Bogleheads

P. S.

W. Douglas Parker, Chairman and Chief Executive Officer
US Airways Group, Inc.
111 West Rio Salado Parkway,
Tempe, Arizona 85281

Thanks, it's a great suggestion. A "real" l ...

I gather you don't get to a 5% holding until you have 100% stock, 50% of which is international!

I guess one could draw the line (of too small a holding) at 5% of
equity allocation. Rounding ...

There is no problem in removing funds less than your basis in the Roth IRA. There is no problem in converting IRA funds to a Roth IRA. There is nothing remotely sneaky here. The question is why bot ...

Thanks for the heads up, seems like more and more companies do not like to live up to an agreement. They make you spend hours of your time to get what was offered. I usually pass on most promotions be ...

It's clear to me the OP has a legitimate beef, but it should be with Barclays, not Master Card or US Airways.

Yeah, thanks to the SP (second poster) for pointing that out.
I am talking to the nu ...

Why do you blame MasterCard rather then the bank that issues the US Airways MasterCard (i.e. Barclays)?

Good point.

Why didn't you apply online and print out the T&C's, which greatly aids ...

If you had occasion to be in a US Airways area of a major
airport in the last 6 months or so, you no doubt saw many
kiosks where folks were hawking a MasterCard that had a
number of airline-related ...

In addition, the tax rate is already known to be going up in 2011 as shown at the end of

That's a good link, thanks.

One thing that confuses me: for a conversion in 2010, one can
recognize t ...

I don't believe the Commodity ETFs make distributions; they can generate Interest income which is passed through and taxable as received (on the K-1). That of course inceases your basis at time of sal ...

So it appears to me that, even though it is a RA, selecting the Traditional still would be a better choice than the Bond Fund. He would be getting 3.65% rather than the 3% of a SRA.

If he wishe ...

This one just occurred to me, I don't need it, and it may be
obvious to most people here, but here goes ...

Let's say you'd like to withdraw some money from your IRA, but
you're too young to do s ...

You might want to look at this thread:

http://www.bogleheads.org/forum/viewtopic.php?t=45300

The conclusion I came away with is that it's dumb as rocks
to have the taxes withheld from the conve ...

Here's a recent thread I started on a similar topic.

So if I were you, I'd keep your taxable stuff in funds at Vanguard, and
your IRA in Fidelity (or some other) brokerage.

She was thinking th ...

Here's a recent thread I started on a similar topic.

http://www.bogleheads.org/forum/viewtopic.php?t=44591

It left me
un-reassured about having virtually all my money at Schwab;
but I realize ...

Sort of a tangential issue, but exactly what ratio are they converting
mutual fund shares to ETF shares at ? In other words, VTSAX (Admiral
share of TSM) trades at abut 27, VTI (ETF share of TSM) ...

Sort of a tangential issue, but exactly what ratio are they converting
mutual fund shares to ETF shares at ? In other words, VTSAX (Admiral
share of TSM) trades at abut 27, VTI (ETF share of TSM) ...

Sort of a tangential issue, but exactly what ratio are they converting
mutual fund shares to ETF shares at ? In other words, VTSAX (Admiral
share of TSM) trades at abut 27, VTI (ETF share of TSM) ...

And, of course, all these discussions can occur in the presence of an attorney assisting the suspect if they only ask for it.

I always think it's funny (on TV) when the cops say "why do you ...

Not to mention those individuals (e.g. me) who did considerable tax-loss
harvesting recently. It's not clear to me what portion of the distributions
from SCV are reported as CGDs, but those wou ...

If, like me, you have some distrust of major financial institutions
and were not reassured by this thread, you might consider having
both.

http://www.bogleheads.org/forum/viewtopic.php?t=44591 ...

For individuals whose first dollar of investment income is their first dollar of income, using the top marginal tax rate in many of the above analysis makes taxes more punitive than they actually are. ...

Just another point to consider on charities is http://www.givewell.net which also tries to rate charities based on effectiveness. It's an alternate point of view from Charity Navigator and I've found ...

Please remind me why I might need to recharacterize, assuming I convert near the end of the year when I know my income ?
If the value of the converted asset goes down significantly between now and Oc ...

Thank you Celia, Brian, and Alex. Some good ideas, some I'd
love more discussion on, some I appreciate but don't like ...
(I should have pointed out that my recent post isn't where I'm
literally ...

Hi, it's me again. I have implemented many of the suggestions
made in my "round two" last April. Here is where I am at now
(sorry about the formatting):

TAXABLE
Vanguard Total ...

