Search found 863 matches

by Rager1
Fri Jul 21, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Am I getting good advice - replace the AC, not the 21 year old furnace
Replies: 30
Views: 2034

Re: Am I getting good advice - replace the AC, not the 21 year old furnace

I was in a similar situation years ago. I decided to only replace the A/C at the time. Later, when I had to replace the heating system, I discovered it would have been more cost effective doing both at the same time.

At 21 years old, I'd spring for it all at the same time.

Ed
by Rager1
Mon Jul 17, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Basic Question on I bonds
Replies: 11
Views: 1078

Re: Basic Question on I bonds

You can cash in I-Bonds after 1 year, but you must give up 3 months interest unless you have held them for 5 years. As mentioned, the rate changes every 6 months from the month you purchased them. And, you can effectively get back 2 of those 3 months by purchasing I Bonds at the end of the month, a...
by Rager1
Wed Jul 12, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Dissolving Ric-E Trust
Replies: 48
Views: 4933

Re: Dissolving Ric-E Trust

All, This thread has been very informative, thanks for all of the info! My wife and I were notified a couple months back that her grandmother had setup one of these in 1999! It has not even doubled in value in 18 years! Money put into the market in 1999 would not have been expected to double. Unfor...
by Rager1
Sun Jul 09, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Vanguards assistance in setting up small business simple IRA
Replies: 12
Views: 800

Re: Vanguards assistance in setting up small business simple IRA

New to forum Recently I have found that being self employed I can contribute more than minimum 6500 to our Ira funds being 58 this is the time to try and catch up and reduce our taxable income. I figure we can each my wife and I put 15k plus company match of 3% of salary I think? Does anyone have a...
by Rager1
Tue Jun 13, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Hell
Replies: 66
Views: 8041

Re: Trust Fund Hell

I just assisted a friend who transferred everything to Vanguard from a UBS account. UBS took exit fees (of course) and when the holdings were sold at Vanguard, the mutual funds cost $35 each and the stocks and ETFs were $7 each. My friend came in to Vanguard at the Voyager level so total costs from ...
by Rager1
Sat May 13, 2017 2:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 106
Views: 25956

Re: Master thread for Washington DC Area Bogleheads

We look forward to attending. Thanks for the coordination.

Ed (and Patti)
by Rager1
Sun Jan 01, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: 2017 I-bond purchases - buy now or wait until May?
Replies: 10
Views: 2813

Re: 2017 I-bond purchases - buy now or wait until May?

How about hedge your bet and purchase half now and half later.

Ed
by Rager1
Sat Dec 17, 2016 2:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 106
Views: 25956

Re: Master thread for Washington DC Area Bogleheads

Bob,

I'm so sorry to hear about Andrew's death. He will be missed and remembered. Thank you for sharing his story with the larger Boglehead community.

Ed
by Rager1
Wed Dec 14, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employee
Replies: 5
Views: 1154

Re: Highly Compensated Employee

According to the IRS, here is the definition of HCE for 2016: Highly Compensated Employee - An individual who: Owned more than 5% of the interest in the business at any time during the year or the preceding year, regardless of how much compensation that person earned or received, or For the precedin...
by Rager1
Mon Dec 05, 2016 9:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Conference 2017?
Replies: 34
Views: 5136

Re: Boglehead Conference 2017?

We're currently working on the arrangements for the 2017 Boglehead Conference. More information will be posted as the plans are firmed up. Stay tuned around the end of the first quarter of 2017.

Ed
by Rager1
Fri Nov 11, 2016 4:59 am
Forum: Investing - Theory, News & General
Topic: Shark Tank's Kevin O'Leary creates ETF
Replies: 45
Views: 6180

Re: Kevin O'Leary Fund

Anyway, he says that "Over the last 40 years, 70% of the market’s returns came from dividends, not capital appreciation". I don't know what he considers the "Market", but the SBBI data (from Ibbotson Associates) for the 70 years ending in 2014 for the S&P500 shows the follow...
by Rager1
Wed May 25, 2016 11:59 am
Forum: Investing - Theory, News & General
Topic: Can I just let my money compound now?
Replies: 51
Views: 6875

Re: Can I just let my money compound now?

So...I'm 25 with a little over 100k saved and in a target fund. Is it safe to say that I could potentially not save another dime and be in decent shape in 30 years? Not saying I'm going to do this, just curious. Let's assume that you're going to earn 5% annually and inflation runs at 2% annually. I...
by Rager1
Wed May 25, 2016 9:32 am
Forum: Investing - Theory, News & General
Topic: Can I just let my money compound now?
Replies: 51
Views: 6875

Re: Can I just let my money compound now?

