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Re: Disabled parent looking to invest for the first time

Thank you, yes, we're aware of the huge bill coming!
by 1x85zn
Tue Mar 04, 2014 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Disabled parent looking to invest for the first time
Replies: 19
Views: 1219

Re: Is it possible to sign up for vanguard online?

Just wondering if the site is having a technical issue or if its something that plans on getting resolved. Thanks.
by 1x85zn
Tue Mar 04, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Is it possible to sign up for vanguard online?
Replies: 8
Views: 978

Is it possible to sign up for vanguard online?

I've been trying to help people enroll in Vanguard.com, but the registration links gives an error: "We are unable to register you for online account access. Please contact us by phone for assistance." Does anyone know if there is a workaround or if calling vanguard is the only solution?
by 1x85zn
Tue Mar 04, 2014 12:16 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to sign up for vanguard online?
Replies: 8
Views: 978

Re: Disabled parent looking to invest for the first time

If anyone can tell me the best resource to help with this situation, please let me know. We are lost...
by 1x85zn
Thu Feb 27, 2014 10:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Disabled parent looking to invest for the first time
Replies: 19
Views: 1219

Re: Disabled parent looking to invest for the first time

I'm certain she will pay off the bulk of the mortgage. We're still stumped on who to call for advice? Clearly the Social Security+Medicaid+Disability+Health Care components complicate things. The zipcode is [(removed)] if anyone has recommendations. [I removed the zip code because the combination of...
by 1x85zn
Thu Feb 27, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Disabled parent looking to invest for the first time
Replies: 19
Views: 1219

Re: Disabled parent looking to invest for the first time

Thanks. I have reached out to her Social Security lawyer to see if he knows anyone who can help.
by 1x85zn
Thu Feb 27, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Disabled parent looking to invest for the first time
Replies: 19
Views: 1219

Re: Disabled parent looking to invest for the first time

Thanks. We agree that 9.5% interest was a top priority, but she has bad credit and refinancing was out of the picture. Who does she need to call for advisement?
by 1x85zn
Wed Feb 26, 2014 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Disabled parent looking to invest for the first time
Replies: 19
Views: 1219

Re: Disabled parent looking to invest for the first time

I can't stop the gifts because these are her wishes. But thank you, this is exactly why I'm posting . She is already receiving medicare and still pays for her other insurance (secondary). Because of her health conditions we haven't been able to get the advice needed to move to a lower cost secondary...
by 1x85zn
Wed Feb 26, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Disabled parent looking to invest for the first time
Replies: 19
Views: 1219

Disabled parent looking to invest for the first time

I'm posting on behald of my parent who is disabled. Not your typical retirement post so hopefully we can receive some guidance. Stats: 52yrs old, disabled. Bank Account: 7k Debts: Home Loan @ 9.5%, 100K balance. Loans: $43,000 - Will be forgiven due to disability. Income: Social Security + Workmans ...
by 1x85zn
Wed Feb 26, 2014 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Disabled parent looking to invest for the first time
Replies: 19
Views: 1219

Re: New Year, New Funds. Rebalancing help

Last year, I selected 2030 based on Bogleheads previous recommendations. According to Vanguard's website I should choose 2045. Perhaps I should go for a more moderate-aggressive fund such as 2035+ and hope for the best. Your right though the amount of money i have invested is minimal. As for taxes, ...
by 1x85zn
Thu Jan 23, 2014 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Year, New Funds. Rebalancing help
Replies: 3
Views: 199

New Year, New Funds. Rebalancing help

Hello Bogleheads, I'm late to retirement savings and just wanted to say that the Boglehead philosophy really changed my life. I'm sticking the course and investing 20% of my income. Here I am year #3 looking for guidance. Stats: Age 34 Assets: Savings: - $8000-10000 Lending Club - $4411 Non matched ...
by 1x85zn
Thu Jan 23, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Year, New Funds. Rebalancing help
Replies: 3
Views: 199

Re: Investment planning round 2

Ok, got it. Thanks to Duckie's advice I will change the Insperity fund to Insperity Horizon Rm 2030.
by 1x85zn
Mon Nov 18, 2013 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 1668

Re: Investment planning round 2

I see. I was told to do this to offset the fund costs for the 401k. Guess I was mis informed. That said, do you guys think i'm diversifying enough between these 2 funds? should I change one?
by 1x85zn
Tue Nov 12, 2013 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 1668

Re: Investment planning round 2

Yes, for example, every year move $5500 from 401k to Roth.
by 1x85zn
Tue Nov 12, 2013 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 1668

