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Re: A Gift - tax consequences

Gill wrote:Not legal or tax advice, but just buy it and give it to her. Chances are it will only be worth $14,000 or less when it leaves the dealer's lot.
Gill


+1
by Grt2bOutdoors
Fri Jan 30, 2015 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Gift - tax consequences
Replies: 16
Views: 841

Re: "Planet Money" is shorting SPY

Just curious, how does shorting affect the market price? For instance, if in aggregate people go long, the market price will probably rise from there being a net of buyers. Their buying will likely cause the price to rise. If many people short a stock, does this cause the price to drop? Of course i...
by Grt2bOutdoors
Fri Jan 30, 2015 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: "Planet Money" is shorting SPY
Replies: 10
Views: 985

Re: Who's buying Oil stocks?

I am curious how many Bogleheads may have invested in the Vanguard Energy Fund over the last couple of months. I did read an article this week that the King of Private Equity, The Blackstone Group ($290 BILLION in assets under management), who holds 30% of their investments in Real Estate is also l...
by Grt2bOutdoors
Fri Jan 30, 2015 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 74
Views: 6934

Re: Newbie, please help

Does this help? I am unsure of some of the information needed as learning how it is divided up and what terms mean. Thank you again. If you are unsure of the meaning of the terms - list your questions. We can then respond with the correct answers to make you feel more comfortable with what is being...
by Grt2bOutdoors
Fri Jan 30, 2015 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie, please help
Replies: 7
Views: 475

Re: Newbie, please help

It helps somewhat. Here are some of the issues I see with your current portfolio besides the ridiculous "talk fees" and annual charge. Your portfolio is not really diversified or low-cost, instead it appears your financial advisor has been populating the account with a hodgepodge of indivi...
by Grt2bOutdoors
Fri Jan 30, 2015 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie, please help
Replies: 7
Views: 475

Re: Arguments for Saving/Investing vs Mortgage prepay

From The Way to Wealth - Ben Franklin - "if you want to know the value of a dollar go and borrow some". That fits your friend to a T. If she ties up all of her money in an illiquid vehicle, that being the home, and is in a financial pinch, it's far easier to borrow from your own savings ac...
by Grt2bOutdoors
Fri Jan 30, 2015 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Arguments for Saving/Investing vs Mortgage prepay
Replies: 4
Views: 382

Re: How to respond when someone asks how much money you make

From what I've heard, the new working generation shares salary info very freely. At first, I thought this would do no good for anybody. Turns out - pay secrecy - is a conspiracy backed by employers to keep salaries lower. It can also be used by employers to hide gender/ageism pay differences/increa...
by Grt2bOutdoors
Fri Jan 30, 2015 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 63
Views: 4857

Re: Savings Bond Registration

You or your wife, You with your wife - why not just place in your will, that your daughter is the beneficiary of all US Savings bonds in the event of your deaths? Let's say you pre-decease your wife, at that point your wife becomes the sole owner, she can then fill out the necessary forms to list yo...
by Grt2bOutdoors
Fri Jan 30, 2015 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Registration
Replies: 3
Views: 235

Re: Play money- what is your process?

So GrtB Out, you would argue that an individual investor can't obtain better returns by working smarter/harder? The road is littered with the carcasses of failed actively managed mutual funds, hedge funds, brokerage houses that failed, individual investors who've claimed bankruptcy. I'm sure they a...
by Grt2bOutdoors
Fri Jan 30, 2015 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Play money- what is your process?
Replies: 59
Views: 3559

Re: Where to put company cash

What does the company charter and/or policy on the management of company assets say? Before you move assets around, you should check to make sure you are in compliance. Some companies are not willing to have any NAV fluctuation in their cash assets.
by Grt2bOutdoors
Fri Jan 30, 2015 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put company cash
Replies: 5
Views: 290

Re: Book recommendations for a new investor and father.

