Search found 372 matches

by jefmafnl
Tue Apr 19, 2016 5:15 am
Forum: Investing - Help with Personal Investments
Topic: Pension choices
Replies: 3
Views: 747

Moderators

Moderators,
should I post this in a different forum?

J
by jefmafnl
Mon Apr 18, 2016 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Pension choices
Replies: 3
Views: 747

Pension choices

I have a small pension (defined benefit) from a state teachers' retirement system, from a job that I had for five years. Originally they promised a certain monthly payment at 60. A few years ago they changed it to 65, with the proviso that one could receive "actuarially reduced benefits" f...
by jefmafnl
Mon Dec 07, 2015 2:20 pm
Forum: Investing - Theory, News & General
Topic: How can my friend check out a financial advisor?
Replies: 9
Views: 1134

How can my friend check out a financial advisor?

My best friend, who knows little about investing but has substantial assets. Until now he has relied on advice from his full-service broker, with whom he has a portfolio of large (blue-chip?) stocks and some bonds. The broker does not seem to have churned the portfolio, nor recommended exotic or ina...
by jefmafnl
Mon Nov 16, 2015 1:29 am
Forum: Personal Consumer Issues
Topic: Medical alert system for Mom (90)
Replies: 5
Views: 631

Re: Medical alert system for Mom (90)

Thanks to all who replied.

Clamshell cell phone would not work, because the cell signal is unreliable in her house.

However, LogicMark seems to have several products, one of which might work. Thanks, littlebird!

J
by jefmafnl
Sun Nov 15, 2015 10:11 am
Forum: Personal Consumer Issues
Topic: Medical alert system for Mom (90)
Replies: 5
Views: 631

Medical alert system for Mom (90)

My Mom (90 years old!) just moved home after 2-1/2 months in hospital and rehab. due to a fall in the middle of the night. She previously had Lifeline, which we turned off during her absence. Now she will need a medical alert service again. Cell reception is poor in her house, so she needs a landlin...
by jefmafnl
Sun Oct 04, 2015 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Is "binding arbitration" standard in brokerage terms and conditions?
Replies: 18
Views: 1204

Is "binding arbitration" standard in brokerage terms and conditions?

Mom (90, last two months in hospital and skilled nursing after a fall, may be going home soon) wants to transfer her brokerage accounts to Stifel, where her longtime, trusted broker is now working after leaving one of the major full-service brokerage firms. The terms and conditions run to some 160 p...
by jefmafnl
Mon Sep 21, 2015 6:31 am
Forum: Investing - Theory, News & General
Topic: Balanced Index Funds
Replies: 21
Views: 2603

"Asset location problem" in Balanced Index Fund?

Let's assume that an investor's taxable accounts are much larger than her or his tax-deferred or tax-sheltered accounts. Let's also assume that the investor (in retirement) is not in a high federal tax bracket and does not reside in a state with a high state income tax. In that case, how great is th...
by jefmafnl
Sun Sep 20, 2015 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Duration of Mom's bonds
Replies: 12
Views: 648

Re: Duration of Mom's bonds

Some are selling above and some below purchase price. I haven't done a total, but any net capital gain would be a few percent at most.

J
by jefmafnl
Sun Sep 20, 2015 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Duration of Mom's bonds
Replies: 12
Views: 648

Re: Duration of Mom's bonds

Thanks to all who responded. dbr: Your first post is correct...I'm concerned about her having to liquidate all of her assets in the coming years. I'm not worried about the bonds maturing in 2016, only about those with long maturities. The question is whether she should sell a few of the bonds with t...
by jefmafnl
Sun Sep 20, 2015 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Mom's IRA rollover
Replies: 2
Views: 198

Mom's IRA rollover

My Mom (90, widowed since 2002) has used the same (major full-service) broker for almost 30 years. He has always given her good service and has never pushed her into unsuitable investments. Recently he moved to another (smaller) brokerage, and she would like to move her accounts: one taxable account...
by jefmafnl
Sun Sep 20, 2015 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Duration of Mom's bonds
Replies: 12
Views: 648

Duration of Mom's bonds

My mother, 90, has handled her finances skillfully since my father died 13 years ago. Now, however, she's in a skilled nursing facility after a bad fall and many complications, and she may need more help with her finances. Also, her situation has changed. She had managed to essentially live off of p...
by jefmafnl
Wed Sep 02, 2015 6:43 am
Forum: Investing - Theory, News & General
Topic: bid and asked prices in panic times like this past week
Replies: 21
Views: 1548

Re: bid and asked prices in panic times like this past week

Dumb question for livesoft (or others) regarding

"I took video screen capture of my trading"

in livesoft's post:

How does on take video screen capture on a Mac? On a PC?

