Search found 1124 matches

by 1210sda
Mon Jun 19, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Trying to save money on prescription drug
Replies: 28
Views: 1284

Re: Trying to save money on prescription drug

BruDude wrote:I have ordered from Northwest Pharmacy and had a good experience with it, received actual brand name meds at a heavily discounted price vs US cost. https://www.northwestpharmacy.com/


Thanks for the link.

How long have you been using this source?

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by 1210sda
Sun Jun 18, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 79
Views: 4755

Re: Best Financial Advice from Dad (in honor of father's day)

My best financial advice from my Dad was not spoken, but conveyed by means of his lifestyle.

He taught me, by example, frugality and sensibility in spending.

Has served me well throughout my life.

Thanks Dad!

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by 1210sda
Sat Jun 17, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401k to Roth IRA: Earnings can't be rolled over ???
Replies: 12
Views: 810

Re: Roth 401k to Roth IRA: Earnings can't be rolled over ???

I found a blog (20SomethingFinance, G.E. Miller) with the following comment. "When you open a Roth 401k, your employer will open a separate traditional 401k. All matching funds that go into that traditional 401k are pre-taxed, meaning that you are not taxed now, but you are taxed on withdrawals...
by 1210sda
Fri Jun 16, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401k to Roth IRA: Earnings can't be rolled over ???
Replies: 12
Views: 810

Re: Roth 401k to Roth IRA: Earnings can't be rolled over ???

Nate79 wrote:Are you sure it is a Roth 401k?


Yes, it is a Roth 401k.
It's less than 5 years since it was established. I'm wondering if that factors in.

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by 1210sda
Fri Jun 16, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401k to Roth IRA: Earnings can't be rolled over ???
Replies: 12
Views: 810

Roth 401k to Roth IRA: Earnings can't be rolled over ???

A young relative of mine switched jobs. When he attempted to rollover(or transfer)his Roth 401k to a Roth IRA at Vanguard, he was informed that only his contributions could be put into the Roth IRA. The earnings and company contributions would have to go to a traditional IRA. Is this correct?? 1210
by 1210sda
Mon Jun 12, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Any advice on buying headstone for a grave?
Replies: 22
Views: 1585

Re: Any advice on buying headstone for a grave?

Hi, this is my business so I think I can be of help. Which gray granite are they using? Elberton (Georgia Gray) or Barre Gray? Both are fine quality btw, the difference being Elberton Gray should be cheaper. I assume the imported is China gray and when it's polished it actually resembles Barre Gray...
by 1210sda
Fri Jun 09, 2017 12:34 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 10059

Re: Jim Rogers predicting "crash of a lifetime" this year or next

I too am very concerned about the coming major crash. That's why I back up my computer on a frequent, regular basis. :happy :happy
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by 1210sda
Thu Jun 08, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 6947

Re: Dave Ramsey Financial Peace University ??? worth it?

My concern with the 12% return "advice" is that it can be misleading. If I'm 35 yrs old and have a goal of reaching $1,000,000 by age 65, and I assume a 12% CAGR, I would need to save $3,700 annually. If my actual return turns out to be 6% or 7%, my portfolio at age 65 would be $310,000 or...
by 1210sda
Sat Jun 03, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard Tax-Managed Balanced Fund (VTMFX)
Replies: 11
Views: 889

Re: Question on Vanguard Tax-Managed Balanced Fund (VTMFX)

Thank you.
Is the 25% tax bracket considered the break even point in deciding
whether to use taxable or muni bonds??

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by 1210sda
Sat Jun 03, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard Tax-Managed Balanced Fund (VTMFX)
Replies: 11
Views: 889

Question on Vanguard Tax-Managed Balanced Fund (VTMFX)

Want to be sure that I understand it. The Wiki states that for 2015, the dividend paid was 2.11%. This breaks down as follows: Bond dividend 1.31% and stock dividend .80% which Vanguard said is 100% qualified dividend income. So, this means that a $100,000 investment in VTMFX would generate annually...
by 1210sda
Sat Jun 03, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Time to Move Away from 3-Fund Portfolio?
Replies: 36
Views: 4138

Re: Time to Move Away from 3-Fund Portfolio?

Even taking some tax hits in less optimal strategies is worth it for my benefactors knowing them. If your wife similarly does not wish to get to the intricacies of the most efficient portfolio, the lifestrategy fund of your choosing likely incurs less "cost" than the PAS fee. Totally agre...
by 1210sda
Thu Jun 01, 2017 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Please critique my attorney's suggestions..
Replies: 28
Views: 4233

Re: Please critique my attorney's suggestions..

Not an attorney.

