Search found 210 matches

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: 4223

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: 4223

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: 4223

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: 448

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...
by One Ping
Mon Jun 19, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Earliest/Latest date for making that first RMD a QCD
Replies: 10
Views: 448

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

Yup. No doubt. I will likely start the process within that first week after my 70½-th birthday.
by One Ping
Mon Jun 19, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Earliest/Latest date for making that first RMD a QCD
Replies: 10
Views: 448

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

AlanS, thanks for the detailed discussion and examples. While not exactly my situation, it's good to have additional examples to help understanding in the general case.
by One Ping
Mon Jun 19, 2017 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Earliest/Latest date for making that first RMD a QCD
Replies: 10
Views: 448

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

............................. 1) The first RMD must be taken during the calendar year you turn 70½, however, say for example, say you turn 70½ on 6/1. Can your first RMD be taken in that calendar year before you actually turn 70½ (5/31 or earlier) or do you have to wait until 6/1 or later? yes you ...
by One Ping
Mon Jun 19, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Earliest/Latest date for making that first RMD a QCD
Replies: 10
Views: 448

Earliest/Latest date for making that first RMD a QCD

I will be using my RMDs to make QCDs after I must start them at age 70½. I have 3 questions regarding the timing of the first RMD, and in this case the first QCD. 1) The first RMD must be taken during the calendar year you turn 70½, however, say for example, say you turn 70½ on 6/1. Can your first R...
by One Ping
Sun Jun 18, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Guyton-Klinger Portfolio Management Rule Confusion
Replies: 11
Views: 852

Re: Guyton-Klinger Portfolio Management Rule Confusion

siamond, wasn't this one was it? "Blanchett, David M., and Larry R. Frank Sr. 2009. “A Dynamic and Adaptive Approach to Distribution Planning and Monitoring.” Journal of Financial Planning 22 (4): 52–66." Not Klinger, but on a similar subject and in 2009. I've generally always liked the w...
by One Ping
Sun Jun 18, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Guyton-Klinger Portfolio Management Rule Confusion
Replies: 11
Views: 852

Re: Guyton-Klinger Portfolio Management Rule Confusion

I would suggest you focus on more recent writings of theirs, like this article from Jonathan Klinger in 2009. William J. Klinger in 2007 . LOL, you're perfectly right, thank you! I actually had in mind to quote another Klinger article from 2009, but couldn't find it anymore. Oh well. I do wish the ...
by One Ping
Sun Jun 18, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Guyton-Klinger Portfolio Management Rule Confusion
Replies: 11
Views: 852

Re: Guyton-Klinger Portfolio Management Rule Confusion

I would suggest you focus on more recent writings of theirs, like this article from Jonathan Klinger in 2009. William J. Klinger in 2007 . It seems pretty flimsy that they could just vanish it into thin air without a trace after publishing on it. Why is that? That's what happens sometimes when furt...
by One Ping
Thu Jun 15, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Curious to odd estate question
Replies: 88
Views: 4729

Re: Curious to odd estate question

It's an interesting mind game. Any idea that includes the word "pay" or "buy" would seem to violate the OP's constraints. Whoever you are paying or buying from benefits! " . . . so no one ( person, institution, Government, Church, Charity ) can benefit from them" Presum...
by One Ping
Tue Jun 13, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11810

Re: Who takes financial chances and why is this forum so financially conservative?

triceratop wrote:Real mathematical programmers use Fortran. :twisted:

I resemble that remark! :sharebeer
by One Ping
Tue Jun 13, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: which hedge fund does Paul Merriman use?
Replies: 13
Views: 1256

Re: which hedge fund does Paul Merriman use?

And I especially appreciate his "per company" 401k recommendations. This got me started. I was searching for information about Megacorp's plan. I found his recommendations, then read lots of the other materials on his site. That got me going about developing an overall plan. Only later di...
by One Ping
Sun Jun 11, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: couple questions about SSA (67 vs 70) and breakeven points
Replies: 20
Views: 1627

Re: couple questions about SSA (67 vs 70) and breakeven points

Any info anyone can provide on my previous question (regarding whether the PIA will continue to rise due to inflation alone or due to wage increases or both)? Thanks. Yes, your PIA is subject to cola increases. To the extent a new years annual wages is higher than the lowest of your previous 35 hig...
by One Ping
Sat Jun 10, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Fourth (and final) report of my bike ride from Amsterdam to Passau
Replies: 2
Views: 318

Re: Fourth (and final) report of my bike ride from Amsterdam to Passau

Sounds like a wonderful trip. Thanks for sharing.

