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Re: Help with Mom's portfolio

You didn't post the ticker symbols for Vanguard Institutional Index Fund (.04%) Vanguard Mid-Cap Index fund (.08%) Vanguard Small-Cap Growth Index Fund (.08%) Vanguard Small-Cap Value Index Fund (.08%) but some combination of them will duplicate the Total Stock Market Index Those in combination wit...
by Minot
Sat Nov 22, 2014 12:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's portfolio
Replies: 19
Views: 1544

Re: Sanity check please

Have you read the Wiki on tax-adjusted asset allocation?
by Minot
Wed Nov 19, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sanity check please
Replies: 3
Views: 489

Re: That stress-relieving thing you do at work

JupiterJones wrote:Mindfulness Meditation.

^This.
I've found this websitefrom UCLA's Mindful Awareness Research Center very useful.
by Minot
Thu Oct 30, 2014 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: That stress-relieving thing you do at work
Replies: 45
Views: 2877

Re: Need dispensation to pay ROTH conversion taxes from tIRA

One reason for paying the taxes out of pocket is that it effectively lets you put more of your money into a tax-advantaged retirement plan than you'd otherwise have. But unless you have such a huge amount in your tax-deferred retirement plans that you'll be forced into a higher tax bracket when the...
by Minot
Tue Oct 14, 2014 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 823

Re: Retiring early, but where dump 401k for yearly withdrawa

Do you have a degree? If you get bored (after hanging out at the beach all day). You can get a part time job teaching English in the evening. It will be only a few hours but you will meet good people while making some money. You get pay more if you have a bachelor degree. Yes, I have a Master's deg...
by Minot
Wed Oct 08, 2014 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring early, but where dump 401k for yearly withdrawal?
Replies: 32
Views: 3384

Re: Roth conundrum

At this point, it is not a big deal for me because I currently plan to have the assets invested identically. But I do hope to roll the Roth proceeds (only) out of the 403b into a Roth IRA prior to turning 70 1/2, so I don't have RMDs on the Roth balance. I hope that will be possible. Another possib...
by Minot
Sun Oct 05, 2014 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth conundrum
Replies: 13
Views: 1675

Re: Critically Acclaimed Movies you did not like

Blue Jasmine
The Descendants
by Minot
Sat Oct 04, 2014 7:29 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 9754

Re: GF leaving advisor, help needed

2. Will VG rollover the two existing IRAs into 1 IRA?? What fees are involved in this transaction?? The new IRA would be valued at $240K. I think so, but you have to be very careful with transferring when things are more complicated. You might also find out if present 401k will accept old 401ks. Th...
by Minot
Sat Oct 04, 2014 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: GF leaving advisor, help needed
Replies: 22
Views: 2624

Re: Is my husband a spendthrift? Or I a tightwad?

You might want to check out this Freakonmics podcast regarding teaching kids a foreign language. They basically think it's a waste of time and money. How often do you and your husband use that skill? http://freakonomics.com/2014/03/06/is-learning-a-foreign-language-really-worth-it-a-new-freakonomic...
by Minot
Sat Oct 04, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 16568

Re: See both financial advisor and elder law lawyer for Mom?

I don't think I would feel good about ending up with the money my Mom gifted me or tucked away in a trust for me to inherit if it meant she spent the last few years of her life in a Medicaid facility. I really would prefer that she use that money to make those years better for herself.
by Minot
Mon Sep 29, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: See both financial advisor and elder law lawyer for Mom?
Replies: 45
Views: 2576

Re: Those under 35 with a child 5 or under: Costs of child?

Tyrobi wrote:
Anyway, the costs of children vary for each family. In our case, we sacrifice 6% of our annual income for the kids.

I assume this does not include the current loss of income for your SAHM wife, nor the possible (probable?) reduction in her future earning power due to time out of the market.
by Minot
Sun Sep 28, 2014 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 58
Views: 4581

Re: Sale of a home between boyfriend and girlfriend.

Just a quick update. First off thank you for all the responses, it has really helped her decide what to do. She listed the house today with a realtor for $360,000.00 and they paid $240,000.00 two years ago. I told her to make sure this listing price is in line with comp's in the area, so that he do...
by Minot
Tue Sep 23, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5878

Re: How to arrange 1 or 2-month rentals?

