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in-kind HSA transfer

Is this generally possible? Has anyone done it?
by TS1
Wed Jan 01, 2014 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: in-kind HSA transfer
Replies: 1
Views: 122

Re: HSA timing

Thank you all for your responses, but what I was asking is whether I can open ("establish") the HSA prior to my coverage start date, because if I can't, then it creates at least a 1-day gap between the start of coverage and the date when health expenses become qualified for reimbursement f...
by TS1
Wed Dec 18, 2013 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA timing
Replies: 8
Views: 443

HSA timing

Does anyone know if it is ok to open and fund an HSA if HDHP coverage is scheduled to begin in the future but that date has not yet arrived (1/1/14)? I've searched for this information online without success.
by TS1
Wed Dec 18, 2013 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA timing
Replies: 8
Views: 443

Re: Dividends Are Different?

Dratkinson, let me try putting it a different way. Your conclusion that NONDIV requires a higher growth rate than DIV is the result of not using a consistent definition of growth rate. Your spreadsheet defines the NONDIV growth rate as the rate necessary to restore the value of the holdings remainin...
by TS1
Sun Jun 23, 2013 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: Dividends Are Different?
Replies: 207
Views: 9501

Re: Dividends Are Different?

They are reflected in the share price, because if they were paid out as dividends the share price would drop by the amount paid.
by TS1
Sat Jun 22, 2013 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: Dividends Are Different?
Replies: 207
Views: 9501

Re: Dividends Are Different?

In your spreadsheet, you are selling shares of NONDIV before they get that year's growth of 2%. ... No, I did not make that mistake. Shares are sold after accounting for the period's growth. Notice... 1. NONDIV's Total Return growth rate is first reflecting as an increase in NONDIV's period share p...
by TS1
Sat Jun 22, 2013 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Dividends Are Different?
Replies: 207
Views: 9501

Re: Dividends Are Different?

In your spreadsheet, you are selling shares of NONDIV before they get that year's growth of 2%.
by TS1
Sat Jun 22, 2013 1:09 am
 
Forum: Investing - Theory, News & General
Topic: Dividends Are Different?
Replies: 207
Views: 9501

Re: Dividends Are Different?

G2 should be =ROUND(H2*(E2*(1+$K$3)),2) (and pasted down)

H2 should be =ROUND(F2/(E2*(1+$K$3)),3) (and pasted down)
by TS1
Fri Jun 21, 2013 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: Dividends Are Different?
Replies: 207
Views: 9501

Re: Meet Mr. Money Mustache, the man who retired at 30

The person probably stated an expense level that was not sustainable from $4M.
by TS1
Sun Apr 28, 2013 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 28763

Re: 25x expenses for retirement question

It does not account for taxes. If the 100k does not include taxes, add them in before multiplying by 25.
by TS1
Fri Apr 26, 2013 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25x expenses for retirement question
Replies: 14
Views: 2059

Re: CC autopay (debit) vs bank bill pay

That is a weak analogy because there is no record of the amount of funds in your wallet and no transaction record when they extract the cash. +1 A company that pulls a payment from your bank account does not see your balance, and the payment is recorded, to be disputed later if there is any problem.
by TS1
Wed Apr 24, 2013 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: CC autopay (debit) vs bank bill pay
Replies: 44
Views: 2320

Re: SEP-IRA or solo 401(k) with a slight twist

http://www.irs.gov/Retirement-Plans/Retirement-Plans-FAQs-regarding-SEPs-Contributions When must I deposit the contributions into the SEP-IRAs? You must deposit contributions for a year by the due date (including extensions) for filing your federal income tax return for the year. If you obtain an ex...
by TS1
Fri Apr 05, 2013 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: SEP-IRA or solo 401(k) with a slight twist
Replies: 11
Views: 1703

Re: Is It O.K. To Wash Wool "Dry Clean Only" Dress Pants?

