Search found 54 matches

by RubyTuesday
Mon Feb 05, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 18219

Re: Vanguard site is crashed now?

Ladies and gentlemen who couldn't reach Vanguard: Were we market timing? Shame! :mrgreen: Exactly! Why would you need to do something today in the down market unless you are a MARKET TIMER? That is NOT "staying the course". I think some people on this site really do not buy into the philosophy. Tha...
by RubyTuesday
Mon Feb 05, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 18219

Re: Vanguard site is crashed now?

Ladies and gentlemen who couldn't reach Vanguard: Were we market timing? Shame! :mrgreen: More like market reminding... noticed it was down, thought, hmm did I make my Backdoor Roth yet? Maybe I should make it and look for TLH opportunities today (no TLH for stocks, but small amount to TLH in bonds...
by RubyTuesday
Mon Feb 05, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 18219

Re: Vanguard site is crashed now?

I would bet traffic at Amazon.com was higher today and much higher on cyber Monday, and they didn’t crash. Pretty disappointing that VG can’t handle client traffic.

RT
by RubyTuesday
Mon Feb 05, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 18219

Re: Vanguard site is crashed now?

I was able to get in and make contribution to ira’s and then it went down... pretty disappointing that they can’t handle a little panic trading and calls...
by RubyTuesday
Mon Jan 15, 2018 2:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46222

Re: Roll Call for the Retirement Class of 2018!

Any rule of thumb for retirement needs based on your current pay is pretty useless. There are just too many variables and most are unrelated to previous pay. You need to understand what your expenses will be in retirement. Look at past expenses, think about changes related to retirement (potentially...
by RubyTuesday
Sun Jan 14, 2018 11:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46222

Re: Roll Call for the Retirement Class of 2018!

It’s official, my last day was Friday, Jan 12.

Tomorrow I will sleep In I think.
by RubyTuesday
Wed Nov 29, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 18917

Re: A good friend has nearly $1M in BitCoin what do I tell him?

I went to Vegas in 2007 and talked to my cab driver about the housing boom there at the time. He said his condo was worth over a million dollars (he bought it for $200,000). I told him to sell it, and rent for a while. He said he might sell if it got to $2 million. It didn't. I always wondered what...
by RubyTuesday
Wed Nov 29, 2017 10:00 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46222

Re: Roll Call for the Retirement Class of 2018!

I intend to retire in January, most likely just before my 52nd birthday. I’ve told my boss I’m likely leaving “in the next few months” and suggested if megacorp has another reduction in force to feel free to sever me to save someone else if he likes. Were they to sever me, I would receive the gener...
by RubyTuesday
Tue Nov 28, 2017 10:10 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46222

Re: Roll Call for the Retirement Class of 2018!

Thanks! Though I won’t go in to office from here on out, so no parking lot primal scream for me! Weather permitting, you’ll hear me yell “fore” on my last day! That said, the thought of not working is quite alien to me. I’ve worked almost every day since sophomore of high school. Dad was laid off du...
by RubyTuesday
Mon Nov 27, 2017 7:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46222

Re: Roll Call for the Retirement Class of 2018!

I think I have a date now... January 12.
by RubyTuesday
Fri Nov 24, 2017 1:19 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46222

Re: Roll Call for the Retirement Class of 2018!

I intend to retire in January, most likely just before my 52nd birthday. I’ve told my boss I’m likely leaving “in the next few months” and suggested if megacorp has another reduction in force to feel free to sever me to save someone else if he likes. Were they to sever me, I would receive the genero...
by RubyTuesday
Thu Nov 02, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Cabo San Lucas - question
Replies: 34
Views: 4716

Re: Cabo San Lucas - question

Hi, I am planning to a trip to Cabo San Lucas with my 2 kids (6 and 8) in Dec/Jan. Couple of questions: 1) I am planning to stay 4 days in Cabo (excluding travel time). What are the things that can be done with kids? 2) Can anyone recommend a resort who has stayed there which has a beach access 3) ...
by RubyTuesday
Thu Nov 02, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 19229

Re: 2018 ACA rates now live....

Could this be due to freezing / locking your credit? Maybe unfreeze and re-freeze after identity verification. Of course the 2018 ACA rates are live...and... despite doing all kinds of pre-work over the course of the last two weeks because this is my first time with the ACA...CoveredCA can't freakin...
by RubyTuesday
Thu Nov 02, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 19229

Re: 2018 ACA rates now live....

