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Re: Can You Build Your Retirement Portfolio Young, then Coas

Start with 18-year old twins and $160,000 each, the cost of a 4-year degree at a decent (or even not so decent) school. Twin 1 goes to college, graduates at age 23 with no savings and the $160,000 spent. Twin 2 gets a job, maxes out a Roth IRA for those four years and, over time, manages to squirre...
by RobG
Thu Sep 18, 2014 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can You Build Your Retirement Portfolio Young, then Coast?
Replies: 58
Views: 7438

Re: Can You Build Your Retirement Portfolio Young, then Coas

You don't need $100,000/year unless you want to coast in a King Air. I wish I had a third of that available. When I got my first "real" job at 24 I decided I would save as much as I could until my contributions became about 1/2 of my expected annual returns. That took about 15 years, altho...
by RobG
Tue Sep 16, 2014 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can You Build Your Retirement Portfolio Young, then Coast?
Replies: 58
Views: 7438

Re: pay off mortgage or ROTH

Maybe to summarize... there are two important points regarding the Roth vs Paydown. 1) You are NOT losing 3.25% on your mortgage if you put it on your Roth; you are losing 3.25% MINUS what you would earn in your Roth for similar risk... I don't know what a proper analysis is, but Vanguard Brokerage ...
by RobG
Sat Jun 21, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: pay off mortgage or ROTH
Replies: 58
Views: 4032

Re: Chuck Norris's Own (Index) Portfolio Revealed [Humor]

My portfolio is 100% Chuck Norris plus a Bond, James Bond.
by RobG
Fri Jun 20, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: Chuck Norris's Own (Index) Portfolio Revealed [Humor]
Replies: 111
Views: 17445

Re: HSA Restructure

Aptenodytes wrote:It is plausible that you could end up withdrawing all of your HSA tax free, whereas you can't withdraw any of your 401k tax free. So money you put in your HSA has the potential to bring larger net returns.

That's what I figured. Thanks.
by RobG
Sun Mar 30, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Restructure
Replies: 12
Views: 722

Re: HSA Restructure

1) Are your HSA contributions made through a pre-tax deduction from your paycheck? If so, many people here would recommend that you first max out the HSA and then max out the other retirement vehicles, not the other way around, unless you get a match on the retirement contributions. I have no compa...
by RobG
Sun Mar 30, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Restructure
Replies: 12
Views: 722

Re: investment property pros and cons?

If I recall correctly Berkeley has some onerous rent control laws.

rg
by RobG
Sun Mar 30, 2014 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: investment property pros and cons?
Replies: 13
Views: 1222

Re: Medicare coinsurance increase with ACA???

OK, I guess one of the takehomes that I am getting is that the increase wasn't directly a result of ACA, but some cuts to the various Medicare <names> subsidies may have caused the private insurance agencies to raise prices. But I see the subsidy to Medicare Advantage was actually increased this ye...
by RobG
Tue Feb 25, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare coinsurance increase with ACA???
Replies: 25
Views: 1287

Re: Medicare coinsurance increase with ACA???

OK, I guess one of the takehomes that I am getting is that the increase wasn't directly a result of ACA, but some cuts to the various Medicare <names> subsidies may have caused the private insurance agencies to raise prices. But I see the subsidy to Medicare Advantage was actually increased this yea...
by RobG
Tue Feb 25, 2014 1:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare coinsurance increase with ACA???
Replies: 25
Views: 1287

Re: Medicare coinsurance increase with ACA???

My Medigap (BC/BS Plan C) did not increase but my Part D drug insurance did modestly. Is there a possibility your father's income increased? Higher income can result in higher premiums for Part D. Not likely - he lives mostly on Social Security and his income is low enough that he doesn't pay taxes.
by RobG
Mon Feb 24, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare coinsurance increase with ACA???
Replies: 25
Views: 1287

Re: Medicare coinsurance increase with ACA???

If he has a Medicare Supplement (plans identified by a letter of the alphabet), the PPACA would not have a direct effect on premiums. But if he had a Medicare Advantage Plan, the PPACA reduced govt subsidies to these plans and premiums, coinsurance and out of pocket max are therefore being increase...
by RobG
Mon Feb 24, 2014 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare coinsurance increase with ACA???
Replies: 25
Views: 1287

Re: Turbo Tax Bug: Self employed insurace deduction

This is why I really do not like the interview mode that most tax software uses. I am sure there will be those who disagree with me, but, if you are preparing your own taxes, when you pick up a tax doc (1099, K-1, W2 ...) you should know which line on the 1040 the data contained on the form belong....
by RobG
Mon Feb 24, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Bug: Self employed insurace deduction
Replies: 7
Views: 545

Re: Turbo Tax Bug: Self employed insurace deduction

Hayden wrote:I use Turbotax. It asks me for this amount when I enter my K-1. Then it puts it on the 1040

Thanks - I'll look for that with this year's return.
by RobG
Sun Feb 23, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Bug: Self employed insurace deduction
Replies: 7
Views: 545

Re: Medicare coinsurance increase with ACA???

