Search found 107 matches

by TBillT
Sun Apr 23, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Rght Bond fund/s when interest rates rise?
Replies: 26
Views: 1265

Re: Rght Bond fund/s when interest rates rise?

First of all, the reason you are holding bonds is they are counter-cyclic to stocks. So if you change that, you are moving from passive to managed investing. So let's talk about managed investing/guessing direction/balancing etc. One fund I like is the VG High Yield Corp Bond , very unique offering,...
by TBillT
Sun Apr 23, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Just left my company and exercised my options [invest now or DCA?]
Replies: 16
Views: 804

Re: Just left my company and exercised my options [invest now or DCA?]

Well we have to assume there is no need for the money. In that case, it is another DCA vs. lump sum thread, a topic which has several excellent recent threads and articles. In a somewhat similar position, I am using the funds for retirement income (day to day expenses) reduce debt (college loans of ...
by TBillT
Sun Apr 23, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Relatively "Safe" Place to Earn 2.5%-4%
Replies: 24
Views: 2911

Re: Relatively "Safe" Place to Earn 2.5%-4%

I am expecting CDs, money market funds, and agency bonds/TIPS (for a non-profit - I am also considering options for my organization, but we have less money). VWINX is one of my personal investment favorites, but it is a managed fund (not passive). The VG Life Strategy funds eg; 2020 are fairly close...
by TBillT
Sat Apr 22, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Taxation of Treasury Bills (Question)
Replies: 8
Views: 523

Re: Taxation of Treasury Bills (Question)

In addition to the interest, the TBill will have a change of market value to be taxed as cap gain or loss.
by TBillT
Fri Apr 21, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Do CDs make sense in an IRA
Replies: 4
Views: 592

Re: Do CDs make sense in an IRA

Yes sure, but now? I have done quite a few brokerage CD's in Fidelity. I have done both Callable and Non-callable. Callable I have no problem if I get good interest rate and they take it back. Usually I go for really good deals, and then I hope they do not call it, but if they do, OK move on. Non-ca...
by TBillT
Fri Apr 21, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 82
Views: 6185

Re: Did anything surprise you in your 2016 taxes?

Found out one account we had at Fidelity (small Fidelity annuity) does not seem to be captured when you download the Fidelity tax info, and we also did not seem to have hard copy 1099-R this year. I caught it, but this made me wonder about prior years, and now I have to do a 2014 correction.
by TBillT
Thu Apr 20, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: Transfer to Fidelity for Sign on Bonus?
Replies: 22
Views: 1789

Re: Transfer to Fidelity for Sign on Bonus?

Earl Lemongrab wrote: However, there's a good chance that they would apply it retroactively, otherwise you'd be likely to pack up and go to another custodian.
.


Fido said the frequent flyer incentive might be over, but it could not be retroactive. However, they gave me a future draft pick (some free trades).
by TBillT
Thu Apr 20, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA Withdrawal question
Replies: 6
Views: 368

Re: Traditional IRA Withdrawal question

Furthermore from posts here, I gather the 5 year rule on Roth IRA is often not too much of a burden the way they do it, you can generally take a lot out before that.
by TBillT
Thu Apr 20, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Energy (VGENX)
Replies: 18
Views: 1820

Re: Opinion on Vanguard Energy (VGENX)

I am not familiar with VGENX, but I am a bit of bear (selling myself) on fossil fuel energy as falling prices have been prescription for "losing shirts" in the energy area. Hope I am wrong but that's my sentiment. Of course I was over-subscribed, so I had a need to reduce exposure.
by TBillT
Thu Apr 20, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: Transfer to Fidelity for Sign on Bonus?
Replies: 22
Views: 1789

Re: Transfer to Fidelity for Sign on Bonus?

Their apparently soon to cease airline miles bonus on non-retirement accounts has been 50,000 miles on $100K. Valuing a mile a $.02 one could gain a 1% benefit and do it repeatedly. I would say some investors have gained a 3% or 4% bonus from Fidelity over the years compared to 0.25% on an IRA roll...
by TBillT
Thu Apr 20, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Should I roll out my portion of my pension???
Replies: 7
Views: 704

Re: Should I roll out my portion of my pension???

