Search found 168 matches

by Copernicus
Wed Jul 20, 2016 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: "Security freeze" to prevent credit fraud
Replies: 16
Views: 1069

Re: "Security freeze" to prevent credit fraud

Are you sure you just want to prevent credit card fraud as you state? That can be done by contacting each credit card company. A security freeze prevents disclosure of your info and others from opening an account in your name does indeed involve contacting each of the three. http://www.consumerrepo...
by Copernicus
Mon Jul 18, 2016 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: "Security freeze" to prevent credit fraud
Replies: 16
Views: 1069

"Security freeze" to prevent credit fraud

I read that it is safer to do this in order to prevent credit fraud. I looked at the procedure, and the security freeze has to be applied for individually to each of the three agencies!! And the procedure seems very elaborate.
Is there a simple, fast way to do this across the board for all three?
by Copernicus
Thu Jul 14, 2016 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: investing an inheritance
Replies: 22
Views: 2381

Re: investing an inheritance

We do not need income from the investment yet--probably not for ten years. This market has me on the sidelines. painof62 N one knows the future. Ten years? I would invest all money maybe in three portions, one month apart, in a disciplined schedule; while keeping the target asset allocation constant.
by Copernicus
Thu Jul 14, 2016 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 12
Views: 806

Re: Rebalancing Question

Minimum |Desired |Maximum | Actual Allocation |Allocation|AllocationAllocation US Equities 41 46 51 46 International 6 8 10 7 Bond funds 31 36 41 33 CD 8 10 13 8 Cash 0 0 0 5 I wonder how one comes up with such precise target allocation. Is this using a mathematical model? I only use simple, round ...
by Copernicus
Thu Jul 14, 2016 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Recolating w/fiance, principle property sale, minimizing cap gains
Replies: 8
Views: 633

Re: Recolating w/fiance, principle property sale, minimizing cap gains

The property would have to be owned by both in order to claim tax benefit. That means, before you sell, you would have to change the ownership to both. Now, as joint owners, do you have to live there for 5 years before you can claim deduction for cap gains? I would think so, but check with an attorn...
by Copernicus
Mon Jul 11, 2016 10:21 pm
Forum: Investing - Theory, News & General
Topic: Bonds vs stocks for the long term
Replies: 3
Views: 560

Bonds vs stocks for the long term

I hold and will continue to hold a mix of stocks and bonds passive index funds appropriate for my situation. However, I was astounded by the information in the video clip. I wonder what others think: Is the information accurate? Do you concur in the interpretation of the data? Was the risk in holdin...
by Copernicus
Thu Jul 07, 2016 7:41 pm
Forum: Personal Consumer Issues
Topic: Power surge protector for tv, soundbar??
Replies: 30
Views: 1722

Re: Power surge protector for tv, soundbar??

Just to stir the pot a little bit... As an electrical engineer I am highly skeptical of: 1) a surge protector's ability to meaningfully increase the protection level of a modern device over the protection that is already built-in. 2) the existence of frequent enough device destroying surge phenomen...
by Copernicus
Thu Jul 07, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Power surge protector for tv, soundbar??
Replies: 30
Views: 1722

Re: Power surge protector for tv, soundbar??

I live in an area where lightening is not common. I can't recall in the last 15 years.
Other than lightening strikes, are there other reasons for power surges that might destroy electronics?
by Copernicus
Thu Jul 07, 2016 1:01 pm
Forum: Personal Consumer Issues
Topic: Power surge protector for tv, soundbar??
Replies: 30
Views: 1722

Power surge protector for tv, soundbar??

I am having a tv and soundbar mounted on the wall. There is a convenient power outlet hidden behind the tv that can supply both tv and soundbar. There is no room to put a power surge protector there. Is it necessary to use a power surge protector for the 'smart' tv and soundbar? Residence in Norther...
by Copernicus
Sat Jun 25, 2016 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: UK investing platforms for Vanguard funds
Replies: 16
Views: 869

Re: UK investing platforms for Vanguard funds

magneto wrote:Worth remembering charges are forever changing, so today's best deal may not be tomorrow's.
There are wider issues beyond cost.

