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Re: Minimizing income taxes in retirement

Here you go: Donor advised fund

We also have an entire series on retirement spending, but it might be a bit overwhelming to tackle all at once: Retirement spending

(For a "start slow" approach, take your time and go here first: Getting started)
by LadyGeek
Tue Mar 31, 2015 9:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Minimizing income taxes in retirement
Replies: 37
Views: 2531

Re: My car is (supposedly) totaled. What to do?

I don't understand why you would have to get a salvage title. The car is considered "totaled" by the insurance company only because it would cost them more to fix it than it is worth. This would seem to be between you and the insurance company. If you decide to fix it anyway, it is still ...
by LadyGeek
Tue Mar 31, 2015 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: My car is (supposedly) totaled. What to do?
Replies: 22
Views: 1558

Re: Minimizing income taxes in retirement

Long time lurker, first post. Not sure where this belongs exactly, it's about Investing, but more about Personal Finance, so please pardon me if I posted it in the wrong place... Any advice on lowering taxes or on our current course? Does it make sense to convert taxable retirement accounts now and...
by LadyGeek
Tue Mar 31, 2015 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Minimizing income taxes in retirement
Replies: 37
Views: 2531

Re: Implications of the "Cadillac" tax of the ACA

...Madbrain, I was about to answer your questions (my plan is good, not fantastic. Very large network, but definitely copays and deductibles and co-insurance) but I decided to recheck my numbers again and yeah, they were not correct. I was getting my numbers from my W2 and was adding the premiums I...
by LadyGeek
Tue Mar 31, 2015 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implications of the "Cadillac" tax of the ACA
Replies: 29
Views: 2769

Re: Implications of the "Cadillac" tax of the ACA

Please stay on-topic, which is the OP's request for assistance with employer plan costs.
by LadyGeek
Tue Mar 31, 2015 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implications of the "Cadillac" tax of the ACA
Replies: 29
Views: 2769

Re: My car is (supposedly) totaled. What to do?

Ask your insurance company about salvage title coverage. I'm betting that they won't cover comprehensive: Can you insure a car that has a salvage title? If you keep the car, fix everything that the "experienced" mechanics wanted to do. They're the experts. I'd take the money and start shop...
by LadyGeek
Tue Mar 31, 2015 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: My car is (supposedly) totaled. What to do?
Replies: 22
Views: 1558

Re: Pull-ups and Push-ups

It's the end of the first quarter, status reports are now due.

I've been keeping up with my elliptical trainer and pull-ups, but have probably slipped a bit on the push-ups. I need to get back on-track.
by LadyGeek
Tue Mar 31, 2015 7:03 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 373
Views: 54315

Re: Bogleheads 2015 Hedge Fund Contest

It's the end of the first quarter. I'm running at a slight loss near the middle of the pack: Bogleheads 2015 Hedge Fund Contest :: Fund List Here's the standings: ⋅ Baysian Stochastic Fund from Fortuitous Financial (Randolph) ⋅ Pocket Liner (Cayman) ⋅ Consternatio Partn...
by LadyGeek
Tue Mar 31, 2015 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 140
Views: 13421

Re: BOGLEHEAD CONTEST -- 2015 First Quarter Report

^^^ They are, but this is an investment forum. If public companies can have quarterly reports, so can we.

I'm at 182 of 552 - which is probably the highest I'll see this year.
by LadyGeek
Tue Mar 31, 2015 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- 2015 First Quarter Report
Replies: 9
Views: 810

Re: . [Topic title removed]

Unfortunately, the OP has decided to remove the post content.

FuyuKei - If there's anything I can do to help, feel free to PM me.

(Topic locked.)
by LadyGeek
Tue Mar 31, 2015 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Business loans, bad credit
Replies: 4
Views: 685

Re: Implications of the "Cadillac" tax of the ACA

I removed a few off-topic comments. As a reminder, see: Forum Policy UNACCEPTABLE TOPICS Politics and Religion In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited. The only exceptions to this rule are: ⋅ Common r...
by LadyGeek
Tue Mar 31, 2015 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implications of the "Cadillac" tax of the ACA
Replies: 29
Views: 2769

Re: "The Final Say on Spending Rules" - L. Siegel

I merged Browser's thread into here. The forum software sorts by time, Derek Tinnin was the first to post.

