Bogleheads.org

prh116 wrote: Petroleum is the way to go nowadays.

And 20 years from now?

dickenjb wrote:Looks like you are focused on past returns.

Like driving by looking in the rear view mirror.

It also looks like you are trying to beat the market. Good luck with that. The evidence is that, over time, very few succeed; almost all end up with less, many with a lot less.

bertie wooster wrote:As said above, I think it may be helpful for you and your husband to see a counselor. This is going to fester and be an ongoing problem, but a neutral party can help both of you discuss this and reach some kind of agreement.

+1

Passwords longer than 10 places, that distinguish between upper and lower case.

Stonebr wrote:

Swampy wrote:. The oldest American recently died in South Carolina at age 114. The previous oldest American died at 115 in Iowa.

????

I'm willing to take a LOT of risk with my investments, as long as it is rewarded with potential return. I figured since I am young and willing to take risks, that I might as well take a lot higher risk if it will be rewarded . The italics in the above quotes are mine. I invite you to consider this:...

Minot, You are asking this for yourself, right? To guarantee that you won't do something foolish in your senior years as your father did? As I see it, you would have to relinquish control to someone you trust to guarantee it. If you are willing to have your investment decisions reviewed by someone ...

There's a good thread on this. I'll edit it in when I find it. (Done) Investing with diminished memory Dementia poses threat to aging boomers' portfolios How do you talk to elderly parents about their finances? Linenfort, thank you for locating these informative threads. I should have searched myse...

My father did a good job of saving and investing through most of his life. His broker was impressed not only with how well he did, but how intelligently he did it. In his mid-eighties, however, my father lost half his net worth when a slick salesman talked him into an investment that he would not ha...

1. If there's a pretty good chance that you and your wife will be using the money in her taxable account to purchase a home in the next 3-5 years, I'd suggest that you not include the money in that account as part of your AA. I'd also suggest that you start getting it out of equities and into short-...

You have chosen to leave your money to your children, rather than give some of it to your sister. Even if one of your children were not disabled, this would not be a surprising choice. Your single brother presumably has no children, and is choosing to leave money to his sister. Also not a surprising...

grap0013 wrote:

eaglesfogbowl wrote:Sorry for the long post, but we are SO blessed.

+1 My favorite post in this thread! You should be proud of yourselves!

+2

JohnJohn wrote:It also seems odd that at age 72, the Soc. Sec. jumped from 38,000 to 67,000.


That's when your 2-years-younger wife's delayed Soc. Sec. starts paying. You've probably already figured that out.
Minot

Previous threads on this topic: http://www.bogleheads.org/forum/viewtopic.php?t=48658 http://www.bogleheads.org/forum/viewtopic.php?t=4604 http://www.bogleheads.org/forum/viewtopic.php?t=85311&mrr=1320480657 http://www.bogleheads.org/forum/viewtopic.php?t=79751 http://www.bogleheads.org/forum/vi...

They did (inheritance), and I did (retire earlier).

My tax-deferred accounts are bond funds only (TIPS and Total Bond), since about half of my portfolio is taxable. I'm considering converting enough of the Total Bond to one of the Short-term funds to cover two or three years of RMDs, assuming that rates will go up and NAVs will go down sometime befor...

nisiprius wrote:The fan costs THAT much?
Perhaps it is very good.
But is it THAT good?

Newby on deck!! Retired 34 DAYS ago and am enjoying living on _my_ schedule. Want to do some serious Boglehead reading, then have many questions. I thought we were set up pretty good until I started exchanging ideas with a friend.....now, things aren't as clear to me. Welcome aboard, Av8. If you're...

Ledgesitter Let's imagine that you follow the recommendation and put your bonds in tax deferred. 8 years from now you are a year out from retirement and have $500K in equities in your taxable account. No doubt some will have capital gains in taxable. All your bonds are in tax deferred accounts whic...

Check out Airbnb.com. They have a few listings for the islands [work from the map, upper left corner, rather than the list], and quite a few for Sarasota. I looked at availability for a couple of places, and they showed openings in April. Even if you don't find what you want, they're fun to browse. ...

I was a little surprised that umbrella policies don't cover punitive damages, but when I thought about it, it kind of makes sense. Punitive damages are given in order to punish for wrongful behavior; if you can insure against them, it takes away the court's ability to punish you.

I've noticed that there's a lot more information in the wiki that applies to the accumulation stage than to the withdrawal stage. Some of that because there's been much more study of accumulations issues and strategies, but I'm guessing that a large percent of those of us who have retired already ar...

I use Itsdeductable. The first time you have to type in the information for the charity, but after that you just select it from the drop down menu. The charities we donate to do not vary that much from year to year, so it is very convenient. When you finish with the charitable contributions you jus...

I purchased VTINX nearly a year ago, and it has earned something over $500 so far. The short-term capital gains are pretty inconsequential--only $18. Vanguards Fund Profile for VTINX says today's price/share is $12.33, and the one year historical low is $12.34--so either OP has held his/her shares ...

