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Re: Can I afford my dream house?

I was in a very similar situation when we bought our house. We were lucky that prices had softened when we bought. Rather than buy the most house we could afford, we bought an adequate house in the best school district and had provisioned a 2 year cash emergency fund set aside in case of job loss o...
by Grt2bOutdoors
Thu Feb 26, 2015 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford my dream house?
Replies: 46
Views: 3160

Re: Do I have enough to retire at age 50?

Me: Age 48 Wife: Age 43 We both make about $95K We have $520K in taxable accounts. We have a 2nd house that is paid off and worth about $300k. It is rented out at $1300 per month My pension starts at age 55. If I quit my job at age 50 I would receive about $44K per year. My wife would continue work...
by Grt2bOutdoors
Thu Feb 26, 2015 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I have enough to retire at age 50?
Replies: 27
Views: 3094

Re: What would you do?

I think I'd shift down to part time work and re-evaluate after a year. You don't really know how stressful it will be until you try it; it'll be a lot less stressful than working full time like you do now in any event! The reason I say that is because you are so young and you have two young kids. L...
by Grt2bOutdoors
Thu Feb 26, 2015 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: What would you do?
Replies: 7
Views: 735

Re: "The world's largest non-commercial financial forum".

Where else can you get good advice on kitchen knives, $5,000 watches and what to do with a $5 million windfall? Don't forget about Subarus, cast iron skillets, and costco. Don't forget men's skincare products, shoes, dress shirts, warm coats, ties, college savings plans, high yielding savings accou...
by Grt2bOutdoors
Thu Feb 26, 2015 2:53 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: "The world's largest non-commercial financial forum".
Replies: 29
Views: 2052

Re: physicians

Myself as well as all of my physician friends feel the exact same way. I am 38 and am saving all that I can so that I can exit by age 50 and hopefully be financially independent by my early 40s. It is so sad to think of how long I trained and what I sacrificed to get here Not a physician, but if it...
by Grt2bOutdoors
Thu Feb 26, 2015 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 8196

Re: Spending trajectory for families with kids?

johnep wrote:I did not see where you indicated the sex of your 2 children. If any are girls, your last big expense will likely be a major one: paying for a wedding. It is something I did gladly but it was not cheap.


$100 at city hall - can't get much cheaper than that.
by Grt2bOutdoors
Thu Feb 26, 2015 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spending trajectory for families with kids?
Replies: 45
Views: 3388

Re: Help! Ive been put on a performance improvement plan!

Whatever you do, remember that HR has NONE of your interest in anything and is likely building evidence to be used against you. I would get resumes out. I was threatened with a similar plan as a cover for company policy to push anyone over 55 out of the company +1. Hate to break it to you, but a ma...
by Grt2bOutdoors
Thu Feb 26, 2015 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 66
Views: 7959

Re: Where to invest 150,000

What is there tax bracket? Let's say it's in the 25% tax bracket - how does Lifestrategy Conservative Growth sound? If that doesn't work - how about 20% in equity (50/50 between Total Stock Market and Total International), the remainder goes into either 5 year CD's or you can just use one fund - Tar...
by Grt2bOutdoors
Thu Feb 26, 2015 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to invest 150,000
Replies: 3
Views: 706

Re: Why there is no Target Date and Balanced ETF?

Why there is no Target Date and Balanced ETF?. Because these products are funds-of-funds and a Vanguard rep once mentioned that the regulations do not permit an ETF to be a fund-of-funds. I don't know why, but that's what he said. The Vanguard Total International Stock Index fund was a fund-of-fund...
by Grt2bOutdoors
Thu Feb 26, 2015 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Why there is no Target Date and Balanced ETF?
Replies: 6
Views: 590

Re: Raise was only 2.44%?

I've been with the same company for 20 years. For the last 5 years raises have been pretty weak. Usually 2-2.5%. The better performers get larger bonuses in the 10-12% range. That might be true, but your fringe benefits are over-the-top for your industry. Overall, your comp base is still growing at...
by Grt2bOutdoors
Thu Feb 26, 2015 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 4304

Re: Raise was only 2.44%?