Naw, not the rate payers, at least not in PA. Insurance companies jacked up the rate of silver plans bought on the exchange. The result is the government paying larger subsidies to the insurance companies. And the unsubsidized silver plan buyers? They will buy silver plans off of the exhange where ...
by RubyTuesday
Tue Oct 10, 2017 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp Plan (409A) Payments - earned income?
Replies: 5
Views: 600

Re: Deferred Comp Plan (409A) Payments - earned income?

Thanks I’ll definitely check with a tax accountant.

And whether you leave or stay you get single lump sum. If you leave as retiree, they may follow payment instructions, though not clear (I haven’t confirmed as I am too young to be eligible).
by RubyTuesday
Mon Oct 09, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp Plan (409A) Payments - earned income?
Replies: 5
Views: 600

Deferred Comp Plan (409A) Payments - earned income?

My company is terminating my non-qualified deferred comp plan, and rather than a series of 5 annual payments that I expected to be receiving (after termination), I will be receiving a single taxable lump sum - whether I’m still employed or not. This will mean all this will be taxed at highest margin...
by RubyTuesday
Thu Feb 23, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 4678

Re: Ethical dilemma involving birthdays and wine..

Funny related story.... Last year I ordered some 9mm ammunition and it arrived near my birthday. So I came home to find 1000 rounds of 9mm ammunition on my porch in a box clearly marked as containing ammo, along with a UPS info notice stating that someone over the age of 21 would need to be home for...
by RubyTuesday
Thu Feb 23, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 4678

Re: Ethical dilemma involving birthdays and wine..

Doom&Gloom wrote:I think your wife is a wise woman.
She's a good judge of character at least!
by RubyTuesday
Thu Feb 23, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 4678

Ethical dilemma involving birthdays and wine..

So 8 years ago I sold a small business. Before selling, we used a firm to provide a SIMPLE IRA retirement benefit to our employees. This was before I began reading bogleheads fwiw. Once I sold the business, I educated myself on investing and found the BH site and no longer have any relationship with...
by RubyTuesday
Tue Feb 21, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to Split Pension
Replies: 58
Views: 5791

Re: How to Split Pension

Not an ERISA lawyer, nor an actuary, but I believe the a qualified plan has to have the qualified joint and survivor payment form as the highest actuarial value. The plan should be required to tell you the relative values. Take into account any health issues you know about in your or your families' ...
by RubyTuesday
Thu Feb 09, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 11448

Re: Saved too much? What do you splurge on?

For about $3,400 you can save a life. Can you imagine how good you would feel if you could tell stories about how you jumped into a shallow pool of water, ruining your best suit, to save the life of a child? Well you could have one or more of these stories every year! Very satisfying to use your goo...
by RubyTuesday
Sun Feb 05, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Increased deferrals into NQ deferred comp, use taxable to pay off our house or pay monthly expenses?
Replies: 4
Views: 580

Re: Increased deferrals into NQ deferred comp, use taxable to pay off our house or pay monthly expenses?

Thanks Dale. I'm pretty late in my working years as well and anticipating nice tax arbitrage.

Where do you think I would find info on whether there's any kind of spring trust? plan docs?
by RubyTuesday
Sat Feb 04, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Increased deferrals into NQ deferred comp, use taxable to pay off our house or pay monthly expenses?
Replies: 4
Views: 580

Re: Increased deferrals into NQ deferred comp, use taxable to pay off our house or pay monthly expenses?

I guess another consideration is that the NQ plan is an unsecured promise and if company goes bankrupt may not be paid.

RT
by RubyTuesday
Sat Feb 04, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Increased deferrals into NQ deferred comp, use taxable to pay off our house or pay monthly expenses?
Replies: 4
Views: 580

Increased deferrals into NQ deferred comp, use taxable to pay off our house or pay monthly expenses?

In the past, I didn't really participate in my company's non qualified def comp plan because it reduced the eligible comp used to accrue pension benefits. Now they froze the pension, so I've decided to defer 40% of my base salary going forward. This significantly lowers my take home pay, so will hav...
by RubyTuesday
Fri Feb 03, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Milestone and gotta tell someone
Replies: 61
Views: 7633

Re: Milestone and gotta tell someone

Wow, thanks for all the kind and encouraging words everyone! It feels really great. I remember getting the mortgage under 6 figures after 13 years of payments and then we took out over a 100K for an addition and it was a bummer when the balance was went up to just below 200K. Then came the PenFed 5...
by RubyTuesday
Fri Feb 03, 2017 5:48 pm
Forum: Investing - Theory, News & General
Topic: Stock Investors -- Wrong Again.
Replies: 33
Views: 6563

Re: Stock Investors -- Wrong Again.

