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Re: Surviving the Tax Bite of RMD Withdrawals in Retirement

To access the article in a backdoor kind of way, go to:
http://www.bullfax.com/?q=node-survivin ... retirement

Then go to the right top corner and click where it says, "Original article".
by teacher
Fri Jan 23, 2015 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: Surviving the Tax Bite of RMD Withdrawals in Retirement
Replies: 75
Views: 6160

Re: A quick poll--pension annuity vs. lump sum

BigJohn wrote: Bill M, no argument with the point that many aspects of this are a risk management decision but I don't think it's as simple as saying the annuity is the lower risk option. If your annuity does not have a COLA then you can't ignore the risk of inflation that comes with that choice. I ...
by teacher
Mon Jan 19, 2015 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 62
Views: 3701

Re: How do I retire?

With $5.2 million in assets at Vanguard, you qualify for Flagship Status and are allowed a personal representative, a Certified Financial Planner professional for "guidance on particular financial issues as they arise" , and "A Vanguard Financial Plan for long-range planning by a CFP ...
by teacher
Fri Jan 16, 2015 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I retire?
Replies: 53
Views: 4734

Re: A quick poll--pension annuity vs. lump sum

My pension and DH's Social Security meet our basic expenses at the moment. DH had a choice of a pension or a lump sum. He chose the later and invested all of it in a Stable Value fund. SV replaces the bonds allocation in our portfolio. We want the option of passing on an inheritance to our heirs. Bu...
by teacher
Fri Jan 16, 2015 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 62
Views: 3701

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

Look how much this contest has grown since it's inception with another day to go: 2014–503 (14 experts) 2013–433 (11 experts) 2012–410 (14 experts) 2011–369 (6 experts) 2010–282 (10 experts) 2009–64 (15 experts) 2008–297 (13 experts) 2007–309 (12 experts) 2006–274 (12 experts) 2005–270 (10 experts) ...
by teacher
Fri Jan 09, 2015 10:14 am
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19745

Re: Rental Property Pros/Cons

If the return is only 3% on a rental property with no mortgage and with a positive cash flow of approximately $500 a month, and considering 1-2% for maintenance/repairs on approximately $200,000 value, in what scenario would a rental be a positive, preferred asset? How would it have to pencil out to...
by teacher
Fri Jan 02, 2015 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 48
Views: 4277

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2233.0
fingers crossed
by teacher
Thu Jan 01, 2015 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19745

Re: Rental Property Pros/Cons

ILike Jack asked: You received an inheritance. It happened to be a house. If it happened to have been cash instead, would you now be looking to invest that cash in a rental property? Actually, I will need to pay one of my siblings cash for his third of the property inheritance. That could amount to ...
by teacher
Wed Dec 31, 2014 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 48
Views: 4277

Re: Rental Property Pros/Cons

I have read one should save between 1% to 2% of the value of rental property for repairs, annually. If that's a good rule of thumb, that would require setting aside $166 – $333 monthly. That plus the other expenses I mentioned leaves maybe $523 – $690 positive cash flow if we could rent it for $1,20...
by teacher
Tue Dec 30, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 48
Views: 4277

Re: Rental Property Pros/Cons

I did not make it clear, that is $1,200 a MONTH, not a year. Does that change your opinion? This year, property tax is $115 monthly, and property insurance is $40 a month. Both will go up next year. I think we would have to pay garbage and sewer which is $35 a month now. I don't know what a property...
by teacher
Tue Dec 30, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 48
Views: 4277

Re: Rental Property Pros/Cons

Easily Confused asked: How much is the house worth? How much rent can you get for a similar property in your area? Without knowing those numbers it's hard to give specific advice. The house is small, less than 1,000 square feet on a zero lot line. It has two bedrooms, two baths, a great room with a ...
by teacher
Tue Dec 30, 2014 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 48
Views: 4277

Re: 'time in' the market vs 'timing' the market

Thank you all for responding to a well worn topic. I gleaned a better perspective from your eclectic viewpoints, and I will share them with my son who will make the ultimate decision. The more input, the better educated his decision will be. Midareff makes a good point; "A large part of investi...
by teacher
Tue Dec 30, 2014 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2431

Re: Rental Property Pros/Cons

That would have applied when we had our rental in the '90s, but not any more, Watty. We never considered that risk decades ago, and should have.
by teacher
Mon Dec 29, 2014 11:26 pm
 
