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Re: Mutual fund account with Vanguard or MerrillEdge?

FYI, in case anyone did not mention this, is that ML probably has a fee for closing your account, so you might want to factor that into your calculations.
by Iorek
Fri Jul 25, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual fund account with Vanguard or MerrillEdge?
Replies: 30
Views: 939

Re: i bonds or EE bonds?

Which savings bond will give better return for the next 20 years?Which also means will inflation be over 4% on average over the next 20 year period? Remember EE bonds have guaranteed 20 year return John This was the OP. There's nothing there about choosing equity instead, or holding your savings bo...
by Iorek
Fri Jul 25, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: i bonds or EE bonds?
Replies: 44
Views: 5282

Re: Seeking sample retirement portfolios

I like this post ("150 portfolios better than yours") from EmergDoc.
by Iorek
Fri Jul 25, 2014 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Seeking sample retirement portfolios
Replies: 13
Views: 1158

Re: Just purchased a condo. Insurance question

FWIW, when I lived in a condo I bought my HO-6 from the same company that the condo ass'n used for its insurance because I figured that way there would never be an argument between companies as to which policy should cover damage.
by Iorek
Sat Jul 19, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Just purchased a condo. Insurance question
Replies: 10
Views: 906

Re: [Poll] % of 3 funds in your financial asset portfolio?

I counted ibonds as not part of the total, but not in 3-fund. Is that "right"?
by Iorek
Fri Jul 18, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] % of 3 funds in your financial asset portfolio?
Replies: 31
Views: 1665

Re: I-Bonds: Physical or Digital?

If you poke around this is discussed occasionally and I think it's fair to say it's a matter of personal preference but the differences are pretty minor. I converted mine because I thought they would be easier to manage and not to lose, esp. since the majority of our bonds are electronic, but some p...
by Iorek
Fri Jul 18, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds: Physical or Digital?
Replies: 5
Views: 625

Re: Withdraw from 529 or FL Prepaid for tuition by grandpare

My grandson is starting college this fall, would it be better to pay the school tuition from the Fl Prepaid account or his 529 plan. Does it even matter? he is going to college not a university and his prepaid plan covers university prices so he should have excess funds. He is hoping to go to a uni...
by Iorek
Tue Jul 15, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Withdraw from 529 or FL Prepaid for tuition by grandparent
Replies: 3
Views: 413

Re: POLL: Emerging Markets Tilt

I'd be curious if there was a poll option for underweighting emerging markets (which I do, but as much or more because of available investment vehicles in my retirement accounts as any philosophical decision).
by Iorek
Tue Jul 15, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Emerging Markets Tilt
Replies: 12
Views: 750

Re: Estate planning book?

I think the Nolo Willmaker book is a good overview for wills and estates (even for people not using it as DIY will). The Willmaker I know is not a book; it is a computer program. Willmaker is made by Quicken, although Nolo attorneys are involved in providing legal advice: Quicken WillMaker Plus is ...
by Iorek
Tue Jul 15, 2014 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Estate planning book?
Replies: 12
Views: 1242

Re: Estate planning book?

I think the Nolo Willmaker book is a good overview for wills and estates (even for people not using it as DIY will).
by Iorek
Tue Jul 15, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Estate planning book?
Replies: 12
Views: 1242

Re: If you had $100K how would you invest it?

If it was me, I would probably use some of the money to convert the traditional IRA to Roth, once your taxable income is lower (which also gives you the option of a backdoor Roth). I would probably also start putting 10k a year into ibonds, and keep the rest of the money in an internet bank for a ye...
by Iorek
Tue Jul 15, 2014 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: If you had $100K how would you invest it?
Replies: 10
Views: 2208

Re: Family cabin planning

I know a family with a similar situation and I think at some point some cousins simply bought out the other cousins because it was unworkable. I suppose you could also put it into some kind of trust or corporate form and then give people shares of that, but I don't know how practical that is over th...
by Iorek
Fri Jul 11, 2014 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family cabin [Estate] planning
Replies: 25
Views: 1967

Re: Take the money and run? (Pension Buyout Offer)

Is the pension insured by PBGC? If so, I might take it, although I tend to be on the conservative side and it might not be enough money to worry about.
by Iorek
Tue Jul 08, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take the money and run? (Pension Buyout Offer)
Replies: 15
Views: 1998

Re: Is this a Wash Sale?