Texas has a new Transfer on Death Deed (TODD) which has only been in effect since November, 2015.

You might want to ask your attorney about it.

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by 1210sda
Wed May 31, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Senility: How do you plan on protecting your money when you lose your mental capacities?
Replies: 72
Views: 5782

Re: Senility and Seductresses: How do you plan on protecting your money when you lose your mental capacities?

This is a very good subject matter for me. I've written a lot of instructions for DW in the event I predecease her. We gone over them at length and even have a Letter of Instructions (LOI)for Vanguard. I feel comfortable that she will be able to manage. She is not as involved as I wish she would be ...
by 1210sda
Wed May 17, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 9205

Re: Is the Vanguard Balanced Index Fund all you need?

Bogleheads - I have wondered how many investors would be better off over the long term with this one fund in all types of accounts (i.e. taxable and tax advantaged) and simply pay any tax due. When I consider the alternative of frequent trading, high expenses, turnover, manager risk, and so forth t...
by 1210sda
Thu May 11, 2017 6:38 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's ELP's pay him to not understand investment fees
Replies: 24
Views: 2536

Re: Dave Ramsey's ELP's pay him to not understand investment fees

I watched the video the OP posted a link too. In it Dave says you can invest $500 per month (the average car payment) into the stock market and have $5 million in 30 years. That would be a return of over 16.5%. He said you don't want to invest in large cap companies because they are too boring. He ...
by 1210sda
Tue May 09, 2017 7:16 pm
Forum: Investing - Theory, News & General
Topic: All-in-one Plus strategy
Replies: 65
Views: 3040

Re: All-in-one Plus strategy

My taxable account and my tax advantaged accounts are about equal. (50/50). I really want to have "simplicity" . (for my spouse, who isn't into investments very much) One approach we are considering is using the Vanguard Tax Managed fund (VTMFX)in taxable and Vanguard Lifestrategy Moderate...
by 1210sda
Mon May 08, 2017 12:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early
Replies: 68
Views: 3403

Re: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early

Happy Birthday Mr Bogle.

With 100% admiration and respect.

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by 1210sda
Tue May 02, 2017 8:33 pm
Forum: Investing - Theory, News & General
Topic: "The Road Less Traveled" by John Bogle
Replies: 31
Views: 4108

Re: "The Road Less Traveled" by John Bogle

I never cease to marvel at this great man's intellect and clarity of thought as he approaches his 88th birthday next Monday.
Amazing !!

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by 1210sda
Thu Apr 20, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 37642

Re: Larry Swedroe says "Goodby."

Will do good wrote:Thank you Larry for all your advices. Sorry some of our members caused you trouble, some do seems to like to argue for the sake of arguing.


+1

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by 1210sda
Tue Apr 04, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: "Preparing For The Next Bear Market"
Replies: 21
Views: 4018

Re: "Preparing For The Next Bear Market"

Remember that the definition of a bear market is arbitrary. There was a 17.7% drop in the TSM in 2011, not enough to 'technically' be a bear market, but it certainly hasn't been a steady march upwards since 2009. Do you mean Vanguard's Total Stock Market Admiral Fund (VTSAX), or some other TSM? If ...
by 1210sda
Tue Apr 04, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: "Preparing For The Next Bear Market"
Replies: 21
Views: 4018

Re: "Preparing For The Next Bear Market"

Remember that the definition of a bear market is arbitrary. There was a 17.7% drop in the TSM in 2011, not enough to 'technically' be a bear market, but it certainly hasn't been a steady march upwards since 2009. Do you mean Vanguard's Total Stock Market Admiral Fund (VTSAX), or some other TSM? If ...
by 1210sda
Mon Apr 03, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: Illusion of poverty/wealth
Replies: 159
Views: 21286

Re: Illusion of poverty/wealth

willthrill81 wrote:I know of at least one former financial adviser who says that he would not advise his clients to take a job that offered a pension in lieu of 401k or something similar.


Because you can't charge AUM on the pension....... :D

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by 1210sda
Sat Apr 01, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Will vs Living Trust
Replies: 52
Views: 4178

Re: Will vs Living Trust

Everything my wife and I own is joint except for individual IRAs and beneficiary should cover that. If one of our kids dies before my wife or myself I would change my documents accordingly. My basic question is a Will sufficient or would BH folks recommend a Living Trust. As stated above, you alrea...
by 1210sda
Wed Mar 29, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 20
Views: 2908

Re: Vanguard Balanced Index Fund In Retirement?

