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Re: Is my term life policy quote too high?

My father died of cancer in his late 50s. I got term insurance from Columbus Life at age 35 (Columbus life has Comdex 95 rating, ie 95th percentile of insurer strength). I had no health issues and average BMI at the time I applied. I bought it through LLIS.com as the agent. LLIS is non-captive and r...
by Anon1234
Sat Jan 24, 2015 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my term life policy quote too high?
Replies: 26
Views: 1368

Re: Recommend a clickless mouse

I use a capacitive touchpad (trackpad) instead of a mouse. You click by tapping, just like a smartphone. It's pretty quiet. http://www.amazon.com/s/ref=nb_sb_noss_1?url=search-alias%3Daps&field-keywords=magic+trackpad There are PC and Mac options. People like the Mac hardware, and if you read th...
by Anon1234
Sat Jan 24, 2015 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 15
Views: 1053

Re: Vanguard STAR Fund (VGSTX)

While I understand its historical role in the Vanguard lineup (as the low minimum entry for a long time), and that it gives a decent return, I wonder why Vanguard keeps it around. Doesn't it cannibalize funds like Balanced, Wellington, LifeStrategy or the Target Retirement? I didn't include balance...
by Anon1234
Fri Jan 23, 2015 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard STAR Fund (VGSTX)
Replies: 8
Views: 944

Re: Vanguard STAR Fund (VGSTX)

It's a fine choice for an all in one. Presumably you are above the $3000 minimum of the alternative 60/40 funds: the active fund Wellington (VWELX) or the Index fund Lifestrategy moderate growth (VSMGX). Usually I hear people recommend STAR because of the low $1000 minimum investment. comparison cha...
by Anon1234
Fri Jan 23, 2015 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard STAR Fund (VGSTX)
Replies: 8
Views: 944

Re: Grandfather wanting to transfer portfolio to kids. Ques

I'm 80, and I have all my money in a simple 3-fund Vanguard portfolio... I want to give my money to my kid now, and I tried to explain why the 3-fund portfolio was simple, easy to manage, generates a decent return, and is less volatile. My daughter (and her son-in-law) told me that they have no int...
by Anon1234
Fri Jan 23, 2015 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 65
Views: 2758

Re: Grandfather wanting to transfer portfolio to kids. Ques

Oh brother! If your mother does not feel capable of handling his request, she should suggest he get someone else. After he dies, do what you want. My understanding is that grandfather's request/instructions are intended for after his date of death. If so, do you agree that is an unreasonable reques...
by Anon1234
Fri Jan 23, 2015 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 65
Views: 2758

Re: Grandfather wanting to transfer portfolio to kids. Ques

jp, you say there is no choice: For those of you who say "refuse to play by his rules", my mom does not really have a choice. Then you imply she is making a choice to "respect her dad's wishes." ...she is taking this on to honor and respect her dad's wishes. then you go on: My gr...
by Anon1234
Fri Jan 23, 2015 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 65
Views: 2758

Re: Grandfather wanting to transfer portfolio to kids. Ques

Oh brother! If your mother does not feel capable of handling his request, she should suggest he get someone else. After he dies, do what you want. My understanding is that grandfather's request/instructions are intended for after his date of death. If so, do you agree that is an unreasonable request?
by Anon1234
Fri Jan 23, 2015 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 65
Views: 2758

Re: Grandfather wanting to transfer portfolio to kids. Ques

First post! ... He uses Vectorvest to manage his trades. He is having my mom practice with their free trial to get used to the system. ... http://www.vectorvest.com/whyvv.aspx What is VectorVest all about? “When I designed this system I did not have time to look through thousands of stocks. I neede...
by Anon1234
Fri Jan 23, 2015 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 65
Views: 2758

Re: Grandfather wanting to transfer portfolio to kids. Ques

If I were in your shoes, this is what I would do. Everyone should refuse to play this game and the whole problem should be dealt with immediately. Tell Grandfather: - that very few individual investors manage to beat the market, even if he did (which I doubt, but there's no good reason to get into ...
by Anon1234
Fri Jan 23, 2015 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 65
Views: 2758

Re: Grandfather wanting to transfer portfolio to kids. Ques

Edit: I'm assuming he is training her to take over for after he is gone. Is that true? I don't know what the right answer is for you or your mom, but I thought I'd share a story: A friend of mine was helping her elderly father with his financial affairs. Here father was a similar age to your grandfa...
by Anon1234
Fri Jan 23, 2015 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 65
Views: 2758

Re: What to do w/ .2c intrest credited after doing backdoor

Convert it. You will pay regular income tax on the gain of 2 cents, but that will round to zero and cost you nothing. Small pet peeve of mine is people use bad units. Many commonly write 0.02 cents when they mean 2 cents, or $0.02, or 0.02 dollars. 0.02 cents is 2 hundredths of one cent, or 1/50 of ...
by Anon1234
Fri Jan 23, 2015 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do w/ 2¢ interest credited after doing backdoor Roth
Replies: 9
Views: 1192

Re: HSA custodian fee

I pay HSA administrators $45/year plus 0.32% (charged on first $20k balance on each fund holding).

