Search found 501 matches

by WoodSpinner
Tue Feb 20, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Re-characterization Analysis -- Should I or Shouldn't I
Replies: 6
Views: 237

Re-characterization Analysis -- Should I or Shouldn't I

All, I could use some help in analyzing a tax question-- should I re characterize my Roth Conversion or leave it be? Background 1. I did an In-Kind Roth Conversion in 2017 of $34,315.45 (my very first one) into a new Roth Account. The only asset converted was VTI shares. 2. It looks like the Margina...
by WoodSpinner
Mon Feb 19, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Presenting a case for Pension vs. 403b
Replies: 6
Views: 691

Re: Presenting a case for Pension vs. 403b

I'm definitely aware and content with defined contribution plan (btw it's 6% of base salary plus 1.25% of the matching program (18.5K) so ~ 11K) The question comes down to how do I present a case for a defined contribution plan that is as reasonable as the pension plan. After all, it's a 1M differe...
by WoodSpinner
Sun Feb 18, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 119
Views: 9632

Re: Retirees: The common sense withdrawal method

From "simple Bogle Basics" to Bob's "Funded Ratio", there comes a point where, yes, to those that are aware and informed (most on the forum) things become intuitive and seem like "common sense". j :D I don't believe using the funded ratio for retirement planning is something that is intuitive for m...
by WoodSpinner
Tue Feb 13, 2018 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge - Platinum Honors
Replies: 31
Views: 3111

Re: Merrill Edge - Platinum Honors

OP,

I am a Merrill Edge client and have been very happy with their service, fund selection, and costs, Hard to go wrong. Plus their are add-on benefits through BofA that are valuable
by WoodSpinner
Tue Feb 13, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: I'm Lost Please Help Me :(
Replies: 20
Views: 2188

Re: I'm Lost Please Help Me :(

OP,

You might start at the beginning with the Bogleheads Getting Started Wiki.

You have had some very good recommendations, only additional thought is to establish an Emergency Fund as a priority.

Good luck!

WoodSpinner
by WoodSpinner
Sun Feb 11, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

All, Well the deed is done. The order is! Paperwork signed! Deposit paid! Lead time should be about 3 months! Still a bit nervous about the decision—it’s a pricey piece of machinery. Next big question — Are the extended warranties for th MB Sprinter chasis or the PLeasure-Way build/appliances worth ...
by WoodSpinner
Sun Feb 11, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning and Pre or Post Tax
Replies: 6
Views: 613

Re: Retirement Planning and Pre or Post Tax

Op,

Include any taxes required within the 4% withdrawal.

This is how I did it.

WoodSpinner
by WoodSpinner
Sat Feb 10, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: My Portfolio – Youngish Investor – Can I Improve?
Replies: 8
Views: 572

Re: My Portfolio – Youngish Investor – Can I Improve?

OP,

Probably the most important thing to do is keep saving and Live Below Your Means. 17 years is a long time, no need to make these kinds of plans now.

Trick is to find the balance to your life, find joy and adventure now, while putting away for tomorrow.

Well done!!

WoodSpinner
by WoodSpinner
Fri Feb 09, 2018 11:10 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

All, Thought I would update everyone on where we stand.... We are planning to buy a new 2017 Pleasure-way (PW) Plateau FL . Here are they key factors PW has a great reputation for quality. We have found a great deal of info on the PW FB groups as well as a number of You Tube channels. We really like...
by WoodSpinner
Thu Feb 08, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 245
Views: 15671

Re: free dinner investing seminar

Sorry, but some of your responses are "nuts." Why not enjoy a free, high end steak dinner, at somebody else's expense? I did my first a month or so ago and have another scheduled for next week. The first steak was absolutely delicious, and the next one is at the same place. I just received another ...
by WoodSpinner
Thu Feb 08, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: moving RMDs to taxable
Replies: 9
Views: 1048

Re: moving RMDs to taxable

No. You can not do an in kind transfer with an RMD. But there is no problem with “selling low” when you are also buying low. Think of it as more of an exchange. I do not believe you are correct .... https://www.kiplinger.com/article/retirement/T055-C000-S004-shift-stock-to-satisfy-your-rmd.html Woo...
by WoodSpinner
Wed Feb 07, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Fair Market Value of Annuity
Replies: 11
Views: 765

Re: Fair Market Value of Annuity

Excel’s NPV functionality should help . Assume Google sheets has something similar.
by WoodSpinner
Wed Feb 07, 2018 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for new investor
Replies: 3
Views: 389

