Search found 147 matches

by metalworking
Sat Dec 08, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Understanding TIPS
Replies: 36
Views: 3357

Re: Larry Swedroe: Understanding TIPS

When I read this article it makes me wonder if i do indeed need a financial advisor. Too many things i do not know.
by metalworking
Fri Dec 07, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 139
Views: 11885

Re: Who else is getting excited? [about the market]

Being excited about this seems a little like being excited your boss got hit by a car and now you have a shot at a job promotion. Seems kind of twisted to me. To each his own.
by metalworking
Thu Dec 06, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Solid my entire portfolio 12/3/18
Replies: 49
Views: 8447

Re: Solid my entire portfolio 12/3/18

I did this once with a much smaller amount in my retirement account and put it right back into the market. Fidelity emailed me and said I had made a "round trip" and if i did it again that there would be issues with that account. Just FYI.
by metalworking
Tue Dec 04, 2018 12:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 331
Views: 48098

Re: Roll Call for the Retirement Class of 2018!

Just graduated today. Walked out that door one last time. Thanks to all the Bogleheads for their help.
by metalworking
Mon Dec 03, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Retiring and accessing Non Governmental 457b
Replies: 2
Views: 361

Re: Retiring and accessing Non Governmental 457b

thanks for that. i am going to check with them today. in the past they haven't been the most knowledgeable group and i wanted to be prepared.
by metalworking
Sun Dec 02, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring and accessing Non Governmental 457b
Replies: 2
Views: 361

Retiring and accessing Non Governmental 457b

Retiring Dec 4 and plan to access my 457b as required. My only question is that after retirement my place of work has offered me a per diem contract. They may ask if i want to cover the rare emergency need (i can accept or decline at will). I won't be eligible for 403b or participation in 457 with t...
by metalworking
Thu Nov 29, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: unearned income and HSA
Replies: 2
Views: 270

Re: unearned income and HSA

thank you indexfundfan
by metalworking
Thu Nov 29, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: unearned income and HSA
Replies: 2
Views: 270

unearned income and HSA

trying to make sure i understand how an HSA affects my MAGI for the ACA. for simplicity let's say that i have no earned income but only dividends and capital gains. How does contributions to an HSA affect my MAGI. For example if i have $20000 in dividends and capital gains and contribute $6000 to my...
by metalworking
Thu Nov 15, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassing simple calculation question
Replies: 16
Views: 1189

Re: Embarrassing simple calculation question

thanks everyone for helping me with this. Love this forum.
by metalworking
Thu Nov 15, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassing simple calculation question
Replies: 16
Views: 1189

Embarrassing simple calculation question

I bought the 8 week treasury a few days ago. Treasury direct says the investment rate was 2.325%. I paid $19931.45 for a 20000 bill. I cannot do the math to figure out how that equals the TD stated rate. I get something around 2%. I am sure I am just being stupid but a little help would be appreciat...
by metalworking
Sun Sep 30, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Gift a car to daughter question
Replies: 6
Views: 808

Re: Gift a car to daughter question

Thank you Gill
by metalworking
Sun Sep 30, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Gift a car to daughter question
Replies: 6
Views: 808

Gift a car to daughter question

We are going to give our daughter a car. This is the last year she will be our dependent on taxes. The car is titled only in my name and is greater than $20000. I am unable to get a clear answer if I have to file the gift tax form to the IRS as she is a dependent. I am also unclear that since the ti...
by metalworking
Thu Aug 30, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity's calculator suddenly more optimistic?
Replies: 12
Views: 1780

Re: Fidelity's calculator suddenly more optimistic?

Check your amounts. The full view on fidelity is apparently no longer supported. My Vanguard accounts are tied into fidelity. For some reason on the last pull it now says I have a 6 million dollar account with Vanguard (sadly i don't). My understanding is that you have to sign up for e money.
by metalworking
Sat Aug 25, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Bond Fund Dividend discrepancy
Replies: 4
Views: 467

Re: Fidelity Bond Fund Dividend discrepancy

Thought I would try one more time before calling the department of labor just to make sure i wasn't missing anything. Here is the scenario again with numbers On May 31 had 41884 shares and I did add shares during the month of june. Dividend payout on 6/29 was $1018.88 and payout was recorded as 0.02...
by metalworking
Thu Aug 23, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Short Term Health Insurance regulation changes - good for age 62 retirement?
Replies: 82
Views: 4621

Re: Short Term Health Insurance regulation changes - good for age 62 retirement?

