Search found 256 matches

by One Ping
Mon Oct 16, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security payouts vs. "estimated benefits" online
Replies: 36
Views: 1918

Re: Social Security payouts vs. "estimated benefits" online

TL:DR all responses AFAIK (I think I'm correct here) If you are making more than the maximum now, they assume you will continue to make more than the maximum until reach your FRA. How much more isn't relevant. Between now and FRA, if you have some years where you make less than the maximum, your ben...
by One Ping
Wed Oct 11, 2017 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Do I lose NUA if I quit my job?
Replies: 7
Views: 752

Re: Do I lose NUA if I quit my job?

Thanks, very helpful scrabbler1. I didn't anticipate the possibility that the plan design might impact the answer. I assumed only IRS rules would drive the outcome. This is very true. My megacorp plan allowed certain things to be done at retirement and not others. Drove a colleague of mine nuts whe...
by One Ping
Tue Sep 26, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Journal of my ride across Western Europe
Replies: 9
Views: 1218

Re: Journal of my ride across Western Europe

Thanks, Raybo!

I really enjoy following your rides and then reading your journals + photographs afterwards. Almost like being there ... almost :happy .

One Ping
by One Ping
Tue Sep 12, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries for taxable and non-taxable accounts
Replies: 23
Views: 2548

Re: Beneficiaries for taxable and non-taxable accounts

Thoughts, comments, criticisms on this approach? Any other alternatives I'm missing? One Ping Have you considered establishing a living trust and just retitling all accounts (and other assets) into the trust? This is what many do who are concerned with cognitive decline and the other issues you men...
by One Ping
Tue Sep 12, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries for taxable and non-taxable accounts
Replies: 23
Views: 2548

Re: Beneficiaries for taxable and non-taxable accounts

I would ask Vanguard what kind of account would serve your purposes. There are several kinds of joint accounts. But I think possibly the first rep was misinformed. Good thought. I'll try again. Upon the death of a co-owner of a JWROS account, the account should become an individually owned account ...
by One Ping
Mon Sep 11, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries for taxable and non-taxable accounts
Replies: 23
Views: 2548

Re: Beneficiaries for taxable and non-taxable accounts

I would ask Vanguard what kind of account would serve your purposes. There are several kinds of joint accounts. But I think possibly the first rep was misinformed. Good thought. I'll try again. Upon the death of a co-owner of a JWROS account, the account should become an individually owned account ...
by One Ping
Mon Sep 11, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries for taxable and non-taxable accounts
Replies: 23
Views: 2548

Re: Beneficiaries for taxable and non-taxable accounts

So, how does (can?) POD work in the case of a joint taxable account where the joint owners die at different times. When the first co-owner dies, the account belongs to the other co-owner. After both of them have died, the account belongs to the beneficiaries. That's what I thought/hoped for. Unfort...
by One Ping
Mon Sep 11, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries for taxable and non-taxable accounts
Replies: 23
Views: 2548

Re: Beneficiaries for taxable and non-taxable accounts

So, how does (can?) POD work in the case of a joint taxable account where the joint owners die at different times. When the first co-owner dies, the account belongs to the other co-owner. After both of them have died, the account belongs to the beneficiaries. That's what I thought/hoped for. Unfort...
by One Ping
Mon Sep 11, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries for taxable and non-taxable accounts
Replies: 23
Views: 2548

Re: Beneficiaries for taxable and non-taxable accounts

Sorry for the zombie thread. I have a question about naming of joint taxable account heirs. These heirs would be our nieces and nephews. For taxable accounts, ... You can ... name individuals directly as payable on death (POD) beneficiaries . Kevin So, how does (can?) POD work in the case of a joint...
by One Ping
Thu Aug 31, 2017 6:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17040

Re: Is Bogelheads getting less interesting?

Not to inflate anyone's ego, but I still find posts by names such as SimpleGift (always seem to be interesting research (s)he's doing, and subsequent discussion is stimulating), bobcat2 (I enjoy his discussions of liability-matching)... I am pleased that you have mentioned bobcat2. His discussions ...
by One Ping
Thu Aug 31, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 36211

Re: Michael Kitces 4% rule podcast on Madfientist

The problem was that he buried it in the notes ( that makes it easier to sell annuities ), not in the summary. ^ +1 You have to be careful when reading things to consider the source (emphasis added). With apologies to Mr. Sinclair ... “It is difficult to get a man to understand explain something, w...
by One Ping
Wed Aug 30, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Who should I ask about Social Security?
Replies: 10
Views: 1174

Re: Who should I ask about Social Security?

You might try playing around with this calculator - Bedrock Capital SSAnalyze

I've found it to provide pretty reliable results most of the time.
by One Ping
Mon Aug 21, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: Is this an appropriate letter to send a neglectful attorney?
Replies: 19
Views: 2230

Re: Is this an appropriate letter to send a neglectful attorney?

