Search found 80 matches

Return to advanced search

Re: Meaning of Important note included in Medicare part D pl

Thank you so much for your reply. It looks like it's a positive not a negative even though it has the lower price.
by rich137
Tue Oct 14, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 1886

Meaning of Important note included in Medicare part D plan ?

I went to the Medicare.gov website to compare available plans to see which part D plan would be best for my situation. I now have Humana preferred RX plan, if I don't change there is a $320 deductible and a $29 monthly premium. The lowest price plan available is Humana Walmart RX plan, it has a $320...
by rich137
Tue Oct 14, 2014 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 1886

Re: Rebalancing dilemma – pay the tax or let it ride?

I would recommend selling down to the top of your rebalancing band. You set a target allocation for a reason: it is the amount of risk you were willing to take. If your portfolio has drifted from 50% stock to 60%, you now have a riskier portfolio than you want. The tax cost for rebalancing is not l...
by rich137
Sun Aug 11, 2013 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing dilemma – pay the tax or let it ride?
Replies: 16
Views: 980

Re: Rebalancing dilemma – pay the tax or let it ride?

Two thoughts: 1. Minimize regret. 2. What does your Investment Policy Statement (IPS) say you should do? Joppy IPS is in my head. I know I need to put it in writing. It says don't let your allocations get more than 10 percentage points off of the target. So at 60.3% equities I am there. That's why ...
by rich137
Sun Aug 11, 2013 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing dilemma – pay the tax or let it ride?
Replies: 16
Views: 980

Re: Rebalancing dilemma – pay the tax or let it ride?

It's great that you are already NOT reinvesting stock fund dividends back into stock funds. In your shoes, I would transfer (donate) mutual fund shares to my donate-advised fund (DAF) which gets me a tax deduction. So donate the shares with the lowest cost basis and thus the highest unrealized capi...
by rich137
Sun Aug 11, 2013 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing dilemma – pay the tax or let it ride?
Replies: 16
Views: 980

Re: Rebalancing dilemma – pay the tax or let it ride?

I don't see a calculation of the actual tax cost of rebalancing. That is some missing information. However, that information may not be very important. Risk from being a little too high in stock and tax cost are so incommensurable that there is no quantitative answer to this question. Perhaps the m...
by rich137
Sun Aug 11, 2013 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing dilemma – pay the tax or let it ride?
Replies: 16
Views: 980

Re: Rebalancing dilemma – pay the tax or let it ride?

The answer is really very simple: If you know the stock market is going to go up, then let it ride. If you know the stock market is going to go down quite a bit, then you had better rebalance and pay the tax. I respect you very much because of all the time and effort end expertise you put into this...
by rich137
Sun Aug 11, 2013 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing dilemma – pay the tax or let it ride?
Replies: 16
Views: 980

Re: Rebalancing dilemma – pay the tax or let it ride?

It's great that you are already NOT reinvesting stock fund dividends back into stock funds. In your shoes, I would transfer (donate) mutual fund shares to my donate-advised fund (DAF) which gets me a tax deduction. So donate the shares with the lowest cost basis and thus the highest unrealized capi...
by rich137
Sat Aug 10, 2013 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing dilemma – pay the tax or let it ride?
Replies: 16
Views: 980

Re: Rebalancing dilemma – pay the tax or let it ride?

You can each put $6500 into your Roth this year. Are you saying you are in the 33% bracket and do not have funds to purchase munis or CDs along with Roths and I-Bonds? You are right it was/is $6500 In our traditional IRA. Sorry, I guess I miss spoke, I have been selling off rental properties and I ...
by rich137
Sat Aug 10, 2013 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing dilemma – pay the tax or let it ride?
Replies: 16
Views: 980

Rebalancing dilemma – pay the tax or let it ride?

Bogleheads, Thank you for all the great information and help available on this forum. It's greatly appreciated. I really learned a lot. The Bogleheads helped teach me the right/smart way to handle my investments. At this time I am still working part time in a business that I enjoy. The business will...
by rich137
Sat Aug 10, 2013 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing dilemma – pay the tax or let it ride?
Replies: 16
Views: 980

Re: Home alarm security systems

I've been a very happy customer of Simplisafe for more than four years. It is recommended by Clark Howard. I put it in my home and my Mother's home and a commercial property that own. Here are some independent reviews of the SimpliSafe Security System. http://simplisafe.com/clark-howard-disc ... y?p...
by rich137
Sat Jun 01, 2013 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Home alarm security systems
Replies: 21
Views: 2570

Re: Help, reaching my full retirement age of 66

I'm curious about your decision to start your wife's spouse benefits early. It seems from your calculations that she would receive $1050/mo now, or $1164/mo by waiting until Sep 2014. Thats $14,700 now, versus $114/mo forever, and a breakeven point at age 76. If you are reasonably healthy, you'd co...
by rich137
Tue Mar 26, 2013 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help, reaching my full retirement age of 66
Replies: 35
Views: 2369

Re: Help, reaching my full retirement age of 66

dbr wrote:I sure didn't pay more than $19.95.

