Search found 158 matches

by Kuckie
Wed Nov 22, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Concerned parent :(
Replies: 56
Views: 6855

Re: Concerned parent :(

Most people advise a 529 plan, but I believe that a UGMA would be better for savings in today’s low interest environment. At 2 percent interest, the account would need to have $50 thousand in order to exceed the $1000 tax free interest reporting amount for a minor. In addition the UGMA may be used f...
by Kuckie
Sat Oct 14, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Can I fund my dad's taxable account?
Replies: 10
Views: 1022

Re: Can I fund my dad's taxable account?

When your Dad opens his taxable account, have him request deposit slips and prepaid envelopes. Upon receipt, grab a few for yourself. To make a deposit to his account: 1. Write your check payable to "The Vanguard Group" (adding fund number). 2. Include his account number on the check. Date and Sign....
by Kuckie
Mon Sep 04, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 13376

Re: Do you use lifestrategy/ asset allocation funds?

We are 100 percent invested in Life Strategy in all IRA accounts (Traditional and Roth). Although the E/R is slightly higher than the underlying individual funds, it is automatically rebalanced daily which is well worth the additional cost. The LS also seems better than Target Retirement because the...
by Kuckie
Tue Jun 13, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 3344

Re: Watch Batteries

I have a watch that needs battery replacement every year @$7.50/year. Perhaps you need a different brand watch. I have 3 Casio WaveCeptors (connects with NIST daily to self adjust time) and they only require battery replacement every 10 years. And the batteries are less than $10. Plus there are num...
by Kuckie
Sat Jun 03, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put IRA money for next year?
Replies: 9
Views: 818

Re: Where to put IRA money for next year?

Invest in a taxable account consistent with asset allocation.
by Kuckie
Fri Jan 27, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: If market crashed 50%, would you do a 401k roth conversion?
Replies: 22
Views: 2980

Re: If market crashed 50%, would you do a 401k roth conversion?

If market crashed 50%, would you do a 401k roth conversion?

YES for both a 401 K and IRA.
You would get twice the number of shares for the same tax cost.
by Kuckie
Thu May 05, 2016 1:05 pm
Forum: Investing - Theory, News & General
Topic: Your age in bonds minus ten? Not according to Vanguard
Replies: 93
Views: 11329

Re: Your age in bonds minus ten? Not according to Vanguard

boglephreak stated that Vanguard recommended 100% stocks to me. 60 total us, 40 total intl. https://personal.vanguard.com/us/funds/%20...%20mmendation Vanguard’s risk questionnaire doesn’t ask about age at all. Nor does it consider other sources of income. Depending on the answers, an 80 year old c...
by Kuckie
Wed May 04, 2016 4:31 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy Moderate Growth fund or its components?
Replies: 33
Views: 3795

Re: LifeStrategy Moderate Growth fund or its components?

Kelly wrote: Is there any reason why the LifeStrategy fund wouldn't produce nearly the same results if held in an IRA (assuming the individual funds were rebalanced to target every year)? Nope. Actually the Life Strategy Funds should probably do better since they are automatically rebalanced every ...
by Kuckie
Sun May 01, 2016 3:57 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 9523

Re: Consumer Reports Magazine & Website

I agree----there seems to be more of an "agenda" and associated with CR now, at least in comparison to years back Actually the agenda began, years ago , when Ralph Nader was hired as the chairman / president of CU and later resigned because CU did not push hard enough in his opinion on sa...
by Kuckie
Tue Apr 19, 2016 6:33 pm
Forum: Personal Consumer Issues
Topic: New grad [housing options in] moorestown, nj area
Replies: 13
Views: 1360

Re: New grad moorestown, nj area

Moorestown is great to live but has limited apartments and higher rents. Mount Laurel seems the best and is adjacent to Moorestown with a 10 minute commute. Lots of apartments at decent rates (for NJ), Shops, Restaurants, Rowan University. Other choices are Marlton, about 15 or 20 min away: Trendy s...
by Kuckie
Wed Apr 06, 2016 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Investing during recession
Replies: 32
Views: 3571

