Search found 339 matches

by 2retire
Tue Nov 29, 2016 2:23 pm
Forum: Investing - Theory, News & General
Topic: "Sequence of returns risk"
Replies: 42
Views: 2672

Re: "Sequence of returns risk"

Yes. As a matter of fact, if you are up more than 50%, you may even be able to ratchet up your withdraw percent. See this article my Kitces.

https://www.kitces.com/blog/the-ratchet ... he-4-rule/
by 2retire
Tue Nov 15, 2016 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Missed HSA election window at company, can I still contribute on my own?
Replies: 8
Views: 611

Re: Missed HSA election window at company, can I still contribute on my own?

The bigger question is, will you still be covered at all by health insurance in 2017. At my company, if you didn't submit your benefits package by the deadline day, you are SOL. You don't get any coverage for the following year. If your company isn't like that, I would expect that they would continu...
by 2retire
Fri Nov 04, 2016 5:25 pm
Forum: Investing - Theory, News & General
Topic: Preference for when to Asset Allocate?
Replies: 3
Views: 312

Re: Preference for when to Asset Allocate?

Several studies have shown that one to two years has performed best. This allows stuff that has been outperforming to outperform for longer and when stuff is falling, you aren't constantly throwing good money at bad.
by 2retire
Thu Oct 20, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: Anyone found a good replacement for TaxCaster since Intuit screwed it up?
Replies: 11
Views: 1209

Re: Anyone found a good replacement for TaxCaster since Intuit screwed it up?

It didn't even dawn on me that it would be using the old tax laws and tables. Yeah, I guess it won't be much use going forward.

I guess I may have to try the phone app after all.
by 2retire
Thu Oct 20, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: Anyone found a good replacement for TaxCaster since Intuit screwed it up?
Replies: 11
Views: 1209

Re: Anyone found a good replacement for TaxCaster since Intuit screwed it up?

Link to the old site 2015 but nor much has changed https://turbotax.intuit.com/tax-tools/calculators/taxcaster/html5/index.html Thank you so much. I'm surprised they left the old one online. I have not tried their phone app; I didn't even know they had one. If this old one goes offline, I guess I c...
by 2retire
Wed Oct 19, 2016 4:24 pm
Forum: Personal Consumer Issues
Topic: Anyone found a good replacement for TaxCaster since Intuit screwed it up?
Replies: 11
Views: 1209

Anyone found a good replacement for TaxCaster since Intuit screwed it up?

They really messed up the interface. You can no longer quickly tweak numbers and see what happens. They turned in into a slide show where they ask you one question at a time. I'm looking for a tool that gives you a bunch of edit boxes on one screen and lets you modify them all at once and see the re...
by 2retire
Wed Sep 21, 2016 10:51 am
Forum: Investing - Theory, News & General
Topic: Does Fidelity do Vanguard's 'Balances by Date' Feature
Replies: 9
Views: 947

Re: Does Fidelity do Vanguard's 'Balances by Date' Feature

I logged in to check out my 401(k) through Fidelity. It is accessed through a sub-site of Fidelity called NetBenefits.

For my 401(k), I can in fact request a statement for a specific date.

I ended up calling Fidelity. The guy I spoke to really had no knowledge about how to do what i wanted to do.
by 2retire
Tue Sep 20, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity do Vanguard's 'Balances by Date' Feature
Replies: 9
Views: 947

Re: Does Fidelity do Vanguard's 'Balances by Date' Feature

Interesting. My 'Statement's' tab doesn't have that option.

I know that Fidelity has many different websites, depending on which type of customer you are.

I have standard mutual funds and a work 401(k) through them. I don't have a brokerage account.
by 2retire
Tue Sep 20, 2016 10:22 am
Forum: Investing - Theory, News & General
Topic: Does Fidelity do Vanguard's 'Balances by Date' Feature
Replies: 9
Views: 947

Does Fidelity do Vanguard's 'Balances by Date' Feature

I've just discovered you can use Vanguard's site to go back in time and see your account balances on a specific date in the past. My Accounts (menu) > Balances & Holdings > Balances by Date (tab) I poked around the Fidelity site and couldn't find such a feature. Does anyone know if such a featur...
by 2retire
Tue Aug 30, 2016 4:52 pm
Forum: Personal Consumer Issues
Topic: Anyone use the Nextdoor app or other alternatives?
Replies: 15
Views: 1285

Re: Anyone use the Nextdoor app or other alternatives?

We don't use an app, but we use the website. As Texanbybirth said, it is good for all kinds of things. We've used it to find a landscaper and handyman that are relative neighbors. It also keeps you up to date with all the crimes occurring in the area. You'll be surprised by how much crime and police...
by 2retire
Mon Aug 29, 2016 4:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: I think I found Rick Ferri
Replies: 53
Views: 10367

Re: I think I found Rick Ferri

TravelGeek wrote:
neomutiny06 wrote:http://www.50-50.us

Looks like they sold everything and are traveling.


