Search found 6724 matches

by rkhusky
Sun Jun 30, 2019 7:25 am
Forum: Personal Finance (Not Investing)
Topic: dependent care FSA/child tax decution affects on MAGI
Replies: 10
Views: 696

Re: dependent care FSA/child tax decution affects on MAGI

dred pirate wrote:
Sat Jun 29, 2019 10:56 am
2. Child Care tax credit - this does NOT affect MAGI because it is a tax credit - correct?
Note that the Child Tax Credit doesn’t have anything to do with expenses for childcare.
by rkhusky
Fri Jun 28, 2019 7:39 am
Forum: Investing - Theory, News & General
Topic: Spousal Consent Required for 401(k) Plan Withdrawals or Rollovers?
Replies: 24
Views: 2074

Re: Spousal Consent Required for 401(k) Plan Withdrawals or Rollovers?

HomeStretch wrote:
Wed Jun 26, 2019 6:42 am
But, if required, a signature shouldn’t be too hard to obtain from a spouse.
Often the signature needs to be notarized on a paper form and mailed, which is more of a hassle. Especially if you want to do multiple withdrawals per year.
by rkhusky
Fri Jun 28, 2019 7:34 am
Forum: Personal Investments
Topic: Should I bother trying to replicate Total US Stock Market in my 401k?
Replies: 25
Views: 1680

Re: Should I bother trying to replicate Total US Stock Market in my 401k?

You won’t know if it makes a difference until after the fact. I would add the small caps since there is no added cost and very little extra effort.
by rkhusky
Tue Jun 25, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica - Yes or No
Replies: 29
Views: 1904

Re: Chrysler Pacifica - Yes or No

Cars are significantly more reliable than they were 20-30 years ago. That ancient history colors many people's perceptions of today's reliability. And one should look at absolute reliability, along with relative reliability - just like one should look at absolute ER, along with relative ER, in compa...
by rkhusky
Mon Jun 24, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Are 529 contributions tax deductible in California?
Replies: 9
Views: 989

Re: Are 529 contributions tax deductible in California?

hammond wrote:
Mon Jun 24, 2019 1:33 am
Are 529 contributions tax deductible in California? Or are they from after-tax money?
As noted above, no.

Therefore, you might as well look around at other states' plans to see if any are better than CA in terms of choices, fees, ease-of-use, etc.
by rkhusky
Mon Jun 24, 2019 7:02 am
Forum: Personal Investments
Topic: Rebalancing a portfolio bloated with ESPP stocks
Replies: 6
Views: 616

Re: Rebalancing a portfolio bloated with ESPP stocks

5. Now that most of US stocks are in MSFT and hence in Large Cap Growth, does it make sense for me to not invest in VTSMX but instead in an index fund that tracks more of Mid cap and Small cap? Don't fall for the company name fallacy. That is, if the largest companies all split into many different ...
by rkhusky
Mon Jun 24, 2019 6:46 am
Forum: Investing - Theory, News & General
Topic: 72(t) SEPP: What did you do at 59 1/2?
Replies: 5
Views: 604

Re: 72(t) SEPP: What did you do at 59 1/2?

DRiP Guy wrote:
Mon Jun 24, 2019 5:48 am
It might be interesting to know what people who started a SEPP did when they reached 59 1/2 and could begin to take unlimited distributions.
Has it been more than 5 years since your first payment? (The requirement is age 59.5 or 5 years, whichever is longer)
by rkhusky
Sun Jun 23, 2019 9:07 pm
Forum: Personal Investments
Topic: I don't understand which accounts to place investments in
Replies: 6
Views: 797

Re: I don't understand which accounts to place investments in

401k's have more limited choices. Look at the funds with the lowest expense ratios (er's). If there is a reasonably priced total bond fund, place it in the 401k. Put either US or International in 401k. Put US and International in Roth IRA. Rebalance between stocks and bonds in 401k. Rebalance betwee...
by rkhusky
Sun Jun 23, 2019 8:03 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 22838

Re: Crypto bulls are back. Are you getting in?

