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Re: Do you have a side job?

Yes. My primary job refuses to acknowledge my work off the clock, either via OT or comp time. I finally decided to stop being charitable and instead to get paid. :D
by bayview
Sat Mar 08, 2014 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a side job?
Replies: 59
Views: 6087

Re: 5 year rule when original Roth was closed

Thanks once again. :sharebeer
by bayview
Sat Mar 08, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: 5 year rule when original Roth was closed
Replies: 11
Views: 541

Re: Trading Authorization on Wife's Account?

Thanks to both of you for the clarifications. :happy
by bayview
Sat Mar 08, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Trading Authorization on Wife's Account?
Replies: 40
Views: 1527

Re: Trading Authorization on Wife's Account?

True. I was just speaking of IRA's, as that is what was addressed in the OP.

Employer plans are a whole different topic. I'm pretty sure that he could not be authorized to trade in my TSP (in the fantastically remote chance that he would want to.)
by bayview
Sat Mar 08, 2014 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: Trading Authorization on Wife's Account?
Replies: 40
Views: 1527

Re: 5 year rule when original Roth was closed

See also publication 590 Distributions of conversion and certain rollover con­tributions within 5­year period. If, within the 5-year period starting with the first day of your tax year in which you convert an amount from a traditional IRA or rollover an amount from a qualified retirement plan to a ...
by bayview
Sat Mar 08, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: 5 year rule when original Roth was closed
Replies: 11
Views: 541

Re: 5 year rule when original Roth was closed

Great, thank you for the interpretation into standard English!

I got a small case of goose bumps from having a reply from one of my favorite bloggers and authors. :beer
by bayview
Sat Mar 08, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: 5 year rule when original Roth was closed
Replies: 11
Views: 541

Re: Trading Authorization on Wife's Account?

I am authorized on my husband's account. We do NOT share usernames and passwords, partly because it would (might?) affect liability if an account were hacked, but mainly because we just can't remember any additional passwords. :D btw, it was quite a trust fall on my husband's part, as he completely ...
by bayview
Sat Mar 08, 2014 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: Trading Authorization on Wife's Account?
Replies: 40
Views: 1527

5 year rule when original Roth was closed

Hi all, I'm having no luck searching for this particular question, probably because I can't dream up good search terms to exclude noise: if someone had a Roth IRA, opened long ago, and then closed it, and then later started up a Roth IRA again, is the start date for the 5-year rule that of the origi...
by bayview
Sat Mar 08, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: 5 year rule when original Roth was closed
Replies: 11
Views: 541

Re: UPDATE: [physician, career options, life options]

Bayview, how do you get trained as an ICD 10 coder? Is becoming a coder a reasonable choice for an MD who wants to get out of clinical medicine? What kind of income and hours? Sorry for the late reply. :( This wasn't the most serious option that I could have posted, but it's definitely a possibilit...
by bayview
Wed Mar 05, 2014 11:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: UPDATE: [physician, career options, life options]
Replies: 89
Views: 8566

Re: UPDATE: [physician, career options, life options]

Off-the-wall suggestion: get certified as an AHIMA ICD-10 trainer. It would help if you were familiar with the intricacies of ICD-9, of course. :D My inbox is flooded with job openings for those who can review I-9 codes and translate them into I-10, especially providers like you. At least half the c...
by bayview
Sat Mar 01, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: UPDATE: [physician, career options, life options]
Replies: 89
Views: 8566

Re: Girl Scout Cookies - why not tax-deductible?

In a less frivolous vein, I was once a Service Unit (think a collection of troops, geographically defined) Cookie Manager. I vividly remember counting out over $10K cash on my living room couch from one day's worth of sales. While I never saw the stash of cash, my daughter's garage was filled to th...
by bayview
Sat Mar 01, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girl Scout Cookies - why not tax-deductible?
Replies: 25
Views: 2041

Re: Girl Scout Cookies - why not tax-deductible?

Don't mess with my Thin Mints! :wink: In a less frivolous vein, I was once a Service Unit (think a collection of troops, geographically defined) Cookie Manager. I vividly remember counting out over $10K cash on my living room couch from one day's worth of sales. Any trained drug dog would have hit o...
by bayview
Sat Mar 01, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girl Scout Cookies - why not tax-deductible?
Replies: 25
Views: 2041

Re: IRA withdrawals to avoid taxes on large RMD

I agree with sscritic on both counts. :D

Welcome to the forums, cdbma.
by bayview
Fri Feb 28, 2014 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA withdrawals to avoid taxes on large RMD
Replies: 31
Views: 3019

Re: Which investment would you choose?