I'm not sure what that means either. Every transaction other than new issues is both a buy and sell, no? This is just a guess, but I wonder if one buyer brought from 10 sellers, if they would count that as 1 buy and 10 sales, regardless of the number of shares involved. No, it would be booked as 10...
by RubyTuesday
Thu Feb 02, 2017 9:52 pm
Forum: Investing - Theory, News & General
Topic: Just watched Warren Buffett's new HBO Documentary
Replies: 50
Views: 8334

Re: Just watched Warren Buffett's new HBO Documentary

He did exceptionally well for a long time, but has trouble beating market now even though arguably he gets sweetheart deals. IMO, he was very good, but also lucky. Given the number of investors, hedge fund managers, etc, over the same time period, just based on normal distribution of returns, you wo...
by RubyTuesday
Thu Feb 02, 2017 7:36 pm
Forum: Investing - Theory, News & General
Topic: Stock Investors -- Wrong Again.
Replies: 33
Views: 6563

Re: Stock Investors -- Wrong Again.

I'm not sure what that means either. Every transaction other than new issues is both a buy and sell, no?
by RubyTuesday
Thu Feb 02, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Employer denying HSA to eligible employee
Replies: 35
Views: 4424

Re: Employer denying HSA to eligible employee

Back to the OP's question, I think the employer FICA savings and maybe an appeal to fairness or precedent set in previous years are your arguments.

Good luck
RT
by RubyTuesday
Thu Jan 26, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: How to fix trainwreck of a portfolio?
Replies: 18
Views: 2187

Re: How to fix trainwreck of a portfolio?

Do you have any earned income that is not excluded by the Foreign Earned Income Exclusion (FEIE) and the Foreign Housing Exclusion (FHE)? If you do you would likely be eligible to contribute to an IRA. If so, could you contribute stock in-kind to an IRA? At any rate, I would not let the tax tail wag...
by RubyTuesday
Wed Jan 18, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard brokerage: Funds available to trade
Replies: 15
Views: 3818

Re: Vanguard brokerage: Funds available to trade

Yeah why do you think it appears thiat you cannot, did you try? I had similar situation when I converted tIRA to Roth. I had funds avail to trade and a credit, but that cash was not in Roth settlement account. I was able to buy a mutual fund (within this Roth) with the funds avail to trade. Also, so...
by RubyTuesday
Mon Jan 09, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 39116

Re: Chase Sapphire Reserve

We have $8k to spend... planning on prepaying some things as suggested and the buying wine for the balance. That's something I know we'll use and buying in advance only helps with the expense. :beer
by RubyTuesday
Sun Jan 08, 2017 4:20 pm
Forum: Investing - Theory, News & General
Topic: 300,000 value in 5 years
Replies: 13
Views: 1875

Re: 300,000 value in 5 years

STRIPS maturing in 5 years are yielding about 2% I think. Probably better deals on CDs, just check the early withdrawal penalty.
by RubyTuesday
Thu Nov 24, 2016 9:34 am
Forum: Personal Consumer Issues
Topic: What IS this? Salad tongs for elves?
Replies: 63
Views: 9924

Re: What IS this? Salad tongs for elves?

Could it be to hold a cedar ball in a closet?
by RubyTuesday
Tue Nov 22, 2016 8:43 am
Forum: Investing - Theory, News & General
Topic: DFA vs Vanguard (I know, I know)
Replies: 34
Views: 6151

Re: DFA vs Vanguard (I know, I know)

Ruby The size matters but only in very small stocks, not in large stocks or even midcaps so much. But SV matters a lot because it is a tiny corner of the market and funds with large assets run into problems of owning too large a share of a company's stock and even if that was not an issue their tra...
by RubyTuesday
Tue Nov 22, 2016 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Pre-tax Retirement Accounts and Pensions in Networth
Replies: 37
Views: 4730

Re: Pre-tax Retirement Accounts and Pensions in Networth

I track two values for net worth; one without pension and then occasionally, I will check the value with the pension. I know the minimum monthly or annual income I am assured in my pension and I look up the value of a comparable annuity to deliver that. I'm not following. Do many pensions out there...
by RubyTuesday
Tue Nov 22, 2016 8:18 am
Forum: Investing - Theory, News & General
Topic: DFA vs Vanguard (I know, I know)
Replies: 34
Views: 6151

Re: DFA vs Vanguard (I know, I know)

But with that said, Vanguard is a behemoth and has even greater problems than DFA whose size now can be a hindrance in certain asset classes. Size prevents you from getting very high loadings on some factors. That's why we use Bridgeway now for US small value. DFA just too big with $14b in US small...
by RubyTuesday
Tue Nov 22, 2016 8:01 am
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 27184

Re: Why are bonds dropping? They are supposed to be safe.