Is 50-50 their (recommended) asset allocation? ;)


This blog post gives a little background on the 50-50 name. Last I recall, Rick had his portfolio at 70 stocks / 30 bonds.

http://50-50.us/2016/08/01/
by 2retire
Mon Aug 08, 2016 8:47 am
Forum: Investing - Theory, News & General
Topic: Articles that have provoked thought and reflection
Replies: 21
Views: 2707

Re: Articles that have provoked thought and reflection

Michael Kitces - The Ratcheting Safe Withdrawal Rate – A More Dominant Version Of The 4% Rule?
Reason: Made me think about significantly upping my withdraw rate so I don't end with two to four times as much as I started with at death.
by 2retire
Fri Aug 05, 2016 9:09 am
Forum: Investing - Theory, News & General
Topic: Fav books about crashes
Replies: 10
Views: 818

Re: Fav books about crashes

Dr. Bernstein turned me onto Extraordinary Popular Delusions and the Madness of Crowds by Charles Mackay. It was written in 1841, but contains some of the biggest crashes in history. The good news is it is available for free at Project Gutenberg.org.
by 2retire
Fri Jul 22, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Trouble with M* Site this Morning???
Replies: 4
Views: 322

Re: Trouble with M* Site this Morning???

They converted to a new beta format this morning for some people. Check your URL after you get to the home page, does it changes to say beta.morningstar.com? They may be having some issues with Mac based browsers. On the PC, I was able to find a link to put me back to the old format. If you wait lon...
by 2retire
Tue Feb 09, 2016 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Would you invest $30k from a trust in a mutual fund?
Replies: 7
Views: 602

Re: Would you invest $30k from a trust in a mutual fund?

You should have talked to the lawyer about this. You probably need to talk to an elder care lawyer. I suspect that that money needs to be treated like Social Security Representative Payee money. It can probably only be invested in interest bearing accounts like bank and CD accounts. Laws are created...
by 2retire
Fri Feb 05, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: 60 Years Old - Forced to Stop Working - Need Investment Advice
Replies: 30
Views: 4239

Re: 60 Years Old - Forced to Stop Working - Need Investment Advice

I didn't read all of the responses too carefully, but I wanted to point out that what your SS benefit would be at age 62 makes no difference if you go on SSDI. Once you start receiving SSDI, your past SS history doesn't matter. You will continue to receive the SDDI payment until your full retirement...
by 2retire
Wed Jan 06, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is this okay to do with an HSA?
Replies: 5
Views: 615

Re: Is this okay to do with an HSA?

I should clarify. My company has an HSA specific direct deposit form that I fill out. They can direct my HSA money to a different place than my pay check. As far as I understand, they would take the amount I specified out of my paycheck, pre-tax, and deposit it into the account I tell them to. I was...
by 2retire
Wed Jan 06, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is this okay to do with an HSA?
Replies: 5
Views: 615

Is this okay to do with an HSA?

My company is willing to deduct my HSA contribution from my paycheck and send it to my HSA Bank. However, they can't fulfill all the requirements of the HSA bank for the ACH deposit. I have a normal checking account at another bank. Is there any problem with me having my company deposit the money in...
by 2retire
Sun Jan 03, 2016 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Can I invest in two 401ks the same year?
Replies: 8
Views: 654

Re: Can I invest in two 401ks the same year?

Here are a couple of things to keep in mind when switching employers. The new employer might not allow you to get in their 401(k) on day one (some have 3-6 month exclusionary periods). This may mean that you need to up your contribution levels later in the year. This will make your pay checks smalle...
by 2retire
Wed Dec 30, 2015 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Why is my vanguard target fund down today?
Replies: 18
Views: 2185

Re: Why is my vanguard target fund down today?

This was definitely an odd year for the Vanguard Target Date funds. I'm in the 2030 fund and it normally has next to no capital gains distributions every year. This year, the capital gains distribution was were two thirds of the dividend payment. I wasn't expecting that tax bill.
by 2retire
Thu Dec 24, 2015 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Performance?
Replies: 45
Views: 4815

Re: Vanguard Personal Performance?

How are you guys navigating to get these numbers. I don't see anywhere on the Performance page that shows a table listing returns over time.
by 2retire
Tue Dec 22, 2015 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: How old can you be and retire early?
Replies: 81
Views: 8492

Re: How old can you be and retire early?

Based on this younger than age 62 is early: http://www.gallup.com/poll/168707/average-retirement-age-rises.aspx That Gallup poll is interesting. I wish I knew how to see all of the data as far back as they have it. I also wonder how reliable the data is with people self reporting. Before the 2008 f...
by 2retire
Thu Dec 17, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Best noise cancelling headphones?
Replies: 47
Views: 4714

Re: Best noise cancelling headphones?

