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Re: Speaking in St. Louis on Thursday

Like the Zion pic. I hiked the West Rim trail today. Got as far as Scouts Landing then part of the way on the chains to Angels Landing.
by dickenjb
Mon Jul 28, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: Speaking in St. Louis on Thursday
Replies: 4
Views: 733

Re: Mutual Fund Suggestions?

OK, so your husband's holdings are small relative to the family's overall portfolio. Do you want to make sure the $40K will be around in 5 years for a house downpayment? VWIUX yields 1.85% which in the 25% bracket is equivalent to 2.47 taxable. It has a $50K minimum but there is a non Admiral versio...
by dickenjb
Mon Jul 28, 2014 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Suggestions?
Replies: 6
Views: 605

Re: Mutual Fund Suggestions?

I will guarantee you that your marginal rate is not 12.39%. That sounds like your effective rate which is of no utility in making decisions. Why don't you ask your husband what he holds and develop a portfolio that is optimal for your family vs. suboptimizing? PS your state income tax rate is 6% in ...
by dickenjb
Sun Jul 27, 2014 10:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Suggestions?
Replies: 6
Views: 605

Re: Dumb 3rd grade math question about beach house rental

I actually just went through this scenario. This January wife's sister and hubby split a condo in Maui with us for 5 nights. We split it evenly and gave them the oceanview bedroom. (I felt sorry for SIL since this was her first trip to Hawaii and I have been 20+ times). On Kauai we rented for 5 nigh...
by dickenjb
Sun Jul 27, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 49
Views: 3402

Re: Basically starting over

Dickenbj : If I can purchase company stock at a 10% discount and then sell it immediately at the end of the month, it looks like I should be doing this, correct? Well, that depends. In some cases I believe if you sell immediately the gain of 10% is treated as ordinary income or ST cap gains. If you...
by dickenjb
Sun Jul 27, 2014 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 9
Views: 1659

Re: 36 percent decline in net worth

Rob5TCP wrote:Why 2013 is lower than 2009 is perplexing to me as well.
I can see for some that sold assets to live on because of unemployment.
But ALL income brackets?


What income brackets? The table shows wealth brackets.
by dickenjb
Sun Jul 27, 2014 8:52 pm
 
Forum: Investing - Theory, News & General
Topic: 36 percent decline in net worth
Replies: 38
Views: 5413

Re: "best" online booking service for hotel room?

The Springhill Suites by Marriott is very nice and right by the PA turnpike / 376.
by dickenjb
Sun Jul 27, 2014 7:09 pm
 
Forum: Personal Consumer Issues
Topic: "best" online booking service for hotel room?
Replies: 25
Views: 1700

Re: Saving for Adoption

Look into whether either employer helps with adoption expenses. Mine did, although we had no need to use it.
by dickenjb
Sun Jul 27, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Saving for Adoption
Replies: 10
Views: 855

Re: Plan for my 401(k)... Seeking good advice

I don't think you need an advisor at all.

We can't advise on Roth vs Traditional when you have given us no information re: your current and future marginal tax brackets.

Follow the "Asking for Portfolio Help" template and you will get great advice here for free.
by dickenjb
Sun Jul 27, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Plan for my 401(k)... Seeking good advice
Replies: 3
Views: 266

Re: Basically starting over

After you buy company stock at a 10% discount, can you sell it immediately or must you hold it for a considerable amount of time? I generally do not advise people to load up on company stock.
by dickenjb
Sun Jul 27, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 9
Views: 1659

Re: Where should I open a Solo 401k account?

Costs matter and since Vanguard won't make their ETFs or Admiral funds available in i401k I can't see much reason to consider them. I have my solo K plan at Vanguard and pay 14 basis points for LS Income as it is the cheapest non-Admiral fund. I do not find this expense ratio high and since my solo...
by dickenjb
Fri Jul 25, 2014 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where should I open a Solo 401k account?
Replies: 18
Views: 1132

Re: Need advice choosing fund for college expenses (not 529)

To be more specific, in PA you can deduct up to $14,000 per year from your state taxes ($28k if married) if that money is contributed to a 529, saving you 3.07% = $518 ($1036) per year in taxes compared to a taxable investment. Even saving on taxes up to the kiddie tax limit each year would be clos...
by dickenjb
Fri Jul 25, 2014 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice choosing fund for college expenses (not 529)
Replies: 15
Views: 756

Re: Buying a car- 2011 Lexus IS 250 9k miles

Calm Man wrote:I think that a young man making 70K should spend as little as possible on a car, not buy himself a Lexus, even if used.


