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Re: What-If Planning Advice

Is it definitely or probably the case that, after the move is accomplished, you will have enough in Schedule A deductions to exceed the standard deduction each year? If not, then the answer to your question is it won't make any difference at all. That's a point often glossed over by real estate sal...
by dbr
Mon Nov 24, 2014 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: What-If Planning Advice
Replies: 7
Views: 625

Re: Freakonomics approach to 401(k) choices

Thank you EVERYONE for all of your very valuable insights!! I am pretty new to investing, and it is really nice to know that I can have my questions answered so fully, so quickly on this forum! I would especially like to make a shout out to staythecourse. Quick question for you though: If the S&...
by dbr
Mon Nov 24, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Freakonomics approach to 401(k) choices
Replies: 27
Views: 2468

Re: TSP G-Fund: Is this the only fixed-income component I ne

Questioning what you have in bonds when you are 90% stocks isn't meaningful. I would think the G fund would be just fine. Those current allocations to TIPS and munis could easily go away and I wouldn't get side-tracked by all the noise about corporates. Having said all that, if there is any academi...
by dbr
Sun Nov 23, 2014 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP G-Fund: Is this the only fixed-income component I need?
Replies: 6
Views: 625

Re: Rollover Fidelity 401k to Vanguard IRA or not?

Why do you want to rollover this 401K? The usual reason that would justify this is getting out of expensive funds, but in this case you already have low costs and can't gain a benefit. Are there other costs in the plan that you can escape? The investments you are talking about are institutional fund...
by dbr
Sun Nov 23, 2014 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rollover Fidelity 401k to Vanguard IRA or not?
Replies: 3
Views: 362

Re: Freakonomics approach to 401(k) choices

Your problem is actually pretty simple, though the solution is somewhat complex: you do not understand the variability of returns. Among many possible sets of data you could look at this is one: http://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/histretSP.html Note in that table that there ...
by dbr
Sun Nov 23, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Freakonomics approach to 401(k) choices
Replies: 27
Views: 2468

Re: 75 year old assistance

I have also substantial real estate holdings that will produce over 150,000/ year. The issue is not what I will require but if it is reasonable to enter the market when it is at such extreme high levels and interest rates at such low levels. My inclination is not to take any risk if there is no nee...
by dbr
Sun Nov 23, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 75 year old assistance
Replies: 14
Views: 1022

Re: Return Percentage Question

So, if I understand you correctly, to know whether or not my average annual return is on target with a 8-12% return, I should take my total investment value divided by my cost basis (contributions) and apply an exponential of 1/# of years. So in reality, the figure that my investment firm gives me ...
by dbr
Sun Nov 23, 2014 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: Return Percentage Question
Replies: 7
Views: 358

Re: Return Percentage Question

longinvest wrote:You coul read (and maybe use the spreadsheet) in our wiki's Calculating personal returns.


Yes, you created that didn't you? I apologize for not mentioning it.
by dbr
Sun Nov 23, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: Return Percentage Question
Replies: 7
Views: 358

Re: 75 year old assistance

I am sorry we are considering 75% V bond index not stock index. We have no debt and we are still employed and do not plan to retire for 2 years. My question is. Is this an appropriate time to ladder into the market with a simple AA of 75 bond index and 25 stock index? Or is it best to wait 2 years?...
by dbr
Sun Nov 23, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 75 year old assistance
Replies: 14
Views: 1022

Re: portfolio suggestions for the truly aged.

I do think it will get almost all spent. This is the key statement. If you really think she is going to need every penny she has now for spending over the next five years, then you have to be is safe savings instruments such as CDs. Do you really mean this? What is the plan if she is still alive an...
by dbr
Sun Nov 23, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio suggestions for the truly aged.
Replies: 19
Views: 1671

Re: Retirement around the corner, seeking advice on getting

I did learn from that is to stay put and the market will come back. We all hope the market will "come back" quickly, like it did in 2008-9 but, the reality is, in Japan they're still waiting! Going through a major correction like 2008-9 while still working, knowing you can always postpone...
by dbr
Sun Nov 23, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement around the corner, seeking advice on getting hous
Replies: 21
Views: 1786

Re: Saving Strategy For a Young Person?

For myself, I am not talking about mistake but rather annoyance. How much annoyance an annoyance is is a personal issue and also related to the size. We cashed out a 403b and paid taxes to avoid carrying a whole additional account that had 0.5% of our assets. My 401K has after tax assets that are al...
by dbr
Sun Nov 23, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Saving Strategy For a Young Person?
Replies: 17
Views: 1405

Re: 30 Year TIPS Bond as a SPD Annuity Alternative?

