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Re: Investment Advice Please - boglehead redux

It would be of help to other forum members if you listed your gains and losses by each fund held in taxable. We make an effort to make tax-efficient suggestions, that information if provided by you will come in handy. Since your annuity portfolio is all equity, if you wanted to make a overall alloca...
by Grt2bOutdoors
Fri Oct 24, 2014 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice Please - boglehead redux
Replies: 8
Views: 676

Re: NJ - Buying house in flood zone (FEMA)?

House buying 101. Do not buy a house in a floodplain, hurricane zone, or west of the Saint Andreas fault. I guess purchasing prime real estate in Tornado Alley is your speed? :P How about a purchase on the New Madrid fault line which traverses into five different states? If I want a rocking and rol...
by Grt2bOutdoors
Fri Oct 24, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 32
Views: 1227

Re: Giving Ibonds away

Savings bonds are non marketable and non-transferable unless you own the bond - JTW right of survivorship or tenants in common at time of issuance. If you want to donate to charity you have to redeem it first. By gifting you can purchase it for them, but you can not gift what you already own. I stan...
by Grt2bOutdoors
Fri Oct 24, 2014 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Giving Ibonds away
Replies: 2
Views: 566

Re: Need your help! Please advise.

This is a new thread of the same post you made 2 days ago when I analyzed the composition of your portfolio. You asked the same questions in that post. I advised you that you could use the Morningstar free Instant X-ray tool. So you can analyze the composition just as I did. What are the exact gains...
by Grt2bOutdoors
Fri Oct 24, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice Please - boglehead redux
Replies: 8
Views: 676

Re: NJ - Buying house in flood zone (FEMA)?

I live in northern NJ, and was here for both Irene and Sandy. I live in a second floor apartment, so the Sandy flood only took our cars and nothing else. Since then, while looking at home listings, I plug every address into the FEMA database and look on their maps. Maybe I am being too risk averse ...
by Grt2bOutdoors
Fri Oct 24, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 32
Views: 1227

Re: Wife is a newly minted medical partner - next steps?

Interesting thing I found out about disability insurance- some policies seem to have a real sweet spot with the 10 year benefit term. About 25-30% cheaper than to age 65 for me, additional savings to be had for not including a 3% Cost of living rider or a future purchase options. Put that together ...
by Grt2bOutdoors
Fri Oct 24, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife is a newly minted medical partner - next steps?
Replies: 7
Views: 864

Re: Wife is a newly minted medical partner - next steps?

Your wife is a partner in a medical practice and a doctor to boot and you only have a personal umbrella policy of $1MM? :shock: Dude - you are "under-insured" - better work on rectifying that before some attorney makes you regret that for the next 30 years. You do know they can sue you, wi...
by Grt2bOutdoors
Fri Oct 24, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife is a newly minted medical partner - next steps?
Replies: 7
Views: 864

Re: Our plan to pay off our mortgage by Age 40

If you refinance your home now, get the 3.25% rate and started making principal pre-payments of $500 per month in January 2017 you will have your home paid off at age 42.5. If it were me, I'd take that option of pre-paying $500 per month and investing the $719 per month in your 40/60 investment plan...
by Grt2bOutdoors
Fri Oct 24, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Our plan to pay off our mortgage by Age 40
Replies: 10
Views: 1215

Re: Feeling rich to feeling poor overnight

If I were you, I'd just move to a new place in the area and pay higher rent. It's the least drastic option and will give you more time to carefully consider your other options, like moving to a lower-cost area or city, buying a condo, etc. Maybe you can find a 6-month lease to give you some time to...
by Grt2bOutdoors
Fri Oct 24, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 46
Views: 5079

Re: NJ - Buying house in flood zone (FEMA)?

I live in Mercer County NJ and was not aware we had flood zones here as we are so far inland and for the most part not near bodies of water.. Are you absolutely certain that the basement has never flooded (people sometimes tell mistruths on disclosures)? But also, you have mandatory flood insurance...
by Grt2bOutdoors
Fri Oct 24, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 32
Views: 1227

Re: Time For Me to Kick Wellington Through The Goalpost of L

Wellington vs VTINX is not a fair comparison at all. Wellington is about 60% stocks, whereas VTINX is only 30%. Of course Wellington is going to outperform VTINX during a bull market for stocks. A more fair comparison would be Wellesley (VWINX) vs VTINX, since they both hold about 30% stocks: https...
by Grt2bOutdoors
Fri Oct 24, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Time For Me to Kick Wellington Through The Goalpost of Life?
Replies: 39
Views: 3775

Re: Time For Me to Kick Wellington Through The Goalpost of L

Rats!! I hate it when I have to eat crow... I re-checked and found I'd omitted a couple of transactions from my XIRR calculation and the more-sharp-eyed Bogleheaders (than me) are correct. Wellington has done better... my experiment will have to continue for awhile longer... :oops: I own Wellington...
by Grt2bOutdoors
Fri Oct 24, 2014 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Time For Me to Kick Wellington Through The Goalpost of Life?
Replies: 39
Views: 3775

Re: How do you wash your car?

