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Re: Vanguard is simplifying it's account structure ??

Thank you Sidney and runner
1210
by 1210sda
Fri Dec 19, 2014 9:28 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 252
Views: 16303

Vanguard is simplifying it's account structure ??

[duplicate thread, merged to main topic - admin alex] A relative of mine received an email from Vanguard requesting that he "upgrade" to a VBS account? Has anyone else gotten this request? Is it primarily a marketing move? Aren't most folks perfectly happy with their current account? 1210
by 1210sda
Fri Dec 19, 2014 8:40 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 252
Views: 16303

Re: Vanguard Wish List

I wish that Vanguard would put out LifeStrategy Funds with a tax exempt fixed income element in addition to Total Bond Market. 1210 Hi: Regulations require that a mutual fund must hold at least 50% of a portfolio in tax-exempt bonds in order for the fund to pass through the tax-exemption of dividen...
by 1210sda
Thu Dec 11, 2014 8:13 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Wish List
Replies: 44
Views: 2983

Re: Vanguard Wish List

I wish that Vanguard would put out LifeStrategy Funds with a tax exempt fixed income element in addition to Total Bond Market.

1210
by 1210sda
Wed Dec 10, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Wish List
Replies: 44
Views: 2983

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

On that same page with the red "COMING SOON" message is a red TURBOTAX logo. I clicked right on that logo and it took me to the page to purchase/download it. Well I tried this, and ALL I can see is the online version, not the download version, and I see no where to get the download. If I ...
by 1210sda
Wed Dec 10, 2014 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16698

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Leesbro63 wrote:Turbotax appears to be ready via Vanguard. I just downloaded Premier for $9.99,


I just checked and I still get "TurboTax for tax year 2014 will be available soon".

Did you call your Flagship rep, or what?

1210
by 1210sda
Wed Dec 10, 2014 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16698

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

So can I now download Turbotax 2014 at the Vanguard customer price? Or is that still "coming soon"? FYI: "Coming soon: TurboTax for tax year 2014 will be available soon. Please return to this page at that time to take advantage of great discounts. The pricing information below is not...
by 1210sda
Tue Dec 09, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16698

Re: Transferring files onto a new computer

Sorry if this sounds dumb....

I suppose program files need to be re installed...is this correct?

1210
by 1210sda
Mon Dec 08, 2014 10:25 am
 
Forum: Personal Consumer Issues
Topic: Transferring files onto a new computer
Replies: 30
Views: 2030

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Springman, Are you sure about this? That doesn't seem to align with the macaroon's post above that includes the quote from Intuit themselves. It says if you do Sched D you have to use the forms mode and the interview mode is only place you can e-file from. Have you tried it, or did you get differen...
by 1210sda
Sat Dec 06, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16698

Re: Why is Dave Ramsey wrong?

Wow lawlord, that is some post......Thank you.

1210
by 1210sda
Fri Dec 05, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 73
Views: 9977

Re: Merriman's Perspective on VG TSM

Interesting that he did not take a total portfolio view.....adding international stocks and bonds. He talks about the increased returns but not the increased risk.

1210
by 1210sda
Thu Dec 04, 2014 8:42 am
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 17847

Re: Why is Dave Ramsey wrong?

The longer you are a Boglehead, the less likely you will need his guidance.
1210
by 1210sda
Tue Dec 02, 2014 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 73
Views: 9977

Re: How do you "un-fund" a revocable trust?

Afan , Dale _G and bsteiner: As I stated in the OP, I haven't made the move yet, I'm just considering doing so. My question was simply that If I decide to un fund my current revocable living trust, would there be any tax consequences ? As usual BH's, with their wonderful collective wisdom, are provi...
by 1210sda
Sun Nov 23, 2014 8:55 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you "un-fund" a revocable trust?
Replies: 10
Views: 1262

Re: How do you "un-fund" a revocable trust?

It's not clear what you mean by "revocable bypass trust". Do you mean "Revocable Living Trust"? Generally, my non-legal understanding is that once a bypass trust gets funded, it's done as part of settling an estate and is not revocable. Sorry for not being clear. It is a revocab...
by 1210sda
Sat Nov 22, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you "un-fund" a revocable trust?
Replies: 10
Views: 1262

How do you "un-fund" a revocable trust?

Due to the new portability available with ATRA 2012, I'm considering "un funding" my revocable, by-pass trust. Is there an income, gift or other tax consequence in doing so?

