Search found 63 matches

by linberl
Tue Nov 15, 2016 1:24 am
Forum: Investing - Theory, News & General
Topic: "Stay the Course in the Next Bad Market?"
Replies: 32
Views: 6439

Re: "Stay the Course in the Next Bad Market?"

Thanks to this forum, I will stay the course with a lot less stress than I might have had. I come back here and read when I need to remember to breathe. But at age 67, if the market goes south I sure hope it recovers while I'm young enough to enjoy the benefits. I have a streamlined financial plan t...
by linberl
Thu Nov 10, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Question for folks who early retired - Approx 50 or earlier
Replies: 11
Views: 2994

Re: Question for folks who early retired - Approx 50 or earlier

Retired from a job I loved (Apple) after I turned 50 because I was having some bad back and foot issues. I didn't have anything near the amount saved that is generally suggested, but I had been tracking my expenses for a couple years while separating out "work" expenses from other. I reali...
by linberl
Wed Nov 09, 2016 8:05 pm
Forum: Investing - Theory, News & General
Topic: Bonds are getting crushed...
Replies: 42
Views: 10082

Re: Bonds are getting crushed...

I'm not a super knowledgeable investor but I've learned a little bit from this forum. Today my bonds were in the crapper and my stock allocation was up so I "made" a whopping $147, ha ha. The old me would have been freaking out. But now, thanks to this forum, I'm yawning. As long as one ba...
by linberl
Mon Sep 19, 2016 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Great West 401k question
Replies: 5
Views: 615

Re: Great West 401k question

Ok, that makes sense. He probably will only stay with this employer a few years and then he can move the 401k to something less costly. I did not actually think about the effect of a job change. Thank you =)
by linberl
Mon Sep 19, 2016 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Great West 401k question
Replies: 5
Views: 615

Great West 401k question

Once again, I turn to this group for advice to share with my son. He is eligible next year for his company 401k. They do NOT match (boo). They use Great West and a cursory inspection shows the fees are considerably higher than anything I've seen with my Vanguard accounts. There is an administrative ...
by linberl
Wed Aug 31, 2016 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Advice re: son's inheritance
Replies: 25
Views: 3113

Re: Advice re: son's inheritance

Thank you BL. He just found out due to having to wait for open enrollment, he won't start his 401k until July. He plans on just doubling up for the second half of the year so he can still max it out.
by linberl
Wed Aug 31, 2016 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Advice re: son's inheritance
Replies: 25
Views: 3113

Re: Advice re: son's inheritance

Celia, I worked for Apple and the company plan was super cheap stock, so it really was a no-brainer. Nothing to think about.
It's why I was able to retire early. Unfortunately my son does not work for Apple or Google, etc., so he will not have such an
easy clear path.
by linberl
Wed Aug 31, 2016 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Advice re: son's inheritance
Replies: 25
Views: 3113

Re: Advice re: son's inheritance

I hope I am not misunderstanding this from the IRS website. My son is NOT eligible for his company retirement plan for 2016. Thus, I interpret this to mean his deduction would be fully allowed, with NO income limitation, since he is not covered by a retirement plan at work for this tax year. Am I wr...
by linberl
Wed Aug 31, 2016 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Advice re: son's inheritance
Replies: 25
Views: 3113

Re: Advice re: son's inheritance

Orca, my son ASKED me to assist him here, so don't make assumptions. He doesn't want to spend his limited free time researching all this stuff and I'm retired and (according to him) have nothing else to do, lol. I'm not making his decisions, just presenting him with a set of best options from which ...
by linberl
Wed Aug 31, 2016 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Advice re: son's inheritance
Replies: 25
Views: 3113

Re: Advice re: son's inheritance

I recall I spent almost my entire working career just doing whatever the "company" offered without giving it much thought. I didn't get interested in finance until I was almost retired, and then I had a lot of work to do to research and learn, but I was seriously motivated. I suspect my so...
by linberl
Wed Aug 31, 2016 12:59 am
Forum: Investing - Help with Personal Investments
Topic: Advice re: son's inheritance
Replies: 25
Views: 3113

