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Re: Keep My 50/50 AA -- but modify the pieces

Further question. Any thoughts on the intermediate-term bond fund (VBILX) as opposed to total bond market (VBTLX)? I thought intermediate term would be a bit more conservative but Morningstar puts it at it's highest risk level for bonds: Intermediate term: http://i59.tinypic.com/2ebsk2h.png Total bo...
by bertilak
Fri Oct 24, 2014 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1081

Re: Keep My 50/50 AA -- but modify the pieces

I think your idea is fine. I also think the other idea is fine, but you probably don't need the tax-managed fund if you are in the 15% bracket. I think the first idea might be a bit better when you get to RMDs. With most of the stocks in taxable and Roth and all of the bonds in tIRA, there would be...
by bertilak
Fri Oct 24, 2014 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1081

Re: Keep My 50/50 AA -- but modify the pieces

All,

Thanks for all the input. No decision yet. Still thinking but trying not to get stuck by "analysis paralysis!"
by bertilak
Fri Oct 24, 2014 6:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1081

Re: Keep My 50/50 AA -- but modify the pieces

Bertilak - I believe you are retired in the 15% tax bracket if I understand and recall your posts correctly. In a low tax bracket, tax efficiency is much less of a problem. Might I suggest just keep the same allocation (50/50) in each location and keep it even simpler? You could use tax managed bal...
by bertilak
Thu Oct 23, 2014 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1081

Re: Keep My 50/50 AA -- but modify the pieces

cfs wrote:I like the simplicity of your two-fund 50/50 plan. Good luck with your future investment decision.

Thanks. Simplicity is important to me.
by bertilak
Thu Oct 23, 2014 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1081

Re: Keep My 50/50 AA -- but modify the pieces

It would be great to start out this way, but if you are in a higher tax bracket, it could get expensive to sell off the W in taxable. I would turn off re-investing dividends, and maybe sell off whatever amount I choose to pay taxes on each year. I wouldn't wish for a crash but that would be a good ...
by bertilak
Thu Oct 23, 2014 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1081

Keep My 50/50 AA -- but modify the pieces

I am happy with my current 50/50 AA. It is built with a 50/50 Wellington/Wellesley portfolio. I have the Ws allocated across the three accounts to get the 50/50 AA. The portfolio is currently in three accounts, NAVs as follows, with Ws spread around to "fit" into the accounts. ⋅ ...
by bertilak
Thu Oct 23, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1081

Re: Electricity Adaptor for Europe

WHL wrote:This is the adapter I purchased for using my USA equipment in Germany: http://www.amazon.com/gp/product/B004SY ... UTF8&psc=1

I used that on a recent trip to Germany. I have no experience with other makes but the above worked just fine and I recommend it
by bertilak
Wed Oct 22, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Electricity Adaptor for Europe
Replies: 10
Views: 610

Re: Quicken/Vanguard Transaction Problems

I have had good luck with Quicken chat.
by bertilak
Wed Oct 22, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Quicken/Vanguard Transaction Problems
Replies: 5
Views: 496

Re: online shopping for laptop PC

I have been well-served by Newegg . None the less, it pays to shop around. Most any advice you get here will be out of date. Things change so fast in this world. New hardware keeps coming. Promotions come and go. Lenovo is a good, high quality, brand but I got a better deal from Frys than from the L...
by bertilak
Wed Oct 22, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: online shopping for laptop PC
Replies: 23
Views: 1266

Re: What Book Are You Currently Reading? Part VI

Do you think they are being intentionally insulting by referring to Woodrow Wilson as "Dr. Wilson" rather than "President Wilson?" Or do they think "Dr." trumps "President" as an honorific? If there is an opportunity to insult, the subtler the better, they (w...
by bertilak
Tue Oct 21, 2014 6:34 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 126
Views: 8697

Re: What Book Are You Currently Reading? Part VI

Curiosity got the better of me - plus I found a free Kindle download :) - and I re-read some of it and it was deja vu all over again - it's good but I couldn't finish it. I agree about sacrificing wit while unloading feelings and think this may explain the difficulty in finding a place on the "...
by bertilak
Tue Oct 21, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 126
Views: 8697

Re: What Book Are You Currently Reading? Part VI

... Finished the preface to The American Credo , by H. L. Mencken and George Jean Nathan, online at http://www.gutenberg.org/files/23858/23858-h/23858-h.htm , and have read about 200 of the articles of the "Credo" itself. I am completely baffled as to what to make of it. I just can't tell...
by bertilak
Tue Oct 21, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 126
Views: 8697

