Search found 1669 matches

by cherijoh
Sat Jul 04, 2015 7:00 am
Forum: Investing - Help with Personal Investments
Topic: As a target retirement fund investor, should I substitute Admiral Funds for Investor Shares?
Replies: 24
Views: 1656

Re: As a target retirement fund investor, should I substitute Admiral Funds for Investor Shares?

Only you can decide whether saving the difference in expenses is worth the effort of keeping up with the individual parts. Many people choose a static allocation once they reach retirement, in which case they don't need to worry about a glide path, only periodic rebalancing. Keep in mind that people...
by cherijoh
Fri Jul 03, 2015 10:13 am
Forum: Personal Finance (Not Investing)
Topic: financial adviser told me not to invest too much in 401k
Replies: 84
Views: 5815

Re: financial adviser told me not to invest too much in 401k

Nah, the "adviser" is just setting you up for some other product with a high commission. Why the focus on age 65? Maybe you want to retire earlier. In that case you'd start withdrawing from your 401(k) earlier. Delaying Social Security to age 70 gives you ample time to withdraw from your ...
by cherijoh
Thu Jul 02, 2015 4:47 am
Forum: Investing - Help with Personal Investments
Topic: Is a large emergency fund needed after 59 1/2
Replies: 25
Views: 2752

Re: Is a large emergency fund needed after 59 1/2

My wife and I are both 68. I'm retired; she is not (her choice, as she loves her job). We have a "cash stash", but don't really consider it an "emergency fund". It's money we can tap without tax consequences or guilt, and depends not on the ups-and-downs of stock or bond funds. ...
by cherijoh
Thu Jul 02, 2015 4:39 am
Forum: Investing - Help with Personal Investments
Topic: Is a large emergency fund needed after 59 1/2
Replies: 25
Views: 2752

Re: Is a large emergency fund needed after 59 1/2

Retired and drawing down taxable, we are deferring SS to 70. In the meantime, the drawdown means holding substantial cash -- online savings and a CD. Note that this cash/CD is counted as part of the fixed income allocation. I'm just not taking risk with it, and the taxable return of about 1% is dis...
by cherijoh
Tue Jun 30, 2015 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Intentional 401k overcontribution to get new employer match
Replies: 31
Views: 1546

Re: Intentional 401k overcontribution to get new employer match

Why would they laugh at the request? 1. Because they know it was not an excess deferral when the money was being contributed. 2. Because they can. Also because your fiancé is a FORMER employee - so why should they go out of their way to do something they have no obligation to do? As Livesoft pointe...
by cherijoh
Tue Jun 30, 2015 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Intentional 401k overcontribution to get new employer match
Replies: 31
Views: 1546

Re: Intentional 401k overcontribution to get new employer match

Why would they laugh at the request? 1. Because they know it was not an excess deferral when the money was being contributed. 2. Because they can. Also because your fiancé is a FORMER employee - so why should they go out of their way to do something they have no obligation to do? As Livesoft pointe...
by cherijoh
Mon Jun 29, 2015 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Untouched 1980s fund - Seems Cost Basis = Market Value!?
Replies: 9
Views: 1058

Re: Untouched 1980s fund - Seems Cost Basis = Market Value!?

The phenomenon reported here in not a phenomenon, it is just the way things work If you buy a mutual fund with a 20% turnover, about average, and you pay your taxes on all dividends and capital gains, your cost basis is the NAV of the fund on Dec 31 of the previous year. In the beginning of the 5 y...
by cherijoh
Mon Jun 29, 2015 5:37 am
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 54
Views: 4994

Re: Lucent offering pension buyout to retirees: what to do?

This thread may be of interest to your brother-in-law..
by cherijoh
Sun Jun 28, 2015 9:36 am
Forum: Personal Consumer Issues
Topic: can you recommend comfortable walking shoes?
Replies: 47
Views: 3657

Re: can you recommend comfortable walking shoes?

So I wanted to ask you your opinion. What walking shoes would you recommend. I can wear a woman's wide or men's regular and ideally I want a shoe that has the fluffy air cushioning though now I am open to other possibilities as long as the shoe is comfortable and well cushioned. I'm willing to hear...
by cherijoh
Sun Jun 28, 2015 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Should I borrow if I can buy a house with cash?
Replies: 27
Views: 3496

Re: Should I borrow if I can buy a house with cash?

