Search found 360 matches

by jefmafnl
Wed Sep 02, 2015 6:43 am
Forum: Investing - Theory, News & General
Topic: bid and asked prices in panic times like this past week
Replies: 21
Views: 1353

Re: bid and asked prices in panic times like this past week

Dumb question for livesoft (or others) regarding

"I took video screen capture of my trading"

in livesoft's post:

How does on take video screen capture on a Mac? On a PC?

Thanks.

J
by jefmafnl
Mon Aug 24, 2015 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Tax accountant for US expat in the Netherlands?
Replies: 0
Views: 253

Tax accountant for US expat in the Netherlands?

I'm an American citizen living and working in the Netherlands (and receiving a bit of income from the US and another foreign country), and I need to find a new accountant to do my Dutch taxes. Preferably NOT one of the big four accounting firms. If you have any experience with this, I would apprecia...
by jefmafnl
Sun Aug 16, 2015 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Durable POA (power of attorney)
Replies: 1
Views: 316

Durable POA (power of attorney)

My Mom (90, in a skilled nursing facility, and with severe physical limitations) wants to authorize someone else to sign her checks. I understand that the appropriate form is a durable power of attorney. I downloaded a form (for California, where she lives). My brother will probably go through the d...
by jefmafnl
Sat Aug 15, 2015 6:39 am
Forum: Personal Consumer Issues
Topic: Selecting a "skilled nursing facility" (SNF) for Mom (90)
Replies: 10
Views: 922

Skilled nursing (rehab) in Palm Desert or Rancho Mirage

[Thread merged into here, see below. --admin LadyGeek] My brother and I are going through h*** trying, via long distance, to help my mother (90) deal with skilled nursing facility and hospital after she had a serious fall. There are no close relatives in her area. If you have ever been a resident i...
by jefmafnl
Thu Aug 06, 2015 12:16 am
Forum: Personal Consumer Issues
Topic: Selecting a "skilled nursing facility" (SNF) for Mom (90)
Replies: 10
Views: 922

Selecting a "skilled nursing facility" (SNF) for Mom (90)

Anyone know of a specialized site with ratings or comments or reviews of skilled nursing facilities?

Mom fell a couple days ago, and my brother and I have to quickly choose (long distance, since we don't live in the area) between a couple of places.

Thanks.

J
by jefmafnl
Mon Aug 03, 2015 6:16 am
Forum: Personal Finance (Not Investing)
Topic: 529s and college scholarships
Replies: 12
Views: 1107

Re: 529s and college scholarships

Thanks to all who replied.

J
by jefmafnl
Sun Aug 02, 2015 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: 529s and college scholarships
Replies: 12
Views: 1107

529s and college scholarships

My brother, whose son is starting college in September, is facing decisions about exactly how to use the funds in his 529 accounts (room and board, or tuition), and about whether to declare some scholarship money as taxable income (which can work out better than treating all of it as tax-free income...
by jefmafnl
Fri Jun 19, 2015 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Mom's broker moved to Stifel; preferreds
Replies: 5
Views: 841

Re: Mom's broker moved to Stifel; preferreds

Thanks to all who replied. I will do some more checking of Stifel, but unless something really bad turns up, I will recommend that she move her accounts to her broker there.

J
by jefmafnl
Thu Jun 18, 2015 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Mom's broker moved to Stifel; preferreds
Replies: 5
Views: 841

Mom's broker moved to Stifel; preferreds

My Mom (turning 90 years old this week!) has had the same broker for about 25 years. He was at one of the big-name, "full-service" retail brokerages. He never pushed inappropriate stuff on her, but did periodically keep her informed about new issues of preferred stocks, which were one of h...
by jefmafnl
Wed May 06, 2015 12:53 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (April 2015)
Replies: 6
Views: 1032

Re: madsinger monthly report (April 2015)

Many thanks for your hard work...this is a real service to Bogleheads.

For those of us who, for whatever reasons, prefer a one-fund solution without international stocks: any chance that at some point you could add Vanguard Balanced Index Fund?

Thanks again!

J
by jefmafnl
Sun Apr 26, 2015 9:20 pm
Forum: Investing - Theory, News & General
Topic: Quickie to clarify confusion re: 0% long-term capital gains
Replies: 29
Views: 2486

Re: Quickie to clarify confusion re: 0% long-term capital ga

The Kitces article is indeed great. However, in discussing the strategy of taking longterm cap gains up to the top of the 0% bracket, he raises an interesting question: can Vanguard accept buy and sell orders for the same mutual fund (not ETF) on the same day?

