Search found 1824 matches

by TheGreyingDuke
Mon Oct 03, 2011 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Ipad, Iphone security in Europe
Replies: 13
Views: 1370

Unlocking the ATT Iphone is quite simple, it takes about ten minutes, it costs nothing and you can do it in the comfort of your home.Do a quick search, using your favorite search engine and you will be there. If you ask nicely, ATT might unlock it for you if you have been a customer for a while and ...
by TheGreyingDuke
Sat Oct 01, 2011 5:10 pm
Forum: Personal Investments
Topic: Re-characterizing a ROTH conversion
Replies: 5
Views: 658

Thanks for the responses, and I see that I was unclear on one point. My income is well within the 15% bracket and will be for the next several years. I have made a practice of topping up to the limit of the 15% bracket (approximately $69k for couple) with conversions. Part of me wants to keep the mo...
by TheGreyingDuke
Sat Oct 01, 2011 11:23 am
Forum: Personal Investments
Topic: Re-characterizing a ROTH conversion
Replies: 5
Views: 658

Re-characterizing a ROTH conversion

Last year I moved $35k (Primecap) from my TIRA to my Roth. The share price has gone down since then from $65 to $58. Moving it back to my TIRA would seem a good move BUT... I calculated the original move to get me just to the top of the 15% Federal bracket. So moving it back will garner me a refund ...
by TheGreyingDuke
Wed Sep 28, 2011 9:01 pm
Forum: Personal Investments
Topic: How to treat Home and Land
Replies: 2
Views: 839

You state they are "worth" 100k and 225k, according to whom? Local assessments are not usually accurate to current market. Are they in the same locale and similar? Then you would have a concentrated "portfolio" and would then downgrade the future expected return (if one tanks the...
by TheGreyingDuke
Tue Sep 27, 2011 8:18 am
Forum: Personal Investments
Topic: TLH in Low Tax Bracket
Replies: 5
Views: 1018

I agree with livesoft, don't let the TLH tail wag the portfolio decision making dog! I am in a somewhat analogous position, selling off a bunch of ill-fitting funds that I inherited just to get things in order
by TheGreyingDuke
Mon Sep 26, 2011 7:27 am
Forum: Personal Investments
Topic: TLH. First Time. Simple questions.
Replies: 14
Views: 1488

http://online.wsj.com/article/SB1000142 ... 21922.html

The Zweig article mentioned, this reflects some of what I was trying to articulate a little earlier in this thread.
by TheGreyingDuke
Sun Sep 25, 2011 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody using Personal Finance Software
Replies: 26
Views: 11273

Magellan< It looks like the spreadsheet you linked is what I would need, but when I follow the directions and paste the Quicken 2010 report, the formatting is way wrong. I have tried tab delimited, comma delimited, or just went with the defaults. I am importing it in Open Office Calc , perhaps that ...
by TheGreyingDuke
Sun Sep 25, 2011 12:39 pm
Forum: Personal Investments
Topic: TLH. First Time. Simple questions.
Replies: 14
Views: 1488

If you sell all, then VG has calculated your average cost basis and that would be sufficient to figure your taxes. This is different from not keeping track as you will need to report the basis and the proceeds on your tax return
by TheGreyingDuke
Sun Sep 25, 2011 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody using Personal Finance Software
Replies: 26
Views: 11273

I have a recent thread going here(http://www.bogleheads.org/forum/viewtopic.php?t=82926) that discusses my frustration with Quicken. If your need is strictly around AA, I have come to the conclusion that a spreadsheet is the most succinct and accurate way to manage things. I use Open Office and an e...
by TheGreyingDuke
Sat Sep 24, 2011 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Some Quicken problems
Replies: 16
Views: 2287

Quicken travails

My problem is that I have one of the Advantage accounts and use the MMF as my checking account; I don't write many checks, about 30 a year, but I like to keep track of them nonetheless. If the Vanguard site were a bit more robust, that could suffice as I do not budget or track my expenses or any of ...
by TheGreyingDuke
Sat Sep 24, 2011 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Some Quicken problems
Replies: 16
Views: 2287

Quicken and VG

While it may not be unique to vanguard, it is their system of separate brokerage and mutual fund accounts that is at the root of the problem, this was revealed in a lengthy conversation with them yesterday. The good news, is that they are moving to integrate the dual account structure, the bad news ...
by TheGreyingDuke
Fri Sep 23, 2011 5:36 pm
Forum: Personal Investments
Topic: Tax loss harvesting, some questions
Replies: 5
Views: 837

Re: Tax loss harvesting, some questions

livesoft said: (sorry, haven't figure out how to do the nice greyed out quotes: This is probably false. The main reason is that your losses offset the gains no matter what the taxes are. Thus, you can take losses this year that will avoid higher taxes in the future. OK, try this scenario: I buy 100 ...
by TheGreyingDuke
Fri Sep 23, 2011 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Some Quicken problems
Replies: 16
Views: 2287

