Search found 2822 matches

by ResearchMed
Thu Sep 03, 2015 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Home Equity When Estimating Savings for Retirement
Replies: 47
Views: 2469

Re: Home Equity When Estimating Savings for Retirement

Unless one is prepared to go the "reverse mortgage" route (or sell one's abode), it's best not to include presumed "home equity" in one's retirement portfolio. And if you don't plan on selling stock or taking a loan on margin, should you include your stocks in your portfolio? Th...
by ResearchMed
Wed Sep 02, 2015 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Marketable limit order buffer %/$
Replies: 6
Views: 258

Re: Marketable limit order buffer %/$

Today I placed a marketable limit order to buy VEU when it had a bid/ask $43.63/$43.64. The limit I set was $44 or better, and the purchase was made in 3 lots: 50% at $43.635, 10% at $43.637, and 40% at $43.639. I picked the limit by calculating roughly 1% higher than the current ask to be pretty s...
by ResearchMed
Wed Sep 02, 2015 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Home Equity When Estimating Savings for Retirement
Replies: 47
Views: 2469

Re: Home Equity When Estimating Savings for Retirement

We were ignoring the home equity, which is such a rough estimate anyway. However, it's gotten high enough, in all likelihood, that it's harder to ignore. We are assuming that we'll be moving to a place where we can avoid home ownership maintenance/problems, and also where we can get more "assis...
by ResearchMed
Wed Sep 02, 2015 9:29 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs Dow30
Replies: 32
Views: 1885

Re: S&P500 vs Dow30

All 30 Dow stocks are also in the S&P 500. Did you exclude the 30 Dow members from the orange bars? Is this with dividends reinvested? No the Dow stocks are also included, just took the two lists as is and year to date price changes, so doesn't include dividends. Just a exercise to see how a sn...
by ResearchMed
Tue Sep 01, 2015 6:16 am
Forum: Personal Consumer Issues
Topic: Bogleheads -"Raybo" knows Alcatraz! Bo knows football.
Replies: 9
Views: 1069

Re: Bogleheads -"Raybo" knows Alcatraz! Bo knows football.

Hi Everyone. I am brand new to this forum. I stumbled upon it while looking for information about Alcatraz. I have a question about the S.E.A.T. option and would love to contact Raybo about it. I seem to be a little dumb today, or maybe I should have had my morning coffee first, but I don't seem ab...
by ResearchMed
Mon Aug 31, 2015 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Anxiety after investing inheritance
Replies: 12
Views: 935

Re: Anxiety after investing inheritance

Define "quality" stocks. What is blue today, could very well be deep in the red tomorrow. How much time did you, are you, will you spend in the future watching over these quality stocks? My point is, if you aren't comfortable with what the market has done over the past 3 weeks, you are go...
by ResearchMed
Mon Aug 31, 2015 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: About to close on a home we have overbid on - have cold feet
Replies: 57
Views: 6967

Re: About to close on a home we have overbid on - have cold feet

The 3% is a large chunk of money, but compared to what *could* happen... You are planning to put almost all of your current wealth into a house, and you don't have a green card, and could need to leave the country - and risk not getting your money back from a sale later? NOT a good idea. You should ...
by ResearchMed
Mon Aug 31, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 7
Views: 432

Re: Disability Insurance

Can this coverage follow you if you leave this company (even if at higher cost)? Otherwise, if you change employers, you may find yourself uninsurable or needing to pay higher rates than if you started now, when you are young and healthy. Is the amount taxable? And is there separate short term disa...
by ResearchMed
Mon Aug 31, 2015 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 7
Views: 432

Re: Disability Insurance

After reading the Boglehead's Guide to Investing I started taking personal disability insurance more seriously. I am 30 years old and I was about the shop for an individual long term disability insurance, when I realized I should also check my employer's long term disability insurance benefits. Her...
by ResearchMed
Sun Aug 30, 2015 6:07 pm
Forum: Personal Consumer Issues
Topic: wells fargo access has been suspended
Replies: 6
Views: 660

Re: wells fargo access has been suspended

I have wells fargo for our mortgage and just got an email that states: What is happening Account security is a top priority for Wells Fargo. As a safety measure, we have suspended your access to Wells Fargo Online® because we detected a possible unauthorized attempt to sign on to your account. doin...
by ResearchMed
Sun Aug 30, 2015 3:11 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Readjustments/Concerns
Replies: 9
Views: 910

Re: Portfolio Readjustments/Concerns

[ The FBIOX fund is something we've had for about 4-5 years, and it's been our top performer. Note that we are NOT recommending it to others. "Past performance" is not predictive, etc. But the other fund, the Medical Delivery Portfolio? Per the Schwab website research (where I was anyway,...
by ResearchMed
Sun Aug 30, 2015 9:48 am
Forum: Personal Finance (Not Investing)
Topic: reconvey deed of trust
Replies: 3
Views: 184

Re: reconvey deed of trust

Would/should something like this have shown up on a title search when getting title insurance?

