Search found 71 matches

by cliff
Tue May 15, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Wisconsin 529
Replies: 3
Views: 395

Wisconsin 529

New Grandchild and wish to start a 529. Would do so in my daughter's name as she is a resident and I am not. This would allow her to take advantage of the Wisc. tax deduction. In looking at the Edvet options, leaning toward Index based aggressive, in which case I or daughter would need to move towar...
by cliff
Wed Feb 07, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond
Replies: 10
Views: 1342

Re: Total Bond

Thank you, Taylor.
by cliff
Wed Feb 07, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond
Replies: 10
Views: 1342

Re: Total Bond

Rankings are from Quicken, which I believes uses Morningstar...
by cliff
Wed Feb 07, 2018 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond
Replies: 10
Views: 1342

Total Bond

Is Total Bond really a great fund? Ranking in percentiles: YTD - 82; 1 year - 61; 3 year -56; 5 year - 50. Hardly impressive.
by cliff
Mon Jan 22, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Tax forms
Replies: 11
Views: 872

Re: Tax forms

Got my answer. Didn't realize mutual funds are listed as brokerage if u own any stock..
by cliff
Mon Jan 22, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Tax forms
Replies: 11
Views: 872

Re: Tax forms

Yes, I just saw they are available. My account says nothing so I will call Vanguard,,,thanks
by cliff
Mon Jan 22, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Tax forms
Replies: 11
Views: 872

Tax forms

Vanguard notes that tax forms will be available mid-January. Does anyone know exactly when?

Thanks
by cliff
Tue Jun 28, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: International Bonds
Replies: 18
Views: 1730

International Bonds

I do not hold any international bonds. Nor do I have much knowledge about international bonds. I am thinking about diversifying by buying some international bonds. I am not trying to be a market timer and this is unrelated to the current international financial issues. I am looking for opinions on i...
by cliff
Tue Jun 14, 2016 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Active Bond Fund
Replies: 12
Views: 993

Re: Active Bond Fund

So to follow up. If I buy more total stock index in taxable I can cost basis average what I have now (old shares) and specify lots going forward for anything I buy in the future (new covered shares)? I do not have to cost average everything?
by cliff
Tue Jun 14, 2016 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Active Bond Fund
Replies: 12
Views: 993

Re: Active Bond Fund

OK...if i go with total bond is there any reason to supplement overweighting any sector? Mortgage? Tips, etc. Total stockindex held in IRA will exchanage for bonds. Currently hold Total stock in taxable and will purchase more with cash to offset selling total stock in IRA The second part of the ques...
by cliff
Tue Jun 14, 2016 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Active Bond Fund
Replies: 12
Views: 993

Re: Active Bond Fund

I will Need to exchange total stock index for the bond fund in an IRA. I will then purchase either total or a combination of S&P 500/tax managed small cap in a taxable account .
by cliff
Tue Jun 14, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Active Bond Fund
Replies: 12
Views: 993

Active Bond Fund

I am in the process of changing my asset allocation and need to add bonds. My equities are purely index funds. In the current environment, however, I'm questioning whether I should go with a more active bond fund rather than the total index. Vanguard recently opened up an active fund – Core bond. An...
by cliff
Tue Apr 26, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Teacher's Retirement
Replies: 17
Views: 2647

Re: Teacher's Retirement

I would certainly do it, but depending on the state far from guaranteed. I have a state pension that had a COLA of 3% per year when I retired. 3 years later state decided they couldn't afford so now no COLA. Over $300,000 of anticipated pension gone if I live to 85.
by cliff
Tue Feb 23, 2016 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Successor Power of Attorney
Replies: 13
Views: 754

Re: Successor Power of Attorney

There is a resignation of POA form. I will have my sister sign that and send in with the POA to financial institution.
by cliff
Tue Feb 23, 2016 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Successor Power of Attorney
Replies: 13
Views: 754

Re: Successor Power of Attorney

Despite the snide remark there is no agenda here. Yes, my sister could pass the POA to me and will likely have her do that, but for the time being we are in the south with father in the north. Again, all I wanted to know is if anyone knew what the financial institution will require for my sister to ...
by cliff
Tue Feb 23, 2016 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Successor Power of Attorney
Replies: 13
Views: 754

Re: Successor Power of Attorney

Again, the power of attorney is clear. Just wondering if the financial institution will require any kind of "proof" that my sister doesn't want to do it. If need be she will. It's only a matter of getting an address change and a 1099R, which was mailed to his address twice, but he says never received.
by cliff
Tue Feb 23, 2016 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Successor Power of Attorney
Replies: 13
Views: 754

Re: Successor Power of Attorney

This really isn't a big deal so I prefer not to incur any cost, but thanks for the response.
by cliff
Tue Feb 23, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Successor Power of Attorney
Replies: 13
Views: 754

Successor Power of Attorney

My father is 93 with Alzheimer's. My sister has power of attorney and I have successor power of attorney. Need to get in touch with financial institution servicing his pension. My sister does not feel like doing it and it is fine with her for me to do. But if I send them the POA I am afraid they are...
by cliff
Mon Sep 28, 2015 9:27 am
Forum: Investing - Theory, News & General
Topic: Health Care
Replies: 1
Views: 314

