Search found 4188 matches

by rkhusky
Sat Sep 23, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Head-scratcher -- does Vanguard ever mistakenly charge fees?
Replies: 9
Views: 600

Re: Head-scratcher -- does Vanguard ever mistakenly charge fees?

There was a recent post about Vanguard instituting a purchase fee for one of their funds.

Here is a list of funds with purchase fees: https://www.bogleheads.org/wiki/Purchase_fee

Plus a few not on the list: International Dividend Appreciation, International High Dividend.
by rkhusky
Fri Sep 22, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 116
Views: 9433

Re: Vanguard 403b Fee Increase

We just received a letter from Vanguard yesterday regarding the 403b annual fee increase from $15 to $60. I realize there are benefits to those holding multiple funds and that you also get Admiral shares, but we're certainly a bit disappointed by this. It will take many years for us to reach the 'b...
by rkhusky
Fri Sep 22, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 70
Views: 6225

Re: Retirees, what is your marginal tax rate?

We're in the 39.5% bracket, plus 11% or so California tax. Will be in this bracket indefinitely. Same bracket as when I retired. Have looked at all the ways to finesse this lower; not gonna happen. This largely from accumulating a large 401k, with its attendant rmd's. So how large a 401k at age 70 ...
by rkhusky
Fri Sep 22, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Best retirement strategy
Replies: 7
Views: 1757

Re: Best retirement strategy

delamer wrote:
Fri Sep 22, 2017 10:23 am
Keep in mind that with IRAs, the choice is whether you pay taxes when you deposit or taxes when you withdraw. You can't avoid taxes altogether.
Unless you're Livesoft: viewtopic.php?t=87471
by rkhusky
Fri Sep 22, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Credit Freeze? One last step I'm taking
Replies: 10
Views: 1168

Re: Credit Freeze? One last step I'm taking

I checked the Equifax security website, and both my and my husband's information has been compromised. A co-worker a few days ago entered a bogus name and SS and the site said that he had been compromised. Perhaps everyone has been compromised and so the answer is really true no matter what you ent...
by rkhusky
Fri Sep 22, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Credit Freeze? One last step I'm taking
Replies: 10
Views: 1168

Re: Credit Freeze? One last step I'm taking

A PDF is an image file and is more difficult to scan into a datafile without human intervention. And almost impossible if you wrote the login and pass by hand (at least with my handwriting!). Google searches often return pdf files and you can view the text via their cache, so I imagine their OCR wo...
by rkhusky
Fri Sep 22, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: where to put $60,000 for three months...
Replies: 14
Views: 1126

Re: where to put $60,000 for three months...

Vanguard's Prime Money Market's SEC yield is 1.12%. I would go with an option that you will use after getting the mortgage.
by rkhusky
Fri Sep 22, 2017 9:38 am
Forum: Investing - Theory, News & General
Topic: How an asset with a NEGATIVE return can INCREASE your portfolio's return
Replies: 30
Views: 2350

Re: How an asset with a NEGATIVE return can INCREASE your portfolio's return

You mean to tell me that if you buy something before it goes up in value, and then sell if before it goes down in value, and then turn around and buy something else before it goes up in value, and then turn around and sell it before it goes down in value.....that you can make money? I don't think t...
by rkhusky
Fri Sep 22, 2017 8:46 am
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 47
Views: 3230

Re: VG wants everyone to transfer to a brokerage account?

One of our accounts is a brokerage account because it is relatively new. The other accounts are not. We'll wait until there is an incentive to move. The transactions for the brokerage account are listed differently and are not intuitive - minus signs opposite. That's the only thing that I've seen. T...
by rkhusky
Fri Sep 22, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Diversification of retirement investments across multiple accounts
Replies: 5
Views: 500

Re: Diversification of retirement investments across multiple accounts

Note that the total stock market contains small cap stocks. Just want to be clear that you want a strong small cap tilt by making it equal to total stock market. Without know the other elements of your desired asset allocation or your choices in the other accounts, specific advice is difficult to gi...
by rkhusky
Fri Sep 22, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Moving to TSP + Pension - How to adapt AA to changes?
Replies: 11
Views: 818

Re: Moving to TSP + Pension - How to adapt AA to changes?

