Search found 1876 matches

by Artsdoctor
Tue May 03, 2016 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Primary Residence Capital Gain over 500K Strategy question
Replies: 11
Views: 812

Re: Primary Residence Capital Gain over 500K Strategy question

Regarding inflation adjustments, I really wouldn't hold my breath. There are many upper limit tax amounts for high-income earners that have not budged and are designed not to budge.
by Artsdoctor
Tue May 03, 2016 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Primary Residence Capital Gain over 500K Strategy question
Replies: 11
Views: 812

Re: Primary Residence Capital Gain over 500K Strategy question

Thanks all. I guess I will have to look through all the receipts of the last 20 years! I don't think selling house is a good move for us, having to pay 6% realtor fee + 1.5% excise tax + getting the house ready for sale + looking for a new house. Even if house appreciate 50% down the road, capital ...
by Artsdoctor
Sat Apr 30, 2016 5:49 pm
Forum: Investing - Theory, News & General
Topic: Whom do you purchase a SPIA from?
Replies: 10
Views: 1531

Re: Whom do you purchase a SPIA from?

^ There are several reasons many might consider a SPIA. Take a look at the Wiki for a discussion:

https://www.bogleheads.org/wiki/Immediate_fixed_annuity
by Artsdoctor
Thu Apr 28, 2016 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Municipal Bond Funds
Replies: 51
Views: 4981

Re: Total Bond vs Municipal Bond Funds

Regarding bond yield calculators, I'm going to make it even MORE complicated. One may think he's in a "28% bracket" but that may not be correct. Especially in high tax states, AMT can come into play frequently and rates can vary widely. In order to really compare yields (and not addressing...
by Artsdoctor
Sun Apr 24, 2016 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Wills & Trusts - Necessity
Replies: 14
Views: 1645

Re: Wills & Trusts - Necessity

If you think it might fit your plans, Vanguard can act as trustee. They have an entire trust division that's available for a very modest fee.
by Artsdoctor
Wed Apr 20, 2016 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Treasuries at Auction - Fidelity and Schwab
Replies: 7
Views: 538

Re: Treasuries at Auction - Fidelity and Schwab

I agree with the above but Fidelity has come a long way. I have definitely purchased individual munis at auction without any cash, but I've had other assets in my taxable account for back-up. Theoretically, if I didn't transfer money in by settlement date, they'd sell one of my other assets to cover...
by Artsdoctor
Wed Apr 20, 2016 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing: Tax consequences
Replies: 36
Views: 1749

Re: Rebalancing: Tax consequences

BonBon, Just back up from the debates for a minute. Ask yourself why anyone rebalances in the first place. The primary point in rebalancing is ameliorating risk. If you happen to make a little more money in the process, that's bonus. There are times when very dramatic swings can occur (2008-2009) an...
by Artsdoctor
Wed Apr 20, 2016 4:18 pm
Forum: Investing - Theory, News & General
Topic: Should you follow the 4% rule?
Replies: 23
Views: 2722

Re: Should you follow the 4% rule?

"But one way or another you need to come up with a flexible plan. Blindly following the 4% rule (or any other system for that matter) won't cut it. Life is too unpredictable for that." You can distill the whole down to this. The "4% rule" suggests that you start with a 4% withdra...
by Artsdoctor
Wed Apr 20, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone done a Mature Driver Course for Insurance discount
Replies: 11
Views: 667

Re: Anyone done a Mature Driver Course for Insurance discount

Yes. I took mine through the AARP site, the cost was negligible and the discount is about 5%. If you have the time, it's worth it. Believe it or not, you'll probably learn something you didn't know.
by Artsdoctor
Wed Apr 20, 2016 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Treasuries at Auction - Fidelity and Schwab
Replies: 7
Views: 538

Re: Treasuries at Auction - Fidelity and Schwab

When buying new issues, there's a lag time of several days between the close of auction and the settlement date. You can use that time to put the money into your account.
by Artsdoctor
Wed Apr 20, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: What I am expecting when rolling over 401K to a Roth IRA
Replies: 3
Views: 291

Re: What I am expecting when rolling over 401K to a Roth IRA

Lagflag, You will be given tax forms no matter what you do. You'll simply enter the figures on next year's tax form. The sum is so small that tax ramifications will be minimal; you'd really have very little benefit of doing it in intervals. I'd just keep things as simple as possible and make as few ...
by Artsdoctor
Wed Apr 20, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any scenario where I *shouldn't* withdraw dividends from taxable to reinvest later?
Replies: 11
Views: 1063

Re: Is there any scenario where I *shouldn't* withdraw dividends from taxable to reinvest later?