Re: Investing during recession

Stay the course.
by Kuckie
Wed Mar 30, 2016 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Which account should be more aggressive, Roth or traditional IRA
Replies: 21
Views: 3677

Re: Which account should be more aggressive, Roth or traditional IRA

If you plan to keep the IRA for a very long term, 20 years or more before withdrawals, IMO a Roth should probably have more aggressive funds, since over the long term stocks have advanced. For shorter terms before withdrawals, the Traditional IRA should probably be more aggressive since the governme...
by Kuckie
Sun Mar 27, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay more for USAA?
Replies: 23
Views: 3083

Re: Would you pay more for USAA?

Why would you say YES for USAA for checking?

Interest on checking, no fees, no minimums, and reimbursement of ATM charges
by Kuckie
Sat Mar 26, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay more for USAA?
Replies: 23
Views: 3083

Re: Would you pay more for USAA?

YES, for Auto and Homeowners Insurance because it is not only annual cost but great service and claims handling that must be compared. Other firms may quote a lower cost but ding you with poor service, lower settlements and denials on claims. YES for Checking, but NO on Savings and Credit Cards. NO,...
by Kuckie
Sun Mar 13, 2016 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Are CDs Becoming A Worse Investment?
Replies: 40
Views: 5639

Re: Are CDs Becoming A Worse Investment?

Toons wrote:
I consider them Certificates of Depreciation for long term monies

That is so true. CD pays 2 percent. Inflation is 3 percent, Taxes on the CD are 0.5 percent. Result is Depreciation of 1.5 Percent per year
by Kuckie
Sun Mar 13, 2016 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: advice for retirees in 80's
Replies: 6
Views: 1219

Re: advice for retirees in 80's

You are giving excellent advice on moving his investments to Vanguard Retirement Income or Target Retirement 2015. If he insists on staying with a single stock, try mentioning Enron, World Com, Chrysler and even GM. How would he feel if he lost everything, as these other investors did
by Kuckie
Sun Mar 13, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax - started with Premier but don't know I needed it?
Replies: 11
Views: 1064

Re: TurboTax - started with Premier but don't know I needed it?

I have only used the desktop (box) version over the years and originally started with Premier and later downgraded to Deluxe after finding there was no difference (except in the 2015 version). The 2016 version of Deluxe will accept everything that was previously saved in Premier and will also import...
by Kuckie
Thu Mar 10, 2016 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Is Roth IRA superior to Traditional IRA if you cannot deduct tIRA on state taxes? (NJ)
Replies: 31
Views: 2613

Re: Is Roth IRA superior to Traditional IRA if you cannot deduct tIRA on state taxes? (NJ)

NJ does not allow Traditional IRA deductions, as previously stated, but you are not taxed when receiving those distributions if retiring in NJ. The problem is that you need to keep track of all the contributions over the years so you can apportion the contributions from the interest, dividends, and ...
by Kuckie
Mon Mar 07, 2016 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax - Deluxe or Premier?
Replies: 20
Views: 2033

Re: Turbo Tax - Deluxe or Premier?

The 2016 Deluxe version will do everything that Premier can. All that Premier does is provide some hand holding support according to Intuit.
by Kuckie
Mon Mar 07, 2016 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Young Army Officer in Need of Financial Plan Feedback
Replies: 33
Views: 3251

Re: Young Army Officer in Need of Financial Plan Feedback

No one knows what the market will do tomorrow, next year, or the next decade so there is no reason to wait. The TSP is the best fund group in the world. if you are nervous, place the $18000 in the G fund for now and dollar cost average it into other fund groups, or the L fund, over the next 6 months.
by Kuckie
Mon Mar 07, 2016 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Young Army Officer in Need of Financial Plan Feedback
Replies: 33
Views: 3251

Re: Young Army Officer in Need of Financial Plan Feedback

Warner 25 wrote: Some thoughts from a senior captain here: 1. The TSP is an awesome benefit that is severely under utilized by most Soldiers because... I'm not sure why. Max it out and stay-the-course. 2. Your total compensation (it rarely makes sense to talk about basic pay alone) will double over...
by Kuckie
Sun Mar 06, 2016 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation and Vanguard Personal Advisory Services
Replies: 5
Views: 755

