Search found 497 matches

by SpideyIndexer
Thu Jan 23, 2020 4:05 pm
Forum: Investing - Theory, News & General
Topic: New Navy Federal CU Certificate Offering
Replies: 7
Views: 1421

Re: New NFCU Certificate Offering

Latest "deal" I see is a 37 month Certificate for IRA/ESA at 3%, max of $150K, allows money to be added. Limited to one per member. This could worthwhile for the fixed income portion of a retirement account, however its $150K cap is likely not a large percentage of one's retirement savings. The 12 m...
by SpideyIndexer
Sat Jan 11, 2020 5:23 pm
Forum: Personal Investments
Topic: Assisting Parent with Dementia
Replies: 25
Views: 3331

Re: Assisting Parent with Dementia

Can anyone recommend any references on this subject? There so many dimensions, from how to converse with persons not living in the real world to living care to financial and legal. The financial is probably the easiest to understand. Legal can get complicated if Rep Payee status is required by some ...
by SpideyIndexer
Tue Dec 31, 2019 7:47 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2670
Views: 493629

Re: What are you up YTD? [Year To Date]

Is there a way to get VG to calculate this? If I look at personal rate of return, it will not display if I select YTD. If I select 1 Yr, it doing it on Dec 31 gives me October to October.
by SpideyIndexer
Mon Dec 30, 2019 4:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Website not Working Right
Replies: 54
Views: 3987

Re: Vanguard Website not Working Right

Another issue. Just tried to print a report from Portfolio Watch for the first time in ages. Website says I must create a report then print it. I click the button "Create Report" and screen refreshes and the same screen is displayed.
by SpideyIndexer
Mon Dec 30, 2019 2:05 am
Forum: Investing - Theory, News & General
Topic: Fidelity Full View: Asset Allocation
Replies: 7
Views: 2748

Re: Fidelity Full View: Asset Allocation

I use the "Guided Portfolio Summary" or GPS tool at Fidelity. Have you tried it? I guess you have as it is under the Analysis tab. I have entered assets manually and not via Full View. There is a bug in the tool in that if you enter the same ticker twice, it ignores any but the first one. So if you...
by SpideyIndexer
Fri Dec 27, 2019 1:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website not Working Right
Replies: 54
Views: 3987

Re: Vanguard Website not Working Right

Ok, the incognito window worked. Jeez.
by SpideyIndexer
Fri Dec 27, 2019 1:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website not Working Right
Replies: 54
Views: 3987

Re: Vanguard Website not Working Right

I found how to delete cookies and site data on Chrome. However after doing so, I still cannot get to the information about Vanguard's investment products. This is quite frustrating.
by SpideyIndexer
Thu Dec 26, 2019 11:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Website not Working Right
Replies: 54
Views: 3987

Re: Vanguard Website not Working Right

I know how to clear cookies but not site data.

Yes have a big problem getting etf and fund data on Chrome. This is the first time I logged in for a couple of weeks. Very annoying, will call and complain.
by SpideyIndexer
Mon Dec 16, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone been able to execute a Power of Attorney with Vanguard?
Replies: 54
Views: 5468

Re: Has anyone been able to execute a Power of Attorney with Vanguard?

Identity theft would be easier once bad guys get their hands on account statements. Seems like it would be prudent when POA is granted in the case of incapacity to stop account statements from being mailed.

Apparently it is still possible but requires a notarized LoI.
by SpideyIndexer
Sun Dec 15, 2019 2:19 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone been able to execute a Power of Attorney with Vanguard?
Replies: 54
Views: 5468

Re: Has anyone been able to execute a Power of Attorney with Vanguard?

