Search found 422 matches

by Minot
Tue Sep 29, 2015 4:05 pm
Forum: Investing - Theory, News & General
Topic: Cost to Fund Retirement
Replies: 26
Views: 4126

Re: Cost to Fund Retirement

Residual value is not part of your retirement. E.g., when you die, a DB pension stops, there is no residual value left for theirs. What about self-insuring for long-term care? Do you consider that part of retirement? I do; it's a significant portion of my assets and limits the amount that I am will...
by Minot
Tue Sep 29, 2015 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Investing help for Grandmother
Replies: 13
Views: 1004

Re: Investing help for Grandmother

Tax advantaged should be filled with the bond portion of the allocation, as bonds are tax-inefficient. The remainder of the bonds and all of stocks go in the outside account. If you use a 3 fund portfolio, the tax advantaged account will hold only Total Bond. If her only income other than what this...
by Minot
Sun Sep 27, 2015 10:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead-recognizable wearing apparel?
Replies: 24
Views: 3908

Re: Boglehead-recognizable wearing apparel?

Epsilon Delta wrote:
livesoft wrote:One could simply carry a hardcover book with "Bogleheads" in the title. There are at least a couple to choose from.
Impostor.

A Boglehead would go no higher than a trade paperback.
Preferably used.
by Minot
Tue Sep 22, 2015 8:12 pm
Forum: Investing - Theory, News & General
Topic: VW stock goes from 170 to almost 100 and falling, good time to buy?
Replies: 169
Views: 20079

Re: VW stock goes from 170 to almost 100 and falling, good time to buy?

If you pick about 20 stocks, you are just as diversified as the index or any mutual fund. And ALL are equally exposed to black swam events like this. You seem to be saying that the impact on your portfolio of a steep decline of a single stock is the same whether that stock is one of 20 or 1 of 3814.
by Minot
Mon Sep 21, 2015 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: US$ 500K - what to do? advice needed
Replies: 5
Views: 1252

Re: US$ 500K - what to do? advice needed

Welcome to Bogleheads!

For the time being, leave the money where it is. Spend some time reading, starting with the Wiki on Getting Started. After you've absorbed the information there, and maybe read a couple of the recommended books, come back and ask your question again.
by Minot
Sun Sep 20, 2015 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Please help. Need Advice. Negative Rate of return on 401k and Roth IRA.
Replies: 33
Views: 18019

Re: Please help. Need Advice. Negative Rate of return on 401k and Roth IRA.

does anyone have any thoughts or opinion on using Roth IRA as a back up emergency fund? http://www.investopedia.com/articles/personal-finance/040714/how-use-your-roth-ira-emergency-fund.asp Here's a Wiki page that will give you good info on using Roth IRA as an emergency fund. Welcome to the Forum.
by Minot
Sat Sep 19, 2015 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Where should I put $300K?!?!
Replies: 25
Views: 4959

Re: Where should I put $300K?!?!

Welcome to the forum, Young44. The reason others have been reluctant to answer your question about what you should do with your $300,000 is that an educated answer depends on how the rest of your portfolio is invested, what your desired asset allocation is, what your tax situation is, etc. Consider ...
by Minot
Sat Sep 19, 2015 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Or Pre-Tax - If I'm In 35% Tax Bracket
Replies: 28
Views: 3120

Re: Roth Or Pre-Tax - If I'm In 35% Tax Bracket

Apples and oranges. The $18,000 pre-tax 401k cost you $18,000 to buy. The $18,000 Roth cost you $25,133. Had you purchased the 401k and invested $4306.19 ($7133 minus taxes, since you're presumably out of tax-defered space) at 7% for 35 years you end up with $45,973, plus the $187,000 in your 401k.
by Minot
Sat Sep 19, 2015 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice. 24 yr/old young professional sold life insurance by NML.
Replies: 68
Views: 7969

Re: Looking for advice. 24 yr/old young professional sold life insurance by NML.

