most americans do not have enough in assets to safely delay social security if they retire earlier . they would spend down to much . but those who will have rmd tax issues will likely be better candidates since those issues tend to go with bigger balances . for most it would make little sense to del...

well if you will be delaying social security hitting any traditional retirement accounts first has plenty of plus's . the tax gods give us the ability to draw out money from these accounts at zero taxes if we plan right . just the standard deduction and exemptions can allow 22k of untaxed ira money ...

michael kitces wrote an excellent article on tax loss harvesting . Executive Summary Capital loss harvesting has long been a staple of investment tax strategy – so much that the Internal Revenue Code has special “wash sale” rules to ensure that the technique is not overly abused. Fortunately, though...

yep , i can be the poster child for that . i delayed 1 extra year and got hammered Had you engaged in enough loss-harvesting to have a sizable loss-carryover? If so, it should have eaten up a good chunk of your gain. If not, it would appear your problem wasn't loss-harvesting, but refusing to harve...

yep , i can be the poster child for that . i delayed 1 extra year and got hammered

THERE IS NO MAGIC FORMULA. it depends on so many factors including the size of the gain . in a nutshell what you pay for medicare is linked to your taxable income from 2 years prior . the premium for the year can go as high as 3x the basic rate depending on total taxable income. selling assets when ...

i already did in a post above -------------------------------------------------------------------- "depending on whether you can make use of the zero % tax bracket you may be better tax harvesting the winner many times . the reason is kicking the can down the road can create tax issues later . ...

i thought the same thing all those years too. i don't see capital gains taxes rising. boy was i wrong .also be careful when you are 2 years away from medicare age . these were two very expensive lessons i learned the hard way

depending on whether you can make use of the zero % tax bracket you may be better tax harvesting the winner many times . the reason is kicking the can down the road can create tax issues later . we did that and harvested the losers all along and then in 2014 we sold the winner . well up to that poin...

anytime we do complex trips we use our local travel agent -liberty travel . at least i have someone right across the street i can deal with when things go wrong . we just booked a cruise to cuba with a few nights before and after in miami . we let them do the entire trip including transfers . anythi...

i won't give them a dime anymore , but that's me . service every step of the way could not have been worse . i felt like a ping pong ball getting bounced around and ultimately passed right in to a dead end . no one even monitors those phones in that dept they pass you to for incoming calls . we call...

here is vanguards official reply . i disagree 100% with their reasoning . we have no use for this kind of trust . only trust we needed was called a disclaimer trust and it was for estate estate tax purposes at one time . it serves no purpose in this case for not having beneficiaries . everything we ...

yep .. i was quite annoyed . there was little reason to do that to us . no one else i have money with did something like that and especially did not notify most of us . that should have required a sign to acknowledge in my opinion . but for me jpm/chase worked out great and i would have never though...

i pulled all my money i had with vanguard out last month . i had about 10% of assets with them as i use fidelity 90% . without so much as a heads up they dropped all beneficiaries on joint accounts . they no longer allow beneficiaries on joint accounts . in their ridiculous wisdom they decided that ...

even at 65 you have long term money you won't eat with for as long as 20 or 30 years . that money is still long term money and a dividend income fund would be just fine . so would dividend paying stocks , i am just not a lover of taking on individual company risk at any point in time for anything bu...

housing prices fell during the high inflation high interest rate years and did not recover until rates and inflation starting falling .

a shift to small cap growth now may be a good idea . it looks like value peaked out after it's big run up .

i am just a fast typist . no dirty minds in this forum .

my wife says i have the fastest 1 finger she ever knew lol

i find it a pain in the butt to keep hitting the cap key on and off , if it bothers anyone that much there is always ignore or the typing forum .

GET OVER IT!

this is no longer a current model but in the past this is an example of one . DON'T USE THIS -IT IS NO LONGER CURRENT ! all fidelity funds . overall beta 75% less volatile than thje s&p 500 Total Bond FTBFX 26% Equity Dividend Income FEQTX 23% High Income SPHIX 21% Short-Term Bond FSHBX 17% Limi...

I'm in a low tax bracket myself. I'm just curious if income portfolios can never be a part of lazy portfolios. I haven't seen a lazy portfolio designed for income. I still think the lack of cash is a major Achilles' heel of these funds. It forces the investor to hold cash separately, which means th...

i would not call it a lazy portfolio . my income model is assorted bond funds , assorted duration and a smidgen of a dividend equity income fund . it maintains a volatility of 75% less than the s&p 500 . it's funds change from time to time based on the bigger picture and the updates we get from ...

personally i would not draw cash to live off of from the pp. it is designed to be a cohesive portfolio that includes cash or short term bonds to balance off the long term treasury bonds as well as act as stock options when stocks are down only with out an expiration date . the cash is as much a part...

i find i can type so fast now with the 1 finger . i really don't do anything different other than just not use caps .unless i have to . it is funny how all my toes and with the one exceptional finger , everything else is so overly sensitive to touch . it is just the tips that hurt . i weight lift an...