Oddly enough, the agent authorization does not allow the agent to stop paper statements from being sent by mail. I seems the only way is to use the outside POA which is limited to one action at a time.
by SpideyIndexer
Thu Dec 12, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: when in TY to perform Roth conversions
Replies: 5
Views: 484

when in TY to perform Roth conversions

I will be fully retired starting next year and will not yet be taking Social Security payments. My plan is to make Roth conversions up to a particular IRMAA threshold tbd. I haven't seen much discussion of when in the tax year to do the conversion(s). To get the most bang for the buck, one wants to ...
by SpideyIndexer
Sat Nov 30, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Durable Power of Attorney: Implementation Report
Replies: 60
Views: 5604

Re: Durable Power of Attorney: Implementation Report

Has anyone activated a DPOA at T.R. Price?

Going through the process with two investment firms and several annuity firms. They seem to be much more of a hassle than banks have been.
by SpideyIndexer
Mon Nov 18, 2019 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone been able to execute a Power of Attorney with Vanguard?
Replies: 54
Views: 5468

Re: Has anyone been able to execute a Power of Attorney with Vanguard?

Anything new about this? What is considered a one time use? Making oneself an agent once would be sufficient.
by SpideyIndexer
Sat Oct 12, 2019 11:32 am
Forum: Investing - Theory, News & General
Topic: “Upgrading” a regular Vanguard taxable account to a brokerage account
Replies: 18
Views: 2245

Re: “Upgrading” a regular Vanguard taxable account to a brokerage account

It have been thinking about this. If I already have a Vanguard brokerage account, would I just have the mutual fund holdings moved to the existing brokerage account? Or must it be a newer type of brokerage account which can contain both mutual fund and equity holdings? Is there any negative with mov...
by SpideyIndexer
Tue Oct 08, 2019 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: checking Amazon Store Card billings
Replies: 10
Views: 1007

Re: checking Amazon Store Card billings

Thanks for the tip about the "View Invoice." That does clearly show what the cc is billed!
by SpideyIndexer
Tue Oct 08, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: checking Amazon Store Card billings
Replies: 10
Views: 1007

Re: checking Amazon Store Card billings

Thanks for the above. But I want to "balance" things, in other words compare what Amazon billing Synchrony to what I ordered and expected to be charged. The way Amazon presents my orders is somewhat confusing. Orders for several items show up as a total, but then when I drill down the order is broke...
by SpideyIndexer
Tue Oct 08, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: checking Amazon Store Card billings
Replies: 10
Views: 1007

checking Amazon Store Card billings

I feel stupid bringing this up, but is seems rather complicated to check the accuracy of the bills for my Amazon Store credit card. Can one easily find the debits on Amazon's sites?
by SpideyIndexer
Wed Aug 28, 2019 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Shopping insurance? How often?
Replies: 18
Views: 1387

Re: Shopping insurance? How often?

I see my umbrella premium increased close to 7%. I suppose umbrella premiums tend to increase with age.
by SpideyIndexer
Wed Aug 28, 2019 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Shopping insurance? How often?
Replies: 18
Views: 1387

Re: Shopping insurance? How often?

So how much rate creep do people see? I have Farmers, and looking into my Homeowner's, I see the coverage limits increased 5.5% this year while the premium increased 8.7%. I will go back a few years to see how bad the difference looks. I complained to my agent who replied that the 2018 wildfires con...
by SpideyIndexer
Wed Aug 21, 2019 11:12 am
Forum: Investing - Theory, News & General
Topic: Living Off Your Portfolio
Replies: 5
Views: 1465

Living Off Your Portfolio

Funny, doing a search I can't find threads on the details of living off one's investment portfolio in retirement. Liquidate a portion annually? Park some in a savings account or short term CD? (bucket)? Any comments on the details from you folks out there? I have the McClune book which I find incred...
by SpideyIndexer
Wed Aug 07, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can I run TurboTax 2018 without updating?!
Replies: 17
Views: 1524

Re: Can I run TurboTax 2018 without updating?!

I don't understand why you would not want the latest update. In the very rare case that it changes your 2018 results, it means you probably have errors in your submitted return. This at least lets you know you will probably be hearing from the IRS. Of course, I doubt your 2018 tax forms will be aff...
by SpideyIndexer
Wed Aug 07, 2019 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Can I run TurboTax 2018 without updating?!
Replies: 17
Views: 1524

Re: Can I run TurboTax 2018 without updating?!