Re: Advice re: son's inheritance

If he does the Roth, it won't do anything to lower his tax rate, though. That's a concern. He has zero deductions other than himself, a pretty high income, and it continues to go up (which is good) but he's getting clobbered on taxes on his salary. From what I've projected, he would save around a th...
by linberl
Tue Aug 30, 2016 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Advice re: son's inheritance
Replies: 25
Views: 3113

Re: Advice re: son's inheritance

His loans were consolidated at 6.25% so I think it makes sense to pay them off. He won't earn that much on an investment (not like in the old days, where my loans were under 3% and I could nearly double that investing). I don't think you can make someone interested in something they find utterly bor...
by linberl
Tue Aug 30, 2016 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Advice re: son's inheritance
Replies: 25
Views: 3113

Re: Advice re: son's inheritance

He is eligible next February for his company 401k which I believe means he can contribute to an IRA for this year (since he was not allowed to participate in the company plan this year). Next year he will fund the 401k from his paycheck (or I will kill him, lol).
by linberl
Tue Aug 30, 2016 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Advice re: son's inheritance
Replies: 25
Views: 3113

Advice re: son's inheritance

My almost 30 year old son just inherited some money. He is paying off his student loans first, then funding a IRA for 2016 to reduce his tax burden (income around $80k year). He has zero savings or investments at this point, although he keeps around $6000 in his checking account. I was thinking VFIF...
by linberl
Wed Mar 16, 2016 6:31 pm
Forum: Investing - Theory, News & General
Topic: Quick ? about vtsax dividend
Replies: 2
Views: 683

Re: Quick ? about vtsax dividend

Thanks - good to know.
by linberl
Wed Mar 16, 2016 5:43 pm
Forum: Investing - Theory, News & General
Topic: Quick ? about vtsax dividend
Replies: 2
Views: 683

Quick ? about vtsax dividend

I always get my dividends at the end of the quarter. Today I noticed a decent dividend from vtsax dated 3/14 (and a smaller one for my international fund). Is there some reason it posted before month-end or is this an entirely different dividend? I'm confused.....it's less than my usual month-end am...
by linberl
Sun Nov 08, 2015 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: specific ? on moving Ira assets to Roth
Replies: 4
Views: 427

Re: specific ? on moving Ira assets to Roth

Ah, okay, I get it I think. Add it to ordinary income to find my tax cut off point. And transferring during a drop in value moves a bigger percentage of my assets into the Roth. Finally something financial I can actually wrap my head around without it exploding :D
by linberl
Sun Nov 08, 2015 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: specific ? on moving Ira assets to Roth
Replies: 4
Views: 427

specific ? on moving Ira assets to Roth

Every year, I have moved a small amount from my rollover IRA into my Roth. I use turbotax to estimate the maximum amount I can move without generating tax consequences of any substantial amount. This year if I do it, I would be moving assets that have LOST value for the first time. I don't have any ...
by linberl
Mon Aug 24, 2015 1:33 pm
Forum: Investing - Theory, News & General
Topic: "There’s No Need to Fear Stock Market Corrections"
Replies: 15
Views: 3077

Re: "There’s No Need to Fear Stock Market Corrections"

Every time something substantially bad happens with the market, I get that awful little knot in my stomach and start to hyperventilate. I know what that means. I need to get to my computer quickly and log into Bogleheads before I do something stupid. So thank you, Boglehead forum posters, for provid...
by linberl
Thu Jun 04, 2015 10:41 am
Forum: Investing - Help with Personal Investments
Topic: AA adjustment or not
Replies: 15
Views: 1321

Re: AA adjustment or not

As usual, this board has provided me with lots of food for thought and even more common sense I think what I'm going to do is, instead of shifting $10k a year from my Ira to my Roth (an amount that generates very little tax consequence), I will take the money from my stock allocation until I get it ...
by linberl
Thu Jun 04, 2015 12:21 am
Forum: Investing - Help with Personal Investments
Topic: AA adjustment or not
Replies: 15
Views: 1321