Curious...

RM
by ResearchMed
Sat Aug 29, 2015 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Costco American Express Card [going away]
Replies: 30
Views: 3460

Re: Costco American Express Card [going away]

QUESTION FOR COSTCO MEMBERS: Will I be able to use AMEX Blue Cash Rewards Card now to make purchases in Costco stores ? Thank you! Up to now, you have been able to use any Amex cards to make purchases in Costco stores. But once the Amex deal stops on April 1, then you won't. The only credit card yo...
by ResearchMed
Sat Aug 29, 2015 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Is This Contributing To Much To Retirement?
Replies: 12
Views: 1760

Re: Is This Contributing To Much To Retirement?

Hi All, I've seen a few topics about this, but I don't know if I've seen anything with the potential for contributing this much each year to tax-advantage accounts. I'm 23 and starting to get into retirement planning. I'm trying to figure out if it even makes sense contributing this much in Tax-Adv...
by ResearchMed
Sat Aug 29, 2015 6:27 pm
Forum: Investing - Theory, News & General
Topic: REITs: The one Tilt that Makes Sense?
Replies: 47
Views: 3156

Re: REITs: The one Tilt that Makes Sense?

I own them but after 2008 I am pretty well agnostic. I buy that real estate is a separate asset class, but REITS are not really quite real estate so you have to decide if (1) you think owning real estate is something you want and (2) are REITS a good enough proxy for real estate. One issue you real...
by ResearchMed
Sat Aug 29, 2015 6:11 pm
Forum: Investing - Theory, News & General
Topic: REITs: The one Tilt that Makes Sense?
Replies: 47
Views: 3156

Re: REITs: The one Tilt that Makes Sense?

I own them but after 2008 I am pretty well agnostic. I buy that real estate is a separate asset class, but REITS are not really quite real estate so you have to decide if (1) you think owning real estate is something you want and (2) are REITS a good enough proxy for real estate. One issue you real...
by ResearchMed
Fri Aug 28, 2015 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant failed to file for S-corp, advice and recourse
Replies: 11
Views: 765

Re: Accountant failed to file for S-corp, advice and recourse

Ok sorry I'm having trouble explaining this. I appreciate all the help. I'll try to be concise. 1). I don't care about the personal return. We owed the money so it's fine. Just giving some background about his incompetence. 2). Is it possible that the IRS is in the wrong, the appropriate extension ...
by ResearchMed
Fri Aug 28, 2015 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement with a pension
Replies: 38
Views: 4492

Re: Early retirement with a pension

ofcmetz, While you are putting in these extra few years, that is obviously making your financial future much more secure (and that's aside from any additional income/pensions if you find another part or full time job later). If current cash flow isn't limiting, how about taking a bit of that money a...
by ResearchMed
Fri Aug 28, 2015 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 0.74% car loan or pay with cash?
Replies: 72
Views: 5010

Re: Take a 0.74% car loan or pay with cash?

I'm considering buying a new car to replace my current car which I've owned since I bought it new 13 years ago. My bank has pre-approved me for an auto loan with a 0.74% APR. I've been expecting this car purchase for a while so I've been saving and have the money to purchase with cash, and that cas...
by ResearchMed
Fri Aug 28, 2015 8:50 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Readjustments/Concerns
Replies: 9
Views: 910

Re: Portfolio Readjustments/Concerns

Hello everyone, my mother has a desire to switch up her portfolio somewhat. She's considering investing in FBIOX and FSHCX. FBIOX is up 14.03% YTD and FSHCX is up 8.48% YTD. FBIOX is Fidelity® Select Biotechnology Portfolio and FHSCX is Fidelity® Select Medical Delivery Portfolio. Currently, she is...
by ResearchMed
Fri Aug 28, 2015 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Under 59 1/2 and "Sweeping" Reinvestments in Roth & IRA
Replies: 2
Views: 194