Otherwise it seems to me like you could just reinstall the software to get the old version (and then block that one from connecting to the internet). That would be an old version, but not likely the one the OP used to file the taxes (which had some updates applied). Yes, you are correct in that.
by SpideyIndexer
Tue Aug 06, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can I run TurboTax 2018 without updating?!
Replies: 17
Views: 1524

Re: Can I run TurboTax 2018 without updating?!

Have you done this recently? Today, when I try to run the version of TT 2018 that I used to file my return, I am not given an option to continue without updating. The popup just says "Let's Install These Updates." I can either select Update or close the popup. I had a loooong discussion with TT supp...
by SpideyIndexer
Tue Aug 06, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can I run TurboTax 2018 without updating?!
Replies: 17
Views: 1524

Can I run TurboTax 2018 without updating?!

I am trying to run TT for last year without updating. I can't seem to figure out how to do it. I want to do some tax planning for TY 2019 for which the updated version is probably ok. But I would rather not take of chance of new updates interfering with my display of my filed 2018 return. Has anyone...
by SpideyIndexer
Fri Jul 26, 2019 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you move to?
Replies: 130
Views: 10382

Re: Where would you move to?

My must-haves would be LCOL for a nice house with a great view, no hot muggy summers, proximity to hiking, kayaking etc, musical activites (listening and playing), medical care, an airport, water nearby (either lakes or ocean), light traffic. So it seems I need to be on the fringes of a medium sized...
by SpideyIndexer
Sat Jul 20, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Take the cash or the free dinner?
Replies: 72
Views: 6767

Re: Take the cash or the free dinner?

I've been to an annuity pitch dinner, not painful at all and was recently invited to another from the same firm. It was a nice dinner (no drinks included) but I'm sure cost them much less than the $200 per person or even per couple. The chosen starting/ending dates of the time frame were one big log...
by SpideyIndexer
Sat Jul 20, 2019 11:08 am
Forum: Personal Investments
Topic: AA for 529 accounts sanity check
Replies: 5
Views: 738

Re: AA for 529 accounts sanity check

Thanks for the comments. I tweaked the two with the shortest time horizons more slight more conservative. The time horizons are actually pessimistic since they assumed full college costs hit immediately after the kids graduate from high school. The more likely scenario will be low-cost community col...
by SpideyIndexer
Tue Jul 16, 2019 5:02 pm
Forum: Personal Investments
Topic: AA for 529 accounts sanity check
Replies: 5
Views: 738

Re: AA for 529 accounts sanity check

Time Horizon % Stock Funds % Bond Funds % FDIC Insured to College 2 30 62 8 6 49 51 0 11 56 44 0 Sorry, am having difficulties typing things into a table and having either spaces or tabs recognized. Time horizon is years, other numbers are percent.
by SpideyIndexer
Tue Jul 16, 2019 4:56 pm
Forum: Personal Investments
Topic: AA for 529 accounts sanity check
Replies: 5
Views: 738

AA for 529 accounts sanity check

We have a few 529's for family members. I adjust the asset allocation every year or so to be more conservative. Here is a current snapshot: Time Horizon % Stock Funds % Bond Funds % FDIC Insured to College 230 62 8 6 49 51 0 11 56 44 0 Bond funds are a mix of short term and total bond market. Does i...
by SpideyIndexer
Tue Jun 18, 2019 11:33 am
Forum: Investing - Theory, News & General
Topic: SCV tilt advocates, please suggest a percentage for me to use in a backtest
Replies: 31
Views: 2099

Re: SCV tilt advocates, please suggest a percentage for me to use in a backtest

If you simply backtest, you'll probably rediscover that best is 100% SCV for maximizing return, or something like 60% SCV / 40% long term treasuries for tempering return with lower volatility. But hindsight is always 20 /20. Few of us expect the stock and bond markets to exactly repeat past results....
by SpideyIndexer
Mon May 13, 2019 8:13 pm
Forum: Investing - Theory, News & General
Topic: Asset Location
Replies: 11
Views: 1704