Thanks.

J
by jefmafnl
Mon Aug 24, 2015 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Tax accountant for US expat in the Netherlands?
Replies: 0
Views: 293

Tax accountant for US expat in the Netherlands?

I'm an American citizen living and working in the Netherlands (and receiving a bit of income from the US and another foreign country), and I need to find a new accountant to do my Dutch taxes. Preferably NOT one of the big four accounting firms. If you have any experience with this, I would apprecia...
by jefmafnl
Sun Aug 16, 2015 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Durable POA (power of attorney)
Replies: 1
Views: 375

Durable POA (power of attorney)

My Mom (90, in a skilled nursing facility, and with severe physical limitations) wants to authorize someone else to sign her checks. I understand that the appropriate form is a durable power of attorney. I downloaded a form (for California, where she lives). My brother will probably go through the d...
by jefmafnl
Sat Aug 15, 2015 6:39 am
Forum: Personal Consumer Issues
Topic: Selecting a "skilled nursing facility" (SNF) for Mom (90)
Replies: 10
Views: 994

Skilled nursing (rehab) in Palm Desert or Rancho Mirage

[Thread merged into here, see below. --admin LadyGeek] My brother and I are going through h*** trying, via long distance, to help my mother (90) deal with skilled nursing facility and hospital after she had a serious fall. There are no close relatives in her area. If you have ever been a resident i...
by jefmafnl
Thu Aug 06, 2015 12:16 am
Forum: Personal Consumer Issues
Topic: Selecting a "skilled nursing facility" (SNF) for Mom (90)
Replies: 10
Views: 994

Selecting a "skilled nursing facility" (SNF) for Mom (90)

Anyone know of a specialized site with ratings or comments or reviews of skilled nursing facilities?

Mom fell a couple days ago, and my brother and I have to quickly choose (long distance, since we don't live in the area) between a couple of places.

Thanks.

J
by jefmafnl
Mon Aug 03, 2015 6:16 am
Forum: Personal Finance (Not Investing)
Topic: 529s and college scholarships
Replies: 12
Views: 1182

Re: 529s and college scholarships

Thanks to all who replied.

J
by jefmafnl
Sun Aug 02, 2015 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: 529s and college scholarships
Replies: 12
Views: 1182

529s and college scholarships

My brother, whose son is starting college in September, is facing decisions about exactly how to use the funds in his 529 accounts (room and board, or tuition), and about whether to declare some scholarship money as taxable income (which can work out better than treating all of it as tax-free income...
by jefmafnl
Fri Jun 19, 2015 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Mom's broker moved to Stifel; preferreds
Replies: 5
Views: 911

Re: Mom's broker moved to Stifel; preferreds

Thanks to all who replied. I will do some more checking of Stifel, but unless something really bad turns up, I will recommend that she move her accounts to her broker there.

J
by jefmafnl
Thu Jun 18, 2015 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Mom's broker moved to Stifel; preferreds
Replies: 5
Views: 911

Mom's broker moved to Stifel; preferreds

My Mom (turning 90 years old this week!) has had the same broker for about 25 years. He was at one of the big-name, "full-service" retail brokerages. He never pushed inappropriate stuff on her, but did periodically keep her informed about new issues of preferred stocks, which were one of h...
by jefmafnl
Wed May 06, 2015 12:53 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (April 2015)
Replies: 6
Views: 1123

Re: madsinger monthly report (April 2015)

Many thanks for your hard work...this is a real service to Bogleheads.

For those of us who, for whatever reasons, prefer a one-fund solution without international stocks: any chance that at some point you could add Vanguard Balanced Index Fund?

Thanks again!

J
by jefmafnl
Sun Apr 26, 2015 9:20 pm
Forum: Investing - Theory, News & General
Topic: Quickie to clarify confusion re: 0% long-term capital gains
Replies: 29
Views: 2621

Re: Quickie to clarify confusion re: 0% long-term capital ga

The Kitces article is indeed great. However, in discussing the strategy of taking longterm cap gains up to the top of the 0% bracket, he raises an interesting question: can Vanguard accept buy and sell orders for the same mutual fund (not ETF) on the same day?

J
by jefmafnl
Sat Apr 11, 2015 7:28 am
Forum: Investing - Theory, News & General
Topic: Cost basis update
Replies: 3
Views: 689

Cost basis update

I recently had to do some selling in our taxable accounts in order to rebalance, something I hadn't done in a long time. A couple of questions, regarding ETF's (from non-Vanguard providers) and Vanguard mutual funds. 1) In the old days, if one used specific share ID, one placed the order and then se...
by jefmafnl
Tue Feb 24, 2015 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Morgan Stanley data breach
Replies: 1
Views: 297

Morgan Stanley data breach

My mother (almost 90) has accounts at Morgan Stanley. She received a letter dated January 12 regarding the data breach in December, and asked my advice as to whether she needs to do anything or worry about it. The letter says, "There is no evidence that this misappropriated data included social...
by jefmafnl
Wed Feb 04, 2015 1:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 5340

Re: Vanguard survey: what should they do differently?

