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Re: Lots of Questions Re: Investment Portfolio

Questions: 1. Should we use some of the inheritance to pay down our debts? After reading the materials on this website and comparing the interest rates to bond benchmarks, it seems like it would make the most sense to pay down my wife’s Student Loan 1 Account (at 3.5%) and leave the other loans out...
by BL
Sun Apr 20, 2014 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lots of Questions Re: Investment Portfolio
Replies: 1
Views: 188

Re: Please critique my 300k portfolio

You will get more help if you use the suggested format at the top of "Investing-Help with personal investments". Otherwise there has to be digging out of information and something important can easily be missed. Funds should have both name and symbols and include ERs as most don't have the...
by BL
Sun Apr 20, 2014 7:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Please critique my 300k portfolio
Replies: 11
Views: 1327

Re: Vanguard Personal Advisor Services

No, I am not sure but you could look at the several articles listed on the side. I will bow out as I am not sure now what you or he are looking at and I have no particular interest at this time. Here is from Part 4: The advisor answered both investment and non-investment questions in the consultatio...
by BL
Sat Apr 19, 2014 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services
Replies: 25
Views: 3710

Re: Vanguard Personal Advisor Services

TFB (see post above) has tried and written about this service on his blog: http://thefinancebuff.com/vanguard-financial-plan-review-consultation.html
by BL
Sat Apr 19, 2014 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services
Replies: 25
Views: 3710

Re: Presentation for Retiring Physicians

I would look at the Contents page of Boglehead's Guide to Retirement and decide if some of those should be added.
by BL
Sat Apr 19, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Presentation for Retiring Physicians
Replies: 5
Views: 644

Re: Help with Investment Advice

What income and what expenses do they have now and in the future? Have they started to take SS? If so, If less than 1 year ago, I believe the higher income person might be able to suspend and delay so that the COLAd SS income might increase and also be there for the survivor. This could be the best ...
by BL
Sat Apr 19, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Investment Advice
Replies: 9
Views: 588

Re: Can you put after tax RMD withdrawals into ROTH?

We made extra QCDs at end of last year (since it was not renewed for this year) to cover some of the money we planned to give this year, sort of like bunching deductions. Our small RMDs are much lower than charitable contributions and we do not itemize.
by BL
Fri Apr 18, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1085

Re: Can you put after tax RMD withdrawals into ROTH?

Since you are planning for the future RMDs, also watch for Congress to reinstate QCDs (qualified charitable distributions) which is not yet in effect this year but has been the law for several years now, often passed at the last minute. On the day you do RMD, call to have checks made out to qualifie...
by BL
Fri Apr 18, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1085

Re: Trying to clean up personal finance

Stay away from investment and insurance advisers if you want to avoid giving them a big share of your income from investments. There may be insurance that you need and seek out such as disability and term life, but don't let them up-sell you with whole life or annuities! Vanguard has the most low-co...
by BL
Fri Apr 18, 2014 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to clean up personal finance
Replies: 17
Views: 1531

Re: Need Help with Investments

I am surprised you don't have health insurance. Is it a private school? Where are you getting it now? Do you get a pension? Are you committed long term to this job?

Short term needs should not be invested in stocks, although you have probably done well lately.
by BL
Fri Apr 18, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help with Investments
Replies: 12
Views: 609

Re: Trying to clean up personal finance

The Roth IRA could also be considered a back-up emergency fund (for those very unlikely occurrences) so it is good to have. Only contributions can be removed without tax and penalty.
by BL
Fri Apr 18, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to clean up personal finance
Replies: 17
Views: 1531

Re: Investing a financial settlement

I guess my question is whether I should do anything differently with both chunks of cash than a brokerage mutual fund? In other words...529 plans, life insurance, annuities, etc, etc? Don't let anyone sell you insurance, annuities, etc. Consider term (only) insurance if you need it. They will want ...
by BL
Fri Apr 18, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing a financial settlement
Replies: 10
Views: 428

Re: Investing a financial settlement

Max all tax advantaged accounts each year:

17.5k + 5k to 401k, 6500 each to Roth IRA. Any other that you max use such as Flex plans.

