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Murray Boyd

I'm trying to get my head around how qualified dividends are treated. If your only income was qualified dividends, how much income could you have and pay zero taxes? For marrieds, is it really $75,900?

Murray Boyd

bobcat2 wrote:
Murray Boyd wrote:I just looked up the long-term performance of PCRIX. Aha! That's hilarious.
Hi Murray,
A very warm welcome back. Please don't wait two years to make your next post.

Best,
BobK

Hi BobK! I don't have much to say any more that wouldn't get deleted by moderators, but I still lurk!

Murray Boyd

I just looked up the long-term performance of PCRIX. Aha! That's hilarious.

Murray Boyd

Heya gang, checking in eight years later. Are commodities back in fashion yet?

Murray Boyd

That stock markets are for raising funds for investment.

Murray Boyd

Yes, cities are much safer than rural areas:

http://media.philly.com/documents/Myers ... +safer.pdf

Murray Boyd

The primatologist Richard Wrangham (who happens to a vegetarian as well) wrote a book called, "Catching Fire: How Cooking Made Us Human." He makes the case that humans have evolved to eat cooked food. Basically, we have soft teeth and don't digest raw food very well. He says that it's very difficult...

Murray Boyd

I grew up near Vancouver, WA. It's the same suburb as anywhere else in America. It's a great place to live if you really love being in your car.

Murray Boyd

If I had to do it over again I'd wait to buy until the kids were already in a school we liked. We bought in a neighborhood with good schools and now we're on the very edge of the border, and the kids won't start for a few years yet. Also, the best way to buy happiness is a short commute, preferably ...

Murray Boyd

Anybody get their heating ducts cleaned out? Was it worth it? My house is 100+ years old and I'm sure there's a ton of dust and dirt in there, but the EPA doesn't exactly recommend it.

http://www.epa.gov/iaq/pubs/airduct.html

Murray Boyd

It always bugged me that Tax-Managed International excluded Canada, so there's that at least.

Murray Boyd

Car2go is great, and really ideal for vacationers, just be extra careful not to sign out a car in a place that has rush hour parking restrictions (e.g., no parking 7-9 am). The basic idea is that the car might be sitting there for a day and a half after you're done with it, and it needs to be in a p...

Murray Boyd

I use f.lux on my laptop. I think it's great. Before I started using it I'd often stay up way too late, but now I almost never do.

Murray Boyd

If they closed TM Capital Appreciation I'd hope they would merge it with Total Stock Market.

Murray Boyd

I've been really impressed by how well old folks can use iPads.

Murray Boyd

I don't think it'll make much difference either way, and the ETF complement might help with capital gains (like Wagnerjb said). TM International is my biggest single investment and it doesn't bother me. I just wish they'd include Canada in it.

Murray Boyd

Another vote for Miele. They're reliable, powerful, well-designed, and very quiet. I'd rather have a german-engineered luxury vacuum than a german-engineered luxury car. The only bad thing is they have a million models to choose from.

Murray Boyd

I'll pitch in a suggestion: Ruby on Rails. This is what our software dev shop uses around here, for web-based applications. Rails's learning curve is WAY too steep. It's for experienced programmers. It's what I use and I love it, but it's not for kids. The beauty of rails is how it ties everything ...

Murray Boyd

The author updated the post. I can't remember the old post well enough to tell the difference though!

http://richardhserlin.blogspot.com/2013 ... le-to.html

Murray Boyd

Just throwing this one out there: http://richardhserlin.blogspot.com/2013/08/15-year-fixed-is-usually-preferable-to.html My opinion on this is that usually 30 years is too long, at least for most college graduates with a decent income. And if it's a Wal-Mart worker couple, they should be very carefu...

Murray Boyd

You should email around 6 (maybe more) dealers in your vicinity with your exact specs and tell them you are motivated to buy in the next several days. Stress in the email that you need their lowest out the door price and you will be going with the dealer that will give you the lowest price. Tell th...

Murray Boyd

It's great for getting out berry stains.

Murray Boyd

Gavyn Davies in the Financial Times : A common concern among investors is that the profit share in the US economy is currently abnormally high, which is one reason why US equities have performed so well since 2009. It is frequently argued that the profit share must eventually “mean revert”, and whe...

Murray Boyd

Crystal Ball wrote: The program is in Access and had a lot of rough edges in the early days, but works more smoothly now.

It's in Access?! Really?!

Murray Boyd

My holdings include innumerable American funds and some unit trusts. My plan was to sell everything at Edward Jones, transfer the money and start anew with Vanguard funds (3 fund portfolio); I decided I could handle the capital gains tax. Do not do this! Edward Jones will murder you on fees. Transf...