One Ping
by One Ping
Tue Jun 06, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Bug in the online SS benefit calculator?
Replies: 17
Views: 1163

Re: Bug in the online SS benefit calculator?

Looks like Januarys (Januaries?) and age 70 are the sweet spots--less delay in picking up all of your delayed credits. Yes. We don't really need SS right now so the plan is to wait until 70. However, if we were to decide to claim before then (just for grins :) let's say), we would do it in January....
by One Ping
Tue Jun 06, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Bug in the online SS benefit calculator?
Replies: 17
Views: 1163

Re: Bug in the online SS benefit calculator?

Does the following help? Hmm. I don't see the relevance. So far, I prefer whaleknives' theory that the calculator is rounding off claiming ages to 6 month intervals. SScritic's provided reference gives a clue. The last line in the quoted text mentions that something (what?) does not happen until Ja...
by One Ping
Sun Jun 04, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Third report from my bike tour from Amsterdam to Passau
Replies: 6
Views: 666

Re: Third report from my bike tour from Amsterdam to Passau

Raybo, I really appreciate the little clues you provide in your narrative that help pin down a little closer the route(s) you are following. Hope you are having fun! :beer I actually track my tour with an app called, surprisingly, trackMyTour! You can see my current route here: Amsterdam To Passau ...
by One Ping
Sat Jun 03, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Third report from my bike tour from Amsterdam to Passau
Replies: 6
Views: 666

Re: Third report from my bike tour from Amsterdam to Passau

For those following Raybo, I've tried to decipher his route using clues in his narrative and Google Maps in bicycle mode. For better or worse here is what I have for his first three posts ... First Report Amsterdam to Aachen Second Report Aachen to Clervaux Clervaux to Baden-Baden Third Report Baden...
by One Ping
Thu May 25, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate the top of the 15% bracket?
Replies: 23
Views: 2324

Re: How to calculate the top of the 15% bracket?

livesoft wrote:If you go over, what happens?

Exactly. Not that serious ...

If your taxable income goes over the top of the 15% bracket by $100 you only end up paying $10 more in tax because you ended up in the 25% bracket instead of being ending up in the 15% bracket.
by One Ping
Wed May 24, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Problems With Formulaic Value Investing
Replies: 2
Views: 617

Re: Larry Swedroe: The Problems With Formulaic Value Investing

nedsaid wrote:Pretty much machines beat man. Depressing.

Happening a lot these days ...
https://www.wired.com/2016/01/in-a-huge ... ame-of-go/
by One Ping
Wed May 24, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 13571

Re: i am my own "guy," but not sure I should advertise that

frugalecon wrote:"My guy is an older dude named Jack Bogle."

I like this! This is going to be my 'stock' answer from now on. I would only add ... "He's been doing this for years."

If they recognize the reference, then we can have a longer conversation. :wink:

One Ping
by One Ping
Fri May 19, 2017 10:53 pm
Forum: Investing - Theory, News & General
Topic: Interesting conversation with an alleged SS actuary
Replies: 63
Views: 5102

Re: Interesting conversation with an alleged SS actuary

billfromct wrote:I would think that SS benefits would be adjusted by sex since women live longer; just like life insurance actuarial tables take sex into account for annuity payments, etc.

You might think that... but you would be wrong, benefits are not adjusted for sex.
by One Ping
Fri May 19, 2017 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14941

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

The consequence is going to be less money to spend on yourself ... Maybe, but in his case his DB pension + SS (@ 62) are probably $90K/yr. You are right, he will have less to spend on himself, from a cash flow perspective, doing it his way ... but he won't be hurting. :happy And good for him! Sound...
by One Ping
Fri May 19, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14941

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

NiceUnparticularMan wrote:The consequence is going to be less money to spend on yourself ...

