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Re: AA for child with 100k in irrevocable trust

Hi All, I realized I should be looking at the SEC Yield not the TTM Yield, so here is the revised info. It seems the yields are close enough with a similar duration, so why not use the tax free bond funds? With the short term the yield seems even higher. I want some portion of bond funds in order t...
by colejr
Tue May 07, 2013 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA for child with 100k in irrevocable trust
Replies: 10
Views: 843

Re: AA for child with 100k in irrevocable trust

Is it safe to assume you are trustee for the trust? And that the trust documents allow earnings to be retained? Trust tax rates are very compressed, including on capital gains and qualified dividends. So munis might make sense, as would buy and hold. Rebalancing may be especially painful.

Jim
by colejr
Tue May 07, 2013 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: AA for child with 100k in irrevocable trust
Replies: 10
Views: 843

Re: TIAA Trad & today's interest rates

Many TIAA contracts have a guaranteed minimum payout interest rate of 2.5%, which is better than the current 2% rate used by the TSP annuity calculator. On the other hand, my understanding is that TIAA is very stingy on mortality credits.
by colejr
Wed May 01, 2013 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: TIAA Trad & today's interest rates
Replies: 11
Views: 1259

Re: tax payment to state is lost in the mail?

I paid an extra 5 bucks or so at the post office so I could get a tracking number. Do you mean you sent it by certified mail? I'm not a tax professional, but I did a little research after Michigan lost a return. What I learned was that if you send via certified mail your safe. You have proof of mai...
by colejr
Wed Apr 17, 2013 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: tax payment to state is lost in the mail?
Replies: 17
Views: 1215

Re: Dividend Yield from Total Int'l Stock Market Index Fund

A quick question, really a reality check. For some reason, maybe currency fluctuations or something, Vanguard doesn't list SEC yields on the website for funds like TISM or Total World. I was able to find somewhere that for 2012, the dividend yield (not total return) for TISM Admiral was 3.11%. This...
by colejr
Sat Feb 09, 2013 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend Yield from Total Int'l Stock Market Index Fund
Replies: 3
Views: 973

Re: Vanguard Total International Bond Index Fund

Taxes:
Would it be correct to assume this fund will pay foreign taxes? If so, doesn't this mean double taxation unless held in a taxable account, where the foreign tax credit can be applied? Complicates the normal placement rules.

Jim
by colejr
Wed Feb 06, 2013 8:56 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Bond Index Fund
Replies: 4
Views: 1411

Re: Do Whole House Humidifiers Work?

We have an Aprilaire humidifier on the furnace. If it gets very cold outside, we have to turn it down. Otherwise, all the windows are covered with condensation from excess humidity. It seems to work very well. Jeff +1 on Aprilaire. Ours has an outside thermometer and automatically turns down the hu...
by colejr
Mon Jan 07, 2013 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Do Whole House Humidifiers Work?
Replies: 42
Views: 11339

Re: Transfers Between Vanguard Accounts?

Not sure if your case is similar, but I was trustee of a trust account with a TIN and had a personal account under my SSN. Called Vanguard and the rep helped me get the right forms. Then had to get a Medallion guarantee and send in a copy of the trust documents showing my authority for the move. Eve...
by colejr
Tue Jan 01, 2013 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Transfers Between Vanguard Accounts?
Replies: 3
Views: 329

Re: 403(b): Vanguard -> TIAA-CREF?

But I do find Vanguard much better to deal with than TIAA-CREF. I find the latter's toll-free customer service much less efficient and helpful. Also, the website is difficult to navigate and not at all intuitive, imo. They so much as acknowledged this, months ago, and said they were working on impr...
by colejr
Mon Dec 31, 2012 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403(b): Vanguard -> TIAA-CREF?
Replies: 13
Views: 1103

Re: 403(b): Vanguard -> TIAA-CREF?

It sounds like you'd still have 80% of your assets outside of TIAA, so I'm guessing you'd still have adequate access to any other funds you may want? Yes, at least for now it's not an issue, all our other money is with Vanguard. The really nice thing about this TIAA-CREF 403(b) is access to the cor...
by colejr
Mon Dec 31, 2012 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403(b): Vanguard -> TIAA-CREF?
Replies: 13
Views: 1103

Re: 403(b): Vanguard -> TIAA-CREF?

If you go over to the Morningstar TIAA site and place your exact query there, you are likely to receive responses from MSU folks--active and retired. Thanks, good idea. I may do that, as I will likely find some with experience in the details of the transfer process. I'm also appreciative of the Bog...
by colejr
Sun Dec 30, 2012 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403(b): Vanguard -> TIAA-CREF?
Replies: 13
Views: 1103

Re: 403(b): Vanguard -> TIAA-CREF?