Re: Portfolio review for new investor

I just started investing about a month ago by rolling over part of an old 401k to a traditional IRA. I chose Betterment since I am new to investing and their service manages everything for you. I felt it was a good way to get my feet wet. Then I opened a taxable account with them and deposited some...
by WoodSpinner
Tue Feb 06, 2018 10:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262541

Re: U.S. stocks in freefall

Hi all, Long time lurker, first time poster. The Bogleheads.org site is such a wealth of information, I learned how to set up an IPS, how to decide upon my asset allocation, the reason for having Bonds (that took me quite a while I'll admit...) and how to set comfortable rebalancing bands and inter...
by WoodSpinner
Tue Feb 06, 2018 1:04 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262541

Re: U.S. stocks in freefall

Looks like XIV is busted and will have to liquidate. There is also a large imbalance between the long vol and short vol products. I hate to mention Cramer but he is talking about this. We could be in store for a historic flash crash at the open quickly capitalized on by the algos. What are you all ...
by WoodSpinner
Sun Feb 04, 2018 7:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum's 11th Birthday - Feb. 19th
Replies: 27
Views: 1838

Re: Upcoming Forum Birthday (Feb. 19th)

All,

I am relatively new to this forum, but owe all of you an immense debt of gratitude. Since joining this forum, I have radically restructured my portfolio, developed an AA, Terminated my FA, and Retired.

WoodSpinner
by WoodSpinner
Sun Feb 04, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8855

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Missed it -- get message that the order didn't go through and contact Quicken Support ....
by WoodSpinner
Sun Feb 04, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

Disclaimer: We realize this decision is much more about a lifestyle choice than about straight economic analysis. Before I got married I spent months living out of a Ford Explorer and know quite a bit about Boondocking and Stealth camping. Its a really different experience than renting hotel rooms,...
by WoodSpinner
Sat Feb 03, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Flying Under Uncle Sam's Radar?
Replies: 17
Views: 2120

Re: Flying Under Uncle Sam's Radar?

Marsh43, The annuity/limp sum decision is a really difficult one and depends a great deal on personal circumstances. We recently had a detailed thread on the analytics of the decision that might be helpful. https://www.bogleheads.org/forum/viewtopic.php?t=236087 In addition, this Kitces article is w...
by WoodSpinner
Sat Feb 03, 2018 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: How to pay off margin and not get killed on taxes
Replies: 28
Views: 2368

Re: How to pay off margin and not get killed on taxes

I only make $14,000. A year from SSI disability tax free since FL has no state tax. I have paid $0 taxes for many many years. Only when I sold stock years ago and had capital gains did I pay the 15% taxes. My account now is with a discount broker Charles Schwab. Any income/dividends from stocks tha...
by WoodSpinner
Sat Feb 03, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

Disclaimer: We realize this decision is much more about a lifestyle choice than about straight economic analysis. Before I got married I spent months living out of a Ford Explorer and know quite a bit about Boondocking and Stealth camping. Its a really different experience than renting hotel rooms,...
by WoodSpinner
Sat Feb 03, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

We have a 2016 Pleasureway Plateau TS and like it very much. Not any major problems yet. Mobility is great, but storage space is limited, as you would expect. The on-demand hot water on ours is fussy but I believe Pleasureway has gone to a better brand. Things we newbies didn’t really think about w...
by WoodSpinner
Sat Feb 03, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8200

Re: Anyone else cashing out on *some* of the crazy earnings?

jebmke wrote:
Thu Feb 01, 2018 11:11 am
I have stopped re-balancing on the way up now that I have no carryover losses.
A little puzzled by this approach ...

Do you have tax deferred space to rebalance with?

What changed to make you feel comfortable with a different AA.

WoodSpinner :?:
by WoodSpinner
Fri Feb 02, 2018 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Year 5 as a Boglehead: No debt!
Replies: 5
Views: 1168

Re: Year 5 as a Boglehead: No debt!

Way to go! Pretty impressive accomplishment.

Kudos to your wife as well, nursing is a great career

WoodSpinner :sharebeer
by WoodSpinner
Fri Feb 02, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting portfolio/investment advice
Replies: 20
Views: 1402

Re: Requesting portfolio/investment advice

Jarhead, You seem to have built a very low cost, passive portfolio! Well done. It’s obvious you have quite a bit of experience and insight. Not sure I see why you would use a Chase Private Client service unless there are benefits I am missing. I didn’t do the math, how close are you to your desired ...
by WoodSpinner
Fri Feb 02, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: How to pay off margin and not get killed on taxes
Replies: 28
Views: 2368

Re: How to pay off margin and not get killed on taxes

OP,

Can you provide some more info?