Mud, This is a personal decision, and there's no right or wrong way to do this. In your particular situation, you have only one mutual fund in your account so there's only one place to put those dividends--back into the fund. If you're making regular contributions to the fund from a money market fun...
by Artsdoctor
Thu Apr 14, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: Scheduling Flight for Minimal Jet Lag
Replies: 17
Views: 1104

Re: Scheduling Flight for Minimal Jet Lag

Obviously, use points to upgrade to business class and sleep on the plane. Short of that, I would do almost anything to avoid arriving prior to hotel check-in. If your hotel won't be ready until 3 and you take the earlier flight, I'd even consider paying for the night before. Having the ability to t...
by Artsdoctor
Thu Apr 14, 2016 10:08 am
Forum: Investing - Theory, News & General
Topic: How do you measure which retirement income strategy is best? By Michael Kitces
Replies: 21
Views: 1971

Re: How do you measure which retirement income strategy is best? By Michael Kitces

Some of the comments above are unfair. The synopsis in the original post is extremely abbreviated and doesn't even begin to describe the nuances in the article. I don't know anyone could comment (fairly) without reading the whole article. There are even hyperlinks to drill down on some of the statis...
by Artsdoctor
Mon Apr 04, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: What % of VTSAX dividends are qualified?
Replies: 9
Views: 581

Re: What % of VTSAX dividends are qualified?

Crush,

I believe you're misinterpreting your 1099.

The first box is the total dividend paid out. The second box is the total qualified dividend amount.

If the first box amount is the same as the second box, that means that all of the dividends paid are qualified.
by Artsdoctor
Fri Apr 01, 2016 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust vs Transfer on Death
Replies: 54
Views: 3608

Re: Living Trust vs Transfer on Death

I've learned a lot about trusts here on this forum, both for and against. We have one poster who is exceptional and has published widely on this very topic. There is one thing that cannot be debated, though: this all depends on the state of residence. One of the reasons you're going to get a variety...
by Artsdoctor
Thu Mar 31, 2016 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA Medicare inflation adjustment
Replies: 4
Views: 310

Re: IRMAA Medicare inflation adjustment

"Three percent of all Part D enrollees (1.2 million beneficiaries) will be subject to the new income-related Part D premium in 2011, rising to 9 percent (4.2 million beneficiaries) in 2019."

BUT . . . I wonder what the percentage of Bogleheads will be affected!
by Artsdoctor
Thu Mar 31, 2016 6:46 pm
Forum: Investing - Theory, News & General
Topic: TIPS Anyone?
Replies: 92
Views: 7174

Re: TIPS Anyone?

I wad referring to holding bonds to maturity vs holding a bond fund. I agree buying in a secondary market is mostly the same as buying a new issue, although doesn't buying a secondary bond with accrued inflation correction to principal increase exposure to deflation on bonds held to maturity? In th...
by Artsdoctor
Thu Mar 31, 2016 5:28 pm
Forum: Investing - Theory, News & General
Topic: TIPS Anyone?
Replies: 92
Views: 7174

Re: TIPS Anyone?