1210
by 1210sda
Sat Nov 22, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you "un-fund" a revocable trust?
Replies: 10
Views: 1262

Re: If your networth is over $3 million, how did you do it?

1.Worked for a large corp for 27 years. Maxed out retirement plans; saved more outside of plans 2. Started my own business and worked at it for 10 years. Large contributions to SEP-IRA's 3. Sold my business at the end of the 10 yrs 4. DW worked in the early years of marriage; became a full time mom ...
by 1210sda
Thu Nov 13, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 270
Views: 33353

Re: Index Fund Return Assumptions

When you run retirement age projections, what kind of return do you assume if you are investing in various index funds? For bonds , the current yield is a good predictor of future returns. Today, Vanguard's Total Bond Index is yielding about 2.5% nominal — less projected inflation of 2% (the curren...
by 1210sda
Thu Nov 06, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index Fund Return Assumptions
Replies: 7
Views: 514

Re: So you think you're a Risk-taker?

Thanks for the link. Here is another that provided me the article without a sbuscription: http://blogs.wsj.com/moneybeat/2014/10/24/so-you-think-youre-a-risk-taker/ still asked for a log-in. funny thing is that when I went thru the same link via google, the article appeared w/o need of log-in. Than...
by 1210sda
Mon Oct 27, 2014 11:12 am
 
Forum: Investing - Theory, News & General
Topic: So you think you're a Risk-taker?
Replies: 36
Views: 4498

Re: The danger of putting all your eggs in the wrong basket

Phineas J. Whoopee wrote:We are wisely admonished not to confuse strategy with outcome.


+1 (This is one of Larry Swedroe's "mistakes even smart people make". Thanks Larry)

1210

PS: It's a harsh reality to realize that not all investors/speculators are BH's.
by 1210sda
Wed Oct 08, 2014 7:52 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 29866

Re: how to prevent medical expense catastrophe?

Would it have made a difference if the patient in the NY Times article was on Medicare ??

What about Medicare Advantage?

1210
by 1210sda
Tue Sep 23, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 8285

Re: You may want to rethink the odds of ever needing LTCi

I handled my bachelor Uncle's finances for the last 9 years while he was in a nursing home sans LTC insurance.....he passed in April of this year....how does 425k in expenses over a 9 year period sound. Do my wife and I have a policy......what do you think? That's less than $50k per year. How much ...
by 1210sda
Mon Sep 22, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: You may want to rethink the odds of ever needing LTCi
Replies: 89
Views: 9444

Re: how to prevent medical expense catastrophe?

Thanks for bringing up this topic. I don't know whether I'm more frightened or angered.
1210
by 1210sda
Mon Sep 22, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 8285

Re: Safe Withdrawl Rate

I won't adjust the withdraw rate for inflation every year,..... By 12-31-14 I'll be 61 and my wife will be 60. WR Your $4,385,000 at 3.5% = approx. $154,000. If you don't adjust for inflation, in 25yrs (your age 61), assuming 3% increase per year, your purchasing power will be cut in half....$77,00...
by 1210sda
Tue Sep 16, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawl Rate
Replies: 25
Views: 2465

Re: You may want to rethink the odds of ever needing LTCi

You also need to consider the difference in long term care costs and what your normal retirement budget is since many(but not all) of your other expense will be reduced if you go into a nursing home. If you end up having to pay $70,000 a year for nursing home (or whatever it cost in your area) but ...
by 1210sda
Sun Sep 14, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: You may want to rethink the odds of ever needing LTCi
Replies: 89
Views: 9444

Re: Why don't the LifeStrategy funds have Admiral Status??

"still waiting for admiral series of target date fund . here is the response from vanguard . Vanguard cannot offer separate share classes for any of our fund-of-funds per SEC regulations. Investment companies who do offer additional share classes for a fund-of-fund structure are able to do so b...
by 1210sda
Thu Sep 11, 2014 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1393

Re: Why don't the LifeStrategy funds have Admiral Status??

It seems the Balanced Index Fund is not a fund of funds. What I'm wondering is why can't Vanguard follow the same approach with the Lifestrategy funds??
1210
by 1210sda
Thu Sep 11, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1393

Re: Why don't the LifeStrategy funds have Admiral Status??

My theory is that because they are funds of funds, $10,000 invested would equal far less than $10,000 invested in each of the constituent funds. So, if for example the smallest component of one of these funds had only a 10% allocation, one would have to hold $100,000 of the overall fund for that sp...
by 1210sda
Thu Sep 11, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1393

Why don't the LifeStrategy funds have Admiral Status??

