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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: 3042

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: 159
Views: 14528

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: 159
Views: 14528

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: 159
Views: 14528

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: 159
Views: 14528

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: 2922

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: 3403

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: 347

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: 347

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: 347

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: 1204

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: 347

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: 4226

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: 6932

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: 9143

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: 6932

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: 6932

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: 6532

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: 815

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: 815

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: 815

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: 753

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: 2171

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: 4814

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: 3545

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: 1765

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: 845

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: 1082

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: 1082

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: 1082

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: 1082

What's the Difference? [Among Target Date Retirement Funds]

My son and his wife have asked me to help them get started on investing for their retirement. Yeah!!!! :D They have $4,000 to invest in a ROTH. They want a 90/10 asset allocation so I reviewed the Target Retirement 2060 fund. I also looked at the TR 2050, TR 2055 and TR 2045 funds. All of them have ...
by teacher
Wed Feb 19, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's the Difference? [Among Target Date Retirement Funds]
Replies: 14
Views: 1082

Re: Annuities and Asset Allocation

You may not get a cut and dried answer, Stan. I remain unclear about what should be included in one's asset allocation.
viewtopic.php?f=1&t=130767&p=1925533#p1925533

Even Bogleheads and Jack Bogle are not really in complete agreement.
by teacher
Tue Jan 28, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuities and Asset Allocation
Replies: 10
Views: 538

Re: Past Performance?

One wonders how these guys stay in business. I wonder how long will it take for individual investors to catch on. Thanks for helping me make a very important point to our adult sons, Taylor.
by teacher
Tue Jan 28, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: Past Performance?
Replies: 6
Views: 859

Re: Annuities and Asset Allocation

My guess (and that is all it is, a guess), is an annuity would be treated the same as a pension and not be considered part of the asset allocation. An annuity is not part of portfolio investments that can be bought and sold, and unless it is an inflation-adjusted annuity, it is stagnant; no gains, n...
by teacher
Tue Jan 28, 2014 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuities and Asset Allocation
Replies: 10
Views: 538

Re: Retiring in 2015 - Should my Roth be all equities?

John wrote:
Assuming you have your desired AA, put the riskiest/more volatile equities in your Roth. Why, because they have the ability to have the largest gains, tax free.

We put Vanguard Health Care and Cap Opp funds in our ROTHs. Hoping it will help with RMDs down the road.
by teacher
Fri Jan 24, 2014 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2015 - Should my Roth be all equities?
Replies: 18
Views: 1532

Re: Have you invested in an SPIA?

Leeraar wrote: My point about interest rates is that comparable investments have the same interest rate risk. Waiting to buy an SPIA is speculation on interest rates, just like not buying long bonds. People delay taking a SPIA expecting interest rates will improve when they are very low, and I agre...
by teacher
Sat Jan 18, 2014 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have you invested in an SPIA?
Replies: 57
Views: 2365

Re: Have you invested in an SPIA?

Leerar wrote: And what are you investing in while you wait for rates to go up? That will assure income in 30 years? For now, we are investing the LS in Stable Value at 2.67% interest. SV is not guaranteed, but it did quite well during the Great Recession. We have not ruled out a SPIA entirely, but ...
by teacher
Sat Jan 18, 2014 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have you invested in an SPIA?
Replies: 57
Views: 2365

Re: Have you invested in an SPIA?

Leerar wrote: teacher wrote:We can always change our minds in future and reconsider a SPIA as DH advances in years and if the SPIA interest rates increase. What do interest rates have to do with it? Don't SPIA payout rates tends to track interest rates? Maybe I'm wrong. Interest rates are as low as...
by teacher
Sat Jan 18, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have you invested in an SPIA?
Replies: 57
Views: 2365

Re: Have you invested in an SPIA?

DH took a lump sum pension and the first thing we considered was a SPIA. We checked Fidelity and Vanguard for rates. Vanguard offered a rate $80 a month more than what his pension would have been. We were all ready to take the offer, but we could not lock in the rate since the LS would not be in our...
by teacher
Sat Jan 18, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have you invested in an SPIA?
Replies: 57
Views: 2365

Re: Where do you find the best rates for a five fixed annuit

Check out Vanguard. They had better rates than Fidelity.
by teacher
Fri Jan 17, 2014 12:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Where do you find the best rates for a five fixed annuities
Replies: 4
Views: 330

Re: What to include when deciding Asset Allocation

teacher wrote: We plan to invest the LS pension (which will be 28% of our portfolio when it is included) into Stable Value at 2.67% yield, .35% ER. That alone will skew the Asset Allocation. We were thinking about putting the inheritance (which will be 6% of the portfolio, including SV) into a MM, ...
by teacher
Thu Jan 16, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to include when deciding Asset Allocation
Replies: 8
Views: 494

Re: What to include when deciding Asset Allocation

retiredjg wrote: When you get the lump sum pension and the inheritance, I'd include them in your asset allocation which likely means buying both stocks and bonds with the new money. Before that, they are not "investable" and they are not "spendable"......As for the cash for all ...
by teacher
Thu Jan 16, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to include when deciding Asset Allocation
Replies: 8
Views: 494

Re: What to include when deciding Asset Allocation

Sidney wrote:
My rule of thumb is anything that can be converted to food within a reasonable period of time (5-10 business days?).


I had not thought of basing the decision according to imminent need. Food for thought. Thanks.
by teacher
Thu Jan 16, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: What to include when deciding Asset Allocation
Replies: 8
Views: 494

Re: Medicare classifications

Thank you for this information. I have heard there is controversy regarding "admitted" vs "under observation", but I didn't understand what it was. To further confuse, my 96 year old mother has been held overnight for observation, then allowed to go to a nursing home for rehab. A...
by teacher
Wed Jan 15, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Medicare classifications
Replies: 2
Views: 411

What to include when deciding Asset Allocation

John Bogle recommends capitalizing Social Security for asset allocation purposes. I assume he would take the value of a pension into account as if it were invested in fixed-income investments as well. Bogleheads typically don’t agree. To date, I have not included the following in fixed: ~DH’s SS ~my...
by teacher
Wed Jan 15, 2014 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to include when deciding Asset Allocation
Replies: 8
Views: 494

Re: Biotechnology or Microbiology

epilnk wrote: I'd rather have the student with a reasonable number of science classes plus a double major in English Lit, or the one who studied french horn and got to play with the local symphony during one of those massively overhorned Mahler pieces. Bingo. My son plays the french horn and cello....
by teacher
Mon Jan 13, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biotechnology or Microbiology
Replies: 36
Views: 1147

Re: School District Not Allowing me To Invest

gvsucavie03 wrote: I think if the administration knows how poorly THEIR OWN investments are performing AFTER fees, they might give this a second look. Sounds like they've already given you a cold shoulder, though. Excellent point. I think educating those in charge who will be affected by the impact...
by teacher
Mon Jan 13, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: School District Not Allowing me To Invest
Replies: 82
Views: 6051
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