Search found 757 matches

by PinotGris
Mon Apr 12, 2021 12:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 98
Views: 7687

Re: Vanguard Portfolio Watch has a new look

So I found out that if you toggle to the Reader view in Firefox you get a very simple breakdown of the the entire portfolio with dollars and percentage breakdown. I liked it.
by PinotGris
Sun Apr 11, 2021 3:09 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads blog: a new rebalancing study
Replies: 148
Views: 13693

Re: Bogleheads blog: a new rebalancing study

Dunno - rebalancing helped me - when I had to do *something*. During the Covid crisis, I rebalanced when my 77/23 drifted down to 72/28. And rebalanced when it hit ~82/XX - but this time to 80/20. It's went back to 84/16 - and haven't rebalanced since. Maybe it's a psychological thing - that rebala...
by PinotGris
Sun Apr 11, 2021 1:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 98
Views: 7687

Vanguard website revamp

[Thread merged into here --admin LadyGeek] The website structure has changed a lot. The important ones I have noticed: I just noticed a Profile and Account Settings and in that there is a place to enter a Trusted Contact. If Vanguard feels that you are having difficulty managing your account they w...
by PinotGris
Thu Mar 25, 2021 6:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5075
Views: 1323724

Re: What Book Are You Currently Reading? Part VI

mega317 wrote: Tue Mar 23, 2021 2:51 pm
PinotGris wrote: Sat Dec 05, 2020 1:04 pm Promised land by Obama. 700 pages, nobody need to say anything for 700 pages.
It's only volume 1, it ends in 2011!
I am on the last few pages. Very enjoyable.
by PinotGris
Thu Mar 18, 2021 4:48 pm
Forum: Investing - Theory, News & General
Topic: Where to keep cash 2021
Replies: 4
Views: 1178

Where to keep cash 2021

I know this question has been asked before, this is the 2021 version. I have always reinvested all the dividends in the taxable account. Lately with the market so high I have let the dividends accumulate in the VG Federal Cash Reserve MM account. I feel uneasy when I think it is not FDIC insured. We...
by PinotGris
Sun Mar 14, 2021 3:57 pm
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 149
Views: 9599

Post Covid Family vacation

What your plans? We are planning a family vacation with my son and his wife in Alabama and my daughter and her family with 2 teenagers in LA and we both live in the east coast. All we know right now is we want to be together, first week in August, and planning a trip that will have something for eve...
by PinotGris
Tue Mar 02, 2021 6:02 pm
Forum: Investing - Theory, News & General
Topic: "Make Fewer Things Matter: My Epiphany From Cutting A Pineapple" Pineapple"
Replies: 26
Views: 4155

Re: "Make Fewer Things Matter: My Epiphany From Cutting A Pineapple" Pineapple"

Bogleheads: As many of you know, I enjoy reading (good) investment newsletters. One of these is "The Finance Buff." This is a recent article: Make Fewer Things Matter: My Epiphany From Cutting A Pineapple Best wishes. Taylor Jack Bogle's Words of Wisdom: “Learn every day, but especially f...
by PinotGris
Mon Feb 22, 2021 4:39 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6557
Views: 1450617

Re: What Movie Have You Recently Watched?

"I Care a Lot" on Netflix - 3/5 "Hunt for the Wilderpeople" on Netflix - 5/5 I Care a Lot. I started to watch and first found it depressing putting myself in the role of the old woman played by Diane West, but intriguing. Then it turned out farcical and I lost interest. Thew Wil...
by PinotGris
Wed Feb 17, 2021 4:33 pm
Forum: Personal Investments
Topic: Downloading Vanguard data into Turbo Tax
Replies: 12
Views: 930

Re: Downloading Vanguard data into Turbo Tax

I have downloaded all my div 1099-Div, 1099-B. i got our 1099 - R in the mail but that is available for download. Everything is working. TurboTax deluxe.
by PinotGris
Mon Feb 08, 2021 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: NO Gift Tax on Gifts >$15k in a Year
Replies: 138
Views: 13181

Re: NO Gift Tax on Gifts >$15k in a Year

Turbo Tax never asks you about gifts. Does it generate a form if you exceed the gift limit? Anybody done that?
In any case, i will let my inheritors to figure what to do if my gift one year exceeds by a dollar.
by PinotGris
Sun Jan 24, 2021 1:40 pm
Forum: Personal Investments
Topic: RMD from IRA with basis
Replies: 3
Views: 345

RMD from IRA with basis

I didn't find a solution to quite what my question is. If there is a discussion somewhere else please provide a link. I will need to start taking RMD from my traditional IRA which has a balance of 370 K. It was set up as a spousal IRA. This means a non-working spouse of an employed person could cont...
by PinotGris
Wed Jan 20, 2021 4:52 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2753
Views: 274105

Re: [What TV Show Have You Recently Watched?]