Add an international small-cap value index fund
(previously mentioned by another poster).

J
by jefmafnl
Sat Jan 03, 2015 8:43 am
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 557
Views: 26860

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

Prediction: 1905
by jefmafnl
Sat Oct 04, 2014 10:18 am
Forum: Investing - Theory, News & General
Topic: Withdrawals in retirement from balanced fund
Replies: 10
Views: 1140

Withdrawals in retirement from balanced fund

One often hears advice on this board for retirees to have one year (or two years or ...) of withdrawal needs in cash or "cash equivalents", which, according to one's particular denomination within the Boglehead church, might include any of the following: short-term CD's, I bonds, short-ter...
by jefmafnl
Thu Aug 14, 2014 4:12 pm
Forum: Personal Consumer Issues
Topic: Home health aide an independent contractor?
Replies: 7
Views: 843

Home health aide an independent contractor?

My Mom (89 and living alone in her own home) treats her home health aide (hired directly, not through an agency) as an independent contractor. No Social Security or income tax or other withholding. The aide comes several half days per week, as mutually agreed. Last time my Mom asked me (several year...
by jefmafnl
Sat Aug 02, 2014 5:43 am
Forum: Investing - Theory, News & General
Topic: Changing cost basis from Average Cost to Specific ID
Replies: 33
Views: 4086

What about Specific ID to Average Cost?

What about the opposite case: one has used Specific ID (for both covered and non-covered shares) but is now at an age (in my case about 20 years from now) where perhaps one doesn't want to bother with all these details. Can one revoke Specific ID for the shares that have not yet been sold, and use A...
by jefmafnl
Mon Jul 28, 2014 6:21 am
Forum: Investing - Theory, News & General
Topic: Cost basis and mutual fund exchanges
Replies: 4
Views: 688

Re: Cost basis and mutual fund exchanges

Alex Frakt had a very helpful suggestion in this post:

viewtopic.php?t=84958&mrr=1319895026

J
by jefmafnl
Wed Jul 23, 2014 4:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard not vigilant about taxes?
Replies: 15
Views: 2014

Vanguard not vigilant about taxes?

According to the New York Times, the proposed Medtronic inversion could cause substantial tax consequences for mutual fund shareholders, but Vanguard (and BlackRock and others) are not taking any action: http://dealbook.nytimes.com/2014/07/08/in-deal-to-cut-corporate-taxes-shareholders-pay-the-price...
by jefmafnl
Sun Jun 29, 2014 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best online source for info on condos
Replies: 1
Views: 325

Best online source for info on condos

We (2 Americans) live in Europe but will be retiring in the next few years and would like to return to the US. I'm visiting my brother in Oregon in a couple weeks and would like to look at some condos while I'm there. What is or are the best online source(s) for easily searching through everything t...
by jefmafnl
Sun May 25, 2014 3:32 am
Forum: Personal Consumer Issues
Topic: In-store prices on the web?
Replies: 4
Views: 644

Re: In-store prices on the web?

My question is: if I want to know what major department stores or drugstores will charge for an in-store purchase, how do I find this info on the web?

Tyanks.

J
by jefmafnl
Sat May 24, 2014 12:32 pm
Forum: Personal Consumer Issues
Topic: In-store prices on the web?
Replies: 4
Views: 644

In-store prices on the web?

I'm an American expat living in Europe, and will be visiting family in the US in July. Hope to do a bit of shopping. For department stores and drugstore chains, any suggestions in finding actual in-store prices on the web, either on their own sites, or on comparison sites? Often the stores' own site...
by jefmafnl
Wed Apr 30, 2014 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer securities from IRA to satisfy RMD?
Replies: 16
Views: 2522

Re: Transfer securities from IRA to satisfy RMD?

We are talking mostly corporate bonds and preferred stocks.

She has a system for paying the tax...perhaps from money market fund in taxable account.

J
by jefmafnl
Wed Apr 30, 2014 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Trusteer Rapport [security software?]
Replies: 1
Views: 356

Trusteer Rapport [security software?]

