Search found 6901 matches

by tadamsmar
Mon May 23, 2016 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about Bonds in Taxable accounts
Replies: 9
Views: 839

Re: Questions about Bonds in Taxable accounts

I my case, I don't have little or no room in the 15% bracket to do Roth conversions, so I think in terms of the more ample room in the 25% bracket. I plan to start some Roth conversions this year or next, but I am not sure of the limit. The 25% bracket for a married couple filing jointly goes to abo...
by tadamsmar
Mon May 23, 2016 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Questions about Bonds in Taxable accounts
Replies: 9
Views: 839

Re: Questions about Bonds in Taxable accounts

Just because Total International hasn't shown much love in the last few years doesn't mean it won't going forward. It's PE is significantly more attractive than Total US. OTOH you will find it distributes more income as dividends over the last 12 months, 1.9% vs. 2.8% which with the expectation of ...
by tadamsmar
Mon May 23, 2016 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Questions about Bonds in Taxable accounts
Replies: 9
Views: 839

Questions about Bonds in Taxable accounts

If I put a bond fund (like TBM) in taxable, I guess it generates income in the form or interest payments? The value of a bond fund can go up and down, of course. If it the value goes up while in a taxable account and I sell it at a profit, does that generate income? It that considered a capital gain...
by tadamsmar
Mon May 23, 2016 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Most affordable option for a will
Replies: 61
Views: 3636

Re: Most affordable option for a will

In addition to a will, it's a good idea to have these documents: POA, Health care POA, Advanced Directive.

When I went to a lawyer about a will, he also prepared those.
by tadamsmar
Fri May 20, 2016 2:51 pm
Forum: Investing - Theory, News & General
Topic: Burton Malkiel: "I think [commodities] should be in every portfolio."
Replies: 35
Views: 2674

Re: Burton Malkiel: "I think [commodities] should be in every portfolio."

I never allocate 5% to anything. When I think about it, it will have no significant impact one way or the other, and you will likely track it and stress about it all out of proportion to its importance. The only reason to do that is if you have some kind of compulsion to act. You can perhaps play a ...
by tadamsmar
Fri May 20, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Most affordable option for a will
Replies: 61
Views: 3636

Re: Most affordable option for a will

What's a good but affordable option for a will/estate. I'm in Colorado. Very simple: 1. Have brother get kids (in event of death). 2. Have brother use life insurance/savings to raise kids til 18 and then give leftover to split between them. Seems simple enough that there should just be a form that ...
by tadamsmar
Fri May 20, 2016 1:27 pm
Forum: Investing - Theory, News & General
Topic: Burton Malkiel: "I think [commodities] should be in every portfolio."
Replies: 35
Views: 2674

Re: Burton Malkiel: "I think [commodities] should be in every portfolio."

Malkiel thinks commodities should be in every portfolio, but Malkiel does not think commodities should be in every portfolio.

Did I get the jest of it? :wink:
by tadamsmar
Wed May 18, 2016 9:29 pm
Forum: Investing - Theory, News & General
Topic: Lesson learned (about Social Secuirty)
Replies: 17
Views: 2932

Re: Lesson learned (about Social Secuirty)

I overlooked the opportunity to invest some of the proceeds from that farm sale in more SS. There is no option for this. The ONLY way you can "invest" in SS is by you or your spouse having wages that are subject to SS premiums. The higher the annual income (with a current maximum of $118,...
by tadamsmar
Wed May 18, 2016 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Convert TSP to Roth?
Replies: 5
Views: 399

Re: Convert TSP to Roth?

I would suggest leaving enough in the TSP to cover the amount you will ever want to have in the G fund. The benefit of the G fund is greater than the tax advantage of converting and paying the tax from taxable money. Therefore, it probably isn't worth converting with an all-G TSP account. Convertin...
by tadamsmar
Wed May 18, 2016 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Convert TSP to Roth?
Replies: 5
Views: 399

Re: Convert TSP to Roth?

Why do you want to convert if your tax rate will not change? Is it to benefit heirs? Assume you have $100 in tax deferred and $25 in taxable. Scenario 1, you don't convert and your investments double and you consume it all. You consume $250 - (200*.25 + $25*.15) = $196.25 (that is, you consume all ...
by tadamsmar
Wed May 18, 2016 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Convert TSP to Roth?
Replies: 5
Views: 399

Convert TSP to Roth?

