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Re: Otar - Tactical Asset Allocation

livesoft wrote:But even Jack Bogle seems well-regarded on this forum, yet folks do not take his advice when it comes to small-cap and value tilting.


Or even lack of investing in foreign equities.

Take the "best of the best", I say.
by dickenjb
Fri Apr 18, 2014 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Otar - Tactical Asset Allocation
Replies: 7
Views: 730

Re: Investing a financial settlement

Max all tax advantaged accounts each year: 17.5k + 5k to 401k, 6500 each to Roth IRA. Any other that you max use such as Flex plans. Are you sure kids won't be eligible for aid? Will several be in college at same time? +1 You should be maxing out your tax advantaged accounts. Does your employer lim...
by dickenjb
Fri Apr 18, 2014 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing a financial settlement
Replies: 10
Views: 422

Re: Only 3 Index Funds in Pension Plan, Can't Decide

As far as expenses go, I would say there is no material difference. If you expect to retire in Hong Kong, the 1/3 in each approach has merit. If you expect to retire to US or Europe - more weight there might make sense. Or you might go market weight in each of the 3 regions. Just whatever you do, do...
by dickenjb
Fri Apr 18, 2014 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Only 3 Index Funds in Pension Plan, Can't Decide
Replies: 6
Views: 489

Re: ESPP Shares - What to do?

Don't let the tax tail wag the investment dog. Sell and reinvest the proceeds in VTSAX or other broadly diversified fund.
by dickenjb
Fri Apr 18, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: ESPP Shares - What to do?
Replies: 17
Views: 838

Re: *poor* Bogleheads

As seen by the threads on this forum there is a wide range of methods for saving and living below your means. Some seek to shave their shaving costs. Others carefully choose their next luxury vehicle. What is important is your approach, not what others do. We end up at a destination determined by t...
by dickenjb
Fri Apr 18, 2014 8:58 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5133

Re: Inherited IRA Options - need some help

I would go with Alan S's advice. He is the expert.
by dickenjb
Fri Apr 18, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA Options - need some help
Replies: 8
Views: 667

Re: Newly Widowed, what to do with the life insurance money.

Herekittykitty wrote:I have been lurking for a long time, and am coming out of lurk mode to respond to Morningstarc's post.....


What an excellent and touching first post. A lot of sage advice from someone who has been in the OP's shoes.

Welcome, Herekittykitty!
by dickenjb
Fri Apr 18, 2014 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Newly Widowed, what to do with the life insurance money....
Replies: 28
Views: 3203

Re: Draft email to investment advisor re outperforming Total

Let's see, your portfolio is burdened by 40 bps of management fees and 1% of tax costs and you expect your advisor to come close to a broad market index? Ain't gonna happen or if it does it will be the rare year or quarter when it does happen. Bear in mind if you have zero basis stock some of the ta...
by dickenjb
Fri Apr 18, 2014 8:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Draft email to investment advisor re outperforming Total Mar
Replies: 24
Views: 2284

Re: *poor* Bogleheads

I must admit I have a similar but different feeling. I sometimes feel there should be a separate sub forum for those who don't believe in deprivation. I get tired of reading all the threads about people giving up cable TV, using the same razor blade for a year, and using a flip phone from 2000 on a ...
by dickenjb
Fri Apr 18, 2014 7:57 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5133

Re: Little to no income for 2 years- take IRA RMDs up to 37k

Second, what is the benefit of "keeping the money tax-deferred" other than potentially withdrawing it at a lower tax rate upon retirement instead of during the peak of your annual income? There may be a very simple/obvious answer to this, but I just wanted to make sure there aren't "...
by dickenjb
Thu Apr 17, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Little to no income for 2 years- take IRA RMDs up to 37k?
Replies: 14
Views: 1141

Re: "Bonds were priced to return approximately as much as st

Going forward, the expected return on bonds is the coupon.

The expected return on stocks is the current dividend yield plus the dividend future growth rate plus/minus any change in P/E ratios. This last component is what Jack Bogle refers to as "speculative return".
by dickenjb
Thu Apr 17, 2014 10:21 am
 
Forum: Investing - Theory, News & General
Topic: "Bonds were priced to return approximately as much as stocks
Replies: 1
Views: 377

Re: 401k in-service withdrawals

I do hope the company does some matching, otherwise this is a pretty poor plan. I would move the money annually if permitted. I don't like paperwork. My company only allowed ISW of company matching contributions - not employee before tax contributions. I used this loophole to sell employer stock bac...
by dickenjb
Thu Apr 17, 2014 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k in-service withdrawals
Replies: 16
Views: 844

Re: Help looking for ways to get to 50-50

She has enough ($300K) that she should consider the Three Fund Portfolio.

