Search found 421 matches

by user5027
Wed Aug 26, 2015 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Is there a reason why........[problem logging into VG]
Replies: 4
Views: 476

Re: Is there a reason why........

I'd call Vanguard. I just logged into mine.
by user5027
Wed Aug 26, 2015 7:36 am
Forum: Personal Consumer Issues
Topic: Pandora
Replies: 4
Views: 1038

Re: Pandora

Running it right now on the blu ray player with no issues.
by user5027
Sun Aug 09, 2015 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Former Housemate Owes Money - What to do?
Replies: 97
Views: 6123

Re: Former Housemate Owes Money - What to do?

Ask the former housemate if she wants to be a TV star (on Judge Judy). :idea:
by user5027
Sat Aug 08, 2015 7:09 am
Forum: Personal Finance (Not Investing)
Topic: parent -> child gifts
Replies: 14
Views: 1381

Re: parent -> child gifts

Is there any point in an elderly parent making gifts to adult children ( who do not need the $$ now ) when the total estate is <$4 million? I think that's safely under the Federal estate tax exclusion. It will also be under the NY State exclusion in 2016. The parent lives in NY. Any reason to bothe...
by user5027
Thu Aug 06, 2015 7:19 am
Forum: Investing - Help with Personal Investments
Topic: stock shares in estate
Replies: 6
Views: 374

Re: stock shares in estate

There was a step up in basis at death...
http://www.bogleheads.org/wiki/Step-up_in_basis

If the shares are sold, tax would be due on any gain since your Grandmother's death.
by user5027
Wed Jul 29, 2015 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Best Way to Approach Move to Index Funds in Complex Portfolio
Replies: 13
Views: 1213

Re: Best Way to Approach Move to Index Funds in Complex Portfolio

Would it make sense to keep the investments as is, but start buying the Index Funds I want. Then, when I rebalance, I could start selling some of the individual stocks to invest in the ETFs. Yes. Do you have any losses? You could sell those and use them to balance against the gains. You could look ...
by user5027
Mon Jul 27, 2015 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement finances for two
Replies: 8
Views: 1494

Re: Retirement finances for two

Whatever makes you two happy. I think you need a trust. You should discuss with an estate attorney.
by user5027
Tue Jul 21, 2015 6:07 pm
Forum: Investing - Theory, News & General
Topic: Ritholz-Are you a Macro Tourist Investor?
Replies: 3
Views: 564

Re: Ritholz-Are you a Macro Tourist Investor?

This article reminds me of when Philadelphia Magazine rated Doc Watson's Pub on the Thomas Jefferson Medical School campus as the best place to pick up someone trying to pickup a nurse. :beer
by user5027
Tue Jul 21, 2015 6:23 am
Forum: Investing - Theory, News & General
Topic: Shocking Returns! [College endowment fund]
Replies: 8
Views: 1897

Re: Shocking Returns! [College endowment fund]

When I saw this thread I thought it was going to be an article I saw in yesterday's newspaper about college endowments...
http://www.philly.com/philly/business/2 ... dowed.html
by user5027
Sun Jul 19, 2015 3:09 pm
Forum: Personal Consumer Issues
Topic: Car Questions
Replies: 15
Views: 1514

Re: Car Questions

I've had cars where when I pulled into the gas station I was filling the oil and checking the gas. :happy
by user5027
Sun Jul 19, 2015 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Liquidating [funds in UTMA account]
Replies: 15
Views: 1211

Re: Liquidating

Depends on your plans for the investments, present and future tax situations and the short term and long term gains and losses.
by user5027
Sun Jul 19, 2015 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: ML 401k, BoA employee, roll to Vanguard??
Replies: 7
Views: 468

Re: ML 401k, BoA employee, roll to Vanguard??

With the insider trading scrutiny that the SEC imposes on firms like BoA many of the firms require their employees and spouses not have any outside trading accounts.
by user5027
Thu Jul 09, 2015 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Silly question...better to invest now in intl stocks?
Replies: 24
Views: 3171

Re: Silly question...better to invest now in intl stocks?