Thank you, magneto.
by Copernicus
Sat Jun 25, 2016 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: UK investing platforms for Vanguard funds
Replies: 16
Views: 869

Re: UK investing platforms for Vanguard funds

I've used the halifax sharedealing service - very easy to navigate and transact. Never done phone orders though but I imagine you would have no problems. Fidelity are good too and have their own good range of index funds. Vanguard is not as widely available in the UK eg they don't offer direct acco...
by Copernicus
Wed Jun 22, 2016 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: UK investing platforms for Vanguard funds
Replies: 16
Views: 869

Re: UK investing platforms for Vanguard funds

Hi Ted, Your comments are valuable! I will look into the Halifax shares trading account; and yes, we will double check the rates etc. I will again look into the LifeStrategy funds. I had debated in my mind that 4 ETFs (2 shares and 2 bonds) might provide a better learning opportunity to her. On the ...
by Copernicus
Wed Jun 22, 2016 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: UK investing platforms for Vanguard funds
Replies: 16
Views: 869

Re: UK investing platforms for Vanguard funds

For this amount, and considering that as a novice, she needs good service; she may opt to go with Hargreaves and Lansdown. On the other hand, Hargreaves Lansdown do not currently charge percentage based fees for ETF holdings, so if that is the preferred route then the choice of platform is a bit mo...
by Copernicus
Tue Jun 21, 2016 8:53 am
Forum: Investing - Help with Personal Investments
Topic: UK investing platforms for Vanguard funds
Replies: 16
Views: 869

Re: UK investing platforms for Vanguard funds

TedSwippet, Thank you so much for the information! I am taking time to figure out the details! They have really made it difficult to identify 'the best' option! My friend has no investments experience, and have probably total investment amount of about 200k. I have suggested that she invest 10% or a...
by Copernicus
Sun Jun 19, 2016 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: UK investing platforms for Vanguard funds
Replies: 16
Views: 869

Re: UK investing platforms for Vanguard funds

So true, livesoft! I am hoping someone in the UK responds citing their own experience with costs and service.
by Copernicus
Sun Jun 19, 2016 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: UK investing platforms for Vanguard funds
Replies: 16
Views: 869

Re: UK investing platforms for Vanguard funds

Thank you, Livesoft. I had recently posted some general questions about UK investing, for which I received tons of information. I had read wiki on this at that time. That was very useful! However, I did not come across this particular aspect. The strategy and the basic decisions are made, and now it...
by Copernicus
Sun Jun 19, 2016 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: UK investing platforms for Vanguard funds
Replies: 16
Views: 869

UK investing platforms for Vanguard funds

I live in the US, but I am advising a friend in UK who is venturing into passive index investing investing. In UK, if one is not seeking advice or help in managing investments, and making own investments into VG funds, do the platform houses still charge a fee based on total assets? What are the bes...
by Copernicus
Thu May 26, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: UK Passive Index Investing Advice
Replies: 6
Views: 500

Re: UK Passive Index Investing Advice

I am very grateful for the replies by TedSwippet, Valuethinker, and johng!! There is so much useful information, and a lot of it is still rather perplexing to me! I plan to work with this person first on couple of short-term actions to get them to see that there is a world of good options outside of...
by Copernicus
Tue May 24, 2016 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: UK Passive Index Investing Advice
Replies: 6
Views: 500

UK Passive Index Investing Advice

A family friend in UK told me how she has neglected personal finance all these years, and asked me for advice. I wish to introduce her to passive investing, BH style. I have read the wiki article and other posts on UK investing. I never lived in UK. I do not know the passive index UK vehicles and br...
by Copernicus
Tue May 24, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: 2 Big Companies merging = no severance package?
Replies: 24
Views: 2269

Re: 2 Big Companies merging = no severance package?