Definitely got in and already more than tripled my money. High risk = high return. There are some other possibilities that come with taking on high risk. Beanie Babies. Sometimes the risk shows up. The higher the risk, the more likely the risk will show up. High risk = chance of high return Even if...
by rkhusky
Sun Jun 23, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4378

Re: Radon levels in home

A little off subject. My house is 15 years old and has a passive Radon mitigation system (no fan) connected to the sump. When the house was built the radon level was 1 and now it is 3.9. I plan on adding a passive mitigation fan to the 3 inch PVC pipe in the attic. My question is how do you determi...
by rkhusky
Sun Jun 23, 2019 6:42 am
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4378

Re: Radon levels in home

It's worth noting that radon is a great deal heavier than air, and as a result will tend to accumulate in the basement. Not what I've heard. If true, why does it enter the house from the ground? In thinking about this some more, there are probably a number of effects happening. One is the tendency ...
by rkhusky
Sat Jun 22, 2019 7:48 pm
Forum: Personal Investments
Topic: Rebalancing to Oblivion
Replies: 46
Views: 3812

Re: Rebalancing to Oblivion

So, what I’m wondering is – is our 50/50 allocation too high if we can’t stomach our portfolio dropping by much more than half? Is it reasonable to describe a point in our IPS where we stop rebalancing into stocks? Very unlikely that a 50/50 portfolio would drop by half. As others have mentioned, t...
by rkhusky
Sat Jun 22, 2019 7:37 pm
Forum: Personal Investments
Topic: Best TLH partner for Total Stock Market (VTSAX)?
Replies: 16
Views: 1175

Re: Best TLH partner for Total Stock Market (VTSAX)?

How is this not a wash sale? Index 500 has 500 stocks, Total Stock Market has 3600 stocks. Hardly "substantially identical". Extended Market has a median market cap of $4.6B. Total Stock Market has a median market cap of $68.6B. Again, hardly "substantially identical". Wash sales are evaluated by m...
by rkhusky
Sat Jun 22, 2019 7:35 pm
Forum: Personal Investments
Topic: Best TLH partner for Total Stock Market (VTSAX)?
Replies: 16
Views: 1175

Re: Best TLH partner for Total Stock Market (VTSAX)?

I used Large Cap Index because I have 500 Index in my IRA's.
by rkhusky
Sat Jun 22, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4378

Re: Radon levels in home

adamthesmythe wrote:
Sat Jun 22, 2019 12:52 pm
It's worth noting that radon is a great deal heavier than air, and as a result will tend to accumulate in the basement.
Not what I've heard. If true, why does it enter the house from the ground?
by rkhusky
Sat Jun 22, 2019 2:20 pm
Forum: Personal Investments
Topic: Rebalancing to Oblivion
Replies: 46
Views: 3812

Re: Rebalancing to Oblivion

So, what I’m wondering is – is our 50/50 allocation too high if we can’t stomach our portfolio dropping by much more than half? Is it reasonable to describe a point in our IPS where we stop rebalancing into stocks? Very unlikely that a 50/50 portfolio would drop by half. As others have mentioned, t...
by rkhusky
Sat Jun 22, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4378

Re: Radon levels in home

A "closed" house will have the highest readings since no fresh air from windows/doors will dilute the radon. Is this necessarily true? Seems like it would depend on the outside temperature - i.e. if it is cold outside, then opening a window upstairs would cause warmer air to flow out of the house c...
by rkhusky
Fri Jun 21, 2019 8:29 am
Forum: Personal Investments
Topic: TSP Allocation for Retirement
Replies: 12
Views: 1260

Re: TSP Allocation for Retirement

So given the above - would most of you ditch the F and just put 50% in G and maybe add back some F Fund after interest rates go up a few points? I was 50/50 G/F for quite awhile, but then decided to go 100% G for bonds in the TSP and add corporate bonds in other accounts to approximately match the ...
by rkhusky
Thu Jun 20, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4378

Re: Radon levels in home

Not to hijack the thread but after bidding wars and losing two homes in MA we waived the radon test in the house that we're buying. I just assume that all basements in the NE have radon so I'm just planning on getting a remediation system without testing first. Does that make sense or does the rado...
by rkhusky
Thu Jun 20, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: Tree stump, can't use a stump grinder. Solution?
Replies: 64
Views: 5661

Re: Tree stump, cant use a stump grinder. Solution?