This may be obvious but if your existing position has unrealized gains then you don't need to worry about a wash sale.
by Iorek
Tue Jul 08, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this a Wash Sale?
Replies: 10
Views: 710

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

If you want dual ovens I would look at the GE-- last when we looked they had the most usable dual ovens (at least until you got to the super-expensive brands like Wolf).

FWIW we ended up with a GE range, Kitchenaid dishwasher, and LG fridge.

Agree gardenweb is very helpful.
by Iorek
Fri Jul 04, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 47
Views: 3071

Re: Transplant hard drive from old to a new laptop?

stevep001 wrote:The hard drive is the part of the laptop that wears out. You'd be better off migrating the disk image to a new physical drive.


+1
by Iorek
Tue Jul 01, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Transplant hard drive from old to a new laptop?
Replies: 16
Views: 673

Re: Vanguard Financial Plan and TSP

I wouldn't expect Vanguard CFs to know the G Fund, as it's an unusual scenario for them and that fund won't fit into their templates. So if you want the G Fund, just keep it regardless of what Vanguard recommends. I understand the G fund is unusual, but I think it's irresponsible to allow people to...
by Iorek
Tue Jun 10, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Financial Plan and TSP
Replies: 15
Views: 1518

Re: Retirement Planning

We recently had an influx of cash to our taxable acct, so have stopped IRA withdrawals for the rest of this year. I have added 30K in cash to taxable which we will use if necessary. Is there any way to hold that somewhere other than MM fund which charges .17%? I might be better off keeping it all i...
by Iorek
Tue Jun 10, 2014 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4045

Re: New Happy-in-Retirement Book

I cannot believe I looked at or took the test. If you rent, have no mortgage and drive an American car (well that I won't do, a remnant from the bailout a few years ago), I think you are committed to pergatory. +1 That was a bizarre survey. It's like he had a few factoids and then figured he could ...
by Iorek
Sun Jun 08, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Happy-in-Retirement Book
Replies: 10
Views: 1291

Re: Home Mortgage question for a 60 year old

I think it would be against the law for a lender to charge higher rates based on age. Anecdotally, a relative recently got a 30 year mortgage at 70.

I have heard it is more difficult, but not impossible, to get a mortgage once you are retired.
by Iorek
Sun Jun 08, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Mortgage question for a 60 year old
Replies: 12
Views: 1252

Re: Expense ratio? How much difference does it make?

Admiral class components will give better results over your years of investing. But the TR funds rebalance for you. You need to decide if/how your asset allocation will change over time. You are starting with an 80/20 stock/bond allocation which might be appropriate for someone at the beginning of ...
by Iorek
Sat Jun 07, 2014 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 1801

Re: Expense ratio? How much difference does it make?

Admiral class components will give better results over your years of investing. But the TR funds rebalance for you. Hi, From what I've read about re-balancing, can you please tell if my understanding is correct? e.g. Today if we decide 50/30/20 for a 3-fund portfolio, then once a year, we should re...
by Iorek
Sat Jun 07, 2014 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 1801

Re: Vanguard Financial Plan and TSP

During the in-person consultation the planner said VG thinks of the G fund as a stable value fund, but when I pointed out that the G fund interest rate is really more comparable to an intermediate bond fund (which they were recommending we purchase) she agreed. What do you think stable value rates ...
by Iorek
Fri Jun 06, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Financial Plan and TSP
Replies: 15
Views: 1518

Vanguard Financial Plan and TSP

We went through the Vanguard Financial Plan process recently and I thought I'd mention a few things specific to feds, as I think there are a few of us on the board. I won't try to describe the whole process, as I think other posts, and especially tfb's blog posts (which I read carefully before start...
by Iorek
Fri Jun 06, 2014 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Financial Plan and TSP
Replies: 15
Views: 1518

Re: Checking account instead of savings account?

I have similar issues. One thing I've tried is having a round floor of say, $5,000, in the checking account, and try and train myself not to think of that $5k as "available". I do keep some money in a separate online account, because I like having that to fall back, esp. when the interest ...
by Iorek
Sat May 31, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Checking account instead of savings account?
Replies: 11
Views: 1327

Re: Difficulty opening Treasury Direct account

... Does Treasury Direct use one of the credit bureaus (Equifax, Experian, Transunion) to verify identity with their online application? Yes, at least it used to be Experian. That would seem a little odd since they could just use their own IRS, and they have lots of tax records on me. Congress lega...
by Iorek
Sat May 31, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Difficulty opening Treasury Direct account
Replies: 15
Views: 1233

Re: Do assets help with mortgage rates?

