Search found 274 matches

by RCL
Tue Aug 21, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Union at Fed job
Replies: 20
Views: 1720

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: 813

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: 3
Views: 722

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: 1913

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: 1913

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: 1913

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: 1913

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: 20474

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: 671

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: 1913

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: 1021

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: 1969

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: 1535

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: 340

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
by RCL
Sat Jul 14, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: are you able to find what you are looking for in the wiki?
Replies: 10
Views: 340

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

GoldenFinch wrote:
Sat Jul 14, 2018 7:54 pm
I have not had any problems finding information in the Wiki.
All I can say is good for you
by RCL
Sat Jul 14, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: are you able to find what you are looking for in the wiki?
Replies: 10
Views: 340

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

friar1610 wrote:
Sat Jul 14, 2018 7:52 pm
I find it challenging; I'm actually relieved to hear that some others do too.
I have rarely gotten the results I was looking for over the years I have been a member of the site...It's kinda sad.

I realize probably nobody gets paid for putting info into the wiki, so Can't complain too much :|
by RCL
Sat Jul 14, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: are you able to find what you are looking for in the wiki?
Replies: 10
Views: 340

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

Mediawiki search is keyword based, and it found no good matches for your query. If you instead searched for "RMD" , you would have been taken directly to the article on RMDs. If you use keywords like that, you'll also benefit from some autosuggest in the wiki search input. I did "RMD" the first sea...
by RCL
Sat Jul 14, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Swimming Pool (in-ground) Restoration Advice?
Replies: 9
Views: 1660

Re: Swimming Pool (in-ground) Restoration Advice?

I am identifying vendors to restore my 20 by 40 in-ground. The pool seems to be in good shape but the concrete in the pool has become very rough and I am losing trim tiles every year (which I repair). The pool is about 40 years old and we had it restored 17 years ago. I am also looking to replace c...
by RCL
Sat Jul 14, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: are you able to find what you are looking for in the wiki?
Replies: 10
Views: 340

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

Maybe it's just me, but I seldom can find the answers I am looking for in the wiki. It may be because I don't use the proper search terms? Very frustrating! As one example, I thought I would read up on RMD's, since next year I will be at that age early in the year. So I go to the wiki and entered "w...
by RCL
Fri Jul 13, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Thoroughly cleaning grimy tile
Replies: 19
Views: 2225

Re: Thoroughly cleaning grimy tile

Sodium Percarbonate Think of it as a granulated form of hydrogen peroxide. It's pretty much the main ingredient of all the cleaners that start with "Oxy" About 5 years ago I purchased a large amount of this product (I think maybe from ebay?) Very inexpensive I might add. I have a good amount of floo...
by RCL
Fri Jul 06, 2018 12:29 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (June 2018)
Replies: 5
Views: 953

Re: madsinger monthly report (June 2018)

Thank you for posting these monthly updates
by RCL
Thu Jul 05, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Starting Bogle method with 300K (1 string attached)
Replies: 14
Views: 2122

Re: Starting Bogle method with 300K (1 string attached)

I'm glad I read this thread! I didn't know bond funds were frowned upon in taxable threads. I have about 12k of BND in my taxable vanguard account. Would like to exchange it for VTEB instead (I'm in the highest tax bracket in California). Is there a smart way to do this to minimize distributions/ta...
by RCL
Mon Jul 02, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 61
Views: 5225

Re: Chipmunk problem

Chipper dipper is a better solution than what you're doing at least there will be no accidental kills of non-problem pests. [/quote] Hmm, I found this amusing, as I don't think there is such a thing as non-problem pests. A pest is a pest. You are correct about the possibilities of harming other ani...
by RCL
Sat Jun 30, 2018 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8183

Re: What % of your equity is int’l?

currently 18-19%
by RCL
Wed Jun 27, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: The Wilshire was up 1% yesterday but VTSAX was down.
Replies: 6
Views: 566

Re: The Wilshire was up 1% yesterday but VTSAX was down.

Yahoo is in error
looks like they posted 6-25-18 closing for 6-26-18?
This is one good reason why I like M* better
by RCL
Mon Jun 18, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: How do you read books?
Replies: 34
Views: 3181

Re: How do you read books?