Re: What is the best way to sell guns and get the best price

I have several hunting guns that I no longer use or need. What is the best way to sell guns and get the best price? I have no special knowledge or experience in this but perhaps private sales at a gun show if the total value is high enough to justify whatever entrance fee there is. I have attended ...
by bertilak
Tue Oct 21, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 1089

Re: Employer Reimbursing Health Insurance Premiums - Taxable

From A posting in the SmartHR Manager Blog Accident, Health Premiums Paid by Retirement Plans Become Taxable in 2015 May 9, 2014 – 5:36 pm | By Jane Meacham Payments by qualified retirement plans for accident or health insurance will be taxable distributions to participants in most cases, starting w...
by bertilak
Tue Oct 21, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer Reimbursing Health Insurance Premiums - Taxable???
Replies: 12
Views: 613

Re: Borescope for inspecting dryer vents and AC ducts

For lint a borescope is overkill. But don't let that stop you from getting one! :sharebeer I used mine repeatedly this weekend to check out walls that I wanted to cut outlets into. I could see where all the wires were before cutting -- very reassuring! :o While our house was being built I took pict...
by bertilak
Sun Oct 19, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1330

Re: Quicken 2015 for Windows - Any reviews?

Please advise what in this "upgrade" has made you happy, just for me?! ;) ⋅ Mostly it isn't more broken than it is! :oops: I really was expecting more problems until I read a post above saying the upgrade went smoothly, and it did go better than the last time. ⋅ The ov...
by bertilak
Sun Oct 19, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 39
Views: 3633

Re: Quicken 2015 for Windows - Any reviews?

Two problems since my upgrade to 2015 (and now R3) a few days ago: ⋅ Cannot enter a note directly into a transaction in the register. You can type in the note but as soon as you hit enter or tab the text vanishes. To enter the note you must right click the transaction and select "note...
by bertilak
Sun Oct 19, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 39
Views: 3633

Re: [Confused with Medigap Options]

I was hell bent on getting issue age, but when I spoke with someone at BCBS over the phone, she couldn't figure out why I wouldn't go for attained age. I said because I don't want the price to go up every year, and she said the issue age plans go up every year anyway.. but by how much? Does it rese...
by bertilak
Fri Oct 17, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1781

Re: [Confused with Medigap Options]

You are right, mostly. I believe that $50 ER charge is eliminated if you are admitted. I can't foresee many ER visits that don't result in being admitted. I am? Right mostly? Funny, that's not what my b.f. keeps telling me most days :P Seriously, yes, there is no $50 co-pay if the ER trip results i...
by bertilak
Fri Oct 17, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1781

Re: Electric Razors

I tried using DE blades with shave cream for about 2-3 months. I could never get the hang of it after trying ~20 different blades, getting nicks almost every time, and I was never impressed with the closeness of the shave. Besides, it was a huge time sink. I don't need or want to shower immediately...
by bertilak
Fri Oct 17, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Electric Razors
Replies: 26
Views: 1865

Re: [Confused with Medigap Options]

If you are considering Plan F, take a look at Plan N. They are nearly identical and N is cheaper. There are a couple of things N does not cover. First, the yearly deductible ($147 right now) but that is made up by the premium savings very quickly. The other thing has to do with "excess charges...
by bertilak
Fri Oct 17, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1781

Re: Borescope for inspecting dryer vents and AC ducts

I understand the benefits of a TPO (Tool Purchase Opportunity) as well as anyone, but do you really need a borescope for dryer vents and HVAC ducts? Dryer vents need to be cleaned periodically, so just do it. You don't need to look at them. I have come to that same conclusion and am investigating t...
by bertilak
Fri Oct 17, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1330

Re: Is it possible to have a favorite movie

Erwin007 wrote:Yes, Fletch.

Man at door: I'm from the CIA.
Fletch: How do you spell that?
by bertilak
Fri Oct 17, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3113

Re: [Confused with Medigap Options]

If you are considering Plan F, take a look at Plan N. They are nearly identical and N is cheaper. There are a couple of things N does not cover. First, the yearly deductible ($147 right now) but that is made up by the premium savings very quickly. The other thing has to do with "excess charges&...
by bertilak
Fri Oct 17, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1781

Re: Investment Policy Statement - share your sample template

One thing I didn't notice in the above (may have skimmed too quickly!) ... You might consider looking at stages in your investment career. For example, before and after some major events: retirement (maybe the biggest) collecting SS (including age decision) marriage children entering or graduating f...
by bertilak
Fri Oct 17, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Investment Policy Statement - share your sample template?
Replies: 8
Views: 1239

