Search found 1130 matches

by Nestegg_User
Sat Dec 15, 2018 9:42 am
Forum: Investing - Help with Personal Investments
Topic: advice for a first time BOND investor?
Replies: 5
Views: 231

Re: advice for a first time BOND investor?

Hi there! My brother told me about "bogleheads" recently and thus here I am... I'm a relative newbie that realizes I need to diversify into some bonds/fixed income. The questions is - which one or which type? I'm very confused by the bond market. Municipal, Corporate, Treasuries, CDs...no idea. Jus...
by Nestegg_User
Sat Dec 15, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: New Bogglehead. Need some help please
Replies: 8
Views: 465

Re: New Bogglehead. Need some help please

I'd sell everything in the taxable account, not just the losers. Here's why. The SEI TAX MANAGED LARGE CAP (TMLCX) (.93) is 19% of your portfolio or about $247k. If you could lower the expense ratio on that $247k to .1% (not difficult), you would save about $2k in expenses a year on just that one f...
by Nestegg_User
Sat Dec 15, 2018 1:26 am
Forum: Personal Consumer Issues
Topic: Potential New Home - Planes and Trains Noise
Replies: 29
Views: 1711

Re: Potential New Home - Planes and Trains Noise

yep, OnTrack

helps explain why Barr Lake and Strasburg used to both be relatively quiet when Stapleton was running, but now with "DOA"....
by Nestegg_User
Thu Dec 13, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?
Replies: 60
Views: 3249

Re: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?

nisiprius..............I think you have too much time on your hands. Have you tried a hobby? How long have you had this fixation on Toilet Paper?............Maybe you shouldn't have retired .........Gordon maybe he was part of the group that helped define the “squeezability” of the original ? (reme...
by Nestegg_User
Thu Dec 13, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: Potential New Home - Planes and Trains Noise
Replies: 29
Views: 1711

Re: Potential New Home - Planes and Trains Noise

FYI: livesoft’s data is from the DOT site located at “maps.bts.dot.gov”, which covers the US (zoom for your area) (....and Livesoft, there’s a couple that didn’t show up well on there: at Arcola (south of Missouri City) and in LaPorte (due southwest of Baytown, across the river)....and the other big...
by Nestegg_User
Thu Dec 13, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?
Replies: 60
Views: 3249

Re: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?

well, Nisi, you could go over to Spring Grove and Beech (not far off I-75) and ask them..and maybe even see the original bar of ivory and it’s certificate of analysis ( you know, the “99 44/100’s”) :wink: {but unless you work there or are a contractor for their business, it’s not likely now, althoug...
by Nestegg_User
Thu Dec 13, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan
Replies: 29
Views: 1427

Re: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan

Good question. I appear to be the exception but I say Five two nine Four oh one kay Four fifty-seven Four oh three bee I suspect my five two nine pronunciation has to do with having a phone number beginning with 523 as a child that I always spoke out each digit. well, mine started with letters back...
by Nestegg_User
Thu Dec 13, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation when cost of living expenses covered
Replies: 23
Views: 1199

Re: Allocation when cost of living expenses covered

In three years, when my wife is on Medicare, and off COBRA and then private insurance, the combination of my social security, my wife’s social security, my pensions, my wife’s pension, and my monthly annuity payment will pretty much cover all my monthly cost of living expenses (barring high ticket ...
by Nestegg_User
Thu Dec 13, 2018 2:48 am
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 75
Views: 5870

Re: Is a New Car Okay if Driven 15+ Years?

I considered 8 years for new vehicles to be breakeven and desired to get to 10 years. I consider that, if you need to finance a vehicle, that you should do so in no more than four years, preferably three or less. (you take enough hit on depreciation, you don’t also take the hit on excessive interest...
by Nestegg_User
Wed Dec 12, 2018 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Which is more valuable? Roth conversion or 0% capital gains?
Replies: 4
Views: 473

Re: Which is more valuable? Roth conversion or 0% capital gains?