I have been lamenting that it will take over 3 years of contributions to get below 0.75% effective ER.

How did you get a $25 fee?
by Anon1234
Fri Jan 23, 2015 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA custodian fee
Replies: 5
Views: 267

Re: Should I Declare Victory and Pack It In?

Problem is my job terminates in 12 days. What length of notice does the new contract require? If it is only 90 days, there isn't much headache with signing. I'm assuming the other provisions, like malpractice coverage and tail coverage, stay the same. Could agree to the new, reduced pay and try the...
by Anon1234
Tue Jan 20, 2015 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 16412

Re: Should I Declare Victory and Pack It In?

If I did drop the hammer at 56, my wife and I have constructed a strong budget plan based on NOT selling either house initially. What it would involve is withdrawing no more than $65k per year from savings (less than 3%, according to Otar and the Vanny Monte Carlo calculator should be very safe. Th...
by Anon1234
Tue Jan 20, 2015 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 16412

Re: Bored when market is closed

I bet the market misses you when you are sleeping.
by Anon1234
Tue Jan 20, 2015 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Bored when market is closed
Replies: 28
Views: 2080

Re: Which of 7 cost-basis methods? (Poll)

SPEC ID is the most flexible, so "best" in the sense of meeting any need. It's also the most time intensive to use. I use SPEC ID, but I have concerns about how that will work out if I were not capable or present to manage my accounts. If I were giving a recommendation to a friend I would ...
by Anon1234
Tue Jan 20, 2015 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Which of 7 cost-basis methods? (Poll)
Replies: 11
Views: 866

Re: Reassess company 401k Fund

First, the 2055 fund beat it's benchmark by 9 basis points, so "underperform" seems like the wrong word. It's interesting that the the Vanguard 2055 (VFFVX) also delivered 10.03% in the 1 YR ended 11/30/2014. Second, each company's 2055 fund is constructed a little differently, and those d...
by Anon1234
Tue Jan 20, 2015 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Reassess company 401k Fund
Replies: 2
Views: 296

Re: IRS CP14: Dishonored Payment Penalty?

An update: If this happened to you, call the IRS and ask them to reference "Alert 15A0011" Background: After a letter, 2 calls to the IRS, and being very persistent with my payment processor, PayUSAtax.com, I have a story that I believe. The IRS processed all the October 15, 2014 payments ...
by Anon1234
Tue Jan 13, 2015 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS CP14: Dishonored Payment Penalty?
Replies: 10
Views: 1386

Re: IRS CP14: Dishonored Payment Penalty?

Interesting that you are always +- about a dollar. Next time, why not overpay by $30 and have the overpayment applied to next year's taxes? That way, if the software makes a rounding error (like TurboTax did on my return), then they just reduce the $30 to $29 and apply $29 to next year's taxes. Tha...
by Anon1234
Tue Jan 13, 2015 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS CP14: Dishonored Payment Penalty?
Replies: 10
Views: 1386

Re: H&R Block Tax Software - Low Prices at Amazon

How do you like this software package versus TurboTax? I tried turbo tax once and found the "plain language" guidance more confusing than helpful. That was about 8 years ago. 3 years ago I tried H&R block and never had that problem. I have seen a few threads where people point out a r...
by Anon1234
Fri Jan 02, 2015 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software - Low Prices at Amazon
Replies: 38
Views: 2283

H&R Block Tax Software - Low Prices at Amazon

[Thread merged, see below. --admin LadyGeek] Hi All, Amazon has dropped the prices on H&R Block tax software. It looks like they are following the 2013 (and 2012) trends. If that's true, it won't be this cheap until much later in the tax season, and even then you will only save $2. Federal + St...
by Anon1234
Fri Jan 02, 2015 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software - Low Prices at Amazon
Replies: 38
Views: 2283

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2345.67 ...somebody already took 2222.22, :wink:
by Anon1234
Thu Jan 01, 2015 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19723

Re: Rick Ferri looking to internationalize his portfolio

Don't we call it "tactical asset allocation"? I guess that would imply a temporary shift and Rick seems to say this is permanent, which really just means it'll hold until he decides to change it again, which is very similar to what was once called tactical asset allocation, which is a form...
by Anon1234
Thu Jan 01, 2015 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 224
Views: 24697