Re: AA adjustment or not

To follow up on Kevin's reply, if I were to sell some stocks to reduce my position, when do I buy bond funds? Should I buy all at once or some every month? Obviously I can't time the market, but it would suck to buy more bonds and then have them drop value right away. Not sure what the best process ...
by linberl
Wed Jun 03, 2015 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: AA adjustment or not
Replies: 15
Views: 1321

AA adjustment or not

I've followed the advice here for a while and set up an easy to manage portfolio and left it alone. I've been retired now nearly 4 years and have just started taking a bit of money out (the dividends in my stock allocation) but I continue to reinvest my bond fund. Personally, I don't believe in bein...
by linberl
Wed Oct 15, 2014 5:43 pm
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 49379

Re: Headed for a 300+ point loss today?

I have no brilliance to add to this discussion except to say Thank You. Without this forum, my head would be exploding right about now. You all have taught me to just ... breathe ... and do nothing. So I will continue to read posts which are way above my knowledge level and glean what I can, while t...
by linberl
Wed May 21, 2014 2:46 pm
Forum: Investing - Theory, News & General
Topic: Social Security at 62? Let’s Run the Numbers
Replies: 101
Views: 11821

Re: Social Security at 62? Let’s Run the Numbers

My taxes couldn't be lower since I don't pay any And the SPIA has a cash value for my son if I don't live too long; he would get nothing from social security. And he wouldn't get much if I had spent down my investments while I delayed my SS. Feeling good about what I'm doing instead of stressing pro...
by linberl
Wed May 21, 2014 2:23 pm
Forum: Investing - Theory, News & General
Topic: Social Security at 62? Let’s Run the Numbers
Replies: 101
Views: 11821

Re: Social Security at 62? Let’s Run the Numbers

Maybe not the smartest thing to do financially, but I took it at 62 (single female). Been retired over 2 years and I've not had to touch my investments or cash fund. I'm up over $50k in 2 years with my AA. Maybe it might have been smarter to wait, but there's something about the mental comfort of co...
by linberl
Sun Nov 17, 2013 1:15 am
Forum: Investing - Help with Personal Investments
Topic: Please tell me if this makes sense...
Replies: 6
Views: 1184

Re: Please tell me if this makes sense...

Devil's Advocate: Why do you need the cash back option? You'll be dead....and your son will still inherit some of your assets and work. --noted you did not mention if you are married in which case survivor-ship options enter the fray. LA, I picked cash back in case I were to die in a couple years. ...
by linberl
Sun Nov 17, 2013 1:09 am
Forum: Investing - Help with Personal Investments
Topic: Please tell me if this makes sense...
Replies: 6
Views: 1184

Re: Please tell me if this makes sense...

Watty, I was thinking about that. What I though was that collecting for an extra 6 years probably would outweigh the additional income/lower cost of waiting but maybe not. Any idea on how I would go about determining that? Here's where I could use a prefab calculator There's no way to know what infl...
by linberl
Sat Nov 16, 2013 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Please tell me if this makes sense...
Replies: 6
Views: 1184

Please tell me if this makes sense...

I have $300k total, $140k in bond fund IRA, 20K bond fund Roth, $140k index stock funds. . They generate about $5000 year in income right now all together. I can take the IRA and Roth and purchase SPIA for $160k and get a little over $800/mo for life with cash refund. That's $9600+ year and I still ...
by linberl
Sat Aug 03, 2013 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: rebalancing question
Replies: 2
Views: 263

Re: rebalancing question

Yes, Livesoft, that's why I think the i-bond is not worth the effort. I'm a definitely a lazy investor. Mostly I just want to be sure that it's better to sell from the Roth than the taxable and that it doesn't matter in terms of overall allocation. I think I initially bought the stock fund in my Rot...
by linberl
Sat Aug 03, 2013 10:27 am
Forum: Investing - Help with Personal Investments
Topic: rebalancing question
Replies: 2
Views: 263

rebalancing question

I realize this may be a stupid question but I always wonder if there's something I'm not considering before I make changes. I want to rebalance some stock out to either cash (to hold to buy bonds if they drop more), or just add to my bond fund. I think buying an i-bond with my Roth money would invol...
by linberl
Fri Aug 02, 2013 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: thinking aloud...SPIA?
Replies: 7
Views: 758

Re: thinking aloud...SPIA?