MDfan wrote: Wed Jan 20, 2021 3:34 pm Really enjoying Lupin on Netflix. French show that has been described as a combo of Ocean's 11 and To Catch a Thief. Very fun show so far. I think I read it's Netflix's 2nd-most watched original series ever.
Great series, excellent acting. Loved the theme. Cant wait for part 2.
by PinotGris
Wed Jan 20, 2021 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Advice to Avoid/Minimize MA Estate Tax
Replies: 60
Views: 3304

Re: Advice to Avoid/Minimize MA Estate Tax

Sounds like a great business for the restaurant. Use a lot of tables that might be hard to fill on a weeknight. Sponsors are good for the cost, or pay up front. Introduce the restaurant to customers with enough assets to care about estate planning and who might come back on their own. For the lawye...
by PinotGris
Wed Jan 20, 2021 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Advice to Avoid/Minimize MA Estate Tax
Replies: 60
Views: 3304

Re: Advice to Avoid/Minimize MA Estate Tax

[/quote]

If you go to the free dinner seminar and you’re the one who buys the annuity, the living trust, the timeshare, or the bridge, you paid for the free dinners for everyone in the room.
[/quote]
:sharebeer It is quite amazing how many people sign up for the "free" consultation.
by PinotGris
Tue Jan 19, 2021 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Advice to Avoid/Minimize MA Estate Tax
Replies: 60
Views: 3304

Re: Advice to Avoid/Minimize MA Estate Tax

I did not quite get the OP's comment about "lining up the pockets of bureaucrats"; I just looked at our last few years tax returns. My local taxes paid to my local MA town (real estate taxes, water bill and vehicle excise taxes) and the income tax that I paid to Mass State are comparable....
by PinotGris
Mon Jan 18, 2021 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Advice to Avoid/Minimize MA Estate Tax
Replies: 60
Views: 3304

Re: Advice to Avoid/Minimize MA Estate Tax

Would somebody comment on how the split between not_yet-taxed/brokerage/never_to_be_taxed/primary_home_value affects the total MA Estate tax or is that irrelevant to the MA Estate Tax calculations? For sake of example, let us say the $5MM comprises of $1MM primary home equity, $2MM(IRA, 401K), $1MM...
by PinotGris
Sun Jan 17, 2021 1:25 pm
Forum: Personal Investments
Topic: Roth Withdrawal to pay tax
Replies: 10
Views: 778

Re: Roth Withdrawal to pay tax

We are in our 70 and 80’s so no problem. I am not aware of the issue with the Roth withdrawal, is it also age related or is it to do with the age of the Roth itself? In any case no problem with the age of Roth either. I should have realized you must be over 59 1/2 when you mentioned RMD's. My apolo...
by PinotGris
Sun Jan 17, 2021 1:15 pm
Forum: Personal Investments
Topic: Roth Withdrawal to pay tax
Replies: 10
Views: 778

Re: Roth Withdrawal to pay tax

I am thinking why not do this every year, convert the tax amount to Roth, and draw it back tax free to pay the tax for the IRA RMD. What you are doing is essentially equivalent to converting a smaller amount to a Roth, and paying tax with an additional withdrawal from the traditional IRA. Suppose y...
by PinotGris
Sat Jan 16, 2021 12:10 pm
Forum: Personal Investments
Topic: Roth Withdrawal to pay tax
Replies: 10
Views: 778

Re: Roth Withdrawal to pay tax

Not sure I fully understand exactly what you did, but from a general point of view, paying taxes out of a Roth account is the dumbest financial move one can make. When converting IRA funds to Roth, you should convert the full amount and pay the taxes out of your taxable account. This strategy is ef...
by PinotGris
Sat Jan 16, 2021 11:06 am
Forum: Personal Investments
Topic: Roth Withdrawal to pay tax
Replies: 10
Views: 778

