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by tadamsmar
Tue May 26, 2015 3:04 pm
Forum: Investing - Theory, News & General
Topic: Investment Priority turned upside down?
Replies: 8
Views: 944

Re: Investment Priority turned upside down?

However, when you withdraw from the account, things change; you may want to withdraw from your IRA before you withdraw from your taxable account. If you withdraw $25,000 from a Roth IRA, you deprive your heirs of $25,000 of tax-free money, but you have $25,000 to spend yourself. If you withdraw $28...
by tadamsmar
Sun May 24, 2015 5:20 am
Forum: Personal Consumer Issues
Topic: Essential Security Computer Programs
Replies: 11
Views: 1049

Re: Essential Security Computer Programs

It's my understanding that they will not project you completely from phishing. Phishing is a type of social engineering and no automated security fully protects you.

https://www.us-cert.gov/ncas/tips/ST04-014
by tadamsmar
Sun May 24, 2015 5:15 am
Forum: Investing - Help with Personal Investments
Topic: need some clarification, just read "Bogleheads guide to investing"
Replies: 10
Views: 1249

Re: need some clarification, just read "Bogleheads guide to investing"

Fidelity is fine as long as you watch the ER's so you'd want to stick with Spartan funds. You can also move your 401k and IRA's to Vanguard tax free. Your choice. It makes life easier to have everything at one place. I prefer VG. If you want to transfer just call them and they will walk you though ...
by tadamsmar
Fri May 22, 2015 12:50 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 6788

Re: Bill Gross Thinks the End Is Near

Seems the bull market in stocks ended in 2000, its been a zig-zag market since 2000. Rebalancing has paid off since 2000 just as Shannon demonstrated it would in a random market that shows little or no cumulative gain or loss.
by tadamsmar
Fri May 22, 2015 12:40 pm
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 38
Views: 1910

Re: Visiting Nashville during the summer

This tread is pretty comprehensive. Maybe look for some local events, like outdoor concerts, festivals. If you have kids, the library has really fine puppet shows, and there is a small sandwich shop next door. The Nashville art gallery might have some good exhibits. I had a chance to visit Nashville...
by tadamsmar
Fri May 22, 2015 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Help Needed
Replies: 11
Views: 1134

Re: Taxable Account Help Needed

There are some arguments for no co-mingling AA. http://www.forbes.com/sites/rickferri/2014/04/03/does-asset-location-make-sense-for-me/ The cap-gains tend to lock one into your taxable asset choices. The stock funds tend to grow faster than bond funds and someday you might have to pay cap-gains if y...
by tadamsmar
Thu May 21, 2015 11:42 am
Forum: Investing - Theory, News & General
Topic: Investment Priority turned upside down?
Replies: 8
Views: 944

Re: Investment Priority turned upside down?

By taxable funds, I mean taxable investments that would have some cap gain taxes due if they were used to pay taxes on a conversion. Just to be sure we're agree: ⋅ If you have money that has already been taxed, such as earned income, distributions, etc. it's always better to use a Roth th...
by tadamsmar
Thu May 21, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: Investment Priority turned upside down?
Replies: 8
Views: 944

Re: Investment Priority turned upside down?

Because of the stepped up basis, prioritizing for inheritance may favor taxable over tax-deferred. Are there any circumstances is it better to inherit taxable instead of Roth? Not that I know of. But there are circumstance that can favor not using taxable funds to pay the taxes on the conversion of...
by tadamsmar
Thu May 21, 2015 10:59 am
Forum: Investing - Theory, News & General
Topic: Investment Priority turned upside down?
Replies: 8
Views: 944

Re: Investment Priority turned upside down?

Because of the stepped up basis, prioritizing for inheritance may favor taxable over tax-deferred. Are there any circumstances is it better to inherit taxable instead of Roth? Not that I know of. But there are circumstance that can favor not using taxable funds to pay the taxes on the conversion of...
by tadamsmar
Thu May 21, 2015 10:31 am
Forum: Investing - Theory, News & General
Topic: Investment Priority turned upside down?
Replies: 8
Views: 944

Investment Priority turned upside down?

