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polarized oakleys....can never go back to anything else. I have 2 pair of $200 Oakleys (which I paid about $80 each for at 6pm.com). I also have a $300 pair of Maui Jims that all leaders at our business were given at a recent meeting. The maui jims are very stylish and very light weight. Fantastic ...

I would never consider an ARM, especially one that is interest only. Get a fixed rate mortgage for the shortest number of years that you can comfortably afford. The offer from your bank sounds a lot like the mortgages that got us in trouble in 2008. I have had both an ARM and an interest-only in th...

I include my pension, but not SS at this time.

I will probably change that in the future.

Why would I buy bond funds when rates are at historic lows and I stand to lose principle the minute rates begin to increase? Makes absolutely no sense to me. When rates start climbing again it will be time to add a short duration fund but right now, no way. If I already had a bond fund perhaps I wo...

Investing is boring wrote:If you use Bond's to pay off the mortgage, you are trading a ~1.7% PRE TAX return on TBM for a ~2.75% PRE TAX return on a refinance.

He's not. OP clearly stated he was using TSM.

I would refinance. In a modest, conservative investment allocation you should be able to beat 2.625% CAGR over the next 10 years. I might suggest you even take a bit more risk by taking out a 5/1 or 7/1 ARM. Invest the additional savings. If, after 5 years, the rate resets and you don't like the new...

I'm not moving OUT of bonds, but I'm not exactly plowing more in either.

However, since I will have to do some rebalancing soon. I do most of that through new contributions. Instead of bonds, I'm tending to put new contributions in either Cash or CDs for now.

The sweet spot on Porsche's right now appears to be 2000-2004 turbos with sub 30K miles. Amazing performance, modern looks, but under $40-$45K.

That's what I'd get. In fact, maybe I will. I do turn 40 this year.

Alas, the real cause of the rise in college tuition is simple to understand; between the 1970's and today, the number of students attending college has increased by a factor of 3! That means 3 times as many classrooms, 3 times as many professors, 5 times as many parking spaces, etc. If you factor i...

We're under 11% of net.

This is a mathematical problem. I'll use some close numbers but you'd have to do your own math. You have what appears to be $80K in equity tied to these properties. After realtor/closing costs, you'll have ~$62K left. On that $62K, you are currently returning just $176 in positive cash/flow per mont...

I know a lot of people argue not to change your allocation OUT of bonds, but what about where to put new money INTO your AA? If I've got $1 of new money to put in, is anyone NOT putting it in bonds? Thoughts?

Hi Folks, I never purchased any exercise equipment before - usually worked out at the gym - that is no longer possible because we just had a baby. So looking to buy a treadmill at home. Does anyone have suggestions on : 1. What price range i should be looking at to get a decent machine that does no...

airahcaz wrote:

Bacchus01 wrote:I don't have an option to put the money in cash, so I'll put it in a fund and pay taxes on any gains.

Money market fund?

Nope, not one of those either. Stable Value Fund is probably where it will go.

Use the rule of 50. 50 times your monthly rent is a "good" investment. This is not a good investment even at 100 times your monthly rent. There are better ways to get single-digit returns with less risk. Maybe that works where you are but that rule doesn't work in my area. 50x monthly ren...

a) get a job
b) don't get married until you can support yourself
c) leave the money alone and make your own

When I was a college kid I drank a little. OP, if I were your father I would tell you "don't do it". On the other hand, if I sensed you were the adventurous type, I would think to myself "let her do it. Let her lose some money and get it out of her system". You sound like you do...

Use the rule of 50.

50 times your monthly rent is a "good" investment.

This is not a good investment even at 100 times your monthly rent.

There are better ways to get single-digit returns with less risk.

I use it because I don't see another viable option.

In my opinion, MS Money was far superior in so many ways - especially the user interface.

But, Quicken works okay.

I don't have an option to put the money in cash, so I'll put it in a fund and pay taxes on any gains.

Thanks. I usually hit the pre-tax max around September. That gives me 3+ months to then do the after-tax and hit about $16K over those 3 months. Actually, I could do this over about 2 months and avoid too much in the way of gain/loss fluctuation. I don't want the hassle of doing it every payroll and...

What is most people's approach to this? Do they do it once a year? Do it every two weeks? When? I have the ability to do this through the year and just move it all at once, or I could do this across about 4 paychecks and then move it all at once. Or move it every few weeks (not preferred because of ...

And an Ally-like bank would be AWESOME.

I could ditch Ally and my brick and mortar then. Although I like Ally.

A class of shares between $10K and $100M or whatever crazy level.

How about $100K or even $500K for reduced fees.

How did you do the rollover exactly? Did you have the check made out to Vanguard?

My in-laws looked into it. They are cash strapped.

The fees are very high .

In the end we bought their house and rent it back to them. I'd like to find some more seniors in the same condition and do the same.

My plan does allow this. With matching provisions, my company 401K matches nearly dollar for dollar. This means I can put another $16K after-tax and roll to a Roth. Combined with the backdoor conversion for my wife and I, that's $27K a year I can roll to a Roth. For a very long time I couldn't conve...

