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Re: Thoughts on Defined Maturity Bond Funds?

I hold two municipal target maturity funds (MTT, 2021 and NID, 2023)I like it because it offers a decent after-tax yield, and I know that it will mature at a certain date, without having to worry about crazy high gyrations with NAV (there will be some as the maturity date nears, but not like a long-...
by MooreBonds
Thu Nov 27, 2014 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on Defined Maturity Bond Funds?
Replies: 12
Views: 1022

Re: My Health care monthly premiums doubled after ACA

My Health care monthly premiums doubled after ACA. Did any of you have that happen to you. I am kind of shocked I thought it would go up but not like that. I just got a letter that my old insurance is letting me go. I think my old plan does not met the ACA standards. It all depends on the state and...
by MooreBonds
Sun Nov 23, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 4128

Re: repositioning cruise to Europe?

Probably the best deal I ever stumbled across in my life. And being frugal :D , my wife says cheap :annoyed , I enjoyed it all the more. So it sounds like not only did you get a repo cruise (which are cheaper to begin with), but you booked a last-minute repo-cruise....which are even cheaper still! :)
by MooreBonds
Sun Nov 23, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: repositioning cruise to Europe?
Replies: 11
Views: 1385

Re: Retire Health Savings Plans

* How does inheritance work with this fund? >> No inheritance at least in my employer plan So am I reading this correctly in that if you pass on with any money in this account, the University/employer then gains control of it, and NOT your heirs? If that's the case, I would be hesitant to put any m...
by MooreBonds
Sat Nov 22, 2014 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retire Health Savings Plans
Replies: 3
Views: 540

Re: Pension buyout offer - Accept or reject

I find it concerning that in threads like these, where BH's are trying to help folks decide on whether or not to take a lump sum or an annuity, that inevitably comparisons are made between an "annuity pay-out rate" and expected returns on investing the lump sum in stocks or bonds. In my w...
by MooreBonds
Sat Nov 22, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer - Accept or reject
Replies: 46
Views: 5439

Re: How should wife counter salary offer within current co.?

Any way to find out what people in comparable positions in the company are making? No, she said that is not possible. Always worth it to try http://www.glassdoor.com It's a website where people can post anonymous reviews and salary ranges on any company. Even some smaller companies might have a pos...
by MooreBonds
Sat Nov 22, 2014 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 5580

Re: Limits on Brokered CD Death Put

What is a "survivor option"? See http://www.bogleheads.org/forum/viewtopic.php?f=1&t=114245 and several other threads referenced therein. Basically, heirs can redeem at par after the owner's death. If the owner doesn't need the principal, it can be smart to buy long-term, high-coupon ...
by MooreBonds
Wed Nov 12, 2014 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Limits on Brokered CD Death Put
Replies: 13
Views: 1062

Re: Limits on Brokered CD Death Put

Thanks, both of you! MooreBonds, I've found the general terms for Goldman Sachs CDs, but not been able to find the "supplement" / prospectus for my specific CDs or the one I'm looking at. Are those conveniently findable? There's not just one website I've found that has all old prospectusi...
by MooreBonds
Tue Nov 11, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Limits on Brokered CD Death Put
Replies: 13
Views: 1062

Re: Limits on Brokered CD Death Put

You are correct - there are limitations on what can be redeemed on a "death put" CD. However, rather than it being an 'issuer question', it's really an 'issue by issue' basis, as different CDs have different interest rate features, term features, etc. So put on a pot of coffee (or pour a t...
by MooreBonds
Tue Nov 11, 2014 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Limits on Brokered CD Death Put
Replies: 13
Views: 1062

Re: Portfolio check - 29/30 yr. old single guy

will have to buy health insurance by the end of next month at at least $100-$150/mo. I was at first going to touch on the health insurance aspect earlier, but left it out...but since you bring it up, keep in mind the magic number is 138% of Federal Poverty Level for your status: http://www.hca.wa.g...
by MooreBonds
Sun Feb 02, 2014 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio check - 29/30 yr. old single guy
Replies: 10
Views: 1362

Re: Prenuptial Agreement

Texas is a community property state which recognizes separate property. If he keeps his pre-marital assets separate, then they will still be his come divorce time. A pre-nup is not needed. While I don't have personal experience with divorce proceedings, from hearing stories from co-workers and a fa...
by MooreBonds
Sun Feb 02, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Prenuptial Agreement
Replies: 34
Views: 3857

Re: What interest rate did you get on your car loan?