Re: Allocation and Vanguard Personal Advisory Services

One comment to make about PAS is that they recommend pretty much cookie cutter advice. This extends to their current sense of international allocation and to the tip of a hat to investment grade bonds. It is a little hard to understand why one would pay 0.3% for what can be given to anyone on a qua...
by Kuckie
Fri Mar 04, 2016 3:49 pm
Forum: Investing - Theory, News & General
Topic: "The Retirement Revolution That Failed: Why the 401(k) Isn’t Working"
Replies: 6
Views: 1882

Re: "The Retirement Revolution That Failed: Why the 401(k) Isn’t Working"

The problem is that most people prefer Instant Gratification in preference to sound Financial Planning. With a Defined Benefit Plan, the company sets aside a portion of the employees’ cost for retirement. With a 401k Plan the employee receives that extra amount as part of his/her gross salary and ha...
by Kuckie
Sat Feb 20, 2016 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Adviser Service vs Bogleheads Advice
Replies: 7
Views: 1277

Re: Vanguard Personal Adviser Service vs Bogleheads Advice

Is there a minimum time period required when enrolling in the Personal Adviser Service?
by Kuckie
Tue Jun 30, 2015 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Using an Ally savings account from Vanguard
Replies: 18
Views: 5099

Re: Using an Ally savings account from Vanguard

I have linked my Vanguard account to Ally with no issues, and have purchased and sold Vanguard shares with the proceeds being transferred automatically between Vanguard and Ally. Here are the steps: Establish an account with Ally, preferably using the same owner registration, if Vanguard is a joint ...
by Kuckie
Tue Jun 30, 2015 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when Admiral Shares drop below $50K?
Replies: 22
Views: 5120

Re: What happens when Admiral Shares drop below $50K?

Not to hijack, but has anyone had trouble with their money market going below the 3K minimum?

I have averaged about $1K in a money market fund for years, since much higher interest is available from Ally and other online banks, and Vanguard has said nothing.
by Kuckie
Tue Jun 30, 2015 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Additional Admiral Shares After Initial Purchase
Replies: 11
Views: 1616

Re: Buying Additional Admiral Shares After Initial Purchase

Yes, an electronic purchase of as little as $1, or a check of $100 will add Admiral shares to your qualified account.
https://www.bogleheads.org/forum/viewtopic.php?t=49187
by Kuckie
Fri Jun 12, 2015 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: New USAA IRA
Replies: 12
Views: 1754

Re: New USAA IRA

The only low cost fund in USAA’s portfolio is the S&P 500 Index fund which has an Expense/Ratio of .25%. All other USAA Fund E/R’s are double or more compared to Vanguard, or Fidelity Spartan.
by Kuckie
Thu May 07, 2015 6:26 pm
Forum: Personal Consumer Issues
Topic: Costco carpeting
Replies: 5
Views: 16543

Re: Costco carpeting

We had Costco / Shaw install carpeting in three bedrooms, hall, and stairway, three years ago and they did an excellent job, finishing in one day. Prior to installing the carpet, they tightened the sub flooring with screws to eliminate previous squeaking, without additional charges. The only, very m...
by Kuckie
Tue Apr 07, 2015 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: VG Target Funds vs VG Index Funds for grandchildren
Replies: 18
Views: 1848

Re: VG Target Funds vs VG Index Funds for grandchildren

You may want to consider a custodial account consisting of Life Strategy Growth Fund which has a 3K minimum, and maintains a constant balance of 80 percent in various equities. Income will be tax free (a tax return need not be filed), until it reaches $1000 and then is taxed at the child’s rate unti...
by Kuckie
Sun Apr 05, 2015 11:35 am
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 12767

Re: Did you learn anything from 2008?

