Search found 455 matches
- Mon Feb 22, 2021 9:40 pm
- Forum: Investing - Theory, News & General
- Topic: What is your age and asset allocation ?
- Replies: 595
- Views: 55111
Re: What is your age and asset allocation ?
Age 70 with defined benefit pension. Allocation 60% stock 40% bonds with significant mid-small-cap tilt. I consider my time horizon to be related to age of my heirs (age 40 and 42).
- Mon Feb 15, 2021 1:07 am
- Forum: Personal Finance (Not Investing)
- Topic: Recommend a Life Insurance Company
- Replies: 18
- Views: 1273
Re: Recommend a Life Insurance Company
Years ago I used Accuquote and ended up with policy with Transamerica occidental life. Am very satisfied with this policy.
- Mon Jan 04, 2021 3:20 pm
- Forum: Personal Finance (Not Investing)
- Topic: Overcontribution to 401k after-tax by $300 when future match is included, curious what employer will do?
- Replies: 21
- Views: 1225
Re: Overcontribution to 401k after-tax by $300 when future match is included, curious what employer will do?
I believe the employer match is not counted as part of the employee contribution limit. The employer has their own match limit that is separate (additional limit). That means you are not over-contributed.
- Mon Dec 07, 2020 11:35 pm
- Forum: Personal Investments
- Topic: Vanguard index vs TSP
- Replies: 39
- Views: 2809
Re: Vanguard index vs TSP
Roth account at TSP is subject to Required Minimum Distribution - RMD at age 72. You can avoid RMD by rolling Roth TSP account to Roth IRA at Vanguard.
- Thu Nov 12, 2020 11:02 pm
- Forum: Investing - Theory, News & General
- Topic: Taylor Sends His Best to Fellow Bogleheads
- Replies: 334
- Views: 26743
Re: Taylor Sends His Best to Fellow Bogleheads
Speedy recovery Taylor
- Fri Oct 16, 2020 11:29 am
- Forum: Personal Finance (Not Investing)
- Topic: Wellcare Pt D jump from 16.70 to $54
- Replies: 48
- Views: 4184
Re: Wellcare Pt D jump from 16.70 to $54
I got my 2021 Social Security benefit notice yesterday, and saw where Wellcare Part D was going from 16.70 to over $54. I'm not finding any of Wellcare premiums being close to $54. Could that $54 be the annual cost of prescription medication copays under the plan? I currently have Silverscript Choi...
- Thu Feb 27, 2020 12:48 pm
- Forum: Investing - Theory, News & General
- Topic: Why does VTEAX have a purchase fee?
- Replies: 32
- Views: 2426
Re: Why does VTEAX have a purchase fee?
I noticed today that VTEAX no longer has a purchase fee.
And the ETF VTEB expense ratio has been lowered to 0.06 as compared to ER of 0.09 for VTEAX.
What to do????
I'm waiting till next week, then consider purchasing VTEAX to replace my VMLUX holdings.
And the ETF VTEB expense ratio has been lowered to 0.06 as compared to ER of 0.09 for VTEAX.
What to do????
I'm waiting till next week, then consider purchasing VTEAX to replace my VMLUX holdings.
- Mon Feb 17, 2020 1:58 am
- Forum: Personal Investments
- Topic: VTEAX Tax Exempt Bond Index Fund
- Replies: 17
- Views: 3737
Re: VTEAX Tax Exempt Bond Index Fund
Any guesses as to when Vanguard may get rid of the purchase fee for vteax?
- Fri Nov 01, 2019 8:58 am
- Forum: Investing - Theory, News & General
- Topic: Treasury yield curve: changes for October 2019
- Replies: 15
- Views: 1938
Re: Treasury yield curve: changes for October 2019
October 1st is inverted yield curve and October 31st is normal / steeper yield curve in response to fed action. Any bets on when the inverted curve will return?
- Mon Sep 02, 2019 8:21 pm
- Forum: Personal Consumer Issues
- Topic: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?
- Replies: 52
- Views: 7495
- Tue Aug 13, 2019 8:45 am
- Forum: Personal Finance (Not Investing)
- Topic: Long-Term Care Decision
- Replies: 332
- Views: 18590
Re: Long-Term Care Decision
A better policy would be one where you paid the first 3 years, or the first $300,000, and the insurance company paid everything after that. But it doesn't exist. This was the exact proposal as an original component of ACA. But was deleted prior to passage of ACA. Perhaps it could be included next t...
