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Re: I'm thinking about making very large 529 contributions A

I do not yet have children. If I did, I would put as much into the plan as I could, as I would do absent any outside news.
by Dulocracy
Wed Jan 28, 2015 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 71
Views: 5266

Re: Is there a name for this kind of toilet ?

When in Japan, my wife and I were very impressed with the Toto toilets.

http://www.totousa.com/products/toilets

They are sold at Home Depot.
by Dulocracy
Wed Jan 28, 2015 10:39 am
 
Forum: Personal Consumer Issues
Topic: Is there a name for this kind of toilet ?
Replies: 13
Views: 1144

Re: IRA to Roth IRA - Taxed on all or contributions only?

All.

You would have to pay taxes on the principal and gains when you took the money out of the IRA. Transferring it to a Roth counts.
by Dulocracy
Wed Jan 28, 2015 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA to Roth IRA - Taxed on all or contributions only?
Replies: 5
Views: 295

Re: Anyone regret paying off mortgage early?

"segue"... I did not know whether to get my feathers ruffled over someone nit-picking an unrelated matter or not, but I decided to be appreciative instead. I tried spelling segway so many ways to try to get the website to accept a proper spelling without the red line. Seaway or nosegay we...
by Dulocracy
Fri Jan 23, 2015 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 306
Views: 37237

Re: Choosing between Vanguard Pacific, E.M., Intl. Small

A few years ago, Vanguard transitioned the Target and Life Strategy funds from the three international equity funds (i.e. Pacific, Europe, and Emerging) to the Total International Index fund. I would expect that if the three additional funds provided a better expected return for a desired level of ...
by Dulocracy
Fri Jan 23, 2015 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between Vanguard Pacific, E.M., Intl. Small
Replies: 9
Views: 800

Re: Anyone regret paying off mortgage early?

Yes, as Dulocracy notes, there's something akin to survivor-ship bias to this question... TY. If you haven't noticed, OP acknowledged the "survivor bias" 3 years ago. Indeed. I was mostly trying to form a framework to show my position so that I could weigh in on the question based on my c...
by Dulocracy
Fri Jan 23, 2015 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 306
Views: 37237

Re: Anyone regret paying off mortgage early?

OP, you are asking the wrong question. Most, having paid off the mortgage, would be glad that they did. You are asking a limited audience however, and that audience obviously thought it was a better idea for their situation to pay off the mortgage. You should also ask the flip side: Are there those ...
by Dulocracy
Fri Jan 23, 2015 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 306
Views: 37237

Re: Pick Your Poison [Vanguard vs. American Funds]

Judging by the survey currently, I think your answer is clear. 90 for Vanguard, 1 for AF, 1 for splitting the baby.
by Dulocracy
Fri Jan 23, 2015 10:04 am
 
Forum: Investing - Theory, News & General
Topic: Pick Your Poison [Vanguard vs. American Funds]
Replies: 24
Views: 3479

Re: Poll: Principles of Boglehead Philosopy

Grt2bOutdoors wrote:Keep Investing Costs Low, Diversify Your Investments, Stay the Course! Carry on!


I feel accomplished. Those are precisely the three for which I voted. If my answers are the same as Grt2bOutdoors, then I feel like I am on the right path.
by Dulocracy
Fri Jan 23, 2015 9:42 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 66
Views: 3518

Re: Choosing between Vanguard Pacific, E.M., Intl. Small

First, siamond- thank you for the charts and commentary. While my picks may not have been what one would expect, the information you provided was helpful. Using charts over time, I came at my answer. I don't have an answer for you, but I am curious... What's your target split between your 3 funds? M...
by Dulocracy
Tue Jan 20, 2015 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between Vanguard Pacific, E.M., Intl. Small
Replies: 9
Views: 800

Re: Atlanta tax accountant - recommendations?

Likewise sending a PM. I have a CPA referral that I use for all of my clients that is both cost effective and really knows her stuff. If I have tax questions about trusts for a client or how a business will be impacted, I use her as a reference.
by Dulocracy
Tue Jan 20, 2015 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Atlanta tax accountant - recommendations?
Replies: 3
Views: 370

Re: Does anyone here collect currency?

I have a small stack of $1 silver certificates.

I also have a 100 Japanese Peso bill. I had more when I was a kid, but I thought it was play money and lost it. The Japanese Peso was issued during WWII, and my uncle brought some back. I feel bad that I lost several of them.
by Dulocracy
Fri Jan 09, 2015 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here collect currency?
Replies: 30
Views: 1942

Re: Retirement Saving - 15% PRE or POST Tax

I have always heard it as 15% of your pre-tax earnings. The reasoning is that if you use a traditional retirement vehicle, you will still need to pay taxes on the money when you take it out of the account. Especially when you are young, I would try to bump that savings rate up a little bit or to con...
by Dulocracy
Fri Jan 09, 2015 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Saving - 15% PRE or POST Tax
Replies: 15
Views: 1212

Re: Coming late to Roth IRA party for my wife?

