Search found 30 matches

by HouseHubby
Mon Sep 22, 2008 11:22 am
Forum: Personal Investments
Topic: Quarterly estimated payments
Replies: 14
Views: 3150

For you military (& US Gov employee) types wondering about excluding income you earned from being stationed overseas, Form 2555 does not apply. RTFM! According to IRS instructions for form 2555: If your only earned income from work abroad is pay you received from the U.S. Government as its employee,...
by HouseHubby
Mon Sep 01, 2008 2:13 pm
Forum: Personal Investments
Topic: Active duty member needs help
Replies: 58
Views: 15890

Nick94 - Been there - done that - wrt First Command, as did my sister. The hardest thing is getting started. I waited too long - should have done it before retiring. Good advice here - but make sure YOU understand what you ought to do. Then ask for asset allocation help. The resources here (http://w...
by HouseHubby
Mon Sep 01, 2008 7:20 am
Forum: Personal Investments
Topic: Comparing 2 Mutual Funds Using Google Charts
Replies: 9
Views: 3410

Please take a look at the Morningstar site and review the data for each fund and the appropriate benchmark. According to M*, "all references to total return represent a fund's gains over a specified period of time. Total return includes both income (in the form of dividends or interest payments) and...
by HouseHubby
Mon Sep 01, 2008 6:39 am
Forum: Personal Investments
Topic: How do you keep track of tax lots?
Replies: 31
Views: 11719

I started out with Quicken in the '80s as I began to DCP into mutual funds. Currently I use MS Money Plus Deluxe and download transactions into it from VG & USAA. The program has a feature that lets you choose specific lots, or FIFO, LILO across multiple holdings to calculate both individual and com...
by HouseHubby
Wed Aug 13, 2008 11:22 am
Forum: Personal Investments
Topic: Roth income guidelines handcuffing me!
Replies: 6
Views: 2191

John - Just a thought? Can either of you contribute to a 401(k) or similar plan? If so, perhaps that will reduce your income to the point where contributing to a Roth is possible.

Cheers - HH
by HouseHubby
Thu Jul 24, 2008 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance - Convert to Extended Term
Replies: 6
Views: 1719

Thanks for the comments. Too bad I couldn't keep the very inexpensive SGLI that I had on active duty!

- HH
by HouseHubby
Mon Jul 21, 2008 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Insurance - Convert to Extended Term
Replies: 6
Views: 1719

Appreciate the comments & the questions for me to consider. Ruprecht: New physical? I did not see anything in the policy mentioning that. It used the phrase, "To continue this Policy as paid-up extended term insurance," to differentiate from continuing as "reduced paid-up insurance." I'm in good hea...
by HouseHubby
Mon Jul 21, 2008 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Insurance - Convert to Extended Term
Replies: 6
Views: 1719

Insurance - Convert to Extended Term

If I had to start over, I would NOT have bought whole life (HS = 20/20). But since I have several small WL policies bought as my income increased, I got to thinking. If I stop paying premiums, I apparently have the option of continuing the policy as paid-up term insurance (face value - anything owed...
by HouseHubby
Tue Jun 03, 2008 9:07 am
Forum: Personal Investments
Topic: Revamping Portfolio for Sister
Replies: 4
Views: 1544

Piper - I thought I'd provide a little feedback. My sister decided to go with a modified index-only approach and has already begun the transfer paperwork with Vanguard and to sell her taxable Fiddelity Advisor funds. It took a few spreadsheets detailing how much her funds were going to cost her in h...
by HouseHubby
Tue Jun 03, 2008 7:07 am
Forum: Personal Investments
Topic: Salon.com - What should we do with our $3 million?
Replies: 13
Views: 3673

Rather challenging to offer a pithy comment without becoming political.

I've got it: "Next-Gen" Clampets. Better stop now!

HH
by HouseHubby
Fri May 30, 2008 7:47 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART II
Replies: 1043
Views: 299271

Just finished "The Boglehead Guide to Investing."

