Search found 3346 matches

by House Blend
Fri May 27, 2016 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Bond funds - help deciphering!
Replies: 26
Views: 934

Re: TIAA-CREF Bond funds - help deciphering!

BTW, have you learned that CREF funds don't have "yield"? All the income goes into the NAV. The bonds do have income, but it's hard to compare to a plain vanilla mutual fund without looking under the hood. That's not bad during work years, but it's confusing at 75. No, I actually wasn't a...
by House Blend
Fri May 27, 2016 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Bond funds - help deciphering!
Replies: 26
Views: 934

Re: TIAA-CREF Bond funds - help deciphering!

It always interests me when I learn from one of these posts that the investors involved have been spending a substantial amount of their "unchained" TIAA Traditional cash flow for living expenses. What are they planning to do after 9 years pass? If they had selected an annuitization, or a...
by House Blend
Fri May 27, 2016 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Bond funds - help deciphering!
Replies: 26
Views: 934

Re: TIAA-CREF Bond funds - help deciphering!

Speaking of expenses, their version of CREF stock has an expense ratio of .49, which is high in comparison to some of the other funds in their plan. Is there any reason not to use a 70/30 split of TCEPX (which tracks the Russell 3000) and TRIPX (which tracks the MSCI EAFE index) to replicate CREF s...
by House Blend
Thu May 26, 2016 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Forced use of automatic ACH withdrawals?
Replies: 18
Views: 1481

Re: Forced use of automatic ACH withdrawals?

Offer to pay a year up front, by check, and see if that changes their mind.
by House Blend
Thu May 26, 2016 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Bond funds - help deciphering!
Replies: 26
Views: 934

Re: TIAA-CREF Bond funds - help deciphering!

They have a substantial amount in TIAA Traditional, which makes up the bulk of their fixed income allocation, but they are on a 9 years and one day plan to move all of the money out of Traditional and into other things... FWIW, I don't see much point in that, but what's done is done. They currently...
by House Blend
Thu May 26, 2016 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: One More Vanguard Upgrade Hiccup: Unwanted Reinvestment
Replies: 11
Views: 1009

Re: One More Vanguard Upgrade Hiccup: Unwanted Reinvestment

I own some muni bond funds, and I noticed that the dividends came in recently. Strange, because they usually are paid on the last business day of each month. The fact that it happened now, rather than at the end of the month, has to do with what happens when you distribute or transfer all of a mutu...
by House Blend
Thu May 26, 2016 9:12 am
Forum: Personal Finance (Not Investing)
Topic: yet another backdoor roth ira question
Replies: 3
Views: 322

Re: yet another backdoor roth ira question

Even if it is not a taxable event, rolling money from an IRA to a non-IRA account will generate a 1099-R and is reported on your tax return. The total amount goes on line 15a of your Form 1040, and the taxable amount -- 0 -- goes on line 15b. The instructions for line 15 say: If you rolled over the ...
by House Blend
Tue May 24, 2016 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Roth convert/rechar to reallocate
Replies: 4
Views: 210

Re: Roth convert/rechar to reallocate

I take it that the bonds are in ETFs or are individual issues, not mutual funds. I could be wrong, but I believe that you would have to liquidate in order to do a Roth conversion. Otherwise, how would a custodian be able to report it on a 1099 without an actual market determination of the dollar val...
by House Blend
Tue May 24, 2016 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Planning my RMD
Replies: 12
Views: 1118

Re: Planning my RMD

I agree that the strategic details about when and from what don't matter much. A strict orthodox stay-the-course Boglehead might look at it this way: The asset class you take the RMD from is completely immaterial. You have an asset allocation, so you know how much belongs in each asset class, and wh...
by House Blend
Mon May 23, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: Is living in the Bay Area this difficult?
Replies: 49
Views: 7387

Re: Is living in the Bay Area this difficult?

Did someone mention earthquakes? This should not be overlooked. Quality of life will be impacted at some indeterminate time for an indeterminate length of time for anyone living in an active tectonic area. There are natural disasters available for almost any area of the U.S. but the Bay Area ranks ...
by House Blend
Mon May 23, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: Is living in the Bay Area this difficult?
Replies: 49
Views: 7387

Re: Is living in the Bay Area this difficult?