The usual advice is to favor tax-deferred accounts over taxable. "Investing in a prioritized order will maximize the tax efficiency of a portfolio." https://www.bogleheads.org/wiki/Prioritizing_investments Similar reasoning favors Roth conversions using taxable savings to cover the tax. Bu...
by tadamsmar
Wed May 20, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 149
Views: 6779

Re: Aren't we overdoing electronic auto safety features?

Well you could just get in a car with xenons at night an see the difference. If I could see 2-3x further down the road, I find it hard to believe that xenons do not reduce the number of accidents at night. Oh, then there is research like this: http://www.iihs.org/iihs/sr/statusreport/article/49/7/4...
by tadamsmar
Wed May 20, 2015 1:12 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 149
Views: 6779

Re: Aren't we overdoing electronic auto safety features?

This stuff has been out for a couple years now. The evidence for autobraking being a good thing is pretty solid. The evidence for Xeon/LED lighting is also very solid. The rest get a bit sketchier and often depend on the model. I have a feeling that for things like blind spot monitoring that it is ...
by tadamsmar
Wed May 20, 2015 12:39 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 149
Views: 6779

Re: Aren't we overdoing electronic auto safety features?

Another concern I have about all the electronics associated with these sensor-and-computer systems is their reliability and the costs to repair and maintain them as the car ages. These are the same guys that can't even install airbags that don't explode and kill you or ignition key switches that ma...
by tadamsmar
Wed May 20, 2015 11:00 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 117
Views: 8546

Re: What's so great about simplicity?

Another question. For number 1. Are you saying that Roth conversions might even be worth doing once I am taking RMDs? Those RMDs will be expensive tax-wise. They WILL push me to a higher tax bracket, BUT once I am in that tax bracket there will be room to absorb some Roth conversions before I get t...
by tadamsmar
Wed May 20, 2015 7:39 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 117
Views: 8546

Re: What's so great about simplicity?

I only have two more years before 70.5 and taxes on Roth conversion can (still) be paid out of SS+pension cash flow. I don't expect to do Roth conversions once RMDs kick in. (Depends on tax analysis that year but I'm assuming for planning purposes it will not be the best strategy. I'm not even sure...
by tadamsmar
Wed May 20, 2015 7:23 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 117
Views: 8546

Re: What's so great about simplicity?

bertilak wrote:P.S. Can you point me to Rick Ferri's discussion on "all stocks in taxable?"


http://www.rickferri.com/blog/strategy/ ... ake-sense/

This (not from Ferri) might also be of interest:

http://www.bogleheads.org/wiki/Principl ... _placement
by tadamsmar
Tue May 19, 2015 7:23 pm
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 117
Views: 8546

Re: What's so great about simplicity?

PS: Unfortunately, complexity in one's tax avoidance strategy can be warranted, at least when you have taxable savings. At let in my case I think simplicity has helped my tax strategy: ⋅  Taxable account : All stocks, no bonds. ⋅  Tax-advantaged accounts : Mix of stocks and bond...
by tadamsmar
Tue May 19, 2015 9:48 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 117
Views: 8546

Re: What's so great about simplicity?

I think the great thing is understanding that complexity in one's asset allocation is not warranted. It typically grows out of overfitting the data, or overlooking the uncertainties. Sometimes we Bogleheads get so in to merely spouting a mantra that we forget to teach the reason behind it. PS: Unfor...
by tadamsmar
Tue May 19, 2015 7:33 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 149
Views: 6779

Re: Aren't we overdoing electronic auto safety features?