The Millionaire Next Door - especially pay attention to the fact that the millionaires surveyed in the book were frugal, frugal, frugal but the one area they were willing and able to open their wallets was for their offspring's education. Therefore, if your friend and his intended have any intentio...
by Grt2bOutdoors
Fri Jan 30, 2015 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Book recommendations for a new investor and father.
Replies: 7
Views: 374

Re: Play money- what is your process?

I guess if there are onlookers that have not responded, I'd additionally like to here from those that used to be more hands on with investments and have converted over to more BH principles and simplicity. A thought I'd like to get feedback on: Can working harder and smarter at investing in individ...
by Grt2bOutdoors
Fri Jan 30, 2015 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Play money- what is your process?
Replies: 59
Views: 3559

Re: VTI last 11 years

A friend had me look into his returns over the past 11 years. I checked the S&P and the cumulatuive return was 85.7%. I then checked VTI and see the return was 146%. What is the reason for the 60% greater return...I was shocked at the difference. 30% of VTI is small/mid caps equities. S&P i...
by Grt2bOutdoors
Fri Jan 30, 2015 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: VTI last 11 years
Replies: 9
Views: 561

Re: The challenges of staying the course...

^ seriously? Are you planning on retiring tomorrow? In 2011, I was flat, but in the following 2 years I was up big. So, you are venting over the results of a one year period? I recommend for a sanity check you review the results of 2008-2009 for people who were in the Target Retirement funds, any of...
by Grt2bOutdoors
Fri Jan 30, 2015 8:48 am
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 27
Views: 1761

Re: New city, new jobs, new retirement strategies?

Dear Bogleheads of State: Greetings! I have lurked on these amazing forums for a couple years and now find myself turning to your collective wisdom as my wife and I embark on new jobs in a new city. I would love to get your opinions on our general finances, retirement goals and life decisions like ...
by Grt2bOutdoors
Fri Jan 30, 2015 8:42 am
 
Forum: Investing - Help with Personal Investments
Topic: New city, new jobs, new retirement strategies?
Replies: 1
Views: 218

Re: Who's buying Oil stocks?

why are people here so deadset that purchasing an individual stock automatically = gambling? why can't there be people out there who analyze a company, review the 10Ks, the balance sheet, the history, etc. and make an informed decision about purchasing a piece of the company for a fair price with t...
by Grt2bOutdoors
Fri Jan 30, 2015 8:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 74
Views: 6934

Re: The lowest stock allocation you plan to stay with

I'm 70/30 right now, aiming for 50/50 come retirement, will determine whether I stay there or move down to 40/60 at age 70.
by Grt2bOutdoors
Fri Jan 30, 2015 8:13 am
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 73
Views: 2901

Re: Who's buying Oil stocks?

I may buy some when oil bottoms out. Maybe stocks, etf or an energy fund. Too early right now. Yes. Please let us know when this happens. Do you pick tops too? Still too early. Agree 100%. Still too early. How do you know for certain whether we are 90% of the way there or less? The brokerages have ...
by Grt2bOutdoors
Thu Jan 29, 2015 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 74
Views: 6934

Re: Who's buying Oil stocks?

The major question is future earnings. If you don't know what where the price of oil will settle, you can't determine a fair value for the stock. If you think the oil price will settle well below $100/bbl for a couple years, doesn't that mean that the stock valuation from last year will not simply ...
by Grt2bOutdoors
Thu Jan 29, 2015 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 74
Views: 6934

Re: Your Minimum Annual Expenses

$50K annually including taxes.
by Grt2bOutdoors
Thu Jan 29, 2015 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Minimum Annual Expenses
Replies: 37
Views: 3292

Re: Any reason NOT to buy treasuries individually?