FYI - You can get our attention quicker by reporting the post (the "!" in the top-right corner). One of the reasons is "Duplicate Thread."
by LadyGeek
Tue Mar 31, 2015 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: "The Final Say on Spending Rules" - L. Siegel
Replies: 12
Views: 1466

Re: Child's prenup

This thread has run its course and is locked (topic exhausted, no added value to continue). Several suggestions have been made, including a link to a relevant thread: Does My Daughter Need A Prenup? (also locked) See: Forum Policy Locked Topics Moderators or site admins may lock a topic (set it so ...
by LadyGeek
Tue Mar 31, 2015 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child's prenup
Replies: 19
Views: 2309

Re: Bernanke's Blog: why are interest rates so low?

Bernanke gave a class on the role of the Fed that I found to be a very clear explanation of what a Central Bank's role is. The class is available for free on iTunes U: https://itunes.apple.com/us/itunes-u/reflections-on-federal-reserve/id511289475?mt=10 Even better, get the series directly from the...
by LadyGeek
Tue Mar 31, 2015 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Bernanke's Blog: why are interest rates so low?
Replies: 26
Views: 2888

Re: BOGLEHEADS 13 VIDEOS

Thanks, Rich. The wiki has been updated: Bogleheads® Conferences (Bogleheads® 13 - Philadelphia)

(Another wiki editor made the entry. I'm just the messenger.)
by LadyGeek
Tue Mar 31, 2015 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 13 VIDEOS
Replies: 11
Views: 2759

Re: Detroit: up-and-coming technology city

This thread has run its course and is locked (not personal nor actionable). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT - It must be personal . In other words, you must be asking about ...
by LadyGeek
Mon Mar 30, 2015 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Detroit: up-and-coming technology city
Replies: 18
Views: 1223

Re: Childs prenup

QQQQ - Consult with an estate planning attorney, as you should be able to direct your money to anyone you wish and exclude others. There is no automatic sharing of asset transfers, but it may depend on the state and I could very well be wrong.
by LadyGeek
Mon Mar 30, 2015 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child's prenup
Replies: 19
Views: 2309

Re: Bond Interest - No Where to Go But Up?

Thread locked for moderator review.
by LadyGeek
Mon Mar 30, 2015 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Interest - No Where to Go But Up?
Replies: 8
Views: 1088

Re: Bernanke's Blog: why are interest rates so low?

FYI - I merged bobcat2's thread into here.
by LadyGeek
Mon Mar 30, 2015 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Bernanke's Blog: why are interest rates so low?
Replies: 26
Views: 2888

Re: When will / did you claim Social Security benefits?

betterinvestor2012 - I merged your thread into here, which is the same topic with an existing poll. To avoid confusion, I moved your thread into here. Unfortunately, poll results get deleted when the posts are moved. There were 15 responses (compared to 292 currently showing). Sorry, but could the 1...
by LadyGeek
Mon Mar 30, 2015 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 147
Views: 10588

Re: Best Way to Visualize Compounding

I show my twenty-something students this video: https://www.youtube.com/watch?v=_TEDPot_mG8 That's a good one. It's Rule #2 in the wiki: Video:Bogleheads® investment philosophy It wouldn't hurt to watch the rest of the videos, starting with the one in the opening paragraph: Video: Start with a Soun...
by LadyGeek
Mon Mar 30, 2015 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: Best Way to Visualize Compounding
Replies: 40
Views: 3074

Re: Best Way to Visualize Compounding

This thread is now in the Investing - Theory, News & General forum (theory).
by LadyGeek
Sun Mar 29, 2015 9:57 pm
 
Forum: Investing - Theory, News & General
Topic: Best Way to Visualize Compounding
Replies: 40
Views: 3074

Re: Best Way to Visualize Compounding

Yes, it's a difference of perspective. The compound interest formulas show how to get from Point A to Point B, but starting at Point A (now). The lesson here is "What did it take to get to Point B (retirement)"? That requires looking backwards in time. The 2nd chart "Age you start sav...
by LadyGeek
Sun Mar 29, 2015 9:50 pm
 
Forum: Investing - Theory, News & General
Topic: Best Way to Visualize Compounding
Replies: 40
Views: 3074

Re: Best Way to Visualize Compounding

How about showing them this wiki article? Importance of saving early

BTW, you can save any wiki article as a PDF file. Check the bottom left-side menu "Print/export".
by LadyGeek
Sun Mar 29, 2015 9:19 pm
 
Forum: Investing - Theory, News & General
Topic: Best Way to Visualize Compounding
Replies: 40
Views: 3074

Re: Interesting investment Podcasts

We have a list in the wiki: Podcasts
by LadyGeek
Sun Mar 29, 2015 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting investment Podcasts
Replies: 6
Views: 677

Re: Reverse mutual fund lookup?