- Thu Mar 21, 2019 7:53 pm
- Forum: Personal Investments
- Topic: Expense Ratio on Vanguard LifeStrategy Fund
- Replies: 4
- Views: 836
Re: Expense Ratio on Vanguard LifeStrategy Fund
The expense ratio is a weighted average of the component funds. But I wander about the fact that the underlying funds have "investor" level ERs. With those investor level funds now closed and replaced with admiral level funds; Anyone venture a guess about when will life strategy will lower...
- Sat Jun 30, 2018 12:11 am
- Forum: Personal Consumer Issues
- Topic: Vacation- home precautions?
- Replies: 39
- Views: 5659
Re: Vacation- home precautions?
If you have a reliable main valve; then shut the water to whole house.
- Thu Jun 21, 2018 10:50 pm
- Forum: Personal Consumer Issues
- Topic: "distilled" water for wife's CPAP machine
- Replies: 74
- Views: 6969
Re: "distilled" water for wife's CPAP machine
My older cpap uses a separate stand-alone humidifier in which I use tap water that I change on a daily basis.
But the newer cpap models with integrated humidifier should only use distilled water (to prevent damage to the CPAP unit).
But the newer cpap models with integrated humidifier should only use distilled water (to prevent damage to the CPAP unit).
- Wed May 09, 2018 7:35 am
- Forum: Personal Finance (Not Investing)
- Topic: Medicare supplement policy G -does it offer guaranteed issue rights if insurance company goes bankrupt or ends?
- Replies: 23
- Views: 2656
Re: Medicare supplement policy G -does it offer guaranteed issue rights if insurance company goes bankrupt or ends?
Plan G is only guaranteed issue once in a lifetime --- when you first turn age 65. You can still apply for G anytime later, but will experience medical underwriting.
- Wed Sep 13, 2017 8:59 pm
- Forum: Personal Consumer Issues
- Topic: Hearing aid 101
- Replies: 95
- Views: 12809
Re: Hearing aid 101
I got my first pair of hearing aids about two months ago. Initially, I was skeptical of Costco; But when my family doctor said to go there He told me he got his at Costco --- then I knew it was OK. First went to an ENT doctor for ear cleaning. The ENT office wanted $4000 for a pair of hearing aids. ...
- Wed Aug 30, 2017 7:20 pm
- Forum: Non-US Investing
- Topic: 401k - Moving to Canada
- Replies: 4
- Views: 1235
Re: 401k - Moving to Canada
Alternative would be to roll it over into an IRA (within a US based brokerage).
- Sun Aug 13, 2017 9:27 am
- Forum: Personal Investments
- Topic: Contributions to Roth 401k and Roth IRA Exceed Earned Income
- Replies: 4
- Views: 797
Re: Contributions to Roth 401k and Roth IRA Exceed Earned Income
i am facing a similar issue this year (2017). IS it still true --- can combined contributions to
Roth 401k and Roth IRA still permitted to exceed work-earnings?
Roth 401k and Roth IRA still permitted to exceed work-earnings?
- Mon Jul 17, 2017 2:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: Social secuity after divorce
- Replies: 10
- Views: 2337
Re: Social secuity after divorce
As a divorced person (long term marriage) I'm fairly sure my whole benefit is less than 50% of my former spouse's. Currently I plan to take that at full retirement age, but if it would help me retire earlier I may take it before that. I'm currently in my mid-50s. Is it possible to find out now what...
- Sat Jul 15, 2017 9:14 am
- Forum: Personal Finance (Not Investing)
- Topic: What am I missing here? [I'm a bachelor]
- Replies: 51
- Views: 4753
Re: What am I missing here? [I'm a bachelor]
Purchasing our home back in 1978 was a natural need for a growing family. If you plan to stay long term in same city; Owning a home outright (eventually) will become an additional source of stability in life.
- Fri Jul 14, 2017 11:37 am
- Forum: Personal Finance (Not Investing)
- Topic: Personal loan to a family member
- Replies: 114
- Views: 11230
Re: Personal loan to a family member
+1Watty wrote:
I would think that it would be better to buy the house in your name then let them rent it from you.