I'm interested in buying property to rent it out. I have about $350K available. Here's a thing that's been confusing me. All of the real estate investment advice I've seen so far assumes you're going to take out a loan. I keep running across the phrase "other peoples' money." But suppose ...
by cherijoh
Sun Jun 28, 2015 6:45 am
Forum: Investing - Theory, News & General
Topic: Traveling to Santorini in September....
Replies: 14
Views: 1360

Re: Traveling to Santorini in September....

You should be able to arrange to get Euros before you leave the US. You can order from your bank or AAA (if you are a member). I would consider getting sufficient cash before you leave and keep the extra (beyond what you need for the day) in a room safe or money belt for safety. This will likely cos...
by cherijoh
Fri Jun 26, 2015 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Condo - HOA Rules for Leasing
Replies: 27
Views: 2111

Re: Condo - HOA Rules for Leasing

Thanks for the input guys. Although the language seems somewhat ambiguous I suspect the intent is to prevent arrangements where entire multiple families may populate a single unit such as in some areas where low income families have to share homes for financial reasons. That makes more sense for ha...
by cherijoh
Fri Jun 26, 2015 6:36 am
Forum: Personal Consumer Issues
Topic: FatWin and Dealer "Challenge"
Replies: 6
Views: 649

Re: FatWin and Dealer "Challenge"

On a trip to Italy last year I met a couple of Canadians. The husband had bought a car and was enrolled in a sweepstake for a trip (actually a large credit with a local travel agent). He was called sometime later and told that he had won. LOL - he had forgotten all about the sweepstake! His wife men...
by cherijoh
Fri Jun 26, 2015 6:23 am
Forum: Personal Consumer Issues
Topic: Scotland / Ireland Castles?
Replies: 19
Views: 1613

Re: Scotland / Ireland Castles?

Great photos Killjoy! Now I want to go Scotland. :happy Actually it has been on my bucket list, as I have already visited England, Ireland and Wales. On a prior trip to England, we stayed near Hadrian's wall at a Georgian Manor house that had been converted to a small luxury hotel. In addition to th...
by cherijoh
Thu Jun 25, 2015 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Fund Before Dividend Distribution & Buying it Right Back to Avoid Withholding Tax
Replies: 16
Views: 2436

Re: Selling Fund Before Dividend Distribution & Buying it Right Back to Avoid Withholding Tax

Found the announcement here: https://personal.vanguard.com/us/insights/article/fund-announcement-03022015 Too bad :( I could still do 4 trades a year, but I guess the spread costs will make this less profitable. How much % can I expect to lose on the spread when selling and buying back this fund? I...
by cherijoh
Wed Jun 24, 2015 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 16803

Re: Is it worth aspiring to get more?

I have found myself in a fortunate and interesting position. Between SS, small pension and my portfolio I will most certainly live the rest of my life in a style that would be considered very comfortable to the vast majority of Americans. But I am still in my mid-50s and started contracting 2 years...
by cherijoh
Wed Jun 24, 2015 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Landlording Tips
Replies: 33
Views: 4660

Re: Landlording Tips

(7) Know your local laws. NOLO is a great resources. (8) Know the tax laws. NOLO, again, is a great resource. (9) Have a rock solid lease that requires renter's insurance and no additional tenants including short term sublets like Airbnb. Spell out specific consequences for each violation of the le...
by cherijoh
Mon Jun 22, 2015 6:25 am
Forum: Personal Finance (Not Investing)
Topic: My funds are frozen
Replies: 25
Views: 4637

Re: My funds are frozen

I don't think the OP has come clean with all pertinent information. Here is a previous thread: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=131340 What information am I withholding? If you have a theory, feel free to post it. There are actually no dots to connect here but I'm not sure w...
by cherijoh
Sun Jun 21, 2015 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Rental property equity vs Mutual funds
Replies: 12
Views: 1874

Re: Rental property equity vs Mutual funds

2. If I sell mutual funds worth 80K, I am easily paying capital gains of ~20K. I already sold my muni funds and OAKBX that were in taxable that have low gains. The funds lefts are POAGX (appreciated considerably over the past years), VDIGX (this fund did well too) and a bit of VTSAX that I bought w...
by cherijoh
Sun Jun 21, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: How much emphasis should I put on car reviews?
Replies: 30
Views: 3344

Re: How much emphasis should I put on car reviews?

