Search found 1399 matches

by dwickenh
Tue Nov 20, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting - how much?
Replies: 12
Views: 702

Re: Tax loss harvesting - how much?

I have some shares I want to sell that are STCG loss. I know I can offset $3k against my income - can I also offset dividends I received over the year, and distributions from VTSAX? Do all the loss harvesting you can, these times are hard to come by in some years. I actually wish I had more to harv...
by dwickenh
Tue Nov 20, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting - how much?
Replies: 12
Views: 702

Re: Tax loss harvesting - how much?

I have some shares I want to sell that are STCG loss. I know I can offset $3k against my income - can I also offset dividends I received over the year, and distributions from VTSAX? Do all the loss harvesting you can, these times are hard to come by in some years. I actually wish I had more to harv...
by dwickenh
Tue Nov 20, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Can someone explain what's going on [with the stock market]?
Replies: 39
Views: 3877

Re: Can someone explain what's going on..........

Hello: With the stock market ????? I know that usually october is a shaking month,but it keeps going DOWN.Please explain if you know. Many thanks in advance,parigi. This is the risk side of the equation. The market can go down a little, a lot, or somewhere in between. That is why it pays better tha...
by dwickenh
Mon Nov 19, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Projecting 2018 Taxes
Replies: 8
Views: 1185

Re: Projecting 2018 Taxes

Easiest is to use last year's numbers . A loss is under realized gains/losses tab. It will all be a guess, so don't fret if your off by a few hundred. +1 What I do. It's difficult to estimate taxes precisely before December as fourth quarter distributions are made at that time. It's for that reason...
by dwickenh
Mon Nov 19, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: How This All Happened (to the US economy)
Replies: 21
Views: 3615

Re: How This All Happened (to the US economy)

Interesting read as Morgan Housel always finds a way to relate today's situation to a series of events in the past.

Thanks for posting.

Dan
by dwickenh
Mon Nov 19, 2018 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: The psychology of withdrawing from your portfolio
Replies: 36
Views: 2876

Re: The psychology of withdrawing from your portfolio

Retired. No pension. No annuities. Therefore: 3-5 yrs expenses in cash/bank/high yield accounts/short term CD's. 5-7 yrs expenses in CD ladder, Treasuries, etc. 5-7 yrs expenses in Bond Funds. Rest in equities, etc. Stick to a reasonable and conservative withdrawal rate. Works so far. Not many bear...
by dwickenh
Mon Nov 19, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Projecting 2018 Taxes
Replies: 8
Views: 1185

Re: Projecting 2018 Taxes

Easiest is to use last year's numbers . A loss is under realized gains/losses tab. It will all be a guess, so don't fret if your off by a few hundred. +1 What I do. It's difficult to estimate taxes precisely before December as fourth quarter distributions are made at that time. It's for that reason...
by dwickenh
Mon Nov 19, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 178
Views: 10143

Re: Vanguard lowering Admiral level to $3,000?

You can now own lower-cost Admiral™ Shares for almost 40 of our index mutual funds for a minimum of just $3,000 each.

If higher minimums were keeping you from converting, select Yes below to find out if you can start saving money today.

From the web page today
by dwickenh
Mon Nov 19, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: My car was totaled. Do any of you have experience with this process?
Replies: 48
Views: 2742

Re: My car was totaled. Do any of you have experience with this process?

If there was a police report, the property damage claim will find you- and you can forward it to your Insurance company. You were insured at the time of loss, they will have to take care of the damage no matter when the claim is submitted.
by dwickenh
Sun Nov 18, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: My car was totaled. Do any of you have experience with this process?
Replies: 48
Views: 2742

Re: My car was totaled. Do any of you have experience with this process?

I hit some ice the other night and went off the road, hitting a telephone pole and a box that was full of wires (knocking the cover off). While I was okay, my car was not. I received a message the other day stating that the car was totaled and I will need to call the insurance company back tomorrow...
by dwickenh
Sat Nov 17, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: New FA offering to pay annuity surrender fee
Replies: 18
Views: 1065

Re: New FA offering to pay annuity surrender fee

"Moving to Fisher and paying 1.65% is much better than staying in his variable annuity mess at 3.65%, and his investments will also perform better." 1.65% only looks good when compared to the 3.65%. 1.65% on a 7 figure portfolio is unbelievable to me. No one at Fisher will guarantee(in writing) that...
by dwickenh
Fri Nov 16, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: VBTLX vs. Vanguard Federal Money Market Fund
Replies: 13
Views: 1570

Re: VBTLX vs. Vanguard Federal Money Market Fund

VBTLX Total bond is 43.3 Treasury and 64.2 Government backed. Other than a pure treasury fund, that does not sound risky to me. Many complain that it has too much exposure to government issues.
by dwickenh
Wed Nov 14, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio decisions as we approach retirement
Replies: 26
Views: 2967

Re: Portfolio decisions as we approach retirement

40% US Total Stock, 10% Total International, 45% Total Bond, and 5% Money Market for Cash Withdrawals. That way you can pull the next year's withdrawal from Stocks when they are up, and Bonds when stocks are down. You can't do that with a balanced fund so it gives you a little more flexibility. I ha...
by dwickenh
Wed Nov 14, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: VCADX or VMLUX?
Replies: 8
Views: 688

Re: VCADX or VMLUX?