The result they gave me made complete sense based on what I already know about how SS works. That is, they confirmed my previous understanding.


$19.95 it is. :happy
by rich137
Tue Mar 26, 2013 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Help, reaching my full retirement age of 66
Replies: 35
Views: 2369

Re: Help, reaching my full retirement age of 66

Just yesterday, I sat in on an investment webinar presented by Morningstar, part of which included an excellent albeit short discussion on SS, including some discussion on the strategies involved in taking benefits. SS experts Mary Beth Franklin and Mark Miller gave very high marks to http://www.so...
by rich137
Mon Mar 25, 2013 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help, reaching my full retirement age of 66
Replies: 35
Views: 2369

Re: Help, reaching my full retirement age of 66

You might want to revisit the 45.1% spousal benefit that you are quoting. According to http://www.ssa.gov/oact/quickcalc/spouse.html A spouse can choose to retire as early as age 62, but doing so may result in a benefit as little as 32.5 percent of the worker's primary insurance amount. A spousal b...
by rich137
Mon Mar 25, 2013 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help, reaching my full retirement age of 66
Replies: 35
Views: 2369

Re: Help, reaching my full retirement age of 66

I agree that your wife should begin collecting her SS spousal benefit when you reach age 66. Also, there is a strong case for you to defer your SS benefit until age 70, but that is predicated on multiple factors including the assumption that you will not be impacted by future changes to SS. SS has ...
by rich137
Mon Mar 25, 2013 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help, reaching my full retirement age of 66
Replies: 35
Views: 2369

Re: Help, reaching my full retirement age of 66

What about the self employment/corporate officer questionnaire? Social Security's publication how work affects your benefits reads 'if you work between 15 and 45 hours a month, you will not be considered retired'. Do you know if that's a factor if you reach the FRA? This is dealing with the "g...
by rich137
Sun Mar 24, 2013 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help, reaching my full retirement age of 66
Replies: 35
Views: 2369

Re: Help, reaching my full retirement age of 66

I would recommend looking at the T-Rowe Price Social Security calculator. It's free and the best one out there that I've come across. Thanks for the information BostonBoy , I will check into it right away. The Rowe Price Social Security calculator Is very impressive. It's simple and it gives you a ...
by rich137
Sun Mar 24, 2013 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help, reaching my full retirement age of 66
Replies: 35
Views: 2369

Re: Help, reaching my full retirement age of 66

I was under the impression I could not collect Social Security earlier then full retirement age unless I actually am retired. You can file for benefits, but, depending on how much you earn, the earnings test may result in you receiving a reduced benefit or nothing at all. (Note, however, that these...
by rich137
Sun Mar 24, 2013 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help, reaching my full retirement age of 66
Replies: 35
Views: 2369

Re: Help, reaching my full retirement age of 66

BostonBoy wrote:I would recommend looking at the T-Rowe Price Social Security calculator. It's free and the best one out there that I've come across.


Thanks for the information BostonBoy , I will check into it right away.
by rich137
Sun Mar 24, 2013 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help, reaching my full retirement age of 66
Replies: 35
Views: 2369

Re: Help, reaching my full retirement age of 66

I was under the impression I could not collect Social Security earlier then full retirement age unless I actually am retired. You can file for benefits, but, depending on how much you earn, the earnings test may result in you receiving a reduced benefit or nothing at all. (Note, however, that these...
by rich137
Sun Mar 24, 2013 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help, reaching my full retirement age of 66
Replies: 35
Views: 2369

Re: Help, reaching my full retirement age of 66

I am still working and I intend to continue to work. I am president of a small S corporation. I was under the impression I could not collect Social Security earlier then full retirement age unless I actually am retired. That I would have to fill out a self employment/corporate officer questionnaire....
by rich137
Sun Mar 24, 2013 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help, reaching my full retirement age of 66
Replies: 35
Views: 2369