I'd much prefer over the ear headphones while working at my desk. However, the fact that no one seems to make ones that can be powered by USB is a show stopper for me. Those of you that have the QC20 (in ear version), can you keep the battery pack hooked up to USB and use the headphones continuously...
by 2retire
Tue Dec 15, 2015 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to still pay yourself after selling the company?
Replies: 10
Views: 869

Re: Does it make sense to still pay yourself after selling the company?

How did you come up with a $7500 IRA contribution? The max for 2015 is $6500 ($5500 for everyone and $1000 if the person is over 50). How much money did he and you make before he sold the company. If you guys made more than $6500 before then, he can max it out now. Nothing says they money has to be ...
by 2retire
Wed Nov 25, 2015 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Aligning Cash and Emergency Fund with years of Living Expenses
Replies: 7
Views: 1017

Re: Aligning Cash and Emergency Fund with years of Living Expenses

It really depends on what you have or intend to use your emergency fund for. For example, would you consider a new roof or a new fence to come out of your emergency fund? If so, and your year 1 fund is large enough to cover those types of expenses, then I see no reason not to invest year 2 at a high...
by 2retire
Fri Oct 30, 2015 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 477
Views: 51976

Re: Changes to Social Security

3) There will no longer be the ability to retroactively unsuspend. (See here for a discussion of that strategy.) I didn't pick up on what this meant for single people, until I went over to Kitces blog and read what he had to say (with your corrections). I believe a lot of people will think that the...
by 2retire
Fri Oct 30, 2015 3:09 pm
Forum: Personal Consumer Issues
Topic: How far in advance were you able to open your HSA?
Replies: 3
Views: 399

How far in advance were you able to open your HSA?

According to the IRS, HSA's are for people already covered under a HDHP. During open enrollment, you aren't yet covered under a HDHP, so in theory, you shouldn't be allowed to open an account yet. I was wondering what your experience was like when you first opened your HSA. Did you open it before yo...
by 2retire
Wed Sep 16, 2015 12:54 pm
Forum: Investing - Theory, News & General
Topic: Personal Capital White Paper: Brokerage Fees
Replies: 30
Views: 2508

Re: Check out the fees charged by brokerage houses -- wow!

Our favorite, Edward Jones, isn't in the list :(
by 2retire
Wed Sep 16, 2015 12:52 pm
Forum: Investing - Theory, News & General
Topic: Yale collects Interest on Dutch Bond from 1648
Replies: 15
Views: 2119

Re: Yale collects Interest on Dutch Bond from 1648

I read it that they bought the bond for their archives. Someone probably then realized that they could collect money on it and that is why they didn't collect anything since 2003.
by 2retire
Mon Sep 14, 2015 9:35 am
Forum: Investing - Theory, News & General
Topic: Help me to compare these funds, meeting with advisor manager
Replies: 14
Views: 897

Re: Help me to compare these funds, meeting with advisor manager

You might want to point out that what they are doing is chasing performance. They expect that because a fund did well in the past, it will do well again in the future. Have a look at this graph: http://morning-wave-7809.herokuapp.com/#mwtix/vbtlx It clearly shows that the bond fund under-performed f...
by 2retire
Wed Aug 26, 2015 3:48 pm
Forum: Investing - Theory, News & General
Topic: Wash Sale Quiz!
Replies: 38
Views: 3115

Re: Wash Sale Quiz!

Why is this even a wash sale quiz question?

My understanding of a wash sale is it can't be a wash sale unless you buy more shares. Since she decides to sell shares to buy the Lexus, she doesn't have to worry about a wash sale until she is ready to buy more shares.
by 2retire
Sun Aug 23, 2015 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification about the 5% "play money" thing...
Replies: 12
Views: 917

Re: Clarification about the 5% "play money" thing...

I've always envisioned it as a fixed 5% of your incoming investment dollars. Meaning every time you add money to your portfolio, you add 95% to you normal investments and 5% to your play money. In addition, you never rebalance between the two. If you lose it all, too bad; if you do great, keep swing...
by 2retire
Sun Aug 16, 2015 8:45 pm
Forum: Personal Consumer Issues
Topic: What's a Bug Out Bag and who uses them?
Replies: 72
Views: 10016

Re: What's a Bug Out Bag and who uses them?

In case you don't know TEOTWAWKI; The End Of The World As We Know It. Bug Out Bags are bags kept by people that have a serious belief that the end is coming, be it from political or environmental causes. Typically a bug out bag contains the necessary supplies to get you from you current home to wher...
by 2retire
Wed Jul 15, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 13872

Re: Are you going to shop on Prime Day?

