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Re: POLL: Age for Collecting Social Security Benefits

I'm wondering about the rationale of the 1 person who said he waited until after age 70. Ralph +1 There are 11 that have responded that they will wait or have waited until after 70. Just curious as to the circumstances. While its not my situation, I would assume there are a lot of "professiona...
by ObliviousInvestor
Mon Aug 25, 2014 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7291

Re: Trade short term VTIPs for regular TIPs?

#Cruncher, I always enjoy your posts on bonds. Thank you.
by ObliviousInvestor
Sat Aug 23, 2014 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trade short term VTIPs for regular TIPs?
Replies: 13
Views: 1028

Re: POLL: Age for Collecting Social Security Benefits

"Planning" to collect at age 70 is far different than actually having done so. When 62 rolls around and you take notice that many folks don't make it to 70, or are diagnosed with a life changing health issue, then you've got to ask yourself one question: "Do I feel lucky?" Well,...
by ObliviousInvestor
Fri Aug 22, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7291

Re: Trade short term TIPs for regular TIPs?

Given that the fund's yield was presumably negative as of the beginning of the year, I wouldn't think that a 1.1% return would be terribly disappointing. As far as "what's going on" it's just the normal interaction between bond prices and interest rates. TIPS yields have come down since Ja...
by ObliviousInvestor
Fri Aug 22, 2014 7:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Trade short term VTIPs for regular TIPs?
Replies: 13
Views: 1028

Re: Bogleheads and Dividend Paying Stocks

It is true that dividends make up a large part of equities' growth over time. But it does not follow from that statement that dividend yield (or dividend growth, or some other dividend metric) is necessarily a way to pick stocks that will perform better than a simple index fund.
by ObliviousInvestor
Wed Aug 20, 2014 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads and Dividend Paying Stocks
Replies: 22
Views: 1994

Re: POLL: Age for Collecting Social Security Benefits

If you're concerned only about the breakeven point, you should study the second chart at the link below. A breakeven point is only a single moment in time--the time at which things start going the other way rapidly. The second chart at this link is for filing at 62 instead of 66, and it uses a PIA ...
by ObliviousInvestor
Wed Aug 20, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7291

Re: POLL: Age for Collecting Social Security Benefits

If [various hypotheticals], then it makes sense to wait. But those are ifs, and the personal ones are hard to estimate until you're close to that point in life. +1. I'd guess that a fair percentage of the votes for age 70 in this poll are from people who won't live that long. My default assumption ...
by ObliviousInvestor
Wed Aug 20, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7291

Re: 100% lifestrategy - good idea for a hands-off investor?

Does having a single fund like LifeStrategy make it difficult to do tax loss harvesting? You cannot harvest loss on the individual funds that are within the LifeStrategy fund... For a hands-off investor or someone who will not re-balance religiously, it seems like a good choice. But for someone wit...
by ObliviousInvestor
Tue Aug 19, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% lifestrategy - good idea for a hands-off investor?
Replies: 28
Views: 3267

Re: 100% lifestrategy - good idea for a hands-off investor?

berntson wrote:Alternatively, as I suggested earlier, the investor could just keep her existing LS allocation (especially if it is in a taxable account) and gradually hold more cash.

Yep. Or TIPS, or CDs, or annuities. (For what it's worth, this is more or less my personal plan at this point.)
by ObliviousInvestor
Tue Aug 19, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% lifestrategy - good idea for a hands-off investor?
Replies: 28
Views: 3267

Re: Bad(?) advice given about Target Date Retirement funds

Mel Lindauer wrote:Here's a column I did for M* back in 2009 on this very topic called "Fixing Target Date Funds".

http://news.morningstar.com/articlenet/ ... Id=2686718

Thanks for sharing that article, Mel. I don't remember having read it when it came out. I like your suggestions.
by ObliviousInvestor
Tue Aug 19, 2014 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 77
Views: 5068

Re: Bad(?) advice given about Target Date Retirement funds

My preference for the LifeStrategy funds is primarily due to the naming convention. When presented with a menu of LifeStrategy funds, an investor has no choice but to think about his/her risk tolerance. With the Target Retirement funds, there's an easy out: just pick based on the date. And even when...
by ObliviousInvestor
Mon Aug 18, 2014 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 77
Views: 5068

Re: Bad(?) advice given about Target Date Retirement funds

My counter advice is to use a Life Strategy or other balanced fund that closely matches your desired AA and stick with it for a while. Perhaps a decade or so down the line you might want to change I agree. I'm a big fan of the LS funds. Their names are more descriptive and their operation is very e...
by ObliviousInvestor
Mon Aug 18, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 77
Views: 5068

