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Re: Advice? 1 yr w/ TIAA-CREF and 457B

Do you have a target AA that applies to your joint portfolios, or two separate AAs? I think most couples here have a single aggregate AA. You should be explicit about what you are doing because it affects how you rebalance.
by Aptenodytes
Tue Jan 27, 2015 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice? 1 yr w/ TIAA-CREF and 457B
Replies: 6
Views: 282

Re: Short Term TIPS vs. Intermediate Term Funds

cb474 wrote: In principle, the intermediate term fund will provide a greater return over the long run, but be more volatile, and the short-term fund with provide less return over the long run, but be less volatile. Other bogleheads I'm sure could offer a more sophisticated analysis of the distincti...
by Aptenodytes
Tue Jan 27, 2015 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Short Term TIPS vs. Intermediate Term Funds
Replies: 8
Views: 821

Re: Advice? 1 year w/ TIAA-CREF

Hello, A year ago, Bogleheads helped me select a portfolio for my wife through TIAA-CREF. I just wanted to see if I was doing everything right. Any suggestions/recommendations would be greatly appreciated. Age: 27 Salary: $105K annually Quarterly Retirement Portfolio Statement October 01, 2014 - De...
by Aptenodytes
Tue Jan 27, 2015 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice? 1 yr w/ TIAA-CREF and 457B
Replies: 6
Views: 282

Re: Moving up a tax bracket - when to avoid, when to give up

kaneohe wrote:
Leif wrote:
I would use traditional IRA up to the point of the 25% bracket. After that place the rest in a Roth. .


Isn't this the opposite of the conventional thinking?

He meant what you mean. He should have probably said "down" to the point of the 25% threshold.
by Aptenodytes
Tue Jan 27, 2015 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving up a tax bracket - when to avoid, when to give up
Replies: 26
Views: 2478

Re: Moving up a tax bracket - when to avoid, when to give up

"avoiding the 25% bracket" seems like an overly narrow and not helpful goal. Your financial health depends not on whether or not you nudged into the 25% tax bracket, but on the aggregate tax hit compared to alternatives. So if you are just about to veer into the 25% tax bracket this year, ...
by Aptenodytes
Tue Jan 27, 2015 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving up a tax bracket - when to avoid, when to give up
Replies: 26
Views: 2478

Re: Do any young investors use Only fixed income?

thank you, I will review the list. off the top of your head, are there any that would help calm the fears of a person - one showing some research or expert opinions. I think I'd suggest starting with a short, wise, well-written book targeted exactly at your age group. If You Can: How Millennials Ca...
by Aptenodytes
Mon Jan 26, 2015 11:37 am
 
Forum: Investing - Theory, News & General
Topic: Do any young investors use Only fixed income?
Replies: 35
Views: 3192

Re: wife's purse

I have given my wife nice purses on a couple occasions for birthday or holiday gifts. In each case she told me the exact make and model, and I would not do it any other way. I was essentially a very inefficient voice-activated catalog interface, but it preserved enough of the gift-giving tradition t...
by Aptenodytes
Mon Jan 26, 2015 11:31 am
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 33
Views: 2814

Re: Do any young investors use Only fixed income?

would you be able to recommend such a book(s) please? The Wiki maintains some lists of recommended readings, and people comment on good books here a lot. Here is a list of that includes a short list of books people here consider extremely valuable, as well as a very long list of other good books. A...
by Aptenodytes
Mon Jan 26, 2015 10:26 am
 
Forum: Investing - Theory, News & General
Topic: Do any young investors use Only fixed income?
Replies: 35
Views: 3192

Re: Do any young investors use Only fixed income?

I don't think it helps to ask about whether it is "foolish" to have the fears you have. Fears are emotions, and should be treated as such. Beliefs about facts can foolish or wise, and it is in your interest to align what you think the facts are as closely as practical to the empirical evid...
by Aptenodytes
Mon Jan 26, 2015 9:42 am
 
Forum: Investing - Theory, News & General
Topic: Do any young investors use Only fixed income?
Replies: 35
Views: 3192

Re: Android or iPhone? Which do you like, and why?