It is worth it. Why? You are going to have the money invested more than 4 years. Yes, your wife may retire. You have RMDs coming out. Most people draw down the Roth savings at the end of retirement (unless it is needed for tax strategy in the interim). This means many more years of growth before you...
by Dulocracy
Fri Jan 09, 2015 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Coming late to Roth IRA party for my wife?
Replies: 3
Views: 851

Choosing between Vanguard Pacific, E.M., Intl. Small

My wife and I have backdoor Roth IRAs. We do not yet have enough money in the accounts to fill out our Asset Allocation as per our written plan. While we have total international in our 401k's (which we max), we wanted some additional diversification in our Roth accounts. (If Europe is down when we ...
by Dulocracy
Tue Dec 30, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between Vanguard Pacific, E.M., Intl. Small
Replies: 9
Views: 800

Re: What doyou splurge on?

Anime
Old Movies (black and white mostly)
Art
Date Nights with the Wife
by Dulocracy
Fri Nov 21, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 24393

Re: How often do you go out to dinner?

I make it a point to take my wife out on a date every week. Often, our eating out runs us about $12 a plate, so nothing too spendy, but it is nice to get out of the house to eat from time to time. I would put us at about 1.25 x per week. When we do go out, it is typically to a place that makes food ...
by Dulocracy
Tue Nov 18, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 6588

Re: Jane Austen's Economics

I actually told my wife about this thread. She was very excited. After speaking to her, I clicked on the broken link. I scrolled down to see that someone has requested that a link be posted to these sources. I must second that request, or I shall have a very sad wife.
by Dulocracy
Tue Nov 18, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jane Austen's Economics
Replies: 60
Views: 17131

Re: 20 Year Term Life Policies

A life insurance policy is a contract with very simple terms. If you die, they pay the death benefit, if you live, they don't. I would like to see evidence of any company ever denying a legitimate death claim that was outside of the two-year contestability period. Some companies argue more over wha...
by Dulocracy
Tue Nov 18, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: 20 Year Term Life Policies
Replies: 14
Views: 1954

Re: Harry's razors

I just bought Harry's razors, but I have not started using them yet. I am going to get down to my last razor blade first. That way, if I like it, I will switch over and not look back. Having 10 Mach-3 blades left is too many (and one lasts me for about a month). It will be a while before I report ba...
by Dulocracy
Tue Nov 18, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 6339

Re: what about adding $ to poorly performing asset classes?

I have seen using new money to rebalance promoted here. Because I am more likely to actually rebalance with new money, I do it that way. I will adjust the percentages for my retirement to nudge the number closer over time. For example, I have increased international to 5% more of my new money than m...
by Dulocracy
Tue Nov 18, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: what about adding $ to poorly performing asset classes?
Replies: 23
Views: 2811

Re: Should I have even $1 in Bonds?

I hate that I am advocating for more bonds right now, as I am often a supporter of minimizing bonds in a fund, but I do not believe that is as wise just before retirement. You want to have 0% bonds in your post-social security/pension portion of your portfolio. Your logic is that you are pushing tha...
by Dulocracy
Tue Nov 18, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I have even $1 in Bonds?
Replies: 34
Views: 4422

Re: 20 Year Term Life Policies

I wish to remind you that many people are happy with life insurance that they purchased until they die. It is the heir that needs to worry about which company you chose. Check into which companies are most likely to promptly pay, and which have loopholes or high denial rates. For example: From what ...
by Dulocracy
Tue Nov 18, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: 20 Year Term Life Policies
Replies: 14
Views: 1954

Re: Should I add REITs to my Roth IRA?

The reason that I add REITs to my overall portfolio (through Roth IRA contributions) is because of the lack of correlation with stocks and bonds. While stocks and bonds are often up and down at different times, sometimes they are up or down at the same time. Because REIT funds tend to lack correlati...
by Dulocracy
Tue Nov 18, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I add REITs to my Roth IRA?
Replies: 16
Views: 2182

Re: Civic volunteer orgs for those too old to join the Jayce

As a previous president of a local Kiwanis organization, I can say that the work that I did with that organization was rewarding. Unfortunately, work took me away from the group that I used to visit, but there were many opportunities to volunteer for both fundraisers and for events to assist with lo...
by Dulocracy
Tue Nov 18, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Civic volunteer orgs for those too old to join the Jaycees?
Replies: 14
Views: 2600

Re: Daughter Owes 2013 Taxes-Any Advice?