I read from left to right
Sorry, couldn't resist; it's a slow day
by RCL
Wed Jun 13, 2018 12:46 am
Forum: Investing - Help with Personal Investments
Topic: converting some traditional IRA to Roth
Replies: 45
Views: 2576

Re: converting some traditional IRA to Roth

No problem, glad I asked. Makes a big difference on how much conversions can be done this year. (I was pretty happy there for a moment, but after your clarification, now, not so much) :( Trying to keep all these different terms the IRS uses squared away is a daunting task for sure! :? Thanks! The t...
by RCL
Tue Jun 12, 2018 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: converting some traditional IRA to Roth
Replies: 45
Views: 2576

Re: converting some traditional IRA to Roth

A caution - your conversions may need to be limited once you hit age 63 - find out about IRMAA. If your taxable income goes over $85k, your Medicare Part B rates will go up significantly. Of course the number will be higher than $85k when you get there, but this is a stumbling block for many who do...
by RCL
Tue Jun 12, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: converting some traditional IRA to Roth
Replies: 45
Views: 2576

Re: converting some traditional IRA to Roth

A caution - your conversions may need to be limited once you hit age 63 - find out about IRMAA. If your taxable income goes over $85k, your Medicare Part B rates will go up significantly. Of course the number will be higher than $85k when you get there, but this is a stumbling block for many who do...
by RCL
Sat Jun 09, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: International Index Fund
Replies: 5
Views: 726

Re: International Index Fund

When at Fidelity, I use FSIVX International Index. The E/R is a little less than FTIPX, probably because FTIPX is a Total International Index fund while FSIVX isn't a "total" fund
by RCL
Wed Jun 06, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Income investments too conservative?
Replies: 59
Views: 4039

Re: Fixed Income investments too conservative?

Someone more knowledgeable than myself will be alone soon, but I have read many times on this site that those small percentages the adviser wants to put you in are pretty much not going to make too much of a difference individually on your savings. I think your gut feeling is right on spot. I certai...
by RCL
Tue Jun 05, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Water Heaters
Replies: 27
Views: 2226

Re: Water Heaters

Everyone always says replace the anode, but if your water heater anode has never been replaced and it's more than 5 years old I'd say the chances of you being able to get the anode rod to break free with a wrench and come out are slim. You can watch some YouTube videos of plumbers with 5 foot long ...
by RCL
Tue Jun 05, 2018 12:37 am
Forum: Investing - Help with Personal Investments
Topic: VWIUX: 0% coupon?
Replies: 6
Views: 876

Re: VWIUX: 0% coupon?

Since the OP was asking about duration/maturity, what is the difference between the average you speak of, and average Eff (assume effective)? Asking because M* has VWIUX as Avg Eff Duration = 5.13 yrs, and Avg Eff Maturity = 5.5 yrs. Is the Eff maturity M* is using factoring in their guess about ca...
by RCL
Mon Jun 04, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: VWIUX: 0% coupon?
Replies: 6
Views: 876

Re: VWIUX: 0% coupon?

Yes, the VG website states that 43% of the bonds have a stated maturity of 10-20 years. https://investor.vanguard.com/mutual-funds/profile/portfolio/vwiux Many of those bonds will likely be called before then. Also keep in mind that the fund is managed so that it on average has a duration of a litt...
by RCL
Mon Jun 04, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help Deploying Extra Cash To Bonds....
Replies: 14
Views: 1291

Re: Help Deploying Extra Cash To Bonds....

@RCL, thanks. I should have been a bit clearer. I understand that there is no point holding a muni (or other tax exempt) bond fund in tax deferred space. My question is, would it be better to hold NY Muni bond fund in taxable, or to rebalance some of my stock funds in Roth/401k in order to get my b...
by RCL
Mon Jun 04, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help Deploying Extra Cash To Bonds....
Replies: 14
Views: 1291

Re: Help Deploying Extra Cash To Bonds....

Regarding the bonds, You don't want a tax exempt bond in either a 401k or an Roth IRA.(it defeats the purpose of being tax exempt). Tax exempt bond funds such as the New York fund you referenced are for a taxable account.(but only if you are a N.Y. resident) VBTLX is a fine intermediate term bond fu...
by RCL
Sun Jun 03, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Ca. state tax question
Replies: 10
Views: 941

Re: Ca. state tax question

As an add-on question, I noticed, at the bottom of the 1099-DIV form VG sent me it states; "The information on this statement is for informational purposes only and will not be furnished to the IRS". I would think the IRS would get a copy of the 1099-DIV so the auditors can verify the info on my ta...
by RCL
Sun Jun 03, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Ca. state tax question
Replies: 10
Views: 941

Re: Ca. state tax question

As an add-on question, I noticed, at the bottom of the 1099-DIV form VG sent me it states; "The information on this statement is for informational purposes only and will not be furnished to the IRS". I would think the IRS would get a copy of the 1099-DIV so the auditors can verify the info on my ta...
by RCL
Sun Jun 03, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Ca. state tax question
Replies: 10
Views: 941

Re: Ca. state tax question

After you enter the tax exempt interest in box 10, Exempt interest dividends, of the 1099-DIV screen (federal return), click next, and you are presented with a "State-Exempt Dividends" screen (I'm using HRBlock, but TurboTax works similarly). For a national muni fund you enter 0 for CA, since the n...
by RCL
Sun Jun 03, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ca. state tax question
Replies: 10
Views: 941

