Search found 146 matches

by Eagle33
Fri Jun 14, 2019 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3837

Re: Checks without my account number

Teresa Dixon Murray, a finance writer for the Cleveland newspaper, "The Plain Dealer", recently had an article on this subject. She addressed the problem of account numbers when the bank's bill pay service sends a paper check. Some banks show the account number, the same as when you write the check...
by Eagle33
Tue Jun 04, 2019 7:47 pm
Forum: Personal Investments
Topic: "Skin in the Game," Taleb, $2.99 Kindle deal
Replies: 3
Views: 653

Re: "Skin in the Game," Taleb, $2.99 Kindle deal

Here is an earlier post about the book.
viewtopic.php?t=244167
by Eagle33
Tue Jun 04, 2019 5:45 pm
Forum: Personal Investments
Topic: Switched employers mid year - what happens if you exceed contributions and/or IRC limits?
Replies: 3
Views: 516

Re: Switched employers mid year - what happens if you exceed contributions and/or IRC limits?

Though I have not reached your level of compensation, reading this page at Fidelity makes me believe that it is up to you to determine at what point in 2019 you will reach 280k in compensation. At that point you need to end your contributions for 2019. https://nb.fidelity.com/public/nb/default/resou...
by Eagle33
Sun Jun 02, 2019 8:58 pm
Forum: Personal Investments
Topic: Do I need a financial planner or investment advisor or just this forum?
Replies: 30
Views: 2911

Re: Do I need a financial planner or investment advisor or just this forum?

You may only need Mark Zoril, AIF, of Plan Vision. He offers financial planning services, including investment advice, for just $96 a year.

Here is a recent interview. https://www.doughroller.net/financial-p ... ark-zoril/
by Eagle33
Tue May 28, 2019 6:44 pm
Forum: Personal Investments
Topic: Vanguard 401k to Vanguard Roth IRA
Replies: 11
Views: 608

Re: Vanguard 401k to Vanguard Roth IRA

I would recommend a temporary separate Roth anyway. This makes it easier to undo if necessary. I was doing annual Roth conversions, always creating a new account, near the end of my working career. The last time, my income exceeded the limits for the conversion , and I had to undo some of it. It wa...
by Eagle33
Sun May 26, 2019 3:30 am
Forum: Personal Investments
Topic: Confused about Asset Allocation
Replies: 16
Views: 1219

Re: Confused about Asset Allocation

You can contribute up to the 401k $19k limit. Company match does not count as part of the 19k.
by Eagle33
Sun May 26, 2019 1:06 am
Forum: Personal Investments
Topic: Confused about Asset Allocation
Replies: 16
Views: 1219

Re: Confused about Asset Allocation

typically recommendation is for bonds in tax-deferred accounts and stocks in Roth accounts for tax free growth. See wiki page on tax-efficency topic. https://www.bogleheads.org/wiki/Tax-efficient_fund_placement also https://www.bogleheads.org/wiki/Asset_allocation_in_multiple_accounts Why not also d...
by Eagle33
Fri May 24, 2019 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Funding nieces' Roth IRAs
Replies: 10
Views: 929

Re: Funding nieces' Roth IRAs

I would maybe do a match of what they contribute. They will will appreciate it more if they have skin in the game.
by Eagle33
Fri May 24, 2019 11:08 pm
Forum: Personal Investments
Topic: Can I open a Roth for daughter's birthday present?
Replies: 13
Views: 1290

Re: Can I open a Roth for daughter's birthday present?

Assist her as needed to open her Roth IRA. Maybe offer to match here contributions or at least help with the initial minimum amount to get stated investing.
by Eagle33
Tue May 21, 2019 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Quicken: Windows to Mac
Replies: 14
Views: 821

Re: Quicken: Windows to Mac

Buy the new subscription model version for 1-yr and let the subscription run out and not renew. You will still be able to do what you could before offline. No longer get updates, but that is true now in your old PC version.