Sure. I was responding to a posting about liability matching. The idiosyncracies of market pricing of a TIPs portfolio that is marked to market would introduce a sequence of return risk if you are trying to match the returns precisely to liabilities that occur at specific times, which is why a TIPs...
by Artsdoctor
Wed Mar 30, 2016 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Quarterly taxes for 87 yr senior
Replies: 18
Views: 1266

Re: Quarterly taxes for 87 yr senior

From IRS Form 1040-ES (estimated tax), page 2: You can pay all of your estimated tax by April 18, 2016, or in four equal amounts by the dates shown below... Actually, in practice, I'm not sure they have to be equal amounts. Suppose someone has unexpected income, they would want to amp up their esti...
by Artsdoctor
Wed Mar 30, 2016 4:52 pm
Forum: Investing - Theory, News & General
Topic: Bonds play a valuable role in a diversified portfolio.
Replies: 15
Views: 1989

Re: Bonds play a valuable role in a diversified portfolio.

artsdoc SOME people have human capital that is bond like, but others have human capital that is more equity like, more highly correlated with the stock market and economy, and thus they should hold less equity. Have to ask ARE YOU A STOCK OR A BOND. Larry We might disagree on this, but only in good...
by Artsdoctor
Wed Mar 30, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: taxes: capital loss carryover question
Replies: 8
Views: 491

Re: taxes: capital loss carryover question

This is because mutual fund short-term capital gains distributions are not treated as short-term capital gains. Is there such thing as short-term capital gains distributions? IRS Publication 564 page 2 under Capital Gain Distributions doesn't refer to the distributions as short or long, but capital...
by Artsdoctor
Wed Mar 30, 2016 4:34 pm
Forum: Investing - Theory, News & General
Topic: TIPS Anyone?
Replies: 92
Views: 7174

Re: TIPS Anyone?

Not everyone is interested in a Liability Matching Portfolio, but if someone does want to cover basic income needs during retirement and then have a Risk Portfolio that allows them to go for aspirational return, then I think individual TIPS are an option. They're not the only option, but a pretty go...
by Artsdoctor
Tue Mar 29, 2016 6:12 pm
Forum: Investing - Theory, News & General
Topic: Bonds play a valuable role in a diversified portfolio.
Replies: 15
Views: 1989

Re: Bonds play a valuable role in a diversified portfolio.

Seems to me at this point in time, high quality bonds serve little more purpose than preventing investors in accumulation from abandoning their plans from market volatility. If you can stomach volatility, than a small % say 10-20% should do. That way you can rebalance and buy more stocks when they ...
by Artsdoctor
Tue Mar 29, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Quarterly taxes for 87 yr senior
Replies: 18
Views: 1266

Re: Quarterly taxes for 87 yr senior

My father, 87, has these questions about paying his taxes quarterly: 1. I plan to pay the full year's Estimated Federal tax up front. 2. Can I send in a single check to cover the full year's tax? Or do I send in 4 separate checks? 3. Do I include 4 quarterly vouchers, or a single voucher and change...
by Artsdoctor
Tue Mar 29, 2016 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Who's the latest low cost HSA account holder
Replies: 10
Views: 795

Re: Who's the latest low cost HSA account holder

I use HSA Administrators. The two of us have accounts, and the annual administration fees (I think $49 per year?) are waived because of the balances (they changed banks last year and if balances were above certain levels, they waived the administrative fees but I don't know their criteria for that)....
by Artsdoctor
Tue Mar 29, 2016 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with old TIAA 403b?
Replies: 15
Views: 905

Re: What to do with old TIAA 403b?

The TIAA annuity rates in the past have created a nice income stream, especially for those who invested many years ago. You're 40 so this will most likely not matter: Just remember that once you commit to the TIAA Annuity, it will take you ten years to get out of it (annual liquidation over a decade...
by Artsdoctor
Tue Mar 29, 2016 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dropping Full Coverage Auto Insurance
Replies: 6
Views: 642

Re: Dropping Full Coverage Auto Insurance

By "full coverage" do you mean everything including Comprehensive and Collision? Sure, if the vehicle not worth that much and you wouldn't mind just scrapping it if you wouldn't even submit the claim to the insurance company anyway. I wouldn't touch the liability or other types of coverage...
by Artsdoctor
Sun Mar 27, 2016 6:09 pm
Forum: Investing - Theory, News & General
Topic: TIPS Anyone?
Replies: 92
Views: 7174

Re: TIPS Anyone?

Over the past few years, I've been adding to my individual TIPS allocation in order to create a ladder that matures between 65-85. This has become known in these circles as a Liability Matching Portfolio. I have no idea if this will be superior to what I would've done with an all-fund portfolio, an...
by Artsdoctor
Sun Mar 27, 2016 9:47 am
Forum: Investing - Theory, News & General
Topic: TIPS Anyone?
Replies: 92
Views: 7174

Re: TIPS Anyone?