I used to work for big companies and experienced two acquisitions. Never heard of any company giving 1 mo severance for each year of employment. Please check again. Also, check change of control severance policies. Every company has these for 'in case there is a merger or acquisition. Never heard (e...
by Copernicus
Sat Apr 09, 2016 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab funds/ETFs as substitutes for Vanguard funds
Replies: 6
Views: 657

Re: Schwab funds/ETFs as substitutes for Vanguard funds

I would compare ERs when deciding whether to pay the purchase fee, especially if you are holding for 5+ years. The funds listed above have a minimum of $50,000, so $76 is only 0.15%. If the Vanguard Admiral fund ER is .04 less than the competing fund then the VG fund is still cheaper over 5 years. ...
by Copernicus
Sat Apr 09, 2016 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab funds/ETFs as substitutes for Vanguard funds
Replies: 6
Views: 657

Re: Schwab funds/ETFs as substitutes for Vanguard funds

HYS PIMCO 0-5 Year High Yield Corporate Bonds 0.55% PHB PowerShares Fundamental High Yield Bonds 0.50% HYMB SPDR® Nuveen S&P High Yield Municipal 0.45% CXA SPDR® Nuveen Barclays California Municipal 0.20% Thank you, Theoretical! I had browsed the Schwab site until I found HYS, but by that time,...
by Copernicus
Sat Apr 09, 2016 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Schwab funds/ETFs as substitutes for Vanguard funds
Replies: 6
Views: 657

Schwab funds/ETFs as substitutes for Vanguard funds

I have all accounts in Schwab. I am interested in the following funds as long term investments (5-10 years). I find Schwab fund searching tools very misleading and confusing! High yield corporate bonds VWEAX High yield tax exempt VWALX California long term tax exempt VCLAX Could anyone please recomm...
by Copernicus
Sat Apr 09, 2016 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Foreign earned income exclusion
Replies: 24
Views: 1524

Re: Foreign earned income exclusion

It does sound too good to be true! You have to consult and expert attorney for this; but here is what I had understood when I took a job abroad 20 years ago. The answer would depend on whether / and what kind of tax treaty exists between the other country and the US. For example, if a person gets pa...
by Copernicus
Mon Feb 15, 2016 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Swapping International ETFs
Replies: 5
Views: 430

Re: Swapping International ETFs

I think the main pitfall is that you will not be able to tax-loss harvest the VEU and VSS that you have in your taxable account without creating a wash sale if you buy soon thereafter. livesoft, Thank you! Any comment on wash sale rule and swapping between VB and VBR? I figure they are different en...
by Copernicus
Sun Feb 14, 2016 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Swapping International ETFs
Replies: 5
Views: 430

Swapping International ETFs

Two-three years ago, new to BH approach, I had invested the following percentages in international index ETFs: VEU 9% of total (taxable+ tax-deferred)portfolio VGK 3.5% VPL 3% VSS 3.7% I had read that these markets do (may) not move in sync. I had thought that I would use VGK, VPL, VSS as 'factors' ...
by Copernicus
Tue Feb 02, 2016 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: RMD (Required minimum distributions)
Replies: 17
Views: 1801

Re: RMD (Required minimum distributions)

If you think either of these is a big enough problem to worry about then doing a Roth conversion in your current tax bracket would be a better choice than skipping the contributions just because you are afraid of higher future taxes. If you expect a lot of your IRA to go to your estate someday then...
by Copernicus
Sat Jan 30, 2016 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: RMD (Required minimum distributions)
Replies: 17
Views: 1801

Re: RMD (Required minimum distributions)

Artsdoctor wrote:Continuing to contribute to your IRA will still wind up being a pretty good deal, especially if there's a match.


