Search found 971 matches

by teacher
Tue Jan 09, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 144
Views: 8739

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

2424
First year I have been pessimistic. I hope I'm wrong, but what goes up must come down.
by teacher
Mon Jan 08, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Zacks Investment Research vs Morningstar
Replies: 4
Views: 420

Re: Zacks Investment Research vs Morningstar

Thank you. I was introduced to M* on this board and use it to get background data on our funds. We are staying the course, but we all have biases we like confirmed. :happy
by teacher
Mon Jan 08, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: Best online calculator(s) for state income taxes?
Replies: 9
Views: 1163

Re: Best online calculator(s) for state income taxes?

I don't know if it is the "best" but for a ballpark figure, I have used this:
https://smartasset.com/retirement/retirement-taxes
by teacher
Mon Jan 08, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: Zacks Investment Research vs Morningstar
Replies: 4
Views: 420

Zacks Investment Research vs Morningstar

Hopefully, this isn't a stupid question. After reading this article that encourages skipping (VGHAX) for other health care sector funds (not mentioned), I doubt the veracity of "Zacks Investment Research", because Moringstar states, "Vanguard Health Care continues to shine as one of the industry's b...
by teacher
Fri Jan 05, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2395

Re: RMD First-Timer needs help

Lynetter wrote:
QCDs can only be taken from IRAs and not 401K.
Well, that squashes that idea. I plan to do my last ROTH conversion with the last bit of my tIRA this year. I wonder why 401ks don't qualify for QUDs. A Medicare IRMAA reduction would be most appreciated.
by teacher
Thu Jan 04, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2395

Re: RMD First-Timer needs help

I appreciate these added details very much. It's the kind of background information I need. Even though I will use Fidelity's calculations, etc., I feel I can double check the withdrawal amounts independently, now. I'm so glad I posted this thread.
by teacher
Thu Jan 04, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2395

Re: RMD First-Timer needs help

vested,

Would you trust the accuracy of this RMD calculator from Investor.gov?

https://www.investor.gov/additional-res ... calculator
by teacher
Thu Jan 04, 2018 12:50 am
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2395

Re: RMD First-Timer needs help

QCDs are a good idea. It's time I look into using them. Thanks for the reminder and the link.
by teacher
Wed Jan 03, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2395

Re: RMD First-Timer needs help

ralph124cf I will definitely do this, and thank you for the specific instructions. I greatly appreciate it. celia In casual conversation, DH and I say, we "pay" RMDs but we know it's actually a forced withdrawal from the tax-deferred account which triggers a taxable event, 2.6% of the deferred mone...
by teacher
Wed Jan 03, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2395

Re: RMD First-Timer needs help

Thanks !!!
by teacher
Wed Jan 03, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2395

Re: RMD First-Timer needs help

It's likely I may have misunderstood. The tax preparer set up a meeting this month during busy tax season about DH's RMDs exclusively, so I thought February 2018 was the deadline since he turns 70.5 then. But now, after doing a little research, I realize his RMDs are not due until April 1st of 2019,...
by teacher
Wed Jan 03, 2018 12:00 am
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2395

Re: RMD First-Timer needs help

Thanks for the heads up, Gill. I will question the timing when we meet with the tax preparer.

Also, I appreciate everyone's input.
by teacher
Tue Jan 02, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2395

Re: RMD First-Timer needs help

DH turns 70.5 at the end of February this year. His birthday is in August. Our tax preparer thinks we would pay twice if he doesn't pay RMDs this February. Does that make sense?
by teacher
Tue Jan 02, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2395

Re: RMD First-Timer needs help

pshonore DH turned 70 in August 2017. We are trying to avoid paying two RMDs in one year. sometimesinvestor “Most likely you will want to pay the IRS out of a different source than your 401k as any payment of taxes coming out of your 401k will result in additional taxable income (everything coming ...
by teacher
Tue Jan 02, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 2395

RMD First-Timer needs help

The day of reckoning is here. DH needs to pay his first RMD before the end of February. (His 401k is in Fidelity.) I have been using this calculator to get an idea what will need to be taken out of his 401k. RMD CALCULATOR–Investor.gov https://www.investor.gov/additional-resources/free-financial-pla...
by teacher
Sun Dec 31, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Long Term Care Premium Increase Decision
Replies: 7
Views: 554

