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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: 662

Re: TSM vs Small/Mid Cap fund

Good advice, Taylor. I'll pass that one on to my two fine sons. :happy
by teacher
Tue Nov 25, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM vs Small/Mid Cap fund
Replies: 10
Views: 662

Re: TSM vs Small/Mid Cap fund

The reason I started my inquiry was a natural instinct to simplify the portfolio as we typically try to do when time marches on. To self: Keep it simple, stupid." I remember a time when small and mid caps did better than large, and that is probably why DH was advised to incorporate that fund in...
by teacher
Tue Nov 25, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM vs Small/Mid Cap fund
Replies: 10
Views: 662

TSM vs Small/Mid Cap fund

We have nearly 8% of our entire portfolio in a Fidelity Small and Mid-Sized U.S. Stock Index Fund which is an institutional fund in DH’s 401k (YTD 7.32%). This fund has not done nearly as well as the Fidelity Total U.S. Stock Market Index Fund (YTD for TSM Index is 12.75%). This sort of disparity ha...
by teacher
Tue Nov 25, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM vs Small/Mid Cap fund
Replies: 10
Views: 662

Re: Need dispensation to pay ROTH conversion taxes from tIRA

retiredjg wrote: teacher, you didn't say this, but what I gathered from your posting is that you will "ordinarily" be in the 25% bracket. You will drop in the 15% bracket for this year only, and that when RMD time comes, that will push you into the 28% bracket. If that is NOT the case, I'm...
by teacher
Tue Oct 14, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 823

Re: Need dispensation to pay ROTH conversion taxes from tIRA

JW wrote:
Are you going to be at an income that makes the full 85% of SS taxable income? If not then your RMDs will effectively get double taxed.

Yes, we will be. So there is a silver lining? I hadn't thought of that.
by teacher
Tue Oct 14, 2014 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 823

Re: Need dispensation to pay ROTH conversion taxes from tIRA

JW wrote: I think paying conversion tax out of the IRA money couldn't hurt as long as you are paying tax at a lower marginal rate than you would once your RMDs start. I am beginning to be more comfortable with the idea. My accountant will run the figures Thursday. I'm going to call Vanguard and see ...
by teacher
Tue Oct 14, 2014 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 823

Re: Need dispensation to pay ROTH conversion taxes from tIRA

JW Nearly Retired wrote:
Do not ever back away from your plan to delay SS and make that income stream as large as possible.

DH delayed SS until 67, but we think since I, a retired teacher, will not have survivor benefits, it is time to take SS.
by teacher
Tue Oct 14, 2014 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 823

Re: Need dispensation to pay ROTH conversion taxes from tIRA

Ged wrote: One thing to think about is that later in life your medical expenses may give you big deductions, letting you withdraw from tax deferred accounts with little or no taxation. Wow. I didn't know that. I bet it is based on income though, so probably would not apply. The RMD withdrawals will ...
by teacher
Tue Oct 14, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 823

Re: Need dispensation to pay ROTH conversion taxes from tIRA

musbane wrote: OK, you have run out of your (presumably taxable) mm fund.....What are you living on? I have a pension and DH will start SS this month. We haven't run out of money market funds. It's earmarked for tiding us over until DH takes SS this month and for long term expenses, including ROTH c...
by teacher
Tue Oct 14, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 823

Re: Need dispensation to pay ROTH conversion taxes from tIRA

jim wrote: But unless you have such a huge amount in your tax-deferred retirement plans that you'll be forced into a higher tax bracket when the RMDs start, I don't see much if any advantage in paying the taxes now. We started saving in tax-deferred accounts at Vanguard on a regular basis in our ear...
by teacher
Tue Oct 14, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 823

Re: Need dispensation to pay ROTH conversion taxes from tIRA

We would not have a tax penalty for early withdrawal since we are longer in the tooth than 59 1/2. Our goal is to put as much tax-deferred funds into the ROTH as possible before RMDs start in three years, so I don't want to use ROTH funds to pay taxes. Conventional wisdom is to not use tax-deferred ...
by teacher
Tue Oct 14, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 823

Need dispensation to pay ROTH conversion taxes from tIRA

We have been making ROTH conversions the last few years and paying taxes out of our money market fund. This past year, DH retired and delayed Social Security so we are in the 15% tax rate. This is the only year we will be able to make a big conversion and stay under our typical higher rate. Our mone...
by teacher
Tue Oct 14, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 823

Re: financial institution lowest exchange fees (GBP/USD)?