“it depends” from a strictly financial point, the Roth conversion would yield more over time. but the question is, since you mentioned grad school (yeah, remember those days... decades ago), I would think that liquidity over the short term is very important, and thus collecting the 0% tax is very va...
by Nestegg_User
Wed Dec 12, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Trip to Italy
Replies: 42
Views: 2351

Re: Trip to Italy

other threads on Italy have noted: get an international permit, Italy has sections (Tuscany, etc) that check/require it Be VERY aware of restricted areas, areas that are restricted to ONLY residents and have no parking— particularly in Florence (we had a lot of walking to do there, you must park a l...
by Nestegg_User
Wed Dec 12, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Startpage VASTLY different from Google
Replies: 7
Views: 1203

Re: Startpage VASTLY different from Google

Duckduckgo seems to only have problems with more complex boolean queries, otherwise I’ve not noticed a problem
by Nestegg_User
Tue Dec 11, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Review and Question regarding ROTH Conversion
Replies: 19
Views: 1032

Re: Review and Question regarding ROTH Conversion

since PA doesn’t tax distributions from retirement accounts (IRA/401k) {https://smartasset.com/retirement/pennsylvania-retirement-taxes} the real consideration is the federal tax. Since you are in a fairly low bracket, it might not be actually advantageous to do Roth conversions. Have you calculated...
by Nestegg_User
Tue Dec 11, 2018 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: In order to not receive a dividend, what date do I need to SELL a mutual fund on?
Replies: 19
Views: 1539

Re: In order to not receive a dividend, what date do I need to SELL a mutual fund on?

indexonly first, remember that when you receive a dividend in a fund, the price of the fund decreases by the respective amount (i.e., it doesn’t change your value, but it does change your recognition for it). If in taxable account, likely why the OP asked the question, the dividend is recognized as...
by Nestegg_User
Tue Dec 11, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: In order to not receive a dividend, what date do I need to SELL a mutual fund on?
Replies: 19
Views: 1539

Re: In order to not receive a dividend, what date do I need to SELL a mutual fund on?

indexonly first, remember that when you receive a dividend in a fund, the price of the fund decreases by the respective amount (i.e., it doesn’t change your value, but it does change your recognition for it). If in taxable account, likely why the OP asked the question, the dividend is recognized as ...
by Nestegg_User
Mon Dec 10, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance through employer or third-party?
Replies: 21
Views: 1099

Re: Health Insurance through employer or third-party?

I just picked up a new job, and with it comes health insurance. So now it's decision time. My wife still has her old pre-ACA health insurance. With my previous job, we just kept her on that plan and put me and our toddler on my work plan. But changing jobs means it's time to revisit it. Here are th...
by Nestegg_User
Mon Dec 10, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Blue Cross Basic vs. Blue Focus
Replies: 16
Views: 1106

Re: FEHB Blue Cross Basic vs. Blue Focus

I think the major difference is in prescription drug coverage especially for the more expensive tiers 3,4 and 5. The link provides very good side by side comparison. Right, if you have prescriptions you need to look at the Blue Focus formulary closely. Blue Focus has a very different formulary than...
by Nestegg_User
Mon Dec 10, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA or CD Ladder
Replies: 31
Views: 2301

Re: SPIA or CD Ladder

You might also look into switching your wife over to the 50% spousal benefit when you retire if you qualify and haven’t considered this already. that’s what I thought of first when the OP was giving info; if she didn’t start until FRA for her benefit then she should switch to half of spouse when he...
by Nestegg_User
Fri Dec 07, 2018 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my mom (60yr) - looking for stability
Replies: 13
Views: 1146

Re: Helping my mom (60yr) - looking for stability

She has been meeting with a financial advisor and discussing a 3rd Generation Fixed Income Annuity... What is the difference between a 3rd generation (is that a brand name since you capitalized it?) fixed income annuity and a regular fixed annuity? If her husband of 17 years has died, his SS benefi...
by Nestegg_User
Fri Dec 07, 2018 7:29 pm
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12570

Re: Who else is getting excited?