Has anyone found any kind of way to limit what it shows? I'm only interested in electronics. I'd like to be able to see a list of all electronics and when they are coming up for sale. Right now, it requires too much time to sit there and sift through everything.
by 2retire
Tue Jun 09, 2015 3:53 pm
Forum: Investing - Theory, News & General
Topic: What does "The Market" refer to?
Replies: 7
Views: 772

Re: What does "The Market" refer to?

In this particular case, I have a feeling they were talking about the bond 'market', since that is what they were talking about just prior. There is a benchmark called that Barclays US Aggregate Bond Index. This index is often used to imply the bond market. It is negative for the year. Edit: If they...
by 2retire
Thu Jun 04, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: Home Network Security - Minecraft
Replies: 12
Views: 1616

Re: Home Network Security - Minecraft

Most new wireless routers prevent wireless users from seeing each other for security reasons. You typically have to go into the router and turn this feature off. The way I secure my network from untrusted computers it to use two routers. You connect the first (untrusted router) directly to your cabl...
by 2retire
Sun May 31, 2015 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Solar panel forum
Replies: 2
Views: 556

Re: Solar panel forum

I second solarpaneltalk.com. It appears to be the bogleheads of the solar panel world. And like was already said, be sure to read all the stickies. Lots of good information in them, not just rules.
by 2retire
Sat May 30, 2015 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 22
Views: 2084

Re: Anyone Trying to Login to Vanguard?

It is more than just logging in too. I'm unable to use the search feature to look up the funds by ticker symbol.
by 2retire
Sat May 30, 2015 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 22
Views: 2084

Re: Anyone Trying to Login to Vanguard?

Yeah, they must be screwing around with something, because I can't get in with IE now either.
by 2retire
Sat May 30, 2015 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 22
Views: 2084

Re: Anyone Trying to Login to Vanguard?

I too just tried to log in to do my monthly reconciliation and can't get in with Firefox. I managed to get in with IE though. I don't believe it is cache settings. I do all my browsing in private mode, so no cookies or cache is kept. I believe their redesign broke the site for people that browse in ...
by 2retire
Mon May 25, 2015 7:52 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 90
Views: 15597

Re: Any solo retired RVer's out there?

If you want to do more research on Casitas, you'll want to visit:

http://casitaclub.com

It is the Bogleheads equivalent for Casita owners.
by 2retire
Mon Apr 13, 2015 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Need tax breaks for this year?
Replies: 19
Views: 1467

Re: Need tax breaks for this year?

Please clarify. What your proposing makes absolutely no sense.

You have the ability to take out $115K HELOC or you already have taken out $115K? If the later, why?
by 2retire
Fri Apr 10, 2015 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Short term disability
Replies: 15
Views: 1438

Re: Short term disability

Do you have an emergency fund? This is exactly what emergency funds are for.
by 2retire
Thu Apr 09, 2015 10:09 am
Forum: Personal Consumer Issues
Topic: Probability question for math wizzes
Replies: 7
Views: 1597

Re: Probability question for math wizzes

Thanks for the answers so far. It looks like I have some reading and research to do. I figured I might need to do some, but I had no idea what terms I even needed to Google on. Hopefully, I can find some Khan Academy videos that will explain some of this. I'm sure I'll be back with more questions. E...
by 2retire
Wed Apr 08, 2015 1:19 pm
Forum: Personal Consumer Issues
Topic: Probability question for math wizzes
Replies: 7
Views: 1597

Probability question for math wizzes

I have a couple of probability questions I'm trying to learn how to solve. Since there seem to be so many people good with math here, I thought I'd pose it to you. Person A states: 75% chance of A happening 25% chance of B happening Person B runs a test 100 times and comes up with: A happened 98 tim...
by 2retire
Fri Mar 20, 2015 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: RMD
Replies: 6
Views: 688

Re: RMD

Neither.

Wait until your year end statements are ready and use those values. You have a whole year to take the money out, there is no rush.
by 2retire
Thu Mar 12, 2015 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 41
Views: 8849

Re: Fidelity Contrafund

I have held it even longer. It is about 5% of my portfolio right now. Since the early 90's, my XIRR is 11.14%. It has really become a closet index fund. Here is a telltale chart of its performance. http://morning-wave-7809.herokuapp.com/#fcntx/VTSMX A large part of the run up in the 2000's was becau...
by 2retire
Thu Mar 05, 2015 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Separate Phone for Business?
Replies: 14
Views: 903

Re: Separate Phone for Business?

You also need to think about security, if the phone will be used to synch to corporate mail servers. Most companies can wipe phones remotely in the event a phone is lost, stolen, or they are terminating an employee. There have been cases where employees have been terminated and their phone wiped bef...

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