I bought a Kia Soul in 2009 when they had their 2010 model lineup (the 2010 model was the first year they were introduced), so they were offering 0.0% financing for 36 month loan. I don't often get people offering me $17,000 for zero interest, so I found it hard to pass them up on it. That, and the ...
by MooreBonds
Sun Feb 02, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: What interest rate did you get on your car loan?
Replies: 71
Views: 4480

Re: 22 multiple rule

I read an article by Jason Zweig in the WSJ today that stated, "To be assured of having enough money to fund a comfortable retirement, you should save a total of 22 times the annual income you want to earn when you retire." First, wondering the Boglehead view of this statement. Also, woul...
by MooreBonds
Sun Feb 02, 2014 4:07 am
 
Forum: Investing - Theory, News & General
Topic: 22 multiple rule
Replies: 42
Views: 4450

Re: Job search advice

Hi The positions I am seeking are typically found via networking. Any members have outside the box ideas to uncover positions or any anecdotes from a recent search? Thanks A person of your salary history sounds like you have had at least some success in your field. While an executive coach could of...
by MooreBonds
Sun Feb 02, 2014 3:21 am
 
Forum: Personal Consumer Issues
Topic: Job search advice
Replies: 5
Views: 662

Re: Portfolio check - 29/30 yr. old single guy

The additional 401(k) contributions (IIRC, $17,500 is the max for my age) I think may be doable but just barely (I make a little less than 23k/yr, plus have to pay $300/mo rent and $126/mo for a bus pass). This is why I have been putting just enough in the 401(k) to get the match but not much more....
by MooreBonds
Sun Feb 02, 2014 3:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio check - 29/30 yr. old single guy
Replies: 10
Views: 1362

Re: What is your definition of "Wealthy?"

I realize that the question seeks to address the "psychological" aspects of whether people feel wealthy, but I also think it makes no common sense, considered objectively in terms of dollars, to assert that a household with access to $300,000 per year is actually less well off, and has fe...
by MooreBonds
Sat Feb 01, 2014 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is your definition of "Financially Wealthy?"
Replies: 110
Views: 10560

Re: Dividend Reinvestment for non-Vanguard ETFs

Yes, VBS will DRIP many ETFs. However, just as with other brokers, not any and every ETF is DRIPable - it depends largely on the liquidity of the ETF, as well as the transfer agent/fund sponsor. If the average daily volume is just a few hundred shares, odds are, it isn't DRIPable. Also, there may be...
by MooreBonds
Sat Feb 01, 2014 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend Reinvestment for non-Vanguard ETFs
Replies: 6
Views: 547

Re: Good financial decision with unexpected consequences?

I started investing in 1993, pooling together my and my siblings' funds. I picked individual stocks, and saw the portfolio oscillate wildly from break-even to losses of 30%, back to break-even, then a 50% loss, back to break-even, then a 30% loss. After making it back to break even for the 3rd time ...
by MooreBonds
Sat Feb 01, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: Good financial decision with unexpected consequences?
Replies: 3
Views: 896

Re: Good free documentaries

While it's not a documentary, "Ray", a movie on Ray Charles' life, was incredibly fascinating to me. I'm sure there may have been a little literary license employed, but as a (at the time) early 30-something guy who didn't really know much about Ray Charles and assumed the 2+ hour movie wo...
by MooreBonds
Sat Feb 01, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Good free documentaries
Replies: 15
Views: 2140

Re: Building a Home on vacant land

They want maximum privacy so will probably clear a limestone path to the center of the tract where they will clear out half an acre to build the house and have a yard area. This sounds like the potential for a "whooops": if you go with a standard floorplan from a local builder, make sure ...
by MooreBonds
Sun Jan 26, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Building a Home on vacant land
Replies: 10
Views: 1049

