Search found 1719 matches

by retiringwhen
Fri May 29, 2020 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Two accountants disagree - Bogleheads for the tiebreaker
Replies: 64
Views: 3676

Re: Two accountants disagree - Bogleheads for the tiebreaker

Thanks, Mark. I've been surprised everyone has just been assuming this is acceptable. OP, the tax code prevents the assignment of income to whomever you please. Gill I am no expert, but it would seem like a real estate partnership where both are active, it would be possible to execute a legal schem...
by retiringwhen
Fri May 29, 2020 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Two accountants disagree - Bogleheads for the tiebreaker
Replies: 64
Views: 3676

Re: Two accountants disagree - Bogleheads for the tiebreaker

Alternate years who gets the most income, so they both pay FICA each year to get SS credits, but each hit the limit every other year. Say 95% income to wife first year, 5% to husband. Or some other ratio (maybe even 50:50 LOL!) If they do 90/10 (or whatever) split while swapping each year, the pair...
by retiringwhen
Tue May 26, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Sister died without will in NJ; trying to help nephews
Replies: 8
Views: 1711

Re: Sister died without will in NJ; trying to help nephews

bsteiner +1 !

OP, he knows his stuff both Estates and NJ, you can bank in his info!
by retiringwhen
Tue May 26, 2020 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Sister died without will in NJ; trying to help nephews
Replies: 8
Views: 1711

Re: Sister died without will in NJ; trying to help nephews

Since she had no will, a request for administration (aka appoint the executor) will need to be filed with the court system The courts have the final say about who is appointed. The situation you described should make it simple for one of the nephews or possibly you to be named the executor. I would ...
by retiringwhen
Fri May 22, 2020 8:41 am
Forum: Personal Consumer Issues
Topic: ADT security - cost
Replies: 13
Views: 1050

Re: ADT security - cost

If you are DIY. Look at alarm.com based systems. They can be much cheaper and roll your system setup. They can take over old adt sensors too. Checkout suretyhome.com as an example of a full DIY. There are others too like geoarm.com, but I use surety for monitoring. I own the qolysy panel and it can ...
by retiringwhen
Thu May 21, 2020 9:43 am
Forum: Personal Consumer Issues
Topic: “Fuzzy” monitor - will moving from VGA to DVI help?
Replies: 12
Views: 579

Re: “Fuzzy” monitor - will moving from VGA to DVI help?

If you are going to upgrade. I would suggest you seriously consider buying 2 24" (or 23") monitors that are matched and set them side-by-side. I find the two surface approach more manageable for complex interactions! There are tons of good 24" monitors under $199 each, some as cheap as $100 (but the...
by retiringwhen
Wed May 20, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: “Fuzzy” monitor - will moving from VGA to DVI help?
Replies: 12
Views: 579

Re: “Fuzzy” monitor - will moving from VGA to DVI help?

9 year old monitors actually can go "fuzzy" due to a weakening of the backlighting bulb. I have a very old school LCD that is getting darker and fuzzier over time (All the settings are matched and I am using VGA, but DVI doesn't help it). So if you are using the correct matching settings on the disp...
by retiringwhen
Wed May 20, 2020 12:13 pm
Forum: Personal Investments
Topic: 401K Rollover Timing and Covid Volatility
Replies: 9
Views: 341

Re: 401K Rollover Timing and Covid Volatility

What percentage of your total investment assets are in the 401(k) vs. other IRAs, brokerage accounts, etc. If it is less than half (or really less than your fixed income allocation percentage), you could do a temporary switcheroo between bonds and stock funds in your total portfolio so that the time...
by retiringwhen
Fri May 15, 2020 8:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8632

Re: Vanguard Mutual Fund Platform EOL

I can also make some pretty educated guesses. I think there are a lot of customers who want to get end of year statements for example. It is not rocket science to create PDFs with the end of year statement. And actually Vanguard have been doing this for 20+ years on the "old" platform so how come i...
by retiringwhen
Fri May 15, 2020 3:17 pm
Forum: Investing - Theory, News & General
Topic: [Rant] Vanguard Letters
Replies: 6
Views: 1099

Re: [Rant] Vanguard Letters

Changing passwords annually does not actually increase your security. If it is causing problems, stop doing it. I don't even know where to begin with this statement so I'm just going to say, it isn't true. I believe these are true statements: Changing your own passwords periodically, decreases risk...
by retiringwhen
Fri May 15, 2020 8:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8632