NeutrinoPerson wrote:I was promoted within-company and it didn't come with a raise in itself, either.

Decent-sized bonus, though (14% of gross, pre-tax, so about 7% post-tax).


Do you prefer the alternative? That being the "door". :)
by Grt2bOutdoors
Thu Feb 26, 2015 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 4304

Re: Raise was only 2.44%?

Is a raise of 2.44% considered acceptable when it comes to keeping up with investments / retirement? I worry that this is merely keeping up with inflation (or even slightly behind it) and not actually improving my purchasing power. I also had a strong performance year as well (management very pleas...
by Grt2bOutdoors
Thu Feb 26, 2015 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 4304

Re: Penalty for non-qualified withdrawal 529 plan after 59.5

A 529 plan is an education specific plan, it is not a retirement plan. Sorry, but you're going to pay that penalty irrespective of your age, unless you can prove you received a scholarship in the amount you withdraw from that plan, then you'll only be subject to the income tax on the gains, but no p...
by Grt2bOutdoors
Thu Feb 26, 2015 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Penalty for non-qualified withdrawal 529 plan after 59.5 yr
Replies: 2
Views: 244

Re: Can someone please help me with this investment thing!

All of the above suggestions are good, but for a true beginner, I'm going to recommend you spend an hour or less of your time reading this short primer on investing, written by a neurologist turned financial adviser (adviser not salesperson). Here is the link ---> http://www.etf.com/docs/IfYouCan.pd...
by Grt2bOutdoors
Wed Feb 25, 2015 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can someone please help me with this investment thing!
Replies: 17
Views: 1160

Re: Recommend a quality (and reasonably priced) knife set

I would strongly recommend NOT buying a knife set. It's a complete waste of money, even though every wedding registry seems to ask for them. Do yourself a favor and talk to any culinary professional, and they will tell you one good chef's knife can do 90% of what you need. Go with German Steel, unl...
by Grt2bOutdoors
Wed Feb 25, 2015 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a quality (and reasonably priced) knife set
Replies: 64
Views: 2367

Re: Which Car? struggling to decide

The commuter parking lot by me is filled with leased Range Rovers, Bimmers and Benz's. Man, when I see them pull up in their cool car in the morning, I just think to myself - there goes another $500, at the end of the year, that's $6K, three years from now it's $18K plus lost appreciation, they coul...
by Grt2bOutdoors
Wed Feb 25, 2015 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Which Car? struggling to decide
Replies: 45
Views: 2766

Re: Buy and Hold Forever Stocks

How about great companies in energy and technology? I'm thinking keepers like Enron and Blackberry. You're right, if you held Enron Oil and Gas, you've done well for yourself. The stock symbol is EOG, they are making a killing in the Eagle Ford oil shale. On the other hand, if you kept Enron the ut...
by Grt2bOutdoors
Wed Feb 25, 2015 9:57 am
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 89
Views: 5871

Re: Buy and Hold Forever Stocks

I would not be buying Exxon here and now for several reasons. Yes it is cheaper now than it has been in a while BUT it has serious issues. The company has not been performing very well for at least 5+ years and it shows in the annual reports and related data. That is why the company is rated a sell...
by Grt2bOutdoors
Wed Feb 25, 2015 9:52 am
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 89
Views: 5871

Re: Is the first 100k really the hardest?

It's all a matter of perspective. My first job was at age 16, back then the first $500 saved was the hardest. Following that, it became $1K, then 10K, then $25K, then $50K, then $100K, you really start to get real compounding traction when assets approach $200K (both ways - up and down :wink: ). Try...
by Grt2bOutdoors
Wed Feb 25, 2015 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 49
Views: 6258

Re: Poll: How Would You Want Your Estate Divided?

mentioned upthread, just another plug for Condon and Condon's "Beyond the Grave." There is an updated edition now. Great read, probably somewhat hyperbolic in the perceived risks and dangers for the average estate, but maybe not for the average Boglehead planning to have a 7 figure estate...
by Grt2bOutdoors
Wed Feb 25, 2015 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How Would You Want Your Estate Divided?
Replies: 43
Views: 3373

Re: Poll: How Would You Want Your Estate Divided?

