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Re: Cost Basis Method

When I look at my joint account Balances and Holdings, I click on Cost Basis, and it brings me to a page with cost basis summary. When I click on Show Details, I get all the lots beginning with 2012 when IRS rules changed. So I can look at them and decide which lots I will sell and see the basis for...
by BL
Wed Aug 27, 2014 2:03 am
 
Forum: Investing - Theory, News & General
Topic: Cost Basis Method
Replies: 7
Views: 381

Re: Cost Basis Method

With SpecID, you can pick and choose the lots with the highest basis so as to minimize taxes on distributions.
by BL
Wed Aug 27, 2014 1:17 am
 
Forum: Investing - Theory, News & General
Topic: Cost Basis Method
Replies: 7
Views: 381

Re: Family loan implications

Will their estate be over $10M? If not, there should be no gift taxes, just a requirement to file a form.

Could their be something in their will that would even up the amounts based on un-repayed loan?
by BL
Wed Aug 27, 2014 1:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Family loan implications
Replies: 12
Views: 535

Re: Fidelity and Vanguard Reps are they different?

Perhaps if you told him you only want to have Spartan index funds, you would find out if he tries to talk you into more expensive (ER) funds instead, which might help him more than you. Most here would suggest you look at total return (dividends plus unrealized gains) of your portfolio. Choose the b...
by BL
Mon Aug 25, 2014 6:44 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity and Vanguard Reps are they different?
Replies: 6
Views: 773

Re: My Wife's 401k is expensive.

Can you max your 2 IRAs, your work plan, and just enough for a match (if there is one) at hers? Do either of you have an HSA, or deductible plans for kids college funds? If you still have extra funds (maybe after putting extra into mortgage or saving to pay cash for cars, etc., taxable funds like Va...
by BL
Mon Aug 25, 2014 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Wife's 401k is expensive.
Replies: 23
Views: 1414

Re: Portfolio review - input needed please

Take a look at the 3-fund portfolio or the various portfolios listed in the Wiki: http://www.bogleheads.org/wiki/3_Fund_Lazy_Portfolios Suggest you read the Wiki (see Getting Started) and read a couple of recommended books to get a better background. The Amazon link on this site should take you dire...
by BL
Mon Aug 25, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - input needed please
Replies: 8
Views: 576

Re: AMT, TIRA, RMD, and Charitable Giving

If you are looking at pub 590 for 2013, note that QCD is not valid for 2014 at this time. In the past, congress has passed a law in Dec or Jan to enable giving from either December or January. So hopefully, they may do this, but is not the present law. We may wait until December to have Vanguard mak...
by BL
Sun Aug 24, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: AMT, TIRA, RMD, and Charitable Giving
Replies: 4
Views: 532

Re: Help please with revised plan for living in retirement

It seems like there is a plan where you could: Higher earner: file and suspend at FRA, draw on own at age 70 spouse: draw spousal only at FRA, draw on own at 70 If possible, this would bring in income for ~3 years at 1/2 of higher earner's PIA, without giving up any future income. Also consider I-Bo...
by BL
Sat Aug 23, 2014 11:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help please with revised plan for living in retirement
Replies: 15
Views: 2755

Re: calculators for ARM vs fixed mortgages?

given that the ARM will probably not go up to the worst rates

I assume you weren't around in mid-1980's when rates were 15+%.
by BL
Thu Aug 21, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: calculators for ARM vs fixed mortgages?
Replies: 13
Views: 1212

Re: Best one-stop company for renters/car/term life insuranc

I think USAA is open to any honorably discharged veteran and then to their families.
by BL
Thu Aug 21, 2014 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best one-stop company for renters/car/term life insurance?
Replies: 15
Views: 905

Re: Good place to buy eyeglasses without insurance?

While we are on the subject of glasses, I have never worn any but I have noticed that my vision is not what it used to be (turned 50 a couple of months ago). I think I need both some near vision (reading glasses maybe?) and some for cleaning up the blurriness in the far vision (didn't do very well ...
by BL
Thu Aug 21, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 32
Views: 1721

Re: Good place to buy eyeglasses without insurance?

I had new lenses put in an old frame at Sam's Club.

I would guess Flex would work for second pair.
by BL
Thu Aug 21, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 32
Views: 1721

Re: Advice on 401k - Traditional vs Roth

We don't know anything about you so it is pretty hard to make suggestions.