This thread is now in the Investing - Theory, News & General forum (general investing, mutual fund component holdings).
by LadyGeek
Sun Mar 29, 2015 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: [finding which mutual funds invest in a given stock]
Replies: 9
Views: 630

Re: Why do I need a CFP?

The wiki can help you decide: Financial planner ("Do I need a financial planner?")
by LadyGeek
Sun Mar 29, 2015 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do I need a CFP?
Replies: 3
Views: 608

Re: umbrella vs. asset protection

This thread is now in the Personal Finance (Not Investing) forum (legal).

The wiki has some background info: Asset protection

I'm also not sure of what's being asked here.
by LadyGeek
Sun Mar 29, 2015 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: umbrella vs. asset protection
Replies: 6
Views: 696

Re: How do you invest to give back?

This wiki article seems relevant: Donating appreciated securities

You can also donate via your IRA. See this IRS website: Charitable Donations from IRAs
by LadyGeek
Sun Mar 29, 2015 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: How to invest to give back?
Replies: 30
Views: 1748

Re: How do you invest to give back?

This thread is now in the Investing - Theory, News & General forum (investing strategy).

The wiki has some background info: Donor advised fund, also see the links in the right sidebar.

(The wiki is supplemental to the advice provided in this thread.)
by LadyGeek
Sun Mar 29, 2015 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: How to invest to give back?
Replies: 30
Views: 1748

Re: Mr. Money Mustache

Upon further review, this thread will remain locked.
by LadyGeek
Sun Mar 29, 2015 11:24 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache
Replies: 4
Views: 1345

Re: Hate where we live, do we make major changes?

This thread is now in the Personal Consumer Issues forum (lifestyle, where to live). I don't want our precious BH forum to turn into a self-help center, but my post does have clear financial implications. Thanks again. I'd love to hear more. No worries, where to live (moving) is on-topic here. Feel ...
by LadyGeek
Sun Mar 29, 2015 11:06 am
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 93
Views: 6576

Re: Mr. Money Mustache

Here's a 10 page thread: Mr. Money Mustache: Hero or Foolish? (Locked Mar 14, 2015)

Thread locked for moderator review.
by LadyGeek
Sun Mar 29, 2015 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache
Replies: 4
Views: 1345

Re: Should I accept this Job Offer ?

Look at the reasons you want to leave: ...The reason I threw my hat into the mix and interviewed for the role was two fold. To propel my career through the opportunity to have more of a direct impact on a smaller company, and secondly to be paid closer to what I would define as "market". A...
by LadyGeek
Sun Mar 29, 2015 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I accept this Job Offer ?
Replies: 22
Views: 1935

Re: New CNBC item on 401(k) fees

This thread is now in the Personal Finance (Not Investing) forum (401(k)). On CNBC? That's what threw me. Somebody is actually paying attention. Now, let's check their sources: Garrett is linking to: Understanding Retirement Plan Fees And Expenses , from the Department of Labor. This is a good artic...
by LadyGeek
Sat Mar 28, 2015 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: New CNBC item on 401(k) fees
Replies: 3
Views: 967

Re: Sued and won for drycleaner losing suit, suit now found.

Please stay on-topic. I wouldn't want to see this thread unraveled.
by LadyGeek
Sat Mar 28, 2015 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7692

Re: Vanguard Web Site [How do I research funds by category?]

In the Personal Investors site, such as: Vanguard, "Personal Investors" is in all caps at the top-left menu, which is black. It's a drop-down navigation menu, select "Financial advisors".
by LadyGeek
Sat Mar 28, 2015 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Web Site [How do I research funds by category?]
Replies: 11
Views: 824

Re: Vanguard Web Site [How do I research funds by category?]

