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Re: Start all over at 63 years of age?

... A sound approach. But please explain your rationale for DCA by Nov 2016 Just a hopeful WAG targeted to about 2 years hence. See Ferri's article for more action steps/rationale. 4 Rules for Investing a Lump Sum: http://www.rickferri.com/blog/investments/4-rules-for-investing-a-lump-sum/ Got it. ...
by zed
Sat Aug 09, 2014 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Start all over at 63 years of age?
Replies: 23
Views: 4142

Re: Start all over at 63 years of age?

Bogleheads Investment Philosophy: http://www.bogleheads.org/wiki/Bogleheads_Investment_Philosophy Cash. Think I'd be tempted to keep as cash (initially) 7 years of living expenses (63-70) and plan to take SS at 70. And for every year I was still employed, convert that year's cash to investment. Bon...
by zed
Sat Aug 09, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Start all over at 63 years of age?
Replies: 23
Views: 4142

Re: Home Appraisal Comps

When I'm looking in our MLS system it shows the sales price and the down payment. Since the State has certain title transfer taxes the selling price has to be accurate. The only thing that gets hidden is the Sellers contribution to buyers closing costs. I'll often ask for the seller to contribute 2...
by zed
Sun Jun 29, 2014 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Appraisal Comps
Replies: 12
Views: 845

Re: It is time to retire when you .......

... finally use up that box of employer-supplied staples
by zed
Mon Jun 23, 2014 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9805

Re: What smartphone plan do you use?- off contract

I have been evaluating Republic Wireless for the last few weeks. Http://www.mrmoneymustache.com/2014/05/13/moto-x-vs-moto-g/ I'd been resistant to going with a smartphone until I got the moto g. Encountered only one quirky problem with receiving calls while roaming but am generally satisfied with th...
by zed
Sat Jun 14, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 5569

Re: How to pay ZERO taxes in retirement with 6-figure expens

Sharing http://www.kitces.com/blog/splitting-a-roth-conversion-into-multiple-accounts-to-isolate-investments-for-strategic-recharacterization/?utm_source=Nerd%E2%80%99s+Eye+View+%7C+Kitces.com&utm_medium=email&utm_campaign=afcfde9dd6-NEV_MAILCHIMP_LIST&utm_term=0_4c81298299-afcfde9dd6-57...
by zed
Fri Jun 13, 2014 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 154
Views: 42873

Re: Mortgages/Black Swans/Larry Portfolio/Antifragility

Seems to me that the fragility comes in at a) owning a fractional share of real estate (your equity) and b) being on the hook for the mortgage (your liability.) Paying cash for the house is off the table so I think your real concern is not being able to make the mortgage payment should you become un...
by zed
Fri Jun 13, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mortgages/Black Swans/Larry Portfolio/Antifragility
Replies: 27
Views: 1806

Re: Mortgages/Black Swans/Larry Portfolio/Antifragility

Your logic is based on the premise that there is a strong and consistent correlation between residential real estate valuations and equity valuations. Is there?

full disclosure: I'm a happy renter but would buy again if the deal penciled out
by zed
Fri Jun 13, 2014 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Mortgages/Black Swans/Larry Portfolio/Antifragility
Replies: 27
Views: 1806

Re: Mistake: extra dirt

Maybe they just want to forget about it. One time I had stopped in at a big-box home improvement center to purchase several sheets of Hardiboard to use as an underlayment for a tile floor. I paid for 30 sheets and they used a forklift to load the banded bundle onto my truck. I got home to find that ...
by zed
Sat Jun 07, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Mistake: extra dirt
Replies: 24
Views: 2196

Re: Is schwab good?

I don't have an account with them anymore but at one time I held a hodgepodge of individual stocks at Schwab. Then one day my Schwab broker mentioned in passing Vanguard index funds. The rest (including my holdings at Schwab) is history.
by zed
Tue Jun 03, 2014 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Is schwab good?
Replies: 13
Views: 1082

Re: New Google Moto-E smartphone for $129

Slightly off topic
Republic Wireless becomes 50% More Frugal with the Moto G: A Review

Http://www.mrmoneymustache.com/2014/05/ ... vs-moto-g/
by zed
Sat May 17, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: New Google Moto-E smartphone for $129
Replies: 42
Views: 3804

Re: re: COBRA

davebarnes wrote:Look at a regular, on the market, health insurance policy.
A high deductible, HSA plan may be a lot less expensive than COBRA.


Good ideas. Also with little income you could be eligible for substantial ACA subsidies ( healthcare.gov )
by zed
Thu May 08, 2014 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Why am i stressed after being laid off? (3yr expenses saved)
Replies: 15
Views: 2577

Re: Why am i stressed after being laid off? (3yr expenses sa

Yes, I think it is normal to be stressed after a layoff. Fear of the future. Fear of the unknown. I've been there. Laid off twice within 5 years. I remember losing my youthful optimism during those times. It never really came back. Remember, you can't prevent the attack....only your response to it....
by zed
Thu May 08, 2014 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Why am i stressed after being laid off? (3yr expenses saved)
Replies: 15
Views: 2577

Re: Delay Social Security to age 70 and Spend more money at

Perhaps I can throw another stick on the fire. I have a term life insurance policy that ends at age 72 when DW would be 70. I bought it to protect DW because I was taking a "my life" only option on my DB pension. However it is also sized to roughly replace the retirement funds that would ...
by zed
Sun May 04, 2014 8:02 am
 
Forum: Investing - Theory, News & General
Topic: Delay Social Security to age 70 and Spend more money at 62
Replies: 143
Views: 13402

Re: Tell Me I'm Stupid To Consider Quitting My Job and Movin

Lots of good thoughs being shared. Regarding Montana specifically, - jobs, unless its oil-related, there aren't any - housing, for fly-over country, housing is relatively expensive Peruse this forum http://www.city-data.com/forum/bozeman/ full disclosure: "Retired" to western Montana three...
by zed
Fri Apr 25, 2014 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 123
Views: 27956

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: 2507

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: 41
Views: 7180

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: 41
Views: 7180

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: 3121

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: 264
Views: 33353

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: 2284

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: 307

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: 1239

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: 1557

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: 1352

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: 1352

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: 1352

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: 2944

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: 4357

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: 4357

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: 4357

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: 4357

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: 3284

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: 1240

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: 4180

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: 76
Views: 12336

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: 4939

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: 1647

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: 3591

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: 7476

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: 11812

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: 2437

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: 2901

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: 1683

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: 2904

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: 2467

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: 2467

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: 435

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: 435

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: 1253
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