Are you sure kids won't be eligible for aid? Will several be in college at same time?
by BL
Fri Apr 18, 2014 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing a financial settlement
Replies: 10
Views: 428

Re: Annuity Rollover

Ask the company for an "in-force illustration" so you have some numbers to look at. Rollover may not be the correct term; perhaps a 1035 conversion to a Vanguard annuity is what you mean. You could ask Vanguard what type of accounts you could do a 1035 to. Otherwise you either leave it alo...
by BL
Fri Apr 18, 2014 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Annuity Rollover
Replies: 15
Views: 600

Re: Newly Widowed, what to do with the life insurance money.

I have been lurking for a long time, and am coming out of lurk mode to respond to Morningstarc's post..... What an excellent and touching first post. A lot of sage advice from someone who has been in the OP's shoes. Welcome, Herekittykitty ! +1 There is a lot of useful common sense information here...
by BL
Fri Apr 18, 2014 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Newly Widowed, what to do with the life insurance money....
Replies: 28
Views: 3230

Re: Roth IRA/Traditional IRA

You could use a suitable Target Retirement or Life Strategy fund which maintains balance so you don't need to do anything. Of course, a single stock fund would also not need to be rebalanced because you wouldn't have a bond or international fund to keep in balance with it.
by BL
Thu Apr 17, 2014 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA/Traditional IRA
Replies: 9
Views: 384

Re: Beginning Investor - 457B Good Idea?

You could get the same deferred taxes by using a deductible traditional IRA with a Vanguard Target Retirement fund of desired stock/bond ratio instead of a Roth at least until some future date. If you expect huge increases in pay, I would not recommend it, but if you are not, you will probably not b...
by BL
Thu Apr 17, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginning Investor - 457B Good Idea?
Replies: 8
Views: 392

Re: Help select laptop

you are the ALMOST ideal candidate for a Chromebook. if you could get past the "need" for MS Office/Word. (not exactly sure what you mean by needing MS Word for job searching - do you mean drafting resumes? if so, you can certainly do this on Googledocs or the MS Word online/cloud version...
by BL
Thu Apr 17, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 20
Views: 1290

Re: Help select laptop

You don't give your age or computer experience so it is hard to give advice. I suggest you search (here or Google) for other threads here on purchasing laptops. They also recommend brands to look at. I think a regular Windows computer is fine even though the Apple is a good choice, also, if you wish...
by BL
Thu Apr 17, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 20
Views: 1290

Re: Investment Portfolio for Young, New Investor - Advice?

You cannot add directly to your 401k. It needs to come from your pay at work. You could increase the deduction and then use your other money for living expenses. Unless you expect a huge increase in pay (such as a student about to become a professional xxx) it is not recommended to change to Roth 40...
by BL
Wed Apr 16, 2014 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Portfolio for Young, New Investor - Advice?
Replies: 9
Views: 1014

Re: B-shares

Here is something for Primamerica shareholders: http://shareholder.primerica.com/public/shareholder/mutual_fund_disc.html It will cost you something similar to a load when you sell. Definitely stop reinvesting in funds immediately. Leave in cash while you get this straightened out. Are you saying th...
by BL
Wed Apr 16, 2014 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: B-shares
Replies: 6
Views: 423

Re: Curious on tax return for mom and dad..

There are boxes to check and questions to answer on the EIC form, so if they said, for instance, that the child lived with them 3 months, that might disqualify the child. See:
http://www.irs.gov/pub/irs-pdf/f1040sei.pdf

This defines a Qualifying Child for EIC purposes.
by BL
Wed Apr 16, 2014 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Curious on tax return for mom and dad..
Replies: 22
Views: 1815

Re: Curious on tax return for mom and dad..

You need to compare your 1040 to his and see where the difference is.

I am curious: what did he charge for federal, state, etc.?
by BL
Wed Apr 16, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Curious on tax return for mom and dad..
Replies: 22
Views: 1815

Re: I saw a "Boglehead" on my flight yesterday!

Ice-9 wrote:Vanguard sent me a pen with a USB at the other end last holiday season because I responded to one of their Facebook posts. After reading this thread, I think I'm going to have to take it around with me now just to see if anyone spots it and asks me if I'm a Boglehead. :happy


Oh, I want one!
by BL
Wed Apr 16, 2014 2:06 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 7578

Re: Looking for Low-Cost Eyeglass Shop I can visit

I don't have Costco but Sam's Club was fine. I put new lenses into old frames.
by BL
Wed Apr 16, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 1452

Re: Tax year 2013 IRA contribution deadline, April or Oct 15

Unless you have a local bank or credit union open late tonight, you are out of luck.

