Search found 67 matches

by Uniballer
Sat Oct 21, 2017 9:13 am
Forum: Investing - Theory, News & General
Topic: Destination funds
Replies: 4
Views: 338

Re: Destination funds

Vanguard Target Retirement funds are considered a pretty good and very simple way to invest in tax-advantaged retirement accounts (e.g. 401K, tIRA, Roth...). You will probably need to break your portfolio down into separate equity and fixed income funds once you start needing taxable investment acco...
by Uniballer
Wed Oct 18, 2017 5:21 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 63
Views: 5576

Re: WPA2 protocol used by vast majority of wifi connections has been broken

One of my friend's is "Aditum Punctum LXIX" (latin for "access point 69")
by Uniballer
Mon Oct 09, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: 2018 IRA Limits Question
Replies: 3
Views: 408

Re: 2018 IRA Limits Question

The notice for 2017 was announced on October 27, 2016 (IR-2016-141).
by Uniballer
Thu Oct 05, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Help with In-Laws Request to Review their Portfolio from LPL Advisor
Replies: 8
Views: 789

Re: Help with In-Laws Request to Review their Portfolio from LPL Advisor

My parents used to have a taxable account (only) at LPL. They were invested all in load funds and with no concept of tax efficiency. There were no AUM fees on that account as a whole (I think $40 per trade or $30/yr if you didn't make any trades), but the funds they were sold sucked (front loads, hi...
by Uniballer
Tue Oct 03, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: ROTH Question
Replies: 4
Views: 632

Re: ROTH Question

Assuming that you are married filing jointly, then yes. Limits, as always, apply.
by Uniballer
Tue Oct 03, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Is a Roth conversion a good idea if you are in the 15% tax bracket?
Replies: 39
Views: 3745

Re: Is a Roth conversion a good idea if you are in the 15% tax bracket?

IMO Roth money is simply more valuable than taxable: no capital gains on growth. Ever. And it costs the same to convert tIRA money to Roth as it does to put it in taxable. There's just that pesky 5 year waiting period. Granted, if you knew that you would need the money right away then putting it in ...
by Uniballer
Tue Oct 03, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Cash on hand for emergencies
Replies: 41
Views: 2818

Re: Cash on hand for emergencies

"The Northeast blackout of 2003 was a widespread power outage that occurred throughout parts of the Northeastern and Midwestern United States and the Canadian province of Ontario on Thursday, August 14, 2003, just after 4:10 p.m. EDT. ... A New Yorker who lived through this told me about how people...
by Uniballer
Sat Sep 30, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: How Safe are Stable Value Funds
Replies: 24
Views: 2001

Re: How Safe are Stable Value Funds

At one time I had a lot of 401k money in Prudential's Guaranteed Interest Account. It was paying around 10% when I first used it, and they "guaranteed" that it would never pay less than 3%. It was impossible to get any reasonable discussion of risks concerning this fund, and Prudential could prevent...
by Uniballer
Sat Sep 30, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 6024

Re: Is it a waste of money having your furnace checked every year?

Do you understand your furnace well enough to repair it if there is a problem (and you had the parts)? If so, evaluate it looking for potential problems. If you look inside and see a pile of rust where the heat exchanger is supposed to be, or a motor capacitor that is swollen or leaking, then you sh...
by Uniballer
Wed Sep 27, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Qualified Charitable [Distributions] from Vanguard
Replies: 12
Views: 831

Re: Qualified Charitable Deductions from Vanguard

tj wrote:
Wed Sep 27, 2017 11:46 am
Why would they withhold tax on a qcd?
They are not investigating to see if the recipient is a qualified charity.
by Uniballer
Wed Sep 27, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Meaningful wedding gift?
Replies: 20
Views: 1607

Re: Meaningful wedding gift?

When Mrs. Uniballer and I got married we received all the usual food processors, electric knives and other kitchen gadgets. None of that stuff ever got used much (she doesn't cook, and I prefer a sharp knife). But she used the shower radio we received from one of my friends for years until it died. ...
by Uniballer
Wed Sep 27, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: I have an idea I want to bring to market
Replies: 30
Views: 1752

Re: I have an idea I want to bring to market

Start by talking to an attorney who knows something about intellectual property. Plan to spend some money to protect your idea in case it turns out to be innovative, marketable, and realizable. Your protection might include a patent, or maybe just non-disclosure and other agreements.
by Uniballer
Sun Sep 24, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: The right offer on a home
Replies: 10
Views: 1114

Re: The right offer on a home

mcfroggin wrote:
Sun Sep 24, 2017 8:20 am
Impossible to say. Get a realtor
A realtor has a conflict of interest in that they will get a bigger commission if you pay more for the property.
by Uniballer
Thu Sep 21, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Flooded out subdivision
Replies: 17
Views: 1637

Re: Flooded out subdivision

Will the National Flood Insurance Program continue to pay out ? I have heard claims that the program is over $25 billion in debt. If the man-made climate-change proponents are right then this is only going to get worse. I would be seeking to get as much value out of these properties as possible and ...
by Uniballer
Sun Sep 17, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Should I contact a lawyer?
Replies: 69
Views: 3617

Re: Should I contact a lawyer?