Much of the future income advantage of SPD annuities comes from mortality credits. You would not have that source of income with TIPs. If you really care about leaving an inheritance for your heirs, then TIPs are reasonable, but they are at historically low real interest rates now, and essentially ...
by dbr
Sun Nov 23, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30 Year TIPS Bond as a SPD Annuity Alternative?
Replies: 7
Views: 625

Re: Bumped out of first class at boarding - compensation?

I am not a FF/contract expert but I disagree with this. I find it hard to believe that non-rev passengers have the right to bump anyone with a confirmed ticket from first class. A ticket purchased with miles is still a contract for first class. There is non-rev, meaning airline employees on vacatio...
by dbr
Sun Nov 23, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 36
Views: 2834

Re: TSP G-Fund: Is this the only fixed-income component I ne

Questioning what you have in bonds when you are 90% stocks isn't meaningful. I would think the G fund would be just fine. Those current allocations to TIPS and munis could easily go away and I wouldn't get side-tracked by all the noise about corporates. Having said all that, if there is any academic...
by dbr
Sun Nov 23, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP G-Fund: Is this the only fixed-income component I need?
Replies: 6
Views: 625

Re: Return Percentage Question

Since return is by definition an annual number, that should answer that question. But, you may not have calculated an annual return. For example, if you started with $10,000 and have $12,000 at the end of two years, the return, also known as the compound annual growth rate would be r = (12000/10000)...
by dbr
Sun Nov 23, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Return Percentage Question
Replies: 7
Views: 358

Re: 75 year old assistance

The first question to ask is what are your objectives? You don't say what amount of spending you might want to support from these assets, whether you intend money to be left for heirs or gifted, or whether you plan to buy a yacht or sell your country home if you have one (the real estate?). It would...
by dbr
Sun Nov 23, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: 75 year old assistance
Replies: 14
Views: 1022

Re: Moving current 401k funds into brokerage link?

What is the description of HP STOCK FUND(.02) ? OP, will you also answer the above question? My first thoughts are that it could be (a) a total U.S. stock index fund, which would be great, or (b) an option to invest money in company stock, which wouldn't be what we're looking for. What do the plan ...
by dbr
Sun Nov 23, 2014 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 29
Views: 1338

Re: Retirement around the corner, seeking advice on getting

Key Points 1. Retirement next summer and will put off pension till 65 and SS until 70. Expect annual income of $74K against expenses of $45K. 2. 60/40 asset allocation, but lean towards more risk. 3. Have access to a safe 3% fund. Good idea for the 40%? Or too conservative? 4. Anxious over giving u...
by dbr
Sun Nov 23, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement around the corner, seeking advice on getting hous
Replies: 21
Views: 1786

Re: Bumped out of first class at boarding - compensation?

I would ask over at flyertalk-- they are very knowledgeable about all the rules/practices. Look for either the USAir or the United FF forum. Absolutely post at flyertalk, probably in the USAir section but could spill to UA: http://www.flyertalk.com/forum/us-airways-dividend-miles-pre-merger-612/ Th...
by dbr
Sun Nov 23, 2014 11:09 am
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 36
Views: 2834

Re: Saving Strategy For a Young Person?

I still have a small amount of non-deductible money in my 401K from the misty past when the company was still trying to figure out how to run a 401K plan and all the different ways to contribute to it. All I have learned so far about that money is that I can't take it out as such (something about po...
by dbr
Sun Nov 23, 2014 10:04 am
 
Forum: Investing - Theory, News & General
Topic: Saving Strategy For a Young Person?
Replies: 17
Views: 1405

Re: 30% In International Stocks?

That certainly would be the argument for holding a measurably higher percentage of international than 30% of equities. Or it is an argument that when one asset class or another (stocks/bond) is the minority part of a portfolio, how that set of investments is further sub-allocated becomes less and l...
by dbr
Sun Nov 23, 2014 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 59
Views: 5657

Re: Fidelity Rewards Amex Activation Experience

All the credit cards I have gotten from any company in recent years said right on the front that I could activate online or by calling a phone number. That information is on a peel-off sticky on the card. The phone call goes to an activation line that most often is automated. I have never had a prob...
by dbr
Sun Nov 23, 2014 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Amex Activation Experience
Replies: 20
Views: 1150

Re: Social Security 62 vs 66

A big factor is "how old are you now?". If you're 60, then it's a good bet that waiting will pay off. But look at articles examining funding of social security and possible remedies as time goes on. Most converge on 2033 as the point where benefits will drop to 75% of where they are now. ...
by dbr
Sun Nov 23, 2014 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 56
Views: 4360

Re: 30% In International Stocks?