Absolutely amazing. I am thrilled having found Bogleheads years ago. Where else could you ask an obscure, or even mundane question about finances and investments and get multiple answers based on personal experience or expertise? I have plenty to research now, and I thank you all very much for your ...
by teacher
Mon Sep 22, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: financial institution lowest exchange fees (GBP/USD)?
Replies: 6
Views: 422

Re: financial institution lowest exchange fees (GBP/USD)?

Thanks for responding, livesoft. I'll look into Oanda.
by teacher
Sun Sep 21, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: financial institution lowest exchange fees (GBP/USD)?
Replies: 6
Views: 422

financial institution lowest exchange fees (GBP/USD)?

DH has an inheritance which is currently invested in an AVIVA bond fund in the UK. He wants to transfer the funds to our cash investment in our credit union, here, in California. Currently, the GBP/USD is $1.6297. Exchange fees vary among financial institutions. We are looking for a way to transfer ...
by teacher
Sun Sep 21, 2014 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: financial institution lowest exchange fees (GBP/USD)?
Replies: 6
Views: 422

Re: Roth Conversion Caution

Thanks, ddb
I hadn't thought of calculating a break even date. This new (to me) information, along with the possibility of ROTH law changes down the pike has me totally unsure whether further conversions are prudent. I am showing sings of analysis paralysis. :(
by teacher
Sun Sep 14, 2014 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Caution
Replies: 9
Views: 1263

Re: John Bogle on the Rise of Index Funds

Thanks Trevor. Yahoo financial news videos are on a loop. Looks like it had rolled to the next story. :?
by teacher
Thu Sep 11, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on the Rise of Index Funds
Replies: 4
Views: 574

John Bogle on the Rise of Index Funds

"The founder of Vanguard explains why his invention is winning the battle for assets. Plus: The problem with ETFs, and why we need a transaction tax." Plus, Jack Bogle comments on what would happen if nearly everyone were to move away from actively managed investments and index instead. ht...
by teacher
Thu Sep 11, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on the Rise of Index Funds
Replies: 4
Views: 574

Re: AT&T Stable Value Fund

DH took the lump sum in January and rolled the entire amount into the AT&T Stable Value fund in his 401k. The Stable Value fund takes the place of our previously held Vanguard Total Bond Market Index Fund Admiral on the fixed side of our portfolio. Currently, it has a 1.64% daily yield and 2.39%...
by teacher
Tue Sep 09, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: AT&T Stable Value Fund
Replies: 7
Views: 831

Re: Who has more organic food Costco or Sam's?

The differences in availability of organic products in Costco may be regional. (I don't know about Sam's). When my sister from Tennessee visited our Costco, she was gobstruck over the amount of organic items in our California Costco.
by teacher
Mon Sep 08, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who has more organic food Costco or Sam's?
Replies: 26
Views: 1520

Re: WSJ on leaving Roth IRA to heirs.. no so fast???

We intend to leave our Roth IRAs to our children. Apparently, possible new IRA rules are closer to reality than I thought. The first change would "require Roth owners to start taking distributions at age 70½." If that happens, there wouldn't be much left to heirs. The second change would p...
by teacher
Sun Sep 07, 2014 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: WSJ on leaving Roth IRA to heirs.. no so fast???
Replies: 11
Views: 1939

Re: POLL: What was the first stock you ever bought?

My father gave me my first stock, AT&T sometime in the '70s. It had many babies, causing complications, and in fact, stimulated my interest in index mutual funds. Thanks, Dad.
by teacher
Fri Sep 05, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2987

Re: Kaiser vs Blue Shield

EvelynM wrote:
I wish they would allow payment of premium online.

I would double check that. We pay our Kaiser premiums on line.
by teacher
Sun Aug 24, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 6085

Re: Chase Freedom reward changes in 2016

BolderBoy wrote:
Capital One 1.5% unlimited cash back Visa card?

