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Re: Who still have Cable TV?

Every time I ask the cable company to drop my TV service they threaten me that they will raise the price of my internet service even more. So I pay for TV I don't watch.
by furwut
Fri Apr 24, 2015 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 2580

Re: Has anyone changed their asset allocation

More on International Diversification A Bogelhead kindly PM'ed me pointing out this section in the Bogelhead Wiki on Vanguard's Target Retirement Funds : 2015 target retirement changes On February 26, 2015, Vanguard announced "the international equity allocation for both types of funds [target ...
by furwut
Tue Apr 21, 2015 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone changed their asset allocation
Replies: 58
Views: 3378

Re: does this withdrawal method make any sense?

Earlier this year Dirk Cotton, who writes a blog called the Retirement Cafe, posted a series of very interesting articles discussing game theory and its application to selecting a retirement income strategy. This first post is a brief intro to game theory A Tiny Bit of Game Theory Then the first in ...
by furwut
Tue Apr 21, 2015 8:19 am
 
Forum: Investing - Theory, News & General
Topic: does this withdrawal method make any sense?
Replies: 10
Views: 1277

Re: Has anyone changed their asset allocation

No changes for me. I am saving as much as I reasonably can and I will be thankful for whatever the stock and bond markets give me over my investment lifetime. I am not sure I understand why Vanguard recommends 40% international now. Sounds like market timing based on valuations. Didn't they learn f...
by furwut
Mon Apr 20, 2015 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone changed their asset allocation
Replies: 58
Views: 3378

Re: Teachers: 9 or 12 month salary?

I imagine that being paid over 12 months is more convenient for those who don't want to save in advance to cover the summer months. But if you feel you can then its generally better to get paid sooner rather than later.
by furwut
Mon Apr 20, 2015 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Teachers: 9 or 12 month salary?
Replies: 26
Views: 3328

Re: Tax withholding for lump sums

Isn't one of the safe harbor rules is that so long as you have more tax withheld in the current year than you owed in the previous year there is no penalty for underpayment?
by furwut
Mon Apr 20, 2015 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax withholding for lump sums
Replies: 4
Views: 416

Re: Has anyone changed their asset allocation

livesoft wrote:I don't see how one can say the investment climate in bonds is tough. One is making money hand over fist in bonds right now. And in stocks, too.


Investment outlook then?
by furwut
Mon Apr 20, 2015 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Has anyone changed their asset allocation
Replies: 58
Views: 3378

Re: Has anyone changed their asset allocation

The only specific thing I've done is move some of my fixed income allocation from bonds to CDs. edited to remove this incorrect statement Vanguard has recently increased the recommended international equity allocation (for a US investor) from 30% to 40%. I am giving some thought to following suit in...
by furwut
Mon Apr 20, 2015 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Has anyone changed their asset allocation
Replies: 58
Views: 3378

Re: Quick technical question about Vanguard website

Oh, technically, you may have two different Prime money market fund accounts: one for mutual funds and one for non-mutual funds. One has money in it and the other has nothing in it. this ^ When you open a brokerage account, as I recall, Vanguard uses a Prime MM fund within the brokerage account as ...
by furwut
Sun Apr 19, 2015 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Vanguard Prime assets available in new brokerage account?]
Replies: 12
Views: 760

Re: Should I consider Bicycle Insurance?

Well Im still on the fence on this one. My HDHP has a deductible of $5000 and I see using this insurance to cover the costs of a severe bike accident up to that. If the bike insurance only cost $1 I'd certainly buy it. On the other hand if it cost $5000 I certainly wouldn't. So there must be some pr...
by furwut
Fri Apr 17, 2015 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I consider Bicycle Insurance?
Replies: 10
Views: 1163

Re: Should I consider Bicycle Insurance?

The one coverage this insurance would provide that my home owner's doesn't is medical expenses for myself.
by furwut
Thu Apr 16, 2015 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I consider Bicycle Insurance?
Replies: 10
Views: 1163

Should I consider Bicycle Insurance?