IANAL. The general concept of " work for hire " seems to apply to a teacher creating instructional materials for use in the classroom. You should not expect your digital and paper copies stored on their premises to be private. If the district is actually able to assert their claimed IP rights then t...
by Uniballer
Sun Sep 17, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Should I contact a lawyer?
Replies: 69
Views: 3617

Re: Should I contact a lawyer?

The outcomes of disputes of this nature may vary considerably by jurisdiction. The public school at which my wife teaches claims that all materials produced by the teacher for use in class are the intellectual property of the school district, regardless of whose resources were used to produce the ma...
by Uniballer
Sun Sep 17, 2017 6:44 am
Forum: Personal Consumer Issues
Topic: After Irma in need of............
Replies: 25
Views: 2299

Re: After Irma in need of............

If you are thinking emergency radio, how about the Eton FRX5? AM/FM/weather, NOAA alerts, crank, solar and battery powered and can charge a cell phone.
by Uniballer
Wed Sep 13, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Pimco PONDX increasing fee in 3 weeks - stay in?
Replies: 10
Views: 936

Re: Pimco PONDX increasing fee in 3 weeks - stay in?

FYI - Vanguard will let you buy PIMIX (Pimco Income Institutional) with a minimum investment of 25K. ER is currently 0.48%, and will go up 0.05% to 0.53%. It appears that Fidelity will let you buy PIMIX with a 100K minimum. Apparently Schwab also lets you buy PIMIX. It is unclear to me if there is a...
by Uniballer
Thu Sep 07, 2017 5:06 am
Forum: Investing - Theory, News & General
Topic: s&p total return chart with contributions
Replies: 11
Views: 1562

Re: s&p total return chart with contributions

It seems to me you could do this with the PortfolioVisualizer backtest tool . Put in your monthly contribution as a "Periodic Adjustment" of type "Fixed Contribution" and set up a portfolio with one holding, e.g. VFINX (Vanguard 500 Investor Shares). Of course, you could use any other portfolio you ...
by Uniballer
Tue Sep 05, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Dealing With Inherited Investments
Replies: 16
Views: 2082

Re: Dealing With Inherited Investments

indexonlyplease wrote:
Mon Sep 04, 2017 2:37 pm
I started laughing when I read your name.
Glad you enjoyed it. I posted a clarification in the "Your USER NAME...what does it mean?" thread.
by Uniballer
Tue Sep 05, 2017 10:09 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 31814

Re: Your USER NAME...what does it mean?

Mrs. Uniballer (she hates that name :wink: ) and I raised a Labrador Retriever puppy for Guiding Eyes for the Blind who turned out to be cryptorchid. So "Uniballer" became his nickname. I started using it on web forums, more or less in his memory, some years ago.
by Uniballer
Sun Sep 03, 2017 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing With Inherited Investments
Replies: 16
Views: 2082

Re: Dealing With Inherited Investments

Googling for "stock BSHPRA" found a bloomberg page that listed the correct name. Googling for "BRE Select Hotels Corp" led me to a site with an Investor relations page, including download links for recent financial statements.

Also, there are some SEC filings available here.
by Uniballer
Sat Aug 26, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: stopped check / holder in due course
Replies: 13
Views: 1250

Re: stopped check / holder in due course

Read this FTC opinion before you proceed. IANAL, but I doubt that you can be successfully sued in this case. Get legal help if you need it.
by Uniballer
Sat Aug 26, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Fixing Slow Drains
Replies: 40
Views: 3160

Re: Fixing Slow Drains

Chemical drain cleaners could affect the health of your septic system, if you have one. I prefer the drain auger (buy one you like because you will probably never need to buy another).
by Uniballer
Sat Aug 26, 2017 5:48 am
Forum: Investing - Help with Personal Investments
Topic: Exit Strategy from Northwest Mutual Advisor
Replies: 13
Views: 1654

Re: Exit Strategy from Northwest Mutual Advisor

Don't forget to examine the opportunity cost of paying more into those "investments". If your money is tied up in a variable annuity then it can't be earning higher returns elsewhere. Even a Vanguard annuity has much higher costs than just investing in index funds.
by Uniballer
Fri Aug 04, 2017 6:05 am
Forum: Investing - Theory, News & General
Topic: Dow up-Total Stock Market Index Fund Down??
Replies: 14
Views: 1335

Re: Dow up-Total Stock Market Index Fund Down??