Irish Moss wrote:
Thu Dec 06, 2018 9:50 pm
Nestegg_User wrote:
Thu Dec 06, 2018 12:25 pm
and an allocation of 45/55 to be able to SWAN.
SWAN? I don't know what this means.
SWAN ===> sleep well at night
by Nestegg_User
Fri Dec 07, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 6943

Re: Anybody Miss the Crypto Rage on BH Forums

Stockpiled guano I wouldn’t invest in that $hit :wink: There was a very interesting "100% Invisible" (podcast) on Guano Mania that is well worth listening to (or reading). If you've ever wondered why the United States has all of those scattered possession in the Pacific, that's the answer, with all...
by Nestegg_User
Thu Dec 06, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell farmland to coal company?
Replies: 33
Views: 1999

Re: Should we sell farmland to coal company?

Do you want a surface coal mine 4 miles from your house? Will they still strip mine if you don’t sell, or can you stop the project by not selling? Living next to a strip mine is something I would not do. If the project goes forward, you will want to move. I'm not sure if us not selling would stop t...
by Nestegg_User
Thu Dec 06, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: HSA - How long is a doctor's note valid?
Replies: 9
Views: 1524

Re: HSA - How long is a doctor's note valid?

we also got a note every year for DW parents showing their ADL limitations.... we recall reading that the IRS could claim a need to show cause for each year, even though it would be obvious that once they reached a certain limitation that they wouldn’t expect to improve.
by Nestegg_User
Thu Dec 06, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 6943

Re: Anybody Miss the Crypto Rage on BH Forums

Stockpiled guano I wouldn’t invest in that $hit :wink: There was a very interesting "100% Invisible" (podcast) on Guano Mania that is well worth listening to (or reading). If you've ever wondered why the United States has all of those scattered possession in the Pacific, that's the answer, with all...
by Nestegg_User
Thu Dec 06, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employees/Deferred Compensation Plans
Replies: 26
Views: 2487

Re: Highly Compensated Employees/Deferred Compensation Plans

This reads to me that a spouse's 401k plan would also be limited to 10%. This would be true if you are referring to the SAME 401k plan. Also, family attribution is only related to ownership rules for an HCE, not necessarily HCE status, meaning, if you are an HCE due to owning more than 5% of the co...
by Nestegg_User
Thu Dec 06, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12570

Re: Who else is getting excited?

As a new retiree it sucks bigly. Sequence of risk returns is something that can seriously derail the best laid retirement plans and is a real risk. That’s why I’ve had a rolling five year CD ladder (but recently the last two years “legs” are in the shorter duration since longer didn’t give us the y...
by Nestegg_User
Wed Dec 05, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: Flaw in Logic? CD ladder instead of bond funds
Replies: 80
Views: 7575

Re: Flaw in Logic? CD ladder instead of bond funds

This has been a great thread. I'm starting to branch out from just a money market account (2% APY) to other options for "cash" that I may need access to in a pinch but hope to keep saving. Fidelity will do an automated four-CD ladder and handle rollovers etc (1yr ladder APY of 2.56% or 2yr ladder A...
by Nestegg_User
Tue Dec 04, 2018 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employees/Deferred Compensation Plans
Replies: 26
Views: 2487

Re: Highly Compensated Employees/Deferred Compensation Plans

Thanks. I guess I didn't really ask much of a question. I was wondering if anyone had any advice on what to do about the shortfall in 401k contributions. Ex. If you make $130k/yr and contributions are capped at 10%, you can only contribute $13k to 401k instead of the $19k contribution limit. Is all...
by Nestegg_User
Tue Dec 04, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employees/Deferred Compensation Plans
Replies: 26
Views: 2487

Re: Highly Compensated Employees/Deferred Compensation Plans

Thanks. I guess I didn't really ask much of a question. I was wondering if anyone had any advice on what to do about the shortfall in 401k contributions. Ex. If you make $130k/yr and contributions are capped at 10%, you can only contribute $13k to 401k instead of the $19k contribution limit. Is all...
by Nestegg_User
Tue Dec 04, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: HSA employee contributions subject to FICA?
Replies: 42
Views: 2850

Re: HSA employee contributions subject to FICA?

