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Re: Oh No! My Tilt has untilted!

...Having taken stands on such things as value and small cap tilting, dividend investing, momentum investing, individual stocks, etc., I have pointed out the virtues and pitfalls of these approaches. It probably makes me sound wishy-washy. That is one reason I chose the Charlie Brown avatar. And I ...
by zed
Sat Apr 19, 2014 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Oh No! My Tilt has untilted!
Replies: 15
Views: 2286

Re: Bernstein retirement plan

Bernstein himself believes your retirement has a 20% chance of being disrupted by something you can't control (you know Nuclear War, the dissolution of the US, etc) so there is no point choosing a withdrawal plan with a higher probability of success than that. (http://www.efficientfrontier.com/ef/1...
by zed
Sat Apr 19, 2014 7:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Bernstein retirement plan
Replies: 38
Views: 5025

Re: Bernstein retirement plan

I don't manage 2 separate portfolios but always do the calculation to make sure I have enough "safe" assets to fund 20-25 years of residual expenses. I am fortunate to have a decent "excess" over those "safe" assets. I don't know what I would do if my total assets were...
by zed
Fri Apr 18, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Bernstein retirement plan
Replies: 38
Views: 5025

Re: gold , silver, copper and uranium only

Holding all four in large quantities makes one a target for UN sanctions :oops:
by zed
Mon Apr 14, 2014 7:56 am
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 2243

Re: William Bernstein-When you've won the game, why keep pla

YDNAL wrote:
bengal22 wrote:I think the whole concept of "won the game" is nonsensical. Why would you not want to continue to grow your portfolio at a risk that is acceptable to you. Taking one's money off the table is a risk in itself. I for one will stay in the game until I breathe my last.
Parker wrote:If you felt comfortable with stock and real estate fluctuations result in higher overall returns in your accumulation phase why would that change in your distribution phase if you have over 5 years of living expenses in bonds/cash?

Have you read THIS ?


+1
Landy, thanks for sharing
by zed
Wed Mar 12, 2014 8:51 am
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 25052

Re: New York TImes/WSJ

Barefootgirl wrote:Hi, thanks - can I ask how you view for free? after a few articles, they block me until I pay.

thanks BFG


On some sites its a matter of disabling java script
by zed
Sun Mar 09, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: New York TImes/WSJ [paper vs. online subscriptions]
Replies: 40
Views: 2124

Re: Vanguard App on Kindle Fire

FWIW I'm running the Vandguard app just fine on a Samsung tablet. Perhaps your issue is unique to Amazons port to android ie kindle.
by zed
Thu Mar 06, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard App on Kindle Fire
Replies: 2
Views: 297

Re: Tips for making iPhone apps

FWIW, I'm currently enjoying this course: Creative, Serious and Playful Science of Android Apps This course introduces the fundamental computer science principles that power today’s apps. You will also learn to create your own Android app using Java and standard software development tools. ... This ...
by zed
Wed Feb 12, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Tips for making iPhone apps
Replies: 13
Views: 1175

Re: Retiring...where to draw from first

All excellent advice. Especially Peter Foley's suggestion of having a written plan going a few years out -- not just for your benefit but also for your spouse. Another dimension to consider is the PF exercise but running the number as if one or the other spouse predeceases the other. Going from Marr...
by zed
Tue Feb 11, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiring...where to draw from first
Replies: 7
Views: 1510

Re: Wealthfront Tax Loss Harvesting White Paper

neurosphere ,

You beat me to the punch! :beer
by zed
Fri Feb 07, 2014 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront's tax lost harvesting claims not quite accurate
Replies: 10
Views: 975

Re: Wealthfront Tax Loss Harvesting White Paper

livesoft, Perhaps my last edit and your first post crossed in the ether. I'm not concerned with the uber-wealthy either. I am however revisited my TLH strategy in light of the fact that since I'm now semi-retired and thus have a lot of tax-free LTCG headroom in my 15% tax bracket, TGH makes more sen...
by zed
Fri Feb 07, 2014 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront's tax lost harvesting claims not quite accurate
Replies: 10
Views: 975

Wealthfront Tax Loss Harvesting White Paper

[Thread merged into here, see below. --admin LadyGeek] Michael Kitces hits one out of the park in his blog post on "how not to calculate tax alpha". The benefits of reducing current tax liabilities through tax loss harvesting are widely acknowledged - so much, that the IRS developed the 3...
by zed
Fri Feb 07, 2014 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront's tax lost harvesting claims not quite accurate
Replies: 10
Views: 975

Re: Rebalancing on Friday

Bustoff wrote:What happened to Umfundi ? He's gone. :(


Evidentally. I sent him a "Wassup?" PM a while back . Never got a reply. :(
by zed
Fri Feb 07, 2014 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing on Friday
Replies: 37
Views: 2887

Re: Roth Conversion "Horse Race"

rkhusky wrote:I wonder what the ratio is of tax deferred savings vs. Roth?