I'm not sure it's possible to get a good result washing wool pants in water, but I once watched Martha Stewart hand wash a cashmere sweater and she said that avoiding agitation is key. It was a dip-and-blot type of procedure.
by TS1
Mon Apr 01, 2013 11:55 pm
 
Forum: Personal Consumer Issues
Topic: Is It O.K. To Wash Wool "Dry Clean Only" Dress Pants?
Replies: 19
Views: 7025

Re: "Market Highs" Don't Pertain To You

What is the "60% Balanced Asset Class" portfolio?
by TS1
Wed Mar 06, 2013 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: "Market Highs" Don't Pertain To You
Replies: 9
Views: 1455

Re: Do less buybacks outside the US mean higher dividends/ta

The wiki data for years prior to 2007 show international dividends still higher on average than US dividends, though by less - mean 0.13% and median 0.14%. Also, I am doing my own calculations using data from Yahoo Finance and am getting a much larger difference. In fact I am curious whether I am do...
by TS1
Sun Feb 17, 2013 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: Do less buybacks outside the US mean higher dividends/taxes?
Replies: 6
Views: 373

Re: Do less buybacks outside the US mean higher dividends/ta

Thank you :happy I'm interested in thoughts on whether this difference would be reasonably expected to continue, or if the practice of buybacks will spread more beyond the US. Is it motivated primarily by income tax rules, and don't the other major tax regimes have a similar deferral of capital gain...
by TS1
Sat Feb 16, 2013 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Do less buybacks outside the US mean higher dividends/taxes?
Replies: 6
Views: 373

Do less buybacks outside the US mean higher dividends/taxes?

My understanding is that the use of stock buybacks as a substitute for dividends is more common for US companies than elsewhere.

Does this justify an expectation of higher dividend yields for non-US stocks, all else equal?
by TS1
Sat Feb 16, 2013 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: Do less buybacks outside the US mean higher dividends/taxes?
Replies: 6
Views: 373

Re: Compound interest - what freq to assume with investments

People say things like "Historically, the market has done X% per year". Is this assuming annual compounding? I don't think interpreting "X% per year" requires knowing a compounding frequency. It means that at the end of a year you have 1+X of what you started with. Converting th...
by TS1
Sun Feb 03, 2013 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: Compound interest - what freq to assume with investments?
Replies: 10
Views: 763

Re: Given low rates, more tax efficient to tax shelter stock

...higher tax on cap gains in future... ... the probable extra tax that one might have to pay on CG on stocks). Both taxable and tax-deferred accounts have a progressiveness to their eventual tax rate. In taxable it is because basis is not taxed, so the more growth there is the higher the tax as a ...
by TS1
Tue Jan 15, 2013 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Given low rates, more tax efficient to tax shelter stocks?
Replies: 110
Views: 8434

Re: Gus Sauter Worried About "Bond Bubble"

nydad wrote: ...why not just keep it safely tucked away in a bank account?

For large amounts, government bonds are safer than a bank account.
by TS1
Tue Jan 15, 2013 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Gus Sauter Worried About "Bond Bubble"
Replies: 20
Views: 3049

Re: max 401k in first 3 months?

If you have a match that is affected by whether you contribute in each paycheck, you can still front-load most of it and then leave just enough to be spread over the remaining paychecks and get the match. Regarding changing jobs, this works out fine because in that situation you would want to have s...
by TS1
Wed Jan 09, 2013 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: max 401k in first 3 months?
Replies: 3
Views: 522

Re: Missing 2 cents

$10,500 / $134.46 = 78.090138331102186523873270861223 shares

The extra 0.000138331102186523873270861223 shares would be lost from rounding to three places (rounding down in this case), and are worth approximately $0.02. Other transactions should get rounded up, producing the reverse effect.
by TS1
Fri Jan 04, 2013 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Missing 2 cents
Replies: 12
Views: 802

Re: Do Bogleheads also have "a Marxist view of consumer cult

I think the point is not that the "expensive high status things" are not "objectively nicer", but that buying them can be destructive to the buyer's financial security. It is possible to admire fine things without purchasing them.
by TS1
Thu Jan 03, 2013 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads also have "a Marxist view of consumer culture"
Replies: 13
Views: 1015

