Search found 4169 matches

by natureexplorer
Mon Dec 17, 2012 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: How To Use a (Non-Roth) After-Tax 401k Account Properly?
Replies: 27
Views: 1745

Re: How To Use a (Non-Roth) After-Tax 401k Account Properly?

Considering the potential confusion around how these monies will be handled by the IRS years down the road, I am wondering whether that is a reasons to keep these monies in a separate Roth IRA rather that mixing them with my other Roth IRA (where I am also doing the backdoor Roth IRA).
by natureexplorer
Mon Dec 17, 2012 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: How To Use a (Non-Roth) After-Tax 401k Account Properly?
Replies: 27
Views: 1745

Re: How To Use a (Non-Roth) After-Tax 401k Account Properly?

FoolishJumper, thanks! I have exactly this through my 401k with Fidelity. I initially tried to get it to Vanguard, but it was quite challenging and involved checks, so I just opened a Fidelity Roth IRA to auto transfer to. Fidelity transfers directly from my after-tax 401k (I only contribute to that...
by natureexplorer
Mon Dec 17, 2012 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: How To Use a (Non-Roth) After-Tax 401k Account Properly?
Replies: 27
Views: 1745

Re: How To Use a (Non-Roth) After-Tax 401k Account Properly?

If your plan allows incoming rollovers from IRAs (like MyMegaCorp's) then you can roll the whole thing to a TIRA, then treat it like a backdoor Roth that has taxable amounts. Convert the basis, roll the remainder back in, all clean on 8606. Thanks for your comments. I don't understand. I currently ...
by natureexplorer
Sun Dec 16, 2012 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: How To Use a (Non-Roth) After-Tax 401k Account Properly?
Replies: 27
Views: 1745

Re: How To Use a (Non-Roth) After-Tax 401k Account Properly?

Thanks everyone for your comments! The earnings on that post-tax money do have to come out with it so it is not just the post-tax basis that comes out. That is why we suggest doing these "in-service" rollovers regularly - so the earnings don't amount to much and the tax doesn't amount to much. And ...
by natureexplorer
Sun Dec 16, 2012 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Muni intermed drops last 3 days
Replies: 32
Views: 2679

Re: Muni intermed drops last 3 days

So if munis become taxable, will there be any advantage to holding these over say,intermed. Corpor rate? There will be nothing in its place to keep in a taxable account? I am strongly tempted to cash out because I feel like the tax exempt status will be at least reduced for higher bracket owners an...
by natureexplorer
Sun Dec 16, 2012 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Mostly Taxable - Looking for Portfolio Review
Replies: 9
Views: 1313

Re: Mostly Taxable - Looking for Portfolio Review

New Annual Contributions: $150,000 Taxable $5,000 Traditional IRA, then back door to Roth $10,000 I-BONDS $6,450 HSA Questions: 1. With very limited tax deferred space, should I consider adding EE Bonds? 2. From reading some of the books and this forum it would sound like I am the ideal candidate f...
by natureexplorer
Sun Dec 16, 2012 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Muni intermed drops last 3 days
Replies: 32
Views: 2679

Re: Muni intermed drops last 3 days

The effect to muni bond taxation would be worse in a high yield environment.
by natureexplorer
Sun Dec 16, 2012 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: How To Use a (Non-Roth) After-Tax 401k Account Properly?
Replies: 27
Views: 1745

Re: How To Use a (Non-Roth) After-Tax 401k Account Properly?

retiredjg, thanks for your help! 1. Find out if only your after tax contributions are coming out. I understand that the employer contributions (pre-tax) can also come out and that some plans send both out together (no choice on your part). This is fixable, but you need to know ahead of time just wh...
by natureexplorer
Sun Dec 16, 2012 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: How To Use a (Non-Roth) After-Tax 401k Account Properly?
Replies: 27
Views: 1745

How To Use a (Non-Roth) After-Tax 401k Account Properly?

I have access a (non-Roth) After-Tax 401k account at my employer. The account is at Fidelity. The plan rules allow in-service rollovers/distributions of those monies. In other words, I should be able to move these monies to a Roth account to give them a greater tax-advantage, or can I? Here are my q...
by natureexplorer
Fri Nov 09, 2012 9:43 am
Forum: Personal Consumer Issues
Topic: Maldives?
Replies: 6
Views: 1129

Re: Maldives?