When using Android, all of your data goes through Google's servers which analyzes them and sells ads and other things based off of it. Also, I believe Google initially infringed Apple's IP before (not necessarily now). For those reasons and others, I'm never using Android. Very true, and if you are...
by Aptenodytes
Mon Jan 26, 2015 9:24 am
 
Forum: Personal Consumer Issues
Topic: Android or iPhone? Which do you like, and why?
Replies: 40
Views: 1820

Re: Android or iPhone? Which do you like, and why?

Android. More hardware competition shaves about $100 of the cost of a high-feature phone. Detest the Apple ecosystem, ever since the first ITunes. Like the easy Google integration.

But the rest of the family is all IPhone. When they ask for help I am unable to oblige.
by Aptenodytes
Sun Jan 25, 2015 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Android or iPhone? Which do you like, and why?
Replies: 40
Views: 1820

Re: Recommend a clickless mouse

Apparently, the touch mouse clicks. As do most of the seemingly logical 'google search' recommendations that have turned up. Which is why I was asking about anyone who was actually using one and could recommend. Apparently, nobody has one! I think you are in a very small group of people that care a...
by Aptenodytes
Sun Jan 25, 2015 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2315

Re: Time to stop driving for 85 yo MIL

We can look forward to regulators and insurance companies catching up with rapidly evolving needs and creating mechanisms to make these kinds of transitions more routine and more objective. Similar things happened over the past 30 years regarding young drivers -- the procedures are generally better ...
by Aptenodytes
Sun Jan 25, 2015 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 69
Views: 3639

Re: Separating 5-10 yr investments from retirement portolio

To clarify, my point (3) about how I'd operate differently under different circumstances is more or less Livesoft's approach.
by Aptenodytes
Sun Jan 25, 2015 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Separating 5-10 yr investments from retirement portolio
Replies: 26
Views: 1545

Re: Separating 5-10 yr investments from retirement portolio

1) When I have saved for a car I have just kept the money in a piddly-interest online savings account. I try to drive cars nearly into the ground, so the point of having savings built up was to be able to pay cash for the replacement on a moment's notice. I went through the whole cycle once, essenti...
by Aptenodytes
Sun Jan 25, 2015 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Separating 5-10 yr investments from retirement portolio
Replies: 26
Views: 1545

Re: HSA... any receipt savers?

I think you are starting to approach the answer, after three pages of interaction, but you haven't quite gotten there yet. We included lifetime medical expenses in our calculation of $1,000/yr until retirement (this is where the discussion arose pay cash or pay with hsa) Absolutely agree. I said ea...
by Aptenodytes
Sun Jan 25, 2015 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 165
Views: 7047

Re: Poll: Locating deceased person's assets

Nisiprius, you have done us a favor prompting us to think about these things. The Web site with a scatalogical name has some useful guides, templates and testimonials. In my case, what I'm realizing are some loose ends include: 1) Having the spouses covered, as individuals with respect to each other...
by Aptenodytes
Sun Jan 25, 2015 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Locating deceased person's assets
Replies: 33
Views: 2240

Re: Poll: Locating deceased person's assets

Spouse and I are well informed about each other's holdings. If we both go at or near the same time heirs will have a lot of sleuthing in store.
by Aptenodytes
Sun Jan 25, 2015 7:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Locating deceased person's assets
Replies: 33
Views: 2240

Re: HSA... any receipt savers?

to reiterate conclusions on the above numbers: The Society of Actuaries in 2013 had this to say: "The future health care needs for a retiree vary by the retiree’s current age and their expected lifetime, but are estimated to be about $146,400 for someone currently age 65 with an average expect...
by Aptenodytes
Sun Jan 25, 2015 6:48 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 165
Views: 7047

Re: HSA... any receipt savers?

