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Re: How to Handle a Multi-Generational Trust

I have read a number of investing books. Graham's classic was excellent. Bogle's books were also thorough and convincing. His relentless arithmetic is undeniable. The books on stock picking and market timing sounded like a bunch of unsubstantiated rubbish after reading Bogle. I don't have the skill...
by archbish99
Thu Jul 10, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Handle a Multi-Generational Trust
Replies: 23
Views: 2629

Re: HSA savings on premium?

Shop around. One company's HDHP isn't cheaper than the HMO + 3xPPO that you've got now? That may mean their price for an HDHP isn't competitive, or that their price for a PPO is exceptionally good, or that there's medical underwriting being done in one case that isn't in the other. And of course, if...
by archbish99
Thu Jul 10, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA savings on premium?
Replies: 9
Views: 1256

Re: 15% bracket: convert IRA or tax gain harvest?

It depends. You can either convert your capital gains at 0% or convert to the Roth at 15%, or a combination of both. The big determinant is what your tax rate will be once you have to take RMD's. If you can convert and keep your RMD's down during retirement so that you're still in the 15% bracket, ...
by archbish99
Wed Jul 09, 2014 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: 15% bracket: convert IRA or tax gain harvest?
Replies: 36
Views: 2424

Re: I am thinking of buying Ooma or Magicjack need help deci

I'm interested in Ooma, but I just can't justify the cost. :wink: I've got a plan through PhonePower at $14.08/month. The Ooma would bring it down to ~$3/month, but I have to pay for the hardware first ($120), plus I would have to get their Premier service (another $10/month) to keep all the feature...
by archbish99
Mon Jul 07, 2014 12:12 pm
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 2922

Re: 26 years old, Selling Taxable

OP, reality check. This is about your hating to pay a few hundred dollars in taxes? I am no fan of taxes, but that small quantity of costs should not have an effect on executing a plan. If it does, I think you really need to rethink your investment strategy as it is possible that there will be deci...
by archbish99
Fri Jul 04, 2014 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 26 years old, Selling Taxable
Replies: 12
Views: 1480

Re: taxes on family loan for mortgage downpayment?

Keep in mind the mortgage company will require you and your family member to sign a gift letter. That doesn't mean you can't have a loan between you and your family member; it just means that the family members is agreeing that they have no claim on the property, so they cannot file a lein against ...
by archbish99
Thu Jul 03, 2014 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: taxes on family loan for mortgage downpayment?
Replies: 10
Views: 766

Re: Re-hired at firm, given incorrect 401k info

What, exactly, are you entitled to? You didn't/couldn't contribute to you plan for six months. Your employer misinformed you and you lost out on six months of contributions. Your employer owes you 4% of what? Why would they give you anything when you contributed nothing, even if they misinformed yo...
by archbish99
Thu Jul 03, 2014 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Re-hired at firm, given incorrect 401k info
Replies: 27
Views: 2282

Re: Budget or create saving buckets?

Add the cards. We use our credit cards a lot and pay the bill in full. Each credit card transaction is imported (we set up our cards) so we can assign the transaction a budget category and track them by the date they were incurred. Then when the payment is made, the payment is not assigned a budget...
by archbish99
Thu Jul 03, 2014 1:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Budget or create saving buckets?
Replies: 109
Views: 7304

Re: Has anyone tried/used the Guyton/Klinger method for a VP

IMHO all of the SWR discussions, floor and ceiling discussions, etc., are seriously lacking in the mechanics of drawdown. If you are drawing from equities to support your lifestyle you are doing something that makes no sense to me. If you are drawing from a ST or LT bond fund that makes more sense....
by archbish99
Tue Jul 01, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone tried/used the Guyton/Klinger method for a VPW
Replies: 34
Views: 2828