Has anyone been to the Maldives and has some tips about where to stay for an active vacation (snorkeling, beach, boat trips, exploring the islands)? The islands of the Maldives come in essentially five categories. 1. The island which has the airport 2. The main island which is next to the airport. ...
by natureexplorer
Thu Nov 08, 2012 1:34 pm
Forum: Personal Consumer Issues
Topic: Maldives?
Replies: 6
Views: 1129

Re: Maldives?

I went there 3 years ago for my honeymoon and it was awesome. We stayed in an over water hut at Meeru and would recommend it to anyone. It seemed to have the best value out of the resorts i researched and had great reviews on trip advisor. The food was solid 4 star in my opinion and service was top...
by natureexplorer
Thu Nov 08, 2012 1:14 pm
Forum: Personal Consumer Issues
Topic: Maldives?
Replies: 6
Views: 1129

Maldives?

Has anyone been to the Maldives and has some tips about where to stay for an active vacation (snorkeling, beach, boat trips, exploring the islands)?
by natureexplorer
Wed Nov 07, 2012 11:33 am
Forum: Personal Finance (Not Investing)
Topic: 401k: I messed up my employer match
Replies: 22
Views: 2553

Re: 401k: I messed up my employer match

kwahmaye wrote:My wife on the other hand can say she wants to put in XXXXX per year and they divide that by 26 (number of paychecks) and she is done. Bonuses don't come into play with this setup. I wish mine was that easy.
Yeah, 401ks should be more user-friendly.
by natureexplorer
Wed Nov 07, 2012 9:47 am
Forum: Personal Finance (Not Investing)
Topic: 401k: I messed up my employer match
Replies: 22
Views: 2553

Re: 401k: I messed up my employer match

By the way, to find out whether a company does true-up, what should one look for in the plan description? In my Plan Summary Document in the Company Match section, there is a paragraph that says: If, during the Plan year, your Salary Contributions cease for any reason, but you have not realized the...
by natureexplorer
Tue Nov 06, 2012 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: 401k: I messed up my employer match
Replies: 22
Views: 2553

Re: 401k: I messed up my employer match

johnny72 wrote:Anyway, hopefully someone else will see this and avoid this problem in the future. I noticed that this was not addressed in the Bogleheads Wiki at all - is this something that can be added?
+1

By the way, to find out whether a company does true-up, what should one look for in the plan description?
by natureexplorer
Tue Nov 06, 2012 9:11 am
Forum: Personal Consumer Issues
Topic: When an Ebay Buyer Doesn't Pay
Replies: 31
Views: 4012

Re: When an Ebay Buyer Doesn't Pay

I had an eBay buyer not pay either. There is nothing that can be done. Of course, I didn't have to pay eBay fees, but the item dropped (as expected) in value during the delay this caused. Since then, I have switched to selling on Amazon. There, people have to pay first. On top of that, they can hand...
by natureexplorer
Mon Oct 29, 2012 9:48 am
Forum: Investing - Theory, News & General
Topic: Wall Street Closed on Monday
Replies: 40
Views: 3712

Re: Wall Street Closed on Monday

Sorry, but I think that this is a little ridiculous, particularly in the age of electronic trading. Surely Wall Street has back-up computers in some off-site location that they could run all the trading through. So much for Wall Street being full of fearless risk-takers. Apparently, just a little b...
by natureexplorer
Mon Oct 29, 2012 9:33 am
Forum: Investing - Theory, News & General
Topic: HSBC and Allan Roth Analysis of Vanguard's Index Switch
Replies: 2
Views: 483

HSBC and Allan Roth Analysis of Vanguard's Index Switch

HSBC Analysis: https://www.research.hsbc.com/midas/Res/RDV?p=pdf&key=40ZTNLT6sz&ao=29&n=347009.PDF Allan Roth's commentary: http://www.cbsnews.com/8301-505123_162-57540204/vanguard-to-buy-another-$1b-in-berkshire-shares/ The bottom line is that anyone holding the Vanguard Emerging Markets Stock Inde...
by natureexplorer
Sun Oct 28, 2012 8:10 pm
Forum: Investing - Theory, News & General
Topic: Wall Street Closed on Monday
Replies: 40
Views: 3712

Re: Wall Street Closed on Monday

Highly misleading thread subject!
by natureexplorer
Fri Oct 26, 2012 10:15 pm
Forum: Personal Consumer Issues
Topic: Windows 8: Are you upgrading?
Replies: 67
Views: 5978

Re: Windows 8: Are you upgrading?