Hmm.... now that I see people mentioning that they save EOB's I'm wondering if I've screwed up. Since I live overseas and have to pay out of pocket initially and I never hit the $3,000 deductible amount, I haven't bothered to file claims with insurance since there is nothing for them to pay. Theref...
by Aptenodytes
Sun Jan 25, 2015 6:35 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 165
Views: 7047

Re: Recommend a clickless mouse

Anybody have a PC-only solution? I'm frankly shocked that there isn't one out there. Clickiness is nice, but I can't believe that there aren't more superearly birds with spouses they don't want to wake up with the clickiness of their mouse. Seems like an untapped market! I'm not understanding what ...
by Aptenodytes
Sat Jan 24, 2015 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2315

Re: % of portfolio in TIPS- mark to market?

I do not mark my TIPS holdings to market when I track my portfolio, although as Nisiprius says Vanguard does in its statements. There are two reasons I don't do this: 1) it is one less thing I have to do, which is good since there's no automated way I know of to take care of it, and 2) I see little ...
by Aptenodytes
Sat Jan 24, 2015 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: % of portfolio in TIPS- mark to market?
Replies: 4
Views: 471

Re: Surviving the Tax Bite of RMD Withdrawals in Retirement

I don't feel like registering to be able to read the article, but I suspect that people in my situation will have a high need for ingenuity. In particular: 1) Plan to stop working at about age 65 2) Plan to delay SS to age 70 3) No taxable savings 4) Limited Roth -- almost all the retirement portfol...
by Aptenodytes
Sat Jan 24, 2015 7:38 am
 
Forum: Investing - Theory, News & General
Topic: Surviving the Tax Bite of RMD Withdrawals in Retirement
Replies: 75
Views: 6077

Re: Recommend a clickless mouse

Try searching for "silent mouse" or "noiseless mouse." A clickless mouse is a mouse that doesn't work.
by Aptenodytes
Sat Jan 24, 2015 7:26 am
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2315

Re: Where to get medallion signature guarantee

I've always chosen a small local bank wherever I've lived, and this is an occasion to appreciate the virtue of that choice. My bank gives free medallion signature guarantees. They recognize me when I walk in. The other day I got an unexpected check (a rebate from a government agency) made out to a r...
by Aptenodytes
Sat Jan 24, 2015 5:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to get medallion signature guarantee
Replies: 31
Views: 2270

Re: HSA... any receipt savers?

@knpstr, all you've done is point out a mathematically possible scenario in which an HSA investor might have wished that they hadn't paid for medical expenses out of pocket, when they approach the end of their life and look back on things. Mathematically, that is possible, but practically speaking, ...
by Aptenodytes
Thu Jan 22, 2015 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 165
Views: 7047

Re: HSA... any receipt savers?

My strategy is to simply fund it and leave it. I save a scan of "big ticket" receipts on my computer which gets backed up automatically. I plan to use the HSA funds in the future to pay for medical expenses in retirement (20-ish years down the road), but the receipt folder gives me the ab...
by Aptenodytes
Thu Jan 22, 2015 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 165
Views: 7047

Re: HSA... any receipt savers?

knpstr, isn't the difference that the $1000 you invest has already been taxed at 15, 25 or 28%? The dollar left in HSA is pretaxed. Once I invest it in a taxable account, I only have $.72-.85 value invested. Or am I looking at this incorrectly? Whether the $1000 is used to pay for medical expenses ...
by Aptenodytes
Thu Jan 22, 2015 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 165
Views: 7047

Re: HSA... any receipt savers?

@knpstr: You have shown the value of paying out of pocket without realizing it. In your two scenarios, paying out of pocket leaves you with an extra $43.9K in the HSA, whereas paying as you go leaves you with $42.5K in a taxable account. Ignoring taxes, it looks like a wash. Taking taxes into accoun...
by Aptenodytes
Thu Jan 22, 2015 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 165
Views: 7047

Re: HSA... any receipt savers?

Artsdoctor wrote:Aptenodytes, most of us are investing our HSA money, not putting it in a cash account. Many of us started our HSAs at the beginning of the current bull market so our balances have doubled with a lot of the initial seed money.