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 48
Views: 4277

Re: Rental Property Pros/Cons

Your comments lead me to realize I have some homework to do before taking on the task of owning a rental again. I assumed having a property manager would be insurance against what we experienced the last time, but now I think maybe not. Next step is to find out what specific services they provide. T...
by teacher
Mon Dec 29, 2014 10:48 pm
 
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 48
Views: 4277

Re: Rental Property Pros/Cons

Pause for thought, Jack. I suppose I should look into exactly what a property manager does. I suppose it varies, depending on who you hire.
by teacher
Mon Dec 29, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 48
Views: 4277

Re: Rental Property Pros/Cons

Thanks for your comment, Timboktoo Our house is paid off and we have "enough" invested along with a pension. We have owned a rental before, and after costly, difficult experiences, we know for sure that if we kept this house as a rental, we would hire a property manager. The positive cash ...
by teacher
Mon Dec 29, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 48
Views: 4277

Rental Property Pros/Cons

I certainly do not agree with the premise that owning rental properties is a substitute for contributions to a 401k, but aside from the obvious horrors of managing rentals if you choose not to hire a property manager, and the costs for upkeep, what do you think about the underlined bit of the follow...
by teacher
Mon Dec 29, 2014 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 48
Views: 4277

Re: Is a Feit LED bulb safe in enclosed area?

Thanks everyone. There are some good leads here. I will pass this on to DH who is looking for a solution.
by teacher
Sat Dec 27, 2014 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Is a Feit LED bulb safe in enclosed area?
Replies: 11
Views: 1226

Re: Is a Feit LED bulb safe in enclosed area?

Thanks, everyone. One issue we just realized after reading comments on the link I provided is the Feit LED bulb would be too dim to navigate. Back to the drawing board. :?
by teacher
Fri Dec 26, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Is a Feit LED bulb safe in enclosed area?
Replies: 11
Views: 1226

Is a Feit LED bulb safe in enclosed area?

We recently had a Panasonic Whisper Quiet bathroom fan with a 4 watt night light, with a candelabra base installed. We have been trying to find a red incandescent replacement bulb to help a sleep deprived family member, without much success. We found a Feit LED bulb that is red with a candelabra bas...
by teacher
Fri Dec 26, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Is a Feit LED bulb safe in enclosed area?
Replies: 11
Views: 1226

Re: 'time in' the market vs 'timing' the market

Thanks, Miriam
Today is his birthday. "If You Can, How Millennials Can Get Rich Slowly." sounds like a good gift this year.

The Callan Periodic Table is a good idea, heyyou. Your post gives me useful background information when talking to him about his decision.
by teacher
Fri Dec 26, 2014 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2431

Re: 'time in' the market vs 'timing' the market

Toons
I added this to the options:
OR....
• Invest in a Target Date fund, or entirely in a fixed fund i.e. Treasury bond (TIPS), rather than entirely in an equity fund.
by teacher
Fri Dec 26, 2014 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2431

Re: butterflies investing $500K

Very sound advice Laura. Most helpful as I talk to my son about whether he should get into the market at it's peak in history.
by teacher
Fri Dec 26, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: butterflies investing $500K
Replies: 28
Views: 3779

Re: 'time in' the market vs 'timing' the market

fposte wrote: • If you are reluctant to get in when the market is highest it has ever been in history, you may need to watch how the market fluctuates for months, or even a year before jumping in. I'm not seeing the benefit of this--it just seems like painting risk aversion as study. I agree, but th...
by teacher
Fri Dec 26, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2431

Re: 'time in' the market vs 'timing' the market

nedsaid wrote: Please don't waste your son's time on "stock market simulations", "imaginary investments", "shadow portfolios" or any such nonsense. The lessons about investing and the markets have to be learned with real money. The imaginary stuff is like playing Monopo...
by teacher
Fri Dec 26, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2431

Re: 'time in' the market vs 'timing' the market

From our discussion on this thread, I have lifted perspectives as it applies to my son, and here's what I have to offer him so far: (I will wait a bit in case any more gems are posted.) Here are some thoughts about best time to invest your funds: • If you are reluctant to get in when the market is h...
by teacher
Fri Dec 26, 2014 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2431