Re: Help, reaching my full retirement age of 66

Your wife doesn't gain anything by delaying her spousal benefit, because it's based on your age-66 amount and won't go up any further. My understanding is that it's 50% of the age-66 amount (your Principal Insurance Amount = PIA), but I don't know enough to recognize the 45.1% that you cited. It's ...
by rich137
Sun Mar 24, 2013 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Help, reaching my full retirement age of 66
Replies: 35
Views: 2369

Re: Help, reaching my full retirement age of 66

If you don't "need" your own SS benefit right now because you're still working, then you should delay collecting benefits until you're 70 or stop working, whichever comes first. However, in order for your wife to collect her spousal benefit, you need to file for your own first. Therefore ...
by rich137
Sun Mar 24, 2013 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Help, reaching my full retirement age of 66
Replies: 35
Views: 2369

Re: Help, reaching my full retirement age of 66

I would not take S.S. until Age 70, especially since you are still working. I assume that you don't need the money now, right?.....the increase in benefits will average about 8% a year from 66 to age 70 What about my wife's Social Security? Take it now? I sort of feel that a bird in the hand is wor...
by rich137
Sun Mar 24, 2013 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Help, reaching my full retirement age of 66
Replies: 35
Views: 2369

Help, reaching my full retirement age of 66

In July, 2013 I will reach my full retirement age of 66. My full retirement benefit will be $2329. I plan to start receiving my benefits as of July, 2013. In September, 2014 my wife will reach her full retirement age of 66. Since she didn't work full-time the payments on her record are $231 at full ...
by rich137
Sun Mar 24, 2013 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Help, reaching my full retirement age of 66
Replies: 35
Views: 2369

transfer property before the inheritance tax laws change?

My 85-year-old mother is being treated for cancer. We hope for the best but we can't be sure how long she will be with us. She has... $600K in Investments $100K in her residence $500k in a testamentary trust of from my deceased father $500k in a rental property The residence and the rental property ...
by rich137
Fri Oct 19, 2012 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: transfer property before the inheritance tax laws change?
Replies: 0
Views: 184

Re: Email hacked [no it wasn't, just spam]

Thanks Steelersfan, Great tip!
by rich137
Wed Jun 20, 2012 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Email hacked [no it wasn't, just spam]
Replies: 18
Views: 1282

Re: Email hacked [no it wasn't, just spam]

Thank you for your kind help, my daughter and I both appreciate it. My daughter knows that her computer is infected and she's in the process of taking care of the situation. Also, I ran a full system scan on my PC using Norton Internet security, it detected one security risk (w32.cridex) Norton indi...
by rich137
Wed Jun 20, 2012 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Email hacked [no it wasn't, just spam]
Replies: 18
Views: 1282

Re: Email hacked

Now that I am thinking about it a little more, I'm still a little confused. Most spam is at least addressed to your email address. This email was in my inbox but it wasn't addressed to my email address. One was addressed to sparis32@msn.com and the other was addressed to richliiu@msn.com (for safety...
by rich137
Wed Jun 20, 2012 11:32 am
 
Forum: Personal Consumer Issues
Topic: Email hacked [no it wasn't, just spam]
Replies: 18
Views: 1282

Re: Email hacked

Sidney

Thank you for your reply.

Rich
by rich137
Wed Jun 20, 2012 8:29 am
 
Forum: Personal Consumer Issues
Topic: Email hacked [no it wasn't, just spam]
Replies: 18
Views: 1282

Email hacked [no it wasn't, just spam]

I received the following 2 emails this morning. They didn't have my user name but they appeared in my email account. I immediately changed my email password. Does anyone have any idea as to what they are up to? Is there any further action that I should take? Naturally, I didn't open the attachments ...
by rich137
Wed Jun 20, 2012 8:18 am
 
Forum: Personal Consumer Issues
Topic: Email hacked [no it wasn't, just spam]
Replies: 18
Views: 1282

Re: Home Security System Options?

Clark Howard recommends http://www.simplisafe.com. I bought it and I like it. :)
by rich137
Fri Nov 04, 2011 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Home Security System Options?
Replies: 17
Views: 1926

I also converted FTSE All World ex-US to admiral. Time for breakfast. :D
by rich137
Wed Sep 28, 2011 10:18 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard launches 6 more Admiral index funds
Replies: 33
Views: 6500

Taxable

26% Vanguard Limited Term Tax-Exempt Admiral (VMLUX)
32% Vanguard Intermediate Term Tax-Exempt Admiral (VWIUX)

IRA

42% Inflation protected securities-Admiral (VIPXS)
by rich137
Sun Aug 14, 2011 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: Which Vanguard bond funds are you currently using, and why?
Replies: 96
Views: 15807