I think that your timeline for the funds would warrant short term or intermediate term bond funds. I have the same timeline(about 8 years) and have settled on Intermediate bond funds(Total Bond and Investment grade Corporate) for my IRA. Depending on tax rates and state taxes, Muni bond funds may wo...
by dwickenh
Wed Nov 14, 2018 7:30 pm
Forum: Investing - Theory, News & General
Topic: World GDP by country 1960-2018 Video
Replies: 7
Views: 634

Re: World GDP by country 1960-2018 Video

pkcrafter wrote:
Wed Nov 14, 2018 6:22 pm
Interesting video on GDP growth from 1960. Click on arrow to start. Note Japan, China and US.

https://www.reddit.com/r/dataisbeautifu ... y_country/




Paul
Thanks for posting Paul, very interesting how China is like a yo yo for many years until the recent past.

Dan
by dwickenh
Wed Nov 14, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 6885

Re: Are you all staying the course?

Staying the course and TLH along the way. I intend to re-balance with new money in July. I have not hit my 5% bands at this time.
by dwickenh
Tue Nov 13, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. Savings Account
Replies: 28
Views: 1561

Re: Bonds vs. Savings Account

Let's say that you run out of your emergency fund and you are forced to tap into your investment for survival. Would you then start to tap into your Roth IRA and 401K with the Bonds or the Taxable Account with the equities? You could tap you taxable account equities, and then buy them back with bon...
by dwickenh
Mon Nov 12, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 67
Views: 8951

Re: cvt transmissions

2015 Honda Crv-I noticed the difference as soon as I drove it,excellent acceleration,did not miss the "gear shift" feel. :happy http://world.honda.com/automobile-technology/CVT/ Same here! My CRV never "downshifts" in cruise control when climbing a hill. Very smooth and efficient for me so far. On ...
by dwickenh
Mon Nov 12, 2018 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Financial Engines thru Vanguard
Replies: 14
Views: 836

Re: Financial Engines thru Vanguard

With Vanguard, when going to the Account Maintenance Tab, there is Financial Engines Under the Services category, anyone use Financial Engines? There are some interesting graphs and retirement info within Financial Engines that you can access without subscribing to their services. I have used it to...
by dwickenh
Mon Nov 12, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Social Security Claiming Strategy - Seeking Confirmation
Replies: 30
Views: 3019

Re: Social Security Claiming Strategy - Seeking Confirmation

Appreciate the replies. I put several scenarios through Mike Piper's SS tool and, as noted, it doesn't make a huge difference when the election is made for the lower earning spouse. It does confirm that "earliest is best" under our situation. As an aside, I did pick up Mike's book, although it does...
by dwickenh
Sun Nov 11, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 213
Views: 26491

Re: [Financial] Habits of the Rich

Remember what it was like to be "dead broke". :shock: Resolve to move in the opposite financial direction no matter what. :happy I remember that!! At 23 I cashed in my only mutual fund to pay for a runaway credit card balance. Boy did that head me in the opposite direction. Great point Sandtrap!!
by dwickenh
Sun Nov 11, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Kids Inheritance - Lump Sum or SWR?
Replies: 13
Views: 1242

Re: Kids Inheritance - Lump Sum or SWR?

5 Distributions, One at 90 days, at one year, at two years, at three years, and at five years(skip four years). 20 % per distribution.
by dwickenh
Sun Nov 11, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Global Wellington Fund
Replies: 4
Views: 609

Re: TLH Global Wellington Fund

It would likely work fine, but you will be out of the International market for the 31 days. It may work better to use the Vanguard Balanced Index fund which will still hold foreign stocks. Probably won't matter for 31 days, but if you had to hold the acquired fund due to capital gains the Balanced ...
by dwickenh
Sun Nov 11, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index Fund Admiral Shares Question
Replies: 25
Views: 2853

Re: Vanguard Index Fund Admiral Shares Question

CurlyDave wrote:
Sun Nov 11, 2018 7:31 am
Put half in each and see what happens.
I love compromise!! :sharebeer
by dwickenh
Sun Nov 11, 2018 8:56 am
Forum: Local Chapters and Bogleheads Community
Topic: Remember to support this free source
Replies: 21
Views: 2165

Re: Remember to support this free source

Rob5TCP wrote:
Sun Nov 11, 2018 8:55 am
Silk McCue wrote:
Sat Nov 10, 2018 8:52 pm
Rob5TCP wrote:
Sat Nov 10, 2018 8:48 pm
Three attempts to donate just failed ??
Were you using PayPal?