I learned not to be as aggressive in my investments and to rebalance. I made the mistake of assuming that the market will continue to rise beyond 2008 after a decade of mediocre returns. However I also learned to make lemonade from the lemons in my IRA by taking the full RMD in 2009, plus an additio...
by Kuckie
Mon Nov 17, 2014 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund all I need?
Replies: 19
Views: 4001

Re: Target Date Fund all I need?

Life Strategy Moderate Growth = 60% stocks 40% bonds should approximate and maintain your current allocation forever. 1 Vanguard Total Stock Market Index Fund Investor Shares 42.3% 2 Vanguard Total Bond Market II Index Fund Investor Shares** 31.8% 3 Vanguard Total International Stock Index Fund Inve...
by Kuckie
Sat Aug 23, 2014 5:08 pm
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 47
Views: 11426

Re: "The Bogleheads' Guide to Investing -- Second Edition"

The second addition is available for download in both the Kindle (Amazon) and iTunes (Apple) format. Remember to post a comment or review on either the Amazon or Apple website in order to help others make a purchasing decision.
by Kuckie
Sat Jul 19, 2014 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Books or Articles for AA in Retirement
Replies: 8
Views: 612

Re: Books or Articles for AA in Retirement

Those who purchased Bogleheads books on Amazon.com should post a review on Amazon as prospective purchasers are greatly influenced by positive reviews.
by Kuckie
Sun Jun 29, 2014 7:18 pm
Forum: Personal Consumer Issues
Topic: N+ Routers
Replies: 27
Views: 2409

Re: N+ Routers

You should be looking into signal boosters . Is that the issue though . Do you have weak signals in places in your home ? Like not full bar wifi Signal boosters only increase the signal FROM the router to the client. They do nothing to increase the return signal from clients TO the router. Both are...
by Kuckie
Tue Mar 18, 2014 6:35 pm
Forum: Personal Consumer Issues
Topic: "gold" USB computer cables
Replies: 15
Views: 1078

Re: "gold" USB computer cables

Calm man wrote: I feel old or dumb. What does a USB cable have to do with the internet? If wireless, nothing right? And if connected to the computer from the router, wouldn't it be ethernet? No reason to feel old or dumb. A USB cable "can" be used to connect directly to a modem, although a...
by Kuckie
Tue Mar 18, 2014 5:42 pm
Forum: Personal Consumer Issues
Topic: "gold" USB computer cables
Replies: 15
Views: 1078

Re: "gold" USB computer cables

Media Bridge USB cables are well made and have extremely high ratings on Amazon.com (1400+ with almost all five stars) and cost about the same as Amazon Basics. But I wonder why you are having difficulty. One problem may be caused by pulling on the cord, rather than the connector.
by Kuckie
Tue Mar 04, 2014 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon 10% Fed refund bonus with TurboTax
Replies: 30
Views: 7819

Re: Amazon 10% Fed refund bonus with TurboTax

No need to buy TurboTax through Amazon or Intuit. I got mine through Vanguard and received the same 10 percent Amazon e-card offer.
by Kuckie
Fri Feb 28, 2014 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: What to do before 2015 Tax/IRA season
Replies: 7
Views: 1264

Re: What to do before 2015 Tax/IRA season

You should contribute to the ROTH TSP, not the regular, since your tax bracket is low. The TSP has the lowest expenses of any investment fund, even lower than Vanguard
by Kuckie
Sun Jan 26, 2014 8:14 pm
Forum: Investing - Theory, News & General
Topic: Any tax software that handles Form 1116?(Foreign Tax Credit)
Replies: 19
Views: 4668

Re: Any tax software that handles Form 1116?(Foreign Tax Cre

TurboTax Deluxe (Download) does a decent job of completing Form 1116 provided you answer the step-by-step questions correctly. When done go to Form 1116 and insure that Passive investment income is shown and that Column A (Name of Foreign Country) shows RIC (registered investment company). Online ve...
by Kuckie
Fri Jan 24, 2014 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: 1099R Payer different between imported and hard copy
Replies: 11
Views: 1904