I'm not a big "car guy" - I like cost efficient, fuel efficient and reliable cars that I can drive into the ground. My 2002 Honda Civic is spending more time in the repair shop as of late so I am starting to look around. I test drove a few today, and found a good deal on a used 2015 Chrys...
by cherijoh
Sun Jun 21, 2015 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Help with restructuring and new purchases
Replies: 7
Views: 649

Re: Help with restructuring and new purchases

I’m considering restructuring my investments and adding some additional funds. I’d like some constructive input. BACKGROUND: I am in my early 40’s, single with one child. He recently graduated from college. I paid for his education while he attended school. Now that he’s done I have extra to save /...
by cherijoh
Sun Jun 21, 2015 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 16803

Re: Is it worth aspiring to get more?

I have found myself in a fortunate and interesting position. Between SS, small pension and my portfolio I will most certainly live the rest of my life in a style that would be considered very comfortable to the vast majority of Americans. But I am still in my mid-50s and started contracting 2 years...
by cherijoh
Sun Jun 21, 2015 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Is Private Banking ever useful for simple Bogleheads
Replies: 35
Views: 4081

Re: Is Private Banking ever useful for simple Bogleheads

Private "X" is not created equal. Private banking/private client/private relationship etc... is not Private Bank (which is the real deal). In general, you've never heard of the firms that are real Private Banks (except Goldman and a few other of the biggest investment banks). Chase Privat...
by cherijoh
Sat Jun 20, 2015 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Excess 401k Contributions
Replies: 2
Views: 444

Re: Excess 401k Contributions

Lots of times something may be allowed by the IRS, but they don't compel employer plans to offer the feature. IMO this would definitely fall into that category IF it is even allowed. I would expect any provisions in the law would have the excess contributions coming out of the contributions to your ...
by cherijoh
Sat Jun 20, 2015 6:52 am
Forum: Investing - Help with Personal Investments
Topic: 15% of income to invest question
Replies: 25
Views: 2818

Re: 15% of income to invest question

. That really makes sense. We are at 14% right now not counting the match(my goal is to get up to 20% in a year without counting the match-I think this is doable). I guess a second question to ask is: since my 403b options are so bad would it be best to put the increased contributions into a bad 403...
by cherijoh
Fri Jun 19, 2015 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: 15% of income to invest question
Replies: 25
Views: 2818

Re: 15% of income to invest question

I do not include the company match when calculating MY savings rate. This is for 2 reasons: 1) company matches are subject to change - a number of companies either cut back in tough times OR tie match to company profitability. Do you want to monkey around with what you put in if the company changes ...
by cherijoh
Thu Jun 18, 2015 5:43 am
Forum: Personal Finance (Not Investing)
Topic: Getting a spousal inherited IRA started - trouble with the bank
Replies: 41
Views: 3841

Re: Getting a spousal inherited IRA started - trouble with the bank

The IRS is very picky about terminology. I think transfers may be interpreted as a trustee-to-trustee transfer i.e., when you move it to a different custodian. Here's what Pub 590a says: If you inherit a traditional IRA from your spouse, you generally have the following three choices. You can: 1.Tr...
by cherijoh
Thu Jun 18, 2015 5:36 am
Forum: Investing - Help with Personal Investments
Topic: AA if uncertain of job stability in next 10 years
Replies: 12
Views: 1192

Re: AA if uncertain of job stability in next 10 years

TOTAL TAXABLE ------------------------- 05% Individual Stocks (speculative, process of liquidating all positions through 2015-2016 Q1) 10% Real Estate What is the real estate you have listed in Taxable? Is it rental property you own or a Real Estate Investment Trust (REIT)? Rental real estate shoul...
by cherijoh
Wed Jun 17, 2015 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Getting a spousal inherited IRA started - trouble with the bank
Replies: 41
Views: 3841

Re: Getting a spousal inherited IRA started - trouble with the bank

My mom inherited my dad's IRA which was at Vanguard. As I recall, she submitted some paperwork and a copy of the death certificate and she took ownership of the IRA. It was very simple. Are you sure that a beneficiary was named for the IRA? It may be more complicated if there is no named beneficiar...
by cherijoh
Tue Jun 16, 2015 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA - Possible in my situation?
Replies: 19
Views: 1999

Re: Back Door Roth IRA - Possible in my situation?