This is an excellent point!
by Copernicus
Sat Jan 30, 2016 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: RMD (Required minimum distributions)
Replies: 17
Views: 1801

Re: RMD (Required minimum distributions)

I'm not sure of what your concern is. When RMDs are required you can always take out more than the RMD. Conversely, if the RMD is more than what you need for expenses you can always put it into a taxable account. There may be a reason that one would want to reduce contributions to a tax deferred ac...
by Copernicus
Fri Jan 29, 2016 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: RMD (Required minimum distributions)
Replies: 17
Views: 1801

RMD (Required minimum distributions)

Have good amount saved in IRA already. How can I calculate future RMD from an IRA to decide whether it is better to continue or stop 401k contributions now? Is there a calculator online that I could use?
by Copernicus
Fri Jan 29, 2016 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: son just starting out
Replies: 19
Views: 1791

Re: son just starting out

Morik wrote:At 20 years old, assuming he doesn't have plans to retire before 50 or 60, I'd personally put 100% of it in stocks.
But he should tailor to his willingness to bear risk. (Anywhere from 80% stocks/20% bonds up to 100% stocks should be fine)


+1
by Copernicus
Thu Nov 19, 2015 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Family Trust designed to divide
Replies: 15
Views: 3054

Re: Family Trust designed to divide

bsteiner wrote:
However, sometimes you get what you pay for. Or, more precisely, you may or may not get what you pay for, but you won't get what you didn't pay for.


bsteiner,

If there is a capable out-of-state attorney that I like, can a California trust be made by that out-of-state attorney?
Thank you.
by Copernicus
Mon Nov 09, 2015 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Family Trust designed to divide
Replies: 15
Views: 3054

Re: Family Trust designed to divide

You can make whatever provisions you want for the children. Most of our clients provide that the trustees have discretion to distribute the income and principal of a child's trust to or for the benefit of the child and the child's issue (children, grandchildren, etc.) Usually the child gets control...
by Copernicus
Sun Nov 08, 2015 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Family Trust designed to divide
Replies: 15
Views: 3054

Re: Family Trust designed to divide

Adding to bsteiner's comments You may not think you are going to hit the current limits, but depending on how far away you may be, a run of good investment returns might push you over the limit. ....... So true! Thanks. ........ If your trust holds only mutual funds/ETFs at a single broker, then th...
by Copernicus
Sun Nov 08, 2015 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Family Trust designed to divide
Replies: 15
Views: 3054

Re: Family Trust designed to divide

If the original poster had gone to a different lawyer (who might have charged more than the lawyer who drafted the trust in question), the trust might have contained the necessary flexibility so that after the first spouse's death, the trustees of the credit shelter (bypass) trust would have had th...
by Copernicus
Thu Oct 29, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: Heart pacemaker patient forum
Replies: 3
Views: 418

Heart pacemaker patient forum

Does anyone know a good forum of patients sharing experiences with pacemakers? Thank you!
by Copernicus
Wed Oct 28, 2015 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Family Trust designed to divide
Replies: 15
Views: 3054

Re: Family Trust designed to divide

On further review, are you just questioning the attorney's advice to restate the trust? Gill Gill, Yes, I am wondering whether it is worth restating trust now? or leave it for the inheritors to deal with what seems like some extra work of filing two taxes, and related expenses. There will be more c...
by Copernicus
Wed Oct 28, 2015 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Family Trust designed to divide
Replies: 15
Views: 3054

Family Trust designed to divide

State: California Trustees: Two spouses, Trust was made in 2008. Total current assets: Below individual allowable exclusion amount (AEA), and not sure that will grow above the allowable exclusion amount (AEA) limits -- but trust was made with the hope of avoiding hassles and estate taxes. Mandatory ...
by Copernicus
Fri Aug 14, 2015 5:59 pm
Forum: Personal Consumer Issues
Topic: Carry on luggage
Replies: 96
Views: 10898

Re: Carry on luggage

Make sure to measure dimensions INCLUDING wheels and strap since the manufacturers only list the dimensions of the container, while the airline makes you fit the carry-on in that box they keep at the gate!! Some airlines send you back before going through security to check in a bag that does meet re...
by Copernicus
Fri Aug 14, 2015 5:56 pm
Forum: Personal Consumer Issues
Topic: Actuary - Managed Care Actuary vs Insurance Company Actuary
Replies: 4
Views: 642

Actuary - Managed Care Actuary vs Insurance Company Actuary

A friend has MS Statistics degree, and passed the first actuarial exam (P). Looking into jobs. Location: Columbus, Ohio. - Can someone shed light on what career options would be good for this friend? - How does "Managed Care Actuary" in a Hospital compare with "Property and Casualty A...
by Copernicus
Thu Jun 04, 2015 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Buying a condo in earthquake-prone area?
Replies: 27
Views: 2378

Re: Buying a condo in earthquake-prone area?