Some Quicken problems

I am back, after a few years hiatus, to using Quicken 2010 to track investments. Most all of my assets are at Vanguard and there are MANY accounts: Roth, TIRA, trust accounts, JTROS with all of these X2 as both I and my wife have one of each (except the JTROS). Furthermore, there is the complication...
by TheGreyingDuke
Fri Sep 23, 2011 9:19 am
Forum: Personal Investments
Topic: Tax loss harvesting, some questions
Replies: 5
Views: 837

Tax loss harvesting, some questions

I never paid too much to this topic in the past, but my situation has developed and I have been reading with great interest the various threads on the subject. If one is TLH ONLY for the tax benefits and the intention is to get back into the same investment after 30 days, there seem to be two caveat...
by TheGreyingDuke
Wed Sep 21, 2011 8:40 am
Forum: Personal Investments
Topic: Closing Vanguard Account Issues
Replies: 18
Views: 3281

Closing Vanguard Account Issues

In my experience and recollection, they will not charge you for moving an account.

I am not an expert on other companies, but the most likely scenario for fee free trades in Vanguard funds would be the ETFs.
by TheGreyingDuke
Tue Sep 20, 2011 7:39 pm
Forum: Personal Investments
Topic: TIRA, Tips fund vs Individual bonds
Replies: 4
Views: 634

TIRA, Tips fund vs Individual bonds

In the past, I have purchased individual TIPS bonds, sometimes directly from the treasury, sometimes through Vanguard. If I am looking for exposure to TIPS in a TIRA it seems that I can avoid all capital gains by laddering individual bonds and holding them to maturity. I know that there is an ease i...
by TheGreyingDuke
Fri Sep 16, 2011 8:19 pm
Forum: Personal Investments
Topic: Comparing bond funds
Replies: 5
Views: 1494

What is your time horizon? Are we talking about tax-deferred or taxable accounts? What percent of your overall liquid assets are in bonds vs stocks vs real estate? If all of your bonds will be held in tax-deferred accounts, a 50-50 split between Total Bond Market and a TIPS fund would work reasonab...
by TheGreyingDuke
Wed Sep 14, 2011 2:44 pm
Forum: Personal Investments
Topic: Comparing bond funds
Replies: 5
Views: 1494

Comparing bond funds

I am in an ongoing process of simplifying my portfolio and see that, spread over accounts I have six different bond funds and would like to get it down to two if possible and prudent. All Vanguard funds, all admiral when available or ETF, total about $650,000 TIPS Total Bond (ETF) Intermediate Term ...
by TheGreyingDuke
Mon Sep 05, 2011 6:20 pm
Forum: Personal Investments
Topic: Need help with moving trust account
Replies: 10
Views: 1473

Trust transfer questions

For sure, you can transfer it wherever you want. Both the sending institution and the receiving institution may have specific requirements on what paperwork is needed, if you need a medallion guarantee and the like. As to "managing" the account... no one will do this without a fee and for ...
by TheGreyingDuke
Mon Sep 05, 2011 10:14 am
Forum: Personal Investments
Topic: Any low-cost non-enhanced Fido funds anymore?
Replies: 13
Views: 1536

<Do you feel actuve mgmt in tax-advantaged is better than index funds there

I think the point is that actively managed funds will have a higher turnover and more exposure to capital gains, two characteristics that index funds do not share.
by TheGreyingDuke
Mon Sep 05, 2011 10:05 am
Forum: Personal Investments
Topic: Bonds questions
Replies: 6
Views: 1303

Bonds question

I am new to posting here, but this sort of dialogue is what makes this one of the most valuable forum for me. No one is going to make the decisions for you, but you will get access to some thoughtfulness and links to great research.

Thanks to all!
by TheGreyingDuke
Mon Sep 05, 2011 9:54 am
Forum: Personal Investments
Topic: Which Credit Unions have the highest CD rates?
Replies: 11
Views: 1563

CD rates

Your favorite search engine is your friend, any of the first 10 or so sites will give you a start.
by TheGreyingDuke
Mon Sep 05, 2011 9:52 am
Forum: Personal Investments
Topic: Need help with moving trust account
Replies: 10
Views: 1473

Trust questions

In addition to the sound counsel in the earlier replies, I would add that you face no tax consequences for moving the trust from one entity to another, only if you sell the underlying assets. Once you can answer the questions raised in the earlier replies, you may get some advice here. You state tha...
by TheGreyingDuke
Fri Sep 02, 2011 10:44 am
Forum: Personal Investments
Topic: 500 Index plus Value Index OR Total stock fund
Replies: 5
Views: 900

500 Index plus Value Index OR Total stock fund

I have lurked here for years, finally getting around to make some moves. I am trying to untangle a web of funds, all at Vanguard. I spoke with one of their planners today and he suggested that for stock funds held in taxable accounts I would get more tax efficiency holding just the total stock fund ...