Timely post - I'm planning on washing my car this weekend, and giving it a hard-earned wax, just before winter shows up on my doorstep.
by Grt2bOutdoors
Fri Oct 24, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 141
Views: 6117

Re: How often do you change your car's oil?

Every 3-4 months for my car with dino oil.
Wife's car - every 5K in mileage - also dino oil.
by Grt2bOutdoors
Fri Oct 24, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 72
Views: 2957

Re: Stay-at-home mom looking to invest

+1 on BL's suggestion. Recommend you visit Rickferri.com blog and download his free book, Serious Money. Also, for a more in depth look at asset allocation, pick up a copy of All About Asset Allocation written by Rick from your local library. The best investment you can make to secure your future is...
by Grt2bOutdoors
Thu Oct 23, 2014 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stay-at-home mom looking to invest
Replies: 6
Views: 845

Re: Hedge CDs with long-term Treasurys?

Depending on how much you're planning on buying, I would think EE Savings Bonds would look more appealing for an individual U.S. investors at today's rates. The fact that the EE Savings Bonds are guaranteed to double in 20 years means if you hold onto them for that length of time your effective rat...
by Grt2bOutdoors
Thu Oct 23, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge CDs with long-term Treasurys?
Replies: 8
Views: 633

Re: Gift ideas for kids?

Doll for the girl. Thomas the Train wooden train set for the boy.
by Grt2bOutdoors
Thu Oct 23, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Gift ideas for [1yo boy and 4yo girl]?
Replies: 9
Views: 515

Re: Int'l value fund question

The methodology is not the same - RAFI uses fundamental weighing and is not market cap based. The Vanguard International Value fund is actively managed, not an index. The EFV product is indexed to MSCI. In an effort to mitigate the effects of mispricing, the Fundamental Index methodology assigns wei...
by Grt2bOutdoors
Thu Oct 23, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Int'l value fund question
Replies: 3
Views: 396

Re: [Wants current income and to leave an estate]

Thanks everyone. That answered my questions to date. I need to find out how much I am willing to live on annual and hope that it's less that 4% of principle. I will also invest the money in more stocks than bonds to satisfy the first criteria and keep the rest for current income. I think it's time ...
by Grt2bOutdoors
Thu Oct 23, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Wants current income and to leave an estate]
Replies: 9
Views: 710

Re: Just wondering how you personally calculate net worth

Assets - Liabilities = Sum that is then multiplied by 0.50% to account for taxes and others thoughts on what my net worth should really be! :)
by Grt2bOutdoors
Thu Oct 23, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 53
Views: 3089

Re: Got my first cold call - does this mean I've 'made it?'

Got a new call - they wanted to "help me de-correlate my portfolio from the broad market indexes" :oops: :oops: and sell me a credit card for payment efficiency. :oops:
by Grt2bOutdoors
Thu Oct 23, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got my first cold call - does this mean I've 'made it?'
Replies: 30
Views: 5417

Re: investing during retirment

Thank for responding I have about 50k cash 500k in funds at vanguard I am trying to find some income portfolios with vanguard that will give me a monthly income of 1,200 to 1,500 from my 500k at vanguard Why not just establish a monthly withdrawal/redemption from each of your funds on a month basis...
by Grt2bOutdoors
Thu Oct 23, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing during retirment
Replies: 20
Views: 1924

Re: Slice & Dice International

If you're going to slice and dice, why not hold value-y international equities?
EFV - for EAFE Value
DLS - Wisdomtree Small Cap Dividend

I wouldn't necessarily be fixated on holding specific regions as most broad market indexes will hold ALL of the international regions-ex US.
by Grt2bOutdoors
Thu Oct 23, 2014 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice International
Replies: 9
Views: 793

Re: Emergency Fund Questions

Do you have kids? Do you have abnormal expenses due to medical conditions, family members outside of immediate family relying on you for primary means of financial support? 1 year is the bare minimum if you are a private sector worker who may have a 2 year job search (I'm not kidding either on the d...
by Grt2bOutdoors
Thu Oct 23, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Questions
Replies: 13
Views: 1645

Re: Investment Vehicle for MBA Savings?

80% Short Term Investment Grade
10% Total Stock Market Index
10% Total International Index

^^ If 529 plan is not "in the cards".
by Grt2bOutdoors
Thu Oct 23, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Vehicle for MBA Savings?
Replies: 4
Views: 232

Re: Young Investors Plan – I'm Firing Questions!

