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Re: Fidelity Premium

Fidelity account holder here >250k. Vanguard, Schwab, and Interactive Brokers also. Interactive Brokers has professional level security. In addition to a multi-factor security device, you can also restrict the IP addresses for access. You can set up additional user/pswd and fob and control separate ...
by dodonnell
Thu Feb 26, 2015 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Premium
Replies: 18
Views: 1786

Re: Accurate Market Data

Prices should be adjusted on the "ex-dividend" date. Prior to the market open.
Which site is using the correct and published "ex-dividend" date ?

http://finance.zacks.com/mutual-fund-definition-ex-record-dates-9225.html
by dodonnell
Sat Jan 17, 2015 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Accurate Market Data
Replies: 6
Views: 786

Re: Accurate Market Data

StockCharts seems to have updated WGROX already http://stockcharts.com/h-hd/?WGROX ... however, their adjusted price matches yahoo on FBIOX http://stockcharts.com/h-hd/?FBIOX I'm not sure if you can access historical data with a free account ? Historical Price Data: Note: Our price data is normally ...
by dodonnell
Fri Jan 02, 2015 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Accurate Market Data
Replies: 6
Views: 786

Re: HSA plan for 2015

Here are some of those other discussions: HSA Contribution and FICA taxes for S-Corp owner Tax laws for s-corps - HSA, worker's comp, and disability You can tailor the W2 tax treatment for your situation, for example, to include in Gross Income, but not in FICA, etc: QuickBooks also has an "HSA...
by dodonnell
Wed Dec 31, 2014 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA plan for 2015
Replies: 5
Views: 909

Re: Formula for dividend tax drag?

@richard

Very good. thanx
Happy New Year.
by dodonnell
Wed Dec 31, 2014 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: Formula for dividend tax drag?
Replies: 36
Views: 2289

Re: Formula for dividend tax drag?

..snip.. ... One the other hand, interest rates are usually a good proxy for risk, so if the national fund has a higher rate, it might be riskier. ... Modern Portfolio Theory contends that even if a portfolio of NY bonds is less risky then any other portfolio of any other individual state (ex. NY v...
by dodonnell
Wed Dec 31, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: Formula for dividend tax drag?
Replies: 36
Views: 2289

Re: HSA plan for 2015

In QuickBooks payroll:

Add a "Health Savings Account (HSA)" payroll item
Select "Tax tracking type" = "HSA Co. (Nontaxable)"

Your contributions will show up on paychecks and W2 correctly and avoid FICA and Federal taxes.
by dodonnell
Wed Dec 31, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA plan for 2015
Replies: 5
Views: 909

Re: Formula for dividend tax drag?

..snip.. NY LT tax exempt currently has the same SEC yield as TBM and has the same average duration. That makes it a relatively easy call for a taxable account, although it is less diversified than TBM. Vanguard Long Term Munis National LT tax exempt SEC yield = 2.35% NY LT tax exempt SEC yield = 2...
by dodonnell
Wed Dec 31, 2014 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: Formula for dividend tax drag?
Replies: 36
Views: 2289

Re: Formula for dividend tax drag?

@dodonnell, Those are additional reasons to hold equities in taxable (step-up and TIRA embedded tax). I don't really care about heirs other than my wife. Taxable accounts are joint, so there shouldn't be any tax issues or step-up for her. ..snip Joint accounts should receive at least a partial step...
by dodonnell
Wed Dec 31, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Formula for dividend tax drag?
Replies: 36
Views: 2289

Re: Formula for dividend tax drag?

..snip.. I'm leaning against equities in a TIRA (v taxable) because the more they grow the more they increase RMDs. ..snip.. If a bequest to heirs (including to a spouse) is also a consideration, then Estate Tax and tax liabilities passed to heirs should be added to the equation to optimize tax loc...
by dodonnell
Wed Dec 31, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Formula for dividend tax drag?
Replies: 36
Views: 2289

Re: Formula for dividend tax drag?

Doc, think we might be getting off track here. In reviewing the OP questions (emphasis added). What is the formula for the value of a stock in taxable paying dividends, given dividend yield , annual return, dividend tax rate , capital gains tax rate and years? ...snip... How do you incorporate payin...
by dodonnell
Sun Dec 28, 2014 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: Formula for dividend tax drag?
Replies: 36
Views: 2289

Re: Formula for dividend tax drag?

Doc, I remember playing with my father's Bell Labs issued slide rule which went hand in hand with his CRC Tables book. My slide rule for engineering undergrad was an HP-41C ;) The Formula simplified just for Dividends tax at Tdiv=15%, and a final liquidation Capital Gains rate of Tcg=20%, where Pdiv...
by dodonnell
Sun Dec 28, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Formula for dividend tax drag?
Replies: 36
Views: 2289

Re: Formula for dividend tax drag?



