Search found 190 matches

by sandramjet
Tue Feb 13, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer in-kind between Roth Accounts @ vanguard?
Replies: 6
Views: 319

Re: Transfer in-kind between Roth Accounts @ vanguard?

Both accounts at Vanguard are the newer brokerage accounts. All the funds are Vanguard funds.
(I find it hard to believe as well, which is why I asked )
by sandramjet
Tue Feb 13, 2018 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer in-kind between Roth Accounts @ vanguard?
Replies: 6
Views: 319

Transfer in-kind between Roth Accounts @ vanguard?

I happen to have 2 Roth accounts at Vanguard. Both of them hold a mix of some old individual stocks and various funds. I wanted to "rearrange" things so that one account had only the stocks, while the other account held everything else. I called Vanguard and asked how I could do this, but was told t...
by sandramjet
Fri Feb 09, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 460
Views: 37419

Re: To take or not to take delivery of Tesla 3

Ok, it's not a delay. According to the 2 emails from Tesla, the delivery date was subject to a "adjustment" to a "to a slightly later window". :oops: Originally in Nov of last year, now May of this year. And yes, that is for the first model (extended range with optional equipment) I will note that I...
by sandramjet
Fri Feb 09, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 460
Views: 37419

Re: To take or not to take delivery of Tesla 3

All of these delays make me feel better about "chickening out" and getting a Bolt last year instead of waiting for the m3. I admit, it is no Tesla, but at least I've been able to drive it instead of wondering when my 3 would become available.... :happy
by sandramjet
Thu Jan 25, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade $75 Account Transfer Fee
Replies: 14
Views: 1410

Re: TD Ameritrade $75 Account Transfer Fee

That's actually pretty common. It was what scottrade used to charge, before the acquisition.
by sandramjet
Tue Jan 23, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: Analyzing 292 different ways to generate retirement income, and the winner is...
Replies: 6
Views: 1121

Re: Analyzing 292 different ways to generate retirement income, and the winner is...

Yes, had to google to find it, link does seem broken. But when I read that the conclusion is that the best approach was "to work just enough to pay for living expenses until age 70 in order to enable delaying Social Security benefits." .... I quit reading. I don't want to work longer.
by sandramjet
Sun Jan 14, 2018 12:24 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '8% rule' - Where are they now?
Replies: 40
Views: 6600

Re: Year 2000 retirees using the '8% rule' - Where are they now?

If my parents are any indication, it is true that the discretionary "travel expenses" and so on decreased as they aged. However, from 80 on the increases in the not so discretionary health care area more than made up for that. Certainly now, at 87, with full time live in care, the expenses are the h...
by sandramjet
Fri Jan 12, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 387
Views: 142386

Re: Retiree Portfolio Model

I see that the spreadsheet indicates how many years you are above the Medicare income limits (IRMAA). However, it doesn't look like it does anything with that information (unless, as is quite possible, I missed it). Is it possible that there could be an option to automatically add the additional cos...
by sandramjet
Mon Jan 08, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: New tax plan-62 year old convert to Roth before RMD?
Replies: 31
Views: 2538

Re: New tax plan-62 year old convert to Roth before RMD?

Just run I-ORP to get the best available calculation. (I-ORP has already adjusted for the new tax law.) Should be aware that I-ORP does not model the increase in tax rates 10 years out as mandated by current law. The developer is aware, but I haven't seen anything that indicates it has been incorpo...
by sandramjet
Mon Jan 08, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: New tax plan-62 year old convert to Roth before RMD?
Replies: 31
Views: 2538

Re: New tax plan-62 year old convert to Roth before RMD?

Just run I-ORP to get the best available calculation. (I-ORP has already adjusted for the new tax law.) Should be aware that I-ORP does not model the increase in tax rates 10 years out as mandated by current law. The developer is aware, but I haven't seen anything that indicates it has been incorpo...
by sandramjet
Mon Jan 08, 2018 1:33 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8957

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

Personally, I've often wondered that as well. I usually skip them (I haven't read any of the ones you mentioned). When I do see them, I assume they are some type of "humble brag". But apparently others feel they are at least interesting, so maybe the idea of just grouping them together as you sugges...
by sandramjet
Sun Jan 07, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need $$ in taxable?
Replies: 26
Views: 4133

Re: Do I need $$ in taxable?

I think what the OP is proposing is using the the Roth account to pay operating expenses during the year rather than putting the money in a taxable account and paying expenses from there. Let's say estimated operating expenses for the year are about $50,000. Option 1: Transfer $50,000 from tIRA to ...
by sandramjet
Sat Jan 06, 2018 12:47 am
Forum: Investing - Help with Personal Investments
Topic: Do I need $$ in taxable?
Replies: 26
Views: 4133

Re: Do I need $$ in taxable?