If you are in the 15% tax bracket, Roth TSP is the right option with a future pension. A 2nd question: I am in the 15% tax bracket, but I have never done my Roth 401k. at previous employer... Is it standard advice for a pension recipient to fund Roth TSP? What makes it more attractive? The answer i...
by rkhusky
Thu Sep 21, 2017 7:39 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation: Comparative investor data not often found - any reaction?
Replies: 4
Views: 357

Re: Asset allocation: Comparative investor data not often found - any reaction?

Looks like you have a diversified portfolio with some tilts. When you list US Stock and US small cap, is the former really US large cap (US Stock ex-Small)? Also, since you have a REIT allocation, does US Stock really mean US Stock ex-REIT? It might be clearer to list the deviation from a market-cap...
by rkhusky
Wed Sep 20, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: 1st medical bill, already overdue and threaten to send to collection
Replies: 44
Views: 3764

Re: 1st medical bill, already overdue and threaten to send to collection

The patient should know who he is contracting with. If the contract is with the hospital and the anesthesiologist is a subcontractor to the hospital, then it's the hospital's problem to figure out how the anesthesiologist gets paid. If the anesthesiologist is directly contracting with the patient, t...
by rkhusky
Wed Sep 20, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 79
Views: 4032

Re: Uplifted Driveway = No Home Owners Policy ?!

Geico wouldn't insure our house because the roof was too old, in their opinion, even though there was no signs of decay. We found another company and haven't looked back. That was almost 20 years ago. We did eventually get a new roof, many years later.
by rkhusky
Wed Sep 20, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: What say ye... 60/40 or 65/35?
Replies: 17
Views: 1627

Re: What say ye... 60/40 or 65/35?

Most of my EF is in short and intermediate term bonds, which count in my AA. I maintain some cash in checking/savings accounts and CD's (a month's worth or so), which do not count in AA.
by rkhusky
Wed Sep 20, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Where do mid-caps fit it?
Replies: 13
Views: 1185

Re: Where do mid-caps fit it?

You guess. That's actually the best answer, because no one knows which segment of the market is going to perform better over the next 5, 10, or 20 years. It's expected that, because small stocks tend to be more volatile than large stocks, they will, over the long haul, out-perform large stocks. Not...
by rkhusky
Wed Sep 20, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: is AQR long-short really less risky than TSM?
Replies: 11
Views: 710

Re: is AQR long-short really less risky than TSM?

But it's only been around since mid-2013, so who know how it would handle a significant decline. And all it's out-performance seems to have occurred in the latter part of 2015 through early part of 2016. Not something I am ready to bet the farm on.
by rkhusky
Wed Sep 20, 2017 6:59 am
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4672

Re: USPS lost very important certified mail - What next?

It would be nice if you could insure a certified letter, but the USPS doesn't allow that.
by rkhusky
Wed Sep 20, 2017 6:56 am
Forum: Investing - Theory, News & General
Topic: Multiple sources of income - fact or fiction?
Replies: 12
Views: 1822

Re: Multiple sources of income - fact or fiction?

