Bogleheads.org

tadamsmar wrote:
The headline should read:

"Boo! (now click on the ads)"

That's really funny!

You'll find many threads covering this, but here's my recap of what you'll likely find... Assuming you're confident the pension will be there in the future*, MANY will likely suggest that the pension: ⋅ should be treated as a future source of retirement income that reduces the amount of in...

100% with the same hesitation and analysis Nisiprius described on Q7.

But Shirley, If one is going to account for inflation, which the scare-you-to-death-so-you'll-buy-a-Ford-F150 media does not, then Shirley, one must account for reinvested dividends which the scare-you-to-death-so-you'll-buy-a-Ford-F150 media does not. PJW Well as LH eloquently pointed out in a sim...

The interview with Michael Mauboussin, author of The Success Equation: Untangling Skill and Luck in Business, Sports and Investing . I highly recommend this book. It is full of useful information on how to differentiate luck from skill. For example, most active managers do not beat the market after...

It seems that most replies forget that you can't claim spousal benefits unless it is larger than your own benefit. It is simple enough to go to ssa.gov and type "divorced spouse" into the search box. There is an answer. Crystal (apprentice Siri) I've read the page at SSA.gov and hate to a...

Welcome to the forum! No, it is not dumb to have two accounts, but you should think of all of your various accounts and balances as one large portfolio for asset allocation (AA) purposes. Also, DIY investment management is really not that difficult, so I encourage you to read some of the recommend b...

Ash, 1) If you made non-deductible contributions to Traditional IRA for 2011, you need to file 2011 8606 form. Assuming there were no withdrawls or conversions from your Traditional IRA for 2011, the 5K basis flows to the next year and your 2012 8606 will start with 5K basis. 2). Your 2012 tax retu...

Thanks for your reply. I understand now that I need to file 8606 with $50 penalty. There was no balance in my rollover IRA on the date I did the conversion ( May 24th 2012) . But there was a significant balance on the last day of previous year ( Dec 31st 2011). In your opinion, do I still owe the t...

transfer of pre-tax IRA to pre-tax Roth is not a conversion and not taxable event. kaneohe : Please define "pre-tax Roth" OP : don't trust kaneohe, me, or any other poster on the interwebs, read Pub 590 and Form 8606. For what it's worth, the wiki has a comprehensive description of the is...

Edit: I see the prior thread linked just above includes information I post below plus much discussion of same. According to FDIC.gov, Full Faith and Credit of U.S. Government FDIC’s Deposit Insurance Fund The FDIC is funded by its member institutions through premiums and assessments paid on deposits...

I did backdoor roth conversion first time last year. Here is what happened: 1) I filed 2011 tax returns on Mar 31st, 2012. 1) Contributed $10k to traditional ira for tax year 2011 and 2012 on April 11, 2012. 2) Transferred my Rollover-IRA to my 401(k) plan on May 10, 2012. 3) Converted $10k balance...

Congrats!

I'm paying off in 5 years... Just about to close on PenFed 1.99 home equity loan.

Don

sscritic wrote:See "assemble your return" in the 1040 instructions.

Despite your professed retirement, you can't help but be helpful!

Cheers!
Don

You might need someone to read form 8888 for you. Siri don't play that no more. Siri missed the $5k part of the OP's post. Not at all. The OP said you had to overpay by $5k to get I bonds back. Thought was to intentionally pay an extra-$5K to get I Bonds back via form 8888. I overpaid by $100 and a...

Maybe they do. That's what I'm asking. Won't the IRS computers give extra credit for the early payments that would offset the penalty for the late ones? It's not a computer. It's form 2210. You fill it out yourself. Do it. See what the consequences are. See if there is any "extra credit."...

An interesting speech by Janet L. Yellen, Vice Chair of the Board of Governors of the Federal Reserve System A Painfully Slow Recovery for America’s Workers: Causes, Implications, and the Federal Reserve’s Response I found the issue/question of whether the ongoing high unemployment rate is the resul...

I think they were trying to say that if the rears had less traction than the fronts it could result in oversteer. Not likely at all in my opinion, I am not worried about that. I got the same explanation from them on this. It's sort of counter-intuitive, but I didn't change them after leaving I just...

So, please, scholars, help me. I have never understood why Shylock would have wanted, or Antonio pledged, "a pound of flesh" in the first place. Is it supposed to be a euphemism, as the word "flesh" sometimes is ("sins of the flesh")--but "the flesh" doesn't ...

Private Wealth Manager

Lifestyle coach

FWIW my 2011 8606 completed by my CPA doesn't have Part I completed. Part II is completed. Based on my reading of the instructions, I believe Part I should have been completed, but if my understanding is accurate, it doesn't change the tax calculation. I'll ask my CPA why they (their software more a...

While you wait for SSCritic to tell you the answer , you can read the Instructions for Form 8606 from the IRS.

Speaking of Jack Bogle and CNBC, Jack was just on CNBC this morning.

Back when all you needed was a birth certificate, and my certificate was not stamped/embossed sufficiently, I made a $60 donation to one Federale's retirement fund to get INTO Mexico. Didn't need anything to get out. Simpler times.