Re: Under 59 1/2 and "Sweeping" Reinvestments in Roth & IRA

First time THL and am running into a problem turning off reinvesting dividens and cap gains in my taxable account IRA and ROTH. Because Im still under 59.5, Vanguard wont let me redirect the dividends and cap gains ( at least online they won't) into the MM fund Im using as a sweeps account for my r...
by ResearchMed
Fri Aug 28, 2015 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Annuities: "Regular" vs. Gift
Replies: 2
Views: 178

Re: Deferred Annuities: "Regular" vs. Gift

Thanks. I guess I misunderstood. I was concerned there was *no* increase for deferred annuities until the age the annuitization began, and that seemed to be a major problem. Obviously, we hadn't seriously looked into them yet, as we can't get at the 403b pots for a while anyway. But eventually, we'l...
by ResearchMed
Fri Aug 28, 2015 12:51 pm
Forum: Investing - Theory, News & General
Topic: So Is Now The Time To Buy?
Replies: 21
Views: 862

Re: So Is Now The Time To Buy?

Yes, please buy, that way if enough buyers come in my NAV will go back to what it was last week and the shares I picked up on sale will have gone up in value. Market timing does not work, if you had the money on Monday, that would have been a good time to buy. The next best time is today. But only ...
by ResearchMed
Fri Aug 28, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: So Is Now The Time To Buy?
Replies: 21
Views: 862

Re: So Is Now The Time To Buy?

What would you do/how would you feel if the market went down another 10% (or more) in the near future instead, and stayed there for a while?

That could definitely happen.

RM
by ResearchMed
Fri Aug 28, 2015 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Annuities: "Regular" vs. Gift
Replies: 2
Views: 178

Deferred Annuities: "Regular" vs. Gift

I've read a lot, mostly here, about deferred annuities (single payment type) and how there aren't any that allow for inflation adjustment between the date the deferred annuity is purchased and the age at which the annuity starts. So I was a bit surprised to read about Gift Annuities, which do seem t...
by ResearchMed
Fri Aug 28, 2015 11:07 am
Forum: Investing - Theory, News & General
Topic: new Schwab password format available (yeah!)
Replies: 4
Views: 297

Re: new Schwab password format available (yeah!)

Not sure if this works quite right yet... I just tried my Schwab account, and added a few digits at the end of my password. Got in first try. No problem. Apparently they STILL do not check the entry *after* they've got the actual password. Apparently if that matches, the algorithm stops. (This didn...
by ResearchMed
Fri Aug 28, 2015 10:49 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 454

Re: ok to place a market order for VEU?

As for this past Monday's volatility, I didn't see anybody complaining about buying ETFs 10% to 30% below the prices of later in the day. Right; is a market order something I need to worry about, given that I'm buying and not selling? Yes. There can be spikes up as well as down. Probably wouldn't b...
by ResearchMed
Fri Aug 28, 2015 10:18 am
Forum: Investing - Theory, News & General
Topic: new Schwab password format available (yeah!)
Replies: 4
Views: 297

Re: new Schwab password format available (yeah!)

Schwab's been criticized for having less that optimally secure passwords. Well try this out... The new Schwab.com password format is as follows: Must be between 6 and 234 characters Must have at least 1 number Must have at least 1 letter Is case-sensitive (e.g., eXaMP1e) Can include commonly used s...
by ResearchMed
Fri Aug 28, 2015 9:57 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 454

Re: ok to place a market order for VEU?

VEU is Vanguard's ETF version of VFWAX (total ex-US). I'm going to sell a mutual fund for tax loss harvesting and buy VEU w/ the proceeds the next trading day (can't buy VFWAX, so I'm using the ETF). Is it safe to place a market order to be executed first thing the next trading day, due to the shea...
by ResearchMed
Fri Aug 28, 2015 8:49 am
Forum: Investing - Theory, News & General
Topic: Substitutes for WSJ Personal Finance and Investing Article
Replies: 16
Views: 2319

Re: Jonathan Clements left WSJ again back in June

Apparently he stopped writing columns during his second time there again this past June. But his eponymous website still has links to other articles he has written and his books and other things he is working on. I've been reading his 2015 Money Guide, and it is excellent. He's among the best perso...
by ResearchMed
Thu Aug 27, 2015 3:40 pm
Forum: Personal Consumer Issues
Topic: Apartment security deposit problem
Replies: 14
Views: 1393