Two of my nephews are getting on the passive income bandwagon by buying rental properties at an early age. It is almost effortless after the property is purchased as they hired a property manager. My guess is that there is some work involved in finding/managing a good property manager, whose fee is...
by rkhusky
Tue Sep 19, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: measurement of success of investment(s)
Replies: 33
Views: 1972

Re: measurement of success of investment(s)

Personally, I compare to the Vanguard Target Retirement fund that has about the same stock/bond ratio as I do. If I can't beat that, I might as well just put all my money there and let Vanguard do the work.
by rkhusky
Mon Sep 18, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: SS Spouse Benefit
Replies: 10
Views: 1629

Re: SS Spouse Benefit

Your understanding is correct as stated above. I suggest that you search the forum for posts by ObliviousInvestor and sscritic. There is no reason to reinvent the wheel. P.s. The formula you original asked is: (1 - early self reduction) x (her PIA) + (1 - early wife reduction) x (1/2 husband's PIA ...
by rkhusky
Mon Sep 18, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on adjusting withholding for an expected tax credit?
Replies: 5
Views: 384

Re: Thoughts on adjusting withholding for an expected tax credit?

I would adjust withholding once I was sure. I prefer to owe a little at tax time and, given the rash of ID theft associated with tax returns, having a $13K refund sitting at the IRS for months would be irritating.
by rkhusky
Mon Sep 18, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: SS Spouse Benefit
Replies: 10
Views: 1629

Re: SS Spouse Benefit

Based on the posts above and further reading, here is my current understanding of the basics of calculating self and spouse SS benefits, without any of the compounding issues listed above and under the new rules. I am thinking of putting something similar in the Social Security wiki page for easier ...
by rkhusky
Mon Sep 18, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: SS Spouse Benefit
Replies: 10
Views: 1629

Re: SS Spouse Benefit

(2) Her spousal benefit: 25/36 x 36 = 25 5/12 x 24 =10 Total early claim deduction for spousal benefit = 35% (100-35)% x (3000/2-1000) = $325 So her combined total benefit = $700+$325=$1,025 Thanks. I hadn't seen the 25/36 fraction before. When I searched on 5/9, 5/12, and 25/36 I was led to the ss...
by rkhusky
Sat Sep 16, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: SS Spouse Benefit
Replies: 10
Views: 1629

Re: SS Spouse Benefit

If the wife claims the spousal benefit early(before her full retirement age) then her benefit from his record will be permanently reduced per the calculator link below. https://www.ssa.gov/OACT/quickcalc/spouse.html#calculator Dan The SSA calculator appears to give a different answer than the Bedro...
by rkhusky
Fri Sep 15, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: SS Spouse Benefit
Replies: 10
Views: 1629

Re: SS Spouse Benefit

In the second instance, wouldn't she get $800 from her husband rather than $500? Her spousal benefit is the greater of hers or 1/2 her husbands. 1/2 her husband is $1500, hers is 700 -- so don't they make up the difference to achieve $1500? 3spots There is a permanent reduction for claiming early. ...
by rkhusky
Fri Sep 15, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: SS Spouse Benefit
Replies: 10
Views: 1629

SS Spouse Benefit

I was looking for the formula for computing the Social Security benefit for a spouse taking an early benefit and had a difficult time finding the exact formula, until I ran across a number of threads with the link to this calculator: http://www.bedrockcapital.com/ssanalyze/. Most pages that talk abo...
by rkhusky
Fri Sep 15, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 163
Views: 13989

Re: Let's talk about your FI # and family income

What's included in your definition of income? See https://www.bogleheads.org/forum/viewtopic.php?t=156155 for Livesoft Adjusted Income, which includes things like employer 401k match, health insurance contributions, etc. Not adjusted gross. You and your partner's salaries, not including free money ...
by rkhusky
Fri Sep 15, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 163
Views: 13989

Re: Let's talk about your FI # and family income

What's included in your definition of income? See viewtopic.php?t=156155 for Livesoft Adjusted Income, which includes things like employer 401k match, health insurance contributions, etc.
by rkhusky
Fri Sep 15, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Verify credit freeze is active?
Replies: 18
Views: 1785

Re: Verify credit freeze is active?

