Search found 1723 matches

by kramer
Fri Feb 02, 2018 4:02 am
Forum: Personal Investments
Topic: HSA Asset Allocation Strategy and Choices
Replies: 12
Views: 2910

Re: HSA Asset Allocation Strategy and Choices

Krischi, That's a good point ... that HSAs do not have RMDs like a regular IRA.
by kramer
Thu Feb 01, 2018 11:07 am
Forum: Personal Investments
Topic: HSA Asset Allocation Strategy and Choices
Replies: 12
Views: 2910

Re: HSA Asset Allocation Strategy and Choices

However, one caveat is to be sure that it will not outgrow your eventual health expenses since then it becomes more like an IRA instead of a Roth IRA. Meaning what? Health expenses could be withdrawn tax free, but other withdrawals would count as income on the earning portion? If you end up withdra...
by kramer
Thu Feb 01, 2018 12:24 am
Forum: Personal Investments
Topic: HSA Asset Allocation Strategy and Choices
Replies: 12
Views: 2910

Re: HSA Asset Allocation Strategy and Choices

Like grabiner said, I just consider the HSA account as an extension of my Roth IRA (but as something better than my traditional IRA), since with enough health expenses I can withdraw from it tax free. And like him it is small and I keep it all in a single ETF. However, one caveat is to be sure that ...
by kramer
Tue Jan 30, 2018 1:50 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax-Please check my math
Replies: 23
Views: 2655

Re: Foreign Tax-Please check my math

Since you have more than $20,000 in foreign dividend income, you have to use the special calculations ("adjustments") described in Publication 514 and in Form 1116 as described in the instructions. I am guessing you ignored that complication in your math, but I don't know for sure. No, it's $20K in...
by kramer
Mon Jan 29, 2018 2:58 am
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 470
Views: 122559

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

In order for me to prepare for retirement in 2019, I would need to convert $840k of stocks in my taxable accounts to bonds this year. While still working and earning ~$300K. I agree with the other posters here. In addition to what has been said, throughout your retirement you will want to take maxi...
by kramer
Sun Jan 28, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax glitch w/Form 1116 when e-filing
Replies: 13
Views: 1622

Re: TurboTax glitch w/Form 1116 when e-filing

Thanks for the warning.

With a range of ETFs that contain domestic and international stocks, I wouldn't even consider filing until early March, at the absolute earliest.
by kramer
Mon Jan 22, 2018 4:51 am
Forum: Personal Consumer Issues
Topic: Passport renewal and usage- what's the scoop?
Replies: 33
Views: 3512

Re: Passport renewal and usage- what's the scoop?

I suggest getting the passport card at the same time. It’s proof of identity and citizenship. Useful when getting a job or flying domestic. What’s the point? Drivers license works fine for flying and how often are you getting a job? The main use is that you can have the card on your person while ab...
by kramer
Fri Jan 19, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 34
Views: 7139

Re: International Bonds

I live abroad in a small, developing economy ... and I can't realistically invest in the local currency for various reasons. So I would love to own some unhedged international bonds to better diversify away from the dollar. But I have never found good value to do that ... the closest are probably th...
by kramer
Tue Jan 16, 2018 11:34 pm
Forum: Personal Investments
Topic: In this case, put bonds in taxable?
Replies: 10
Views: 1212

Re: In this case, put bonds in taxable?

There really is no obvious best answer here, particularly because of your ACA subsidy ... you need to do a detailed analysis. And also consider that if you wait until you are 63 you will start running into IRMAA problems (increased Medicare costs due to high income, they look back two years). Also, ...
by kramer
Mon Jan 15, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Social Security “Hump” and the new tax rates???
Replies: 36
Views: 8661

Re: Social Security “Hump” and the new tax rates???

I was able to download the latest MarginalRate spreadsheet from Number Cruncher's site last week (thanks so much!). However, to get it to work in Libre Office, I had to download the very latest version of Libre Office (5.4.4.2), it didn't work with an earlier version that was, I think, less than a y...
by kramer
Sun Jan 14, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 13888

Re: Is it time for me to "call in rich"?

I retired early as an engineer (age 41) and I too was terrified about it. I really didn't know if I could follow through with giving notice and it was one of the hardest things I did in my whole life ... that was 11 years ago and I am still retired with no regrets. One thing I did after I made a pre...
by kramer
Thu Jan 11, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: anyone else enjoying an afternoon nap in retirement?
Replies: 19
Views: 2423

Re: anyone else enjoying an afternoon nap in retirement?

