Search found 38 matches

by Tadpole
Thu Nov 07, 2019 3:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 101
Views: 13066

Re: Vanguard brokerage account transition

I called early this morning and talked to a representatives. She saw the same thing I did and offered to fix it but when she tried to fix it she got the same error that I did. She said she would report the problem and, hopefully, I would see it fixed some time in the future.
by Tadpole
Tue Nov 05, 2019 6:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 101
Views: 13066

Re: Vanguard brokerage account transition

Something may have gone wrong when my husband's IRA rollover was transitioned last August. He had already paid his RMD for 2019 in May before his account was transitioned. Now, Vanguard is saying that we still need to take a RMD of the same amount as we took in May 2019. A copy of his RMD withdrawal...
by Tadpole
Fri Sep 08, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 73889

Re: Equifax customer information leak

It gets worse. If you put in six numbers and it allows the enrollment instead of the wait unit the 13th type message, the enrollment page asks for full name, full SS number and address. Who trusted these people with our personal data in the first place? Does the government report SS numbers to the c...
by Tadpole
Sat Mar 25, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Social Security - 2 year inflation adjustment gap
Replies: 22
Views: 3336

Re: Social Security - 2 year inflation adjustment gap

The article sited covered the birth years up to 1946. In 2010 Andrew Biggs wrote this brief describing a similar phenomena between cohorts of the 1947 and 1948 birth years (apparently caused by timing of the 5.8% increase in October time frame and the age 60 effect). See the bar graph on the second ...
by Tadpole
Wed Aug 10, 2016 5:54 pm
Forum: Personal Investments
Topic: Investing a rollover of a few hundred thousand
Replies: 14
Views: 1691

Re: Investing a rollover of a few hundred thousand

+1 If you want a fixed 60% bonds, then LS conservative stays there. (Some people do prefer Wellesley.) If you want 70% bonds now and future, then Target Retirement Income is fine. If you want to gradually go from 60 to 70% bonds 2015 is fine. All of these are acceptable. If you really want CDs for ...
by Tadpole
Wed Aug 10, 2016 5:42 pm
Forum: Personal Investments
Topic: Investing a rollover of a few hundred thousand
Replies: 14
Views: 1691

Re: Investing a rollover of a few hundred thousand

dbr wrote:
Tadpole wrote:Thanks everyone for your help. I will look at LifeStrategy and VDIGX.
Why VDIGX.
t3chiman suggested: "Vanguard Growth and Income fund, VDIGX". I didn't check the ticker but admitted I would need to investigate it.
by Tadpole
Wed Aug 10, 2016 5:39 am
Forum: Personal Investments
Topic: Investing a rollover of a few hundred thousand
Replies: 14
Views: 1691

Re: Investing a rollover of a few hundred thousand

Thanks everyone for your help. I will look at LifeStrategy and VDIGX.
by Tadpole
Tue Aug 09, 2016 11:28 am
Forum: Personal Investments
Topic: Investing a rollover of a few hundred thousand
Replies: 14
Views: 1691

Investing a rollover of a few hundred thousand

I was hoping to get some suggestions on investing at Vanguard after a rollover. We were abruptly hit with a change in my husband's defined contribution plan that led to a decision to roll his deferred retirement account to Vanguard. We had to act hastily so, for now, I have arranged to have the enti...
by Tadpole
Sun Mar 06, 2016 4:10 pm
Forum: Personal Investments
Topic: Direct deposit of RMD money from Fidelity to Vanguard?????
Replies: 0
Views: 455

Direct deposit of RMD money from Fidelity to Vanguard?????

Does Vanguard have a routing number? I set up a brokerage account with Vanguard Prime Money Market (Settlement Fund) and seeded a couple of mutal funds in the account. I thought I could ACH my husband's RMD (starts this year) to this account from his workplace DC plan at Fidelity. I got the setup fo...
by Tadpole
Tue Aug 04, 2015 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Benefits - so confusing
Replies: 17
Views: 2744

Re: Spousal Benefits - so confusing

MrTimeWait, Thanks, you have the answers. I'm so glad I ran into you here.
by Tadpole
Tue Aug 04, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Benefits - so confusing
Replies: 17
Views: 2744

Re: Spousal Benefits - so confusing

MrTimeWait, Thanks, that's just what I wanted to know. I guess I will need to call them after January 1 since I think it only gets the 8% as a single payment and not monthly.