How about copying the state bar association when you send the letter to the attorney?
by One Ping
Mon Aug 21, 2017 7:16 pm
Forum: Investing - Theory, News & General
Topic: Managing Sequence of Return Risk - Ben Carlson
Replies: 5
Views: 1202

Re: Managing Sequence of Return Risk - Ben Carlson

They don't call it exponential growth for nothing. :happy :moneybag
by One Ping
Mon Aug 21, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14941

Re: How far would you travel to see The Eclipse?

Walked to the front yard. Pretty underwhelming and was expecting it to be more. From what I see there is definitely two camps of people. Those that think it was awesome and those that yawn and go back to real life. In Portland you only got 99%. The difference is everything. Put it this way... a par...
by One Ping
Sun Aug 20, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: MUST my employer ensure I do not over-contribute to my 401k?
Replies: 10
Views: 1644

Re: MUST my employer ensure I do not over-contribute to my 401k?

The way it worked with my megacorp when I was working was that once my tax deferral limit was reached my remaining contributions were "after-tax" and the corporate match stopped. "Excess contributions" weren't returned, they were just after tax with no match. What happened if the after-tax limit wa...
by One Ping
Sun Aug 20, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: MUST my employer ensure I do not over-contribute to my 401k?
Replies: 10
Views: 1644

Re: MUST my employer ensure I do not over-contribute to my 401k?

The limited is imposed on the employer. They can either prevent it from happening in the first place or they can correct it by returning the excess within a deadline after it happens, or they will get fined/penalized for violation if the violation is found in audit. The true-up match or annual prof...
by One Ping
Fri Aug 18, 2017 11:59 pm
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 82
Views: 5891

Re: Home Page Updated

Apologies. I have enabled pinch-zoom (user scaling is enabled). Thanks LadyGeek. That helps a little ... I like the format on my iPad. It just doesn't work as well on my android phone. I noticed on the iPad that one can hide the explanation/descriptions at the top of the page (more/less) but that b...
by One Ping
Fri Aug 18, 2017 11:16 pm
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 82
Views: 5891

Re: Home Page Updated

LadyGeek wrote:
Fri Aug 18, 2017 11:13 pm
Does rotating the phone in landscape mode help?
Not much ... still not a very friendly display to my eyes.
by One Ping
Fri Aug 18, 2017 11:10 pm
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 82
Views: 5891

Re: Home Page Updated

Wow. Not a fan of the new layout on a mobile device (phone screen). With pinch to zoom/shrink disabled it's extremely difficult to see the list of posts in any coherent way. Have to scroll left to right to make sense of anything and now it seems almost every topic name takes multiple lines which mak...
by One Ping
Thu Aug 17, 2017 3:50 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 60386

Re: Forum software upgrade bug reports and change requests

When I scroll to the bottom of a topic page, there is a link to go back to topic index, but it appears there is not a link to go back to the main board index. In hte past I recall there were 2 links ... one to the board index, and one to the main page index (that which you get from clicking the lin...
by One Ping
Thu Aug 17, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Active or Indexed for Optimal Risk Management
Replies: 16
Views: 1040

Re: Active or Indexed for Optimal Risk Management

I also chuckled at this comment from the MS guy: " Selling stocks in anticipation of an unpredictable major event is risk management. " How does anyone anticipate something that's unpredictable? Yup. This in itself would be enough for me to have had a good laugh and tell him the he clinched the dea...
by One Ping
Tue Aug 15, 2017 10:46 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 60386

Re: Forum software upgrade bug reports and change requests

Ah, I see. Thanks.

Not as convenient as having it at the bottom of the page, but it does get you there. So does the 'back' button on your browser but again ... not as convenient.
by One Ping
Tue Aug 15, 2017 10:30 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 60386

Re: Forum software upgrade bug reports and change requests

What happened to the "Home" button at the bottom left of the thread pages? There is just a "Board Index" button there now, but no "Home" button. I found being able to go directly from a thread page back to the home page extremely useful. I thought it was there right after the update, but now it's go...
by One Ping
Mon Aug 14, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 1105

Re: Filing Restricted SS Application - Language Check

ChrisC wrote:
Mon Aug 14, 2017 4:12 pm
We're all probably guilty of overthinking this situation.
Prolly so ... :sharebeer
by One Ping
Mon Aug 14, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule A Tax Modeling for 2017 >age65
Replies: 9
Views: 918

Re: Schedule A Tax Modeling for 2017 >age65

Often we give/take advice to do tax planning using the previous year's tax software. I want to model the effects of some much larger than usual 2017 potential deductions on Schedule A. This presents a challenge since there will be a significant change in the 2017 Schedule A calculation compared to ...
by One Ping
Mon Aug 14, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 1105