You will need to turn off the auto renew default after loading.
by Eagle33
Sat May 18, 2019 12:32 am
Forum: Investing - Theory, News & General
Topic: Actual Experience as true measure of risk tolerance
Replies: 82
Views: 6257

Re: Actual Experience as true measure of risk tolerance

If one can reach the same point as Jack Bogle regard AA, then one has hit the best AA for themselves. When the market is up ok to wonder a little of why so low a % of stocks and when market is down ok to wonder a little of why so low a % of bonds - but not losing any sleep over it. When it is time (...
by Eagle33
Mon May 13, 2019 2:36 am
Forum: Personal Investments
Topic: Vanguard Target Retirement Funds - Investor vs Admiral Shares
Replies: 21
Views: 2269

Re: Vanguard Target Retirement Funds - Investor vs Admiral Shares

I do not know Vanguard's reasoning for no TD Admiral funds. But I would guess some of the added ER cost is because having to balance AA.
by Eagle33
Mon May 13, 2019 1:57 am
Forum: Personal Investments
Topic: Retirement limits
Replies: 6
Views: 2203

Re: Retirement limits

Every February I download a new annual limits sheet from College of Financial Planning.
https://www.cffp.edu/annual-limits
It is a 2-sided sheet with many of the annual limits that one needs to know when DIYing.
by Eagle33
Sun May 12, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: NYTs-"A Quirk of the Calendar Is Messing With Stocks"
Replies: 6
Views: 1676

Re: NYTs-"A Quirk of the Calendar Is Messing With Stocks"

I'd like to see how different the value of $100k invested on 6/30/2018 and 3/31/2019 would be. Go to Morningstar.com website and enter VFIAX. Then click More at top right of chart. Then enter new start date (i.e. 6/30/2018 or 3/31/2019). Chart shows growth including reinvesting dividends/cap gains ...
by Eagle33
Wed May 01, 2019 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Could you invest in Vanguard by phone(voice only) after your account was set up?
Replies: 3
Views: 395

Re: Could you invest in Vanguard by phone(voice only) after your account was set up?

Depending on your portfolio value at Vanguard, number of trades, etc. will effect the cost to trade by phone. See VG website page https://investor.vanguard.com/investing ... sions/etfs
by Eagle33
Thu Apr 18, 2019 12:09 am
Forum: Personal Investments
Topic: Beginner Investor Questions
Replies: 14
Views: 1072

Re: Beginner Investor Questions

You can see a number of brokerage equivalent funds to Vanguard on bottom of this wiki page
https://www.bogleheads.org/wiki/Three-fund_portfolio
by Eagle33
Wed Apr 17, 2019 12:52 am
Forum: Personal Investments
Topic: confused opening ira and withdrawal at retirement
Replies: 14
Views: 844

Re: confused opening ira and withdrawal at retirement

First, welcome to the forum. I was a bit confused by your posting format. May get more responses if your reformat your post as described in https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Your can edit your post by clicking on the pencil button at top of your post. My question Bogleheads i...
by Eagle33
Wed Apr 17, 2019 12:08 am
Forum: Personal Investments
Topic: Is the disaster scenario for stocks a reason not to invest or pull out of the market?
Replies: 94
Views: 7109

Re: Is the disaster scenario for stocks a reason not to invest or pull out of the market?

Why is it that when the market drops 50% the guideline of "buy low and sell high" is ignored? It is a great time to buy equities. 50% market drops are usually associated with some significant problems in the real economy, not just random market fluctuation. Therefore when the markets are down 50%, ...
by Eagle33
Tue Apr 16, 2019 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: PSA: getting a social security statement
Replies: 10
Views: 1326

Re: PSA: getting a social security statement

I seem to remember reading somewhere a couple years ago that SS was only mailing out paper statements every 5 years to people under 60 and every year after 60 if person does not have an online account. But don't quote me on that. Our household will find out this year if my memory is any good. Spouse...
by Eagle33
Sat Apr 13, 2019 10:32 pm
Forum: Personal Investments
Topic: Is the disaster scenario for stocks a reason not to invest or pull out of the market?
Replies: 94
Views: 7109

Re: Is the disaster scenario for stocks a reason not to invest or pull out of the market?