I am a 24 year old engineer making 60k a year, I was recently sold life insurance by a Northwestern Mutual agent. He works for my significant other's brother who is a managing director in a successful office for them.... I can see why you are reluctant to recognize how poorly you have been served b...
by Minot
Tue Sep 15, 2015 9:05 pm
Forum: Personal Consumer Issues
Topic: Formal Dinnerware
Replies: 82
Views: 7491

Re: Formal Dinnerware

You're also going to need glassware.
by Minot
Tue Sep 08, 2015 12:48 pm
Forum: Forum Issues and Administration
Topic: What are the most viewed threads ever?
Replies: 25
Views: 3936

Re: What are the most viewed threads ever?

So far, all the answers have been from the Investing - Theory, News & General sub-forum. If you take the question as written, then the winner is clearly What Book Are You Currently Reading: Part V at 1,324,452 views. I think a good case could be made that all 6 parts together make up one thread: Al...
by Minot
Tue Sep 08, 2015 11:41 am
Forum: Forum Issues and Administration
Topic: What are the most viewed threads ever?
Replies: 25
Views: 3936

Re: What are the most viewed threads ever?

So far, all the answers have been from the Investing - Theory, News & General sub-forum. If you take the question as written, then the winner is clearly What Book Are You Currently Reading: Part V at 1,324,452 views. I think a good case could be made that all 6 parts together make up one thread: Ale...
by Minot
Sat Sep 05, 2015 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Strategies for RMDs [Required Minimum Distributions]
Replies: 57
Views: 10062

Re: Strategies for RMDs [Required Minimum Distributions]

If you are planning to make QCDs in the hope that the law that allows them will be renewed, then you have to wait until your donations have been completed and then withdraw the remains of the RMD. If you know what you want to donate, you can accelerate the donations to the early part of the year. T...
by Minot
Sun Aug 30, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Work adjustment options
Replies: 25
Views: 3217

Re: Poll: Work adjustment options

FWIW. My experience in going from a 40 hr week to at 20 hour week was that work went from being something that defined my life to being just one of the ways I spent my time. At 32 hours the "felt" experience was much more like 40 hrs than like 20. (My 20 hrs were for some periods 5 4hr days/wk, and ...
by Minot
Thu Aug 27, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Hike the Pacific Crest Trail/JMT
Replies: 74
Views: 10042

Re: Hike the Pacific Crest Trail/JMT

I've hiked the AT, the PCT (and by extension, the JMT) and just returned from a month on the CDT. The JMT is incredibly beautiful in a rugged sort of way. My tips would be: 1. Make sure to visit VVR (Vermillion Valley Resort) 2. Camp at Guitar Lake and summit Mt. Whitney in the pre-dawn hours to wa...
by Minot
Thu Aug 27, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice in a hostile office now
Replies: 43
Views: 10400

Re: Seeking advice in a hostile office now

Thanks a lot... To be frank, it's been incredibly stressful than I thought it would be. Couldn't get good sleep, and then headache, etc.. Try to keep my cool for now but need to get my act together to consider and carry on your advices.. I hope I'm not going outside the Forum guidelines by suggesti...
by Minot
Sun Aug 23, 2015 8:34 pm
Forum: Forum Issues and Administration
Topic: How do I insert a quote in my post?
Replies: 7
Views: 3001

Re: How do I insert a quote in my post?

gkaplan wrote:Moe, you need to click on the quotes sign in the upper right hand box of the post you want to quote.
Or, in the Post box, type or copy the text you want to quote, then select it, and then click on the Quote tag.
by Minot
Wed Aug 19, 2015 1:31 pm
Forum: Personal Consumer Issues
Topic: Manhattan Hotels that offer two single beds in a room. Need to book.
Replies: 13
Views: 2067

Re: Manhattan Hotels that offer two single beds in a room. Need to book.