- Thu Jul 13, 2017 9:42 pm
- Forum: Personal Investments
- Topic: Ready to Take the Plunge - Am I doing my 4-fund portfolio right? (Dumbest Post Ever?)
- Replies: 7
- Views: 1275
Re: Ready to Take the Plunge - Am I doing my 4-fund portfolio right? (Dumbest Post Ever?)
If you have less than $50,000; then just use a LIFE STRATEGY growth fund which has an 80 / 20 allocation. If you are investing at least $50,000; then you could use all admiral-class funds in a THREE-fund portfolio. (correction) If you are investing at least $250,000; then you could use all admiral-c...
- Wed Jul 12, 2017 9:45 pm
- Forum: Investing - Theory, News & General
- Topic: Fascinating Morningstar Article - Mutual Fund Flows
- Replies: 25
- Views: 3456
Re: Fascinating Morningstar Article - Mutual Fund Flows
All of my assets were with Vanguard (other than cash and my 401k). Recently I retired and moved my 401k to Fidelity. Fidelity made the transfer really easy. Does Vanguard accommodate transferring in from a 401K? What is primary reason you chose Fidelity for your 401-k transfer destination?
- Tue Jul 11, 2017 10:08 pm
- Forum: Personal Consumer Issues
- Topic: Advice on buying a musical instrument
- Replies: 24
- Views: 2551
Re: Advice on buying a musical instrument
Ask your violin teacher to join you in testing out violins for purchase. I bought a Haynes Clarinet Manual and found it very valuable in addressing many adjustment issues, including purchasing instruments. There exist a Haynes Violin Manual that may provide you with similar assistance. http://www.am...
- Sat Jun 24, 2017 4:54 pm
- Forum: Personal Investments
- Topic: Is my pension a Fixed asset?
- Replies: 37
- Views: 7342
Re: Is my pension a Fixed asset?
Only the vested portion of pension can be considered a bond or annuity. If not yet vested or able to draw, then the "pension" has zero value; Except perhaps for that vested portion that you could retrieve if leaving your employment today.
- Tue Jun 06, 2017 9:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: Collecting Canada Pension, will Social Security benefits be reduced?
- Replies: 3
- Views: 855
Re: Collecting Canada Pension, will Social Security benefits be reduced?
The SSA website documents an agreement with other countries, including Canada. Your benefits apparently would be affected by "windfall elimination". If so, then your SSA benefits may be reduced by about half. http://www.ssa.gov/international/Agreement_Pamphlets/canada.html Edit: But on the...
- Mon May 22, 2017 7:45 pm
- Forum: Investing - Theory, News & General
- Topic: Yield Curve and the Next Stock Market Correction
- Replies: 36
- Views: 5511
Re: Yield Curve and the Next Stock Market Correction
Some rules of thumb (from a book about yield curves by Deborah Weir) Economic Trends (treasury yields) 3_month > 10_Year Sell 3_month > 30_Year sell (10_year > 30_year) sell These become actionable sell criteria when combined with increased quality spreads (AA to junk) moves from the 3% normal sprea...
- Wed May 10, 2017 4:06 am
- Forum: Personal Finance (Not Investing)
- Topic: Long Term [Care] Rates just went Through the roof!
- Replies: 34
- Views: 6072
Re: Long Term [Care] Rates just went Through the roof!
WolfgangPauli wrote:
Remove the inflation rider
The inflation rider is most likely premiumed at your new / current age.
- Tue May 09, 2017 6:50 am
- Forum: Personal Consumer Issues
- Topic: Expat Retirement Location with Health Care Eligibility
- Replies: 30
- Views: 4925
- Tue May 09, 2017 6:44 am
- Forum: Personal Finance (Not Investing)
- Topic: SS Survivor Benefits
- Replies: 13
- Views: 2145
Re: SS Survivor Benefits
Assuming you're married more than 10-years; Then her benefit for drawing social security based on your earnings record was maxed when you reached age-66.TinyTim wrote:Will she receive the same higher amount that I get by waiting to take SS until age 70?
But waiting till age-70 will increase your benefit.
- Fri May 05, 2017 6:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medicare Supplement Policies?
- Replies: 56
- Views: 7879
Re: Medicare Supplement Policies?
I have plan G and from my view it is the best choice. If you have a pre-existing condition, then this may be your only opportunity to ever get plan G with guaranteed issue. I'm in Ohio and the best carrier (lowest premiums) for plan G is with Medical Mutual of Ohio. But they do not sell in other sta...