Re: Filing Restricted SS Application - Language Check

They called me about some extraneous matter and mentioned in passing what my benefit amount was going to be. It was my full FRA amount! I've forgotten what they called about, but It surely would have been mess if I had not found this out until the first check came. JW Hmmm .... Maybe as a general r...
by One Ping
Sun Aug 13, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: US Social Security Income Benefit For Non-Citizen?
Replies: 11
Views: 1461

Re: US Social Security Income Benefit For Non-Citizen

It's not from the SSA, but this page has some leads maybe Surprising Facts About Noncitizens and Benefits Apparently, "Being a U.S. citizen isn't a requirement for receiving Social Security. According to the Social Security Administration, noncitizens who are "lawfully in the United States and meet ...
by One Ping
Sun Aug 13, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 1105

Re: Filing Restricted SS Application - Language Check

The Wizard wrote:
Sun Aug 13, 2017 8:14 pm
Go in person, if possible.
I filled restricted for Divorced Spouse two years ago and it worked fine...
I'll call tomorrow and see how far out they are booking, just in case. Thanks.
by One Ping
Sun Aug 13, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 1105

Re: Filing Restricted SS Application - Language Check

I think your statement looks fine. Last year I filed my restricted application online, and used the following statement: "I wish to exclude Retirement benefits from the scope of this application. I wish for my restricted spousal benefit to begin in May, my birthday month. I do not wish to begin my ...
by One Ping
Sun Aug 13, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 1105

Re: Filing Restricted SS Application - Language Check

Maybe make it "exclude retirement benefits ON MY OWN RECORD from the scope...." https://maximizemysocialsecurity.com/how-do-i-file-restricted-application-spousal-benefits-only-online I thought about that, but the explicit language recommended in the POMS didn't reference "on my own record". I ultim...
by One Ping
Sun Aug 13, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 1105

Re: Filing Restricted SS Application - Language Check

I'm getting ready to file sometime in the next several months a restricted application for my spousal benefit. I wanted to check the language I plan on using in the 'Remarks' box of the online application. I've researched several threads on the subject and have arrived at what I believe should cove...
by One Ping
Sun Aug 13, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 1105

Filing Restricted SS Application - Language Check

I'm getting ready to file sometime in the next several months a restricted application for my spousal benefit. I wanted to check the language I plan on using in the 'Remarks' box of the online application. I've researched several threads on the subject and have arrived at what I believe should cover...
by One Ping
Wed Aug 09, 2017 7:33 pm
Forum: Investing - Theory, News & General
Topic: news yesterday that Buffett has $100,000,000,000 in cash now
Replies: 65
Views: 8861

Re: news yesterday that Buffett has 100,000,000,000 in cash now

I read yesterday that Warren Buffett has now in cash $ 100,000,000,000. Berkshire Hathaway has $100M in cash ... not Buffet. Not the same thing. https://www.bloomberg.com/news/articles/2017-08-07/buffett-nears-a-milestone-he-doesn-t-want-100-billion-in-cash I hate to break it to everyone in this th...
by One Ping
Tue Aug 08, 2017 12:34 pm
Forum: Investing - Theory, News & General
Topic: news yesterday that Buffett has $100,000,000,000 in cash now
Replies: 65
Views: 8861

Re: news yesterday that Buffett has 100,000,000,000 in cash now

selftalk wrote:I read yesterday that Warren Buffett has now in cash $ 100,000,000,000.
Berkshire Hathaway has $100M in cash ... not Buffet. Not the same thing.
https://www.bloomberg.com/news/articles ... on-in-cash
by One Ping
Thu Jul 27, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Timing of 401K Rollover
Replies: 9
Views: 684

Re: Timing of 401K Rollover

Compared to an IRA, your assets are much more protected from lawsuit judgments in a 401k. I'm several years retired and leaving my 401k where it is indefinitely. (It is a good low cost plan so there is no down side.) JW ^^ ... This and this ... vv She may also want to leave the funds in her traditi...
by One Ping
Tue Jul 11, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 12574

Re: Paul Merriman: The One Fund Every Investor Should Own

This debating about past performance is a case of taking comments intended and meaningful to one context and misapplying them to a different context. That is what is going to happen as soon as one lowers complex discussions to the level of mantras (synonyms: slogan, motto, maxim, catchphrase, catch...
by One Ping
Tue Jul 11, 2017 12:55 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 12574

Re: Paul Merriman: The One Fund Every Investor Should Own

I think those who rest their case on the “past performance is no guarantee of future returns” mantra concentrate too much on the “ past performance ” part rather than the “ is no guarantee ” part. Guarantee is defined as: “a formal promise or assurance (typically in writing) that certain conditions ...
by One Ping
Mon Jul 03, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 12574