Hire someone to carve the stump into a lawn/garden gnome.
by rkhusky
Thu Jun 20, 2019 2:28 pm
Forum: Personal Investments
Topic: Roth & TSP Allocation Question
Replies: 14
Views: 906

Re: Roth & TSP Allocation Question

Re: moving $25k rollover IRA into her Roth, any reason not to do it all at once and get it over with as opposed to doing it in chunks? I'm MFJ in the 24% federal bracket and 0% for state. That would be about $6K in extra taxes. If there are no other tax implications and you want to move it, then it...
by rkhusky
Thu Jun 20, 2019 1:43 pm
Forum: Personal Investments
Topic: Roth & TSP Allocation Question
Replies: 14
Views: 906

Re: Roth & TSP Allocation Question

aeaiaea wrote:
Thu Jun 20, 2019 12:51 pm
I can't thank you enough for your advice! With regard to your comment immediately above, is there any reason to favor changing the rollover IRA's fund from 2045 to VTWAX before versus after the move?
No reason that I can think of.
by rkhusky
Thu Jun 20, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: Tree stump, can't use a stump grinder. Solution?
Replies: 64
Views: 5661

Re: Tree stump, cant use a stump grinder. Solution?

For a freshly cut tree, I recommend stump grinding, followed by drilling holes and filling with straight Roundup, as well as spreading on the cut surface, to kill the roots.
by rkhusky
Thu Jun 20, 2019 11:53 am
Forum: Personal Investments
Topic: Roth & TSP Allocation Question
Replies: 14
Views: 906

Re: Roth & TSP Allocation Question

A question about moving the rollover IRA into her Roth - if I am going to switch the Roth's from 2045 to VTWAX should I also switch the rollover IRA to VTWAX ahead of this move? Changes in funds to a Roth and Rollover IRA are not taxable events, correct? Moving from a Traditional IRA to a Roth IRA ...
by rkhusky
Thu Jun 20, 2019 11:52 am
Forum: Personal Investments
Topic: TSP Allocation for Retirement
Replies: 12
Views: 1260

Re: TSP Allocation for Retirement

The F Fund contains about 35% corporate bonds, which are much riskier than the G Fund. The 65% Treasuries in F Fund are about the same risk as the G Fund. The G Fund has done better in recent years while interest rates have risen a bit. The F Fund generally did better in the 10-20 years before that ...
by rkhusky
Thu Jun 20, 2019 11:01 am
Forum: Personal Investments
Topic: Roth & TSP Allocation Question
Replies: 14
Views: 906

Re: Roth & TSP Allocation Question

Just be aware that maximizing efficiency also means added maintenance. If I'm being honest, I really do not like the idea of added maintenance. Perhaps the happy medium is to move all of her $25k rollover IRA to her Roth (moving to her 403b is not an option due to high fees) this year, and switch h...
by rkhusky
Thu Jun 20, 2019 10:49 am
Forum: Personal Investments
Topic: TSP Allocation for Retirement
Replies: 12
Views: 1260

Re: TSP Allocation for Retirement

I'm retired and looking for advice on my TSP Allocation. I haven't begun disbursements from this fund yet but want to follow a 4% per year withdrawal rate hoping to make my balance last for 30 years. I'm currently invested as follows: C (40%) S (10%) G (44%) F (6%). My primary question is what do y...
by rkhusky
Thu Jun 20, 2019 7:32 am
Forum: Investing - Theory, News & General
Topic: Dividend payouts and tax loss harvesting in taxable account
Replies: 6
Views: 567

Re: Dividend payouts and tax loss harvesting in taxable account

I was looking more into how to approach portfolio rebalancing in the future and if I need to avoid the times around dividend payouts to rebalance or not if I am at a loss within my taxable holdings and I hold a very similar index fund in another account. Note that the fund in the other account need...
by rkhusky
Thu Jun 20, 2019 7:19 am
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4378

