Search found 85 matches

by rick51
Mon Sep 02, 2019 1:37 pm
Forum: Investing - Theory, News & General
Topic: Dr. Bill Bernstein: Next "Bogleheads on Investing" podcast guest
Replies: 56
Views: 6236

Re: Dr. Bill Bernstein: Next "Bogleheads on Investing" podcast guest

In the 2010 version of his book, The Four Pillars of Investing, on page 255 he recommends to avoid placing the Vanguard Total International Fund in a taxable account because it’s a fund of funds and not eligible for foreign tax exclusion. Is this correct?
by rick51
Sun Jul 21, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Should relative incomes be a factor in wedding gift?
Replies: 107
Views: 7167

Re: Should relative incomes be a factor in wedding gift?

Quite a disparity in “normal” gifts. I guess it reflects the general economic/cultural disparity in our society. Recently went to one of our best friends’ daughters wedding. Gave our standard cash gift ($1,000). Lovely wedding. Probably more than most would give but we tend to be generous in most t...
by rick51
Sat Jul 06, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5118
Views: 1311139

Re: What Movie Have You Recently Watched?

Took my tweenage grandsons to Spiderman - Far From Home (in theater). I was surprised at how much I enjoyed the film, but this was more about bonding with the grandkids and they really enjoyed the film.
by rick51
Sat Mar 30, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 36893

Re: "The best and worst U.S. states for retirement"

I once lamented to a Floridian friend that by the time I was ready to retire all the real estate in Florida would be gone. He said with a wry smile,not to worry, a third of the real estate in Florida is for sale every day. https://www.worldatlas.com/articles/the-us-states-with-the-oldest-population....
by rick51
Thu Mar 21, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: When is it time for a new smartphone?
Replies: 66
Views: 4671

Re: When is it time for a new smartphone?

If you keep an old phone that is functioning properly, that's not cheap, that's frugal. If you keep an old phone that has a defect that in your own words is annoying, well then, I have to side with your family :wink: Time to replace. As has been suggested, how about a new older model?
by rick51
Sat Mar 16, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 179
Views: 26786

Re: Why should FEHB members buy Medicare Part B?

This is an excellent thread with no action for some time now. It's 33 months old and past the decision point for a few posters. If you are still out there, what did you finally decide? And is there anything that has happened in the last few years that would impact this decision? I made my decision 3...
by rick51
Thu Mar 14, 2019 6:36 am
Forum: Personal Investments
Topic: tIRA to TSP and Prorata rule
Replies: 20
Views: 1108

Re: tIRA to TSP and Prorata rule

Thank you Alan S. Pub 590A, p. 21 is exactly the sort of reference I was looking for.
by rick51
Wed Mar 13, 2019 4:41 pm
Forum: Personal Investments
Topic: tIRA to TSP and Prorata rule
Replies: 20
Views: 1108

Re: tIRA to TSP and Prorata rule

So if I can complicate my original TSP post, which I think might apply to any 401(K) type plan that allows IRA to employer plan transfers - What if one transfers most of the pretax dollars back to the employee plan (TSP in my case) leaving a tIRA that is now mostly post tax dollars. I assume if you ...
by rick51
Tue Mar 12, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 35904

Re: [2018 tax return - How does it compare to previous years?]

My taxes went up about $300 when taking new standard deduction, but state taxes jumped a few grand. If you take the Federal standard deduction, you can't itemize your Maryland state return. I ran my taxes both ways and I can either itemize and send a few extra grand to the Feds (SALT limits make ite...
by rick51
Thu Feb 28, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 266
Views: 15736

Re: How do YOU make coffee?

Windylotus wrote:
Thu Feb 28, 2019 3:55 pm
Bronko wrote:
Thu Feb 28, 2019 3:41 pm
Burr grind whole beans from Costco every morning. Electric kettle the water to boil and use a french press. Takes a few extra minutes but the taste is great and cost is right.
+1
+2
by rick51
Fri Jan 18, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: Wild Planet Sardines quality problem [Review of sardine brands]
Replies: 36
Views: 5168

Re: Wild Planet Sardines quality problem [Review of sardine brands]

Slightly of topic, but I buy Wild Planet Mackerel from Morocco and the quality has been good.
by rick51
Thu Jan 10, 2019 8:32 am
Forum: Personal Investments
Topic: tIRA to TSP and Prorata rule
Replies: 20
Views: 1108

