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03-16-2013, 02:53 PM
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#21
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Thinks s/he gets paid by the post
Join Date: Jul 2005
Posts: 4,366
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I rebalance as needed. Long-term gains only, and I try to balance out gains with losses. I will start spending down the taxable accounts next year, so it won't be a problem for long.
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03-16-2013, 04:12 PM
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#22
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,139
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Quote:
Originally Posted by haha
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I'm taking about the new 3.8% Medicare Surtax on net investment income above $250,000 (joint filers). This applies to everyone, not just current Medicare beneficiaries. It has nothing to do with Medicare premiums.
__________________
Retired since summer 1999.
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03-16-2013, 04:37 PM
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#23
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2003
Location: Hooverville
Posts: 22,983
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Quote:
Originally Posted by audreyh1
I'm taking about the new 3.8% Medicare Surtax on net investment income above $250,000 (joint filers). This applies to everyone, not just current Medicare beneficiaries. It has nothing to do with Medicare premiums.
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I see, I misunderstood. Thanks for the clarification.
Ha
__________________
"As a general rule, the more dangerous or inappropriate a conversation, the more interesting it is."-Scott Adams
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03-16-2013, 08:05 PM
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#24
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Oct 2006
Posts: 7,733
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I don't rebalance. My projected dividend and interest income provide me with a budget and monthly withdrawal from my brokerage account to my checking account.
I do monitor my AA, and use index funds in my IRA to make any fine tune adjustment but not any type of time based system.
The three times I have made conscious changes to my AA, 2000 more bonds, 2008/9 more stocks, 2011 less bonds/more real estate. Tax considerations were a pretty minor factor. (In the case of 2008/9 I had plenty of losses to balance my modest bond capital gains)
I am definitely guilty of hanging onto to individual stocks too long because I don't want to pay cap gains. But since generally I buy to early and sell to soon, this really hasn't hurt me too much.
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