Search found 706 matches

Return to advanced search

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 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 6
Views: 935

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 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 6
Views: 935

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 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS vs SVF
Replies: 9
Views: 839

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 11:25 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: 1904

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 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 938

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 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: 4% (or 2-3%) rule; before or after tax?
Replies: 8
Views: 1225

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 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 938

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 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 938

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 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 938

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 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 938

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 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 938

Best lender to refinance mortgage?

My son needs to refinance his mortgage by December. His lender is Bank of America. *cough* The have offered him a 35 year loan with 4.21% rate with no pre-payment penalty. I expressed concern because that is the only offer they have solicited. Can anyone recommend a reputable lender that has a decen...
by teacher
Sat Jun 07, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 938

Re: Fixing what my grandfather left behind

Does your grandmother have long term care insurance? Consider the average LTC cost is $7,500 a month for skilled nursing either in-home or in a facility when deciding AA and cash reserves.
by teacher
Thu May 22, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixing what my grandfather left behind
Replies: 23
Views: 5770

Re: Hotel suggestions Washington,DC

We stayed at the Hotel Monaco Alexandria in Old Town Alexandria. The web site describes it accurately: "Everything that surrounds our boutique hotel is steeped in history. The streets, architecture and surroundings all reflect the past. You'll find that America's stories weave their magic in pr...
by teacher
Tue May 20, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Hotel suggestions Washington,DC
Replies: 32
Views: 2066

Re: When did you tell your children how much you had amassed

RedPen wrote: But I would imagine that once a child feels "rich", it might be harder for that child to develop a deep sense of empathy for those who are poor. This is a valid point. Also, a young adult, even with an education and a career, may not take saving for retirement seriously if t...
by teacher
Sun May 18, 2014 12:36 am
 
Forum: Investing - Help with Personal Investments
Topic: When did you tell your children how much you had amassed
Replies: 135
Views: 11028

Re: Deferred Income Annuity/Longevity Insurance

RMDs will be annuity enough for us. After 70 1/2, we will have taxable income whether we like it or not.
by teacher
Sat May 10, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Deferred Income Annuity/Longevity Insurance
Replies: 42
Views: 3150

Re: What is the "minimum" social security benefit?

sscritic I have never followed those rules. Please teach me after you figure them out. I have often thought I should change my Bogleheads screen name to "Learner". Trust me, I am here to glean wisdom, not to instruct. In terms of time frame, my question would apply to today's rules going ...
by teacher
Tue May 06, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: What is the "minimum" social security benefit?
Replies: 4
Views: 738

What is the "minimum" social security benefit?

There is another current thread inquiring about the "maximum" social security payout. I have been unable to find the minimum SS payout. Perhaps there is no way to find out. One must work 40 quarters to qualify for Social Security. If one worked minimum wage during that time, what would the...
by teacher
Tue May 06, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: What is the "minimum" social security benefit?
Replies: 4
Views: 738

Re: article about medicare covering more ltc issues

The new allowances under Medicare do not include long term care in a facility or in-home personal care. The article I posted has links that give specifics of new coverage. Custodial care and supervision are not included.
by teacher
Tue May 06, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: article about medicare covering more ltc issues
Replies: 8
Views: 861

Re: What is the maximum social security benefit?

Maximum Social Security Benefit: Worker Retiring at Full Retirement Age: $2,642/mo.
http://www.ssa.gov/pressoffice/factshee ... ts2014.pdf
by teacher
Tue May 06, 2014 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: What is the maximum social security benefit?
Replies: 29
Views: 2834

Re: article about medicare covering more ltc issues

A Quiet ‘Sea Change’ in Medicare http://newoldage.blogs.nytimes.com/2014/03/25/a-quiet-sea-change-in-medicare/?_php=true&_type=blogs&_php=true&_type=blogs&_php=true&_type=blogs&_r=2& "In January, Medicare officials updated the agency’s policy manual — the rule book ...
by teacher
Tue May 06, 2014 12:32 am
 