Re: International - good for diversification, bad for return

Also from Bernstein is the "From Hell" series where he reviews about two hundred years of modern history with the point being that all this society falls apart "wildly optimistically" only once every 200 years due to "political, economic, and military environment." htt...
by Anon1234
Wed Dec 31, 2014 8:16 pm
 
Forum: Investing - Theory, News & General
Topic: International - good for diversification, bad for returns?
Replies: 43
Views: 4855

Re: International - good for diversification, bad for return

Rick Ferri wrote a blog post about this. http://www.rickferri.com/blog/markets/expect-years-of-pain-before-market-gain/ Check out tables 4 and 5. William Bernstein's Four Pillars reviewed the US v. Int'l returns history a decade at a time to show the effect. Also from Bernstein is the "From Hel...
by Anon1234
Wed Dec 31, 2014 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: International - good for diversification, bad for returns?
Replies: 43
Views: 4855

Re: Denver area ski in/out lodging?

I have planned many ski trips and rarely been to the same area twice, so a new adventure each time and a lot of work and stress. I always made sure our location was within 50-100 yard of a lift that had "friendly" runs for all. Each time I planned a ski trip it was a ton of work, checking...
by Anon1234
Fri Dec 19, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1418

Re: Denver area ski in/out lodging?

Denver is in the plains. I wouldn't call those Denver ski areas. OK. I welcome a better suggestion. I highly recommend Cooper. The ski area is great. I'm not sure what the truth is with those distances. Probably somewhere in the middle. 1000 feet isn't that far either way Copper seems to be a trend...
by Anon1234
Fri Dec 19, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1418

Re: Denver area ski in/out lodging?

barnaclebob wrote:A 7 and 8 year old should be able to carry their own skis 200 yards at least.

It seems my kids aren't good enough. Sending them back now.
by Anon1234
Fri Dec 19, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1418

Re: Denver area ski in/out lodging?

True, slope-side ski in/out accommodations are very expensive, above your budget. What could apply to you are "in the village" rentals that have nearby lifts that you can walk to. The adults who are not skiing have things to go to in the village in walking distance, and the skiers (even k...
by Anon1234
Fri Dec 19, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1418

Re: Denver area ski in/out lodging?

cleosdad wrote:
Anon1234 wrote:
cleosdad wrote: PM me if you need to. Tim


Tim, No need to keep it between us. Please share your knowledge in the thread.

Okay go to Copper Mountain.

What a build up, haha. That makes me laugh.
by Anon1234
Fri Dec 19, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1418

Re: Denver area ski in/out lodging?

Two things: 1) In several of those maps it looks like your overestimating the walking distance by going to the bottom of the lift versus the closest point on the ski trail. I also tagged generously from the property starts. And, regardless of the error in my measurements, your comment is immaterial...
by Anon1234
Fri Dec 19, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1418

Re: Denver area ski in/out lodging?

If ski in/out is an absolute must you'll probably need to boost that budget. We stay in frisco, 15-30 minutes drive ... I think you hit it on the head. I thought $1000/night wouldn be plenty based on all the tripadvisor/vrbo properties, but then I started digging in, and I'm starting to see your wa...
by Anon1234
Fri Dec 19, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1418

Re: Denver area ski in/out lodging?

bbqguru wrote:We are staying at Cheteaux DuMont condos. https://www.google.com/maps/place/Chate ... 9131d82aef

That place was at the top of my list, until I realized they don't take kids under 12. Appreciate your help though.
by Anon1234
Fri Dec 19, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1418

Re: Denver area ski in/out lodging?

cleosdad wrote: PM me if you need to. Tim


Tim, No need to keep it between us. Please share your knowledge in the thread.
by Anon1234
Fri Dec 19, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1418

Re: Limited-pay whole life policies

R2D2 wrote:but someone pitched me a variant.


Why were you talking to this person? What goal are you working towards? Studying a complex policy (or investment or mutual fund) is total waste of time until you have a stated goal.
by Anon1234
Fri Dec 19, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Limited-pay whole life policies
Replies: 15
Views: 782

Denver area ski in/out lodging?

We have our first family ski trip to Denver area in late January - Early February. I'm stumped with lodging. Do you have advice or recommendations for us? I have been looking at Breckenridge, but I could go to Copper Mountain, Keystone, Winter Park or Vail. Prefer not to drive farther than Vail. I h...
by Anon1234
Thu Dec 18, 2014 1:37 am
 
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1418

Re: Disability INS for homemaker?

Summary : I don't think you can get disability coverage for a homemaker. I am replacing my disability insurance now (cancelling old, buying new). The policies I have specifically say they do not pay if you become disabled while unemployed. I suspect this is to keep unemployed people from "acci...
by Anon1234
Mon Dec 08, 2014 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Disability INS for homemaker?
Replies: 8
Views: 555

Re: Disability INS for homemaker?