And not all earthquake insurance in California is pricey. My earthquake insurance is quite reasonable. I'm not exactly sure why this area is rated as the lowest possible risk in CA when there are so many fault lines nearby, but I'm not going to argue with the price. The annual premium is less than ...
by Copernicus
Wed Jun 03, 2015 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a condo in earthquake-prone area?
Replies: 27
Views: 2378

Re: Buying a condo in earthquake-prone area?

madbrain wrote:Seriously though, earthquake insurance is very unaffordable. Even if you had a single family home, you probably would skip on it due to the high cost and high deductible.

This is exactly what I have heard from owners of single family homes in NorCal.
by Copernicus
Sat May 02, 2015 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Joint Ownership in England
Replies: 9
Views: 637

Real Estate Joint Ownership in England

We are thinking of jointly owning a 'flat', that is, an apartment with an immediate family member in London. What US and UK regulations do we need to consider/abide by? Also, it would be appreciated if you provide comments from your own experiences in similar situation. (We will invest in the flat t...
by Copernicus
Mon Mar 30, 2015 2:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 38
Views: 7701

Re: San Jose, CA Area Bogleheads Chapter

There is no requirement or expectation on the part of Sweet Tomatoes for anyone to buy any food or beverages. Thank you both for organizing this! I plan to attend. Is it expected that those attendees who want to eat there should eat before/after 6:30 - 8:30? Or, is the room suitable for, and the gr...
by Copernicus
Sun Mar 29, 2015 10:16 pm
Forum: Personal Consumer Issues
Topic: Tree in the Yard
Replies: 9
Views: 1649

Re: Tree in the Yard

3 feet in diameter is HUGE for an ash tree. Did you mean circumference? (There are ash trees more than 20 years old in my neighborhood that are not even close to that big.) It is generally not a good idea to add a lot of soil around the root crown . One can tell if a tree needs water by observing t...
by Copernicus
Sun Mar 29, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: Tree in the Yard
Replies: 9
Views: 1649

Tree in the Yard

Planning landscaping, learning about trees; but somewhat confused/concerned by some things that might be 'elementary' to others. Have an Ash tree in front yard. It was planted about 20 years ago by previous owner. About 7-8 feet from the exterior front of the house, it is in the middle of the lawn. ...
by Copernicus
Mon Feb 09, 2015 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Sole proprietor or s-corp?
Replies: 5
Views: 684

Sole proprietor or s-corp?

I seem to have a somewhat unique situation. Most of my self-employment income is from a single client. I can not be sure that it will continue year-after-year at the same high level. If the client changes their business model, majority of my work could stop after a year or two. I do Not have unreimb...
by Copernicus
Fri Feb 06, 2015 5:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Francisco Bay Area Bogleheads?
Replies: 21
Views: 4416

Re: San Francisco Bay Area Bogleheads?

I would be interested. Venue suggestion: some place where searching parking does not take up an hour!
by Copernicus
Thu Feb 05, 2015 3:51 pm
Forum: Personal Consumer Issues
Topic: Can doctors charge more than co-pay?
Replies: 55
Views: 10289

Re: Can doctors charge more than co-pay?

Similar thing happens to me when the insurance covers a fixed percent of the final cost, like 80% or 50%, according to the care needed and the benefit plan I have subscribed to - minus deductible under my plan.
by Copernicus
Fri Jan 16, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: Options for calling the U.S. from International ?
Replies: 36
Views: 2841

Re: Options for calling the U.S. from International ?

If both phones download VIBER app, you can call FREE from one mobile phone to another anywhere in the world. You need to be in a free wifi zone though, which you can get either through home wireless modem area or in cafes or libraries, etc.

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