Why is it that when the market drops 50% the guideline of "buy low and sell high" is ignored? It is a great time to buy equities.
by Eagle33
Fri Apr 12, 2019 7:52 pm
Forum: Personal Investments
Topic: Advice?
Replies: 6
Views: 787

Re: Advice?

rocketboy wrote:
Fri Apr 12, 2019 4:56 pm
Thank you. If I Google Roth/Traditional all I find are recommendations for which one to purchase rather than what to fund them with. I appreciate it.
This wiki topic may provide the clarification you seek.
https://www.bogleheads.org/wiki/Tax-eff ... _placement
by Eagle33
Fri Apr 12, 2019 5:40 pm
Forum: Personal Investments
Topic: ROTH IRA /Bonds Investment Advice
Replies: 3
Views: 347

Re: ROTH IRA /Bonds Investment Advice

sk005 wrote:
Fri Apr 12, 2019 1:50 pm
1) How do I invest My ROTH IRA? should I buy VTSAX for ROTH too?
I am looking into VTIAX but need to study foreign tax credit further.
Foreign tax credit claiming only comes into play in taxable account, not IRAs.
by Eagle33
Thu Apr 11, 2019 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard consolidated statement
Replies: 5
Views: 469

Re: Vanguard consolidated statement

Will the consolidated statements be generated monthly, quarterly or annually?
Does such a statement accommodate both the old MF-style accounts and new brokerage accounts on the statement?
Does annual statement include list of total year's transactions for each account?
by Eagle33
Tue Apr 09, 2019 6:34 pm
Forum: Personal Investments
Topic: Should I leave Betterment?
Replies: 33
Views: 5440

Re: Should I leave Betterment?

[*] Fees - A 0.25% annual fees seems reasonable and fairly immaterial to me. However, I'm open to being persuaded otherwise. You can use this website to compare your current ER before adding the 25bps annual fee to the ER for the second fund to see impact over time. https://www.begintoinvest.com/ex...
by Eagle33
Tue Apr 09, 2019 6:20 pm
Forum: Personal Investments
Topic: Starting taxable 3 fund portfolio
Replies: 15
Views: 1761

Re: Starting taxable 3 fund portfolio

So as I see it, I could "recreate" VTRLX (without institutional) by using : VTSAX - total stock admiral 60% VTIAX - international stock admiral 30% VWIUX or VTEAX - muni for fed tax exempt (obviously a slight departure from VTRLX) 10% Giving me the 90 -10 over both account locations for now. Is thi...
by Eagle33
Wed Apr 03, 2019 12:44 am
Forum: Personal Investments
Topic: Investing in early retirement - more info
Replies: 8
Views: 1241

Re: Investing in early retirement - more info

Thanks so much for the info. I'm so ignorant regarding bond funds. When I look at a 5 year chart for VBTLX, I see that on Jul 8, 2016 it was 11.08. On Mar 29, 2019 it was at 10.36. Does that mean that if I owned it during that period of time, I would have lost money? Is so this seems to have quite ...
by Eagle33
Mon Apr 01, 2019 1:22 am
Forum: Personal Investments
Topic: Tools for Retirement Withdrawal Strategies considering Different Accounts, Taxes, RMD, etc
Replies: 2
Views: 467

Re: Tools for Retirement Withdrawal Strategies considering Different Accounts, Taxes, RMD, etc

If you like i-orp, then you should like The Retiree Portfolio Model, an Excel spreadsheet created by forum member BigFoot48.

Wiki link to Tools and calculators
https://www.bogleheads.org/wiki/Tools_a ... olio_tools
by Eagle33
Mon Mar 25, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term care insurance
Replies: 45
Views: 2295

Re: Long-term care insurance

We're considering our options for long-term care insurance, and it looks like this comes in two major varieties: Just plain insurance against the eventuality of needing long-term care. Life insurance whose payout can be used for long-term care, with the amount spent on that being deducted from the ...
by Eagle33
Sun Mar 24, 2019 6:45 pm
Forum: Investing - Theory, News & General
Topic: Book on financial market history
Replies: 11
Views: 973

Re: Book on financial market history

Not sure if "Financial Market History: Reflections on the Past for Investors Today" is what OP is looking for, but Kindle version is currently free. https://www.amazon.com/Financial-Market-History-Reflections-Investors-ebook/dp/B06WVBHK72/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=&sr= And Jack Bogle i...
by Eagle33
Sat Mar 23, 2019 9:54 pm
Forum: Personal Investments
Topic: Roth IRA question
Replies: 16
Views: 1469