Re: 'time in' the market vs 'timing' the market

Hi Lafder My son hopes to move closer to work in 2015, but his only debt is the mortgage. The gift was earmarked for retirement, but of course he may use it as he sees fit. His investing literacy is rudimentary, but he is asking salient questions. My biggest fear is someone will sell him a "sur...
by teacher
Fri Dec 26, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2431

Re: 'time in' the market vs 'timing' the market

Is it fair to say, if the market tanks soon after investing, one does not actually lose the funds if held long-term? It just means the shares were expensive when purchased, and in time, the cost-per-share will most likely return to paid cost-per-share in a TSM index fund?
by teacher
Fri Dec 26, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2431

Re: 'time in' the market vs 'timing' the market

Toons wrote: It is about "Time and Compounding" in the market, not timing. This was my take when I talked to him about it last night. Thank you for the example. Ours is similar, but I am trying to keep our success out of the equation for now, mostly due to the concern TimeLord brought up, ...
by teacher
Fri Dec 26, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2431

'time in' the market vs 'timing' the market

I'm sure this concern has been hashed out ad nauseum on this board, but I can't find a current, relevant thread. My 36 year old son is well established with a family, a home mortgage and little discretionary income. Recently, he is showing interest in ameliorating a pension-to-be with investments. :...
by teacher
Fri Dec 26, 2014 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2431

Re: AT&T Stable Value Fund

Webslinger wrote: ....a SVF may restrict withdrawals during certain events such as layoffs when many employees may in mass request withdrawals or transfers from the SVF. I had heard this before we invested in the AT& T Stable Value fund, so I asked the representative and he assured me (verbally)...
by teacher
Wed Dec 24, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: AT&T Stable Value Fund
Replies: 19
Views: 2325

Re: AT&T Stable Value Fund

Betterdays wrote:
Did AT&T allow merging other 401K accounts into their 401K? I asked their administrator the same question and was told NO.

We did not try to merge 401K accounts. We only rolled the lump sum pension into the AT&T 401K.
by teacher
Wed Dec 24, 2014 10:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: AT&T Stable Value Fund
Replies: 19
Views: 2325

Re: BOGLEHEAD CONTEST -- November 2014

GoBlue wrote:
You're number one now, and I'm number 2. I think we used the same formula, but you rounded down and I didn't, so I'm behind by .24. Come on S&P 2089! :sharebeer

Formula? You have to be kidding. No rhyme or reason, just a wishful hunch. I see I have slipped already.
by teacher
Wed Dec 24, 2014 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- November 2014
Replies: 41
Views: 5559

Re: BOGLEHEAD CONTEST -- November 2014

I am in third place at the moment, but I think that will not hold by the end of this month. I think there will be a dip before New Years and others will cut in line. :wink:
by teacher
Wed Dec 24, 2014 10:12 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- November 2014
Replies: 41
Views: 5559

Re: AT&T Stable Value Fund

We put DH's entire lump sum pension in the AT&T Stable Value Fund in March of this year. At that time, the ER was .35%. Now, it is .39ER. I started tracking the yield in April when it had a .69 daily yield and 2.49 one yr yield. Now, it has a 2.32 daily yield and 2.39 one yr yield. Seems to me, ...
by teacher
Wed Dec 24, 2014 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: AT&T Stable Value Fund
Replies: 19
Views: 2325

Re: Turnover Expense impact on Expense Ratio

Thanks, dbr!
This is a revelation for me. But it reminds me of a quote:
“The more I learn, the more I realize how much I don't know.”
Albert Einstein
by teacher
Sun Dec 14, 2014 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: Turnover Expense impact on Expense Ratio
Replies: 22
Views: 784

Re: Turnover Expense impact on Expense Ratio

TradingPlaces wrote: My opinions strictly: - expense ratio is what fund manager charges for administration and management, - if turnover is high, that should be reflected in the funds performance. A fund that trades more will make less returns. That is exactly what I thought before I found the comme...
by teacher
Sun Dec 14, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Turnover Expense impact on Expense Ratio
Replies: 22
Views: 784

Re: Turnover Expense impact on Expense Ratio

Oops. Thanks lazyday. I hesitate to ask for help finding links, so when someone supplies them, it's a gift. Vanguard wins. Here's why: The comparatively very low turnover rate at Vanguard (7% vs 32%) affects transaction costs and fund value as well. A fund’s turnover (trading activity, the buying an...
by teacher
Sun Dec 14, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Turnover Expense impact on Expense Ratio
Replies: 22
Views: 784