Am I missing anything? I don't think so. BTW if you are already a TIAA GSRA certificate-holder I think point 3 only distracts from the present decision about whether to transfer-in a substantial lump sum to Trad. Thanks, and yes I've been contributing to a new GSRA, as well as a new SRA. So as you ...
by colejr
Sun Dec 30, 2012 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403(b): Vanguard -> TIAA-CREF?
Replies: 13
Views: 1103

403(b): Vanguard -> TIAA-CREF?

I've been considering moving my 403(b) from Vanguard to TIAA-CREF and would appreciate a second opinion, just to make sure I'm not doing anything too stupid. My employer (Michigan State University) dropped Vanguard from its 403(b) vendor list about a year ago, so now my new contributions go to TIAA-...
by colejr
Sun Dec 30, 2012 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403(b): Vanguard -> TIAA-CREF?
Replies: 13
Views: 1103

Re: Help to calculate marginal tax rate for 2013

this thread is very good. Its conclusions are part of the reason I have intentionally reduced my hours modestly this year (I am paid in the following 12 rolling months, so my income has been gliding down very slightly for 4 months) in anticipation of 2013. I don't pay state income taxes, but I perf...
by colejr
Sun Nov 11, 2012 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help to calculate marginal tax rate for 2013
Replies: 30
Views: 2669

Re: What's the dividend yield on Total Intl. Index?

Turns out the dividend yields for international funds are on the Vanguard site for financial advisors.

https://advisors.vanguard.com/VGApp/iip/site/advisor/investments/productoverview?fundId=3369
by colejr
Wed May 30, 2012 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's the dividend yield on Total Intl. Index?
Replies: 8
Views: 1197

Re: nationality in english

Some might even go so far as to accuse the English of having encouraged this confusion... but I won't. :) "England expects that every man will do his duty" - Signal sent by Admiral Horatio Nelson at the Battle of Trafalgar, 21 October 1805, almost 100 years after the Acts of Union of 1707...
by colejr
Fri Jan 15, 2010 10:19 am
 
Forum: Personal Consumer Issues
Topic: nationality in english
Replies: 31
Views: 3626

Re: nationality in english

Some might even go so far as to accuse the English of having encouraged this confusion... but I won't. :) "England expects that every man will do his duty" - Signal sent by Admiral Horatio Nelson at the Battle of Trafalgar, 21 October 1805, almost 100 years after the Acts of Union of 1707...
by colejr
Thu Jan 14, 2010 3:45 pm
 
Forum: Personal Consumer Issues
Topic: nationality in english
Replies: 31
Views: 3626

Re: nationality in english

Some might even go so far as to accuse the English of having encouraged this confusion... but I won't. :) "England expects that every man will do his duty" - Signal sent by Admiral Horatio Nelson at the Battle of Trafalgar, 21 October 1805, almost 100 years after the Acts of Union of 1707...
by colejr
Thu Jan 14, 2010 11:19 am
 
Forum: Personal Consumer Issues
Topic: nationality in english
Replies: 31
Views: 3626

Get a Sloan

We remodeled about three years ago and had our 1950's era toilets replaced with new Kohler standard-flush type toilets (don't remember the model). After two months I had the plumber back out and paid to have them both replaced with Sloan Flushmates.
by colejr
Sun Mar 29, 2009 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Replacement Toilet
Replies: 27
Views: 5767

Re: Substantial Gifts to Children

I have one son in his 30's and have been giving him a rather substantial gift for his birthday and Christmas each year in the form of an I-Bond. My will leaves most of my estate to him, and I view this as somewhat of an advance on his inheritance. John The gift is in the form of an I-Bond? I assume...
by colejr
Sun Dec 23, 2007 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Substantial Gifts to Children
Replies: 36
Views: 6799

Just because something is "legal" doesn't make it right, moral, ethical, a good idea, etc. It is perfectly legal for me to split up with my wife and take up with a hottie that is 18, but not moral or ethical, for example. Don't forget those immoral people who send their kids to public sch...
by colejr
Mon Mar 26, 2007 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trustee with a investment dilemma
Replies: 11
Views: 3650

There may be valid and defensible reasons for this trust, however, another way to express this situation is that the person who set this up took assets, that might have been used for nursing home care, and moved them so that if/when other personal assets ran out, the taxpayer would pick up the nurs...
by colejr
Mon Mar 26, 2007 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trustee with a investment dilemma
Replies: 11
Views: 3650

Consider trust specifics

FIrst, I am sorry for your father's failing health. Your original query was about asset allocation, but medicaid trusts appear to be complicated. If you haven't already, you might consider talking with the lawyer who drafted the trust. I am in no way an expert, but here's some things I would conside...
by colejr
Mon Mar 26, 2007 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trustee with a investment dilemma
Replies: 11
Views: 3650

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