Event and achievement based: - determine events that merit gifting: - - enrolled in a magnet school, college, or grad school, graduated, passed a certification in a profession, - - marriage, birth of a child, - - purchase of a house, - - family reunions, - determine reasonable amounts to be gifted ...
by Grt2bOutdoors
Wed Feb 25, 2015 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How Would You Want Your Estate Divided?
Replies: 43
Views: 3373

Re: Investing Help - Terrible "investor" with excellent luck

Quick background on me Hello everyone! I hope to become a regular here and hopefully one day answer the questions instead of pose them. I want to give a little bit of details on myself and how this very bad investor somehow got extremely lucky and is in a great spot, but now it's time to fix my wro...
by Grt2bOutdoors
Tue Feb 24, 2015 10:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Help - Terrible "investor" with excellent luck
Replies: 12
Views: 1093

Re: Guns for hunting/defense

For Hunting: It depends on the state. Kentucky allows one to hunt with assault rifles and I believe there are a few other states that do as well. Shot guns with a rifled slug barrel are good for closer range while rifles are good for longer range shots. Not sure where you hunt, but in my experience...
by Grt2bOutdoors
Tue Feb 24, 2015 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 120
Views: 5718

Re: Guns for hunting/defense

TxAg wrote:Seems like most of the self defense stuff has been covered.

To answer your second question... I would really like a 375 H&H :sharebeer


Short of going for grizzly or alaskan brown bear or something more exotic in Africa, what would you need a 375 H&H for?
by Grt2bOutdoors
Tue Feb 24, 2015 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 120
Views: 5718

Re: Guns for hunting/defense

Just started looking at some as I'm looking to hunt in the fall. Currently looking at but have yet to purchase: 20 gauge mossberg 500 20 gauge remington 870 Probably looking for a combo so I can hunt pheasent and deer (at the very least shot is much cheaper then slugs). Any ideas on what would be a...
by Grt2bOutdoors
Tue Feb 24, 2015 9:37 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 120
Views: 5718

Re: How to compute my retirement amount, and am I saving eno

You a fellow who likes baseball? (spring training is upon us) Let me put it you this way: It's the first inning, you're at the plate, it's 2 outs, the count is 3 and 0. In other words, you are in the very early stages of a LONG ballgame where the outcome can be very good for you providing you don't ...
by Grt2bOutdoors
Tue Feb 24, 2015 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to compute my retirement amount, and am I saving enough?
Replies: 66
Views: 3026

Re: Spending trajectory for families with kids?

Boys seemed to be more prone to getting involved in unfortunate costly events, not always their own doing. My wife always reminds me how lucky we are financially to have a boy instead of a girl. She said that we save a lot of money on clothes and accessories. It probably does even itself out by tho...
by Grt2bOutdoors
Tue Feb 24, 2015 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spending trajectory for families with kids?
Replies: 45
Views: 3388

Re: Help! I can't afford to eat on my South Beach vacation

Try having a cup of tea for two and 2 small biscotti on a patio in Venice - $75 US dollars, this was in mid 2006 and I'm sure it is more costly today. Sounds like you got a bargain for an appetizer, salad, plate of pasta, beverage and dessert. What do you expect to spend in fancy locale with Ferrari...
by Grt2bOutdoors
Tue Feb 24, 2015 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 60
Views: 4845

Re: Please take a look at my financial world - am I doing ok

Are you tracking your Net Worth? We don't have a full net worth picture, but I'd say you are doing "average ". You have a decent amount of investments. They have good ER. But you also have too much debt in my opinion. I'd get rid of the car loan and CC debt. Build up the Emergency Cash to...
by Grt2bOutdoors
Mon Feb 23, 2015 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please take a look at my financial world - am I doing ok?
Replies: 19
Views: 1777

Re: What do you guys think about my AA for Retirement? Taxab

Consider using Vanguard Total International Stock Index in place of International Value in taxable.
The Intl Value fund is actively managed and could potentially make large taxable distributions in a non-retirement account.
by Grt2bOutdoors
Mon Feb 23, 2015 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: What do you guys think about my AA for Retirement? Taxable?
Replies: 12
Views: 1400

Who's going to Disney this summer?