A credit card company that I trust has recommended downloading Trusteer Rapport software. "Trusteer works with your anti-virus software and Web browser to alert you about fake websites and to block malware that may attempt to steal your personal information." Any Bogleheads (preferably Mac...
by jefmafnl
Wed Apr 30, 2014 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer securities from IRA to satisfy RMD?
Replies: 16
Views: 2522

Transfer securities from IRA to satisfy RMD?

My mom (89) asked a question to which I (60) do not know the answer. She usually takes the Required Minimum Distribution (RMD) from the "cash" (money market fund) in her traditional IRA. However, this year she has very little cash in the IRA. Can she transfer assets from the IRA to a taxab...
by jefmafnl
Mon Apr 21, 2014 3:20 am
Forum: Investing - Theory, News & General
Topic: Tax cost of "one fund in taxable"
Replies: 7
Views: 1189

Re: Tax cost of "one fund in taxable"

Thanks for the replies.

Grabiner, could you please specify what you would consider a "relatively low tax bracket" for the purposes of this discussion?

Thanks.

J
by jefmafnl
Sun Apr 20, 2014 9:39 am
Forum: Investing - Theory, News & General
Topic: Tax cost of "one fund in taxable"
Replies: 7
Views: 1189

Tax cost of "one fund in taxable"

The notion of making a transition from our present situation (moderate slice and dice in taxable and IRA accounts; about 6 years away from my retirement) to one fund (such as Vanguard LS Moderate Growth or Vanguard Balanced or Vanguard Wellington or a Vanguard Target Retirement Fund) is very appeali...
by jefmafnl
Sat Apr 12, 2014 5:40 am
Forum: Investing - Theory, News & General
Topic: Heartbleed at Treasury Direct?
Replies: 5
Views: 997

Re: Heartbleed at Treasury Direct?

OK according to "filippo" , thanks for the suggestion!

J
by jefmafnl
Sat Apr 12, 2014 5:32 am
Forum: Investing - Theory, News & General
Topic: Heartbleed at Treasury Direct?
Replies: 5
Views: 997

Heartbleed at Treasury Direct?

Does anyone know whether Treasury Direct uses a vulnerable version of Open SSL and thus is exposed to the Heartbleed bug?

Thanks.

J
by jefmafnl
Sun Mar 16, 2014 6:13 am
Forum: Investing - Theory, News & General
Topic: USA Today inadvertently makes case for EE bonds
Replies: 13
Views: 2260

Redeem at beginning of anniversary month?

If one bought EE bonds in April 2005, one can redeem them with the guaranteed doubling at the beginning of April 2025 or May 2025?

Thanks.

J
by jefmafnl
Wed Feb 12, 2014 6:59 am
Forum: Investing - Theory, News & General
Topic: Expected Returns for the next 20 years?
Replies: 29
Views: 3127

Re: Expected Returns for the next 20 years?

Was there a post on this forum about the maximum historical SWR going forward from a given range of Shiller P/E 10 at retirement?

J
by jefmafnl
Sat Feb 01, 2014 5:14 am
Forum: Investing - Theory, News & General
Topic: Pay attention to tax efficiency, it's important
Replies: 18
Views: 2670

Re: Pay attention to tax efficiency, it's important

Just to double-check: while most ETF's are more tax-efficient than traditional open-end mutual funds, is it still true that Vanguard ETF's are no more tax-efficient than the corresponding Vanguard mutual funds?

Thanks.

J
by jefmafnl
Sun Jan 19, 2014 12:30 pm
Forum: Investing - Theory, News & General
Topic: Combine U-shaped AA and Hebeler flex. withdrawal strategy?
Replies: 2
Views: 948

Combine U-shaped AA and Hebeler flex. withdrawal strategy?

There have been a couple of "seductive" and relatively new ideas discussed recently on the forum: "U-Shaped" asset allocation: Draw down to 50%? 30%? at beginning of retirement, then slowly increase stock allocation. Link: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=...
by jefmafnl
Sun Jan 12, 2014 3:58 pm
Forum: Investing - Theory, News & General
Topic: Increase in the threshold for tax brackets
Replies: 26
Views: 1793

Re: Increase in the threshold for tax brackets

To do a pro forma tax return for a future year, which is easier (quicker) to use...TaxCut, TurboTax, or something else? It would be great to be able to skip most of the "interview questions" and just put in estimates.

Thanks.

J
by jefmafnl
Fri Dec 06, 2013 4:50 am
Forum: Personal Consumer Issues
Topic: Digitizing old home movies...
Replies: 24
Views: 1960

Digitizing old home movies...

My wife and I live in Europe. We're going to the US for a few days in late December/early January to finish cleaning out my mother-in-law's house (she is now in assisted living). She has lots of old (1950's and 1960's) home movies in whatever format was standard then (35m???). They have probably det...

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