Re: Mother-In-Law Suite/Apartment

There is also a growing industry in prefabricated elder care modular homes. The most developed company (e.g. a company past the concept stage and on to the manufacturing stage) that I am aware of is http://medcottage.com/ (although I am sure there are other companies doing this out there). These wo...
by MooreBonds
Sun Jan 26, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law Suite/Apartment
Replies: 20
Views: 8226

Re: FINRA Investor Complaint

In 2008 my father inlaw was sold 50K of nontraded REIT. He was told it would have a similar risk as bonds but would pay slightly more interest. It paid interest for a couple of years then it stopped and it is now worth less than half of what he paid for it. I told him it was a very expensive lesson...
by MooreBonds
Sun Jan 26, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: FINRA Investor Complaint
Replies: 7
Views: 715

Re: 401k Question for HCE

Thanks for the replies all. This is brutal. I can seemingly now get very little into tax-advantaged accounts. 5500 with backdoor IRA and 4% with 401k. Seems like this will make growing the nest egg much more challenging. Depending on your compensation and what 4% comes to, and your plan's 401k inve...
by MooreBonds
Sun Jan 26, 2014 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Question for HCE
Replies: 8
Views: 401

Re: Wild World of [Home] Flippers

FWIW, I accepted today. Quite a fair offer, might I add. No counter, hit my number. All cash, no contingencies. Congrats on a quick process....just out of curiosity, since you had several competing offers, did they offer a decent escrow deposit, or just $1,000? A higher deposit/escrow typically ind...
by MooreBonds
Sun Jan 26, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: Wild World of [Home] Flippers
Replies: 16
Views: 3006

Re: High Umbrella Limits - A waste

I'm trying to decide how much personal umbrella insurance someone should buy. I assume that someone would need a commercial umbrella that covered their liability for acts committed during the "course and scope" of their employment. If you're saying a corporation with a $5M umbrella and $5...
by MooreBonds
Sat Jan 25, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Umbrella Limits - A waste
Replies: 77
Views: 7973

Re: High Umbrella Limits - A waste

I only included cases where an individual, not in the course or scope of employment, was named as a defendant. While I agree with your other points of logic and reasoning, I disagree with the above. Most lawyers will pursue the "deepest pockets" theory, and go after anyone and everyone wh...
by MooreBonds
Sat Jan 25, 2014 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Umbrella Limits - A waste
Replies: 77
Views: 7973

Re: Starting a 30 Year TIPS Ladder at Age 25 (Roth IRA)

I'm thinking hard about doing this in my Roth IRA. If I use my full contribution ($5,500) to buy a TIPS contract each year, this ladder would probably never comprise my full bond allocation. So I'd still need some TBM in my 401k; just less than I have now. Does anyone see any issues with this? Does...
by MooreBonds
Sat Jan 25, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting a 30 Year TIPS Ladder at Age 25 (Roth IRA)
Replies: 51
Views: 3501

Re: Young, rich, hopefully not dumb

It's a shame you don't have children yet - I believe (but am not certain) that you have to specifically name heirs in order to set up a GRAT (Grantor Retained Annuity Trust). http://www.bbt.com/bbtdotcom/wealth/retirement-and-planning/trusts-and-estates/grantor-retained-annuity-trust.page While you ...
by MooreBonds
Fri Jan 24, 2014 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young, rich, hopefully not dumb
Replies: 51
Views: 6947

Re: Making $175k/year. What do I do with it all?

Lastly, if you have a home office, a company car to go from home office to business office, any business related travel, etc these are all tax deductible business expenses that you don't get if you are not self employed. Don't overlook this benefit - the IRS gives you 100% legal and reasonable expe...
by MooreBonds
Sat Jan 18, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Making $175k/year. What do I do with it all?
Replies: 39
Views: 6676

Re: Seeking advice with investments and trust

Duckie, thanks for your feedback. Actually, I double checked and you can buy Vanguard Admiral Shares at Schwab. However, your point is taken, and perhaps it makes more sense for me to open a Vanguard Account instead. However, can you only buy Vanguard funds at Vanguard? Perhaps I might eventually w...
by MooreBonds
Sat Jan 11, 2014 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking advice with investments and trust
Replies: 13
Views: 1092