Is this the Pennsylvania State Employee Pension system for school employees etc.? I was going to post a question about that as I am trying to help a family member with retirement options. 4% return is excellent right now...I'd certainly be tempted to hold for a while until I had a better idea. Where...
by TBillT
Mon Apr 17, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: Stable value funds as interest rates rise
Replies: 40
Views: 2399

Re: Stable value funds as interest rates rise

I am a fan of SV funds, and we just probably saw their heyday out-shining money market funds by a wide margin from 2008 until 2015 or so. In part due to declining SVFund payout, I finally rolled over my workplace 401k last year. We still own one 401K with T Rowe Price SVF which has been one of the b...
by TBillT
Mon Apr 17, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 19
Views: 4150

Re: Bill Sharpe's preferred portfolio

Interesting I have half a mind to try his approach.
Would this approach be appropriate inside an tIRA vs. rIRA?
Does it make any difference?
by TBillT
Mon Apr 17, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Self-Employed IRA Accounts
Replies: 27
Views: 1107

Re: Help with Self-Employed IRA Accounts

I have to let a tax expert comment. I only use SEP IRA intermittently for my own SE income.

As far as your spouse, the main thing is to totally understand her plan and discover the tax advantaged or investment options (if any) that you might be missing. It's fun to have a spouse plan to optimize.
by TBillT
Mon Apr 17, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investment or DCA?
Replies: 25
Views: 1256

Re: Lump sum investment or DCA?

Well I hear what they say about lump sum, but my DIY approach is slower dabbling. I am happy Vanguard Prime MM is getting into 1% range as that is a place to sit. I've had such a hard time seeing good "buys" these days, I have started going into some 3% IRA CD's (Andrew's FCU) which has he...
by TBillT
Mon Apr 17, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Ameriprise - Investment / Retirement Planning
Replies: 8
Views: 743

Re: Fidelity vs. Ameriprise - Investment / Retirement Planning

I've been in Fido for decades and do a lot of my own DIY investing. The choice for me would be Vanguard or Fidelity. Vanguard I am successful with "set it and forget it" just hold in great Vanguard funds. In Fidelity I do more active trading in Bonds, broker CD's, ETF's and NTF (no transac...
by TBillT
Mon Apr 17, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: alternatives/suggestions
Replies: 12
Views: 792

Re: alternatives/suggestions

Looks a little like my wife's 401k choices.
Do you have TR SVF Stable Value Fund?
I like that one, although has not been as good last couple years.

I did not see some of my favs (PONDX in particular)
by TBillT
Mon Apr 17, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Help with Self-Employed IRA Accounts
Replies: 27
Views: 1107

Re: Help with Self-Employed IRA Accounts

I use the IRS online EFTPS system to make ES payments.
I use Fidelity for SEP IRA etc. which is quite easy to set up new accounts, but that assumes you already have some accounts and savings over there to move around.
by TBillT
Sat Apr 15, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: sold stock - what about taxes?
Replies: 16
Views: 971

Re: sold stock - what about taxes?

What I do is use TurboTax to estimate the next year, and I am trying to keep my other income low so I can reduce the cap gains tax, which as you may know, varies depending on your tax bracket. So I am reducing IRA withdrawals, maxing out 401k/IRA deductions, things like that. Also maxing itemized de...
by TBillT
Sat Apr 15, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Estimated Payments - Fed & State
Replies: 10
Views: 684

Re: TurboTax Estimated Payments - Fed & State

As above almost never use the TurboTax ES forms for myself. Sometimes I print them out for my elderly mother as I thought she liked to send the checks in. Now she is asking me to pay it! She is under $1000 tax owed (which is the trigger for her) so I skipped it this year. My IRS ES payments I use on...
by TBillT
Sat Apr 15, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 24192

Re: Age when you started to max out your retirement accounts?