Amounts? Current income? Tax bracket? State Tax? Filing status?

We need this info to help analyze tax plan..

WoodSpinner
by WoodSpinner
Fri Feb 02, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

Class B's are nice from a mobility & economy standpoint, but they are pricey. $100-$140K can go a long way in other, larger RV options..but, everything in RVs (or boats) are a tradeoff... Mobility/economy is not a bad thing. Take a look at Sportsmobile..not heard of much, but they are into Class B'...
by WoodSpinner
Fri Feb 02, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

Sigh, just had that conversation with my lovely wife .....
by WoodSpinner
Fri Feb 02, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401k Rollover clarification
Replies: 7
Views: 587

Re: Roth 401k Rollover clarification

OP, Fortuitous timing. I just completed a Rollover of my 401k and it was really quite easy. The brokerage takes care of the details and I really didn’t have to do much other than formally make the request. Pre-Tax Funds -> Rollover IRA Roth (contributions and earnings) -> Roth IRA After Tax Funds -...
by WoodSpinner
Fri Feb 02, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

We have a 2016 Pleasureway Plateau TS and like it very much. Not any major problems yet. Mobility is great, but storage space is limited, as you would expect. The on-demand hot water on ours is fussy but I believe Pleasureway has gone to a better brand. Things we newbies didn’t really think about w...
by WoodSpinner
Fri Feb 02, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

I bought a new 2014 Airstream Interstate Class B and have used it for 4 years, 40k miles, perhaps 300 nights. It was not our first RV. 1. There is plenty of room inside for two of us. Sleeping is fine. The couch folds into a Cali King, and we unroll a 1” piece of foam onto it. 2. It is easy to park...
by WoodSpinner
Fri Feb 02, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

Roadtrek owner here for 5 years. It has been a phenomenal journey and continuing. Make sure it is the lifestyle you are looking for ,space wise. We own a 20ft Roatrek Agile,perfect for the 2 of us. As you mentioned we can go most anywhere,and boondocking options are endless. Fits perfectly in parki...
by WoodSpinner
Fri Feb 02, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

With ALL forms of RV, pay close attention to the capacities. My parents own a camper that is legally overweight once the propane and fresh water tanks are full. I would never buy from a manufacturer that blatantly skirted safety regs like that. Seems to be a common practice. Excellent advice!! Thanks
by WoodSpinner
Fri Feb 02, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

So far we have looked hard at Airstream, Roadtrek and Pleasure-Way -- any suggestions for other manufacturers to check out? Have you looked at Leisure Travel Vans? They are gorgeous. We full time in a 41 foot class A and there are lots of places we cannot get in, but we love having all the space an...
by WoodSpinner
Fri Feb 02, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

Class B's are nice from a mobility & economy standpoint, but they are pricey. $100-$140K can go a long way in other, larger RV options..but, everything in RVs (or boats) are a tradeoff... Mobility/economy is not a bad thing. Take a look at Sportsmobile..not heard of much, but they are into Class B'...
by WoodSpinner
Thu Feb 01, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

We have enjoyed a Class A for many years and I have no recent experience with other types of RV’s but may be able to offer some general suggestions. - As previously mentioned take a very close look at the used market, specifically 1 to 3 years old. Not only will you save a lot of money but hopefull...
by WoodSpinner
Thu Feb 01, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

We have a 2007 Roadtrek Agile we bought used. Love traveling in it, mostly National Park road trips. The thing I have gotten used to is, “it’s always something”, as in costs for repair in addition to usual maintenance. But, worth it. We do like our Sprinter chassis due to being able to stand up ins...
by WoodSpinner
Thu Feb 01, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Re: Tips on Buying a Class-B RV

Hate to rain on your parade but..... I bought a new 2015 Airstream Interstate Class B. Ordered it and took possession in May of 2014. I sold it a couple months ago after 3 1/2 years and 36,000 miles. The Airstream part was good with very few issues, the Mercedes Sprinter engine unfortunately was no...
by WoodSpinner
Thu Feb 01, 2018 12:37 am
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7523

Tips on Buying a Class-B RV

All, My wife and I are planning on buying a Class-B RV and we are looking for some tips on planning the purchase and budgeting for routine expenses. Background Me 58, DW 57, both of us are now retired as of Dec2017 Federal Tax Rate 22%, State 9.3% (CA) Retirement is well funded, I have a pension and...
by WoodSpinner
Wed Jan 31, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 6
Views: 603