Health Care

Healthcare stocks are plummeting. Biotech is largely being blamed. Is this because of overvaluation? Fear of government negotiating prices? All opinions welcome.
by cliff
Thu Aug 20, 2015 7:03 pm
Forum: Investing - Theory, News & General
Topic: Utilities [Utility stocks]
Replies: 9
Views: 1140

Re: Utilities

Just a few facts after today's awful market. Vanguard utilities index -.73; S&P -2.11...Correlation from Dan Weiner with S&P 500...REIT .45; Utilities Index .31... Just some food for thought for diversification. Utilities are not too exciting but with 4% dividends and the lack of high correlation wi...
by cliff
Thu Aug 20, 2015 10:57 am
Forum: Investing - Theory, News & General
Topic: Utilities [Utility stocks]
Replies: 9
Views: 1140

Utilities [Utility stocks]

My father owns a utilities stock which I have followed. It has done quite well. What especially strikes me is it continues to do well in the current market. Plus it pays a 4% dividend. Utilities are not mentioned often. It strikes me that they are a tremendous diversifier and perhaps should be over ...
by cliff
Tue Jun 16, 2015 9:32 am
Forum: Investing - Theory, News & General
Topic: Sell MF before dividend
Replies: 6
Views: 792

Re: Sell MF before dividend

Thanks, will sell today...
by cliff
Tue Jun 16, 2015 9:22 am
Forum: Investing - Theory, News & General
Topic: Sell MF before dividend
Replies: 6
Views: 792

Sell MF before dividend

I need to sell some holdings in Wellsley. A dividend will be paid before the end of the month. I know not to "buy the dividend" but what about selling? Should I sell now or what for the dividend? thanks....
by cliff
Wed Mar 25, 2015 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Another 4% question
Replies: 10
Views: 1552

Re: Another 4% question

Sorry the question wasn't clear....Yes, retired. I stay under 4% of portolio value at beginning of year and do not adjust for inflation. Consider 4% of cash/bonds/stocks as the max I can withdraw as a guideline. Was just curious as to opinions on exchanging assets and whether that should be counted ...
by cliff
Wed Mar 25, 2015 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Another 4% question
Replies: 10
Views: 1552

Another 4% question

Assume I would like to follow the 4% rule. I have a mortgage. Should the principal count as retirement spending? I would argue no. That in essence you are exchanging one asset type for another - cash, stock, bond or whatever for real estate? Same question but for a second home. Again I would argue t...
by cliff
Thu Jul 31, 2014 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: VPW calculator
Replies: 4
Views: 938

Re: VPW calculator

I do not have excel. That is why I was looking for the calculator. Any advice on a free program/app that would run this on a PC? Ipad?
by cliff
Thu Jul 31, 2014 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: VPW calculator
Replies: 4
Views: 938

VPW calculator

On the early retirement web site there is a link to a VPW calculator developed by a Boglehead. The link, however does not work. It goes to dropbox as a dead end. Is it available anywhere?

Thanks
by cliff
Wed Jul 30, 2014 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lawuit
Replies: 3
Views: 1310

Vanguard Lawuit

Unless I missed it surprised no one has posted about this:

http://blogs.barrons.com/focusonfunds/2 ... fund-firm/

Your thoughts?
by cliff
Fri Feb 14, 2014 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax
Replies: 20
Views: 1921

Re: Estimated Tax

Thanks for the faster than fast replies..
by cliff
Fri Feb 14, 2014 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax
Replies: 20
Views: 1921

Estimated Tax

Paid estimated tax in January for 2013. Will i receive a form from the IRS indicating payment?

Thanks
by cliff
Fri Apr 05, 2013 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement 4 percent withdrawal - mortgage principal
Replies: 10
Views: 1406

Re: Retirement 4 percent withdrawal - mortgage principal

Please explain to me why selling I Bonds returning 5% plus would make sense to pay a mortgage at 3%? I should add that I always sell equities and bonds to retain the allocation that I desire.
by cliff
Fri Apr 05, 2013 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement 4 percent withdrawal - mortgage principal
Replies: 10
Views: 1406

Re: Retirement 4 percent withdrawal - mortgage principal

The reason to have mortgage debt is because of the low rates and tax deduction of mortgage interest. With interest at 3% or so and I bonds at 5 plus % for those bought back when they were great should I sell the I bonds to pay the mortgage? The stock market - I am betting that I can get more than 3%...
by cliff
Fri Apr 05, 2013 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Retirement 4 percent withdrawal - mortgage principal
Replies: 10
Views: 1406

Retirement 4 percent withdrawal - mortgage principal

I am retired and have been using the tried-and-true 4% limit on withdrawals. I have a mortgage and have been counting principal payments against the 4%. However, in reality this is just a different asset. It is not unlike buying gold, artwork, or for that matter a mutual fund. Should I really count ...
by cliff
Fri Jan 04, 2013 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Health Care vs Health Index
Replies: 2
Views: 368