Thanks. I'll definitely look into it.
by teacher
Sun Aug 24, 2014 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 4918

Re: Chase Freedom reward changes in 2016

LOL. kaneohe, I wish I had that kind of discipline and attention to minutia, but once those funds are co-mingled, it's all over. It's in the general pot. Nope, CHASE just lost themselves a dang good customer. I'm sure they will be devastated.
by teacher
Sat Aug 23, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 4918

Re: Chase Freedom reward changes in 2016

kaneohe wrote: Don't they allow you to take the reward as a statement credit? Isn't that as good as a paper check, maybe better, since you don't have to deal with the check? Probably quirky and old fashioned, but I like to accumulate cash kickbacks and spend it on the grand kids exclusively. If the ...
by teacher
Sat Aug 23, 2014 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 4918

Re: Kaiser vs Blue Shield

Paul wrote: I worry about the moral hazard of being both an insurance provider and the provider of medical services. The insurance side is all about cost-effective care for the group and being user-friendly. The medical side is one doctor making the best decision for the patient sitting on the exam...
by teacher
Sat Aug 23, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 6085

Re: Signing up for medicare Oct 1

tc101 Have you looked into Kaiser Permanente Advantage Plan? They cover the Atlanta area. https://healthy.kaiserpermanente.org/health/care/poc/!ut/p/a1/fZDBToNAEIafpQeOMEOpDXqDmhqoVWut4l7MQgfYFHfJdCXh7YXGmpioc5uZL9-fGRCQgdCyU5W0ymjZjL2Yvy3T7X0c-xFinM4wWUd3jxdpiog-pCCqxuQn9HXK68W6AtFKW7tKlway1hTjpra2...
by teacher
Sat Aug 23, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 3005

Re: Chase Freedom reward changes in 2016

"the discontinuation of paper checks"

No cash back is a deal breaker for me. I need my Nana money. When I was told CHASE would discontinue their rewards check, I put on my things to-do-to list to find another card to supplement my Am Ex (Costco) card. Ideas?
by teacher
Sat Aug 23, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 4918

Re: Purchasing long term care insurance for relative

SoCalGirl wrote: A question for the previous posters Longerprimer and teacher, why was Medicaid in home help or nursing homes not an option? Was a preference or your parents were not eligible? My mom was not eligible for Medi-Cal. Social Security and an $189 mo pension (for 30 years as an RN) put h...
by teacher
Sat Aug 23, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing long term care insurance for relative
Replies: 15
Views: 1028

Re: Purchasing long term care insurance for relative

captaintaco wrote: I'm curious how you're getting the $250-$400 / day figure for nursing home care? Around here, assisted living facilities run $100 / day. With inflation in 20 years I can see them costing $200 / day. Are nursing homes more expensive? While my mother was in a nursing home for rehab,...
by teacher
Sat Aug 23, 2014 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing long term care insurance for relative
Replies: 15
Views: 1028

Re: Enough retirement income to avoid Medicaid

Perhaps this is why the OP's wants to avoid Medicaid: Will Medicaid take my house when I die? Q. If I enroll in the new expanded Medicaid program, when I die and try to leave something to my kids, can the government attach those assets to repay the benefits I received? The answer is, it depends. Of ...
by teacher
Sat Aug 23, 2014 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Enough retirement income to avoid Medicaid
Replies: 30
Views: 3236

Re: What's happening with my Stable Value fund?

Thanks, placeholder. Here's what it says: Can I post images? Yes, images can be shown in your posts. If the administrator has allowed attachments, you may be able to upload the image to the board. Otherwise, you must link to an image stored on a publicly accessible web server, e.g. http://www.exampl...
by teacher
Thu Aug 21, 2014 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1879

Re: What's happening with my Stable Value fund?

Thanks for the additional info, dbr. I will definitely try to wrap my head around it later today, but as you can see by my last post, my confusion was based on the primary problem of not knowing how to read a simple chart. I would love to share it and other charts in future, but I don't know how to ...
by teacher
Wed Aug 20, 2014 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1879

Re: What's happening with my Stable Value fund?

I called Fidelity which holds the Stable Value fund and asked about the opposite trajectory of the daily yield (YTD) and 1 year yield. Being not so savvy, I concentrated on the word, "daily" thinking it was today's yield rather than a cumulative, year-to-date yield. :oops: The chart I was ...
by teacher
Wed Aug 20, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1879

Re: What's happening with my Stable Value fund?

dbr wrote: Stable means the asset value of a share is stabilized by insurance. It does not mean the yield is somehow guaranteed. If you thought that, then you misunderstood from the beginning. I understood there is no guarantee, but rather the fund is somewhat stabilized. How can one tell whether th...
by teacher
Wed Aug 20, 2014 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1879

Re: What's happening with my Stable Value fund?