You need to read IRS Pub. 526 to understand the recordkeeping requirements for charitable contributions. Here is the link http://www.irs.gov/pub/irs-pdf/p526.pdf . Note to HueyLD: OP's question was about reporting, not record keeping. Since Schedule A asks you to report charitable donations as a si...

Usually commuter flights are quite convenient at SFO to Santa Rosa. Only if you're flying before 2001. If OP hadn't already purchased their tickets, they could connect in LAX. Santa Rosa Airport is quite convenient to Healdsburg, but you can't fly there from SFO. There is convenient (and fairly com...

Will the windfall be taxable or [inherited] tax deferred? If tax deferred, RMDs, especially if non-spousal inherited IRA, will likely increased taxes significantly.

The 1972 TV movie "The Glass House," starring Alan Alda in a role miles away from M*A*S*H. The entire movie was powerfully disturbing; it took me days to recover.

Minot

All of that organization, that system, and that machinery. Now go back to the envelope and the sheet of paper. Is he saying that in 1912, Sears Roebuck & Co. had not yet invented the order blank? The 1912 Sears, Roebuck Catalogue can be found at http://archive.org/stream/catalogno12400sear#page...

I do have durable POA but have run into issues with things like gaining online access, opening new lines of credit (for possible transfers). Its seems as though each bank either wants my grandfather to work with me for online access (no way that will happen), will not allow it (not their policy) or...

Why not Wealthfront? Small quote from the NY Times article: A company called Wealthfront, which has also put Mr. Malkiel to work, will do something similar for about 0.25 percent annually. https://www.wealthfront.com/ Wealthfront has Burton Malkiel (he gets around...) as its Chief Investment Office...

The math is obviously pretty simple ($700,000 / 7 kids = $100,000 each). Grandma is going to have to pay capital gains tax on the $700,000. Depending on her basis, and also on how much of the cap.gains tax rate falls over the cliff, this could be a significant amount. Interesting that you say this ...

The minimum income requirement for filing with the IRS is $9500. If your $25,000 investment is distributing anything remotely close to this amount, I want to know what it is!!! In other words, no, you don't need to be filing taxes on whatever your investments are earning. Once your loans start charg...

skyvue wrote: The math is obviously pretty simple ($700,000 / 7 kids = $100,000 each).

Grandma is going to have to pay capital gains tax on the $700,000. Depending on her basis, and also on how much of the cap.gains tax rate falls over the cliff, this could be a significant amount.

SnapShots wrote: ((I think of a troll as being an ugly monster hiding under a bridge who jumps out and scares children when they cross the bridge. ))

Or billy goats.

Clever_Username , you sound like you're starting off very well. Here's what I recommend for your money after normal living expenses: ⋅ First, max your 401k and IRA. (You're already planning to do that.) ⋅ Second, set up an emergency fund with roughly six months expenses. ⋅&...

If you do go, let us know how it was.

Now for the concerns...my wife and I both work 9-5 type jobs (basically zero overtime), I am starting grad school in Sept (2 nights per week), I also work part time as a musician on weekend nights, and we're currently trying to have a baby. I know, right? :shock: Because of how busy our lives are, ...

Mister Whale wrote:I miss you, Munchkin Man. Here's hoping that you're doing well.

+1
Minot

gkaplan wrote:So many misogynists, so little time.

How do I figure the present value of my SS and pension at my current age of 75?

I have a Rollover IRA, a Roth IRA, and an Inherited IRA, all with Vanguard, with different beneficiaries for each. I set up the beneficiaries online.

Minot

EmergDoc addressed your question in his post at http://www.bogleheads.org/forum/viewtopic.php?t=48901 under General Military Issues, Item 1). You might want to take a look at it.

Minot

1483.97

I don't mean to be a jerk, but why do they think that taxpayers should pay for their nursing home expenses when they have savings and assets? It seems to me that there is both a practical and an ethical difference between protecting assets for your heirs (children, charities, etc.) which I, as a ta...

Are you perhaps looking for an adviser -- someone who would give you advice on how to create a portfolio that meets your needs but then it would be up to you to set it up and maintain it -- rather than a manager? In that case, a fee only adviser would make sense; you could even schedule periodic rev...

A quick update and a further question... I have managed to successfully motivate the attorney to close the estate and send out a statement with all the relevant information. I have located and understand the statute that defines his compensation (5% of the first xxx, 4% of the next xxx, etc.). I am...

BenBritt wrote:I have a 40 year old brat. I gave her too much. Big mistake on my part.

Too much what? Stuff? Love? Freedom? Attention? Discipline? Consideration?

Minot

Unfortunately the chance of me actually needing long term care beyond five years is very small. And the chance that I'd allow my children to mortgage their futures if it did (something I can control) is zero. Nick You seem to think that you'll be the same functional person that you are now, rather ...

I think that it does everyone a disservice to consider suicide a realistic option. If I talk to a 50 year old man, as a guess, I would guess that 50% or more say that they would kill themselves. The reality, though, is that very few of them would actually take this route. My dad always said he'd sh...