Search found 4789 matches

by rkhusky
Sat Feb 24, 2018 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: TSP & taxable allocations, near retirement
Replies: 4
Views: 446

Re: TSP & taxable allocations, near retirement

For simplicity, keep the TSP in L2030. Put your taxable in 45% Intermediate Tax Exempt, 33% Total Stock and 22% Total International (i.e. roughly match Vanguard TR 2020 fund). The I Fund will shortly have emerging and small caps. Or you could split the tax exempt bond 50/50 between Int TE and Limite...
by rkhusky
Sat Feb 24, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal deductible Trad Contribution
Replies: 15
Views: 828

Re: Spousal deductible Trad Contribution

Or perhaps you can find some other taxable compensation for your husband.
by rkhusky
Sat Feb 24, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Firecalc Start Date
Replies: 2
Views: 367

Re: Firecalc Start Date

I think it is fine to use the whole data set, but it is prudent to examine in which years your parameters cause a failure and then make a judgement as to the relevance of those years. I wouldn't take the aggregate statistics, like failure rate, at face value, but would dig deeper into the numbers.
by rkhusky
Sat Feb 24, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: TSP - How to get better international coverage
Replies: 12
Views: 1000

Re: TSP - How to get better international coverage

So it looks like the Vanguard EM fund does not include small cap? Bummer. I thought it would be fine but it seems that one would need to add the FTSE All-world ex-US fund which just adds complexity. Vanguard added small caps to its EM fund within the last few years. Previously it did not have small...
by rkhusky
Sat Feb 24, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: Intermediate Term Corporate Bond Fund Question
Replies: 4
Views: 495

Re: Intermediate Term Corporate Bond Fund Question

I have about 45% of our portfolio in vanguard intermediate investment grade and vanguart intermediate term corporate index. I read a few places a few years ago, maybe here, that with the bond funds of this duration a person would be best off just holding pat during time of rising interest rate, and...
by rkhusky
Fri Feb 23, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal deductible Trad Contribution
Replies: 15
Views: 828

Re: Spousal deductible Trad Contribution

If you are married filing jointly, all that matters is your joint income. That may or may not be how the law is applied, but it is not how the law is written. Only the lower compensated spouse can make a Kay Bailey Hutchison Spousal IRA. If the husband's compensation is greater than the wife's then...
by rkhusky
Thu Feb 22, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal deductible Trad Contribution
Replies: 15
Views: 828

Re: Spousal deductible Trad Contribution

If you are married filing jointly, all that matters is your joint income.
by rkhusky
Thu Feb 22, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Increased Federal Tax withholding Feb 2018
Replies: 7
Views: 831

Re: Increased Federal Tax withholding Feb 2018

P.S. - I asked my employer and they are not helpful. These changes are beyond their knowledge. They must be getting the numbers from somewhere. Find the person who is actually entering the data and/or printing/sending the checks. If they don't know, perhaps they know which software package they are...
by rkhusky
Thu Feb 22, 2018 1:01 pm
Forum: Investing - Theory, News & General
Topic: Is 0.46% more after-tax yield enough to justify muni risk?
Replies: 9
Views: 1008

Re: Is 0.46% more after-tax yield enough to justify muni risk?

VBTLX isn't tax efficient and, as others have pointed out, it also carries a mix of risks that are hard to compare directly. I would compare to VSIAX, intermediate-term Treasuries. Indeed, I had the same question recently, and given the state savings of Treasuries versus the federal savings of tax-...
by rkhusky
Thu Feb 22, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: Is 0.46% more after-tax yield enough to justify muni risk?
Replies: 9
Views: 1008

Re: Is 0.46% more after-tax yield enough to justify muni risk?

- less diversification - more default risk - potential loss of tax exemption It is not easy to compare diversification because there is little to no overlap between Total Bond and Intermediate Tax Exempt. Total Bond contains 35%+ corporate bonds, which have higher default risk than the bonds in Int...
by rkhusky
Thu Feb 22, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Which states are similar to NJ in the sense that they do not allow one to deduct contributions to 403b, 457, TSP, etc?
Replies: 9
Views: 1133

Re: Which states are similar to NJ in the sense that they do not allow one to deduct contributions to 403b, 457, TSP, et

grabiner wrote:
Mon Feb 19, 2018 10:56 pm
(However, the NJ rules still make Roth TSP better; you won't be taxed on your Roth TSP contributions when you make them, and no state will tax the withdrawals.)
Is this really true? Or does NJ tax Roth and Traditional the same?
by rkhusky
Thu Feb 22, 2018 8:05 am
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 51
Views: 7954

Re: <gulp> Expensive mistake

blaugranamd wrote:
Wed Feb 21, 2018 1:48 pm
https://www.bogleheads.org/wiki/Abbrevi ... d_Acronyms

happy abbreviating! :sharebeer
Thanks. I have to admit, the DH, DW, DD, DS acronyms took me a while to figure out.