Valuethinker said: So perhaps the short rates the fund is getting on its investments have gone up (a bit) but the longer term yields are falling? Is that a good thing? Perhaps daily and one year yields are not meant to inform the low-information investor. I just want to know whether this fund is &qu...
by teacher
Wed Aug 20, 2014 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1879

Re: What's happening with my Stable Value fund?

placeholder wrote:
What was the yield on the fund a year ago?

I can only go back to January 10th of this year.
The yearly yield was 2.67% on that date.
The yearly yield gradually dropped to 2.38% as of Aug 18th.
Daily yield has increased from .69% to 1.50% during that duration.
by teacher
Wed Aug 20, 2014 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1879

Re: What's happening with my Stable Value fund?

placeholder said: You're "aging out" some higher yielding days from the far end. I would have thought that if yields were less at one year than daily, but it's the opposite. Daily yield is increasing and one year yield is decreasing. Maybe I am missing your point. inbox wrote: Flattening Y...
by teacher
Tue Aug 19, 2014 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1879

What's happening with my Stable Value fund?

We invested in the AT&T Stable Value fund in January 2014. The Expense ratio had just increased from .35ER to .39ER 12/31/13. The ER has remained at .39 since January 1, 2014. Since January, I have watched the daily yield increase from .69% to 1.50% and the 1 year yield decrease from 2.67% to 2....
by teacher
Tue Aug 19, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1879

Re: TIPS vs SVF

Isn't a Stable Value fund more like a Bond fund than TIPS? Don't you need TIPS + Bonds OR SV?
by teacher
Sat Aug 16, 2014 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS vs SVF
Replies: 12
Views: 1377

Re: “The more I learn, the more I realize how much I don't k

Albert Einstein — 'As our circle of knowledge expands, so does the circumference of darkness surrounding it.'
by teacher
Sat Aug 16, 2014 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: “The more I learn, the more I realize how much I don't know"
Replies: 18
Views: 1949

Re: Best lender to refinance mortgage?

retiredjg wrote: I remember those days! Hard to imagine, isn't it? I remember sitting in my high school economics class figuring out how much a mortgage vs cash would cost over time. That lesson was my motivator to refinance one Easter break when I had some down time. All savings was invested in th...
by teacher
Sat Jun 07, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 1829

Re: 4% (or 2-3%) rule; before or after tax?

Best Plans wrote: "So if I assume my tax rate will be 25%, I use $1.5M as my "spendable" base..." That is what I have always assumed, but have not been sure it is that simple. I'll be interested in what others have to say. You have probably already considered 15% taxable needs t...
by teacher
Sat Jun 07, 2014 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: 4% (or 2-3%) rule; before or after tax?
Replies: 8
Views: 1250

Re: Best lender to refinance mortgage?

Kosmo wrote: Can I ask why he has to refinance by December? Is that when his ARM adjusts? Does he have an idea of what it will adjust to? If it's a 5/1, the adjustment may be small and he'd have another year to shop mortgages. Yes, the mortgage adjusts in December. He wants to get a predictable loa...
by teacher
Sat Jun 07, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 1829

Re: Best lender to refinance mortgage?

Thanks, runner. I'll look through those calculator options and see if any of them fit. retiredjg wrote: If he has already been paying for 5 years, it would be best for him not to go back to 30 years unless he has no choice. Not sure they can swing that. We refinanced a 13.5% 30 year to a 9.5% 15 yea...
by teacher
Sat Jun 07, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 1829

Re: Best lender to refinance mortgage?

sscritic wrote: You live in CA. Does your son? In the past, I got a HELOC from a lender other than my mortgage lender. I then refinanced with the institution that held my HELOC. Now where is Washington Mutual? For a purchase loan, I have used a mortgage broker. Most recently, I asked my real estate...
by teacher
Sat Jun 07, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 1829

Re: Best lender to refinance mortgage?

One of the qualifiers for membership to Pen Fed is:
"I am a relative or housemate of someone who is eligible"

My daughter-in-law's father is an Air Force veteran.
by teacher
Sat Jun 07, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 1829

Re: Best lender to refinance mortgage?

dm200 wrote: Check out PenFed - there are easy ways to qualify for membership My son and his wife are not associated with the military. Is there another way to qualify? I will suggest credit unions other than the one he belongs to which does not look very promising other than the fact the loans are...
by teacher
Sat Jun 07, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 1829
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