"Coinsurance"? Do you mean a Medigap plan? What kind of coverage does he have? Medigap? Medicare Advantage? Did the company have no explanation? We are pricing Medigap plans right now, and in my state (WA), I can get a Cadillac plan (Plan F) through Regence (Blue Cross) for $160/mo or AAR...
by RobG
Sun Feb 23, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare coinsurance increase with ACA???
Replies: 25
Views: 1287

Medicare coinsurance increase with ACA???

My 84 year old dad is hopping mad because his coinsurance jumped from $2000/yr to $3000/yr. I'd be mad too, but my insurance agent says ACA made no changes to this coinsurance or Medicare costs. I can't find anything to explain the increase. Does anyone here know why it increased so dramatically? Wh...
by RobG
Sun Feb 23, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare coinsurance increase with ACA???
Replies: 25
Views: 1287

Turbo Tax Bug: Self employed insurace deduction

A short background: I have an S-corp which I run my health insurance through. A while back (http://www.bogleheads.org/forum/viewtopic.php?f=2&t=127809) fellow Boglehead "Jack" alerted me that the insurance cost is deducted from the corp K-1, but added to my W-2 income as a fringe benef...
by RobG
Sun Feb 23, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Bug: Self employed insurace deduction
Replies: 7
Views: 545

Re: Need a new all in one printer

Wow Toons - I didn't even know about "maintenance cycles." I think the only time my HP 6500 printed test pages was after I had to reset it when it stopped printing black (one of their bugs). [edit: based on http://www.consumerreports.org/cro/magazine/2013/08/the-high-cost-of-wasted-printer...
by RobG
Wed Feb 12, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 2794

Re: Need a new all in one printer

Is there any info on ink usage of the Brother vs Canon?
by RobG
Wed Feb 12, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 2794

Re: Need a new all in one printer

My top gripe is the fact that it will turn on at three in the morning (or some ungodly time) and clean the print heads. I've looked to see about changing the settings and apparently, you can't change what time this occurs at. I live in a studio so I really can't put it any other place (except out t...
by RobG
Wed Feb 12, 2014 3:12 am
 
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 2794

Re: Need a new all in one printer

Thanks guys, keep the info coming. I looked at the canons and am a bit nervous about buying one that costs less than $100, only because I'm guessing the components are cheap so you get jams, etc. I decided on 9600 dpi for no particular reason so that puts me at $150 nominal. The Brothers looked more...
by RobG
Mon Feb 10, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 2794

Re: Need a new all in one printer

I do need color, and high quality to print out pictures. I assume these won't reduce the options by much... You also didn't say whether you want laser or ink jet (well I guess you sorta did by saying you want one that uses ink efficiently). The last I bought a printer time I ruled out laser, I thin...
by RobG
Sat Feb 08, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 2794

Re: Need a new all in one printer

I do need color, and high quality to print out pictures. I assume these won't reduce the options by much...
by RobG
Sat Feb 08, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 2794

Need a new all in one printer

Hi folks, My printer croaked and I don't see any recent threads on printers. I need a new general printer/copier/scanner. One of my pet peeves with my old HP is that it doesn't scan to a PDF so having that feature would be nice for my next one. Of course having one that uses ink efficiently would al...
by RobG
Sat Feb 08, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 2794

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Taylor - have a happy 90th!
by RobG
Thu Jan 23, 2014 3:59 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 22928

Re: Gifting stock to family

Retread is right. See Treas. Reg. sec. 1.1001-2(a)(1) ("[T]he amount realized from a sale or other disposition of property includes the amount of liabilities from which the transferor is discharged as a result of the sale or disposition."). Yeah, that occurred to me after I posted. Becaus...
by RobG
Sat Dec 14, 2013 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting stock to family
Replies: 10
Views: 479

Re: Gifting stock to family

I am paying back a loan from my father at $1000/month. According to the article I can gift appreciated stock to him and he will pay taxes on the gains... I hate to be the guy who always drops you-know-what in the punch bowl, but this won't work or, at the very least, it's tax evasion. Your father i...
by RobG
Sat Dec 14, 2013 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting stock to family
Replies: 10
Views: 479

Re: Gifting stock to family

OK, it sounds like I (or him) just open a Scottrade account in his name and transfer the stock to him and he can sell it or whatever - just like he bought it.