Consider Airbnb. One of the filters you can choose when searching is number of beds.
by Minot
Sun Aug 16, 2015 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in the house
Replies: 80
Views: 8984

Re: Cash in the house

I keep cash around for emergencies like an Earthquake. An ATM will probably not work after a quake and power loss. Cash will be king. Need plenty of small change. Banks pay just a scant more than a mattress. Been waiting for that BIG Quake in So California for decades now…. investor +1, except I'm ...
by Minot
Sat Aug 15, 2015 1:50 pm
Forum: Personal Consumer Issues
Topic: Advertising/Marketing Rural Raw Land
Replies: 20
Views: 2043

Re: Advertising/Marketing Rural Raw Land

Have you looked into LandWatch?
by Minot
Wed Aug 05, 2015 7:04 pm
Forum: Personal Consumer Issues
Topic: Furniture Pads for moving
Replies: 12
Views: 1387

Re: Furniture Pads for moving

You could also check with Penske. About 3/4 down the page.
by Minot
Wed Jul 22, 2015 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 61
Views: 6773

Re: Do Bogleheads plan to utilize Independent Living facilities?

............... how LTCi and CCRC's work together? Is the insurance redundant? Yes, it is. No, it is not, at least at many if not most CCRC's. You can use your LTCi to cover qualified costs, either those included as part of your CCRC monthly fee, or as added fee-for-service. In Independent Living, ...
by Minot
Sun Jul 19, 2015 7:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3899
Views: 1090124

Re: What Movie Have You Recently Watched?

Rattlesnake wrote:Longmire, on Netflix....

We thinks it's good....
I liked the books better.
by Minot
Wed Jul 08, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: Vanguard phonecall asking for personal information
Replies: 47
Views: 6260

Re: Vanguard phonecall asking for personal information

I'm reading this the day after I got a call from a Vanguard agent who started the conversation by telling me the reason he was calling, which involved a transaction which I had initiated by mail, and then asked me to answer one of my security questions (which could well have been the city of my birt...
by Minot
Tue Jun 16, 2015 6:13 pm
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 8867

Re: The Grand Canyon

mbk734: After three trips around the world, The Grand Canyon in the United States is the most spectacular "nature destination" that I have seen. Best wishes. Taylor And the most powerful way to see it is to take a 2-week long oar-powered raft trip through it, in October. The October part is importa...
by Minot
Sun Jun 14, 2015 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Unwise to keep funds at one bank?
Replies: 32
Views: 5146

Re: Unwise to keep funds at one bank?

I was told, but did not verify, that the FDIC insurance has 99 years (fine print) to make good on the money. If that is the case, you may want to have diversity. All it took for me to verify that this is NOT true was Googling fdic 99 years. Top result was an FDIC page which says, MISCONCEPTION 5: T...
by Minot
Mon May 25, 2015 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: When is it safe to share financial details with gf, future wife
Replies: 53
Views: 7028

Re: When is it safe to share financial details with gf, future wife

And, okay, I'll go ahead and say it: your post begs the question, how good is the communication between you two? Because it seems weird to me that you're planning to marry someone you obviously don't know that much about. Huh?!? OP says "we are on the same page as far as LBYM, investing, no debt, e...
by Minot
Thu May 21, 2015 12:35 pm
Forum: Investing - Theory, News & General
Topic: Investment Priority turned upside down?
Replies: 8
Views: 1391

Re: Investment Priority turned upside down?

The usual advice is to favor tax-deferred accounts over taxable. "Investing in a prioritized order will maximize the tax efficiency of a portfolio." https://www.bogleheads.org/wiki/Prioritizing_investments Similar reasoning favors Roth conversions using taxable savings to cover the tax. But this pr...
by Minot
Thu May 21, 2015 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Advice for younger friend
Replies: 11
Views: 1150

Re: Advice for younger friend

myrrh wrote:You told him to do this in a Roth IRA, not a taxable account, right?
Assuming he has earned income. Does he have access to a 401K, 403b, etc., and does it provide a match? If so, that should be his choice rather than the Roth, since the match is free money.
by Minot
Mon May 18, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Forbes article by Wade Pfau: Improving Retirement Outcomes with Investments, Life Insurance, and Income Annuities
Replies: 42
Views: 6804

