Search found 61 matches

by northstar22
Tue Dec 08, 2015 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: TLH dividend timing
Replies: 5
Views: 515

Re: TLH dividend timing

I think you are needlessly increasing your taxes for no benefit. I suggest you do nothing and save on your taxes. I appreciate this feedback. It would be nice to have just 1 total international fund, but perhaps not worth the tax hit. Maybe I'll just hope they both continue to drop so I can TLH aga...
by northstar22
Tue Dec 08, 2015 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: TLH dividend timing
Replies: 5
Views: 515

TLH dividend timing

I did a TLH a couple months ago of Vanguard total international (VTIAX) into VFWAX for $12k in losses. Since then there's been a bit of a gain in both ($3k), but I think I'd like to switch back to VTIAX to simplify my portfolio. I believe both are scheduled for a dividend next week. My question is h...
by northstar22
Tue Nov 03, 2015 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Premium- FSA eligible?
Replies: 1
Views: 248

Medicare Supplement Premium- FSA eligible?

I've looked in a number of places and can't find a definitive answer to this question: Can FSA (not HSA) money be used to pay premiums for Medicare Supplemental insurance (not part B, but the supplement)? Does anybody do this?
by northstar22
Fri Aug 22, 2014 8:19 pm
Forum: Investing - Theory, News & General
Topic: look at small value etfs
Replies: 34
Views: 4415

Re: Consider the cost of exposure

If you have room in your investments, you can get more exposure to small-cap and value either by holding more small-cap value stock, or by holding the same amount of a fund with deeper small-cap and value exposure. And given the low cost of VBR (0.09%), increasing your allocation there is likely to...
by northstar22
Tue Aug 12, 2014 9:39 am
Forum: Investing - Help with Personal Investments
Topic: What's an acceptable stable value fund rate?
Replies: 18
Views: 1815

Re: What's an acceptable stable value fund rate?

SV funds will have rates in line with prevailing interest rates except that the rates paid will tend to lag the bond market in timing. What should have happened is that SV rates are now lower following interest rate declines over the last couple of years, and if rates go back up SV rates will event...
by northstar22
Tue Aug 12, 2014 12:57 am
Forum: Investing - Help with Personal Investments
Topic: What's an acceptable stable value fund rate?
Replies: 18
Views: 1815

Re: What's an acceptable stable value fund rate?

Thanks everyone. As I sort of expected its a pretty close call. She's in TBM at the moment (.07 ER), so inertia may win out. But I'll keep an eye on the SV rate, as I do like the lack of interest rate risk. I suppose a compromise could be to diversify between the 2.
by northstar22
Mon Aug 11, 2014 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: What's an acceptable stable value fund rate?
Replies: 18
Views: 1815

What's an acceptable stable value fund rate?

My mom has a pretty good 403(b) with fidelity spartan options for equities. My question relates to the bond portion. One of her options is a stable value fund (prudential principal preservation separate account) with a 1.6% return. It lists expenses of .25%, which I assume is already factored into t...
by northstar22
Sat Aug 02, 2014 11:18 am
Forum: Investing - Help with Personal Investments
Topic: buying shares in taxable
Replies: 7
Views: 652

Re: buying shares in taxable

Note that while buys are by dollar, sales are by shares. So, if you want to by 30 shares and the price is roughly $20, buy say $700 worth. Say the NAV is 22.31 so you get 31.376 shares. The next day, sell 1.376 shares leaving you with 30. Voila! Three caveats: I don't know if there is a minimum sal...
by northstar22
Sat Aug 02, 2014 10:45 am
Forum: Investing - Help with Personal Investments
Topic: buying shares in taxable
Replies: 7
Views: 652

Re: buying shares in taxable

Thanks for the responses. I had a feeling that would be the case. I appreciate the explanations.
by northstar22
Sat Aug 02, 2014 10:19 am
Forum: Investing - Help with Personal Investments
Topic: buying shares in taxable
Replies: 7
Views: 652

buying shares in taxable

I'm about to make my 3rd purchase in my taxable account. In previous purchases I chose a round number of dollars (e.g. $1000) to make the purchase. However, I was wondering if it would make my life easier in the future to buy a whole number of shares. I am going to buy Vanguard Total International. ...
by northstar22
Thu May 15, 2014 3:04 pm
Forum: Investing - Theory, News & General
Topic: Intermediate bond fund yields are getting ridiculous
Replies: 20
Views: 2963