So...I'm 25 with a little over 100k saved and in a target fund. Is it safe to say that I could potentially not save another dime and be in decent shape in 30 years? Not saying I'm going to do this, just curious. Let's assume that you're going to earn 5% annually and inflation runs at 2% annually. I...
by Rager1
Sun Apr 10, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: My current bicycle tour in Italy
Replies: 39
Views: 4906

Re: My current bicycle tour in Italy

I drove the Amalfi Coast about 3 years ago. There's no way I'd do it on a bicycle!!

Have a great time....but be safe.

Ed
by Rager1
Sat Jan 30, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Puzzling math - Fed Tax on paycheck
Replies: 3
Views: 724

Re: Puzzling math - Fed Tax on paycheck

Page 44 of the following publication will answer your question.

https://www.irs.gov/pub/irs-pdf/p15.pdf

Ed
by Rager1
Sat Jan 23, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds
Replies: 27
Views: 3582

Re: I Bonds

Golfview wrote:When do I Bonds make sense to own for a long term investment?


When you want to invest in a safe, tax-deferred, free from state and local taxes vehicle that never goes down in value, and keep up with inflation.

Ed
by Rager1
Thu Dec 24, 2015 2:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You
Replies: 60
Views: 6484

Re: My Christmas Gift to You

Taylor,

Thanks for your Christmas gift to us. It's our pleasure knowing you and we wish you a very Merry Christmas and Happy New Year.

Ed and Patti
by Rager1
Sat Dec 19, 2015 10:36 pm
Forum: Investing - Theory, News & General
Topic: Comparing Index Fund Costs at Various Companies?
Replies: 4
Views: 698

Re: Comparing Index Fund Costs at Various Companies?

Fat-Tailed Contagion wrote:Hi Bogleheads,

Is anyone aware of a simple spreadsheet comparing index fund costs at the various companies?

I'd be interested in seeing the match-up.

Thanks,

FTC


Try the FINRA Fund Analyzer:

http://apps.finra.org/fundanalyzer/1/fa.aspx

Ed
by Rager1
Fri Dec 11, 2015 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with "lost" tax return
Replies: 18
Views: 2022

Re: how to deal with "lost" tax return

Ouch, thought I would call one last time before I re-sent, and to see if certified/registered whatever should go to a different address than the PO Box normally specified. They now tell me it was stamped as "received" on Oct 1 (3 days after I mailed it) but only sent for "processing&...
by Rager1
Tue Dec 08, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with "lost" tax return
Replies: 18
Views: 2022

Re: how to deal with "lost" tax return

I sent in my state tax refund over 2 months ago (after filing for an extension in the spring) and I haven't received my refund. Phone calls to the state DoR result in "we haven't received it, that's all we know, sorry". They say all I can do is to send it in again. (I guess I don't need t...
by Rager1
Mon Dec 07, 2015 2:33 pm
Forum: Investing - Theory, News & General
Topic: How can my friend check out a financial advisor?
Replies: 10
Views: 1664

Re: How can my friend check out a financial advisor?

Yes, check out the FINRA BrokerCheck link below:

http://brokercheck.finra.org/

Ed
by Rager1
Sun Nov 29, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: I received 'Money' magazine for free. Anyone read it?
Replies: 40
Views: 5622

Re: I received 'Money' magazine for free. Anyone read it?

I no longer subscribe to Money Magazine but discovered the Bogleheads in the 2001 article by Jason Zweig titled "Here Come the Bogleheads". That article ended up changing our lives by introducing us to this amazing group of people. https://www.bogleheads.org/forum/viewtopic.php?t=147217 Ed
by Rager1
Thu Nov 19, 2015 10:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard Group On Pace For Record Inflow
Replies: 31
Views: 4509

Re: "Vanguard on Pace For Record Inflows"

41% is actually quite high it seems. I think a part of this is that any international fund that is hedged is destroying their benchmark. 79% of international funds are beating VTIAX this year. I don't think there is a way to separate out currency hedged versus no hedge. According to the S&P Ann...
by Rager1
Sun Nov 15, 2015 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Tired of big bank fees - I'm looking at you BofA
Replies: 30
Views: 3251

Re: Tired of big bank fees - I'm looking at you BofA

We've used Vanguard's Advantage Account for years. No fees, no fuss, no problems.

https://personal.vanguard.com/us/help/FAQVAAContent.jsp


Ed
by Rager1
Thu Nov 05, 2015 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor evaluation
Replies: 28
Views: 3491

Re: Financial Advisor evaluation

Hi, Jack 098, Welcome the the forum. To put some numbers on it, assume you have $100,000 invested for 20 years earning 6% compounded annually. If your cost is .25%, you'd lose $14,800 to costs over that 20 year period. If your cost is 1.25%, you'd lose $67,700 to costs---357% more. So you need to de...
by Rager1
Wed Oct 21, 2015 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: More advice for BigLaw Survivor, please?
Replies: 180
Views: 20730

Re: More advice for BigLaw Survivor, please?