For the OP: the market is still down from its previous highs. Correct the mistake asap.
by rkhusky
Wed Feb 21, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: Telling Tales: Value, Size, Int'l, REITs (2017 update)
Replies: 25
Views: 2449

Re: Telling Tales: Value, Size, Int'l, REITs (2017 update)

Would the spike in small value around 2000 come from beaten down tech companies coming back? Or did the high flying tech companies of 1999 ever reach value status.
by rkhusky
Wed Feb 21, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 58
Views: 5763

Re: What do Bogleheads think of Passive income through Dividend Stocks

I just am looking at ways to use my money during the time I am in school/residency to grow it to use for living expenses (so I don't have to borrow) and so the capital will be preserved. If you are not willing to risk principal, there is no way you can earn 6%. The only (nearly) risk-free investmen...
by rkhusky
Wed Feb 21, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH
Replies: 31
Views: 1622

Re: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH

Switch your automatic contributions to VMMXX in your 401K. Then TLH VTSAX. Note that a wash sale doesn't necessarily affect the entire transaction, just the overlap. That is, if you bought 1 share of Fund A in your IRA and then ten days later tax loss harvested 1000 shares of Fund A in your taxable ...
by rkhusky
Wed Feb 21, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: What's the impact of no more Roth recharacterization?
Replies: 30
Views: 2847

Re: What's the impact of no more Roth recharacterization?

Rhusky - you are right about their being more up than down years. But Roth conversions are not the same as buying stocks during the accumulation phase. You aren't going from a cash position (with negative real return) to a stock position. So you aren't deciding if stocks are too risky for you as th...
by rkhusky
Wed Feb 21, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 91
Views: 4960

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

Taxable earned income includes: Wages, salaries, tips, and other taxable employee pay; Union strike benefits; Long-term disability benefits received prior to minimum retirement age; Net earnings from self-employment if: You own or operate a business or a farm or You are a minister or member of a re...
by rkhusky
Wed Feb 21, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Three Fund Portfolio Excluding TSP?
Replies: 28
Views: 2609

Re: Three Fund Portfolio Excluding TSP?

Lets say you have $75 in a Roth and $100 in the TSP and a 25% tax bracket. Suppose you had $100 in Roth and $100 in the TSP? In that case, 57% of the after-tax value of your portfolio is in the Roth, so if you put the Roth in stock, and the TSP in bonds, you have both higher expected return and hig...
by rkhusky
Wed Feb 21, 2018 7:58 am
Forum: Investing - Theory, News & General
Topic: What's the impact of no more Roth recharacterization?
Replies: 30
Views: 2847

Re: What's the impact of no more Roth recharacterization?

user5027 wrote:
Wed Feb 21, 2018 7:13 am
I always did my conversion early in the year. Now I am waiting to do it later in the year.
The stock market has had more up years than down years. If that continues, it would be better to convert early in the year. If it doesn't continue, you might not want to be in the stock market.
by rkhusky
Tue Feb 20, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 58
Views: 5763

Re: What do Bogleheads think of Passive income through Dividend Stocks

If you don't care about principal and intend to keep your stocks forever, go ahead ahead and purchase a basket of high dividend stocks. Since you don't care if the value of your stocks go down, the main remaining risks are that the companies, whose stocks you own, will decrease or eliminate their di...
by rkhusky
Tue Feb 20, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use Free H&R Block online to file my taxes if my taxable income is more than $99,999?
Replies: 15
Views: 1106

Re: Can I use Free H&R Block online to file my taxes if my taxable income is more than $99,999?

The solution appears to be to print off the free forms and mail to the IRS, which was suggested by the original poster. The only response to the posts did not address the issue. I still say give it a try, but if the web site won't let you efile, print the forms and mail them.
by rkhusky
Tue Feb 20, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: New to FSA and Planning a baby
Replies: 12
Views: 661

Re: New to FSA and Planning a baby

The maximum you can set aside in an FSA is $2600. You should check first how much your insurance covers. Many insurance plans cover 100% of maternity and birth costs. You lose the FSA amounts you don't use, although some plans let you roll over $500 to the next year or pay for expenses up to the fir...
by rkhusky
Tue Feb 20, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use Free H&R Block online to file my taxes if my taxable income is more than $99,999?
Replies: 15
Views: 1106

Re: Can I use Free H&R Block online to file my taxes if my taxable income is more than $99,999?