Re: Vanguard Mutual Fund Platform EOL

Why is it so important to some long-time Vanguard customers to be able to automatically redirect the dividends of one fund into a different fund? Seems like a minor feature to me in the grand scheme of things. I would guess 90% of them are using it to deposit dividends in a money market besides Fed...
by retiringwhen
Fri May 15, 2020 8:34 am
Forum: Investing - Theory, News & General
Topic: [Rant] Vanguard Letters
Replies: 6
Views: 1099

Re: [Rant] Vanguard Letters

This year, in addition, I got a letter addressed to my dad but at my apartment's address. Needless to say, I haven't lived with my parents in years. It remarked that "voice verification had been shut off" for him. Called Flagship rep and he had no idea what this was about or why a letter addressed ...
by retiringwhen
Fri May 15, 2020 6:44 am
Forum: Personal Consumer Issues
Topic: Strange Ethernet Issue
Replies: 29
Views: 1583

Re: Strange Ethernet Issue

do you have a cable tester that verifies the cable continuity and the pin-outs? It could be that one of the pins is bad and eero doesn't handle it as gracefully. I have seen many cases like that in a building where we damaged RJ45 connections by using RJ11 in them..... It only shows up in certain c...
by retiringwhen
Thu May 14, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: Strange Ethernet Issue
Replies: 29
Views: 1583

Re: Strange Ethernet Issue

That’s a great story RetiredAL. You’re a much more thorough and patient person than I am. I used to say that I’ve had wireless issues dozens of times but only 1 bad cable. I actually had another bad cable a month ago, so maybe the trend is going the other way now. Patient??? My wife would have desc...
by retiringwhen
Thu May 14, 2020 3:40 pm
Forum: Personal Consumer Issues
Topic: Strange Ethernet Issue
Replies: 29
Views: 1583

Re: Strange Ethernet Issue

Nah, house was built in the 60s in a rural town outside of Boston. When we had to drill through the foundation for geothermal, the drillers couldn’t believe how thick the walls were. I love the fieldstone, but the only things it insulates against is WiFi and cellular. But, with a fire going and lig...
by retiringwhen
Thu May 14, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Strange Ethernet Issue
Replies: 29
Views: 1583

Re: Strange Ethernet Issue

@retiringwhen, our house is in the large side, not huge but very long, but what’s really challenging are the walls. We have many sections of interior walls that are 2’ thick of fieldstone. My favorite winter room is 2-4’ fieldstone all around with only one gap for entry; for obvious reasons, I call...
by retiringwhen
Thu May 14, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Husband Died and Spouse lack of knowledge.
Replies: 37
Views: 6146

Re: Husband Died and Spouse lack of knowledge.

A relation died recently, unexpected by him but not otherwise (alcoholic, diabetic, overweight...), and left his estate in a complete shambles. I resolved not to inflict a mess like that on anyone! So I now include a list of all my assets, including Entity (brokerage, bank, etc), account numbers, i...
by retiringwhen
Thu May 14, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: Strange Ethernet Issue
Replies: 29
Views: 1583

Re: Strange Ethernet Issue

do you have a cable tester that verifies the cable continuity and the pin-outs? It could be that one of the pins is bad and eero doesn't handle it as gracefully. I don’t have a cable tester. I previously had an Orbi at the LR outlet, and it handled things fine. It probably is optimistic to think it...
by retiringwhen
Thu May 14, 2020 1:50 pm
Forum: Personal Consumer Issues
Topic: Strange Ethernet Issue
Replies: 29
Views: 1583

Re: Strange Ethernet Issue

do you have a cable tester that verifies the cable continuity and the pin-outs? It could be that one of the pins is bad and eero doesn't handle it as gracefully. I have seen many cases like that in a building where we damaged RJ45 connections by using RJ11 in them..... It only shows up in certain co...
by retiringwhen
Thu May 14, 2020 10:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8632

Re: Vanguard Mutual Fund Platform EOL

BrandonBogle wrote:
Thu May 14, 2020 10:20 am
Meanwhile TD Ameritrade offers (or at least did when they set up my account over a decade ago) to have your external bank account be your settlement account. So my dividends and capital gains go straight to my checking account.
Thanks, that is good information.
by retiringwhen
Thu May 14, 2020 10:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8632

