Search found 171 matches
- Sun Mar 24, 2024 10:00 am
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Sandhill Cranes are back here in western MT as of about a week ago. In our yard over the last week…Robins, Red-winged Blackbirds, Song Sparrow, Dark-eyed Juncos, a pair of Gray Partridges, and approximately 75 Bohemian Waxwings this morning.
- Fri Mar 22, 2024 8:32 pm
- Forum: Personal Consumer Issues
- Topic: What are you listening to now
- Replies: 5832
- Views: 590807
Re: What are you listening to now
William Elliott Whitmore in advance of seeing him at a 50 seat listening room in June.
Roots!!! Banjo!!!
Roots!!! Banjo!!!
- Mon Jan 15, 2024 9:20 pm
- Forum: Personal Investments
- Topic: Private investment opportunity
- Replies: 37
- Views: 4177
Re: Private investment opportunity
Be sure you understand the impact on your income tax preparation…I would want to know how many K-1’s I would be receiving, the timing of receiving them (you’ll almost certainly end up extending your returns during the duration of the investments) and if you’ll need to file returns in additional states based on where the companies representing the investments are located. And, then discuss potential additional tax prep fees with your preparer if you use one. Yeah, I think I would receive a K-1 for each investment that is made. I'm investing at the deal level not fund level so this could end up being 10-15 different K-1s. A lot of the investments lately have been overseas too, not sure if you have experience with that from a tax perspective....
- Mon Jan 15, 2024 7:09 pm
- Forum: Personal Investments
- Topic: Private investment opportunity
- Replies: 37
- Views: 4177
Re: Private investment opportunity
Be sure you understand the impact on your income tax preparation…I would want to know how many K-1’s I would be receiving, the timing of receiving them (you’ll almost certainly end up extending your returns during the duration of the investments) and if you’ll need to file returns in additional states based on where the companies representing the investments are located. And, then discuss potential additional tax prep fees with your preparer if you use one.
- Mon Jan 15, 2024 7:09 pm
- Forum: Personal Investments
- Topic: Private investment opportunity
- Replies: 37
- Views: 4177
Re: Private investment opportunity
Be sure you understand the impact on your income tax preparation…I would want to know how many K-1’s I would be receiving, the timing of receiving them (you’ll almost certainly end up extending your returns during the duration of the investments) and if you’ll need to file returns in additional states based on where the companies representing the investments are located. And, then discuss potential additional tax prep fees with your preparer if you use one.
- Wed Jan 03, 2024 3:51 pm
- Forum: Personal Investments
- Topic: When does Vanguard update its RMD calculations?
- Replies: 24
- Views: 3968
Re: When does Vanguard update its RMD calculations?
MIL’s 2024 RMD amount was visible on Vanguard yesterday (1/2/24)
- Thu Dec 28, 2023 12:18 pm
- Forum: Personal Investments
- Topic: Optimal Bond Choice in our Taxable Account
- Replies: 9
- Views: 1084
Re: Optimal Bond Choice in our Taxable Account
Grabiner: I knew the risk issue would be raised, thank you for the reinforcement
Stan1: intermediate term (10-15 yrs) hence looking for “medium duration”, thanks for the suggestion
Outer Marker: thanks however I’m actually in the process of moving away from iBonds and liquidating our existing holdings as part of a simplification plan. I’ve appreciate returns on the shorter duration instruments but am looking to intermediate term as consistent with our IPS. Am content to let the AA drift but am not going to intentionally change our AA through new equity purchases
Much appreciated.
Stan1: intermediate term (10-15 yrs) hence looking for “medium duration”, thanks for the suggestion
Outer Marker: thanks however I’m actually in the process of moving away from iBonds and liquidating our existing holdings as part of a simplification plan. I’ve appreciate returns on the shorter duration instruments but am looking to intermediate term as consistent with our IPS. Am content to let the AA drift but am not going to intentionally change our AA through new equity purchases
Much appreciated.