The link just confirms that someone else had the same problem as the OP, with the same response of income over $99,999. I think the OP is looking for an official HR Block statement that the limitation is correct and not just a software mistake.
by rkhusky
Tue Feb 20, 2018 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Three Fund Portfolio Excluding TSP?
Replies: 28
Views: 2609

Re: Three Fund Portfolio Excluding TSP?

tadamsmar wrote:
Tue Feb 20, 2018 12:29 pm
Lets say you have $75 in a Roth and $100 in the TSP and a 25% tax bracket.
Suppose you had $100 in Roth and $100 in the TSP?
by rkhusky
Tue Feb 20, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Connecticut is charging sales tax on out of state purchases
Replies: 40
Views: 2541

Re: Connecticut is charging sales tax on out of state purchases

Recently somewhere I read (can't recall where) where Penna was going to require vendors to send a report to Dept of Rev listing sales made to PA customers. PA residents are supposed to report/pay use tax with income tax return. Don I wonder how they would enforce that for out-of-state vendors witho...
by rkhusky
Tue Feb 20, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use Free H&R Block online to file my taxes if my taxable income is more than $99,999?
Replies: 15
Views: 1106

Re: Can I use Free H&R Block online to file my taxes if my taxable income is more than $99,999?

I would just try to file and see what happens. They may just ask for a credit card number to charge you for Deluxe.
by rkhusky
Tue Feb 20, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Connecticut is charging sales tax on out of state purchases
Replies: 40
Views: 2541

Re: Connecticut is charging sales tax on out of state purchases

The use tax in my state is only applicable if the tax paid was less than our state's sales tax, and is equal to the difference between the two.
by rkhusky
Mon Feb 19, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 58
Views: 5763

Re: What do Bogleheads think of Passive income through Dividend Stocks

Okay, so basically you are saying don't invest in dividend stocks at all and that investing in dividend stocks for $500-$1000/month is a bad idea? Just turn to other sources of passive income like REITs, real estate, royalties, etc.? What would the best options to generating $500-$1000/month in pas...
by rkhusky
Mon Feb 19, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Is it "cute" to invest in sector funds?
Replies: 23
Views: 1476

Re: Is it "cute" to invest in sector funds?

There are said to be based on academic research, like the Fama and French papers of the 1990s, that suggest that specific patterns of concentration into "asset classes" of stocks with certain characteristics have been superior in the past to the market as a whole. A bit of a nitpick. People invoke ...
by rkhusky
Mon Feb 19, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Using cFiresim
Replies: 14
Views: 1614

Re: Using cFiresim

cFIREsim used to be one of my favorite retirement planning tools, but now in the results they do not provide any data under statistics heading. So Firecalc has become more useful even though I don't like their interface as much. I noticed that change recently. At first I thought it was a bug in my ...
by rkhusky
Mon Feb 19, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Adjusting a Taxable Account
Replies: 18
Views: 871

Re: Tax Adjusting a Taxable Account

Capital gains in the 12% bracket are taxed at 0%.
by rkhusky
Mon Feb 19, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversions to shrink RMDs
Replies: 15
Views: 1052

Re: Roth conversions to shrink RMDs

If she pays the taxes out of the tIRA and stays in the same tax bracket, tIRA and Roth results will be exactly the same. If she pays taxes out of a taxable account, doing the Roth conversion has a slight advantage, although cap gain taxes would eliminate some of the advantage. What with the IRMAA is...
by rkhusky
Mon Feb 19, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 86
Views: 3462

Re: Misc Income [how to report with no 1099]

Add it to wages (line 7, 1040). If you have a business and were working under that business, line 12 & Sched C would be appropriate.
by rkhusky
Mon Feb 19, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Reinvesting RMDs
Replies: 18
Views: 2109

Re: Reinvesting RMDs

2. Is there any problem by selling a fund (deferred), then buying the same fund right away (taxable)? I read about wash sales, but this seems to involve how loss is treated? No problem whatsoever. Wash sale complexities come into play when you sell from taxable and incurr a loss. If you sell from d...
by rkhusky
Mon Feb 19, 2018 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversions to shrink RMDs
Replies: 15
Views: 1052

Re: Roth conversions to shrink RMDs

If she has $1M, then the first year RMD would add $36.5K to her income (divide account balance by 27.4). Would that amount bump her up into the next tax bracket? I suspect not if she is at the bottom of the 24% bracket. Removing $200K would reduce the RMD by $7.3K. Would that make a difference? Ther...
by rkhusky
Sun Feb 18, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH
Replies: 31
Views: 1622

Re: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH

Actual text regarding wash sales from IRS publication 550: A wash sale occurs when you sell or trade stock or securities at a loss and within 30 days before or after the sale you: Buy substantially identical stock or securities, Acquire substantially identical stock or securities in a fully taxable...
by rkhusky
Sat Feb 17, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 67
Views: 6345

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

Four percent withdrawal over 30 years. Study covered 86 rolling 30-year periods from 1900 and ending in 2014. See study here: http://web.iese.edu/JEstrada/PDF/Research/Refereed/Buffett-AA.pdf Thanks. I think that one needs to be careful about using the results of these types of studies, which are s...
by rkhusky
Sat Feb 17, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Is there a way to send text messages on my computer?
Replies: 30
Views: 3233

Re: Is there a way to send text messages on my computer?

