Search found 81 matches

by SoDakJeff
Mon Oct 16, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 47
Views: 5501

Re: Antivirus Software Recommendations

I used to use VIPRE. I guess it did okay, but I found it to be clunky and complex to use. For the past three weeks, I've been playing around with a 30-day free trial of Bitdefender, and I've been liking it enough that I went ahead and purchased it over the weekend. What I like about it: full-feature...
by SoDakJeff
Thu Sep 28, 2017 8:16 am
Forum: Personal Consumer Issues
Topic: Bathtub/shower rehab - Bath Fitters experience?
Replies: 8
Views: 1227

Bathtub/shower rehab - Bath Fitters experience?

Our bathtub/shower is looking a little sad. We're looking to sell within the next year, and are thinking we'll need to do something with it before listing. We picked up a flyer for Bath Fitters and decided to call them in for an estimate. The flyer included a coupon good for $600 off an installation...
by SoDakJeff
Wed Sep 27, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 4127

Re: BH phone review: Moto G5 Plus

For those who are not members of Costco, you can get it at Amazon at the same price at $220. For prime members, you can get it at $190 with ads. My days of chasing after the latest and greatest ( and most expensive) smartphone are over! My wife needed a new phone a couple of months ago, and I found...
by SoDakJeff
Sat Jul 29, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Phone number stolen
Replies: 41
Views: 3957

Re: Phone number stolen

Have you seen this article? Your mobile phone account could be hijacked by an identity thief https://www.ftc.gov/news-events/blogs/techftc/2016/06/your-mobile-phone-account-could-be-hijacked-identity-thief It mentions that companies are obligated to provide written records related to identity theft...
by SoDakJeff
Sat Jun 24, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Old stock certificates
Replies: 4
Views: 953

Re: Old stock certificates

According to some inflation calculator I just found on Google: $600.00 in 1920 had the same buying power as $7,664.51 in 2017 Please post back when you figure out if those stocks have any value. It just seemed like tracking down all of this information was going to be more a) than I knew how to do,...
by SoDakJeff
Sat Jun 24, 2017 11:15 am
Forum: Personal Investments
Topic: 401(k)/403(b) fund help
Replies: 6
Views: 678

Re: 401(k)/403(b) fund help

For a variety of reasons, my wife and I decided to enroll in the Vanguard PAS (at least for now) The advisor came up with the 75/25, since we're both willing to take on a little more risk while my wife continues to work for at least another 10 years. The 75/25 will drop to 70/30 in one year, and th...
by SoDakJeff
Sat Jun 24, 2017 9:39 am
Forum: Personal Investments
Topic: 401(k)/403(b) fund help
Replies: 6
Views: 678

Re: 401(k)/403(b) fund help

I think I can get to 75/25 easily enough with the funds I have, but do you think the funds I have are appropriate, given my choices? Fund choices are fine. I have to wonder, though, why people your ages want to be at 75/25. There could be good reasons, but it seems very aggressive. Is there any rea...
by SoDakJeff
Sat Jun 24, 2017 8:18 am
Forum: Personal Investments
Topic: 401(k)/403(b) fund help
Replies: 6
Views: 678

401(k)/403(b) fund help

Good morning, My wife currently has a 401(k) that she contributes to at Principal, and an old, inactive 403(b) at Principal. I'm in the process of changing the AA in that portfolio to 75% stock/25% bond. Right now, the 401(k) has about $165k, and the 403(b) has about $185k. I would appreciate some a...
by SoDakJeff
Mon Jun 05, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Old stock certificates
Replies: 4
Views: 953

Old stock certificates

I hope I'm posting this in the right place... I've come across several old stock certificates that were purchased by my grandfather. 5 shares @ $10 each capital stock of San-Val Oil Company, Ltd., dated April 6th, 1931 50 shares @ $1 each capital stock of Sunnyside Oil & Gas Company, dated April 20t...
by SoDakJeff
Mon Jun 05, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Favorite Thriller Authors and Why
Replies: 54
Views: 12207

Re: Favorite Thriller Authors and Why

Michael Connelly - The Harry Bosch series has stood the test of time. Also has some good standalones. John Sandford - Either the Lucas Davenport series or the newer Virgil Flowers series. Compulsive page-turners. Mystery/suspense/humor. Dennis Lehane - especially the earlier Kenzie/Gennaro books. Ka...
by SoDakJeff
Thu Jun 01, 2017 9:25 am
Forum: Personal Investments
Topic: Traditional vs Roth 401(k)?
Replies: 13
Views: 1396

Re: Traditional vs Roth 401(k)?