Re: Asset Location

I think tax impact is clearly a consideration in asset location - but I am not sure allowing tax tail wagging the investment dog makes a lot of sense. Some people have large taxable accounts and investing all of that in stocks may throw their AA out of kilter. So for me, AA first taxes next - quite...
by SpideyIndexer
Wed May 01, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Asset Protection - ERISA and Rollover IRA
Replies: 19
Views: 2006

Re: Asset Protection - ERISA and Rollover IRA

Thanks, SpiritRider. The "creditor protection" term has been confusing since other references discuss it being related to transactions between a creditor and a borrower in the case of a loan. I didn't realize that anyone to whom I own money would be considered my creditor.
by SpideyIndexer
Wed May 01, 2019 2:46 am
Forum: Personal Finance (Not Investing)
Topic: Asset Protection - ERISA and Rollover IRA
Replies: 19
Views: 2006

Re: Asset Protection - ERISA and Rollover IRA

I am trying to learn about this subject. Does ERISA asset protection shield assets from legal judgments? If yes, can the assets still be seized when the 401(k) or rollover IRA has distributions? An IRA does not have ERISA protection, even if it was a rollover from an ERISA plan. Creditor protection...
by SpideyIndexer
Tue Apr 30, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Asset Protection - ERISA and Rollover IRA
Replies: 19
Views: 2006

Re: Asset Protection - ERISA and Rollover IRA

I am trying to learn about this subject. Does ERISA asset protection shield assets from legal judgments? If yes, can the assets still be seized when the 401(k) or rollover IRA has distributions?
by SpideyIndexer
Mon Apr 29, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Personal liability issues as a result of hiring uninsured & unlicensed handyman
Replies: 38
Views: 5349

Re: Personal liability issues as a result of hiring uninsured & unlicensed handyman

Not trying to criticize anyone, including myself, but boy is the entire subject of liability a can of worms. There seems to be a long tail of possibility of being held liable for damages so I am finding it difficult to determine what is reasonable in terms of hiring workers or even how much insuranc...
by SpideyIndexer
Mon Apr 29, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Personal liability issues as a result of hiring uninsured & unlicensed handyman
Replies: 38
Views: 5349

Re: Personal liability issues as a result of hiring uninsured & unlicensed handyman

I am wrestling with this. Regarding a worker hurting oneself, they can only collect if a court finds you negligent, i.e. at fault. It's hard to understand one would be at fault for a roofer falling off one's roof for example. For the case of a tree trimmer damaging a fence or a neighbor's house or c...
by SpideyIndexer
Thu Apr 25, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 77
Views: 11041

Re: New Washer - Frontload or HE Top Load

We bought a HE Samsung top loader a couple years ago and hate it. It just doesn't use enough water to get the clothes clean and smelling fresh.

Our Kenmore gas dryer is still chugging along. I've done a few repairs on it myself.
by SpideyIndexer
Thu Apr 04, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions - Estimating Future Tax Rates
Replies: 47
Views: 3094

Re: Roth Conversions - Estimating Future Tax Rates

FYI, my comment about modelling the pre-TCJA situation was to do so for retirement to look at the taxation rate on the top of RMDs for the case of no Roth conversion. This would likely be different than looking at your 2017 tax return.
by SpideyIndexer
Thu Apr 04, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions - Estimating Future Tax Rates
Replies: 47
Views: 3094

Re: Roth Conversions - Estimating Future Tax Rates

It seems to me the only way to assume of "no change to tax laws" is to assume that TCJA tax rates will end in 2025. Otherwise you would be counting on a new bill getting passed, right? For the sake of a sensitivity analysis, it could be useful to also run the numbers for a renewal of TCJA. I see yo...
by SpideyIndexer
Wed Apr 03, 2019 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions - Estimating Future Tax Rates
Replies: 47
Views: 3094