Re: Investment planning round 2

Bogleheads; thanks for your help here. I've since signed up for: 401K - S&P Bny Mellon 500 (%15) Roth IRA: VTTVX (2%). I had 2 additional questions and was hoping that you can help. 1) I'm putting 15% to my non-matched 401K in hopes of tax related benefits. I have no children, do not own a home,...
by 1x85zn
Wed Nov 06, 2013 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 1668

Re: Investment planning round 2

401k in progress thanks again guys. Any other suggestions?
by 1x85zn
Thu Aug 29, 2013 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 1668

Re: Investment planning round 2

Thanks Duckie, I signed up for the SP 500 fund @ Insperity already. Texas Hold Em, Regarding the lump sum and real estate... I have no idea how to partition and use the lump some (yet). As for Lending Club, I had a CD a few years go that matured. I dumped the money into Lending Club without having a...
by 1x85zn
Mon Aug 26, 2013 11:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 1668

Re: Why are you trying to save so much money?

Philosophically speaking, I don't know any old folks who say, "Gosh, I wish I hadn't saved so much." But I know lots of old folks who say, "Gosh, I wish I had saved more!". My father on his deathbed:, "We never travelled it to Australia when we both could still walk. The ti...
by 1x85zn
Mon Aug 26, 2013 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why are you trying to save so much money?
Replies: 131
Views: 23051

Re: Investment planning round 2

Several votes on S&P 500. I will sign up for that today at 3%.

Questions; Can you guys also look into my other question about allocating a lump some of money and my blurb on realestate?
Would I be able to change my contribution amount of make any lump some payments as bonuses come in?
by 1x85zn
Mon Aug 26, 2013 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 1668

Re: Investment planning round 2

I think I can contribute a great deal to the 401k while still working towards my other goals. 5-10% shouldn't be a problem. I feel silly for not taking advantage of it sooner but like I said before this is a fresh start for me. As for my apartment, yes a 1BR and one of the cheaper apartments in the ...
by 1x85zn
Mon Aug 26, 2013 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 1668

Re: Investment planning round 2

Original post edited with expense ratios for my 401K options (non matched).
by 1x85zn
Mon Aug 26, 2013 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 1668

Re: Investment planning round 2

My apologies. Ill do so now.
by 1x85zn
Mon Aug 26, 2013 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 1668

Re: Investment planning round 2

updated original post.
by 1x85zn
Mon Aug 26, 2013 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 1668

Re: Investment planning round 2

I was told that it wasnt worth it because the fee's were high. I will look into it! Thank you. Im missing out there.
by 1x85zn
Mon Aug 26, 2013 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 1668

Re: Investment planning round 2

Retirement: I was never in a position to contribute to retirement until 2012 (shortly after I joined). I've lived on my own and suffered poverty most of my adult life. The usual working (entry level IT job to learn the ropes), studying full time, paying for and earning IT certifications, living on m...
by 1x85zn
Mon Aug 26, 2013 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 1668

Investment planning round 2

Hello Bogleheads, It's been a very long road of solitude, debt and struggle over the past decade. I'm happy to report that things are very stable. I'm ready to move to my second "phase" of investing. Below are my stats, all of which were allocated over a 2 year period once CC debts were cl...
by 1x85zn
Mon Aug 26, 2013 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 1668

Re: Opening first Retirement account

Hello Bogleheads, I just wanted to provide an update: Salary $100k Debts: CC Debt $0 (was over $10,000 2 years ago) Student Loan Debt $22k Assets: 401K $0 (company does not match) ROTH / Vanguard Target Fund 2025: $1600 Checking: $1600 Savings: $9500 Emergency: $4000 2yr CD: $2000 Since i'm aggressi...
by 1x85zn
Fri Jul 12, 2013 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opening first Retirement account
Replies: 10
Views: 906

Re: Opening first Retirement account

I appreciate your help guys
by 1x85zn
Sun Mar 24, 2013 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opening first Retirement account
Replies: 10
Views: 906

Re: Opening first Retirement account

I'm opening the Vanguard Roth IRA account and contributed 1k to 2012
by 1x85zn
Sun Mar 24, 2013 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opening first Retirement account
Replies: 10
Views: 906

Re: Opening first Retirement account

Thanks everyone! Allow me to clarify the following points: 1- The CC debt was to finish college's final semester (after a few years off). At the time it was a investment in my future. Unfortunately out of college I made 30k which made paying it down very difficult (22% apr! ouch). 2-My retirement go...
by 1x85zn
Sat Mar 23, 2013 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Opening first Retirement account
Replies: 10
Views: 906

Opening first Retirement account

Hello all, I'm ready to open my first IRA. Stats: Salary $90k Age: 33 Debts: CC Debt $0 (was over $10,000 2 years ago) Student Loan Debt $22k Assets: 401K $0 (company does not match) IRA $0 Checking: $1600 Savings: $2500 Emergency: $3000 2yr CD: $2000 Goals: Open a retirement fund. Save for my first...
by 1x85zn
Fri Mar 22, 2013 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Opening first Retirement account
Replies: 10
Views: 906

"The OPs question wasn't how to reduce his expenses to live on less so he could retire early. His question was can he retire early with 100K in expenses."