- Thu Dec 28, 2023 9:41 am
- Forum: Personal Investments
- Topic: Optimal Bond Choice in our Taxable Account
- Replies: 9
- Views: 1084
Re: Optimal Bond Choice in our Taxable Account
Thanks whodidntante, but no thanks, satisfied with our allocation and not sure where you get the “poor expected returns”(?)…I’m satisfied with the returns that I’m expected returns of the asset class and returns going forward for the next few years are very likely expected to be substantially better than last couple of years. Anyhow, the positioning we’re doing is based on asset allocation and not on timing of returns.whodidntante wrote: ↑Wed Dec 27, 2023 9:23 pm If you're open to reconsidering your target allocation, I suggest equity index ETFs rather than bonds. Bonds have poor expected returns and are taxed heavily in the USA.
Thanks retired@50…exactly what I was looking for!
- Wed Dec 27, 2023 9:16 pm
- Forum: Personal Investments
- Topic: Optimal Bond Choice in our Taxable Account
- Replies: 9
- Views: 1084
Re: Optimal Bond Choice in our Taxable Account
Thanks but none of those: Montana
- Wed Dec 27, 2023 8:11 pm
- Forum: Personal Investments
- Topic: Optimal Bond Choice in our Taxable Account
- Replies: 9
- Views: 1084
Optimal Bond Choice in our Taxable Account
Hi all, I’m trying to figure out if there is a clearly optimal choice for our bond holdings in a taxable account. Our IRA’s are completely in TIPS (combo of medium & long duration), and we still need to hold quite a bit of medium term fixed income in our taxable account to achieve our target allocation. The funds for this are currently in T-bills maturing in 2024, in order to manage our taxable income in 2023. Normally, I think this would be a simple exercise in tax equivalent yields (TEY) and maybe still is. The specifics: We’re considering mostly Treasuries (individual bonds or funds) vs Muni’s(funds), with a medium term duration, and not inclined to hold TIPS (funds or individual bonds) in taxable although not completely opposed to i...
- Sun Dec 17, 2023 7:41 pm
- Forum: Personal Finance (Not Investing)
- Topic: How to afford vet school for sophomore kid?
- Replies: 106
- Views: 14559
Re: How to afford vet school for sophomore kid?
+1
My class at Ohio State in 1986 was the last class at Ohio State to be more than 50% male at about 51%. Women make up about 80-90% of most graduating classes and have for a long time.
- Thu Dec 14, 2023 9:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: How to afford vet school for sophomore kid?
- Replies: 106
- Views: 14559
Re: How to afford vet school for sophomore kid?
As a veterinarian myself I can tell you it’s a career of the heart there was no roi being considered. Students set on it will persevere through all manner of hurdles. I’ve loved every bit of it- a few late calls excepted- and happy in my career of almost 30 years. Demand is high and starting pay has jumped considerably for new vets. If she stays serious consider her gaining residency in a state with a program or with reciprocity to another state so that she pays in-state. Military another good option. The profession has been aware of the education costs and Univ of AZ has a new accelerated program to get thru quicker and cheaper for example. Probably more of this will be in place by the time she’s ready. Keep her volunteering and exposed t...
- Tue Nov 28, 2023 9:41 am
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Yes, sort of…it’s a murmuration when they’re flying in a swirling pattern in the sky. In this case, they just flew in and occupied most of the branches of the trees and shrubs in a part of our yard.
- Mon Nov 27, 2023 9:15 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Flock of approximately 100 Bohemian Waxwings swarmed into the shrubs and trees in the yard for a few minutes today!
- Fri Nov 03, 2023 7:10 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Red Crossbills at our feeders the last 2 days: highest count was 9, with 6 males & 3 females
- Tue Oct 31, 2023 8:10 pm
- Forum: Personal Consumer Issues
- Topic: Books that Really Changed/Helped You/Your Perspective and Why?
- Replies: 75
- Views: 10873
Re: Books that Really Changed/Helped You/Your Perspective and Why?
+1 for Being Mortal.