Roth Withdrawal to pay tax

When waiver of IRA RMD, the required minimum distribution, was announced we converted 100k to Roth in Vanguard Large Cap. VLCAX. In November we withdrew the estimated tax amount from the Roth account and had the entire amount withheld. While this is not the best way to do this with a Roth account i ...
by PinotGris
Thu Jan 14, 2021 12:05 pm
Forum: Personal Consumer Issues
Topic: Apple Macbook Air 2020 discounted
Replies: 35
Views: 3104

Re: Apple Macbook Air 2020 discounted

I am returning today the MacBook Air that I received a few days ago. I realized it was too small first of all. Learning to get around the system and operate it took too long. This was aggravated by the fact that it was defective. The screen would start glimmering and shimmering suddenly. Green would...
by PinotGris
Tue Jan 12, 2021 5:00 am
Forum: Personal Consumer Issues
Topic: Whats the best way to learn MacBook Air
Replies: 23
Views: 6640

Re: Whats the best way to learn MacBook Air

Bump up. My first Macbook air, brand new, just arrived. The M chip. Love apple products. Switching from windows and a LOT to learn The scheduled support call went badly. She talked non stop to thank me but i got one useful tip in the remaining short 30 min session, where do my downloads live. I am u...
by PinotGris
Mon Jan 11, 2021 3:48 am
Forum: Personal Consumer Issues
Topic: Password manager for Mac Air
Replies: 26
Views: 1984

Re: Password manager for Mac Air

Thanks for all the responses. It seems like keychain will work for me. That settles a big question of should i keep it or return it.i am averse to having to pay an annual fee. MS office is annual fee now also. One reason i am switching to Apple. The Macbook air screen seem so tiny. I have to enlarge...
by PinotGris
Sat Jan 09, 2021 9:57 pm
Forum: Personal Consumer Issues
Topic: Password manager for Mac Air
Replies: 26
Views: 1984

Password manager for Mac Air

I have my brand new first Mac. I am migrating to Mac from windows, although I have an iPhone and iPad for a few years now. I have made an appointment for some support in getting to know my machine. My first task is to get a new password manager. I have been using Keepass and I like it. It is free an...
by PinotGris
Sat Dec 26, 2020 7:47 pm
Forum: Personal Consumer Issues
Topic: TurboTax 2020 Price
Replies: 27
Views: 3653

Re: TurboTax 2020 Price

I just got it. Thanks for the heads up. I didn't get the gift card, too much small print conditions. I got the CD. I ordered it today and got the $10.00 gift certificate. What small print conditions made you decide to skip it? It looks like free money to me. It seemed like I am also signing up for ...
by PinotGris
Sat Dec 26, 2020 5:08 pm
Forum: Personal Consumer Issues
Topic: TurboTax 2020 Price
Replies: 27
Views: 3653

Re: TurboTax 2020 Price

I have no idea about that site but as I said in another thread, on Amazon on 12/28/2019 I bought Deluxe with state+$10 Amazon gift card for $39.98. Someone else said that they got this same deal on the 28th in both 2019 and 2018. There's no guarantees it will happen this year of course but Amazon a...
by PinotGris
Wed Dec 23, 2020 5:40 pm
Forum: Personal Consumer Issues
Topic: What are your Post COVID Vaccine Plans?
Replies: 16
Views: 1479

What are your Post COVID Vaccine Plans?

We are both in our 70's and 80's and will get our vaccines as soonas it is available for us. We have spent 3 weeks in CA in previous winters and where we have family. I can't help dreaming of booking a VRBO for early March maybe. We may end up in quarantine, still we will at least be in a warm place...
by PinotGris
Sat Dec 19, 2020 4:05 pm
Forum: Personal Consumer Issues
Topic: Apple Macbook Air 2020 discounted
Replies: 35
Views: 3104

Re: Apple Macbook Air 2020 discounted

Very good to know.
by PinotGris
Fri Dec 18, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: Apple Macbook Air 2020 discounted
Replies: 35
Views: 3104

Re: Apple Macbook Air 2020 discounted

So, I ordered the MacAir with M1 direct from Apple. Arriving Jan 5 - 21. :mrgreen:
Thanks for helping me think this through.
by PinotGris
Thu Dec 17, 2020 10:06 am
Forum: Personal Consumer Issues
Topic: Apple Macbook Air 2020 discounted
Replies: 35
Views: 3104

