Search found 75 matches

by stoub
Mon Sep 11, 2017 11:13 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 191
Views: 22337

Re: Bitcoin in 3-fund indexed portfolio?

Regarding the Ledger Nano S, so its like a USB drive that holds your coins right? What happens if you lose that tiny drive or if it malfunctions and dies? Do you bascially lose all your money either via loss or someone takes it and sends it to themselves? I can't speak to the ledger, but the Trezor...
by stoub
Fri Jun 17, 2016 8:24 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on bitcoin or other virtual currencies.
Replies: 7
Views: 2291

Re: Reporter doing story on bitcoin or other virtual currencies.

what is the current status of the Winklevoss twins' bitcoin ETF (ticker symbol: COIN)? The SEC filing hasn't been amended since late 2014 but the lawyer backing it is still "optimistic" as of two months ago per a Wall Street Journal article . A similar non-ETF product is the Bitcoin Investment Trus...
by stoub
Mon Apr 18, 2016 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 10847

Re: How Did You File Your Income Taxes for 2015?

I used to fill out everything by hand. About 6 years ago, I got a refund that exceeded what I filed and I didn't understand why, so I figured I should use software to prevent future errors. I've used H&R Block online ever since.
by stoub
Sat Apr 16, 2016 8:26 pm
Forum: Personal Investments
Topic: A newcomer to index funds.
Replies: 9
Views: 982

Re: A newcomer to index funds.

Looking at the page that has the forms that grant access to accounts, the Information-Only Access form does look like it is set up so that you could get read-only access to the custodial account your father would create for you. Check in with Vanguard to confirm.
by stoub
Thu Mar 24, 2016 9:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Capital Markets Model
Replies: 1
Views: 898

Re: Vanguard Capital Markets Model

The most recent update of Vanguard's economic and investment outlook was published in December 2015. See pages 18-26 for the 10-year forecast based on the Vanguard Capital Markets Model.
by stoub
Thu Mar 24, 2016 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawal Rate at different retirement ages?
Replies: 10
Views: 4941

Re: Safe Withdrawal Rate at different retirement ages?

I have found this table, created by Wade Pfau , helpful since it provides success rates at various withdraw rates, retirement durations and asset allocations: http://i0.wp.com/retirementresearcher.com/wp-content/uploads/2015/06/Bitmap.jpg?w=585 The article it comes from explains the methodology.
by stoub
Fri May 02, 2014 7:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Small Cap Value Fund Expense Ratio Goes Up
Replies: 41
Views: 8671

Re: Vanguard's Small Cap Value Fund Expense Ratio Goes Up

That's interesting because Vanguard states as of April 30, 2014 states that the increase is because of BDCs. It would be nice if someone from Vanguard explained the increase. https://advisors.vanguard.com/VGApp/iip/site/advisor/research/article/ArticleTemplate.xhtml?iigbundle=IWE_NewsExpenseRatio04...
by stoub
Mon Apr 28, 2014 6:29 pm
Forum: Personal Investments
Topic: Socially Responsible (Progressive) Fund Options
Replies: 99
Views: 12195

Re: Socially Responsible (Progressive) Fund Options

For stock funds, here are some other no-load socially-responsible index mutual funds in addition to Vanguard: TIAA-CREF Social Choice Equity (US; 48bp ER) Northern Global Sustainability Index (world developed markets; 30bp ER) It isn't likely that someone with strict requirements will be entirely sa...
by stoub
Sun Jan 26, 2014 9:30 pm
Forum: Investing - Theory, News & General
Topic: Any tax software that handles Form 1116?(Foreign Tax Credit)
Replies: 19
Views: 5844

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

I've used the online version of H&R Block the last 3 years and only had foreign income from mutual funds and ETFs. My memory is that I only answered questions related to the Foreign Tax Credit and it output the Form 1116 rather than me filling in the form manually.
by stoub
Sun Jan 26, 2014 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: If living trust creates UTMA at death & grantor moves states
Replies: 11
Views: 1735