Hello and Welcome to the forum! If it were me, I'd open the Total Stock Market this year, then open the Total International Stock next year, followed by the Total Bond Market the following year. Rinse and repeat. Since you are okay with 100% stock, diversifying 50/50 into two different geographical ...
by Grt2bOutdoors
Thu Oct 23, 2014 8:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Young Investors Plan – I'm Firing Questions!
Replies: 8
Views: 1015

Re: Loaning money to invest?

Banks do not usually hand out "personal" loans for "any" use at 3%. If you want to borrow and invest, that is called a margin account. If you took a loan from a bank without declaring the true intent of that loan and then you invest, that is called "fraud". The penaltie...
by Grt2bOutdoors
Thu Oct 23, 2014 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Loaning money to invest?
Replies: 13
Views: 1244

Re: Risk in a high dividend stock portfolio

Hi all, I'm a few years (2 to 5) until retirement, I'm wondering about high dividend stocks. Looking at the site, http://www.dividend.com/dividend-stocks/high-dividend-yield-stocks.php and eliminating say the first 12, just because the dividend is so high you will see 80 stocks paying between 15.69...
by Grt2bOutdoors
Wed Oct 22, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Risk in a high dividend stock portfolio
Replies: 19
Views: 1969

Re: Sold all my individual stocks, but....

Dominion Power is a sub of Dominion Resources. VTSAX held approximately 9,515,359 shares valued at $657,416,153 at September 30, 2014.
Out of 3,657 equities, it ranks at number 107 largest holding. :happy
by Grt2bOutdoors
Wed Oct 22, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Sold all my individual stocks, but....
Replies: 5
Views: 869

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

dillrob, note that if you do have them split the distribution into tIRA and Roth IRA, the presence of the tIRA will interfere with your ability to do back door contributions to Roth IRA. Is that an issue for you? It is an issue for some people who want to do both things (after-tax rolled into Roth ...
by Grt2bOutdoors
Wed Oct 22, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 85
Views: 8039

Re: Give me a road map!

You need a tax attorney, not so much a CPA unless the CPA will handle the business accounting end of it. Next, whatever investment schemes they cook up (and believe me, they will cook up quite a few of them) - AVOID the following - Whole Life Insurance, Variable Annuities, Partnerships. Trusts set u...
by Grt2bOutdoors
Wed Oct 22, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Give me a road map!
Replies: 21
Views: 2168

Re: lost 8606 from years ago - am I in trouble?

Write to the IRS for a copy of your filed income tax return for the year in question. They should send you a copy of your entire return, including the missing Form 8606. Problem solved, don't worry. I don't know the year...it was 8-15 years ago Dear IRS: I am writing to request a full copy of my Fo...
by Grt2bOutdoors
Wed Oct 22, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 16
Views: 1689

Re: I/EE Bonds Nov Rates and 2015 401K Limits?

The CPI-U for September increased 0.1 percent, and the CPI-U increased 1.7 percent over the last 12 months. As for Series I bond rates, the increase in CPI-U from March through September is 0.74%. The rate for the next six month period, excluding any additional fixed rate, is 0.74%. Look for them t...
by Grt2bOutdoors
Wed Oct 22, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 30
Views: 4036

Re: Gross Yearly Income needed in Retirement (Speculation)

The "rules of thumb" all seem to be a percentage of pre-retirement income. I found that ridiculous, since (like most Bogleheads) we saved a LOT. So instead, I kept track of actual expenses for several years. Everything went through our joint checking account, so it was simple to get a CSV...
by Grt2bOutdoors
Wed Oct 22, 2014 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 94
Views: 6456

Re: lost 8606 from years ago - am I in trouble?

Write to the IRS for a copy of your filed income tax return for the year in question. They should send you a copy of your entire return, including the missing Form 8606. Problem solved, don't worry.
by Grt2bOutdoors
Wed Oct 22, 2014 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 16
Views: 1689

Re: Gross Yearly Income needed in Retirement (Speculation)

Wow, so many people are such spenders. I think 40k after taxes is plenty to do all those things you listed with no debt for us. Try that when real estate property taxes cost $15K per year for an "average" home. Or rent for a 1 bedroom efficiency apartment is $1,400 but a parking space cos...
by Grt2bOutdoors
Wed Oct 22, 2014 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 94
Views: 6456

Re: Gross Yearly Income needed in Retirement (Speculation)

Wow, so many people are such spenders. I think 40k after taxes is plenty to do all those things you listed with no debt for us. Try that when real estate property taxes cost $15K per year for an "average" home. Or rent for a 1 bedroom efficiency apartment is $1,400 but a parking space cos...
by Grt2bOutdoors
Wed Oct 22, 2014 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 94
Views: 6456

Re: Should I sell My American Funds?