Some problems with HSAs: 1. You are required to have HDHP Mega-Corp offers this 2. You are required to save your receipts for ever (in case of audit). Complexity I want to avoid Takes me a few minutes a year to upload receipts to google drive 3. Healthcare may be public by the time you retire, and ...
by Nestegg_User
Tue Dec 04, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employees/Deferred Compensation Plans
Replies: 26
Views: 2487

Re: Highly Compensated Employees/Deferred Compensation Plans

OP

you should easily be able to talk to your HR to determine beforehand whether you are deemed to be a HCE as there are very specific rules that they have to be aware of to remain in compliance with 401k regulations.

https://www.irs.gov/retirement-plans/pl ... efinitions
by Nestegg_User
Tue Dec 04, 2018 8:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: LadyGeek -- the next 10K poster!
Replies: 39
Views: 5367

Re: LadyGeek -- the next 10K poster!

Let me join the chorus in congratulating. It would be nice to have a tiny star next to your name when you reach certain levels (IE 2500, 5000, 10,000 and so on). Not for ego sakes. While I do value all posters (well most anyway), those that have contributed the most tend to also be the ones I scrut...
by Nestegg_User
Tue Dec 04, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Will we make it saving only in employer plans?
Replies: 58
Views: 4108

Re: Will we make it saving only in employer plans?

some of us have indicated that, based on the numbers they gave, there’s likely opportunities to trim back. otherwise, based on the burn, they likely need even more saved. I asked before: did the OP use a childcare HSA so those expenses ( which I used in the calculation that indicated that they had s...
by Nestegg_User
Tue Dec 04, 2018 4:40 am
Forum: Investing - Help with Personal Investments
Topic: Will we make it saving only in employer plans?
Replies: 58
Views: 4108

Re: Will we make it saving only in employer plans?

EPI from 2016 (two years ago) doesn’t really differ https://www.epi.org/child-care-costs-in-the-united-states/ number for MO was in line for what a co-worker was paying (~$8k). As I’ve retired, that’s not something I really cared keeping up with. {oh, and they give $4800for infant and $4 k for four ...
by Nestegg_User
Tue Dec 04, 2018 3:52 am
Forum: Investing - Help with Personal Investments
Topic: Will we make it saving only in employer plans?
Replies: 58
Views: 4108

Re: Will we make it saving only in employer plans?

lots of areas are $8 k (or less, down to $6 k) for a kid
(enough places don’t charge a full 2X if both are there)

https://www.bostonglobe.com/2014/07/02/ ... story.html
by Nestegg_User
Tue Dec 04, 2018 3:12 am
Forum: Investing - Help with Personal Investments
Topic: Will we make it saving only in employer plans?
Replies: 58
Views: 4108

Re: Will we make it saving only in employer plans?

OP is saving 17% (after company matching) — yes reasonable, but they may need more than that to maintain their lifestyle ballpark: $275 k fed taxes ~ $50 k (actually less due to 401k’s) state tax (assuming CA) $27.5 SS $22k leaves $175, then with $24 k childcare is still $151 k if they have to put $...
by Nestegg_User
Tue Dec 04, 2018 1:55 am
Forum: Investing - Help with Personal Investments
Topic: Will we make it saving only in employer plans?
Replies: 58
Views: 4108

Re: Will we make it saving only in employer plans?

but we didn’t have kids and the $24 k childcare {really? that expensive? live in nannies aren’t much more}. 24k/yr works out to $12/hr. I challenge you to find a live in nanny that will accept that kind of all-in wage in a HCOL Area. OP never said Bay Area.... other posts have indicated that the lo...
by Nestegg_User
Tue Dec 04, 2018 1:38 am
Forum: Investing - Help with Personal Investments
Topic: Will we make it saving only in employer plans?
Replies: 58
Views: 4108

Re: Will we make it saving only in employer plans?

unless you have only recently been getting that compensation, you are an underachieving accumulator of wealth. when we had that income, in a MCOL area, we EACH maxed our 401k’s ( one limited due to HCE rules) and still put over $50 k into taxable.... easily. but we didn’t have kids and the $24 k chi...
by Nestegg_User
Tue Dec 04, 2018 1:15 am
Forum: Investing - Help with Personal Investments
Topic: how to advice super conservative parents
Replies: 14
Views: 1086