Did someone mention earthquakes? This should not be overlooked. Quality of life will be impacted at some indeterminate time for an indeterminate length of time for anyone living in an active tectonic area. There are natural disasters available for almost any area of the U.S. but the Bay Area ranks ...
by House Blend
Sun May 22, 2016 10:03 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1623
Views: 339619

Re: What Movie Have You Recently Watched?

Fantastic Lies , caught on Netflix. A documentary about the Duke Lacrosse team, conviction-by-media, and prosecutorial misconduct. This is an installment of the highly regarded ESPN 30 for 30 documentary series. The best efforts in this series dig deep into cultural and societal issues that transce...
by House Blend
Sat May 21, 2016 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Rollover - silly concern
Replies: 27
Views: 1703

Re: Rollover - silly concern

I could be wrong, but I believe that *all* *rollovers* from qualified plans to IRAs must be cash transactions, not in-kind. That doesn't preclude ACH or wire transfers, but liquidation is going to be required at some point. (Transfers from one IRA to another are a different story.) I once did a dire...
by House Blend
Sat May 21, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: IRA-to-Roth conversion in Vanguard
Replies: 23
Views: 1443

Re: IRA-to-Roth conversion in Vanguard

Thanks to all who have replied. So in future years I should also create a new Roth account for each conversion? Should you? Not necessarily. If you are a rate-chaser, slicer-dicer type who spends his leisure time reading IRS publications and working things out to 6 decimal places, then yes, you sho...
by House Blend
Fri May 20, 2016 10:42 am
Forum: Investing - Help with Personal Investments
Topic: VNQ in Taxable Account?
Replies: 11
Views: 902

Re: VNQ in Taxable Account?

For REIT exposure, I understand it's recommended to put VNQ in a retirement account because it's taxed as ordinary income but I don't have any retirement/tax advantaged accounts. Would it be better to just skip the exposure altogether or put it in a taxable account if those are the only two options...
by House Blend
Thu May 19, 2016 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to have 2 separate RMDs?
Replies: 9
Views: 921

Re: Ok to have 2 separate RMDs?

Yes, ideally she would consider doing a spousal rollover for both 401k accounts. However, it has been difficult to have her agree to this. In the end, we have agreed to keeping the TIAA-401k 'as-is' given the entire account is in TIAA-Traditional (RA) account with a nice guaranteed rate and this fi...
by House Blend
Thu May 19, 2016 10:16 am
Forum: Personal Finance (Not Investing)
Topic: ORP planner question
Replies: 5
Views: 491

Re: ORP planner question

I can't vouch for it myself, but fellow Boglehead BigFoot48 has mentioned in previous threads that he has a spreadsheet for Roth conversion decisions. Can't hurt to check it out.
by House Blend
Thu May 19, 2016 10:03 am
Forum: Investing - Theory, News & General
Topic: re-investing dividends in withdrawal phase taxable
Replies: 8
Views: 932

Re: re-investing dividends in withdrawal phase taxable

Hypothetical Example I have 100K in VTSAX using average cost basis, re-invested dividends, and set up an auto withdraw of $400 per month. I have small account at betterment, and they reinvest all dividends even if you are in a withdrawal phase/goal. Just wondering in these scenarios are you paying ...
by House Blend
Wed May 18, 2016 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: ORP planner question
Replies: 5
Views: 491

Re: ORP planner question

ORP is good for entertainment purposes but not much else. One of its shortcomings is that you are expected to pick an asset allocation (or glide path) for each of taxable, tax-deferred, and Roth. So if all of your bonds are in tax-deferred, and ORP tells you to convert all of tax-deferred to Roth, y...
by House Blend
Wed May 18, 2016 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Advice with Re-characterization of IRA
Replies: 10
Views: 531

Re: Advice with Re-characterization of IRA

-Another question just to be sure, is converting my tIRA the same exact meaning as re-characterizing my tIRA? -I will call up Vanguard and ask them to re-characterize my full tIRA back to my original Roth? Or is converting my tIRA to a Roth a different process? No. Recharacterization and conversion...
by House Blend
Wed May 18, 2016 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Advice with Re-characterization of IRA
Replies: 10
Views: 531