Not sure why that's addressed to me. I agree with you though.
by Aptenodytes
Wed Jan 21, 2015 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 165
Views: 7047

Re: HSA... any receipt savers?

I forgot to add that last year we modified our approach so that for anything <$50 we just use the debit card and don't track the receipts. In this way we dramatically improve the hassle-reward ratio for the overall enterprise, and shrink the file folders.
by Aptenodytes
Wed Jan 21, 2015 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 165
Views: 7047

Re: HSA... any receipt savers?

I pay out of pocket and save the receipts, year-over-year, until I have "enough" accumulated to finally write a check out of the account; then those receipts go with the cancelled check into a sealed envelope with the tax year to which the 1099-SA applies. Then start the procedure anew. T...
by Aptenodytes
Wed Jan 21, 2015 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 165
Views: 7047

Re: HSA... any receipt savers?

I believe the majority here with HSAs pay health care costs out of pocket. How assiduously people save and organize documentation probably varies quite a bit. My guess is that 99% or more of us will end up going to our graves under circumstances in which the jumbled shoebox approach would have worke...
by Aptenodytes
Wed Jan 21, 2015 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 165
Views: 7047

Re: Figuring out my parent's retirement

1) The 60-month emergency fund seems excessive, though they can afford it if it helps them sleep at night. 2) you don't specify a SS plan, but it seems your father should wait until age 70, and someone who understand SS should recommend what your mother should do. 3) The portfolio seems far more con...
by Aptenodytes
Wed Jan 21, 2015 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Figuring out my parent's retirement
Replies: 15
Views: 1739

Re: good time to invest in a Reit Index fund?

Man, I wish I invested in the Vanguard Reit Fund Admiral last year! It's has been on fire! [/quote] There are just about no good reasons to look back at a fund's performance, though there are many bad reasons. You could plausibly make a case for looking at current valuations, but last year's return...
by Aptenodytes
Wed Jan 21, 2015 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: good time to invest in a Reit Index fund?
Replies: 40
Views: 4462

Re: AA for an 18 year old ?

As a beginner, you are going to get two benefits from these initial investments. One benefit is the return. But the other is knowledge about how you react to market volatility, of both the pleasant and unpleasant kinds. Of these two, the second is by far the more valuable. When you retire, the retur...
by Aptenodytes
Wed Jan 21, 2015 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA for an 18 year old ?
Replies: 29
Views: 1493

Re: Best watch for around $5,000?

I cross time zones a lot Ah I forgot about time zones... Pretty nice that our smart-phones automatically adjust that for us (mine even shows the time back home as well as local time). Ah one person's feature is another person's bug. I always turn off the auto-adjust feature in the phone because it ...
by Aptenodytes
Wed Jan 21, 2015 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 906
Views: 173132

Re: Adjusted Livesoft Income (ALI)

Livesoft, have you thought about auctioning off the naming rights to this indicator as you did for your sig? I might be willing to pay to give it a Rolex or Orman name just to annoy some people.
by Aptenodytes
Wed Jan 21, 2015 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Adjusted Livesoft Income (ALI)
Replies: 31
Views: 3029

Re: Home-owners insurance - Bundle with auto insurance?

It is one of the things you have to check. The rates bounce around a lot and the patterns vary enormously across the country. Where I live Amica/Home and Geico/Auto has beat any bundle the past several years, but there were times when the bundle came out ahead, under a third company. If you want an ...
by Aptenodytes
Wed Jan 21, 2015 11:51 am
 
Forum: Personal Consumer Issues
Topic: Home-owners insurance - Bundle with auto insurance?
Replies: 7
Views: 641

Re: Best watch for around $5,000?

Also, for $5,000 do you need to fiddle with it at the end of every month, or does it know "Thirty days hath September" and take care of that automatically? I did a quick google search and apparently $5000 watches DON'T know what month it is. My $50 Casio thinks it knows what day it is, bu...
by Aptenodytes
Wed Jan 21, 2015 11:44 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 906
Views: 173132

Re: Best watch for around $5,000?

