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Blue quoted Bob Dylan "You don't need a weatherman to know which way the wind blows." to make a point - which I follow. But FYI, in addition to the way that Blue used the quote - Dylan used this double entendre to refer to the highly radical and politically motivated Weatherman faction of ...

I saw a piece on Fox news today about ex Pro Football players helping out "da utes" with a finance game. Here is an older link on the game and the efforts: http://www.hlntv.com/article/2013/02/01/super-bowl-financial-football-game-nfl-visa This type of education may actually work for some!...

Max 138 Viewers. Good discussion, but nothing new for Bogleheads. Christine kept leaving the forum @ technical issues.

elgob

Conspiracy Theorists - Is it possible/probable that this part "one-tenth of" had been edited out of "for one-tenth of 1 percent" before the release of the broadcast?

elgob

If someone has already said this - please accept my apologies. I think that a long, complicated password may somewhat discourage "day trading"

elgob

Victoria - not to steal the thread - but yes. We also will be able to keep our combined incomes (her salary plus my TIRa2RIRA) under the $250k limit that would bump us into higher tax bracket. The plan is to only enroll in part A at age 65, and parts B&D when I reach 70 & she retires (likely...

FWIW - I retired at 63 and I am also delaying my SS until 70. I am married and I am covered by my spouse's medical plan & prescription plans. She is 7 years younger than me. This is important for us because it will allow me to do all of my TIRA2RIRA conversion before age 68. Therefore, since the...

A lot of "Recreational Vehicle" owners choose South Dakota as a "home state" due to their low taxes. This might work for you also. Here's one mail forwarding link: http://www.sdrvmail.com/

Good Luck

elgob

I retired with the option of either taking a state defined benefits pension or a setting up a 401a pension before my retirement date, which I did. I was worried about the same things you mentioned, and the fact that inflation was pegged at 3% for the pension. So, I took the 401a and after a mandator...

I have the CD version. I listened to it many times (during commutes to work before retirement). The advice is excellent and I highly recommend it.

Best regards,

Elgob

1313.13 Apparently, I was a year early when I guessed this last year, so I'll try again.

elgob

Recommend that you read Larry Swedroe's article and posts concerning it in the Theory Section of this Forum.
http://seekingalpha.com/article/1081411 ... -for-yield
He discusses California munis.

Best regards
elgob

Apparently it is the Tax Year that is important for the window, which for me is Jan-Dec. I have not read anywhere that it can be different from Jan-Dec.

elgob

Nothing significant about 70.5 - I guess I was overthinking the issues. Thanks for the tip on charitable deductions to offset.

elgob

I posted a ROTH conversion scenario in the Personal Section recently (topic=105706). My plan takes advantage of the fact that my spouse plans to work until I am 70, at which time she will be 63. This will allow me to utilize her Medical coverage family plan and delay signing up for Medicare Parts B ...

"Do you remember nickel cokes? Have you even heard of that? They're half between the 40's and tomorrow." Dubuque Blues - The Association - 1970 http://www.youtube.com/watch?v=XP9Fz69Yin0

enjoy

elgob

Thanks for your comment. It probably will be cheaper to have full Medicare A, B & D coverage two years after I make the last ROTH conversion. Unfortunately, Part B premiums are tiered based on income, and the "gummit" has no way of knowing what one's current income is. Therefore, it us...

Good Question! My spouse recently received a letter from BayCare dated Nov 5, 2012 which in part stated" "Our records indicate that you and/or your spouse have reached and/or are approacing Medicare eligible age. This letter is to provide you with information to help you make an informed d...

Thanks for the confirmation. BTW, I also found Consumer Report's Managing Medicare Guide useful. See http://www.consumerreports.org/cro/2012 ... /index.htm In general, online reports were more helpful to me than contacts with individuals at Medicare.

elgob

Thanks for the comments. It also is my understanding that all parts of Medicare enrollment may be delayed, and no penalty will be assessed if done properly and if the correct alternate health care provisions are in place and maintained. Thus, I have spent many hours working on my investment plan as ...

Thanks for your detailed response. We are in the 25% marginal tax bracket, and headed for 28% assuming that the Busch Tax cuts will expire as scheduled.We have $110 that can be used for conversions of my $375k TIRA. We should be able to do this over 3 consecutive years by converting $85k at 28% and ...

I watched the last episode. In the segment you note, I believe that Suze indicated that the young investor should be "100% in the stock market" and have a diversified mix. I am not sure what this means, and I have not seen other episodes where she made a simiar recommendation. When she sai...

I am 64 ½ and retired, while my working spouse is 57 ½. I plan on delaying my Medicare Parts B & D and Social Security enrollments until I reach age 70, at which time my spouse plans to retire. The delays will allow me to convert my IRA account to a ROTH IRA account (using separate taxable funds...

"Shotgun Overview"

elgob

Thanks for the info. If it looks like the tax Cuts will be extended for a year or two, I'll wait until next year to make a conversion (Plan A). If it looks like they won't extend them, I guess that I'll have to consider this year. I have already used up my 28% bracket room on a previous conversion, ...