Re: allocating bonds across 401k & Roth IRA to max Roth bala

Grabiner and FNK, My apologies - My earlier post was me expressing a conclusion that I remembered having reached in the past but I did not correctly remember the line of reasoning which led me to the conclusion. I agree that if one assumes a certain multiplicative tax adjustment factor, then the eff...
by TS1
Fri Dec 28, 2012 1:06 am
 
Forum: Investing - Theory, News & General
Topic: allocating bonds across 401k & Roth IRA to max Roth balance
Replies: 14
Views: 2554

Re: allocating bonds across 401k & Roth IRA to max Roth bala

It seems to me that even if you tax-adjust your allocation, and even if the adjustment turns out to be perfectly accurate, and even if you rebalance, you will still be better off to have kept the faster growing asset class in the account with the lowest tax rate, because it will have made that accou...
by TS1
Thu Dec 27, 2012 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: allocating bonds across 401k & Roth IRA to max Roth balance
Replies: 14
Views: 2554

Re: allocating bonds across 401k & Roth IRA to max Roth bala

Historically, in the US, and over time periods of many years, 100% stocks gives a higher return than any mix of stocks and bonds. To the extent that is repeated over your time horizon, your Roth will grow larger if you keep the bonds elsewhere. This is made more likely by the particularly low expect...
by TS1
Thu Dec 27, 2012 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: allocating bonds across 401k & Roth IRA to max Roth balance
Replies: 14
Views: 2554

Re: Future liquidity of ETFs

Regarding discounts to NAV, isn't it true that institutional holders can redeem shares in-kind, and would this not prevent a significant discount from developing as a separate issue from the spread?
by TS1
Thu Dec 27, 2012 12:44 am
 
Forum: Investing - Theory, News & General
Topic: Future liquidity of ETFs
Replies: 19
Views: 1010

Future liquidity of ETFs

Hi all, Spreads on the major Vanguard ETFs are very small now, but I was wondering if an investor with a time horizon of decades might have any reason for concern over whether those spreads might not always be such. Perhaps the popularity of Vanguard ETFs, or ETFs in general could wane. A lot can ch...
by TS1
Wed Dec 26, 2012 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: Future liquidity of ETFs
Replies: 19
Views: 1010

Re: A tablet can replace a computer

Without having read the article or most of the posts... I would say that I like the idea because I find laptops promote a hunched posture. A tablet could be propped up high with the keyboard low, like a desktop, but be portable like a laptop.
by TS1
Mon Dec 17, 2012 7:04 pm
 
Forum: Personal Consumer Issues
Topic: A tablet can replace a computer
Replies: 57
Views: 6032

Re: Instability of relative account sizes

Once again, slowly this time, TS1 shows a 4% difference in the return of the asset classes. Absent any new money or any withdrawals, redirection of the roughly 2% dividends from the better performing asset to the lesser performing asset would have corrected the "problem". Investors have e...
by TS1
Mon Dec 17, 2012 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Instability of relative account sizes
Replies: 18
Views: 705

Re: Instability of relative account sizes

Here are some numbers. Assume two asset classes, one grows at 7% and the other at 3%. Starting with $100 in each class, in separate accounts which cannot be intermingled, and rebalancing each year to 50/50, after 20 years 66% of the portfolio is in the account with the faster growing asset. If that ...
by TS1
Mon Dec 17, 2012 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Instability of relative account sizes
Replies: 18
Views: 705

Re: Instability of relative account sizes ?

TSI It seems to me that the account with the faster growing asset will grow faster even with rebalancing. That's good. The more assets in the tax-deferred account the better because of tax-free compounding. Best wishes. Taylor Ok, that is one of the beneficial factors. I am pointing out one of the ...
by TS1
Mon Dec 17, 2012 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: Instability of relative account sizes
Replies: 18
Views: 705

Re: Instability of relative account sizes ?

