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Re: Father died. How to handle his company stock?

Yes, unless there is something unusual there is a step-up in basis and the wife should sell the stock immediately except . . .

. . . given the asking of the question I think the wife should see a tax accountant about this and other tax questions immediately and before doing anything.
by dbr
Fri Aug 29, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Father died. How to handle his company stock?
Replies: 11
Views: 702

Re: Inflation Protected Securities

There is absolutely nothing that any investor "needs" to do or "should" except one thing and that is learn enough about investing to decide for oneself how to invest. The good news is that there are enough books to read (see the Wiki Library) and discussions to follow on this for...
by dbr
Fri Aug 29, 2014 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Securities
Replies: 9
Views: 740

Re: Withdrawl from Target Retirement or Life Strategy Fund

bertilak Any other examples or ideas on liability-matched (or safe floor) portfolio besides annuities and bond ladders? Currently I have 3 years of cash (safe floor) and the rest of my retirement money in LifeStratery conservative growth. Not happy with my safe floor. Thanks You shouldn't be happy....
by dbr
Fri Aug 29, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 41
Views: 3154

Re: Protecting one's bank account from PayPal

I don't use PayPal and any business that insists on it doesn't exist as far as I an concerned. I haven't missed anything I wanted to buy or do as a consequence.
by dbr
Fri Aug 29, 2014 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Protecting one's bank account from PayPal
Replies: 24
Views: 1714

Re: Question on ESOPs

Does anyone know the implications of a partial direct rollover from an ESOP to an IRA? I'm reading some of the fine print, "Any eligible amount not directly rolled over will be subject to the 20% federal income tax withholding". I'd like roll some of it to an IRA and leave the balance in ...
by dbr
Thu Aug 28, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on ESOPs
Replies: 8
Views: 286

Re: When, if ever, should an annuity be used in retirement p

I believe there is a chapter in Jim Otar's book regarding when an SPIA makes the most sense: http://www.retirementoptimizer.com/ If you accept the reasoning of the Liability Matching Portfolio, then an inflation indexed SPIA would be a building block tool for providing income in retirement. Doing th...
by dbr
Thu Aug 28, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: When, if ever, should an annuity be used in retirement plans
Replies: 31
Views: 1765

Re: TLH vs. TGH

Paying an admission fee to participate in a market timing lottery doesn't make much sense to me.
by dbr
Thu Aug 28, 2014 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH vs. TGH
Replies: 5
Views: 202

Re: TLH vs. TGH

Yes, this part: "If in the future I have a gut feeling the market is starting to turn . . . " But you already know that.
by dbr
Thu Aug 28, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH vs. TGH
Replies: 5
Views: 202

Re: How sustainable if the inflation adjusted income of VTSM

I believe the historical rate of dividend payout from stocks has dropped substantially over the decades. This is one article on the subject: http://www.advisorperspectives.com/dshort/updates/History-of-Stock-Dividends.php In any case, as suggested in the response above, planning on stock dividends b...
by dbr
Wed Aug 27, 2014 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: How sustainable if the inflation adjusted income of VTSMX?
Replies: 6
Views: 781

Re: How do you calculate your return rate?

The XIRR function in Excel or its equivalents in other spreadsheets does this problem.
by dbr
Wed Aug 27, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you calculate your return rate?
Replies: 5
Views: 374

Re: strategy to get brokerage bonuses

You could get 50,000 ff miles on DL, AA, or UA at Fidelity for a $100K account repeated annually to some unspecified number of repetitions Are you sure this is true? My rep seems to have told me I could only do it once in any existing account. I have a lot of cash, I could just transfer out of Fide...
by dbr
Wed Aug 27, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: strategy to get brokerage bonuses
Replies: 50
Views: 3011

Re: Best time to exercise stock options

When they are vested and you are allowed to sell perhaps? You're already invested once.. your DW paycheck and benefits. Holding anything significant beyond that (pumping money in to stock options) doesn't seem like a safe thing to do. No, presumably these are grants of management stock options whic...
by dbr
Tue Aug 26, 2014 3:57 pm
 
Forum: Investing - Theory, News & General
Topic: Best time to exercise stock options
Replies: 10
Views: 862

Re: strategy to get brokerage bonuses

$2500 for $1M transfer seems to be the top end deal. I had received $1,200 from Schwab for transferring $500k in, as a match to a Fidelity offer. Seems .25% is the standard ratio. You could get 50,000 ff miles on DL, AA, or UA at Fidelity for a $100K account repeated annually to some unspecified nu...
by dbr
Tue Aug 26, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: strategy to get brokerage bonuses
Replies: 50
Views: 3011

Re: Do vanguard funds compound monthly?

