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The Wealthfront Direct Indexing Platform

Yes, and great steps for new young investors, which is part of the Wealthfront / Betterment schtick. I feel like Vanguard is missing a great opportunity by learning how both of those companies have engaged that market. Making vanguard.com less intimidating taking some cues from wealthfront and bett...
by shawcroft
Sun Dec 14, 2014 10:46 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront Direct Indexing Platform
Replies: 21
Views: 2257

U.S. stocks in freefall

At the risk of having bricks thrown at me for engaging in some "market timing", might this be a good day to consider rebalancing...if your asset allocation is in need of it?
Shawcroft
by shawcroft
Tue Dec 09, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1038
Views: 181582

Re: Net Unrealized Appreciation on stock in a 401K?

Uncle Pennybags: You may have lost the NUA option for the shares in the second account.....are the company shares in the second account clearly identified by date of acquisition or some other clear "demarcation" or have they been "co-mingled"? If they have been co-mingled, I don'...
by shawcroft
Sat Dec 06, 2014 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Net Unrealized Appreciation on stock in a 401K?
Replies: 12
Views: 1005

Re: Net Unrealized Appreciation on stock in a 401K?

the other I transferred some funds in and out and my cost is 80% of market value. I think the one fund you have not touched- and have not taken any distributions from- is probably still "pristine" for NUA treatment. As for the other, I'm not certain what you did with the company stock in ...
by shawcroft
Sat Dec 06, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Net Unrealized Appreciation on stock in a 401K?
Replies: 12
Views: 1005

Thank you, Taylor...

I too have benefited from Taylor's 'gentle' guidance, and I was also very fortunate to meet and talk with him at BH13. My wife, our younger son, and I were also privileged to meet and speak with Taylor at BH13. It was one of the highlights of the meeting. He- and Jack Bogle- are wise and gracious g...
by shawcroft
Sat Dec 06, 2014 10:48 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you, Taylor...
Replies: 15
Views: 2150

Re: Most Hated Brokerage Firm? [or one that you love]

To my colleagues:

"Hated " is pretty strong word and I wouldn't use it to describe my feelings toward Merrill Lynch....

I prefer the words: "Violently Detest" :twisted:

Shawcroft
by shawcroft
Thu Dec 04, 2014 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 95
Views: 10987

The RMD question

To my colleagues: A full day of searching the internet and lots of interesting things found: First, the new IRS pre-tax/after-tax guidelines outlined in Notice 2014-54. Could be very helpful to folks having post-tax funds in their 401(k)'s Second, a private letter ruling discovered on FindLaw (PLR 9...
by shawcroft
Wed Dec 03, 2014 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: An RMD question
Replies: 3
Views: 732

Re: Fidelity or Schwab Brokerage account

Zecht: Yes, it has to one of four (Fidelity, Schwab, UBS, or Merrill Lynch) because the company I used to work for has those 4 organizations - and only those 4- handle its option exercise program. I'm quite happy with Vanguard but cannot use them for this program. So, if I am "stuck" openi...
by shawcroft
Wed Dec 03, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 28
Views: 2567

New IRS notice

Mike: Thanks for the suggestion. I'll look at Ed Slott's place. I did find something else which is sort of related. I haven't seen it posted on the Forum and it was issued by the IRS on 9/18/2014 as Notice 2014-54. In it, the IRS has clarified its rules regarding 401(k) rollovers with pre-tax and af...
by shawcroft
Wed Dec 03, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: An RMD question
Replies: 3
Views: 732

An RMD question

To my colleagues: I am partly repeating- and I hope clarifying- a situation involving the termination of a 401(k) held by Vanguard which I described this past October. Some background: I met with my tax accountant recently to make sure my estimated fourth quarter tax payment is enough to avoid any u...
by shawcroft
Tue Dec 02, 2014 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: An RMD question
Replies: 3
Views: 732

Fidelity or Schwab Brokerage account

Livesoft: Thanks for describing your experience with Fidelity. The Fidelity "bricks and mortar" office is about 1000 feet closer to me than the Schwab office. I could walk to either one. I hadn't thought about the Fideilty Amex card you mentioned.....that seems to be one of the better deal...
by shawcroft
Mon Dec 01, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 28
Views: 2567

Fidelity or Schwab Brokerage account

It comes to pass that I have to open a brokerage account to exercise some options which were given me back in 2006- and will expire in early 2016. I knew about them but was delaying any action until it got closer to the expiration date and I really hand't paid any attention to the details involving ...
by shawcroft
Mon Dec 01, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 28
Views: 2567

The delayed RMD question.