Re: tIRA to TSP and Prorata rule

Thanks to all for the replies. I did speak with the TSP again and they confirmed what jchris has said about section II of form TSP- 60. They will accept a letter certifying its a qualified plan, if they won't complete the TSP-60, and I can specify the amount to transfer. I'll give Vanguard another c...
by rick51
Tue Jan 08, 2019 10:36 am
Forum: Personal Investments
Topic: tIRA to TSP and Prorata rule
Replies: 20
Views: 1108

tIRA to TSP and Prorata rule

If you have a traditional IRA with non-deductible (taxed) contributions as well as deductible (tax-deferred) contributions, can you move just the tax-deferred funds to your tax-deferred TSP account? The TSP help line thinks maybe yes, Vanguard (my IRA custodian) is not sure and views it as tax quest...
by rick51
Sat Sep 15, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 6189

Re: [Wearing] Shorts in Egypt

Looks like the OP is good to go, but let me suggest checking out the Rick Steves videos of Egypt on Youtube to get a glimpse of what the well dressed man on the street is wearing today.
by rick51
Sat Sep 15, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 6189

Re: [Wearing] Shorts in Egypt

I went on a tour traveling throughout Israel visiting holy sites recently (close enough?). The pants that I wore the most were ultra light weight, fast drying, nylon, UV blocking, long pants. (not the kind that convert to shorts). I got two pair before the trip on sale at REI. One by Patagonia and o...
by rick51
Thu Sep 06, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 71
Views: 8045

Re: What did you do with your first RMD withdrawal money?

This post has a little bit of age on it, but I wanted to follow up on one of the responders that mentioned putting their RMD in a 529 plan. I'm presuming this means that you can take your RMD then use the proceeds to fund a 529 to pay the tuition for a family member that maybe entering college there...
by rick51
Wed Sep 05, 2018 2:59 pm
Forum: Personal Investments
Topic: small amount in tsp
Replies: 20
Views: 1688

Re: small amount in tsp

So if you have a retirement plan (e.g. the TSP) and you have a tIRA that has a basis due to non-deductible contributions then you can roll funds from the tIRA to the retirement plan as long as the balance in the tIRA on the date of transfer is equal to or greater than your basis. What happens to the...
by rick51
Mon Sep 03, 2018 7:40 pm
Forum: Personal Investments
Topic: small amount in tsp
Replies: 20
Views: 1688

Re: small amount in tsp

Thanks for the info Spirit Rider. I'm curious as to what happens tax-wise if you move the pre-tax money to the TSP and the non-deductible contributions (post-tax money) remaining in the tIRA falls in value below your basis making it seem as though you have transferred too much?
by rick51
Sun Sep 02, 2018 2:27 pm
Forum: Personal Investments
Topic: small amount in tsp
Replies: 20
Views: 1688

Re: small amount in tsp

What if your tIRA has some non-deductible (post tax dollars) contributions in it, can you send just the pretax dollars to your non-ROTH TSP account leaving just your basis amount in your tIRA?
by rick51
Sat Jul 28, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Regret Public School?
Replies: 75
Views: 6716

Re: Regret Public School?

[quote]Every private school is different. Every public school is different. Every child is different. Every family's ability to pay for private school and/or a highly rated public school neighborhood is different. [/quote] Thank you Isabelle77, and sometimes dramatically so... And thanks to denovo f...
by rick51
Wed Jul 25, 2018 1:30 pm
Forum: Personal Investments
Topic: Invest in guaranteed return or stock market?
Replies: 73
Views: 3820

Re: Invest in guaranteed return or stock market?

So have we learned the nature of this asset yet? Could it be an annuity of some sort?
by rick51
Fri Mar 09, 2018 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Time Frame for OPM to Process New Federal Retirement?
Replies: 1
Views: 302

Re: Time Frame for OPM to Process New Federal Retirement?

You should have received your last regular paycheck 2/1/18. On 3/1 you should have received your first annuity check which is normally an estimated number, mine was about 80 to 90 % of the final number. It should arrive electronically to your bank on the first of the month. In my case, it was month ...
by rick51
Mon Mar 06, 2017 7:32 am
Forum: Personal Consumer Issues
Topic: Organic Alternatives for Lawn and Garden Care
Replies: 35
Views: 3773

Re: Organic Alternatives for Lawn and Garden Care

There are several web sites that might be helpful. Try your county's extension service for starters.
by rick51
Mon Feb 20, 2017 11:12 am
Forum: Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 35517

Re: Wow, Vanguard Flagship service is bad. Really bad.