Re: Advice with Re-characterization of IRA

-Just so I can make sure I understand, for example if I amend my 2015 taxes and I am unable to deduct any tIRA amount due to me being in an employer sponsored plan and my MAGI being over the limit, then I will convert it to a Roth this year 2016 and pay no taxes on the 5,500 since I couldn't deduct...
by House Blend
Wed May 18, 2016 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawals
Replies: 14
Views: 1046

Re: Withdrawals

^I think it's up to you where you want to draw the line around your investment portfolio. You could put your cash account(s) inside or outside that line. Either way makes sense to me.
by House Blend
Wed May 18, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Seeking help with my mother's finances
Replies: 16
Views: 912

Re: Seeking help with my mother's finances

I think you have done a good job. I say this from the perspective of someone also managing his Mom's finances. I think the most important missing datum is: what level of income does she need to cover her new/increased expenses? If the $500K Vanguard account is producing a 2% dividend, that's $10K/ye...
by House Blend
Wed May 18, 2016 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawals
Replies: 14
Views: 1046

Re: Withdrawals

And that dividends, whether taken as cash or reinvested are not part of the equation when calculating withdrawal rate No! When talking about withdrawal rate from a portfolio, especially in regards to whether it is "safe" or sustainable, you absolutely must include dividends that are spent...
by House Blend
Tue May 17, 2016 11:55 am
Forum: Investing - Help with Personal Investments
Topic: My silly math skills
Replies: 25
Views: 1887

Re: My silly math skills

The fund's balance is now 27 percent higher than it was 9.5 years ago. 27 divided by 9.5 is 3. Does this mean that my L fund has grown an average of 3 percent per year each of the last 9.5 years? I know, my math skills are risible. Sad that no one seems willing to answer your question.[...] No, it ...
by House Blend
Tue May 17, 2016 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Early retirement: how to protect savings needed before age 59.5 against inflation?
Replies: 14
Views: 2303

Re: Early retirement: how to protect savings needed before age 59.5 against inflation?

It is possible to tap a trad IRA without penalty before age 59.5. See https://www.bogleheads.org/wiki/Substantially_equal_periodic_payments Consequently, I would not alter the asset allocation of my taxable account to lower downside risk or inflation risk for that specific account. Instead I would c...
by House Blend
Tue May 17, 2016 10:28 am
Forum: Investing - Help with Personal Investments
Topic: My silly math skills
Replies: 25
Views: 1887

Re: My silly math skills

The fund's balance is now 27 percent higher than it was 9.5 years ago. 27 divided by 9.5 is 3. Does this mean that my L fund has grown an average of 3 percent per year each of the last 9.5 years? I know, my math skills are risible. Sad that no one seems willing to answer your question. No, arithmet...
by House Blend
Mon May 16, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: Is it OK to leave home wifi on?
Replies: 55
Views: 3606

Re: Is it OK to leave home wifi on?

So the thought just hit me the other day - is there a security (or other) reason to shut down my wifi? Am I seeing my (smarter) neighbors powering theirs off for security reasons, or is it normal to not see all nearby networks all the time? I've always left mine on 24/7. Shrug. Mine's on 24/7. I al...
by House Blend
Wed May 11, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney issues
Replies: 11
Views: 1488

Re: Power of Attorney issues

Yes. There has been a lot of anger here about Vanguard being difficult with POA, but my limited experience (vicarious--my brother is the one with DPOA) has been that pretty much all institutions are obstructionist when it comes to recognizing POA. A recent experience: My brother started receiving du...
by House Blend
Tue May 10, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: 403b rollover question
Replies: 4
Views: 296

Re: 403b rollover question

However what I'm wondering is whether there is any benefit of leaving it in a 403b that she will be giving up by rolling it over? I want her to be able to weight out any pros and cons, and I think I know the "pros" already. If she does roll it over remember that you have to take the RMD o...
by House Blend
Mon May 09, 2016 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Interpreting relevant prospectus performance data
Replies: 5
Views: 381

Re: Interpreting relevant prospectus performance data

A. If you own this fund in an IRA, you only care about pre-tax. B. My understanding (this is probably an SEC regulation) is that "post tax" and "post-tax and sale" numbers assume that you are in the highest Federal tax bracket, and pay 0 state income tax. (I wonder if they are al...
by House Blend
Mon May 09, 2016 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable retirement investing
Replies: 19
Views: 1532