Maybe, but in his case his DB pension + SS (@ 62) are probably $90K/yr. You are right, he will have less to spend on himself, from a cash flow perspective, doing it his way ... but he won't be hurting. :happy
by One Ping
Fri May 19, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: If You Can't
Replies: 25
Views: 1625

Re: If You Can't

I think it's safe to say the 100% stock usually has higher returns. But I don't think that's what you are really asking. Are you saying 100% stock has higher returns, even after factoring in rebalancing? Yes, and it's not just me saying it. Vanguard did a study of various rebalancing strategies (pe...
by One Ping
Fri May 19, 2017 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14941

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

The point is Social Security deferral can be a good idea if you don't need the money right away, which is presumably because you have lots of other savings. I agree, NUM. However, I have a 58 yo friend who is single, has a sizable (non-COLA'd) pension, has way more than enough money to defer to 70,...
by One Ping
Tue May 09, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: SS question
Replies: 11
Views: 1250

Re: SS question

Seems like the operative phrase in HueyLD's reference link is (emphasis added) ...

SSA wrote:"If you remarry, you generally cannot collect benefits on your former spouse's record unless your later marriage ends (whether by death, divorce or annulment)."

So it would seem she could.
by One Ping
Sat May 06, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard CSV file of fund performance history
Replies: 16
Views: 1290

Re: Vanguard CSV file of fund performance history

Thanks all for the input on this. What I'm really trying to get at (maybe poorly stated) are the components of Total Return: i.e., Growth (NAV increase/decrease) and Distributions (e.g., CG distributions and dividends). Maybe it's not a very sophisticated way of looking at it, but it's simple enough...
by One Ping
Thu May 04, 2017 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard CSV file of fund performance history
Replies: 16
Views: 1290

Re: Vanguard CSV file of fund performance history

KevinM - Didn't mean to seem like I was ignoring your comment, I really wasn't. I just hoped to be able to get all the info from Vanguard. Your approach is indeed a viable way to do it.
by One Ping
Thu May 04, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard CSV file of fund performance history
Replies: 16
Views: 1290

Re: Vanguard CSV file of fund performance history

FactualFran wrote:
One Ping wrote: ... and there are instances where the data from Yahoo is not the same as the data from Vanguard.

Ah, that's what I was afraid of ...
by One Ping
Wed May 03, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard CSV file of fund performance history
Replies: 16
Views: 1290

Re: Vanguard CSV file of fund performance history

The complete price history of Vanguard funds are available through the Vanguard web site for Institutional Investors. Do the following ⋅ Open https://institutional.vanguard.com/web/cf/inst-investor-home/#/ ⋅ Click on the search icon (magnifiying glass image) near the top right c...
by One Ping
Tue May 02, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Suspending Social Security Benefits- Will be 66 in June
Replies: 12
Views: 1397

Re: Suspending Social Security Benefits- Will be 66 in June

I am a little younger (not much younger :happy ), and have not studied options lately, but one of my options is: Husband file and suspends at 66 Wife takes spousal at 66... This part no longer is permitted. File & Suspend is now a dead strategy... Thank you...I was aware of the changes, but am ...
by One Ping
Tue Apr 18, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes- okay to just drop in the mail today??
Replies: 29
Views: 3266

Re: Taxes- okay to just drop in the mail today??

If you had walked into my office on March 26, I'd have told you we will be preparing an extension at the outset. (I generally prepare extensions on everything coming in after March 20). Rushing to get returns out the door by Apr 18 is silly and risky. An extension is only an extension to file, not ...
by One Ping
Sat Apr 15, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to Avoid Tax Refund Being Seized
Replies: 37
Views: 4495

Re: How to Avoid Tax Refund Being Seized

testing321 wrote:Designate your 2016 over payment to go to next year's estimated tax and then reduce your withholding by an appropriate amount.

:idea: This sounds like the best idea so far, to me.
by One Ping
Fri Apr 07, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Claiming Social Security
Replies: 7
Views: 925

Re: Claiming Social Security

You might try the Bedrock site. http://www.bedrockcapital.com/ssanalyze/

I've found it provides insight into one's options.

