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Re: Can you put after tax RMD withdrawals into ROTH?

Only if you or you spouse is still working and have earned income up to the amount you want to put in.
by 2retire
Fri Apr 18, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 983

Re: Proper Money management and itinerary for Europe trip

My thoughts on Munich. The botanical gardens already have one of Ludwig's castles (Nymphenburg Palace) at them, there really isn't a need to go to Neuschwanstein. Everyone seems to want to go to Neu because its exterior is what Disney modeled his castle after and it most resembles people's idea of w...
by 2retire
Mon Apr 14, 2014 4:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 1747

Re: KeePass vs LastPass

I just figured I'd post this here for all you LastPass users. Your usernames and passwords may have been compromised. They were vulnerable to the HeartBleed attack. Quote: Though LastPass employs OpenSSL, we have multiple layers of encryption to protect our users and never have access to those encry...
by 2retire
Thu Apr 10, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 100
Views: 5287

Re: Dual pane windows

I don't know if a couple of doors is going to make that much difference. Most of the benefit may come from the new weather stripping and tighter manufacturing they come with rather than the double-panes. Don't get me wrong, replacing a whole house of singles with doubles makes a huge difference, I j...
by 2retire
Mon Apr 07, 2014 3:38 am
 
Forum: Personal Consumer Issues
Topic: Dual pane windows
Replies: 11
Views: 1052

Re: Bailing On Pimco Bond?

I haven't, but I will admit that I have thought about it. It is running 0.61 behind Vanguard Total Bond Fund this year. Earlier in the year, it was ahead but had a few large single day drops. I'm hoping that soon things will calm down once the institutional investors have pulled their monies out, an...
by 2retire
Fri Apr 04, 2014 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Bailing On Pimco Bond?
Replies: 19
Views: 1966

Re: Free "If You Can" Kindle

Bill Bernstein wrote:Someone please let me know if it works.

Thanks for providing the DRM free version, it does work.
by 2retire
Fri Apr 04, 2014 9:41 am
 
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 52
Views: 6366

Re: Reaching $1M in Total Assets

How to save a million calculator http://www.bankrate.com/calculators/savings/save-million-calculator.aspx Wow, that is the first time I have seen one of their licensed calculators in use. They always said people could license them, but I've never run across one hosted on a third party site before. ...
by 2retire
Thu Apr 03, 2014 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reaching $1M in Total Assets
Replies: 35
Views: 5865

Re: Please help my dad-Social Security question.

See my edit above. That looks correct, it looks like you put him claiming at 67.
by 2retire
Thu Apr 03, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help my dad-Social Security question.
Replies: 10
Views: 715

Re: Please help my dad-Social Security question.

Those aren't the correct numbers to look at. It is pretty stupid they give those numbers more prominence. Look for the line that says 'Benefit after rounding.' Also, be sure that none of the tables in the report list income after 2014. If they do, a setting is wrong somewhere. The software is kind o...
by 2retire
Thu Apr 03, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help my dad-Social Security question.
Replies: 10
Views: 715

Re: Please help my dad-Social Security question.

What sscritic said. However, your Dad can go to the SS website and download AnyPIA. It allows you to do what-if analysis by putting in past earnings and allowing you to stop at any date to see what your real SS would be.
by 2retire
Thu Apr 03, 2014 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help my dad-Social Security question.
Replies: 10
Views: 715

Re: Do you consider Vanguard Total Market to be 100% stocks?

For my index funds, yes; for my actively managed funds, no. On my actively managed funds, I count it as fixed income. I have one actively managed fund that has over 13% in cash.

I get the AA's for all my funds every three months and put them into a spreadsheet to figure out my overall AA.
by 2retire
Wed Mar 19, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you consider Vanguard Total Market to be 100% stocks?
Replies: 15
Views: 2415

Re: continuing my CBS series on AA, small vs large

Thanks for the specifics in the article Larry. Too often I find that finance articles are written so generically that you can't get any kind of actionable information from them. This article actually made me feel like I was sitting down with an adviser and they were telling me why I shouldn't be in ...
by 2retire
Wed Mar 19, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: continuing my CBS series on AA, small vs large
Replies: 6
Views: 892

Re: Sibling is a Financial Adviser, ask investing advice?

I don't see anything wrong with talking to her. As others have said, you don't need to mention specific dollar amounts. She may have good information for you on life insurance, disability insurance, asset allocation, taxes, etc. Stuff that doesn't require you to invest money with her. You should als...
by 2retire
Wed Mar 19, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Sibling is a Financial Adviser, ask investing advice?
Replies: 30
Views: 1980

Re: is 4gb memory, 500gb hd adequate for new desktop?

thanks to all who responded. I was specifically looking at the new Dell Inspiron 3000 series. Bestbuy has the package w/ 4g ram, 500gb hard drive at $399.98 vs the 8g, 1tb package at $529.98......and just wondered if the exta $129 for 8g, 1tb was worth it. Absolutely not. And to be honest, you are ...
by 2retire
Sat Mar 08, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: is 4gb memory, 500gb hd adequate for new desktop?
Replies: 56
Views: 1862

Re: is 4gb memory, 500gb hd adequate for new desktop?

