Bogleheads.org

22twain

This forum has had many discussions about this. Here's a sample, from the first page of the search results that I got by entering "what if everyone indexed" in the search box at the top of this forum. https://www.bogleheads.org/forum/viewtopic.php?t=218396 https://www.bogleheads.org/forum/viewtopic....

22twain

dknightd wrote: ↑
Mon Apr 16, 2018 6:08 pm
Would you put the excess RMD in a after tax account, or, try to roll it over into a Roth?

As I understand it, no part of the RMD can be put into a Roth IRA. After you have satisfied your RMD, you can roll over ("convert") additional amounts into a Roth, and pay taxes on it of course.

22twain

Or Strauss's Also sprach Zarathustra... boom boom boom boom BOOM!

22twain

indexonlyplease wrote: ↑
Sun Apr 15, 2018 10:20 am
I believe it pays quarterly interest

There should be a prospectus available somewhere that describes exactly what it does.

22twain

MathWizard wrote: ↑
Wed Apr 11, 2018 7:15 pm
families normally don't move up in tax brackets when they retire.

Except on this forum, of course, with our Prodigious Accumulators of Wealth.

22twain

Recently, cvs started charging $13.99 each even if you printed them off your usb drive at the kiosk, as long as your 4x6 photo contains those 2x2 images. Wal-Mart did the same thing to me, but their price is $7.44 plus tax. I suspect it might have been simple confusion by the checkout clerk about w...

22twain

Got burned years ago. I have no idea how much to put in stocks or bonds It might help if you could tell us something about how you got burned. Was it something like a handful of individual stocks like pets.com during the dot-com boom of the late 1990s? Or were you in mutual funds and you bailed out...

22twain

However given the current market conditions, I do have real concerns that the market will not continue to perform so well over the next decade. Why just the next decade, when you have possibly 50 to 60 years ahead of you? I see someone has already mentioned Firecalc . I second the suggestion that y...

22twain

Or maybe what some people would call a "tanning bed"? Or maybe you're looking for one of these ? Ensures Happiness in home with these cute little words that add on to the light box. Any relationship in a house or office would enjoy this cute little one to convey sweet and short messages. The box com...

22twain

FYI we had a similar thread not long ago:

viewtopic.php?f=2&t=245524

22twain

I'm about to renew my nearly 15-year-old passport simply by mailing in my old one with a new picture and an application. Another few weeks and I'd have to apply in person at nearest passport office. I'm in a small town in the boonies, so this would probably mean driving to one of the cities an hour...

22twain

Married couple, mid-late 60s, retired, no kids, house paid off, small town in the South. Housing $600 - utilities, property tax, home insurance, appliance replacement; Transportation $450 - two small cars, pro-rated capital cost over 10 years, gasoline, insurance, maintenance Food $500 - both grocer...

22twain

For the past several years, I've used the online version of TurboTax Premier, because I get a discount on the federal return via my account at T. Rowe Price. Total cost this year for federal + state was about $50. I switched from pencil and paper to TurboTax after I started investing an inheritance ...

22twain

1) Get the lump sum of $85,000, which he will be tax at 20% and leaves only $68,000 in his pocket. To be precise, he will probably have 20% withheld for tax when the sum is distributed. The actual (additional) income tax that he owes for this year will depend on the rest of his income for the year....

22twain

Nestegg_User wrote: ↑
Sat Mar 31, 2018 1:46 am
But have you been to “Middle of Nowhere” in Idaho?

I bet the scenery is better than in Center of the World, Ohio.

22twain

For the first quarter of this year I'm down 0.6% overall, on a portfolio that is about 50% stock. This is my first quarterly decline since 3Q 2015. (Remember the China scare?) However, I'm still up 7.3% since a year ago, so I don't feel bad about it.

22twain

Zillow and our county's assessors agree within about 20%, so I use Zillow because it's higher.

Not that it matters much anyway. As we enter retirement in a LCOL area, our paid-off, modest but adequate house comprises less than 5% of our net worth.