khh wrote:
Thu Sep 14, 2017 2:45 pm

Edit: Details of all 50 states => http://www.creditcards.com/credit-card- ... a-1276.php
The list is 10 years old.
This list is a bit newer:
http://www.ncsl.org/research/financial- ... tutes.aspx
by rkhusky
Fri Sep 15, 2017 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Funds added to 401k
Replies: 15
Views: 1107

Re: Vanguard Target Retirement Funds added to 401k

A lot of what you read about choosing between a traditional and Roth 401k involves around what you think your tax liability will be at retirement. Who knows?? So my wife and I do both. We set mine up as traditional and hers as Roth. Others here will give you a much better answer:) How about using t...
by rkhusky
Thu Sep 14, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: Equal Weighting (1/N) Versus Market Cap Weighting
Replies: 22
Views: 2382

Re: Equal Weighting (1/N) Versus Market Cap Weighting

I mention rebalancing, because it's part of a 1/N portfolio, but most likely plays a lesser role in a market cap portfolio. There is no need to rebalance in a fully market cap portfolio, unless new investments appear or old investments disappear, then a single rebalance is necessary to account for ...
by rkhusky
Thu Sep 14, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?
Replies: 58
Views: 3326

Re: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?

I usually check my AA every two weeks when my 401K contribution hits and my rebalances are usually less than 1%. I adjust my AA annually to match my chosen glide path and that is when the larger rebalances typically happen. However, earlier this week I found that I may have the chance to retire a nu...
by rkhusky
Wed Sep 13, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Name Change as a way to Protect Against Identity Theft
Replies: 16
Views: 1250

Re: Name Change as a way to Protect Against Identity Theft

It costs money to sue even if you are right. True. I would start with complaints with the BBB, state attorney general, FTC, etc before suing. Also look at putting a note in the credit file, explaining that the agency was unable to prove the negative marks. Also look at contacting your local federal...
by rkhusky
Wed Sep 13, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: 529s - Problem w/ age based plan?
Replies: 11
Views: 2346

Re: 529s - Problem w/ age based plan?

letsgobobby wrote:
Tue Sep 12, 2017 10:49 pm
it's just another tax-advantaged account.
If the intent is to fully fund the child's education no matter what, then I agree.

If the intent is that the 529 is all the child will receive for college from the parents, that would suggest a different asset allocation for the 529.
by rkhusky
Wed Sep 13, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Name Change as a way to Protect Against Identity Theft
Replies: 16
Views: 1250

Re: Name Change as a way to Protect Against Identity Theft

Frankly, I think it would be better if companies stop relying on a SS number and name to extend credit. If there are enough back charges, I expect that will eventually happen. Agreed. The current system was never "designed". But what can we do to take the power back, ourselves? Don't pay for any ch...
by rkhusky
Wed Sep 13, 2017 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Name Change as a way to Protect Against Identity Theft
Replies: 16
Views: 1250

Re: Name Change as a way to Protect Against Identity Theft

Frankly, I think it would be better if companies stop relying on a SS number and name to extend credit. If there are enough back charges, I expect that will eventually happen.
by rkhusky
Tue Sep 12, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: ownership of "small cap value" stocks
Replies: 50
Views: 3181

Re: ownership of "small cap value" stocks

Per the OP, are the current investors in small value true believers or in it for the quick buck? Well I wasn't responding to the OP, I was responding to a question of what a 'value bubble' would look like. If I had to guess about today's investors I would expect it to be a mix of people in it for a...
by rkhusky
Tue Sep 12, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: ownership of "small cap value" stocks
Replies: 50
Views: 3181

Re: ownership of "small cap value" stocks

If the value spread narrows, and they are indeed riskier, then the risk shows up and the returns are lower than the rest of the market - yes people would abandon the strategy, but in a bubble it wouldn't be until after it pops. For what it is worth, I don't see the evidence of said bubble. People h...
by rkhusky
Tue Sep 12, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: ownership of "small cap value" stocks
Replies: 50
Views: 3181