Confused, I don't see how this post addresses dividends or the OP question ?
by dodonnell
Sun Dec 28, 2014 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: Formula for dividend tax drag?
Replies: 36
Views: 2289

Re: Formula for dividend tax drag?

There is an exact formula for calculating the after tax future value for your scenario. Essentially, it is a form of your equation, but modifications to both the annual return and capital gains tax rate need to be calculated. For example, lets use an SP500 index fund that generates a 7% annual total...
by dodonnell
Sun Dec 28, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Formula for dividend tax drag?
Replies: 36
Views: 2289

Re: Happy Birthday, Marines!

Thank God for the Marines.

Happy Birthday
by dodonnell
Mon Nov 10, 2014 3:34 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 239th Birthday, U.S. Marine Corps
Replies: 20
Views: 1550

Re: "Should You Be a Dividend Stock Investor?"

As I have pointed out many times it's simply a framing issue--when you get a dividend and don't reinvest it you just sold stock, the same way you would have sold shares if the company paid no dividend. you make a disinvestment in the company, the amount you have invested goes down by the same amoun...
by dodonnell
Sat Nov 01, 2014 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: "Should You Be a Dividend Stock Investor?"
Replies: 33
Views: 3516

Re: Seeking Advice on MetLife VA Annuity

@futtee ..snip.. The real value of this type of annuity is that if we have a Down market, that your withdrawal amount actually goes up - the GWIB rider. Suggest you get Moshe Milevski, Life Annuity, An Optimum Product... , A more relevant Moshe Milevsky article for this situation is: What is a Guar...
by dodonnell
Thu Oct 23, 2014 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice on MetLife VA Annuity
Replies: 17
Views: 1212

Re: Now what? - Lost check to IRS

Fixed the link. My bad.

Your estimated tax payment is not late if it was mail on or before the due date.

EFTPS is very specific in directing payment to proper form. Whether you are filing 1040-ES 2014 or 941 Q3 2014 for a corporation.
by dodonnell
Mon Oct 13, 2014 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Now what? - Lost check to IRS
Replies: 9
Views: 1213

Re: Now what? - Lost check to IRS

I mailed my 2013 Tax Return with a paper check to the IRS on 4/15/2014. Certified Mail. They printed on the back of the check: my SSN, first 4 letters of my last name, the tax period 201312, and a date: 04192014. I assume this means they processed my check 4 days later on 4/19/2014. However, the pay...
by dodonnell
Mon Oct 13, 2014 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Now what? - Lost check to IRS
Replies: 9
Views: 1213

Re: Investing Advice [NYT article on "buying" investment adv

Interesting article. There are some specific situations when brokers must act as fiduciaries — for example, when they collect a percentage of total assets to manage an investment account .. snip .. Confusing? Absolutely. Is this true? Someone charging a percentage of AUM must be a fiduciary? I was ...
by dodonnell
Sun Oct 12, 2014 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: Investing Advice [NYT article on "buying" investment advice]
Replies: 9
Views: 1030

Re: I've never been a fan of commodity funds

As I never tire of posting: the long-term portfolio returns .. snip .. the higher returns, amigos! Gold was up about 4% in 2008 and had a CAGR of 14% from 1/1/2008 to 12/31/2010, so I would say that it did help in 2008. :moneybag Note: I'm not interested in commodities either, just gold. Yeh, gold ...
by dodonnell
Sat Sep 13, 2014 8:56 am
 
Forum: Investing - Theory, News & General
Topic: I've never been a fan of commodity funds
Replies: 28
Views: 2414

Re: I've never been a fan of commodity funds

thanx for the link to the great debate. Commodities sure looked good 10 years ago. They had ok returns over the prior 15 years, but look at those correlations with stocks and bonds. http://i60.tinypic.com/10hqddi.png If a professional money manager didn't have commodities in his global portfolio 10 ...
by dodonnell
Fri Sep 12, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: I've never been a fan of commodity funds
Replies: 28
Views: 2414

Re: Math Question re: Annualized Total Return

Very interesting posts. My take: 1. Daily returns are only compounded on trading days (252 days, not 365). 2. Fees are accrued daily, but compounded on each NAV update, which occurs only on trading days. 3. NAR is a realized annual return or a geometric daily return. It is not a daily return, annual...
by dodonnell
Wed Aug 27, 2014 9:55 am
 
Forum: Investing - Theory, News & General
Topic: Math Question re: Annualized Total Return
Replies: 6
Views: 908