Re: Radon levels in home

Are there potential risks associated with radon mitigation? For example, could you get water in your basement from drilling. I''m not suggesting it should not be done. Just asking a question. Not if done properly. There are a number of problems that could arise, if done improperly, depending on the...
by rkhusky
Thu Jun 20, 2019 7:15 am
Forum: Personal Investments
Topic: tIRA to Roth conversion question
Replies: 5
Views: 470

Re: tIRA to Roth conversion question

Next time try moving it over to the Roth within a day or two.
by rkhusky
Thu Jun 20, 2019 7:11 am
Forum: Personal Investments
Topic: What are you suppose to do with money earned from dividends?
Replies: 10
Views: 1725

Re: What are you suppose to do with money earned from dividends?

It is simple to manage the traditional mutual fund account,the controls for managing mutual funds that are in the new brokerage accounts holding mutual funds may be more complicated but there should be a way It's no more difficult on the brokerage platform then it is on the older mutual fund platfo...
by rkhusky
Thu Jun 20, 2019 7:03 am
Forum: Personal Investments
Topic: Roth & TSP Allocation Question
Replies: 14
Views: 906

Re: Roth & TSP Allocation Question

Just be aware that maximizing efficiency also means added maintenance. You also have to decide if you want different asset allocations for his and hers. One option is to go all stock (e.g. Total World) in everything but the TSP. Put all bonds in the G Fund in the TSP and then the rest into C, S and ...
by rkhusky
Thu Jun 20, 2019 6:48 am
Forum: Investing - Theory, News & General
Topic: Yes -- Another Tilting Post
Replies: 11
Views: 852

Re: Yes -- Another Tilting Post

Okay, another question from a boglehead newbie, two years into the boglehead philiosophy. Every time I look at my total stock market fund (FSKAX) I wonder why I would want to have 17.69% of my stock holdings in ten companies. Why shouldn't one diversify more? So, you would be happier if those large...
by rkhusky
Wed Jun 19, 2019 9:55 pm
Forum: Investing - Theory, News & General
Topic: Would it cause any problems reinvesting dividends a couple days after they are paid?
Replies: 14
Views: 921

Re: Would it cause any problems reinvesting dividends a couple days after they are paid?

If your reinvested dividends purchase shares in a fund within 30 days+- of selling shares of that fund for a loss, then yes there is a wash sale. True whether auto-reinvested or not.
by rkhusky
Wed Jun 19, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Accidentally contributed to tIRA instead of Roth
Replies: 3
Views: 272

Re: Accidentally contributed to tIRA instead of Roth

Recharacterization makes it as if it was always contributed to Roth. No after effects.

See https://www.bogleheads.org/wiki/IRA_recharacterization

BTW, it is only post-tax if you don't take the deduction. And your income level has to support taking the deduction.
by rkhusky
Tue Jun 18, 2019 10:14 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Has The Value Trade Become Overcrowded.
Replies: 64
Views: 4909

Re: Larry Swedroe: Has The Value Trade Become Overcrowded.

<<So, in essence you have a modest tilt towards value stocks, both small and large. >> 36% of my overall portfolio is in the value stocks. This is out of a 60/40 AA. Do you consider this as a modest tilt? But 24% is in growth stocks. The delta is 12%. So, there is about a 20% tilt, which is modest....
by rkhusky
Tue Jun 18, 2019 9:15 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Has The Value Trade Become Overcrowded.
Replies: 64
Views: 4909

Re: Larry Swedroe: Has The Value Trade Become Overcrowded.