Re: Apartment security deposit problem

This situation may be worth your time. Your state has stringent requirements for security deposits to always remain your money by always being in a separate bank account. The penalty for not doing so is 3 times your security deposit. Read more here: http://www.masslegalhelp.org/chapter-3-security-d...
by ResearchMed
Thu Aug 27, 2015 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Kitces - Managing the Medicare B Premium Spike
Replies: 27
Views: 2710

Re: Kitces - Managing the Medicare B Premium Spike

In my wife's case COLA did not catch up, and it still hasn't caught up. In 2012 my part B premium increased by $3.40, but hers decreased by $15.50. Even this year she's only paying $104.90, nowhere near the $115.40 she paid in her first year. I guess it depends on your definition of "caught up...
by ResearchMed
Thu Aug 27, 2015 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement with a pension
Replies: 38
Views: 4492

Re: Early retirement with a pension

Is it possible to find someone else who could help out with the transportation, for a fee? Obviously, you'd want it to be a careful driver, so the typical low-cost college student probably isn't ideal here. A parent of another child in the same school, perhaps? That won't help with your family time,...
by ResearchMed
Thu Aug 27, 2015 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Kitces - Managing the Medicare B Premium Spike
Replies: 27
Views: 2710

Re: Kitces - Managing the Medicare B Premium Spike

I'm thinking mostly of people who have "filed and suspended" their SS benefits. In my case, I started benefits early and then thought better of it and suspended benefits when I reached FRA (I believe you can't suspend until then if you've already started payments). I had to pay a higher M...
by ResearchMed
Thu Aug 27, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Kitces - Managing the Medicare B Premium Spike
Replies: 27
Views: 2710

Re: Kitces - Managing the Medicare B Premium Spike

My understanding is that the "hold harmless" will lead to the increase for "just the others" only until the COLA has caught up so that everyone has similar premiums, and then they would all increase together (unless this happens again). Just so I'm clear. This is confusing me. Y...
by ResearchMed
Thu Aug 27, 2015 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Kitces - Managing the Medicare B Premium Spike
Replies: 27
Views: 2710

Re: Kitces - Managing the Medicare B Premium Spike

My understanding is that the "hold harmless" will lead to the increase for "just the others" only until the COLA has caught up so that everyone has similar premiums, and then they would all increase together (unless this happens again). Just so I'm clear. This is confusing me. Y...
by ResearchMed
Thu Aug 27, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Kitces - Managing the Medicare B Premium Spike
Replies: 27
Views: 2710

Re: Kitces - Managing the Medicare B Premium Spike

If there is any good news for those affected it's the condition may not be permanent. In 2010 I was paying $96.50/mo for my part B. In 2011 there was no increase for me. I continued paying $96.50. But when DW came on Medicare that year her premiums were $115.40/mo. There was a small increase in 201...
by ResearchMed
Thu Aug 27, 2015 9:19 am
Forum: Investing - Theory, News & General
Topic: Why all the fuss about wash sales?
Replies: 18
Views: 2678

Re: Why all the fuss about wash sales?

Thanks iceport. We are just starting to have serious taxable investments; most holdings have been in a variety of tax-deferred accounts. Our RMD's, which just started, are now going into taxable accounts (those that aren't spent on travel, anyway). For now, we'll probably try to avoid holdings in th...
by ResearchMed
Thu Aug 27, 2015 7:18 am
Forum: Personal Consumer Issues
Topic: Catch 22 Painting Issue and RRP
Replies: 4
Views: 865

Re: Catch 22 Painting Issue and RRP

A few years ago I became aware of the issues of lead paint. I was hoping to get a painter to paint the windows of my home (the rest is sided). With the new laws painters are suppose to abide by the RRP rule: http://www2.epa.gov/lead/renovation-repair-and-painting-program Apparently many don't - I'm...
by ResearchMed
Wed Aug 26, 2015 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for a big ticket item on retirement?
Replies: 22
Views: 3107

Re: Paying for a big ticket item on retirement?

Hi all, the current version of my retirement dream involves buying a (second hand) travel trailer and setting off to do some traveling. My question is: where does one plan to draw that money from? If I take it in one lump sum from my 401k/trad IRA, that could easily push me into a higher tax bracke...
by ResearchMed
Wed Aug 26, 2015 9:29 am
Forum: Personal Consumer Issues
Topic: Siblings sharing a room until what age?
Replies: 15
Views: 2043

Re: Siblings sharing a room until what age?