Thanks for the thoughts!
by sandramjet
Fri Jan 05, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need $$ in taxable?
Replies: 26
Views: 4133

Re: Do I need $$ in taxable?

Ok, I guess I wasn't clear in what I am wondering. Basically, the question is there any reason in retirement to have a taxable account. Why not just use a Roth account in lieu of the taxable? Example: Imagine that I have $0. in taxable. All assets are in tIRA accounts. So any money withdrawn from tI...
by sandramjet
Fri Jan 05, 2018 1:38 am
Forum: Investing - Help with Personal Investments
Topic: Do I need $$ in taxable?
Replies: 26
Views: 4133

Do I need $$ in taxable?

I plan to be withdrawing from my tIRA between 60 and 70 when SS kicks in. I'm trying to decide whether I bother to withdraw to my taxable account, or just skip that and go straight to a Roth. That is, since after 59.5 you can withdraw from Roth (which has been open for more than 5 years) penalty fre...
by sandramjet
Thu Jan 04, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: "VB Account Agreement"--Checkwriting? No written orders? What IS this really about?
Replies: 16
Views: 1439

Re: "VB Account Agreement"--is checkwriting on death row? What IS this really about?

Hmmm... I read this somewhat differently, and without so much alarm. I interpret this to mean that if my mutual fund account is converted to a brokerage account, they will honor existing checks for that mutual fund for only 45 days. After that, it will be automatically terminated. And I presume you ...
by sandramjet
Tue Jan 02, 2018 2:39 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 387
Views: 142386

Re: Retiree Portfolio Model

I quickly tried out this version, and haven't checked everything carefully yet. But when I look at the "Results" tab, the chart titled "Marginal Rates" seems to show the old rates (25, 28 percent, etc). Also, maybe it is just because I have to get used to the new look, but I kind of miss the summary...
by sandramjet
Tue Jan 02, 2018 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 387
Views: 142386

Re: Retiree Portfolio Model

Does the tax model include the reversion to the current brackets in ten years back to what they are today?
by sandramjet
Mon Jan 01, 2018 9:42 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 144
Views: 8745

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

2792.12, and I really hope it is much too low!
by sandramjet
Mon Dec 25, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 201
Views: 103061

Re: How to pay ZERO taxes in retirement with 6-figure expenses

Unfortunately, to us the new tax law at best breaks even.... and since (unlike livesoft), nearly all of my income is taxable (either W-2 salary, pensions or tIRA), and no TLH losses (whatever I do have in small taxable accounts show very large gains), we are seemingly on the opposite end of the spec...
by sandramjet
Thu Dec 21, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51073

Re: Tax Bill Omnibus Thread

Anyone know if there are any changes in the deductibility of EE/I bonds used for education (or using proceeds to fund a 529 plan)? Good question - does anyone know? I was hoping to deduct I bond interest in 2018 to fund a 529. I already did so in 2017. Just kinda bumping this because it feels like ...
by sandramjet
Thu Dec 21, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51073

Re: Tax Bill Omnibus Thread

Anyone know if there are any changes in the deductibility of EE/I bonds used for education (or using proceeds to fund a 529 plan)? Good question - does anyone know? I was hoping to deduct I bond interest in 2018 to fund a 529. I already did so in 2017. Just kinda bumping this because it feels like ...
by sandramjet
Wed Dec 20, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51073

Re: Tax Bill Omnibus Thread

Anyone know if there are any changes in the deductibility of EE/I bonds used for education (or using proceeds to fund a 529 plan)?
by sandramjet
Tue Dec 19, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to model my portfolio--but I think I "broke" i-ORP and RPM!
Replies: 8
Views: 897

Re: Trying to model my portfolio--but I think I "broke" i-ORP and RPM!

The README file of the RPM explains that the tool “cannot calculate the taxes on withdrawal of funds containing unrealized capital gains in a taxable account.” But this calculation is crucial in my case for an accurate starting point. As I understand it, this is not quite correct. There is a place ...
by sandramjet
Thu Dec 14, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: How Will Indexers Affect A Downturn---or the functioning of the market in the long-run?
Replies: 30
Views: 3219

Re: How Will Indexers Affect A Downturn---or the functioning of the market in the long-run?