Also what's nice is that even passive investors benefit from short sellers as they can generate significant securities lending fees. Larry I've often wondered how much counter-party risk securities lending introduces to Vanguard funds and whether we can easily determine if the risk is being well co...

Also what's nice is that even passive investors benefit from short sellers as they can generate significant securities lending fees. Larry I've often wondered how much counter-party risk securities lending introduces to Vanguard funds and whether we can easily determine if the risk is being well co...

Seems correct to me. I don't know how long the various funds have been around, but it seems you could easily test the hypothesis by looking at historical data.

Optionsto consider in no particular order:
- Series I Savings bonds
- Series EE Savings bonds
- FDIC bank CDs
- Consider high quality tax exempt munis
From Vanguard:
Limited-Term Tax-Exempt : avg duration of 2.4 years
Intermediate-Term Tax-Exempt : avg duration of 5.0 years

Link below,then first link that comes up works for me :happy http://news.google.com/news/story?rlz=1Y3NDUG_enUS502US502&client=tablet-android-asus-nexus&q=the+risk+of+safety&um=1&ie=UTF-8&ncl=d4xJiYL7F1QLqtM&hl=en&sa=X&ei=JkoFUbL1Aoas8QSAhYG4Bw&ved=0CDoQqgIwAA Or...

How is a Roth conversion tax-free? It's often tax free when doing the "back door" Roth conversion. For example, you make non-deductible TIRA contribution and immediately convert to Roth. Assuming no other taxable contributions or earnings, the conversion is tax-free. No, you pay taxes on ...

I guess this is one of those things you buy if you want to bet on the price of the stock staying approximately the same. If you believe the stock will rise - you buy the stock, if you think it will fall - you short it, and if you think it'll stay the same - you buy this thing. How else can you prof...

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Default User BR wrote:How is a Roth conversion tax-free?


Brian

It's often tax free when doing the "back door" Roth conversion. For example, you make non-deductible TIRA contribution and immediately convert to Roth. Assuming no other taxable contributions or earnings, the conversion is tax-free.

I suspect the local market is fairly efficient and it doesn't matter too much which way you go, IF it is just one ticket every 3 years. If it is 1 ticket every year, or you have an at fault accident, most likely better to pay the lawyers.

So let me see if I've got this. If the price of the stock the Reverse Convertible is linked to stays even, increases, or declines by no more than 20%...the investor gets their 9% or 12% interest payments for a specified period and return of their invested capital at the end. If the stock price decl...

Congrats!

The distance from 2.1 to 2.2 seems like such a long way in the low yield world...

rgr sry - couldn't find any related. guess i am not doing searches correctly :( The search box at top right is quite good as it uses a google site search. Typing "Buffett wager" into the box (without the quotes) delivers numerous threads related to the original bet and how it's playing ou...

many Bogleheads are trend investors with a contrarian tilt.

If you hold taxable, I'll tax your REIT,

'cause I'm the Taxman...

umfundi wrote:
But, let me add that Wall Street is not governed by the laws of physics, and that economic or investing theories are not provable by the Scientific Method.

EVERYTHING is governed by the laws of physics.

Zero coupon treasury bonds (STRIPS, zeros) are probably the best way I know to fund a specific long term nominal goal with basically no uncertainty. Zeros should yield more than FDIC CDs, but still aren't yielding anywhere near the 5.3%+ needed to turn $25k into $200k. The 30 year treasury Zero is y...

We all have our opinion, but a new study of AAII sediment shows that Mr. Market Doesn't Care What You Think! Rick Ferri "AAII sediment " :D Those individual investors that sink to the bottom?? Nice blog, but no surprise that a basically random market (with slight positive real expectation...

The Sharpe Ratio takes variance and return into account in balanced manner . Whatever that means. The Sharpe ratio uses the (granted, a bit theoretical) fact that leverage allows the conversion of low variance to high return. Hence it's possible to replace two values (return and variance) with one ...

Recall the paper and NYT Op-Ed by King and Soneji criticizing the mortality projection methodology of the SSA? There was a thread that briefly discussed it here: NY Times article on Social Security Well, the SSA Office of the Chief Actuary has responded in the Actuarial Note: THE NATURE AND EVOLUTIO...

So if CPI takes changes in quality/quantity into account, I presume if, for example, a candy bar is now 10% smaller, but the same price, it would contribute to price inflation of ~10%... ... And if the consumer doesn't really notice and continues to eat one bar a day at the same price, then they are...

One of the funniest you tubes I ever heard is the "Jimmy Dean Sausage Complaint " call. "You got a 12 ounce roll and you got 3 men that weigh over 200 pounds apiece, a woman that’s a little plump scotch girl and a daughter whose 13 and you’re going to try to take a 12 ounce roll of s...

Our toilet paper now uses larger diameter tubes. I think I first noticed back in 2008 or 2009.

Don

Just keep in mind that Vanguard Total Int'l is about 17% emerging markets. So I don't see anything wrong with your decision, but you have not avoided EM. You've avoided tilting beyond the market in EM and you've potentially lost some ability to rebalance.

Also consider contributing to 401(k) and then taking a 401(k) loan to invest in a TIRA or Roth. There will likely be fees to consider, but it's one way to get your money out of a crappy 401(k) and still benefit from the tax deferred space. Livesoft has several threads/posts on this.

Good luck