Tomd37:
Thanks for your reply. I will breath somewhat easier now. I've read about the draconian penalty (50%) applied to folks who take insufficient RMD amounts from their IRA's and wanted to ensure I didn't get into that situation.
Shawcroft
by shawcroft
Fri Nov 21, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD taxes
Replies: 17
Views: 1729

Retirees' Regrets

Not a regret as much as advice: If you want to travel and see things/do things on your bucket list, make plans to do so and get on the road!
Shawcroft
by shawcroft
Fri Nov 21, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: Retirees' Regrets
Replies: 23
Views: 2949

Delayed RMD

I found this thread and thought it might answer some of my question- which is below Some background: I turned 70 1/2 this past August but have delayed talking my RMD from my "traditional" IRA (established 20+ years ago, contributions made for about 10 years, and now held at Vanguard) since...
by shawcroft
Fri Nov 21, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: RMD taxes
Replies: 17
Views: 1729

Re: AT&T Mobile Users: Check your plans

This conversation is timely for us. My wife's Verizon flip phone ( yes, flip phone) appear to be heading off into the electronic sunset......I checked the T-Mobile coverage for our area in the Northeast and it ranges from "good" to "Excellent". I am seriously considering switchin...
by shawcroft
Tue Nov 04, 2014 12:30 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 63
Views: 8712

Re: Home temperature alarm

cvaneuro:
The Nest would probably be a great solution...but I believe it requires internet access which this place does not have ( and knowing my in-laws, will probably never have)
Shawcroft
by shawcroft
Sun Nov 02, 2014 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Home temperature alarm
Replies: 8
Views: 726

The home temperature alarm

Thanks to all for the suggestions. The house doesn't have either internet service or long distance service ( the owners use cellphones) so a simpler device would probably be preferred. Some years ago, a friend had a summer cabin up in Vermont and had a temperature monitor on his phone line which wou...
by shawcroft
Sun Nov 02, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Home temperature alarm
Replies: 8
Views: 726

Home temperature alarm

To my colleagues: Has anyone had a good (or bad) experience with a remote device(s) which can measure the temperature at an unoccupied second home, such as a vacation house or "snowbird" home? I've looked around the internet and find several products which seem to fit what I need but haven...
by shawcroft
Sun Nov 02, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Home temperature alarm
Replies: 8
Views: 726

The "somewhat involved" RMD question

MN Finance wrote:Correct. Your 401 is all set. Your IRA is not satisfied. You can choose to push it to next year plus the total 2015 RMD for both the old 401 and original IRA.


MNFinance:
Thanks for your patience with my "convoluted " questions. I believe I "get it" now.
Shawcroft
by shawcroft
Thu Oct 02, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: A "somewhat involved" RMD question
Replies: 10
Views: 828

The "somewhat involved" RMD question

Yes, you can delay the IRA RMD to next year, which may make sense in this case if the NAU distribution was fairly large, but that means next year will have both 2014 and 2015 RMDs in one year. MN Finance: Thanks....so, for this one "transition" year when I attain age 70 1/2, it doesn't ma...
by shawcroft
Thu Oct 02, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: A "somewhat involved" RMD question
Replies: 10
Views: 828

Re: A "somewhat involved" RMD question

When exactly do/did you turn 70 1/2? Christine: Ah, you come directly to the point.....Alas, I hit 70 in February..........so I became 70 1/2 in August..... Having terminated the 401k and captured some unappreciated company shares to use for NUA- which I must pay taxes on in April 2105, I believe I...
by shawcroft
Thu Oct 02, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: A "somewhat involved" RMD question
Replies: 10
Views: 828

The "somewhat involved" RMD question

MNFinance: OK, I get it.....sort of what I thought. For this year, the RMD for RIRA-1 must come from RIRA-1 assets. By terminating the second 401k this year and taking the unappreciated value of NUA shares which exceeds the RMD obligation, I have satisfied the IRS requirements.....but just for this ...
by shawcroft
Thu Oct 02, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: A "somewhat involved" RMD question
Replies: 10
Views: 828

Re: Cramer's sane moment on Gross' exit

.......How many stocks does it take to be truly diversified? I have found that it takes a minimum of five to capture true diversification and protection from the undesirable elements…. [ten would be terrific but] ..... Five "stocks" to capture true diversification .....and ten would be te...
by shawcroft
Thu Oct 02, 2014 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: Cramer's sane moment on Gross' exit
Replies: 24
Views: 3398

A "somewhat involved" RMD question

To my colleagues: I have what I hope will be another interesting situation…and perhaps not uncommon. Some background: I have just attained the age (70) when mandatory distributions must be taken from IRA’s and 401k’s. I have a Rollover IRA at Vanguard, established in 2007, from the residual of the 4...
by shawcroft
Thu Oct 02, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: A "somewhat involved" RMD question
Replies: 10
Views: 828

An example of "set it and forget it"

Jimbeam22:
Once you set the course, your experience is a nice example of staying the course....sort of like being on autopilot.
Shawcroft
by shawcroft
Thu Oct 02, 2014 7:14 am
 
Forum: Investing - Theory, News & General
Topic: An example of "set it and forget it"
Replies: 2
Views: 505

EmergDoc has Surpassed 10,000 posts!