JW Nearly Retired, I already know my spousal benefit amount. Thanks.
by Tadpole
Mon Aug 03, 2015 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Benefits - so confusing
Replies: 17
Views: 2744

Re: Spousal Benefits - so confusing

My husband started at age 63 and received a reduced benefit. I applied for spousal at age 66 (FRA) and received 50% of his PIA. I do use AnyPIA but I was surprised that I was no longer allowed to inspect the current value of my unclaimed benefit at SSA website. I mostly want to know if there is any ...
by Tadpole
Mon Aug 03, 2015 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Benefits - so confusing
Replies: 17
Views: 2744

Re: Spousal Benefits - so confusing

MrTimeWise, I signed up for spousal benefits at my FRA last December. I told the SSA representative that I wanted to let my own ride until age 70 and collect the 8% extra per year. He said he understood and preceded to start my spousal which I am currently getting. The spousal is about one quarter o...
by Tadpole
Wed Jun 11, 2014 10:42 am
Forum: Investing - Theory, News & General
Topic: Edward Jones came to my door
Replies: 44
Views: 5137

Re: Edward Jones came to my door

I had a visit from a EJ woman three years ago when we first retired and moved to this location. I cracked the door as I do for all strangers and politely sent her permanently on her way. We have had no more EJ visits. Perhaps this is a suggestion during their training of how to get clients and earn ...
by Tadpole
Tue Apr 29, 2014 8:37 am
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 49
Views: 14640

Re: Baby Boomers: Top 10 Movies

I guess these were technically originally plays but:

Hair
Jesus Christ Superstar

And then, of course, since I am listing things that technically weren't originally movies, Sargent Pepper's Lonely Hearts Club Band (film).
by Tadpole
Wed Apr 16, 2014 3:07 pm
Forum: Investing - Theory, News & General
Topic: TIAA TPA rollover to Roth?
Replies: 10
Views: 695

Re: TIAA TPA rollover to Roth?

I got the opposite impression but didn't ask. Please post back here if you get an answer from TIAA.
by Tadpole
Wed Apr 16, 2014 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: SS Strategy Metric
Replies: 55
Views: 5947

Re: SS Strategy Metric

I minimized the impact of my death on my husband's income.
by Tadpole
Sun Oct 06, 2013 9:46 am
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa card for Gas program changing, now with a fee.
Replies: 132
Views: 141726

Re: PenFed Visa card for Gas program changing, now with a fe

My current status is the same as runner9.
by Tadpole
Thu Aug 30, 2012 6:52 am
Forum: Personal Investments
Topic: help understanding ORP report plan please
Replies: 12
Views: 967

Re: help understanding ORP report plan please

I'm retired, age 63. Maybe the calculator isn't as good after retirement. The results I get are hard to consider executing. It wants me to convert about $230K to Roth this year; yes, in one year. The tax produced is $58K. The calculator may be correct but I'm not psychologically prepared to do such ...
by Tadpole
Wed Oct 12, 2011 5:42 am
Forum: Personal Investments
Topic: Contribution Limits for 403(b)/401(k) Accounts for 2012
Replies: 12
Views: 5312

stargazer,

I have used the following link for updates to the limits. It usually has them posted as soon as the numbers are available.

http://benefitsattorney.com/modules.php?name=415
by Tadpole
Mon Aug 22, 2011 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Moving Out of the Fast Lane - Second Life Career
Replies: 35
Views: 5217

Re: Moving Out of the Fast Lane - Second Life Career

The sticking point in my decision to return to school and train for a second career I expect to enjoy much more than my current one...is the predicted future cost of health insurance. It pains me to think I will need to stay with my federal govt. employer for an additional 8 years to gain access to...
by Tadpole
Tue Aug 09, 2011 4:26 pm
Forum: Personal Consumer Issues
Topic: Favorite malapropisms
Replies: 64
Views: 8341

I grew up in the MS Delta and used many of these. I am not sure whether this originated with my family or I just didn't pick up the words properly when I was a baby. But no one teased me or corrected me. Most disappeared over the years but there is still one I have to stop and think about before I u...
by Tadpole
Mon Aug 08, 2011 1:57 pm
Forum: Investing - Theory, News & General
Topic: Declines in stocks spark demand for safe US govt debt
Replies: 32
Views: 2559

As one surfs the net today, everything makes sense.

There is the "buy while blood is in the street" crowd.

There is the "flight to safety crowd".

There are a lot of amiable encounters taking place.
by Tadpole
Wed May 18, 2011 10:45 am
Forum: Personal Consumer Issues
Topic: Optimist or Pessimist on USA?
Replies: 57
Views: 15234

I want to tell you why I am optimistic. I just retired. Before I retired many young employees joined my group. I don't care what other people say, these young people were breath-taking compared to what I remember as "us youngsters" when I first entered the workplace. The major attribute I saw was th...
by Tadpole
Tue Apr 19, 2011 2:19 pm
Forum: Forum Issues and Administration
Topic: Who else has written cringe-worthy posts?
Replies: 39
Views: 7324

I remain as I began, a Tadpole. Can't hop and slurp like my older brothers but can swim a tad.
by Tadpole
Thu Apr 14, 2011 1:43 pm
Forum: Personal Consumer Issues
Topic: Flat Screen TVs
Replies: 36
Views: 5158

I just bought three VIZIOs from Costco. We have a Costco down the street. So I visited and looked at the floor models. I was pretty picky about the larger flatscreen as I wanted at least one loaded with ports, wireless, bluetooth etc. After deciding on just what I wanted, I ordered the TVs from the ...
by Tadpole
Tue Mar 22, 2011 9:50 am
Forum: Investing - Theory, News & General
Topic: The TSP Thursday Effect
Replies: 7
Views: 1685