I checked out Windows 8 at the Microsoft and Sony store. The system doesn't seem to be ready for prime time. If you currently don't have a touch device, then you definitely don't want to switch. At least not yet. However, even the touch devices are not that great yet. For example, the Chrome browser...
by natureexplorer
Fri Oct 26, 2012 4:33 pm
Forum: Investing - Theory, News & General
Topic: Contributing more than $17k to 401k
Replies: 15
Views: 1596

Re: Contributing more than $17k to 401k

After-tax contributions to a 401(k) are pretty commonly available. Really, (non-Roth) after-tax 401k contributions are common? Another Forbes article stated: As for younger folks, the law permits them to get in-service distributions of money rolled over from previous 401(k)s; of employer (but not e...
by natureexplorer
Fri Oct 26, 2012 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does Your 401k Allow (Non-Roth) AFTER-TAX Contributions?
Replies: 44
Views: 11745

Does Your 401k Allow (Non-Roth) AFTER-TAX Contributions?

Does your 401k allow (non-Roth) after-tax contributions? If yes, does it allow in-service rollover of (non-Roth) after-tax 401k contributions? I am trying to understand how common these features are. I am particularly interested in the responses from people working for big companies. Are there any b...
by natureexplorer
Fri Oct 26, 2012 4:16 pm
Forum: Investing - Theory, News & General
Topic: Contributing more than $17k to 401k
Replies: 15
Views: 1596

Re: Contributing more than $17k to 401k

doug91 wrote:After-tax contributions to a 401(k) are pretty commonly available.
Really, (non-Roth) after-tax 401k contributions are common?
by natureexplorer
Fri Oct 26, 2012 9:42 am
Forum: Investing - Theory, News & General
Topic: Mark your calendar for year-end fund distributions.
Replies: 3
Views: 662

Re: Mark your calendar for year-end fund distributions.

January 5, 2013
Does this imply that they will make 2012-taxable distributions only in early January of 2013?
by natureexplorer
Wed Oct 17, 2012 9:57 am
Forum: Investing - Theory, News & General
Topic: Will You Use the New Vanguard Short-Term TIPS Index Fund?
Replies: 27
Views: 5965

Re: Will You Use the New Vanguard Short-Term TIPS Index Fund

DaveS wrote:Well It's nice to know you wont do worse than inflation.
I guess you haven't been watching real yields in a couple years.
by natureexplorer
Tue Oct 16, 2012 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Should we switch our TIPS fund?
Replies: 49
Views: 7853

Re: Average duration of fixed income.

What is the average duration of your entire fixed income portfolio? Answer: Our three bond funds have an average duration of approximately 6 years (not counting 6% of fixed income in Prime Money Market Fund). Okay, this average duration of 6 years is what (roughly) determines your interest rate ris...
by natureexplorer
Tue Oct 16, 2012 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Should we switch our TIPS fund?
Replies: 49
Views: 7853

Re: Should we switch our TIPS fund?

What is the average duration of your entire fixed income portfolio?
by natureexplorer
Tue Oct 16, 2012 1:06 pm
Forum: Investing - Theory, News & General
Topic: Will You Use the New Vanguard Short-Term TIPS Index Fund?
Replies: 27
Views: 5965

Will You Use the New Vanguard Short-Term TIPS Index Fund?

https://advisors.vanguard.com/VGApp/iip/site/advisor/researchcommentary/article/IWE_NewsInflationHedging Benchmark: Barclays U.S. Treasury Inflation-Protected Securities (TIPS) 0-5 Year Index Expense Ratio (ER): 0.10% for ETF There are also Admiral mutual fund shares with the same ER, but they come...
by natureexplorer
Mon Oct 08, 2012 8:06 am
Forum: Investing - Theory, News & General
Topic: Gus Sauter interview
Replies: 17
Views: 1799

Re: Gus Sauter interview

petrico wrote:...was this retirement voluntary?
Well, it sounds like he is bored with his job. Maybe he made those recent index changes just out of boredom.
by natureexplorer
Sun Oct 07, 2012 9:21 pm
Forum: Personal Consumer Issues
Topic: Jamaica Vacation - Any tips?
Replies: 74
Views: 6133

Re: Jamaica Vacation - Any tips?

