Search found 182 matches

by Copernicus
Mon Sep 05, 2016 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 403b - what am I missing?
Replies: 7
Views: 614

Re: Wife's 403b - what am I missing?

2016
Limit on employee contributions to 401k, 403b, or 457 plan $18,000
Limit on age 50+ catchup contributions to 401k, 403b, or 457 plan $6,000
by Copernicus
Fri Sep 02, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to compare a mega corp job offer to a startup's
Replies: 31
Views: 2614

Re: How to compare a mega corp job offer to a startup's

In general, I would say that you can not make a wrong decision either way: stay where you are or go to the small company. In the big company, I allocated about 40% of an employee's salary in my budget for the benefits they received including medical, company match, vacation, etc etc. In other words,...
by Copernicus
Fri Sep 02, 2016 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Job Ideas for a disabled MD
Replies: 17
Views: 1993

Re: Seeking Job Ideas for a disabled MD

Look into Pharma/Biotech R&D and also academic research labs. I am impressed by how much contribution medically trained professionals (who are not licensed physicians) can make in the development of new medications, clinical development, medical writing, drug safety surveillance, etc.! AND, at o...
by Copernicus
Thu Sep 01, 2016 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Take the loss and exit market?
Replies: 22
Views: 2932

Re: Take the loss and exit market?

You did the right thing, now do not change the course! When you can invest directly into a mutual fund with minimum initial investment, automate investments using Vanguard's service to invest directly from your bank account into Vanguard account on a monthly basis. This will eliminate emotions in in...
by Copernicus
Sun Aug 28, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Index Fund Timing ?? [Portugal]
Replies: 19
Views: 1258

Re: Index Fund Timing ?? [European resident]

I think it isn’t worth but if you think it’s cheaper to do as you said, and invest in ETF’s every six month I would do it. I would do the math but I’m not sure what are the calculations I should do, so if you could kindly explain it to me, I would do it myself and then post here the comparisons bet...
by Copernicus
Thu Aug 25, 2016 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Index Fund Timing ?? [Portugal]
Replies: 19
Views: 1258

Re: Index Fund Timing ?? [European resident]

I only have available Vanguard ETF’s no index fund’s. ETF’s are out of the question because the cheapest broker here costs 2€ plus 0,02% of the operation value, and since I will be investing every month index funds become cheaper I guess ? Dollar cost averaging does not have to be monthly, but more...
by Copernicus
Wed Aug 24, 2016 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's so so customer service
Replies: 71
Views: 8632

Re: Vanguard's so so customer service

I requested upgrade of my fund account to a brokerage account. They took more than a month after receiving my complete application in VG, before the account upgrade went into effect!
by Copernicus
Wed Aug 24, 2016 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Decisionmaker asking if we're in correct investment lineup
Replies: 12
Views: 1025

Re: Decisionmaker asking if we're in correct investment lineup

I wonder whether your company provides a matching contribution? If yes, that is a great incentive to start right away, in spite of the high expense ratios! Start socking away money now, while you make efforts to get less expensive funds in the program.
by Copernicus
Wed Aug 24, 2016 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Index Fund Timing ?? [Portugal]
Replies: 19
Views: 1258

Re: Index Fund Timing ?? [European resident]

Welcome to the forum! Congratulations on starting young, on the right track for long term investing! It appears that you would be investing relatively small amounts regularly, so the current level of the index should not matter much. Look up dollar cost averaging, if you have already not done so. ht...
by Copernicus
Wed Aug 24, 2016 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2366

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Assuming that you can not add new funds to readjust the AA. 1) It seems that you might be at the prime of your earning potential. If you think your tax rate may be higher in future than it is now, selling and paying taxes may not be such a bad idea. - Pay now, but lower than you would have to pay i...
by Copernicus
Sun Aug 21, 2016 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help on asset allocation
Replies: 7
Views: 491

Re: Help on asset allocation

Short-term investment Brokerage Account: $50k - short-term trading - No no on this site. High yield saving acct: $4.5mm - why has so much accumulated? Was this a windfall? [b]Timing I understand I shouldn't time the market. But given the record high of the current stock index, I like to execute my ...
by Copernicus
Sun Aug 21, 2016 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2366

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Going from 56% to 50% will give you great peace of mind, but I don't think it will affect your portfolio so much. Also, that 6% difference could come from any of your equity assets: large, international, small, whatever. Think of it this way: If an extra 6% in equities dropped 50%, then your portfo...
by Copernicus
Sun Aug 21, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2366

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Assuming that you can not add new funds to readjust the AA. 1) It seems that you might be at the prime of your earning potential. If you think your tax rate may be higher in future than it is now, selling and paying taxes may not be such a bad idea. - Pay now, but lower than you would have to pay i...
by Copernicus
Sun Aug 21, 2016 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2366

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Assuming that you can not add new funds to readjust the AA. 1) It seems that you might be at the prime of your earning potential. If you think your tax rate may be higher in future than it is now, selling and paying taxes may not be such a bad idea. - Pay now, but lower than you would have to pay in...
by Copernicus
Wed Jul 20, 2016 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: "Security freeze" to prevent credit fraud
Replies: 16
Views: 1143

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: 1143

"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: 35
Views: 3674

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: 841

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: 664

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: 591

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: 1874

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: 1874

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: 1874

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: 1191

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: 1191

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: 1191

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: 1191

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: 1191

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: 1191

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: 1191

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: 1191

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: 530

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: 530

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: 2368

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: 686

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: 686

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: 686

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: 1577

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: 447

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: 447

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: 1853

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: 1853

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: 1853

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: 1853

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: 1822

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: 3083

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: 3083

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: 3083

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: 3083

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: 432

Heart pacemaker patient forum

Does anyone know a good forum of patients sharing experiences with pacemakers? Thank you!

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