A single handed 24 hour watch is way too difficult to read. At least something like this is fairly readable and you can time to 5 minute increments http://www.meistersinger.net/single-hand-watch/overview/ I can see this being an indicator of your station in life. Those guys in the movies that defus...
by Aptenodytes
Wed Jan 21, 2015 11:36 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 906
Views: 173132

Re: What age did you hit $100,000?

My advice is to focus on the long game, not the short game. There are steps you can take that help you out enormously in the long game but screw up your short game, e.g. advanced degrees. Focus on things you can do to improve your quality of life, your job satisfaction, and your income. You have goo...
by Aptenodytes
Wed Jan 21, 2015 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 5814

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

The question is, do you really know what yours is? This is not a question one can answer well after most of the major indexes have tripled over the past 6 years. Look at yourself in the mirror: did you really stay the course in 2008-2009? If you did, then you know. Bill Given how important it is to...
by Aptenodytes
Wed Jan 21, 2015 11:05 am
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8339

Re: Adjusted Livesoft Income (ALI)

This fits my intuitive sense of "income." I've never understood the salience of AGI -- it is a pure artifact of the tax form and has no intuitive real-world meaning whatsoever. Its only advantage is that it has a very precise definition, but that definition has no relevance. In my case my ...
by Aptenodytes
Wed Jan 21, 2015 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Adjusted Livesoft Income (ALI)
Replies: 31
Views: 3029

Re: Worth upgrading from Delta Gold to Platinum?

I had it for 2 years, and decided to drop it. You get bonus miles when paying for a ticket, but they aren't medallion-qualifying miles so they aren't worth that much. You get free companion tickets but with all the restrictions we never used them. You get reduced-rate day passes to lounges, but I th...
by Aptenodytes
Tue Jan 20, 2015 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Worth upgrading from Delta Gold to Platinum?
Replies: 4
Views: 361

Re: Immediate fixed income suggestions

Lady Geek~ Could you please close this thread? I for one am sick of it! I know-----I don't have to read it!!! It's just back and forth about silly points after covering the OP's post!!! :annoyed Most threads go beyond the point of marginal value. In some cases all relevant information has been prov...
by Aptenodytes
Tue Jan 20, 2015 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Immediate fixed income suggestions
Replies: 74
Views: 3406

Re: How would you invest $1.2 million?

I'd think that to make the idea palatable to your fellow trustees you might want to propose a basket of funds that is tilted to UK equities. If I lived in the UK and someone told me to reduce my UK equity holdings to something like 8% it might give me pause. I believe the UK is about 15% of the non-...
by Aptenodytes
Tue Jan 20, 2015 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: How would you invest $1.2 million?
Replies: 28
Views: 4033

Re: RMD withdrawals.

On the theory that stocks go up more often than down, I take my RMDs early in the year. I just sold a mutual fund in my IRA and immediately bought the same fund in my taxable account with the same fund company. Why would the fact that stock go up more than down cause you to do it early in the year?...
by Aptenodytes
Tue Jan 20, 2015 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD withdrawals.
Replies: 40
Views: 2768

Re: RMD withdrawals.

I don't get the timing concerns. For most people the time horizon will be 20 years or more. If you are consistent the highs and lows will offset. When your portfolio is biggest your RMDs are smallest, in percentage terms, unless the portfolio is growing faster than you are withdrawing, in which case...
by Aptenodytes
Tue Jan 20, 2015 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: RMD withdrawals.
Replies: 40
Views: 2768

Re: Google Chrome: is this a mega security problem?

You are free to throw around putdowns such as 20th century technology, but when serious breaches occur those who focus on functionality at the expense of security suffer the most. In investing, there is a widely accepted maxim not to invest in something you don't understand. In technology, we are f...
by Aptenodytes
Tue Jan 20, 2015 11:40 am
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 6550
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