The Dow is based on 30 stocks, and it is a price-based index (i.e. not weighted on market capitalization). As an aggregate, the prices of those 30 stocks have been rising for the past few days. But this does not say much about the entire US stock market. And if you only owned these 30 stocks you wou...
by Uniballer
Thu Aug 03, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: What Would You Do- Brokerage Transfer?
Replies: 9
Views: 473

Re: What Would You Do- Brokerage Transfer?

What is it costing you to stay with the current investments and advisor? What percentage of the assets are not transferable? Does it make sense to transfer the easy-to-move assets now, and wait to make decisions on the rest? Would you have purchased those investments at all knowing what you know now?
by Uniballer
Thu Aug 03, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Selling domain names
Replies: 4
Views: 578

Re: Selling domain names

If you are not getting frequent emails asking you to sell one or more of your domain names then I doubt that they are worth much.
by Uniballer
Thu Aug 03, 2017 8:06 am
Forum: Investing - Theory, News & General
Topic: Wells Fargo - what the kittens?
Replies: 36
Views: 2954

Re: Wells Fargo - what the kittens?

samsoes wrote:What does IMNTBMFHO mean? Somebody? :confused
In My Never To Be Mistaken For Humble Opinion
by Uniballer
Tue Aug 01, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Help with AA
Replies: 12
Views: 577

Re: Help with AA

We appear to (finally) be in a rising interest rate environment (of course that might change at any moment). Lower duration might indicate lower interest rate risks. That might lead to better returns for the foreseeable future. Behaviorally, that might make someone more likely to continue to hold it.
by Uniballer
Tue Aug 01, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Help with AA
Replies: 12
Views: 577

Re: Help with AA

ruralavalon wrote:Dodge &Cox Income (DODIX) ER 0.43% although actively managed is a good intermediate-term term bond fund with a modest expense ratio.
And it has a shorter duration than Vanguard Total Bond Market Index Fund (DODIX effective duration is currently 4.2 years).
by Uniballer
Tue Aug 01, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: What to do with this fund - KIFAX
Replies: 9
Views: 517

Re: What to do with this fund - KIFAX

cmoneymillz wrote:Should I just pull it out?!
Yes. It would need to do really well to overcome the load fee and high expenses. It may very well have actually made you some money on the dividends, but when reinvested they increase your cost basis which makes the loss look even worse.
by Uniballer
Thu Jul 27, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Timing of 401K Rollover
Replies: 9
Views: 688

Re: Timing of 401K Rollover

She may also want to leave the funds in her traditional 401K so that later she can easily make back-door contributions to a Roth IRA. The pro-rata rule will screw this up for her if she has pre-tax money in any IRAs. YMMV.
by Uniballer
Thu Jul 27, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 49
Views: 5158

Re: Why is everything done with a mouse?

Prior to using a web browser for most things, there was an awful lot of character cell interaction (aka text mode, or terminal emulation). That would be the type of interaction where "Y/N" to proceed, or selecting a menu item by number, was prevalent. Here I am typing this message, but I can click a...
by Uniballer
Wed Jul 26, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Contributions
Replies: 2
Views: 253

Re: Roth IRA Contributions

You are fine as long as you were eligible to contribute to a Roth IRA for those tax years (e.g. income limits).
by Uniballer
Wed Jul 26, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: help setting up vanguard target date fund
Replies: 3
Views: 351

Re: help setting up vanguard target date fund

If you want to get into a Target Retirement fund, then start selling funds. Vanguard will charge you $35 per trade on non-Vanguard non-NTF funds until you have $50,000 in Vanguard funds (then call them to get Voyager status to reduce trading costs to $20). Once the trades settle then you can buy the...
by Uniballer
Wed Jul 26, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: What is the portfolio role of a leveraged bond fund like PONDX?
Replies: 55
Views: 3061

Re: What is the portfolio role of a leveraged bond fund like PONDX?

Iliketoridemybike wrote: If that is the case why is PONDX only at 2.84 for duration?
PIMCO site is listing duration at 2.13 today (I have some PIMIX, same as PONDX but lower expense ratio).
by Uniballer
Wed Jul 26, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: How to read this graph comparing mutual funds?
Replies: 7
Views: 798

Re: How to read this graph comparing mutual funds?