What about the VFFVX Vanguard Target Retirement 2055 Fund Investor Shares? I have both dividends and capital gains set to 'reinvest'. Is this a good fund to invest at age 22? If so, when should I start branching out and investing in other vanguard funds? Thanks. As long as the asset allocation in t...
by dbr
Tue Aug 26, 2014 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do vanguard funds compound monthly?
Replies: 11
Views: 1236

Re: Bond fund in taxable account (CA resident)

I realize my whole municipal bond allocation is California. My California muni bond allocation is 16% of total bond allocation. Is there an analyst who thinks this is okay?:) I don't know about analyst, but if you want an opinion from a random poster on the Internet, 16% of bonds, which in turn is ...
by dbr
Tue Aug 26, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond fund in taxable account (CA resident)
Replies: 14
Views: 1064

Re: strategy to get brokerage bonuses

It is a bit like the free dinner offered for attending the retirement presentation. A certain percentage that go for just the free dinner end up paying a heavy price. So, anytime there is an attractive bonus you really need to not get ensnared by fine print gotchas or being lured into products or s...
by dbr
Tue Aug 26, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: strategy to get brokerage bonuses
Replies: 50
Views: 3011

Re: Fee-Only Advisor Cost?

dbr is confusing the issue as ani686 is referencing the planner his business used to establish and monitor their company's 401(k). There is a substantial amount of work required on the front end and also ongoing maintenance to serve the participants of the plan. An advisor and/or firm that undertak...
by dbr
Tue Aug 26, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Fee-Only Advisor Cost?
Replies: 26
Views: 1410

Re: Fee-Only Advisor Cost?

Anyway - total cost for our business (should be cheaper for an individual) is $300/quarter - our planner uses VG etfs/funds to construct simple tilted or three fund portfolios. Just my experience and hope it helps. This is a typical example of the problem. A financial plan should not need ongoing p...
by dbr
Tue Aug 26, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Fee-Only Advisor Cost?
Replies: 26
Views: 1410

Re: Really dumb question from a newbie. passive investing

That is pretty much the idea. One thing to be added is that rebalancing is recommended. Rebalancing means that as some assets rise or fall in value differently from other assets, stocks vs bonds, for example, the asset allocation drifts away from the intended balance. If that gets too far out of han...
by dbr
Tue Aug 26, 2014 10:00 am
 
Forum: Investing - Theory, News & General
Topic: Really dumb question from a newbie. passive investing
Replies: 6
Views: 757

Re: Do vanguard funds compound monthly?

This is not correct for many (probably most) Vanguard Bond Funds. For example, the GNMA Fund pays dividends at the end of each month. Payment of that end-of-month dividend does NOT affect the Net Asset Value of the GNMA Fund shares. In addition, the monthly dividend on the GNMA fund is calculated o...
by dbr
Tue Aug 26, 2014 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Do vanguard funds compound monthly?
Replies: 11
Views: 1236

Re: Do vanguard funds compound monthly?

Well, assuming you're reinvesting dividends, that's the functional equivalent of "compounding," yes? Although I'm gathering here that it's not proper terminology to call reinvesting dividends "compounding." Yes? No? Maybe? No, not exactly because the growth in value of a mutual ...
by dbr
Mon Aug 25, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do vanguard funds compound monthly?
Replies: 11
Views: 1236

Re: Do vanguard funds compound monthly?

What is the length of compounding for vanguard funds? Daily, monthly, semi-annually or annually? I read somewhere that the more frequent the compounding the greater the effect of compounding over many years. Compounding in this sense does not apply to mutual funds. The value of a mutual fund is det...
by dbr
Mon Aug 25, 2014 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do vanguard funds compound monthly?
Replies: 11
Views: 1236

Re: Trying to understand the 1040 Tax Table

Effective tax rate, while interesting, is useless for decision making. All decisions to recognize additional income or accelerate deductions are based on the marginal rate. Exactly. Marginal rate is useful for comparing decisions between or among alternatives, all else being equal. Effective rate t...
by dbr
Mon Aug 25, 2014 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 27
Views: 1624

Re: Schwab Financial Consultant

Sounds like another name for advisor = salesman = unabashed shill for Schwab products.

You can just ignore his existence. If you have account issues, need documentation, etc., there is certainly a customer service phone number, etc.
by dbr
Mon Aug 25, 2014 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab Financial Consultant
Replies: 10
Views: 912

Re: Rate of Return

Of course, as you noticed, when the estimate for return is reduced the safe consumption is reduced. There is a safe rate of withdrawal but not a safe return. You could decide a rate of consumption and by trial and error find the rates of return that allow that rate of consumption to be reached. You ...
by dbr
Mon Aug 25, 2014 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Rate of Return
Replies: 3
Views: 429

Re: 100% stock AA-> At what age to add bonds?