22twain

We have another current thread about this very question:

viewtopic.php?f=10&t=245543

22twain

RRAAYY3 wrote: ↑
Thu Mar 29, 2018 12:12 pm
1. Is it wrong to view a taxable account as part of my retirement package/portfolio?

Why would you think that might be so? Then people can address those specific concerns instead of making general statements that may or may not apply in your situation.

22twain

If i have a brokerage account at Vanguard. do i still need to open a Taxable one? If your brokerage account at Vanguard is not an IRA, then it is what we call a "taxable" account. Vanguard and other brokers don't use the word "taxable" for an ordinary (non-IRA) account. On this forum we do customar...

22twain

So, at least the way I see it, the title should be "How old were you when your retirement balance became less than the amount you had when you started retirement?" Is that what the OP was really trying to ask? Yes, I think that is clear from the body of his first post: So you retire with $X and tha...

22twain

The IRS sets the rules and terminology for most of us (US citizens) As far as taxable income is concerned. :wink: Everyday language is never precise, and different people attach different shades of meaning to many words, including "income." From the list in the opening post, it seemed clear to me t...

22twain

Our income last year included wages (part-time work), deferred compensation, and interest and dividends in taxable accounts. For this calculation I did not include interest and dividends in tax-deferred accounts because those are automatically reinvested and we took no distributions from those accou...

22twain

GCD wrote: ↑
Tue Mar 27, 2018 12:19 pm
I had no idea Detroit style pizza was a thing.

Neither did I, and I lived a short drive away for several years when I was in grad school many years ago. The Coney Island (hot dog) is definitely a thing there, however.

22twain

But maybe there are interesting things to do that you might suggest? I know people who do the following: Collect stamps and postal history, travel to stamp shows and maybe participate in competitive exhibitions Collect coins Collect rocks and fossils (and travel to hunt for them) Trainspotting and ...

22twain

The only time I've visited London was in 1980, as a brief stopover on a trip from the US to the Continent when flights were much cheaper to London. At that time there were clusters of small family-run hotels in various neighborhoods. I spent a couple of nights in one a few blocks from Victoria Stati...

22twain

UpperNwGuy wrote: ↑
Tue Mar 27, 2018 6:48 am
Some use bands of various values. Others rebalance only once a year.

Or you can use both. Check once a year. If you're "out of band" then rebalance, otherwise do nothing. Wait till next year to check again.

22twain

Do you have a retirement plan (401k, 403b, etc.) at work? If yes, are you making the maximum contribution ($18,500 per year)? If not, consider using this new money to provide part of your living expenses while you maximize your payroll deduction for your retirement plan. This will have the effect of...

22twain

Archive.org may not have all pages of a site archived for all dates in their calendar-style index, so check various dates if you don't find everything you need on the first attempt.

22twain

If your main goal is to reduce your expense ratio by using Vanguard funds, another option (which I used) is to create a brokerage Roth IRA at TRP, exchange the funds in your current Roth IRA for the money market sweep account in the new brokerage account, and then buy Vanguard ETFs: VTI for Total St...

22twain

403b plans and IRAs have separate contribution limits. You can contribute a total of $18.5K to the former and $5.5K to the latter (if you're under 50 years old). The IRA limit is for the combined total of traditional and Roth IRAs. TIAA is decent, although their plans can be confusing, especially wh...

22twain

Drive along the Ohio River from Pittsburgh down to Cincinnati and beyond. Lots of decaying industry at first, then it peters out, and past Wheeling WV it's mostly rural, with rolling hills on both sides. East Liverpool has a museum about the pottery industry which once dominated that area. Wheeling ...

22twain

Ever since I was a kid in a steel-mill town in the the Midwest in the 1960s, "vacation" has meant "road trip" more often than not. Not too long ago I drove from the Carolinas down to south Florida using US 1 through Georgia and US 301 and 27 down the middle of Florida. I saw things like: the Laurel ...