Does anyone know why?.... Has Vanguard indicated any move towards Admiral status for Life Strategy funds.

1210
by 1210sda
Thu Sep 11, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1393

Re: Simplicity vs. Complexity

I guess one has to decide what's most important. For my surviving spouse (whenever she becomes one), there is little interest in managing a portfolio. If I left her a complex portfolio, it would not get rebalanced, she would be confused as to which funds to sell if she needed additional money. It wo...
by 1210sda
Wed Sep 10, 2014 11:58 am
 
Forum: Investing - Theory, News & General
Topic: Simplicity vs. Complexity
Replies: 50
Views: 3460

Re: A Low-Return Future? Are We Prepared?

Huh? What does population growth have to do with anything? I don't see the relation with expected returns... More workers and more consumers, sure, but this comes with a heap of other problems... Please explain? Here's a picture that probably explains it better than I can just using words: http://w...
by 1210sda
Mon Sep 01, 2014 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 13019

Re: If you had an extra $100,000

In most cases, it's hard to argue too much against paying off a mortgage. And deferred income annuities (aka "longevity insurance") are an idea I like overall -- though as I've mentioned elsewhere, the lack of protection against inflation makes them significantly less appealing IMO. If it...
by 1210sda
Thu Aug 28, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7601

Re: What are you up YTD?

Some benchmarks can be found in the madsinger monthly report. But in the meantime: YTD performance ending 8/25/2014 6.0% LifeStrategy Conservative Growth 40/60 6.6% LifeStrategy Moderate Growth 60/40 7.1% LifeStrategy Growth 80/20 5.5% DGSIX DFA Global allocation 60/40 (A good example of a small-ca...
by 1210sda
Wed Aug 27, 2014 7:35 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18769

Re: When did you hear of Bill Miller and Legg Mason Value Tr

In any event, since the fund is nominally a large value fund, the appropriate index comparison should be the Vanguard Value Index Fund. It didn't beat that one for 15 straight years. As for "excitement," I never felt that. I agree. From Bill Sharpe's The Arithmetic of Active Management: &...
by 1210sda
Sat Aug 23, 2014 7:35 am
 
Forum: Investing - Theory, News & General
Topic: When did you hear of Bill Miller and Legg Mason Value Trust?
Replies: 32
Views: 2516

Re: Frequent Flyer Miles:Transfer, Gift or what...

I did it !!!....It worked!!!

Thanks to everyone for their input. I was surprised as to how easy it was.

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by 1210sda
Sat Aug 23, 2014 6:54 am
 
Forum: Personal Consumer Issues
Topic: Frequent Flyer Miles:Transfer, Gift or what...
Replies: 12
Views: 790

Frequent Flyer Miles:Transfer, Gift or what...

Trying to let a friend redeem an airline tik using my miles. On the AA website, it appears that you can transfer or gift the miles to the other person. However, there is a cost of $25.00 per 1,000 miles transferred. Same seems to apply to gifting the miles. It would cost more to do this than it woul...
by 1210sda
Fri Aug 22, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Frequent Flyer Miles:Transfer, Gift or what...
Replies: 12
Views: 790

Re: [live off dividends?] How the rich stay/get richer??

The dividends have nothing to do with it, they are an illusion, the mathematical fact is that if you spend less than the growth generated by your portfolio then it will continue to grow, regardless of whether it comes from dividends or not. For example, if a portfolio generates 2% dividends and 6% ...
by 1210sda
Wed Aug 20, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 5200

Re: Your biggest "Missed Money" event that still kills you?

"Your biggest 'Missed Money' event that still kills you?"

None !!

Various missed money events in my youth....but NONE that still kill me. :wink:

1210
by 1210sda
Mon Aug 18, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8766

Re: CPI table

I had th same problem, so I found this one.

http://inflationdata.com/Inflation/Cons ... oaded=true

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by 1210sda
Tue Aug 12, 2014 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1585

Re: Liability Matching Portfoloio

..... in reality the boundary between necessary and "desired" expenditures is a fuzzy. This seems to be a stumbling block for me. View liberally, ss and pensions cover those expenditures. Viewed conservatively, my pension and ss are inadequate. :? It shouldn't be so hard to distinguish be...
by 1210sda
Tue Aug 12, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Liability Matching Portfoloio
Replies: 36
Views: 3675

Re: Dave Ramsey still defending 12% and still angry at "nerd

You know, it really is so easy to search Morningstar (Principia) and find the historical winners.
1210
by 1210sda
Mon Aug 11, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 23778

Re: Dave Ramsey still defending 12% and still angry at "nerd

If you're promised 12%, how long do you think you'll stay in that fund when the returns will be much less than 12%? This is a straw man. It's already been established earlier in this thread by Nisiprius that 12% is possible. Larry Swedroe states: Don't treat the highly unlikely as impossible. I agr...
by 1210sda
Mon Aug 11, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 23778

Re: So where's that inflation many forecasted?

