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Re: What's your number?

John wrote:
25 times my desired yearly budget less SS :beer


Yes, but if you are 30 now, how do you know what your yearly budget will be in 25 years?
by teacher
Wed Apr 23, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 30
Views: 1577

Re: Can you put after tax RMD withdrawals into ROTH?

Thank you, earlyout. This looks like a simple process which will avoid some hassles. I have not seen it discussed before. Much appreciated.
by teacher
Fri Apr 18, 2014 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1120

Re: Can you put after tax RMD withdrawals into ROTH?

Thanks very much Wizard and everyone else who responded. This thread is a keeper. I will refer to it when we become RMD age. I tried to get clarity on this issue on the web prior to this post with no success, and I couldn't find the IRS rules that addressed these specifics in IRS publications. This ...
by teacher
Fri Apr 18, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1120

Re: Can you put after tax RMD withdrawals into ROTH?

From IRS publication 590 under conversions: Required distributions. You cannot convert amounts that must be distributed from your traditional IRA for a particular year (including the calendar year in which you reach age 70½) under the required distribution rules (discussed later in this chapter). D...
by teacher
Fri Apr 18, 2014 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1120

Re: Can you put after tax RMD withdrawals into ROTH?

kanoehe wrote: Be sure to take out all of your RMD first before you withdraw the additional amount to convert. If you do them in the opposite order, you could be creating trouble. Thanks. I think I will take Wizard's advice and save the remaining after-tax RMD funds for a conversion the following y...
by teacher
Fri Apr 18, 2014 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1120

Re: Can you put after tax RMD withdrawals into ROTH?

Wizard said:
...ignoring state income taxes...

I have been using a RMD calculator to get a feel for what out RMDs will be in 4-5 years. I forgot all about state taxes. I am a Californian. :shock:
by teacher
Fri Apr 18, 2014 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1120

Re: Can you put after tax RMD withdrawals into ROTH?

Wizard said: ....set up a separate additional Roth conversion, perhaps using your RMD funds to make an estimated tax payment on that conversion. Good idea. In the early RMD years when the percent withdrawal is lowest, this would be possible. I think there may be a point where it would be counterpro...
by teacher
Fri Apr 18, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1120

Re: Can you put after tax RMD withdrawals into ROTH?

We will have excess after paying taxes on RMD withdrawals, and I hoped we could put the after-taxes RMD funds remaining into the ROTH since we will not use most of it. Silly me. If anyone sees holes in my summation in my last post, please comment.
by teacher
Fri Apr 18, 2014 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1120

Re: Can you put after tax RMD withdrawals into ROTH?

2retire wrote: Only if you or you spouse is still working and have earned income up to the amount you want to put in. I was thinking of a ROTH conversion, not an earned-income type ROTH, but your answer leads me to think once the RMDs are taken out of the tax-sheltered account and taxes are paid, t...
by teacher
Fri Apr 18, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1120

Can you put after tax RMD withdrawals into ROTH?

After taxes are paid on RMD withdrawals, can one put the remainder into a ROTH, or are there more taxes to be paid first? I think this has been addressed, but for the life of me, I can't find the answer. Sorry if this is redundant.
by teacher
Fri Apr 18, 2014 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1120

Re: Keep passwords in USB thumb drive: good idea?

Tyrion wrote:
Here's an idea- Use keypass/lastpass to store the majority of your password, but leave something extra for you to complete each time.

What a great idea! I wouldn't have thought of that.
by teacher
Wed Apr 16, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Keep passwords in USB thumb drive: good idea?
Replies: 43
Views: 2020

Re: In reference to Heartbleed, are Google Docs safe?

I have been dragging my feet because I read it would not be helpful to change passwords until the Heartbleed patches are in place. Apparently, they have been. I need to get cracking.
by teacher
Wed Apr 16, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: In reference to Heartbleed, are Google Docs safe?
Replies: 9
Views: 370

Re: In reference to Heartbleed, are Google Docs safe?

Oh, THANK-YOU, Nummerkins. That's a great website!
by teacher
Wed Apr 16, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: In reference to Heartbleed, are Google Docs safe?
Replies: 9
Views: 370

In reference to Heartbleed, are Google Docs safe?

Considering the Heartbleed security issue, does anyone feel uncomfortable using Google Docs to track their portfolio? Google was on the list of insecure sites. I don't know whether they have addressed the security issue.
by teacher
Wed Apr 16, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: In reference to Heartbleed, are Google Docs safe?
Replies: 9
Views: 370

Re: Keep passwords in USB thumb drive: good idea?