Jim:
Delighted to recognize your achievement... :sharebeer .always a pleasure to read your posts..
Shawcroft
by shawcroft
Tue Sep 30, 2014 10:40 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: EmergDoc has Surpassed 10,000 posts!
Replies: 32
Views: 3369

HAPPY BIRTHDAY, VANGUARD

I think that as the founder, Jack knows when he started Vanguard. He says September 24, 1974 was the start date, and, since he was there, that's good enough for me. Mel: I agree 100%. September 24th it is! :sharebeer I am delighted to wish Vanguard a Happy 40th Birthday and fully expect they will c...
by shawcroft
Thu Sep 25, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: HAPPY [40th] BIRTHDAY, VANGUARD
Replies: 16
Views: 1610

Recommended World War I book(s)

To all my colleagues: My thanks for the excellent suggestions so many of you have provided. Ever the Boglehead, I have already borrowed two of the recommended books from our town library. I have at least 6 more I will peruse over the next several weeks (unless "honey-do" projects" imp...
by shawcroft
Sat Sep 13, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 37
Views: 2189

Indeed!- Great deal for new Costco members

I have been inhabiting a similar structure during occasional periods of "marital non-bliss". Nice to see they can now be assembled so quickly...
Shawcroft
by shawcroft
Thu Sep 11, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Great deal for new Costco members
Replies: 18
Views: 3055

Recommended World War I book

This summer marks the anniversary of the start of the First World War. I've read several recent articles which have commented on the aftermath of the War and its ongoing impact into this century, particularly the end of the Ottoman Empire and the establishment of new nations in the Middle East. Have...
by shawcroft
Thu Sep 11, 2014 10:23 pm
 
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 37
Views: 2189

Re: Kitchen "Backsplash" question

1) Clean the area with a mild degreaser (e.g., dish soap). 2) Lightly sand the surface. 3) Use a coat of Kilz (or similar product) and have it tinted to be closer to the finish color. Or ... Tile the area. Bison and others: Thanks for the suggestions. My bride votes for a tile design of some sort a...
by shawcroft
Wed Sep 03, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen "Backsplash" question
Replies: 14
Views: 1997

Kitchen "Backsplash" question

Despite our best efforts to cook neatly, the sheetrock wall behind our electric stove is getting slightly stained with "splatters" from things like grease from frying. I am considering re-painting the area but am concerned that the splatters would bleed thought the paint. Should I use BIN ...
by shawcroft
Wed Sep 03, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: Kitchen "Backsplash" question
Replies: 14
Views: 1997

Re: Your biggest "Missed Money" event that still kills you?

Well, I am a big APPLE computer fan and stuck with them during the dark days of the 1990's...probably could have picked up 500 shares for about $1000 at sometime during that decade......since I am an "apple loyalist", I probably should have done that...... Oh, well, hindsight is 20/20 No r...
by shawcroft
Thu Aug 21, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8758

Re: A question about Sherry

Trader Joe wrote:Toss it.


Ah, there seems to be a difference of views among my learned colleagues..........

Shawcroft
by shawcroft
Thu Aug 21, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: A question about Sherry
Replies: 13
Views: 1324

More on the question about Sherry

It will not hurt you to drink it. You can mail it to me and I will taste it for you, if you like. Ah, Livesoft to the rescue! When things get tough, it is heartening to know that Livesoft stands ready to be of service.... As for the sherry, it doesn't smell different from the Dry Sack sherry I have...
by shawcroft
Thu Aug 21, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: A question about Sherry
Replies: 13
Views: 1324

A question about Sherry

Over the weekend, we happened upon a bottle of Dry Sack sherry tucked away at the bottom of one of our storage shelves in our basement. As best we could guess, it has been laying on its side for a good 8 years.....and the cork must have disintegrated a bit because we were alerted to its existence by...
by shawcroft
Thu Aug 21, 2014 2:15 pm
 
Forum: Personal Consumer Issues
Topic: A question about Sherry
Replies: 13
Views: 1324

Re: US REITs already have international exposure

I, too, have been tempted to add international REITS to our portfolio. Uncertain if it would add a diversification benefit, I have been waiting for studies to confirm- or refute- this possibility. Simplegift's post is the first one showing the correlations of the various global real estate securitie...
by shawcroft
Tue Aug 19, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: US REITs already have international exposure
Replies: 14
Views: 1298