Re: What Book Are You Currently Reading? Part VI

The Singing Sands by Josephine Tey. A mystery novel from 1953. This is a Novel with a male protagonist written by a woman. I find these interesting. Three examples: ⋅  The Secret History by Donna Tartt. I found this book strangely fascinating. I couldn't stop reading. But, this was mostly...
by bertilak
Wed Oct 15, 2014 10:14 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 126
Views: 8697

Re: Samsung or LG Washer and Dryers (reliability and repairs

I personally wouldn't go for a top of the line washer, as most of the features aren't really needed (I am yet to wish I could steam clean my clothes). However, the faster spin cycle is nice as it reduces the amount of water content left in the clothes. It is cheaper to spin dry your clothes than it...
by bertilak
Wed Oct 15, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Samsung or LG Washer and Dryers (reliability and repairs)
Replies: 23
Views: 863

Re: Samsung or LG Washer and Dryers (reliability and repairs

We've had Samsung front loaders for about a year. We like everything except the quietness and longness of the "song" when the load cycle is over. If you google something like "Samsung washer sings" you'll get several videos. Its a good 30 second jingle that we can't hear if we'r...
by bertilak
Wed Oct 15, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Samsung or LG Washer and Dryers (reliability and repairs)
Replies: 23
Views: 863

Re: investing in bear market

With the bear market likely here, and with allocations to stock % dropping, should I invest new monthly savings (not rebalancing money) into the market to bring up my allocation in stocks, or should i invest it per my desired allocation (60/40), and then just reblance yearly to make in 60/40? Go wi...
by bertilak
Wed Oct 15, 2014 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: investing in bear market
Replies: 29
Views: 2246

Re: Quicken 2015 for Windows - Any reviews?

Try one step update, hm, it seems to have changed my vault password to my quicken password, not so good, I wonder if that can be separated? Hm... ok, that seemed to finish in about the same amount of time as usual. The 2015 installation asked me a bunch of questions along the way, most of which I s...
by bertilak
Wed Oct 15, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 39
Views: 3633

Re: Electric Razors

Do today's electrics give you a BBS* shave? It has been many, many , years but I used to try new electrics every couple of years and never found one that worked to my satisfaction. They all just chopped the whickers down to a low stubble and were uncomfortable (a bit short of painful) to use. *BBS =...
by bertilak
Tue Oct 14, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Electric Razors
Replies: 26
Views: 1865

Re: Need dispensation to pay ROTH conversion taxes from tIRA

I think the conventional wisdom stems from the penalty. Since you are over 59.5 and would not have the penalty, I think this is an exception. I could be overlooking something, but I don't see a downside either. I think the conventional wisdom stems from preserving as much tax-advantaged space as po...
by bertilak
Tue Oct 14, 2014 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 790

Re: Question re: RMD

FinancialDave wrote:"Playing the odds" sounds like something to be done in Vegas, not with your retirement funds.

If you are invested, you are playing the odds, unless you found a risk-free investment.
by bertilak
Tue Oct 14, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question re: RMD
Replies: 19
Views: 1223

Re: Question re: RMD

Unless you can predict the future of the market I can't see how you could prove that Dec. is any better than Nov. or better than June or January. We all predict the future of the market -- it will go up. If we didn't believe this we wouldn't invest. (Well, except for dividends) To the extent we bel...
by bertilak
Tue Oct 14, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question re: RMD
Replies: 19
Views: 1223

Re: Quicken 2015 for Windows - Any reviews?

Either of you previously use 2014? I'm curious how the speed of '15 is compared to '14? I'm hoping its a little faster and doesn't hang as much when switching accounts and windows I upgraded from 2013 so have no experience with 2014. Unfortunately, 2015 seems slower than 2013. The slowness is, I th...
by bertilak
Tue Oct 14, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 39
Views: 3633

Re: Can anyone comment on mobile upgrades?

My husband and I use Q 2013 (Windows). The mobile features are just lousy, which is a problem, as he's on the road quite a bit. Can anyone who's bought Q 2015 comment specifically on the mobile features - do you find them easy to access, easy to find info/enter it on the go, simple interface on the...
by bertilak
Mon Oct 13, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 39
Views: 3633

Re: Roth IRA & Dollar Cost Averaging

If the are then not as nervous as they were to begin with they are being illogical.... They have managed themselves into the same risk they were trying to avoid.[ I certainly agree, but sometimes "illogical" has to be managed. I don't think our brains are correctly wired for this investin...
by bertilak
Mon Oct 13, 2014 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & Dollar Cost Averaging
Replies: 16
Views: 1173

