Search found 292 matches

by RCL
Thu Oct 18, 2018 1:10 am
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 3905

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: 2466

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: 12
Views: 1720

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: 2466

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: 1172

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: 1936

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: 4808

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: 7254

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: 541

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: 541

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: 4818

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: 4818

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: 4818

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: 2498

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: 2653

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: 805

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: 22296

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: 22296

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: 1968

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: 1030

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: 10
Views: 1894

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: 2049

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: 2049

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: 2049

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: 2049

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: 21672

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: 779

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: 2049

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: 1101

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: 2131

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: 1621

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: 356

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: 356

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: 356

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: 356

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: 1696

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: 356

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: 2352

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: 979

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: 2198

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: 69
Views: 6488

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: 8589

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: 592

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: 3347

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: 2706

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: 2706

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: 2706

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: 768

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: 4267

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: 2335

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 ...