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Re: physicians [Frustrated, considering early retirement]

This topic is thought provoking for me as a patient.

On the one hand, it concerns me in regards to my relationship with my doctor. What is he thinking? What stresses does he have? How does that affect the care I receive?

On the other hand, I now have greater sympathy for him.

1210
by 1210sda
Thu Feb 26, 2015 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 8819

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

Does Turbo Tax deal with this issue correctly?

1210
by 1210sda
Wed Feb 25, 2015 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 55
Views: 6584

Re: The challenges of staying the course...

Thanks We have also gone back to our 2013 returns and calculated all contributions for 2014 and appears our 2014 performance is 8.42%, not the 2.8% that began my whining. LOL...:-D this sounds like the Beardstown Ladies in reverse. How did you discover the mistake. That's quite a difference. 1210
by 1210sda
Mon Feb 23, 2015 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 66
Views: 5213

Re: Please Help Me Explain an Equity Index Annuity to a Rela

... I too have been at a "free" dinner where they pitched equity index annuities. ... If you go to the free dinner seminar, and you're the one who buys the annuity, the living trust, the timeshare, or the bridge, not only did you pay for your free dinner, but you paid for the free dinners...
by 1210sda
Sun Feb 22, 2015 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please Help Me Explain an Equity Index Annuity to a Relative
Replies: 31
Views: 1671

Re: Please Help Me Explain an Equity Index Annuity to a Rela

To OP: here's a data point for your friend about how equity index annuities work. My mom, an unsophisticated and trusting soul, was sold a deferred equity index annuity (at age 77) after attending one of those "free financial planning information for seniors" presentations many years ago....
by 1210sda
Sun Feb 22, 2015 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Please Help Me Explain an Equity Index Annuity to a Relative
Replies: 31
Views: 1671

Re: Problems with Internet Explorer

yes, last night had a big problem with IE. Got windows pop up stating "Internet Explorer has stopped working. A problem caused the program to stop working correctly. Windows will close the program......". This was stuck in a loop. Couldn't fix or connect back to the internet. Anyway, I ev...
by 1210sda
Sat Feb 21, 2015 11:27 am
 
Forum: Personal Consumer Issues
Topic: Problems with Internet Explorer
Replies: 24
Views: 1587

Problems with Internet Explorer

I've had it with IE. I have just switched to Chrome. But I was wondering if anyone else has been having issues with IE recently??
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by 1210sda
Sat Feb 21, 2015 10:42 am
 
Forum: Personal Consumer Issues
Topic: Problems with Internet Explorer
Replies: 24
Views: 1587

Re: Please Help Me Explain an Equity Index Annuity to a Rela

What is the purpose of this annuity (in the mind of this relative)? Certainly you can find a better way to achieve whatever goal he is trying to reach.... Who knows. He just went to his friendly personal banker recently complaining about the low CD rates and he was referred to the "investment ...
by 1210sda
Fri Feb 20, 2015 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please Help Me Explain an Equity Index Annuity to a Relative
Replies: 31
Views: 1671

Re: Please Help Me Explain an Equity Index Annuity to a Rela

You're mostly correct with your analysis. That 3.2% that you calculated would get applied to the account value at the time that the return was calculated, and a credit to the policy would show up for the amount. Those credits are paid on some kind of modal basis (quarterly, semi-annually, annually)...
by 1210sda
Fri Feb 20, 2015 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please Help Me Explain an Equity Index Annuity to a Relative
Replies: 31
Views: 1671

Please Help Me Explain an Equity Index Annuity to a Relative

I'm trying to explain how and Equity Index Annuity (now called Fixed Index Annuity) to a relative who is on the verge of buying one. I know a bit about them, but I'm sure there are some details that I'm missing. Here's what I know: (or think I do) 1. They track an equity index typically the SP 500 (...
by 1210sda
Fri Feb 20, 2015 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please Help Me Explain an Equity Index Annuity to a Relative
Replies: 31
Views: 1671

Re: Dave Ramsey Lashes Out at His Financial Critics

– few, if any of us, has the intestinal fortitude to stick to a 100% stock allocation without panic selling. If many of Dave's followers are "unsophisticated" as another poster said earlier, they would be the first to abandon the strategy. I guess in a vacuum you could say his views about...
by 1210sda
Wed Feb 18, 2015 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 9663

Re: Dave Ramsey Lashes Out at His Financial Critics

There is some truth to what he says. I've heard him say there is nothing wrong with paying a commission. In some cases that could be a true statement if you get what you pay for . But, for instance, if you are paying a front end load when you can get an equivalent investment with no load, most know...
by 1210sda
Wed Feb 18, 2015 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 9663

Re: Dave Ramsey Lashes Out at His Financial Critics

People here are giving him too much credit for telling people to get out of debt. Isn't that advice rather obvious? This guy is a con man. He lies to his audience about returns and then steals from them by recommending loaded funds and then taking a cut. Add to that arrogant and childish, calling p...
by 1210sda
Wed Feb 18, 2015 8:54 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 9663

Re: active vs passive in response to Larry Swedroe posting

This assumes that you can pick out a Tweedy Brown in advance of a big decline. It's easy to see it was the "best" choice when viewed in hindsight. How many actively managed funds would have done even worse? Yup, totally agree! In addition, the passive (index)fund should going forward matc...
by 1210sda
Sun Feb 15, 2015 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: active vs passive in response to Larry Swedroe posting
Replies: 30
Views: 3258

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

OMG.....we have 330 and need 99,670 more signatures by four weeks from tomorrow !! It'll take over 3,500 signatures per day to do this. We need all BH's to sign right away.