It should be more than enough. But there is an easy way to tell, on your current machine, run perfmon (start->run>perfmon). You can use it to monitor how your machine uses memory over time. I'd just Google for the basics on using it.
by 2retire
Sat Mar 08, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: is 4gb memory, 500gb hd adequate for new desktop?
Replies: 56
Views: 1862

Re: Buy vs rent no longer relevant?

Of course not, just because you aren't having to pay money out of your pay check, it doesn't mean you aren't what your friends would call 'losing' money. That money you are using for rent is money you could have invested back into the market.
by 2retire
Thu Mar 06, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy vs rent no longer relevant?
Replies: 60
Views: 5844

Re: Why are 2045/'50 funds only recently underperforming s&p

Lets try and make this a little clearer. Your target date fund holds international stocks. The S&P 500 only contains US stocks. The S&P 500 doesn't include international stocks. During the 2000's international stocks outperformed US stocks (sometimes significantly) Because you held these out...
by 2retire
Thu Mar 06, 2014 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Why are 2045/'50 funds only recently underperforming s&p?
Replies: 31
Views: 1534

Re: Bogleheads.org Home Page Updated

Looks good, nice an clean. The only suggestion I could provide would be to reorder the links on the left. I think they would make more sense in this order:

Investing Philosophy
Recommended Reading
Wiki
Forum
by 2retire
Sun Mar 02, 2014 9:57 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9091

Re: Fidelity S & P 500 Vs. Vanguard S & P 500 Index Funds

There is really no need if they are truly both S&P 500 indicies. You should read the prospectuses side-by-side to make sure there aren't any gotchas. Then compare their performance at morningstar.com (on the same graph). Their lines should should be identical. You don't want to see one zig while...
by 2retire
Thu Feb 27, 2014 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity S & P 500 Vs. Vanguard S & P 500 Index Funds
Replies: 12
Views: 1144

Re: composition of index funds (foreign in US index)

I believe I have seen it described as such before. I'm not sure if it is true or not, but it is what I recollect hearing. Some stocks trade on multiple world markets, no matter where their parent company is located. Indices are designed to capture specific market returns. Therefore, if a foreign onl...
by 2retire
Fri Feb 14, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: composition of index funds (foreign in US index)
Replies: 14
Views: 753

Re: Can you buy to cheap of a house?

You really need to post more about the house, area, and typical housing prices in that area. Believe it or not, in many areas of the country that isn't an unreasonable amount of money for a house. Just because the US average is much higher, doesn't mean that 30K is cheap for the area you are looking...
by 2retire
Tue Feb 04, 2014 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Can you buy to cheap of a house?
Replies: 15
Views: 1360

Re: Is it nuts to log on to your Vanguard account at the pub

Would be crazy to do the same on a work laptop? I do that all the time. If the work laptop has always been in your possession since issue, your company has excellent security policies including virus/malware control, you use it on their secure network, or your own secure network, and use a VPN if o...
by 2retire
Thu Jan 23, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Is it nuts to log on to your Vanguard account at the public
Replies: 33
Views: 3265

Re: Is it nuts to log on to your Vanguard account at the pub

So if they saw the account balance, accepted your check and you went outside and swept the account dry with a smartphone, they'd be OK with that? I guess so. It was CarMax; The way car byiung should be (tm). I was surprised when they said they'd take a personal check for ~ 30K, but I guess that is ...
by 2retire
Thu Jan 23, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Is it nuts to log on to your Vanguard account at the public
Replies: 33
Views: 3265

Re: Is it nuts to log on to your Vanguard account at the pub

It isn't recommended that you log onto any type of private information account on any computer which you do not control. This includes everything from Vanguard to Facebook. You just have to decide what level of risk you are willing to take with those accounts. I would never log on to any kind of fin...
by 2retire
Thu Jan 23, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Is it nuts to log on to your Vanguard account at the public
Replies: 33
Views: 3265

Re: How do you benchmark your portfolio.

My portfolio is 70% active and 30% passive. I compare all my active stock funds to S&P500 and Total Stock Market. I compare my bond funds to Vanguard Total Bond market. I do this because if I had my way, those are the funds I would be in. Although I tilt a little to small and mid caps, I want to...
by 2retire
Mon Jan 20, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: How do you benchmark your portfolio.
Replies: 65
Views: 3005

Re: Is there a low cost cell phone plan, limited minutes?