Re: Paying for/negotiating price of oral surgery

Even paying with a card is "cash" in most doctors' parlance. "Cash" means they get their money up-front and don't have to bill insurance or hassle you for collections after the fact. But yes, you can certainly be reimbursed after paying out of pocket, HSA or FSA. I delayed a jaw ...
by archbish99
Tue Jul 01, 2014 12:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying for/negotiating price of oral surgery
Replies: 21
Views: 1394

Re: Has anyone tried/used the Guyton/Klinger method for a VP

My issue with the VPW method is that it responds too quickly. Good years shoot up, while bad years drop. The advantage of the Guyton approach is that things stay relatively steady year-to-year; only after a severe shock, or several years of good/bad returns do you experience a big change. (Of course...
by archbish99
Sun Jun 29, 2014 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone tried/used the Guyton/Klinger method for a VPW
Replies: 34
Views: 2828

Re: Has anyone tried/used the Guyton/Klinger method for a VP

I've read most of the Guyton papers I could find, and while I basically understand his method, it's not terribly well defined. There are elements of it that I've kept, and elements I've decided serve no purpose. From memory, here's where I landed: ⋅  Separate buckets for near-term withdraw...
by archbish99
Sun Jun 29, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone tried/used the Guyton/Klinger method for a VPW
Replies: 34
Views: 2828

Re: How to buy Vanguard ETFs if you have a IRA w/them?

That advantage can be looked at from a slightly different angle: if you are forced to use a custodian other than VG, and that custodian allows it, buying the ETF my be the only choice at the lower ER. That's mine. My parents and wife have Vanguard accounts with mutual funds -- I have a Fidelity 401...
by archbish99
Sat Jun 28, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to buy Vanguard ETFs if you have a IRA w/them?
Replies: 11
Views: 887

Re: New retiree...considering a TIPS ladder

I'd actually start with your SS strategy -- might be worth a separate thread -- but one or both of you (depending on PIA) should probably consider delaying SS until age 70. TIPS ladders are a good strategy for bridging the gap, but not necessarily applicable to everyone. As noted, your portfolio is ...
by archbish99
Sat Jun 28, 2014 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: New retiree...considering a TIPS ladder
Replies: 3
Views: 392

Re: Health insurance coverage question

It might be worse than that, as most carriers have a policy that claims have to be submitted within one year from the date of service. You will probably want an attorney to assist you with this.
by archbish99
Sat Jun 28, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Health insurance coverage question
Replies: 2
Views: 261

Re: SS Gap Until 70?

I'll make a couple of assumptions here.... You say that you're looking to draw $6k/month, or $72k annually. You also said that pension + SS would cover 85% of that, or $61k annually in today's dollars. The pension is $14.5k/year. You haven't accounted for the fact that the pension isn't inflation-ad...
by archbish99
Sat Jun 28, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Gap Until 70?
Replies: 29
Views: 2410

Re: Dilemma for 401K Rollover

Livesoft, in his inimitably succinct style presumably means: ⋅ Don't split money between a target-date fund and something else. A Target Date fund is a complete portfolio, so if your friend is buying that, don't also buy something else. ⋅ The money is coming from a 401k, where it...
by archbish99
Fri Jun 27, 2014 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Dilemma for 401K Rollover
Replies: 5
Views: 214

Re: New to Investing, thoughts, taxable accounts specificall

You're going to be in a high tax bracket, and bond returns are low right now. You might find it best to have a decent portion of your bonds in tax-exempt bond funds. While I second the suggestion to consult with a CFP (fee-only) to help you establish a plan, here are basic principles to consider: &s...
by archbish99
Thu Jun 26, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, thoughts, taxable accounts specifically
Replies: 3
Views: 425

Re: Buy A New Windows Computer Now?

Yes, Windows still has accounts. Microsoft Account by preference, for integrated OneDrive and settings sync features, Store access, etc. but you can opt to just give your MSA to the apps that need it rather than signing on to the entire PC with it. If you use an MSA, it will have a password. You can...
by archbish99
Wed Jun 25, 2014 7:13 pm
 
Forum: Personal Consumer Issues
Topic: Buy A New Windows Computer Now?
Replies: 53
Views: 2773

Re: Buy A New Windows Computer Now?