Re: Roth IRA & Dollar Cost Averaging

Perhaps paycheck investing should be referred to as lump sum averaging (LSA) to cut down on the confusion. :) I call it a series of lump sum investments -- invest all you can as soon as you can whenever you can, at an appropriate AA. Put your money to work. Investors should manage risk via asset al...
by bertilak
Mon Oct 13, 2014 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & Dollar Cost Averaging
Replies: 16
Views: 1173

Re: Roth IRA & Dollar Cost Averaging

What is confusing is that many people call paycheck investing DCA and assume that since paycheck investing is a "good thing" (and I agree that it is) then actual DCA (staged shifting of wealth) must also be a good thing (and this neither I nor Constantinides agree with). The Constantinide...
by bertilak
Mon Oct 13, 2014 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & Dollar Cost Averaging
Replies: 16
Views: 1173

Re: Why choose a LifeStrategy Fund?

Can somebody please explain to me why anyone would purchase a LifeStrategy Fund. Because it gets the job done, and done well, with a minimum of fuss. The reason I don't understand why someone one is because it keeps a constant asset allocation. I mean the vast majority of investors are going to wan...
by bertilak
Mon Oct 13, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Why choose a LifeStrategy Fund?
Replies: 41
Views: 3504

Re: Just read All About Asset Allocation by Mr. Ferri.. Help

If I was paying someone else to manage my investments I would expect them to "do a Ferri" (or "do a Swedroe") and go for the maximum potential return -- earn that fee! When I am doing it myself, simplicity wins out. Not because I am lazy*, but as protection against future problem...
by bertilak
Mon Oct 13, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Just read All About Asset Allocation by Mr. Ferri.. Help!
Replies: 12
Views: 1347

Re: Critically Acclaimed Movies you did not like

Memento --handily. +1 for Memento . How it has a 92% on Rotten Tomatoes is beyond my comprehension. Loved the movie. Saw it on DVD. It is a movie that requires a LOT of viewer participation in the form of paying close attention and (ironically) having a good memory. I believe the unusual and convol...
by bertilak
Sun Oct 12, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8028

Re: Clothes Dryer drying very slowly

If it is heating up OK then it is almost certainly lint buildup, as others have suggested. You need to clear out the vent pipe and where it joins the machine. This would be a great opportunity for you to purchase a borescope, as you know every home fixit issue is an excuse to buy a tool. :D (It is ...
by bertilak
Sun Oct 12, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 1938

Borescope for inspecting dryer vents and AC ducts

ANother thread Clothes Dryer drying very slowly mentioned a borescope.

I would like to get one of those! Any recommendations?
by bertilak
Sun Oct 12, 2014 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1330

Re: Do you every turn your smart phone off?

Never turn mine off under normal circumstances. I have done so occasionally to attempt debug of problems. Not sure if that ever helped. My phone does have a "blocking mode" that I have set to not bug me for anything (no noises nor flashing lights) between 10pm and 6am. The times are config...
by bertilak
Sun Oct 12, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 1907

Re: Is Probate Required?

In Texas I had to "go through probate" on the death of my mother. Since she had a will it was just a matter of standing up in front of a judge and answering a few simple questions to show that you are named as the executor and are capable of and willing to do the job. Also trustworthy, I t...
by bertilak
Sun Oct 12, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Probate Required?
Replies: 9
Views: 848

Re: Roth IRA & Dollar Cost Averaging

If you can put in $6500 this year and $6500 in each succeeding year at about the same time, you are dollar cost averaging on an annual basis, if that makes you feel better. You are investing the same amount at a fixed time interval. Some people may quibble that this isn't "the definition of do...
by bertilak
Sun Oct 12, 2014 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & Dollar Cost Averaging
Replies: 16
Views: 1173

Re: Medicare Part B Premiums same for 2015

Part B premiums are based on government's prediction of what their exposure to next year's covered health costs will be. Madigap and MA premiums are based on private sector's prediction of what their exposure to next year's covered health care costs will be.. Well that adds up nicely. If medical co...
by bertilak
Sun Oct 12, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Medicare Part B Premiums same for 2015
Replies: 12
Views: 1082

Re: Worth investing every month vs once per year? Same total

I agree that it is important to keep control of your cash flow. Investing yearly instead of monthly is a very small price to pay to maintain that stability.

Of course the above should be qualified with "in general" as it assumes there are no other complicating (or even simplifying) factors.
by bertilak
Sat Oct 11, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Worth investing every month vs once per year? Same total $
Replies: 13
Views: 1768
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