Re: Roth Conversions - Estimating Future Tax Rates

My current strategy (pretty simplistic) is to simply use the latest tax rates (e.g. 2018 Fed and State Taxes) for all of my future year predicted income. I s there a better way? Options: 1. Revert back to the pre TCJA rates in 2026 and onwards? 2. Adjust Tax brackets for inflation? 3. Use current T...
by SpideyIndexer
Wed Apr 03, 2019 2:04 am
Forum: Personal Investments
Topic: Confused on how much I can contribute to an HSA this year
Replies: 14
Views: 1387

Re: Confused on how much I can contribute to an HSA this year

You will have to pro-rate the contribution, so you will be allowed 3500*9/12 = $2625.
by SpideyIndexer
Tue Mar 26, 2019 12:01 pm
Forum: Personal Investments
Topic: Mulling Roth Investments: Thoughts on Future Tax Rates
Replies: 25
Views: 1721

Re: Mulling Roth Investments: Thoughts on Future Tax Rates

Keep in mind that Roth, "taxed going in" means taxed at your current marginal rate And any future traditional contributions will also be taxed when withdrawn at the future marginal rate. <snip> Maybe I'm missing something. Suppose I'm retired, no W2 income, no SS, no pension and I withdraw $100K fr...
by SpideyIndexer
Tue Mar 26, 2019 12:01 pm
Forum: Personal Investments
Topic: Mulling Roth Investments: Thoughts on Future Tax Rates
Replies: 25
Views: 1721

Re: Mulling Roth Investments: Thoughts on Future Tax Rates

Keep in mind that Roth, "taxed going in" means taxed at your current marginal rate And any future traditional contributions will also be taxed when withdrawn at the future marginal rate. <snip> Maybe I'm missing something. Suppose I'm retired, no W2 income, no SS, no pension and I withdraw $100K fr...
by SpideyIndexer
Wed Mar 20, 2019 10:21 pm
Forum: Personal Investments
Topic: Zero Qualified Dividend bracket vs. Roth Conversion - Decision Help
Replies: 13
Views: 1013

Re: Zero Qualified Dividend bracket vs. Roth Conversion - Decision Help

First of all, it is a tricky analysis and extremely difficult within having a perfect crystal ball. BTW if you know where to find one, please let me know. I suppose a true Boglehead projection would assume no addition tax reform bills are passed, i.e. existing tax reform will expire in 2025 As much ...
by SpideyIndexer
Wed Mar 20, 2019 12:53 am
Forum: Personal Finance (Not Investing)
Topic: 2018 tax return gotcha or double-check suggestion
Replies: 5
Views: 957

Re: 2018 tax return gotcha or double-check suggestion

Depends on your state of residence but some of us have to take itemized deductions on the Fed even if below the standard deduction, becuase you would pay more on the state return without itemized deductions. You are implying taking the standard deduction for federal taxes locks you into doing same ...
by SpideyIndexer
Tue Mar 19, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 tax return gotcha or double-check suggestion
Replies: 5
Views: 957

Re: 2018 tax return gotcha or double-check suggestion

You don’t have to deduct the tIRA. I know I have a choice to call the contribution deductible or non-deductible. I had a separate thread about that that and the consensus was it made little difference. If had anticipated the additional earned income I may have waited to do the conversion in 2019 bu...
by SpideyIndexer
Tue Mar 19, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 tax return gotcha or double-check suggestion
Replies: 5
Views: 957

2018 tax return gotcha or double-check suggestion

With the latest tax reform, anything in particular I should double-check or do that I hadn't been doing? One thing different for me than the past several years is that rather than made a non-deductible tIRA contribution and convert it to a Roth (e.g. backdoor), my tIra contribution was turned out to...
by SpideyIndexer
Sun Mar 17, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 418
Views: 70655

Re: Good Modern Science Fiction

Too many great recommendations to +1!!! A couple I haven't seen yet: Nicky Drayden's THE PREY OF GODS. Fascinating pastiche of a battle of two goddesses and personal robots becoming self-aware, set in future South Africa. Eli K. P. William's CASH CRASH JUBILEE. Frightening take on the privitization ...