- Thu May 04, 2017 5:16 am
- Forum: Personal Investments
- Topic: Dilemma: TDFs in tax advantaged accounts, but want to open a taxable account
- Replies: 4
- Views: 670
Re: Dilemma: TDFs in tax advantaged accounts, but want to open a taxable account
Approximate with 90% vtsax and 10% tax-exempt municipal bond fund.
- Sat Apr 22, 2017 7:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medigap Insurance Plans
- Replies: 43
- Views: 4802
Re: Medigap Insurance Plans
Here in Ohio, I am enrolled in plan G with Medical Mutual of Ohio. It's the best carrier I found within Ohio, But one needs to be an Ohio resident to enroll.rennman100 wrote: Can people comment on their G providers?
- Sat Apr 22, 2017 5:19 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medigap Insurance Plans
- Replies: 43
- Views: 4802
Re: Medigap Insurance Plans
I personally like plan-G the best; but there is no guaranteed issue if you are changing. But if you are VERY healthy, It could be a good time to change to G. I thought you could change plans without medical underwriting during open enrollment each year, so long as the new plan had a lower level of ...
- Sat Apr 22, 2017 1:59 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medigap Insurance Plans
- Replies: 43
- Views: 4802
Re: Medigap Insurance Plans
F will only be closed off to new people. If you're in F, you can stay as long as your carrier still has an F. I personally like plan-G the best; but there is no guaranteed issue if you are changing. But if you are VERY healthy, It could be a good time to change to G. Unless there is Kaiser Permanent...
- Tue Apr 18, 2017 5:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: How Do Taxes Work With Rollover Roth IRA?
- Replies: 11
- Views: 1192
Re: How Do Taxes Work With Rollover Roth IRA?
You meant "convert to a Roth IRA". Yes, particularly if you have good future potential for advancement and increasing salary, now is the time to convert incremental amounts each year. Convert the whole 20k but not above the top of the 15% bracket if you can. By converting only to top of 1...
- Tue Apr 18, 2017 10:20 am
- Forum: Personal Finance (Not Investing)
- Topic: How Do Taxes Work With Rollover Roth IRA?
- Replies: 11
- Views: 1192
Re: How Do Taxes Work With Rollover Roth IRA?
Is the 4012k Traditional or Roth?
- Sat Apr 15, 2017 6:26 pm
- Forum: Personal Investments
- Topic: How often should I contribute to my taxable account?
- Replies: 23
- Views: 4217
Re: How often should I contribute to my taxable account?
I prefer direct deposit -- directly from employer payroll department to Vanguard money market in taxable account every week.
Then whenever I get around to it, I exchange from money market to (50:50) Total-stock-market and Limited-term-tax-exempt.
Then whenever I get around to it, I exchange from money market to (50:50) Total-stock-market and Limited-term-tax-exempt.
- Fri Apr 14, 2017 10:06 pm
- Forum: Personal Consumer Issues
- Topic: Hearing Aid Benefits
- Replies: 24
- Views: 2507
Re: Hearing Aid Benefits
My brother is a very dedicated public high school teacher, teaching in a low income area. He's also hearing impaired and wears expensive hearing aids. It's time for his hearing aids to be upgraded to stronger units and they are very expensive and not covered by his insurance. Are any of you aware o...
- Fri Apr 14, 2017 5:52 pm
- Forum: Personal Consumer Issues
- Topic: Washer/dryer suggestions?
- Replies: 46
- Views: 8338
Re: Washer/dryer suggestions?
We have a front load LG washer. It runs acceptably, I guess, but I dislike the thumping / out of balance noise when spinning. We had a mildew problem, but solved that by putting a small amount of chlorine bleach in with the detergent each and every load (no exceptions) . No more mildew odor. Our LG ...
- Tue Apr 04, 2017 4:07 pm
- Forum: Personal Finance (Not Investing)
- Topic: Roll Over 401k to Vanguard for access to closed funds
- Replies: 9
- Views: 1063
Re: Roll Over 401k to Vanguard for access to closed funds
It may be easier to manage the portfolio when all at one brokerage.
Is the 401K traditional or roth?
If roth, the employer match portion may be pre-tax and could result in comingled funds in your Vanguard IRA, unless you sort out and separate the amounts in advance.
