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Re: 'Work from Home' Opportunities..?

It sounds like the types where you set up a party and demonstrate your products and hope to sell to your friends or friends of those you have recruited to have their own parties. If the emphasis is on sales of products and not on recruiting more sales persons to increase your line, then there is pro...
by BL
Fri Mar 27, 2015 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: 'Work from Home' Opportunities..?
Replies: 17
Views: 1464

Re: Help convince me to transfer a Met-life VA

Do you have an "in-force illustration? If not, ask the company for it, as that is the only way you can see what is in there.

Some people transfer directly to Vanguard-linked annuities where at least the fees are lower. You could give them a call and find out what they are like.
by BL
Fri Mar 27, 2015 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help convince me to transfer a Met-life VA
Replies: 15
Views: 669

Re: Decisions! Portfolio help for military investor

You can play "what if" games if you enter tax data into a tax program or Taxcaster and see how your taxes are affected. You can try various amounts of CG and see what happens. There would be 0% tax on CG up to the top of the 15% bracket, then 15% after that. Your idea of using traditional ...
by BL
Fri Mar 27, 2015 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Decisions! Portfolio help for military investor
Replies: 21
Views: 1417

Re: My Term Life Insurance

There is quite a difference between 30 yrs and 30-20-10 for mortality reasons.
No need for kid insurance.
I have no idea on costs.

Edit: Annual payments are usually cheaper than monthly.
by BL
Fri Mar 27, 2015 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Term Life Insurance
Replies: 8
Views: 479

Re: Decisions! Portfolio help for military investor

Active stock mutual funds usually have more annual capital gains than index stock mutual funds. (for example, I don't believe I have seen capital gains on the V total stock market funds that we have held for over 10 years.) You can Google to find information on how to find cost basis of mutual funds...
by BL
Fri Mar 27, 2015 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Decisions! Portfolio help for military investor
Replies: 21
Views: 1417

Re: Decisions! Portfolio help for military investor

You are familiar with low-ER funds since you have TSP, the lowest-ER around. The next-best might be Vanguard funds or Fidelity Spartan Funds or Index target funds. You can get Vanguard ETFs without cost at Vanguard and other low cost ETFs at various discount brokers. The loads you paid are a sunk co...
by BL
Thu Mar 26, 2015 2:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Decisions! Portfolio help for military investor
Replies: 21
Views: 1417

Re: Suggest a good passive allocation 4 hi-tax-bracket inves

I do believe you need to think of his age and perhaps yours as well. What happens if you become incapacitated? Do you expect him to give you power to control his assets? Is his family in agreement with this? This assistance is not simple even for children of 80-yr-olds, not to mention friends. What ...
by BL
Tue Mar 24, 2015 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggest a good passive allocation 4 hi-tax-bracket investor
Replies: 34
Views: 2903

Re: Advice for good friend

Does he also control spouse's checking and other money? I find this bizarre. She needs to read her employment contract to see if she agreed to this in writing. Also to find out exactly what is required with investing. I can see the investing part, even though very expensive, but anything else is jus...
by BL
Mon Mar 23, 2015 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for good friend
Replies: 38
Views: 3282

Re: Admiral Shares vs Diversity? Beginner Question

Is this a taxable account? Do you have a 401k or similar retirement account as well as your Roth? You could try to look at your entire portfolio as one and not try to have everything in each account. I don't think you have enough money in the account to worry about Admiral at this time.
by BL
Mon Mar 23, 2015 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares vs Diversity? Beginner Question
Replies: 14
Views: 1261

Re: 401K + Roth + Taxable - new investor, need advice

I think you have been "lucky" with your emergency fund. You may need the money at the same time it drops 50% in value. Have you considered I-Bonds as potential emergency funds? They are tied up the first year, but after that are available. You can each put in 10k/year and the interest is ~...
by BL
Mon Mar 23, 2015 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K + Roth + Taxable - new investor, need advice
Replies: 3
Views: 405

Re: help: new issue with FA

Not sure where you are moving to, but AFAIK, all Vanguard mutual funds (and V ETFs) are free of charge at Vanguard.
by BL
Mon Mar 23, 2015 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: help: new issue with FA
Replies: 6
Views: 415

Re: Do we need irrevocable life insurance trust (ILIT)?