Honestly, as a retired guy I haven't napped in years ... I just sleep late in the morning.
by kramer
Fri Dec 22, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for month of the year to retire
Replies: 33
Views: 3880

Re: Strategy for month of the year to retire

I got vested for quarterly bonuses as long as I worked a day in that quarter. So I gave my 2 week notice on the first Friday or Monday on or after April 1 (it turned out to be a Monday). There were a lot of factors driving the date. But I was able to max my 401(k) annual contributions by early April...
by kramer
Fri Dec 22, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 169
Views: 38096

Re: The Wall Street Journal to close Google loophole entirely

Other threads involving bypass paying for a service are locked, how is this allowed to go on ? Clearly the WSJ intends to only offer a paid subscription. I pay for it, as it is one of the few sources of high quality journalism left today. NY Times and Wash Post too. You get what you pay for (or in ...
by kramer
Thu Dec 21, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 169
Views: 38096

Re: The Wall Street Journal to close Google loophole entirely

The Facebook workaround stopped working for me a few days ago, also.
by kramer
Thu Dec 21, 2017 5:37 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversions, younger retirees, new (temporary) tax brackets
Replies: 6
Views: 953

Re: Roth conversions, younger retirees, new (temporary) tax brackets

If we do not speculate on changes to the “new“ tax plan, tax rates should increase automatically and fairly significantly at the end of 2025. For many of us who will begin required minimum distributions from our IRAs around that time the decision in favor of a Roth conversion has never been easier....
by kramer
Tue Dec 19, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Turbo tax and overseas bank accounts
Replies: 10
Views: 2366

Re: Turbo tax and overseas bank accounts

I have found that Turbo Tax handles form 1116 pretty well for foreign tax paid on investments. I had more trouble with Form 1116 when I used the basic turbo tax ... now I use the one two levels above that, can't remember the name (premiere?) , last year i paid around $55 on Amazon for it. I went bac...
by kramer
Tue Dec 19, 2017 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Turbo tax and overseas bank accounts
Replies: 10
Views: 2366

Re: Turbo tax and overseas bank accounts

Turbo tax handles all this, and you can also enter in foreign tax paid on your foreign bank income. I don't remember how it's done exactly, but I think like the earlier poster said, you just create a 1099 in Turbo Tax for it (even though there is no real 1099) and the interest gets entered on Schedu...
by kramer
Mon Dec 18, 2017 9:57 am
Forum: Personal Investments
Topic: Harvest tax gains? Convert to Roth?
Replies: 5
Views: 717

Re: Harvest tax gains? Convert to Roth?

The basic answer to your question is that, yes, you should probably use the entire 15% bracket, if possible. The answer about the mix of conversion and capital gains depends on what bracket you will be in retirement, how large your IRA is, etc. My guess is that it is best for you to take as many cap...
by kramer
Fri Dec 15, 2017 10:31 pm
Forum: Personal Investments
Topic: What happened to Bridgeway???
Replies: 14
Views: 1972

Re: What happened to Bridgeway???

More details here, started in 2012 and entitled "BRSIX - 20% distribution": https://www.bogleheads.org/forum/viewtopic.php?t=107161 I posted there in November about this upcoming BRSIX distribution. Roughly, here are the stats of BRSIX annual cap gains distribution as percentage of NAV: 2012: 20% 20...
by kramer
Fri Dec 15, 2017 3:13 am
Forum: Personal Investments
Topic: Tax planning: Convert Roth or zero tax due?
Replies: 18
Views: 1611

Re: Tax planning: Convert Roth or zero tax due?

In addition to FiveK's post, all of your long term capital gains and qualified dividends in your taxable account go from 0% to 15% tax if you convert a large sum. Another strategy would be to stay in the 15% bracket but max it out by taking taxable capital gains, which would be taxed at 0%. You will...
by kramer
Thu Dec 14, 2017 11:35 am
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 470
Views: 122559

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

One concern I (and this book) still haven’t addressed is how to handle Social Security when setting the initial and subsequent withdrawal rates. I will have about 15 years before drawing social security and small pension and they will be more than would be necessary for my guaranteed income compone...
by kramer
Mon Dec 11, 2017 5:22 am
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 25
Views: 2503

Re: Japan in summer

I was just there in mid-September for 2 weeks, not a problem in the slightest with the temperature. And same goes for my French friend who is used to cool weather. You can plan your itinerary to get just a one week Japan Rail pass (spend first day or two and last day or two within the city you are i...
by kramer
Sat Dec 09, 2017 3:01 am
Forum: Investing - Theory, News & General
Topic: John T. Reed (real estate) reading suggestions
Replies: 6
Views: 1149

Re: John T. Reed (real estate) reading suggestions

I read several of his books around 15 years ago ... I learned a lot and found them worthwhile ... although I decided not to invest in real estate myself. On the subject real estate purchase and management, particularly the subjective aspects, you probably want to read a range of authors. I actually ...
by kramer
Tue Dec 05, 2017 2:59 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 11071

