Search found 33 matches

by mizchief
Sun Aug 26, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Colorado Vacation
Replies: 17
Views: 2005

Re: Colorado Vacation

There is a great wolf sanctuary near Westcliffe. Mission Wolf, http://www.missionwolf.org/ They give free tours and visiting is also free, but they run on donations . The place has a lot of solar power and greenhouses, so it is interesting beyond the wolves. You can camp there too. We volunteered fo...
by mizchief
Mon Aug 29, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: My beloved Subaru just bit the dust...now what?
Replies: 27
Views: 4381

Re: My beloved Subaru just bit the dust...now what?

Is a single car feasible for your family? How far is your commute? How was the 95 degree ride home? ( I regard anything under 100 degrees as do-able, but my bike route is shaded and I take a shower when I get home) . Do you have access to Uber/Lyft for backup when it rains? Disclaimer: We remain a t...
by mizchief
Sat Aug 27, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: T-Mobile New 'One' Plan
Replies: 27
Views: 5223

Re: T-Mobile New 'One' Plan

Tmobile coverage is fine in our city; much poorer coverage in rural areas. When traveling with someone with AT&T, my friend had much better coverage along rural highways. I would ask someone with T-mobile in your area about their experience. Tmobile service has been great the few times I've used the...
by mizchief
Thu Jul 28, 2016 8:57 am
Forum: Personal Investments
Topic: Redemption fees for Fidelity Index (nee Spartan) Funds
Replies: 24
Views: 3194

Re: Redemption fees for Fidelity Index (nee Spartan) Funds

A 90 day redemption fee would give me a huge pause because it would hinder Tax Loss Harvesting if the market does a sudden drop. I invested in Vanguard's Total Stock Market Index last December, exchanged for a Large Capital Index in January, and then rebalanced back to Total Stock Market in February...
by mizchief
Thu Mar 10, 2016 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Public Health (MPH) as a career choice...
Replies: 19
Views: 3513

Re: Public Health (MPH) as a career choice...

Majors usually change several times before locking in. Have her go in with an open mind and take courses in which she might have a career interest. +1 She is young. Likely she really has very little idea of courses she is interested in, where her talents lie, and what opportunities are ahead. Many ...
by mizchief
Fri Mar 04, 2016 3:49 pm
Forum: Personal Investments
Topic: Is TIAA the opposite of Bogle? Massive confusion- help please
Replies: 32
Views: 3621

Re: Is TIAA the opposite of Bogle? Massive confusion- help please

You can definitely do Bogle-type investing at TIAA-CREF. In fact we just met with our advisor (both my spouse and I have accounts there). After an initial meeting they decided that we wanted an "aggressive" allocation, and today showed us the recommendation. It's computer-generated and is about 10 d...
by mizchief
Thu Mar 03, 2016 6:37 pm
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 10738

Re: Cast Iron Frying Pans

We cook a lot. Nothing fancy, but everyday meals. Love my All-Clad set except for the Teflon coated pieces. We've had our set 15 years, and the Teflon is wearing off. So, for a frypan, I prefer our cheap (Lodge) cast iron pan. I'm strong; the weight does not bother me. Great for eggs. For acidic dis...
by mizchief
Mon Feb 29, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: I am presenting on Vanguard vs. AXA, can you help?
Replies: 54
Views: 6196

Re: I am presenting on Vanguard vs. AXA, can you help?

Have your prospective people watch "The Retirement Gamble", a compelling mini-doc that stresses the impact of fees:

http://www.pbs.org/wgbh/frontline/film/ ... nt-gamble/
by mizchief
Fri Feb 19, 2016 1:00 pm
Forum: Personal Investments
Topic: Roth withdrawals for my med school daughter?
Replies: 2
Views: 415

Re: Roth withdrawals for my med school daughter?

Tuition paid directly to a college is not subject to gift tax rules. So I wonder if it makes sense for you to keep the Roth in your name and pay the tuition directly if you want to avoid filing the gift tax forms.

Is your daughter already accepted into a medical school?
by mizchief
Thu Feb 18, 2016 11:47 am
Forum: Personal Investments
Topic: Taxable Investment Accounts--ideas?
Replies: 12
Views: 1765

Re: Taxable Investment Accounts--ideas?

livesoft wrote: If you look at your 2015 tax return, you should have about $40,000 in dividends on the bottom half of Schedule D. And at least $30,000 to $35,000 of those dividends should be qualified. See your Form 1040 lines 9a and 9b. Your line 8a should be less than $10. Your line 13 should alw...
by mizchief
Tue Feb 09, 2016 8:06 pm
Forum: Personal Investments
Topic: Move 401k to stable value and lose no more principal
Replies: 14
Views: 2216

Re: Move 401k to stable value and lose no more principal

What is the yield of the stable value fund?
by mizchief
Tue Feb 09, 2016 8:04 pm
Forum: Personal Investments
Topic: Move to another house after 10 months??
Replies: 35
Views: 3767

Re: Move to another house after 10 months??