Yours is a common problem. You've accumulated sizable assets and also a tax liability. But that comes with the tIRA/t401k anyway. It looks to me that you could convert $20,000 to Roth this year and stay out of the 25% tax bracket. Higher tax bracket will reduce return so a good estimae of that is h...
by SoDakJeff
Thu Jun 01, 2017 8:58 am
Forum: Personal Investments
Topic: Traditional vs Roth 401(k)?
Replies: 13
Views: 1396

Re: Traditional vs Roth 401(k)?

So, if I'm understanding a couple of the posts here, I'm maybe better off doing a yearly Roth conversion rather than switching my wife over to a Roth 401(k)? These should be equivalent, but I would first check to see how SS taxation factors into your taxes. A couple of caveats would be if she is pu...
by SoDakJeff
Wed May 31, 2017 1:59 pm
Forum: Personal Investments
Topic: Traditional vs Roth 401(k)?
Replies: 13
Views: 1396

Re: Traditional vs Roth 401(k)?

Will your wife have a pension? Is your pension inflation adjusted? If you're getting $15K/yr from the pension and she's getting $55K/yr from salary, you should be well within 15% bracket, unless there are other sources of income. The boundary between 15% and 25% is about $100K/yr for MFJ with stand...
by SoDakJeff
Wed May 31, 2017 10:53 am
Forum: Personal Investments
Topic: Traditional vs Roth 401(k)?
Replies: 13
Views: 1396

Traditional vs Roth 401(k)?

Good morning! I'm in the process of transferring my retirement accounts from actively managed over to Vanguard. The transfers are currently in progress. In addition to the portfolio we will be setting up at Vanguard, my wife has a couple of accounts (403(b) and 401(k)) at Principal. I've been worryi...
by SoDakJeff
Fri Apr 28, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: Roth IRA's and excess cash...
Replies: 4
Views: 655

Re: Roth IRA's and excess cash...

Thanks. I think I'll go with the lump sums. That excess cash is really making my AA look out of whack, and this should help a little.
by SoDakJeff
Fri Apr 28, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: Roth IRA's and excess cash...
Replies: 4
Views: 655

Roth IRA's and excess cash...

Early next week, I'll be moving my and my wife's Roth IRA's from Waddell & Reed over to Vanguard. I currently have more money in savings accounts and taxable funds than I'm comfortable with. I was thinking I'd just go ahead and use some of that cash to make lump some payments to both of those IRA's ...
by SoDakJeff
Wed Apr 26, 2017 2:56 pm
Forum: Investing - Theory, News & General
Topic: Retired, but postponing Social Security.
Replies: 17
Views: 2082

Re: Retired, but postponing Social Security.

But one thing you need to account for is what happens to the survivor's income when the first of you dies. The survivor will lose one of the SS payments, the pension amount may change, and the marginal tax rates for a single person are different. That is a good point. There is a strategy that has t...
by SoDakJeff
Wed Apr 26, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Retired, but postponing Social Security.
Replies: 17
Views: 2082

Re: Retired, but postponing Social Security.

Thanks for all of the replies. That's what I was hoping - that the decrease was mostly due to the half year of income last year, and that things would stabilize this year when there would be a full year with no income. I'll check out that calculator on the SSA site, too. As to the second half of my...
by SoDakJeff
Wed Apr 26, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Retired, but postponing Social Security.
Replies: 17
Views: 2082

Re: Retired, but postponing Social Security.

Thanks for all of the replies. That's what I was hoping - that the decrease was mostly due to the half year of income last year, and that things would stabilize this year when there would be a full year with no income. I'll check out that calculator on the SSA site, too. As to the second half of my ...
by SoDakJeff
Wed Apr 26, 2017 9:27 am
Forum: Investing - Theory, News & General
Topic: Retired, but postponing Social Security.
Replies: 17
Views: 2082

Retired, but postponing Social Security.

I retired last year at 62, but thought I'd hold off on claiming SSI until FRA, thinking I'd wait for the higher payout. My wife is 56 and still working (approx $55k/yr), I'm getting a pension (1229/month) and a small IRA distribution (750/month), so we're fine. I noticed on my December, 2016 SS stat...
by SoDakJeff
Fri Apr 07, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Retirement Accounts - Problems?
Replies: 11
Views: 1437

Re: Transferring Retirement Accounts - Problems?