These conversations always seem to boil down to *theory*, rather than a practical assessment. If someone had the recommended 30% international in a 40/60 portfolio, then 11.9% of the total holdings would be in VTIAX. Setting aside the *theory*, would that 11.9% stake really make people sleep better...
by dbr
Sun Nov 23, 2014 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 59
Views: 5657

Re: File and Suspend timing mechanics for max benefit

My experience in dealing with SS was that the electronic applications went in just fine. Next SS called me to verify the application(s). The person on the phone was extremely knowledgeable about the whole concept of file/suspend/spousal benefit etc. and finished correctly setting up the applications...
by dbr
Sun Nov 23, 2014 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: File and Suspend timing mechanics for max benefit
Replies: 12
Views: 1176

Re: Why I will fund retirement with TIPs ladder no matter wh

we now have a reduced cost to taxes as deflation occurs. Isn't deflation about the worst thing ever that can happen to government debt and pension funding? Seems to me taxes might rise in an deflationary environment to cover obligations. Or am I missing something. If that happens then there would n...
by dbr
Sat Nov 22, 2014 11:45 am
 
Forum: Investing - Theory, News & General
Topic: Why I will fund retirement with TIPs ladder no matter what
Replies: 51
Views: 3365

Re: Why I will fund retirement with TIPs ladder no matter wh

TIPS do not lose their real value during deflation any more than they do during inflation. If the argument is that one sort of bond may outperform another sort of bond under different conditions, then that should be analyzed, but I do not believe that it is true that TIPS fail to do what the invest...
by dbr
Sat Nov 22, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Why I will fund retirement with TIPs ladder no matter what
Replies: 51
Views: 3365

Re: Why I will fund retirement with TIPs ladder no matter wh

TIPS do not lose their real value during deflation any more than they do during inflation. If the argument is that one sort of bond may outperform another sort of bond under different conditions, then that should be analyzed, but I do not believe that it is true that TIPS fail to do what the invest...
by dbr
Sat Nov 22, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Why I will fund retirement with TIPs ladder no matter what
Replies: 51
Views: 3365

Re: Why I will fund retirement with TIPs ladder no matter wh

TIPS do not lose their real value during deflation any more than they do during inflation. If the argument is that one sort of bond may outperform another sort of bond under different conditions, then that should be analyzed, but I do not believe that it is true that TIPS fail to do what the investo...
by dbr
Sat Nov 22, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Why I will fund retirement with TIPs ladder no matter what
Replies: 51
Views: 3365

Re: How should wife counter salary offer within current co.?

I would also consider the path that has led to the offer. In particular if this is the company response to discussion of the employee's desires for advancement and higher pay, then the context could be that the negotiation has already happened in effect and this is the outcome. An employee might not...
by dbr
Sat Nov 22, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 48
Views: 3882

Re: Asset Allocation Across Accounts with varying Tax Situat

There are various suggestions regarding how the contingent liability for taxes should be taken into account when doing asset allocation. See here for example: http://www.bogleheads.org/wiki/Tax-adjusted_asset_allocation My suggestion is that going down that path requires being very clear what purpos...
by dbr
Sat Nov 22, 2014 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Across Accounts with varying Tax Situations
Replies: 3
Views: 273

Re: Home equity loan as an asset?

$77k with a paid off house sounds like some pretty darn high expenses. How about starting there? This depends on whether the $77k is gross income or after tax. Also depends on whether it covers just the basics or includes a bunch of discretionary expenditures. But yes, it's not too safe to try to a...
by dbr
Sat Nov 22, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Home equity loan as an asset?
Replies: 26
Views: 1359

Re: Moving current 401k funds into brokerage link?

I forgot that with fidelity the expense ratio of vanguard funds is higher than from vanguard itself.. :oops: and from all of your suggestions I wont' use brokerage account. So my next question is, should I leave in HP 1990 fund, or move it over to a mix of these 4 funds? and If I move it to these 4...
by dbr
Sat Nov 22, 2014 9:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 29
Views: 1338

Re: Moving current 401k funds into brokerage link?

A BrokerageLink can be useful if (a) transactions are large, (b) infrequent and (c) give you a large advantage in expenses. Otherwise fees for use of the BrokerageLink can eat up the expense ratio advantage you try to get. This is correct. It is all about total costs in the end. Changing funds beca...
by dbr
Sat Nov 22, 2014 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 29
Views: 1338

Re: Diversification among Bonds?

It is important to strive for simplicity Why? There are pros and cons if simplicity is the central focus. If simplicity is important to you then it is important. For many people having more than 1 fixed income product isn't that much of a burden -and offers some benefit. The mantra that you only ne...
by dbr
Sat Nov 22, 2014 9:04 am
 
Forum: Investing - Theory, News & General
Topic: Diversification among Bonds?
Replies: 32
Views: 2826

Re: Home equity loan as an asset?

Issues about assets and liabilities aside, borrowing money and thinking one now has more assets, and assets that are more conservatively invested, meaning bonds, does not work. A person could sell the house and the proceeds would now be an asset. In that case there would have to be a modification ma...
by dbr
Sat Nov 22, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Home equity loan as an asset?
Replies: 26
Views: 1359

Re: How should wife counter salary offer within current co.?