Re: Long Term Care Premium Increase Decision

Phineas J. Whoopee wrote: I want the option to stay home with a health aid... That is our wish, also. We want to be prepared to be able to stay in our own home. We bought this policy due to it's unique flexibility. It allows family members to be compensated for providing assistance if it is deemed n...
by teacher
Sun Dec 31, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Long Term Care Premium Increase Decision
Replies: 7
Views: 554

Re: Long Term Care Premium Increase Decision

In our neck of the woods, the cost of long term care can reach six figures in one year....for each of us.

2017 Cost of Long Term Care By State
http://longtermcareinsurancepartner.com ... e-by-state
by teacher
Sun Dec 31, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Long Term Care Premium Increase Decision
Replies: 7
Views: 554

Long Term Care Premium Increase Decision

After 14 years of no Long Term Care premium increases, we finally got our letter requiring a 15% premium increase with a promise there will be more increases in future. If we don’t want to pay the increase, (knowing more are on the horizon) here are the options: •Reduce the benefit level to reflect ...
by teacher
Sun Dec 31, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: Do any of you follow Bob Brinker?
Replies: 64
Views: 6731

Re: Do any of you follow Bob Brinker?

I listened to Bob Brinker in the car. He got me thinking about investing, particularly about creating a "critical mass".
by teacher
Sun Oct 08, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 75
Views: 39556

Re: Can't freeze credit at Experian?

Neither of us are on the list, but we decided to freeze our accounts, regardless. We successfully froze our accounts with the exception of my account at Experian. One of the questions to affirm identity asked if I had ever lived on a street which happens to be where my mother lived. I said, "no" as ...
by teacher
Sat Sep 23, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 11
Views: 794

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

I decided to get another BP monitor and chose an Omron which is a digital unit, so it does not require a stethoscope. I can't get it calibrated on the weekend, but will do so Monday. This machine is reading much lower, in fact about 20 points lower, which reduces my anxiety about the whole blood pre...
by teacher
Sat Sep 23, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 11
Views: 794

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

Thanks for your response, livesoft. I took the first bp monitor to two different Kaiser locations, and results were very close. The reason accuracy is important is results of four readings a day for seven days is part of the decision whether there is a need for medication. Ten to twenty points highe...
by teacher
Sat Sep 23, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 11
Views: 794

BP monitor inaccurate–how to recalibrate? Or replace with which brand?

We bought a Microlife BP monitor, an arm cuff model, from Costco in February, and doc said to have it "calibrated". Apparently, "calibrated" only means to check to see if the home monitor is accurate, not actually adjust it for accuracy. The Microlife monitor was 20+ points higher than the BP monito...
by teacher
Sun Sep 17, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: identity verification with Equifax?
Replies: 6
Views: 755

Re: identity verification with Equifax?

When I froze Equifax, they only asked for the last six numbers of the Social Security number.
by teacher
Sun Aug 13, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 7574

Re: What Percentage CASH are you?

self talk wrote: 10% per Warren Buffett`s thinking. I wasn't aware Warren Buffett has instructed the trustee of his wife’s inheritance to put 90% of her money into a very low-fee stock index fund and 10% into short-term government bonds until I googled it after reading your comment. Does a 90/10 ass...
by teacher
Sat Aug 12, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone moved to another state for lower cost of living?
Replies: 72
Views: 11645

Re: Anyone moved to another state for lower cost of living?

We live in NorCal, smack-dab between Tahoe and San Francisco, a couple hours either way. We take advantage of overnight, or even just day trips to the Pacific coast, the Sierra Mountains or Lake Tahoe on a whim. We also take advantage of everything SF and enjoy Napa a couple times a year. As someone...
by teacher
Thu Aug 10, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 7574

Re: What Percentage CASH are you?

We have 10% in a MM, but much of it is earmarked savings for insurance and taxes, and savings for repairs for house and car replacements, and for new appliances, carpet, roof, etc. These funds are not part of our Asset Allocation. We are both retired with one pension and one social security benefit.
by teacher
Wed Aug 09, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Remodel or move?
Replies: 8
Views: 854

Re: Remodel or move?