Re: Taxable retirement investing

Thanks for being unhelpful. From the tax tables the tax on 75,301 is 10,419. Is that your problem or is it something else beyond this $44 difference? And I'm assuming that the $50,000 of LTCG is in addition to the $75,301 of taxable income, not part of it. That interpretation would be consistent wi...
by House Blend
Fri May 06, 2016 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Contributed to Roth, but income may end up too high
Replies: 12
Views: 886

Re: Contributed to Roth, but income may end up too high

Thank you. i have an existing rollover IRA containing some pre-tax dollars. So what exactly would I be rolling into my existing 401k? You would roll all of that rollover IRA--if it is all pretax-- into your 401(k). It is explained well in the Finance Buff article I linked to. Do read it. By doing t...
by House Blend
Fri May 06, 2016 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Contributed to Roth, but income may end up too high
Replies: 12
Views: 886

Re: Contributed to Roth, but income may end up too high

TLH is a distraction that doesn't answer the OPs question. (And this distraction has also veered into the erroneous: harvested losses cannot cancel out dividends beyond the usual $3K. They can cancel out LT cap gains distributions , but Bogleheads should not own funds in taxable accounts that have s...
by House Blend
Thu May 05, 2016 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Should I completely fill the tax deferred space with taxable bonds before buying Munis in taxable account?
Replies: 24
Views: 2206

Re: Should I completely fill the tax deferred space with taxable bonds before buying Munis in taxable account?

Welcome to the forum. In your bracket, I don't think you need to completely fill tax-advantaged with bonds first. For one thing, it is useful to be able to do most of your rebalancing in tax-advantaged. Second, in your bracket, you are likely paying 18.8% on qualified dividends. With that plus 10.5%...
by House Blend
Thu May 05, 2016 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: VTMSX in IRA
Replies: 6
Views: 713

Re: VTMSX in IRA

There is nothing special about the name "tax-managed" for this particular fund. Yes there is--it means they are willing to deviate from the index if it can save on taxes. So with two funds that track the same index , a tax-managed Fund X with a higher ER, and a pure index Fund Y with a lo...
by House Blend
Thu May 05, 2016 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Keep same asset allocation in Trad IRA & Roth?
Replies: 4
Views: 487

Re: Keep same asset allocation in Trad IRA & Roth?

Limiting the discussion to tax-deferred vs. Roth: If you are a typical over-saving Boglehead, one reason to prioritize having faster growing assets in a Roth is that you won't actually be spending your RMDs--they'll be reinvested in a taxable account and subject to further tax drag. So having a high...
by House Blend
Wed May 04, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Should my Mom take a large distribution from her IRA before I inherit it?
Replies: 22
Views: 2330

Re: Should my Mom take a large distribution from her IRA before I inherit it?

Have her convert the entire amount, assuming the funds are available to cover the taxes on the conversion (although a conversion that large will almost definitely put her into higher brackets) at her current rate. Roth convert? Yes. Convert it all in one year? No. First, as NMjack notes, you have t...
by House Blend
Tue May 03, 2016 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvest or Roth conversion
Replies: 8
Views: 590

Re: Tax gain harvest or Roth conversion

Let me expand on pharmicist's point about crossovers. Say you have $10K of space to work with. A gain harvest of $10K saves you $1500 eventually, assuming that 15% is your future LTCG rate, and you sell/spend those shares eventually. If you don't spend those shares during your lifetime, gain harvest...
by House Blend
Mon May 02, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: [SOME!] VG Tax-Exempt Funds are exempt from the disallowance of losses on shares held less than 6-months
Replies: 10
Views: 1000

Re: VG Tax-Exempt Funds are exempt from the disallowance of losses on shares held less than 6-months

FYI: It appears to me that the new Tax-Exempt Bond Index Funds from Vanguard (VTEBX, VTEAX, and VTEB) are subject to the special rule about shares held less than 6 months. More detail in this post: https://www.bogleheads.org/forum/viewtopic.php?p=2890828#p2890828 Perhaps the thread title should be r...
by House Blend
Mon May 02, 2016 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Muni Funds ?
Replies: 11
Views: 1027

Re: TLH Muni Funds ?