Windows 8 is simple.... I bought a Win8 computer about a year ago. Download and install Start8 http://www.stardock.com/products/start8/ and it boots direct to the desktop, restores the start button and options menu just like XP and Win 7 . $4.99. Perfect. Or, for free, Windows 8.1 gives you the opt...
by archbish99
Wed Jun 25, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Buy A New Windows Computer Now?
Replies: 53
Views: 2773

Re: Buy A New Windows Computer Now?

Another factor to consider. A desktop running 24/7 uses a lot of electricity. I have a Kill-O-Watt and was shocked at how much electricity a middle powered desktop uses. I had a Windows Home Server running 24/7 to share media. That thing used ~$20 of electricity/month. A laptop that you allow to &q...
by archbish99
Wed Jun 25, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Buy A New Windows Computer Now?
Replies: 53
Views: 2773

Re: Another ESPP thread, with some specifics - Risk Analysis

Because the ESPP discount can show up on your W-2, so it feels like wages. But it will show up as income for income tax, not Medicare or Social Security.
by archbish99
Tue Jun 24, 2014 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another ESPP thread, with some specifics - Risk Analysis
Replies: 21
Views: 1142

Re: LMP at age 50 (help with TIPS Ladder)

fmzip wrote:what does LMP stand for?

Liability-Matching Portfolio. Basically, having a floor of guaranteed income (whether SPIA, bond ladders, Social Security, etc.) that will meet your basic needs, so you're less dependent on sequence of returns from riskier assets.
by archbish99
Tue Jun 24, 2014 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: LMP at age 50 (help with TIPS Ladder)
Replies: 26
Views: 1524

Re: LMP at age 50 (help with TIPS Ladder)

I'm not a Bernstein disciple, though I like a lot of his logic. Let me throw out a strategy I've suggested before, and you can see what you think. What you want LMP for is to create an inflation-adjusted income floor that will persist for the rest of your life. Start by calculating your SS at age 70...
by archbish99
Mon Jun 23, 2014 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: LMP at age 50 (help with TIPS Ladder)
Replies: 26
Views: 1524

Re: Trying to understand dividends

Step back from the mutual fund and think about stock dividends for a second. Buying a stock is basically buying access to its future dividends, either because it's paying dividends now, or growing so you hope it will in the future. Share prices change based on investors assessments of how much those...
by archbish99
Mon Jun 23, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Trying to understand dividends
Replies: 5
Views: 477

Re: Budget or create saving buckets?

One thing I read about YNAB, it doesn't automatically connect to banks...so I'm guessing initially it will take a while to set it up... I would actually say that makes it take less time, unless you have an insane number of accounts. In Quicken, you have to configure the account, find the institutio...
by archbish99
Fri Jun 20, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Budget or create saving buckets?
Replies: 109
Views: 7304

Re: Budget or create saving buckets?

May I dare ask, can someone post a Quicken vs. YNAB vs. Mint comparison? (maybe include Pros/Cons :happy) I've used YNAB for about two years now, Quicken for ~6 before that, and Excel before Quicken. I've played with Mint on occasion, but never used it full time, so take my comments there with a gr...
by archbish99
Fri Jun 20, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Budget or create saving buckets?
Replies: 109
Views: 7304

Re: Another Roth 401k Question- HELP!

The piece that's most important isn't one you've included here -- your marginal tax bracket. While you're filing as Single (this year), I would expect that you're in a higher tax bracket. Once you're married, that may come down, particularly while she's in school, but will go up substantially once s...
by archbish99
Fri Jun 20, 2014 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Another Roth 401k Question- HELP!
Replies: 4
Views: 265

Re: Budget or create saving buckets?