Good question. For me it's half-and-half taxable/tax-advantaged with only a "smidgen" (my new favorite word) of Roth. I'd like to get at least half of my tax-advantaged converted to Roth over time.
by zed
Tue Feb 04, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: Roth Conversion "Horse Race"
Replies: 41
Views: 3917

Re: Roth Conversion "Horse Race"

Wow what a great collection of ideas. Thanks to everyone who has contributed. Let's see if I can compile and recap the main points of the Roth conversion/recharacterization strategies. There's the “Let's keep it simple” camp who might choose one of these strategies: a) Pick one and only one asset cl...
by zed
Fri Jan 31, 2014 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Roth Conversion "Horse Race"
Replies: 41
Views: 3917

Re: Roth Conversion "Horse Race"

Is it a requirement of the roth conversion to convert into an empty roth account or is this being done to make the recharacterization cleaner/easier?

Also at what point and how does one "sweep" the funds out of the roth account assuming no recharacterization was needed?
by zed
Thu Jan 30, 2014 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: Roth Conversion "Horse Race"
Replies: 41
Views: 3917

Re: Roth Conversion "Horse Race"

https://www.fidelity.com/viewpoints/ret ... conversion
Very interesting strategy. This Fidelity link has some useful examples
by zed
Tue Jan 28, 2014 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: Roth Conversion "Horse Race"
Replies: 41
Views: 3917

Re: Gopher Madness

Vested1, You should have brought this to me sooner. Thats okay dont worry its not too late. This is important so get a pencil and write this down. First off stock the fridge with plenty of beer. Next load up on chips, dip, chicken wings and those pizza pocket things that you heat up in the micowave....
by zed
Sun Jan 26, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Gopher Madness
Replies: 71
Views: 3069

Re: Should one in Retirement Rebalance

Landy,

How do you manage to retrieve those gems so quickly? Nevermind. Just keep doing what you're doing. Oh, and thanks :happy
by zed
Tue Jan 21, 2014 6:03 pm
 
Forum: Investing - Theory, News & General
Topic: Should one in Retirement Rebalance
Replies: 17
Views: 1188

Re: Does it really make sense to max out tax-deferred?

I'm 41, and plan on retiring (if everything falls into place) at 58. My wife will have a solid pension, which also factors into my decision to not max out tax-advantaged space. If you retire at 58, you can have 12 years of low income before you start taking Social Security and RMDs at the age of 70...
by zed
Fri Jan 17, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: Does it really make sense to max out tax-deferred?
Replies: 40
Views: 4076

Re: Swedroe's New Book

Looking forward to Larry's new book too
by zed
Thu Jan 16, 2014 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: Swedroe's New Book
Replies: 8
Views: 1905

Re: Larry Kudlow bad advice on bonds

bhsince87 wrote:I'll only own a bond if somebody pays me to own it! :D


+1
by zed
Thu Jan 16, 2014 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: Larry Kudlow bad advice on bonds
Replies: 52
Views: 4018

Re: Part 2, the super investors of Graham and Doddsville

Spolier alert: Registration required to read the article.

<heavy sigh>
by zed
Thu Jan 16, 2014 8:54 am
 
Forum: Investing - Theory, News & General
Topic: Part 2, the super investors of Graham and Doddsville
Replies: 13
Views: 1557

Re: How do you filter your water?

I always boil my water before drinking ... during the boil adding malted barley, hops and when it cools, yeast. Yummo
by zed
Thu Jan 09, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: How do you filter your water?
Replies: 77
Views: 3135

Re: How many folks have a dog?

Many years ago DW and I adopted rescue English Bull Terriers (think Spuds MacKenzie.)

Would never do it again.
Why? It tears your heart out when they pass.
Dumb dogs.
Oh. Just do it.

full disclosure: avatar is pic of bubba making happy with a sofa pillow. Dumb dog
by zed
Fri Dec 27, 2013 10:42 pm
 
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 6451

Re: Retiring in a "no state income tax state"?