I just became aware of this insurance offering me coverage in case of a bicycle accident. The coverages are: Bicycle Accident Member Benefit ($10,000 limit) The insured is covered for accidents while riding a bicycle. The Bicycle Accident Member Benefit can be used to reimburse for anything includin...
by furwut
Thu Apr 16, 2015 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I consider Bicycle Insurance?
Replies: 10
Views: 1163

Re: How much house can we afford? (Philly area)

My take: You don't want to over buy a house such that you are house rich and cash poor and can't afford to fully fund your retirement accounts. You also don't want to under buy a house such that it won't meet your needs in a few years and you feel compelled to move again. The Goldilocks house is one...
by furwut
Thu Apr 16, 2015 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford? (Philly area)
Replies: 4
Views: 712

Re: Advice on investing (no career path) 28 yrs old

The best investment to make is in oneself. Then you are in control of most of the variables that define success. In my eyes 28 is still a young age and you've done very well so far. I think the time is right for you to explore other jobs and find a career that you will find rewarding.
by furwut
Tue Apr 14, 2015 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on investing (no career path) 28 yrs old
Replies: 17
Views: 1224

Re: Budget/Expense Apps?

I use Mint which has both a web page and iOS app.
by furwut
Mon Apr 13, 2015 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Budget/Expense Apps?
Replies: 7
Views: 341

Re: Saving for retirement to supplement a pension

I am very hesitant to count on pensions being there decades sown the road...government entities or not. I would still aggressively save...one just never know. I agree. My goal was always to save as much as I could but never any less than 15 - 20% of my gross pay. I never included any employer contr...
by furwut
Wed Apr 08, 2015 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for retirement to supplement a pension
Replies: 16
Views: 1704

Re: Cell phone question

I also imagine that if one was in an auto accident and still had their senses, that they would use the phone to make a photocopies of other drivers licenses, insurance docs, phone numbers, etc, instead of having to write things down. There's even an app for that. Accident Assistance – Guide Stress ...
by furwut
Wed Apr 08, 2015 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cell phone question
Replies: 10
Views: 940

Re: Minimizing gains in taxable account

Also - you've only been in the funds for less than a year so how much capital gains could you even have? You might be better off getting rid of all those high ER funds in one fell swoop as soon as you've crossed the 1 year holding period.
by furwut
Wed Apr 08, 2015 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Minimizing gains in taxable account
Replies: 6
Views: 534

Re: When to start taking pension payments?

Intuitively I think one would:

Delay the pension when:
Market expectations are low and/or inflation is low.

Take the pension when:
Market expectations are high and/or inflation is high.
by furwut
Mon Apr 06, 2015 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to start taking pension payments?
Replies: 11
Views: 1038

Re: When to start taking pension payments?

I believe this decision is a nuanced and difficult one. Michael Kitces wrote a post examining the reasoning for delaying Social Secuirty which should also be of help with pensions - though SS has a COLA and large benefit increase which helps the delay decision. How Delaying Social Security Can Be Th...
by furwut
Mon Apr 06, 2015 7:13 am
 
Forum: Personal Finance (Not Investing)
Topic: When to start taking pension payments?
Replies: 11
Views: 1038

Re: MacBook Air or MacBook Pro

OP might find Macrumors buying guide useful.

http://buyersguide.macrumors.com/#Mac
by furwut
Wed Apr 01, 2015 9:16 pm
 
Forum: Personal Consumer Issues
Topic: MacBook Air or MacBook Pro
Replies: 27
Views: 1848

Re: MacBook Air or MacBook Pro

To clarify OP is asking about the current 13" inch MacBook Air versus an older model13" inch MacBook Pro that Apple has continued to sell. If you were a professional coder, photographer or video editor you wouldn't get either of these. You would get the more expensive current model MacBook...
by furwut
Wed Apr 01, 2015 8:38 pm
 
Forum: Personal Consumer Issues
Topic: MacBook Air or MacBook Pro
Replies: 27
Views: 1848

Re: MacBook Air or MacBook Pro

Personally I wouldn't get a laptop with a non-retina screen. Most people would probably be fine with the more consumer oriented Air. Those who need the power of the Pro know it without asking.
by furwut
Wed Apr 01, 2015 8:09 pm
 
Forum: Personal Consumer Issues
Topic: MacBook Air or MacBook Pro
Replies: 27
Views: 1848

Re: The Credit Card Game

Barefootgirl wrote:But as sharpjm pointed out, this may be more suitable for those with open schedules...versus those taking vacation days from work.