Re: Vanguard Mutual Fund Platform EOL

It is repeated for good reason. That option isn’t available to me. If I try to pick getting a check or sending to my bank account, the holdings are grayed out and cannot be changed. They are only available to check when I am set to reinvest or transfer to settlement. https://i.imgur.com/9fwVzwy.jpg...
by retiringwhen
Thu May 14, 2020 9:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8632

Re: Vanguard Mutual Fund Platform EOL

My understanding for the brokerage account is that you can have dividends reinvested, sent to your settlement fund, or sent to your outside bank account. However, I don't have a brokerage account, so I may not be exactly correct. Not that last option. My mother lost her automatic path of dividends ...
by retiringwhen
Thu May 14, 2020 9:21 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8632

Re: Vanguard Mutual Fund Platform EOL

Wonder what they'll do for the people that can't use a brokerage account due to their jobs in the financial sector? My guess is that those people will have to move their accounts elsewhere. I don't have a dog in the fight, but how do they use Fidelity or or Schwab? There must be a way and I am sure...
by retiringwhen
Thu May 14, 2020 8:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8632

Re: Vanguard Mutual Fund Platform EOL

My understanding for the brokerage account is that you can have dividends reinvested, sent to your settlement fund, or sent to your outside bank account. However, I don't have a brokerage account, so I may not be exactly correct. Not that last option. My mother lost her automatic path of dividends ...
by retiringwhen
Thu May 14, 2020 7:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8632

Re: Vanguard Mutual Fund Platform EOL

sigh. once this happens to my account i'm outta there. why would i stay with vanguard when fidelity/schwab have a better offering? I have Fidelity Mutual Funds only and their accounts work EXACTLY like Vanguard Brokerage Accounts from a fundamental perspective. For 90% of people they are identical,...
by retiringwhen
Thu May 14, 2020 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Family member returning borrowed money?
Replies: 27
Views: 3070

Re: Family member returning borrowed money?

It's not a big deal. The money laundering trigger is a CASH deposit over $10,000. A check for that amount or larger will not raise any eyebrows. I was flagged by an institution (and reported, but nothing came of it) for a bank account transfer of less than $10,000 that did not involve cash on my en...
by retiringwhen
Tue Apr 28, 2020 9:55 am
Forum: Investing - Theory, News & General
Topic: Does an active fund return converge to the market return?
Replies: 31
Views: 1028

Re: Does an active fund return converge to the market return?

Don't confuse one fund's performance for the universe of all active funds. Generally speaking, the universe of all active funds will converge in aggregate upon the market return less expenses and taxes. This is a tautology pointed out by William Sharpe (see: The Arithmetic of Active Management ) An ...
by retiringwhen
Tue Apr 28, 2020 9:04 am
Forum: Personal Investments
Topic: Why am I even saving for retirement?
Replies: 223
Views: 19856

Re: Why am I even saving for retirement?

P.S.: When I was in my 30s, I believed that too. Then, the Telecom bust changed everything. +1 This concept is all too easily dismissed by those whom have never experienced it. I spent most of my career (first half in Telecom) feeling like the Sword of Damocles was hanging over my head (when your j...
by retiringwhen
Sat Apr 25, 2020 2:59 pm
Forum: Personal Investments
Topic: Okay this board above my level but need help with a traditional IRA small thing
Replies: 13
Views: 794

Re: Okay this board above my level but need help with a traditional IRA small thing

I don't know what brokerage you are using, but if you put th money in a target retirement fund in a Vanguard traditional IRA, there are not annual fees even for balances under $3000. I believe that the retirement funds require a $1000 balance. See: https://investor.vanguard.com/mutual-funds/profile/...
by retiringwhen
Fri Apr 24, 2020 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12712

Re: Moving out of NYC due to pandemic

I did my training in NYC and now work with the surgeons who trained me. I am not going to find similar group of supportive people again. Also, as an early career physician, my compensation is almost at the top percentile. Otherwise, I do not have much allure for NYC as such. Everything is so expens...
by retiringwhen
Thu Apr 23, 2020 9:28 am
Forum: Investing - Theory, News & General
Topic: A loyalty program for mutual funds? Fidelity tries something new
Replies: 13
Views: 1914

Re: A loyalty program for mutual funds? Fidelity tries something new

This seems similar to an old idea: Different classes of mutual funds such as one with paying higher front load with lower ER. I agree, in fact the original Admiral class at Vanguard was just this. If you had $50K or $10K held for 10 years, you got the Admiral fee. This looks like desperation to me ...
by retiringwhen
Sat Apr 18, 2020 1:30 pm
Forum: Investing - Theory, News & General
Topic: What's happening with Muni Money Market fund yields?
Replies: 141
Views: 12842

Re: What's happening with Muni Money Market fund yields?