Frankly, I'd have to say that used car buyers may be smarter than new car buyers. They realize that the market value of new cars falls faster and harder than stocks in 2008 and you can buy a perfectly good car for pennies on the dollar if you shop cars that are only 2-3 years old. Unfortunately, I'...
by tadamsmar
Mon May 18, 2015 12:36 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Picking up Nickels in Front of a Steamroller?
Replies: 50
Views: 4984

Re: Bonds - Picking up Nickels in Front of a Steamroller?

rrouse wrote:Buffett has warned that bonds are "among the most dangerous of assets" and "their risk is huge".


Pay no attention to that man behind curtain selling bonds, the man who is the President, Chairman, and CEO of Berkshire Hathaway.
by tadamsmar
Sun May 17, 2015 11:21 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 149
Views: 6779

Re: Aren't we overdoing electronic auto safety features?

I think Browser is correct that bundling the newer safety features with packages and trims is a way to make buyers buy more features.

I was like that with ESC before it was mandated.
by tadamsmar
Sun May 17, 2015 7:22 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 149
Views: 6779

Re: Aren't we overdoing electronic auto safety features?

The answer to the OP's ? of course yes. Most studies show that the three major improvements to car safety are 1 Airbags 2. ESC 3. ABS. Everything else is crap. It alarms me that we have people who can't drive without cameras and sensors. ABS never panned out as a safety feature. Some studies showed...
by tadamsmar
Fri May 15, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 149
Views: 6779

Re: Aren't we overdoing electronic auto safety features?

Is this a case of over-insuring against minuscule risk, and a case of auto companies finding a new way to capitalize on fear and paranoia to increase their profits? An auto company should have fear and paranoia about falling behind too much in the race to higher safety levels. They can't just want ...
by tadamsmar
Fri May 15, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 149
Views: 6779

Re: Aren't we overdoing electronic auto safety features?

I think you would want to include serious injuries in your calculations. I thought about that, but how would we do that? First, you have to assume that these electronic safety features reduce incidents of serious injury and we don't know that they do. Second, you would need some data to evaluate th...
by tadamsmar
Fri May 15, 2015 6:52 am
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 6673

Re: International - Who really is at 40%

Is it just Vanguard who is recommending higher international or do others offer similar advice? Also, doesn't having international increase risk since you need to deal with monetary risk as well? Malkiel started increasing his recommended international allocation for quite a while in new editions o...
by tadamsmar
Thu May 14, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: Auto-braking systems in cars - experiences?
Replies: 67
Views: 2734

Re: Auto-braking systems in cars - experiences?

There used to be problems with one accident type (running off the road?) but that went away with ESC. Nobody proved why ABS caused a "running off the road and hitting a tree" problem, but the prevailing theory is that drivers made bad decisions after ABS gave them the ability to steer whi...
by tadamsmar
Wed May 13, 2015 7:09 pm
Forum: Personal Consumer Issues
Topic: Auto-braking systems in cars - experiences?
Replies: 67
Views: 2734

Re: Auto-braking systems in cars - experiences?

Does anyone seriously think that, in 2015 anyways, a parent will not teach a young driver how to use the brakes when approaching cars and/or other objects? Parents can't teach what they don't know. Mercedes research in 1992 revealed that 90% of drivers cannot execute an optimal emergency stop on a ...
by tadamsmar
Wed May 13, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: Auto-braking systems in cars - experiences?
Replies: 67
Views: 2734

Re: Auto-braking systems in cars - experiences?

I wouldn't want to teach my children, from day 1, to rely on computers to not hit other cars, but that's just my opinion. Well, sometimes philosophy can collide with the real world. How much additional risk are you willing to put your children in to make sure they don't become overly reliant on tec...
by tadamsmar
Wed May 13, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: Auto-braking systems in cars - experiences?
Replies: 67
Views: 2734

Re: Auto-braking systems in cars - experiences?

i actually had forgotten that my car had the Smart City brake assist (brakes for impending collision at speeds <20 mph) until i was driving towards our automatic gate at work and i guess i didn't slow down fast enough for the car to think i was going to hit the gate and the beeps went off and then ...
by tadamsmar
Wed May 13, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: Auto-braking systems in cars - experiences?
Replies: 67
Views: 2734

Re: Auto-braking systems in cars - experiences?

