Search found 134 matches

by TBillT
Wed May 24, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Zacks says sell Wellesley!?
Replies: 64
Views: 5599

Re: Zacks says sell Wellesley!?

Back around 2008, Morningstar (who always likes Wellesley) nevertheless had a warning that since interest rates are expected to skyrocket any day, Wellesley might under-perform the market. That was about 10-years ago after the Great Recession, and interest rates have gone DOWN, not up, and thus Well...
by TBillT
Wed May 24, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: Pimco BOND - other Vanguard similar funds or ?
Replies: 14
Views: 1031

Re: Pimco BOND - other Vanguard similar funds or ?

I got into PONDX instead of BOND.
PONDX has been great but the concern is it getting too big.
I also use some VG funds and PTIAX RNDLX
by TBillT
Tue May 23, 2017 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest Church Money
Replies: 51
Views: 3282

Re: How to Invest Church Money

I've been in that position.
I'd say CD's, federal money market funds, maybe gov't agency bonds holding to maturity.
by TBillT
Tue May 23, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to pay off student loans
Replies: 22
Views: 1914

Re: Trying to pay off student loans

I also just paid off some 3 or so Navient loans my daughter had. Seems to me I had to write the loan number on the checks, and if you are paying the loan off, it might be a different address (I forget already). But they give you a loan payoff cost number and you have to send that in within a certain...
by TBillT
Sun May 21, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: Place to put Cash - short term
Replies: 14
Views: 1117

Re: Place to put Cash - short term

I think we need more info on how much money and where it is going (use of it). Risk free (defined as constant NAV) (1) MMF (2) Bank CD or brokerage CD (longer term brokerage CD can lose or gain value just like a bond) (3) Stable value fund inside of 401K or 529 (4) iBonds As for Non-Risk free there ...
by TBillT
Sun May 21, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Taxes on Series EE bonds issued in 1987
Replies: 13
Views: 918

Re: Taxes on Series EE bonds issued in 1987

1987 EE Bonds I think you are outta ammo (I have a few smaller ones too). 1990+ EE Bonds can be rolled over into college savings (eg; 529 Plan), but only if you are the parent and meet requirements. In this latter case, if you were not a parent, I suppose you could play around with shifting EE bond ...
by TBillT
Sun May 21, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 7711

Re: Tesla Solar Roof

...the new Prius Prime Plug-in Hybrid comes with a solar roof option - quite sadly not currently available for the USA market. However, it is an extraordinary engineering accomplishment (I feel) in that it can generate (if I remember correctly) up to 10% of the miles driven without trying too hard....
by TBillT
Sun May 21, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: Place to put Cash - short term
Replies: 14
Views: 1117

Re: Place to put Cash - short term

Short term cash today can go into Vanguard Prime Money Market fund (or the tax free version) to get approaching 1%.
by TBillT
Fri May 19, 2017 11:05 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: 104
Views: 11718

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

Taking SS depends on how many other savings/IRA money you have. If you need the income, then taking SS is OK. If you have other IRA money, stocks to sell, etc., you may want to avoid your SS income so you can take other types of income to keep taxes down. Some today have fairly large IRA accounts fr...
by TBillT
Mon May 15, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 28
Views: 1307

Re: Quality decline in off-brand alkaline batteries?

I use rechargables (ENELOOP) but Duracell if I am using regulars. I do feel some brands are not as good, I think there was a Consumer Reports article. One time we got some Amazon brand that I was not happy with at the time, so did get any more of those.
by TBillT
Mon May 15, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 7711

Re: Tesla Solar Roof

...the new Prius Prime Plug-in Hybrid comes with a solar roof option - quite sadly not currently available for the USA market. However, it is an extraordinary engineering accomplishment (I feel) in that it can generate (if I remember correctly) up to 10% of the miles driven without trying too hard. ...
by TBillT
Mon May 15, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 29
Views: 1960

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

If you are DIY type, one thing some of us Prius owners do is get Toyota Techstream with miniVCI cable available on Amazon and EBay for as low as $20. This is a "bootleg" version of Toyota software for reading codes and other maintenance. This is software you install on a laptop and use the...
by TBillT
Thu May 04, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 17021

Re: Buying a luxury car (how dumb would it be to do this?)

I'd ask what state you live in, because in Va. we tax the heck out of cars annually.
But most states not so bad.
by TBillT
Wed May 03, 2017 1:22 pm
Forum: Investing - Theory, News & General
Topic: Tax minimization with required stock sale
Replies: 3
Views: 260

Re: Tax minimization with required stock sale

So it's a little hard to help without knowing a little more about company rules and how much. However what I've been doing: > Minimizing other income in the years taking the gain (using TurboTax to estimate) > Spreading out several years, trying to stay below 3.8% excess Medicare tax There are some ...
by TBillT
Wed May 03, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Is 401k loan really a bad idea?
Replies: 57
Views: 3270

Re: Is 401k loan really a bad idea?