Several OT comments have been edited or deleted. If any member feels that a topic or post is inappropriate in some way, please click the exclamation point icon above on the right to file a report so that a moderator can review. In the meantime, please adhere to forum policies , including this: We e...
by bayview
Tue Jan 21, 2014 10:38 am
 
Forum: Investing - Theory, News & General
Topic: Which investment would you choose?
Replies: 21
Views: 2257

Re: Having Enough, but Hungry for More (Bogle quote)

Locked to redirect readers to other thread: Having Enough, but Hungry for More

mod bayview
by bayview
Sun Jan 19, 2014 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Having Enough, but Hungry for More (Bogle quote)
Replies: 2
Views: 474

Re: Have you invested in an SPIA?

After further discussion, the thread is unlocked, as the OP is continuing to receive useful feedback.

moderator bayview
by bayview
Sun Jan 19, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have you invested in an SPIA?
Replies: 57
Views: 2536

Re: Have you invested in an SPIA?

Several OT comments have been removed.

As the OP posted above, her questions have been answered, and this topic appears to have run its course, so the thread is now locked.

mod bayview
by bayview
Sun Jan 19, 2014 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have you invested in an SPIA?
Replies: 57
Views: 2536

Re: Who Invests 100% in Passive Index Funds/ETFs

93% in passive index funds, 7% in VG short-term and intermediate-term investment grade funds, which aren't index, but they're on file and forget (= passive.)
by bayview
Sat Jan 18, 2014 11:24 pm
 
Forum: Investing - Theory, News & General
Topic: Who Invests 100% in Passive Index Funds/ETFs
Replies: 79
Views: 5945

Re: Welcome to our new forum moderator - bayview

Thanks, everyone! I'm delighted to be here, because of the great atmosphere of civility. It's a pleasure to serve grown-ups who act like grown-ups! :D One thing that caught my eye about these forums when I first discovered them several years ago is that the members self-moderate, and that makes all ...
by bayview
Fri Jan 17, 2014 12:15 pm
 
Forum: Forum Issues and Administration
Topic: Welcome to our new forum moderator - bayview
Replies: 27
Views: 2074

Re: Is living without credit cards a dangerous idea?

Good decision. Keeping that AmEx open will help you when the time comes to apply for a mortgage. Lenders get nervous when they don't see much (or any) credit history, because it means you have no track record from which they can predict your future risk of default. It will also hurt your scores, as ...
by bayview
Thu Jan 16, 2014 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Is living without credit cards a dangerous idea?
Replies: 66
Views: 3110

Re: SS spousal benefits while still working?

Thanks to both of you! I probably shouldn't have mentioned the pension; it was distracting. I suppose I was mentally running through future known income streams. I simply didn't realize that one could collect spousal benefits while the spouse was still working. (I knew I could collect my own if I wa...
by bayview
Wed Jan 15, 2014 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: SS spousal benefits while still working?
Replies: 3
Views: 385

SS spousal benefits while still working?

* I've read through the various articles in the Social Security wiki that still exist and don't require payment (I don't like paying for something, not knowing if it is what I'm actually looking for), plus I've poked around on the Social Security website and done Googling. All this has done is confu...
by bayview
Wed Jan 15, 2014 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: SS spousal benefits while still working?
Replies: 3
Views: 385

Re: Increase in the threshold for tax brackets

stock price /Mutual fund NAV is down 50% and I DON't have to sell. If you have a moderately conservative portfolio with a mix of bonds and stocks, you wouldn't be selling when prices are down, you'd be buying. Most people should have been buying in 2008/09. Very high/100% stock portfolios are of co...
by bayview
Tue Jan 14, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Increase in the threshold for tax brackets
Replies: 26
Views: 1606

Re: I want to stay the course but....

Yes I have a horrible mentality when it comes to loses. I have a very bad habit of reading all the articles in Market Watch, Morningstar, CNN Money and all they do every day is scream at the people who own Intermediate bonds to sell, sell, sell NOW. The bond market will be horrifying for the next 1...
by bayview
Mon Jan 13, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: I want to stay the course but....
Replies: 34
Views: 3721

Re: Best choice for 100% Stocks?

- DCA during any and every market condition If you DCA then you aren't 100% stocks since you're holding cash. Well, unless you DCA via paycheck contributions, like so many of us do. I grimly stayed the course through most of 2008-09, even going to 100% equities in new contributions for a while. (Gl...
by bayview
Fri Jan 10, 2014 1:13 am
 
Forum: Investing - Theory, News & General
Topic: Best choice for 100% Stocks?
Replies: 48
Views: 4769

Re: "Should You Count Social Security as a Bond?"