I'm surprised that another option has not even been discussed: Establish your residency in a very low tax state and live 1/2 the time there and 1/2 the time in high tax state. One option I'm considering is to establish residency in South Dakota (it is very easy to do so ... In fact many retirees wh...
by zed
Fri Dec 27, 2013 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring in a "no state income tax state"?
Replies: 101
Views: 11628

Re: Have you noticed Amazon often does not credit your refun

I'd have to say that on the whole my experiences with their customer service have been overwhelmingly positive. The only complaint I have is that they have some problems with kindle for pc and they seem to have no interest in fixing them. If I were the CEO, I'd be embarrassed to have a product in t...
by zed
Tue Dec 24, 2013 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you noticed Amazon often does not credit your refunds?
Replies: 26
Views: 2206

Re: NC Introduces "Flat Tax"

Presently live in Florida. This would tax my Roth income, pension income SS income, RMD withdrawals when they start.... all as opposed to Florida. While not running me off from the possibilities of a summer residence it certainly would require me to count residence days and limit time spent to unde...
by zed
Wed Dec 18, 2013 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: NC Introduces "Flat Tax"
Replies: 26
Views: 2841

Re: Marginal Tax Rates

... I thought the marginal rate was the calculation where I put my total tax paid (T) and divide it by my net income. Is there a name for this calculation? It's called the average tax rate. The marginal tax rate is very important because you can use it as one factor in decision making. Here's a lin...
by zed
Sun Dec 15, 2013 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rates
Replies: 21
Views: 1600

Re: "MAN IN THE ARENA" -- A Gem

I thought you meant the REAL Man in the Arena... It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and bl...
by zed
Wed Dec 11, 2013 10:01 am
 
Forum: Investing - Theory, News & General
Topic: "MAN IN THE ARENA" -- A Gem
Replies: 9
Views: 2552

Re: To Roth or not to Roth

If you're crunching numbers you might want to try my model. It does the yearly tax calculations including impact on SS benefits. I'm currently updating it with 2014 tax rates and some other improvements which I will release the first week of January, but in the meantime you can use the current vers...
by zed
Sat Dec 07, 2013 12:38 am
 
Forum: Investing - Theory, News & General
Topic: To Roth or not to Roth
Replies: 28
Views: 2395

Re: To Roth or not to Roth

tad, I'm with you in that I'm wrestling with the question too. Probably the biggest considerations for me are: o married, retirement tax bracket if one of us survives the other and starts filing as single o might retire in a state with higher state income taxes One of the tools that I'm finding help...
by zed
Fri Dec 06, 2013 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: To Roth or not to Roth
Replies: 28
Views: 2395

Re: A practical exercise in rebalancing taxable/tax-advantag

Taylor - Thank you for demonstrating the benefit in a "taxable-first" withdrawal strategy.

livesoft - Thank you for demonstrating the real life complexities of not only managing a portfolio but also the dimension of tax consequences.
"One" can never be too careful. ;)
by zed
Mon Dec 02, 2013 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: A practical exercise in rebalancing taxable/tax-advantaged
Replies: 3
Views: 406

A practical exercise in rebalancing taxable/tax-advantaged

There have been several threads recently having to do with rebalancing one's portfolio for the purpose of returning the portfolio to it's target asset allocation. A diligent boglehead will also make an effort to correctly place an asset class to maximize tax efficiency. There are great articles in t...
by zed
Mon Dec 02, 2013 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: A practical exercise in rebalancing taxable/tax-advantaged
Replies: 3
Views: 406

Re: Tax Calculator-Really good online site

I'm getting results that are not even close to what I'm getting from TaxCaster

IHMO, use https://turbotax.intuit.com/tax-tools/c ... taxcaster/
by zed
Wed Nov 27, 2013 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Calculator-Really good online site
Replies: 13
Views: 1232

Re: Best HSA Strategy

livesoft wrote:Spend it on health care expenses.


+1
Like for example reimbursing yourself for medicare premiums
by zed
Sun Nov 10, 2013 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Best HSA Strategy
Replies: 6
Views: 1311

Re: Missing the Boat on Roths

As part of the "fiscal cliff" tax compromise legislation passed on January 1, Congress reinstated taxpayers' ability to take required annual distributions from their IRAs and contribute those withdrawals directly to charitable organizations, treating them as tax-free distributions. It's a...
by zed
Fri Nov 08, 2013 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Missing the Boat on Roths
Replies: 9
Views: 2464