A tale of two worlds in America - the Haves and Have-Nots. Disney just raised their ticket prices - it now costs $105 a day to enter the park, $17 to park in their parking lot. Incredible! How much does it cost for a family of 4 to visit? Folks pay it too! http://finance.yahoo.com/news/disney-hikes-...
by Grt2bOutdoors
Mon Feb 23, 2015 10:09 am
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 31
Views: 1938

Re: Portfolio Review Please

We welcome advice and guidance from the wise and experienced Bogleheads. Thanks! Emergency funds: 2 months Debt: Mortgage 330k 4.25% Credit Card 9.6k 0% (expecting to pay off before rate increase) 2 Car Loans totaling 25k 1.5%, both recently purchased economic cars School Loan 1: $422 4.5% School L...
by Grt2bOutdoors
Mon Feb 23, 2015 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Please
Replies: 7
Views: 512

Re: 401K Review

Sorry, should have included that before. 85% - Stocks 10% - Bonds 5% - Cash But I am open for suggestions here as well. Hello and welcome to the forum. Investing on the basis of past performance is a recipe for disaster! Please view the wiki https://www.bogleheads.org/wiki for Asset Allocation and ...
by Grt2bOutdoors
Mon Feb 23, 2015 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Review
Replies: 3
Views: 386

Re: Portfolio Review Please

Hi, I think you are in pretty good shape for your age. I personally think that asset allocations should target the range between 80/20, and 20/80. 90% stocks too me feels high, at any age. I think 80/20 would be better for you. Keep the 2060 target fund (or move to the 2055 fund at some point), and...
by Grt2bOutdoors
Mon Feb 23, 2015 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Please
Replies: 7
Views: 512

Re: Portfolio Review Please

We welcome advice and guidance from the wise and experienced Bogleheads. Thanks! Emergency funds: 2 months Debt: Mortgage 330k 4.25% Credit Card 9.6k 0% (expecting to pay off before rate increase) 2 Car Loans totaling 25k 1.5%, both recently purchased economic cars School Loan 1: $422 4.5% School L...
by Grt2bOutdoors
Mon Feb 23, 2015 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Please
Replies: 7
Views: 512

Re: What age do you guys plan to retire?

At the age where assets are 30-35x expenses. I've got a ways to go. :)
by Grt2bOutdoors
Sun Feb 22, 2015 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8501

Re: How much has Bogleheads contributed to your net worth?

Somewhere between 5 and 10% - I was already practicing Boglehead like principles before I came upon the site in early 2007, including backing up the truck and picking up those juicy I bonds with reward credit cards. That said, I learned about slicing and dicing and some of those nice 529 plan offeri...
by Grt2bOutdoors
Sun Feb 22, 2015 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4072

Re: What % of your gross income do you spend on mortgage/ren

roughly 8%. The worse thing about this is taxes makes up the largest proportion of that figure. :(
by Grt2bOutdoors
Sat Feb 21, 2015 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 8581

Re: Returning a taxable gift.

:o :shock: Not touching this one with a 200 foot pole. Good Luck to you.
by Grt2bOutdoors
Sat Feb 21, 2015 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Returning a taxable gift.
Replies: 16
Views: 1128

Re: Best Sequence for Withdrawing Funds in Retirement

Roth would be my last choice to draw from, leaving the account to compound tax free until assets are truly needed.
by Grt2bOutdoors
Sat Feb 21, 2015 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Sequence for Withdrawing Funds in Retirement
Replies: 7
Views: 620

Re: What to do with EE series bonds in my situation?