Re: Intermediate bond fund yields are getting ridiculous

...intermediate muni and investment grade funds with 6 or so year durations are now yielding about 2 3/4%. But is it just too low to bother with any more for fresh cash? Calm Man - are you thinking the 2 3/4% is too low? BTW, Vanguard Intermediate-Term Tax-Exempt SEC Yield is 1.90%. What intermedia...
by northstar22
Mon Mar 31, 2014 4:14 pm
Forum: Personal Consumer Issues
Topic: reading advice for an ambitious woman in her early 20s?
Replies: 32
Views: 3952

Re: reading advice for an ambitious woman in her early 20s?

lostinjersey wrote:Beth Kobliner's book "Get a Financial Life: Personal Finance in Your 20s and 30s" was the Bible for me as a young woman. Highly recommend.


I second this. Great introductory book.
by northstar22
Sat Feb 08, 2014 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Medicare part A/ HSA question
Replies: 11
Views: 718

Re: Medicare part A/ HSA question

Thanks Gerry. It turns out she had the same thought as you, and a couple months ago applied to un-enroll from Medicare A in order to keep her HDHP and HSA. Then we just found out that in order to receive SS benefits you have to be enrolled in Medicare. She's planning on starting receiving ex-spousal...
by northstar22
Fri Feb 07, 2014 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare part A/ HSA question
Replies: 11
Views: 718

Re: Medicare part A/ HSA question

Thank you for the replies!
by northstar22
Fri Feb 07, 2014 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare part A/ HSA question
Replies: 11
Views: 718

Re: Medicare part A/ HSA question

Thanks. Yes, she still works and is planning to work at least until age 70. So her HDHP is through her employer, it is the only no-cost plan they offer. Will this present a problem in the future?
by northstar22
Fri Feb 07, 2014 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare part A/ HSA question
Replies: 11
Views: 718

Re: Medicare part A/ HSA question

Thanks for the response, Spirit Rider. Her start date for medicare was June 1, 2013. She actually kept her HDHP following that (and still has it), just without the HSA contributions.
by northstar22
Fri Feb 07, 2014 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Medicare part A/ HSA question
Replies: 11
Views: 718

Medicare part A/ HSA question

My mom turned 65 in June of last year and enrolled in Medicare part A at that time. Before this she was using a high deductible health plan at work and contributing to an HSA. In January of 2013, knowing that she would be enrolling in Medicare part A in June and would no longer be able to contribute...
by northstar22
Wed Apr 24, 2013 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: WSJ: William Bernstein on bond allocation
Replies: 54
Views: 11581

Re: WSJ: William Bernstein on bond allocation

Dr. Bernstein believes that "bonds are for safety" and promotes using only short-term, high quality bonds. So this quote is not surprising. I find his argument convincing, but there are other respected people who hold different opinions and advocate using some intermediate-term bonds, corp...
by northstar22
Mon Apr 15, 2013 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 17138

Re: harvard med school vs. penn med+full tuition scholarship

Money and rankings and prestige aside, where do you think you'll be happiest? I think this is a huge factor. I turned down less expensive and more prestigious med schools to go where I thought I would have the best experience, and would make the same decision again.
by northstar22
Sat Apr 13, 2013 11:12 am
Forum: Personal Consumer Issues
Topic: Keep Old Car or Buy Newer Used Hybrid
Replies: 28
Views: 2577

Re: Keep Old Car or Buy Newer Used Hybrid

Ask your insurance company how much your monthly premium will go up with a new car. You can probably skip collision and comprehensive with your 92 accord but not with a new car.
by northstar22
Tue Apr 09, 2013 1:59 pm
Forum: Personal Consumer Issues
Topic: A Dilemma About Waist Sizes For Pants
Replies: 79
Views: 12217

Re: A Dilemma About Waist Sizes For Pants

If you want size 35 pants, try looking online. I've bought size 35 banana republic pants that they don't have in the store
by northstar22
Mon Apr 08, 2013 7:28 pm
Forum: Personal Consumer Issues
Topic: San Francisco with kids?
Replies: 39
Views: 2912

Re: San Francisco with kids?

Bring your coats. July is cold in SF. Seriously. Outside the city it is warmer.