Thanks everyone. Using a password manager feels wrong because I am trusting an outside entity, but I have to get over it and bite the bullet. I'll read the "KeePass vs LastPass" thread to decide which one is best for a MacBook Pro. Dang. Thought we had a simple solution. :?
by teacher
Wed Apr 16, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Keep passwords in USB thumb drive: good idea?
Replies: 43
Views: 2020

Re: Keep passwords in USB thumb drive: good idea?

investor1 wrote:
It is never a good idea to store login information in plain text anywhere on your computer.

But if the information is in a thumb drive, it would be opened, info copied, closed and removed from the computer. It would never actually be on the computer. Right? Am I missing something?
by teacher
Wed Apr 16, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Keep passwords in USB thumb drive: good idea?
Replies: 43
Views: 2020

Keep passwords in USB thumb drive: good idea?

Does anyone keep their passwords and user IDs in a USB thumb drive instead of using a password manager like LastPass or KeePass? It seems it would be easy to keep the list of passwords/user IDs with corresponding websites on an excel spreadsheet and copy/paste onto websites. Does this idea seem work...
by teacher
Wed Apr 16, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Keep passwords in USB thumb drive: good idea?
Replies: 43
Views: 2020

Re: Woodpeckers...I'm desperate!

A woodpecker took a liking to our cedar siding just after we moved into our house in a neighborhood with a number of heritage oak trees. It did quite a bit of damage, and we were also told woodpeckers are protected and we better not touch it. We tried fake owls, shinny objects, etc., but nothing wor...
by teacher
Sun Apr 13, 2014 2:15 am
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3440

Re: heartbleed - widespread internet security problem

I get passwords need to be changed regularly and personal questions in this instance needs to be changed, but what about the user name?
by teacher
Thu Apr 10, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16481

Re: Heartbleed Security Flaw

Thanks for directing me, CyberBob.
My apologies to all for bringing up a topic already discussed.
by teacher
Thu Apr 10, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16481

Re: Heartbleed Security Flaw

Thanks, InvestorNewb. I didn't look in "Personal Consumer Issues".
by teacher
Thu Apr 10, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16481

Heartbleed Security Flaw

[Thread merged into here, see below. --admin LadyGeek] I came to the forum last night and again this morning hoping to find conventional wisdom on the topic of the Heartbleed security hole recently found in the internet. I can't find any discussion so I thought I would start the ball off rolling. A...
by teacher
Thu Apr 10, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16481

Re: Financial Plan from Vanguard?

Vinney wrote: I know I can add those but I'm still trying to comprehend the Vanguard recommendation that the Total Stock Market covers all my U.S. stock needs and covers Reit, Value and Small Cap Value. How I can even tell that with them not disclosing to me what % of each if part of the Total Stoc...
by teacher
Sat Mar 29, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial Plan from Vanguard?
Replies: 23
Views: 2948

Re: Bob Brinker portfolio

Akre Focus Fund: Maximum Fees Management 0.9% Redemption 1.0% Actual Fees 12b-1 0.25% Management 0.9% Net Expense Ratio: Annual Report 1.36% Net Expense Ratio: Prospectus 1.36% http://money.usnews.com/funds/mutual-funds/mid-cap-growth/akre-focus-fund/akrex/fees Compare to Vanguard Capital Opportunit...
by teacher
Sat Mar 29, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker portfolio
Replies: 29
Views: 3447

Re: Is a UK AVIVA Portfolio Bond inheritance taxable?

I am assuming the estate taxes were already paid in 2001 upon death of DH's mother. There is no estate left with the exception of this inheritance. With this information, we can move forward with removing the money from AVIVA Bond Portfolio which currently is not charging MVR fees. We'll get on this...
by teacher
Sun Mar 23, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a UK AVIVA Portfolio Bond inheritance taxable?
Replies: 6
Views: 366

Re: Is a UK AVIVA Portfolio Bond inheritance taxable?

Thank you so much, Valuethinker. This gives me a lot to go on. I found this website which says, "Everyone in the 2013-2014 tax year has a tax-free inheritance tax allowance of £325,000. The allowance has remained the same since 2010-11, and will stay frozen until at least 2017." The inheri...
by teacher
Sat Mar 22, 2014 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a UK AVIVA Portfolio Bond inheritance taxable?
Replies: 6
Views: 366

Re: Is a UK AVIVA Portfolio Bond inheritance taxable?

Valuethinker wrote: If your husband is not resident in the UK why would there be any tax consequences? It's only at the US end. UK non-residents don't pay tax in the UK (except withholding taxes). Exceptions if there is inheritance tax due (I assume not). Of if there was some form of withholding ta...
by teacher
Sat Mar 22, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a UK AVIVA Portfolio Bond inheritance taxable?
Replies: 6
Views: 366

Re: Need to allocate $155K in IRA

*bump
by teacher
Sat Mar 22, 2014 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need to allocate $155K in IRA
Replies: 10
Views: 1223

Is a UK AVIVA Portfolio Bond inheritance taxable?