Airbnb also has quite a few monthly rentals, such as this three bedroom house in the Vancouver area for $1400/month.
by Minot
Sat Sep 20, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: How to arrange 1 or 2-month rentals?
Replies: 2
Views: 435

Re: Allocation plan that hedges for potential large inherite

I would move forward as though there is no inheritance. Because you don't know if there will be. My father's aunt was quite wealthy, widowed, and childless. She had my father and a handful of other nieces/nephews she was close to. My father never counted on getting anything but his aunt had told hi...
by Minot
Tue Sep 16, 2014 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allocation plan that hedges for potential large inheritence
Replies: 7
Views: 582

Re: Rental property with in-laws: please help!

OK, OP, you have lots to digest from the above posts. I will add a few more. 1. You stated above you and wife have NOT taken depreciation. a. If this is true, that is colossally unfortunate, because even if you have not taken it, the IRS will make you pay recapture tax at 25% on the depreciation yo...
by Minot
Mon Sep 15, 2014 10:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property with in-laws: please help!
Replies: 128
Views: 8154

Re: Rental property with in-laws: please help!

...I'm assuming their property management company that they own is deducting other items such as the cost of management and depreciation. Maybe they are using it to claim a loss, I don't know. You also assumed that the HELOC was used to fund the in-laws business, when in fact it was used to fund th...
by Minot
Mon Sep 15, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property with in-laws: please help!
Replies: 128
Views: 8154

Re: Inherited 403b - lump sum?

If she has sufficient taxable assets to pay her bills, why would you want to take the tax hit now? OP said: We are considering the lump sum distribution option on the 403b. Any income to declare as a result of the distribution would be offset by the large healthcare deductions. So we believe no tax...
by Minot
Sun Sep 14, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited 403b - lump sum?
Replies: 16
Views: 695

Re: Great deal for new Costco members

FullYellowJacket wrote:DW really loves her toilet paper; she uses a couple rolls a week! :oops:

Why are you slapping yourself?
by Minot
Fri Sep 12, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Great deal for new Costco members
Replies: 18
Views: 3037

Re: First post, Investment Questions

... I can be a little more risky right now. Since this money isn't NEEDED, I feel like I can be risky. I got this money from a car accident. I hadn't planned on having this for retirement, so it's a bonus. Now I don't wish to be stupid with it, but I feel that because I got it without necessarily h...
by Minot
Wed Sep 10, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: First post, Investment Questions
Replies: 31
Views: 1261

Re: Help! Need to Calculate Money Owed To Me

Thanks Neurosphere, I will come back and report how it all ends. My friend is a professor and is very absent-minded about things that most people could never forget. So it really is plausible that he really did forget about it. (I'm a professor too and even more absent-minded than he is. That's why...
by Minot
Fri Sep 05, 2014 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help! Need to Calculate Money Owed To Me
Replies: 32
Views: 2427

Re: Need good bank for 84y.o. ma who doesn't want online ban

My Credit Union statement is quite clear and easy to understand, as is my CitiBank one. Both are free.
by Minot
Wed Sep 03, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need good bank for 84y.o. ma who doesn't want online banking
Replies: 16
Views: 994

Re: Hello new to the boards [If retirement funds not used up

Are you by any chance quite young? Don't forget those numbers you have calculated probably do no account for inflation. Or the possibility that for unforseen reasons you will not be able to continue saving as much, or that you might want to retire early, or that you might have a special needs child...
by Minot
Mon Sep 01, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hello new to the boards [If retirement funds not used up?]
Replies: 24
Views: 1848

Re: Where to withdraw?

What account(s) does she think/feel should be drawn on?
by Minot
Mon Sep 01, 2014 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to withdraw?
Replies: 12
Views: 878

Re: My husband's " WILL", $ left for me to live on....

1.I was working when I got married, stopped working when child turned 2years old to become stay home mom. I think part of reason was child care was costing a lot if I continued working and we thought it was best mother take care of the house hold and child. 2. Good question, he does LOVE me. And I ...
by Minot
Fri Aug 29, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 18166

Re: Help out family without compromising my own retirement?