Or you could do a combination of Tax-Managed Balanced (VTMFX) in Taxable and plain ol' Balanced (VBIAX) in Tax-deferred/Roth. This is a very good suggestion. Depending on the balance between Taxable and Tax-advantaged accounts, your AA would never be higher than 60/40, nor lower than 50/50. 1210
by 1210sda
Tue Mar 28, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to easily organize personal finances
Replies: 31
Views: 2607

Re: How to easily organize personal finances

I pay for everything with a cash-back credit card and then I pay that bill in full every month. The credit card company organizes everything for me on the bill. Livesoft, I like your approach. In reviewing my budget, I find that I too could pay for most expenses with a CC, with the following except...
by 1210sda
Sat Mar 25, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Schwab's Intelligent Advisory (now live)
Replies: 22
Views: 2792

Re: Schwab's Intelligent Advisory (now live)

student wrote:I think this may be useful. It is priced competitively as Vanguard charged 0.3% for similar service.


The "capped at $900 per quarter" aspect is interesting if you have a large portfolio. I don't believe that Vanguard PAS does that. Maybe they'll follow suit.

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by 1210sda
Thu Mar 23, 2017 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Death of grantor/trustee
Replies: 18
Views: 1471

Re: Living Trust - Death of grantor/trustee

there are two tax returns: January 1 to date of death for the person, and day after date of death to December 31 for the irrevocable trust. The two tax returns are similar, but the first is on Form 1040, while the second is on Form 1041 (for which I paid a tax preparer). 1. I assume the 1041's cont...
by 1210sda
Fri Mar 17, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Need to Re-invest part of RMD in bond fund. Muni or Not ??
Replies: 18
Views: 1303

Re: Need to Re-invest part of RMD in bond fund. Muni or Not ??

I am fully in the 85%. I guess you are saying that I would be better off with muni's? Sort of. From previous responses, it appears that you have some equities in tax-deferred. I think a solid default is to continue to take RMDs from the equity side (only), and continue pushing excess RMDs to equiti...
by 1210sda
Fri Mar 17, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Need to Re-invest part of RMD in bond fund. Muni or Not ??
Replies: 18
Views: 1303

Re: Need to Re-invest part of RMD in bond fund. Muni or Not ??

1210sda wrote:Thank you House Blend.

I am fully in the 85%. I guess you are saying that I would be better off with muni's?

Qualified dividends sure do help. (Use the 3 fund portfolio, over 75% of my divs are qualified)

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by 1210sda
Fri Mar 17, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Need to Re-invest part of RMD in bond fund. Muni or Not ??
Replies: 18
Views: 1303

Re: Need to Re-invest part of RMD in bond fund. Muni or Not ??

Thank you House Blend.

I am fully in the 85%. I guess you are saying that I would be better off with muni's?

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by 1210sda
Fri Mar 17, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Need to Re-invest part of RMD in bond fund. Muni or Not ??
Replies: 18
Views: 1303

Re: Need to Re-invest part of RMD in bond fund. Muni or Not ??

What is your tax bracket? My rule of thumb is that munis are break-even with taxable bonds of comparable risk at 25% tax rate Therefore, I would prefer taxable bonds unless you are in a 28% bracket, or are in a 25% bracket and Vanguard has a fund for your state/ Muni income is counted as income for...
by 1210sda
Thu Mar 16, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Need to Re-invest part of RMD in bond fund. Muni or Not ??
Replies: 18
Views: 1303

Re: Need to Re-invest part of RMD in bond fund. Muni or Not ??

Asset location guidelines are to put equities in taxable and fixed income in tax advantaged. But, this will make my equities exceed my targeted asset allocation Do you have any equities in tax-advantaged? If so you might be able to sell enough of those and buy FI to maintain your AA even after buyi...
by 1210sda
Thu Mar 16, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Need to Re-invest part of RMD in bond fund. Muni or Not ??
Replies: 18
Views: 1303

Need to Re-invest part of RMD in bond fund. Muni or Not ??

Planning for next year. Due to RMD, Social Security benefits and dividends/interest, my cash flow for 2018 will exceed my needs. I will be investing the excess in my taxable account. Asset location guidelines are to put equities in taxable and fixed income in tax advantaged. But, this will make my e...
by 1210sda
Mon Mar 06, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: The Ultimate Guide to Safe Withdrawal Rates: A 2000-2016 case study
Replies: 31
Views: 4599

Re: The Ultimate Guide to Safe Withdrawal Rates: A 2000-2016 case study

Agree with the several posters.....the 4% is a "guide", not a "rule". It is primarily for planning during your accumulation period. But as a guide, I find it to be a pretty good guide. Before I reached the distribution phase in retirement, I used the 4% wr to build a target portf...
by 1210sda
Sun Mar 05, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: For Travel package...Expedia, Orbitz, or Travelocity?
Replies: 14
Views: 1539

For Travel package...Expedia, Orbitz, or Travelocity?