Cheers
Yes -- this morning (the 4th time) worked.
Congrats and thanks for being dedicated enough to make it work!!

Dan
by dwickenh
Sat Nov 10, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard customer service
Replies: 12
Views: 1678

Re: Vanguard customer service

Did you specifically research the criteria for such an investment be under your particular circumstances? Are you trying to say you wanted to use the fund as an investment vehicle for a charitable organization rather than as an investment for you as an individual? If so, have you inquired into avai...
by dwickenh
Thu Nov 08, 2018 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Global Wellington Fund
Replies: 4
Views: 609

Re: TLH Global Wellington Fund

It would likely work fine, but you will be out of the International market for the 31 days. It may work better to use the Vanguard Balanced Index fund which will still hold foreign stocks. Probably won't matter for 31 days, but if you had to hold the acquired fund due to capital gains the Balanced I...
by dwickenh
Thu Nov 08, 2018 4:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Remember to support this free source
Replies: 21
Views: 2165

Re: Remember to support this free source

I just wanted to remind everyone that this free source requires extensive work from a number of people(not me). I am not as consistent as I could be, but remembered today to make a contribution. You've donated $25.00 USD to paypal@gostynska.com It might be a good time to think about all of the hard...
by dwickenh
Thu Nov 08, 2018 10:02 am
Forum: Local Chapters and Bogleheads Community
Topic: Remember to support this free source
Replies: 21
Views: 2165

Remember to support this free source

I just wanted to remind everyone that this free source requires extensive work from a number of people(not me). I am not as consistent as I could be, but remembered today to make a contribution. You've donated $25.00 USD to paypal@gostynska.com It might be a good time to think about all of the hard ...
by dwickenh
Tue Nov 06, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8102

Re: What's everyone currently in?

nedsaid wrote:
Thu Oct 25, 2018 4:53 pm
Toons wrote:
Thu Oct 25, 2018 2:18 pm
Index funds
Some managed funds
Some individual equities.
Bond Funds
Years and Years.
:happy
Ditto.
Same but no Individual stocks.

:sharebeer
by dwickenh
Tue Nov 06, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10553

Re: This man can predict when bubbles burst: time to time the market?

KlangFool wrote:
Tue Nov 06, 2018 5:49 pm
OP,

I prepared for a market crash plus unemployment lasting 5 years. It could happen at any time. But, it won't matter to me. So, why do you need to rely on any prediction when you can be prepared instead?

KlangFool
This!!! +1
by dwickenh
Tue Nov 06, 2018 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question/Help
Replies: 12
Views: 1052

Re: Asset Allocation Question/Help

Your 9% cash would be 405K which would be over 3 years of your expenses. I'm not sure you need more cash at this point, but you may want to add some intermediate bond funds for ballast. Since you don't need to spend this money, you could also stay aggressive at 91/0/9. Will you have to buy a house a...
by dwickenh
Mon Nov 05, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Saving after age 60
Replies: 5
Views: 1015

Re: Saving after age 60

I agree with other posters not to use the 401K for college expenses. You still have many years of tax free compounding if you leave it alone. 529 plan or just money market will do for college expenses.
by dwickenh
Mon Nov 05, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: How to know if you’re “On Track”?
Replies: 13
Views: 2109

Re: How to know if you’re “On Track”?

Here is a calculator you can try. Pretty good inputs and adjustments for inflation and returns.

https://www.dinkytown.net/java/retireme ... lator.html

Dan
by dwickenh
Sun Nov 04, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Attorney vs Willmaker for simple estate planning
Replies: 6
Views: 720

Re: Attorney vs Willmaker for simple estate planning

I had our wills prepared by a local lawyer at the cost of 350.00 each. I then bought Willmaker to complete my health directive and power of attorney. I found the program easy to work with and inclusive of what I needed. If I had it to do again, I would have done it all on Willmaker.
by dwickenh
Sun Nov 04, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance
Replies: 10
Views: 1327

Re: Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance

I think Chubb is a fine company, but they are not the only fine company. If you are not getting additional quotes from other highly rated companies, you are likely paying too much. I am retired from a "fine" Insurance company, but do not have my current Insurance with them due to cost.
by dwickenh
Sun Nov 04, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: How many eggs in one basket?
Replies: 24
Views: 2778

Re: How many eggs in one basket?