Although over 65, are either of your parents capable of working, at least part time? And is there someone in your life that you would be able to talk this over with? This is a hard thing to deal with.
by Minot
Fri Aug 29, 2014 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 72
Views: 6151

Re: Signing up for medicare Oct 1

tc101 Have you looked into Kaiser Permanente Advantage Plan? They cover the Atlanta area. https://healthy.kaiserpermanente.org/health/care/poc/!ut/p/a1/fZDBToNAEIafpQeOMEOpDXqDmhqoVWut4l7MQgfYFHfJdCXh7YXGmpioc5uZL9-fGRCQgdCyU5W0ymjZjL2Yvy3T7X0c-xFinM4wWUd3jxdpiog-pCCqxuQn9HXK68W6AtFKW7tKlway1hTjpra...
by Minot
Sat Aug 23, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 3009

Re: Kaiser vs Blue Shield

I believe I have something valuable to add, but it’s possible that some might think this post is too political. I will do my best to be even-handed. I am retired from a thirty-year career as a medical subspecialist, and have worked in a group practice, a university practice and a solo shop. In my l...
by Minot
Wed Aug 20, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 6086

Re: Driving Trip Planning

MS Streets & Trips. You can do a 14day free trial and see if it's worth it to you to purchase it. On the Route Planner, click on More Options, then select the Profile tab. It will let you input your start and end times for each day, plus length and frequency of stops in between.
by Minot
Wed Aug 20, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 46
Views: 2255

Re: POLL: Age for Collecting Social Security Benefits

62 in 1999. Had I know then what Bogleheads have taught me in the last couple of years, I probably would have waited until 65 (FRA back then).
by Minot
Tue Aug 19, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 8002

Re: Who or what inspired you and your investing approach?

Inheriting a significant amount of $$
by Minot
Sun Aug 10, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4731

Re: Recently Engaged

A good starting place would be the Bogleheads Wiki on financial planning.
by Minot
Wed Aug 06, 2014 8:59 am
 
Forum: Personal Consumer Issues
Topic: Recently Engaged
Replies: 10
Views: 964

Re: Medicaid look-back

According to the National Care Planning Council There is both an income and an asset test to qualify for Medicaid long term care services. In general, these tests are applied for nursing home services but these same tests may also be used to qualify individuals for home or community-based Medicaid s...
by Minot
Thu Jul 31, 2014 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicaid look-back
Replies: 9
Views: 1073

Re: america the beautiful national parks and lands pass

pablolo wrote:How about waterfalls, swimming spots and hotsprings and minral springs?
Your America the Beautiful Senior Pass won't get you anything at the resort, but the campground will be 1/2 price, and the natural hotsprings are free.
by Minot
Mon Jul 28, 2014 7:30 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 6069

Re: What shoe size should I buy?

rec7 wrote:My foot is a size 10 but a size 10 shoe feel very tight should I buy 10.5? Do some of you buy a .5 size bigger.
I assume you wear men's shoes. If not, good luck finding women's 10.5.
by Minot
Sun Jul 27, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: What shoe size should I buy?
Replies: 10
Views: 774

Re: "Stocks and shares," different things? "Peter Pan"

Originally published in 1895, Duncan on Investment and Speculation in Stocks and Shares seems to address your question on page 58. I say "seems to" since I can't say that I'm actually able to follow what he's saying; you're probably more likely to understand it.
by Minot
Mon Jul 14, 2014 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 40
Views: 3705

Re: Cost of car compared to Gross Income

My last vehicle purchase was a 2002 Sportsmobile Camper Van for $45627 plus tax, licence. My gross income for that year was $25372, so I paid 180% of GI, and I have no regrets. The income was SS, a small pension, and dividends from my investments. The camper van was actually purchased with about 3/5...
by Minot
Fri Jun 20, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4870

Re: It is time to retire when you .......

I understand those who say "when I can't take the job anymore" because chances are we've all had jobs like that, but I don't understand how someone can do that if they haven't hit their number. Most likely they do it by reducing their retirement income requirements, i.e., deciding that it...
by Minot
Fri Jun 20, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 10279

Re: Car for a long daily commute

I trust that you will be taking on a significantly greater share of the child-care and homemaking responsibilities.