There is also Platinum Tel (ptel.com). They are a pay as you go outfit. Calls - 5 cents a minute (100 mins/month = $5) Texts - 2 cents each Data - 10 cents per MB If you don't use data, you can easily get away with paying ~60 a year for your cell phone. You'd need to buy a $10 card every two months....
by 2retire
Mon Jan 20, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Is there a low cost cell phone plan, limited minutes?
Replies: 63
Views: 3432

Re: Biggest regrets in your life in financial investment?

To counter all those people who regretted they didn't hang on to stock, my regret is I held onto my Employee Stock Purchase Program shares too long. I didn't sell them right after I got them (like I should have) and netted a 15% profit. I lost two thirds of the money I put into them when the stock t...
by 2retire
Thu Jan 16, 2014 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 7192

Re: What was your 2013 return?

21.09% Calculated using XIRR 20.47% Calculated using the method Rick Ferri describes that Financial Advisors are supposed to use (created by Association of Investment Management and Research (AIMR)) For a: 70% active 30% passive Portfolio of: 70% US 30% International 30% Fixed Income Morningstar wei...
by 2retire
Thu Jan 02, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8522

Re: 401k and retired

Your post is confusing. When your money was rolled over to American Funds, were mutual funds bought, or was the money put into a money market account until you decided which funds to buy? If the funds were already bought, then you are out of luck. Your so called 'friend' just walked away with 3.5% o...
by 2retire
Mon Dec 30, 2013 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k and retired
Replies: 12
Views: 1306

Re: Social Security estimates if early retiring?

The only way to get an accurate number for your scenario is to go to the link below and download the calculator to your PC (if you have a Mac, you are out of luck). http://www.ssa.gov/OACT/anypia/anypia.html I've been playing with it for the past few days. It allows you to create all kinds of scenar...
by 2retire
Sat Dec 28, 2013 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security estimates if early retiring?
Replies: 15
Views: 1533

Re: Buying coworker's shares - private company

Read your shareholder agreement carefully. My private company's agreement clearly said that the company has the first right to buy back any shares when an employee terminates from the company.
by 2retire
Wed Dec 11, 2013 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying coworker's shares - private company
Replies: 2
Views: 447

Re: New to Forum-Opinion needed!

When you say no real other savings to speak of, does this include future pensions and the possibility of inheritances coming your way? It is hard to give you a good response without understanding more about your financial future. It would also be helpful to know your salary and your cost of living a...
by 2retire
Wed Nov 13, 2013 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: New to Forum-Opinion needed!
Replies: 17
Views: 931

Re: average monthly brokerage fee for 401k plans?

MyMegaCorp @ Fidelity is $3.25.

Edit:
Just to clarify, this isn't a brokerage fee. This is the fee all employees pay for the privilege of Fidelity holding our 401(k) money.

The same 401k used to be handled by Hewitt @ $7.25 (down from $8.00).
by 2retire
Mon Nov 11, 2013 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: average monthly brokerage fee for 401k plans?
Replies: 4
Views: 436

Re: Two Days in Munich

Others have covered most of the high points. I've been to Munich many times, but never to Dachau. Wish I had done that. One spot that I haven't seen mentioned is Kloster Andechs. It's a monastery outside of the city, but reachable by train (S-bahn, I think). It has huge open fields, interesting cha...
by 2retire
Wed Nov 06, 2013 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Two Days in Munich
Replies: 24
Views: 1277

Re: Two Days in Munich

It sounds like you already have a plan in place, which sounds resonable way to handle your time there. I'll just throw in a few more bits of info. Deutches Museum - In the late 80's this was the largest Natural History museum in the world. I have probably been to it five times and still haven't seen...
by 2retire
Wed Nov 06, 2013 11:30 am
 
Forum: Personal Consumer Issues
Topic: Two Days in Munich
Replies: 24
Views: 1277

Re: Massive end of year dump into 401K

Nope, nothing to worry about as long as you have the cash to live on instead of your pay check. During the downturn in the economy, I used this method for a couple of years to fully fund my 401K at the start of each new year as I felt layoffs might be coming down. The HR people might think you are a...
by 2retire
Tue Nov 05, 2013 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Massive end of year dump into 401K
Replies: 5
Views: 1074

Re: Let relative use my address for bank account?

It depends on how much you value the relationship. It sounds like a good way to get on an NSA watchlist.
by 2retire
Tue Nov 05, 2013 10:34 am
 
Forum: Personal Consumer Issues
Topic: Let relative use my address for bank account?
Replies: 31
Views: 2437

Re: How do I find 2 and 4 year returns??

You know, I've never tested it for more than a year; but you are right, it doesn't work out. The one year numbers are correct, but anything more than that doesn't work out. I suspect it has to do with sequence of returns.
by 2retire
Tue Oct 29, 2013 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I find 2 and 4 year returns??
Replies: 4
Views: 268

Re: How do I find 2 and 4 year returns??