It should stay buried, as that site doesn't work on Firefox. Here's your link, which is to the Personal Investor website: Vanguard mutual funds - It just doesn't work in Firefox (Win 7), I get zero results on anything I select. Chrome and Internet Explorer work. - The fund performance can only be ac...
by LadyGeek
Sat Mar 28, 2015 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Web Site [How do I research funds by category?]
Replies: 11
Views: 824

Re: Vanguard Web Site [How do I research funds by category?]

This thread is now in the Investing - Theory, News & General forum (how to research Vanguard funds). I also retitled the thread.
by LadyGeek
Sat Mar 28, 2015 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Web Site [How do I research funds by category?]
Replies: 11
Views: 824

Re: Question about saving for retirement when a postdoc

The wiki has some background info: Tax gain harvesting . However, this may be a bit imposing for new investors. To assist with answering livesoft's request, I recommend you post your portfolio (or at least what you have so far) in this format: Asking Portfolio Questions Although you don't have anyth...
by LadyGeek
Sat Mar 28, 2015 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about saving for retirement when a postdoc
Replies: 9
Views: 792

Re: Rick Ferri's 30 year market forecast 2015

Rick Ferri has given permission to reproduce the table in the wiki. The wiki has been updated: Historical and expected returns I made one administrative change: The International Equity asset class description of "Developed countries small company" was changed to "Developed countries ...
by LadyGeek
Sat Mar 28, 2015 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri's 30 year market forecast 2015
Replies: 120
Views: 10700

Re: Guyton-Klinger Withdrawal Decison Rules

To further reduce the eye strain, I played some tricks with the formatting on siamond's earlier posts. The charts are now clickable links, meaning that you can click on the images to see them full size. To see how it's done, quote the post and look at the BBCode (the tags used for formatting posts)....
by LadyGeek
Sat Mar 28, 2015 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guyton-Klinger Withdrawal Decison Rules
Replies: 126
Views: 8845

Re: Guyton-Klinger Withdrawal Decison Rules

plenty of interesting numbers if you squint hard enough... ^^^ Instead of squinting, here are the direct links to the images: The various parameters of all scenarios tried in this experiment: SCNs Parameters.jpg (JPEG Image, 1200 × 272 pixels) The corresponding detailed stats, aggregated across a b...
by LadyGeek
Sat Mar 28, 2015 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guyton-Klinger Withdrawal Decison Rules
Replies: 126
Views: 8845

Re: What Book Are You Currently Reading? Part VI

^^^ Sorry, I should have explained. It was a street language term that was above the "family friendly" threshold used for this forum. You now have 2 options, which is a choice of marginal utility : (1) buy the book, or (2) PM me and I'll give you the original text for free. (Please keep th...
by LadyGeek
Sat Mar 28, 2015 9:46 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 579
Views: 80198

Re: Vanguard's Week In Review

I found a very nice summary of the past week and schedule of reports for next week at MFS's web site: https://www.mfs.com/wps/portal/mfs/us-investor/market-outlooks/market-commentary/week-in-review?clearPortletSession=true Provides more items than Vanguard's normal report - mostly facts with very l...
by LadyGeek
Sat Mar 28, 2015 8:20 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2079

Re: Mom seeking financial help - what to do?

I removed a response to what may have been misinterpreted as rude comment. A 3rd member then stepped in to challenge the response. Before things get further out of hand, I removed the entire exchange. As a reminder, see: Forum Policy We expect this forum to be a place where people can feel comforta...
by LadyGeek
Fri Mar 27, 2015 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mom seeking financial help - what to do?
Replies: 62
Views: 4470

Re: Rick Ferri's 30 year market forecast 2015

That [2014] column heading was "Real Return" which presumably is what this year's "BEFORE INFLATION RETURNS" is now supposed to mean, but yes, it's an odd way to word it. I changed the first column to "Before Inflation Returns" from "Real Returns" because mos...
by LadyGeek
Fri Mar 27, 2015 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri's 30 year market forecast 2015
Replies: 120
Views: 10700

Re: Vanguard's Week In Review

You might have better success with feedback on the "Comment" link or any of the social media connections listed at the bottom of the page.
by LadyGeek
Fri Mar 27, 2015 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2079
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