Planning a trip where I would need hotel, air and a rent car.

Which travel service have you found to be better (i.e. less expensive).

Is it always a better deal to do a package? Might separate be better sometimes? (Southwest Air)

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by 1210sda
Mon Feb 27, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market Question
Replies: 19
Views: 1931

Re: Vanguary Money Market Question

Check out the minimum investment requirement.....

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by 1210sda
Fri Feb 24, 2017 11:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 64
Views: 11178

Re: anguard opens special offices for $1 million clients

Flagship Customers Only ... Interesting that only 60,000 out of 25 million Vanguard clients are Flagship. That's 1/4 of one percent. Using that same percent, means that only about 150 of the 57,000 Bogleheads would be Flagship clients. Surely there must be a much greater representation of Flagship ...
by 1210sda
Tue Feb 14, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 11193

Re: Bogleheads not the norm?

It doesn't seem like being a Boglehead is about how much you make, but how you handle the amount you make. Totally agree with this statement. Another observation: Bogleheads are incredibly generous with their time, advice and suggestions. Anytime I have an issue that I'm not sure how to handle, I a...
by 1210sda
Sun Feb 12, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: The Ned Said Effect strikes again
Replies: 52
Views: 4326

Re: The Ned Said Effect strikes again

Buy (or Sell) the Haystack, not the Needle.......
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by 1210sda
Sun Feb 12, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Which 25X is it? [Planning for retirement]
Replies: 51
Views: 3488

Re: Which 25X is it? [Planning for retirement]

Now that I've reached "RMD Age", our income is fairly consistent......we have 1)Interest and Dividends 2)RMD distribution and 3)Social Security for both of us. Because of this, our federal income tax is also pretty consistent. (No state income tax). I am able to include this as one of our ...
by 1210sda
Tue Feb 07, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Any downside to Grandparent 529
Replies: 20
Views: 2217

Re: Any downside to Grandparent 529

A portion of the grandparent's 529 distribution counts in the child's income for financial aid purposes which will impact eligibility in future years. One strategy is to use it for the final year so no impact. Below is one article from Forbes on the matter. http://www.forbes.com/sites/troyonink/201...
by 1210sda
Mon Feb 06, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: Index Investors getting a free ride
Replies: 53
Views: 5791

Re: Index Investors getting a free ride

I don't know by how much the average active fund beats the index, though. It could be too small a margin. In his paper "A Case for Index Funds" (June 2103), Rick Ferri compared a portfolio of index funds to a portfolio of active funds for the 16 years from 1997 to 2013. He found that, in ...
by 1210sda
Wed Feb 01, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: If the stepped up basis at death is eliminated....
Replies: 22
Views: 1785

Re: If the stepped up basis at death is eliminated....

I am not a big believer in putting all my stocks in my taxable accounts. I have stocks and muni bonds in my taxable account and stocks and regular bonds in my tax free account. I balance each account to about my desired asset allocation. I sell bonds or stocks to rebalance annually and fund my cash...
by 1210sda
Wed Feb 01, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: If the stepped up basis at death is eliminated....
Replies: 22
Views: 1785

Re: If the stepped up basis at death is eliminated....

Thank you for the information, DaSid. This is not a political question on my part. I'm not arguing the merits of it (the stepped up basis) being passed into law or not. I just want to know what others would do if it did become part of the tax code. Seeking the collective guidance of the BH's. It is ...
by 1210sda
Wed Feb 01, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: If the stepped up basis at death is eliminated....
Replies: 22
Views: 1785

Re: If the stepped up basis at death is eliminated....

Why should there be a lock? This has been suggested as a possible event. All I'm trying to do is get other BH's views on possible courses of action. And then begin thinking through the options suggested to see which one might be of the greatest benefit to me and my family?? It's called "prepara...
by 1210sda
Wed Feb 01, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: If the stepped up basis at death is eliminated....
Replies: 22
Views: 1785

If the stepped up basis at death is eliminated....

What would you do?

Start selling small amounts of low basis assets while you are still alive?

Let your survivors/inheritors worry about it.

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by 1210sda
Tue Jan 31, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: Choosing "Simplicity" vs. Returns:
Replies: 3
Views: 764

Re: Choosing "Simplicity" vs. Returns:

Tim, in my opinion, a lot would depend on how involved your spouse is with the current portfolio and how she would handle the portfolio if you predeceased her. I went from 16 funds to the three fund portfolio in 2010. We are very pleased with that decision. In addition, I have a letter of instructio...

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