Search found 144 matches

by PalmQueen
Sat Sep 22, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 71
Views: 12561

Re: True cost of a [dental] implant

A couple data points - A friend of mine paid approximately $8k for a dental implant this year on a molar. He had chosen to drop dental coverage and self-insure so this was the cost for someone who didn't have any dental insurance. Part of the reason in deciding to drop dental coverage was that the d...
by PalmQueen
Sat Sep 22, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: Watching for Dividend Ex-Date - any tips?
Replies: 13
Views: 1023

Re: Watching for Dividend Ex-Date - any tips?

https://investornews.vanguard/upcoming-capital-gains-information/ :beer Thanks! Your post inspired me to expand my online research and I came across a site with 2018 Dividend, Ex-Dividend and Paydate information for many ETFs: I'm sharing it here in case someone else comes across this discussion lo...
by PalmQueen
Thu Sep 20, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: Watching for Dividend Ex-Date - any tips?
Replies: 13
Views: 1023

Watching for Dividend Ex-Date - any tips?

Hello -
I want to purchase shares of an ETF shortly after the next dividend payment.
It historically pays dividends quarterly, so expect next to be sometime before the end of September.
Is there a way to track this other than pulling up the ticker daily and looking at dividend history?
Many thanks!
by PalmQueen
Fri Sep 07, 2018 11:07 am
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23582

Re: How to Begin with 1M

I messed up the quote system - Quote is in italics - response below in regular text. --> Thank you for your reply and encouragement. --> I don't have much sense of what "kind" of account I'll end up in Schwab post-de-linking. Sadly, I couldn't get a clear answer from Schwab. [insert frowny face] --...
by PalmQueen
Thu Sep 06, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 6419

Re: Using your home as old age care self-insurance?

My observation has been it's the rule rather than the exception for people to sell their primary residence when they make a move into a retirement community. This works if all members of the household are moving out at once (ie: couple moving into retirement community or single person). If there was...
by PalmQueen
Thu Sep 06, 2018 9:01 am
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23582

Re: How to Begin with 1M

I messed up the quote system - Quote is in italics - response below in regular text. [/quote] --> Thank you for your reply and encouragement. --> I don't have much sense of what "kind" of account I'll end up in Schwab post-de-linking. Sadly, I couldn't get a clear answer from Schwab. [insert frowny...
by PalmQueen
Wed Sep 05, 2018 11:29 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23582

Re: How to Begin with 1M

Congratulations! You're making progress. I would start with Option C: De-Link the Account . This will accomplish your objective of removing the FA and associated fees. That done, you can evaluate whether you want to continue using Schwab or select Option B and transfer the funds to Fidelity or Vangu...
by PalmQueen
Wed Aug 29, 2018 9:09 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23582

Re: How to Begin with 1M

I have a Schwab account with the same balance as yours and my wife has a Vanguard account. I don't think there is much difference - in fact, I prefer Schwab. However, I did not sign up for their advisory services as I invest on my own. No AUM charges if you decide to go that route. In other words, ...
by PalmQueen
Tue Aug 21, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: NOL Carryover from Trust - Where/How to Claim Them
Replies: 6
Views: 469

Re: NOL Carryover from Trust - Where/How to Claim Them

On 2017 tax forms, you would list the NOL carryover amount as a negative on line 21 of Form 1040; and then list the regular NOL and AMT NOL amounts on lines 10 and 11 respectively of AMT Form 6251. Thank you MarkNYC. I really appreciate your help. To be sure I understand correctly, is the negative ...
by PalmQueen
Tue Aug 21, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: NOL Carryover from Trust - Where/How to Claim Them
Replies: 6
Views: 469

Re: NOL Carryover from Trust - Where/How to Claim Them

On 2017 tax forms, you would list the NOL carryover amount as a negative on line 21 of Form 1040; and then list the regular NOL and AMT NOL amounts on lines 10 and 11 respectively of AMT Form 6251. Thank you MarkNYC. I really appreciate your help. To be sure I understand correctly, is the negative ...
by PalmQueen
Mon Aug 20, 2018 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: NOL Carryover from Trust - Where/How to Claim Them
Replies: 6
Views: 469

Re: NOL Carryover from Trust - Where/How to Claim Them

The K-1 should tell you where to report it. It would appear to be on Schedule E of your return. Gill Thanks Gill. That does look like the place. As far as I can tell, the form doesn't specify "regular" or "minimum". I haven't found anything that provides guidance on when you can deduct "regular" an...
by PalmQueen
Mon Aug 20, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: NOL Carryover from Trust - Where/How to Claim Them
Replies: 6
Views: 469