Now that my financial life is in order, I'm currently reading "Beyond Opinion: Living the Faith We Defend" by Ravi Zacharias. A bit deep.
- HH
by HouseHubby
Fri May 30, 2008 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: What *music* are you currently listening?
Replies: 153
Views: 32595

A bit of a mix: Third Day, Jars of Clay, Alison Krauss/Union Station, Maynard Ferguson

HH
by HouseHubby
Wed May 21, 2008 1:48 pm
Forum: Personal Investments
Topic: Revamping Portfolio for Sister
Replies: 4
Views: 1544

PiperWarrior: That was fast! I understand that you are planning to sell those taxable positions with losses. You might consider using them for living expenses while increasing your 457 contributions. This process essentially lets you transfer your taxable money to 457. Doing so should also reduce yo...
by HouseHubby
Wed May 21, 2008 12:29 pm
Forum: Personal Investments
Topic: Revamping Portfolio for Sister
Replies: 4
Views: 1544

Revamping Portfolio for Sister

Greetings (again): I mentioned in an earlier post that I wanted to help my recently retired (military) sister who doesn’t feel good about what she has setup through First Command; doesn’t like the funds’ performance; and doesn’t really understand the fund selection. She does know that she needs to b...
by HouseHubby
Mon May 19, 2008 1:58 pm
Forum: Personal Investments
Topic: Frustration w/ Sister - 457(b) American Funds Load
Replies: 3
Views: 1367

PW - Already checked the web site. Plan info (at least that avail to a non-account holder) makes no mention of loads, only of a .30 plan management fee + the embedded fund expense fees. The link fund propsectus appears to be generic with the standard discussion of the various class types and loads. ...
by HouseHubby
Mon May 19, 2008 9:26 am
Forum: Personal Investments
Topic: Frustration w/ Sister - 457(b) American Funds Load
Replies: 3
Views: 1367

Frustration w/ Sister - 457(b) American Funds Load

My portfolio is almost realigned ( kudos to Piper & company ) - assets transfered - a little more VEU to buy. It feels great!! Just finished the Boglehead's Guide.... Now, I'm trying to help my 45 yr old single sister get her ducks in a row. Basic question first (background on what I want to accompl...
by HouseHubby
Sat May 10, 2008 2:47 pm
Forum: Personal Investments
Topic: Cost Basis - Investor to Admiral Class
Replies: 4
Views: 2005

Does anyone know how to do this in Microsoft MoneyPlus? Mergers & such can only be done by stocks. It seems that changing from a mutual fund into a stock & then doing a merger will do that for all accounts which have that mutual fund. The other alternative is to back out the purchases & substitute t...
by HouseHubby
Mon May 05, 2008 4:55 pm
Forum: Investing - Theory, News & General
Topic: VEU ETF Pricing & Market orders
Replies: 16
Views: 4138

Many thanks for the comments. I asked for the real-time quote after the market closed - my good-for-the-day limit price was not met so my order had been cancelled by then. Not sure if the quote was from an after-market system (I use USAA), but it seemed strange. I will do a more reading/research - t...
by HouseHubby
Mon May 05, 2008 3:40 pm
Forum: Investing - Theory, News & General
Topic: VEU ETF Pricing & Market orders
Replies: 16
Views: 4138

VEU ETF Pricing & Market orders

As I work on rebalancing from scratch - I saw today the perfect reason NOT to use market orders. The last "ASK" price for VEU was $399.99. Last Price 57.83 (ASE) Bid 57.34 (PSE) Bid Size 1 Ask 399.99 (PSE) Ask Size 10 As only a moderately-savy investor (who knows better than to use a market order), ...
by HouseHubby
Fri May 02, 2008 7:18 am
Forum: Personal Investments
Topic: Vanguard Admiral Conversion (what happens if market drops?)
Replies: 6
Views: 2280

Just so I'm clear, since this is a conversion to Admiral shares - there would be NO tax consequenes in do doing so - even if held in a taxable account?