Almost from the getgo we started. tIRA we started as soon as they invented it. 401K sadly missed the first year they invented it. In my wildest dreams I did not anticipate it was tax deductible (like a super tIRA) so missed one year. Forgive us, Bogleheads was not yet online to get the heads up on t...
by TBillT
Fri Apr 14, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off these loans?
Replies: 24
Views: 2020

Re: Should I pay off these loans?

I am in a different financial situation, but just paid off the college loans I was covering for our children, and some they were covering. I wanted to get rid of the burden, hassle and interest payments, given it's hard to think of good ways to make decent interest on savings these days anyways. Did...
by TBillT
Fri Apr 14, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Self-Employed IRA Accounts
Replies: 27
Views: 1107

Re: Help with Self-Employed IRA Accounts

By the way, struck me $7k is not too awful bad on taxes.
When I had self-employed income in this same range, seem to me I had a bigger tax bill due to paying the self-employed social security and medicare. Apparently in this OP case, self-employed income is not the total amount.
by TBillT
Thu Apr 13, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Self-Employed IRA Accounts
Replies: 27
Views: 1107

Re: Help with Self-Employed IRA Accounts

I agree with above, when I was self-employed I frequently submitted extension to October so I would have time to decide how much I wanted to put in a SEP IRA.
by TBillT
Mon Apr 10, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Zero-income-year - Roth Conversion or Capital Gains?
Replies: 22
Views: 1045

Re: Zero-income-year - Roth Conversion or Capital Gains?

A few clarifications from various posts: I realize my zero-income year is a bit idealized... "Zero income year" was also my goal for the LT gains, but I did not decide until May that I wanted to do that. Here are some things I did to get closer to zero income/reduce taxes- > Reversed cert...
by TBillT
Mon Apr 10, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Zero-income-year - Roth Conversion or Capital Gains?
Replies: 22
Views: 1045

Re: Zero-income-year - Roth Conversion or Capital Gains?

I have the same decision in retirement right now, I am thinking its fun to take the long term gains at zero or low tax rates. So that for me for a year or two. In another post, someone pointed out, giving stock shares with long term gains to certain state-qualified charities sometimes gets up to 65%...
by TBillT
Mon Apr 10, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to report lumpsum Relocation bonus (paid by employer) on tax forms?
Replies: 13
Views: 943

Re: Do I need to report lumpsum Relocation bonus (paid by employer) on tax forms?

The time we moved for the Corporation we had huge "income" which was grossed up so we were made whole. But our kids were in college and the financial aid prospects were very dim based on that "income" was one problem. But I think it was all properly reported on our W2. Something ...
by TBillT
Mon Apr 10, 2017 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Buying high yielding Bonds 5-10%
Replies: 21
Views: 1909

Re: Buying high yielding Bonds 5-10%

Not so risky! I like hearing those kind of ideas. I do higher quality than Frontier unless I have a hunch their prospects could improve (from Cramer or something like that). My IRA sometimes looks like I am running a mutual fund for Vanguard. I lot of have tiny bites ($10k to $15k) of issues like th...
by TBillT
Sat Apr 08, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Article--Money Funds Yielding Over 1.​0 Percent Makes News; More Coming Soon
Replies: 21
Views: 2682

Re: Article--Money Funds Yielding Over 1.​0 Percent Makes News; More Coming Soon

I very much appreciate that Money Market funds are getting close to 1%. Part of the reason I am holding some 401k's is the Stable Value Funds, but these are trending well below 2% now, so I think it is starting to be time to make that rollover which I already recently did, but it tends to say the ti...
by TBillT
Sat Apr 08, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: easy access, high interest account
Replies: 8
Views: 819

Re: easy access, high interest account

alloykat wrote:Ok. Makes sense. Thanks.