Re: Brokered CD Survivor Option

I didn't know there were prospectuses on the normal bank-issued fixed rate brokered CDs, I got one CUSIP and tried to do some research but found nothing. This was a simple bank CD, 3%, 20 year, brokered CD. I'm worried now about a similar rule, that the death put only applies if you were the origin...
by MooreBonds
Sat Jan 11, 2014 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Brokered CD Survivor Option
Replies: 23
Views: 1612

Re: Brokered CD Survivor Option

I pursued this strategy with my grandmother's portfolio, from roughly 2004-2011 (when she passed on). Some of the CDs were paying very generous rates, and all of the ones I purchased for her account had the death-put/estate feature. I diversified her portfolio, and had up to 25 at the time of her pa...
by MooreBonds
Fri Jan 10, 2014 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brokered CD Survivor Option
Replies: 23
Views: 1612

Re: Marriage and Money

In regards to the restaurant, I don't think she has the expectation of me to support her financially for her culinary dreams. Her first step is starting a catering business so she would have less overhead. Once she develops a following, she wants to open a restaurant. I've asked what the timing is ...
by MooreBonds
Thu Jan 09, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and Money
Replies: 32
Views: 3290

Re: Investing in a food truck

Those are all great points. This guy is trustworthy and, as someone pointed out, the upscale foodtrucks in my area are almost all credit card based. The guy is young (late 20s), grew up in the restauant industry with his parents owning an upscale restaurant as a chef. He has a college degree from a...
by MooreBonds
Mon Jan 06, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing in a food truck
Replies: 24
Views: 2419

Re: Boglehead help in charitable giving

My spouse wants to contribute now and while a DAF is a great way of doing it. I would not have the control over the donation. From your words above, it sounds like you view the DAF as not giving you any 'control' over it once you make the initial contribution...while you legally don't have direct c...
by MooreBonds
Sun Jan 05, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead help in charitable giving
Replies: 23
Views: 1629

Re: Living vs. saving

I just read Millionaire next door, despite some minor "mistakes" I find myself to be a strong PAW. But how much is enough? There has to be a line somewhere between enjoying your current life while saving for your future and I am having a hard time figuring out that line. When is it okay t...
by MooreBonds
Sun Jan 05, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living vs. saving
Replies: 75
Views: 9619

Re: Boglehead help in charitable giving

Donor advised Fund versus Charitable remainder Trust versus setting up a private Foundation; My spouse wants to give 10 % of income to charity yearly now. We have a trust set up which would leave a substantial amount of our estate to charity. We are 58 and 57 and my goal is to live to 100 and I sel...
by MooreBonds
Sun Jan 05, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead help in charitable giving
Replies: 23
Views: 1629

Re: Net Worth Survey, 2014 Edition

Take age 37 for example. 3 responses. Average NW w/ out SS $1.5m. Average NW w/ SS $1.5m. I guess none of those three have ever paid SS taxes? As far as your specific example goes, being one of those "age 37" datapoints (which are now up to 5 respondents), my row of data shows different v...
by MooreBonds
Sun Jan 05, 2014 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 23811

Re: 29yo, $4M Windfall - Need Guidance

Now here’s the weird part…Because of an event in my family’s business (completely separate from my job), I recently received a windfall of investment real estate ($3M+) and mutual funds (~$1M). This is the first time I have ever received a windfall of this kind. The real estate portfolio is free of...
by MooreBonds
Sun Jan 05, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29yo, $4M Windfall - Need Guidance
Replies: 12
Views: 2298

Re: You're creating an affiliated service group

How about adopting a SEP that requires 3 years of PRIOR service. You can still do one for 2013. You already have more than 3 years in. An employee hired in 2014 isn't eligible for a contribution until 2017 at the earliest. +1 Continue to do the SEP, with the requirement that you have to have 3 year...
by MooreBonds
Sun Jan 05, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: SEP-IRA for myself and SIMPLE IRA for my employees
Replies: 6
Views: 459

Re: Buying I bond-Advice

You may still be able to do it. When you send a payment for your taxes for 2013 which are not due until April 2014 just send $5k too much. That overpayment will then become a refund I think. Hopefully others can confirm. Laura Or, to avoid possible confusion on the IRS' end, send in an estimated ta...
by MooreBonds
Sun Jan 05, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying I bond-Advice
Replies: 9
Views: 604

Re: Money Show Orlando Jan 29th?