Summary : I don't think you can get disability coverage for a homemaker. I am replacing my disability insurance now (cancelling old, buying new). The policies I have specifically say they do not pay if you become disabled while unemployed. I suspect this is to keep unemployed people from "accid...
by Anon1234
Mon Dec 08, 2014 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Disability INS for homemaker?
Replies: 8
Views: 555

Re: I need to accumulate $30k over the next 2 years, how?

...what would you do? I understand there are risks in everything, I am not looking for a miracle, I am looking for tactics and I am willing to accept quite a bit of risk to do this. I would not take investment risk because the 2 yr timeframe could become 4 or more due to investment losses, and that...
by Anon1234
Mon Dec 08, 2014 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need to accumulate $30k over the next 2 years, how?
Replies: 59
Views: 4111

Re: 2014 Portfolio Returns

while comparing to my benchmark I found this: My benchmark gives me different returns depending on how I query it. Can anyone explain why?
I'm not asking about the difference in starting values of 10k and 100k.

Image
by Anon1234
Mon Dec 08, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: 2014 Portfolio Returns
Replies: 25
Views: 2717

IRS CP14: Dishonored Payment Penalty?

Hi Tax Expert Bogleheads, I have two questions about the IRS notice CP14 (Notification of balance due) that I just got. 1) There is a $25.00 "Dishonored payment penalty." However, they have received, and recognize having received, all the money I sent in - exactly, to the penny. There is n...
by Anon1234
Wed Nov 26, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS CP14: Dishonored Payment Penalty?
Replies: 10
Views: 1386

Re: Investing in 100 Words

The comment on diversification, "Diversification can reduce risk without reducing growth," is a very interesting way to put it. Despite the customary disclaimer "Diversification does not necessarily ensure a profit or protect against a loss in a declining market," ... A "di...
by Anon1234
Tue Nov 25, 2014 10:38 am
 
Forum: Investing - Theory, News & General
Topic: Investing in 100 Words
Replies: 19
Views: 1968

Re: Life Insurance options

The wrinkle here is I have cancer in my family history, so I'm not sure whether I'll "pass" their form. ... Voya also offers a premium payback plan on 30 year plans. ... I'm also not sure whether we need 20 or 30 years at this point; given that the goal is house pay off, 10 might even suf...
by Anon1234
Sun Nov 23, 2014 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance options
Replies: 7
Views: 992

Re: NWM - Keep or cancel policy

I used to work as insurance analyst and .... Let's assume my answers are contribution to insurance understanding on this forum. I do not assume that. Why? Because the OP asked a practical question "keep or cancel." You launched into 1) stating the policies have a positive return, but skip...
by Anon1234
Fri Nov 21, 2014 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: NWM - Keep or cancel policy
Replies: 12
Views: 2207

Re: Boglehead' Guide to Investing, 2/E

you can get fund correlations at http://investorcraft.com/PortfolioTools/Correlation.aspx Or, you can download total return data from yahoo, and calculate correlations yourself. Wow, it is really easy now. just go to http://finance.yahoo.com/ type in the ticker, click historical prices then scroll t...
by Anon1234
Fri Nov 21, 2014 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Boglehead' Guide to Investing, 2/E
Replies: 8
Views: 1793

Re: NWM - Keep or cancel policy

No mech-tower I was not referring to blend between whole life and term.These are 2 different policies.According to what you said your whole life is not a pure whole life but Adjusted Comp Life.Inside Adjust Comp Life you should have a blend of two policies pure whole life and term life where term l...
by Anon1234
Thu Nov 20, 2014 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: NWM - Keep or cancel policy
Replies: 12
Views: 2207

Re: NWM - Keep or cancel policy

The first and most important question is how much life insurance do you need, and for how long do you need it?
Don't waste your time doing investment analysis until you have that question answered.
by Anon1234
Thu Nov 20, 2014 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: NWM - Keep or cancel policy
Replies: 12
Views: 2207

Re: Suggested retirement reading for 60 year olds

Mike Piper's "Can I retire in 100 pages or less" http://www.amazon.com/Can-Retire-Retire ... mike+piper

He posts as Oblivious Investor here, and on his site. http://www.obliviousinvestor.com/
by Anon1234
Thu Nov 20, 2014 11:25 am
 
Forum: Investing - Theory, News & General
Topic: Suggested retirement reading for 60 year olds
Replies: 25
Views: 4943

Re: Advice on future direction

In regards to yield, both companies have high yields so I've gotten lucky with the cashflow. This is worrying as I move to the total market funds, dividends will be 1.9%... I just need to make sure I can cover living expenses and have some left over to still invest. I wouldn't worry about living of...
by Anon1234
Thu Nov 20, 2014 2:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on future direction
Replies: 6
Views: 569
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