Do any of you have kids of different gender that have shared a room until teen age or more? At what point you separated them and why? We have a boy and a girl, who are 5 and 7 now and we have them sharing a room by choice since the younger one turned 2. It may be a cultural thing, how we were broug...
by ResearchMed
Wed Aug 26, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 44
Views: 5095

Re: Floss aversion

^Yes, but you cannot use it while driving to work or better yet, on the train the work. I think that depends upon what state you live in. I have seen so many things on the highway, all at 60+ mph. Electric shaving; two cells to the head at once, apparently steering with elbows; putting on lipstick;...
by ResearchMed
Tue Aug 25, 2015 8:36 am
Forum: Investing - Help with Personal Investments
Topic: non-retirement or retirement account?
Replies: 6
Views: 337

Re: non-retirement or retirement account?

Setting up an account with Vanguard. My source of income is now SSDI @ 61... am I considered "retired" ? When setting up my account go non-retirement or retirement account? The terminology of "retirement account" (or non-retirement) is confusing. It actually means "tax-defe...
by ResearchMed
Mon Aug 24, 2015 4:47 pm
Forum: Personal Consumer Issues
Topic: Auto purchase offer from local dealer
Replies: 14
Views: 1132

Re: Auto purchase offer from local dealer

In the last week, I received unsolicited offers for both of my vehicles from local auto dealers -- one offer for one car from one dealer, and one offer for our van from a different I think unrelated dealer. Both offers came in the mail in the form of a hand-written note offering an "aggressive...
by ResearchMed
Mon Aug 24, 2015 11:09 am
Forum: Investing - Theory, News & General
Topic: VHT down 27% - Glitch or missed opportunity
Replies: 59
Views: 6918

Re: VHT down 27% - Glitch or missed opportunity

This is another reason NOT to use market orders for stocks or ETFs, and especially not at the open. When I did a bit of trading, one of the things I did was to put in a really *high* limit order to sell something as the market opened. Especially for things thinly traded, it was really surprising how...
by ResearchMed
Mon Aug 24, 2015 10:21 am
Forum: Investing - Theory, News & General
Topic: Market timing, but......
Replies: 4
Views: 570

Re: Market timing, but......

For the past few years, we have been converting our tIRAs to ROTHs. My question is, is there a better time to convert, funds being identical? Logic tells me, now, when the market is in the downward direction, would be a better time, since there would be less tax consequence on the sale of the tIRA....
by ResearchMed
Sun Aug 23, 2015 10:20 pm
Forum: Personal Consumer Issues
Topic: Diamond ring- insurance vs resale value
Replies: 13
Views: 1190

Re: Diamond ring- insurance vs resale value

Just doing a quick spot check, it looks like expensive diamond rings tend to sell for between 1/4 and 1/3 their appraised value on Ebay. Is that right? That is what I suspected. I wouldn't sell for that price. Basically because I don't need $10K or $15K badly enough at this stage of my life to sell...
by ResearchMed
Sun Aug 23, 2015 9:14 pm
Forum: Personal Consumer Issues
Topic: Diamond ring- insurance vs resale value
Replies: 13
Views: 1190

Re: Diamond ring- insurance vs resale value

Just doing a quick spot check, it looks like expensive diamond rings tend to sell for between 1/4 and 1/3 their appraised value on Ebay. Is that right? That is what I suspected. I wouldn't sell for that price. Basically because I don't need $10K or $15K badly enough at this stage of my life to sell...
by ResearchMed
Sun Aug 23, 2015 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification about the 5% "play money" thing...
Replies: 12
Views: 624

Re: Clarification about the 5% "play money" thing...

...something other than your long range investments described in ones IPS. But it is intended to be a long-range investment and is described in my IPS. I chose it for its low correlation to the rest of the market. I feel like if I don't rebalance, I will be failing to "stay the course". I...
by ResearchMed
Sun Aug 23, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: Orange is the New Black
Replies: 17
Views: 2620

Re: Orange is the New Black

Silly me, I was thinking this was a reference to the colors of the House of Orange, hence Nassau, hence Princeton University, of which John C. Bogle is a proud alumnus. (Should that be "which" or "whom?") (By the way, my own butterfly avatar is not intended to be a Princeton ref...

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