Yep -- we put $400/month into our "home improvement" category in YNAB; this month, we're getting new countertops, because YNAB says we have enough money for them. The checking account balance will probably look different, but none of the other budget categories will.
by archbish99
Thu Jun 19, 2014 11:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Budget or create saving buckets?
Replies: 109
Views: 7304

Re: Budget or create saving buckets?

Take a look at YNAB. You put money into a category, and the balance accumulates until it's spent. You can put notes about how much you're trying to save up, if needed.
by archbish99
Thu Jun 19, 2014 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Budget or create saving buckets?
Replies: 109
Views: 7304

Re: W-4 Exemption claim

Correct -- you're not exempt. In your case, I would probably be willing to claim a large number of exemptions for the rest of the year; the tax is required to be pay-as-you-go, and I'd you've paid your best estimate of this year's taxes (with documentation of how you reasonably arrived at that amoun...
by archbish99
Wed Jun 18, 2014 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: W-4 Exemption claim
Replies: 12
Views: 607

Re: How much do you contribute to your HSA?

I also contribute the max each year and use it to pay current expenses. Last year was an exceptionally high-cost year, so we burned through the full HSA, full FSA, and had a deficit that got reimbursed at the start of this year out of the 2014 contribution. Starting in 2015, we should have enough to...
by archbish99
Wed Jun 18, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: How much do you contribute to your HSA?
Replies: 17
Views: 934

Re: How to Charge a Smartphone in Car

The main difference is how much current the charger will output -- some will max out at 500 mA, others go as high as 2-3 A. However, some other factors to be aware of: ⋅ Your phone will only take what your phone can take, so if your phone's factory charger is only 1A, don't pay more for a ...
by archbish99
Tue Jun 17, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: How to Charge a Smartphone in Car
Replies: 12
Views: 710

Re: The Death of Savings Bonds

I haven't found the TD web site to be that difficult to use; certainly not a reason to avoid buying savings bonds. They do warn you not to use the back button, right on the opening page. Making investment decisions based on who has the nicest web site doesn't seem like a very rational approach. &qu...
by archbish99
Tue Jun 17, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: The Death of Savings Bonds
Replies: 33
Views: 3457

Re: Another ESPP thread, with some specifics - Risk Analysis

Maximums — Up to $25,000 worth of stock per year or 100% of your salary, whichever is less
by archbish99
Mon Jun 16, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another ESPP thread, with some specifics - Risk Analysis
Replies: 21
Views: 1142

Re: Another ESPP thread, with some specifics - Risk Analysis

Centrifuge, I don't think your plan works, because that's not how an ESPP works. They can't sell month 1's stocks in month 7, because they don't actually GET the stocks until the end of month 6, and the six-month lockup starts then. However, the fact that it's recurring does limit the damage, and I ...
by archbish99
Mon Jun 16, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another ESPP thread, with some specifics - Risk Analysis
Replies: 21
Views: 1142

Re: Is LTE needed? Depends on the carrier I guess.

Not to mention that LTE isn't actually 4G either, it just got marketed that way....
by archbish99
Thu Jun 12, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Is LTE needed? Depends on the carrier I guess.
Replies: 17
Views: 1375

Re: Legal? [Employer Paid Time-Off to Flexible Vacation Poli

Certain companies have found that a model where they don't allocate vacation time works better. You're graded on what you get done over the review period, and if you can get stuff done without being in the office, great! It's nice, because you don't have to worry about being a day short when you sch...
by archbish99
Wed Jun 11, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Legal? [Employer Paid Time-Off to Flexible Vacation Policy]
Replies: 27
Views: 2203

Re: HSA and FICA

Also note that you have the option of making your contributions into your employer's default provider, then rolling out over to a different provider of your choosing. The default may charge a transfer fee for that, but if it's less than you save in taxes, it may be worthwhile.
by archbish99
Wed Jun 11, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA and FICA
Replies: 4
Views: 273

Re: Does the principal payment on a mortgage even matter?