Re: how to advice super conservative parents

I’m going to have to disagree on some points I will take a shot at this. However, beyond that. I am thinking a few other things 1. convert some CDs (when they mature) into safe bonds (treasury or muni bonds maybe), it should save some tax and beat the ~3% bank interest. I wouldn't push it. It is no...
by Nestegg_User
Sat Dec 01, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: "The Steak Dinner Annuity Pitch"
Replies: 60
Views: 7189

Re: "The Steak Dinner Annuity Pitch"

I would view it as ethical if I was accompanying someone who was going to one, so as to give a counterpoint to their claims. I’ve done that for someone who was going to one of those “buyer club” type seminars. They had fell for the salesman’s claims; when I showed them how much they would have to pu...
by Nestegg_User
Sat Dec 01, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: The BIG question - Asset allocation in retirement
Replies: 17
Views: 1789

Re: The BIG question - Asset allocation in retirement

Another mystery solved for me this evening . . . ." who the heck is OP?" Took me a bit of digging to figure out it was the Original Poster (in case anyone else other than me doesn't know). An excellent question that has been asked several times related to the AA is whether or not I have/will have s...
by Nestegg_User
Sat Dec 01, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move to a more conservative AA? 80/20 to 60/40?
Replies: 67
Views: 4458

Re: Should I move to a more conservative AA? 80/20 to 60/40?

OP when do you need the money for retirement? if ~30 years, yes, I would recommend a high equity portfolio (keep expenses low) and let it ride of the next 3 decades. if you are going to FIRE (financially independent, retire early), you may want a more conservative asset allocation. Given that the O...
by Nestegg_User
Sat Dec 01, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Employee Health Insurance Issues/Pending Retirement
Replies: 3
Views: 524

Re: Fed Employee Health Insurance Issues/Pending Retirement

remember that your cost will go up since you were eligible for pre-tax payments for HI which in retirement will only be able to use post-tax payments if I remember, you cannot contribute to an HSA after you start Medicare, but you could use existing account, so that may impact your decision. (but BF...
by Nestegg_User
Sat Dec 01, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Manager suddenly passed away - New manager ethical dilemma
Replies: 23
Views: 4041

Re: Manager suddenly passed away - New manager ethical dilemma

feet are made for walking.... you’ve already talked to the director; any comments that you make are hearsay since it appears that you weren’t the one (potentially coerced) re the recommendation so no viable case could be made by you for an ethics violation. since two employees have already left, the...
by Nestegg_User
Sat Dec 01, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: New Homeowner in Retirement/Travel Concerns
Replies: 16
Views: 2098

Re: New Homeowner in Retirement/Travel Concerns

the tone of your post seems to indicate that, initially at least, you should rent an apartment ....and if it’s like a typical college town rent farther from campus as those nearby the campus are viewed as premium (for students, especially if it’s a university with graduate students) and priced accor...
by Nestegg_User
Tue Nov 27, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: Withdrawals
Replies: 11
Views: 1023

Re: Withdrawals

Time2Quit ...assuming that they are in taxable accounts: first, sell equities if any are eligible for tax loss harvesting __that gives you both the money that you need and allows for reduction of tax second, check for your then current allocation versus your allocation in your IPS. If roughly at lev...
by Nestegg_User
Mon Nov 26, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Job Offer - Should I take it?
Replies: 58
Views: 3856

Re: Federal Job Offer - Should I take it?

the compensation for Feds in the Bay Area has been bad for decades; I remember decades ago the Feds offering for positions there ( naval center and another agency) __both were laughable as were some private sector offers in NYC, at the time. as the OP mentioned EPA, have they examined the EPA Cincin...
by Nestegg_User
Sat Nov 24, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Helping a friend with his manager
Replies: 33
Views: 1809

Re: Helping a friend with his manager

artic I’m sure that there’s probably individual account closure fees, as well, so it’s gonna be a lot more than just $420. ...and we don’t know what type of tax issues he’ll be in store for....so make sure that he downloads ALL of the statements for his accounts beforehand as he’ll lose access the m...