Thanks everyone! We may go elsewhere based on this feedback.
by natureexplorer
Sun Oct 07, 2012 1:54 pm
Forum: Investing - Theory, News & General
Topic: Gus Sauter interview
Replies: 17
Views: 1799

Re: Gus Sauter interview

Toons wrote:Yes going from 80% to 90% in his equity allocation(58 years young)is something to ponder
My guess is that the 10% he doesn't have in equities is more than enough for him to live very comfortably. So basically, he invests for his heirs.
by natureexplorer
Sun Oct 07, 2012 1:53 pm
Forum: Investing - Theory, News & General
Topic: Gus Sauter interview
Replies: 17
Views: 1799

Re: deleted

Post deleted. I tried to provide a working link to Gus's interview but it didn't work. I guess the following link then won't work either: http://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&ved=0CCIQFjAA&url=http%3A%2F%2Fonline.barrons.com%2Farticle%2FSB50001424053111904414004578...
by natureexplorer
Sat Oct 06, 2012 8:20 pm
Forum: Investing - Theory, News & General
Topic: Challenge to the Fama French Three Factor Model
Replies: 57
Views: 7774

Re: Challenge to the Fama French Three Factor Model

Would that be a reason to total-market invest rather than to style-invest?
by natureexplorer
Sat Oct 06, 2012 5:12 pm
Forum: Personal Consumer Issues
Topic: LinkedIn and jobs
Replies: 23
Views: 2398

Re: LinkedIn and jobs

I have heard several first-hand accounts of people getting jobs through LinkedIn. However, they also said that they made contact with hiring managers or people reporting to the hiring manager. They all said that recruiters are usually a big waste of time. It seems like everyone wants to be a recruit...
by natureexplorer
Fri Oct 05, 2012 9:06 pm
Forum: Personal Consumer Issues
Topic: Jamaica Vacation - Any tips?
Replies: 74
Views: 6133

Re: Jamaica Vacation - Any tips?

In Ocho Rios, Jamaica they have a high chain link fence separating the town from the port and cruise ships. My wife and I walked toward the fence where we were greeted by literally hundreds of Jamaicans pressed against the fence waiting for us to pass through the gate. We turned around and returned...
by natureexplorer
Fri Oct 05, 2012 8:08 pm
Forum: Personal Consumer Issues
Topic: Jamaica Vacation - Any tips?
Replies: 74
Views: 6133

Re: Jamaica Vacation - Any tips?

JDCPAEsq and snyder66, thanks for mentioning that. I had no idea Jamaica was such a rough place. I guess that only leaves a resort as an option for accommodation.
by natureexplorer
Fri Oct 05, 2012 8:02 pm
Forum: Investing - Theory, News & General
Topic: Were the Recent Vanguard Index Changes Really Necessary?
Replies: 46
Views: 4047

Re: A lower-cost index provider?

Instead of a one-time cost, there may be an offsetting immediate saving. The maximum savings (if the new indices are indeed free) is 0.014% ($24m versus $0m in licensing fees). Turnover due to buying and selling stocks (maybe due to inflow and outflow) probably has a transactional cost of of 0.01% ...
by natureexplorer
Fri Oct 05, 2012 7:06 pm
Forum: Personal Consumer Issues
Topic: Jamaica Vacation - Any tips?
Replies: 74
Views: 6133

Jamaica Vacation - Any tips?

Dear Bogleheads, We are considering to have a small family reunion (4 - 9 people) in Jamaica for 7 to 10 days during the second half of December 2012 (including during Christmas). Do you have any tips for accommodation and/or activities? We would all fly to Montego Bay airport. (Indeed, we basically...
by natureexplorer
Fri Oct 05, 2012 7:50 am
Forum: Investing - Theory, News & General
Topic: CRSP and MSCI: comparing US indexes
Replies: 21
Views: 4907

Re: CRSP and MSCI: comparing US indexes

. 10 year annualized returns 2002-2011 Large cap value Russell 1000 Value....................3.9 MSCI US Prime Market Value........3.8 S&P 500 Value.........................3.5 CRSP US Large Cap Value............2.9 Mid cap value MSCI US Mid Cap Value..............7.9 Russell Mid Cap Value............
by natureexplorer
Thu Oct 04, 2012 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: facing unemployment--need investment advice
Replies: 18
Views: 2002

Re: facing unemployment--need investment advice

How about you run some scenarios for different lengths of unemployment and new jobs with different salaries? Then share those with us.
by natureexplorer
Thu Oct 04, 2012 4:22 pm
Forum: Investing - Theory, News & General
Topic: Were the Recent Vanguard Index Changes Really Necessary?
Replies: 46
Views: 4047

Re: A behind-the-scene look at Vanguard's Index switch.