1210
by 1210sda
Thu Feb 12, 2015 11:48 am
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 168
Views: 9433

Re: About to stop using DFA/Dropping Advisor

There is nothing wrong with DFA funds, but there is plenty wrong with the way advisors sell them. They are over-hyped and over-sold as a cure-all for portfolio management. Nothing could be further from the truth. There is risk, and there is return, PERIOD! Rick Ferri I believe that a 1% advisor fee...
by 1210sda
Tue Feb 10, 2015 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: About to stop using DFA/Dropping Advisor
Replies: 29
Views: 3922

Re: When 60/40 just isn't appropriate

There are a lot of different ways to read the tea leaves on this, but here's some data (with all the standard caveats) on the range of 100% to 0% total stock and total bond, from just before the '08 crash to today. While we normally think about the percent maximum drawdown as indicating pain, look ...
by 1210sda
Sun Feb 08, 2015 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 127
Views: 13095

Re: Vanguard survey: what should they do differently?

LifeStrategy and/or Target Date funds with municipal bonds. This cannot happen for most allocations because of IRS rules; if a fund is not more than 50% invested in tax-exempt securities, all of its gains are taxable. This is why Tax-Managed Balanced is 49% stock, rather than the 60% which is commo...
by 1210sda
Thu Feb 05, 2015 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 4246

Re: Vanguard survey: what should they do differently?

columbia wrote:LifeStrategy and/or Target Date funds with municipal bonds.


Agree plus admiral status.

1210
by 1210sda
Wed Feb 04, 2015 8:39 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 4246

Auto and HO ins "Agency Fee" ????

After going through all the gyrations to get a competitive quote from an independent insurance agent, I got an "Oh by the way there's the agency fee also". Is this standard? Do they ever waive it? I'm feeling a bit of a betrayal, but if "everybody" does it, perhaps I'm being too ...
by 1210sda
Thu Jan 29, 2015 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto and HO ins "Agency Fee" ????
Replies: 2
Views: 323

Re: What about this withdrawl strategy?

I'm wondering if you have read about some other methods. Here is one: https://www.kitces.com/blog/managing-sequence-of-return-risk-with-bucket-strategies-vs-a-total-return-rebalancing-approach/ which is related to: https://www.kitces.com/blog/are-retirement-bucket-strategies-an-asset-allocation-mir...
by 1210sda
Sat Jan 24, 2015 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: What about this withdrawl strategy?
Replies: 23
Views: 2198

Re: Likelihood of Admiral shares for the Target Retirement F

While it is suboptimal it is hardly a "bad mistake" compared to truly bad mistakes many people make with their finances (e.g. high advisor fees, high expense ratio funds, etc.). If the worst "mistake" you make in your investing career is using target retirement/lifecycle funds i...
by 1210sda
Thu Jan 22, 2015 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Likelihood of Admiral shares for the Target Retirement Funds
Replies: 20
Views: 2282

Re: Likelihood of Admiral shares for the Target Retirement F

While it is suboptimal it is hardly a "bad mistake" compared to truly bad mistakes many people make with their finances (e.g. high advisor fees, high expense ratio funds, etc.). If the worst "mistake" you make in your investing career is using target retirement/lifecycle funds i...
by 1210sda
Thu Jan 22, 2015 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Likelihood of Admiral shares for the Target Retirement Funds
Replies: 20
Views: 2282

Re: "When you've won the game, stop playing"

The 42-point-ahead person is a special case, which I define as someone who will survive all but a generalized societal meltdown: someone with a burn rate of *much* less than 2%--ie, who can live on stock dividends, even if those decline by 50% (which is what happend for a while during the Great Dep...
by 1210sda
Wed Jan 21, 2015 11:57 am
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8615

Re: "When you've won the game, stop playing"

This piece was not aimed at the early retiree, who has to worry about inflation a whole lot more, nor the person who can survive on a 1.5% burn rate ("42 points ahead with 2 minutes left.") Dr. Bill, What is the approach for this individual? Does the AA matter that much for this retiree? ...
by 1210sda
Wed Jan 21, 2015 8:42 am
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8615

Re: Be careful: Turbo Tax and Foreign Tax Credit

If you own Vanguard Total International Stock Index Fund (VTIAX or VGTSX) and are going to use Turbo Tax for your taxes, be very careful. There are a lot of questions from TurboTax (in the step by step mode) and I went through them fairly quickly. I only received partial tax credit. I decided to an...
by 1210sda
Mon Jan 19, 2015 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Be careful: Turbo Tax and Foreign Tax Credit
Replies: 13
Views: 1623

