold Cash

dje4msu, Welcome to the forum :happy I think what you should do is pretty much a personal thing, and should follow some kind of a personal investment plan. By the way, it is okay to make changes to your plan as time marches on...circumstances change. Does "cash" include things like cd's, money marke...
by RCL
Thu Oct 18, 2018 1:10 am
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 4171

Re: How Much Is Your Sewer Bill?

Live in L.A. County....just about everything is taxed...maybe even the air :wink: Property Tax bill includes Flood Control $3.10/mo. Consolidated Sewer $4.21/mo. Sanitation District $29.08/mo. Stormwater Utility $2.60/mo. Trash pickup weekly green-waste,recyclables,trash $18/mo. Natural Gas averages...
by RCL
Wed Oct 17, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Bad time to invest in govt bonds?
Replies: 20
Views: 2680

Re: Bad time to invest in govt bonds?

Here is an on-going discussion going on right now about returns and duration.
viewtopic.php?f=1&t=261563#p4168549
by RCL
Wed Oct 17, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Why not pick Vanguard Intermediate-Term Tax Exempt Fund??
Replies: 15
Views: 2258

Re: Why not pick Vanguard Intermediate-Term Tax Exempt Fund??

I'm trying to pick a bond fund to round things out. What is the difference between the Vanguard Intermediate Term Bond fund and the variety that comes tax exempt? Why would a person not pick the tax exempt variety? Thanks! I pretty much use the tax exempt fund to ensure I stay in my tax Federal bra...
by RCL
Wed Oct 17, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Bad time to invest in govt bonds?
Replies: 20
Views: 2680

Re: Bad time to invest in govt bonds?

What do you guys think about this? https://seekingalpha.com/article/4210496-bnd-avoid-bond-funds-current-environment The Federal Reserve is in the midst of a rate hiking program that is expected to continue for the next year or two. BND has been a steady loser over the past year due to these rate h...
by RCL
Tue Oct 09, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-effective yields for various MM Funds
Replies: 16
Views: 1373

Re: Tax-effective yields for various MM Funds

Thanks for the corrections! Here is the updated table. Does it look right? The whole 3.8% NIIT applies to VMFXX. Also with VMFXX the exemption from CA taxation is in proportion to the income from US government obligations (66.3% from 2017 from the linked pdf), since the 50% holding threshold is sat...
by RCL
Mon Oct 08, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: MAGI and Social Security
Replies: 18
Views: 1987

Re: MAGI and Social Security

Thank you for the link. That is good news since it will allow me to convert an additional $5k/y from my tIRA to a rIRA and still stay below the IRMAA (Medicare income-related monthly adjustment amount). Thanks for asking about the non-taxable portion of S.S.(the 15% you mentioned) and it's effect o...
by RCL
Wed Oct 03, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: Flattening yield curve
Replies: 55
Views: 5033

Re: FLATTENING YIELD CURVE

livesoft wrote:
Wed Oct 03, 2018 12:24 pm
I don't know about a recession, but bond funds have dropped more than 0.4% today, so it is a buying opportunity!
Noticed this as well......and added to allocation
by RCL
Mon Sep 24, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for My First Recession?
Replies: 63
Views: 7429

Re: Preparing for My First Recession?

My current state is that I purchased a home last-year (appreciated nearly 20% ... crazy market).. and am renting it out while living in a backyard mother-in-law suite. So I don't have a living expense which has helped. Still have a car payment but at least it's at a 1.5 interest rate. After this th...
by RCL
Wed Sep 19, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Pool Water Question
Replies: 3
Views: 569

Re: Pool Water Question

Teague wrote:
Wed Sep 19, 2018 6:12 pm
https://www.troublefreepool.com/calc.html
Thank you for this. Clears things up
by RCL
Wed Sep 19, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Pool Water Question
Replies: 3
Views: 569

Pool Water Question

This post concerns Water Hardness or Calcium Hardness (CH) in pool water. Being math challenged, I would like someone to tell me the effect of replacing a small portion of a pools water with soft water a few times a year as maintenance to compensate an increase in hardness due to a Calcium based chl...
by RCL
Wed Sep 19, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond or Total Bond/short-term
Replies: 48
Views: 4903