22twain

I've never deliberately signed a credit card transaction with something that isn't an honest attempt at my own signature. However, many of the point-of-sale electronic terminals that I've used have such poor ergonomics that my attempted signature looks like a first-grader's scrawl anyway. Especially...

22twain

I just got called in for the termination meeting. I work in Academia. Due to declining enrollment and looking at which departments were tuition positive/neutral/negative, the process led to a full blown rank and yank throughout departments. My condolences. :( The same thing happened to me several y...

22twain

Have you read the story of Bob, the world's worst market timer, who had the misfortune of always investing at market peaks, just before crashes or corrections, but turned out pretty well in the end anyway?

22twain

We've been retiring gradually during the past few years. We just figure out the total annual cash flow after the fact, from our checkbook balances. After breaking out "unusual" expenses (vacation trip, new refrigerator, etc.) it's been pretty consistent for the past several years. Even with those ex...

22twain

on occasion in the winter the temperature does plummet to an unspeakably cold 50-60 degrees For many years I visited my parents in Fort Lauderdale where they retired. One Christmas Day we all had to go out for a drive to take advantage of our car heater because the temperature was in the 30s. The l...

22twain

When I renewed my passport last year, I just walked in to the post office, took my picture and sent in the application form. Renewing a passport that is less than 15 years old is a lot less hassle than a new passport, or renewing one that is more than 15 years old. I'm about to renew my nearly 15-y...

22twain

I swear, the word "principal" (as in principal amount of a mortgage, CD, bond, etc.) has almost completely disappeared from this forum, replaced by "principle". Have people really forgotten the difference, or is it group-spelling-checker-think? :annoyed There, I've got it off my chest. It would be i...

22twain

The difference between the Traditional IRA and the Roth IRA is as follows: With the traditional IRA, you deduct contributions from your income when you make out your tax return for that year. That is, you save on taxes in the year that you contribute. In exchange, when you take money out of the IRA,...

22twain

unclescrooge wrote: ↑
Mon Mar 19, 2018 7:55 pm
You should do it. And also write a book on how to day trade your HSA!

No, write a newsletter! You'll get more from $50/year subscriptions than from one-time book sales.

22twain

mopman78 wrote: ↑
Sun Mar 18, 2018 10:08 am
that means 15-20% of my taxable holdings will be bonds. How big of a tax hit would this be?

(size of taxable holdings) x 15-20% x (current yield of Total Bond Market, about 2.5%) x (your marginal tax rate)

Plug in the appropriate numbers for your situation and see what you get.

22twain

If you move money in and out of the Traditional account, beware of possible effects on returns. Contributions made during different time periods ("vintages") have different interest rates. When you take money out, you can't specify which vintage to take it from. Instead, it's taken proportionately f...

22twain

Plan F will no longer be sold to those becoming eligible for Medicare after December 31, 2019. This means that the insured pool for plan F with no new enrollees will begin to age relatively faster than the insured pool for plan G which is the closest substitute for F. This suggests to me that premi...

22twain

Which funds are they? People here might be able to suggest similar funds or ETFs that you can use instead, while you build up towards the required minimums.

22twain

stargazer wrote: ↑
Tue Mar 13, 2018 11:11 am
I recorded Super Bowl LII in its entirety on my cable TV DVR (Optimum)

High definition or standard definition?

I copied my HD recording of the game from my TiVo over to my computer via my home network using a program that connects to the TiVo. Total size is more than 35 gigabytes.

22twain

Are you investing in regular mutual funds, or in shares of individual stocks or ETFs?

22twain

AlohaJoe wrote: ↑
Tue Mar 13, 2018 9:39 am
Advisors generally invest in exactly the same kinds of high-fee funds they put clients in.

So they have just as much trouble saving enough money for a yacht, as their customers do?

(...just thinking of Schwed's "Where Are the Customers' Yachts?")

22twain

When I had to invest in a taxable account for the first time several years ago, after using only my 403(b) plan for many years, I had no experience with independent investing. I went with TRP mainly because my father had used them once upon a time. After I found out about Bogleheads, I first switche...

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