Lately I've been wondering about macro-economic questions that come out of the news that Vanguard had taken in more than its next 8 competitors, a staggering $823 billion (and counting)...as opposed to the piddling $97 billion of the next eight firms. Those numbers, from August, are higher now of c...
by sandramjet
Fri Dec 08, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 387
Views: 142386

Re: Retiree Portfolio Model

What would be your recommendation with regard to looking at Roth conversion scenarios with RPM? My recommendation is to set asset allocation and estimated returns in each account to what the user actually holds and expects in them. I think that will result is a better forecast doing conversions as ...
by sandramjet
Thu Dec 07, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 9009

Re: Growing Number of Electric Vehicles

Let's throw some cold water on the title of this thread. The # of electric vehicles is still small potatoes, miniscule amount compared to number of gasoline/diesel vehicles sold in the US. Here is a picture of the 2017 H1 sales. All EV's combined for the 6 months was a little more than a month of t...
by sandramjet
Thu Nov 23, 2017 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Bucket or Rebalance ?
Replies: 17
Views: 1475

Re: Bucket or Rebalance ?

livesoft wrote:
Thu Nov 23, 2017 8:59 am
I wonder what Richard Thaler says about a cash bucket.
Why should we care what he (or anyone else) says about it? I get that it might not be some theoretical best practice, but as someone else says "there are many roads to Dublin".
by sandramjet
Mon Nov 20, 2017 3:22 pm
Forum: Investing - Theory, News & General
Topic: Using Funded Ratio to drive retirement investment plan - Part 1 of Funded Ratio series
Replies: 116
Views: 14413

Re: Using Funded Ratio to drive retirement investment plan - Part 1 of Funded Ratio series

siamond wrote:
Mon Nov 20, 2017 3:04 pm
Now, if we come to a core definition like I did in my post, then things become mathematically consistent.
What post is that? The link seems to go to just a reply form...
by sandramjet
Wed Nov 08, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do hospitals provide maternity package?
Replies: 6
Views: 575

Re: Do hospitals provide maternity package?

One other possibility for lower cost would be to look for a different approach. We have a friend who just had a baby, but no insurance to cover it. She found it much less expensive to use a local birth center and midwife. Admittedly, she was a low risk pregnancy (the birth center doesn't do any othe...
by sandramjet
Sun Nov 05, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 460
Views: 37419

Re: To take or not to take delivery of Tesla 3

I would "guess" the Bolt with a max. of 50 kW vs. Tesla 120 kW. Would take 2-3X longer with a DC fast charge. Level 2 chargers would be around 7 kW, or around 15x longer. Thanks for the datapoint. Anyone have a sense of how easy it is to find DC fast charge or Level 2 charge stations for Bolt compa...
by sandramjet
Sat Nov 04, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 460
Views: 37419

Re: To take or not to take delivery of Tesla 3

I would "guess" the Bolt with a max. of 50 kW vs. Tesla 120 kW. Would take 2-3X longer with a DC fast charge. Level 2 chargers would be around 7 kW, or around 15x longer. Thanks for the datapoint. Anyone have a sense of how easy it is to find DC fast charge or Level 2 charge stations for Bolt compa...
by sandramjet
Sat Nov 04, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 460
Views: 37419

Re: To take or not to take delivery of Tesla 3

I'd like some input from the folks that own EV's (especially Tesla/Bolt). Here's some of my thoughts: --The more that the model 3 gets delayed, the more likely it is that there won't be a 7.5k credit for it. A Bolt could be bought today with the credit --One of the attractive points (in my opinion) ...
by sandramjet
Sat Nov 04, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Auto Injury / Chiropractor?
Replies: 26
Views: 918

Re: Auto Injury / Chiropractor?

There are some good DOs, but osteopathic manipulation is pseudo-science at best and at worst, can cause strokes or kill. Osteopathic physicians are also more likely to engage in other fraudulent treatments like chelation therapy. And of course, there aren't any fraudulent or bad MD's out there... D...
by sandramjet
Wed Nov 01, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 460
Views: 37419

Re: To take or not to take delivery of Tesla 3

Is it just me or does it seem like every discussion about tesla and whether it is worth it ends up as a back and forth on side issues (like whether Musk is snake oil salesman, whether emissions claims are valid, whether electric cars in general will ever replace gas cars, etc., etc)? The information...
by sandramjet
Sat Oct 28, 2017 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: What is on your Pre and/or Post Retirement Bucket List?
Replies: 23
Views: 2063

Re: What is on your Pre and/or Post Retirement Bucket List?

In no particular order....

1) Climb Mt Fuji as we visit with some of our former exchange students
2) Climb Kilimanjaro
3) Safari
4) Camp around the US/Canada
by sandramjet
Thu Oct 26, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: Career advice: Ok to work as a Commission-Based FA?
Replies: 18
Views: 1470

Re: Career advice: Ok to work as a Commission-Based FA?