DH has a bond inheritance that has been removed from a will trust and remains in AVIVA investments in the UK. Prior to removing it from the trust, he repeatedly asked the UK solicitor that held the trust what would be the most tax efficient way to move the funds from the AVIVA Portfolio Bond to the ...
by teacher
Sat Mar 22, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a UK AVIVA Portfolio Bond inheritance taxable?
Replies: 6
Views: 366

Re: 10 Reasons to take your pension annuity over a lump sum

vested wrote: Additionally, by continuing to work and receiving the annuity I would have been pushed into a higher tax bracket. DH recently took the lump sum, and we may have a lower effective tax rate which would help with ROTH conversions, but at 70 1/2, we expect the lump sum will raise the RMD ...
by teacher
Tue Mar 18, 2014 12:47 am
 
Forum: Investing - Help with Personal Investments
Topic: 10 Reasons to take your pension annuity over a lump sum
Replies: 34
Views: 4241

Re: "The Average Investor Should Use a Financial Adviser"

Michread wrote: Bogleheads wiki makes it even easier because it provides Youtube videos on investing basics! http://www.bogleheads.org/wiki/Video:Bo ... philosophy... I just went through the whole series, and like you, I will definitely share them with my adult children as they have both expressed ...
by teacher
Mon Mar 17, 2014 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: "The Average Investor Should Use a Financial Adviser"
Replies: 51
Views: 6991

Re: How did you decide how much to save?

I don't remember the source, but I think this is a good rule of thumb: With Pension: Save 15% if you start in early 30s Save 20% if you start in early 40’s Save 25% if you start in early 50’s Without Pension: Save 25% if you start in early 30’s Save 30% if you start in early 40’s Save 35% if you sta...
by teacher
Fri Mar 14, 2014 1:16 am
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9182

Re: "The Average Investor Should Use a Financial Adviser"

inbox, I think Flagship investors with $1M+ have free access to a Vanguard financial planner.
by teacher
Wed Mar 12, 2014 12:32 pm
 
Forum: Investing - Theory, News & General
Topic: "The Average Investor Should Use a Financial Adviser"
Replies: 51
Views: 6991

Re: "The Average Investor Should Use a Financial Adviser"

Thanks for bringing this to our attention, Taylor. So far, DH and my two sons have not shown much of an interest in independent investing, but I have not given up on them. The last couple years I have wondered what they can do if I bite the dust before DH, or if I become incapable of managing the po...
by teacher
Wed Mar 12, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: "The Average Investor Should Use a Financial Adviser"
Replies: 51
Views: 6991

Re: Customer service - Vanguard vs Fidelity

Jeff wrote: Fidelity is in business to make a profit off their customers; as much as possible. Vanguard is in business to offer mutual funds at cost. IMO, if it were not for Vanguard, Fidelity funds would be more expensive than they are. The reason for some of Fidelity's funds to be low cost is so ...
by teacher
Mon Mar 10, 2014 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Customer service - Vanguard vs Fidelity
Replies: 80
Views: 6625

Re: Tool for comparing Total Stock Market and S&P 500 (and m

DSInvestor wrote: No membership to access growth charts at Morningstar. 1)Visit http://www.morningstar.com 2) In the quote box, enter fund ticker or fund name. 3) In the fund page, click on the tab for "chart". It's above the NAV and below the fund name. 4) This brings you to the growth c...
by teacher
Mon Mar 10, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Tool for comparing Total Stock Market and S&P 500 (and more)
Replies: 11
Views: 821

Re: Tool for comparing Total Stock Market and S&P 500 (and m

placeholder
Does the Morningstar Growth Chart Comparison require membership? I can't find it.
It may be better than the tool I found. I just like the format and overlapping comparison graphs of this tool.
by teacher
Sun Mar 09, 2014 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: Tool for comparing Total Stock Market and S&P 500 (and more)
Replies: 11
Views: 821

Tool for comparing Total Stock Market and S&P 500 (and more)

Recently, I have been reading about Jack Bogle's preference for Vanguard's Total Stock Market fund and Warren Buffet's preference for Vanguard 500 Index Fund. I found this article of particular interest. John C. Bogle on the S&P 500 vs. the Total Stock Market http://www.cbsnews.com/news/john-c-b...
by teacher
Sun Mar 09, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Tool for comparing Total Stock Market and S&P 500 (and more)
Replies: 11
Views: 821