I accounts over to another fund family (most likely Vanguard). I am in the 39.6% tax bracket. Am I correct in assuming I can transfer my IRA's and Roth IRA's to Vanguard without tax consequences? Would there be any tax consequences for the UTMA's? I have one taxable investment account that I assume...
by Grt2bOutdoors
Wed Oct 22, 2014 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell My American Funds?
Replies: 10
Views: 1258

Re: Gross Yearly Income needed in Retirement (Speculation)

How much gross yearly income before taxes do you think you need in retirement? I'm looking to get a bunch of different viewpoints on this. Here are the parameters. -You own a house and it's paid for free and clear -You own cars outright -You have no debt of any kind whatsoever -You want to live a m...
by Grt2bOutdoors
Tue Oct 21, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 94
Views: 6456

Re: Can I stop saving for a retirement 30 years in the futur

I'm a lot older than you are and at least twice as pessimistic , but I'd be really nervous planning on achieving 4% real growth . I hope that comes to pass, because I'd be living large, but I can't bring myself to rely on it. IMO, max out retirement savings. Hopefully, you will have jobs so gratify...
by Grt2bOutdoors
Tue Oct 21, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I stop saving for a retirement 30 years in the future?
Replies: 11
Views: 2549

Re: Seeking Retirement Portfolio Advice

Great job saving! Nice handle! :)

If you were to utilize the self-brokerage window, what charges would you pay if one were to buy ETF's for instance or mutual funds that are not associated with JP Morgan Chase?
by Grt2bOutdoors
Tue Oct 21, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Retirement Portfolio Advice
Replies: 4
Views: 548

Re: Bonds in taxable or tax advantaged?

If I am using a 2 Fund Portfolio (VTSMX/VTI & VBMFX/BND), with ETFs for both, and given the relatively low Bond yields, does it really matter which account (taxable vs. tax advantaged) to use for either fund? Thanks What is your tax bracket and what is the dollar volume you are talking about? L...
by Grt2bOutdoors
Tue Oct 21, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in taxable or tax advantaged?
Replies: 9
Views: 849

Re: Fund 529 or Catchup 401K Contributions

Does your 401K plan permit after-tax contributions to it? If so, you may want to consider doing that so long as the plan permits at least a once per year in-service distribution of those after-tax contributions that are then directly rolled over into a ROTH IRA account. Just another tool in the box ...
by Grt2bOutdoors
Tue Oct 21, 2014 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund 529 or Catchup 401K Contributions
Replies: 4
Views: 248

Re: Fund 529 or Catchup 401K Contributions

I would vote for 401k plan if the investment options are as cheap as those within the 529 plan. If the 401k plan had costly investment options then maybe the 529 plan would be preferable. Retirement assets are not considered for financial aid or college costs at the present time, plus you would get ...
by Grt2bOutdoors
Tue Oct 21, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund 529 or Catchup 401K Contributions
Replies: 4
Views: 248

Re: Leon Cooperman giving the same advice as Warren

Pretty much in line with where I have been moving for a year or so. Exception is I hold more than 1 index fund. For me setting aside X years of living expenses in a CD ladder or I Bonds then buying equities (especially on dips) has been a more attractive approach then buying an intermediate term bo...
by Grt2bOutdoors
Tue Oct 21, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3234

Re: Leon Cooperman giving the same advice as Warren

Well, if two giants said it, Vanguard is clearly wrong. Sell all your bonds, immediately. Yes, please do so...I along with Warren's insurance subsidiaries will be there to scoop up those higher yields. Lower prices = higher yields. Both Warren and Leon clearly need higher yields to propel their pla...
by Grt2bOutdoors
Tue Oct 21, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3234

Re: What Are We Doing To Our Young Investors?

Three cheers for the "I need it now, I want it now" society, NOT! :annoyed
by Grt2bOutdoors
Tue Oct 21, 2014 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4109

Re: Investment Advice Please - boglehead redux

You are currently 50% equity and 50% fixed income based on your holdings of mutual funds only. You hold a $150K note to your son, do you have a documented mortgage on the property in case of default? A 5% interest rate is above market these days, if your son had decent credit he could theoretically ...
by Grt2bOutdoors
Tue Oct 21, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice Please - boglehead redux
Replies: 8
Views: 676

Re: Can I stop saving for a retirement 30 years in the futur

Your annual expense run rate - does that include the cost of individually paid healthcare for a family of four? Are you currently covered by an employer paid plan? If so, you may find the cost of your healthcare will go up much higher than you are currently budgeting. To answer your question - can y...
by Grt2bOutdoors
Tue Oct 21, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I stop saving for a retirement 30 years in the future?
Replies: 11
Views: 2549

Re: What Are We Doing To Our Young Investors?

"We" are teaching them to live to the limit, take a jump over the cliff even though statistics bear out the grim truth - those who take un-necessary risk will pay the price. There is prudent risk taking and then there is absolute foolishness. Guess which bucket industry is in?
by Grt2bOutdoors
Tue Oct 21, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4109
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