Re: Paul Merriman: The One Fund Every Investor Should Own

dbr wrote:Note Merriman does opt for a highly suspect 1/n fallacy where n = 10.
Sorry if this is clear to everyone else, but I'm not familiar with this terminology. Please help me out here ... what does this mean?
by One Ping
Mon Jul 03, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 12574

Re: Paul Merriman: The One Fund Every Investor Should Own

I don't think Paul Merriman says SCV is 100% definitely going to outperform the S&P 500 in the future but rather that there is the expectation that it will. Sometimes I think we take the past performance thing too far. After all if past performance doesn't guarantee future returns I don't see how o...
by One Ping
Wed Jun 28, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Reporting for In-Plan Conversion of After-Tax 401k Contributions to Designated Roth 401k
Replies: 9
Views: 676

Re: Tax Reporting for In-Plan Conversion of After-Tax 401k Contributions to Designated Roth 401k

OP here. I never thought of an in-plan 'move' (401k --> Roth 401k) as a rollover. I always thought of it as a conversion and thought of a 401k/Roth 401k --> IRA/Roth IRA as a rollover. Although the plan documentation is at best confusing. Extract from the SPD - "The Plan offers an in-plan Roth conve...
by One Ping
Wed Jun 28, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Reporting for In-Plan Conversion of After-Tax 401k Contributions to Designated Roth 401k
Replies: 9
Views: 676

Re: Tax Reporting for In-Plan Conversion of After-Tax 401k Contributions to Designated Roth 401k

Thanks, CppCoder.

Yes, I thought they wouldn't be reported on the 8606 because that was just for IRAs, but i wasnt sure where.

So, it gets rolled into and reported along with the other retirement income reported on 1099-R's, like pensions for example.

Thanks, again ... cheers :sharebeer
by One Ping
Wed Jun 28, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Reporting for In-Plan Conversion of After-Tax 401k Contributions to Designated Roth 401k
Replies: 9
Views: 676

Tax Reporting for In-Plan Conversion of After-Tax 401k Contributions to Designated Roth 401k

I am considering making an in-plan conversion of my 401k after-tax contributions to a designated Roth 401k account within the same plan. As I understand it from the plan documents and ‘help desk’, doing this will cause the pre-tax earnings on those after-tax contributions to also be converted to the...
by One Ping
Sat Jun 24, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Yahoo! Price Quote Update Not Working
Replies: 2
Views: 338

Re: Yahoo! Price Quote Update Not Working

Found it! From Bertilak (last November) Yeah, I know this has been discussed many times before. I have even solved this problem to my satisfaction but the solution depends on Yahoo's financial web page, specifically (for example) the following will get the latest quote for VTSAX. It can be used as a...
by One Ping
Sat Jun 24, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Yahoo! Price Quote Update Not Working
Replies: 2
Views: 338

Yahoo! Price Quote Update Not Working

I'm updating my asset allocation this morning and the spreadsheet where I pull the latest MF price quotes from Yahoo! isn't working. This is the function I'm using: =NUMBERVALUE(WEBSERVICE("http://finance.yahoo.com/d/quotes.csv?s="&B17&"&f=l1")) where cell B17 contains the ticker symbol. (& = ampers...
by One Ping
Wed Jun 21, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 5175

Re: Help with Guns in Estate [how to sell]

Yea guys, just a word of caution here for people that may be dealing with other family member's firearms that aren't well versed in their handling/custodianship. US gun laws are complex, and penalties can be severe for what many would consider to be a minor infraction. One dumb, innocent mistake an...
by One Ping
Wed Jun 21, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 5175

Re: Help with Guns in Estate [how to sell]

Wow! Thanks for the education iamlucky13 and whomever. I never thought much about it, but I never would have realized it would have neen this potentially complex. I expect my brother would have just 'tossed' it in the trunk or packed it in his airline bag (hopfully not carry-on! :oops: ) and headed ...
by One Ping
Wed Jun 21, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 5175

Re: Help with Guns in Estate [how to sell]

This thread has got me thinking about my own not too distant future ... When my father in AZ dies (he's 95 so probably not too far off now) my brother in WI will inherit the .22 handgun my dad inherited from his mother 45 or so years ago. This brings up a couple questions to me ... How can my brothe...
by One Ping
Mon Jun 19, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Earliest/Latest date for making that first RMD a QCD
Replies: 10
Views: 628

Re: Earliest/Latest date for making that first RMD a QCD

Well, it is clear that you want to donate 100k of QCDs in each year. But if these QCDs are less than your RMD, you also need to determine how much taxable income you want in each year for the excess amount. A QCD can be less than, equal to, or more than your RMD. Yes, 100k per year. That is substan...