Not everyone is aware that minor children of a diseased Social Security covered person are eligible for Social Security, along with parent of child under 16. Here is one SS link explaining some of that:
http://www.ssa.gov/planners/survivors/onyourown5.html
by BL
Mon Mar 23, 2015 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do we need irrevocable life insurance trust (ILIT)?
Replies: 27
Views: 1718

Re: help: new issue with FA

I would never ever give someone trading authority without my specific ok on each event!

If you are selling to move, why would you have them buy something rather than move cash?
by BL
Mon Mar 23, 2015 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: help: new issue with FA
Replies: 6
Views: 415

Re: Sell farmland or keep?

Your value on day of death is probably the basis of this inherited property. This might be a good time to try to sell. Land price is extremely volatile so it really is whatever price someone is willing to pay. I would talk to the renter and let him know you are thinking of selling and find out how h...
by BL
Mon Mar 23, 2015 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sell farmland or keep?
Replies: 16
Views: 1386

Re: Convince a Newly Converted Boglehead to sell AAPL shares

Do you use a tax program to do your taxes? See what the tax consequences are as sometimes there are unexpected ones.

This forum is not your boss. Do what you feel is best, and if you are not convinced yet, wait until you are. Be prepared for regrets either way.
by BL
Mon Mar 23, 2015 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convince a Newly Converted Boglehead to sell AAPL shares
Replies: 20
Views: 1935

Re: Suggest a good passive allocation 4 hi-tax-bracket inves

Maybe consider Vanguard Tax-Managed Balanced Fund Admiral Shares (VTMFX). https://personal.vanguard.com/us/funds/snapshot?FundId=0103&FundIntExt=INT Even that could be too aggressive (50-50 stock-bond) for someone who has never invested, but the 80/20 sounds really aggressive in that respect.
by BL
Mon Mar 23, 2015 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggest a good passive allocation 4 hi-tax-bracket investor
Replies: 34
Views: 2903

Re: 1st Taxable Account with Vanguard. Investing Strategy.

If I setup a lazy portfolio do I base the allocations on the total of all my accounts such as 401k + money invested into Vanguard or just the money in my Vanguard account. I would really like to setup the Vanguard account separately and gain 7-9% on money. Bonds I don't think will get me that. If i...
by BL
Sun Mar 22, 2015 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1st Taxable Account with Vanguard. Investing Strategy.
Replies: 19
Views: 2219

Re: Retiring. Looking for advice on 401K rollover

What funds do you have now and what is their Expense Ratio? What % in each fund? Do you want something very similar if you move it to an IRA? Vanguard ERs are better than most, so there would be little harm done to move it there. If you take on an adviser (salesman) who charges you AUM, and buys hig...
by BL
Sun Mar 22, 2015 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring. Looking for advice on 401K rollover
Replies: 6
Views: 698

Re: 1st Taxable Account with Vanguard. Investing Strategy.

All the funds you show are ridiculously expensive. Do you have any clout to get anything added to the list of choices? Even one fund that follows the S&P 500 and has lower than 0.5% ER would be a fantastic improvement! Then you could balance that with bonds and International in your Vanguard acc...
by BL
Sun Mar 22, 2015 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1st Taxable Account with Vanguard. Investing Strategy.
Replies: 19
Views: 2219

Re: Newbie knows nothing, feedback appreciated.

Have you considered a vanguard target fund such as the Vanguard Target Retirement 2025 Fund (VTTVX).)This really takes all the hard stuff out of selecting the right funds and will at least get you in an asset allocation that is somewhat reasonable. Another +1 The Target and Life Strategy funds are ...
by BL
Sun Mar 22, 2015 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie knows nothing, feedback appreciated.
Replies: 21
Views: 1547

Re: IRA advice needed

If you didn't claim a deduction, you should have filed a Form 8606. You can still probably file the multiple forms after you gather the information on your contributions.
http://www.irs.gov/uac/Form-8606,-Nondeductible-IRAs

This will document that it was not deducted.