I used a 401k loan when I retired early, and that was a retirement strategy to make sure you have enough funds prior to age 59.5. Not many used that idea, but I did. Most would have rolled over to IRA on retirement, but I wanted to keep the 401k for some time (finally have rolled over by now). Some ...
by TBillT
Tue May 02, 2017 4:48 pm
Forum: Investing - Theory, News & General
Topic: Why? Jeremy Siegel thinks 30 yr. bond a good l.t. buy/hold.
Replies: 13
Views: 1771

Re: Why? Jeremy Siegel thinks 30 yr. bond a good l.t. buy/hold.

The 30-yr BOND is in part a play on long term cap gains...if the interest rate goes down to 2% that would be one heckuva large cap gain +3% interest.
by TBillT
Tue May 02, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Suspending Social Security Benefits- Will be 66 in June
Replies: 12
Views: 1357

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 TBillT
Tue May 02, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Suspending Social Security Benefits- Will be 66 in June
Replies: 12
Views: 1357

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 Husband takes max at 70 Wife files and takes max at 70 This option gives max monthly amount over 70, yet allows some SS at 66. You...
by TBillT
Tue May 02, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Buying Individuals Stocks In A Roth IRA?
Replies: 7
Views: 973

Re: Buying Individuals Stocks In A Roth IRA?

I have my brokerage account in Fidelity, but of course you can buy anything you want: ETFs , stocks , bonds, mutual funds, brokerage CD's, etc. I do a lot of bonds over the years.
by TBillT
Tue May 02, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Any reason not to roll out a 401a into another retirement account?
Replies: 3
Views: 324

Re: Any reason not to roll out a 401a into another retirement account?

The legal reason for styaing in 401K is you have greater protection from law suits taking your money (in the event of a liability of some kind) in the 401K vs. Rollover. For a relatively small account I suspect this is not a serious consideration. The financial reason for staying is if you have good...
by TBillT
Thu Apr 27, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Moving to CA for 2 yrs, lease or buy used car?
Replies: 13
Views: 888

Re: Moving to CA for 2 yrs, lease or buy used car?

One thing to consider is that CA is pushing Plug_ins, including good financial incentives and giving Plug_ins the right to use free HOV with single occupant, which can be a time saver depending on your commute. Under $5k will be hard though. You could go with something like a used Plug-in Prius (201...
by TBillT
Wed Apr 26, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: grandparent college loan options
Replies: 16
Views: 938

Re: grandparent college loan options

This link http://pa529.com/faqs/contributions-and-rollovers/convert-savings-bonds-to-pa-529/ seems to imply they have to be issued after 1989 and you still must be able to claim the beneficiary of the account as a dependent Re: Savings Bonds OK thank you! You are correct, it does look like grandpar...
by TBillT
Wed Apr 26, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Taxation on Investments Question
Replies: 4
Views: 437

Re: Taxation on Investments Question

...as above...no qualified dividends from Bonds...that would be nice. Although municipal bonds can be tax free. The qualified dividends are the dividends from stocks. So everything you said is true for a high dividend stock such as say ATT or something like that. But you have the risk of stock going...
by TBillT
Wed Apr 26, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: $1m capital gains, worth it to simplify and index?
Replies: 46
Views: 3986

Re: $1m capital gains, worth it to simplify and index?

I am spreading out over 2-3 tax years, so that means I had a lot of trading action last 6 months with 2 tax years to work with already in the books. We are retired so more fun in that case as you can keep the other income low. However, I was anxious to lock in gains so I sold with some urgency. Trie...
by TBillT
Wed Apr 26, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Revocable trust worth paying attorney for?
Replies: 21
Views: 1477

Re: Revocable trust worth paying attorney for?

We decided not to go with the Revocable Trust, but we are still using the same attorney for a detailed Will etc. My wife did not accept the trust idea and we had no specific need except to escape probate. Virginia has recently allowed house to be transfer on death, so we might have a some minor esta...
by TBillT
Wed Apr 26, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: grandparent college loan options
Replies: 16
Views: 938

Re: grandparent college loan options

great ideas. I just remembered I have some 25 year old ee saving bonds. if used for education they are tax free. what websites can lead me to find unclaimed scholarships? book? I'm not positive but I don't think a grandparent can exclude ee bond interest (unless the student is the grandparent's dep...
by TBillT
Wed Apr 26, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 9620

Re: Vanguard has switched to brokerage only accounts

Not aware of the switch...we have only the regular VG accounts.
I do my brokerage accounts with FiDo.
I suppose if we had VG brokerage accounts it would encourage me to trade more fixed income at VG, and maybe pull some out of VG funds, which I guess they have no shortage of buyers.
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: 31
Views: 2095

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: 18
Views: 1199

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: 3303

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: 616

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: 653

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: 83
Views: 7060

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: 35
Views: 3207

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: 446

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: 1992

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: 35
Views: 3207

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: 759

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: 2549

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: 47
Views: 7164

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: 1291

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: 1343

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: 828

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: 995

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: 1291

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: 1064

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: 742

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: 25126

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: 2331

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: 1291

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.

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