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Re: Should I take SS at 62 or increase my burn rate ?

SS is set up so that on average it doesn't matter when you take the money. At a broad program level, this is roughly true. However, from the perspective of an individual trying to figure out when to claim, it's only true in some very particular circumstances (e.g., you're unmarried and long-term re...
by ObliviousInvestor
Fri Apr 11, 2014 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I take SS at 62 or increase my withdrawal rate ?
Replies: 27
Views: 1528

Re: WSJ webcast: tapping investments and Social Security

Munir wrote:The WSJ article referred to above by Andrea Coombes is an excellent summary about withdrawal strategies and taxation.

Agreed. And it's always great to see Boglehead Wade Pfau being quoted.
by ObliviousInvestor
Mon Apr 07, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: WSJ webcast: tapping investments and Social Security
Replies: 2
Views: 340

WSJ webcast: tapping investments and Social Security

Just in case anybody is interested, I'll be participating in a WSJ webcast today (3pm EST) about “Creating an action plan for tapping investments and Social Security in retirement.” http://www.spreecast.com/events/tap-retirement-fundssocial-security It's meant to be a companion discussion to an arti...
by ObliviousInvestor
Mon Apr 07, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: WSJ webcast: tapping investments and Social Security
Replies: 2
Views: 340

Re: The Unthinkable Disaster: What If Your Account Disappear

The IRS has records of all the investments I’ve ever made. Problem solved? Just curious: since there are no tax implications, is that also true of a Roth IRA? Well, the IRS would have a record of the Roth IRA contributions because of Form 5498. But that's of limited value here if any because the IR...
by ObliviousInvestor
Mon Apr 07, 2014 9:03 am
 
Forum: Investing - Help with Personal Investments
Topic: The Unthinkable Disaster: What If Your Account Disappeared?
Replies: 43
Views: 4348

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

Climbing: gym membership, gear, travel.
by ObliviousInvestor
Thu Apr 03, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 9140

Re: Compounding w/ Mutual Funds

Dan7 wrote:So if the market goes up the new amount is in fact utilizing the year prior earning, because it is a multiplication of total assets by percent.

Yes.

Dan7 wrote:Would this then also happen for losses, multiply ones total assets by the percent loss for the year and that would = new assets.

Yes.
by ObliviousInvestor
Thu Apr 03, 2014 6:48 pm
 
Forum: Investing - Theory, News & General
Topic: Compounding w/ Mutual Funds
Replies: 8
Views: 531

Re: Compounding w/ Mutual Funds

Consider a hypothetical fixed income investment that earns 10% compound interest per year. Starting value: $100 Value end of year 1: $110 Value end of year 2: $121 Value end of year 3: $133.10 Now consider a hypothetical mutual fund which pays no dividends, has a starting share value of $100, and wh...
by ObliviousInvestor
Thu Apr 03, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Compounding w/ Mutual Funds
Replies: 8
Views: 531

Re: single premium deferred annuity

I am unaware of any company offering such a product. At each of the last Vanguard "meet and greet" Boglehead events, I've asked at the annuity booth about single premium deferred lifetime inflation adjusted annuities. Each time the Vanguard representative told me it was something they'd lo...
by ObliviousInvestor
Thu Apr 03, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: single premium deferred annuity
Replies: 4
Views: 586

Re: Blog: Vanguard Personal Advisor Services

How is this new service different from the "Ask a CFP" service (free for Voyager Select $500k+) or the "Financial Plan service" ($1000 or less, free for Voyager Select and up)? Sounds like it's the same thing as the financial planning service they've had, plus portfolio manageme...
by ObliviousInvestor
Tue Apr 01, 2014 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: Vanguard Personal Advisor Services
Replies: 23
Views: 3922

Re: "Protecting Your Portfolio From Old Age"

Thank you for sharing the article, Taylor! I think Mike recommending a dot.com advisor like Wealthfront or Betterment is poor advice, as these companies are unlikely to be around in their current form over the typical aging investor's remaining lifespan. (Headline 1: "Wealthfront Acquired by Mo...
by ObliviousInvestor
Fri Mar 28, 2014 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: "Protecting Your Portfolio From Old Age"
Replies: 19
Views: 2153

Re: Widow's Social Security Benefits

I will let Mike explain "grace year." :) Ha! Thanks. :| If your mom does indeed work straight through until age 70, the grace year rule won't matter. But it would end up mattering if she has a brief period of unemployment or if she ends up retiring earlier. Just quoting myself here: In So...
by ObliviousInvestor
Fri Mar 28, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Widow's Social Security Benefits
Replies: 22
Views: 1441

Re: Widow's Social Security Benefits

Question: How do the income tests work with regards to recieving a reduced benefit? I understand that Oblivious above clearly states he sees no downside to taking survivor's benefits at 60 despite my Mom continuing to work with an annual income of 56,000 through to the age of 70. A part of me wonde...
by ObliviousInvestor
Fri Mar 28, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Widow's Social Security Benefits
Replies: 22
Views: 1441

Re: Financial Plan from Vanguard?