Re: If living trust creates UTMA at death & grantor moves st

A bit more info, thanks to the direction sscritic and Iorek have been pointing me. I see now that the text of the California Uniform Transfers to Minors Act , which sscritic cited earlier, says: 3902. (a) This part applies to a transfer that refers to this part in the designation under subdivision (...
by stoub
Sun Jan 26, 2014 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: If living trust creates UTMA at death & grantor moves states
Replies: 11
Views: 1735

Re: If living trust creates UTMA at death & grantor moves st

The broader questions of how to best structure bequests to minors and the pros and cons of do-it-yourself legal documents are interesting questions, still unresolved for my mom and I, and are questions that I've been discussing with my mom and have asked her to discuss with her friends and advisers....
by stoub
Sun Jan 26, 2014 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: If living trust creates UTMA at death & grantor moves states
Replies: 11
Views: 1735

Re: If living trust creates UTMA at death & grantor moves st

I think your time line is off. She is alive. She has living trust that specifies that at her death, but not before, some unspecified person (the successor trustee?) is to open a UTMA account for the grandchildren with an unspecified person (the parent?) as custodian in the state that the unspecifie...
by stoub
Sun Jan 26, 2014 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: If living trust creates UTMA at death & grantor moves states
Replies: 11
Views: 1735

If living trust creates UTMA at death & grantor moves states

I'm starting to help my mom out with estate planning, hoping we can go the do-it-yourself route with Nolo or LegalZoom, and uncovered a question about which state's laws are in effect for the provisions of a living trust that was established out of state. My mom would like to establish custodial UTM...
by stoub
Fri Dec 27, 2013 3:06 pm
Forum: Investing - Theory, News & General
Topic: Low cost / passive SRI options
Replies: 13
Views: 1641

Re: Low cost / passive SRI options

For US total market, I've used TIAA-CREF Social Choice Equity (TICRX; expense ratio 0.49%). Vanguard also offers Vanguard FTSE Social Index (VFTSX; expense ratio 0.29%), which is the lowest-cost SRI fund I've seen, but I prefer the screens of the TIAA-CREF fund. For the ex-US developed world, I've u...
by stoub
Tue Dec 10, 2013 9:04 pm
Forum: Personal Investments
Topic: Tax: Trading/Selling Bitcoin
Replies: 7
Views: 1108

Re: Tax: Trading/Selling Bitcoin

The best discussion I've seen so far is: http://www.bitcointax.info/
by stoub
Sat Nov 30, 2013 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Bitcoin Taxation
Replies: 10
Views: 1973

Re: Bitcoin Taxation

Until the IRS issues guidance, I'm planning on reporting as capital gains, rather than as a commodity or currency, based on the thorough discussion at http://www.bitcointax.info/
by stoub
Wed Sep 11, 2013 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Exchange of Tips to STInvestment Bonds
Replies: 3
Views: 622

Re: Exchange of Tips to STInvestment Bonds

My question has to do with interest. If I exchange my Tips for Short Term Investment Bonds (with interest being declared every quarter on Tips and therefore at the end of this month..September) will I lose all the interest of the last 2 1/4 months or will that interest be prorated to my new bond fu...
by stoub
Mon Sep 02, 2013 2:05 am
Forum: Investing - Theory, News & General
Topic: Socially Responsible Investing
Replies: 105
Views: 10258

Re: Socially Responsible Investing

Is there any evidence that SRI is a factor that affects companies' behaviors? (I have no idea, I am just asking.) The trade association for the U.S. SRI industry publishes a report called The Impact of Sustainable and Responsible Investing ; Chapter 2 covers the impact on companies by activist and ...
by stoub
Sun Sep 01, 2013 9:24 pm
Forum: Investing - Theory, News & General
Topic: Socially Responsible Investing
Replies: 105
Views: 10258

Re: Socially Responsible Investing

Plus, if you believe the charts and statistics above, it is profitable.....the Domini index has consistently beat the S+P since 1990 (that's quite a long stretch of outperformance- can the same be said of any sector?) , and its related ETF has been beating the S+P despite an ER of .50%. http://www....
by stoub
Thu Aug 29, 2013 12:14 am
Forum: Investing - Theory, News & General
Topic: Socially Responsible Investing
Replies: 105
Views: 10258