"The coldest winter I ever spent was a summer in San Francisco" - Mark Twain
by northstar22
Mon Apr 08, 2013 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my international allocation
Replies: 3
Views: 372

Re: Help with my international allocation

Thanks for the responses, Taylor and sbashore.
by northstar22
Mon Apr 08, 2013 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Help with my international allocation
Replies: 3
Views: 372

Help with my international allocation

I'm looking for a little help with my international asset allocation. My taxable account makes up about 25-30% of my portfolio (currently in cash, because I just recently started making decent money, not because I've decided to invest cash now that we're at market highs), and I'm trying to maximize ...
by northstar22
Sun Apr 07, 2013 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal bonds going forward
Replies: 22
Views: 2376

Re: Municipal bonds going forward

Thanks for the responses so far. I may end up taking noobvestor's advice and keep it in high yield savings for the time being since the time frame is relatively short. It's been great getting so many people's thoughts.
by northstar22
Sun Apr 07, 2013 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement LS [Lump Sum] vs. Waiting for fixed annuity
Replies: 10
Views: 1231

Re: Early Retirement LS [Lump Sum] vs. Waiting for fixed ann

Assuming you are going to get 6% return seems a little optimistic. Not that it can't happen, but to get that you're going to have to invest in risky assets and could wind up negative.

You're not going to find a guaranteed 3% anywhere right now.
by northstar22
Sat Apr 06, 2013 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Municipal bonds going forward
Replies: 22
Views: 2376

Municipal bonds going forward

I have a moderate amount of cash I've been thinking about moving into a municipal bond fund (may be needed in the next year or so, and yes I could stand to lose 10%). My question is, are theoretical risks to the tax-exempt status of municipal bonds already priced into the municipal bond funds, the s...
by northstar22
Tue Apr 02, 2013 11:23 am
Forum: Investing - Theory, News & General
Topic: fixed indexed annuity
Replies: 58
Views: 4367

Re: fixed indexed annuity

I have dealt with this problem. About a year ago my mom was talked into buying an equity indexed annuity with her 401k money (she didn't tell me about it). This was about the time I was discovering the bogleheads, and in the year since I have become her investment advisor and fired the one that sold...
by northstar22
Mon Apr 01, 2013 8:01 pm
Forum: Personal Consumer Issues
Topic: Buying a car for my daughter
Replies: 70
Views: 5675

Re: Buying a car for my daughter

It seems that the BMW would cost $8,000 so the comparison might be to other vehicles that one can get for $8,000 and not to a more expensive Civic or Prius. I agree with this. There's a middle ground between buying a new car (even a Honda) and asking a 16 year old to buy their own car, which usuall...
by northstar22
Tue Mar 26, 2013 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: No home - do I need Umbrella Insurance?
Replies: 19
Views: 2827

Re: No home - do I need Umbrella Insurance?

I'm in a similar situation- relatively high income and negative net worth. I just increased my umbrella to 2 million because of not wanting to expose my future income stream. You do want renter's insurance, not just for your belongings but for liability in your apartment. I read an example once that...
by northstar22
Sat Mar 09, 2013 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend reinvestment strategy
Replies: 4
Views: 1337

Re: Dividend reinvestment strategy

Do you have an IPS? You should have a targeted international allocation and stay the course with it. If you're not comfortable with international, then don't have it or keep it a low percentage, but whatever you do, don't be constantly changing how much international to hold based on your current fe...
by northstar22
Sat Mar 09, 2013 11:55 am
Forum: Personal Consumer Issues
Topic: Do you think Daylight Saving Time is useful to people?
Replies: 30
Views: 1594

Re: Do you think Daylight Saving Time is useful to people?

It seems to me the main benefit is switching daylight from early morning hours (before most people are awake) to early evening hours (when the vast majority of people are awake) so that the daylight can be used for outdoor activities. Countries near the equator have no use for it as they don't have ...
by northstar22
Thu Mar 07, 2013 3:06 pm
Forum: Personal Consumer Issues
Topic: A question about editing Wikipedia
Replies: 12
Views: 621

Re: A question about editing Wikipedia

A bit of a sidenote, but just this morning I was listening to a freakonomics radio podcast ("women are not men") in which they stated that 80-90% of wikipedia editors are men. The hypothesized reason is that women are more uncomfortable with conflict, and there apparently tends to be a lot...
by northstar22
Sat Mar 02, 2013 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth [Deductible or Non-Deductible Contribution?]
Replies: 4
Views: 1323

Re: Backdoor Roth [Deductible or Non-Deductible Contribution

I am in Illinois, so it looks like in my case it's better for me to deduct it so I can get a state tax break out of it, though it's interesting to see all the different options there are. I sure had no idea about the state tax break before, and am going to make sure turbotax gets that right. Thanks ...
by northstar22
Sat Mar 02, 2013 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth [Deductible or Non-Deductible Contribution?]
Replies: 4
Views: 1323

Backdoor Roth [Deductible or Non-Deductible Contribution?]