Re: Growing Number of Electric Vehicles

Speaking of changing behaviors, I plan to own just an electric motorcycle/scooter for running short trips and simple errands and to use an electric self-driving car service for when I need to be transported in a box around town. So I will let the company managing the self driving cars worry about th...
by kramer
Tue Nov 21, 2017 10:55 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 470
Views: 122559

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

Harvesting and taxes: I have a good mix of taxable, Roth, and traditional IRA accounts that allow me to avoid most of the capital gains tax problems with Prime Harvesting. So, for a "harvest", when you are supposed to sell about 16.66% of your stocks (the 20% part of the 120%) , I would sell a few ...
by kramer
Tue Nov 21, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 34998

Re: Why not take Social Security at 62

Where can I get this guaranteed real 3% to 4% return mentioned by the OP? Sign me up! In the meantime, I will have to pay a *huge* premium on TIPs to even get 2% real ... point being that Social Security is effectively a guaranteed return and you need to use the real rates that you would receive for...
by kramer
Sat Nov 18, 2017 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Southeast Asia trip - Cash handling
Replies: 19
Views: 1845

Re: Southeast Asia trip - Cash handling

I was recently in China. Never used cash for anything. Everyone else was using various forms of paying with a cell phone, so they didn't use cash either. You know, like Apple Pay and the home-grown equivalents. So do SEA countries use cell phones for payments? In China they are mainly using WeChat ...
by kramer
Sat Nov 18, 2017 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Southeast Asia trip - Cash handling
Replies: 19
Views: 1845

Re: Southeast Asia trip - Cash handling

At a minimum, take 2 debit cards for ATM use (preferably different banks) and a no-fee credit card. Do quick searches online for ATM basics before entering a country .... in other words, know what the max ATM withdrawal is in that country, if some of the ATMs don't accept international cards, know t...
by kramer
Tue Nov 14, 2017 7:45 am
Forum: Personal Investments
Topic: BRSIX - 20% distribution
Replies: 23
Views: 5094

Re: BRSIX - 20% distribution

2017 BRSIX update:

$2.02 estimated LTCG distribution, current price is $15.53

13% distribution (estimated)
by kramer
Tue Nov 14, 2017 7:39 am
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 470
Views: 122559

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

OK, that makes more sense. So if bonds are ballooning as a percentage of portfolio (typically due to multiple stock harvests), I still have roughly the same real amount in stocks as at the start of retirement. I guess in the 1984 retirement situation that you described, after say 13 years of retirem...
by kramer
Tue Nov 14, 2017 5:55 am
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 470
Views: 122559

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

Thanks, AlohaJoe, I really enjoy your posts. And I have read most of your blog posts on this topic. I guess my worry is that when using this system with a low withdrawal rate my portfolio could become too bond-heavy although that would take awhile. I still (hopefully) have a 40 year horizon (age 52)...
by kramer
Mon Nov 13, 2017 11:33 pm
Forum: Personal Consumer Issues
Topic: places to live near Stanford University
Replies: 39
Views: 5788

Re: places to live near Stanford University

Palo Alto has basically refused to build multi-family housing for decades and had the nation's highest rents recently. All the surrounding cities have been gentrified with the tech boom. San Francisco would be a very long daily commute... there is a Cal Train stop near Stanford Campus but just getti...
by kramer
Mon Nov 13, 2017 2:34 am
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 470
Views: 122559

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

Recommendation: I purchased the paperback version of this book and I thought it was well worth the money. McClung really does "follow the data" wherever it takes him and I learned a lot from this book. Asset Allocation: I am considering adopting the book's recommendations except that I would mostly...
by kramer
Tue Nov 07, 2017 11:51 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 50
Views: 7442

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

Thanks to the comments for those who had voted ... when I logged in I voted, it was simple, just took about one minute total.
by kramer
Sat Nov 04, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 152
Views: 54951

Re: WSJ Digital Subscription - a bargain!

Thanks for the warnings. FYI, I had to click around the WSJ.com site to get an actual price. Right now, I could get all-digital for 6 months for $111 or all-digital for 12 months for $222. After that time period, you are automatically enrolled at the price of $111 plus tax per quarter. While I find...
by kramer
Sat Nov 04, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 152
Views: 54951

Re: WSJ Digital Subscription - a bargain!