Re: 12b-1 Fees

JPMorgan SmartRetirement 2050 C

The class used in your 401k most likely is very similar to this funds 12b-1 Fees of 0.75%.
by dodonnell
Tue Aug 26, 2014 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 757

Re: Callable municipal bonds

If their market price has been substantially above the "Call" price for the last few years, then they will most likely will be called. ... if their market price is below the "Call" price, then they most likely have credit problems, which means they cannot refinance and they won't...
by dodonnell
Mon Aug 25, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Callable municipal bonds
Replies: 6
Views: 473

Re: Fidelity settles lawsuits over its own 401(k) plan

$12M for 50k people is $240 per person. Also, Fidelity 401k participants will receive the " revenue sharing " payments from both the Fidelity mutual funds and the non-Fidelity mutual funds. These payments are in addition to the funds performance. These payments are usually hidden from the...
by dodonnell
Sat Aug 23, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity settles lawsuits over its own 401(k) plan
Replies: 5
Views: 577

Fidelity settles lawsuits over its own 401(k) plan

http://money.cnn.com/2014/08/18/retirem ... -lawsuits/

If you are a current or former Fidelity employee, the good news is that you may gain access to Vanguard, and other competitor funds in your Fidelity 401k.
by dodonnell
Sat Aug 23, 2014 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity settles lawsuits over its own 401(k) plan
Replies: 5
Views: 577

Re: commodity funds and currency risk

... snip... the world prices commodities in dollars. When the USD falls, there is more demand because the commodity is relatively cheaper. The effect is not perfect. It is however particularly noticeable in oil. Another factor is on the supply side, when the USD falls the Saudis may feel compelled ...
by dodonnell
Tue Aug 19, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: commodity funds and currency risk
Replies: 8
Views: 651

Re: commodity funds and currency risk

dodonnell Only problem is that there are correlations that matter. When dollar falls commodity prices tend to rise, as I explained. That helps offset the long dollar position, and vice versa Larry Let me see if i can hone in on what you are explaining: Would my previous post answer be more valid, i...
by dodonnell
Tue Aug 19, 2014 8:35 am
 
Forum: Investing - Theory, News & General
Topic: commodity funds and currency risk
Replies: 8
Views: 651

Re: commodity funds and currency risk

I want to add a 5% allocation to a broad commodity basket to my portfolio, but I've ran into a snag: I don't think I understand the potentially involved currency risk (if any). The thing is: I am located in Finland, so my local currency is the euro. I have a good understanding of currency risk when...
by dodonnell
Mon Aug 18, 2014 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: commodity funds and currency risk
Replies: 8
Views: 651

Re: CFA Results

Just passed Level II. Registered for Level III for June 2014. ... passed Level I this past December 2012. Just reading the CFA CBOK so far. Don't tell anybody, but I love this stuff. :wink: Bumped from July 2013: Found out that I passed Level 3 this past week. Putting together the application for m...
by dodonnell
Sun Aug 17, 2014 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: CFA Results
Replies: 30
Views: 3417

Re: I-bonds have doubled !!! thanx mel/taylor

leod wrote:very nice, i've been buying a few IBonds for the last five years with low rates. I wonder how long til those double in amount.


Try using the Rule of 72 ... and maybe 2.5% or 3% for long term inflation.
by dodonnell
Wed Aug 13, 2014 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: I-bonds have doubled !!! thanx mel/taylor
Replies: 26
Views: 4529

Re: I-bonds have doubled !!! thanx mel/taylor

..snip.. You might ask why the real growth rate is 3.10% and not the 3.00% fixed rate. ..snip #Cruncher, that is exactly what i was trying to figure out! You read my mind . These bonds would have done relatively fantastic during the Great Depression, due to the deflation. The expected return on an ...
by dodonnell
Wed Aug 13, 2014 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: I-bonds have doubled !!! thanx mel/taylor
Replies: 26
Views: 4529

Re: I-bonds have doubled !!! thanx mel/taylor

yes, well done.
... purchasing only a few years after they were introduced.
by dodonnell
Tue Aug 12, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: I-bonds have doubled !!! thanx mel/taylor
Replies: 26
Views: 4529

Re: I-bonds have doubled !!! thanx mel/taylor

Greenspam & Allan,

Congrats!