I agree with the OP. When I'm considering a refinance, the only questions are whether it lowers interest , not whether it lowers the payment. So long as I can still afford the total payment, I'm fine increasing the payment so long as total interest is reduced. It's paying down debt, which is net-wor...
by archbish99
Tue Jun 10, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does the principal payment on a mortgage even matter?
Replies: 15
Views: 2231

Re: Estate Efficiency and Parent's RMDs

Your basic principle is correct -- the "future tax bracket" is going to be either her own when taking the RMDs, or yours after you inherit. If yours is higher than hers, and hers isn't expected to change (or will increase) once she starts taking RMDs, then a Roth conversion makes sense. Be...
by archbish99
Mon Jun 09, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Estate Efficiency and Parent's RMDs
Replies: 21
Views: 1482

Re: RSUs and asset allocation?

As you've heard already, most people recommend treating RSU's as ordinary income and immediately re-investing the generated cash. The goal - become diversified. With that said, I am in a similar situation and both agree and disagree with this approach. If you believe in your company isn't it nice t...
by archbish99
Wed Jun 04, 2014 12:59 am
 
Forum: Investing - Help with Personal Investments
Topic: RSUs and asset allocation?
Replies: 15
Views: 809

Re: RSUs and asset allocation?

I ignore them. They're not "mine" until they vest. At that point, I sell and invest per my usual AA.
by archbish99
Tue Jun 03, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: RSUs and asset allocation?
Replies: 15
Views: 809

Re: ETF vs Mutual Fund? just noticed

No, you can't, actually -- you can exchange MF shares for ETF shares, but not the reverse.
by archbish99
Tue Jun 03, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: ETF vs Mutual Fund? just noticed
Replies: 5
Views: 588

Re: Can a dead woman take her RMD?

The agent authorization ends at death of the owner, so obviously it does not cover any actions in the owner's account after death. Also it does not cover logging onto the owner's account, dead or alive. The owner's funds appear in the agent's accounts list online, and permitted online activities ar...
by archbish99
Tue Jun 03, 2014 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can a dead woman take her RMD?
Replies: 47
Views: 3285

Re: Can a dead woman take her RMD?

Three years for mistakes; six years for fraud.
by archbish99
Tue Jun 03, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can a dead woman take her RMD?
Replies: 47
Views: 3285

Re: Upromise

Don't look at UPromise as a whole. Break it up into pieces. Some sub-pieces are competitive, others are not. You can pick and choose which of many UPromise services you use (and which you would rather use a competitive option for). Credit card: there's no signing bonus and the cashback isn't necess...
by archbish99
Sun Jun 01, 2014 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Upromise
Replies: 12
Views: 1829

Re: Upromise

We do pretty decently, first toward my wife's student loans, and now into a 529. You can also just get a check -- no actual requirement that it be used for education. We have the card (which incidentally has nothing to do with trying to get out of debt or not -- just pay it off monthly), and factor ...
by archbish99
Sun Jun 01, 2014 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Upromise
Replies: 12
Views: 1829

Re: What's the deal with the all the different prices for ET

Just like stocks, Bid is the highest currently-active buy (limit) order, and Ask is the lowest currently-active sell (limit) order. The nominal price is the last price at which a trade actually executed, meaning that two parties agreed on a price. The mechanics of ETFs usually mean that these should...
by archbish99
Sun Jun 01, 2014 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: What's the deal with the all the different prices for ETFs?
Replies: 9
Views: 725

Re: Who are the BogleHeads.org heavyweights?

schuyler14 wrote - Now I have a question -- where is YDNAL? The search page (http://www.bogleheads.org/forum/memberlist.php?mode=viewprofile&u=1626) says this user has 13336 posts at 5.11 posts per day, but none since May 4. Should we be worried? Considering the anonymity of a forum like this, ...
by archbish99
Sun Jun 01, 2014 9:57 am
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 8804
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