We took the remodel route. We thought we were missing out on what new homes have to offer, but after months of looking at new houses, we came to appreciate our house more. We like the unique floor plan, our mature trees (minus the squirrels) and easy access to shopping, and of course the very low pr...
by teacher
Sun Jul 30, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 5087

Re: Wooden flooring in kitchen

We chose walnut engineered wood in the kitchen rather than tile because wood is so much easier on my feet than tile. DH wanted tile, but my bad feet were the deciding factor. The walnut is a nice contrast with our cherry cabinets we had installed the same time as the floor, and the cabinet maker mad...
by teacher
Thu Jul 27, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 96
Views: 10683

Re: Is it still worth buying a house in a state with insane property taxes

e5116 wrote: ....don't even talk to me about California from a cost perspective... California's property tax structure is preferable for those who stay in their homes long term, in my opinion. Since 1979, property is taxed at 1% of assessed value, and it restricts increases in assessed value to 2% p...
by teacher
Thu Jul 27, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 96
Views: 10683

Re: Is it still worth buying a house in a state with insane property taxes

Landlords have to pay property taxes on rentals, so I would think the cost of "insane property taxes" is baked into the rent.
by teacher
Thu Jul 27, 2017 9:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 159
Views: 24418

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

thirdman wrote: My sister who had a Flagship account thru me had less than the one million minimum. When she "upgraded" she found out she was no longer a Flagship client. Furthermore, her Prime Money Market Fund which had less than the $3000 minimum was converted to a Federal Money Market Fund, payi...
by teacher
Thu Jul 27, 2017 8:50 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 20697

Re: How are folks handling the unprecedented rise in the market ?

We have about 10% of the value of our portfolio in a money market in our credit union. Those funds help us "Stay the Course" because they are not part of our asset allocation. The market does not tell us when to buy or sell. If, no, WHEN there is another recession, we will hang on tight as usual.
by teacher
Wed Jun 14, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Deck replacement- Composite material recommendations
Replies: 22
Views: 2903

Re: Deck replacement- Composite material recommendations

After putting in a new deck several years ago, if I had to do over, I would look into Brazilian wood instead of redwood. I have seen it once at our neighbors, and even though it was put in around the same time as ours, it looked brand new. Ours has lost all the beauty of a new redwood deck. Apparent...
by teacher
Wed Jun 14, 2017 11:11 am
Forum: Investing - Theory, News & General
Topic: Favorite Active Funds?
Replies: 22
Views: 3279

Re: Favorite Active Funds?

We have held Vanguard Health Care fund – Admiral and Vanguard Capital Opportunity fund – Admiral for decades. Capital Opportunity is closed and has a $25,000 annual contribution limit. The Health Care fund requires $50,000 initial contribution with no annual contribution limit. Vanguard Health Care ...
by teacher
Sat Jun 10, 2017 12:26 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 13186

Re: Jim Rogers predicting "crash of a lifetime" this year or next

jimnicol After nearly a decade of succumbing to variable annuities, a product commonly sold to teachers, I saw an add in the newspaper for a financial adviser. We met with him and he recommened getting out of the annuities and investing in the Vanguard Wellington fund which we did. We got lucky. He ...
by teacher
Tue Apr 25, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: RMD for 2017?
Replies: 13
Views: 1789

Re: RMD for 2017?

Very interesting, Alan. As things are now, we will be boosted into a higher tax bracket when RMDs are an issue, so it's good to know RMD tables have changed in the past and may possibly change in the future. DH will be 70 next year so a higher age cutoff can't come soon enough.
by teacher
Sun Apr 23, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: RMD for 2017?
Replies: 13
Views: 1789

Re: RMD for 2017?

Alan S wrote: I wish the Tables would change, since that would lower RMDs somewhat. The tables last changed in 2002 and prior to that in the mid 80s so we are due for a change in the next couple of years. So, since the last change was part of a tax cut, can I assume the change was lower percentage w...
by teacher
Sun Apr 23, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 45936

Re: Larry Swedroe says "Goodby."