Re: Ca. state tax question

Thank you to those who responded. Thanks to your responses, I have an idea of how to proceed. I'll be taking a closer look at how the tax program works regarding this issue....but it's looking like I will be filing an amended state return :oops: , as nothing appears on CA (540) line 8c (additions). ...
by RCL
Sun Jun 03, 2018 2:11 am
Forum: Personal Finance (Not Investing)
Topic: Ca. state tax question
Replies: 10
Views: 941

Ca. state tax question

Hi all, Looking for someone who knows the ins and outs of the Ca tax forms 540,CA540 etc. We normally use TurboTax, but have been encouraged by many here at BH.org to go through the tax forms for yourself. I pretty much have a good grip on the Federal forms, but not so much on the state forms. My pa...
by RCL
Thu May 31, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Car with best smell, pollution and noise insulation
Replies: 24
Views: 2086

Re: Car with best smell, pollution and noise insulation

cantos wrote:
Thu May 31, 2018 1:25 pm
For noise there are rankings online. Try this for starters: http://www.auto-decibel-db.com/
Thanks for posting this. Have been looking for something like this for :sharebeer a long time
by RCL
Sat May 26, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Just wanted to clarify how taxation works on LTCG rate and Roth conversion
Replies: 20
Views: 1311

Re: Just wanted to clarify how taxation works on LTCG rate and Roth conversion

Thanks for the clarification; now, on to find out why there is that $200 difference :? It's a glitch in the new tax laws. Ordinarily, these two limits are the same and they are likely to be made the same by an administrative adjustment before tax day. If not, the first $200 of LTCG will be taxed at...
by RCL
Sat May 26, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Just wanted to clarify how taxation works on LTCG rate and Roth conversion
Replies: 20
Views: 1311

Re: Just wanted to clarify how taxation works on LTCG rate and Roth conversion

Just a hypothetical question to understand how this works. Say $20k in LTCG. Then I do a Roth conversion for $81,200. After deducting $24k in standard deduction, I’ll have to pay ordinary income tax on $57,200 ( $81,200- $24,000 ...first $19,500 at 10%, the remaining $37,700 at 12%) Now, adding the...
by RCL
Sat May 26, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Just wanted to clarify how taxation works on LTCG rate and Roth conversion
Replies: 20
Views: 1311

Re: Just wanted to clarify how taxation works on LTCG rate and Roth conversion

Just a hypothetical question to understand how this works. Say $20k in LTCG. Then I do a Roth conversion for $81,200. After deducting $24k in standard deduction, I’ll have to pay ordinary income tax on $57,200 ( $81,200- $24,000 ...first $19,500 at 10%, the remaining $37,700 at 12%) Now, adding the...
by RCL
Fri May 25, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: CA muni bonds v US bonds in taxable account?
Replies: 38
Views: 3546

Re: CA muni bonds v US bonds in taxable account?

I moved towards investing everything in Treasury, based on just the yield comparison. But then I discovered that the Total Returns - NAV related gains plus yields of Munis are STILL substantially higher than Treasury bond funds. Now I am thinking of diving this allocation of 35K I have into 3 parts...
by RCL
Fri May 25, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: CA muni bonds v US bonds in taxable account?
Replies: 38
Views: 3546

Re: CA muni bonds v US bonds in taxable account?

Somehow, during this thread, I think I lost tract of what fund was being discussed, and whether it was exempt from Fed., State, or both!! I think my mind can handle your second method better...... "The other way to put it - is to reduce taxes from both: for tax exempt - on 2.03% apply a CA tax of 9....
by RCL
Fri May 25, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: CA muni bonds v US bonds in taxable account?
Replies: 38
Views: 3546

Re: CA muni bonds v US bonds in taxable account?

What about a savings bank account - is it fair to compare the "liquid" saving bank rate of 1.6% with this bond yield of 2.71% - roughly the bond wins by 1.1% right? Was just re-reading this thread.. Wouldn't you have to figure the after tax yield of savings bank account? At your tax rates of 24 Fed...
by RCL
Thu May 24, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: A Lonely T. Rowe Price Account - Transfer?
Replies: 21
Views: 1335

Re: A Lonely T. Rowe Price Account - Transfer?

Funny, I just this year got out of my last TR fund (owned since 1994) I offset the gains from that sale by losses in my VG taxable account this year, so the capital gains weren't so bad. One of the things I didn't like about the TRP fund were the large capital gains it distributed the last few years...
by RCL
Tue May 22, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: Rebalancing 1st time, bond worries/questions
Replies: 2
Views: 415

Re: Portfolio review: Rebalancing 1st time, bond worries/questions

You may want to examine why you have bonds in your portfolio in the first place. Typically, they are not there to make you a lot of $$, but to save you from large downward swings in the equities portion of your portfolio when Mr. stock market is having a temper tantrum. Folks around here have a sayi...