According to IIHS: "Forward collision avoidance systems, particularly those that can brake autonomously, along with adaptive headlights, which shift direction as the driver steers, show the biggest crash reductions." (That is, the biggest among recently introduced features that are suppose...
by tadamsmar
Mon May 11, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: Seeking input on vehicle purchase
Replies: 19
Views: 1679

Re: Seeking input on vehicle purchase

The 2009 Honda Fit Sport has ESC. At least it's optional on the 2009 and I think the Sport trim is the only one that had it. I actually steered someone toward the Sport trim back before 2012 when it was optional. Not sure it's the best choice, just saying... This is a good place to look for ESC htt...
by tadamsmar
Mon May 11, 2015 12:51 pm
Forum: Personal Consumer Issues
Topic: Seeking input on vehicle purchase
Replies: 19
Views: 1679

Re: Seeking input on vehicle purchase

The 2009 Honda Fit Sport has ESC. At least it's optional on the 2009 and I think the Sport trim is the only one that had it.

I actually steered someone toward the Sport trim back before 2012 when it was optional.

Not sure it's the best choice, just saying...
by tadamsmar
Mon May 11, 2015 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor: buy a nicer home pre-retirement
Replies: 31
Views: 2987

Re: Advisor: buy a nicer home pre-retirement

One of my possible plans to to move my laundry room downstairs in my current home. That creates a senior-friendly first floor for us. You could weight mods to your current home against other options. There is a lot of debate as to whether home ownership actually pays off if you take all the expenses...
by tadamsmar
Sun May 10, 2015 6:40 am
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9284

Re: Will you buy self-driving car?

And now a word from our sponsors, in which a google car drives a blind man to Taco Bell and the dry cleaners: https://www.youtube.com/watch?v=cdgQpa1pUUE What I wonder is how it could upend the auto insurance business and the trial lawyers advertising on daytime TV. Insuring robots that don't crash...
by tadamsmar
Sat May 09, 2015 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion, paying taxes from taxable
Replies: 6
Views: 604

Re: Roth conversion, paying taxes from taxable

My marginal rate is 25% now. I might have some headroom at the 15% rate (not more than about 10K) between 2017-2020 inclusive. After 2020 I project having a 25% marginal rate for conversions, assuming no tax law changes.
by tadamsmar
Sat May 09, 2015 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion, paying taxes from taxable
Replies: 6
Views: 604

Re: Roth conversion, paying taxes from taxable

One thing I am missing is some capital gains taxes on the withdrawal from taxable to pay for the taxes on the conversion. I did a spreadsheet on this and it looks to be a wash for the proportion of the withdrawal from taxable that you have to pay long-term cap gains on, assuming cap gain tax rate i...
by tadamsmar
Sat May 09, 2015 6:22 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion, paying taxes from taxable
Replies: 6
Views: 604

Re: Roth conversion, paying taxes from taxable

One thing I am missing is some capital gains taxes on the withdrawal from taxable to pay for the taxes on the conversion.
by tadamsmar
Sat May 09, 2015 6:13 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion, paying taxes from taxable
Replies: 6
Views: 604

Roth conversion, paying taxes from taxable

Is this logic correct?: I have 1000 in tax deferred and 250 in taxable. If I make 10% return on each, that's 100+25. The taxes are 25% on the 100 and 15% on the 25 (assuming its all capital gains). So I net $96.25 on the 10% return. If I covert to a Roth before making the 10% return, then net $100 o...
by tadamsmar
Fri May 08, 2015 7:06 am
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9284

Re: Will you buy self-driving car?

No. I would not trust it. With software of any size, there are always potential bugs as not every path through the software can be tested. It's one thing if a program crashes when you try to do A, then B, then C, because that was never tested, but all you have to do is restart the program. And do a...
by tadamsmar
Thu May 07, 2015 7:44 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9284

Re: Will you buy self-driving car?