So the party appears to be completely over for the MM funds. Here is my daily yields as of yesterday. At this point at my tax rate, VMMXX and VUSXX are beating the Muni funds. SEC Yield Daily Yield Date VMSXX VMMXX VNJXX VUSXX | VMSXX VMMXX VNJXX VUSXX 4/3/2020 4/6/2020 1.79% 0.97% 1.53% 0.73% | 1.3...
by retiringwhen
Sat Apr 18, 2020 7:47 am
Forum: Personal Consumer Issues
Topic: Outdoor games during stay at home?
Replies: 5
Views: 326

Re: Outdoor games during stay at home?

Corn hole, only among family that already lives together!
Archery (if you have the space to be safe!)
by retiringwhen
Wed Apr 15, 2020 10:46 am
Forum: Investing - Theory, News & General
Topic: VMMXX Vanguard Prime MM Fund
Replies: 15
Views: 3230

Re: VMMXX Vanguard Prime MM Fund

How could Vanguard afford such high (7-day) yield 0.86% (weighted maturity < 2 months) while the T bills short terms are in the 0.2x%? Fidelity government MM funds SPAXX and FCZXX (ultra short terms) have 0.09% and 0.19%. Because it is commercial and yankee paper, not just treasuries. you are compa...
by retiringwhen
Mon Apr 13, 2020 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: TIRA to 401(k) in New Jersey
Replies: 9
Views: 258

Re: TIRA to 401(k) in New Jersey

I looked at this previously and could not find a definitive answer. My suggestion is carefully (as in well preserved record keeping) record the basis (total amount of $ contributed to the IRA) now before rolling over to the 401(K). Before you begin to take distributions, roll the 401(K) w/ the IRA ...
by retiringwhen
Mon Apr 13, 2020 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: TIRA to 401(k) in New Jersey
Replies: 9
Views: 258

Re: TIRA to 401(k) in New Jersey

I looked at this previously and could not find a definitive answer. My suggestion is carefully (as in well preserved record keeping) record the basis (total amount of $ contributed to the IRA) now before rolling over to the 401(K). Before you begin to take distributions, roll the 401(K) w/ the IRA f...
by retiringwhen
Fri Apr 10, 2020 6:47 am
Forum: Investing - Theory, News & General
Topic: What's happening with Muni Money Market fund yields?
Replies: 141
Views: 12842

Re: What's happening with Muni Money Market fund yields?

Since KevinM closed out his position, I will post a Daily Dividend for VMSXX for 4/9. It was 0.72% This is using a balance of exactly $10K so a tiny bit more precision but not much. BTW, VNJXX (my state) is now down to 0.67% From a TEY perspective, both are still attractive to me for the time being ...
by retiringwhen
Mon Apr 06, 2020 7:50 pm
Forum: Investing - Theory, News & General
Topic: What's happening with Muni Money Market fund yields?
Replies: 141
Views: 12842

Re: What's happening with Muni Money Market fund yields?

In case anyone is interested in daily yields for Fidelity MMFs: https://institutional.fidelity.com/app/item/RD_13569_21709/cash-management-funds-pricing-and-performance.html?pos=T This is actually useful. It looks like as of today, FTEXX is now better than FCFXX I built a tool that calculates the T...
by retiringwhen
Fri Apr 03, 2020 10:55 am
Forum: Investing - Theory, News & General
Topic: Special "Bogleheads on Investing" podcast on taxes
Replies: 19
Views: 2295

Re: Special "Bogleheads on Investing" podcast on taxes

Everyone is talking about the wash sale discussion, but I thought the overview of the current tax law changes and the stimulus package were very helpful in understanding how it may impact individual BHer's. Thanks a bunch Rick and Jeff!
by retiringwhen
Thu Apr 02, 2020 9:25 pm
Forum: Investing - Theory, News & General
Topic: Words of Wisdom William Bernstein_chat w/Ben Carlson
Replies: 75
Views: 10650