So far today, yesterday would have been the better day. :happy
by user5027
Fri Jul 03, 2015 10:04 am
Forum: Investing - Help with Personal Investments
Topic: How often should I check my accounts online?
Replies: 20
Views: 2370

Re: How often should I check my accounts online?

I log into each of our accounts at least once per month when I update a spreadsheet with the balances at month end.
by user5027
Fri Jul 03, 2015 9:48 am
Forum: Investing - Help with Personal Investments
Topic: 55 and a lost regarding investing!
Replies: 6
Views: 824

Re: 55 and a lost regarding investing!

Three things...

1) Asset allocation is a personal decision.

2) Three fund portfolio. Getting there from where you are, if you have gains in taxable, may take time.

3) Reply to the thread with the poster looking for stock picks. :oops:
by user5027
Fri Jul 03, 2015 9:32 am
Forum: Personal Finance (Not Investing)
Topic: financial adviser told me not to invest too much in 401k
Replies: 92
Views: 10181

Re: financial adviser told me not to invest too much in 401k

If i retire before 59 1/2 and withdrawl from my 401k, i would be subject to tax penalty right? Thanks for the response! Before 59 1/2 withdrawals are available, without penalty, in several instances, including a so-called 72 (t) where you take equal withdrawals over time: http://www.bankrate.com/fi...
by user5027
Fri Jul 03, 2015 8:30 am
Forum: Personal Finance (Not Investing)
Topic: financial adviser told me not to invest too much in 401k
Replies: 92
Views: 10181

Re: financial adviser told me not to invest too much in 401k

If i retire before 59 1/2 and withdrawl from my 401k, i would be subject to tax penalty right? Thanks for the response! Before 59 1/2 withdrawals are available, without penalty, in several instances, including a so-called 72 (t) where you take equal withdrawals over time: http://www.bankrate.com/fi...
by user5027
Fri Jul 03, 2015 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Should I take SS at 62 or 70?
Replies: 12
Views: 2147

Re: Should I take SS at 62 or 70?

I'm thinking about tax implications: if I drawdown 401K, my RMD will be less when I reach 70 and I may save on taxes in the long run. Thanks! You may want to consider withdrawing more than your living expenses each year as long as the extra withdrawals keep you in the same tax bracket. Save the par...
by user5027
Thu Jul 02, 2015 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Amex 6.99% interest offer
Replies: 20
Views: 3019

Re: Amex 6.99% interest offer

tbradnc wrote:Did anyone else get this offer?


Yes, we got the email today.
by user5027
Thu Jul 02, 2015 3:09 pm
Forum: Investing - Theory, News & General
Topic: Which Funds to Take RMD From
Replies: 17
Views: 1711

Re: Which Funds to Take RMD From

It has been awhile since I used it but Vanguard has a "Portfolio Tester" where you can enter a hypothetical change to each of your holdings and analyze what the change to the asset allocation would be. I go to "Portfolio Watch" and there is a link on the lower right.
by user5027
Thu Jul 02, 2015 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance/Social Security Widow Benefit
Replies: 6
Views: 959

Re: Life insurance/Social Security Widow Benefit

I did not when I bought life insurance 21 years ago. The concern was would social security exist and in what amount.
by user5027
Sun Jun 28, 2015 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Drawing from Retirement Savings to Delay SS
Replies: 43
Views: 4570

Re: Drawing from Retirement Savings to Delay SS

10.62%
No.
Hopefully not.
No.
by user5027
Fri Jun 26, 2015 9:01 pm
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5981

Re: Squirrel nemesis

Who is going to pick up the acorns when the squirrel is gone? :confused
by user5027
Fri Jun 26, 2015 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Do I need "own occupation" on LTDI?
Replies: 13
Views: 1312

Re: Do I need "own occupation" on LTDI?