Re: Apple Macbook Air 2020 discounted

Just got the new 2020 MBP M1. It. Is. Amazing. Super fast. Great design. I love the controversial touch bar. I don't have to take the charger with me to work, just charge it overnight and it's good to go all day. Go with the M1, you won't be disappointed. I am not sure I like the touch recognition....
by PinotGris
Thu Dec 17, 2020 10:04 am
Forum: Personal Consumer Issues
Topic: Apple Macbook Air 2020 discounted
Replies: 35
Views: 3104

Re: Apple Macbook Air 2020 discounted

Has anyone bought a refurbished Macbook Air directly from Apple? Or a trusted place? The fact that you're asking the above question must mean that all the replies to your original post didn't convince you to go with the new product over the old product. What's driving your preference for the older ...
by PinotGris
Thu Dec 17, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: Apple Macbook Air 2020 discounted
Replies: 35
Views: 3104

Re: Apple Macbook Air 2020 discounted

Do you even need a laptop? You mention word and Excel. The type of Excel stuff I do, I prefer a much larger (27") screen to do it well. Also longevity and performance for your money is always better with desktops, in this case a 21" or 27" iMac. Granted they cost more but you should ...
by PinotGris
Thu Dec 17, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: Apple Macbook Air 2020 discounted
Replies: 35
Views: 3104

Re: Apple Macbook Air 2020 discounted

Has anyone bought a refurbished Macbook Air directly from Apple? Or a trusted place?
by PinotGris
Thu Dec 17, 2020 6:34 am
Forum: Personal Consumer Issues
Topic: Apple Macbook Air 2020 discounted
Replies: 35
Views: 3104

Apple Macbook Air 2020 discounted

With the new release Macbook Air, the older models, new, are priced at $800 for a 2020 model. Would you buy it from a reliable reseller to be sure it is not refurbished but new? I have other Apple products and like them all but not a computer. I need to replace my old with downloaded Windows 10 that...
by PinotGris
Sat Dec 05, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5075
Views: 1323724

Re: What Book Are You Currently Reading? Part VI

Promised land by Obama. 700 pages, nobody need to say anything for 700 pages. Easy reading though, he is a great story teller. Really enjoying it so far.
by PinotGris
Fri Dec 04, 2020 1:36 pm
Forum: Personal Consumer Issues
Topic: TurboTax 2020 Price
Replies: 27
Views: 3653

Re: TurboTax 2020 Price

HueyLD wrote: Fri Dec 04, 2020 12:18 pm According to this Intuit site, softwaredicountusa is not an authorized seller.

https://ttlc.intuit.com/community/choos ... e/00/25893
Thank you. I uninstalled it and got my charge reversed.
by PinotGris
Fri Dec 04, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: TurboTax 2020 Price
Replies: 27
Views: 3653

TurboTax 2020 Price

Has anyone purchased for softwaredicountUSA? They have Turbotax Deluxe with State for 40.00. I don't see this price anywhere else. I am worried what if it is not genuine?
by PinotGris
Tue Oct 27, 2020 11:04 pm
Forum: Personal Consumer Issues
Topic: Vacuum recommendations
Replies: 65
Views: 5251

Re: Vacuum recommendations

All great recommendations. I brought home a Dyson V8 from costco. I spent a day figuring out where i will store it and the parts. They recommend no colder than40 deg temp for the battery. So the garage or the unheated sun room is out here in New England. It took much thinking about installing the do...
by PinotGris
Fri Oct 16, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: Appliance purchase - Brand & Store Strategy
Replies: 20
Views: 1679

Re: Appliance purchase - Brand & Store Strategy

Need to purchase new appliances for a new home in what appears to be the midst of a nationwide appliance shortage. Was going to get low to middle cost standard appliances - not fancy. I'm interested in the BH feedback on the below issues: c. Buy higher end GE, Frigidaire or Whirlpool models from a ...
by PinotGris
Tue Oct 13, 2020 11:25 am
Forum: Personal Investments
Topic: Calculating Tax on Roth Conversion
Replies: 9
Views: 911

Re: Calculating Tax on Roth Conversion

I would not call what you did a "mistake", but it would have been easier to just have them withhold taxes. That's how I handle it and it is very simple. To know how much to withhold, I just add up the withholding from all other income sources and subtract that from my total tax the previo...
by PinotGris
Mon Oct 12, 2020 10:57 pm
Forum: Personal Investments
Topic: Calculating Tax on Roth Conversion
Replies: 9
Views: 911