Am i correct in calculating the total annualized return on your 13 year old I bonds at about 5.5% ?
by dodonnell
Tue Aug 12, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: I-bonds have doubled !!! thanx mel/taylor
Replies: 26
Views: 4529

Re: 401k rollover screw up, what to do

It's always good to read up on your legal rights: http://www.dol.gov/ebsa/publications/wyskapr.html For example, if an employer did not forward participants’ 401(k) contributions to the plan, they would have to pay back the contributions to the plan as well as any lost earnings, and return any profi...
by dodonnell
Fri Jul 25, 2014 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover screw up, what to do
Replies: 10
Views: 710

Re: Cambria Global Value - Value Tilt

The composition reported in the last semiannual report doesn't look too much like the reference portfolio to me. ..snip.. Vanguard Mid-Cap ETF 1,799 197,926 WisdomTree Emerging Markets Equity Income Fund 1,739 88,741 WisdomTree International SmallCap Dividend Fund(a) 7,854 494,252 Total Equity Fund...
by dodonnell
Mon Apr 14, 2014 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Cambria Global Value - Value Tilt
Replies: 44
Views: 5487

GTAA performance

Mebane Faber updated his paper in 2013: http://papers.ssrn.com/sol3/papers.cfm?abstract_id=962461 to include 2012 performance. The 5 asset class portfolio used to construct the benchmark for GTAA he calls the "Buy & Hold" (B&H) portfolio and would likely be considered un convention...
by dodonnell
Sat Apr 12, 2014 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Cambria Global Value - Value Tilt
Replies: 44
Views: 5487

Re: Yahoo changes are awful - what homepage do you like?

so much for using ca.my.yahoo.com or au.my.yahoo.com ... they must have detected my USA ip address and are giving me notice on both sites that i will redirected to my.yahoo.com after March 24th. :( http://i62.tinypic.com/2cnwqqb.png http://i58.tinypic.com/4h4844.png
by dodonnell
Fri Mar 21, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo changes are awful - what homepage do you like?
Replies: 66
Views: 6212

Re: Yahoo forcing switch off ca.my.yahoo.com

I switched from my.yahoo.com to ca.my.yahoo.com 2 months ago due to "portfolios" (i track several portfolios). ca.my.yahoo.com just informed me the are forcing me to my.yahoo.com on March 24th. I am now on the hunt for a long term solution for a new home page. ... after 18 years :( I'm al...
by dodonnell
Mon Mar 17, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo changes are awful - what homepage do you like?
Replies: 66
Views: 6212

Yahoo forcing switch off ca.my.yahoo.com

I switched from my.yahoo.com to ca.my.yahoo.com 2 months ago due to "portfolios" (i track several portfolios).

ca.my.yahoo.com just informed me the are forcing me to my.yahoo.com on March 24th.

I am now on the hunt for a long term solution for a new home page.
... after 18 years :(
by dodonnell
Thu Mar 06, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Yahoo changes are awful - what homepage do you like?
Replies: 66
Views: 6212

Re: CFP BoD Chair, Ethics Commission Members Resign Amid All

CFP Board Chair, Ethics Commission Members Resign Amid Allegations - Nov 2012 It's been over a year ... and CFP has disclosed little to the public about this, except that Goldfarb's characterization of his violations are not correct. I believe they have yet to disclose the names of the other member...
by dodonnell
Thu Jan 02, 2014 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Becoming a CFP . . .
Replies: 28
Views: 2453

CFP BoD Chair, Ethics Commission Members Resign Amid Allegat

CFP Board Chair, Ethics Commission Members Resign Amid Allegations - Nov 2012 It's been over a year ... and CFP has disclosed little to the public about this, except that Goldfarb's characterization of his violations are not correct. I believe they have yet to disclose the names of the other member...
by dodonnell
Wed Jan 01, 2014 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Becoming a CFP . . .
Replies: 28
Views: 2453

Re: Just returned new laptop with Window 8.1

So what can you do with Windows 8, that you can't do with Windows 7, or for that matter Windows XP ? We have a "business rule" at my company that requires a significant increase in capability to justify the cost and risk of a software upgrade. ... it's amazing how few upgrades can be justi...
by dodonnell
Fri Dec 27, 2013 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Just returned new laptop with Window 8.1
Replies: 104
Views: 9331

Re: For munis, bond fund or ladder

Make sure you can calculate YTW, not YTM, as the most frequent error i see is neophytes buying premium bonds with a high YTM, but a short/low, zero, or negative YTW. MSRB does not calculate YTW for you ... you need to look up the Call, or use a site like Fidelity, etc. to calculate it for you. Most ...
by dodonnell
Fri Dec 13, 2013 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: For munis, bond fund or ladder
Replies: 116
Views: 11568

Re: For munis, bond fund or ladder

Met with Vanguard's Muni Bond Management team at the Bogleheads reception this past October.

They manage roughly $280,000,000,000 in municipal bonds.

They get roughly half their bonds in the secondary market.

... and it sounded like they have one hell of a pretty good radar screen

good luck.
by dodonnell
Thu Dec 12, 2013 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: For munis, bond fund or ladder
Replies: 116
Views: 11568
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