Good luck!
by BL
Sat Mar 21, 2015 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA advice needed
Replies: 8
Views: 714

Re: Mother-in-laws portfolio. Need advice.

I suggest you and she get on the phone to Vanguard and see if she can transfer everything "in kind" to Vanguard. She could get advice on selling funds there and perhaps just getting a suitable Life Strategy Income or Target Retirement Income fund. If she decides to move, she may not need t...
by BL
Sat Mar 21, 2015 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mother-in-laws portfolio. Need advice.
Replies: 9
Views: 1143

Re: Opened an account Vanguard yesterday, now having cold fe

I want to say thanks to everyone for all your help. I am not regretting my decision now and wondering if I decide to buy more, what do you suggest? We just had a $100,000 cd called and do want to invest that part for income because we were taking a check monthly. Perhaps this should be in a new top...
by BL
Sat Mar 21, 2015 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opened an account Vanguard yesterday, now having cold feet
Replies: 60
Views: 3600

Re: Opened an account Vanguard yesterday, now having cold fe

You picked good funds to invest in but you don't say what % is in each. Did you follow one of the Life Strategy or Target Retirement funds to decide on these funds? The reason I ask is that they are made up of Total Stock Market, Total International stock market, Total Bond market and international ...
by BL
Sat Mar 21, 2015 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opened an account Vanguard yesterday, now having cold feet
Replies: 60
Views: 3600

Re: Mother-in-laws portfolio. Need advice.

Suggest you look up the ER and other fees of each fund at Morningstar. I see some class C funds which are deferred loads (might have to pay to get out of) which usually have high 12B-1 kickbacks to the broker. Also CDs at a bank might be a better choice than paying high Expense Ratios and management...
by BL
Sat Mar 21, 2015 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Mother-in-laws portfolio. Need advice.
Replies: 9
Views: 1143

Re: 1st Taxable Account with Vanguard. Investing Strategy.

Just a comment here to say that in order to get advice on fund selection, the ER (expense rate) is needed for each fund. I didn't notice any index funds and they are usually the lowest ER.
by BL
Sat Mar 21, 2015 12:54 am
 
Forum: Investing - Help with Personal Investments
Topic: 1st Taxable Account with Vanguard. Investing Strategy.
Replies: 19
Views: 2219

Re: 32, New to investing, No retirement fund, Advice Please

My suggestions: Do a simple net worth statement maybe every 6 months or at least annually. It doesn't have to be a fancy spreadsheet, plain ol' pencil and paper would work fine. Any payments on loans would increase net worth, as would investments. You are well on the way. Paying off credit cards is ...
by BL
Fri Mar 20, 2015 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: 32, New to investing, No retirement fund, Advice Please
Replies: 24
Views: 1821

Re: 32, New to investing, No retirement fund, Advice Please

I owe about $51,000 in student loans. The interest rates range from 1.6 - 6.8%!!! I have zero credit card debt, thankfully! For more specific advice, list how much you owe at each rate. Usually you would pay minimums on all, but add extra to the highest rate loan (or perhaps the smallest loan, Rams...
by BL
Fri Mar 20, 2015 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 32, New to investing, No retirement fund, Advice Please
Replies: 24
Views: 1821

Re: Newbie knows nothing, feedback appreciated.

This education business probably seems daunting Sonomasmiles. It does take time, and maybe you don't feel comfortable doing everything yourself in the near future. I suggest you take a look at Vanguard's Personal Advisor Services (PAS). The web page is here: https://investor.vanguard.com/financial-...
by BL
Wed Mar 18, 2015 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie knows nothing, feedback appreciated.
Replies: 21
Views: 1547

Re: Looking to establish life plans - issues/concerns

1-2. I do believe you have been spoiled by the low ERs in TSP! While .3 doesn't sound bad to me, I would roll over to a Roth IRA and either use the same Target fund you already have, or break into a 3-fund portfolio if desired for cheaper ERs. Why not calculate the dollars it would save you now and ...
by BL
Wed Mar 18, 2015 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking to establish life plans - issues/concerns
Replies: 7
Views: 726