How We Die by Sherwin Nuland
Poverty, by America by Matthew Desmond
Desert Solitaire by Edward Abbey (and any/all of his essays)
How We Die by Sherwin Nuland
Poverty, by America by Matthew Desmond
Desert Solitaire by Edward Abbey (and any/all of his essays)
- Sat Oct 28, 2023 1:07 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Snowing for last 4 days here in Bozeman: 5 Tundra Swans flew by this morning
- Mon Sep 04, 2023 7:16 pm
- Forum: Personal Consumer Issues
- Topic: What are you listening to now
- Replies: 5832
- Views: 590807
Re: What are you listening to now
The Rumble featuring Chief Joseph Boudreaux Jr, an excellent New Orleans funk band that opened for Tab Benoit at his recent show we attended. Not to be confused with Link Wray’s seminal song “Rumble”!!
- Sat Aug 26, 2023 8:16 pm
- Forum: Personal Consumer Issues
- Topic: What are you listening to now
- Replies: 5832
- Views: 590807
Re: What are you listening to now
Duane Allman, an all time great. Listening to Duane Allman Anthologies 1 & II are a staple of my listening, always.Horologium wrote: ↑Fri Aug 25, 2023 11:46 amDuane Allman's untimely death was a terrible loss to the music world. The amount of great music he produced in his too short career is amazing. My personal favorite is "Loan Me a Dime" with Boz Scaggs.
Currently listening to Tab Benoit in preparation for seeing him on Monday night for about the 6th time in several decades. Check him out if you like blues on the Telecaster.
- Sun Aug 13, 2023 7:34 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Two separate sightings of Olive-sided Flycatcher in the past 3 days as well as an American Dipper feeding a fledgling.
- Sun May 14, 2023 10:55 am
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
99 species of birds observed at Point Pelee National Park in Ontario May 5-9 as well as a brief stop at Magee Marsh in OH.
- Sat Apr 29, 2023 3:01 pm
- Forum: Personal Consumer Issues
- Topic: Big Bend National Park
- Replies: 15
- Views: 2249
Re: Big Bend National Park
I lived there (Alpine) for 2 years about 20 yrs ago and loved it then, and still do when we go back once in a while. Great place to just poke around, take pictures, hike, bird, etc depending on time of the year. Super hot in the summer except at elevation in Chisos or Davis mountains. A few additional highlights outside BBNP. Fort Davis: good for history (the old fort), MacDonald’s Observatory (go to a star party) and Fort Davis State Park Marfa: Minimalist art at the Judd Foundation and great atmosphere overall, see the Marfa Lights (between Marfa & Alpine) Terlingua: stay in one of the restored stone cottages, walk through the cemetery Alpine: Museum of the Big Bend at Sul Ross State University Marathon: Post Park (birding) Balmorhea ...
- Tue Mar 28, 2023 9:34 am
- Forum: Personal Consumer Issues
- Topic: Northern Lights are on fire 3/28/23
- Replies: 4
- Views: 954
Re: Northern Lights are on fire 3/28/23
Definitely more vivid with the camera but the visuals became more pronounced as we were our longer, I think as our eyes adjusted. The “plume” was amazing, as were the pulsing waves that weren’t captured with these images.
- Tue Mar 28, 2023 9:16 am
- Forum: Personal Consumer Issues
- Topic: Northern Lights are on fire 3/28/23
- Replies: 4
- Views: 954
Re: Northern Lights are on fire 3/28/23
We had good looks at them last week…
- Wed Mar 22, 2023 8:50 pm
- Forum: Personal Consumer Issues
- Topic: What are you listening to now
- Replies: 5832
- Views: 590807
Re: What are you listening to now
We saw a great duo live last week in a local 50 seat venue: Rob Ickes and Trey Hensley. Stellar musicianship on dobro and acoustic guitar. Www.robandtrey.com
- Fri Mar 17, 2023 2:19 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Cassin’s Finch numbers grew over the last week with our incoming snow, reaching a high of 23. Just saw a Rough-legged Hawk dark morph fly by, These are common hawks here in winter but the dark morphs aren’t that common.