Re: Socially Responsible Investing

I've owned SRI funds for some of my portfolio for nearly two decades. I'm under no illusion that continuing to do so is rational behavior, makes an impact on the world, or that the holdings of SRI funds are pure as snow (I have qualms with many of the holdings of most SRI index funds) but I don't se...
by stoub
Sun Mar 31, 2013 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement and planning for medical costs
Replies: 19
Views: 3659

Re: Early retirement and planning for medical costs

Does anyone know what the plans being offered by the exchanges will look like ? It's still early days and each state may be different. Things should be finalized by October. I'm in California, which I believe has made more progress than most states. Here's the finalized plan benefit designs and a r...
by stoub
Mon Mar 11, 2013 8:38 pm
Forum: Investing - Theory, News & General
Topic: how do I find out PE10 of foreign stock markets?
Replies: 80
Views: 23312

Re: how do I find out PE10 of foreign stock markets?

This chart (from a Business Insider article), has P/E10 for 17 countries as of March 1, 2013 and includes a comparison to the average P/E10 for each country. It was compiled by Goldman Sachs using Datastream source data.
by stoub
Thu Feb 21, 2013 10:25 pm
Forum: Personal Investments
Topic: Post your Morningstar X-Ray Style Box
Replies: 71
Views: 5142

Re: Post your Morningstar X-Ray Style Box

US stocks
12 18 18
08 09 04
17 11 03

ex-US stocks
21 18 12
17 10 07
07 04 04
by stoub
Sun Jan 27, 2013 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card swipe fees start Sunday 1/27
Replies: 121
Views: 17371

Re: Credit card swipe fees start Sunday 1/27

Exempt states: California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma, Texas Paying a surcharge for credit card usage appears to be completely different from a legal perspective than receiving a discount for paying in cash, even though the reality in pricing co...
by stoub
Sun Jan 13, 2013 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement after ACA [Affordable Care Act] is enacted
Replies: 1
Views: 1131

Re: Early retirement after ACA [Affordable Care Act] is enac

Answering as non-expert, just someone who is also curious what costs will be and spent a bit of time just now trying to locate answers to your specific questions. - The premium at the exchange has some limits such as the spread cannot be more than 3x between members. Are there any spread limits betw...
by stoub
Fri Jan 11, 2013 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: [Health Insurance - COBRA Coverage Question]
Replies: 3
Views: 565

Re: [Health Insurance - COBRA Coverage Question]

At the end of the COBRA period, if she has had no significant claims, significant claims, or no claims at all, will she be likely to be able to continue the policy outside of COBRA ? I'm also speaking as a nonexpert, but my understanding matches jon-nyc's: per the Affordable Care Act, as of January...
by stoub
Tue Nov 13, 2012 2:34 pm
Forum: Investing - Theory, News & General
Topic: perhaps the "endowment model" is not such a good idea
Replies: 7
Views: 1654

Re: perhaps the "endowment model" is not such a good idea

Not sure if the author's firm is using active strategies or not, but if so, it appears that the low headline advisory fee (0.25%) is just the tip of the iceberg. I don't have any involvement in WealthFront other than looking at their website yesterday. Their FAQ page indicates that they buy/hold/re...
by stoub
Sun Sep 23, 2012 5:12 pm
Forum: Personal Investments
Topic: Rebalancing 50/50 - put bond allocation all within 401K?
Replies: 5
Views: 720

Re: Rebalancing 50/50 - put bond allocation all within 401K?

If you're willing to go through the effort to provide all the inputs in Asking Portfolio Questions , you may obtain fuller responses. We're approaching $800K retirement/investment asset, with 60% of this in spouse's 401K, 40% in our Vanguard IRA/taxable accounts. Among the Vanguard accounts, what % ...
by stoub
Fri Jul 06, 2012 1:33 pm
Forum: Personal Consumer Issues
Topic: How can I sync computer folders?
Replies: 16
Views: 1781

Re: How can I sync computer folders?