Looking at For 709 instructions it doesn't look like I have to report it if it is under $14,000.
by RobG
Sat Dec 14, 2013 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting stock to family
Replies: 10
Views: 479

Gifting stock to family

I stumbled across this article: http://www.forbes.com/sites/ashleaebeling/2013/09/13/how-to-beat-the-big-2013-capital-gains-tax-hike/ and it gave me an idea. I am paying back a loan from my father at $1000/month. According to the article I can gift appreciated stock to him and he will pay taxes on t...
by RobG
Sat Dec 14, 2013 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting stock to family
Replies: 10
Views: 479

Re: Search for passive income- through real estate?

When your income is lower in retirement, you will be able to get a lot income tax benefit from the rental business. Currently I don't think you are qualified because of your high income level. I think this point needs to be re-emphasized... when you reach a certain income level you don't get to use...
by RobG
Fri Dec 13, 2013 3:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Search for passive income- through real estate?
Replies: 27
Views: 2307

Re: S-Corp and ACA

Thanks again for the info. I'm meeting with the accountant next week and it is always nice to go in semi-informed.
by RobG
Fri Dec 06, 2013 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: S-Corp and ACA
Replies: 17
Views: 1179

Re: S-Corp and ACA

Assuming you are talking about buying insurance through the SHOP exchange and qualifying for the small business health care tax credit..... I don't think they're changing that. I got the link to the IRS publications from here: http://www.irs.gov/uac/Small-Business-Health-Care-Tax-Credit-for-Small-E...
by RobG
Fri Dec 06, 2013 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: S-Corp and ACA
Replies: 17
Views: 1179

Re: S-Corp and ACA

As a 2% shareholder in an S-corp, you are considered by the IRS to be self-employed, so you should be able to get the same subsidies as anyone else buying insurance on the individual exchange. The way it works for S-corps is that the corporation takes a deduction for cost of health insurance, which...
by RobG
Fri Dec 06, 2013 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: S-Corp and ACA
Replies: 17
Views: 1179

Re: S-Corp and ACA

No, you can't get the credit. http://www.irs.gov/pub/irs-pdf/i8941.pdf Excluded employees. The following individuals are not considered employees when you figure this credit. Hours and wages of these employees and premiums paid for them are not counted when you figure your credit. * The owner of a ...
by RobG
Fri Dec 06, 2013 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: S-Corp and ACA
Replies: 17
Views: 1179

Re: S-Corp and ACA

Ask a tax lawyer. Give your wife a salary (a business expense). Come to think of it, she must not be an employee since I can only have a solo 401(k) if I'm the only employee. When I looked into it giving her a salary would only reduce mine or take from the distribution I can take without paying FIC...
by RobG
Fri Dec 06, 2013 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: S-Corp and ACA
Replies: 17
Views: 1179

Re: Math question about Rick Ferri's efficient frontier curv

For what is it worth the theoretical charts don't necessarily include rebalancing. The chart just plots mean and SD for different mixtures of stocks and/or bonds. If you have 100% stocks you will have a certain annualized return mean and SD. If you go 50/50 US/international your mean will grow sligh...
by RobG
Fri Dec 06, 2013 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: Math question about Rick Ferri's efficient frontier curve
Replies: 45
Views: 3278

S-Corp and ACA

I couldn't find where this was covered here although I'm sure it has been. I want to know if I can run my insurance through my S-Corp and deduct the premiums from my taxes and also receive the tax credit if I happen to fall below the threshold (around $94,000). I am the only employee of the S-corp (...
by RobG
Fri Dec 06, 2013 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: S-Corp and ACA
Replies: 17
Views: 1179

Re: Endpoint sensitivity on "historic" data

If anything, I think you underestimate the impact of the spread - given the way a portfolio grows from contributions I bet the last 20-30 years of the investment period dominates the return. If you were to do a similar analysis over shorter time periods you would see even more spreads. Plus if you h...
by RobG
Fri Dec 06, 2013 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: Endpoint sensitivity on "historic" data
Replies: 30
Views: 1242

Re: HDHP/HSA Questions

Keeping receipts is not absolutely necessary. Some time in the distant future you will have such significant medical bills that you will be able to deplete the HSA using those bills alone. Receipts could be useful if you had the need for cash in the near term. Victoria BOy aren't you a dose of suns...
by RobG
Sat Nov 16, 2013 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: HDHP/HSA Questions
Replies: 7
Views: 516

Re: Between Accounting and Engineering, better career?