Re: Calculating Tax on Roth Conversion

If you have sufficient after-tax resources it may be preferable to pay conversion taxes from them not from the Roth conversion itself through withholding or otherwise. However that might not be the case if doing so would, for example, trigger capital gains taxes on the funds you use to pay the inco...
by PinotGris
Mon Oct 12, 2020 9:59 pm
Forum: Personal Investments
Topic: Calculating Tax on Roth Conversion
Replies: 9
Views: 911

Re: Calculating Tax on Roth Conversion

There are a lot of variables that determine if you owe a penalty, including the date you did the conversion, when and how you have paid taxes this year, and whether you have paid at least as much in "timely" estimated taxes this year as you owed last year. Taking taxes out of the Roth isn...
by PinotGris
Mon Oct 12, 2020 9:06 pm
Forum: Personal Investments
Topic: Calculating Tax on Roth Conversion
Replies: 9
Views: 911

Calculating Tax on Roth Conversion

We are retired and over 71, and traditionally we take our RMD around October/November and have Vanguard withhold taxes by 30% and 10% for Fed and State. We end up with a refund every year. Last year we were in the 24 % Tax bracket, and will possibly be the same this year 2020 This year we decided to...
by PinotGris
Tue Sep 29, 2020 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Should I go for online Will making software?
Replies: 81
Views: 5738

Re: Should I go for online Will making software?

Maybe this has been discussed before. But given we are in pandemic, I wanted to ask once again... Should I go for online Will making software? I already have a living will made in MA 10 years back. Then I was married, my son was 3 years old, and I did not own a house. This was done with the help of...
by PinotGris
Sun Aug 16, 2020 8:08 pm
Forum: Personal Investments
Topic: Tax Withhodling on RMW (IRA)
Replies: 11
Views: 823

Re: Tax Withhodling on RMW (IRA)

Pinot - Does your $100K conversion have any IRMAA impact for you? I too am doing similarly large conversion since there is no required minimum distribution for tax year 2020, but for personal reasons am keeping our MAGI under the first IRMAA step-up. Personal choice there. It probably does. We have...
by PinotGris
Sun Aug 16, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 72
Views: 9104

Re: Comcast - lease modem/router or buy?

We always have rented. Our Router need to be replaced 2 or 3 time, at least once a year. Recently in thunderstorm the Router got fried or something, completely lost wifi, tv, phone. Next day we got a new one. I feel if i have any problem with wifi they will blame it on my router if i own it.
by PinotGris
Sun Aug 16, 2020 4:29 pm
Forum: Personal Investments
Topic: Tax Withhodling on RMW (IRA)
Replies: 11
Views: 823

Re: Tax Withhodling on RMW (IRA)

Bumping up. We always had Vanguard withhold taxes at time we took our withdrawals some time before Dec. Due to IRA RMW being waived this year, we converted 100k into Roth, and so owe tax on that. I have done a pro-forma Turbotax using 2019 numbers and just changing the RMW amount. We owe a small amo...
by PinotGris
Mon Jun 22, 2020 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary surprise
Replies: 47
Views: 6383

Re: Vanguard Beneficiary surprise

acebick wrote: Tue Jan 07, 2020 6:28 pm I don't understand..Does this only apply to joint account beneficiary for Vanguard brokerage if you live in PA or just because headquarters is in PA?
HQ is in PA
by PinotGris
Mon Jun 22, 2020 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary surprise
Replies: 47
Views: 6383

Re: Vanguard Beneficiary surprise

I ran into same problem with a joint account @ vanguard. They explained to me that with dealing with different states and different rules they just don't do POD's. I ended up putting the joint account in my name only with wife as primary benificary and our grown children as secondary. This is what ...
by PinotGris
Mon Jun 22, 2020 5:51 pm
Forum: Personal Consumer Issues
Topic: House cleaning in Covid
Replies: 25
Views: 1683

Re: House cleaning in Covid

Thank you all for your input. My house cleaner will start next week. I will have masks and gloves for her. I have been paying her directly from my bank while she was out and I will continue to do the same. She cleans the entire house and changes sheets. One thing out of the pandemic we have been cle...