Re: Portfolio advice

TessaLiz, What is your current and Target Asset Allocation? Since you cover your expenses from other income, your retirement nest-egg should be in pretty good shape. Do you have a goal in mind for this money? Charity? Passing it on to others? Travel? Long Term Care hedge? Congrats, enjoy retirement!...
by WoodSpinner
Wed Jan 31, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: 2 Basic Questions from a newbie
Replies: 13
Views: 1101

Re: 2 Basic Questions from a newbie

Hello All, I'm seeking some advice and answers to some basic questions. I'm a young guy who is looking to start investing. I've been reading the wiki and Bogle's books and articles (amongst others') and seem to be convinced this is the course I want to pursue. Question 1: A hypothetical example: if...
by WoodSpinner
Tue Jan 30, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's advice on bond portion of portfolio
Replies: 42
Views: 5876

Re: Vanguard's advice on bond portion of portfolio

I'm having trouble talking myself out of using CDs at least for short-term duration, if not also intermediate. For example, Vgd's short-term bond fund (ETF ticker BSV) is yielding 1.64% with average maturity of 2.7 years. Meanwhile, I can get that same yield with a 1-yr CD, or about 2.3% at 2 years...
by WoodSpinner
Tue Jan 30, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's advice on bond portion of portfolio
Replies: 42
Views: 5876

Re: Vanguard's advice on bond portion of portfolio

OP, Can we get some more info: 1. How old are you, how many years to retirement? 2. Do you have a set of short term expenses that you are trying to fund from the bond fund (e.g. a Liability Matching Portfolio?) 4 bond funds seems a bit complicated but not sure if there are situational inputs we are...
by WoodSpinner
Tue Jan 30, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Early retired: Realize capital gains now, or live off muni interest?
Replies: 8
Views: 745

Re: Early retired: Realize capital gains now, or live off muni interest?

OP, Congrats on being in such good shape... Best strategy will require more information... What expenses do you need to fund from the portfolio? What other sources of income do you have? Are you considering Long Term Capitol Gains or Short Term? Given the right strategy you should be able to minimiz...
by WoodSpinner
Tue Jan 30, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Still working out of greed or fear?
Replies: 46
Views: 4933

Re: Still working out of greed or fear?

OP, How about Option C - Ignorance (AutoPilot) . In my case, it snuck up on me. I have been on AutoPilot, living below my means, savings and never really thought I was ready to retire. Mostly because I hadn’t really done the research or analysis on how much I would need and how it would all work. Fo...
by WoodSpinner
Mon Jan 29, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: File a Form 8606 when converting from a deductible Rollover IRA to a Roth?
Replies: 8
Views: 628

Re: File a Form 8606 when converting from a deductible Rollover IRA to a Roth?

In 2017, my girlfriend had converted some of her Rollover IRA to her Roth IRA. This is the first year that she is using TurboTax (TT) to file her taxes. She indicated that TT is telling her that she will need to file a Form 8606. She indicated that the Rollover IRA is all pre-tax which makes it a d...
by WoodSpinner
Mon Jan 29, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's advice on bond portion of portfolio
Replies: 42
Views: 5876

Re: Vanguard's advice on bond portion of portfolio

OP, Can we get some more info: 1. How old are you, how many years to retirement? 2. Do you have a set of short term expenses that you are trying to fund from the bond fund (e.g. a Liability Matching Portfolio?) 4 bond funds seems a bit complicated but not sure if there are situational inputs we are ...
by WoodSpinner
Sun Jan 28, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: FIRECalc et al. - user experience
Replies: 11
Views: 959

Re: FIRECalc et al. - user experience

OP, For Monte Carlo style simulations, I highly recommend, Flexible Retirement Planner and building out you own customized model. It’s not magic, you have to have a solid understanding of the inputs and learn to see the trends in the outputs. For my planning I started with a deterministic model (Exc...
by WoodSpinner
Sun Jan 28, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Roth Conversion bring about increased Medicare Premiums?
Replies: 10
Views: 858

Re: Can a Roth Conversion bring about increased Medicare Premiums?

I note that single taxpayers with adjusted gross income above $85,000 ($170K joint) pay higher Part B and Part D Medicare premiums. Normally, not to worry; however, large TIRA to Roth conversions could increase income in the year of conversion above the threshold and have the unintended consequence...
by WoodSpinner
Sat Jan 27, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Donate RMD to charitable organization
Replies: 9
Views: 658

Re: Donate RMD to charitable organization

More info, I’m 56, still working part time making about 65k/year, 105k/yr counting wife’s income as well. Married and we both max out our Roth’s $6,500 every year, wife max’s her employers 401k of 6%. We have about 85% of investments in tax deferred accounts so going forward I will pay my income ta...