Re: SS question

So just to make sure I understand this right.... ... I took my SS at age 62. ... My wife isn't eligible for SS on her own. She took spousal benefit based on my earnings at age 62. ... We are both past FRA now. So if I die she can stop the spousal benefit and begin receiving what I currently receive...
by ObliviousInvestor
Sun Aug 17, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: SS question
Replies: 14
Views: 1361

Re: SS question

How about the case of delaying to 70. At death, spouse is entitled to DRC or PIA? See paragraph (b) of the second link I provided above. DRC is the answer :happy -----------paragraph b from your reply-We may increase your monthly benefit amount if the insured person delays filing for benefits or re...
by ObliviousInvestor
Sun Aug 17, 2014 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: SS question
Replies: 14
Views: 1361

Re: SS question

So just to make sure I understand this right.... ... I took my SS at age 62. ... My wife isn't eligible for SS on her own. She took spousal benefit based on my earnings at age 62. ... We are both past FRA now. So if I die she can stop the spousal benefit and begin receiving what I currently receive...
by ObliviousInvestor
Sun Aug 17, 2014 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: SS question
Replies: 14
Views: 1361

Re: SS question

So just to make sure I understand this right.... ... I took my SS at age 62. ... My wife isn't eligible for SS on her own. She took spousal benefit based on my earnings at age 62. ... We are both past FRA now. So if I die she can stop the spousal benefit and begin receiving what I currently receive...
by ObliviousInvestor
Sat Aug 16, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS question
Replies: 14
Views: 1361

Re: Vanguard:"Social Security: How to decide when it's time.

This is something I've never understood, HOW they "adjust" for the $$ benefits not paid because of "too much" in earnings. IS it a lump sum? If so, I assume that could bump someone into a higher tax bracket. (And could it end up with more of the SS benefits being subject to tax ...
by ObliviousInvestor
Wed Aug 13, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 82
Views: 5817

Re: Vanguard:"Social Security: How to decide when it's time.

This is something I've never understood, HOW they "adjust" for the $$ benefits not paid because of "too much" in earnings. IS it a lump sum? If so, I assume that could bump someone into a higher tax bracket. (And could it end up with more of the SS benefits being subject to tax ...
by ObliviousInvestor
Wed Aug 13, 2014 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 82
Views: 5817

Re: Vanguard:"Social Security: How to decide when it's time.

This is something I've never understood, HOW they "adjust" for the $$ benefits not paid because of "too much" in earnings. IS it a lump sum? If so, I assume that could bump someone into a higher tax bracket. (And could it end up with more of the SS benefits being subject to tax ...
by ObliviousInvestor
Wed Aug 13, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 82
Views: 5817

Re: Vanguard: "Social Security: How to decide when it's time

So "file and suspend" is beneficial just for married couples, right ? It's not a free pass for me to wait until 70yo** to start collecting, but then change my mind if serious longevity issues appear between FRA and 70yo. ** I'm assuming FRA = 66, because if I were that much older I'd alre...
by ObliviousInvestor
Tue Aug 12, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 82
Views: 5817

Re: Does domestic over weighting qualify as active managemen

I'm beginning to think part of the misunderstanding problem may be many of us using "active management" as a snarl word . PJW Agreed. Due in part to our laziness when chatting around here, and due in part to the nature of being new to something (and therefore trying to condense everything...
by ObliviousInvestor
Tue Aug 12, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: Does domestic over weighting qualify as active management?
Replies: 26
Views: 1220

Re: Otar's "Gray Zone"

In his book Unveiling the Retirement Myth , Otar talks about the Green, Gray, and Red zones. 1. If your withdrawal rate (WR) is lower than the sustainable withdrawal rate (SWR), then you are in the green zone. You have abundant savings. 2. If your withdrawal rate is greater than the annuity rate (AR...
by ObliviousInvestor
Tue Aug 12, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Otar's "Gray Zone"
Replies: 3
Views: 511

Re: Does domestic over weighting qualify as active managemen

So Mike himself says (and he might well pop in here to clarify): I don’t have any strong opinion on whether the domestic tilt of the LifeStrategy portfolio (i.e., the fact that the LifeStrategy funds overweight domestic stocks and underweight international stocks relative to their market capitaliza...
by ObliviousInvestor
Mon Aug 11, 2014 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: Does domestic over weighting qualify as active management?
Replies: 26
Views: 1220

Re: Your Favorite charity organization...? please

PATH has been the recent recipient of our charitable activities. We found it through the Gates Foundation. Our primary criteria were that it be secular, operate in a part of the world where our money would go further than it does here, and be primarily focused on improving people's health. http://ww...
by ObliviousInvestor
Fri Aug 08, 2014 8:45 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4153

