Search found 151 matches

by Copernicus
Thu May 26, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: UK Passive Index Investing Advice
Replies: 4
Views: 295

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: 4
Views: 295

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: 2107

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: 602

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: 602

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: 602

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: 1391

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: 400

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: 400

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: 1723

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: 1723

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: 1723

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: 1723

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: 1712

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: 2990

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: 2990

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: 2990

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: 2990

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: 386

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: 2990

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: 2990

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: 10384

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: 614

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: 2186

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: 2186

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: 626

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: 34
Views: 7265

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: 1606

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: 1606

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: 655

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: 4357

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: 9290

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: 2701

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.
by Copernicus
Fri Dec 19, 2014 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab online portfolio checkup tool
Replies: 6
Views: 1425

Schwab online portfolio checkup tool

I checked my portfolio using Schwab online portfolio checkup tools. I hold BSV and BND, which are shown to have international portion! BSV: about 13% and BND about 7.8 to 14% in different accounts! I think there are no international bonds in these ETFs. Does anyone have comments on the accuracy and ...
by Copernicus
Mon Nov 24, 2014 3:15 pm
Forum: Personal Consumer Issues
Topic: Back-up Drive - Local or Cloud? Which?
Replies: 33
Views: 4172

Back-up Drive - Local or Cloud? Which?

I have been backing up on a local hard drive. Personal files and important documents. 200 Gb total. I wonder whether others find it better to use local or online? Google Drive seems easy to use. Would appreciate comment on Google Drive experience, other better options, cost effectiveness, convenienc...
by Copernicus
Sat Nov 22, 2014 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Family Trust? Strategies for inheritance?
Replies: 6
Views: 1343

Family Trust? Strategies for inheritance?

In 2014, the current federal estate tax exemption is $5.34 million. If you are married, that amount is effectively doubled to $10.68 million. Before discovering BH, I made a family trust in 2008 because of all the hoopla I read about probate courts; although my net worth was, and still is well below...
by Copernicus
Sat Nov 22, 2014 1:23 pm
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 11477

Re: What percent "Boglehead" are you?

60%. found BH too late. had many individual stocks in portfolio with gains that i did not want to sell. new money went into index etfs.
All heritage stocks are large cap, so i took 14% small cap index positions to complement them and simulate the market (a trcik I leanrnt on this forum!) .
by Copernicus
Thu Nov 20, 2014 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Sole proprietor or other forms?
Replies: 10
Views: 1636

Sole proprietor or other forms?

I am a self-employed consultant. Currently sole proprietor. I did not consider forming LLC since only some work was trickling in. In the last 4-5 months, my work has increased substantially and consulting income is up to 60K this year. Next year, I project anywhere from 60 to 100K. Spouse works a re...
by Copernicus
Mon Oct 13, 2014 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - investment choices
Replies: 6
Views: 948

Re: Rebalancing - investment choices

So more than you asked for, but I don't think I really ever summarized how I got to where I am now. Kevin M: The whole commentary is really very useful! Thank you for taking the time! As I am completing my first year of BH-style investing, I realize that I am learning more while structuring my port...
by Copernicus
Mon Oct 13, 2014 11:20 am
Forum: Investing - Help with Personal Investments
Topic: FEZ - concentrated ETF
Replies: 4
Views: 746

Re: FEZ - concentrated ETF

I just found AIA that also appears interesting.
by Copernicus
Mon Oct 13, 2014 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - investment choices
Replies: 6
Views: 948

Re: Rebalancing - investment choices

Kevin M wrote: This isn't what I do now, but it formed the basis of the evolution into what I do now.
Kevin


Would you comment on why you stopped slice/dice and what you do now? Thank you.
by Copernicus
Mon Oct 13, 2014 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Losing money, please advise
Replies: 36
Views: 6002

Re: Losing money, please advise

what should i do? Given the original DCA is completely arbitrary, i am not sure what "rule" i should invoke to decide the next step!! Please help! :confused 1) stay the course and implement the 6 month DCA 2) change the DCA to 12 months 3) Postpone it my a month and reevaluate stay the co...
by Copernicus
Sun Oct 12, 2014 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - investment choices
Replies: 6
Views: 948

Re: Rebalancing - investment choices

Unless you are talking about significant sums of money in each account, it seems that the work to do all this rebalancing by sector would probably not be worth it. Laura Very true. Work and trading costs and taxes. That is why I was not suggesting using sector ETFs. However, I think it should be ea...
by Copernicus
Sun Oct 12, 2014 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - investment choices
Replies: 6
Views: 948

Rebalancing - investment choices

I have a BH portfolio for a year now, and currently in the process of first rebalancing. I am asking myself the following questions. Please comment: - It is known that value and growth segments do not grow at the same pace. So, even when both value and growth segments go up, they dont go up to the s...
by Copernicus
Sun Oct 12, 2014 11:40 am
Forum: Investing - Help with Personal Investments
Topic: FEZ - concentrated ETF
Replies: 4
Views: 746

Concentrated ETFs

Great suggestions! Thank you!
Any suggestions for concentrated ETFs for foreign equities (other than FEZ that I had found)?
by Copernicus
Sun Oct 12, 2014 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Losing money, please advise
Replies: 36
Views: 6002

Re: Losing money, please advise

Lot of good comments already from others. My two bits: - Build some experience in investing. When I was new to investing, I found it useful to move available money in 3 to 5 portions into new investments, once every month (called "dollar cost averaging" technique"). Moving all money i...
by Copernicus
Sat Oct 11, 2014 11:53 am
Forum: Investing - Help with Personal Investments
Topic: FEZ - concentrated ETF
Replies: 4
Views: 746

FEZ - concentrated ETF

I have a BH kind of portfolio. I want to tilt my portfolio slightly (no more than 2%) with megacap stocks, with the premise that in worsening economies, megacaps will have the financial wherewithal to continue to do well. But I do not want to buy either individual companies or buy ETF with hundreds ...
by Copernicus
Sat Jul 26, 2014 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing picture file size in kb
Replies: 14
Views: 884

Reducing picture file size in kb

Help! - I am trying to reduce file size of a few pictures from large kilobytes size to less than 12 kb. I tried the solutions suggested by goggled answers, but they just reduce the dimensions of the picture, not the kb. Current file formats are jpeg, tiff, etc.
by Copernicus
Sat Jul 26, 2014 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Have a million to transfer, thinking of doing 100% stocks
Replies: 38
Views: 4703

Re: Have a million to transfer, thinking of doing 100% stock

Trevor,

Have you considered any tax impact on inheritance? Or, is it total inheritance minus taxes=almost a mil?
by Copernicus
Sun Jul 13, 2014 12:57 pm
Forum: Personal Consumer Issues
Topic: Other forums of same high Quality?
Replies: 6
Views: 1685

Other forums of same high Quality?

I am always thrilled to visit BH forum as it is full of engaging posts with insightful conversations, conducted in very helpful yet polite manner! I am interested in similar forums for other kinds of topics. Is there a way to find top-rated forums on various interests? For example, I am interested i...

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