Re: Words of Wisdom William Bernstein_chat w/Ben Carlson

BTW, pro-tip for watching these videos: Turn on close-captioning and set the playback speed to 2X, so a 30 minute video is done in 15 minutes. I love listening to Bill's inflections, he says alot in his verbal queues. He in particular is probably seriously reduced by such an approach. But, I do do ...
by retiringwhen
Tue Mar 31, 2020 7:12 am
Forum: Investing - Theory, News & General
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 455
Views: 76231

Re: Vanguard Municipal Money Market VMSXX 1.39%

My question was exactly how to find daily accrued dividends on the Vanguard site...... So these yields represent actual "income distributions" that the fund owners have accrued over the previous 7 days. You can actually view your accrued dividends in the "Balances by date" screen. You can use the di...
by retiringwhen
Fri Mar 27, 2020 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs May Not Be Required for 2020
Replies: 135
Views: 8526

Re: IRS Suspends RMD

veggivet wrote:
Fri Mar 27, 2020 7:03 pm
retiringwhen wrote:
Fri Mar 27, 2020 6:48 pm
Any word on inherited IRAs?
I read in a WSJ article today that inherited IRAs are still subject to required withdrawals.
Dang.
by retiringwhen
Fri Mar 27, 2020 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs May Not Be Required for 2020
Replies: 135
Views: 8526

Re: IRS Suspends RMD

Any word on inherited IRAs?
by retiringwhen
Fri Mar 27, 2020 5:01 pm
Forum: Investing - Theory, News & General
Topic: [CARES Act] Overview
Replies: 98
Views: 6429

Re: President Trump Signs Coronavirus Economic Relief Bill

My son who is not eligible for unemployment, got a job today no problem, nobody else looking it seems.
by retiringwhen
Thu Mar 26, 2020 2:01 pm
Forum: Personal Investments
Topic: NJ Vanguard Money Market paying 3 percent
Replies: 3
Views: 631

Re: NJ Vanguard Money Market paying 3 percent

See this thread already discussing: viewtopic.php?f=1&t=309493

I have two words for you: liquidity risk
by retiringwhen
Thu Mar 26, 2020 6:42 am
Forum: Personal Investments
Topic: Rick Ferri says to put aside something for "Bingo Money"
Replies: 76
Views: 9169

Re: Rick Ferri says to put aside something for "Bingo Money"

One potential benefit of having bingo/play/fun money is that many will find out that they are not one of the talented investors and abandon stock picking. That's what happened to me in the day-trading mania of the late '90s. (mine was just a relatively small amount, but underperformance of my lack ...
by retiringwhen
Thu Mar 26, 2020 6:24 am
Forum: Personal Investments
Topic: Municipal bond question; VNJXX
Replies: 10
Views: 693

Re: Municipal bond question; VNJXX

This is a money market fund not a bond fund. I'm thinking all money market funds are too big to fail. That said it may not be worth the risk for a few extra dollars but that 3.22% mostly tax free dividend caught my eye. VNJXX only has $1.4B in assets in a pretty small, largely illiquid market. It h...
by retiringwhen
Wed Mar 25, 2020 2:40 pm
Forum: Personal Investments
Topic: Municipal bond question; VNJXX
Replies: 10
Views: 693

Re: Municipal bond question; VNJXX

two words: liquidity risk. How long could that last. This isn't money I would need for check writing; that is in my settlement fund. A few weeks to a few months, we are in uncharted territory. As soon as the liquidity issues resolve, the rates will drop like a rock. so if you are just looking for s...
by retiringwhen
Wed Mar 25, 2020 1:32 pm
Forum: Personal Investments
Topic: Municipal bond question; VNJXX
Replies: 10
Views: 693

Re: Municipal bond question; VNJXX

I'm looking for enough yield to have a "real" return. I keep my venture capital money in money markets. I'm looking at Vanguard's NJ municipal money market and notice it pays 3.22%. Why is the dividend so high and how safe is it? Vanguard gives a 1, the safest on a 1-5 scale. https://investor.vangu...
by retiringwhen
Wed Mar 25, 2020 9:45 am
Forum: Personal Investments
Topic: TLH NJ Long Term tax exempt: which fund to pair with?
Replies: 10
Views: 269

Re: TLH NJ Long Term tax exempt: which fund to pair with?

WOW: 3.22% on the NJ tax-exempt MONEY MARKET fund as of yesterday. 2.2% on the NJ long-term bond fund. What does that tell us about relative risks? Look up Rick Ferri's post from monday of a Morningstar Interview Mohamed El-Erian interview by Jeff Ptak of Morningstar It is long, but worth it and he...