There is only one LARGE problem here and that is that bonds CAN and usually DO improve your returns, within a certain range of bond allocation when you are in retirement and in the process of spending money from your account. This is where Sequence of Return risk bites you in the backside, without ...
by dbr
Mon Aug 25, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3652

Re: Moving from UBS to Vanguard

Kind of scared me when I read this because I have a Spartan three fund portfolio but all three funds are in a tax deferred account. So would I be better off if I moved the Total Stock index and the Total International Index into a separate taxable account? And what's the advantage to having these f...
by dbr
Mon Aug 25, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving from UBS to Vanguard
Replies: 18
Views: 1239

Re: Can a Commodities Fund be a Long-Term Investment?

few things Second re PCRIX as pointed out seems you are making the very bad mistake of looking at PRICE ONLY returns, not total returns. Same thing can happen say with REITS which are required to pay out almost all earnings.. Larry May be I have to wait longer but my experience with CCF (PCRDX and ...
by dbr
Mon Aug 25, 2014 11:29 am
 
Forum: Investing - Theory, News & General
Topic: Can a Commodities Fund be a Long-Term Investment?
Replies: 45
Views: 2653

Re: Dividend Excel Spreadsheet

I don't. I let my brokerage take care of it. If you bought a stock after Jan 1, 2012, your brokerage will calculate the cost basis for you without any input from you (but you can, at your own doing, request FIFO, LIFO). Oh you dont? I've read some where in boglehead forum about keeping record of di...
by dbr
Mon Aug 25, 2014 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Dividend Excel Spreadsheet
Replies: 4
Views: 626

Re: strategy to get brokerage bonuses

livesoft wrote: The only unknown is whether Fidelity will send me a 1099DIV for the value of the frequent flyer miles to me or not.



No 1099. As mentioned, this may be different with cash bonuses.
by dbr
Mon Aug 25, 2014 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: strategy to get brokerage bonuses
Replies: 50
Views: 3011

Re: Muni vs TIPS vs TBM

80% equities is more than enough inflation-protection... Are stocks really a hedge against inflation? http://inflationdata.com/articles/2012/01/21/inflation-stock-market-correlation/ http://www.cbsnews.com/news/how-inflation-affects-the-stock-market/ Seems to say there is not a tight correlation. R...
by dbr
Mon Aug 25, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Muni vs TIPS vs TBM
Replies: 9
Views: 1237

Re: I need "Ultra High Net Worth" investing advice please

I look at it this way...You buy a Ferrari and you know service isn't going to be cheap, but you still have people take there's to an independent tech and scratch there head when something horrible goes wrong. I'm a believer in you get what you pay for and this is no different. A lot of people on th...
by dbr
Sun Aug 24, 2014 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15140

Re: I need "Ultra High Net Worth" investing advice please

I haven't read all the replies in this thread, but since you asked specifically for investing advice, I'd second Warren Buffet's latest recommendation. He mentioned 10% cash and 90% S&P500 for the money he intends to leave to his wife. What I think this boils down to is to have enough in liquid...
by dbr
Sun Aug 24, 2014 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15140

Re: I need "Ultra High Net Worth" investing advice please

My advice is to focus on that and let other (good) people do the rest. It's easy to find (bad) people. I think it's a big problem finding those (good) people. So the most important people to have is the guy that makes sure all the other guys are good people? But seriously, the population of not so ...
by dbr
Sun Aug 24, 2014 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15140

Re: Buy & Hold Forever Blue Chip Stocks???

....People who seriously advocate picking blue chip stocks will still admit that at some point the investor should know when to get out of an impending disaster... But how do you "know when?" Yes, that's my point. At least the "hold forever" investor has an actionable strategy.
by dbr
Sun Aug 24, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3580

Re: If my 70/30 Stock/Bond portfolio matched the S&P500 gain

As JoMoney points out, you can't invest in past return and past risk**. You can only invest in expected* return and expected risk, and the S&P500 has higher expected return and higher expected risk than 70/30 unless the stocks in the 70/30 (which are not specified) are higher risk, higher return...
by dbr
Sun Aug 24, 2014 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: If my 70/30 Stock/Bond portfolio matched the S&P500 gains
Replies: 7
Views: 1691

Re: vanguard personal advisor services

Do we know that VPAS eschews target date funds? Considering that Vanguard seems to me to "push" these a bit, why not VPAS as well? Of course, an uniformed investor can make as big a mistake owning target date funds as owning anything else, and may even find it a little easier to make a mis...
by dbr
Sun Aug 24, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: vanguard personal advisor services
Replies: 2
Views: 550

Re: Buy & Hold Forever Blue Chip Stocks???