Re: Total Bond or Total Bond/short-term

Question, how can one look up what the intermediate rates are doing? Isn't ^TNX the CBOE ten year treasury note (Ten Year Bond?) considered long term? Is there a ticker for intermediate term? Reason for asking: I am trying to figure out why the VBTLX Intermediate term bond index funds NAV, (not the...
by RCL
Mon Sep 17, 2018 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond or Total Bond/short-term
Replies: 48
Views: 4903

Re: Total Bond or Total Bond/short-term

Thank you for the link
by RCL
Mon Sep 17, 2018 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond or Total Bond/short-term
Replies: 48
Views: 4903

Re: Total Bond or Total Bond/short-term

Vineviz, I see this idea expressed often on the forum, and I'm not at all sure I understand what it means. I wonder if you or someone else can elaborate on it. Surely it can't mean that if interest rates rise, the NAV of a bond fund will remain unchanged—can it? What are the implications of this fo...
by RCL
Wed Sep 12, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Hypothetical Question - Market Timing
Replies: 43
Views: 2514

Re: Hypothetical Question - Market Timing

chevca wrote:
Wed Sep 12, 2018 12:57 pm
bottlecap wrote:
Wed Sep 12, 2018 12:30 pm
I'm still chuckling about the "strictly hypothetical" nature of this situation...
That is pretty funny. Seriously, just hypothetical..... but, what should I do here? :happy
Anti-Flame protection?
by RCL
Thu Sep 06, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund Fee Wars Will Encourage Bad Behavior
Replies: 26
Views: 2700

Mutual Fund Fee Wars Will Encourage Bad Behavior

I don't normally read Bloomberg , but after reading this, I was wondering what others thought about this theory. https://www.bloomberg.com/view/articles/2018-09-06/mutual-fund-fee-wars-may-be-bad-for-investors?utm_source=yahoo&utm_medium=bd&utm_campaign=headline&cmpId=yhoo.headline&yptr=yahoo A few ...
by RCL
Mon Aug 27, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: best fixed income investment as interest rates increase
Replies: 4
Views: 819

Re: best fixed income investment as interest rates increase

maybe the poster is looking at NAV price instead of growth?
by RCL
Sun Aug 26, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22459

Re: Did you celebrate when you finally hit $1m?

mptfan wrote:
Sun Aug 26, 2018 5:40 pm
michaeljc70 wrote:
Sat Aug 25, 2018 5:57 pm
When I reach 3.14159265 million, I'd celebrate :shock:
You should have a piece of pie.
Nice!!
by RCL
Sat Aug 25, 2018 12:51 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22459

Re: Did you celebrate when you finally hit $1m?

Lots of ho-hum comments about passing the $1m mark. It may not be that big of a deal for some posters here, and for others it IS a big deal. Whether it is or isn't a big deal most likely depends on the persons earnings/expense ratios throughout their lives. With some of the salaries people on this s...
by RCL
Tue Aug 21, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Union at Fed job
Replies: 20
Views: 1988

Re: Union at Fed job

Time to lock this thread?!!
by RCL
Tue Aug 21, 2018 1:39 am
Forum: Investing - Help with Personal Investments
Topic: VFSUX [Vanguard Short-Term Investment-Grade Adm.]
Replies: 8
Views: 1118

Re: VFSUX

For others who may be reading this, VFSUX is the Vanguard Short-Term Investment-Grade Adm. class fund with an E/R of .1 according to M*. In order to get better results, you need to give up a lot more information. What assets make up the other approx. 40% of your taxable account? Do you have any tax ...
by RCL
Tue Aug 21, 2018 1:00 am
Forum: Investing - Help with Personal Investments
Topic: 2018 Income Tax Simulation
Replies: 11
Views: 2501

Re: 2018 Income Tax Simulation

I like this one: https://www.mortgagecalculator.org/calcs/1040-calculator.php It doesn't tell you about Medicare premium but easy enough to google: IRMAA Might be comforting to check w/ other tax calculators...both Taxcaster and the HR Block tax calculator have what looks like a 2017 calculator but...
by RCL
Thu Aug 16, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account for Minor
Replies: 28
Views: 2102