1) I thought one of the benefits of an EFT index fund was that it had a lower expense ratio than its corresponding ETF index mutual fund. And, one of the detriments of an EFT Index fund is that you incur a trading fee every time you buy them. So, I stated that I'd be investing long-term thereby neg...
by ObliviousInvestor
Fri Mar 28, 2014 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial Plan from Vanguard?
Replies: 23
Views: 2933

Re: Roth Limits for 2013 for a 50 year old as of March 2014?

From Publication 590 : If contributions on your behalf are made only to Roth IRAs, your contribution limit for 2013 will generally be the lesser of: 1) $5,500, or 2) Your taxable compensation for the year. If you were age 50 or older before 2014 and contributions on your behalf were made only to Rot...
by ObliviousInvestor
Fri Mar 28, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth Limits for 2013 for a 50 year old as of March 2014?
Replies: 3
Views: 270

Re: Really confused by Bernstein

I don't really understand all the hullaballoo. We've been talking about lifetime annuities as a way to mostly-safely satisfy a higher level of spending for years here on the forum -- and in the retirement-related books. As far as Bernstein himself, I know he talked about them in The Investor's Manif...
by ObliviousInvestor
Fri Mar 28, 2014 8:47 am
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12747

Re: Financial Plan from Vanguard?

1) In every case they selected mutual funds. I wondered why they chose none of their ETFs, especially after one of my answers to their questionnaire was that: "When making a long-term investment, I plan to hold the investment for 9-10+ years". Not sure what you're getting at here. I don't...
by ObliviousInvestor
Wed Mar 26, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial Plan from Vanguard?
Replies: 23
Views: 2933

Re: Widow's Social Security Benefits

I reviewed the deemed filings link, but wasn't clear on something. The tentative plan we had was to use the monies recieved from SS from age 66 to 70 to live off while increasing her 401k contributions to near max. (she not currently maxing). Like most everyone, we'd like to maximize the social sec...
by ObliviousInvestor
Wed Mar 26, 2014 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Widow's Social Security Benefits
Replies: 22
Views: 1441

Re: Widow's Social Security Benefits

The official requirements are here: http://www.ssa.gov/OP_Home/cfr20/404/404-0335.htm She was married to your father for more than 9 months, so (a) is met. To meet (b), all she has to do is apply for widow benefits, so no problem there. She will meet (c) as soon as she is age 60. She meets (d) as lo...
by ObliviousInvestor
Wed Mar 26, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Widow's Social Security Benefits
Replies: 22
Views: 1441

Re: My "Motley Fool" Interview

Here's a Way Back Machine link that still has the text:
http://web.archive.org/web/200911290936 ... hp?t=45847
by ObliviousInvestor
Wed Mar 26, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: My "Motley Fool" Interview
Replies: 8
Views: 1864

Re: Really confused by Bernstein

After some reflection, I see what the OP is talking about. I’ve been reading this and other investment and retirement forums for a couple of years. About 95% of the basic structure of all the advice has been to make sure to save at least 25 times your annual expected expenses. Invested in a good mi...
by ObliviousInvestor
Mon Mar 24, 2014 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12747

Re: ROTH 401K

Do you know the IRS reasoning for treating the ROTH 401K differently from the ROTH IRA - ie. requiring the RMD for a ROTH 401K account if it remains a 401K account, but not for a ROTH IRA? Are you really interested in the IRS's reasoning, or are you interested in our lawmakers' reasoning? The IRS's...
by ObliviousInvestor
Mon Mar 24, 2014 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: ROTH 401K
Replies: 5
Views: 515

Re: Spousal Social Security benefit question

If you have already filed for your retirement benefit, then you file an application for just a spousal benefit, you would now be entitled to a retirement benefit and a spousal benefit (if eligible for a spousal benefit). There is no way to "turn off" just the retirement benefit at that poi...
by ObliviousInvestor
Fri Mar 21, 2014 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spousal Social Security benefit question
Replies: 14
Views: 1001

Re: Writing my 1st book: Financial tips please.

+1 for Aaron Shepard.