Re: Roth IRA question

indexonlyplease wrote:
Sat Mar 23, 2019 9:33 pm
Just to confirm. When you do a Roth IRA conversion you still can't touch the money until 59.5?
Actually you can withdraw the amount of the conversion 5 years after making the conversion. If you do multiple conversions over time, each separate conversion has its own 5-yr clock.
by Eagle33
Sat Mar 23, 2019 9:42 pm
Forum: Personal Investments
Topic: Start Roth after Retirement?
Replies: 14
Views: 1749

Re: Start Roth after Retirement?

Not the OP here, but I have a similar question. I currently have no Roth accounts. But I would like to do Roth conversions after retirement. (Just retired on Jan 1, 2019). Do I need to open a Roth account in a year I have earned income? Or can I open up one later via a conversion in a year I have n...
by Eagle33
Sat Mar 23, 2019 5:41 pm
Forum: Personal Investments
Topic: Portfolio Repriced
Replies: 6
Views: 430

Re: Portfolio Repriced

wdo0002 wrote:
Sat Mar 23, 2019 11:44 am
Reinvestment of dividends?
OP - The same thing happened to us. Check your transaction history. I discovered that both VTSAX & VTIAX paid quarterly dividends last night.
by Eagle33
Wed Mar 13, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: VG service ... advice welcome
Replies: 8
Views: 596

Re: VG service ... advice welcome

Ensuring correct beneficiaries on her accounts is more important than the paper delivery issue. Unfortunately cannot see nor change those from your full agent view of her accounts. Must be done thru her login. Unless VG has some legal procedure to change them, but it is probably above the normal rep...
by Eagle33
Sat Mar 09, 2019 1:36 am
Forum: Personal Investments
Topic: Vanguard Statements - adding accounts to household statement
Replies: 10
Views: 1123

Re: Vanguard Statements - adding accounts to household statement

Not trying to to sidetrack topic, but what is a household statement at Vanguard? Got nothing when did a search of household statement on Vanguard site. Well actually did get one link, but it only took me to my accounts message center that had nothing about household statement.
by Eagle33
Sat Mar 09, 2019 1:18 am
Forum: Investing - Theory, News & General
Topic: Help with rebalancing
Replies: 11
Views: 1006

Re: Help with rebalancing

I am unclear OP's reason for changing from ETF to MF - just different share class of the same fund. However, when US stocks (VTI+VTSAX) allocation is > 65%, then sell VTI to get AA back to 65%. When US stocks < 65%, then buy VTSAX to get AA back to 65%.
by Eagle33
Tue Mar 05, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: My average inflation for living expenses over 42 years
Replies: 16
Views: 2544

Re: My average inflation for living expenses over 42 years

Very Boglehead-like, living within your means. Average inflation over same period is 3.7%.
:sharebeer
by Eagle33
Tue Mar 05, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments & impact of qualified dividends
Replies: 9
Views: 515

Re: Estimated tax payments & impact of qualified dividends

I don't know how large your unknown dividends are, but if you pay 85% taxes owed for 2018, then no penalty. It doesn't have to match to the penny.
by Eagle33
Tue Mar 05, 2019 10:01 am
Forum: Personal Investments
Topic: Roth conversion
Replies: 44
Views: 3671

Re: Roth conversion

If you are 63 or older, remember to factor in IRMMA Medicare premium surcharges when calculating your conversion amount.
by Eagle33
Sat Mar 02, 2019 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Possible health/medical benefits question for part time?
Replies: 5
Views: 473

Re: Possible health/medical benefits question for part time?

Maybe you can get them to agree to pay you an "annual waiver of insurance bonus" since you are not on their medical plan. Usually this bonus is less than what they would subsidize their medical plan if you were on their plan. They are not paying your Medicare premium, but you can use the bonus for w...
by Eagle33
Mon Feb 25, 2019 6:27 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2506
Views: 1586466

Re: The Three-Fund Portfolio

An article that references Taylor's book - How to Benchmark Your Portfolio https://www.morningstar.com/articles/915208/how-to-benchmark-your-portfolio.html "If, over time, it turns out that you're consistently lagging, you might consider calling it a day and going all-in with total market index fund...
by Eagle33
Sun Feb 24, 2019 3:47 am
Forum: Personal Finance (Not Investing)
Topic: Must foreign tax credit be applied before child tax credit?
Replies: 5
Views: 508

Re: Must foreign tax credit be applied before child tax credit?