I've actually had the bank take retirement accounts off the application because if you don't need them to qualify it's just more documentation to produce/process. But in reality I wonder if those two people would have identical credit scores.
by Iorek
Thu May 29, 2014 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do assets help with mortgage rates?
Replies: 11
Views: 1145

Re: Bonds - Throw it all on the table!!!

These arguments all make me feel better about roughly replicating our asset allocation across our different accounts (although I recognize that is probably the opposite of the intended effect).
by Iorek
Wed May 28, 2014 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 135
Views: 14660

Re: Bonds - Throw it all on the table!!!

I was advised to dump VAIPX TIPS during my Vanguard portfolio review at the beginning of last year. I didn't. In hindsight, it turned out to be good advice, but I stuck to my original plan. (which was vetted on this very forum) :wink: That is interesting. I have read a few threads lately where Bogl...
by Iorek
Mon May 26, 2014 10:00 am
 
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 135
Views: 14660

Re: Cost basis of stock gifts using the lifetime exclusion

Wouldn't person A rather pay LTCG tax than gift tax, and gift the proceeds? By giving the stock he pays neither gift nor capital gains tax. Perhaps the donee is in a lower tax bracket or has no plans to sell the asset. Bruce Sorry-- that comment was directed at the question of whether the basis wou...
by Iorek
Fri May 23, 2014 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: Cost basis of stock gifts using the lifetime exclusion
Replies: 11
Views: 613

Re: Cost basis of stock gifts using the lifetime exclusion

Wouldn't person A rather pay LTCG tax than gift tax, and gift the proceeds?
by Iorek
Fri May 23, 2014 11:54 am
 
Forum: Investing - Theory, News & General
Topic: Cost basis of stock gifts using the lifetime exclusion
Replies: 11
Views: 613

Re: New Hampshire Tourism

One thing I would say is that it's a small state but aside from the highways (89, 91, and 93) it can be hard/slow to get around. There is a great amusement park for young kids (say ages 5-8) called Storyland near the White Mountains, so you could combine a visit there with one to Mount Washington (o...
by Iorek
Thu May 22, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: New Hampshire Tourism
Replies: 8
Views: 549

Re: Seeking a pre paid mobil plan for a visit to the UK

I think T-mobile has free roaming to the UK, so another option would be to get a t-mobile SIM card and sign up for a month with them.
by Iorek
Wed May 21, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Seeking a pre paid mobil plan for a visit to the UK
Replies: 12
Views: 486

Re: Life insurance term length

I'm not an insurance agent but my understanding is that 20 years of 20 year level term is almost always going to be cheaper than 20 years of 10 year renewable term-- the insurance companies make a decent margin off people who drop their insurance policy early but if you don't you'll be better off ge...
by Iorek
Tue May 20, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance term length
Replies: 2
Views: 203

Re: Emergency Fund Revisited

Like some others, we have about $15k in a bank account (that pays about .5-1%), for short-term spikes in spending (such as planned or unplanned home improvement), plus money in i-bonds. There are more ibonds than needed for an emergency fund, so I used to mentally segregate the ibonds into emergency...
by Iorek
Tue May 20, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund Revisited
Replies: 24
Views: 1843

Re: advice regarding hard to find HVAC freon leak

I had an older system, so not really the same, but when I had a leak I ended up concluding it wasn't worth trying to find it-- was going to cost too much and might not do much good vs. simply replacing it.
by Iorek
Mon May 19, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2782

Re: Where to Allocate 10K Right Now

joer1212 wrote:Both indexes seem very expensive, but the alternative (leaving that money in cash earning virtually nothing) is probably even worse.



You know you are a boglehead when you read this and think "but with 10k you could get admiral shares, so the ER would really be very low" :oops:
by Iorek
Mon May 19, 2014 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to Allocate 10K Right Now
Replies: 32
Views: 1804

Re: Do you own / have you owned a Chevrolet Volt?