No. I would not trust it. With software of any size, there are always potential bugs as not every path through the software can be tested. It's one thing if a program crashes when you try to do A, then B, then C, because that was never tested, but all you have to do is restart the program. And do a...
by tadamsmar
Thu May 07, 2015 7:27 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9284

Re: Will you buy self-driving car?

No. I would not trust it. With software of any size, there are always potential bugs as not every path through the software can be tested. It's one thing if a program crashes when you try to do A, then B, then C, because that was never tested, but all you have to do is restart the program. And do a...
by tadamsmar
Thu May 07, 2015 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help delaying SS (or not)
Replies: 6
Views: 485

Re: Help delaying SS (or not)

My wife started her SS at age 64 when she retired a while back. Will my initial benefit be literally half her initial benefit, or will it be inflation-adjusted according to the SS formula?
by tadamsmar
Thu May 07, 2015 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Help delaying SS (or not)
Replies: 6
Views: 485

Re: Help delaying SS (or not)

Thanks! I will apply for spousal benefits. Looks like I can do it online 3 months before I reach age 66. Looks like I can also apply for Medicare online before age 65 later this year.
by tadamsmar
Thu May 07, 2015 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help delaying SS (or not)
Replies: 6
Views: 485

Help delaying SS (or not)

I plan to retire 11/2016 when I am 66. I am thinking about delaying my SS till 70. My wife is older, already retired, and already taking SS so I don't think there are any SS strategies involving her. I have tax deferred and some Roth savings. I also have more than enough taxable savings use in place...
by tadamsmar
Thu May 07, 2015 10:31 am
Forum: Investing - Theory, News & General
Topic: To ETF or Not to ETF? That is the question.
Replies: 50
Views: 5640

Re: To ETF or Not to ETF? That is the question.

Are ETFs more subject to online theft? Hack, pump, and dump has been used against brokerage accounts where intra-day trades to stocks are allowed to make quick profits via stock pumping from hacked accounts, but it can't be used against mutual fund accounts. Two people have PMed me the same comment...
by tadamsmar
Thu May 07, 2015 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Aging parent not interested in setting up POA etc
Replies: 26
Views: 2835

Re: Aging parent not interested in setting up POA etc

I had to deal with end-of-life issues with my mom and I did not have a health care POA. I don't recall if I had a durable power of attorney, but I must have had one because I don't recall any concerns about managing her finances. All that happened is that the nursing home gave me the option to sign ...
by tadamsmar
Thu May 07, 2015 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Aging parent not interested in setting up POA etc
Replies: 26
Views: 2835

Re: Aging parent not interested in setting up POA etc

I just looked at my durable general power of attorney. It has a intent clause about how I hope and expect my attorney-in-fact will not exercise the authority unless she has a incapacity statement from a specialty board certified physician. But I am pretty sure this is not binding on the attorney-in-...
by tadamsmar
Wed May 06, 2015 7:22 am
Forum: Personal Consumer Issues
Topic: Florida Vacation
Replies: 28
Views: 1743

Re: Florida Vacation

The Magic Kingdom has a narrow gauge railroad that circles the park with 4 stations. One trick is to get to the park early and take the railroad one of the far side stations. Most of the crowd will spread out slowly from the park entrance. You can get to see some attractions on the far side early be...
by tadamsmar
Wed May 06, 2015 7:05 am
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9284

Re: Will you buy self-driving car?

But then, how will they account for variable performance characteristics between vehicles - stopping distance, etc.? And then, even if there was a standard, can it account for variables like the condition of the vehicles tires, or brake pads? Electronic Anti-Lock Brakes (ABS) have been around since...
by tadamsmar
Tue May 05, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: Florida Vacation
Replies: 28
Views: 1743

Re: Florida Vacation

Random Musings wrote:To paraphrase a Seinfield quote: They're real and they're spectacular.

RM


Well, they have had some augmentation:

http://sarasotanewsleader.com/south-siesta-project/

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