If you are seriously contemplating holding individual Treasuries that are nominal, and go along with the theory to hold 30% in 20 year+ maturities, then going along with the other thread on EE bonds, it pays to purchase from Treasury Direct EE Savings bonds and hold for 20 years exactly. If you hold...
by Grt2bOutdoors
Thu Jan 29, 2015 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Any reason NOT to buy treasuries individually?
Replies: 17
Views: 1418

Re: Poll: Do you contribute max to tax-advantaged before 529

Am contributing the max to retirement accounts including Roth and funding a 529 plan. I fund them as I get paid. In the days when I could not afford to contribute the max to retirement accounts, I always sought to contribute at least 15% of my wages before the employer contribution (it was tough and...
by Grt2bOutdoors
Thu Jan 29, 2015 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Do you contribute max to tax-advantaged before 529?
Replies: 25
Views: 1556

Re: 36 yo looking for early retirement

EmergDoc wrote:
Flashes1 wrote: Wifey was hammering me the day she got out of residency.


Uhhhh......did you really just post that on Bogleheads?


I was thinking the same thing. :shock:
by Grt2bOutdoors
Thu Jan 29, 2015 9:31 am
 
Forum: Investing - Help with Personal Investments
Topic: 36 yo looking for early retirement
Replies: 24
Views: 3564

Re: Newbie, please help

We can help, but first you must help us. Please ask your question in the format shown by clicking the link on my signature - Asking Portfolio Questions. There's a good chance you are being "hosed" by your "financial advisor" (aka financial salesperson) paying $500 a month to talk...
by Grt2bOutdoors
Thu Jan 29, 2015 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie, please help
Replies: 7
Views: 475

Re: Anyone know when CD rates will increase?

Increase? I expect them to fall over the next 6 months. My f-I-l was recently solicited from Wells Fargo (no less) to buy a gimmick CD that is registered as a 5 year callable CD. You get 1.75% for the first 3 years, then 2.25% in year 4 and 4% in year 5. Sounds great, right? Only the catch in small ...
by Grt2bOutdoors
Thu Jan 29, 2015 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone know when CD rates will increase?
Replies: 52
Views: 3822

Re: Emergency funds

Just wondering where most people put their emergency funds. The low interest rates on savings account at Bank of America makes me so sad. What other options are there? I don't want to open another a/c at another bank just for this, but I am wondering if there is a good high yield saving option. Try...
by Grt2bOutdoors
Thu Jan 29, 2015 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Emergency funds
Replies: 9
Views: 992

Re: How much to pay for asset protection

depends on the risk that you or your wife will be sued. 0.10 percent per year is a very low price to pay for ironclad asset protection; umbrella insurance policies do not protect you in all (or even most) lawsuit scenarios. What level of expense ratio would one be willing to continue paying to avoi...
by Grt2bOutdoors
Thu Jan 29, 2015 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: How much to pay for asset protection
Replies: 8
Views: 670

Re: Just purchased 2015 maximum EE Series Bonds

If you plan on buying them to have a January issue date, today or tonight is the time to do so. If you place the order tomorrow, you may find yourself with a February issue date. Another benefit of purchasing savings securities (I or EE) - you get to place the order close to the end of the month but...
by Grt2bOutdoors
Thu Jan 29, 2015 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 3959

Re: College Saving Options for NJ Resident

Thanks so much for your input. Looks like I will look into the NY or UTAH plan. I figured fidelity plan was suboptimal. What everyone thoughts on $500/month per kid (plus birthdays, graduations etc)? Do you think this is a fair number for college in 18 years or so. Thanks again. That depends on wha...
by Grt2bOutdoors
Thu Jan 29, 2015 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: College Saving Options for NJ Resident
Replies: 5
Views: 312

Re: How much to pay for asset protection

What do fees have to do with asset protection?? Depending on the state in which you reside, IRA's may not offer the same level of protection that an ERISA type product offered by your employer does - pension, 401k, 403b. The OP is inferring that if he moves his retirement plan into an IRA, it may b...
by Grt2bOutdoors
Thu Jan 29, 2015 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: How much to pay for asset protection
Replies: 8
Views: 670