You might get something out of this Wiki page:
http://www.bogleheads.org/wiki/Roth_versus_Traditional
by BL
Thu Aug 21, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on 401k - Traditional vs Roth
Replies: 17
Views: 1275

Re: New guy with questions about IRA, Roth, 401k

Perhaps a really short booklet, If You Can , written by Boglehead William Bernstein for beginners would be a good start, as well as the book and Getting Started in the Wiki. https://dl.dropboxusercontent.com/u/29031758/If%20You%20Can.pdf Then, posting all of your information according to http://www....
by BL
Thu Aug 21, 2014 3:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: New guy with questions about IRA, Roth, 401k
Replies: 9
Views: 1027

Re: New Investor!! Did I make a mistake?

Read the 16-page booklet by Boglehead William Bernstein If You Can : http://www.amazon.com/If-You-Can-Millennials-Slowly-ebook/dp/B00JCC5JKI or here: http://efficientfrontier.com/ef/0adhoc/2books.htm Read some recommended books and Getting Started in the Wiki. There is no rush to change things. Avoi...
by BL
Tue Aug 19, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor!! Did I make a mistake?
Replies: 39
Views: 1556

Re: Resigning- what to do with CALPERS And 457 (small money)

Unless they are already in a Roth I would roll them into a traditional Rollover IRA into a Target Retirement fund or Star, both of which only require $1k instead of $3k to start. Then you could decide to roll them into a Roth if you choose to pay the tax (or roll to TSP). If you have already found o...
by BL
Tue Aug 19, 2014 2:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Resigning- what to do with CALPERS And 457 (small money)
Replies: 5
Views: 529

Re: 20 Year Old With 70k to Invest

Here is a 16-page booklet online (or cheap at Amazon) written just for beginners like you! It is written by a Boglehead, William Bernstein. http://www.etf.com/docs/IfYouCan.pdf If You Can; How Millennials can get rich slowly  Another idea for investing is the Vanguard Target Retirement funds (out-y...
by BL
Tue Aug 19, 2014 2:19 am
 
Forum: Investing - Help with Personal Investments
Topic: 20 Year Old With 70k to Invest
Replies: 49
Views: 2450

Re: Spouse not ready to cut ties with financial advisers

You might want to read this 16-page booklet written for beginners and see if your spouse is interested.http://srv.spulk.com/wjb/if_you_can_v1.pdf

If you Can by William Bernstein
by BL
Mon Aug 18, 2014 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 111
Views: 8443

Re: Beginning Investor Advice

Suggest you look at the 3-fund portfolio: http://www.bogleheads.org/wiki/3-fund_portfolio Also would encourage you to read and watch videos in Wiki, starting with "Getting Started", and read a couple recommended books. There is even an Amazon link here to get you right to them. Good for yo...
by BL
Mon Aug 18, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Beginning Investor Advice
Replies: 6
Views: 587

Re: In-Law Financial Issues (long)

You have received good advice here. Many (most?) of us have loved ones who squander their money (or their life) and we have learned there is almost nothing we can do about it. We can be ready with advice when asked, but being asked is pretty rare and mostly would be when they have reached bottom. Ho...
by BL
Mon Aug 18, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4141

Re: Helping widowed mother with finances

I also suggest you do only the necessary things for now and give your mother especially time to grieve for perhaps a year. Nothing wrong with putting money in a local bank with little or no interest for the next year. The CD rate is actually quite decent. The 3% might be a good deal but only if she ...
by BL
Sun Aug 17, 2014 11:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping widowed mother with finances
Replies: 8
Views: 696

Re: Spouse not ready to cut ties with financial advisers

You will want to get the basis for your taxable funds now, if you don't have it, so you know what the tax cost will be when/if you sell them. Sometimes when you transfer them in-kind, it is difficult to get it after the fact. If they don't reveal loads, maybe you can check your original cost to buy ...
by BL
Sun Aug 17, 2014 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 111
Views: 8443

Re: Finished BogleHeads Guide, Suggestions?

The Bogleheads' Guide to Investing has just been revised. Click on Amazon from this site.

Take a look at the Wiki here. Start with Getting Started.
by BL
Sat Aug 16, 2014 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: Finished BogleHeads Guide, Suggestions?
Replies: 7
Views: 679

Re: Should I Invest in both T-IRA & R-IRA?

for tax bracket now $73,800 taxable income = 2014 top of 15% bracket + $12,400 standard deduction (or itemized) + $7,900 two personal exemptions + $2,400 special deduction for 65-and-over crowd because they're so special + $3,950 your child's exemption -------------- $96,500 gross income $98,05...
by BL
Sat Aug 16, 2014 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in both T-IRA & R-IRA?
Replies: 34
Views: 1283

Re: Help a 19 year old with long term investing porfolio

You don't say if you are also attending college or other training, but that would be investing in your human capital which could be worth much more in the long run.