Somehow I doubt Lisa is a young man.
by dickenjb
Thu Jul 24, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Buying a car- 2011 Lexus IS 250 9k miles
Replies: 27
Views: 2028

Re: Anyone used Vanguard electronic money transfer

I didn't realize there were other ways to do it in this day and age. Paper check through the snail mail perhaps.

Yes I use EFT in both directions, have for over a decade with no issues or concerns.
by dickenjb
Thu Jul 24, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone used Vanguard electronic money transfer
Replies: 20
Views: 1454

Re: New Investor Coming From CD's Need Guidance.

You and your wife can EACH put $5500 a year into a Roth even if she has no income.

I concur that in commissioned sales you need a large emergency fund.

Read this in the wiki about using a Roth as an E fund.

http://www.bogleheads.org/wiki/Emergenc ... gency_fund
by dickenjb
Wed Jul 23, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor Coming From CD's Need Guidance.
Replies: 10
Views: 783

Re: Dumb 3rd grade math question about beach house rental

I have done this several times and in all cases given a discount to folks who stayed less than the full rental period.

I would do it the way several posters suggested:

$10,000/10 = $1000 per night cost.

8 nights split 3 ways

2 nights split two ways.
by dickenjb
Wed Jul 23, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 49
Views: 3402

Re: Inheritance: Cash or Investments?

cash unless there are IRA's involved - you want to stretch them
by dickenjb
Tue Jul 22, 2014 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance: Cash or Investments?
Replies: 15
Views: 1325

Re: Can I retire early?

Yes you can retire now. I would consider dropping equities from 70% to 60 or even 50%.
by dickenjb
Sun Jul 20, 2014 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire early?
Replies: 28
Views: 3897

Re: oil companies more risky

I think it is a bit dangerous to invest in any individual stock or any individual sector when you can own the entire market for 5 basis points a year.
by dickenjb
Sun Jul 20, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: oil companies more risky
Replies: 8
Views: 1005

Re: Visiting Japan

chaz wrote:See some of Kyoto.


+1

My favorite city in Japan and I have been to many. A short train ride from Osaka.
by dickenjb
Sun Jul 20, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: Visiting Japan
Replies: 16
Views: 1360

Re: When to Buy Air Tik to Florida

I would not wait, fares will likely get higher not lower.
by dickenjb
Sun Jul 20, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: When to Buy Air Tik to Florida
Replies: 9
Views: 1085

Re: Transfer of assets to child. Tax strategy

It should be noted that if you have signed up for Voice Verification at Vanguard, you can gift appreciated mutual funds (but not VBS assets) to your children without the need to fill out forms or obtain Medallion Signature Guarantees.
by dickenjb
Sun Jul 20, 2014 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer of assets to child. Tax strategy
Replies: 19
Views: 1128

Re: Just set up VG acct, can I combine household assets?

Of course her IRA will have to be in a separate account, but you can set things up that you can view both accounts in a household view.
by dickenjb
Fri Jul 18, 2014 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just set up VG acct, can I combine household assets?
Replies: 4
Views: 266

Re: Employer stock

The devil is in the details. How long do you have to hold the company stock after the "buy 2, get one free" deal? If it is one year or less, I would put 10% into my 401(k) and borrow the money to fund the first year or two of CS plan - then each year sell the stock I had bought to fund the...
by dickenjb
Fri Jul 18, 2014 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Employer stock
Replies: 5
Views: 526

Re: It is time to retire when you .......