You should re-check Vanguard the CA MM fund up to 0.75% or in that range.
Not too shabby. Not sure where you got the 0.38% but I think these MM rates have a nice little up tick in the last several months.
by TBillT
Sat Apr 08, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 113
Views: 9974

Re: High Income earners, whats your Tax Strategy?

randomguy wrote:
This is definitely state specific. Here is one about VA: https://www.forbes.com/sites/davidmarot ... c8b39525ac


...that's an interesting article...I'll have to see if it makes sense for me this year to turn off my state taxes. Why not?
by TBillT
Sat Apr 08, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: easy access, high interest account
Replies: 8
Views: 819

Re: easy access, high interest account

Tax free is not going to sound as "sexy" as taxable VG Prime MM is up to 0.8% and Fidelity MM up to 1% depending on how much the house sale yields.
by TBillT
Sat Apr 08, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 113
Views: 9974

Re: High Income earners, whats your Tax Strategy?

I think I'd be trying for more tax free investment income (muni's) and if I was in a high tax state (eg; CA) these muni's would be CA tax free muni's or CA muni funds like in VG. lot's of time these days seems like the state bite is harder than Fed tax bite re: long term gains, tax free federal etc.
by TBillT
Sat Apr 08, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: Bankruptcy of Westinghouse Electric
Replies: 79
Views: 7519

Re: Bankruptcy of Westinghouse Electric

My father was a nuclear engr for the "old" Westinghouse. Following the original Shippingport start-up, he worked on the design of the nuke sub reactors. As far as commercial future in the USA, never underestimate the desire of politicians to approve mega-projects to get money and revovling...
by TBillT
Sat Apr 08, 2017 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Social Security at 62 vs 66
Replies: 53
Views: 9042

Re: Social Security at 62 vs 66

...we should probably be careful using old threads re: Social Security due to some rule changes a few years ago.
by TBillT
Fri Apr 07, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is Capital Gains based on AGI? Is it bracketed like Income Tax?
Replies: 23
Views: 1352

Re: Is Capital Gains based on AGI? Is it bracketed like Income Tax?

I've been playing the long term gains game too, keeping other income low to allow very low tax rates. I use Turbo Tax to do the planning. Things to watch out for are keeping below Medicare $250K AGI and possibly also your Medicare premium are higher over a certain income. Joint filers have better (h...
by TBillT
Fri Apr 07, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Will vs Living Trust
Replies: 44
Views: 2997

Re: Will vs Living Trust

They're common in California for reasons specific to California. Neither the original poster nor TBillT has provided any information that would indicate whether it would make sense in his/her case. However, there are far more important issues to consider. Thank you bsteiner. We have a fairly simple...
by TBillT
Tue Apr 04, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Enough to Retire, but the Tax Bill is a shock
Replies: 58
Views: 7835

Re: Advice Needed: Enough to Retire, but the Tax Bill is a shock

Sounds a little like our case. I took the lump sum pension versus monthly payments, but that was 6 years ago, and that decision depends I guess on the size of the lump sum calculation. We did not really need the monthly payments because I ended up still working part-time for a while as a consultant....
by TBillT
Tue Apr 04, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 144
Views: 13161

Re: Social Security for Millennials

Historically, the US Gov't and corporations (my company anyways) have been quite intentional about making major retirement plan/SS changes prospectively, such that by the time you get to approx. age 50, there is reluctance to reverse benefits while you are in the thick of retirement planning courses...
by TBillT
Tue Apr 04, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Borrow from my 401 to fund my SEP?
Replies: 15
Views: 888

Re: Borrow from my 401 to fund my SEP?

Yours does not sound like a typical 401(k) loan at all. Most 401(k)s don't even allow loans unless you're still employed and having the payments withheld from your paycheck. So yours was pretty rare. It was standard plan/strategy. I suppose it is not widely done, but our corporate pre-retirement co...
by TBillT
Mon Apr 03, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Borrow from my 401 to fund my SEP?
Replies: 15
Views: 888

Re: Borrow from my 401 to fund my SEP?