Sounds like someone is trying to turn you to the dark side....
by sandramjet
Mon Oct 23, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dividing monies from Trust per the will
Replies: 21
Views: 1798

Re: Dividing monies from Trust per the will

bsteiner wrote:
Mon Oct 23, 2017 10:42 pm
Gill wrote:
Mon Oct 23, 2017 7:57 pm
... The trustee sends out the tax form which is a K-1, not a k9. ...
Might it be a K-9 if it's a pet trust?
Good one! Gotta love it! :D
by sandramjet
Sun Oct 08, 2017 12:41 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 213
Views: 17775

Re: [Prevent mail theft; sign for USPS Informed Delivery]

Generally I've liked this ... get to see what's coming in the mail, usually junk mail. Today I found out one downside ... I got the email and it shows an official looking document from IRS is coming. Then you spend the next few hours racking your brain for what it could be ... and envisioning the wo...
by sandramjet
Fri Oct 06, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 17
Views: 1796

Re: Washington GET 529 Reopened: Good deal?

We dont so far plan to do it as I think there is a good chance our kids will go out of state (especially since i want them to go somewhere warmer so i can visit to escape winter) The deal doesn't seem so good if your kid goes out of state why does it matter where your kids go to school? Agreed... y...
by sandramjet
Mon Oct 02, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: Question on Roth Conversion theory
Replies: 23
Views: 1418

Re: Question on Roth Conversion theory

Whether it is smart or not depends on other things as well, such as if either have existing pre-tax IRA's, etc...
by sandramjet
Fri Sep 29, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: VG ETF settlement dates? is it 1 day? or?
Replies: 12
Views: 657

Re: VG ETF settlement dates? is it 1 day? or?

Yes, this is a "normal" warning... it just says you can't sell the shares you are currently buying BEFORE the previous trade that generated the cashh to buy settles.
by sandramjet
Fri Sep 29, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 47
Views: 4346

Re: Vanguard Brokerage Accounts

Bogleheads - I have a few questions related to the Vanguard Brokerage Accounts otherwise known as the "upgrade" that is noted on the website. Overall How has the new brokerage accounts worked for you? Do you like them better than mutual fund accounts? Dividend Income & Fractional Shares Does a brok...
by sandramjet
Mon Sep 25, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Proposing a standard for asset allocation notation: 60+15/25
Replies: 12
Views: 1454

Re: Proposing a standard for asset allocation notation: 60+15/25

Could I suggest: 60+15/25 That represents a 75% stocks, 25% bonds, with 20% of the stock allocation in international. Maybe I'm a bit slow... but how would I know that 20% of the allocation is international? I don't see a "20" anywhere in there. BTW, what would be wrong with just doing 60/15/25 (US...
by sandramjet
Mon Sep 25, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 12934

Re: Lifestyle Creep

JBTX wrote: For years we are 2 income family and have done a good job of controlling the big expenses - our house is modest for our income and the most we've ever spent on a car is $24 and we tend to run them to the ground.
Wow... I wish I could figure out how to get a car for $24!
by sandramjet
Mon Sep 25, 2017 12:28 am
Forum: Forum Issues and Administration
Topic: How to make a first post?
Replies: 5
Views: 1051

Re: How to make a first post?

I agree with Taylor that I think it should be more obvious. At the very least, if the expectation is that you would go to the FAQ's to find that info, why not put a link to the FAQ's on the home page as well as in the forum pages? Seems like there are a lot of little things that you have to know (or...
by sandramjet
Thu Sep 21, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: IRA to Roth conversion now (age 68) or RMD?
Replies: 29
Views: 2024

Re: IRA to Roth conversion now (age 68) or RMD?

patrick013 wrote:
Wed Sep 20, 2017 7:20 pm
Married filing jointly has a 25% tax rate for AGI between
$75901 and $153100.
I thought brackets were based on taxable income, not AGI?
by sandramjet
Mon Sep 11, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: 24 care home care for family member
Replies: 23
Views: 2597

Re: 24 care home care for family member

Based on our family's experience ... Not cheap, but very doable if you are willing to put time & money into it. Our experience has been very positive, and we have not had any issues with theft, etc. It does take someone in family willing to manage all the care givers (you will need to have more than...
by sandramjet
Mon Sep 04, 2017 9:06 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 431
Views: 69304

Re: Forum software upgrade bug reports and change requests

I use desktop/tablets... not mobile (I'm one of those who still use a flip phone!)
by sandramjet
Mon Sep 04, 2017 5:11 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 431
Views: 69304

Re: Forum software upgrade bug reports and change requests

Apologies if this was covered in earlier posts (i didn't see it)... but the "page numbers" on the main page are no longer shown... so that means I have to click on the first page, then click on the page number to jump to a given page. This seems to be a step backward... requiring more clicks rather ...