Get the Vanguard "Concierge" involved in this. Have them pull the accounts from where they live rather than initiate anything with the current custodians.One hint is to be sure that the old account and the new account are identically titled if it is Simon T Legree on the existing be sure to have it...
by SoDakJeff
Fri Apr 07, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Retirement Accounts - Problems?
Replies: 11
Views: 1437

Re: Transferring Retirement Accounts - Problems?

Unfortunately, it's probably safest to transfer individual accounts, one at a time, to minimize opportunities for confusion and mix-ups. Others will tell you they successfully did it all at once, but they were only lucky. Talk to customer service at both firms involved, and submit the required pape...
by SoDakJeff
Fri Apr 07, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Retirement Accounts - Problems?
Replies: 11
Views: 1437

Transferring Retirement Accounts - Problems?

In the very near future, I'm going to be transferring approx. $400k in retirement accounts (IRA's and Roths) from Waddell & Reed, and another approx. $500k in retirement accounts from T.Rowe Price (IRA) to a Vanguard 3 fund portfolio. I'm 63 now, and started contributing to the TRP account in my 20'...
by SoDakJeff
Thu Apr 06, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: Portfolio tax efficiency questions
Replies: 3
Views: 557

Re: Portfolio tax efficiency questions

I put this in another thread and it applies to you as well: Here are some guiding principles that I use: 1. If you have a taxable account: Only a few funds in taxable that are tax-efficient and their tax-loss harvesting partners: Total US / Large-cap US (a TLH partner) Total Int'l / and a TLH partn...
by SoDakJeff
Thu Apr 06, 2017 8:30 am
Forum: Investing - Theory, News & General
Topic: Portfolio tax efficiency questions
Replies: 3
Views: 557

Portfolio tax efficiency questions

Good morning, I'm trying to bring my portfolio together under the Vanguard roof and arrange my AA. I'm planning to go with the 3-fund portfolio of Total Stock Market, Total Bond Market and Total International Stock. I'm still pretty new to all of this. I've been reading the Wiki and the bogleheads g...
by SoDakJeff
Tue Apr 04, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: Help me decide!
Replies: 5
Views: 1002

Re: Help me decide!

What did you think would happen when you did that calculation? You are going to have to educate yourself about investing. Nothing else will give you the right answer. Nobody knows the future. You will have to determine what the reasons for the out-performance of these funds was and whether it is li...
by SoDakJeff
Tue Apr 04, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Help me decide!
Replies: 5
Views: 1002

Help me decide!

I'm getting ready to transfer all of my Waddell & Reed accounts over to Vanguard in the near future, and I'll have a new post on that pretty soon. What I'm struggling with now is what to do about an IRA I've got with T.Rowe Price, and whether to transfer that all over to Vanguard or not. The idea of...
by SoDakJeff
Wed Mar 15, 2017 1:19 pm
Forum: Personal Investments
Topic: Recently Retired - Portfolio Advice, Please!
Replies: 10
Views: 2003

Re: Recently Retired - Portfolio Advice, Please!

Jeff, Your situation looks ok, but it is kind of a mess. I don't think you can tell exactly what you are doing with all these accounts and funds. You have a good start with a three fund portfolio your Taxable account, so I would start by trying to implement this portfolio across your accounts. Here...
by SoDakJeff
Wed Mar 15, 2017 12:51 pm
Forum: Personal Investments
Topic: Recently Retired - Portfolio Advice, Please!
Replies: 10
Views: 2003

Re: Recently Retired - Portfolio Advice, Please!

Hello SoDakjeff, I'm not an expert, however, the wife is still working. She still can contribute to your and her Roths. We're planning to contribute something, if not the max, to my Roth towards the end of the year when we see how our financial situation is shaking out. Is it possible to get on her...
by SoDakJeff
Wed Mar 15, 2017 9:17 am
Forum: Personal Investments
Topic: Recently Retired - Portfolio Advice, Please!
Replies: 10
Views: 2003

Re: Recently Retired - Portfolio Advice, Please!

It would be helpful to commenters for you to show totals for the accounts with multiple investments and a distribution (%) of stock/bonds/cash for taxable and tax-advantaged. There's too much going on to get a good overall picture. See this: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212...
by SoDakJeff
Tue Mar 14, 2017 8:27 pm
Forum: Personal Investments
Topic: Recently Retired - Portfolio Advice, Please!
Replies: 10
Views: 2003

Recently Retired - Portfolio Advice, Please!

Hello Bogleheads, I’m 63 years old, and I retired last year. Retirement has given me some time to read and study about retirement and investments (including time well-spent on this site), and that has opened my eyes to the serious problems that my lack of attention to my financial advisor has caused...