Child Tax Credit is nonrefundable credit, while the Additional Child Tax Credit is a refundable tax credit. :?

Don't try to apply common sense to government. :happy
by Eagle33
Sun Feb 24, 2019 1:44 am
Forum: Personal Investments
Topic: Help with Roth contribution in light of job loss
Replies: 8
Views: 635

Re: Help with Roth contribution in light of job loss

Let see, OP is over 59.5 and if the rIRA was opened in 2014 or earlier, then all contributions and conversions and earnings are immediately available to be withdrawn. OP would just have some extra paper work when filing next year if OP withdraws from rIRA during 2019. OP, make a contribution for 201...
by Eagle33
Thu Feb 21, 2019 2:14 am
Forum: Personal Investments
Topic: A ROTH IRA question
Replies: 10
Views: 1313

Re: A ROTH IRA question

If you have not done any Roth contributions since 2014, If you go to Vanguard today, you will see that you have the option to contribute to 2018 or 2019, after tax day the 2018 option goes away. You would then need to report this $630 in your 2019 return along with other income. OP, You earned inco...
by Eagle33
Wed Feb 20, 2019 2:01 am
Forum: Investing - Theory, News & General
Topic: rebalancing during decumulation phase
Replies: 61
Views: 4458

Re: rebalancing during decumulation phase

It's because I have much more tax-deferred space than Roth space. My entire bond allocation can fit there, I just choose to put a slice in Roth to make things more flexible. It can confuse one's thinking by making a distinction between tax-deferred and ROTH. Many years ago there was a suggestion by...
by Eagle33
Mon Feb 18, 2019 2:50 am
Forum: Personal Finance (Not Investing)
Topic: Selling My House - How Much $ Ends Up in My Pocket?
Replies: 10
Views: 2294

Re: Selling My House - How Much $ Ends Up in My Pocket?

As a *rough estimate* figure on pocketing 90% of sale price. Sale price - 6% realtor commission - 4% transfer taxes = 90% There are a few variables, such as reducing the commission at the outset (the commission is usually split between buyer’s agent and seller’s agent) and the transfer taxes involv...
by Eagle33
Sat Feb 16, 2019 3:05 am
Forum: Personal Investments
Topic: Time to pull the plug?
Replies: 15
Views: 2938

Re: Time to pull the plug?

Don't know how long you have to retirement, but if you are believe indexing out performs active over time - change now. Those losses will recover either way.
by Eagle33
Sat Feb 16, 2019 2:52 am
Forum: Personal Investments
Topic: Newlywed Financial Next Steps
Replies: 20
Views: 1320

Re: Newlywed Financial Next Steps

Welcome to the forum.

One thing you may want to consider is doubling his 401k contribution to 6% to get maximum match. Hate to see you leave $ on the table.
by Eagle33
Wed Feb 13, 2019 1:21 am
Forum: Personal Investments
Topic: Shifting from Fidelity Self Managed to Vanguard PAS.
Replies: 10
Views: 649

Re: Shifting from Fidelity Self Managed to Vanguard PAS.

One concept that helped me to better understand AA and tax efficient placement of funds is if you need to withdraw $ from the taxable account to keep your income within a tax bracket or below a limit, while stocks are down in value, then sell enough stock from taxable account. Then in tax-deferred a...
by Eagle33
Tue Feb 05, 2019 3:00 pm
Forum: Investing - Theory, News & General
Topic: Obscure IRA Rules
Replies: 12
Views: 1503

Obscure IRA Rules

Ed Slott shares some obscure IRA rules. I didn't know the military one.
https://www.morningstar.com/videos/9043 ... rules.html

FYI - It was recorded last year since he uses $5500 as contribution limit. We all know that IRA contributions are $6000 ( 50+ yo $7k) for 2019.