I don't consider it as a bond. I consider it as social security. This question is kind of silly IMO, because we've always (in most of our lifetimes, anyhow) known it's going to be there to some extent, and SS was already considered to be there when we chose our AA in the first place. Now, if SS was...
by bayview
Thu Jan 09, 2014 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: "Should You Count Social Security as a Bond?"
Replies: 75
Views: 3234

Re: Is this portfolio aggressive or conservative?

...All I really want to know is whether my portfolio as stands is aggressive, or whether it is actually conservative. One needs to know at least that much to make sensible decisions, and realistically, I don't. If the former I would stick with 50/50 and rebalance. If the latter I would adjust my AA...
by bayview
Mon Jan 06, 2014 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Is this portfolio aggressive or conservative?
Replies: 38
Views: 3021

Re: Do you invest in a taxable account?

So far I'm the only "no" response. Don't max out all tax advantaged accounts yet. We must have taken the poll at the same time. :D We don't invest in taxable accounts, because we don't have the extra cash. If we did (windfall/inheritance, etc.), we would, after maximizing the others first.
by bayview
Sun Jan 05, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7535

Re: Is this portfolio aggressive or conservative?

...All I really want to know is whether my portfolio as stands is aggressive, or whether it is actually conservative. One needs to know at least that much to make sensible decisions, and realistically, I don't. If the former I would stick with 50/50 and rebalance. If the latter I would adjust my AA...
by bayview
Sun Jan 05, 2014 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: Is this portfolio aggressive or conservative?
Replies: 38
Views: 3021

Re: Buy VS Rent as a factor in Asset Allocation

I think youre over emphasizing the significance of buy vs rent when considering your AA. Just pick an AA that works for you now, and rebalance if and when your situation changes. It doesn't work that way. If I experience 50% loss, "rebalancing" is another word of bailing out of stocks and...
by bayview
Fri Jan 03, 2014 8:17 am
 
Forum: Investing - Theory, News & General
Topic: Buy VS Rent as a factor in Asset Allocation
Replies: 26
Views: 1493

Re: [Why did my fund suddenly drop in value?]

. This is not about stickies, if you ask me. BTW, this thread is a real mess! That said, regardless of the level of experience, a buyer should know what they buy. ⋅ For mutual funds/ETFs, certainly know most basic things such as how much it costs to own, underlying holdings, distributions...
by bayview
Thu Jan 02, 2014 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 84
Views: 7150

Re: IMPORTANT INFO re: Penfed's IRA certificate policy

For what it's worth (probably not much, lol :D ), the varied responses people are getting are not uncommon experiences with PenFed in other areas (credit cards, car loans, etc.) Some people hit gold on their phone calls, getting clear, consistent, and accurate info every time, while others seem to w...
by bayview
Thu Jan 02, 2014 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Penfed IRA CD partial withdrawal penaties
Replies: 67
Views: 2313

Re: [Why did my fund suddenly drop in value?]

I don't think a sticky will stop people who can't be bothered to read what came before them from posting the same old "why did my fund drop?" The best we can hope for is a huge market drop on the day of the distribution so that most of these people won't even notice that their funds dropp...
by bayview
Thu Jan 02, 2014 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 84
Views: 7150

Re: Thoughts on mortgage as a negative bond

Interesting insight; thank you! I certainly see what you're saying about quantifying risk. I'd be a ton more nervous if I had a $500K house, but in fact, we could cover the monthly $815 PITI on our much more modest home indefinitely through other funds. In most areas of our lives (certainly not all)...
by bayview
Wed Jan 01, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on mortgage as a negative bond
Replies: 53
Views: 3718

Re: [Why did my fund suddenly drop in value?]

I don't know if there's such a thing as a periodic sticky, but if so, it could be useful to sticky this thread the day before dividends in popular funds hit.
by bayview
Wed Jan 01, 2014 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 84
Views: 7150

Re: Who is lump-summing a fund on January 2, 2014?

gkaplan wrote:I cannot do this until I get the leave pay I had accrued when I retire January 11. I'm not sure what the figure will be, and I want to be certain that my 2013 W-2 does not reflect this amount.