1418.5
by rich137
Sun Jan 02, 2011 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: 2011 BOGLEHEAD CONTEST REGISTRATION
Replies: 374
Views: 28160

I don't think any changes are needed either. About rebalancing, I usually get back into my band, but not necessarily all the way back. So I'd probably rebalance back to about 53% and see which way the wind blows. I doubt it matters a lot either way. The point is to stay near the target, not on the ...
by rich137
Mon Dec 27, 2010 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review and Rebalancing Question
Replies: 4
Views: 727

I'm impressed. I don't think you have to do a thing. Whether you rebalance to 50% or 55% is a judgement call. I've seen it recommended both ways. My preference is to not move large amounts of money around, so I would go to 55% now if I could do it without much in the way of tax consequences and the...
by rich137
Sun Dec 26, 2010 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review and Rebalancing Question
Replies: 4
Views: 727

Portfolio Review and Rebalancing Question

Bogleheads, Thank you for all the great information available on this forum! At this time I am a partner in a small business that I enjoy. I don’t see myself fully retiring for at least 7 years unless I develop health issues. My business income is down but I enjoy the business and it is still a fina...
by rich137
Sun Dec 26, 2010 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review and Rebalancing Question
Replies: 4
Views: 727

namaste wrote:I just got back the cleared check from the feds for taxes I paid and in a stamp on the back, you can clear see my SS#. I don't think not writing on the front makes any difference.


Good to know, but to me it doesn't make much sense security wise.
by rich137
Sun Apr 04, 2010 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Include your SS number on your IRS check???
Replies: 32
Views: 7191

Thanks for the feedback. What concerns me is the fact that my check also has my name and address printed on it. It just seems like way to much information to be on a check that needs to clear. I used to add the entire SS number, but in the last 10 years or so I add in the memo field only the last 4 ...
by rich137
Sun Apr 04, 2010 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Include your SS number on your IRS check???
Replies: 32
Views: 7191

Include your SS number on your IRS check???

For the first time this year my accountant’s written instructions included the words “ include your social security number , daytime phone number and the words ‘2009 form 1040’ on your check". Is this something new? Do I really want to include my social security number on my check??? Thanks, Rich
by rich137
Sun Apr 04, 2010 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Include your SS number on your IRS check???
Replies: 32
Views: 7191

Livesoft, Thanks for the reply. I agree that Larry’s book "The Only Guide to a Winning Investment Strategy You'll Ever Need" is one of the best books on the subject. I have read it and I refer to it often. With all the knowledgeable people on the forum, I wanted to see if anyone could impr...
by rich137
Mon Sep 07, 2009 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Please
Replies: 4
Views: 730

Portfolio Review Please

Bogleheads, Thank you for all the great information available on this forum! At this time I am a partner in a small business that I enjoy. I don’t see myself fully retiring for at least 10 years unless I develop health issues. My business income is down and the business is struggling to survive. My ...
by rich137
Mon Sep 07, 2009 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Please
Replies: 4
Views: 730

Thanks for the helpful information.

Rich
by rich137
Sat Aug 22, 2009 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard TSM Fund include REITS?
Replies: 9
Views: 1822

Does Vanguard TSM Fund include REITS?

This is probably a dumb question but I don’t know the answer. Does the Vanguard TSM fund include REITS?

Thanks

Rich
by rich137
Sat Aug 22, 2009 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard TSM Fund include REITS?
Replies: 9
Views: 1822

When I applied for social security at 62 and told them I was still going to work, they acted like I couldn't do that. The lady even said, "you have to change your life style". They had to vote on whether I could retire and continue to work. They passed it and said I could draw social secu...
by rich137
Sun May 24, 2009 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reduced SS working benefits are not lost, so apply at 62
Replies: 12
Views: 2193

Quote: Yet, from our checking with local Social Security and discussions with top Social Security officials, approving this request is routine. If you go to the office, fill out the form, hand them a check, you can then reapply on the spot and start receiving the higher benefit. That certainly wasn...
by rich137
Sun May 24, 2009 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Reduced SS working benefits are not lost, so apply at 62
Replies: 12
Views: 2193

Sorry nisiprius, I hope I didn’t offend you. That was not my intention. I very much appreciate the expertise you and many other Bogleheads make available to people like me on this forum. :oops:

Thanks, Rich
by rich137
Sat May 23, 2009 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reduced SS working benefits are not lost, so apply at 62
Replies: 12
Views: 2193
Next

Return to advanced search