There is a long thread and a Wiki page on the 3-fund portfolio:
http://www.bogleheads.org/wiki/3-fund_portfolio
by BL
Fri Aug 15, 2014 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help a 19 year old with long term investing porfolio
Replies: 21
Views: 947

Re: Should I Invest in both T-IRA & R-IRA?

Since you would be getting tax back with a t-IRA (if deductible), you would need to consider adding that amount into taxable to have a comparable amount saved to a Roth IRA. That is, you need to compare the growth of both with a Roth to compare fairly. If you can easily fill all the tax-advantaged a...
by BL
Fri Aug 15, 2014 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in both T-IRA & R-IRA?
Replies: 34
Views: 1283

Re: Need Advice RE Investment Advisor...or not

I believe you can also get free (or at most $250) advice at Vanguard with $500k+ funds there. Also they will manage for 0.3% if you choose to go that way. The 3-fund portfolio would be fairly simple. Target R. 2020 or so would be fine, as would Life Strategy moderate, or Welllington or Star. All are...
by BL
Fri Aug 15, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice RE Investment Advisor...or not
Replies: 10
Views: 746

Re: Should I simplify my portfolio?

I understand the Spartan funds at Fidelity are more or less equivalent to Vanguard index funds and would work fine. As I get older, I don't want to even be there because there are salespersons who push the costlier funds to benefit themselves and in a vulnerable moment perhaps I could be convinced, ...
by BL
Wed Aug 13, 2014 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my portfolio?
Replies: 11
Views: 1237

Re: Should I simplify my portfolio?

You are likely to get better advice if you follow the format in Asking Questions http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 This puts together all the items that are needed to get your overall picture which people look for when giving advice. It may seem like a lot of work but it a...
by BL
Wed Aug 13, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my portfolio?
Replies: 11
Views: 1237

Re: Maxed Out & Stressed Out

Total Stock market and total international along with tax-exempt bond funds might do fine. This also might be a possibility for a single balanced fund to go with your GNMA: https://personal.vanguard.com/us/funds/snapshot?FundId=0103&FundIntExt=INT#tab=0 Vanguard Tax-Managed Balanced Fund seeks t...
by BL
Sun Aug 10, 2014 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maxed Out & Stressed Out
Replies: 14
Views: 3463

Re: Advice? About to buy VTSMX as my first fund

The most important thing to know is this: Contributions (that is, the money that you put into your Roth) can come out at any time, free of taxes and penalties.


from: http://www.obliviousinvestor.com/roth-ira-withdrawal-rules/

or look up IRS website.
by BL
Sun Aug 10, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice? About to buy VTSMX as my first fund
Replies: 11
Views: 1467

Re: Advice? About to buy VTSMX as my first fund

Sounds ok, but I would put it into a Vanguard Roth IRA where it grows tax-free forever, and yet the contributions (not the growth) are available for your use without penalty. It will be there for your use, but if you don't need it would be available in the future tax-free.
by BL
Sun Aug 10, 2014 12:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice? About to buy VTSMX as my first fund
Replies: 11
Views: 1467

Re: RMD & Social Security

Sounds like the only thing you have to decide is when to draw ss.

A gov. 457 can be rolled into a regular IRA if desired.
by BL
Fri Aug 08, 2014 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: RMD & Social Security
Replies: 7
Views: 949

Re: RMD & Social Security

As far as I know, this is not considered compensation for SS benefits. I though you were going to ask if it affects taxibility of SS, which it does; you may be taxed on up to 85% of SS if your income is not there already, so only 15% may not be taxable.
by BL
Thu Aug 07, 2014 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD & Social Security
Replies: 7
Views: 949

Re: Too many goals - where do I start?

Fantastic! Are you s ure it matches greater than 6%? If so, you can hardly not invest the max if you have it! Don't believe I have heard of that before. Can you list all the fund names with ERs and symbols? The index funds like Vanguard are often the lowest cost (ER). The 3-fund portfolio is fine i...
by BL
Sun Aug 03, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too many goals - where do I start?
Replies: 53
Views: 3880

Re: Caring for Parents

Call_Me_Op wrote:Sounds like you need to keep this liquid. Best approach may be to find a relatively high-yield bank account and keep it there.