One Ping
by One Ping
Wed Apr 05, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Thoughts on bicycle route from Amsterdam to Passau, Germany
Replies: 15
Views: 1434

Re: Thoughts on bicycle route from Amsterdam to Passau, Germany

Are you planning a similar (quasi-real-time?) travelogue this time? For those of who can't do what you do it's great to take the trip/follow along vicariously. One Ping It all depends if I have time when sitting around after or before a day's ride. I kept up with it for a while in Italy but slow wi...
by One Ping
Thu Mar 30, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Social secuity after divorce
Replies: 7
Views: 984

Re: Social secuity after divorce

These are helpful: . . . The [spousal] benefits do not include any delayed retirement credits your ex-spouse may receive. Just to clarify. This not only applies to divorced spouses but to those still married also. I believe a divorced spouse can still file for only the spousal benefit ... This woul...
by One Ping
Wed Mar 29, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Thoughts on bicycle route from Amsterdam to Passau, Germany
Replies: 15
Views: 1434

Re: Thoughts on bicycle route from Amsterdam to Passau, Germany

Raybo, I can't help you with Amsterdam, but I wanted to thank you for the pictures you posted from your Italy trips. I took the time last year to view all of the photos. For anyone that wants to see some great pictures of Italy, check out Raybo's site. :happy Ditto!! I loved following your route th...
by One Ping
Wed Mar 22, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: Motif Investing Implementation of Ultimate Buy and Hold
Replies: 26
Views: 3089

Re: Motif Investing Implementation of Ultimate Buy and Hold

How would this be different from Fidelity's "basket" trading feature? A quick look (i.e., I could be wrong) seemed to indicate that only stocks can be bought in a Fidelity 'basket'. Also it seems your initial allocation options are quite restricted. How do I allocate my basket? Allocation...
by One Ping
Sun Mar 05, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Restricted Application
Replies: 26
Views: 2441

Re: Social Security Restricted Application

I'm in a similar position. :) Just to be abundantly clear, and trying to leave no room for doubt, how about using this language (dates chosen arbitrarily for this example): “This is a Restricted Application to file for my Spousal Insurance Benefit (SIB) ONLY. I am allowed to file this Restricted App...
by One Ping
Mon Feb 27, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: How to Rebalance with Rate Hikes Looming
Replies: 49
Views: 9424

Re: How to Rebalance with Rate Hikes Looming

I haven't rebalanced in a while, so my portfolio is getting rather stock heavy. So I am looking to sell some of my stock index and shore up my bond holdings to bring my allocation back into balance. My dilemma is that the Fed is telegraphing as many as three rate hikes this year. I'm trying to figu...
by One Ping
Fri Feb 17, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Special Needs Trust Administration
Replies: 4
Views: 393

Re: Special Needs Trust Administration

Bump.

I'd be interested in hearing about Vanguard Trust Administration also.
by One Ping
Thu Feb 16, 2017 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: How Long to Keep Medical Insurance EOB Statements?
Replies: 13
Views: 1484

Re: How Long to Keep Medical Insurance EOB Statements?

If you have sufficient Med expenses to qualify for deductions, you probably need to hand onto them. Likewise if you have HSA and may be asked for proof. Otherwise, we dump ours after we look to see that they appear correct or at the end of the calendar year. This sounds reasonable to me. Thanks. :b...
by One Ping
Thu Feb 16, 2017 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: How Long to Keep Medical Insurance EOB Statements?
Replies: 13
Views: 1484

Re: How Long to Keep Medical Insurance EOB Statements?

No HSA, we're retired. Good thought about taxes, though.

I wonder if they should be held onto for 7 years to substantiate medical expense deductions?
by One Ping
Thu Feb 16, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: How Long to Keep Medical Insurance EOB Statements?
Replies: 13
Views: 1484

How Long to Keep Medical Insurance EOB Statements?

DW & I just transitioned to Medicare + a Medicare Supplement plan for our health insurance. We've been getting inundated with paper explanation of benefit statements in the mail for several months now. Any idea on how long we should hang on to these things? Any reason to hang on to them once the...
by One Ping
Wed Feb 08, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: New Book: The Physics of Wall Street by James Weatheralll
Replies: 12
Views: 2274

Re: New Book: The Physics of Wall Street by James Weatherall

inbox788 wrote:"A human studying atoms is really just atoms trying to understand themselves"

Or, as Carl Sagan said:
"We are a way for the cosmos to know itself."

One Ping

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