This Morningstar interview with Joel Dickenson is the best explanation I've seen about Vanguard changed indexes: http://www.morningstar.com/Cover/videoCenter.aspx?id=569429 Same here. So the only driver here seems to be cost and not at all about methodology changes. If that is the case, they should...
by natureexplorer
Thu Oct 04, 2012 2:17 pm
Forum: Investing - Theory, News & General
Topic: Were the Recent Vanguard Index Changes Really Necessary?
Replies: 46
Views: 4047

Re: Who comes out ahead?

Wagnerjb wrote:Also keep in mind that more Vanguard customers means more jobs (and job security) for employees, more money to spend with vendors, etc.
Actually, it doesn't because each dollar at Vanguard employs fewer people than each dollar at most other investment companies.
by natureexplorer
Thu Oct 04, 2012 1:35 pm
Forum: Investing - Theory, News & General
Topic: Were the Recent Vanguard Index Changes Really Necessary?
Replies: 46
Views: 4047

Re: Who comes out ahead?

Andy wrote: I am not convinced that the existing customers will come out ahead, but I am sure convinced Vanguard will. I don't understand? Vanguard is (indirectly) owned by its existing customers. Taylor, who do you think will pay for the transition costs associated with the index changes? Once the...
by natureexplorer
Thu Oct 04, 2012 1:30 pm
Forum: Investing - Theory, News & General
Topic: CRSP and MSCI: comparing US indexes
Replies: 21
Views: 4907

Re: CRSP and MSCI: comparing US indexes

I took a look at the returns of CRSP Large Value and Small Value indexes and compared the returns to MSCI 750 and 1750 Value indexes and found the former trailed the later by about 0.2% per year from 2001-2012. While 0.2% is just noise, and CRSP simulations should be taken with a grain of salt, I a...
by natureexplorer
Thu Oct 04, 2012 1:28 pm
Forum: Investing - Theory, News & General
Topic: CRSP and MSCI: comparing US indexes
Replies: 21
Views: 4907

Re: CRSP and MSCI: comparing US indexes

So how many stocks does the MSCI US Broad Market Index and the CRSP US Total Market Index each hold?
by natureexplorer
Thu Oct 04, 2012 1:12 pm
Forum: Investing - Theory, News & General
Topic: Were the Recent Vanguard Index Changes Really Necessary?
Replies: 46
Views: 4047

Re: Were the Recent Vanguard Index Changes Really Necessary?

Personally (and I may be wrong), as far as better indexes go, I have to believe MSCI would have complied with any changes Vanguard wanted to make, so while they are selling it as "better indexes", I'm not so sure that is the driver . Same went for the S&P switch -- Vanguard said the "single factor ...
by natureexplorer
Thu Oct 04, 2012 1:07 pm
Forum: Investing - Theory, News & General
Topic: Were the Recent Vanguard Index Changes Really Necessary?
Replies: 46
Views: 4047

Re: Were the Recent Vanguard Index Changes Really Necessary?

Thanks everyone for your responses. I understand from dickenjb that the licensing fees with MSCI was $24m on $170B. How much is the licensing with the new indices? Has anyone looked at the recent performance of the MSCI vs FTSE/CRSP indices that are being swapped out? I remember there was discussion...
by natureexplorer
Thu Oct 04, 2012 11:45 am
Forum: Investing - Theory, News & General
Topic: Were the Recent Vanguard Index Changes Really Necessary?
Replies: 46
Views: 4047

Re: Were the Recent Vanguard Index Changes Really Necessary?

dickenjb wrote:You can do the math yourself. $24 million in licensing fees on a $170 billion portfolio is 1.4 bps. If they cut that in half, it is 0.7 bps.
Is $24m the difference in licensing fees? How much does the transition cost?