Over the past few years, I've been adding to my individual TIPS allocation in order to create a ladder that matures between 65-85. This has become known in these circles as a Liability Matching Portfolio. I have no idea if this will be superior to what I would've done with an all-fund portfolio, and...
by Artsdoctor
Fri Mar 25, 2016 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Long-Term Tax-Exempt Fund instead of a CD
Replies: 7
Views: 1166

Re: Vanguard Long-Term Tax-Exempt Fund instead of a CD

Your question has multiple components: When is it better to pay off one's mortgage versus investing in fixed income? How does one decide what average maturity is most beneficial when investing in fixed income? Is the purpose of one's fixed income investments yield? Total return? To stabilize the vol...
by Artsdoctor
Fri Mar 25, 2016 12:13 pm
Forum: Investing - Theory, News & General
Topic: Article by Michael Kitces makes the case that gov. bonds are a better diversifier than corporates (against the S&P500)
Replies: 34
Views: 3000

Re: Article by Michael Kitces makes the case that gov. bonds are a better diversifier than corporates (against the S&P50

I had over-weighted my bond portfolio with investment grade corporate bonds (through a fund) when the slide began in 2008. Why? I wanted the yield. When the equity market tanked, so did the corporate bonds. Of course, the corporates (and ultimately the equities) bounced back in 2009 so the total ret...
by Artsdoctor
Thu Mar 24, 2016 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawal Strategies for Larger Purchases after Retiring
Replies: 39
Views: 2686

Re: Withdrawal Strategies for Larger Purchases after Retiring

Lady IJ, There are many ways to handle this, but I can convey one way that I'd NOT recommend doing it: Some people have nearly everything they have in tax-deferred accounts. If a large expense is incurred, then a large withdrawal is made from the tax-deferred account. Because withdrawals from a tax-...
by Artsdoctor
Thu Mar 24, 2016 1:32 am
Forum: Investing - Help with Personal Investments
Topic: I generally invest in Roth accounts, but should I invest in a Traditional IRA?
Replies: 57
Views: 3160

Re: I generally invest in Roth accounts, but should I invest in a Traditional IRA?

For 2015, full Roth IRA contribution is permitted if MAGI for Roth IRA purposes is under 116K. A person with 134K salary who contributes 18K to Traditional 401k would be allowed full contribution to Roth IRA. If direct Roth contribution is not allowed at OP's income, traditional IRA contribution an...
by Artsdoctor
Wed Mar 23, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Contributions: Is there a benefit cap once a certain income level is reached?
Replies: 10
Views: 491

Re: IRA Contributions: Is there a benefit cap once a certain income level is reached?

Come on. What don't you contribute to the max for your Trad. 401K? Then, your AGI will be low enough to contribute 5.5K to Roth IRA. I would contribute something like 13k and leave about 5K in room just in case that the new employer has nice matching 401K contribution. Furthermore, your Trad. 401K ...
by Artsdoctor
Sun Mar 20, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: fasting for better health
Replies: 16
Views: 1172

Re: fasting for better health

If you're going to jump on a trend, you may as well look at the science behind it. There usually isn't any. There is no reason to fast for better health. If you find something in a peer-reviewed, respected medical publication, please post it here.
by Artsdoctor
Sat Mar 19, 2016 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab 1099 Problems for Maturing TIPS
Replies: 3
Views: 419

Re: Schwab 1099 Problems for Maturing TIPS in 2014

If #Cruncher has to take on Schwab, the rest of us don't have a chance!