EDT: or maybe Fidelity or Schwab might stay open late on April 15, I have no idea.
by BL
Tue Apr 15, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax year 2013 IRA contribution deadline, April or Oct 15th?
Replies: 4
Views: 186

Re: 401k help

... The only one that looks appealing is the JH 500 Index Fund with a ER of 0.53. I appreciate your responses/opinions. You're right that it's the least bad. Does your wife intend to stay a long time with the employer? If not it can make sense to contribute a lot because upon departure it can be ro...
by BL
Tue Apr 15, 2014 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k help
Replies: 6
Views: 323

Re: Investment Portfolio for Young, New Investor - Advice?

You don't have the ER s for the funds. The S&P one is probably low in cost (ER). You do have too many funds. You might want a bond and an international if they are not too expensive.
by BL
Tue Apr 15, 2014 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Portfolio for Young, New Investor - Advice?
Replies: 9
Views: 1014

Re: Bond ladder question

AFAIK, I-Bonds all get lumped together and you can withdraw any part or all at any time, excepting amount under 1-yr holding.
by BL
Tue Apr 15, 2014 9:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond ladder question
Replies: 7
Views: 807

Re: Wasting money on rent or buy in California

Since you will definitely be downsizing from Texas when you buy, perhaps this transition will make it easier to adjust to a much smaller home once you buy. I agree with severe downsizing. Get rid of as much as possible and then some more! Moving it and storing it is expensive and you won't have room...
by BL
Mon Apr 14, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wasting money on rent or buy in California
Replies: 20
Views: 2239

Re: Gardening - asparagus in particular

We had an old and almost wild patch when I was young. I loved the ferny tops and would cut them sometimes for greens in a vase of cut flowers.
by BL
Mon Apr 14, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Gardening - asparagus in particular
Replies: 24
Views: 1797

Re: Financial plan for pensioned in-laws

The 457 plan has some decent vanguard funds (including lifestrategy funds) however I believe there are minimum distribution rules that kick in at age 60. This seems like a good reason to convert to a traditional IRA (which has MDR at age 70). Or would you suggest trying to gradually convert these i...
by BL
Mon Apr 14, 2014 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial plan for pensioned in-laws
Replies: 19
Views: 1203

Re: Too Late to Open Roth IRA for 2013?

You can always go down to the bank and open one. Savings or CD would work.
by BL
Mon Apr 14, 2014 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Too Late to Open Roth IRA for 2013?
Replies: 9
Views: 728

Re: Initial portfolio set-up/plan

If you used a deductible IRA, you would have ~1600 more to pay off debts now.

A short-term budget reduction might be the biggest help.
by BL
Mon Apr 14, 2014 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Initial portfolio set-up/plan
Replies: 9
Views: 540

Re: Financial plan for pensioned in-laws

Target Retirement income or Life Strategy Income are as aggressive as I would suggest for very conservative parents who have reached their goal. For my own knowledge, why would you recommend a very conservative asset allocation for a couple who, as the original poster stated, has all of their expen...
by BL
Mon Apr 14, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial plan for pensioned in-laws
Replies: 19
Views: 1203

Re: What should my mother do w her $600,000 retirement money

Do you know the rules for subsidized apartment? There are often income and also asset limits here. You don't want her to get into trouble (or more trouble) by continuing if this is not permitted.
by BL
Sun Apr 13, 2014 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: What should my mother do w her $600,000 retirement money?
Replies: 31
Views: 4813

Re: Financial plan for pensioned in-laws

Boglehead's Guide to Retirement Planning is a nice reference. Target Retirement income or Life Strategy Income are as aggressive as I would suggest for very conservative parents who have reached their goal. Have they considered Longterm care insurance? It is a difficult choice, but is their biggest...
by BL
Sun Apr 13, 2014 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial plan for pensioned in-laws
Replies: 19
Views: 1203

Re: SEP instead of IRA?

Here is a comparison of Vanguard's individual plans: https://investor.vanguard.com/what-we-offer/small-business/compare-plans
by BL
Sun Apr 13, 2014 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: SEP instead of IRA?
Replies: 28
Views: 938

Re: advisor advice?