Re: Retirement Party Discussions

At a recent dinner party, I mentioned that I felt that wealth advisors at Morgan Stanley, UBS, Merrill Lynch, JP Morgan, etc were actually evil and their firms simply sucked money away from clients. I got some pushback from that since one person's offspring just got a job as a personal banker at on...
by shawcroft
Tue Aug 19, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement Party [Investment] Discussions
Replies: 50
Views: 4562

B&H Photo - NY City Experience

There is one thing you might anticipate if you are ordering from a state that has reciprocal tax reporting with New York. I bought a computer from them a number of years ago, shipped to Florida, and several years after that I received a notice of sales tax due from the Florida Department of Revenue...
by shawcroft
Tue Aug 19, 2014 8:09 pm
 
Forum: Personal Consumer Issues
Topic: B&H Photo - NY City Experience
Replies: 35
Views: 2419

One more ROTH IRA question

One additional question about the ROTH IRA:
Is it better if I write the check for the ROTH IRA from a checking account where I am the sole owner or can I use our joint checking account.....the one I have with my wife?
(Sorry if this appears to be a dumb question)
Shawcroft
by shawcroft
Thu Aug 07, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA question
Replies: 11
Views: 1679

The ROTH IRA question

Alan S.
Yes, that was what I had hoped to do and I appreciate your thoughts. Athough the amount might seem small at this time, left to compound in a ROTH over a few decades it could become significant to my beneficiaries
Shawcroft
by shawcroft
Tue Aug 05, 2014 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA question
Replies: 11
Views: 1679

The ROTH IRA question

To Taylor, Alan S. and Celia: Thanks for your replies. Ah, it looks like I wasn’t clear about what happened. I regret my poor choice of phrases. When I spoke with the AON/Hewitt 401 k administrator in late June about doing a rollover to Vanguard, I was informed that THREE checks would be sent to me ...
by shawcroft
Sun Aug 03, 2014 8:27 am
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA question
Replies: 11
Views: 1679

The ROTH IRA question

Alan: Thanks for your thoughts. Indeed, I attained 70 in February so I am fast approaching 70 1/2 in mid-August. This would be the first year when I can take an RMD. ( I would HAVE to take it no later than March 31, 2015) Sorry to be a bit dense on this but let me ask about the "mechanics"...
by shawcroft
Sat Aug 02, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA question
Replies: 11
Views: 1679

Re: Wall Street Journal Subscription Increase

I do enjoy reading the Wall Street Journal and particularly the weekend edition. I jet wander over tour local library and read ( scan) the past week's issues in the course of an hour.... but I do have fond memories of perusing the print version over morning coffee.... I, too, am amazed that hotels o...
by shawcroft
Sat Aug 02, 2014 10:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 29
Views: 2503

ROTH IRA question

A ROTH IRA question: I recently rolled over a 401k which I had with a former employer to Vanguard. The 401k plan administrator was AON/Hewitt. I had both pre-tax and after-tax funds in it, although most of it was pre-tax. The pretax check was sent to me, clearly marked payable to Vanguard for my ben...
by shawcroft
Sat Aug 02, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA question
Replies: 11
Views: 1679

Re: Any thoughts on this study of active v passive

"More important, I hope the individual investor who is predisposed to want to try to beat the market, but cannot find the evidence that active management will beat indexes, will thoughtlessly buy into this BS article and hire me to ( Delete:skim from his investments) manage his investments.&qu...
by shawcroft
Fri Aug 01, 2014 10:17 pm
 
Forum: Investing - Theory, News & General
Topic: Any thoughts on this study of active v passive
Replies: 6
Views: 781

Supermarket Gasoline

Jack FFR1846 wrote:Ah, so I'm not the only boglehead at the stop & shop gas station with 3 six gallon cans and a 20 gallon tank running on fumes, huh?


Jack:
No, you are not the only Boglehead that does stuff like that.....I'm in Connecticut and I see folks doing that!
Shawcroft
by shawcroft
Fri Aug 01, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Kroger for Gasoline
Replies: 31
Views: 2384

Mutual fund account with Vanguard or MerrillEdge?

sp500: I am a great believer in simplicity and I would open the accounts with Vanguard and not bother with Merrill. My previous dealing with Merrill Lynch makes me suspect something ugly will arise when you try to move the account after 180 days......... I would expect the "financial advisor&qu...
by shawcroft
Thu Jul 24, 2014 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual fund account with Vanguard or MerrillEdge?
Replies: 35
Views: 2227

Thank you, Taylor...

I absolutely agree and am delighted to join you- and many other Bogleheads- in a salute to a respected colleague and a member of the Greatest Generation of Americans.
Shawcroft
by shawcroft
Thu Jul 24, 2014 7:34 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you, Taylor...
Replies: 15
Views: 2150
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