I have taxable funds to pay the tax on Roth Conversions. My wife has a TSP and she is already having to take RMDs from all her tax-deferred accounts. So, I am looking at doing Roth conversions on her accounts first and most of the money is in the TSP. My tax bracket would be the same (25%) when I am...
by tadamsmar
Wed May 18, 2016 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Is Wikipedia wrong about SS Widow Benefits
Replies: 6
Views: 728

Re: Is Wikipedia wrong about SS Widow Benefits

I just took out the "not" which negates the statement and (ironically) I left the same "verifying" citation: https://www.ssa.gov/planners/survivors/ifyou5.html This page, like all of ssa.gov, uses terms with unclear definitions so it can "verify" two contradictory propo...
by tadamsmar
Wed May 18, 2016 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 9264

Re: Take my SS at 62 or wait?

rai wrote:I also don't see the idea of looking at your current state of health and your family history as market timing, but more like stastical analysis.


:idea:

Trading on your personal health status is insider trading, not timing.
by tadamsmar
Tue May 17, 2016 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Is Wikipedia wrong about SS Widow Benefits
Replies: 6
Views: 728

Is Wikipedia wrong about SS Widow Benefits

Is this incorrect?:

If the worker earned delayed retirement credits by waiting to start benefits after their normal retirement age, the surviving spouse will not have those credits applied to their benefit


https://en.wikipedia.org/wiki/Social_Se ... ted_States)#Widow.28er.29_benefits
by tadamsmar
Tue May 17, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 9264

Re: Take my SS at 62 or wait?

I'd rather have the extra money to spend in my 60s and 70s than in my 80s and 90s (very unlikely I will live that long, anyway). I think delaying SS is mainly for people who have taxable savings or some source of funds to substitute for the SS checks. Not sure exactly what the term "having the...
by tadamsmar
Mon May 16, 2016 12:26 pm
Forum: Investing - Theory, News & General
Topic: Lesson learned (about Social Secuirty)
Replies: 17
Views: 2932

Re: Lesson learned (about Social Secuirty)

Yes, she could have suspended. If she is not yet 70, she could still suspend and collect DRCs (though doing so would turn off your benefit as her spouse, if you happen to be collecting one). She's over 70. But thanks for confirming what I thought was the case about my oversight. On top of that, am ...
by tadamsmar
Mon May 16, 2016 10:31 am
Forum: Investing - Help with Personal Investments
Topic: When to start Social Security. A different take
Replies: 107
Views: 9538

Re: When to start Social Security. A different take

Oddly enough, I assumed that the SS actuaries set the early vs late payout to be roughly equal, i.e., people can't game the system. When running the numbers based on average life expectancy at birth, as I did, the numbers for early vs late withdrawal come out almost the same, as one would expect. W...
by tadamsmar
Mon May 16, 2016 10:13 am
Forum: Investing - Help with Personal Investments
Topic: When to start Social Security. A different take
Replies: 107
Views: 9538

Re: When to start Social Security. A different take

I'm assuming a very conservative 5% return on our investments. If you are comparing that to Social Security, then you are assume 5%+ real return, because SS is indexed to wage inflation which is higher than price inflation. There is a huge risk in investing for 5%+ real return and no risk with SS s...
by tadamsmar
Mon May 16, 2016 9:58 am
Forum: Investing - Theory, News & General
Topic: Lesson learned (about Social Secuirty)
Replies: 17
Views: 2932

Lesson learned (about Social Secuirty)

Assuming I have my facts right, I missed a good opportunity. My wife started SS at age 63. At the time I did not try to talk her out if it, in part because it was her decision, but also I did not have have any taxable savings so I am not sure how I would finance the delay. About the time she turned ...
by tadamsmar
Mon May 16, 2016 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 9264

Re: Take my SS at 62 or wait?

I always opted for deferred gratification on pensions (2) and Social Security at age 70 (2 more years). If you don't really need the money now, are in good health,have decent longevity genes, and it is not preventing you from some significant upgrade in standard of living then waiting will give you...
by tadamsmar
Sun May 15, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 9264

Re: Take my SS at 62 or wait?

joebh wrote:If I understand what you are now trying to say, I believe your conclusion that "delaying SS is male unfavorable on an actuarial basis" is incorrect.
Maybe this will help? http://www.obliviousinvestor.com/social ... ts-single/


Yeah that helps a lot, thanks!
by tadamsmar
Sun May 15, 2016 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 9264

Re: Take my SS at 62 or wait?

The wiki seems to imply that a typical male should start it early" It does say "Since females outlive males on average, single males will live fewer years than a unisex person and should take it earlier". The article doesn't exactly specify what "earlier" means in this cont...
by tadamsmar
Sun May 15, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 9264

Re: Take my SS at 62 or wait?

The wiki seems to imply that a typical male should start it early unless there is some available favorable strategy involving spousal or widow benefits, since delaying is actuarially unfavorable if the only the male's personal benefit is considered: https://www.bogleheads.org/wiki/Social_Security I ...
by tadamsmar
Sun May 15, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 9264

Re: Take my SS at 62 or wait?