Re: College Saving Options for NJ Resident

Hey All, I always appreciate your input and blessed to have a little one on way soon. For background; Both wife and I are high earners with combined total income over 300k. We max out both of our 401k's and do backdoor Roths as we'll each year. We also contribute 3k per month into a brokerage accou...
by Grt2bOutdoors
Wed Jan 28, 2015 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: College Saving Options for NJ Resident
Replies: 5
Views: 312

Re: New Jersey State Employees Deferred Compensation Plan

Nice 75 million dollar annual windfall for Prudential. If this is impacting you, I'd see if you can get the media interested in the story. You need to come up with a good sob story about somebody trying to make ends meet and using this to save for their retirement, but they just can't get there bec...
by Grt2bOutdoors
Wed Jan 28, 2015 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Jersey State Employees Deferred Compensation Plan
Replies: 14
Views: 1127

Re: College or just Savings Investment Option Question

Whats the return on an ESA? Why would I do that versus a hi yield savings? Hmmm. Savings accounts that are FDIC insured bear no risk to principal - you can not lose the dollars you put in due to market fluctuations. That applies to savings accounts held in regular taxable accounts like your name an...
by Grt2bOutdoors
Wed Jan 28, 2015 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: College or just Savings Investment Option Question
Replies: 5
Views: 466

Re: Dealing with pressure for "social donations" at work

Thanks for resurrecting the thread, I can now make sure I "accrue" and "add" 1/12 of this years expected "vigorish" to the bank account. :oops:
by Grt2bOutdoors
Wed Jan 28, 2015 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 174
Views: 12953

Re: Workplace net worth conversations you'd like to avoid?

I made the mistake of telling a friend I paid off my house. This friend now feels it is his place to tell me how I should buy a boat, get a beach house, etc. constantly. I wish I never said a thing. +1 +2 My b-I-l refers to me as Daddy Warbucks though I'm nowhere near there at all. On the other han...
by Grt2bOutdoors
Wed Jan 28, 2015 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 80
Views: 7088

Re: Workplace net worth conversations you'd like to avoid?

It's one thing to have an informative, educational learning discussion, it's another to be party to a conversation brought about by ignorance. You can not always avoid these conversations, nor can you look at someone's work behaviors and make assumptions about spending patterns or why one may or may...
by Grt2bOutdoors
Wed Jan 28, 2015 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 80
Views: 7088

Re: Just purchased 2015 maximum EE Series Bonds

I should change my username to "on_the_fence_investor" because that's where I am re: my fixed income AA... considering I, EE and/or TIAA Traditional in a GSRA. For those of you dissatisfied with the 20-year wait / 3.5% reward for EE bonds, what are you doing instead (in taxable space)? I ...
by Grt2bOutdoors
Wed Jan 28, 2015 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 3959

Re: Retirement Plan: How am I doing?

If you believe in the 4% safe withdraw rate, your $90K pension is worth at least $2.25M, plus your $1.0M savings, you have an equivalent of $3.25M retirement portfolio. That is bigger than many of us have here. You can still believe in a 4% withdrawal rate, but the key difference here is one who ow...
by Grt2bOutdoors
Wed Jan 28, 2015 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan: How am I doing?
Replies: 16
Views: 1864

Re: New baby college planning advice needed

All of the possibilities have their pluses and minuses. 1. UTMA account: Money taxed at childs rate. You have no control of what they do when they mature. If the child is not responsible, you might regret them having the money. Money is considered when figuring financial aid. Child grows up to be a...
by Grt2bOutdoors
Wed Jan 28, 2015 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: New baby college planning advice needed
Replies: 5
Views: 793

Re: Retirement Plan: How am I doing?

If you believe in the 4% safe withdraw rate, your $90K pension is worth at least $2.25M, plus your $1.0M savings, you have an equivalent of $3.25M retirement portfolio. That is bigger than many of us have here. You can still believe in a 4% withdrawal rate, but the key difference here is one who ow...
by Grt2bOutdoors
Wed Jan 28, 2015 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan: How am I doing?
Replies: 16
Views: 1864

Re: We'd like advice on our situation/plan.