I remember the morbid explanation on the different definitions of disability when I was shopping for LTDI. "Show me a man in an iron lung and I'll show you someone that can lick stamps." For the less experienced, this was before the USPS went with self adhesive stamps.
by user5027
Thu Jun 25, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Buying a home
Replies: 7
Views: 699

Re: Buying a home

Hi! This is my first time posting so please bare with me. Background: 32, married with 8 month old baby, living in an apartment that has 10 months remaining on the contract @ $1400/month. I will begin a career as a teacher on a salary of $50k/yr this upcoming school year. Our goal is to move to a S...
by user5027
Wed Jun 24, 2015 2:47 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 25572

Re: What was the 2008 crash like in real time?

I got nervous opening the statements from Vanguard. I did not bother with online access then. The joke at work was the 401k was now a 201k.
by user5027
Wed Jun 24, 2015 2:32 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 28722

Re: What ratio are you stocks/bonds and how old are you?

Ages: 57 & 61
70% equities
25% bonds
5% cash
by user5027
Mon Jun 22, 2015 8:05 pm
Forum: Personal Consumer Issues
Topic: Will I regret using Composite Decking instead of PT Decking
Replies: 23
Views: 2317

Re: Will I regret using Composite Decking instead of PT Decking

my deck has 122 4 sided spindles. i can not emphasize what a pita it is to stain those spindles... . I just reapplied semi transparent stain to my large deck last week. I used a sprayer and it went really fast. It only took 4 to 5 hours for 12 x 21 foot deck, including time to cover side of house a...
by user5027
Sat Jun 20, 2015 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive Wedding For Child Gift Tax?
Replies: 7
Views: 996

Re: Expensive Wedding For Child Gift Tax?

In addition to looking at who signs and pays for any agreements with the venue, caterer, officiant, flowers, photographer/videographer, music, etc., you may also consider how the invitation is worded (ie. who is inviting the attendees).
by user5027
Fri Jun 19, 2015 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Is Private Banking ever useful for simple Bogleheads
Replies: 35
Views: 4453

Re: Is Private Banking ever useful for simple Bogleheads

This thread made me think of Mr. Drysdale.
by user5027
Fri Jun 19, 2015 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Question about Roth IRA limits
Replies: 5
Views: 623

Re: Question about Roth IRA limits

You need to review Worksheet 2-1 in IRS Publication 590-A. This is 2014 and 2015 may change.

http://www.irs.gov/uac/About-Publication-590
by user5027
Wed Jun 17, 2015 6:15 am
Forum: Investing - Help with Personal Investments
Topic: what are my options?
Replies: 2
Views: 405

Re: what are my options?

notreallysure wrote:Am i correct that if I roll the profit sharing plan over to a tIRA i am forever foreclosed from opening a Roth IRA?


No.
by user5027
Wed Jun 10, 2015 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: How to transfer a Roth
Replies: 11
Views: 1047

Re: How to transfer a Roth

The rep from vanguard said it really didn't matter either way. Relative to what? To Vanguard? I can see it may not matter to them. Last fall I rolled my 401k over to my Vanguard IRA. The 401k custodian had to sell all the investments and write a check to "Vanguard FBO me" and courier the ...
by user5027
Wed Jun 10, 2015 8:20 am
Forum: Investing - Help with Personal Investments
Topic: How to transfer a Roth
Replies: 11
Views: 1047

Re: How to transfer a Roth

In-kind will keep you invested during the transfer.
by user5027
Tue Jun 02, 2015 12:49 pm
Forum: Personal Consumer Issues
Topic: Finding a pediatrician - new parents
Replies: 21
Views: 1167

Re: Finding a pediatrician - new parents

We were living in a new area when my wife became ill (kidney infection) while I was out of the country for work. It fell to my father-in-law to find her a doctor. He walked into the local pharmacy and asked the pharmacist. I always thought that was a smart move.
by user5027
Sat May 23, 2015 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Future Finances? Quicken etc.
Replies: 8
Views: 812

Re: Calculating Future Finances? Quicken etc.

I've done this for years. I do not use quicken. I keep our check register in excel. Every year I copy the prior years transactions and add 365 days to the date field and highlight the next year in yellow. I delete the outliers. It provides an excellent projection where we will be at any point during...
by user5027
Fri May 22, 2015 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Challenges Opening a Vanguard Account
Replies: 9
Views: 698

Re: Challenges Opening a Vanguard Account

I understand your frustration but as a Vanguard customer I am happy to hear they are as careful as you have described.
by user5027
Thu May 21, 2015 9:58 am
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 887

Re: Parks to visit between TX and PA?