<<So, in essence you have a modest tilt towards value stocks, both small and large. >> 36% of my overall portfolio is in the value stocks. This is out of a 60/40 AA. Do you consider this as a modest tilt? But 24% is in growth stocks. The delta is 12%. So, there is about a 20% tilt, which is modest....
by rkhusky
Tue Jun 18, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 388
Views: 15408

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

In looking at the real world example for the Traditional vs. Roth page, I noticed some confusing language. I tried to clarify things but had to revert the changes because I kept getting tripped up in the language and don't have time to unsort it right now. First was the use of "marginal savings rate...
by rkhusky
Tue Jun 18, 2019 6:48 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Has The Value Trade Become Overcrowded.
Replies: 64
Views: 4909

Re: Larry Swedroe: Has The Value Trade Become Overcrowded.

rkhusky, You are approaching from a tactical/market timing standpoint. I am approaching from a strategic point of view. I am building a portfolio that does not require me to know anything about the current market. I do not have to know whether LG is overvalued or now. I am tilted towards LV. If and...
by rkhusky
Mon Jun 17, 2019 8:47 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Has The Value Trade Become Overcrowded.
Replies: 64
Views: 4909

Re: Larry Swedroe: Has The Value Trade Become Overcrowded.

I know that the market is not efficient all the time. Depends what it is meant by efficient. Does it mean that public information is quickly incorporated into market prices? Or does it mean that no one can make money betting against the market? Does efficiency mean that current market prices are ex...
by rkhusky
Mon Jun 17, 2019 7:40 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Has The Value Trade Become Overcrowded.
Replies: 64
Views: 4909

Re: Larry Swedroe: Has The Value Trade Become Overcrowded.

I know that the market is not efficient all the time. Depends what it is meant by efficient. Does it mean that public information is quickly incorporated into market prices? Or does it mean that no one can make money betting against the market? Does efficiency mean that current market prices are ex...
by rkhusky
Mon Jun 17, 2019 5:05 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Has The Value Trade Become Overcrowded.
Replies: 64
Views: 4909

Re: Larry Swedroe: Has The Value Trade Become Overcrowded.

I know that the market is not efficient all the time. Depends what it is meant by efficient. Does it mean that public information is quickly incorporated into market prices? Or does it mean that no one can make money betting against the market? Does efficiency mean that current market prices are ex...
by rkhusky
Mon Jun 17, 2019 3:06 pm
Forum: Personal Investments
Topic: Partial wash sale calculation
Replies: 2
Views: 212

Re: Partial wash sale calculation

The example scenario in the below Motley Fool article seems to suggest that 12% of my loss will be disallowed, as I re-purchased 12% of the sold share quantity ... 89 / (285+443) = 12%. Is that how the calculation actually works to determine the washed out component? It goes by number of shares. 89...
by rkhusky
Sun Jun 16, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4378

Re: Radon levels in home

Additionally, we just had a new furnace and air conditioner installed and the furnace has a variable speed motor, which means the fan is always on, taking air from the entire house and essentially recirculating it to eliminate temperature fluctuations. I have a furnace with a variable speed motor, ...
by rkhusky
Sat Jun 15, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home without income
Replies: 8
Views: 1403

Re: Buying a home without income

Can you set up an automatic monthly withdrawal and count that as income?
by rkhusky
Sat Jun 15, 2019 7:23 am
Forum: Personal Investments
Topic: Vanguard security
Replies: 40
Views: 3279

Re: Vanguard security

Just had to reset the 2FA and after the reset the web site had this message when trying to log in: You must sign up to receive security codes When it comes to account security, everyone has a role to play. So we're now requiring you to sign up to receive security codes. These codes provide a type o...
by rkhusky
Fri Jun 14, 2019 9:39 pm
Forum: Investing - Theory, News & General
Topic: Wellington VS Balanced Index
Replies: 36
Views: 6321

Re: Wellington VS Balanced Index

Along with large value stocks, Wellington’s bonds are mainly corporate, which are more risky, but have higher expected return, than the Treasuries that dominate Total Bond.
by rkhusky
Fri Jun 14, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 388
Views: 15408

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

Marginal tax rate is the tax rate on a change in income (i.e. change in tax/change in income). To emphasize the "change" calculation, the marginal rate is often described as the tax rate on the "next dollar" or "last dollar" of income. However, due to the way the tax code is written (particularly t...
by rkhusky
Fri Jun 14, 2019 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 388
Views: 15408

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

Marginal tax rate is the tax rate on a change to income, not the tax rate on one's entire income. To emphasize the "change to" calculation, the marginal rate is often described as the tax rate on the "next dollar" or "last dollar" of income. Due to the way the tax code is written, however, actual t...