Re: The TSP Thursday Effect

As a TSP participant, I make regular, automatic contributions, proportions of which are distributed to the C, S, and I equity funds. These funds are purchased at Thursday's closing price every other week. I have often checked my balance after a contribution and thought, "what a rotten price." For i...
by Tadpole
Sat Mar 19, 2011 4:31 pm
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 99
Views: 13410

With me it is not the expense. I enjoy the NYT but I am rather tired of endless little piddling monthly/yearly payments to first one thing then the other. So it's your fault. The NYTimes thought to itself, "Should we charge a piddling $10 a year? No, Tadpole won't like that. Let's charge $15 to $35...
by Tadpole
Sat Mar 19, 2011 10:46 am
Forum: Personal Consumer Issues
Topic: delivery big screen TV?
Replies: 22
Views: 3177

I recently moved across country leaving almost all my old stuff behind. I bought 3 new flat screen LCD TVs from the Costco website, rather than the Costco down the street in order to get the TVs delivered without needing to either get help from a neighbor to get them in the house or needing to rent ...
by Tadpole
Sat Mar 19, 2011 10:01 am
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 99
Views: 13410

There may be an evolution in the future. Actually, one similar to the Comcast model. (I hope better.) If news and opinion access is destined to go behind subscription walls, I think most people will not be able to afford to pay for individual subscriptions for their routine reading. But, were that t...
by Tadpole
Fri Mar 11, 2011 12:15 pm
Forum: Personal Consumer Issues
Topic: High Speed Broadband - Alternatives
Replies: 8
Views: 1817

I picked up VM Broadband2go unlimited at the end of November. I have never gotten good speeds and it sometimes feels like dial-up or worse (less reliable). Some people seem to get really good speeds and others never do. I have good signal strength so it is a mystery. It could be the computer's wirel...
by Tadpole
Thu Mar 10, 2011 5:21 pm
Forum: Investing - Theory, News & General
Topic: Household net worth as a percent of GDP
Replies: 2
Views: 804

To me it means a lot of people bought awfully high in the past twenty years. I guess when I hear people suggest a reversion to the mean, I have to wonder - "what mean?" and who should be used in the average?
by Tadpole
Wed Feb 09, 2011 12:18 pm
Forum: Investing - Theory, News & General
Topic: Boomers with 250K considered "wealthy"!
Replies: 131
Views: 23724

pjstack is correct about bank loans made to retirees. I recently (< 3 mo. ago) bought a house on the West Coast where I live today. At the time, I was retiring at the end of the year and owned a house of greater value on the East Coast. The bank was only interested in my pension, SS, and non-401K ty...
by Tadpole
Tue Jan 11, 2011 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation Question - paying taxes to old state after move
Replies: 23
Views: 3995

If I were you, I would would check with a reputable tax preparer in the State of Maryland (or even the Maryland Tax Dept) before you leave. I don't think Maryland really cares when you actually received the check, as long as the State code on the W2 indicates MD. Thanks. We already have a tax prepa...
by Tadpole
Tue Jan 11, 2011 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Taxation Question - paying taxes to old state after move
Replies: 23
Views: 3995

sscrit, Wow, you seem to know almost everything. Thanks! I arrived in Washington State on 9 Jan 2011. The check will be deposited by the government into my BoA account on 13 Jan 2011. I don't think this matters but I sold my house in MD 22 Nov 2010 and bought a house in WA on 1 Dec 2010 declaring, f...
by Tadpole
Tue Jan 11, 2011 4:35 am
Forum: Personal Finance (Not Investing)
Topic: Taxation Question - paying taxes to old state after move
Replies: 23
Views: 3995

I have been wondering about a similar situation. I retired on 31 Dec 2010. My last paycheck was earned in MD. Since I worked for the federal government my excess annual leave will be paid out in my next paycheck which I will receive next week. I currently live in WA where there is no income tax. Do ...
by Tadpole
Mon May 31, 2010 11:44 am
Forum: Investing - Theory, News & General
Topic: Informal Survey on Stock and Bond Mix
Replies: 23
Views: 3451

if I die my instruction to my wife is to put everything into TR2020, but I've tried to make it explicitly clear she shouldn't actually retire in 2020. I'm thinking about changing these instructions as I think it still confuses her, like she'll get in trouble with the IRS if she doesn't retire in 20...
by Tadpole
Mon May 31, 2010 7:34 am
Forum: Investing - Theory, News & General
Topic: Do International Funds really diversify a portfolio?
Replies: 44
Views: 5742

Since about half my investments are in the TSP, I went and checked the data. Since 2000 the returns of the S&P (C Fund) and EAFE (I Fund) have been strongly correlated with respect to sign but the magnitudes have been different. Overall 2000-2009 the returns of C and I have been -.94 and 1.10 respec...