For AT&T, try @mms.att.net. Sometimes these services only work for basic 160 character text only messages, whereas some phones use a more complex structure that allows long texts and/or picture & video. While I can receive @vzwpix.com texts to my email, when I reply, the message doesn't go through. ...
by rkhusky
Sat Feb 17, 2018 8:23 pm
Forum: Investing - Theory, News & General
Topic: Target Retirement Fund Question
Replies: 20
Views: 1517

Re: Target Retirement Fund Question

You have no guarantee of that. There may be no stock market in 2060, or a United States or an inhabitable Earth. It's likely there will be, but you have no guarantee. If you have your funds in a tax-advantaged account, you can always move to a different fund if Target Retirement changes to something...
by rkhusky
Sat Feb 17, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 67
Views: 6345

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

One other thing. About the VG target retirement income fund. The stocks/bonds ratio is only 30/70 and the Javier Estrada study showed that 30/70 (and below) had a high failure rate (12.8% for 30/70) and that 40/60 and above had low failure rates (3.5% and below). So, I don't use the VG income fund ...
by rkhusky
Sat Feb 17, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Substantially Equal Periodic Payments (Funding Early Retirement)
Replies: 17
Views: 1389

Re: Substantially Equal Periodic Payments (Funding Early Retirement)

SEPP is better than forgoing Traditional account and investing in taxable. When I looked into it, it did not seem that difficult. It is not entirely without flexibility, but does require you to lock up some of your portfolio for at least five years. While you can't take additional withdrawals, you c...
by rkhusky
Sat Feb 17, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 67
Views: 6345

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

One other thing. About the VG target retirement income fund. The stocks/bonds ratio is only 30/70 and the Javier Estrada study showed that 30/70 (and below) had a high failure rate (12.8% for 30/70) and that 40/60 and above had low failure rates (3.5% and below). So, I don't use the VG income fund ...
by rkhusky
Sat Feb 17, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Is there a way to send text messages on my computer?
Replies: 30
Views: 3233

Re: Is there a way to send text messages on my computer?

I send to @vtext.com for Verizon all the time.
by rkhusky
Sat Feb 17, 2018 7:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 67
Views: 6345

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

Question: How does one truly evaluate their risk tolerance or proper AA? You should look at how much you expect to contribute to retirement funds over your lifetime and what different allocations have returned in the past, to get a feeling for how much risk you need to take to have a reasonable exp...
by rkhusky
Sat Feb 17, 2018 6:52 am
Forum: Investing - Help with Personal Investments
Topic: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH
Replies: 31
Views: 1622

Re: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH

I don't think you need to do that. Just don't buy any VTSAX and VTIAX in your tax advantaged accounts until 31 days have passed since you TLH. And hopefully you haven't bought any of those two in the last 30 days. The next dividend for those two funds is the end of March, so you shouldn't need to wo...
by rkhusky
Fri Feb 16, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 67
Views: 6345

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

Keep in mind that you aren’t locked into anything at this point. As Taylor said, you can change things very easily in a tax advantaged account. So, just decide what you want for the next year or two, 80/20, 90/10 or 100/0. And then do some reading and thinking and reevaluate in a year or two.
by rkhusky
Fri Feb 16, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 67
Views: 6345

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

Keep in mind that without bonds you will not be able to purchase stocks when there is a decline. 10% bonds does not create that much drag. Also, while your portfolio is rather small, stock declines aren't that big of a deal. But once you have a larger portfolio, seeing a few $100K disappear is rathe...
by rkhusky
Fri Feb 16, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Are we TOO diversified? Time to hire a professional? Who has?
Replies: 14
Views: 1861

Re: Are we TOO diversified? Time to hire a professional? Who has?

Impossible to know without the fund info. Diversification among providers should not be a goal.
by rkhusky
Fri Feb 16, 2018 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Substantially Equal Periodic Payments (Funding Early Retirement)
Replies: 17
Views: 1389

Re: Substantially Equal Periodic Payments (Funding Early Retirement)

One way to get money out of a Traditional IRA (which may have been funded by a rollover from a 401k) if you have a substantial Roth IRA, is to withdraw contributions to the Roth IRA, while at the same time replacing them with Roth conversions from the Traditional IRA. Other than that, SEPP seems lik...