J
by jefmafnl
Sat Apr 11, 2015 7:28 am
Forum: Investing - Theory, News & General
Topic: Cost basis update
Replies: 3
Views: 598

Cost basis update

I recently had to do some selling in our taxable accounts in order to rebalance, something I hadn't done in a long time. A couple of questions, regarding ETF's (from non-Vanguard providers) and Vanguard mutual funds. 1) In the old days, if one used specific share ID, one placed the order and then se...
by jefmafnl
Tue Feb 24, 2015 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Morgan Stanley data breach
Replies: 1
Views: 281

Morgan Stanley data breach

My mother (almost 90) has accounts at Morgan Stanley. She received a letter dated January 12 regarding the data breach in December, and asked my advice as to whether she needs to do anything or worry about it. The letter says, "There is no evidence that this misappropriated data included social...
by jefmafnl
Wed Feb 04, 2015 1:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 5009

Re: Vanguard survey: what should they do differently?

Add an international small-cap value index fund
(previously mentioned by another poster).

J
by jefmafnl
Sat Jan 03, 2015 8:43 am
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 23580

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

Prediction: 1905
by jefmafnl
Sat Oct 04, 2014 10:18 am
Forum: Investing - Theory, News & General
Topic: Withdrawals in retirement from balanced fund
Replies: 10
Views: 1055

Withdrawals in retirement from balanced fund

One often hears advice on this board for retirees to have one year (or two years or ...) of withdrawal needs in cash or "cash equivalents", which, according to one's particular denomination within the Boglehead church, might include any of the following: short-term CD's, I bonds, short-ter...
by jefmafnl
Thu Aug 14, 2014 4:12 pm
Forum: Personal Consumer Issues
Topic: Home health aide an independent contractor?
Replies: 7
Views: 621

Home health aide an independent contractor?

My Mom (89 and living alone in her own home) treats her home health aide (hired directly, not through an agency) as an independent contractor. No Social Security or income tax or other withholding. The aide comes several half days per week, as mutually agreed. Last time my Mom asked me (several year...
by jefmafnl
Sat Aug 02, 2014 5:43 am
Forum: Investing - Theory, News & General
Topic: Changing cost basis from Average Cost to Specific ID
Replies: 33
Views: 3646

What about Specific ID to Average Cost?

What about the opposite case: one has used Specific ID (for both covered and non-covered shares) but is now at an age (in my case about 20 years from now) where perhaps one doesn't want to bother with all these details. Can one revoke Specific ID for the shares that have not yet been sold, and use A...
by jefmafnl
Mon Jul 28, 2014 6:21 am
Forum: Investing - Theory, News & General
Topic: Cost basis and mutual fund exchanges
Replies: 4
Views: 667

Re: Cost basis and mutual fund exchanges

Alex Frakt had a very helpful suggestion in this post:

viewtopic.php?t=84958&mrr=1319895026

J
by jefmafnl
Wed Jul 23, 2014 4:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard not vigilant about taxes?
Replies: 15
Views: 1937

Vanguard not vigilant about taxes?

According to the New York Times, the proposed Medtronic inversion could cause substantial tax consequences for mutual fund shareholders, but Vanguard (and BlackRock and others) are not taking any action: http://dealbook.nytimes.com/2014/07/08/in-deal-to-cut-corporate-taxes-shareholders-pay-the-price...
by jefmafnl
Sun Jun 29, 2014 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best online source for info on condos
Replies: 1
Views: 312

Best online source for info on condos

We (2 Americans) live in Europe but will be retiring in the next few years and would like to return to the US. I'm visiting my brother in Oregon in a couple weeks and would like to look at some condos while I'm there. What is or are the best online source(s) for easily searching through everything t...
by jefmafnl
Sun May 25, 2014 3:32 am
Forum: Personal Consumer Issues
Topic: In-store prices on the web?
Replies: 4
Views: 591

Re: In-store prices on the web?

My question is: if I want to know what major department stores or drugstores will charge for an in-store purchase, how do I find this info on the web?

Tyanks.

J
by jefmafnl
Sat May 24, 2014 12:32 pm
Forum: Personal Consumer Issues
Topic: In-store prices on the web?
Replies: 4
Views: 591

In-store prices on the web?

I'm an American expat living in Europe, and will be visiting family in the US in July. Hope to do a bit of shopping. For department stores and drugstore chains, any suggestions in finding actual in-store prices on the web, either on their own sites, or on comparison sites? Often the stores' own site...
by jefmafnl
Wed Apr 30, 2014 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer securities from IRA to satisfy RMD?
Replies: 16
Views: 1860

Re: Transfer securities from IRA to satisfy RMD?

We are talking mostly corporate bonds and preferred stocks.

She has a system for paying the tax...perhaps from money market fund in taxable account.

J
by jefmafnl
Wed Apr 30, 2014 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Trusteer Rapport [security software?]
Replies: 1
Views: 320

Trusteer Rapport [security software?]