Re: 23 year old investing advice after large settlement (500

I agree about getting educated here and elsewhere. You could start with "getting started" in the Wiki, read some recommended books and watch to videos here, etc. The money can stay in an FDIC covered bank account or credit union covered account, split in two to meet the 250k maximum insure...
by BL
Tue Mar 17, 2015 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 year old investing advice after large settlement (500k)
Replies: 10
Views: 1830

Re: Advice on guiding an hour discussion with military

You have received lots of good info here, both on presentation style and subjects. I think a sheet including links like Bogleheads, and perhaps this 16-page online (or Amazon Kindle) would be short enough to read, for them or spouses: http://www.etf.com/docs/IfYouCan.pdf If You Can: How Millennials ...
by BL
Mon Mar 16, 2015 8:52 pm
 
Forum: Investing - Theory, News & General
Topic: Advice on guiding an hour discussion with military
Replies: 35
Views: 1927

Re: Please Help: I am eligible to participate in my first 40

Yes, congratulations! You have made progress and handled the ups and downs.
by BL
Mon Mar 16, 2015 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help: I am eligible to participate in my first 401K.
Replies: 19
Views: 2022

Re: Credit Report Very Low For No Reason? Fixing it?

annualcreditreport.com is the one you want to go to for your credit report. It won't give you your score, however. This is the federally approved source. Do this ASAP with all 3 and study it carefully. You are authorized 1 free report each year. They may have some hints on what affects your score. ...
by BL
Mon Mar 16, 2015 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 56
Views: 2866

Re: Vanguard variable annuity

If you must have a variable annuity, Vanguard is probably one of the better ones. It is often recommended as a 1035 exchange for someone who was SOLD an expensive one somewhere else, in order to control taxes. It can result in gains being ordinary income rather than capital gains which you would hav...
by BL
Mon Mar 16, 2015 8:31 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard variable annuity
Replies: 7
Views: 723

Re: Should tilters recommend tilting to beginners?

The summary is: A 3 fund portfolio is a very good recommendation for a "beginning investor" and/or a investor who is "just beginning". :D Bill Bernstein things so too: http://www.amazon.com/If-You-Can-Millennials-Slowly-ebook/dp/B00JCC5JKI Neurosphere This is a great tiny on-lin...
by BL
Sun Mar 15, 2015 9:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should tilters recommend tilting to beginners?
Replies: 49
Views: 2727

Re: Clergy taxes FICA SECA

I don't know if this can be corrected beyond the 3-year time limit, but if the time limit on amended returns is 3 years, there is a possibility that that time limit expires on April 15th for 2011?? In other words, work quickly.
by BL
Sun Mar 15, 2015 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Clergy taxes FICA SECA
Replies: 6
Views: 591

Re: [Help with starting a] Three Fund Portfolio

Yes, until you need a taxable retirement account, you can simply use one of the suggested balanced accounts. You could even pick a similar account in TSP if you choose and you would have a very diversified, low-cost, simple portfolio. It contains the 3-fund portfolio, and could easily be changed whe...
by BL
Sun Mar 15, 2015 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Help with starting a] Three Fund Portfolio
Replies: 20
Views: 2039

Re: Edward Jones - A Detrimental Option for Investors

You still don't say if some or all is in a taxable account where tax consequences should be considered. If it can all be moved "in kind" to Vanguard, then some time might be taken to consider when to sell to keep down capital gains taxes ( such as waiting until their income goes down), whi...
by BL
Sun Mar 15, 2015 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - A Detrimental Option for Investors
Replies: 13
Views: 2452

Re: Defined-Benefit Retirement Plan

If you are interested in seeing how pensions change over the years, here is a link to the MN TRA changes by year: https://www.minnesotatra.org/memberinfo/a-history.html Note the interest rates of 1980: 1980 The Minnesota Post Retirement Investment Fund (MPRIF) or Post Fund was created. The Post Fund...
by BL
Sat Mar 14, 2015 9:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Defined-Benefit Retirement Plan
Replies: 11
Views: 1122

Re: American Funds beats the market 97% of the time?

I would say these results probably do not take into consideration either the ~5% loads and/or the ~1% management fees that the brokers pick off. Not sure if the 12B-1 kickback fees included in the ER is included. Also there are several classes of American funds such as the C funds with deferred load...
by BL
Fri Mar 13, 2015 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: American Funds beats the market 97% of the time?
Replies: 50
Views: 5208

Re: Maxed 457 & Roth IRA...Traditional or Roth 401k Next?