Even though we don't live or work in the US anymore, our combined income this year will be over the $181K limit for during regular roth IRA contributions. Are you working for an American company overseas? Otherwise can you even contribute to a Roth IRA? Hmm...never considered that. Can you only con...
by cherijoh
Tue Jun 16, 2015 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a spousal inherited IRA started - trouble with the bank
Replies: 41
Views: 3841

Re: Getting a spousal inherited IRA started - trouble with the bank

(1) Do you have a copy of the beneficiary designation signed by the decedent? If so, that would help tremendously. (2) Go above the head of whomever you are dealing with. (3) Check the bank's IRA agreement to see if there is some silly waiting period. (4) Yes, IME, presenting the death certificate ...
by cherijoh
Tue Jun 16, 2015 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a spousal inherited IRA started - trouble with the bank
Replies: 41
Views: 3841

Re: Getting a spousal inherited IRA started - trouble with the bank

Hello, I'm hoping to get guidance on getting an IRA transferred to a surviving spouse. Here is some relevant background: - Deceased is one parent - State is California - Estate is large -- too large for California's "small estate affadavit" - (Most assets are in a revocable living trust) ...
by cherijoh
Sun Jun 14, 2015 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: tIRA's RMDs causing increasing tax concerns
Replies: 62
Views: 7250

Re: tIRA's RMDs causing increasing tax concerns

Thanks for the advice. I want to retire in about 2 years time and I want simplicity even if I forego a few dollars. I have lots of options in my 401K such as a Roth, after-tax to do a backdoor Roth. Part of the problem with contributing to a Roth in my 401K is that there is a 5-year time limit befo...
by cherijoh
Sun Jun 14, 2015 4:20 pm
Forum: Personal Consumer Issues
Topic: Best European Cities for families, the outdoors and cycling
Replies: 58
Views: 5198

Re: Best European Cities for families, the outdoors and cycling

My family has thought about moving to Europe for a bit, possibly 6 - 24 months. My ideal place would be: - lots to do outdoors (I love the mountains, lakes & ocean, being able to bike places) - great weather, i don't mind the heat, but don't like the rain or extreme cold - easy to get around by...
by cherijoh
Sun Jun 14, 2015 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Through Retirement Years.
Replies: 22
Views: 3868

Re: a few VANGUARD funds & Investing Through my Retirement Years.

Thanks! Social Security....the thinking IS to take the early payout (13-$1400 est.)and enjoy the simplified lifestyle with less expense. It could even allow some additional investment dollars to contribute to an IRA until age 70. Who knows, but the risk s seem/feel/appear much higher that we get &q...
by cherijoh
Sun Jun 14, 2015 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA - Possible in my situation?
Replies: 19
Views: 1999

Re: Back Door Roth IRA - Possible in my situation?

rickatbh wrote:Even though we don't live or work in the US anymore, our combined income this year will be over the $181K limit for during regular roth IRA contributions.


Are you working for an American company overseas? Otherwise can you even contribute to a Roth IRA?
by cherijoh
Sun Jun 14, 2015 1:07 pm
Forum: Investing - Theory, News & General
Topic: Why High Equity Allocation in Retirement
Replies: 78
Views: 9748

Re: Why High Equity Allocation in Retirement

It appears to me from reading the forum that the majority of posters believe that it is best to have significant percent of portfolio in equities even in retirement. Recently I have read a number of comments critical of Vanguards Target Retirement Income Fund that only has 30% equities. The critici...
by cherijoh
Sun Jun 14, 2015 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Having trouble re-balancing between
Replies: 9
Views: 799

Re: Having trouble re-balancing between

I'm 32 years old. My portfolio is currently heavily weighted towards stock index funds, and after educating myself more on the bogleheads philosophy, I want to diversify into bonds and international funds. One of the options discussed in the earlier thread was that I should consider my portfolio ac...
by cherijoh
Sun Jun 14, 2015 8:33 am
Forum: Investing - Help with Personal Investments
Topic: IRA contribution question
Replies: 3
Views: 454

Re: IRA contribution question

See this link to determine if you are "covered" by a retirement plan.