I would be ok with your proposed idea of paying the state off for her and letting her deal with the IRS. I would suggest that you do so ONLY if you are willing to have a talk with her, explaining that this is a one-time thing. You need to have a heart to heart about not hiding from difficult issues....
by Dulocracy
Tue Nov 18, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Daughter Owes 2013 Taxes-Any Advice?
Replies: 21
Views: 4937

Re: Traditional Health Insurance or High-Deductible: Help!

Thank you all for the feedback. It appears that I misunderstood the HSA issue. Thank you masteraleph for the detailed analysis. It has helped us to make our decision.
by Dulocracy
Mon Nov 17, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Traditional Health Insurance or High-Deductible: Help!
Replies: 4
Views: 529

Traditional Health Insurance or High-Deductible: Help!

My wife just switched jobs, which means switching insurance. We are moving from a high-deductible account with an HSA to new insurance. Currently, only $500 in the HSA, which other Bogleheads have indicated we need to use by the end of the year if we got to a low-deductible insurance. I am not as wo...
by Dulocracy
Sun Nov 16, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Traditional Health Insurance or High-Deductible: Help!
Replies: 4
Views: 529

HSA Account and LOW deductible insurance

My wife is transitioning jobs. We have around $500 in her HSA, but it looks like the new insurance we will have will be a very low deductible insurance with great benefits. Since she transitions over net week, and we have no unpaid medical bills, what happens with the HSA? Can we still use it? Do we...
by Dulocracy
Thu Nov 13, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Account and LOW deductible insurance
Replies: 3
Views: 312

Re: Adoption [Experience from those who have adopted]

... In our state at least, the legal system is set up to protect the parental rights of the biological parents above the right of the child to be in a safe and nurturing environment. I believe this to be a misstatement. While I do not know your state, as an attorney handling family law, I know that...
by Dulocracy
Tue Nov 11, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Adoption [Experience from those who have adopted]
Replies: 39
Views: 5214

Re: Scottrade ROTH IRA advice

There are so many good posts here, there is not much to add. One important note that I did not see:

You have money in a tax-deferred account in a tax-managed fund. Since the account is already protected from taxes, you do not need a fund that deals with taxes. That fund is for taxable investing.
by Dulocracy
Tue Nov 11, 2014 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Scottrade ROTH IRA advice
Replies: 30
Views: 3133

Re: Approach to student debt advice

As an attorney handling divorce cases: do not use her money for your student loan debt if you do not want her to resent it. Of course, you could spin it as "you can quit because you already earned the money" and pay down your student loan debt. It is unlikely that either of you really real...
by Dulocracy
Tue Nov 11, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Approach to student debt advice
Replies: 32
Views: 4839

Re: dad wants to get univ life policy for grandkids

My wife's parents were sold a life insurance policy "for funding college". While I appreciate that it paid for her college, the tax liability that we got from it was a shock. DO NOT let him use this plan. Look into the 529. Look into a Coverdell ESA. Look into a CD at the bank. Do not let ...
by Dulocracy
Tue Nov 11, 2014 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: dad wants to get univ life policy for grandkids
Replies: 21
Views: 2213

Re: paying more on house principal good idea anymore?

Am I missing something? You are considering paying extra on your mortgage while you let a rotting wall... rot? RM +1 PROTECT YOUR ASSET! Get the wood rot fixed first! Not keeping your house in good repair can lead to other, more costly expenses down the road. Fix the house. Max retirements. Then pa...
by Dulocracy
Tue Nov 11, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: paying more on house principal good idea anymore?
Replies: 8
Views: 1470

Re: Help me with 401k Fund Selection

Definitely look into the backdoor Roth. I have mine with Vanguard, and I can use ANY Vanguard fund in it. As someone who tilts, I use the backdoor Roth to get tilt in my wife's account (her retirement options are not very good in her 401k). I am simply meeting my Asset Allocation (commonly abbreviat...
by Dulocracy
Tue Nov 11, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me with 401k Fund Selection
Replies: 6
Views: 579

Re: Taxable account for early retirement?

Oh, bother. I look at bogleheads every day, but I often do not post because I have been too lazy to sign in. I even forgot my password at first. So why did I log in? Because you are messing it up, and this is too important to leave unsaid: You are thinking about your retirement the wrong way. You ar...
by Dulocracy
Tue Nov 11, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account for early retirement?
Replies: 19
Views: 2879

Re: What's the riskiest Bogleheadish asset?