With a 2015 personal exemption of $4K and S.D. of $6.3K, add that to $37.45K to see what you can add and still stay within the 15% tax bracket. Don't forget to consider state tax as that could be your deciding point. I don't think there is a definite answer here, but it may be based on whether you e...
by BL
Fri Mar 13, 2015 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Maxed 457 & Roth IRA...Traditional or Roth 401k Next?
Replies: 15
Views: 881

Re: Investment choices for a 22 yr old

I suggest you encourage him to read "getting started" in the Wiki, watch the videos, and read a recommended book or two. Also, here is a booklet for newbies, either on-line or on Amazon.com: http://www.etf.com/docs/IfYouCan.pdf I also suggest he pay off loans, build an emergency fund, and ...
by BL
Thu Mar 12, 2015 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment choices for a 22 yr old
Replies: 10
Views: 903

Re: 100% Stocks Long Term Pro/Con

nisiprius wrote:
Purelife304 wrote:I believe there were also several years during that time when bonds did better than stocks.



Thanks for the graphs. It is good to see a visual comparison.

By the way, the quote above at the beginning of your post was Purelife quoting me. I am not sure he believed my undocumented comment.
by BL
Thu Mar 12, 2015 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stocks Long Term Pro/Con
Replies: 51
Views: 3493

Re: Free me from my broker?

Take your time but start studying what you have. Check the statements carefully for information on fees, % charge on AUM, buys, sales, 1099 broker and div statements. It is really hard to find all the fees on the statements and they may not even be there. Look up each fund on Morningstar (or other) ...
by BL
Thu Mar 12, 2015 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Free me from my broker?
Replies: 12
Views: 848

Re: 100% Stocks Long Term Pro/Con

From March 2, 2015 CNN Money: http://money.cnn.com/2015/03/02/investing/nasdaq-hits-5000/ Finally! The Nasdaq topped the 5,000 level Monday for the first time since March 2000. If you invested your money 15 years ago in a NASDAQ index, you would now be even. I believe there were also several years d...
by BL
Thu Mar 12, 2015 8:09 am
 
Forum: Investing - Theory, News & General
Topic: 100% Stocks Long Term Pro/Con
Replies: 51
Views: 3493

Re: Turbo Tax /?estimated taxes payments for 2015 ??

so, am I correct, that there may be situations, like with VG Inherited IRAs RMDs, where no State withholding is allowed, so one's ONLY option, is to pay estimated taxes ? this year for example, I'm anticipating that a good chunk of my taxable income is going to be IIRA RMDs, percentage wise, as loo...
by BL
Thu Mar 12, 2015 7:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax /?estimated taxes payments for 2015 ??
Replies: 18
Views: 1364

Re: Medicare - already covered but turning 65 ?

I also suggest you sign up for Part A. There is no cost and it could come in handy, possibly in some circumstances. I have seen a real-life example with a co-worker who was covered by city insurance; she didn't need it in the hospital, but had to scramble in order to get into some type of rehab unti...
by BL
Wed Mar 11, 2015 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare - already covered but turning 65 ?
Replies: 11
Views: 1077

Re: Lower AGI via TIRA to lower health premium?

Not sure if I am thinking right about this, but the almost 2,000 extra that is put into the tIRA to reduce AGI (but doesn't reduce taxes as they are already $zero) will again be taxed in the future when removed from IRA. So it seems to me that you are trading a $300 ins. savings for a $280 cost in f...
by BL
Wed Mar 11, 2015 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lower AGI via TIRA to lower health premium?
Replies: 16
Views: 925

Re: Convert tIRA to Roth?

Is she/will she take SS? If not, she can make ~$49k and be the top of the 15% tax bracket, and a bit more if her income includes SS (0-85% of her SS is taxed). I am looking at Single filing status. I would definitely consider it to the top of the 15% bracket, and possibly into the 25% bracket. You n...
by BL
Wed Mar 11, 2015 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Convert tIRA to Roth?
Replies: 6
Views: 399
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