It is possible that you didn't ask the right question at Vanguard. If you can't pay for advice there, then I would either buy a Life Strategy/Target Retirement fund for everything and consider any extra taxes my AUM. Vanguard Tax-Managed Balanced Fund is another choice for taxable account, though I ...
by BL
Sun Apr 13, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: advisor advice?
Replies: 25
Views: 1491

Re: IRA or Roth IRA and other decisions

I suggest you invest everything in a Vanguard Target Retirement Fund at this time: 401k, IRAs whether Roth or traditional. (Roth contributions would be available for emergencies.) The rates are quite low, fund is well-diversified, and self-balancing. Spend your time growing your business. Vanguard I...
by BL
Sun Apr 13, 2014 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA or Roth IRA and other decisions
Replies: 13
Views: 806

Re: Paying for MBA

Check into the Lifetime Learning Credit. http://www.irs.gov/publications/p970/ch03.html#en_US_2013_publink1000178154 You can withdraw all contributions (not earnings) from Roth IRA at any time. I am not saying that is necessarily the best thing to do, but it is good to learn about it.
by BL
Sun Apr 13, 2014 2:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying for MBA
Replies: 16
Views: 1313

Re: When can I use capital losses?

AFAIK, you have to use them every year until gone. Offset capital gains plus $3,000 per year.
by BL
Sun Apr 13, 2014 12:19 am
 
Forum: Investing - Help with Personal Investments
Topic: When can I use capital losses?
Replies: 3
Views: 265

Re: Income for no capital gains tax

If you are gifted stock, there is no requirement that you sell it all this year, so you can spread it out if you choose, but you may not need to do that. Be sure to get the basis. Use a tax estimator or this year's tax program to try out the numbers. Gifting should not have any tax considerations.
by BL
Sat Apr 12, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income for no capital gains tax
Replies: 16
Views: 731

Re: Income for no capital gains tax

Are you able to put money into a 401k this year? That will reduce AGI and Taxable income. Same goes for IRA if you are under the limit for deductible ($60,000). Edt: http://www.forbes.com/sites/kellyphillipserb/2013/10/31/irs-announces-2014-tax-brackets-standard-deduction-amounts-and-more/ shows top...
by BL
Sat Apr 12, 2014 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income for no capital gains tax
Replies: 16
Views: 731

Re: Investor from Finland

In her Forbes article, How To Diversify With Just Three Funds, Boglehead Laura F. Dogu describes this approach and comments "With only these three funds (Vanguard Total Stock Market Index fund, Vanguard Total International Stock Market Index fund, and the Vanguard Total Bond Market fund), inve...
by BL
Sat Apr 12, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investor from Finland
Replies: 49
Views: 987

Re: Investor from Finland

Vanguard total international includes Emerging markets so it is a pretty good all-in-one international fund.
by BL
Sat Apr 12, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Investor from Finland
Replies: 49
Views: 987

Re: Military guy looking for investment advice.

You can remove your contributions (not gains) in your Roth IRA at any time tax-free. AFAIK, you can roll your Roth TSP into a Roth IRA after leaving the service. Not sure if you need to wait 5 years to withdraw contributions on that, but maybe not. So, no future tax on gains make it better than taxa...
by BL
Sat Apr 12, 2014 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Military guy looking for investment advice.
Replies: 10
Views: 703

Re: A story, and a feeling of financial under-accomplishment

Angelus359 wrote:Should I get my masters degree?

I would need to take 10 classes, which I'd take 5 per year, and it'd cost about 10 grand total.


Absolutely, if you have the will to devote every spare moment for however long it takes! Do it while your other commitments are still low. That is such a bargain.
by BL
Sat Apr 12, 2014 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: A story, and a feeling of financial under-accomplishment
Replies: 48
Views: 4161

Re: Investor from Finland

I would try to do it less frequently (annually or at least not more often than quarterly) and maybe buy one each time and limit the total number. You will slowly reach your desired allocation but never be exactly there this way.

I have no idea of the funds you can purchase, but the cost sounds high.
by BL
Sat Apr 12, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Investor from Finland
Replies: 49
Views: 987

Re: Transitioning From Commissioned Adviser (& non-traded RE

They own farm land, why buy Reits? There are some in Total Stock Market, that is enough!
Find out from Vanguard what they can transfer in kind. Try to sell the rest. If taxable, consider capital gains.
by BL
Fri Apr 11, 2014 11:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transitioning From Commissioned Adviser (& non-traded REITs)
Replies: 10
Views: 511
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