I make too much to contribute to a Roth, but was not yet eligible for my employer plan in 2012. Normally I would just contribute to a Traditional IRA, but I plan on doing backdoor Roth contributions in 2013 and future years (when I am eligible for my employer plan) so I don't want money in a tIRA (I...
by northstar22
Thu Feb 28, 2013 3:58 pm
Forum: Personal Consumer Issues
Topic: Fun Education- KhanAcademy
Replies: 20
Views: 3116

Re: Fun Education- KhanAcademy

I've been using it lately to learn a little more about the federal reserve. https://www.khanacademy.org/science/cor ... /banking-1
by northstar22
Mon Feb 25, 2013 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: optimal 529 allocation given these fund choices, please
Replies: 3
Views: 483

Re: optimal 529 allocation given these fund choices, please

I don't know that I'm qualified to be giving you advice, bobby, but since I've benefited from your advice (both directly and indirectly) and I like the thread I'll chime in. 40% international is obviously reasonable, and TISM is the best choice you have there. You end up with a 20% small and value t...
by northstar22
Tue Feb 05, 2013 12:33 pm
Forum: Investing - Theory, News & General
Topic: My annual lessons learned talk
Replies: 3
Views: 827

Re: My annual lessons learned talk

Thanks Larry. Very interesting. Also didn't know you had a NY accent. :D
by northstar22
Tue Feb 05, 2013 12:09 pm
Forum: Investing - Theory, News & General
Topic: US Sues S&P
Replies: 19
Views: 1722

Re: US Sues S&P

After reading Michael Lewis' "The Big Short", the only surprising this is that it took this long.
by northstar22
Thu Jan 31, 2013 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Willing to do 6 month interest rate match
Replies: 36
Views: 5553

Re: USAA Willing to do 6 month interest rate match

They must be losing a lot of money to Ally. I just transferred a bunch last week. Still keeping my checking with USAA and have no problems other than their low interest rate.
by northstar22
Fri Jan 04, 2013 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny auto insurance
Replies: 15
Views: 3195

Re: Nanny auto insurance

Thanks for the advice and info to all who posted!
by northstar22
Fri Jan 04, 2013 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to limit monthly spending ?
Replies: 29
Views: 3491

Re: How to limit monthly spending ?

The Dave Ramsey course is great and cheap. (I haven't personally taken it but know several who have).
by northstar22
Thu Jan 03, 2013 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny auto insurance
Replies: 15
Views: 3195

Re: Nanny auto insurance

Thanks! Though still seems there is no great answer. Northstar, I found this site via Google and it offers practical suggestions. Not withstanding this article, your sister should seek a qualified attorney's advice regarding liability issues. m Automobile insurance provides coverage for family membe...
by northstar22
Thu Jan 03, 2013 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny auto insurance
Replies: 15
Views: 3195

Nanny auto insurance

Do any forum members have a nanny that drives your kids around? My sister is in the process of hiring a nanny (all on the books), and is going to hire a service to take care of all the payroll issues. She will also be getting workman's comp insurance and umbrella insurance. The only unresolved issue...
by northstar22
Sat Dec 29, 2012 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help my 64yo mom retire!
Replies: 13
Views: 1640

Re: Help my 64yo mom retire!

I would try and convince her to pay off the credit card and student loans with her savings. Ask her if she would borrow money at 6% interest to invest in taxable. The answer is obviously no. You can't beat a 6% guaranteed return in this market, even with the tax deduction. Then I would refinance the...
by northstar22
Tue Dec 25, 2012 10:23 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1469189

Re: What Book Are You Currently Reading? Part V

The Great Game, the emergence of Wall Street as a world power, 1653-2000 by John Steele Gordon. Excellent blend of history and finance.
by northstar22
Tue Dec 25, 2012 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: End of Year Roth Conversion
Replies: 5
Views: 768

Re: End of Year Roth Conversion

Ok thanks for the clarification.