I haven't used it but Tonido claims to sync only between computers you own.
by stoub
Sun Jun 10, 2012 12:31 am
Forum: Investing - Theory, News & General
Topic: A reason to avoid using the same password at different sites
Replies: 33
Views: 6080

Re: A reason to avoid using the same password at different s

Anon1234 wrote:Anyone have a link to a good password strength meter?
zxcvbn seems interesting. Read the blog post for an explanation.
by stoub
Sat May 19, 2012 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Tax/organizational structure for pooling group expenses
Replies: 1
Views: 324

Re: Tax/organizational structure for pooling group expenses

I poked around a bit on the separate entities and have reached the tentative conclusion that I'm probably better off, both in terms of expense and hassle, if I just keep assets designated for future expenses in each individual's name and forget the idea of a separate entity. If I'm looking to NOT pa...
by stoub
Fri May 18, 2012 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tax/organizational structure for pooling group expenses
Replies: 1
Views: 324

Tax/organizational structure for pooling group expenses

My siblings and I have money in a donor-advised fund at a community foundation. We intend to fund projects in developing countries with grants from the donor-advised fund. We'd like to fund projects in which we're personally involved and be able travel to participate in activities related to the pro...
by stoub
Wed May 16, 2012 1:41 pm
Forum: Personal Investments
Topic: How to account for different tax advantaged account type
Replies: 51
Views: 2768

Re: How to account for different tax advantaged account type

If you do choose to adjust (I don't), this wiki page provides good information on how to do so: Tax-Adjusted Asset Allocation
by stoub
Sun May 06, 2012 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security earnings history now available online
Replies: 97
Views: 9776

Re: Social Security earnings history now available online

On the other hand if you use a non-zero estimate for CPI and NAWI the benefits will be in inflated future dollars. To get an estimate of what future dollars will be worth you have to apply exactly the same inflation to current prices, after which you will find that inflation cancels and you would h...
by stoub
Sun May 06, 2012 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security earnings history now available online
Replies: 97
Views: 9776

Re: Social Security earnings history now available online

I signed up. It's a nice site. However, the benefits estimator seems somewhat limited. I wanted to calculate my benefits for different retirement scenarios, as I've done on other parts of the SSA web site. I was hoping that this site would allow that kind of calculation flexibility, while having au...
by stoub
Sun May 06, 2012 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security earnings history now available online
Replies: 97
Views: 9776

Re: Social Security earnings history now available online

I was surprised to find out how much survivor and disability benefits would be for me, having helped others get benefits in the past. I'm guessing it must be based on how much you were taxed, or on where you live, because the people I helped got significantly less (and that was just a few years ago...
by stoub
Sun May 06, 2012 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security earnings history now available online
Replies: 97
Views: 9776

Re: Social Security earnings history now available online

are these payments even going to be there in 25-30 years? should these numbers even play a part in a retirement plan or just think of them as extra bonus if SS still exists in 25-30 years?? I recently went through the exercise of researching how likely Social Security (and pension from a previous j...
by stoub
Sun Apr 29, 2012 11:03 pm
Forum: Personal Investments
Topic: Over weight Emerging?
Replies: 15
Views: 1981

DGS in taxable

And in a taxable account, I wouldn't recommend either DGS (because of a high dividend yield, including significant non-qualified dividends) or EWX ... grabiner, can you help me out with understanding your calculations on the tax-efficiency of DGS? I switched DGS from tax-advantaged to taxable last ...
by stoub
Mon Apr 02, 2012 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Boston Capital Tax Credit Fund - How Do I Sell It?
Replies: 2
Views: 6926

Re: Boston Capital Tax Credit Fund - How Do I Sell It?