At which point would you consider splitting your funds between Vanguard, Schwab, etc. ? I realize all of them are presumably safe and “too big to fail” but I still have this somewhat irrational fear to keep most of my funds in just one place. You should do what makes you comfortable, but just stay ...
by dwickenh
Sun Nov 04, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Where can I put savings to live on for 2+ years?
Replies: 11
Views: 1623

Re: Where can I put savings to live on for 2+ years?

You could invest this amount in taxable and convert a similar amount in the 401k to "cash" and withdraw from that plus convert more of the 401k to Roth up to the top of which ever tax bracket you fall into. I may be wrong, but I think he is trying to keep taxable income low maybe for subsidies on H...
by dwickenh
Sun Nov 04, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: WSJ - Merrill Lynch cutting broker pay; incentivizing new account growth
Replies: 1
Views: 332

Re: WSJ - Merrill Lynch cutting broker pay; incentivizing new account growth

The article itself is behind a paywall: https://www.wsj.com/articles/merrill-lynch-cuts-broker-pay-1541250001 But here is a relevant snippet: Starting in January, brokers won’t be paid on all of the business they produce, Bank of America Corp.’s wealth-management arm late Thursday told its ranks of...
by dwickenh
Sun Nov 04, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA as tax bracket buffer
Replies: 12
Views: 1289

Re: Roth IRA as tax bracket buffer

Is anyone using or planning to use their Roth IRA to keep yourself in a lower tax bracket in retirement? I know it's impossible to know what those brackets will be, but the current ones are due to expire in 9 years and I suspect they are unsustainable. I intend to utilize my Roth, Taxable, and IRA ...
by dwickenh
Sun Nov 04, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: Question on the 4% withdrawal rule
Replies: 66
Views: 4366

Re: Question on the 4% withdrawal rule

The floor and ceiling approach recognizes changes in market returns and adjusts your withdrawal based on the current market. I plan to use a 5% floor and 10% ceiling. On 40,000 draw, the most it could decrease is 2000(5% x 40,000) while the most it could increase would be 4000(10% x 40,000). Just my...
by dwickenh
Sun Nov 04, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Where can I put savings to live on for 2+ years?
Replies: 11
Views: 1623

Re: Where can I put savings to live on for 2+ years?

Prime MM account at Vanguard with Monthly auto withdrawals to your checking account.
by dwickenh
Sat Nov 03, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Recalibrating retirement portfolio for 2019
Replies: 4
Views: 999

Re: Recalibrating retirement portfolio for 2019

Nothing magical about dividends as the share price is reduced by the dividend payout. I would go with the three fund-Total US stock market/Total International stock/and total bond market. I would move the Primerica to Fidelity also and use the 3 fund also. I would probably go to more like 70/30 allo...
by dwickenh
Sat Nov 03, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18318

Re: Vanguard website "unavailable during weekend of Nov 3"

Only 8 figure accounts got the email..... I didn't get one either!! Why do you assume we don't have an 8 or even 9 figure account, not to mention what we've got stashed at Fidelity and Schwab and TIAA? :wink: How hard would it have been to send an email to ALL account holders? Really!?? I actually ...
by dwickenh
Sat Nov 03, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Please help me with my car decision
Replies: 42
Views: 3403

Re: Please help me with my car decision

Hi smitcat. Not sure if you really wanted an answer but here it is: We made a lot less and had 250k in loans. We lived like residents for a number of years. We bought a house in a LCOL area and we also got significantly better jobs here. It also helped that I graduated early from high school and co...
by dwickenh
Sat Nov 03, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Group life insurance through work
Replies: 20
Views: 1555

Re: Group life insurance through work

Great question!! I think the difference would be rates, and any preexisting health concerns that might affect individual rates. If you are completely healthy, I would lean towards the individual policy if the rates are comparable. If there are health concerns, max out the group coverage and then see...
by dwickenh
Sat Nov 03, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18318

Re: Vanguard website "unavailable during weekend of Nov 3"

Only 8 figure accounts got the email..... I didn't get one either!!
by dwickenh
Sat Nov 03, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 134
Views: 10286

Re: Core-4 Investing is LIVE! It really is this time!

Thanks Rick for the new Core 4 website, I was intrigued with the multiple 4 fund portfolios and understand that the idea is not to market time between them. Anyone that has been on Bogleheads for any time should know to pick a flavor and stick with it. Thank you for the mutiple funds to meet the req...
by dwickenh
Sat Nov 03, 2018 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Please confirm ACA income limits
Replies: 5
Views: 937

Re: Please confirm ACA income limits

I would suggest a 5-10% cushion when controlling your income for ACA subsidies. Going over the cliff can cost you 20-30% of your income. There always seems to be a surprise that could change the numbers.