+1
by BL
Sun Aug 03, 2014 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Caring for Parents
Replies: 4
Views: 535

Re: Investing for Someone else

Solid advice everyone thanks. Sorry I wasn't clear I just figured it would be easier. Yes, my mother would be doing all of the investing herself, I'll just help her along the way with the info I read here... They make too much for a Roth IRA and their current employer doesn't offer 401k. Their IRAs...
by BL
Sun Aug 03, 2014 7:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing for Someone else
Replies: 29
Views: 1663

Re: Investing for Someone else

I get the impression that he has a gambling day-trading problem. It is fine if he doesn't want to reveal his finances to you, but it is too bad if he does not reveal it even to his spouse. Is this a cultural thing? Are they each putting in $23,000 into 401ks? Are they eligible to put money in a Roth...
by BL
Sun Aug 03, 2014 12:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing for Someone else
Replies: 29
Views: 1663

Re: Investing Account Advice

There are also special rules that relate to separated parents and married couples who live apart from each other. Taxpayers who qualify for the Head of Household filing status benefit from a higher standard deduction and wider tax brackets compared to the single filing status. The criteria for head...
by BL
Sat Aug 02, 2014 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Account Advice
Replies: 10
Views: 942

Re: Too many goals - where do I start?

Does your employer really match 50% all the way to the max contribution of 17.5k a year? If so, that is a spectacular deal. Once you have built up an emergency fund, max out your 401k. What investing options do you have in there? Thank you! Yep, they match 50 cents on the dollar up to the IRS max a...
by BL
Sat Aug 02, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too many goals - where do I start?
Replies: 53
Views: 3880

Re: Riding Mower Help Needed

Here is a new one on the market: Altoz (some or all are ZTR)
http://www.greenindustrypros.com/news/11210831/altoz-precision-mowers-gieexpo-2013
by BL
Sat Aug 02, 2014 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 44
Views: 2293

Re: Risk Averse Start

Here is another super-short 16-page booklet free online by Boglehead William Bernstein: If You Can: How Millennials Can Get Rich Slowly https://dl.dropboxusercontent.com/u/29031758/If%20You%20Can.pdf Sounds like you are wise in watching out for things that are "sold" rather than sought and...
by BL
Sat Aug 02, 2014 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risk Averse Start
Replies: 28
Views: 2042

Re: My IPS in computer pseudocode

Good way to practice your thought processes to help you follow through. Grandkids in Science Olympiad do something like "Write it, Do it". It is probably not in code, but is good mental practice of precise writing so that someone (else) can follow the directions precisely.
by BL
Sat Aug 02, 2014 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: My IPS in computer pseudocode [Investment Policy Statement]
Replies: 18
Views: 1694

Re: Variable annuities & managed accounts

If you don't get responses you might want to start a new thread instead of an old one. You might want to post the exact name and company to get better advice. Is it beyond the penalty time for cashing it in? There is an upper limit to gains so you don't get all the stock market gains, but I would gu...
by BL
Sat Aug 02, 2014 7:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Variable annuities & managed accounts
Replies: 15
Views: 1731

Re: Need Perspective and Advise

Plan to put off SS until I am 66, then file and suspend and claim 1/2 my wife's SS award. You have the right idea. Not sure about the method. If wife is drawing her ss, you can claim just spousal at your FRA and then claim yours at 70 or whenever you choose. I believe the file and suspend would be ...
by BL
Fri Aug 01, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Perspective and Advise
Replies: 21
Views: 1818

Re: W/ AA - consider all accounts as one, including spouse?

She could just buy one life style fund with appropriate AA, unless she wants to take advantage of the special bond fund in the TSP.
by BL
Thu Jul 31, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: W/ AA - consider all accounts as one, including spouse?
Replies: 23
Views: 1086

Re: Please give me advice to help my parents

I don't know which you should choose, but here are possible Vanguard small business retirement accounts compared: https://investor.vanguard.com/what-we-offer/small-business/compare-plans If they have separate businesses, they probably each have to set up a separate account. All IRAs and 401ks are In...
by BL
Thu Jul 31, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please give me advice to help my parents
Replies: 10
Views: 1338

Re: Question About I-Bonds

I am not sure if the purchase can be completed in just one day. If not, you will have $1500 available Aug 1, 2015, and can sell parts of it leaving at least $25, IIRC, or all of it from then on.
by BL
Thu Jul 31, 2014 8:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Question About I-Bonds
Replies: 10
Views: 789
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