I think there needs to be some reading of corporate culture here. If the system is what a couple of us have mentioned where initial steps may be to the bottom of the range and a lot of what is going on is policy driven, then negotiating will not be well received and is not advised. Future raises wil...
by dbr
Fri Nov 21, 2014 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 48
Views: 3882

Re: Home equity loan as an asset?

I'm 81, my wife 80. Happy in our beautiful small home, (current market value $500,000) plenty of friends, volunteer work, kids nearby, life is good. No debt. Annual living expense: $77,000 all in. Social Security income $35,000, so we need $42,000 from our $600,000 portfolio (50/50 stocks/bonds in ...
by dbr
Fri Nov 21, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Home equity loan as an asset?
Replies: 26
Views: 1359

Re: How should wife counter salary offer within current co.?

Any way to find out what people in comparable positions in the company are making? No, she said that is not possible. That story was interesting at megacorp as well. For years HR dug in their heels over publishing the salary scales. This was not an issue of revealing individual salaries but of show...
by dbr
Fri Nov 21, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 48
Views: 3882

Re: How should wife counter salary offer within current co.?

At megacorp a pretty standard trick when "promoting" people was to low ball them into a lower decile on the salary scale for the new position. The effect of this is to increase the relative size of future salary increases as time goes on, at least with positive performance appraisals. I re...
by dbr
Fri Nov 21, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 48
Views: 3882

Re: Transferring S&P 500 index fund in kind

I find it interesting that people are always so freaked out about being out of the market. It should be the case on average that being out of the market is harmful only to the extent of losing expected return multiplied by the length of exposure. That turns out to be a trivial amount for short time...
by dbr
Fri Nov 21, 2014 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transferring S&P 500 index fund in kind
Replies: 13
Views: 1180

Re: Does investing in a 401k actually save any money?

To address only one aspect (and assumption) about the long term benefit of 401k (or any other similar) tax deferred savings/investment - The tax free (actually deferred) compounding of a 401k (or other similar) tax deferred savings/investment can actually be beneficial even if the marginal tax rate...
by dbr
Fri Nov 21, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: Does investing in a 401k actually save any money?
Replies: 47
Views: 3631

Re: 401k questions

Yet how can we be sure how (TIPS) will respond to rampant inflation seeing as how we haven't experienced that in over 30 yeas? In addition to the fact that (TIPS) has only around for what, maybe 10 years? The question is what happens to real interest rates in the presence of rampant inflation. I do...
by dbr
Fri Nov 21, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k questions
Replies: 10
Views: 1151

Re: My grown up Christmas wish-A Warm House

I will say the best feature to be found in an old house may be old fashioned cast iron radiators for heat. Forced air I would not wish on anyone.
by dbr
Fri Nov 21, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: My grown up Christmas wish-A Warm House
Replies: 27
Views: 2767

Re: My grown up Christmas wish-A Warm House

We also had an energy audit done some years ago. While there were many possible improvements suggested, some obvious and some not, not any single one of them had a reasonable payback that would justify the effort, expense, and complexity of implementation. Living in an old house is pretty much an ex...
by dbr
Fri Nov 21, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: My grown up Christmas wish-A Warm House
Replies: 27
Views: 2767

Re: Gifting Exisiting Government Bonds

This may be of some help concerning EE bonds: http://finance.zacks.com/transferring-large-amounts-ee-savings-bonds-new-owner-5673.html The article appears to say that there is a tax consequence to the original owner which would appear to be what you want to avoid, and if that 1099 is income that aff...
by dbr
Fri Nov 21, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting Exisiting Government Bonds
Replies: 2
Views: 336

Re: TSM vs S&P500

I know Total Stock Market vs S&P 500 has been discussed in great depth in this forum already. It seems like every single post I've read here said either 1) TSM is slightly better because it's more diversified or 2) who cares the returns are so close it doesn't matter. Just curious if anyone has...
by dbr
Fri Nov 21, 2014 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: TSM vs S&P500
Replies: 19
Views: 1981

Re: Proposed Lifetime Retirement Investment Approach

I'll chime in that asset allocation can and should change for many of us over time. When the account is small and the investor young, taking more risk by being 100% in equities is appropriate IMHO. As we approach the withdrawal period (retirement in this case) we may want to dial down the volatilit...
by dbr
Fri Nov 21, 2014 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proposed Lifetime Retirement Investment Approach
Replies: 28
Views: 2244

Re: Should we tip the caregiver

Recognizing that a caregiver may be out of a job when a person dies, I have written contracts that provided severance in that event. This did not involve people hired through an agency but did involve the full scale exercise of hiring and managing employees, an experience I would not necessarily rec...
by dbr
Fri Nov 21, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Should we tip the caregiver
Replies: 26
Views: 1866
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