If there is an interest in trains...

Horseshoe Curve in Altoona, PA is close to State College and not too far out of the way for Gettysburg.
by user5027
Fri May 08, 2015 5:04 pm
Forum: Personal Consumer Issues
Topic: What to use to clean car
Replies: 45
Views: 4359

Re: What to use to clean car

I used to just vacuum the inside with a shopvac, but I discovered that the blower works wonders. I remove everything loose in the car. Of course, vacuum first, then open all the doors and blow everything out the other door. Really gets out all the crumbs from the cracks and crevices without the bot...
by user5027
Tue Apr 28, 2015 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Trust fund
Replies: 17
Views: 1006

Re: Trust fund

Thank you all. From what you are saying: 1. My information is not correct on how my retirement savings will be taxed after I pass. I was led to believe that there is a 40% tax on estate transfers including retirement accounts. 2. The minimum which I need for a Vanguard trust fund is much less and I...
by user5027
Tue Apr 28, 2015 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Rookie question about investing in traditional IRA
Replies: 3
Views: 328

Re: Rookie question about investing in traditional IRA

Aloha everyone, I am 28 years old and am now taking a plunge into my financial journey to independence. Last night I set up a Vanguard account to transfer money into a Vanguard Life Strategy Growth Fund for a 401k. The question I have is, I thought the maximum contribution to a 401k was `$17500 but...
by user5027
Tue Apr 28, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: Getting the stink out of running clothes
Replies: 34
Views: 2592

Re: Getting the stink out of running clothes

TomatoTomahto wrote: Nothing, but nothing, smells worse than hockey gear.


+1

We found the trick with hockey gear is to not leave it in the bag after getting home. Take it out and let it air dry, especially outside on a nice day.

The problem may be worse if you toss your running clothes in the hamper.
by user5027
Mon Apr 27, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Quietest garage door and opener
Replies: 19
Views: 2355

Re: Quietest garage door and opener

My current garage door opener is Marantec, and it is very quiet. When it was installed, my daughters noted they could have sneaked in late if we had the Maratec opener when they were teenagers. They stood no chance of sneaking in late with the old opener. :happy Broken Man 1999 Good point. It is li...
by user5027
Mon Apr 27, 2015 6:52 am
Forum: Personal Consumer Issues
Topic: Quietest garage door and opener
Replies: 19
Views: 2355

Re: Quietest garage door and opener

I think a single panel door would be quieter than a sectional garage door.
by user5027
Sun Apr 26, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: Roasting green coffee beans at home
Replies: 10
Views: 1094

Re: Roasting green coffee beans at home

[quote="KlangFool"Please noted that unless you have a big house and out in the rural area, your house may smelled of burn popcorn all the times.[/quote]

+1

I use to roast green beans and always did it outside.
by user5027
Sat Apr 25, 2015 11:06 am
Forum: Personal Consumer Issues
Topic: taking break from computer use - to avoid back pain
Replies: 17
Views: 837

Re: taking break from computer use - to avoid back pain

As a remedy, I would like to remind myself every 40 minutes to get out of the seat during work hours and take a walk for few minutes. I thought there may be an online/phone app already for this purpose and would like to find what it is. ! My android phone came with an "Alarm/Clock" app. I...
by user5027
Thu Apr 23, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 40
Views: 3727

Re: Drive a local car, rent for trips ?

Our family (4) and my wife's sister's family (4) all rode up together from SE PA in a 15 passenger van without the rear seat for luggage space. The rental places will take out the seat for you. . 15 passenger vans are extremely hazardous vehicles http://www.nhtsa.gov/About+NHTSA/Press+Releases/Cons...
by user5027
Thu Apr 23, 2015 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: How should anticipated inheritance affect asset allocation?
Replies: 23
Views: 2022

Re: How should anticipated inheritance affect asset allocati

I would not consider it. Things can change dramatically.

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