Re: VG webcast: "Spending Strategies for your Retirement Yea

Thanks for the summary NightOwl. I signed up to watch this webcast, but life happened, and I missed it. It will help to have the list of topics with summary on hand before watching it when it is posted in future.
by teacher
Fri Mar 07, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: VG webcast: "Spending Strategies for your Retirement Years"
Replies: 6
Views: 758

Re: Stable Value Fund Canceled!

investorjon,
Do you know why they canceled the Stable Value fund? Seems cold canceling it with no lead time.
by teacher
Wed Mar 05, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund Canceled!
Replies: 22
Views: 2176

Re: Is John Bogle Wrong on Retirement Asset Allocation?

dbr said: The discussion is also opened up as to what objective the investor has for his assets. In the case that existing income is sufficient to meet needs, the purposes of investing might be other things entirely, which could dictate any range of asset allocation possibilities. When our IPS was ...
by teacher
Tue Mar 04, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is John Bogle Wrong on Retirement Asset Allocation?
Replies: 43
Views: 4835

Re: Portioning Fixed: SV, Bonds, TIPS

abuss said: What rate is the stable value fund paying compared to a simple and low cost intermediate term bond fund? The SV fund rate was 2.58% last year. Our Vanguard TBM one year return was -2.15% last year. Our AT&T Total Return Bond fund managed by Fidelity one year return was .27% last yea...
by teacher
Sat Mar 01, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portioning Fixed: SV, Bonds, TIPS
Replies: 3
Views: 295

Portioning Fixed: SV, Bonds, TIPS

DH’s lump sum pension will be transferred to his 401K Monday. We have arranged for it to be placed in the Stable Value Fund. This will increase our fixed allocation more than we want, so my question is, should the SV fund replace bonds or TIPS in fixed, or should it take equal space and be limited t...
by teacher
Sat Mar 01, 2014 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portioning Fixed: SV, Bonds, TIPS
Replies: 3
Views: 295

Re: Retirement: Protect Your Critical First Decade

Cut Throat wrote: Have you looked at VPW ?..... It cannot fail and will probably let you spend more money than any fixed withdrawal system. Simply by withdrawing less in down years and more in up market years. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=120430 I appreciate getting this...
by teacher
Thu Feb 27, 2014 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement: Protect Your Critical First Decade
Replies: 38
Views: 3558

Re: Roth IRA -When should you diversify?

abuss wrote: There are two approaches to portfolio management. They are 1) Equal Location and 2) Asset Location. Equal location is essentially the same funds in each account. Asset location is placing certain funds in certain accounts. We have used both approaches, first Equal Location, then recent...
by teacher
Tue Feb 25, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA -When should you diversify?
Replies: 21
Views: 1779

Re: Bonds in my Roth

The Boglehead's Wiki says: Place high growth stock funds If all else is equal (and it often isn't, because you may have different options in your 401(k) and your Roth IRA), it is slightly better to have the fund with the highest expected return in your Roth , because the Roth is free from Required M...
by teacher
Sun Feb 23, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in my Roth
Replies: 7
Views: 849

Re: What's the Difference? [Among Target Date Retirement Fun

nisiprius wrote: You'd be surprised how much you can pick up if you spend half an hour just poking around Vanguard's website and seeing what's under each of the tabs and where the links lead. Point taken. That's exactly what I have been doing for a couple hours this morning. This thread has been ve...
by teacher
Thu Feb 20, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's the Difference? [Among Target Date Retirement Funds]
Replies: 14
Views: 1085

Re: What's the Difference?

Duckie asked: Is the $4K going into one Roth IRA or two? Vanguard Target Retirement funds have a $1K minimum. LifeStrategy funds have a $3K minimum. Thanks for the heads-up, Duckie. I wasn't aware of that. I thought all Vanguard funds except the STAR fund had a $3+K minimum. This is my daughter-in-...
by teacher
Wed Feb 19, 2014 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's the Difference? [Among Target Date Retirement Funds]
Replies: 14
Views: 1085

Re: What's the Difference?

diekel wrote: I think your kids should not use any bonds at all at this time and use an index stock fund or if they feel like a bit more risk having a sector fund of either health or tech. That should set them on a good path. The whole 'reduce your risk with bonds' is nothing real in the long term ...
by teacher
Wed Feb 19, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's the Difference? [Among Target Date Retirement Funds]
Replies: 14
Views: 1085

Re: What's the Difference?

Thank you everyone for such detailed, clear answers. I hesitated to ask, thinking the answer had to be obvious. It required more expertise than I will ever acquire. Other than the Target Retirement Fund, is another balanced fund preferable? I have seen mention of the Vanguard Life Strategy Growth wi...
by teacher
Wed Feb 19, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's the Difference? [Among Target Date Retirement Funds]
Replies: 14
Views: 1085
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