My father invested in a similar Boston Capital fund (Series 26). He passed away about 18 months ago and we'd like to simplify the estate and get rid of this, so I asked my father's financial adviser, who sold him this, for his advice. As of about 3 months ago, he got a quote from one of the firms on...
by stoub
Tue Mar 20, 2012 5:45 pm
Forum: Personal Investments
Topic: Using Total Bond Fund or several Bond Funds
Replies: 4
Views: 1097

Re: Using Total Bond Fund or several Bond Funds

I have half in Vanguard Total Bond Fund and half in the Vanguard Inflation-Protected Securities Fund. I like to keep things simple but want more diversity than a 3-fund portfolio. The TIPS part is because I don't think I'd like the surprise of unexpected inflation and the Total Bond Fund doesn't hav...
by stoub
Tue Mar 06, 2012 2:42 pm
Forum: Personal Investments
Topic: First time filling out Form 1116. Handholding, please?
Replies: 14
Views: 3491

Re: First time filling out Form 1116. Handholding, please?

I'm a little confused by this......if you sold some stocks for $800 gain and sold some others for $200 loss, the net gain is $600 right? That would be a line in the AGI.....so did you mean for gross income purposes, the gross income is $600 (net) + $200 (losses) = $800 or the original answer (add $...
by stoub
Tue Mar 06, 2012 11:08 am
Forum: Personal Investments
Topic: First time filling out Form 1116. Handholding, please?
Replies: 14
Views: 3491

Re: First time filling out Form 1116. Handholding, please?

See the IRS Instructions for Form 1116, Lines 3d and 3e here . Ah, there it is. Thanks! And thanks to everyone for their continued input and welcome to boatman77. As far as determining whether capital gain distributions from RIC funds are foreign source, since this is only hypothetical for me this ...
by stoub
Mon Mar 05, 2012 7:45 pm
Forum: Personal Investments
Topic: First time filling out Form 1116. Handholding, please?
Replies: 14
Views: 3491

Re: First time filling out Form 1116. Handholding, please?

Many thanks, Duckie! Some follow-ups: 2. Capital gains distributions Are capital gain distributions from ETFs registered in the US (but have holdings of foreign companies) considered foreign source income? I saw conflicting advice on this. Since they are gains on sales of foreign holdings, they are ...
by stoub
Mon Mar 05, 2012 12:24 pm
Forum: Personal Investments
Topic: First time filling out Form 1116. Handholding, please?
Replies: 14
Views: 3491

Re: First time filling out Form 1116. Handholding, please?

Is your line 17 (tax using QDIV/LTCG ) really greater than line 18 (tax w/o using QDIV/LTCG)? I personally have never seen that and have always wondered how that occurs..... My mistake. :? Thanks for catching. Line 17 (tax using QDIV/LTCG) is less than line 18 (tax without QDIV/LTCG). But my foreig...
by stoub
Sun Mar 04, 2012 11:21 pm
Forum: Personal Investments
Topic: First time filling out Form 1116. Handholding, please?
Replies: 14
Views: 3491

First time filling out Form 1116. Handholding, please?

I own ETFs that invest in ex-US stocks and I now have enough foreign tax paid from those dividends to force me to file Form 1116 for the first time (more than $300 foreign tax income, filing single). These ETFs, held at Vanguard Brokerage Service (VBS), are my only foreign source income. I do my tax...
by stoub
Sun Jan 29, 2012 9:25 pm
Forum: US Chapters
Topic: Suggestions for the Wiki
Replies: 479
Views: 377826

Re: Suggestions for the Wiki

We ran a maintenance report for broken links, but this one isn't on the list: External link maintenance . Perhaps it broke after the report was created, December 21, 2011. There are four other URLs from that link-check report from the same website (http://www.tiaa-crefinstitute.org/) that fit the s...
by stoub
Sun Jan 29, 2012 7:41 pm
Forum: US Chapters
Topic: Suggestions for the Wiki
Replies: 479
Views: 377826

Broken link on Traditional IRA page

On the Traditional IRA page, the external link to the paper by William Reichenstein on "Tax-Efficient Sequencing Of Accounts to Tap in Retirement" (at the very bottom) is broken. The new location is:

http://www.tiaa-crefinstitute.org/insti ... 100106.pdf
by stoub
Sun Jan 22, 2012 11:09 pm
Forum: Personal Investments
Topic: Inheriting stock...
Replies: 46
Views: 3710

Re: Inheriting stock...

And when you sell assets that you inherited and take a capital gain, it's always a long-term capital gain, even if you held it for less than a year.