Re: 1099R Payer different between imported and hard copy

From Vanguard: This email is intended as a follow up to my email earlier this week. I have been informed by my Web Technical Support Services team that the issues with importing data into TurboTax from the 1099-R has been corrected. If you import the 1099-R again into TurboTax, you should see the co...
by Kuckie
Thu Jan 23, 2014 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: 1099R Payer different between imported and hard copy
Replies: 11
Views: 1904

Re: 1099R Payer different between imported and hard copy

The response received from Vanguard concerning the difference in payers, including EIN’s, is as follows: Vanguard Fiduciary Trust Company is the payer for the distribution from your retirement account. Life Strategy Moderate Growth Fund is the investment from which you took the distribution. If you ...
by Kuckie
Wed Jan 22, 2014 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: 1099R Payer different between imported and hard copy
Replies: 11
Views: 1904

1099R Payer different between imported and hard copy

I received a hard copy of a Vanguard 1099R which lists the payer as Vanguard Fiduciary Trust, and but the electronic import lists the payer as Life Strategy Moderate Growth including a different address. Has anyone noticed this and does it matter which gets reported?
by Kuckie
Tue Jan 14, 2014 1:01 pm
Forum: Personal Consumer Issues
Topic: BluRay to stream video - is DSL/wifi fast enough?
Replies: 23
Views: 3038

Re: BluRay to stream video - is DSL/wifi fast enough?

I will likely upgrade the router to a more powerful one some day after the next standard is official. I just googled it and it looks like the wireless AC standard was approved in the last week. I see a router upgrade for me in the next year. For me the attraction of high speed wifi is not to stream...
by Kuckie
Sun Jan 12, 2014 9:50 pm
Forum: Personal Consumer Issues
Topic: BluRay to stream video - is DSL/wifi fast enough?
Replies: 23
Views: 3038

Re: BluRay to stream video - is DSL/wifi fast enough?

You have it backwards. Cable/DSL is always the limiting factor regarding bandwidth. You can verify this easily with a search. Wi-Fi is plenty fast for streaming, after all, nearly every Roku box is wi-fi only. Wireless n real world performance can be about 40 Mbps. Keep in mind, it is not enough to...
by Kuckie
Sat Jan 11, 2014 6:11 pm
Forum: Personal Consumer Issues
Topic: Which turbo tax product - free flagship options
Replies: 14
Views: 1622

Re: Which turbo tax product - free flagship options

The download version of Turbo Tax allows switching between Forms Mode for rapid completion and review of IRS forms, as well as the default Step by Step question and answer mode. The online version only allows Step by Step question and answer completion. All download versions include all forms. Onlin...
by Kuckie
Fri Jan 03, 2014 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard automatic transactions - any pitfalls?
Replies: 12
Views: 1641

Re: Vanguard automatic transactions - any pitfalls?

I never had a problem with automatic investments and exchanges at Vanguard. Plus it becomes a pleasant surprise to find everything is already done, if and when you think about doing it manually
by Kuckie
Fri Jan 03, 2014 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: School District Not Allowing me To Invest
Replies: 82
Views: 9653

Re: School District Not Allowing me To Invest

Scubadiver wrote: You could also consider switching employers. You may loose seniority / tenure based benefits, but you should then be able to roll over your employer sponsored retirement accounts into a Rollover IRA at Vanguard or some other discount brokerage firm. Per your advice this teacher is ...
by Kuckie
Fri Dec 13, 2013 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 43504

Re: 2013 TurboTax: Which Product? New Rules?

The price increase in Turbo tax, especially for investments, could be due to the increasing complexity of the tax code for 2013. All of his has to be included in the 2013 version and that is labor intensive. Complain instead to those responsible for the complex tax code
by Kuckie
Sat Dec 07, 2013 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 43504

Re: 2013 TurboTax: Which Product? New Rules?

From the Turbo Tax website: Schedule D is indeed missing from the Deluxe ONLINE edition but is included in the CD/Download version. A Form listing is available below: Turbo Tax Deluxe ONLINE https://turbotax.intuit.com/personal-taxes/online/deluxe.jsp Turbo Tax Deluxe CD/DOWNLOAD https://turbotax.in...