Murray Boyd

We gave the software a try, and it was pretty nice (this was an early version). HOWEVER... it didn't/couldn't take into account what is for us (and I assume for more people than realize it) a very, very important factor in "consumption smoothing", at least in retirement - and for those not strapped...

Murray Boyd

Why does consumption smoothing require extensive software? I do it now...I budget a certain amount of dollars to spend each year. Some of that goes into what I call "future liabilities" and is invested in short to intermediate term fixed income that I consider as "already spent" (earmarked) money. ...

Murray Boyd

This was in the NYT a while ago:

http://getyourshittogether.org/

Murray Boyd

To extend the warranty on the VW I'm buying from 3 years to 6 years is $1,400, and I am trying to compare that to Geico's coverage.

Murray Boyd

Does anybody use Geico's Mechanical Breakdown Insurance? What do you think?

Murray Boyd

I keep hearing from people (in the Seattle area at least) used quality cars are so expensive you're better off buying new.

Murray Boyd

Miele vacuum. I'd rather have a luxury vac than a luxury car.

Murray Boyd

Big problems with Reinhart and Rogoff.

Mike Konczal's summary:

http://www.nextnewdeal.net/rortybomb/re ... s-problems

Original academic paper (pdf):

http://www.peri.umass.edu/fileadmin/pdf ... /WP322.pdf

Murray Boyd

Does the Vanguard 529 show up on the regular accounts page, or do you have to log into upromise or whatever to see it? I like having everything in one place.

Murray Boyd

Thanks for all the replies. I think I'm going to go with the Benjamin Moore Advance and hope for the best.

Murray Boyd

I have a some built-in bookshelves that I'd like to paint white. Does anyone have any experience with durable low VOC cabinet paints? Thanks.

Murray Boyd

Another vote for the ukulele. I've played guitar forever but since we had a baby my wife and I only play ukes anymore. You can hold a baby and play at the same time. We have a standard and a tenor. They're both fun. Just don't get a toy ukulele. Get one that will stay in tune.

Murray Boyd

If I remember correctly the conventional wisdom for tax-exempt bonds used to be 50% limited-term, 50% intermediate-term (assuming an all-taxable portfolio). Is that still the case?

Murray Boyd

Thanks!

Murray Boyd

I just read the wiki entry on donating appreciated securities. How long is the usual turnaround time for that? Is it already too late this year to do it?

Murray Boyd

Yep, lump of money.

I was just checking in case there was something I didn't know about, like, "This year EM a big distribution because of mumble mumble mumble."

Murray Boyd

It's time to rebalance and I've got to buy a few funds in my taxable account. To be safe I thought I'd check with the Bogleheads. Here's what I need to buy: TSM, Tax-Managed International, and Emerging Markets. It seems like they've all switched to quarterly dividends. Is it alright to buy now? Than...

Murray Boyd

I was talking to a friend about tax-efficiency, and we were trying to figure out how big a portfolio could be and still pay zero taxes, assuming no other income. For simplicity let's say it's 50% Vanguard Total Stock Mark Index and 50% Vanguard Intermediate-Term Tax-Exempt. The yield on the stock fu...

Murray Boyd

Bank Lobby’s Onslaught Shifts Debate on Volcker Rule Knowing that they were tainted by bailouts and vulnerable to charges they were trying to preserve excessive profits, the banks looked for other firms to help press the argument. That’s what made Robert Auwaerter such a valuable ally. Auwaerter, w...

Murray Boyd

You're trying to figure out how your kids can keep all their money and power when you should be worried about their happiness. Just give away the money and let them be normal.

Murray Boyd

Looks like now he may have bet wrong on Germany:

http://mikenormaneconomics.blogspot.com ... again.html

Murray Boyd

For the rest of the population, this money is "value subtracted" from the economy. I do not agree. The existence of the financial sector is overall a net positive to the rest of the population. If not for the financial sector, individuals and businesses would be unable to borrow money, raise capita...

Murray Boyd

Looks like investors lost this one:

http://www.reuters.com/article/2011/06/ ... CC20110613

Murray Boyd

It made me laugh out loud

http://www.xtranormal.com/watch/7783275/

Murray Boyd

My doctor has recommended that I ride a bicycle for daily exercise. I am in my mid sixties, haven't ridden a bike for a number of years, and live in an area that is relatively flat ( and the roads are safe). I went to Target to look at bikes and realized there a number of different types; some moun...

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