A credit card company that I trust has recommended downloading Trusteer Rapport software. "Trusteer works with your anti-virus software and Web browser to alert you about fake websites and to block malware that may attempt to steal your personal information." Any Bogleheads (preferably Mac...
by jefmafnl
Wed Apr 30, 2014 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer securities from IRA to satisfy RMD?
Replies: 16
Views: 1860

Transfer securities from IRA to satisfy RMD?

My mom (89) asked a question to which I (60) do not know the answer. She usually takes the Required Minimum Distribution (RMD) from the "cash" (money market fund) in her traditional IRA. However, this year she has very little cash in the IRA. Can she transfer assets from the IRA to a taxab...
by jefmafnl
Mon Apr 21, 2014 3:20 am
Forum: Investing - Theory, News & General
Topic: Tax cost of "one fund in taxable"
Replies: 7
Views: 1155

Re: Tax cost of "one fund in taxable"

Thanks for the replies.

Grabiner, could you please specify what you would consider a "relatively low tax bracket" for the purposes of this discussion?

Thanks.

J
by jefmafnl
Sun Apr 20, 2014 9:39 am
Forum: Investing - Theory, News & General
Topic: Tax cost of "one fund in taxable"
Replies: 7
Views: 1155

Tax cost of "one fund in taxable"

The notion of making a transition from our present situation (moderate slice and dice in taxable and IRA accounts; about 6 years away from my retirement) to one fund (such as Vanguard LS Moderate Growth or Vanguard Balanced or Vanguard Wellington or a Vanguard Target Retirement Fund) is very appeali...
by jefmafnl
Sat Apr 12, 2014 5:40 am
Forum: Investing - Theory, News & General
Topic: Heartbleed at Treasury Direct?
Replies: 5
Views: 967

Re: Heartbleed at Treasury Direct?

OK according to "filippo" , thanks for the suggestion!

J
by jefmafnl
Sat Apr 12, 2014 5:32 am
Forum: Investing - Theory, News & General
Topic: Heartbleed at Treasury Direct?
Replies: 5
Views: 967

Heartbleed at Treasury Direct?

Does anyone know whether Treasury Direct uses a vulnerable version of Open SSL and thus is exposed to the Heartbleed bug?

Thanks.

J
by jefmafnl
Sun Mar 16, 2014 6:13 am
Forum: Investing - Theory, News & General
Topic: USA Today inadvertently makes case for EE bonds
Replies: 13
Views: 2166

Redeem at beginning of anniversary month?

If one bought EE bonds in April 2005, one can redeem them with the guaranteed doubling at the beginning of April 2025 or May 2025?

Thanks.

J
by jefmafnl
Wed Feb 12, 2014 6:59 am
Forum: Investing - Theory, News & General
Topic: Expected Returns for the next 20 years?
Replies: 29
Views: 3045

Re: Expected Returns for the next 20 years?

Was there a post on this forum about the maximum historical SWR going forward from a given range of Shiller P/E 10 at retirement?

J
by jefmafnl
Sat Feb 01, 2014 5:14 am
Forum: Investing - Theory, News & General
Topic: Pay attention to tax efficiency, it's important
Replies: 18
Views: 2600

Re: Pay attention to tax efficiency, it's important

Just to double-check: while most ETF's are more tax-efficient than traditional open-end mutual funds, is it still true that Vanguard ETF's are no more tax-efficient than the corresponding Vanguard mutual funds?

Thanks.

J
by jefmafnl
Sun Jan 19, 2014 12:30 pm
Forum: Investing - Theory, News & General
Topic: Combine U-shaped AA and Hebeler flex. withdrawal strategy?
Replies: 2
Views: 917

Combine U-shaped AA and Hebeler flex. withdrawal strategy?

There have been a couple of "seductive" and relatively new ideas discussed recently on the forum: "U-Shaped" asset allocation: Draw down to 50%? 30%? at beginning of retirement, then slowly increase stock allocation. Link: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=...
by jefmafnl
Sun Jan 12, 2014 3:58 pm
Forum: Investing - Theory, News & General
Topic: Increase in the threshold for tax brackets
Replies: 26
Views: 1718

Re: Increase in the threshold for tax brackets

To do a pro forma tax return for a future year, which is easier (quicker) to use...TaxCut, TurboTax, or something else? It would be great to be able to skip most of the "interview questions" and just put in estimates.

Thanks.

J
by jefmafnl
Fri Dec 06, 2013 4:50 am
Forum: Personal Consumer Issues
Topic: Digitizing old home movies...
Replies: 24
Views: 1783

Digitizing old home movies...

My wife and I live in Europe. We're going to the US for a few days in late December/early January to finish cleaning out my mother-in-law's house (she is now in assisted living). She has lots of old (1950's and 1960's) home movies in whatever format was standard then (35m???). They have probably det...
by jefmafnl
Thu Dec 05, 2013 4:39 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance calculator?
Replies: 2
Views: 282

Health insurance calculator?