HouseHubby
by HouseHubby
Tue Apr 29, 2008 2:09 pm
Forum: Personal Investments
Topic: Newbie Needs Portfolio Advice
Replies: 6
Views: 1864

Tiz - Oops. Missed that you were already working the SDP. BTW, once you separate, you'll find that you'll miss the tax-free housing allowance.

Thanks for busting your butt for all of us.

HouseHubby/ExNFO
by HouseHubby
Tue Apr 29, 2008 12:46 pm
Forum: Personal Investments
Topic: Newbie Needs Portfolio Advice
Replies: 6
Views: 1864

Tiz - The military also offers a Savings Deposit Program which earns 10% interest while deployed. Following was found at http://www.dfas.mil/army2/investmentoptions/savingsdepositprogramsdp.html (snip) ..... However, the Savings Deposit Program is available only to those serving in designated combat...
by HouseHubby
Mon Apr 21, 2008 10:52 am
Forum: Personal Investments
Topic: Should I sell my American Funds and buy All Index?
Replies: 21
Views: 4969

sound_skeptic: Just a comment from the newbie peanut gallery. I'm in the process of shifting a mix of taxable & tax-advantaged funds to indexed. I reviewed the last couple of years of dividends/interest/cap gain distributions in my taxable funds and compared them with my capital gains from selling t...
by HouseHubby
Tue Apr 15, 2008 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: what does your profile name mean?
Replies: 62
Views: 14298

HouseHubby = my new career.

Sounded better than CinC House or Domestic God.
by HouseHubby
Thu Apr 10, 2008 4:41 pm
Forum: Personal Investments
Topic: Portfolio has too many loose ends
Replies: 14
Views: 3115

PW - Understand - back to the spreadsheets.

Thanks again! -- HH
by HouseHubby
Thu Apr 10, 2008 1:12 pm
Forum: Personal Investments
Topic: Portfolio has too many loose ends
Replies: 14
Views: 3115

Busy forum - already pushed back to the second page! PiperWarrior - When you suggested this portion of the portfolio: Her Rollover IRA (Transfer to Vanguard) 6.28% VIPSX Inflation Protected Securities 7.08% VTSMX Total Stock Market Was there are reason that you didn't use the Total Bond Market Fund...
by HouseHubby
Wed Apr 09, 2008 12:05 pm
Forum: Personal Investments
Topic: Portfolio has too many loose ends
Replies: 14
Views: 3115

PW: How is your asset allocation changing? Are you maintaining more or less the same stocks/bonds allocation? If that's the case, DCA doesn't make much sense. You are just investing in similar securities in a tax efficient way. Overall, I'll be incresaing the bond portion from 9% to 25% (which is wh...
by HouseHubby
Wed Apr 09, 2008 9:15 am
Forum: Personal Investments
Topic: Portfolio has too many loose ends
Replies: 14
Views: 3115

Laura mentioned the non-foreign tax credit status of Total International Stock Index (VGTSX) [a fund of funds doesn't count] in another post - now I understand the choice of VFWIX/VEU FTSE All-World ex-US. Now comes the joy of yanking money from the various accounts (for IRAs will make sure it's a c...
by HouseHubby
Wed Apr 09, 2008 7:34 am
Forum: Personal Investments
Topic: Portfolio has too many loose ends
Replies: 14
Views: 3115

PiperWarrior: As you know, we all like to give our 110% in life! I greatly appreciate your thoughts/suggestions. WRT max'ing out her 401(k), that's an easy fix & one that I've meaning to make happen - particularly as you pointed out that we can use the taxable account adjustments to offset the pay c...
by HouseHubby
Wed Apr 09, 2008 12:13 am
Forum: Personal Investments
Topic: Portfolio has too many loose ends
Replies: 14
Views: 3115

Portfolio has too many loose ends

Greetings. As a recently retired Navy type who swapped bread-winning responsibilities with my wife, I finally decided to wrap my hands around a portfolio that is all over the place. I’ve read Bogle’s Little Investment Book & others which stress the need for asset allocation to mitigate risk as well ...