Re: Forbes article by Wade Pfau: Improving Retirement Outcomes with Investments, Life Insurance, and Income Annuities

Fortunately, being single and expecting to continue so, I don't have to figure out whether Wade's article has value for me; it clearly does not apply.
by Minot
Sat May 02, 2015 9:47 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 5890

Another issue with the new format

I usually have several tabs open, and switch back and forth between them. Up to this point if I was in the Bogleheads Forum, no matter where, the tab read "Bogleheads.org." Now it shows the subject line of the topic, which my 78 year old brain finds confusing. As a browser of Bogleheads who is also ...
by Minot
Thu Apr 30, 2015 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares - Is there any disadvantage to them?
Replies: 15
Views: 3595

Re: Admiral Shares - Is there any disadvantage to them?

And my experience has been that if my Admiral fund dips below $10,000 due to market decline (as opposed to my withdrawals), Vanguard has not downgraded it.
by Minot
Thu Apr 23, 2015 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling An RMD Into A Roth
Replies: 7
Views: 1098

Re: Rolling An RMD Inro A Roth

If you're referring to the Amy Chain/Joel Dickenson video dated Mar 23, 2015, he is suggesting using Roth conversions in order to avoid future RMDs, though in context of the discussion, it's not altogether surprising that you didn't pick up on the conversion part. It's clearer in the transcript.
by Minot
Wed Apr 15, 2015 7:52 am
Forum: Personal Finance (Not Investing)
Topic: 2015 tax effects of missed 2014 RMD
Replies: 7
Views: 848

Re: 2015 tax effects of missed 2014 RMD

If you filed the 5329 correctly and advised that you made up the missed 2014 RMD, you will likely never hear further from the IRS and that means the waiver was approved. How the RMD delinquency affects your 2014 or 2015 tax bill has never been a factor in whether the IRS waives the penalty or not. ...
by Minot
Tue Apr 14, 2015 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 tax effects of missed 2014 RMD
Replies: 7
Views: 848

2015 tax effects of missed 2014 RMD

A little after 2 PM on 12/31, it suddenly hit me that I had neglected to take about $13,000 of RMD on my Vanguard IRA. This would have been no problem if I lived on the East Coast, or even in the CST zone, but I'm in California. I went ahead and ordered the distribution online, but of course, it did...
by Minot
Sun Apr 12, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Forgot to take RMD.. now what?
Replies: 29
Views: 4659

Re: Forgot to take RMD.. now what?

Received 2014 RMD confirmation statement from Vanguard Nov 2014. Contacted Vanguard Feb 17, 2015 re: income taxes withheld on RMD and informed Vanguard had not disbursed 2014 RMD. Instructed Vanguard to disburse RMD and withhold associated federal taxes. Was my understanding that distribution would...
by Minot
Sun Mar 29, 2015 7:53 pm
Forum: Investing - Theory, News & General
Topic: MRD and charitable contributions
Replies: 10
Views: 1082

Re: MRD and charitable contributions

My understanding is that this option is only available to those required to start RMDs. Is this correct? Ralph Yes, R in RMD stands for Required Minimum Distribution. The "Yes" in this response is correct but the rest of it isn't altogether clear, at least not to me. You have to be at least 70 1/2 ...
by Minot
Sun Mar 29, 2015 3:41 pm
Forum: Investing - Theory, News & General
Topic: How to invest to give back?
Replies: 30
Views: 3212

Re: How do you invest to give back?

You can also donate via your IRA. See this IRS website: Charitable Donations from IRAs Unfortunately, this option is currently expired. The House passed a bill (H.R. 644) in February to make it permanent, but the the Senate has yet to act on it. Consider contacting your Senators and/or members of t...
by Minot
Thu Mar 26, 2015 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: A Vanguard transfer issue... Thoughts?
Replies: 12
Views: 1461

Re: A Vanguard transfer issue... Thoughts?