Then, in 2005, the folks at the Money Show approached me and asked to host our annual Bogleheads Conference as part of their Las Vegas Money Show, and we joined them for our annual reunion. (Can you imagine the Bogleheads in Vegas?) I can imagine the Bogleheads were playing the nickel slots. At lea...
by MooreBonds
Sun Jan 05, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Money Show Orlando Jan 29th?
Replies: 4
Views: 478

Re: College savings for a high-income household

5. Any other observations? 2 things to not forget: 1. EE Bonds - If EE bonds are cashed in to pay for educational expenses (such as college tuition), the interest earned is tax-free. Currently, the EE bonds are guaranteed to double in 20 years, which works out to roughly a 3.5% annual compounded in...
by MooreBonds
Sun Jan 05, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: College savings for a high-income household
Replies: 46
Views: 4930

Re: Investors beware... account security IS important!

Memorizing a 20 character password is not really that difficult. It's easy to have a different one for each account (i use different ones for each financial account) by just changing a few letters. Maybe your bank is Chase. Swap out VG (Vanguard) for CH (Chase). Say you are an IT Software Professio...
by MooreBonds
Sat Jan 04, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Investors beware... account security IS important!
Replies: 89
Views: 8853

Re: Net Worth compared to Earnings History

Perhaps for the 40+ crowd Stanley's PAW formula makes sense, but not for younger savers. Many people see rapid salary increases into their mid-30's though. A 32 year old may be earning double what she was earning at 26. It seems silly to base any formula on the new higher salary she's only been pul...
by MooreBonds
Sat Jan 04, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth compared to Earnings History
Replies: 19
Views: 2911

Re: Investing in a food truck

I still haven't seen any mention of how you exactly are paid. Does he rent the truck from you for a flat monthly payment? Or do you take a cut of the business' gross receipts? Or both? If his ultimate goal is to open a b&m location, that means in 3-5 years he'll possibly not need your truck anym...
by MooreBonds
Sat Jan 04, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing in a food truck
Replies: 24
Views: 2419

Re: EE bond cash-in frustration ...

I didn't try to cash them at my bank for a couple of reasons. First, they're still registered in the name of my deceased father's living trust, of which I am the sole trustee. I need them credited to my SS number, not his, and I was worried that if I cashed them at the bank, this would not get done...
by MooreBonds
Sat Jan 04, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: EE bond cash-in frustration ...
Replies: 9
Views: 1254

Re: Kid's life insurance estate planning

Ok, I will have my head examined, however, short of the 14 K that the IRS allows, I am not aware of a good way to transfer wealth without setting a trust or another vehicle, which I am not sure I want to do (at least not yet). I am trying to transfer wealth as it is generated without paying taxes.I...
by MooreBonds
Sat Jan 04, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Kid's life insurance estate planning
Replies: 15
Views: 713

Re: Water conservation

Showers are big water consumers. If people learn to use a shower like boaters use showers (turn the water off when not lathering or rinsing), it can save a lot of water that just goes down the drain. I call this a military shower. I was not in the military but I think it is how they do it. Very eas...
by MooreBonds
Sat Jan 04, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: Water conservation
Replies: 44
Views: 3500

Re: Single & Frugal or Coupled & (Financially) Incompatible?

Been there done that. IMO, single and frugal wins. But coupled and both happily frugal is MUCH better! I would imagine that coupled and both happily unfrugal is better too, but that’s just speculation… As a 37 year old single guy, I definitely relate to the challenge of finding someone who's financ...
by MooreBonds
Wed Jan 01, 2014 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Single & Frugal or Coupled & (Financially) Incompatible?
Replies: 77
Views: 5930
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