Total Bond in tax advantaged.

Total International in taxable.

Fill the remaining space in each with Total Stock.

Rebalance once a year.

Easy peasy.
by dickenjb
Thu Apr 17, 2014 10:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 14
Views: 734

Re: Central AC and Forced Hot Air Heat (Gas)

tibbits, curious to know who made your unit. I put in a Trane system with 10 year parts & labor warranty. Last June we came back from a family holiday in Costa Rica to a house at 88 degrees. After replacing the refrigerant several times they finally found the leak in the inside coil. Fortunately...
by dickenjb
Thu Apr 17, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: Central AC and Forced Hot Air Heat (Gas)
Replies: 14
Views: 864

Re: Central AC and Forced Hot Air Heat (Gas)

If you have an old school furnace you might want to upgrade to a dual stage furnace with a variable speed fan at the same time you replace the AC. If your furnace is less than 80 AFUE it might pay to replace it as well. The variable speed fan allows the AC to run more efficiently as it runs on slow ...
by dickenjb
Thu Apr 17, 2014 8:41 am
 
Forum: Personal Consumer Issues
Topic: Central AC and Forced Hot Air Heat (Gas)
Replies: 14
Views: 864

Re: Tax Efficient "Gifting" for K-12 private school tuition

If the beneficiaries of the IRA were set up properly, your GF should have an inherited IRA set up for her benefit! Do not make the mistake of cashing out the IRA and paying all that federal income tax! (You confused us when you called it inheritance tax - it is nothing of the kind). She will need to...
by dickenjb
Thu Apr 17, 2014 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Efficient "Gifting" for K-12 private school tuition
Replies: 15
Views: 772

Re: "At Vanguard my voice is my password"

In addition to allowing me to gift appreciated securities to my children (Vanguard open ended funds only), it also allows you to wire money to a third party. I have used it twice when my wife buys a horse. The first transaction used to require a lot of paperwork and a MSG. The second was not possibl...
by dickenjb
Thu Apr 17, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: "At Vanguard my voice is my password"
Replies: 24
Views: 2148

Re: IRA deduction or contribution limits if you have solo 40

If your permitted contribution to the solo K is "really tiny" you always have the option of NOT contributing to it. In other words, if I had the choice between putting $200 into a solo K for year 2013, but then my income was too high to deduct a $5500 TIRA contribution - well, I would pass...
by dickenjb
Wed Apr 16, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA deduction or contribution limits if you have solo 401k
Replies: 3
Views: 130

Re: Tax Efficient "Gifting" for K-12 private school tuition

There is no Federal estate tax for estates under a very large value - was $5.25 million, may be more now.
by dickenjb
Wed Apr 16, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Efficient "Gifting" for K-12 private school tuition
Replies: 15
Views: 772

Re: Looking for Low-Cost Eyeglass Shop I can visit

Costco. My wife and MIL are very satisfied. I had Lasik and don't need glasses anymore. Otherwise I would go to Costco.
by dickenjb
Wed Apr 16, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 1379

Re: Financial check-up request and unusual 403(b) question

Need your marginal tax rate, not effective.

At $200K HHI, your wife probably should fund 401(k), not Roth 401(k), Her choices are pretty poor - high expense and no large cap blend? I would not fund beyond employer match.

Can't advise on pastor 401(b).
by dickenjb
Wed Apr 16, 2014 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial check-up request and unusual 403(b) question
Replies: 12
Views: 438

Re: Child's Roth

It was/is a 1099. I'm new here but already love this group. I hope you don't mind if I stick around Thank you! To everyone ~Tove We would love you to stick around. It is a great community. Turbo Tax will give you the correct answer, as does my CPA, but I like to understand the logic behind the calc...
by dickenjb
Wed Apr 16, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1392

Re: Reducing employer stock exposure

A good rule of thumb is to limit your exposure to company stock to 10% of your net worth.

Until you get to the point in your career where in addition to RSU's they start loading you up with options, you should be alright.
by dickenjb
Wed Apr 16, 2014 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Reducing employer stock exposure
Replies: 5
Views: 309

Re: Options used to fund ROTH after retirement?

dickenjb - Any portion of “Wages, tips, other compensation” that’s also reflected in the box labeled “Nonqualified plans” doesn’t count as “compensation income” for this purpose. You have probably been making illegal contributions to your IRA. Bruce By the way, not only are you wrong on this point ...
by dickenjb
Wed Apr 16, 2014 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Options used to fund ROTH after retirement?
Replies: 11
Views: 543

Re: Child's Roth

tovetove is incorrect if it is W2 compensation - you get to put in the entire contents of Box 1 less Box 11, or $5500 whichever is less. He is correct on 1099 compensation - the allowed contribution is compensation, less any business expenses, less 1/2 SE tax . This puts the SE person on equal footi...
by dickenjb
Wed Apr 16, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1392