Forum: Personal Finance (Not Investing)
Topic: article about medicare covering more ltc issues
Replies: 8
Views: 861

Re: Best Hospice Care Support Forum

I am grateful for each of your responses. On reflection, I think an online support group may be counterproductive. Hopefully, hospice will provide what is needed during this very difficult time. Thank you for the suggestions and caring comments.
by teacher
Mon May 05, 2014 12:16 am
 
Forum: Personal Consumer Issues
Topic: Best Hospice Care Support Forum
Replies: 13
Views: 974

Re: Best Hospice Care Support Forum

Munir, I agree, we need to and plan to talk to the hospice provider in person; we will during the intake session. Medicare hospice does not include the custodial care and overnight monitoring which is what we really needed. Now we realize we need a thorough outline of the help they are prepared to ...
by teacher
Sat May 03, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Best Hospice Care Support Forum
Replies: 13
Views: 974

Best Hospice Care Support Forum

We have been taking care of my 96 year old mother in our home for nearly four years. Last October, my mother's doctor referred me to a hospice agency. After talking to them over the phone, I decided she would not qualify, and I was not convinced they would be much help as they don't provide the type...
by teacher
Sat May 03, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Best Hospice Care Support Forum
Replies: 13
Views: 974

Re: Selling gold jewelry

I have never heard of a good outcome selling gold jewelry. I wonder if you would get a better deal selling gold jewelry on e-bay or Craig's list.
by teacher
Fri May 02, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Selling gold jewelry
Replies: 15
Views: 1312

Re: Fixed income % at retirement

This is an interesting poll. More may respond if the word, "POLL" was included in the title.
by teacher
Wed Apr 30, 2014 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income % at retirement
Replies: 41
Views: 9519

Re: Social security at 62 vs 70

You just made our decision a lot easier, YDNAL. I have never seen a comparison of options like that before.
by teacher
Tue Apr 29, 2014 11:41 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 5788

Re: Social security at 62 vs 70

As a retired teacher, I will be impacted by GPO (Government Pension Offset). I have no survivor rights to my husband's social security. He will be 67 this fall and tentatively plans to take SS immediately after his birthday. The downside of this is our IPS says make ROTH conversions annually at leas...
by teacher
Tue Apr 29, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 5788

Re: Why will stocks/bonds do worse than in the past?

To clarify for the learner here, when you say "real return" are you referring to 100% stock allocation? I was thinking 50/50 stock/bonds when I cited between 6%-8% nominal return.
by teacher
Mon Apr 28, 2014 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: Why will stocks/bonds do worse than in the past?
Replies: 30
Views: 5550

Why will stocks/bonds do worse than in the past?

In this thread about doubling your money in a specific time frame, http://www.bogleheads.org/forum/viewtopic.php?f=1&t=138158 nisiprius said: Many people I think of as experts seem pretty sure that the outlook for both stocks and bonds is worse than in the past, so your chances of hitting 6% may...
by teacher
Mon Apr 28, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Why will stocks/bonds do worse than in the past?
Replies: 30
Views: 5550

Re: Why a million may not be enough

tc101 wrote:I recently met a woman with a paid off condo who has no savings and is happily retired on what she gets from Social Security. That would describe my mother who worked as an RN for 30 years. She did fine on SS and a tiny pension ($196 mo) and a tiny house with no mortgage for many years,...
by teacher
Thu Apr 24, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why a million may not be enough
Replies: 33
Views: 6343

Re: What's your number?

We never had a number. The only goal was to get a "critical mass", a notion I got from Bob Brinker's Land of Critical Mass radio program. I didn't really think we could save enough to acquire a "critical mass", but we saved nevertheless. Besides a money market fund holding 8 mont...
by teacher
Wed Apr 23, 2014 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31547

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: 147
Views: 31547

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: 1832

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: 1832

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: 1832

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: 1832

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: 1832

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: 1832

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: 1832

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: 1832

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: 1832

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: 3242

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: 543

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: 543

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: 543

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: 3242

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: 3242

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: 3242

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: 4920
Next

Return to advanced search