TSI It seems to me that the account with the faster growing asset will grow faster even with rebalancing. That's good. The more assets in the tax-deferred account the better because of tax-free compounding. Best wishes. Taylor Ok, that is one of the beneficial factors. I am pointing out one of the ...
by TS1
Mon Dec 17, 2012 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Instability of relative account sizes
Replies: 18
Views: 705

Re: Instability of relative account sizes

Same answer: Rebalance. Portfolio management is an ongoing endeavor. Either you do it or you pay someone else to do it. Or you get out of balance. Maybe I am missing something. I am not assuming a lack of rebalancing. It seems to me that the account with the faster growing asset will grow faster ev...
by TS1
Mon Dec 17, 2012 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Instability of relative account sizes
Replies: 18
Views: 705

Re: Instability of relative account sizes

Perhaps I should give a specific example. Suppose you have a tax-deferred account and a taxable account. They happen to be just the right size for your allocation to be all ex-US stock in the taxable account (to get the foreign tax credit), and all US stock in the tax-deferred account. Fast-forward ...
by TS1
Mon Dec 17, 2012 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Instability of relative account sizes
Replies: 18
Views: 705

Instability of relative account sizes

Does it bother anyone (else) that holding different asset classes in different accounts (tax-deferred vs roth vs taxable) creates an instability in the relative sizes of those accounts, which can alter future tax bills in ways that are not easily captured by adjusting current balances by a 'tax adju...
by TS1
Mon Dec 17, 2012 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: Instability of relative account sizes
Replies: 18
Views: 705

Re: Help! Parents ask: "How to invest your future inheritanc

abrash wrote:My initial thought is ask them to put it in a Lifecycle 2040-type fund to keep it simple.


They may be curious as to what you are expecting to happen in 2040.
by TS1
Sun Dec 16, 2012 11:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help! Parents ask: "How to invest your future inheritance"
Replies: 19
Views: 1474

Re: Guardian disability insurance international travel exclu

I'm wondering if they have more of a clue than you are realizing that you will be spending a lot of time in Korea, because if not, then Korea is just one of many places to which you can travel in the future and having an exclusion specific to that one would be of very small expected benefit to them.
by TS1
Sun Dec 16, 2012 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guardian disability insurance international travel exclusion
Replies: 12
Views: 579

Re: Company 401k match included in yearly savings goals

If the money is vested then why not count it?

Maybe reframe savings goals in terms of the expected expenses which the savings will pay for, instead of as a percentage of current income.
by TS1
Sun Dec 16, 2012 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Company 401k match included in yearly savings goals
Replies: 22
Views: 1702

Re: Adult Kids/Gifting

awval999 wrote:I do like the idea of contributing to a child's roth though. Great idea imo. Can't spend it.


Incorrect. It can be withdrawn at any time, and up to the amount of the contributions will be tax- and penalty-free. I think earnings can also come out but those would be taxed and penalized.
by TS1
Sun Dec 16, 2012 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adult Kids/Gifting
Replies: 77
Views: 3961

Re: JPM Chase as custodian for Vanguard

From the 'Statement of Additional Information' of VTSMX (Total Stock Market), blue coloring is mine: Service Providers Custodians. JPMorgan Chase Bank, 270 Park Avenue, New York, NY 10017-2070 (for the Growth Index, Mid-Cap Growth Index, Mid-Cap Value Index, Small-Cap Index, and Total Stock Market I...
by TS1
Sat Dec 15, 2012 3:32 pm
 
Forum: Investing - Theory, News & General
Topic: JPM Chase as custodian for Vanguard
Replies: 8
Views: 1477

Re: JPM Chase as custodian for Vanguard

Thank you for your responses. As I have researched some more it seems that it is not the custodian but the 'transfer agent' that keeps track of individual investors' accounts, and Vanguard appears to be the transfer agent for its own funds. This suggests, as jjbiv and Steelersfan are saying, that JP...
by TS1
Sat Dec 15, 2012 11:49 am
 
Forum: Investing - Theory, News & General
Topic: JPM Chase as custodian for Vanguard
Replies: 8
Views: 1477

JPM Chase as custodian for Vanguard

Hello Bogleheads! This, my first post, is a rather specific question that has crossed my mind that I suspect someone on this forum will be knowledgeable enough to answer. The question is: With JPMorgan Chase being the custodian bank for the major Vanguard mutual funds, if one owns these mutual funds...
by TS1
Fri Dec 14, 2012 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: JPM Chase as custodian for Vanguard
Replies: 8
Views: 1477

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