Re: Options used to fund ROTH after retirement?

dickenjb - Any portion of “Wages, tips, other compensation” that’s also reflected in the box labeled “Nonqualified plans” doesn’t count as “compensation income” for this purpose. You have probably been making illegal contributions to your IRA. Bruce You are right on the first point and wrong on the...
by dickenjb
Tue Apr 15, 2014 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Options used to fund ROTH after retirement?
Replies: 11
Views: 543

Re: Child's Roth

- What custodian will allow retirement accounts for minors - as far as I know it's not Vanguard but could well be wrong. You are wrong. Both of my children's Roth IRA's are with Vanguard. Vanguard will not let you open the account online if the beneficiary is a minor. Has to be done "old schoo...
by dickenjb
Tue Apr 15, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1392

Re: Child's Roth

Well I have my 20 year old in Vanguard TR2050 and the 17 year old in TR2055, so TR2060 for a 5 year old sounds about right. Especially since Vanguard does not offer TR2065 yet. :happy My children have summer jobs as lifeguards. It is all on the up-and-up. I let them keep 100% of their net, and I mat...
by dickenjb
Tue Apr 15, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1392

Re: Options used to fund ROTH after retirement?

papiper, I can assure you they do count. The safe harbor for IRA contributions with respect to W2 income is Box 1 less Box 11. My option profits (NSO's) show up in Box 1 on a W-2 from my former employer. I make sure to exercise enough options each year to realize $13,000 of income to cover Roth for ...
by dickenjb
Tue Apr 15, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Options used to fund ROTH after retirement?
Replies: 11
Views: 543

Re: Investments/Allocations

Looks great to me although I personally would not have added the international bonds. Ignore your friend who says you have to fund your retirement cash flow needs with dividends. Quite frankly, he does not know what he is talking about. You have a well diversified and low cost portfolio. You can exp...
by dickenjb
Tue Apr 15, 2014 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments/Allocations
Replies: 11
Views: 655

Re: How far in advance to look for rental house or apt?

If it is of any help, I just got back from a week in Reno and my wife and I spent several nights in the Residence Inn just south of town. It was a nice place and they even give you dinner 3 nights a week as well as breakfast every day. Stays of 30+ days are only $99 a night. This was my first visit ...
by dickenjb
Tue Apr 15, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Moving to Reno: When to look for a rental?"
Replies: 12
Views: 580

Re: IRA Contributions AFTER 70 1/2 years of age??

You must be under 70.5 years age to contribute in a traditional IRA. However, no age limit for ROTH IRA as long as other criterion satisfied. i.e. earned income. Actually you don't even need earned income, just compensation. That includes W-2 income, self employment income, non taxable combat pay, ...
by dickenjb
Tue Apr 15, 2014 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA Contributions AFTER 70 1/2 years of age??
Replies: 12
Views: 733

Re: Almost out of time: Roth, Intrm Investment OR Intrm Bond

You are overanalyzing this. Either will be fine. You are talking about a $5500 investment.
by dickenjb
Tue Apr 15, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Almost out of time: Roth, Intrm Investment OR Intrm Bond Idx
Replies: 13
Views: 505

Re: New homeowner: lawn care advice

I have never owned a lawnmower. Lawn service is easily outsourced for cheap. I estimate it would take me at least 2 hours to cut and trim my 30,000 ft2 lawn. I earn $400 if I consult for 2 hours. I pay $49 to have the lawn done. Note that I mowed lawns as a summer job in high school. Like Scarlett O...
by dickenjb
Tue Apr 15, 2014 8:21 am
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 49
Views: 3259

Re: Social security benefits as spouse and pension benefits.

And you started a brand new thread for this because...?
by dickenjb
Mon Apr 14, 2014 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social security benefits as spouse and pension benefits.
Replies: 5
Views: 583

Re: traditional ira question

So I guess this is a non deductible traditional ira contribution backdoor into Roth. Do I have to amend my 2013 return at all, or do everything for this when I file my 2014 taxes? As I said, you need to file Form 8606 with your 2013 return to document that you made a nondeductible IRA contribution ...
by dickenjb
Mon Apr 14, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: traditional ira question
Replies: 17
Views: 492

Re: traditional ira question

No cutoff but most back door practitioners prefer to do it quickly as the earnings are taxable to you. But they will be taxable in 2014 regardless of whether you do the conversion before or after 4/15.
by dickenjb
Mon Apr 14, 2014 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: traditional ira question
Replies: 17
Views: 492

Re: traditional ira question

Solo K maxed out or not is irrelevant. If a contribution was made for 2013, you are considered "covered by a plan at work". Back door is the way to go for you. You do not have to convert tomorrow. You can do it whenever you wish. I think you need to file form 8606 to document your non dedu...
by dickenjb
Mon Apr 14, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: traditional ira question
Replies: 17
Views: 492

Re: traditional ira question

Yes it is.