NOL Carryover from Trust - Where/How to Claim Them

Greetings wise Bogelhead friends, I'm hoping some of you can provide clarification to me about Net Loss Carryovers that were passed on to me as a beneficiary of an Irrevocable Trust. The "first and final" tax return for the trust generated losses that were distributed to the beneficiaries. My share ...
by PalmQueen
Sat Aug 18, 2018 10:19 pm
Forum: Personal Investments
Topic: Advice Request: Considering removing advisor from IRA
Replies: 19
Views: 2168

Re: Advice Request: Considering removing advisor from IRA

Sorry, can't help you on selling/buying individual bonds. I've always owned only bond funds such as Vanguard Intermediate-Term Bond Index Fund Admiral, VBILX. This fund holds thousands of bonds and does all the selling and buying themselves when some bonds come due. I do nothing between buying some...
by PalmQueen
Thu Aug 16, 2018 11:23 am
Forum: Personal Investments
Topic: Octogenarian father in law's idea of balance: AAPL + CASH
Replies: 35
Views: 3781

Re: Octogenarian father in law's idea of balance: AAPL + CASH

Seems like a solution without a problem. The guy is in his 80's with a net worth of about six million bucks. The AAPL is only 10% of his net worth. If it crashed and burned to nothing, he could sell a property and get millions of dollars of cash in his hand. Why not just let it be? Moving from Appl...
by PalmQueen
Tue Aug 14, 2018 2:05 pm
Forum: Personal Investments
Topic: What am I missing about bonds...
Replies: 31
Views: 4296

Re: What am I missing about bonds...

Sorry flubbed the quote tool and don't see how to fix it, so I put the quote I'm referring to from Admiral in italics and my comment in bold. The issue is fairly simple: Given a choice of holding an investment like bonds (or bond funds), that makes regular, monthly coupon payments that are taxable a...
by PalmQueen
Fri Aug 10, 2018 6:21 pm
Forum: Personal Investments
Topic: Help - Safety Stow $ as family Trustee?
Replies: 9
Views: 746

Re: Help - Safety Stow $ as family Trustee?

Back to the case at hand. I visit my local Schwab office (or set up account access on line?). I should buy specifically what? If if were me, I'd make an appointment to meet with a rep at the local Schwab office. They may have additional advice on how to accomplish your objectives beyond what to buy...
by PalmQueen
Wed Aug 08, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 7356

Re: "Dollar Tree Store" favorites

Helium filled balloons!

Also -
Gift bags
Platters/Plastic Food Containers I don't want returned to me for potluck-type events
by PalmQueen
Tue Aug 07, 2018 10:34 pm
Forum: Personal Investments
Topic: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting
Replies: 12
Views: 783

Re: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting

There are going to be some adjustments on the K1 in the year you sell. Thanks for the information. I think I'm going to get out before end of 2018, so will only deal with the K1 this one year. Can you elaborate on what type of "adjustments" are made to the K1 in the year of sale? Do they issue one ...
by PalmQueen
Tue Aug 07, 2018 4:55 pm
Forum: Personal Investments
Topic: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting
Replies: 12
Views: 783

Re: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting

IF DBC fit the bill in March AND you are ok with a K-1, why change? I personally wouldn't want the K-1. I'm not familiar with DBC to know, but I'm assuming it has not made a distribution this year & so you MIGHT only have to pay short term cap gain if you sold now (someone else may chime in & clari...
by PalmQueen
Tue Aug 07, 2018 4:50 pm
Forum: Personal Investments
Topic: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting
Replies: 12
Views: 783

Re: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting

Rule #1 of investing......never buy something with a K1 form. Rule #2.....repeat rule 1. Seriously even if all goes well, often you get the K1 very late and often they get revised. I would sell it before year end, deal with whatever you have to for tax year 2018 and never do it again. This is all b...
by PalmQueen
Tue Aug 07, 2018 4:49 pm
Forum: Personal Investments
Topic: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting
Replies: 12
Views: 783

Re: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting

There are going to be some adjustments on the K1 in the year you sell. Thanks for the information. I think I'm going to get out before end of 2018, so will only deal with the K1 this one year. Can you elaborate on what type of "adjustments" are made to the K1 in the year of sale? Do they issue one ...
by PalmQueen
Tue Aug 07, 2018 8:57 am
Forum: Personal Investments
Topic: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting
Replies: 12
Views: 783

Re: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting

unclescrooge wrote:
Tue Aug 07, 2018 12:04 am
Buy an ETN instead of a commodity ETF.
Good idea. I'll look into them.
by PalmQueen
Tue Aug 07, 2018 8:57 am
Forum: Personal Investments
Topic: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting
Replies: 12
Views: 783