- Sun Mar 05, 2023 10:10 am
- Forum: Investing - Theory, News & General
- Topic: Are you buying EE bonds in 2023?
- Replies: 157
- Views: 17172
Re: Are you buying EE bonds in 2023?
We just wrapped up selling off our EE bonds, all acquired over the last 3 yrs and are permanently abandoning our “DIY annuity” plan. Due to the overall changes in the interest rate environment, a substantial positive and unexpected financial event and only being 3 yrs into the 10 yr purchase plan. And, while we didn’t make any meaningful returns in the 3 yrs, we also got 100% of principal back (along with a trivial amount of interest.)
- Thu Feb 23, 2023 6:28 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Bitter cold here has brought Cassin’s Finches: ranging from 3 a few days ago to 8 today.
- Mon Feb 20, 2023 1:27 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Brief glimpse of a Northern Goshawk in the neighborhood last week.
- Sun Feb 12, 2023 8:06 pm
- Forum: Personal Consumer Issues
- Topic: What are you listening to now
- Replies: 5832
- Views: 590807
Re: What are you listening to now
Some guitar music after seeing a great show this past week, International Guitar Night with flamenco (1), classical(1) and jazz guitarists (2)… https://internationalguitarnight.com/ …
Saturday Night in San Francisco - Di Meola, McLaughlin, de Lucia (follow up to Friday Night in San Francisco)
Saturday Night in San Francisco - Di Meola, McLaughlin, de Lucia (follow up to Friday Night in San Francisco)
- Thu Feb 09, 2023 10:05 am
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Half a dozen Sharp-tailed Grouse came by for about 20 minutes. We had a pair show up daily for about 2 weeks last winter. This is unusual in our neighborhood.
- Thu Feb 09, 2023 10:03 am
- Forum: Personal Investments
- Topic: Transfer HSA from Optum to Fidelity
- Replies: 33
- Views: 7126
Re: Transfer HSA from Optum to Fidelity
As an update to this topic, my wife just tried to rollover her HSA from former employer at Optum to Fidelity by initiating the request at Fidelity. 30 days later, she gets a notice (online) from Fidelity that Optum only allows requests to come directly from the account holder and not from other institutions. This seems different from when we did something similar a couple of years ago with my HSA and from what I’ve read here at BH. We’ll now go through Optum.
- Thu Feb 02, 2023 6:50 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Evening Grosbeaks
- Mon Jan 02, 2023 9:21 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
- Sun Jan 01, 2023 7:00 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Flocks of Bohemian Waxwings performing murmurations over the neighborhood. Latest flock numbers ~125
- Tue Dec 27, 2022 9:31 am
- Forum: Personal Consumer Issues
- Topic: How do you find (original) art to hang on your walls?
- Replies: 33
- Views: 4019
Re: How do you find (original) art to hang on your walls?
She’s a really great young woman who already has one of her works in the Smithsonian at the Museum of the American Indian. We’ve got 4 of her prints in our home.SR II wrote: ↑Tue Dec 27, 2022 2:30 amI like her style!Hubris wrote: ↑Mon Dec 26, 2022 12:15 pm Check out our neighbor, Stella Nall at https://stellanall.com/
- Mon Dec 26, 2022 12:15 pm
- Forum: Personal Consumer Issues
- Topic: How do you find (original) art to hang on your walls?
- Replies: 33
- Views: 4019
Re: How do you find (original) art to hang on your walls?
Check out our neighbor, Stella Nall at https://stellanall.com/
- Tue Dec 20, 2022 11:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: $480k in debt
- Replies: 75
- Views: 11787
Re: $480k in debt
Re: using the spouse’s taxable brokerage account to pay off the OP’s student loan debt, just a note of caution to check in with spouse about how they want their taxable brokerage account used and/or about whether there is a marital contract or prenup. Lower earning spouse putting the physician through med training via household and financial support then later marriage dissolves (and lower earner isn’t made whole) is a real thing that occurs with some frequency.