It depends. VFIAX (S&P 500 Index Fund Admiral Shares) is invested 100% in US stocks. VBIAX (Vanguard Balanced Index Fund Admiral Shares) is approximately 60% US stocks and 40% US bonds. So these funds do not have the same goals, and should not be expected to make the same returns. If your asset allo...
by Uniballer
Tue Jul 25, 2017 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Investing Inheritance at age 24
Replies: 16
Views: 1804

Re: Investing Inheritance at age 24

Use the incoming inheritance money for expenses, if necessary, so that you can max out your tax-advantaged accounts (money you invest in a Roth now will probably be much more valuable to you later in life than anything else you can do). If you have enough left over then open a taxable account and pu...
by Uniballer
Thu Jul 20, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Stuck with a MAJOR annuity problem
Replies: 24
Views: 2522

Re: Stuck with a MAJOR annuity problem

I mean is it better that my father eat the surrender charges now as all these annuities are less than 2-3 years old???? Before I told my parents they should surrender the Jackson Elite Variable Annuity that they had been sold, I read the contract and worked up a spreadsheet that accounted for fees ...
by Uniballer
Sun Jul 16, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with this "mess" of taxable accounts
Replies: 3
Views: 627

Re: Help me with this "mess" of taxable accounts

I'm afraid I don't really see the "problem". It is not necessary to have your desired asset allocation in every account; it is more important to meet your asset allocation across all of your accounts. A unified portfolio, if you will. Stock index funds are generally more tax-efficient than bond fund...
by Uniballer
Sat Jul 15, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Elderly Grandparent's investment allocation
Replies: 18
Views: 1480

Re: Elderly Grandparent's investment allocation

You didn't say what she currently has for AA. So it is hard to say if anything should change. But in this case where she's already 95 and she has more than enough to cover her expenses -- combined with no real need for inheritance or a gifting legacy -- what's the point of that? OTOH it sounds like ...
by Uniballer
Sat Jul 15, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: 2017 RMD Timing
Replies: 33
Views: 2749

Re: 2017 RMD Timing

If the markets stay up then taking the RMD as late as possible makes the most sense because you will be removing a smaller percentage of the total account value, and leaving a greater percentage invested for growth. If the markets suffer a serious decline before you take your RMD then you will be re...
by Uniballer
Sat Jul 15, 2017 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Question about investment advisors
Replies: 6
Views: 669

Re: Question about investment advisors

My family business has several local investment advisors as clients. No way would I use any of them. There is a fee-only advisor within an hour's drive from me if I came down with something terminal and my wife wanted an advisor. There is no harm in listening to an investment salesman advisor as lon...
by Uniballer
Fri Jul 14, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Help with transferring IRA to Vanguard
Replies: 13
Views: 686

Re: Help with transferring IRA to Vanguard

You can't assume it's cheapest to move in kind and sell at Vanguard. Agreed. You have to find out what the costs (and other issues) are for the different approaches and handle it the best way. Of course, the OP could always tell EJ to just send him a check and do a 60-day rollover himself. But I ha...
by Uniballer
Fri Jul 14, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Help with transferring IRA to Vanguard
Replies: 13
Views: 686

Re: Help with transferring IRA to Vanguard

How can they refuse? It is your money. Just ask them what it would cost to liquidate everything to cash and close the account. Anything else is likely to cost more. I couldn't find EJ's fees to consolidate, but my parents had an account at LPL, and they wanted $40 per mutual fund purchase or sale, a...
by Uniballer
Fri Jul 14, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Help with transferring IRA to Vanguard
Replies: 13
Views: 686

Re: Help with transferring IRA to Vanguard

No tax consequences for selling funds in an IRA. Just commissions and fees.
by Uniballer
Fri Jul 14, 2017 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Minimizing capital gains taxes when moving to low-cost funds?
Replies: 10
Views: 1086

Re: Minimizing capital gains taxes when moving to low-cost funds?

I would also look at tax efficiency to help you decide what to sell first or continue to hold. For example, FKINX is generating non-qualified dividends that are taxed as ordinary income (just saying).
by Uniballer
Fri Jul 14, 2017 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Tax exempt bond fund in brokerage account
Replies: 11
Views: 1132

Re: Tax exempt bond fund in brokerage account

I think the point WoodSpinner was trying to make was that instead of holding 20% of your IRA in bonds, and 20% of your taxable account in bonds, you could hold all equities in your taxable account and enough bonds in your IRA to make up 20% of your total portfolio. Of course, you would not be able t...