Re: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting

boglerdude wrote:
Mon Aug 06, 2018 11:55 pm
Alternative funds are being discussed here viewtopic.php?p=4054962
Thanks for the link. Good information.
by PalmQueen
Mon Aug 06, 2018 4:53 pm
Forum: Personal Investments
Topic: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting
Replies: 12
Views: 783

Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting

I found this site about a month ago and so appreciate the wealth of information shared by everyone. I’ve been using your methodology to get up to speed to transition to a primarily MF/MM based portfolio to more low cost funds. As part of my portfolio review, I uncovered a surprise, which I’d like to...
by PalmQueen
Sat Aug 04, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Durable Power of Attorney: Implementation Report
Replies: 60
Views: 5592

Re: Durable Power of Attorney: Implementation Report

And if I can convince her, we will find another brick and mortar bank. I'm not a profane person but I can no longer say the Wells Fargo name without placing a profanity in front of it. We've had accounts with WF and Fidelity for years and years. Recently when I needed to do something out of the nor...
by PalmQueen
Thu Aug 02, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Need help to sell family farm.
Replies: 41
Views: 6108

Re: Need help to sell family farm.

With regard to revealing the price, the lawyer noted that giving no asking price in the solicitation letter will invite very low bids, while asking an inflated price will probably scare off potential buyers. I guess if only low bids come in, I can try to negotiate the highest ones up to my desired ...
by PalmQueen
Thu Aug 02, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 814
Views: 94507

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Not mentioned on the news with all the hype of ZERO, Fido's now charging $49.95 per purchase of non-Fidelity MFs. It looks like there will still be a selection of $0 fee non-Fidelity MFs, but for the rest the sales fee goes from $4.95 to $49.95. For the non-BH theory investor using Fido, that will d...
by PalmQueen
Tue Jul 31, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Need help to sell family farm.
Replies: 41
Views: 6108

Re: Need help to sell family farm.

Koala, Sorry for the delay, I have been on vacation and away from communication. You have received some good advise on not sharing your number with anyone. If you decide to go the auction route keep in mind auctioneers are not to be trusted. They provide a valuable service but are one step below us...
by PalmQueen
Tue Jul 31, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Choosing a trustee
Replies: 46
Views: 3745

Re: Choosing a trustee

The primary reason I would never name a corporate trustee is, as I found from personal experience, once they're named, they've got that account forever and can do whatever they want and the beneficiaries have no recourse. By naming a corporate trustee, that company would control the financial aspect...
by PalmQueen
Fri Jul 27, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Needed appraisal of farm land?
Replies: 18
Views: 1318

Re: Needed appraisal of farm land?

I inherited some farm land a couple years ago. Everything was smooth. A while ago I found out that my brother-in-law and sister had the adjoining parcel they inherited appraised at the time they acquired it. I had never thought about having it appraised at that time. Now that I think about it I won...
by PalmQueen
Wed Jul 25, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice will vs trust for my situation
Replies: 30
Views: 2744

Re: Need advice will vs trust for my situation

If no family is available, I'd tap that trusted, level-headed friend. Unfortunately, these don't exist in many situations. Also, trusted friends can die, become distracted by life, lose interest, etc. There are too many stories of corporate trustees putting their profit/interests before those of th...
by PalmQueen
Wed Jul 25, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice will vs trust for my situation
Replies: 30
Views: 2744

Re: Need advice will vs trust for my situation

I concur with those who recommend some type of trust. My caveat, from experiences of many, is that under no circumstances would I name a specific corporate trustee. If no family is available, I'd tap that trusted, level-headed friend. This doesn't mean the friend has to do the work themselves. It me...
by PalmQueen
Wed Jul 25, 2018 11:34 am
Forum: Personal Investments
Topic: Schwab Intelligent Portfolios (2 months in)
Replies: 27
Views: 4229

Re: Schwab Intelligent Portfolios (2 months in)

JamesSFO - Thank you for doing this test and posting your results. Very interesting.
by PalmQueen
Sun Jul 22, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Need help to sell family farm.
Replies: 41
Views: 6108

Re: Need help to sell family farm.

You're on the right track in doing your research. I'd be skeptical about limiting myself to the pool of potential buyers you've identified though. The local auctioneers/realtors also have their own lists of probable buyers which could be added to yours. There's another type of auction where it's adv...
by PalmQueen
Sun Jul 22, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Need help to sell family farm.
Replies: 41
Views: 6108

Re: Problems with sale of property. Please help.