I appreciate all the advice. I guess I'm not as worried about funding past 90 as no one in my family has ever lived that long, and if I am alive, I most likely will be using my long term care insurance which is quite good. That plus social security is really all I'll need when I'm sleeping and drool...
by linberl
Fri Aug 02, 2013 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: thinking aloud...SPIA?
Replies: 7
Views: 758

Re: thinking aloud...SPIA?

Thanks Bertilak, that''s actually the link where I started. However, I found another thread of yours in Theory that seems to have really helped. If I understand correctly, delaying to get mortality credits will increase my payout. Since I don't need the cash flow for 3-4 years, I can put off the dec...
by linberl
Fri Aug 02, 2013 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: thinking aloud...SPIA?
Replies: 7
Views: 758

thinking aloud...SPIA?

I'm invested 40 stock/60 bonds with a little over $300k. Slight variation on the three fund portfolio previously reviewed here. I'm staying the course....but.... I'm looking at probably spending down everything if I live until 90-ish (I'm 63 now), especially if bond returns remain 2% for the next 10...
by linberl
Wed Jun 26, 2013 12:24 am
Forum: Investing - Theory, News & General
Topic: AAPL - Great Investment or Value Trap
Replies: 26
Views: 3560

Re: AAPL - Great Investment or Value Trap

I worked for Apple for years and had the good fortune to be able to purchase a ton of stock @ ESPP pricing. I sold all of it last year when it was in the high $600's. Partly due to the "insight" I had from current employees, and partly because I was tired of the volatility. You may make mo...
by linberl
Mon Jun 24, 2013 5:18 pm
Forum: Investing - Theory, News & General
Topic: bond returns - reinvest in this climate?
Replies: 7
Views: 828

Re: bond returns - reinvest in this climate?

Thanks Ogd and Frengo - I guess I will let it ride, so to speak, and leave the reinvesting in place. The tax lots don't concern me. When I sold my Apple stock (when it was near high) I had tons of lots to enter plus ESPP data, since I worked for them for years and bought stock through my plan. If th...
by linberl
Mon Jun 24, 2013 4:24 pm
Forum: Investing - Theory, News & General
Topic: bond returns - reinvest in this climate?
Replies: 7
Views: 828

bond returns - reinvest in this climate?

I am "staying the course" on my bond funds (intermediate) since I won't need the principal for atleast 10 years. I'm just trying not to look right now But I have them set up for automatic reinvestment and don't know if, in a situation where bonds funds are dropping NAV, should I continue. ...
by linberl
Sun Jun 16, 2013 4:36 pm
Forum: Investing - Theory, News & General
Topic: boiling it down for an investing novice
Replies: 15
Views: 1477

Re: boiling it down for an investing novice

I'm actually almost 2 years into retirement My allocation, not including SS, is 42/52 with a liquid cash fund for the remainder. Being 50% in bonds is why I have been reading the threads and why I was a bit concerned. I'm thinking cd ladders might not be necessary since I don't need to tap the capit...
by linberl
Sun Jun 16, 2013 2:37 pm
Forum: Investing - Theory, News & General
Topic: boiling it down for an investing novice
Replies: 15
Views: 1477

boiling it down for an investing novice

I converted to a simple 3 fundish Bogle system about a year ago. I'm a happy person with the hold philosophy and enjoy the lack of stress. But I read the articles here about bonds and people encouraging one to sell and buy cds or ladders or whatever, and I wonder if I need to do something like that....
by linberl
Thu Feb 14, 2013 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: simple question about ira to roth
Replies: 5
Views: 489

simple question about ira to roth

I'm pretty sure this makes sense but wanted to see if anyone could imagine a downside to this plan. I can take $10k annually from my IRA and not have to pay additional taxes (living on cash savings and social security, no other withdrawals from 55% bonds in ira or 45% stocks taxable). I can do this ...
by linberl
Sun Jan 27, 2013 11:37 am
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 232
Views: 61777