My vote is to go with CreateSpace and Kindle, then add Lightning Source later if the book is successful.
by ObliviousInvestor
Mon Mar 17, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Writing my 1st book: Financial tips please.
Replies: 14
Views: 1344

Re: Near infinite marginal tax rate?

It's correct, though it is a bit hyperbolic; after all, we're only talking about around $100 of extra taxes for your hypothetical family due to this provision, and of course that ~10000% marginal rate only applies to that one last dollar. But in general, yes, any time rounding happens there are bou...
by ObliviousInvestor
Tue Mar 11, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Near infinite marginal tax rate?
Replies: 10
Views: 1337

Re: Did you take the simplified home office tax deduction?

HueyLD wrote:Are you an employee or a self employed contractor?

Good point. Thanks for catching that.
by ObliviousInvestor
Mon Mar 10, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you take the simplified home office tax deduction?
Replies: 6
Views: 839

Re: 5 year rule when original Roth was closed

For anybody else reading, here are the ordering rules for distributions, from Pub 590: Order the distributions as follows. 1) Regular contributions. 2) Conversion and rollover contributions, on a first-in, first-out basis (generally, total conversions and rollovers from the earliest year first). See...
by ObliviousInvestor
Sat Mar 08, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: 5 year rule when original Roth was closed
Replies: 11
Views: 524

Re: 5 year rule when original Roth was closed

IRC 408A is where you'll find the rules for Roth IRAs. http://www.law.cornell.edu/uscode/text/26/408A If you scroll to (d)(2)(B), you'll find the normal 5-year rule: "A payment or distribution from a Roth IRA shall not be treated as a qualified distribution under subparagraph (A) if such paymen...
by ObliviousInvestor
Sat Mar 08, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: 5 year rule when original Roth was closed
Replies: 11
Views: 524

Re: Health Insurance Marketplace

Depending on the taxpayer's level of income, there may be a limit to the amount (of subsidy/credit claimed in advance) that he would have to repay if his income turns out to be higher than his original estimate. See "Limitation on increase" here: http://www.law.cornell.edu/uscode/text/26/3...
by ObliviousInvestor
Fri Mar 07, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Marketplace
Replies: 11
Views: 888

Re: Bogleheads.org Home Page Updated

retiredjg wrote:
LadyGeek wrote:The post listing font is back to the serif font (original) and I shortened "Recommended Reading" to "Suggested Reading."

Thanks. Much better. :D

Yes! Thank you!
by ObliviousInvestor
Mon Mar 03, 2014 9:47 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9064

Re: Bogleheads.org Home Page Updated

retiredjg wrote:And the new font is very difficult for my old eyes. Not a good change in my opinion.

Ditto this (re: the actual font, not font size).

Overall though, I very much like the new layout! Thanks for putting the work in.
by ObliviousInvestor
Mon Mar 03, 2014 9:22 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9064

Re: reached "my number", struggling with asset allocation

Author/advisor William Bernstein has often said, "When you've won the game, why keep playing it?"

http://money.cnn.com/2012/09/04/retirem ... .moneymag/
by ObliviousInvestor
Mon Mar 03, 2014 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: reached "my number", struggling with asset allocation
Replies: 11
Views: 1399

Re: Fidelity S & P 500 Vs. Vanguard S & P 500 Index Funds

livesoft wrote:Since the funds are essentially the same, I don't think the funds themselves would lead to any meaningful comparisons.

IMO, seeing that the two funds are essentially the same is itself a meaningful comparison.
by ObliviousInvestor
Thu Feb 27, 2014 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity S & P 500 Vs. Vanguard S & P 500 Index Funds
Replies: 12
Views: 1143

Re: Fidelity S & P 500 Vs. Vanguard S & P 500 Index Funds

To compare overall degree of sameness, try plotting them together on a Morningstar chart. Look up one fund on Morningstar. Click the "more" link in the top right of the chart. Then you can remove the benchmarks it automatically fills in and add other funds for comparison (by typing the tic...
by ObliviousInvestor
Thu Feb 27, 2014 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity S & P 500 Vs. Vanguard S & P 500 Index Funds
Replies: 12
Views: 1143

Re: How long to keep previous years Income tax returns????

auntie wrote:And they don't take much space.

This is especially true when they're pdfs.
by ObliviousInvestor
Sat Feb 22, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long to keep previous years Income tax returns????
Replies: 43
Views: 2675

Re: How long to keep previous years Income tax returns????

I scan, then shred everything. Then I keep the electronic copies indefinitely.
by ObliviousInvestor
Sat Feb 22, 2014 1:52 am
 
Forum: Personal Finance (Not Investing)
Topic: How long to keep previous years Income tax returns????
Replies: 43
Views: 2675

Re: How did people work out in the past?