This thread has become really fascinating. I should not purchase a short term, high deductible policy with my own money - too much risk. I should not have other taxpayers subsidize my ACA access to health care. I didn’t work for a Megacorp or Government that provides continued health care in retire...
by metalworking
Thu Aug 23, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Any suggestions on which approach for a Will
Replies: 4
Views: 753

Any suggestions on which approach for a Will

My parents in their 80's are updating the Will. Their home consists of mother, father and son who is living with them. Son works part time but has medical diagnosis and issues that mean he only works a few hours a week minimum wage and is on social security disability. If my father passes first I do...
by metalworking
Tue Aug 14, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: First time ACA coverage with question
Replies: 21
Views: 1964

Re: First time ACA coverage with question

Thanks Huey Yes i did consider cobra but it would be >$2000/month. I did call the university today and they said even if we did not sign up for fall insurance that we could get spring coverage started 1/1/19 so i think that is what we would do. I think we will put her on student insurance even if it...
by metalworking
Mon Aug 13, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: First time ACA coverage with question
Replies: 21
Views: 1964

Re: First time ACA coverage with question

Marcopolo, Did you read the page 17 of form 8962? The example about Gary and his 25 year old nondependent son? https://www.irs.gov/pub/irs-pdf/i8962.pdf Yes. It is more likely we will be in scenario 4 (other allocation methods). If i understand it correctly. A portion of the premium paid, and the S...
by metalworking
Mon Aug 13, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: First time ACA coverage with question
Replies: 21
Views: 1964

Re: First time ACA coverage with question

thanks to everyone. just got back in town and will try and process all the new info.
by metalworking
Sat Aug 11, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: First time ACA coverage with question
Replies: 21
Views: 1964

First time ACA coverage with question

I will be applying for ACA coverage during open enrollment for 2019 the first time and have a question or two. Our daughter will be graduating college at the end of may 2019. She has a job starting with health insurance in june. I am sure she wont be filed as a dependent on our taxes next year. How ...
by metalworking
Wed Aug 01, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Bond Fund Dividend discrepancy
Replies: 4
Views: 467

Re: Fidelity Bond Fund Dividend discrepancy

That is indeed what it should have paid. It did not. Last months distribution was 0.023XXXXX/share and my dividend was higher last month than this month despite the 3 factors i mentioned in my first post. Fidelity could not explain this and is looking into it
by metalworking
Wed Aug 01, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Bond Fund Dividend discrepancy
Replies: 4
Views: 467

Fidelity Bond Fund Dividend discrepancy

Earlier this year i posted that my 403b bond fund (MWTSX)seemed to give me less of a monthly dividend than expected. Since i had made a contribution partway through the month I chose to ignore it figuring it was my error. Well the July dividend posted and although 1. the price per share was increase...
by metalworking
Sun Jul 22, 2018 4:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 331
Views: 48098

Re: Roll Call for the Retirement Class of 2018!

Miriam2 wrote:
Sat Jul 21, 2018 4:44 pm
metalworking wrote:
Sat Jul 21, 2018 4:39 pm
Bummer. Looks like i have been expelled from the class. Does this mean i can't retire? :D
Maybe you didn't turn in your last term paper :P
Thanks for allowing me back in the class. I thought my spouse may have called and said she couldn't stand the idea of me being home full time. :happy
by metalworking
Sat Jul 21, 2018 4:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 331
Views: 48098

Re: Roll Call for the Retirement Class of 2018!

Bummer. Looks like i have been expelled from the class. Does this mean i can't retire? :D
by metalworking
Mon Jul 16, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 10145

Re: What rate of return are you using for retirement projections?

JBTX wrote:
Sun Jul 15, 2018 5:50 pm
I use around 3.0% real for entire portfolio.

I suspect most people use the lowest number that safely still meets their objectives.
:sharebeer
by metalworking
Wed Jul 04, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000
Replies: 48
Views: 7020

Re: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000

DanMahowny wrote:
Wed Jul 04, 2018 6:04 pm
Yep. That's what I do, and I do it well.

Not too hard to tell if equities are expensive, or cheap.

It's common sense, not market timing.
So what are you doing now :D
by metalworking
Wed Jul 04, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Any RC hobbyists out there?
Replies: 9
Views: 1135

Re: Any RC hobbyists out there?

Dont know if you can find a road runner kit. The people in my club swear by it. Something similar is the ugly stick
by metalworking
Fri Jun 29, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: anyone know how i can be alerted to changes in the indexes
Replies: 8
Views: 751

Re: anyone know how i can be alerted to changes in the indexes

You're very welcome, OP. Pat yourself on the back for: (1) having an IPS, (2) realizing that checking the market frequently might trip you up in sticking to your plan/staying the course, and (3) thinking about creative ways to break the habit. :sharebeer It may sound silly but i think this would ke...
by metalworking
Fri Jun 29, 2018 9:30 pm
Forum: Investing - Theory, News & General
Topic: anyone know how i can be alerted to changes in the indexes
Replies: 8
Views: 751

anyone know how i can be alerted to changes in the indexes

I have developed a bad habit of frequently checking the market and would like to break it. I wrote an IPS and I was wondering if their was any way that I could set levels in the S&P 500 index (ie text me if S&P gets to 3000 or below 2300) where i would receive a text message. It may sound silly but ...
by metalworking
Fri Jun 29, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp good idea?
Replies: 25
Views: 2727

Re: Deferred Comp good idea?