Re: 0% Cap Gains and 15% Tax Bracket

My understanding is that it would normally make sense, but with all the available subsidies for health care and other things, it may not make sense if the added income and thus increased AGI will cause you to lose other benefits. Sharing some thoughts on that very subject http://www.early-retiremen...
by zed
Thu Nov 07, 2013 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: 0% Cap Gains and 15% Tax Bracket
Replies: 23
Views: 2482

Re: The bank took my $50 counterfeit money and gave me nothi

I tried to get back the counterfeit $50, planning to exchange it at a grocery or retail store. I'm glad the bank didn't give you the bill back. Hypothetical question, what would you advice someone who just realized that all their life savings were counterfeit notes? Reality TV. "BUCK Dynasty&q...
by zed
Fri Oct 18, 2013 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: The bank took my $50 counterfeit money and gave me nothing
Replies: 90
Views: 7880

Re: The bank took my $50 counterfeit money and gave me nothi

[OT comment (and followups) deleted by admin alex]
by zed
Fri Oct 18, 2013 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: The bank took my $50 counterfeit money and gave me nothing
Replies: 90
Views: 7880

Re: How Does QE Cause Equities to Rise ?

One of the major things that cause equities to rise is expectations about the economy. The Fed has a lot of power over the economy and QE can be thought as a signal of the Fed's intentions regarding the economy. The exact mechanics are a bit beside the point. Thanks Richard, but I'm not looking for...
by zed
Fri Sep 20, 2013 8:50 am
 
Forum: Investing - Theory, News & General
Topic: How Does QE Cause Equities to Rise ?
Replies: 60
Views: 3198

Re: Early retirees - did you pay off your house?

While still a wage-slave paid off the house at 47. Sold it at 49 (2009) rolling the proceeds into a 50/50 AA at what fortunately was the bottom of the market. Have since been a happy renter. Am retiring in October of 2013 at 53. Might buy again or not, cash or mortgage, I dont know. Buying for cash ...
by zed
Wed Sep 11, 2013 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Early retirees - did you pay off your house?
Replies: 27
Views: 2279

Re: quick tax efficiency question

I think it all doesn't matter, since other things that you cannot control matter much more. When one has a taxable account is when it starts to matter. Otherwise, avoid equities that go down in a Roth and only put equities that go up in a Roth. If you cannot do that, then it is worthwhile to have s...
by zed
Thu Sep 05, 2013 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: quick tax efficiency question
Replies: 5
Views: 543

Re: "Man On Wire"...what a great movie!

Just viewed Man On Wire on Netflix. An hour and a half of my life I'll never get back.

Synopsis: French dipstick seeks his fifteen minutes of fame walking tighrope between WTC towers.
Spoiler: He lives to make a documentory about it.
by zed
Sun Aug 04, 2013 9:09 pm
 
Forum: Personal Consumer Issues
Topic: "Man On Wire"...what a great movie!
Replies: 27
Views: 4178

Re: 72% 401K Contribution - My Wife Worries People Will Wond

Is there an employer match? If so then there will be a cap on how much employer will kick in per paycheck. Maxing your contribution per paycheck might leave employer match dollars on the table and/or you might reach the 17.5 cap too soon with the same result. Is DW 50+? If so add another 6k to the c...
by zed
Fri Jul 26, 2013 9:32 am
 
Forum: Investing - Theory, News & General
Topic: 72% 401K Contribution - My Wife Worries People Will Wonder!
Replies: 53
Views: 5351

Re: Leaving Wells Fargo Brokerage

Odd that livesoft is silent on the subject
by zed
Mon Jul 22, 2013 8:51 pm
 
Forum: Investing - Theory, News & General
Topic: Leaving Wells Fargo Brokerage
Replies: 53
Views: 3867

Re: Income thresholds in Early Retirement

This might be helpful in your modeling http://I-orp.com/coverORP.html
by zed
Sun Jun 30, 2013 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Income thresholds in Early Retirement
Replies: 22
Views: 4095

Re: attention all geeks drones are very accesable now

Cool. Where did you get the kit?

zed
by zed
Sun Jun 16, 2013 11:08 am
 
Forum: Personal Consumer Issues
Topic: attention all geeks drones are very accesable now
Replies: 4
Views: 586

Re: Full Time RVer - Mail and Internet

Hey, congrats! We plan to do the same thing (sell everything and travel the usa in a custom built RV...building it right now in our garage). Have you thought about healthcare? I am trying to figure out the balance between state taxes, vehicle registration requirements, and state heatlh care exhange...
by zed
Mon Jun 03, 2013 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Full Time RVer - Mail and Internet
Replies: 53
Views: 4541
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