How common is a "loss of assets/money". This has happened to me only once in the last 60 years and it was my bank that was on the losing end of the transaction. I got a letter from my bank 6 months later saying they had discovered an error in their year end audit and they would be debiting my accoun...
by rick51
Sat Dec 10, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 9022

Re: Frying pan recommendations

To FedGuy, I'm no expert, just repeating what I saw on Youtube, but apparently a well seasoned cast iron pan will be very slick with near non-stick finish, the Lodge preseasoned pans don't preform as well and are tougher to clean up after cooking in them. Search "cast iron pans" on YouTube.
by rick51
Sat Dec 10, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 9022

Re: Frying pan recommendations

I got a trio of Tramontina Pro 3004 non-stick skillets from Costco a few years ago and they are the best non-stick pans I have ever owned. I also have two All-Clad frying pans that aren't non-stick that I've had for many years and they are also great. I have just one Lodge cast iron pan, works great...
by rick51
Thu Oct 20, 2016 7:15 pm
Forum: Personal Consumer Issues
Topic: Putting in a Word About Tea - brands, types, etc.
Replies: 85
Views: 11513

Re: Putting in a Word About Tea - brands, types, etc.

Bewley's Irish Breakfast Tea. You may have to order this one on line.
by rick51
Fri Oct 07, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 11427

Re: Vitamix Worth It?

Don't fads come and go? This appliance has been around for a while. Of late it is attracting a lot of competition. Check out this youtube video... :wink:
https://youtu.be/pJ0uz6YdTcM
by rick51
Sun Aug 14, 2016 4:53 pm
Forum: Personal Consumer Issues
Topic: Is this a scam: James Rickards
Replies: 19
Views: 45227

Re: Is this a scam: James Rickards

This guy has written a new book for 2016. [i]The New Case for Gold[/i]. The posts above notwithstanding, this is an interesting read. In this book he is recommending a well diversified portfolio that includes 5 to 10% of physical gold. He discusses the arguments for and against personal ownership of...
by rick51
Thu Dec 05, 2013 6:57 pm
Forum: Personal Investments
Topic: TSP I Fund
Replies: 12
Views: 2062

Re: TSP I Fund

If all your investments are tax deferred, then it sounds good to me, but if you have funds in taxable accounts you are giving up the tax credit that usually comes with ownership of international stocks/funds in taxable accounts. At some point, it seems yours savings on ER get overtaken by the loss o...
by rick51
Tue Dec 03, 2013 4:18 pm
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 9275

Re: Wine for daily consumption?

The boxed wines from Bota and Black Box are both good values, my favorite is the Bota Shiraz. On the boxed wine debate, I heard an interview last year with a wine maker who claimed the main reason that fine wines that improve with aging for many years aren't boxed is that the material that the bag i...
by rick51
Thu Aug 29, 2013 8:17 pm
Forum: Personal Investments
Topic: My wife and I have inherited two variable annuities...
Replies: 58
Views: 8115

Re: My wife and I have inherited two variable annuities...

I inherited a small JH annuity too, and as I recall, I received a detailed letter spelling out my options. Was there no correspondence? Is your wife not getting annual letters on the account? A phone call to the company is a good idea.
by rick51
Sun Jun 02, 2013 6:43 am
Forum: Personal Finance (Not Investing)
Topic: I want health insurance that will never deny my claim
Replies: 33
Views: 4132

Re: I want health insurance that will never deny my claim

A friend of mine living in MD and covered under Kaiser had a life threatening accident out of state, was medevacked to a non-Kaiser hospital and in the ICU then several rehab sessions. This was over a period of weeks. Kaiser covered it all with no hassle.
by rick51
Fri May 17, 2013 3:44 pm
Forum: Investing - Theory, News & General
Topic: $600M Powerball Jackpot - take cash or annuity?
Replies: 86
Views: 9318

Re: $550M Powerball Jackpot - take cash or annuity?