Ok, it's done ... VPGDX -> VTSAX. I am now divested of the
Mother Ship's worst idea ever.

I realize I need to adjust the rest of my portfolio for the loss of
the bond and foreign equity hold ...

For heavens' sake, would you guys stop this pissing contest
over this penalty (or not) applied to the taxes withheld ?

It's moot. I'm either gonna not have anything withheld, or
do this busines ...

Folks, I dropped this thread for awhile, getting discouraged because
people didn't seem to get my point. I am NOT talking about different
accounts for diffferent goals. And I DO understand the reas ...

Thanks, folks. I will have nothing withheld from the conversion,
and make an estimated tax payment.

They aren't immune, but the 100% safe harbor rule may protect you.

It won't. The wh ...

Thanks, folks. I will have nothing withheld from the conversion,
and make an estimated tax payment.

I am still curious at what the Schwab rep seemed to hint at, that taxes
due from a Roth conve ...

In

Wow, ok. This looks like the way to go. I just hope Schwab reports
the 1099-R's correctly, so it doesn't look like I owe early withdrawal
penalty on the $3K (although that's still not cle ...

In

Wow, ok. This looks like the way to go. I just hope Schwab reports
the 1099-R's correctly, so it doesn't look like I owe early withdrawal
penalty on the $3K (although that's still not cle ...

Yes, I'm about convinced. I suppose if it's really true that
each day's closing price on VPGDX is in sync with the closing
price on the constituent funds, it doesn't really matter when I
make th ...

Yes, I'm under 59yo. Yet another reason not to pay tax
by withholding from conversion. Although it's hard to believe
they would apply early withdrawal penalty to money used to
pay taxes, I gues ...

You folks have just about convinced me that I made a big
mistake getting into these. I'm tempted to convert to VTSAX
(bearing in mind I need to adjust the rest of my portfolio to
keep a similar st ...

Well, no work this year for this semi-retired contractor, so I guess
it's time to think about Roth converting my IRA up to where I utilize
the 10 and 15% income-tax brackets.

I'm wondering how be ...

Although I'm not here to defend the Managed Payout Funds, and
probably wouldn't get into them (VPGDX) again, and may bail soon ...

I think a couple of the criticisms above may be red herrings.

...

Hi Rusty: Schwab like all other brokerages have additional insurance above and beyond the SIPC limits. From Schwab "Account Protection and Security Page"

What is Excess SIPC account pro ...

A lot of Bogleheads aren't big fans of International Bonds. And, IIRC, Bill Bernstein said at BH8 in Dallas that he doesn't recommend them.

What about int'l real estate stuff ? If forced to choo ...

Thanks for explaining everything, esp. DS Investor. I can't see any
downside to just opening a VBS account and transferring the ETFs
"in kind". Assuming I really think I need to worry a ...

Rusty: I don't understand your reason for being nervous. Could you elaborate? Your brokerage is probably going to charge you a transfer fee.

The upshot of this thread:

http://www.bogleheads.o ...

Getting a little nervous about having virtually all my money at
a brokerage (and thinking Vanguard funds are probably better
than ETFs if I can get Admiral shares), I want to move the majority
of m ...

Allocations in Roths always troubled me; They are tax free so one should put the highest returning asset there, however, since they are tax free they are very valuable and one should put the lowest ...

You are almost assuredly evading taxes. Perhaps it is not illegal to do so in this manner, but there is undoubtedly an "import" fee because of the high taxes Lexus pays to do business in Ca ...

The SIPC draws no distinction between mutual funds and ETFs.

http://www.finra.org/Investors/ProtectYourself/AfterYouInvest/YourRightsUnderSIPCProtection/

So more than $500K at Schwab (or any oth ...

This has been discussed before for having most of one's money in
Vanguard mutual fund accounts. But what about a brokerage,
Schwab in my instance ? It looks like SIPC is only good to $500K,
and ...

I heard a comedian -- wish I could remember who -- ask this question a couple years ago: "When was the last time you heard a car alarm and thought 'Hey, someone is stealing a car' ?"

I ...

Agree with Ray that the Traditional would be the better choice if it was an SRA. But what is confusing is that Rusty said:

if I knew what I knew now (about interest rates) I probably never would h ...

As best I can tell, conventional wisdom among Bogleheads (and others)
is that one should consider all of one's various investment accounts as
a single portfolio, adopt overall target allocations, an ...

I APPRECIATE all the thoughtful comments thus far. If people are not
already tired of my question, perhaps it would be helpful if I re-posed
it in a more focused way:

I have 10-15% of my egg in T ...