I’m all for a married couple being “all in, all together” but life experience suggests that caution is needed in this area.
I’m all for a married couple being “all in, all together” but life experience suggests that caution is needed in this area.
- Wed Nov 23, 2022 6:42 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
American Tree Sparrow…just one at the feeder.
- Mon Oct 31, 2022 5:44 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Grey Partridges (aka Hungarian Partridges or “Huns”) are back, flock of about a dozen. We also had a Ruffed Grouse die in a window strike.
- Fri Jul 15, 2022 9:08 pm
- Forum: Personal Consumer Issues
- Topic: Solar Users - did your energy use change?
- Replies: 24
- Views: 2498
Re: Solar Users - did your energy use change?
Garage and workshop heaters, hot tub, mini split AC x2; but we would have done all of these regardless
- Tue Jul 12, 2022 11:23 pm
- Forum: Personal Consumer Issues
- Topic: About to buy a Subaru Ascent
- Replies: 19
- Views: 2632
Re: About to buy a Subaru Ascent
Toyota Highlander Hybrid was our preference in March, over Ascent. We test drove a 1 yr old Ascent as the new ones were all waiting for a chip of some sort so couldn’t be driven. 2nd row seating in the Highlander seemed better than the Ascent. Our other car is a Subaru Forester (2015) so we had a pro-Subaru bias. We did need to wait about 6 weeks for the Highlander to be built but were already driving a rental due to the Forester being in the shop after an accident.
- Wed Jun 08, 2022 1:51 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Lazuli Bunting, Western Tanager, Black-headed Grosbeak, Spotted Towhee…all gorgeous, and at our feeders recently. Also, birding this past weekend, there must have been a “fallout” of a migrating flock of Western Tanagers and Eastern Kingbirds…easily 300 of the former and 100 of the latter in a 3 mile stretch along a local lake.
- Sat Apr 30, 2022 3:13 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Cassin’s Finches
- Mon Apr 25, 2022 10:51 am
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Black Rosy-finch yesterday, mixed in with the Gray-crowned Rosy-finches!
- Thu Apr 14, 2022 12:15 am
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Spring winter storm a few days ago blew in about 15 Gray-crowned Rosy-finches…my first time seeing them and a real treat.
- Tue Apr 12, 2022 5:01 pm
- Forum: Personal Investments
- Topic: Excess Contribution in Roth- What do I do now?
- Replies: 11
- Views: 1522
Re: Excess Contribution in Roth- What do I do now?
OP, same thing happened to my MIL who is also with Vanguard. She chose to withdraw the excess contribution also, and just emailed VG from their messaging function “inside” their platform (once logged in) and they sent her back instructions about how to do it online (again through their platform).Instructions we’re very simple, used DocuSign for signi;g and all was completed within 72 hrs of her initiating from their instructions.
- Sun Apr 03, 2022 2:46 pm
- Forum: Investing - Theory, News & General
- Topic: liquidity as happiness
- Replies: 135
- Views: 14358
Re: liquidity as happiness
Lack of liquidity when needed is incredibly stressful. If one hasn’t ever experienced a liquidity crisis (personally or in business), it’s hard to convey the magnitude of the stress involved. A wise mentor once told me the following which I relay to my consulting clients: “Everything works better when the money works.”
- Fri Mar 25, 2022 10:29 am
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2857
- Views: 230267
Re: Bird watchers – what birds are you seeing?
Spring migrants trickling in…Sandhill Cranes, Robins, Red-winged Blackbirds, and a Western Meadowlark. While we still have a few Common Redpolls and the covey of “Huns” (Gray Partridges) is down to 1 pair, as they’ve paired up and dispersed.
- Sat Mar 05, 2022 1:26 pm
- Forum: Personal Consumer Issues
- Topic: Mid-Size SUV recs & local dealer important?
- Replies: 30
- Views: 3725
Re: Mid-Size SUV recs & local dealer important?
Congrats again.