Re: AAPL

I worked for Apple and left with a ton of stock. Sold all of it over 2011/2012. Made a lovely profit. Why did I sell? Everyone I know at the retail/corporate level was telling me things were changing, and not for the better. I've been a retail manager my whole life, and worked for enough companies t...
by linberl
Tue Jan 22, 2013 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Question about holding period
Replies: 4
Views: 428

Re: Question about holding period

Thanks for the replies. So let me make sure I understand. One moves the profit (or excess allocation) into bonds. I guess the theory is that bonds are a safe haven, then. However, my largest bond fund is flat/negative for the year (VBTLX) so it almost seems like it would be better to drop into a mon...
by linberl
Mon Jan 21, 2013 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Question about holding period
Replies: 4
Views: 428

Question about holding period

Okay, I have traveled from stock picker to 3 fund holder (with TIPS) and been pretty happy, thanks to this forum. While I might have made a little more money I have been a lot less stressed than with stock picking and daily stock watching. So here comes what is probably the stupid question - with in...
by linberl
Fri Sep 14, 2012 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: can't find VG return % ytd
Replies: 6
Views: 688

Re: can't find VG return % ytd

OK I am assuming since I have not had the account one year that's the reason all the suggested places to look have dashes instead of percentages. Weird. I guess I will pick up the phone and call my VG rep and just ask. I do see the places on both locations mentioned but there are no numbers, just da...
by linberl
Thu Sep 13, 2012 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: can't find VG return % ytd
Replies: 6
Views: 688

Re: can't find VG return % ytd

Hi. The custom tab allows me to select dates but the result is still in dollars. Not percentage. Is this not possible on their site?
by linberl
Thu Sep 13, 2012 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: can't find VG return % ytd
Replies: 6
Views: 688

can't find VG return % ytd

I apologize if this is stupid but I am trying to get a simple % return YTD on my VG combined accounts. There's a personal performance page that shows me dollars by month or by individual investment but nowhere is there a percentage. I just want to know once a month where I am trending - 2%, 3%, 4%, ...
by linberl
Wed Aug 29, 2012 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: help understanding ORP report plan please
Replies: 12
Views: 910

Re: help understanding ORP report plan please

Thanks...a glass of wine always makes it better =)

I need to find a good book for dummies on how to spend down.
by linberl
Wed Aug 29, 2012 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: help understanding ORP report plan please
Replies: 12
Views: 910

Re: help understanding ORP report plan please

My tax rate was set at 10% since SS is my only income other than dividends (which are not that much). Your chart is really different in that it shows (I think) small conversions to a Roth for the first 6 years (which is what I had thought to do), although my SS is more like 17k I don't think it will...
by linberl
Wed Aug 29, 2012 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: help understanding ORP report plan please
Replies: 12
Views: 910

Re: help understanding ORP report plan please

That was from the assets portion. This may be more than you need. Basically I input that i plan to retire @ 64 (although I am retired now at 62 but have cash assets i didn't show which cover the next 2 years). It seemed to indicate I should take two withdrawals from my IRA at 64 and 65 and do someth...
by linberl
Wed Aug 29, 2012 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: help understanding ORP report plan please
Replies: 12
Views: 910

help understanding ORP report plan please

I ran this report, linked in one of the posts here, and if I read it correctly, it suggests moving a substantial amount of funds from deferred tax (my IRA) and paying taxes up front. I always though one should let the tax deferred accounts grow and spend down the taxable. So I am thoroughly confused...