This is the best I can offer and what I use.

Morningstar allows you to put in custom date ranges on charts. Pull up a chart of the fund you are interested in and enter the start and end dates. If the $10,000 grows to $11,456.78, then that is a return of 14.5678%.
by 2retire
Tue Oct 29, 2013 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I find 2 and 4 year returns??
Replies: 4
Views: 268

Re: Net Worth Survey 2014

How do you see people using #16? I believe most people wanted this number so they could tell if someone had a large net worth due to their salary. I know that is what I'd want to see. I don't feel AGI is a good value to ask for. It can be gamed to easily with the current tax code. I feel that raw sa...
by 2retire
Fri Oct 25, 2013 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey 2014
Replies: 58
Views: 8304

Re: Can a company only offer its stock in a 401(k)?

I believe the main issue is fiduciary responsibility. I found a 22 page paper at: Employee Stock Consideration in 401(k) Plans I didn't read the whole thing. The following is an excerpt: On May 18, 2010, the IRS and the Treasury Department released final regulations on Code 401(a)(35) investment div...
by 2retire
Tue Oct 15, 2013 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: Can a company only offer its stock in a 401(k)?
Replies: 6
Views: 859

Re: More XIRR Questions

Though I need to work out end value as at 31st Dec 2012 as I hadn't noted anything down That is as easy as looking at the year end statement from your fund companies and adding them all up. If you don't receive paper statements, you should be able to access them at their online sites. I suggest you...
by 2retire
Tue Oct 15, 2013 11:39 am
 
Forum: Investing - Theory, News & General
Topic: More XIRR Questions
Replies: 10
Views: 784

Re: Just inherited money, would seriously appreciate advice

I don't have a lot to add that other people haven't already stated; just take your time, there is no need to rush in to do anything fast. You just received 3.5m, you shouldn't be concerned about $950 a day (or -$950 a day). The one thing I'd like to point out is that you not assume that just because...
by 2retire
Sat Oct 12, 2013 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just inherited money, would seriously appreciate advice
Replies: 48
Views: 5583

Re: Asset Allocation for a Friend (low income, windfall)

I think you've given your friend too munch information. When someone knows nothing, it is best to start out as simple as possible. Forget about all the slicing and dicing and cramming this money into a bunch of funds. If it were my friend, this is what I'd recommend. Take $5,500 and put it in a Roth...
by 2retire
Fri Sep 27, 2013 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for a Friend (low income, windfall)
Replies: 20
Views: 1309

Re: Help understanding mutual fund tax-adjusted return

I don't know if this will help, but last year VTHRX paid out $0 in captial gains and approximately 2.1% in dividends. Of that, 68% were qualified.
by 2retire
Thu Sep 26, 2013 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help understanding mutual fund tax-adjusted return
Replies: 16
Views: 613

Re: Honorific when speaking to/about a physician's assistant

If I've been to the doctor recently and know the person is still working there, I'll ask for them by their first name. Otherwise, I just ask for Doctor X's PA.
by 2retire
Thu Sep 26, 2013 8:58 am
 
Forum: Personal Consumer Issues
Topic: Honorific when speaking to/about a physician's assistant?
Replies: 19
Views: 2781

Re: How do you compare with other investors your age?

I think it is somewhat interesting that the percentage invested in target retirement funds decreases drastically with age.. What kind of assumptions can you make from that? The older you get, the 'smarter' people think they are? Or should young investors just start out with their own stock/bond all...
by 2retire
Fri Sep 20, 2013 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: How do you compare with other investors your age?
Replies: 50
Views: 7704

Re: How to estimate monthly savings to hit target goal?

You can play around with something known as a Savings Goal calculator. Here is a site that has many types of financial calculators. including a savings goal calculator: http://www.dinkytown.net/java/Savings.html Savings Goal calculators typically don't take into account taxes and tax deferral, but t...
by 2retire
Sat Jul 13, 2013 10:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to estimate monthly savings to hit target goal?
Replies: 3
Views: 551

Re: Choosing a Fidelity account executive

Here is an excerpt from Rick Ferri's free book, Serious Money, available at his website: http://www.rickferri.com/blog/ Advisor Titles and Designations: The Good, the Bad, and the Worthless Education and experience vary widely in the investment advice field. Many financial advisors may have minimal ...
by 2retire
Thu Jul 11, 2013 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing a Fidelity account executive
Replies: 13
Views: 881

Re: Why does my instant coffee overflow?

Now the one I wish I knew the answer too - I microwave eggs sometimes with the yolks unbroken. Sometimes it's fine - other times they "blow up" using the same cooking time. I cover them with a paper towel and just hope it works. Because the egg yolk is inside a sack. As it heats, it expan...
by 2retire
Tue Jul 09, 2013 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Why does my instant coffee overflow?
Replies: 39
Views: 2005
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