Re: ownership of "small cap value" stocks

aegis965 wrote:
Tue Sep 12, 2017 8:48 am
I define a bubble as a market that ignores the intrinsic value of an asset (or assets) ...
The market determines the value of an asset. There is no value outside the market.
by rkhusky
Tue Sep 12, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: ownership of "small cap value" stocks
Replies: 50
Views: 3181

Re: ownership of "small cap value" stocks

If the value spread narrows, and they are indeed riskier, then the risk shows up and the returns are lower than the rest of the market - yes people would abandon the strategy, but in a bubble it wouldn't be until after it pops. For what it is worth, I don't see the evidence of said bubble. People h...
by rkhusky
Tue Sep 12, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: S&P500 ex-FAANGs
Replies: 26
Views: 1580

Re: S&P500 ex-FAANGs

you have to understand why it's PE is low. yes of course, though if its PE (or other value indicators) is low statistically it has more chance to outperform according to e.g. the French Fama work, and vice-versa Actually, the Fama-French work wasn't about trying to predict future returns, it was ab...
by rkhusky
Tue Sep 12, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend impact of investing $4,000 / month in VTSAX?
Replies: 5
Views: 1193

Re: Dividend impact of investing $4,000 / month in VTSAX?

BaylorBears wrote:
Tue Sep 12, 2017 8:09 am
2) long term, should I assume a 1.8% dividend in this vehicle could be sustained?
As long as dividends are paid per share, the dividend yield will fluctuate with share price. If the stock market drops by 50%, all else being equal, your dividend yield will increase by a factor of two.
by rkhusky
Tue Sep 12, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: 529s - Problem w/ age based plan?
Replies: 11
Views: 2346

Re: 529s - Problem w/ age based plan?

Move the funds to the next lower age-based fund? Wonder if the 529 provider would allow a discrepancy between the child's age and the account name? Our provider automatically switches the child to the next band when they get old enough and creating a mismatch could cause problems with this process. ...
by rkhusky
Tue Sep 12, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: S&P500 ex-FAANGs
Replies: 26
Views: 1580

Re: S&P500 ex-FAANGs

you have to understand why it's PE is low. yes of course, though if its PE (or other value indicators) is low statistically it has more chance to outperform according to e.g. the French Fama work, and vice-versa Actually, the Fama-French work wasn't about trying to predict future returns, it was ab...
by rkhusky
Mon Sep 11, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3606

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

They could even add something to the return, such as requiring people to list the previous year's refund/payment and/or AGI or some other line on the form. If the info didn't match, any refund would be delayed. That would require ID thieves to gather much more information to be successful. Aren't t...
by rkhusky
Mon Sep 11, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3606

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

The IRS could do some other stuff even before getting the W2, like checking to see whether your information has changed much from previous years, such as address, number of dependents, wages, interest, investment income, etc. They could even add something to the return, such as requiring people to l...
by rkhusky
Sun Sep 10, 2017 6:57 am
Forum: Investing - Theory, News & General
Topic: Equal Weighting (1/N) Versus Market Cap Weighting
Replies: 22
Views: 2382

Re: Equal Weighting (1/N) Versus Market Cap Weighting

Another logic problem with equal weighting is conglomerates. Suppose a conglomerate owns 1000 brands. If the conglomerate split apart and formed 1000 separate companies, an equal weight fund would need to increase their share in those brands 1000-fold. Does that make sense? Why would those brands su...
by rkhusky
Thu Sep 07, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 628
Views: 36993

Re: Equifax customer information leak

I think that all these hacks may lead to going back to having to go into a bank or similar institution to open accounts in order to verify information because institutions cannot trust anything done online.
by rkhusky
Thu Sep 07, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Guidance on 401k and IRA
Replies: 9
Views: 1135

Re: Guidance on 401k and IRA

There is also the situation where you retire early, before taking a pension or SS. Then you can withdraw the Traditional funds at low tax cost and use the proceeds for living expenses or convert to Roth.