Re: Brokerage Account for Minor

Anyway, I think I agree with an earlier poster who recommended the minor open the account and stash the $4500 away for the future, and the parent give the same amount of $$ back to the minor. (unless this creates a tax problem) so they can have some fun at the same time What better way to teach a yo...
by RCL
Thu Aug 16, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account for Minor
Replies: 28
Views: 2102

Re: Brokerage Account for Minor

Here you go... Current Principal: $ 4,500.00 Annual Addition: $ 0.00 Years to grow: 40 Interest Rate: 7.2 (Money doubles every 10 years; see rule of 72) % Compound interest 1 time(s) annually Make additions at start end of each compounding period Results Future Value: $ 72,611.25 Thank you, I knew ...
by RCL
Wed Aug 15, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account for Minor
Replies: 28
Views: 2102

Re: Brokerage Account for Minor

Thanks so much for your rude response; truly in the Spirirt of things :x Since you won't provide the asked for answer, and I don't know what the correct variables are to get the correct answer, what variable should be used for Compound interest interval annually, and what would be a good value for i...
by RCL
Wed Aug 15, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account for Minor
Replies: 28
Views: 2102

Re: Brokerage Account for Minor

Anybody calculate what $4-5K would grow to over 40 years without any other contributions? I use this site when teaching my middle school kids about the power of compounding: http://www.moneychimp.com/calculator/compound_interest_calculator.htm So, I'm too lazy to look that up.. Would you be so kind...
by RCL
Wed Aug 15, 2018 5:24 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 22161

Re: "Don't Obsess About Expense Ratios"

Gee, I wonder if Fido is going to change the names of their funds...again? Maybe they can get some people to buy into funds they thought were one thing, but turned out to be something else. Must keep the customer confused. Okay, that was sarcasm I would be more excited if Fido's Total Stock Market I...
by RCL
Wed Aug 15, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify - 18 holdings all less than 1% of total portfolio
Replies: 11
Views: 787

Re: Trying to simplify - 18 holdings all less than 1% of total portfolio

Assuming you pay 15% LTCG tax, if you sold all the positions, wouldn't that only be $2250?
Doesn't sound too bad for a 1 Mil. portfolio
by RCL
Wed Aug 15, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account for Minor
Replies: 28
Views: 2102

Re: Brokerage Account for Minor

Anybody calculate what $4-5K would grow to over 40 years without any other contributions? Have read many times about how starting investments early in life make achieving financial success later in life much easier. Would think BH's would be encouraging this action. It's not like her father is insis...
by RCL
Sat Aug 11, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: 2018/19 Honda Odyssey - which trim level?
Replies: 15
Views: 1157

Re: 2018/19 Honda Odyssey - which trim level?

How long do you keep your cars? I think the premium prices for the upgraded models is well worth it if you get 7-12 years use out of the vehicle. Leather seats really hold up well, even with little maintenance on them. Our 2003 4-runner (230,000 miles on it) has them, and they are still in great sha...
by RCL
Fri Aug 03, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: why is VTI more tax efficient than VTSAX
Replies: 11
Views: 2360

Re: why is VTI more tax efficient than VTSAX

jhfenton wrote:
Fri Aug 03, 2018 6:46 pm
I agree with triceratop, gostars, and the slow typist.
Thanks, I needed some humor today... :sharebeer
by RCL
Fri Jul 27, 2018 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Conservative asset management during retirement?
Replies: 15
Views: 1676

Re: Conservative asset management during retirement?

Helpful reading: Outstanding write up on the 64/40 allocation by Bernstein. http://web.archive.org/web/20061214061904/http:/dfmadvisors.com/pdf/Bernstein6040.pdf R. Ferri on Bernstein's 60/40 http://www.etf.com/sections/index-investor-corner/ferri-wisdom-6040-portfolios-timeless?nopaging=1 j :D Tha...
by RCL
Sat Jul 14, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: are you able to find what you are looking for in the wiki?
Replies: 10
Views: 377

Re: are you able to find what you are looking for in the wiki?

drk wrote:
Sat Jul 14, 2018 7:48 pm
Another strategy in case one is really smitten with using full sentences to search: use a regular search engine and insert "site:https://www.bogleheads.org/wiki" before your query, e.g., "site:https://www.bogleheads.org/wiki when do i have to take my rmd's".
Thanks for the tip, I will try that