Wow. This is one great reason I read here!

I had no idea I could get that much funneled into our Roth accounts each year. That will really help down the line!

I'm bumping this to the top and hoping for some simplicity.

Assuming you can max the $17K pre-tax and have a 50% company match. And you do a $5.5K backdoor Roth, how much more could you do after-tax through your 401K after tax and then roll out to a Roth, assuming you can do in-service withdrawals?

Simplicity and Airens are going to be two of the best brands you can buy.

For $1K, but the minimum you need to get the job done. Run it until it dies. Sell it to somebody who repairs them for $200, and go buy a new one. Rinse, repeat.

You don't NEED a financial advisor. If anything, dump it all to Vanguard and they'll do a free review for you. What you probably do NEED is an estate attorney as others have suggested. Taxation is your number one issue - not growth, asse allocation, withdrawl rates, tilts or exposure, etc. You could...

I'm going to go against the norm a bit because I take a different view on "winning the game." To me, she is probably set for life and therefore can be MORE risky, not less. That said, this is how I'd do it. Take what she needs to live on and draw upon and put that in a conservative 3-fund ...

Your choice depends a lot on what you plan to do with it. Since moving back north, we had to get a treadmill for the dreaded winters months. It has about 1500 miles on it after 2 winter seasons of running. With a small baby at home, it's even harder to get outside. If you plan to walk and run a few ...

I'd like to see another level after $10K but before $5M or $100M like some.

Let's see a $100K or even $250K level with lower expense ratios.

i would define a lot of money as $10 million plus. that figure cannot usually be attained by high level professionals such as doctors or lawyers. Typically one would have had to started a business that was successful or inherited it. I couldn't disagree with you more. If you manage to accumulate a ...

Do they have a mortgage on the old house? When they move out of that old house and rent it, guess what's going to happen? The bank is going to find out and call the loan as it was not an investment loan.

Then what are you going to do?

I'm not a doctor, but it seems to me that if a large company thinks they can make a profit buying your practice on those terms, you could probably that same profit over the next decade by not taking them. And you'd likely be wrong. Bottom line is to figure out the NPV of your future profit streams....

i would define a lot of money as $10 million plus. that figure cannot usually be attained by high level professionals such as doctors or lawyers. Typically one would have had to started a business that was successful or inherited it. I couldn't disagree with you more. If you manage to accumulate a ...

i would define a lot of money as $10 million plus. that figure cannot usually be attained by high level professionals such as doctors or lawyers. Typically one would have had to started a business that was successful or inherited it. I couldn't disagree with you more. If you manage to accumulate a ...

See what deal they are offering.

I know when I was going through this (20 years ago) I got calls and mail then. Some wanted to offer me full rides at private schools. Be sure to find out exactly what they want.

She went to work for the company in a different branch in a far away location for a couple of months. We kept our home because it was only a couple of months. The distance test passes the moving expense portion but the time test fails ( <39 weeks). They paid for her flight, a meal stipend, and an a...

Just be aware that most of the 529 plans with a state tax deduction are subject to recapture of the deduction if the funds are not used for education. Also any non qualified withdraw from the plan is subject to income tax plus 10%. I would fund for known children AFTER you fully fund your Roth IRA ...

Interesting, I've moved $400K to Vanguard since Jan 1 and not a single welcome phone call.

If I had a 25 million windfall today, I wouldn't put all if it into the stock/bond market either. why does this person need to do that? Or did I misread something. But where else would you put it? $25 million? I'd put it in FDIC-insured savings accounts and CDs. Once I've won the game, I'm taking m...

We've been putting this off far too long and want to do this too. Great thread. I've read a lot of parenting advice that is $1 per age per week. I look at my 11 year old and think "$11 a week?" No way. We're going to start with 1/2 their age per week. They also get a HEALTHY bonus for good...

This will be viewed as a second home. You are allowed to have immediate family members live in a house and have it treated as a second home if they pay below market rental rates. $0 is below market. You can claim it as a second home and write off the interest. You can refinance it, but I doubt it wo...

I'm probably in the "oversave" category in that we invest about 60% of my net pay each year. I'd really like to "live" a bit more with the money, but we haven't really decided what we want to do with it in the meantime.

I'm just trying to figure out how all these "travel the world" advisors expect you to pay for such a trip, or living abroad for 2 years, without liquidating all your hard-earned assets. Uh, get a job that either allows you to travel overseas and or relocates you overseas. By July of next ...

I believe I'm well ahead of the curve on what we will need to retire comfortably and cover all other life events, but then I'm just 39. In that scenario, most would say "you're doing great, don't take the risk, age in bonds or even more." But I look at it just the opposite. I have excess....

It's interesting in application. I believe I'm well ahead of the curve on what we will need to retire comfortably and cover all other life events, but then I'm just 39. In that scenario, most would say "you're doing great, don't take the risk, age in bonds or even more." But I look at it ...