What are you doing this weekend? :happy
by furwut
Wed Apr 01, 2015 5:09 pm
 
Forum: Personal Consumer Issues
Topic: The Credit Card Game
Replies: 32
Views: 2967

Re: The Credit Card Game

I'm not sure whether it's possible to get to the next level, whatever that level is. I've heard of people who purposely take flights, often with an obscure set of layovers, on the premise that the value of mileage awarded for the trips exceeds the cost of the flight(s) taken. I think its called mil...
by furwut
Wed Apr 01, 2015 5:03 pm
 
Forum: Personal Consumer Issues
Topic: The Credit Card Game
Replies: 32
Views: 2967

Re: Advice - retiring at end of year & need help!

Congratulations on your upcoming retirement! :beer Some things that come to mind: 1) Construct a retirement budget. How much you need/desire/can spend will help determine your retirement income strategy. 2) Contact Social Security and get an idea of what you & your wife will receive for various ...
by furwut
Mon Mar 30, 2015 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice - retiring at end of year & need help!
Replies: 10
Views: 1154

Re: 15, 20, or 30?

If you take out a longer mortgage you preserve the flexibility to either invest the rest or make extra payments to shorten the mortgage.
by furwut
Mon Mar 30, 2015 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15, 20, or 30?
Replies: 26
Views: 3028

Re: Confused - ACA (Affordable Care Act) refund seems high

Appears to me she was paying the unsubsidized price for the plan. Now that she's filed and her actual income is known she is getting a refund.
by furwut
Sun Mar 29, 2015 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Confused - ACA (Affordable Care Act) refund seems high
Replies: 6
Views: 593

Re: Retiring: Have to Rollover 401K to IRA

One concern - you are over 59 1/2 correct?
by furwut
Sat Mar 28, 2015 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring: Have to Rollover 401K to IRA
Replies: 5
Views: 596

Re: Retiring: Have to Rollover 401K to IRA

Sounds like my plan. I've chosen to defer for now as I'm not taking distributions and with my 401k I have, like you, access to Vanguard funds with a slightly lower ER.

The good part of rolling over is maybe there's a fund you'd like to own that wasn't available to you in your 401k.
by furwut
Sat Mar 28, 2015 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring: Have to Rollover 401K to IRA
Replies: 5
Views: 596

Re: Is this a decent withdrawal strategy?

Dividends thrown off by his investments are going to be taxed. So use those dollars first to meet spending needs BEFORE selling any shares which would result in capital gains and his owing MORE taxes. Basic strategy is to defer taxes for as long as possible. At 2% your friend can probably meet his s...
by furwut
Sat Mar 28, 2015 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this a decent withdrawal strategy?
Replies: 17
Views: 1755

Re: Is this a decent withdrawal strategy?

2% is very conservative and likely to last your friend's lifetime. One suggestion - all dividends from taxable investments (excepting, perhaps the municipal bonds) should be distributed to his checking account as they are going to be taxed anyway. Since 2% is just about the current yield of his port...
by furwut
Sat Mar 28, 2015 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this a decent withdrawal strategy?
Replies: 17
Views: 1755

Re: Recurring utility bills - How do you pay?

Every bill is auto pay. Most to a credit card a few directly from my checking account. I'm retired - at some point I'll probably setup an automatic distribution to my checking from one of my investment accounts. At that point I guess I could disappear for months and not worry about missing a bill.
by furwut
Sat Mar 28, 2015 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 43
Views: 3081

Re: HSA as a retirement account

Using an HSA as an additional retirement account has been discussed quite a bit. It's often referred to as a stealth IRA. You cover the ground pretty well on the pluses and minuses. As for investment choices I believe one can periodically transfer the HSA, for a small fee, to another custodian - say...
by furwut
Tue Mar 24, 2015 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA as a retirement account
Replies: 2
Views: 358

Re: Roommate problems

The girlfriend should chip in for utilities. A token addition to rent for her share of non-bedroom space utilization would be nice. My advice, though, is to stay out of this. Not your problem. +1. You didn't mention your brother's age but fluidity in living arrangements is to be expected as part of...
by furwut
Sun Mar 22, 2015 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roommate problems
Replies: 39
Views: 4271

Re: Somewhat High Income 401k vs traditional IRA

:oops:
A 401k is a retirement plan. For some reason I was focused on defined benefit pension plans. So JW is right, if you want the tax deferral you'll have to stay with the 401k.