Seems like with a CPA you can hang your shingle anywhere and make a decent living. Notsomuch with my PhD in EE. Sometimes it feels like I pay the CPA more than I take in.
by RobG
Mon Aug 05, 2013 10:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Between Accounting and Engineering, better career?
Replies: 67
Views: 10049

Re: "There is a rebalancing bonus ... false"

Isn't it reasonable to rebalance simply to control one's exposure to risk, without concern for a "bonus"? I'm just nitpicking... I'd say you are trying to keep it constant. If the market is going up, yes you would be reducing your exposure to risk by selling some equities. But if it is go...
by RobG
Wed May 29, 2013 10:36 pm
 
Forum: Investing - Theory, News & General
Topic: "There is a rebalancing bonus ... false"
Replies: 188
Views: 13992

Re: "There is a rebalancing bonus ... false"

I ran a backtest simulation for the decade of 2000-2010 with a three-fund portfolio and rebalancing. I found that returns were 0.3% per year higher with rebalancing. That said, it is easy to imagine scenarios (like the market since 2009) where rebalancing might lower your returns. Keith There's the...
by RobG
Wed May 29, 2013 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: "There is a rebalancing bonus ... false"
Replies: 188
Views: 13992

Re: "There is a rebalancing bonus ... false"

To optimize returns you need to start with two uncorrelated assets with similar return statistics But that is not an accurate representation of stock and bonds, at least the similar return part. This is important for reasons explained above. That was actually a significant point I was trying to mak...
by RobG
Wed May 29, 2013 2:09 pm
 
Forum: Investing - Theory, News & General
Topic: "There is a rebalancing bonus ... false"
Replies: 188
Views: 13992

Re: "There is a rebalancing bonus ... false"

I've tried to explain this before with moderate success. Part of the problem is jargon... expected return is not what you can "expect" etc. As you guys know, when you combine two uncorrelated assets you get a reduction in standard deviation along with an increase in expected median return ...
by RobG
Tue May 28, 2013 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: "There is a rebalancing bonus ... false"
Replies: 188
Views: 13992

Re: Why do Vanguard and Fidelity have such weak passwords?

gkaplan wrote:What happens if you forget the password to the service that manages your passwords so you won't forget them?

Don't worry, you just give them your first pet's name and they will let you in ;)
by RobG
Sat Feb 23, 2013 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Vanguard and Fidelity have such weak passwords?
Replies: 86
Views: 5869

Re: Why do Vanguard and Fidelity have such weak passwords?

I have to admit that I didn't know it ignored case. Seems like a good password is one that needs to be written down or you will forget it. Is there a thread on that KeepAss or whatever it is called? Seems like protecting all your passwords online and protected with one password is kind of strange bu...
by RobG
Sat Feb 23, 2013 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Vanguard and Fidelity have such weak passwords?
Replies: 86
Views: 5869

Re: Why do Vanguard and Fidelity have such weak passwords?

Let's see, if your password is weak isn't it because you chose to create a weak password? Wrong. Read the thread. You can use capital letters and they will be ignored. You can login with the lowercase equivalent. Still with 26 lower case+10 digits+31 symbols you have 2x10^18 possibilities. I tried ...
by RobG
Sat Feb 23, 2013 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Vanguard and Fidelity have such weak passwords?
Replies: 86
Views: 5869

Re: Why do Vanguard and Fidelity have such weak passwords?

Let's see, if your password is weak isn't it because you chose to create a weak password?
by RobG
Sat Feb 23, 2013 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Vanguard and Fidelity have such weak passwords?
Replies: 86
Views: 5869

Re: Past performance vs future returns

There is another angle to the meaning of the phrase that nobody has mentioned. It is very important to know the reason for good returns and if they are indicative of what you can expect for the future. An example would be a long term government bond fund like Vanguard's EDV which is a long term STRI...
by RobG
Wed Feb 20, 2013 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: Past performance vs future returns
Replies: 36
Views: 1774

Re: Quantifying the gains of tax loss harvesting vs the cost

Livesoft , can't talk, going skiing again :mrgreen:
by RobG
Fri Feb 15, 2013 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quantifying the gains of tax loss harvesting vs the costs
Replies: 49
Views: 2601

Re: Quantifying the gains of tax loss harvesting vs the cost

Thanks jbk, that could have been me as most people here tell us to "TLH", not "TLH and save the difference." The results are kind of strange as they don't seem to match up with the comments. I guess it is believed if you don't change your spending habits you are investing - a con...
by RobG
Fri Feb 15, 2013 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Quantifying the gains of tax loss harvesting vs the costs
Replies: 49
Views: 2601
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