If you pay off the rental property, you will have exchanged liquidity for an illiquid property and a taxable income. If you stop contributing to the 401k, you will increase your taxable gross income immediately, in exchange for paying down a debt and increasing your illiquid assets even though you w...
by Grt2bOutdoors
Wed Jan 28, 2015 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you pay off a mortgage or not to create more options?
Replies: 5
Views: 734

Re: Perspectives on house with a pool

If you have extra $$ to literally toss into a pool, then by all means buy the home with the pool. :P In my neck of the woods, a built-in-pool will guarantee you one thing - higher property taxes, maintenance (I hope you're handy!), cleaning, putting the stupid pool cover on it after you rake all the...
by Grt2bOutdoors
Wed Jan 28, 2015 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Perspectives on house with a pool
Replies: 21
Views: 1499

Re: Women's Face Moisturizer/Lotion

Personally, I think it would be a great gift. Would suggest you visit Macy's and get some suggestions/ideas at their fab department with sales women that will fall over each other to help a man. They have packaged items in gift sets. I'm mid-40's and my favorites are from Bobbi Brown, Origins and C...
by Grt2bOutdoors
Wed Jan 28, 2015 11:10 am
 
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3434

Re: What age did you move out?

I still live with my parents. Im kind of weird like that, Im a minimalist who doesnt plan on marriage or kids and Id like to hit FI asap. So it feels natural to me, even as a 33 yo man. They own a duplex, got tired of landlording and missed me when I took a job several states away. Theyre nearning ...
by Grt2bOutdoors
Wed Jan 28, 2015 11:07 am
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 4822

Re: Payoff Mortgage with investments in taxable accounts

Another thought, while I don't know what the exact calculation is per FAFSA, they usually permit some level of assets to be retained (believe it may be around $60K) per family, before they start assessing the 5.64% requirement for EFC. Check out http://www.finaid.org and see what the thresholds are ...
by Grt2bOutdoors
Wed Jan 28, 2015 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage with investments in taxable accounts
Replies: 22
Views: 1637

Re: New Jersey State Employees Deferred Compensation Plan

Perhaps there may be very few of the purported class that actually use the plan. I don't think most NJ public employees are living the life of Riley being able to defer more income into such plans after paying for HCOL expenses. If they are lucky, they'll escape with their pension benefits intact at...
by Grt2bOutdoors
Wed Jan 28, 2015 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: New Jersey State Employees Deferred Compensation Plan
Replies: 14
Views: 1127

Re: Just purchased 2015 maximum EE Series Bonds

only 1 10k boat per year, so jump on it or see it sail away forever... I've been jumping on for 4 years now and very happy with it... And DW and I have each been jumping on the 10k I bond boat for the last 4 years. I guess we'll have to revisit this thread in 20 years and see who did better :D To m...
by Grt2bOutdoors
Tue Jan 27, 2015 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 3959

Re: Do Bogleheads' Children Qualify For Need Based College A

Price discrimination is charging different prices, relative to costs, to different buyers of the same product. The colleges hold all the cards. They know what you have and will charge accordingly. Gee why don't they let the guy who collects for your ticket at the movie theater know your assets so h...
by Grt2bOutdoors
Tue Jan 27, 2015 7:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads' Children Qualify For Need Based College Aid?
Replies: 35
Views: 3108

Re: New Boglehead Portfolio Checkup

I'm assuming you'll be paying cash for your car and engagement ring, so your e-fund will probably be down a good 30K when all said and done with. If that's the case, leave the 20K in a savings account paying 1% or put some of it in an intermediate tax exempt fund yielding a bit more. Watch for your ...
by Grt2bOutdoors
Sun Jan 25, 2015 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Portfolio Checkup
Replies: 3
Views: 864

Re: Seeking Help With Investments

Tax efficient, low cost broad based stock index funds - Total Stock Market Index and Total International Stock Index.
by Grt2bOutdoors
Sun Jan 25, 2015 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Help With Investments
Replies: 6
Views: 684
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