How realistic is this plan? How might you modify it? What am I missing? Thanks. One issue to consider is that your tax deferred accounts will continue to grow during the next 16 years (and beyond) when you'll reach age 70. This post states that your deferred accounts are currently valued at $2,248,...
by Rager1
Wed Oct 07, 2015 7:13 am
Forum: Investing - Theory, News & General
Topic: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now
Replies: 39
Views: 8063

Re: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now

Last call for questions for the Panel of Experts.

See you all next week.

Ed
by Rager1
Tue Oct 06, 2015 8:21 am
Forum: Investing - Theory, News & General
Topic: Market history is calling, and it's saying stock performance will be [poor] for another ~10 years
Replies: 35
Views: 6870

Re: Market history is calling, and it's saying stock performance will be [poor] for another ~10 years

knpstr wrote:Humans are pattern seeking animals. Often finding them where they do not exist.


Looks like you may have read Bill Bernstein's, "If You Can: How Millennials Can Get Rich Slowly".

Ed
by Rager1
Sat Oct 03, 2015 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Accumulation As A Percentage Of W2
Replies: 3
Views: 402

Re: Accumulation As A Percentage Of W2

We track our invested assets as a percentage of lifetime income. Since net worth includes things like equity in real estate, etc., we decided to focus on invested assets as more important to us than net worth (although we track both). Fortunately, we keep track of our tax information so it's easy to...
by Rager1
Tue Sep 22, 2015 10:32 am
Forum: Investing - Theory, News & General
Topic: Active Management for International investing?
Replies: 14
Views: 1451

Re: Active Management for International investing?

My question: Is investing internationally an area where active management makes sense? Take a look at Report 6 on the bottom of page 10 from the S&P Scorecard for the period ending 2014: You'll find: Global Funds, International Funds, International Small Cap Funds, and Emerging Market Funds and...
by Rager1
Tue Sep 22, 2015 8:34 am
Forum: Investing - Theory, News & General
Topic: Response from vendor after asking for index funds like vanguard.
Replies: 29
Views: 3002

Re: Response from vendor after asking for index funds like vanguard.

Hope you had a nice weekend and thanks for your email. We are in the process of looking at getting access to R shares in the 403(b) Aspire product. This would eliminate the front load sales charge associated with A shares. I will certainly keep you posted of any changes that might interested you. I...
by Rager1
Sun Sep 20, 2015 11:52 am
Forum: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 106
Views: 25956

Re: Master thread for Washington DC Area Bogleheads

David G. won't be joining us today. At the first day of his two day bridge tournament yesterday, he qualified for the second day. Congrats David. :beer Although I've got to say I'm not the least bit surprised. :wink: And good luck today. :thumbsup Best, Bob Hi Bob, I'm also not surprised that David...
by Rager1
Mon Sep 14, 2015 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: AGI, capital gains, and income interaction?
Replies: 11
Views: 1530

Re: AGI, capital gains, and income interaction?

#Cruncher,

Once again, your willingness to share your expertise on this Board is amazing! I always look forward to anything that you post.

Thank you!

Ed
by Rager1
Wed Aug 19, 2015 1:38 pm
Forum: Investing - Theory, News & General
Topic: Greenspan: we've got a bond bubble, Houston
Replies: 71
Views: 7624

Re: Greenspan: we've got a bond bubble, Houston

The scenario where there is a rapid spike in rates and equities flounder or fall would be a big spike in inflation. I don't see why this would be true. The causal order is usually the reverse: a spike in inflation followed by a rise in rates. I think Rick wrote about this a while back, pointing out...
by Rager1
Sun Aug 02, 2015 4:47 pm
Forum: Investing - Theory, News & General
Topic: State Taxes and Total Bond
Replies: 8
Views: 1249

Re: State Taxes and Total Bond

Beginning with 2016 I expect to have a year or two of zero employment income after being a top rate payer for several years. So on Jan 1 2016 I may trade out of my various Vanguard muni funds into some combination of Total Bond and LT Treasury. My biggest tax issue in 2016 should be state taxes - w...
by Rager1
Sun Jul 26, 2015 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: help with my investing direction.. errrr, I'm with Ram-it James
Replies: 21
Views: 1674

Re: help with my investing direction.. errrr, I'm with Ram-it James

Take a look at pages 5-7 on Fisher's ADV-2A Part II form:

http://www.adviserinfo.sec.gov/Iapd/Con ... _ID=328350

Their fee structure is spelled out.