I joke that I retired because my work was getting in the way of playing as much duplicate bridge as I liked. Except it wasn't really a joke. Had to work until 55 to get retiree medical and not get hosed on my pension. Worked 4 extra weeks past my birthday because my wife wanted me to and it wasn't w...
by dickenjb
Fri Jul 18, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9665

Re: If interest rates would ever reach double digits again

From the NYT: The term “certificate of confiscation” was coined in the late 1970s, when inflation was rising. “If you took the coupon payment, adjusted for inflation and taxes, you had a negative real return,” said Leon Cooperman, who may have been the first to use the term. Mr. Cooperman now runs O...
by dickenjb
Fri Jul 18, 2014 9:01 am
 
Forum: Investing - Theory, News & General
Topic: If interest rates would ever reach double digits again
Replies: 36
Views: 3008

Re: Yet another newbie's 403(b): fund/allocation advice, ple

Questions: -AMC/Net Asset Fee for all of the funds (i.e, not just the ones I listed, but the entire menu) are 0.35%. So am I understanding correctly that the expense ratio is (0.35% + net expense ratio)? Because that seems very high. Brace yourself - I'll bet dollars to donuts that somewhere in you...
by dickenjb
Fri Jul 18, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Yet another newbie's 403(b): fund/allocation advice, please
Replies: 8
Views: 558

Re: If interest rates would ever reach double digits again

I knew someone who told me they bought 30 year treasury bonds yielding around 16% in the late 70's or early 80's. I'm not sure about the exact rate, but it was somewhere in that neighborhood. In the late 70s and early 80s the yield curve was inverted. Short term interest rates were very high, long ...
by dickenjb
Fri Jul 18, 2014 8:42 am
 
Forum: Investing - Theory, News & General
Topic: If interest rates would ever reach double digits again
Replies: 36
Views: 3008

Re: Wife has no retirement options- is breadwinner

Bump your 401(k) from $14K annually to $17,500

Start a taxable account and invest in TSM, TISM

Start a 529 for your kid
by dickenjb
Thu Jul 17, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3215

Re: boglehead botanists...is this poison ivy?

When I lived in the Netherlands we bought a cheese flavored with stinging nettles. It tingled a bit on the tongue as you ate it.
by dickenjb
Thu Jul 17, 2014 8:31 am
 
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2457

Re: Can't decide to keep 401k with previous employer or move

The bad thing about rolling to an IRA is you lose the ability to do back door Roth if your income exceeds the direct Roth limit.

There is a thread going now about pros and cons of rolling ERISA protected account to IRA. Search and find it.
by dickenjb
Thu Jul 17, 2014 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Can't decide to keep 401k with previous employer or move
Replies: 29
Views: 2377

Re: Suggested AA for 529 to be used starting next year?

My older son is a junior in college and the younger one a senior in HS. I have them both 100% in ST Bonds. Idea was to "lock in" the gains which will soon be taxed at 0%. Rebalanced by buying equities in IRA as my goal is to be 60/40 across all my accounts.
by dickenjb
Thu Jul 17, 2014 8:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggested AA for 529 to be used starting next year?
Replies: 4
Views: 486

Re: POLL: Do you have a dedicated REIT allocation?

I have a dedicated percentage in REITs. It is market weight and held within VTSAX.
by dickenjb
Wed Jul 16, 2014 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6959

Re: Portfolio advice for 401K with no match & high ER

Your 401(k) plan is a real stinker.

You say your wife is SE - why doesn't she open a Solo 401(K) with Vanguard or Fidelity and the two of you max that out in addition to maxing his and hers Roths?
by dickenjb
Wed Jul 16, 2014 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for 401K with no match & high ER
Replies: 15
Views: 1295

Re: Likely about to lose job, planning for transition

Are you certain that ACA exchange is better than COBRA coverage?

I would stay as liquid as possible.

Maybe consider getting a HELOC approved now while you still have a job.
by dickenjb
Wed Jul 16, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Likely about to lose job, planning for transition
Replies: 21
Views: 2633

Re: Need Portfolio Advice

Just go three fund. AT 50/50, that would be:

TSM 40%
TISM 10%
TBM 50%

Or consider VWIUX in taxable instead of TBM in tax deferred.
by dickenjb
Wed Jul 16, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Portfolio Advice
Replies: 9
Views: 1245

Re: Your Favorite Appetizer Recipe

I am also a fan of ABT's (Atomic Buffalo T*rds), but be sure to use "Little Smokies" for the sausages and I sprinkle the cream cheese with a good quality BBQ rub (anything from The Dizzy Pig).
by dickenjb
Wed Jul 16, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite Appetizer Recipe
Replies: 9
Views: 1081

Re: Car insurance... do you include car rental?

I only insure against losses that would have a significant impact on my finances. I can self insure for a week or two in a rental car.
by dickenjb
Wed Jul 16, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car insurance... do you include car rental?
Replies: 33
Views: 2123

Re: Inherited a promissory note--what to do?