Wouldn't you expenses be cut dramatically once both kids are out of college and working on their own?
by 1x85zn
Tue Sep 13, 2011 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do we have enough?
Replies: 86
Views: 9574

rrosenkoetter wrote:If he doesn't have "enough", then 99% of us are screwed.


I think you should add a few more .9999999999999's to your estimate. :)

Great thread.
by 1x85zn
Tue Sep 13, 2011 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Do we have enough?
Replies: 86
Views: 9574

2 Million is the "high" that the Lawyers are aiming to settle for. It will issued to my Mother and some dispersed to the family. Anyway I think that scenario warrants its own thread and doesn't necessarily apply here. I will be posting again in the future hopefully. Any general advice woul...
by 1x85zn
Tue Aug 30, 2011 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3367

Update!

Credit card debt is at 4800 now.

Tomorrow we're meeting for "mediation" for a settlement with a high of $2m.

I'd like to get a financial adviser, but if anyone has pointers in this scenario please let me know.
by 1x85zn
Tue Aug 30, 2011 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3367

I took out all funds from my sharebuilder account and sold off my shares.
Next step is Vanguard fund the 15th...
by 1x85zn
Tue Aug 23, 2011 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3367

Maybe you should write and complain to the show...
by 1x85zn
Fri Aug 19, 2011 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: The Money Show (aargh!)
Replies: 32
Views: 6833

Will do, err, VTTVX has $1000 min. I'll get started there
by 1x85zn
Thu Aug 18, 2011 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3367

Credit card debt is now down to $5800 and I have $650 in my share builder account. The Roth IRA is opened but I dont have any funds in it.

Should I wait until I have $3000 for a Target Date? or should I use something like Vanguard Star with a $1000 minimum?.
by 1x85zn
Thu Aug 18, 2011 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3367

I've opened a Roth 401K with Sharebuilder. Will sell off my shares as soon as I can. Paid down $1000 to CC and will continue to rock and roll there.
by 1x85zn
Tue Aug 16, 2011 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3367

No Worries - Thanks to this forum I get it and the first step is to manage debt and save.
by 1x85zn
Mon Aug 15, 2011 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3367

Thanks for the information. Learning a ton daily...

Loan Information:

Stafford Sub - 2750.27 - 2.36%
Stafford Sub - 3608.37 - 2.36
Stafford Sub - 2823.38 - 2.36
Stafford Sub - 5636 - 2.36
Stafford Sub - 5658.48 - 2.36
Stafford Unsub - 5480.90 - 2.36
Total: $25,957.57
by 1x85zn
Mon Aug 15, 2011 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3367

The HR provider is insperity, they have retirement options listed on their website but no details. What would be the benefit of going through my employer rather than say sharebuilder? Would this replace or supplement the target date fund? That said... my current plan is to: 1) Pay Down CC Debt aggre...
by 1x85zn
Sun Aug 14, 2011 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3367

I know whats like to be in that credit card bind. Like you, I had a credit card balance with at 22% APR. My monthly interest was $160/mo which made it difficult to pay down. In order to reduce the interest, I used another credit card balance transfer offer for 0% APR for 12 months. It cost 4% (which...
by 1x85zn
Sat Aug 13, 2011 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Heck of a time to start investing... first 401k
Replies: 14
Views: 1611

-I guess I didn't make myself clear. Does your job offer a 401k to which you are allowed to contribute?

Yes, the job offered 401k (but did not match). It was a few years ago and introduced by our HR company so I dont know the details. Is it something to consider?
by 1x85zn
Fri Aug 12, 2011 11:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3367

-Invest for both short and long term Short Term - I'd like to pay down debt, and build up savings aggressively. I'm paying $1500/mo to my credit card and it should be gone in 4 months. I don't know the interest rate on my student loans but I'll look at that tonight. I believe I have 5 different loan...
by 1x85zn
Fri Aug 12, 2011 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3367

Thank you for recommending VTTVX - Is it your personal choice or one that you feel is suited for my goals? I recall comparing it with Retirement 2045 which 90% was stocks. Then things became more confusing. The stocks were purchased when wrong advice was given. Which eventually led me to Boggleheads...
by 1x85zn
Thu Aug 11, 2011 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3367

If I am missing any crucial information please let me know.
by 1x85zn
Thu Aug 11, 2011 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3367
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