I am looking for more ways to get fit than the regular running on the hamster wheel. I am looking for more variety and potentially to save some bucks. Ideas? Not sure that it's the best way to save some bucks, but my wife and I (and our respective families) have found climbing to be a heck of a lot...
by ObliviousInvestor
Wed Feb 19, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: How did people work out in the past?
Replies: 36
Views: 1992

Re: suddenly I'm not sure I understand the spousal SS benefi

Here are the official eligibility requirements for spousal benefits: http://www.ssa.gov/OP_Home/cfr20/404/404-0330.htm Note paragraph (d) which states that you must not be "entitled to an old-age or disability benefit based upon a primary insurance amount that is equal to or larger than the ful...
by ObliviousInvestor
Mon Feb 17, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: suddenly I'm not sure I understand the spousal SS benefit
Replies: 2
Views: 433

Re: Oblivious Investor interview at Vanguard

Thanks for pointing this out! I hadn't noticed that the interview went up on the Vanguard site yet.
by ObliviousInvestor
Sat Feb 15, 2014 11:40 pm
 
Forum: Investing - Theory, News & General
Topic: Oblivious Investor interview at Vanguard
Replies: 11
Views: 2183

Re: What are your favorite browser extensions?

AdBlock
Feedly
Tampermonkey
by ObliviousInvestor
Fri Feb 14, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: What are your favorite browser extensions?
Replies: 35
Views: 1688

Re: Cross Reference - ACCT Made Simple with ACCT Principles

Accounting Made Simple is a very high level overview of the basics of accounting. It's short enough that most people tell me they're able to read it in a day. Different people have different learning styles of course, but I personally think that it is most helpful (and easiest) to read it before re...
by ObliviousInvestor
Sun Feb 09, 2014 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cross Reference - ACCT Made Simple with ACCT Principles
Replies: 1
Views: 157

Re: How often do you find errors in statements?

I've yet to find an error on a bank/brokerage/credit card statement. But I have had errors on medical related statements. In one instance I was charged for a procedure that simply wasn't performed at all. In the other instance (different practice) my most recent payment had somehow been posted as a ...
by ObliviousInvestor
Wed Feb 05, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do you find errors in statements?
Replies: 31
Views: 2001

Re: Logging in problem

So after completely going away for a while this problem seems to have re-emerged with Chrome 32. Anyone else experiencing this? Yes. I now have to sign in almost every time. (And for what it's worth, this time it clearly has nothing to do with visiting from my phone, as I've gone probably 2-3 weeks...
by ObliviousInvestor
Tue Feb 04, 2014 11:19 am
 
Forum: Forum Issues and Administration
Topic: Logging in problem
Replies: 46
Views: 2708

Re: Another Social Security spin......

My spouse is 62. We are both still working, How does your spouse's PIA compare to yours? Is your spouse going to be claiming his/her benefit at 62? Probably not unless her income is very low. If she makes too much, they will reduce not only her own benefit but his as well if he files as her husband...
by ObliviousInvestor
Sun Feb 02, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Another Social Security spin......
Replies: 48
Views: 2902

Re: Another Social Security spin......

I am 4 months away from normal retirement age, 66. My spouse is 62. We are both still working, I am self employed, and we are in the combined 35% bracket. My calculations indicate that even in spite of my best efforts, we will be in the 28% bracket in retirement. I have set aside $250000 in two fix...
by ObliviousInvestor
Sun Feb 02, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Another Social Security spin......
Replies: 48
Views: 2902

Re: Target Fund Question

Vanguard's Target Retirement funds rebalance every day using cash flows into (or out of) the fund. The idea that rebalancing predictably increases returns is dubious though. And there's no way to know ahead of time whether rebalancing every day, every 6 months, or every 12 months is best. You may fi...
by ObliviousInvestor
Fri Jan 31, 2014 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Fund Question
Replies: 5
Views: 470

Re: How to get Google Search fixed for my web site??

Just trying to understand what you're saying here. When you do a search for the organization's name, the search engine results page includes a result that a) shows the name of your organization's website and b) shows the appropriate URL for your organization's website, but then when you actually cli...
by ObliviousInvestor
Thu Jan 30, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: How to get Google Search fixed for my web site??
Replies: 15
Views: 613

Re: WHat to do with current market conditions

nisiprius wrote:Starting asking this: "How can I make sensible decisions about investing without knowing whether or not it's a good time?"

This is excellent.
by ObliviousInvestor
Wed Jan 29, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: WHat to do with current market conditions
Replies: 21
Views: 1040
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