Also, what is plan B if she finds that the commute is so onerous that she's not willing to stick it out for another month, much less 12 to 15 months.
by Minot
Wed Jun 11, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 6579

Re: Cabins/cottages in Wisc/Minn/Ont

Here's one. I found it by forcing one of the many real estate sites to give me low priced listings. If you don't do that, it defaults to highest prices.
by Minot
Sun Jun 08, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: Cabins/cottages in Wisc/Minn/Ont
Replies: 22
Views: 1643

Re: 4% (or 2-3%) rule; before or after tax?

Withdrawal rates are typically considered before tax, because of the various ways that different accounts can be taxed upon withdrawal (as income from a traditional IRA, as capital gains from a taxable account, not at all from a Roth-style account). The "safe withdrawal rate" gives you an...
by Minot
Sat Jun 07, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 4% (or 2-3%) rule; before or after tax?
Replies: 8
Views: 1250

Re: The in-laws are broke!

I am surprised you did not mention your father-in-law's dementia in your first post. I think that changes everything. Even if your mother-in-law does not have mental issues, living with someone with dementia can make you question your own sanity. I don't know if your wife is close to her mother to ...
by Minot
Tue May 27, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16621

Re: The in-laws are broke!

Do/will the brothers recognize the value of her (and your) contributions to the parents' welfare? What effect might your wife's refusal to contribute money to the parents' care have on her relationships with her brothers? Are those relationships important to her?
by Minot
Sun May 25, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16621

Re: How exactly does Vanguard's RMD service work? Rebalancin

I have wondered if you can have withdrawal of RMD as a "fail-safe" way just in case you miss your planned distribution. So if you forget, or get sick,or die, they would distribute any amount left of the required amount but none if you have already done it before, eg., December 28th. I onl...
by Minot
Sat May 10, 2014 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3849

Re: Expensive hobbies and possessions? (B/c you can...)

http://i58.tinypic.com/s1izjb.jpg My 2002 Sportsmobile camper-van, which I bought with about 1/2 of an unplanned for inheritance, and in which I spent most of 2005, after I sold my home, traveling in western US and Canada. $$ well spent. :thumbsup ... but what is that addition on the top? Is that a...
by Minot
Tue Apr 08, 2014 8:39 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 16318

Re: Expensive hobbies and possessions? (B/c you can...)

Image

My 2002 Sportsmobile camper-van, which I bought with about 1/2 of an unplanned for inheritance, and in which I spent most of 2005, after I sold my home, traveling in western US and Canada. $$ well spent.
by Minot
Tue Apr 08, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 16318

Re: Donor Advised Funds

An interesting feature of the Fidelity program is that it allows me to send email gifts to friends and family, in which they are given the ability to donate a specified amount from my account to the charity of their choice. Could you explain this further. I have a Fidelity DAF and never heard of th...
by Minot
Tue Mar 25, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 62
Views: 3007

Re: Jim Otar Revisited 'Unveiling the Retirement Myth'

The book was well worth the money. Thanks for the update. +1 The complete book (all 535 pages) is $5.99 "Green" download, read-only pdf, available from Otar's website http://www.retirementoptimizer.com/ Paperback edition $49.99 from Amazon http://www.amazon.com/Unveiling-Retirement-Myth-J...
by Minot
Thu Feb 27, 2014 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Jim Otar Revisited 'Unveiling the Retirement Myth'
Replies: 12
Views: 5545

Re: Tax report related question ( prepare it by my own or no

Yes, I had some taxes being withheld ( i think about 3000 or a bit more including both state and federal...) so I should be filing them to get some money back right? Absolutely. Withheld taxes are money that was deducted from your salary and given to the IRS and state to pay your taxes, so that the...
by Minot
Sat Feb 22, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax report related question ( prepare it by my own or not)
Replies: 16
Views: 696

Re: How to invest $1.4 mil inheritance?

Donate some to charity?
by Minot
Sun Feb 16, 2014 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 mil inheritance?
Replies: 74
Views: 8034
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