Health Care vs Health Index

I am a very long time holder of Health Care in an IRA and am very happy with the returns, until recently. Now when I compare it with the Vanguard Health Index I am questioning if it is not time for a change. Health Care (Health Care index) 1, 3 and five year returns as compared with category: 84 (54...
by cliff
Sat Nov 24, 2012 4:20 pm
Forum: Personal Consumer Issues
Topic: Quicken will not download transactions
Replies: 4
Views: 725

Quicken will not download transactions

Since November 18 I am getting an error code of ol-292-b on Quicken. It indicates that my download request has been rejected by the server. I have used Quicken for well over ten years and never a problem. Prices are downloaded but no transactions. I am not sure if this corresponds with the new websi...
by cliff
Wed Oct 17, 2012 9:17 am
Forum: Personal Consumer Issues
Topic: Anyone using Quicken 2013?
Replies: 77
Views: 17965

Re: Anyone using Quicken 2013?

I am a Long time user. Am absolutely dissatisfied with Q. Since may accounts will not update as quicken will not support the bank's authentication method. Support is worse than useless. Have sent about 30 emails. Logs etc. they do nothing . Mobile is hence a waste as bank acct will not update!!!!! Q...
by cliff
Tue Aug 14, 2012 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Stock held in two names cost basis question
Replies: 5
Views: 577

Re: Stock held in two names cost basis question

Thank you. Yes, he did pay for the stock. If I understand you correctly, if after his death I were to cash in the stock the cost basis is calculated from his death. If the stock were sold prior to his death and sold by me under my social security number,I would need to pay taxes on the full cost bas...
by cliff
Tue Aug 14, 2012 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Stock held in two names cost basis question
Replies: 5
Views: 577

Stock held in two names cost basis question

My father has stock which is listed in both his and my name – it is listed as father "or"son for ownership purposes. I assume that either he or I could sell it while he is alive????I assume that then we would need to pay whatever the price minus cost basis is in terms of taxes??? If the stock is sol...
by cliff
Sat Aug 11, 2012 11:33 am
Forum: Investing - Help with Personal Investments
Topic: iPad app – portfolio tracking
Replies: 3
Views: 962

iPad app – portfolio tracking

I am looking for a good ipad app, preferably free, that will track mutual funds. Unfortunately neither MorningStar or Vanguard or mint.com provides what I'm looking for. I would like tracking to include portfolio performance for one day, one week, one month, three months, year to to date, one year, ...
by cliff
Mon Jul 09, 2012 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Reit Classification
Replies: 7
Views: 992

Re: Reit Classification

I'm not sure of your point. It's 45/38/17 or so. My point and question is does it make sense to break down by market cap or classify it differently?
by cliff
Mon Jul 09, 2012 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Reit Classification
Replies: 7
Views: 992

Reit Classification

Wondering how folks classify REIT's'? Do you uses the typical large/medium/small breakdown or use a separate category or something else?
by cliff
Sat Jun 16, 2012 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Social security – what to do?
Replies: 9
Views: 1263

Re: Social security – what to do?

Thank You Carl and others. The links are quite helpful. I'll need to read them more carefully but will likely do the restricted Social Security option.
by cliff
Sat Jun 16, 2012 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Social security – what to do?
Replies: 9
Views: 1263

Re: Social security – what to do?

I appreciate your response but I'm not sure it helps me with Social Security decision.?...I do not follow your logic of a 46 or so percent tax rate
by cliff
Sat Jun 16, 2012 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Social security – what to do?
Replies: 9
Views: 1263

Re: Social security – what to do?

25% bracket... utilizing investments from taxable accounts... Expect Social Security to be fully taxed, unless I am mistaken
by cliff
Sat Jun 16, 2012 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Social security – what to do?
Replies: 9
Views: 1263

Social security – what to do?

I am somewhat familiar with various social security options, but am still unsure what to do. Will turn 62 soon and my wife will turn 62 about one year later. Social Security will be slightly higher in my case. Curently have a pension but need to utilize savings to meet all costs. This means selling ...
by cliff
Sun Apr 01, 2012 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Bond Wizard - ipad
Replies: 1
Views: 774

Savings Bond Wizard - ipad

Safari will not download SBW. Does anyone know of a comparable program/app that will work on an ipad?

thanks
by cliff
Sun Dec 18, 2011 10:48 am
Forum: Personal Finance (Not Investing)
Topic: How much is needed to self-insure LTC?
Replies: 231
Views: 13946

Re: How much is needed to self-insure LTC?

For what its worth a few years back I heard a recommendation that if your assets are under 300k it does not make sense to buy LTC. Likewise if over $2 million.
by cliff
Fri Apr 15, 2011 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: 3.5% [real] withdrawal for thirty years?
Replies: 22
Views: 2680

What rate of inflation does the Vanguard calculator use?
by cliff
Wed Mar 23, 2011 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Abbreviation versus name [ticker versus fund name]
Replies: 26
Views: 3289

Downloaded grease monkey and the script into Firefox. Works great. thanks