Held to maturity, would they not be stable in terms of real purchasing power, at least for the basket of items in CPI-u? Yes. That's an old discussion about the general idea of deciding to ignore interest rate risk in bonds by imposing the further condition that the bond will not be sold before mat...
by RubyTuesday
Mon Nov 21, 2016 8:30 am
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 104
Views: 10313

Re: Fountain Pens - Do you use one?

Actually I can't for the life me remember what people did do about fountain pens when traveling. The airlines told you not to bring them onboard. It would have been even worse in the luggage since the luggage compartments weren't pressurized. What did people do? Did people empty the pen as best the...
by RubyTuesday
Mon Nov 21, 2016 8:21 am
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 104
Views: 10313

Re: Fountain Pens - Do you use one?

I have 4 fountain pens, but only use them occasionally now. Mine are a pretty nice Sailor, a pretty nice Pelican, a classic Lamy, and an inexpensive Lamy. I just don't write often enough now to justify using one as the tip dries up and I have to work with it to keep it working well. And then refilli...
by RubyTuesday
Sun Nov 20, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 27184

Re: Why are bonds dropping? They are supposed to be safe.

You are mistaken. Bond prices fluctuate for any variety of reasons. After inflation, CDs, savings accounts, and money market funds also fluctuate in value, as does currency under the mattress. A truly stable valued asset does not exist. Sure it does. As Bogle taught you can have stable income (bond...
by RubyTuesday
Sun Nov 20, 2016 8:44 am
Forum: Investing - Theory, News & General
Topic: Private lending question
Replies: 9
Views: 1264

Re: Private lending question

let's say there's a 50/50 chance you are paid versus they default (adjust this as you like). And let's assume valuethinker is correct that the alternative is 5% long term return for 30 years. And you should think of this as a risky asset, so comparing to equity makes most sense. The likely long term...
by RubyTuesday
Sun Nov 20, 2016 8:11 am
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 27184

Re: Why are bonds dropping? They are supposed to be safe.

I've read the explanations about why I should not worry that my short term bond fund is worth less than it was a year ago ... can't help being disgusted. This is not what what the "safe" part of my portfolio is supposed to do! I'll probably have to use CDs to avoid this turbulence. ... ...Would you...
by RubyTuesday
Sat Nov 19, 2016 1:25 pm
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 27184

Re: Why are bonds dropping? They are supposed to be safe.

You are mistaken. Bond prices fluctuate for any variety of reasons. After inflation, CDs, savings accounts, and money market funds also fluctuate in value, as does currency under the mattress. A truly stable valued asset does not exist. Sure it does. As Bogle taught you can have stable income (bond...
by RubyTuesday
Sat Nov 19, 2016 11:33 am
Forum: Investing - Theory, News & General
Topic: Highly compensated Employee
Replies: 41
Views: 6389

Re: Highly compensated Employee

Perhaps your wife's employer will (or does) offer a non-qualified plan to make up this inability to defer. Other hce's including execs are facing same issue.
by RubyTuesday
Sat Nov 19, 2016 8:07 am
Forum: Investing - Theory, News & General
Topic: fourth in series on low priced stocks
Replies: 1
Views: 543

Re: fourth in series on low priced stocks

Really interesting article Larry, thanks again. Looking forward to your upcoming article on building a factor based portfolio.
by RubyTuesday
Fri Nov 18, 2016 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Income In Roth IRA
Replies: 18
Views: 2349

Re: Fixed Income In Roth IRA

Therefore, how are you going to "achieve exactly the same wealth after tax" by putting lower expected return assets in your Roth account? If the two portfolios have the same tax adjusted AA, you end up at the same place, because it's just math... Have you actually gotten out a piece of paper or spr...
by RubyTuesday
Fri Nov 18, 2016 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Income In Roth IRA
Replies: 18
Views: 2349

Re: Fixed Income In Roth IRA

Therefore, how are you going to "achieve exactly the same wealth after tax" by putting lower expected return assets in your Roth account? If the two portfolios have the same tax adjusted AA, you end up at the same place, because it's just math... Have you actually gotten out a piece of paper or spr...
by RubyTuesday
Tue Nov 15, 2016 4:37 am
Forum: Investing - Theory, News & General
Topic: Muni bonds are getting killed. Are you bailing out?
Replies: 88
Views: 16966

Re: Muni bonds are getting killed. Are you bailing out?

Will be pretty happy to see yields finally start moving up a bit.