This may be a dumb question, but... My brother, struggling to choose medical and dental insurance plans, wrote "I can't believe they don't provide a tool into which to punch your med expenses the last 3 years and have it come up with the 3 best plans for you if future expenses are similar to th...
by jefmafnl
Tue Nov 05, 2013 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Authorized Representative for Mom (90)?
Replies: 6
Views: 750

Re: Authorized Representative for Mom (90)?

Thanks for the replies. The authorized representative up until now says that, since Mom "is no longer living in her home in the community and is now in assisted living, it is not feasible for me to be involved in her finances in any way...it is best for [name of assisted living facility] to ste...
by jefmafnl
Tue Nov 05, 2013 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Authorized Representative for Mom (90)?
Replies: 6
Views: 750

Re: Authorized Representative for Mom (90)?

Thanks for the replies. This is not quite the same question as before. At that time it was only a question about the institution function as "rep payee", i.e., taking her Social Security check and returning the personal allowance to her. Now it's about something much broader.

J
by jefmafnl
Mon Nov 04, 2013 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Authorized Representative for Mom (90)?
Replies: 6
Views: 750

Authorized Representative for Mom (90)?

My mother-in-law (90) recently moved out of her house and into assisted living. I believe that she already has an authorized representative from a social services agency. Now the assisted living facility is suggesting not only that they (the facility) be the "rep payee" for her social secu...
by jefmafnl
Tue Oct 22, 2013 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse mortgage: deed in lieu of foreclosure
Replies: 4
Views: 1048

Re: Reverse mortgage: deed in lieu of foreclosure

Mother-in-law (90) moving to assisted living, house will be empty. Amount owed is probably equal to or greater than value of house (hard to tell, slow market in that area). I called the bank anonymously, to ask about deeding good marketable title to the bank (as in the HUD regulations below). They e...
by jefmafnl
Mon Oct 21, 2013 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse mortgage: deed in lieu of foreclosure
Replies: 4
Views: 1048

Reverse mortgage: deed in lieu of foreclosure

My mother-in-law (90) may be doing this soon (giving the bank title to the house as payment of the reverse mortgage). The HUD rules don't quite match what the bank is demanding. Does anyone have experience with this? Thanks.

J
by jefmafnl
Sun Oct 13, 2013 1:33 pm
Forum: Personal Consumer Issues
Topic: Hotel near UCLA for physically challenged?
Replies: 2
Views: 316

Hotel near UCLA for physically challenged?

My mom, 88, is about to have a major eye operation. It's outpatient, but she lives several hours away, so she will need a hotel room for 2 nights (before and after). She's also not very mobile...has severe arthritis, uses a walker, and can't cover long distances. Does anyone have firsthand experienc...
by jefmafnl
Sat Oct 05, 2013 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Assisted Living with Medicaid Waiver (Mom)
Replies: 2
Views: 425

Assisted Living with Medicaid Waiver (Mom)

My mother-in-law (90) has just moved into assisted living, subsidized by a state Medicaid program. Every month she needs to pay her Social Security check, less a small allowance for personal needs, to the facility. The facility recommends what they call "rep pay", meaning that her Soc. Sec...
by jefmafnl
Sat Oct 05, 2013 11:11 am
Forum: Personal Consumer Issues
Topic: Dedicated e-mail device for Mom (90)
Replies: 21
Views: 1781

Re: Dedicated e-mail device for Mom (90)

Belated thanks to all who replied. For the time being we're going to see if she can use the shared computer in a common area.

J
by jefmafnl
Mon Sep 09, 2013 1:23 pm
Forum: Investing - Theory, News & General
Topic: Spread on Treasurys
Replies: 2
Views: 467

Spread on Treasurys

My mother buys Treasurys on the secondary market through her ("full-service") broker. She reports that the YTM she gets when she buys is generally about 20 basis points less than "what I see on the financial channel." Is this a matter of different yield calculations, or of normal...
by jefmafnl
Sun Sep 01, 2013 10:44 am
Forum: Personal Consumer Issues
Topic: Dedicated e-mail device for Mom (90)
Replies: 21
Views: 1781

Dedicated e-mail device for Mom (90)

My mother-in-law, 90, is probably going to move from her house into a small (studio) assisted living unit in the next few weeks. She has used a Windows PC (XP or 2000?) for E-mail only, via AOL, for about 9 years. She mailed regularly, but was not comfortable going beyond what she knew how to do. He...
by jefmafnl
Sun Jul 28, 2013 12:37 pm
Forum: Personal Consumer Issues
Topic: Sunset Financial Planning and Medicaid For Dummies
Replies: 3
Views: 694

Re: Sunset Financial Planning and Medicaid For Dummies

My wife and I have been dealing with this for her mother.

You might consult Heiser's book "Medicaid Secrets", which (although not cheap) explains lots of the rules in detail.

Good luck!

J

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