Congratulations on your upcoming escape. :beer
by bayview
Wed Jan 01, 2014 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: Who is lump-summing a fund on January 2, 2014?
Replies: 49
Views: 4445

Re: Thoughts on mortgage as a negative bond

There is a distinction between the homeownership situation and the mortgage in isolation. The difference between renting and owning a home with a mortgage is complicated because it has multiple effects. But the difference between owning a paid-off home and owning a home with a mortgage is just the ...
by bayview
Wed Jan 01, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on mortgage as a negative bond
Replies: 53
Views: 3718

Re: Thoughts on mortgage as a negative bond

But if I sign a lease to rent a home, it is a liability requiring payment of a fixed amount on a future date. So is a lease a negative bond? No, because you are not paying off a loan when leasing or renting. You did not make an agreement to pay anyone back the money you borrowed. I have car and (no...
by bayview
Wed Jan 01, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on mortgage as a negative bond
Replies: 53
Views: 3718

Re: Thoughts on mortgage as a negative bond

In my case, the housing cost will stay constant and go down versus market level rental. Then, how should I treat this mortgage?? I put 20% down. So, I have equity in this house. At this moment, I do not consider the house as asset or liability at all. Please enlighten me... If you are trying to wor...
by bayview
Tue Dec 31, 2013 10:11 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on mortgage as a negative bond
Replies: 53
Views: 3718

Re: Fed Employee; TSP vs Vanguard Roth IRA Allocation Strate

I appreciate the well thought out responses. I'll continue to do some more research before I make any major switch-ups, but Hoppy, your recommendations are excellent. I've enjoyed the "Completely lazy target retirement index" strategy so far, but it might just be time to make some minor t...
by bayview
Mon Dec 30, 2013 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed Employee; TSP vs Vanguard Roth IRA Allocation Strategies
Replies: 7
Views: 722

Re: I think low cost of living trumps retiring in a no state

I am going to end all tax debates about living from state to state here. According to the Tax Foundation, http://taxfoundation.org/article/state-and-local-tax-burdens-all-states-one-year-1977-2010 most states tax about 8 to 10 percent of the income of it's citizens. That's a pretty narrow range. Ar...
by bayview
Sat Dec 28, 2013 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: I think low cost of living trumps retiring in a no state in
Replies: 80
Views: 5366

Re: What size portfolio are you managing Bogle style?

MassInvestor wrote:4 figures for the win. But hey, I just started.

+1
by bayview
Fri Dec 27, 2013 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: What size portfolio are you managing Bogle style?
Replies: 48
Views: 4103

Re: What size portfolio are you managing Bogle style?

I wish the poll had broken out 6 figures. There's a ton of difference between $100,000 and $999,999. I suppose the same could be said for the 7 figure part as well, but since I'm solidly in the 6 figure club with little or not expectation of getting into 7 figures, it's not that interesting to me. :...
by bayview
Fri Dec 27, 2013 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: What size portfolio are you managing Bogle style?
Replies: 48
Views: 4103

Re: Govt TSP

* bump * Welcome to the forum. :happy I think that you would get more responses if you would use the requested standard format for asking portfolio questions: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 I'm a TSP'er (federal employee), and the proportion that I usually see for C:S i...
by bayview
Fri Dec 27, 2013 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Govt TSP
Replies: 3
Views: 777

Re: Women Better Investors Than Men?

My anecdotal experience certainly corroborates the notion that women tend to do better than male investors. Livesoft, Laura and the Victorias are easy examples that come to mind from this forum, though there are many more. And there's another investor that adds to the notion in the most mysterious ...
by bayview
Fri Dec 27, 2013 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: Women Better Investors Than Men?
Replies: 69
Views: 3288

Re: Amount of Net Worth in Real Estate

^ ^ Thanks to both of you. I should have paid more attention to the wording.
by bayview
Thu Dec 26, 2013 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Amount of Net Worth in Real Estate
Replies: 31
Views: 2833

Re: Amount of Net Worth in Real Estate

If you are looking at real estate as part of your portfolio (above and beyond whatever is part of various total indexes), I don't understand why you are excluding REIT's. We own an investment property rather than REIT's simply because DH prefers assets that he can see and touch (and paint and mow an...
by bayview
Thu Dec 26, 2013 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Amount of Net Worth in Real Estate
Replies: 31
Views: 2833

Re: Totally New to BogleStyle after firing adviser. Please h

The bond allocation seems to be where I'm getting the most concern from folks - I thank everyone for mentioning it. I have to give it a good think. I know I may be wrong, but I tend to think that the last thing I would do in a down market is sell. I didn't do so in 2008, or in the 2000 Internet bub...
by bayview
Tue Dec 24, 2013 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Totally New to BogleStyle after firing adviser. Please help!
Replies: 27
Views: 2772

Re: Celebrating the small financial victories....

...I felt like giving a little "woo" when the Net Worth column in my spreadsheet stabilized in the black instead of waffling back and forth across the $0 point a couple of months ago. So I thought I would share that little victory, and invite others to share their little financial victori...
by bayview
Tue Dec 24, 2013 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Celebrating the small financial victories....
Replies: 42
Views: 3921
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