But you are only considered "covered" if you and/or your business made a contribution for you in the tax year in question.
by dickenjb
Mon Apr 14, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: traditional ira question
Replies: 17
Views: 492

Re: Late Roth Contribution - have to amend taxes?

Quick question for a friend, She has already files her taxes for 2013 but didn't make an IRA contribution. Can she still do a Roth before 4/15 anyway - she doesn't qualify for the traditional. I googled a bit and it seems the answer is Yes - and with the Roth she wouldn't have to amend her tax fili...
by dickenjb
Mon Apr 14, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late Roth Contribution - have to amend taxes?
Replies: 6
Views: 302

Re: Help with Improving my Portfolio

I do not understand: 1) How you have no idea what you will spend in retirement and 2) Why you will have no social security benefit - either your own or ex spouse or widow benefit It seems to me if you are not able to live on roughly $36K of income from a $900K portfolio that this is a train wreck si...
by dickenjb
Mon Apr 14, 2014 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Improving my Portfolio
Replies: 45
Views: 2607

Re: Older and Wiser - Allocation Advice After Rookie Mistake

Is it ok to hold just US large equities with VFIAX Vanguard 500 Index Admiral? I'm concerned that I don't have enough US market coverage. I wish I had access to a Vanguard total US market index fund in my 401k. Six of one, half a dozen of the other. I personally would add the SC to the mix. But as ...
by dickenjb
Mon Apr 14, 2014 8:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Older and Wiser - Allocation Advice After Rookie Mistake
Replies: 16
Views: 2109

Re: Help with Wife's 401k Plan

Is your ASRS a defined benefit (pension) plan? If so, I would not worry too much about the pension plan's AA - that is their business and they are obligated to pay you a percentage of your last salary. I would consider going all in with the Target 2050 fund in your wife's 401(k). Cheap at 0.1% and h...
by dickenjb
Sun Apr 13, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Wife's 401k Plan
Replies: 6
Views: 372

Re: Help with Wife's 401k Plan

Vince at a minimum we need her expense ratios and your 401(k) choices as well.

Yes her account is a mess. A Target Retirement fund is meant to be a one fund solution. Mixing it with other funds is senseless. But we need to see costs!
by dickenjb
Sun Apr 13, 2014 6:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Wife's 401k Plan
Replies: 6
Views: 372

Re: Costa Rica?

We stayed 5 nights in an ecolodge on Osa Pensinsula. Our cabin was on stilts and our windows were at canopy level. El Remanso - not cheap but worth it.

Also stayed a couple of nights in Alajuela and drove to Vulcan Poas - that was fun.

Ticos are very friendly and we thoroughly enjoyed our trip.
by dickenjb
Sun Apr 13, 2014 7:14 am
 
Forum: Personal Consumer Issues
Topic: Costa Rica?
Replies: 14
Views: 1380

Re: suggestion for awd luxury sedan

I love my 2010 Lexus LS460. Like you, I have had very good experience with Lexus cars.

I can see going for the Hyundai if the $$ savings is important but you say it is not. The Genesis did get very good reviews in Consumer Reports.
by dickenjb
Sun Apr 13, 2014 7:10 am
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 39
Views: 2871

Re: deferred comp plans

^ Correct. Note how in the deferred comp example you have $66.44 after withdrawal, which is the same $66.44 you have in taxable before applying taxes. Thus my assertion that gains are not taxed in a deferred comp account. At all. I look at it this way: I earn $100 and am in 25% bracket. I defer $100...
by dickenjb
Sun Apr 13, 2014 7:06 am
 
Forum: Personal Finance (Not Investing)
Topic: deferred comp plans
Replies: 20
Views: 1406

Re: Newly eligible for a 401k-Allocation question

Your best bet is to roll the 401(k) over to a TIRA when you start grad school and convert it to a Roth IRA - just enough each year that you pay no or very little Fed income tax.
by dickenjb
Sat Apr 12, 2014 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly eligible for a 401k-Allocation question
Replies: 14
Views: 565

Re: Online Retirement Calculators

FIREcalc is decidedly not the best, but probably the easiest to use and provides very entertaining graphical output. Fidelity Retirement Income Planner is probably the best but is a lot of work to use. FIREcalc is great for a quick and dirty if you are 10+ years away. FIDO RIP if you are <5 years fr...
by dickenjb
Sat Apr 12, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online Retirement Calculators
Replies: 17
Views: 1686
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