Re: Stop Passing Up This Great Deal - In Money Magazine

Simplified to the higher SS range for brevity..... According to my math:* As a single person: If your Social Security benefits are more than $9,000 per year, the "tax hump" (i.e., range of unusually high marginal tax rate) extends from a combined income (excluding Social Security) of: $25...
by ObliviousInvestor
Fri Aug 08, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11056

Re: Series 7

Unless it has changed materially since 2006, my advice would be: Study, but don't stress about it. The test is super easy.
by ObliviousInvestor
Thu Aug 07, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Series 7
Replies: 6
Views: 742

Re: Stop Passing Up This Great Deal - In Money Magazine

What is the possibility of paying increased premiums for health insurance bought through Affordable Care Act(Obamacare)? Any Roth withdrawals don't count towards your income, however Traditional withdrawals count and can increase your premiums. Higher income can result in lower cost sharing subsidi...
by ObliviousInvestor
Wed Aug 06, 2014 8:34 am
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11056

Re: Stop Passing Up This Great Deal - In Money Magazine

I haven't worked through all the combinations, which all have different breakpoints, but the impression I got when I worked it through once is that the "high marginal tax rate" caused by distributions increasing the portion of Social Security which is taxed, although very annoying, is als...
by ObliviousInvestor
Tue Aug 05, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11056

Re: Why would anyone buy a deferred income annuity?

sscritic wrote:
LongerPrimer wrote:Does the ObviousInvestor blogger, have An AARP card or does he carry ID for proof of age for liquor purchase?

The latter. :)

Yep. And thank you for the kind words, by the way. :)
by ObliviousInvestor
Tue Aug 05, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: Why would anyone buy a deferred income annuity?
Replies: 59
Views: 4605

Re: Stop Passing Up This Great Deal - In Money Magazine

I think that if there is any mistake here, it is only that it is not worded in a way that makes it sufficiently clear that the original author is writing about the marginal rates on ordinary income. Yes, this is a good point. When I said that people often have marginal tax rates of "22% or 27%...
by ObliviousInvestor
Tue Aug 05, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11056

Re: Q&A with Jack Bogle at 2014 Bogleheads Conference

lwm31 wrote:How does one register for this conference? I live right outside Philadelphia, so I would be thrilled to attend. Thanks!

Unfortunately, it's already sold out.
viewtopic.php?p=1973117

Hopefully you can join us next year!
by ObliviousInvestor
Mon Aug 04, 2014 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Q&A WITH JACK BOGLE AT THE 2014 BOGLEHEAD CONFERENCE
Replies: 35
Views: 13091

Re: Opinions on Denver Bond program

Not sure why it matters if it is reported as income or not, since it is tax free anyway.... Even tax-exempt interest can have tax consequences in some cases. For example, if you're receiving Social Security benefits, the amount of them that is taxable depends on your "combined income" (a ...
by ObliviousInvestor
Sun Aug 03, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on Denver Bond program
Replies: 15
Views: 944

Re: Opinions on Denver Bond program

Does "interest is accrued semi-annually... until maturity" mean that it will be reported each year as income? Or does "the difference between the purchase price and the maturity value represents the accrued interest and is only paid at maturity" mean that income will only be rep...
by ObliviousInvestor
Sun Aug 03, 2014 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on Denver Bond program
Replies: 15
Views: 944

Re: Stop Passing Up This Great Deal - In Money Magazine

Is there any way at all to access this article online? I don't subscribe to any print publications, and my local grocery store still has the July issue of Money for some reason. I spoke with Penny for this article with regard to how the ACA and taxation of Social Security can make a retiree's margin...
by ObliviousInvestor
Sun Aug 03, 2014 7:20 pm
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11056

Re: Opinions on Denver Bond program

Well this is interesting. That's quite a yield. On the other hand, complete illiquidity isn't exactly desirable of course. The individual muni bond market is not something I pay much attention to myself. Do municipalities frequently do this sort of thing (tiny offering, only to local investors, limi...
by ObliviousInvestor
Sun Aug 03, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on Denver Bond program
Replies: 15
Views: 944

Re: Life Strategy Fund fee question

The Lifestrategy fund stated fee is 0.17%. But, it is obviously a fund of funds. I assume you also end up paying the fee of the underlying funds, or does Vanguard waive it or discount it? Would I truly be paying 0.17% or more in the range of 0.3%? Thank you The 0.17% expense ratio is the only expen...
by ObliviousInvestor
Sun Aug 03, 2014 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Fund fee question
Replies: 34
Views: 1717