Here is a link showing the 2015 contribution limits if you are covered by a plan.
by cherijoh
Sun Jun 14, 2015 8:05 am
Forum: Personal Consumer Issues
Topic: Dilemma Selling and Buying House
Replies: 19
Views: 2125

Re: Dilemma Selling and Buying House

I might be somewhat reluctant to tell the agent that you were going to take your time buying, least the agent assume that you will be one of those people who burns up their time but never buys anything. Got it but what, in your opinion should I tell them? I feel I need to just be upfront. Negotiate...
by cherijoh
Sun Jun 14, 2015 7:47 am
Forum: Personal Consumer Issues
Topic: New Irrigation System - Optimal Setup
Replies: 12
Views: 1254

Re: New Irrigation System - Optimal Setup

My yard guy has me watering for a short period daily when they plant new seed. The rest of the time I water twice per week for a longer period of time. I generally water early in the morning. Watering in the heat day means lots of evaporation and watering in the evening can lead to a brown spot fung...
by cherijoh
Sun Jun 14, 2015 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Anyone have multiple IRAs through different brokerage firms?
Replies: 25
Views: 2001

Re: Anyone have multiple IRAs through different brokerage firms?

I have a Roth IRA with Vanguard that I max out every year. I'm looking to open one up for the wife and max hers out but was wondering if it would make sense to use Fidelity for hers. Reason being, I would put her money towards different funds rather than the ones that VG offers. I was thinking it w...
by cherijoh
Sat Jun 13, 2015 8:35 am
Forum: Personal Consumer Issues
Topic: comp time for weekend work/travel?
Replies: 22
Views: 1677

Re: comp time for weekend work/travel?

I have never traveled much for business but there was one time that I needed to be somewhere on Monday morning. Instead of flying on Sunday, I arraigned it so that I went there on Friday, during work hours. then I spent the weekend there playing tourist. I paid for my own hotel room Friday and Satu...
by cherijoh
Sat Jun 13, 2015 8:26 am
Forum: Personal Consumer Issues
Topic: comp time for weekend work/travel?
Replies: 22
Views: 1677

Re: comp time for weekend work/travel?

Does your company give you comp days if you have to travel or work out of town on weekends? Would you expect to get comp days, or would you just consider it part of your normal duties? I'll be in that situation soon (will lose 3 weekend days due to travel and required work out of town). I am salari...
by cherijoh
Fri Jun 12, 2015 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Dispute/Don't Pay Medical Bill
Replies: 45
Views: 3128

Re: Dispute/Don't Pay Medical Bill

I am a physician and would say .... Any procedure that is done to a patient should have a written consent documenting the risks, benefits, and alternative treatment options. It does not seem like he went through that with you let alone got written consent for such procedure... Also, if he did not g...
by cherijoh
Fri Jun 12, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Best place to purchase a summer hat
Replies: 26
Views: 2816

Re: Best place to purchase a summer hat

TravelSmith has this Panama hat that is packable and a little less cowboy-ish.
by cherijoh
Fri Jun 12, 2015 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is my tenant trying to scam their renter's insurance company? (Fire Damage)
Replies: 44
Views: 5035

Re: Is my tenant trying to scam their renter's insurance company? (Fire Damage)

As someone who is very sensitive to odor, I will tell you that just because you smell nothing, it doesn't mean your tenant is trying to pull a fast one. Several years ago, a bunch of my friends and I went to the beach for the weekend for a girls weekend. My roommate and I both woke up early in the m...
by cherijoh
Fri Jun 12, 2015 6:06 pm
Forum: Personal Consumer Issues
Topic: Do you telecommute?
Replies: 21
Views: 1959

Re: Do you telecommute?

How many of you non-retired folks telecommute some or all of your work week? How long have you been doing it for? I have been for a number of years, as have several colleagues, and it's very strange how every couple years, after some re-org or management change, there is a lingering threat that it ...
by cherijoh
Fri Jun 12, 2015 5:21 pm
Forum: Personal Consumer Issues
Topic: Banff & Jasper with 1.5-yr old daughter.
Replies: 23
Views: 3263

Re: Banff & Jasper with 1.5-yr old daughter.

When I was in Jasper a few years ago (in late May), I planned an excursion to Spirit Island on Maligne Lake, but the lake was still frozen over when we drove up from Jasper. :shock: We also found that it was snowing and there were snowdrifts when we took the Sky Tram . No big surprise that the park ...
by cherijoh
Fri Jun 12, 2015 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on 401k loan for home purchase?
Replies: 29
Views: 2370

Re: Thoughts on 401k loan for home purchase?

Long story short, my wife and I need to move and I don't wish to debate the reasons why. We found a couple townhome communities we really like with EXCELLENT schools and are seriously thinking about pulling the trigger. Here's the issue: We're short on cash, as a good chunk of our net worth is curr...

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