http://www.irs.gov/Retirement-Plans/Are ... nt-Plan%3F
by furwut
Sat Mar 21, 2015 6:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Somewhat High Income 401k vs traditional IRA
Replies: 9
Views: 813

Re: Somewhat High Income 401k vs traditional IRA

Pretty much your choice. If you would like broader choices then invest in a Trad. IRA after you've contributed enough to get the employee match. There is a phaseout in IRA deductibility if either you or your spouse has a retirement plan at work. See http://www.irs.gov/Retirement-Plans/IRA-Deduction-...
by furwut
Fri Mar 20, 2015 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Somewhat High Income 401k vs traditional IRA
Replies: 9
Views: 813

Re: Seeking help with IRA

I am doing my taxes right now and realized that I need to pay a lot of taxes partly because of the conversion. I understand that I can reverse the conversion and also I just learned that my new employer offers 401k and would allow traditional IRA be rolled into 401k. My question is that if I can ro...
by furwut
Thu Mar 19, 2015 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seeking help with IRA
Replies: 7
Views: 626

Re: Retired - When to Sell to Generate Cash

Some more links KICKING THE BUCKET STRATEGY Unraveling Retirement Strategies: Time-Segmentation Understanding Sequence Of Return Risk – Safe Withdrawal Rates, Bear Market Crashes, And Bad Decades Instead, the real problem is not a bad year or two at the beginning of retirement, but a bad decade to s...
by furwut
Mon Mar 16, 2015 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Retired - When to Sell to Generate Cash
Replies: 30
Views: 2020

Re: Retired - When to Sell to Generate Cash

For mutual funds/ETFs most are set for dividends/capital gains to be deposited in cash. :beer I understand the theory of the few years of living expenses in cash is so that I don't have to sell if the market is down. A theory that is quite contentious around here. My question is: do I sell some ass...
by furwut
Mon Mar 16, 2015 10:59 am
 
Forum: Investing - Theory, News & General
Topic: Retired - When to Sell to Generate Cash
Replies: 30
Views: 2020

Re: 1095-A mistake (No SLCSP)

Here's the Turbo Tax instruction that I saw. WE should note that this is a user not a Turbo Tax response! Question: how to determine price of SLCSP - I entered my 1095 A information exactly as it is shown on my form and ttax wants a value for SLCSP and I have no idea how to find that I am stuck at s...
by furwut
Sun Mar 15, 2015 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1095-A mistake (No SLCSP)
Replies: 10
Views: 816

Re: 1095-A mistake (No SLCSP)

I have to just laugh. Here is, what I think, is the pertinent instructions from the IRS in the link you provided. If no advance credit payments are made for the coverage, enter the premiums for the SLCSP that would apply to all individuals identified in Part II as covered for the month. Leave column...
by furwut
Sun Mar 15, 2015 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1095-A mistake (No SLCSP)
Replies: 10
Views: 816

Re: How to find Second Lowest Cost Silver Plan for your area

Yes - I obtained my SLCSP figure from my state run exchange. I don't know why the figure isn't automatically provided for you on the 1095-A. Having to hunt for it out on the web is likely to result in a lot of errors.
by furwut
Sun Mar 15, 2015 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find Second Lowest Cost Silver Plan for your area
Replies: 14
Views: 2256

Re: 1095-A mistake (No SLCSP)

How did you figure that out? That's what the Turbo Tax instructions told me to do when I clicked on the more info link for SLCSP. Initially I didn't enter this column of data as it was blank on the 1095-A I received from my exchange. During the Smart Check review in Turbo Tax it flagged this form f...
by furwut
Sun Mar 15, 2015 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1095-A mistake (No SLCSP)
Replies: 10
Views: 816

Re: Do you still use currency or have you gone all-plastic?

All plastic all the time. I have a rewards checking account. In order to earn the 2.75% interest I need to have a minimum of 12 swipes a month. So I use their card for all small transactions.
by furwut
Sun Mar 15, 2015 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 3273

Re: Gaming amazon product reviews

Buzzfeed story (with link to NPR coverage) on Amazon's official reviewers. What It’s Really Like To Be An Amazon Super Reviewer I have a family member who does this. I have to wonder if there isn't some subtle pressure to give positive reviews in order to remain in the program. I also wonder if comp...
by furwut
Sun Mar 15, 2015 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Gaming amazon product reviews
Replies: 16
Views: 2249
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