One thing I should point out: The cost is 31% of the benefits you get in your 66th year. The units used are such that 1 unit = the benefit you get in your 66th year if you start SS then. So 0.31 = 31% of one unit. So, if you get $12,000, the estimated long run cost is less that $4000. It's a pretty ...
by tadamsmar
Sat May 14, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 9264

Re: Take my SS at 62 or wait?

I did an analysis that calculates a loss of 31 cents per dollar taken at age 66 instead of 70. I used the Social Security Life Table for males. Those are deaths per 100,000 newborns, The accumulation is total SS accumulation at death and assumes every person starts SS on their birth day and dies mi...
by tadamsmar
Sat May 14, 2016 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 9264

Re: Take my SS at 62 or wait?

I did an analysis that calculates a loss of 31 cents per dollar taken at age 66 instead of 70. I used the Social Security Life Table for males. Those are deaths per 100,000 newborns, The accumulation is total SS accumulation at death and assumes every person starts SS on their birth day and dies mid...
by tadamsmar
Fri May 13, 2016 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 9264

Re: Take my SS at 62 or wait?

You can make the decision month to month. Say your monthly check would be $1500. That $1500 check either goes into your bank account or it goes to buy a really cheap annuity that is inflation-adjusted based on wage inflation which tends to run higher than price inflation. And, you are one of the few...
by tadamsmar
Fri May 13, 2016 7:22 am
Forum: Investing - Theory, News & General
Topic: Why do dividends vary so much?
Replies: 7
Views: 779

Why do dividends vary so much?

I have a taxable accounts holding Vanguard Total International and Vanguard TSM.

I am kind of surprised that quarterly dividends vary so much.

For instance, the last two for Total International:

Mar. 2016 $686
Dec. 2015 $1683

Why so much difference quarter to quarter?
by tadamsmar
Thu May 12, 2016 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to file a restricted social security application online for spousal benefits only
Replies: 4
Views: 252

Re: How to file a restricted social security application online for spousal benefits only

Is there any reason to delay spousal benefits beyond my FRA? I might still be working after my FRA. I plan to retire in November, but I might be working or consulting after that since we have to hire someone to replace me and I don't want to leave my employer in a lurch if the hiring does not go so ...
by tadamsmar
Thu May 12, 2016 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to file a restricted social security application online for spousal benefits only
Replies: 4
Views: 252

How to file a restricted social security application online for spousal benefits only

Has anyone filed a restricted application for spousal benefits only online? I was playing around with the online social security application. I have some questions about how to file online for a restricted application. I will be 66 on Nov. 9, 2016. As far as I can see, there is not place in the appl...
by tadamsmar
Sat Apr 23, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 5279

Re: A Month in Manhattan

reggiesimpson wrote:
tadamsmar wrote:I went to a Late Show taping. Tickets are free at showclix.com.
.


Thanks tadamsmar we will definitely hit the show.
Is Johnny Carson still the host?


Stephen Colbert is the host.

(I guess you were kidding?)
by tadamsmar
Fri Apr 22, 2016 7:18 pm
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 5279

Re: A Month in Manhattan

I went to a Late Show taping. Tickets are free at showclix.com.
by tadamsmar
Thu Mar 24, 2016 9:48 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 486
Views: 107405

Re: Rick Ferri looking to internationalize his portfolio

Rick, In your blog linked in the OP, you said that you were waiting for the media hype after a sovereign debt default in 2015. Here's another blog, posted one year after yours, speculating about a sovereign debt default in 2016 : http://www.marketwatch.com/story/will-2016-be-a-year-of-sovereign-debt...
by tadamsmar
Sat Mar 12, 2016 7:52 am
Forum: Investing - Theory, News & General
Topic: Your stock funds closed at highest [so far] of 2016 today
Replies: 35
Views: 4456

Re: Your stock funds closed at highest [so far] of 2016 today

A great week in the stock markets just happened. All your stock funds should have closed at the highest level for all of 2016 so far. OK, they did not close higher than on December 31, 2015, but that's gonna happen at some point. And for you that always write that you don't peek, what are you readi...
by tadamsmar
Mon Feb 15, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Do your doors leak money on cold days?
Replies: 27
Views: 2546

Re: Do your doors leak money on cold days?

greg24 wrote:I don't store my money near my doors, so this isn't a problem for me.


Properly adjusting your strike plate also has the effect of ensuring that your dead latch works, preventing a thief from carding the door to your house where perhaps some of your valuables are stored.
by tadamsmar
Mon Feb 15, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: Do your doors leak money on cold days?
Replies: 27
Views: 2546

Re: Do your doors leak money on cold days?