Yet another reason to hold individual TIPS in tax-advantaged accounts.
by Artsdoctor
Sat Mar 19, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of Vanguard
Replies: 11
Views: 1754

Re: Bank of Vanguard

Do you mean VanguardAdvantage ? I don't see any benefits to it, though...unless I'm missing something, it's just a high minimum, high fee checking account with no useful distinguishing features. It depends. We've had VangardAdvantage for 10? years. It is our primary checking account. It's always be...
by Artsdoctor
Sat Mar 19, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Rates going DOWN for CALIF EARTHQUAKE insurance
Replies: 14
Views: 1486

Re: Rates going DOWN for CALIF EARTHQUAKE insurance

Lucy Jones is extraordinary. Who in Southern California doesn't respect Dr. Lucy? I attended a talk she gave a couple of years ago which outlined what would happen if a very large quake occurred along the San Andreas fault. She described step after step of how this would play out, not only from a se...
by Artsdoctor
Sat Mar 19, 2016 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity customer service experience
Replies: 41
Views: 3508

Re: Fidelity customer service experience

To be fair, I've never had a problem with getting the job done at Fidelity. And full disclosure, 20% of our investable assets are at Fidelity so I believe they're doing something right; my parents have also had many of their assets with them and when it came time to settle up estate matters, things ...
by Artsdoctor
Sat Mar 19, 2016 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Rates going DOWN for CALIF EARTHQUAKE insurance
Replies: 14
Views: 1486

Re: Rates going DOWN for CALIF EARTHQUAKE insurance

Earthquake coverage is a personal decision, of course. For that matter, if you've paid off your house, you could even consider dropping your homeowner's insurance. You can drop your disability insurance and your umbrella insurance. In reality, people look at insurance differently. All of my policies...
by Artsdoctor
Fri Mar 18, 2016 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: How Life Insurance Loans Really Work And Why It’s Problematic To “Bank On Yourself” by Michael Kitces
Replies: 37
Views: 3360

Re: How Life Insurance Loans Really Work And Why It’s Problematic To “Bank On Yourself” by Michael Kitces

^ Which really gets to the heart of the matter. Don't invest in anything you don't understand. Sales people have a tendency to make you feel stupid; don't fall for it.
by Artsdoctor
Fri Mar 18, 2016 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity customer service experience
Replies: 41
Views: 3508

Re: Fidelity customer service experience

Fidelity's customer service and website are among the best in the business. It's very hard to do better than Fidelity. And as another poster mentioned, nothing stops you from having your accounts at Fidelity and investing in Vanguard ETFs. Perhaps. While trying to transfer Fidelity assets into a tr...
by Artsdoctor
Fri Mar 18, 2016 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Rates going DOWN for CALIF EARTHQUAKE insurance
Replies: 14
Views: 1486

Re: Rates going DOWN for CALIF EARTHQUAKE insurance

Some people have clearly not lived through a major earthquake. There are many faults in CA. Saying your house didn't sustain damage during Northridge means you're immune to earthquake damage is being in denial. Earthquake insurance is far more affordable now than even 1 year ago. A second look might...
by Artsdoctor
Fri Mar 18, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Selling rental property partially used as primary residence?
Replies: 13
Views: 1012

Re: Selling rental property partially used as primary residence?

^ And I also presume very little. Which is why I asked if the income was declared! :beer
by Artsdoctor
Fri Mar 18, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage prepayments & savings targets
Replies: 20
Views: 1969

Re: Mortgage prepayments & savings targets

Should mortgage prepayments "count" towards annual savings targets? Thanks! As you see, there's a debate. But what do you mean "savings target"? People will often "target" a percentage of their income in an investment portfolio plan. For example, one might say "I'...
by Artsdoctor
Fri Mar 18, 2016 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Rates going DOWN for CALIF EARTHQUAKE insurance
Replies: 14
Views: 1486

Re: Rates going DOWN for CALIF EARTHQUAKE insurance

Not only have rates decreased, sometimes significantly, but your options have increased. You may wait to take a closer look at your deductibles.
by Artsdoctor
Fri Mar 18, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Selling rental property partially used as primary residence?
Replies: 13
Views: 1012

Re: Selling rental property partially used as primary residence?

abuss368 wrote:Was Depreciation taken on the rental portion of the property?


One would presume that depreciation was taken in order to offset the income that the OP was declaring all along.

Knightrider: You were declaring the income, right? :shock:
by Artsdoctor
Thu Mar 17, 2016 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Debit Card, any benefit?
Replies: 7
Views: 605

Re: HSA Debit Card, any benefit?

You might want to check your fee schedule, and definitely read the fine print. They may be a charge for debit card use.

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