You have a variety of options that shouldn't cost you a great deal of money. I assume this is a working grain farm which makes the sale much easier than a cattle operation. Without knowing your location I will offer some insights based on my location(Midwest). Given you have an appraisal in hand I ...
by PalmQueen
Sat Jul 21, 2018 7:03 pm
Forum: Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 103
Views: 10037

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

I am in the sell-the-stock-and-buy-an-index-fund camp. The only reason to hold onto a concentrated stock position is to avoid paying capital gains taxes during your lifetime so that you can pass on to your children with a step up in basis. And this is exactly what your dad did. In effect, he took o...
by PalmQueen
Tue Jul 17, 2018 10:49 pm
Forum: Personal Investments
Topic: Thoughts on using an ETF for TIPS investing
Replies: 22
Views: 2669

Re: Thoughts on using an ETF for TIPS investing

In a taxable account the interest and principal correction from inflation for I-bonds and TIPS is state-tax-free. If you hold individual TIPS you will have to pay Federal tax on the interest and principal correction of each bond annually, but you only will receive any principal correction when you ...
by PalmQueen
Tue Jul 17, 2018 4:38 pm
Forum: Personal Investments
Topic: Thoughts on using an ETF for TIPS investing
Replies: 22
Views: 2669

Re: Thoughts on using an ETF for TIPS investing

Thanks! I'm looking at SCHP from Schwab which looks similar to iShares TIP. (At the moment they have a bit of an edge in the costs.) While I'm looking to just buy and hold, I'm wondering what the process is when one does sell. Since it's an ETF holding bonds with varying maturities, what sort of pe...
by PalmQueen
Tue Jul 17, 2018 4:37 pm
Forum: Personal Investments
Topic: Thoughts on using an ETF for TIPS investing
Replies: 22
Views: 2669

Re: Thoughts on using an ETF for TIPS investing

Greetings - Currently, the "fixed income position" in my portfolio consists of money market accounts. I'm tempted to leave it there now that interest rates are on the rise but also feel there are other options which would provide better returns which also have low risk. Define what you mean by risk...
by PalmQueen
Mon Jul 16, 2018 4:17 pm
Forum: Personal Investments
Topic: Thoughts on using an ETF for TIPS investing
Replies: 22
Views: 2669

Re: Thoughts on using an ETF for TIPS investing

We are non-USA domiciles. We use ITPS which is the Ireland domiciled equivalent to iShares TIP. 15% of our 40/60 portfolio is in ONE TIPS ETF. We like it just fine. We use the TIPS ETF to protect 25% of our fixed income allocation from unexpected inflation. That's good to hear. Can I ask which ETF ...
by PalmQueen
Mon Jul 16, 2018 12:07 am
Forum: Personal Investments
Topic: Thoughts on using an ETF for TIPS investing
Replies: 22
Views: 2669

Re: Thoughts on using an ETF for TIPS investing

galeno wrote:
Fri Jul 13, 2018 7:33 pm
15% of our 40/60 portfolio is in ONE TIPS ETF. We like it just fine.

We use the TIPS ETF to protect 25% of our fixed income allocation from unexpected inflation.
That's good to hear. Can I ask which ETF you're using? Thanks.
by PalmQueen
Thu Jul 12, 2018 9:03 pm
Forum: Personal Investments
Topic: Thoughts on using an ETF for TIPS investing
Replies: 22
Views: 2669

Re: Thoughts on using an ETF for TIPS investing

I have a follow-up question: The main reason ETFs appeal to me rather than just buying TIPS directly is that I had the impression those shares could be bought and sold without regard to the length of terms of the TIPS held in the fund, making the funds a bit more liquid. Was I confused about that? ...
by PalmQueen
Wed Jul 11, 2018 11:34 pm
Forum: Personal Investments
Topic: Thoughts on using an ETF for TIPS investing
Replies: 22
Views: 2669

Re: Thoughts on using an ETF for TIPS investing

Thank you for your insights. I'll consolidate responses to your questions - grabiner - Thank you for your welcome. You make good points about I-Bonds. They're more attractive since there's only a small penalty if you need to cash them out. Most of these funds are what I call sideline cash, so doubt ...
by PalmQueen
Wed Jul 11, 2018 6:46 pm
Forum: Personal Investments
Topic: Thoughts on using an ETF for TIPS investing
Replies: 22
Views: 2669

Thoughts on using an ETF for TIPS investing

Greetings - Currently, the "fixed income position" in my portfolio consists of money market accounts. I'm tempted to leave it there now that interest rates are on the rise but also feel there are other options which would provide better returns which also have low risk. Hence, I'm looking at ETFs th...