CABob wrote:I have no expertise or knowledge in the subject, but, since you indicate that the debtor is elderly you might consider waiting until he passes then submitting a claim against the estate.


+1

If the estate is not insolvent, you will have to be paid before the heirs get anything.
by dickenjb
Tue Jul 15, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited a promissory note--what to do?
Replies: 22
Views: 2420

Re: Costa Rica

We went to El Remanso on the Osa Peninsula. Highly recommended.

http://www.elremanso.com/

Also took a day drive to Vulcan Poas.
by dickenjb
Tue Jul 15, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 11
Views: 1718

Re: TSM OR tARGET RETIREMENT 2060?

Have you considered a 529 instead?
by dickenjb
Tue Jul 15, 2014 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM or Target Retirement 2060?
Replies: 6
Views: 715

Re: forced to rollover my savings.

If you want easy peasy I would go with Vanguard Life Strategy Conservative Growth. If more hands on, go 60% Total Bond, 12% Total International, 38% Total Stock. Since you are almost all tax deferred, I would strongly consider the one fund approach and enjoy your retirement. PS you want the Admiral...
by dickenjb
Mon Jul 14, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: forced to rollover my savings.
Replies: 8
Views: 846

Re: forced to rollover my savings.

If you want easy peasy I would go with Vanguard Life Strategy Conservative Growth.

If more hands on, go 60% Total Bond, 12% Total International, 38% Total Stock.

Since you are almost all tax deferred, I would strongly consider the one fund approach and enjoy your retirement.
by dickenjb
Mon Jul 14, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: forced to rollover my savings.
Replies: 8
Views: 846

Re: "Stocks and shares," different things? "Peter Pan"

I've always understood it as a British/American thing. But like many terms that are supposedly used differently in the two places, they are blurred in their actual usage. I find the best way to think of them is generic/specific as mentioned in schuyler74's post. Here's an example: Q: "Do you o...
by dickenjb
Mon Jul 14, 2014 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 39
Views: 2820

Re: In a crash, will you re-balance to maintain your target

Of course I would rebalance to maintain my target AA. That is what "buy, hold and rebalance" entails and it is what my IPS dictates. My AA is 60/40 by the way. In 2009 I did not have a set AA and bought equities all the way down, going to 92% equities in Nov 2008. It worked out very well f...
by dickenjb
Mon Jul 14, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4144

Re: Unique situation

Also, I got (suckered into?) buying life insurance for my child on the premise that it was somehow better than a 529 plan for college saving. I should have researched it more... or is that actually a decent alternative? If not, i'm not even sure how to get out of it. Not a good idea. You may want t...
by dickenjb
Mon Jul 14, 2014 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Unique situation
Replies: 17
Views: 2746

Re: Problem with Revoked Student Loan

MSchleicher wrote: In doing so, she was no longer able to qualify for the student loan she applied for (as she was attending graduate school less than part-time).


How does one attend school less than part time? By taking no credits at all?

Can she add a course to become part time?
by dickenjb
Mon Jul 14, 2014 8:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Problem with Revoked Student Loan
Replies: 5
Views: 884

Re: Moving from Midwest to Coastal Cities: COL Adjustment?

I grew up primarily on the east coast (Pennsylvania, DC, Florida) and lived for a short time in Seattle, but now live in St. Louis, MO. I agree with much of what is stated above. The midwestern lifestyle, though not glamorous, is far better that the coastal lifestyle. Better for people who like the...
by dickenjb
Mon Jul 14, 2014 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2539

Re: Other forums of same high Quality?

FlyerTalk is the travel equivalent of BH. I used what I learned there to accumulate 5 million frequent flyer miles and points before I retired. I am using them now to travel very cheaply.
by dickenjb
Sun Jul 13, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Other forums of same high Quality?
Replies: 6
Views: 1551

Re: Need More Help with Bad 401 K

Golden, could you look in your plan documentation and see if there is a Stable Value Fund ? There is a stability of principal called ING Fixed Account. Here is the description: The ING Fixed Account is available through an annuity contract issued by ING Life Insurance and Annuity Company (ILIAC). T...
by dickenjb
Sun Jul 13, 2014 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need More Help with Bad 401 K
Replies: 24
Views: 1901
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