Re: Be careful: Turbo Tax and Foreign Tax Credit

You should be able to verify the calculations by following line by line on Form 1116. This is an example of why I really think that interview mode in tax software is bad. A good interview should get to the same (correct) answer every time given a set of facts. IMO interview mode is a crutch and a p...
by 1210sda
Mon Jan 19, 2015 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Be careful: Turbo Tax and Foreign Tax Credit
Replies: 13
Views: 1623

Be careful: Turbo Tax and Foreign Tax Credit

If you own Vanguard Total International Stock Index Fund (VTIAX or VGTSX) and are going to use Turbo Tax for your taxes, be very careful. There are a lot of questions from TurboTax (in the step by step mode) and I went through them fairly quickly. I only received partial tax credit. I decided to ans...
by 1210sda
Mon Jan 19, 2015 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Be careful: Turbo Tax and Foreign Tax Credit
Replies: 13
Views: 1623

Re: Does 3-funds offer higher returns or lower risk?

What's your basis for saying it's not on the "efficient frontier"? Plugging in a 3-fund portfolio into the tool at PersonalCapital.com and seeing if it is on the efficient frontier. It is not. Can you tell me where on the Personal Capital website you found the efficient frontier ? I can't...
by 1210sda
Sun Jan 18, 2015 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: Does 3-funds offer higher returns or lower risk?
Replies: 33
Views: 3520

Re: Home Owners insurance pricing ???

August wrote:All of the above assumes that no co-insurance penalty is taken on the settlement, which can greatly reduce what the insurance company will pay.


Thank You. Could you please describe the "co-insurance penalty" ?
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by 1210sda
Sun Jan 18, 2015 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Owners insurance pricing ???
Replies: 14
Views: 1568

Re: Home Owners insurance pricing ???

If someone has a replacement value coverage on their dwelling, and then it's completely destroyed but they choose not to re-build, how much does the insurance company pay them ?

1210
by 1210sda
Fri Jan 16, 2015 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Owners insurance pricing ???
Replies: 14
Views: 1568

Re: Home Owners insurance pricing ???

The Hartford explanation is likely a grossly oversimplified statement for a problem that has a combination of causes. In recent years insurers have realized that hurricane damages can extend much farther inland that the prior models indicated. Likewise, the price for insurance that the companies th...
by 1210sda
Fri Jan 16, 2015 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Owners insurance pricing ???
Replies: 14
Views: 1568

Home Owners insurance pricing ???

Hopefully there are a number of BH with a property and casualty insurance background. Recently I received my HO policy premium notice. It was 35% greater than last year. I called the insurer (The Hartford) to ask what the reason was, and was told that the premium reflected their company's experience...
by 1210sda
Thu Jan 15, 2015 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Owners insurance pricing ???
Replies: 14
Views: 1568

Re: We miss Larry Swedroe

Mel Lindauer wrote:Larry just completed his latest book and Rick is tied up with his business. They're both fine and will show up again when they get some spare time.


Mel do you know the title of Larry's latest book?

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by 1210sda
Mon Jan 12, 2015 11:01 am
 
Forum: Investing - Theory, News & General
Topic: We miss Larry Swedroe
Replies: 28
Views: 7494

Re: Yet another study on why not to buy long term care insur

Browser wrote: if you have adequate financial resources, what's wrong with "self-insuring" by setting aside the same amount that represents the max payout of an LTCi policy?


This is the approach that we are taking....

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by 1210sda
Mon Jan 05, 2015 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Yet another study on why not to buy long term care insurance
Replies: 61
Views: 4514

Re: Edward Jones rep trying to pull me away from lazy 3 fund

If you can read both of these exposes on Edward Jones and still hand over your money to them, then you're hopeless. If you feel the need to give away your money, stick with Vanguard and give 2% of it each year to a deserved charity -- a far better use of the money you earned. 2% a year is what you'...
by 1210sda
Wed Dec 24, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: delete [Edward Jones rep trying to pull me away from lazy 3]
Replies: 37
Views: 4162

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

Thank you Sidney and runner
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by 1210sda
Fri Dec 19, 2014 9:28 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 300
Views: 31042

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: 300
Views: 31042

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: 3139

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.

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by 1210sda
Wed Dec 10, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Wish List
Replies: 44
Views: 3139

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: 223
Views: 30614

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: 223
Views: 30614

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: 223
Views: 30614

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: 32
Views: 2670

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: 223
Views: 30614

Re: Why is Dave Ramsey wrong?

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

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by 1210sda
Fri Dec 05, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 73
Views: 10185

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.

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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: 29759

Re: Why is Dave Ramsey wrong?

The longer you are a Boglehead, the less likely you will need his guidance.
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by 1210sda
Tue Dec 02, 2014 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 73
Views: 10185

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: 1333

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: 1333
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