Wouldn't the trust have to have been in existence prior to the drawing?
by rick51
Tue May 14, 2013 6:30 pm
Forum: Personal Investments
Topic: Active versus Passive
Replies: 29
Views: 2797

Re: Active versus Passive

koparar1 - When I moved my assets I was given a complementary review and plan by a Vanguard planner. There may be a fee for this, if your total assets are below a certain level (not sure about current policy on this).
by rick51
Tue May 14, 2013 8:23 am
Forum: Personal Investments
Topic: Active versus Passive
Replies: 29
Views: 2797

Re: Active versus Passive

Interesting Vanguard paper on this. Conclusion, for all of us, passive investing is the preferred strategy (no surprise there), but if you are skilled at selecting skilled managers (few of us are), active investing can play a supporting ("satellite") role in a predominately indexed portfolio. [url]h...
by rick51
Tue May 14, 2013 6:39 am
Forum: Personal Investments
Topic: Just Sold Out. What do you think?
Replies: 95
Views: 9563

Re: Just Sold Out. What do you think?

I think this board would have suggested that you hold your well diversified collection of baseball cards.
http://collectibles.about.com/od/prices ... ll0106.htm :)
by rick51
Thu May 09, 2013 10:48 am
Forum: Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 8706

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

I think you may be expecting too much from a "free" service, scheduling conflicts/snafus will happen. As for a steady planner, I think you should be able to get one and stick with him/her. I went through 3 planners with VG and basically ended-up interviewing them. I settled on one with the credentia...
by rick51
Tue Apr 30, 2013 2:06 pm
Forum: Personal Investments
Topic: After Tax 401K Rollover to Roth IRA, Continued
Replies: 63
Views: 39819

Re: After Tax 401K Rollover to Roth IRA, Continued

I see this is an aging thread, but I can't tell if its truly resolved. Picking up on the earlier reference to IRS Notice 2009-75 (maybe there is something more recent?) - [quote]Section 824 of PPA ’06 amended the definition of qualified rollover contribution in § 408A of the Code (relating to Roth I...
by rick51
Mon Mar 18, 2013 8:18 pm
Forum: Personal Consumer Issues
Topic: European River Cruises
Replies: 15
Views: 2374

Re: European River Cruises

My wife and I did a Rhone river cruise with Avalon. We were very pleased with this cruise line.
by rick51
Fri Mar 08, 2013 5:42 pm
Forum: Personal Investments
Topic: Which fixed income fund to pair with my TSP G Fund?
Replies: 18
Views: 1665

Re: Which fixed income fund to pair with my TSP G Fund?

I pair the G fund with Vanguard Total Bond Fund.
by rick51
Mon Mar 04, 2013 6:06 am
Forum: Investing - Theory, News & General
Topic: Build Your Own Annuity
Replies: 157
Views: 18395

Re: Build Your Own Annuity

Not that such a product is currently available, but what percent of annual payout would you have to be offered to opt for a non-inflation protected SPIA vs inflation protection. Assume you have 30 years of life ahead of you.
by rick51
Thu Jan 17, 2013 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: States to Seniors: Good Times May Be Ending
Replies: 15
Views: 2453

Re: States to Seniors: Good Times May Be Ending

Re: the map, it doesn't look like all that is being proposed is directed at seniors or even cost cutting for that matter?
by rick51
Tue Jan 01, 2013 9:54 am
Forum: Personal Investments
Topic: Trouble with using Vanguard website
Replies: 14
Views: 1977

Re: Trouble with using Vanguard website

I talked to Vanguard on this issue. Your Balance and Holdings should be correct though there will be some lag between market close and the posting of closing balance for the day. The Overview page gets updated later and should be correct by the next morning.
by rick51
Wed Dec 19, 2012 9:56 pm
Forum: Personal Investments
Topic: SPIA's
Replies: 7
Views: 840

Re: SPIA's

Actually, I am trying to understand a chart on the Wiki under annuities that shows historical comparison of payout on $100,000 premium annuity and corporate bonds and treasuries and, oops, it says 65 yrs not 60, but it looks like 8% for a male as of 2009. I can't seem to cut and paste it to show you...
by rick51
Wed Dec 19, 2012 7:52 pm
Forum: Personal Investments
Topic: SPIA's
Replies: 7
Views: 840

SPIA's

Is 8,000/yr from a $100,000 SPIA at age 60 a good deal in today's economy?
by rick51
Fri Dec 07, 2012 5:50 am
Forum: Personal Consumer Issues
Topic: Problems with Vanguard's New Site
Replies: 42
Views: 9558

Re: Problems with Vanguard's New Site

To katsmeow:

Mine is doing the same, Vanguard tells me they are aware of it, working the problem, but have no estimate of when it will be resolved.