Good for Vanguard, and thanks for posting the outcome.
by Minot
Mon Jan 19, 2015 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Two CSRS Fed Employees Retiring 2015 - Need Input Please!
Replies: 49
Views: 5918

Re: Two CSR Fed Employees Retiring 2015 - Need Input Please!

tt122209 wrote: Roth Vanguard Total Intl Stock Market Admiral - $120,000 + $6,500 annually
Not sure what you mean by "+$6,500 annually". Once you are retired you will no longer have earned income, so you will not be able to contribute more to your Roth (or any other IRA).
by Minot
Mon Jan 19, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: Ladybugs! How do I get rid of them!
Replies: 20
Views: 2521

Re: Ladybugs! How do I get rid of them!

Well, it's all relative. I have one that has lived with me for about 3 months now. Her name is Matilda and we get along just fine. She will live to be 2-3 yrs. old. She is far cheaper than our cat re food and kitty litter and she makes less noise. She isn't noisy and doesn't make any demands; she j...
by Minot
Sat Jan 17, 2015 2:10 pm
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 4799

Re: Options for moving our pets across country

Wife and I are retiring and will be moving from Virginia to Oregon next July . This is your major problem. Airlines are unlikely to accept your pet either as cargo or checked baggage. Leaving pets in the SUV while you stop to eat and/or sightsee will likely not be possible, unless you can come up w...
by Minot
Fri Jan 16, 2015 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 12257

Re: This topic is causing stress in marriage we need some he

I think the part time stay at home instead of working more full time Dad has not made it clear why it's necessary for him to do that vs. the child having some perhaps more advantageous time in a socialized setting in day care. I only work part time right now because I still need to be here at home ...
by Minot
Tue Jan 06, 2015 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help my 67 y/o mother retire
Replies: 14
Views: 2320

Re: Help my 67 y/o mother retire

Assuming that she actually wants your advice, you need to start by finding out what it's costing her to have her assets managed the way she's got them. Talk with her about Fidelity's costs, since she doesn't have the same emotional connection there. Fido's website says their adviser's fee varies bet...
by Minot
Sat Jan 03, 2015 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Where does someone in their mid-20s with $5000 start?
Replies: 30
Views: 5003

Re: Where does someone in their mid-20s with $5000 start?

Hi, I'm 31 now with around 100k on a middle class income and started reading this forum and focusing on personal finance in my mid 20s. I remember accumulating specifically my first 5k and wondering what to do. I ended up using it to pay off a student loan of about that much. I think the hard thing...
by Minot
Sat Dec 06, 2014 12:43 am
Forum: Investing - Help with Personal Investments
Topic: Do RMDs at 30 years old affect typical investment guidelines
Replies: 13
Views: 2055

Re: Do RMDs at 30 years old affect typical investment guidel

Most of my angst comes from what will happen when the RMDs get into the 6 figures, and really what I should be doing now to minimize my tax liability. Be sure that your RMD numbers are correct. If your RMD's will actually be that large then there could be significant estate tax issues that might be...
by Minot
Sat Nov 22, 2014 12:07 am
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's portfolio
Replies: 19
Views: 3851

Re: Help with Mom's portfolio

You didn't post the ticker symbols for Vanguard Institutional Index Fund (.04%) Vanguard Mid-Cap Index fund (.08%) Vanguard Small-Cap Growth Index Fund (.08%) Vanguard Small-Cap Value Index Fund (.08%) but some combination of them will duplicate the Total Stock Market Index Those in combination wit...
by Minot
Wed Nov 19, 2014 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Sanity check please
Replies: 3
Views: 676

Re: Sanity check please

Have you read the Wiki on tax-adjusted asset allocation?
by Minot
Thu Oct 30, 2014 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: That stress-relieving thing you do at work
Replies: 45
Views: 4326

Re: That stress-relieving thing you do at work

JupiterJones wrote:Mindfulness Meditation.
^This.
I've found this websitefrom UCLA's Mindful Awareness Research Center very useful.