To keep this actionable, does the OP have a door problem that needs fixing? According to the forum rules, it's not actionable "If readers can't do anything with the content of a topic". The readers could fix their door leaks, perhaps using the methods that the writer outlined in the OP. T...
by tadamsmar
Mon Feb 15, 2016 7:46 pm
Forum: Personal Consumer Issues
Topic: Can you do taxes for more than one person with tax software?
Replies: 13
Views: 1060

Can you do taxes for more than one person with tax software?

I know this is perhaps package specific, but I was having trouble quickly figuring out the answer for HR Block software.

My mother in law asked if I can do her taxes. I am wondering if I can do it with the package that I already own. Or will I have to buy another one?
by tadamsmar
Mon Feb 15, 2016 7:34 pm
Forum: Personal Consumer Issues
Topic: Do your doors leak money on cold days?
Replies: 27
Views: 2546

Re: Do your doors leak money on cold days?

There is an interesting idea in this thread. It's the notion that if you don't block all the leaks then there is no point in blocking any of the leaks. You will get infiltration until the pressure is equalized anyway, and the stack effect will cause a relentless inequality of pressures. If a balloon...
by tadamsmar
Mon Feb 15, 2016 7:30 pm
Forum: Personal Consumer Issues
Topic: Do your doors leak money on cold days?
Replies: 27
Views: 2546

Re: Do your doors leak money on cold days?

LadyGeek wrote:To keep this actionable, does the OP have a door problem that needs fixing?


I edited the post to explain the obvious.
by tadamsmar
Mon Feb 15, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: Do your doors leak money on cold days?
Replies: 27
Views: 2546

Re: Do your doors leak money on cold days?

LadyGeek wrote:To keep this actionable, does the OP have a door problem that needs fixing?


I was looking for better ideas and I may be finding them in this thread.
by tadamsmar
Mon Feb 15, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: Do your doors leak money on cold days?
Replies: 27
Views: 2546

Re: Do your doors leak money on cold days?

Because of stack effect a door is a minor issue compared to basement and attic. http://www.energyvanguard.com/blog-building-science-hers-bpi/winterizing-your-home-dont-caulk-the-windows I did my attic pull down door first. I ended up putting window locks on it to press it against the seals. You can...
by tadamsmar
Mon Feb 15, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Do your doors leak money on cold days?
Replies: 27
Views: 2546

Do your doors leak money on cold days?

I have 3 outside doors (one to my garage). The main door was properly installed and is tight when the dead bolt is engaged. The other two only have dead latches, no dead bolt. One has a adjustable strike plate that can be adjusted to keep it tight. But it's close to to tight and once in a while it d...
by tadamsmar
Mon Feb 15, 2016 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Is a Will required?
Replies: 14
Views: 1464

Re: Is a Will required?

If you or your spouse inherent real estate then it will probably not be joint, so you will have to deal with that. Without a will, it will be divided according to the intestate laws in your state and some might go directly to you kids and not to step-kids that were not adopted by the inherenting spo...
by tadamsmar
Sat Feb 13, 2016 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Will required?
Replies: 14
Views: 1464

Re: Is a Will required?

I have a friend that lives in New Jersey. His wife died recently. Their bank account was a joint account. When the bank found out that his wife died, they froze half of the account assets until he went to the bank with a their will and her death certificate. All of my wife's and my accounts and pro...
by tadamsmar
Wed Feb 10, 2016 10:30 am
Forum: Investing - Help with Personal Investments
Topic: An advantage of merging Vanguard accounts
Replies: 5
Views: 754

Re: An advantage of merging Vanguard accounts

Can you go from MF to stocks quicker also?
by tadamsmar
Mon Feb 08, 2016 8:46 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 486
Views: 107405

Re: Rick Ferri looking to internationalize his portfolio

In your blog, the topic of this thread, you say: Currently, 70% of my stock allocation is in US equity and 100% of my bond allocation is in US bonds. Sometime in 2015, I may shift my portfolio to a more global stock and bond allocation. But now you are making a general argument against shifting to ...
by tadamsmar
Thu Feb 04, 2016 1:03 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 486
Views: 107405

Re: Rick Ferri looking to internationalize his portfolio

I slightly negative on the idea of foreign bonds. I look to fixed income for yield and portfolio stability. From that perspective, there's no advantage to paying more in fees for hedged international bond funds that yield less than US bonds. The slight diversification benefit of owning foreign bond...
by tadamsmar
Thu Feb 04, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 8040

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

Bustoff wrote:
tadamsmar wrote:Being a Boglehead, I bought the cheapest LED light bulbs ... I now look like the walking dead.

I gotta have some of those...where did you get them?


Lowes. They were 40 watt, less than $3 for a 2-pack if I recall correctly.

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