Re: Individual Stocks with Perks

Inspired by a comment on another thread, let's discuss which individual stocks have perks that come with ownership of said stock. Example: Berkshire Hathaway shareholders get up to an 8% discount on their Geico insurance. I believe you only need to own a single share. All you need to do is tell Gei...
by ObliviousInvestor
Fri Aug 01, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks with Perks
Replies: 21
Views: 2101

Re: Dave Ramsey still defending 12% and still angry at "nerd

bhsince87 wrote:[OT comment removed by admin LadyGeek]

I really don't know what you mean. Those are direct quotes from the website. Perhaps we're having some sort of miscommunication here.
by ObliviousInvestor
Thu Jul 31, 2014 11:59 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22418

Re: Dave Ramsey still defending 12% and still angry at "nerd

But as far as investing hucksters go, IMO, he is not one. Aside from the 12% returns he suggests investors should expect, he also recommends: 1) 100% actively managed funds, 2) 100% stock allocation for everybody, and 3) an 8% inflation-adjusted withdrawal rate in retirement. On the other hand, he ...
by ObliviousInvestor
Thu Jul 31, 2014 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22418

Re: Dave Ramsey still defending 12% and still angry at "nerd

But as far as investing hucksters go, IMO, he is not one. Aside from the 12% returns he suggests investors should expect, he also recommends: 1) 100% actively managed funds, 2) 100% stock allocation for everybody, and 3) an 8% inflation-adjusted withdrawal rate in retirement. On the other hand, he ...
by ObliviousInvestor
Thu Jul 31, 2014 11:26 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22418

Re: How Much Did You Lose Today?

Need option for "don't know, probably not going to check." :)
by ObliviousInvestor
Thu Jul 31, 2014 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14163

Re: Vanguard Spousal IRA

mike143 wrote:I wanted to confirm there is nothing special to do for a Spousal IRA and all I need to do is ensure eligibility and make a contribution to her account.

Correct.
by ObliviousInvestor
Thu Jul 31, 2014 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Spousal IRA
Replies: 3
Views: 475

Re: Social Security - Receive Any Letters Approaching Age 70

Oblivious, in a nutshell. In your opinions: a) How important it is to claim Social Security fairly soon after turning 70? b) As a practical matter, how much leeway do you have? c) What do you suggest that people use as a reminder? a) Pretty important, assuming that each monthly payment would be a n...
by ObliviousInvestor
Wed Jul 30, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security - Receive Any Letters Approaching Age 70?
Replies: 22
Views: 2084

Re: Social Security - Receive Any Letters Approaching Age 70

Mike, I called SS yesterday and was surprised at the following: I turn 70 next year in Aug and was planning on not requesting payment till Dec in order to defer income to the following year(marginal tax threshold issues). The SS lady said yes, you would be paid retro, but you would get a 1099 for t...
by ObliviousInvestor
Wed Jul 30, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security - Receive Any Letters Approaching Age 70?
Replies: 22
Views: 2084

Re: Social Security - Receive Any Letters Approaching Age 70

From what I read paper statements only go out every 5 years. So beginning in September 2014, SSA will resume mailing paper statements to workers attaining ages 25, 30, 35, 40, 45, 50, 55, and 60 and over who are not receiving Social Security benefits and who are not registered for an online account...
by ObliviousInvestor
Sun Jul 27, 2014 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security - Receive Any Letters Approaching Age 70?
Replies: 22
Views: 2084

Re: Social Security - Receive Any Letters Approaching Age 70

1. Do any instructions or reminder letters arrive approaching Age 70? Well, you do get your Social Security statement. According to the current policy, you would get a paper statement every year from age 60 onward (unless you've signed up for the online account version of the statement). As you've ...
by ObliviousInvestor
Sun Jul 27, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security - Receive Any Letters Approaching Age 70?
Replies: 22
Views: 2084

Re: A Scenario and 3 questions

SS benefits when taken will have been indexed upward for inflation. (I think that technically they index upward the salary history. One of our experts can advise on the exact formulation). All earnings that occur up to age 60 are indexed upward for wage inflation in the calculation of one's "a...
by ObliviousInvestor
Sun Jul 27, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Scenario and 3 questions
Replies: 7
Views: 542

Re: Divorce - Remarry - Die Social Security Question

Both the first and second wife have the option to receive widow's benefits, provided they meet the various requirements. For the second wife: http://www.ssa.gov/OP_Home/cfr20/404/404-0335.htm For the ex-wife: http://www.ssa.gov/OP_Home/cfr20/404/404-0336.htm Widow benefits are calculated the same re...
by ObliviousInvestor
Sun Jul 27, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorce - Remarry - Die Social Security Question
Replies: 3
Views: 559
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