Larry,
Thanks for the post.

I read or heard somewhere that you are no longer going to be writing for "Seeking Alpha". Is this correct ?

Either way, I'm grateful that you are still writing (etf.com) and posting links to your articles here.

Appreciate it.

1210
by 1210sda
Mon Aug 11, 2014 10:59 am
 
Forum: Investing - Theory, News & General
Topic: So where's that inflation many forecasted?
Replies: 43
Views: 2897

Re: Smooth perpetual withdrawal from risky assets

Yes there was. Sorry about that.
1210
by 1210sda
Sat Aug 09, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Smooth perpetual withdrawal from risky assets [endowment fd]
Replies: 93
Views: 9168

Re: Smooth perpetual withdrawal from risky assets

Instead of a constant $1,000,000 ending portfolio balance, why not a decreasing ending balance such as in the amortization of a mortgage loan. You could develop a schedule (ie spreadsheet) with a target ending balance for each of the 30 (or whatever) years. This could then be the amount from which y...
by 1210sda
Sat Aug 09, 2014 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Smooth perpetual withdrawal from risky assets [endowment fd]
Replies: 93
Views: 9168

Re: Smooth perpetual withdrawal from risky assets

longinvest wrote:Here's a hypothetical setup. We want a portfolio of risky assets (3-fund portfolio) to maintain (over the long run) an approximate inflation-adjusted value of $1,000,000.


Does this mean you'll have a $1,000,000 estate left when you die ?

1210
by 1210sda
Sat Aug 09, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: Smooth perpetual withdrawal from risky assets [endowment fd]
Replies: 93
Views: 9168

Re: Dave Ramsey still defending 12% and still angry at "nerd

Defense of DR smacks of Stockholm Syndrome.
1210
by 1210sda
Sat Aug 09, 2014 7:09 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 23778

Re: Volatility: Oh how I love thee.

tfb did a good column about this, +/- 5% Rebalancing Bands What does it take to knock your portfolio’s asset allocation off by 5%? You may be surprised that it takes more than you think. It was a surprise to me as well.... Today’s post is inspired by a post in the Bogleheads investment forum by Jim...
by 1210sda
Fri Aug 08, 2014 7:33 am
 
Forum: Investing - Theory, News & General
Topic: Volatility: Oh how I love thee.
Replies: 44
Views: 3588

Re: Volatility: Oh how I love thee.

[assume bond prices stay level when stocks start dropping). In this case, stocks need to drop by 18.21% before rebalancing is triggered. any long-term benefit. - DDB ddb, Great calculations !! At first I thought, what the heck is he talking about?? How can it be so much (18.21%). Then I did the mat...
by 1210sda
Thu Aug 07, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: Volatility: Oh how I love thee.
Replies: 44
Views: 3588

Re: Volatility: Oh how I love thee.

weak-minded investors become nervous and sell in a roller-coaster market, and that gives me more opportunities to buy at cheap prices. Here is more about " Learning to Love Volatility " Rick Ferri Hey, maybe I could include that in my IPS.......buy when the weak-minded and nervous are sel...
by 1210sda
Thu Aug 07, 2014 8:53 am
 
Forum: Investing - Theory, News & General
Topic: Volatility: Oh how I love thee.
Replies: 44
Views: 3588

Re: Is 30% SCV/ 70% Bonds really a good idea?

I think the bigger question is this: can you stick with a Larry portfolio despite it's tracking error? The specific allocation is less important than staying the course. Completely agree with this assessment. As I look around at many of my neighbors (not "you", of course :-) ) and their r...
by 1210sda
Thu Aug 07, 2014 7:33 am
 
Forum: Investing - Theory, News & General
Topic: Is 30% SCV/ 70% Bonds really a good idea?
Replies: 21
Views: 1904
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