Are you saying you have to take the full amount lump sum at some defined point in time or is it like my 457 where I can spread the total out over 10 years?
by metalworking
Sat Jun 23, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 22141

Re: Can you retire on $2M?

I have a rhetorical question. Why would anyone want to "retire" at age 40? What possibly would you do with all that time (that doesn't cost a lot of money)? Because when I turned 40 I saw my older sister hitting 50 have a suspected heart attack, my stepfather drop dead 6 months into retirement and ...
by metalworking
Sun Jun 10, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 169
Views: 24669

Re: Retire at 55, what's the magic number

The problem: Access to healthcare with guaranteed coverage for preexisting conditions. Without that I kiss early retirement goodbye. This is what I kept saying but I have come to believe that there will be no certainty in regards to healthcare for at least the next decade (likely longer). I honestl...
by metalworking
Wed Jun 06, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawing from non governmental 457
Replies: 4
Views: 219

Re: Withdrawing from non governmental 457

thanks. I do know that i can't roll it over as if it was a governmental plan. Yes i am asking that since my 457 is "deferred compensation" shouldn't i be able to contribute to a traditional IRA. For example if i get $10000 in deferred compensation next year can i contribute to a traditional IRA up t...
by metalworking
Wed Jun 06, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawing from non governmental 457
Replies: 4
Views: 219

Withdrawing from non governmental 457

Retiring at the end of this year and next year I will have to take some of my non gov 457b. I am going to withdraw the total amount over several years as I am trying to keep my taxable money low so that i can qualify for healthcare subsidy. If I find I have too much income for a subsidy can i reduce...
by metalworking
Tue May 29, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can we retire in 2018?
Replies: 103
Views: 9237

Re: Can we retire in 2018?

Just my 0.02 cents. Everything has a risk vs benefit and you will have to decide what you are comfortable with. I am in a similar situation (a little younger and a little higher asset amount). If you can maintain your MAGI in the subsidy range (and you should be able to) the price of insurance is mu...
by metalworking
Sun May 27, 2018 5:07 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 243
Views: 205162

Re: Please Try Out Test Posts Here

Sockeye wrote:
Tue Nov 07, 2017 12:59 am
Thanks. It appears the problem was that I needed to post once before having PM privileges.
testing
by metalworking
Sun May 27, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring and have questions about retirement accounts
Replies: 8
Views: 1077

Re: Retiring and have questions about retirement accounts

[/quote] If you terminate employment and are rehired later, you should be able to transfer it to an IRA. If you are merely changing the conditions of your employment, that might not be right. But saying that you will not be eligible to use their retirement plan ....it seems to me you are terminating...
by metalworking
Sun May 27, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring and have questions about retirement accounts
Replies: 8
Views: 1077

Re: Retiring and have questions about retirement accounts

I won't be drawing from my 403b I just wondered if i could transfer it all to an IRA since I might still have some employment income from the plan owner. I may be doing some Roth conversions in the future.
by metalworking
Sun May 27, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring and have questions about retirement accounts
Replies: 8
Views: 1077

Retiring and have questions about retirement accounts

I am retiring (early age 53) but may do minimal per diem work for the same company (maybe 1-2 shifts every other month). I talked to my HR department and if i do per diem they would still cover their half of social security but I would not be eligible for retirement accounts. So this makes me wonder...
by metalworking
Wed May 23, 2018 1:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 331
Views: 48098

Re: Roll Call for the Retirement Class of 2018!

Officially gave notice for Dec 2018. I figured it was helpful for them to have a longer notice and if they asked me to leave sooner i would smile and say thank you.
by metalworking
Tue May 01, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Savings bond Wizard says Rate N/A for I bonds
Replies: 19
Views: 2224

Re: Savings bond Wizard says Rate N/A for I bonds

thanks. guess it is possible but many of the bonds still display their yield. i'll try and update again tomorrow
by metalworking
Tue May 01, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Savings bond Wizard says Rate N/A for I bonds
Replies: 19
Views: 2224

Savings bond Wizard says Rate N/A for I bonds

I updated my united states savings bond wizard and for several of the I bonds (2008,2009,2014) it says the yield is N/A. I have never noticed that before and do not understand? I must admit i don't understand what the yield represents anyway but i don't think it should be N/A. Any thoughts

thanks
by metalworking
Thu Apr 26, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: When the market crashes...
Replies: 25
Views: 3933

Re: When the market crashes...

Did that in 2008-2009 with my retirement. I didn't pull anything out thankfully but new contributions went into money market. Regret doing that to this day as my balances would be so much higher today. Expensive lesson learned.
by metalworking
Sat Mar 31, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 14388

Re: What age is the best to give a child control of an inheritance?

We chose 21. She has been responsible and we have been aggressive with discussing saving/investing etc every since a young age. We told her that we would highly recommend if something happens to call vanguard/fidelity and use their advisory service to get her invested properly. We also told her that...