Thanks for the warnings. FYI, I had to click around the WSJ.com site to get an actual price. Right now, I could get all-digital for 6 months for $111 or all-digital for 12 months for $222. After that time period, you are automatically enrolled at the price of $111 plus tax per quarter. While I find ...
by kramer
Wed Oct 18, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 37
Views: 2585

Re: Multi-currency accounts for US citizen

Maybe an even simpler option would be to have him sign up for a credit card with no foreign transaction fees. That way he can travel to as many countries as he wants, and never have to worry about different currencies and transaction fees. Also, this gives him most value for his dollars and helps b...
by kramer
Tue Oct 17, 2017 4:49 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 76216

Re: Fellow TDA bogleheads

I am one of the many with an HSA at TD Ameritrade (and HSA Bank which uses TD Ameritrade as the brokerage). I can't add money to my HSA anymore, so it is just in maintenance mode for at least 10 more years. I do about one trade per year, reinvesting the dividends thrown off from my existing Vanguard...
by kramer
Thu Oct 12, 2017 5:42 am
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 6206

Re: 2 factor authentication - What if something happens to you?

Regarding two factor authentication, I won't set up anything related to texting due to international travel. I have had multiple friends locked out of their email accounts for this reason (Yahoo, if I recall) ... when they logged into their email in another country, the email demanded secondary auth...
by kramer
Wed Oct 11, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: Ecuador safe to travel and hike?
Replies: 21
Views: 3316

Re: Ecuador safe to travel and hike?

I spent a couple of weeks in Ecuador attending Spanish school (mostly Quito) in 2005. Quito was definitely NOT safe at night. Many of the other students were targeted for theft, even during the daytime. There were some violent incidents in the evening against folks who had been there over a series o...
by kramer
Sun Oct 01, 2017 1:56 am
Forum: Personal Consumer Issues
Topic: International driver license
Replies: 4
Views: 992

Re: International driver license

Just to be clear, it is an International Driving Permit (IDP) ... there is no such thing as an International Driving License. Many countries have signed a treaty or two that makes the IDP system work. In the US, AAA is probably the best place, it is about 15 or 20 dollars now, can all be done while ...
by kramer
Wed Sep 27, 2017 9:11 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 97
Views: 26764

Re: Alternative to Google Finance? [Portfolios feature deprecated]

The Google Finannce app on Android also seems to be completely deprecated, it stopped updating daily stock prices a few weeks ago and so I recently uninstalled it.
by kramer
Tue Sep 26, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Buying 14 Plane Tickets - Sac to Cabo San Lucas
Replies: 14
Views: 2355

Re: Buying 14 Plane Tickets - Sac to Cabo San Lucas

If you live within driving distance of San Diego, you can now get to Tijuana airport by a dedicated pedestrian international pathway from the US side. And when you come back you walk right back to the US side. Flights are probably much cheaper from there.
by kramer
Sun Sep 24, 2017 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 12112

Re: Age you retired

I retired at age 41.

My professional career was 11.75 years long. I have been retired just over 10 years now and am quite happy, and I got to travel around the world over the last decade. No paid employment since retirement.
by kramer
Sun Sep 24, 2017 1:34 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 95
Views: 8204

Re: Do you subscribe to digital newspapers?

I read online only and much prefer that medium. Because of the transition to digital, I read more news not less news. I could never go back to reading stale news on inky paper that I only get once a day and only when I am not traveling. I subscribe to the New York Times, read lots of free stuff, and...
by kramer
Fri Aug 18, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 10666

Re: DUI lawyer - need advice

I don't know what or who a "dc" is?

With a DUI conviction, you will lose your right to visit Canada for 7 years, if that matters to you. They can check your record online at Canadian immigration.
by kramer
Sun Aug 13, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: MiFi for International Travel
Replies: 13
Views: 2032

Re: MiFi for International Travel

I personally just have an old iPhone and toss any sim into that, start up hotspot and bam, done. It has to be an iPhone 5 or newer Verizon model. yes, most of the modern phones can become a hotspot. Both Android and iOS. I no longer see a reason to bother with MiFi when traveling. Also, when I am u...
by kramer
Sat Aug 12, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 37
Views: 5598

Re: Cheapest way to upgrade iPhones ?

The Samsung Galaxy S8, released only about 3 or 4 months ago, is on sale nationally now for $575 due to the impending release of the Samsung Note 8. That is a great value for a state of the art and well reviewed flagship phone. In fact, I think it might foreshadow a trend of lower prices in the futu...
by kramer
Tue Jul 18, 2017 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Tumbling USD -- expats
Replies: 27
Views: 3767

Re: Tumbling USD -- expats

I live abroad in the Philippines. The Philippines peso seems to be somewhat more tied to the dollar than the baht and the US is third leading trade partner. The problem with holding money in your local emerging market country is that as a US citizen you can't invest it in much besides bonds due to P...