Is the 401K traditional or roth?
If roth, the employer match portion may be pre-tax and could result in comingled funds in your Vanguard IRA, unless you sort out and separate the amounts in advance.
- Mon Apr 03, 2017 9:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medigap Plan F Increases
- Replies: 37
- Views: 4816
Re: Medigap Plan F Increases
Here in Ohio, My wife (age 67) had an 8% increase for plan F in 2017. She now pays $162 /month.
I have plan G and had a zero percent increase in 2017 (age 66) @ $126 / month.
Nearly all plans in Ohio increase with attained age. Is your state an attained age state(s) or an issue age state?
I have plan G and had a zero percent increase in 2017 (age 66) @ $126 / month.
Nearly all plans in Ohio increase with attained age. Is your state an attained age state(s) or an issue age state?
- Sun Apr 02, 2017 3:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: nursing home & medicaid
- Replies: 21
- Views: 2621
Re: nursing home & medicaid
You certainly need an elder law attorney. I have heard that paying off all debt (including mortgage debt) would help limit the assets that nursing homes would attempt to take. They also cannot take the primary home or primary car. You may considering selling one or both homes and then purchase a hom...
- Sun Apr 02, 2017 10:24 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard Core Bond Fund (VCORX) One Year on:
- Replies: 63
- Views: 20443
Re: Vanguard Core Bond Fund (VCORX) One Year on:
Core bond's largest holding ($490 million) is "Japan Treasury Discount Bill". That's 74 percent of Core Bond's total assets. What does this mean about the character of Core Bond's portfolio? huh? http://portfolios.morningstar.com/fund/holdings?t=VCORX®ion=usa&culture=en-US I se...
- Sun Apr 02, 2017 9:14 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard Core Bond Fund (VCORX) One Year on:
- Replies: 63
- Views: 20443
Re: Vanguard Core Bond Fund (VCORX) One Year on:
Core bond's largest holding ($490 million) is "Japan Treasury Discount Bill". That's 74 percent of Core Bond's total assets. What does this mean about the character of Core Bond's portfolio?
- Thu Mar 30, 2017 3:20 pm
- Forum: Personal Finance (Not Investing)
- Topic: Social secuity after divorce
- Replies: 10
- Views: 2337
Re: Social secuity after divorce
I recently read some social security literature and the following is my understanding: If married more than 10-years; And divorced more than two years ago; And you have not re-married; And wage earner (ex-spouse) is age-66 or older Then you can qualify for 50% SSA benefit based on your ex-spouse wor...
- Wed Mar 29, 2017 3:38 pm
- Forum: Personal Investments
- Topic: Best way to "sell" fund no longer want
- Replies: 8
- Views: 1116
Re: Best way to "sell" fund no longer want
Just be sure you have held all shares of FNMIX for 91 days or more. There is a 1% redemption fee if held less than 90-days.
- Sat Mar 25, 2017 10:08 pm
- Forum: Personal Investments
- Topic: 100% stocks w/pension?
- Replies: 40
- Views: 6500
Re: 100% stocks w/pension?
You should not treat your pension as a bond until the 20 years of service is actually completed.Que1999 wrote:Myself and the wife are 35 years old. I have a very favorable pension that earns 8.25%. After 20 years of service, my pension requirements are met in full
- Wed Mar 08, 2017 9:32 am
- Forum: Personal Investments
- Topic: Berkshire Hathaway Annual Meeting - Anyone Going?
- Replies: 16
- Views: 3337
Re: Berkshire Hathaway Annual Meeting - Anyone Going?
Hi all, Just wondering if any one of you is planning to attend Berkshire Hathaway's Annual Meeting. Also, if you own a mutual fund that invests in BRK.A and BRK.B, will I be eligible to attend the annual meeting? I own the Sequoia Fund (SEQUX) and the top holdings are class A and class B stocks in ...
- Tue Feb 21, 2017 11:32 pm
- Forum: Personal Investments
- Topic: Do companies match after-tax 401k contributions?
- Replies: 32
- Views: 5387
Re: Do companies match after-tax 401k contributions?
I think you meant to say that your employer pays a match ON your Roth 401k contributions, but the match is PAID INTO the pre tax account. Employer does match ON the Roth 401K, but a separate pre-tax account is not visible to me. But can view the assets by source: "Employee_contribution" a...