Ed
by Rager1
Sun Jul 26, 2015 3:53 pm
Forum: Investing - Theory, News & General
Topic: How Does Vanguard Calculate YTD Performance for Bond Funds?
Replies: 6
Views: 971

Re: How Does Vanguard Calculate YTD Performance for Bond Funds?

The Security and Exchange Commission (SEC) provides rules and regulations governing how mutual funds report their performance numbers.

The details are spelled out in Item 26 (pages 32-36) from the SEC instructions:

https://www.sec.gov/about/forms/formn-1a.pdf

Ed
by Rager1
Fri Jul 24, 2015 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: E-Statement Alert Gone for Chase Credit Card
Replies: 46
Views: 3592

Re: E-Statement Alert Gone for Chase Credit Card

Folks, I just got hit with a late fee on my Chase credit card. How [(removed) --admin LadyGeek] could this happen?? Then, I realize that I never receive an e-mail from chase that my e-statement is available in July. My process for paying chase credit card is 1) Receive e-mail alert 2) Down load e-s...
by Rager1
Thu Jul 23, 2015 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: The Good the Bad and the Ugly of real estate
Replies: 87
Views: 15663

Re: The Good the Bad and the Ugly of real estate

Thanks for sharing your experience and IRR with rental properties. So even with the tax breaks over the time, was it the maintenance/upkeep that cancelled the tax savings? I'm interested in what items/events lead to the IRR turning negative. Did you do much of the maintenance yourself or outsource ...
by Rager1
Wed Jul 22, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: The Good the Bad and the Ugly of real estate
Replies: 87
Views: 15663

Re: The Good the Bad and the Ugly of real estate

I am hoping to create a thread that will discuss people's experiences with real estate investing. If you have any experience on this subject either good or bad or ugly, please share it with us so that we can learn from your experience. Thank you, In September, 1985, we decided to purchase some rent...
by Rager1
Tue Jul 21, 2015 8:44 am
Forum: Investing - Theory, News & General
Topic: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now
Replies: 39
Views: 8063

Re: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now

Don't forget, if you have a question for the Panel of Experts this year, submit them here.

Ed
by Rager1
Mon Jul 06, 2015 6:13 pm
Forum: Investing - Theory, News & General
Topic: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now
Replies: 39
Views: 8063

Re: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now

There must be a few more questions for the Panel of Experts out there.

Submit them here.

Ed
by Rager1
Sun May 31, 2015 7:29 am
Forum: Investing - Theory, News & General
Topic: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now
Replies: 39
Views: 8063

Re: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now

Be sure that your questions get answered at this year's Boglehead Conference. Just reply to this post.

Ed
by Rager1
Wed May 27, 2015 5:36 am
Forum: Investing - Theory, News & General
Topic: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now
Replies: 39
Views: 8063

Questions for the Panel of Experts@Boglehead Conference?--Post Here Now

Bogleheads, I’m honored that I will be moderating the question and answer sessions with the Panel of Experts at the 2015 Boglehead Conference. The Expert Panel members (in alpha order) are authors Christine Benz, Dr. Bill Bernstein, Rick Ferri, Mel Lindauer, Mike Piper, Allan Roth, and former Vangua...
by Rager1
Sat Jan 03, 2015 12:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's best fund: Healthcare?
Replies: 60
Views: 10996

Re: Vanguard's best fund: Healthcare?

We owned the Healthcare Fund for many years (in a tax-deferred account) and were pleased with it's performance. However, we decided to sell the fund, and others, to simplify our portfolio and moved to the Total Stock Market index.

Ed
by Rager1
Thu Dec 25, 2014 8:04 am
Forum: Investing - Help with Personal Investments
Topic: How is Ibond cash out reported to IRS on taxes
Replies: 4
Views: 773

Re: How is Ibond cash out reported to IRS on taxes

For the first time ever, I sold I-bonds in 2014, and I'm not sure how it's reported to the IRS on my returns. Will I get a 1099 from the treasury? Or do I just list it as interest received? Tax free at the state level as I understand it. Help would be appreciated. You will receive a 1099-INT from t...

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