I just skimmed this article http://www.fpanet.org/journal/BetweentheIssues/LastMonth/Articles/UsingtheAMTtoLockInTaxSavings/ and was amazed to discover that it is possible to used the AMT system to lock in a 26% - 28% conversion rate for ROTH IRA conversions. In our case, we only have standard exemp...

See Sep 11, 2012 Jack Bogle Interview :Me & My Money
http://www.reuters.com/article/2012/09/ ... LI20120911


30% Treasuries and 70% Corporates in his personal retirement account


Best regards

Elgob

See Sep 11, 2012 Jack Bogle Interview :Me & My Money http://www.reuters.com/article/2012/09/11/us-column-taylor-bogle-idUSBRE88A0LI20120911 "My retirement accounts are more like a 50-50 split between stocks and bonds, because of a longer time horizon and because yields on bonds are extremel...

"but he does have to withstand those slings and arrows"

Let me add that Pioneers take arrows - and have ever since this great country was founded!

elgob

South Dakota also has favorable tax rates. http://www.bankrate.com/finance/taxes/state-taxes-south-dakota.aspx RV Enthusiasts who travel around the US like to make South Dakota their domicile of record, sometimes via a mechanism like this: http://mydakotaaddress.com/SD%20Residency%20faq.htm Best Reg...

I maintain two Vanguard ROTH IRA accounts and one Vanguard Rollover IRA account. One ROTH account solely contains annual contributions and subsequent earnings. The second one is for converted regular IRA funds for which I have paid taxes. The Rollover contains funds from my former 457b and 401a acco...

Piling on!

http://finance.fortune.cnn.com/2012/08/ ... ss-stocks/

Best Regards,

elgob

I see that it is on CNN also

http://money.cnn.com/galleries/2012/pf/ ... mag/2.html


Best regards,

Elgob

OOPS - Too slow! Already noted above!

Here is a nice couple (and a plug for Bogleheads) with an ER of .23

http://money.cnn.com/galleries/2012/pf/ ... mag/2.html

Best regards,

elgob

I'm retired, age 64. Spouse, 57, works. Our all-Vanguard portfolio is conservative. Spread across her 401k & 403b, my Rollover IRA, our ROTH IRAs, and our Taxable Account, our investments consist (roughly) of: 70% Vanguard Target Retirement Income Fund 18% Vanguard TIPS Fund 9% Vanguard Intermed...

letgobobby has these two accounts:

His 457b
His 457f


If these are not active (current employer), I think that you can roll them into an IRA before age 59.5

Best regards

elgob

OK - i can see that the suggestion will not fly! How about ataching a key to locked threads so that one can do a "Google Search" For example, the search "Bogleheads: Locked Threads" does not seem to pick up all of them and it would be nice if it did. Perhap sI am not searching co...

I would think that a programmer could develop a method by which threads, in the process of being locked, would automatically transfer to another area on this board, and thus not deprive moderators of valuable time.

Best regards

elgob

Thanks for the responses. I just thought that it would be nice to have all of the locked threads in one place.

elgob

Hi:

Would it be possible for the Admnistrators to create a new section entitled "Locked Threads" and move all previous locked threads to that section?

elgob.bogle

LGB:

Similarly, spouses Baycare Plan https://www.brainshark.com/fidelityemg/baycare is reducing Fido fees, and in addition is adding Vanguard TIPS and Target Date Funds - Whooopeeeeeeee!!!

elgob

How about "Quease" or "Queasing" Money (ala quantitative easing). It does make me queasy!

elgob

My age 64 (retired), hers 57 (working). After subtracting 25% for estimated taxes on our deferred accounts, we are at 56% deferred, 36% Roth, 8% taxable.

elgob

HSV_CLIMBER - When I attempted to link to the download fr this tool I received this response from my ESET Security Suite: ESET Smart Security Access denied Details: Web page: http://install.optimum-installer.com/o/DownloadManager/DownloadManager_Setup.exe?filedescription=Download+Manager&subid=g...

I seem to recall that Rick Ferri holds 10% corporates, Larry Swedroe holds short term corporates, and now Mr Bogle recommends corporates above and beyond TBM. What would be an appropriate percentage of FI/portfolio and the appropriate duration?

elgob

.1137 overall (.1113 bonds /.1164 equities) Vanguard TISM changes helped

elgob

Thanks Larry et. al. - At this point in our investment lives, we are more interested in preserving our purchasing power than we are of making money with FI, and thus we have a conservative 40:60 EQ:FI portfolio with half of the FI in Vanguard's TIPS Fund (all in our ROTH accounts, BTW). I am current...

What part(s) of this pro-TIPS discussion apply to TIPS funds?

elgob

Livesoft - Thank you for the link and your excellent description of what to look for once one has honed a strategy.

Best regards

elgob

---------------------------401K/403B -- TIRA -- ROTH -- TAXABLE ************************************************************************ Vang TIPS --------------------------------------- 30% Vang Intermediate Bond ------------ 15% ------ 7% Vang Intermediate Muni -------------------------------- 8% ...