I am not sure the 401K loan works quite the way you are thinking. I took a 401K loan when I retired early (which is a valid early retirement strategy). But the money did not come out of my account balances. Rather the 401K trustee loaned me $50k and I had 5 years to send in monthly payments. My 401K...
by TBillT
Mon Apr 03, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Extension of Federal Tax Return
Replies: 12
Views: 701

Re: Extension of Federal Tax Return

That's cool I never saw that, but I do use EFTPS.com to make payments.
I usually file the form if I want to extend.
by TBillT
Mon Apr 03, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: With March 15th Federal Rate Hike, who bond prices did not fall.
Replies: 8
Views: 1241

Re: With March 15th Federal Rate Hike, who bond prices did not fall.

How can there be a 30+ year bull market in securities which mature in less time? PJW Sorry for the late response, but interest rates have been falling for ~35-years, so the total return on the 30-year long term bond (appreciation + interest) is enormous. If you say the total purpose of bonds is int...
by TBillT
Mon Apr 03, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Self Employed Tax Strategy to Reduce FICA tax (using Solo 401k)
Replies: 14
Views: 1369

Re: Self Employed Tax Strategy to Reduce FICA tax (using Solo 401k)

Spirit Rider wrote:
TBillT wrote:So in all cases a Solo 401k is at least equal to and may be better than a SEP IRA.


OK thank you...the Solo 401K is new idea for me, sounds nice, but for the few times I used SEP IRA, that seemed easy.
by TBillT
Mon Apr 03, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Will vs Living Trust
Replies: 44
Views: 2997

Re: Will vs Living Trust

We are in somewhat similar position to the OP.
I just told my wife not to call the lawyer.
We were going to tell the lawyer we wanted will, not the trust.
Really a lot of conflicting opinions on this issue.
by TBillT
Sun Apr 02, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: Some 'hints' about brokered CDs
Replies: 15
Views: 1752

Re: Some 'hints' about brokered CDs

I've done quite a few brokered CD's at Fidelity. Normally they almost all say FDIC so I assume that means FDIC insured. Right now I am not seeing bargains, many here jumped on the Andrews FCU 3% which is a better deal in some ways. If you have the broker CD and rates go to 5% you are stuck with a ca...
by TBillT
Sun Apr 02, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Temp Commute/Pennsylvania to DC
Replies: 23
Views: 1672

Re: Temp Commute/Pennsylvania to DC

One possibility would be Springfield VA area. There could be lower cost hotels. Commuting has various options from there including VRE Train, Metro (some maintenance ongoing), and a successful car pool system we call "slugging" where you wait in line for a ride and a driver (who gets free ...
by TBillT
Sun Apr 02, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 6884

Re: Is anyone decreasing % of bonds this year?

I don't listen to Suze Orman on Bonds, I listen to economist Gary Shilling who has been calling the Bonds correctly since about 1980. Well Shilling has been a bit quiet lately (unless you pay for his monthly newsletter). But he has been skeptical about the thought that long term rates are ready to c...
by TBillT
Fri Mar 31, 2017 12:29 pm
Forum: Investing - Theory, News & General
Topic: Is there any difference between a Rollover IRA and a Traditional IRA?
Replies: 21
Views: 1880

Re: Is there any difference between a Rollover IRA and a Traditional IRA?

On the question- why roll back into a new Employer 401k? 1. As mentioned above, better law suit protections 2. Possible better investment options: eg; a really good stable value fund is nice and otherwsie unavailable 3. Company stock that appreciates has the NUA tax benefit upon withdrawal, assuming...
by TBillT
Thu Mar 30, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: Is there any difference between a Rollover IRA and a Traditional IRA?
Replies: 21
Views: 1880

Re: Is there any difference between a Rollover IRA and a Traditional IRA?

So I have trad IRA, Roth IRA, rollover IRA, and SEP IRA all at Fidelity. If I want to add money, it goes to trad IRA or SEP IRA for self employed income. Rollover IRA I only take money out. The trad IRA was zero balance for a while as I had converted the funds to Roth. But it was handy this year to ...

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