Not sure why you'd be DCA's or even investing in equities when you are a) out of work and b) uncertain when re-employment will come and c) what is a RDF? I'd keep a year or two of expenses in cash to tide you over when you become re-employed would then replenish cash and revisit asset allocation. Co...
by Grt2bOutdoors
Sat Feb 21, 2015 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with EE series bonds in my situation?
Replies: 2
Views: 411

Re: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX

Does anyone have ideas on why T. Rowe Price U.S. Bond Enhanced Index (PBDIX) and Vanguard Total Bond Market Index Fund (VBMFX/VBTLX) have diverged so much over the last two years? For the 10 years prior they were very close. At the end of 2013, PBDIX had a big 1% point plunge compared to Vanguard s...
by Grt2bOutdoors
Sat Feb 21, 2015 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX
Replies: 21
Views: 975

Re: Keep Holding Series EE US Savings Bonds?

http://www.savingsbonds.gov/indiv/research/indepth/ebonds/res_e_bonds_eeratesandterms.htm I have a bunch of EE's from 1997-2005, where they are at a variable rate, adjusted every six months. The current rate is 1.49%, which is not that bad for a tax-deferred gov't bond. Unlike the post-2005 bonds, ...
by Grt2bOutdoors
Sat Feb 21, 2015 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep Holding Series EE US Savings Bonds?
Replies: 9
Views: 804

Re: What to do with $60k redeemed from TIPS

I now have about $80k to invest in something conservative. I have pretty much the same requirement (small to moderate growth, but very safe, I'm 67), but things might have changed a bit over the past year,.... I have the feeling that the next few years could be pretty scary. The talking heads, and ...
by Grt2bOutdoors
Fri Feb 20, 2015 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with $60k redeemed from TIPS
Replies: 7
Views: 650

Re: Are banks required to deposit third party endorsed check

1 - remote deposit via an app (the kind where you photograph the checks) if that doesn't work 2 - ATM deposit Take the teller out of it. Avoids human error judgment :D And at the other end of the ATM is the teller who picks up the check from the machine, debits the deposit out of your account and p...
by Grt2bOutdoors
Fri Feb 20, 2015 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2574

Re: Are banks required to deposit third party endorsed check

That used to be a normal part of banking procedure. That why the checks say "Pay to the order of", or in other words, pay to whomever this person says to pay. Now, however new laws meant to curtail money laundering and funding of terrorists have superseded, or are claimed to supersede, ol...
by Grt2bOutdoors
Fri Feb 20, 2015 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2574

Re: Are banks required to deposit third party endorsed check

1 - remote deposit via an app (the kind where you photograph the checks) if that doesn't work 2 - ATM deposit Take the teller out of it. Avoids human error judgment :D And at the other end of the ATM is the teller who picks up the check from the machine, debits the deposit out of your account and p...
by Grt2bOutdoors
Fri Feb 20, 2015 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2574

Re: Are banks required to deposit third party endorsed check

There is no legal requirement to accept it. The bank has the right to not accept any financial instrument that it deems to be at risk for fraudulent behavior. For example, your therapist obtained a check, endorsed it and made it payable to you. The first thing is to identify the payee of the check -...
by Grt2bOutdoors
Fri Feb 20, 2015 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2574

Re: Unhappy With Job Raise

brutus wrote:3% a is pretty standard raise these days. The real money comes with a bonus. Get on a bonus plan.


Yes, especially when they "cut the bonus pool", then you really feel the impact! :(
by Grt2bOutdoors
Fri Feb 20, 2015 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 7540

Re: Please Help Me Explain an Equity Index Annuity to a Rela

tedclu wrote:Depending on how much growth of the spy you want.


Educate us please, most of us don't play in the options market.
If you were to try and set up a do it yourself 10 year EIA, how much would a SPY future cost for a $30K allocation?
by Grt2bOutdoors
Fri Feb 20, 2015 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please Help Me Explain an Equity Index Annuity to a Relative
Replies: 31
Views: 1652
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