The commute is what I would think about. Every minute you are in the car is a minute away from your kids. You never get those minutes back. So how much would the new country living increase your time in the car, away from the kids? Can they run to other houses to play with other kids or would you be...
by mizchief
Tue Feb 09, 2016 7:11 pm
Forum: Personal Consumer Issues
Topic: Math and Computer Science
Replies: 69
Views: 6027

Re: Math and Computer Science

This isn't your question, but I wonder if you should reconsider your question about your nephew's aptitude. This is what college is about, figuring out what your aptitude, figuring out what you love, figuring out a major, perhaps resisting parent's who want you to major in something because they thi...
by mizchief
Tue Feb 09, 2016 6:01 pm
Forum: Personal Investments
Topic: Fidelity or TIAA-Cref for retirement account
Replies: 3
Views: 881

Re: Fidelity or TIAA-Cref for retirement account

Houseblend, you are correct, I mispoke. My plan has a single R3 fund Cref Equity Index (QCEQIX-.29%) The remaining are indeed Institutional class funds. There are enough of them to do a Boglehead kind of plan. -TIAA International Equity (0.06%) -TIAA SP 500 Index (.06%) -TIAA Small Cap Index (.13%) ...
by mizchief
Tue Feb 09, 2016 5:54 pm
Forum: Personal Investments
Topic: Retirement / financial planning with heavy TIAA-CREF
Replies: 32
Views: 4852

Re: Retirement / financial planning with heavy TIAA-CREF

I do not know if switching your Lifecycle funds is a good idea or not as I am a novice. I didn't have much in Lifecycle in my accounts so it was a no-brainer to move the funds into the cheaper Index funds in my account that fit my allocation. If you go to the TIAA-Cref website, and click on the fund...
by mizchief
Tue Feb 09, 2016 12:57 pm
Forum: Personal Investments
Topic: Fidelity or TIAA-Cref for retirement account
Replies: 3
Views: 881

Fidelity or TIAA-Cref for retirement account

Our 403(b) plan allows us to roll funds between the different providers. We are rolling our Valic 403(b) into our Fidelity 403(b) or TIAA-CREF 403(B) as these have better choices for funds. Both T-C and Fidelity 403(b)'s have low-cost index funds (TIAA-CREF has R3 index funds and has TIAA-tradtional...
by mizchief
Tue Feb 09, 2016 12:47 pm
Forum: Personal Investments
Topic: Retirement / financial planning with heavy TIAA-CREF
Replies: 32
Views: 4852

Re: Retirement / financial planning with heavy TIAA-CREF

Careful, I am not an expert, but I can tell you how I am looking at our multiple accounts and asset allocation through my new Boglehead eyes. Between my spouse and I , we have more than 13 accounts, some of them are old 403(b)'s, taxable, Roths, etc. They are in 5 firms: Tiaa-Cref, Fidelity, Valic, ...
by mizchief
Mon Jan 25, 2016 3:31 pm
Forum: Investing - Theory, News & General
Topic: Getting from here to there with your portfolio - how did you do it?
Replies: 12
Views: 1442

Re: Getting from here to there with your portfolio - how did you do it?

I am in the middle of this. I read a lot of the boglehead wiki's. Then, with my spouse I made a plan for our asset allocation (Equity: Bonds/Fixed Income: Real Estate in TIAA-Cref). I then did an excel spreadsheet with all of our accounts and figured out the % in each of these three classes. I switc...
by mizchief
Mon Jan 25, 2016 3:23 pm
Forum: Personal Investments
Topic: Retirement / financial planning with heavy TIAA-CREF
Replies: 32
Views: 4852

Re: Retirement / financial planning with heavy TIAA-CREF

Is it possible that you or your spouse also has a 457 plan in addition to your 403(b) at work? I contributed for many years to just the 403(b) without realizing that I could contribute an additional 18K/year in a 457 account that I did not know that my work had. Call your Benefits office; they will ...
by mizchief
Mon Jan 25, 2016 10:59 am
Forum: Personal Investments
Topic: How to switch from High cost Brokerage account
Replies: 24
Views: 2253

Re: How to switch from High cost Brokerage account

I checked our records and fortunately, my spouse has kept a record of all transactions so we can figure out cost-basis. So the general strategy is to: 1) transfer all funds to Vanguard 2) Use Taxcaster to determine taxes on the capital gains as we sell the funds. 3) Sell off enough funds this year t...
by mizchief
Sat Jan 23, 2016 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Not Sure Which Federal Tax Form to File
Replies: 14
Views: 1724

Re: Not Sure Which Federal Tax Form to File

My understanding is that 1099 can be filed either under the student or the parent tax form, but it is preferable to be under the student's in case of unqualified educational expenses. (These are taxed at the income bracket of the filer, plus 10%, and the student will almost always be in a lower tax ...
by mizchief
Fri Jan 22, 2016 6:47 pm
Forum: Personal Investments
Topic: How to switch from High cost Brokerage account
Replies: 24
Views: 2253

Re: How to switch from High cost Brokerage account

We have all of the transactions. There weren't many beyond the initial investment, but there are all the dividends that were reinvested. We have all of those records; we downloaded the quarterly statements (but never looked at them).
by mizchief
Fri Jan 22, 2016 6:35 pm
Forum: Personal Investments
Topic: How to switch from High cost Brokerage account
Replies: 24
Views: 2253