Re: Turnover Expense impact on Expense Ratio

retiredjg wrote: If you want to compare like to like, compare to the Fidelity Freedom INDEX Fund series....I would NOT use the Fidelity Freedom series - just a jumbled unintelligible mess with a high expense ratio. I probably would use the Fidelity Freedom Index Series... I'm so happy you caught tha...
by teacher
Sun Dec 14, 2014 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Turnover Expense impact on Expense Ratio
Replies: 22
Views: 784

Re: Turnover Expense impact on Expense Ratio

crefwatch wrote: First, you should make sure you are comparing "like" funds. Are the target dates, for example, the same? Do they have roughly the same balance of stocks and bonds? Vanguard Retirement 2030 Fund AA: 78.2 equities/24.06 fixed US Stock 53.50% Intl 21.65% Bonds 22.53% Cash 1.5...
by teacher
Sun Dec 14, 2014 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: Turnover Expense impact on Expense Ratio
Replies: 22
Views: 784

Turnover Expense impact on Expense Ratio

While comparing target date 2030 funds for my son for his ROTH, I found the turnover ratio for the Vanguard fund is 7% while at Fidelity, it's 54%. I was wondering if a higher turnover ratio generates costs not reflected in a fund's expense ratio, so I found this on Investopedia: "A fund's trad...
by teacher
Sun Dec 14, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Turnover Expense impact on Expense Ratio
Replies: 22
Views: 784

Re: Switch Intl Fund or Stay the Course?

Thank you for your definitive answer livesoft. Morningstar reports:
Vanguard Total World Stock Idx Inv has 50.82% US
Vanguard Tot Intl Stock Ix Admiral has .23% US
Vanguard FTSE All World ex-US Adm has .23% US
Apples and Oranges
So Laura and I agree, Stay the Course.
by teacher
Sun Nov 30, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Switch Intl Fund or Stay the Course?
Replies: 3
Views: 503

Switch Intl Fund or Stay the Course?

I just read through the current thread, “ International Stock Diversification – A New Look ” in Investing-Theory, News & General https://www.bogleheads.org/forum/viewtopic.php?f=10&t=150504 It confirms what I had suspected, increasing globalization and the rise of multinationals companies an...
by teacher
Sun Nov 30, 2014 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Switch Intl Fund or Stay the Course?
Replies: 3
Views: 503

Re: How did you handle the 2008 bear market ?

I had been perusing this forum for some time before the crash. We had changed our Asset Allocation from 100% for 30 years of investing to 75% equities months before everything went south. We lost a chunk. I had this theory that if we hung on and did not touch anything, eventually, the market would r...
by teacher
Sat Nov 29, 2014 11:24 am
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 7408

Re: Tax-Deductible Donations to the Forum?

Mel Lindauer wrote: And, if for any reason Alex and Larry tire of running the forum, The Bogle Center stands ready to incorporate the forum into The bogle Center's operations. This is a great relief to me. I have often wondered if there was a plan B should our generous forum providers become unable ...
by teacher
Sat Nov 29, 2014 9:29 am
 
Forum: Forum Issues and Administration
Topic: Tax-Deductible Donations to the Forum?
Replies: 33
Views: 6600

Click on Amazon link and support Bogleheads

[Thread merged into here, see below. --admin LadyGeek] I just did Christmas shopping for my family on Amazon. But first, I clicked the Amazon.com link in the heading above. May not be much, but it felt good supporting my favorite board on-line. I'm in the habit of NOT forgetting the opportunity to ...
by teacher
Fri Nov 28, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: Shopping Amazon? Use the Boglehead link!
Replies: 6
Views: 1153

Re: TSM vs Small/Mid Cap fund

Since we have nearly 12% of our portfolio in managed funds, Vanguard Health Care and Capital Opportunity, I decided it is best to move the Small/Mid fund to TSM Index, and I pulled the plug today. Besides, Vanguard and Fidelity TSM Index, we have Vanguard Intl Index, Vanguard FTSE Index, Vanguard TI...
by teacher
Tue Nov 25, 2014 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM vs Small/Mid Cap fund
Replies: 10
Views: 778
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