Bought my Volt this week too. I sold the Nissan LEAF for the Volt. Never thought I would buy a car from Chevy but the Volt convinces me. In fact there was a report that the Volt is bringing Chevy many new customers -- nearly 7 out of 10 Volt customers are new to the brand. Not sidetrack the thread,...
by Iorek
Fri May 16, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Do you own / have you owned a Chevrolet Volt?
Replies: 39
Views: 4454

Re: Consumption smoothing of retirement

I think it's an interesting discussion, but I agree with those who say it fails to take into consideration the reality of many people's working world. I know plenty of working people who be happy to go part-time, or take a year or three off to have kids, but they can't because employers don't percei...
by Iorek
Fri May 16, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Consumption smoothing of retirement
Replies: 23
Views: 2257

Re: why do investors keep buying actively managed funds?

I think the real question is why do employer-sponsored plans, where there is presumably someone with knowledge and a fiduciary duty, still offer managed funds, particularly high expense ones. The Johnson family and others have gotten hugely wealthy at the expense of the retirement security of workin...
by Iorek
Thu May 15, 2014 8:59 am
 
Forum: Investing - Theory, News & General
Topic: why do investors keep buying actively managed funds?
Replies: 104
Views: 7099

Re: St Maarten

be extra careful with bug repellant this year and have a great time
by Iorek
Wed May 14, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: St Maarten
Replies: 10
Views: 1194

Re: Books for someone who is not that interested

If You Can by William Bernstein, free and only 16 pages long so she can read it in an hour. Clear, to the point, and a quick read. Available free here: http://efficientfrontier.com/ef/0adhoc/2books.htm +1 On general personal finance, I've found Jane Bryant Quinn helpful (we had a book that did not ...
by Iorek
Tue May 13, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Books for someone who is not that interested
Replies: 48
Views: 3253

Re: 10% penalty on 529 plan really a penalty?

To start with, I'm not sure why you'd apply the same tax rate to both, since a taxable account takes advantage of the cap gains tax rate differential, while a 529 is all ordinary income.
by Iorek
Tue May 13, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 10% penalty on 529 plan really a penalty?
Replies: 30
Views: 2097

Re: Lawyer recommends trust

Just to confirm I am not a flagship client-- I have the option posted by flyingbison (Appa?)-- and if you proceed with that option it gives you a further option to specify what section of your will created the trust and I think the name of the trust.
by Iorek
Tue May 13, 2014 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer recommends trust
Replies: 81
Views: 5195

Re: Lawyer recommends trust

Yes, you can designate an existing trust as beneficiary with Vanguard. But a testamentary trust (created by your will at time of death) is not an existing trust. It doesn't exist until you die. To designate a testamentary trust as beneficiary you have to create a customized beneficiary designation ...
by Iorek
Tue May 13, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer recommends trust
Replies: 81
Views: 5195

Re: Telephone sales illegal?

I am getting a recorded sales message from a company named Alpha Omega Carpet cleaning. It thought this was illegal? I registered years ago with some government agency as an opt out for telephone sales. Is there anyone I should complain to? I think "do not call" registrations expire after...
by Iorek
Tue May 13, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: Telephone sales illegal?
Replies: 20
Views: 1388

Re: Lawyer recommends trust

Perhaps this was true in the past, but I set a testamentary trust to be contingent beneficiary for a Vanguard IRA within the last year or so. Be sure to check how your beneficiary designations are actually set up with Vanguard. I thought I had "set up" a testamentary trust as contingent w...
by Iorek
Tue May 13, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer recommends trust
Replies: 81
Views: 5195

Re: Telephone sales illegal?

You certainly can complain to the FTC-- they have an online form you can fill out. Chances are nothing will happen however.
by Iorek
Tue May 13, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Telephone sales illegal?
Replies: 20
Views: 1388

Re: Allianz Travel Insurance Question

I expect the BH answer is not to buy it, but I will say that I sometimes purchase travel insurance, depending on how much money is at risk, the chance of having to cancel (e.g. due to hurricanes), etc. For an expensive trip where I've prepaid all my expenses and won't get any back at all if I have t...
by Iorek
Tue May 13, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Allianz Travel Insurance Question
Replies: 8
Views: 523

Re: Lawyer recommends trust

The guardian is appointed until the legal age of majority in your state of residence. You can also designate a trustee of the assets that is either the same guardian or someone different to continue to administer the trust assets in the manner you designate until at such time, the role of trustee m...
by Iorek
Mon May 12, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer recommends trust
Replies: 81
Views: 5195
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