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Hello, I have read about the wash sale and vanguard tax loss pairs. On March 2nd 2020 I executed a tax loss harvest by selling Total stock market admiral and purchasing index 500. (the trade date 3/2, settled 3/3). Vanguard cost basis realized section rewards me with a 51k short term capital...

Hi there I do not post much but mainly enjoy reading all of the threads. I was just wondering why the market has fallen out of the bottom of the municipal and other (total bond) market funds the last 5 days? I know the fed is taking extraordinary steps to back these markets and I see the...

Hi Folks, it has been quite a while since I posted in this forum...too busy enjoying my 4th year of FIRE I guess. Anyway, Vanguard just announced their annual projected capital gains for funds. I own 2 bond funds on the list. I know that stock fund NAV will drop after the pay date of the...

Hi folks. I am going to put this out here and see if somebody can give me a decent explanation. Bond fund income of course is dependent on many factors including rising or declining interest rates, duration, yield curve steepness, defaults etc. I am looking at 2 vanguard funds and have dug...

I received terrible advice from my flagship rep on multiple occasions over the past year. This has cost me money in tax liability. Has anybody parted company with their rep and requested reassignment?

Hi folks. I have visited a billion obamacare calculators online and none of them are straight out calculators that have you put in the various components of your income. They all say "enter your income" and then tell you "oh..we mean you Magi- see what is included here". It also appears Magi...

Wondering if the forum can help me. My portfolio is 60/40 total stock and total bond. Most of my money is not in qualified plans. How many take their dividends in cash? I am retired and living on about 48k per year. If the stocks are down in the portfolio do you reinvest the dividends? It...

:( We are selling our home in Florida in a rising real estate market. Many are actually calling a seller's market again with home prices projected to rise 25% in the next 3 years. We built a beautiful home with 12 foot ceilings, gulf access canal lot. Just perfect, with one negative. It is...

Hi, We retired in march of this year. Our luck would have the market falter but fortunately, despite building a new house and outfitting it, I was able to live on only a 9k draw from short term bonds because of other income. I would think it advantageous to reinvest dividends in a taxable...

There is a firm advertising a 5.15% fdic insured 6 month cd with 20 k minimum. Only gotcha is have to be a Florida resident. The firm of advisors is first financial group. Of course this looks great in our int. Rate environment. Can anyone in florida speak about this who has experience...

Hi guys, I am not a prolific poster here on the board but will throw my 2 cents in from time to time.:coolsmiley: I plan on increasing my posts dramatically after I FIRE in just 9 short days. I have run firecalc and it gives me 100% success. I (age 49) and wife (age 47) are fortunate enough...

Hi my wife and I hold wellington as 100% of our portfolio. I have settled on this (probably) as my allocation as it (although not AS DIVERSIFIED- ie, large cap value) seems to throw off a moderate income and has weathered downturns well. It is a good all around fund. The only issue with the...

Hi all, Wife and I are going to be FIRE'd April 1 2015. I have read as much as I can about time segmentation (buckets of money) approach with SWR and "other" withdrawal methods. Can someone please tell me where I can find a "step by step" as to what accounts and what asset classes one...

Hello all, Wife and I are looking at our target date for FIRE in 5 months (april 2015). I am 48, she 46. Our investable assets are 2 million, 80% in taxable registrations and another 10% in a roth. Therefore 90% of my money is "free of encumbrances" so to speak. We just built our dream...

I am planning to retire around October 2015. I was planning to withdraw 3 to 3.5% of my stash per year. I know what recent studies have suggested (going lower) but its getting a bit on the ridiculous side from my perspective. I was thinking that 2.2M divided by 35 years is 62857 per year. I...

Hello all, It has been many months since I posted here. I am closing in on FIRE --15 OR SO months- Nov/dec 2015):dance: I think one's approach to retirement planning (like Wade Pfau recently said) has almost exclusively to do with luck. What befalls your retirement If you end up with the...

I am wondering what people think of/how many utilize a safe bucket to spend from while leaving there stock bucket isolated to grow. If you do, do you also periodically refill the safe bucket when you have outsized gains in the stock bucket? (say > 8% per annum, you "scrape the cream off the...

Have any members on the board given consideration to these as a decumulation strategy, particularly the middle of the road "growth and distribution focus" fund? Most of my nest egg is in after tax (about 90%) of 2M. I hope to fire in about 3 y. Any input appreciated. I have a meeting set...

Hi all, Is it much more difficult to procure a reverse mortgage for a condo unit. I understand a lot of the lenders have some much tighter standards to put you up against relative to the number of units, the number that already have reverse mortgages on them, the finances of the home owners...

Just wondering if anybody has done any business with this reit company, how safe is it? The dividend yield looks relatively nice, and it seems to be a diversified reit (ticker simple O). Looking for bond fund alternatives/income alternatives. I am not retired buy ultimately would need yields...

Just wondering how many of you ever listen to Ray Lucia or how many have ever read any of his books? Does anybody here employ his "bucket strategy" in their early retirement? I happen to think that, while he certainly has an agenda in getting people into his son's financial firm, his advice...

I would like to run this by the crowd here. I currently have a diversified portfolio of 65% equities/35% total bond market type bonds. I am 46 and want to pull the plug at 53. My current portfolio size is 1.2M. I will not have any pensions and healthcare will be all on us (wife and I). Home...

Hello, I have posted a few times but mostly I just enjoy reading all of the posts and learning what I can. If diversification is best when assets negatively correlate, I was wondering what you all thought of a portfolio 35% bonds comprised of vanguard long term investment grade corporate, 65%...