FYI, this recent post by grabiner alerted me to the possibility that not all of Vanguard's muni funds are exempt from the 6 Month Rule. https://www.bogleheads.org/forum/viewtopic.php?p=2889416#p2889416 To recap, recall that the key feature that gets around the 6 Month Rule is that the fund declares ...
by House Blend
Mon May 02, 2016 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Hitting an investment crossroads
Replies: 21
Views: 2801

Re: Hitting an investment crossroads

Can you contribute enough to pretax plans to lower your tax bracket? This was a great thing to look at and helped seal the deal on getting out of the Roth 403b and 457 and into pretax. Doing so was able to keep me out of a higher tax bracket. Thanks for the suggestion. You may also discover that by...
by House Blend
Mon May 02, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: File an amended tax return, or just wait?
Replies: 5
Views: 383

Re: File an amended tax return, or just wait?

If I understand you correctly, this is a situation where you should have reported a positive amount on line 16a and 0 on 16b. And instead, you left both lines blank. In that case, I would not file an amended return. It doesn't change your current or future tax bills. If the IRS isn't happy or wants ...
by House Blend
Sun May 01, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Is this possible? [Reinvesting retirement account withdrawal funds]
Replies: 16
Views: 1232

Re: Is this possible? [Reinvesting retirement account withdrawal funds]

Suppose the RMD was 20k (and not 50k) and no other income exists (..or that the 20k includes RMD, dividend, interest, SS..) In the case of a MFJ, with standard deduction plus personal deduction for each spouse, would the tax man receive >Zero ? Zero. In addition, SS income is not taxable at all unl...
by House Blend
Sat Apr 30, 2016 10:33 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting: in rare occasions for the boglehead?
Replies: 17
Views: 1727

Re: Tax loss harvesting: in rare occasions for the boglehead?

What bugs me is the following: either these trades are between essentially similar assets that pass the letter (if not the spirit) of the tax law just enough not to be considered "wash" sales, or these trades are between assets that do differ in some substantial ways. But in the latter ca...
by House Blend
Sat Apr 30, 2016 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Conflicted about retirement withdrawal strategy
Replies: 11
Views: 2213

Re: Conflicted about retirement withdrawal strategy

The revised strategy is to draw from the tax-deferred account up to the the amount of tax deductions before hitting your taxable accounts. Don't do that. You shouldn't withdraw from tax-deferred just so that a tax bracket is filled. If filling that bracket is advantageous, then you should fill it b...
by House Blend
Sat Apr 30, 2016 9:22 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 661
Views: 103996

Re: Boglehead Beer

Tried Stone Imperial Stout last night. 2015 vintage. http://www.beeradvocate.com/beer/profile/147/1160/ Wow. Up to this point I would have picked Bell's Expedition Stout as my favorite imperial, but this was better. Dark as molasses, thick, chocolatey and raisiny. Might simply have been a result of ...
by House Blend
Fri Apr 29, 2016 3:28 pm
Forum: Investing - Theory, News & General
Topic: Foreign Tax Credit, Form 1116, Double Taxation
Replies: 16
Views: 1268

Re: Foreign Tax Credit, Form 1116, Double Taxation

From IRS Publication 514: Your foreign tax credit cannot be more than your total U.S. tax liability (Form 1040, line 44) multiplied by a fraction. The numerator of the fraction is your taxable income from sources outside the United States. The denominator is your total taxable income from U.S. and ...
by House Blend
Fri Apr 29, 2016 2:18 pm
Forum: Investing - Theory, News & General
Topic: Chart: Trying to Time the Market Can Cost You
Replies: 23
Views: 1922

Re: Chart: Trying to Time the Market Can Cost You

Morningstar says (see my link above): Total return measures the percentage change in price for a fund, assuming the investor buys and holds the fund over the time period, reinvests distributions, and does not make any additional purchases or sales. That, to me, seems to exclude periodic, regular in...
by House Blend
Fri Apr 29, 2016 12:55 pm
Forum: Investing - Theory, News & General
Topic: Chart: Trying to Time the Market Can Cost You
Replies: 23
Views: 1922

Re: Chart: Trying to Time the Market Can Cost You

I don't think they have enough information to properly assign blame for specific bad behaviors to individual investors. Agreed. 1. If a fund goes up 10% in a year and you invest a fixed amount each month, your return will be about 5%. On the face of it, it looks like you are chasing returns. In a r...

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