People who seriously advocate picking blue chip stocks will still admit that at some point the investor should know when to get out of an impending disaster. Holding the stock "forever" seriously stacks the deck against the investor. Isn't there are article somewhere about the dead winners...
by dbr
Sun Aug 24, 2014 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3580

Re: 100% stock AA-> At what age to add bonds?

If you have no Bond allocation in your Portfolio, it makes it impossible to re-balance. I think you need at least 20% Bonds. This is incorrect. If you have 100% stocks it is easy to rebalance since it's not necessary. You will always have 100% stock no matter what. And if you receive any dividends ...
by dbr
Sun Aug 24, 2014 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3652

Re: 100% stock AA-> At what age to add bonds?

The best serious answer I am aware of is Larry Swedroe's system of need/ability/willingness to take risk as determined by the stock/bond ratio. It takes reading the few pages in one of his books to get the explanation. While there are many reasons that most investors would likely conclude from that ...
by dbr
Sun Aug 24, 2014 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3652

Re: Muni vs TIPS vs TBM

I found this http://www.bogleheads.org/forum/viewtopic.php?t=60475 and it seems the VOHIX seems like a waste of time. Then I also found this http://www.forbes.com/sites/rickferri/2013/10/07/tips-on-tips/ which seems pretty convincing and jives with Vanguard more or less, that other link and Malkiel...
by dbr
Sun Aug 24, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni vs TIPS vs TBM
Replies: 9
Views: 1237

Re: Muni vs TIPS vs TBM

Fixed income does not behave like equities; the concept of tilting, if it exists, would mean something very different. You seem to have two questions. One is a tax question and the other is a question about TIPS. I would not allocate to TIPS because you read that Larry said so. An investor buys TIPS...
by dbr
Sun Aug 24, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni vs TIPS vs TBM
Replies: 9
Views: 1237

Re: Tipping tradespeople

I tip workers when they have had to do significant extra work or overcome an "above the call" obstacle. An example was appliance installers who moved and returned other heavy furniture in a room to get the installation done, volunteered to do so, and did not ask for anything. I would not t...
by dbr
Sun Aug 24, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Tipping tradespeople [rain gutter installers]
Replies: 27
Views: 2331

Re: Buy & Hold Forever Blue Chip Stocks???

Thank you all for the replies. So... the consensus here is a personal investor should NEVER include stocks in their taxable portfolio? If there is a consensus here, it is certainly not with the "NEVER" in the above. I would say there would be a pretty strong opinion against building an en...
by dbr
Sun Aug 24, 2014 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3580

Re: Buy & Hold Forever Blue Chip Stocks???

I would reject the condition that I HAVE to pick less than 10 stocks and invest in the thousands of stocks in a US or even total world stock index fund. Also, starting way early to benefit your heirs is a great idea, but that would not mean to me any concept of "playing around" with the in...
by dbr
Sun Aug 24, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3580

Re: I need "Ultra High Net Worth" investing advice please

Let's say I have 55+ years to live off the money with 2 children at the moment, maybe one more and yes married :). The goal is to use the money for income and creating wealth for future generations of our family. I'm not concerned about using this money to fund another business per say. This is goi...
by dbr
Sun Aug 24, 2014 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15140

Re: Trade short term VTIPs for regular TIPs?

Why is anyone investing in TIPS for short term results anyway? An allocation to TIPS (preferably a ladder not a fund) should be for long term inflation protection not short term results. Because people have read that there is a impending disaster in bonds and the only solution is to go short. Maybe...
by dbr
Sun Aug 24, 2014 10:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Trade short term VTIPs for regular TIPs?
Replies: 13
Views: 1040

Re: Can a Commodities Fund be a Long-Term Investment?

Zero expected real return doesn't mean anything. What matters is how an asset mixes with the rest of the portfolio. Depending on the timing of the high degree of fluctuation, it can improve the results of a portfolio. That is the case being made by the proponents of commodities. I don't buy this ar...
by dbr
Sat Aug 23, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Can a Commodities Fund be a Long-Term Investment?
Replies: 45
Views: 2653

Re: Enough retirement income to avoid Medicaid

IF you don't want subsidy at all of course you can pay full price. Well, apparently that is what the OP wants to do and this whole thread is about him mistakenly thinking that the law would not let him do that unless he could establish that his income was above the max., a situation that seems unli...
by dbr
Fri Aug 22, 2014 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Enough retirement income to avoid Medicaid
Replies: 30
Views: 2840
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