When I tell others about this community, I say it is non-political and polite. It is very disturbing it's been proven otherwise with Larry Swedroe's reasons for departure.
by teacher
Fri Apr 21, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: How inefficient is it to hold Total Bond Index in a taxable account?
Replies: 40
Views: 6321

Re: How inefficient is it to hold Total Bond Index in a taxable account?

Excellent thread. I'm here to learn, so my post will alert me of further comments the next few days.
by teacher
Fri Apr 21, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 97
Views: 13827

Re: Single most important investing advice?

For me, the single most important advice was learn how to become an independent investor, with the help of my friends at Bogleheads, of course. :happy
by teacher
Wed Apr 19, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 131
Views: 18344

Re: Great 403b for teachers?

If the NEA really wanted to help us, they would not promote a company that sells their membership variable annuity products. Instead, they would have Vanguard or Fidelity as the company on their website selling their products. I believe this would make it easier to have those options added to our c...
by teacher
Wed Apr 19, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 131
Views: 18344

Re: Great 403b for teachers?

I couldn't agree more, EdLaPave. So much needs to be improved, including at the national level. It may help to develop a curriculum to be shared in lunch rooms across the nation. It could include factoids like this: One percent of the current portfolio in fees equates to 10% in ten years, or 2% equa...
by teacher
Wed Apr 19, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 131
Views: 18344

Re: Great 403b for teachers?

This is an effort to improve investment options and provide transparency about costs of options in 403b plans at the national level. "The 403(b) Model Disclosure Form, as it’s called, will set transparency standards and give school employees a comparison of their investment options and the fees that...
by teacher
Tue Apr 18, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 131
Views: 18344

Re: Great 403b for teachers?

EdLaFave wrote: How does CTA (the union) have their own plan? What is it called? Here's the Link for the CTA (California Teachers Association) 403b/457 Plans: http://ctainvest.org/home/403b-457-Plans.aspx It is exclusive to California educators, but I would ask around to see if your state teacher's ...
by teacher
Wed Apr 12, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: New Home - Design Center Options - making smart choices
Replies: 30
Views: 3296

Re: New Home - Design Center Options - making smart choices

Our son's experience was any upgrades from the design center translated to an increase in the mortgage for the duration. He decided to limit upgrades so he wouldn't be paying interest on those options for 30 years.
by teacher
Wed Mar 08, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to finance a home addition?
Replies: 5
Views: 889

Re: How to finance a home addition?

We did our home improvement projects on our tri-level house in four stages. The first three stages were financed with twelve month/no interest loans. After each phase was completed, we paid it off in cash we had saved to renovate. We didn't bother getting a loan for the last phase and just paid in c...
by teacher
Sun Feb 26, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: Buffett Annual Letter 2016 [Jack Bogle is a hero]
Replies: 69
Views: 7137

Re: Buffett Annual Letter 2016 [Jack Bogle is a hero]

Remember when we corresponded with the White House and our representatives in support for Jack Bogle to get the " Presidential Medal of Freedom"? https://www.bogleheads.org/forum/viewtopic.php?t=202233 I am still wondering, "Where Is John C. Bogle's Presidential Medal Of Freedom?" https://www.forbes...
by teacher
Wed Feb 22, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 20348

Re: Why do you go to restaurants?

Robot Chef That Can Cook 2,000 Meals Set To Go On Sale In 2017 http://www.iflscience.com/technology/robot-chef-home-could-arrive-2017/ "After a long, drawn out day in the office, it’s not always easy to motivate yourself to cook a proper meal when you get home. Instead of reaching for the saucepan,...
by teacher
Tue Feb 21, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?
Replies: 90
Views: 9232

Re: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?

Retired for seven years/two years (DH), but not in withdrawal phase yet. Equities (59%): AT&T Total U.S. Market Index Fund (401k) Vanguard Total Stock Market, Admiral–VTSAX (ROTH and tIRA) Vanguard Health Care Admiral, Admiral–VGHAX (ROTH) Vanguard Capitol Opportunity Admiral–VHCAX (ROTH) Vanguard T...