Re: How to switch from High cost Brokerage account

Update, repeated on top post: -I've sold the 3 positions with overall losses. Is the next step to transfer the remaining funds "in kind" to Vanguard? I could also go with Fidelity and use Spartan Funds since I have accounts at both places. (I toyed with the idea of transferring to TDAmeritrade where...
by mizchief
Tue Jan 19, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: Bike or hike trip
Replies: 22
Views: 2994

Re: Bike or hike trip

this site lists tons of organized bike tours. All over the place in location and in price.

http://www.bikingbis.com/category/bike-touring/
by mizchief
Thu Dec 31, 2015 3:09 pm
Forum: Personal Investments
Topic: Request Help with Our Plan to Simplify Our Retirement Accounts
Replies: 9
Views: 1298

Re: Request Help with Our Plan to Simplify Our Retirement Accounts

You're looking at this the wrong way. It has nothing to do with being at the end of the mortgage life. How much interest you pay is a function of how much you still owe, what the interest rate is and how much your paying each month (your payment)....... Effectively, immediately paying off a 40k loa...
by mizchief
Thu Dec 31, 2015 10:10 am
Forum: Personal Investments
Topic: Request Help with Our Plan to Simplify Our Retirement Accounts
Replies: 9
Views: 1298

Re: Request Help with Our Plan to Simplify Our Retirement Accounts

I very much appreciate the thought and suggestions everyone has put into our situation. @bdp Pay off your mortgage today. I looked into paying off the mortgage, but since it is at the end of the mortgage life, there is not much interest left, about $2000. So I don't think we will pay off our mortgag...
by mizchief
Mon Dec 28, 2015 7:00 pm
Forum: Personal Investments
Topic: Request Help with Our Plan to Simplify Our Retirement Accounts
Replies: 9
Views: 1298

Re: Request Help with Our Plan to Simplify Our Retirement Accounts

Interesting idea, and opens up a strategy I had not considered. Is this important to do in 2015?
by mizchief
Mon Dec 28, 2015 10:58 am
Forum: Personal Investments
Topic: Request Help with Our Plan to Simplify Our Retirement Accounts
Replies: 9
Views: 1298

Request Help with Our Plan to Simplify Our Retirement Accounts

Background : Our investments are spread all over the place in old work 403b’s, new 403(b)’s/457’s, and a taxable account. I’d like to consolidate them and, having read through the Boglehead wiki, simplify and lower our costs. Emergency funds : 3 months (very stable jobs) Debt : Mortgage of 42K, wil...
by mizchief
Wed Dec 23, 2015 7:41 am
Forum: Personal Investments
Topic: Tangled Portfolio Needs Untangling
Replies: 18
Views: 2402

Re: Tangled Portfolio Needs Untangling

I think it is possible that Valic may have mislead you. The annuity program Valic Portfolio Director has a 1% wrap fee in addition to the expense fee of each mutual fund. This means that what Valic told you, "VALIC advised that the annuity works very much like a mutual fund investment" is not true, ...
by mizchief
Tue Dec 22, 2015 12:18 pm
Forum: Personal Investments
Topic: Real-life, real-time wash sale & TLH documented
Replies: 149
Views: 38778

Re: Real-life, real-time wash sale & TLH documented

Thanks again for the explanation! I missed that you were going to have a distribution! Yay! Another "mistake"! I love that you tried to make every "mistake" in the book. I'm trying to think if there are any more you could possibly include. The only other thing I can think of is if your wife or you h...
by mizchief
Tue Dec 22, 2015 11:12 am
Forum: Personal Investments
Topic: Real-life, real-time wash sale & TLH documented
Replies: 149
Views: 38778

Re: Real-life, real-time wash sale & TLH documented

Thank you for this example; this is fascinating to watch unfold in real time. And, as a novice, I'm learning a lot. I have two questions: 1) Could you have avoided the complication with your wife's IRA if you (she) had exchanged her investment into an alternative equity the day before you did your w...
by mizchief
Thu Dec 10, 2015 11:02 pm
Forum: Personal Investments
Topic: How to switch from High cost Brokerage account
Replies: 24
Views: 2253

Re: How to switch from High cost Brokerage account

Thanks for all the advice! So fast too! The move sounds complex, but I think I know what to do . This move will also allow me to hold bonds in my tax-advantaged account, and hopefully index funds will yield less in capital gains each year. When we set up the account in 2006, we felt like we needed a...
by mizchief
Thu Dec 10, 2015 6:42 pm
Forum: Personal Investments
Topic: How to switch from High cost Brokerage account
Replies: 24
Views: 2253

How to switch from High cost Brokerage account

JANUARY 2016 UPDATE with QUESTIONS: Thanks all, it would be wonderful to have help with the next step. I've sold the 3 positions with overall losses. Is the next step to transfer the remaining funds "in kind" to Vanguard? I could also go with Fidelity and use Spartan Funds since I have accounts at b...