Maybe it is one's home? Good call. Honestly, yes. In my case it has been. I hope to goodness that nothing proves riskier than my home has been. At one point, it lost 55% of its value. Now, we are almost back up to 75%. I have put enough into it that I could sell and walk away from it today without ...
by Dulocracy
Tue Sep 09, 2014 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: What's the riskiest Bogleheadish asset?
Replies: 81
Views: 7386

Re: Simplicity vs. Complexity

...This. Seriously, altering the percentage of equities is cherry picking at best, and it is notable that the slice and dice is not along the lines of small or value. As far as the simple/ complex debate on a Boglehead website, how about using a boglehead slice and dice allocation rather than havin...
by Dulocracy
Tue Sep 09, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Simplicity vs. Complexity
Replies: 50
Views: 3482

Re: Good Modern Science Fiction

Anything by C. S. Friedman (who incidentally is a female). Especially: In Conquest Born This Alien Shore The Madness Season My favorite of hers is a series that begins with the book: Black Sun Rising. This is more fantasy, but it qualifies as sci-fi. I will not say more, as I do not want to give spo...
by Dulocracy
Tue Sep 09, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 151
Views: 8441

Re: Property or stock?

While I would NOT go into real estate now (expecially if you will be moving to a different city), it is not a bad way of making money if you are willing to have a second job. A good resource for rental/landlording is: http://forum.mrmoneymustache.com/real-estate-and-landlording/ By the way, a genera...
by Dulocracy
Tue Sep 09, 2014 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Property or stock?
Replies: 24
Views: 2453

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

Good advice. I would like to add this. After getting your match of 6%, put $0 towards retirement. Instead, do this: 1) Get $1,000 emergency fund. 2) Aggressively pay off your interest debt. 3) Build emergency fund to 2 months. Even if you are using your ROTH as an emergency fund, you really want 2 m...
by Dulocracy
Tue Sep 09, 2014 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help: I am eligible to participate in my first 401K.
Replies: 16
Views: 1694

Re: Employer finding out you have a financial cushion?

To OP: Do not tell. A person I know well that we will call "Susie" works at a Fortune 50 company that has been around a long time. When it comes time for layoffs, the managers often use personal circumstances to make the determination. "Bob has a family and his wife is unemployed, but...
by Dulocracy
Tue Sep 09, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer finding out you have a financial cushion?
Replies: 72
Views: 8746

Re: Employer finding out you have a financial cushion?

The employer also knows your rate of 401k contributions and how much your balance is in your 401k, so they know about some of your cushion... ? I question whether they know the balance. I would like to think there is a firewall between custodian and employer. Can someone confirm? As an employer, I ...
by Dulocracy
Tue Sep 09, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer finding out you have a financial cushion?
Replies: 72
Views: 8746

Re: Atlanta - recommendations on where to live

Where do you work is indeed the issue. Without knowing that, let us examine the following: First, let us start with schools. If great public schools with consistent good marks is the determining factor, you are really looking at East Cobb, North Fulton, and Fayette County as your primary areas. Unfo...
by Dulocracy
Tue Sep 09, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Atlanta - recommendations on where to live
Replies: 24
Views: 1392

Re: [Helping someone] think like a rich person

A 30-year-old woman, whom my wife and I are very close to, grew up quite poor on the streets of a major city, had minimal contact with her family, and dropped out of high school. She's extremely bright and turned her life around on many levels. She's currently attending a top-10 law school. However...
by Dulocracy
Tue Sep 09, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Helping someone] think like a rich person
Replies: 40
Views: 4257

Re: Simplicity vs. Complexity

Shame on them. First of all, the 70/30 portfolio has more exposure to equities than the "complex" portfolio, which has just 55% (excluding REITS) to 60% (including REITS). Since equities are the highest returning asset class over periods this long, we're not on an even footing here. Secon...
by Dulocracy
Tue Sep 09, 2014 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: Simplicity vs. Complexity
Replies: 50
Views: 3482

Re: Rather macabre but necessary question

I am sorry to hear about your diagnosis. My inclination would be to figure out how much money I would need to just get by if it turned out my diagnosis was wrong or they found a wonder drug next year. Keep that set aside. Spread the rest out over 10-12 years and enjoy the rest. If you wind up living...
by Dulocracy
Tue Sep 09, 2014 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 86
Views: 10123

Re: Bank Closing My Account With No Reason Given

CitiBank has branches in Japan (in Tokyo at least), and I found them to be very helpful while in Japan. I would check them out.
by Dulocracy
Tue Sep 09, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 4190

Re: Vanguard Unethical?

There is a certain irony to a lawyer calling out Vanguard for being unethical. Garland Whizzer I agree with sscritic. Law is actually quiet the honorable profession. Because of its self governance and ethical standards, I believe you will find fewer crooked people in the field of law than in other ...
by Dulocracy
Mon Aug 04, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 209
Views: 33284

Re: What actions to take in a stock market crash?

Drop of 40% Buy stock index funds. Further drop of 25% Buy more stock index funds. If you are rebalancing, you keep rebalancing as you go (and as your written investment plan states you should). Of course, if I had any extra money lying around I would not need soon, I would use that to buy as well.
by Dulocracy
Mon Aug 04, 2014 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5959
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