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Re: My deployed soldier is coming home!

cheese_breath wrote:
ShiftF5 wrote:As Mel said please thank your son for his dedication and service. It is much appreciated.

+2


+3 For sticking it to them!, his dedication and service.
by Grt2bOutdoors
Thu Mar 26, 2015 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: My deployed soldier is coming home!
Replies: 16
Views: 1225

Re: EE/I Bond Rate Predictions for May 1 2015?

Flat on the EE bond. Zero on the I bond. Ten year treasury is at 1.99 (market is not pricing in a rate increase "yet"). 30 year T-Bond is at 2.5%. See you next year.
by Grt2bOutdoors
Thu Mar 26, 2015 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE/I Bond Rate Predictions for May 1 2015?
Replies: 6
Views: 560

Re: New Furnace & A/C Unit

In fact, even if you wanted to move sooner than that, it might make sense to upgrade as any potential buyer will see the 25 year old system and assume it will need to be replaced soon anyway. Potential buyers would not know the age of the a/c until after inspection (I doubt homebuyers go into attic...
by Grt2bOutdoors
Thu Mar 26, 2015 12:01 pm
 
Forum: Personal Consumer Issues
Topic: New Furnace & A/C Unit
Replies: 12
Views: 769

Re: Why 529 plan makes any sense??

Worse comes to worse, you could always withdraw funds from the 529 plan, if it was the difference between putting food on table, roof over head, clothes on your back, health, etc. Not optimal, but why view the 529 plan as a place "not to put funds"?
by Grt2bOutdoors
Thu Mar 26, 2015 8:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Why 529 plan makes any sense??
Replies: 145
Views: 5284

Re: Why 529 plan makes any sense??

I don't believe in taking out loans. Financial aid = loans. I'll sacrifice what I can today to avoid debt tomorrow. Loans will be a last resort. Grt2bOutdoors, How does that influence your decision to fund or not to fund 529?? KlangFool What don't you understand from my comment above? Each year I f...
by Grt2bOutdoors
Thu Mar 26, 2015 7:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Why 529 plan makes any sense??
Replies: 145
Views: 5284

Re: Why 529 plan makes any sense??

I don't believe in taking out loans. Financial aid = loans.
I'll sacrifice what I can today to avoid debt tomorrow. Loans will be a last resort.
by Grt2bOutdoors
Wed Mar 25, 2015 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why 529 plan makes any sense??
Replies: 145
Views: 5284

Re: Open account for child?

No the gift giver did not specify how or where the child should spend the money, Yes we have 17 years before college starts. I just want the money to start growing from now, instead of sitting in a savings account. Would opening a Vanguard taxable account under my name and earmarking it for the chi...
by Grt2bOutdoors
Wed Mar 25, 2015 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Open account for child?
Replies: 8
Views: 711

Re: College funding

What state do they reside in? Some states like NY offer a tax deduction or credit on state income tax returns up to a specific dollar limit. A 529 plan is preferable to the extent that retirement accounts are fully funded especially if you can receive a state tax benefit, or you have 18-20 years bef...
by Grt2bOutdoors
Wed Mar 25, 2015 9:01 am
 
Forum: Investing - Theory, News & General
Topic: College funding
Replies: 10
Views: 983

Re: International stock dividend cut. Why?

As to the why? I don't have the faintest idea, maybe something magic about the calendar, holidays, or whatever. I am sure we will "catch up" in later quarters. OK, then I have to hold foreign stock for another 3/4. Dividends are important if I'm going to match my benchmark of a real retur...
by Grt2bOutdoors
Wed Mar 25, 2015 8:02 am
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 34
Views: 2491

Re: International stock dividend cut. Why?

Exchange rates changed a bit, too. A euro doesn't buy as many cents as it used, so your bags of pennies only get filled up part way this year compared to last year. I think this is one of the big drivers. From my situation. I am happy. I am up quite a bit from my last livesoft TLH and I would prefe...
by Grt2bOutdoors
Wed Mar 25, 2015 7:59 am
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 34
Views: 2491

Re: What do you think of storage sheds as an investment?

Buy a REIT and call it a day - there's Public Storage, Sovran Storage, U-Store It. Pick one, let them handle the management for you, all you have to deal with are the tax headaches if held in a taxable account.
by Grt2bOutdoors
Wed Mar 25, 2015 7:53 am
 
Forum: Investing - Help with Personal Investments
Topic: What do you think of storage sheds as an investment?
Replies: 33
Views: 2697

Re: [investing money from employment and inheritance]

Sorry for your loss. Life is indeed short, but you seem to have a good head on your shoulders to make the best of what talents and assets you have. As the other poster recommended, the Four Pillars of Investing is a good book as are the following: The Little Book of Common Sense Investing by John Bo...
by Grt2bOutdoors
Wed Mar 25, 2015 7:50 am
 
Forum: Investing - Help with Personal Investments
Topic: [investing money from employment and inheritance]
Replies: 9
Views: 774

Re: One single investment in a taxable account

My tax rate is 25 percent. I have approximately $1.6 million saved, of which all but $100K is in tax-deferred accounts. I would like to maintain an approximate 60/40 allocation through my lifetime. Maybe as much as 65 percent equities. Currently, 55 percent in VWENX, 40 percent in PRWCX, and 5 perc...
by Grt2bOutdoors
Wed Mar 25, 2015 7:26 am
 
Forum: Investing - Help with Personal Investments
Topic: One single investment in a taxable account
Replies: 10
Views: 1132

Re: Advice for parents

+1 To all the posters who responded thus far. FDIC insured vehicles like savings accounts and certificates of deposits should be the only place to put the money. There is no need to take risk, there is a very good likelihood your parents don't like risk of any kind (lack of willingness). You know th...
by Grt2bOutdoors
Wed Mar 25, 2015 7:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for parents [with large cash holdings]
Replies: 15
Views: 1516

Re: 401K or Taxable Account

Hello, I currently max out my Roth IRA every year and I also contribute up the employer match for 401K (50% match up to 6%). I still have a decent amount of funds left that i contribute to a taxable account. Would I be better off to work towards maxing out my 401K or continue to put the funds towar...
by Grt2bOutdoors
Tue Mar 24, 2015 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K or Taxable Account
Replies: 4
Views: 257

Re: Restaurant tipping

10-15% or less if service is poor/mediocre. I left a "dime" once as in a singular Roosevelt on the table because service was beyond mediocre, the waiter was rude, the concierge was rude and the food came out cold. They got the "message" and I never returned to that restaurant aga...
by Grt2bOutdoors
Tue Mar 24, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 176
Views: 9626

Re: Portfolio help please

OP - those aren't stocks you've been buying, they are all energy Master Limited Partnerships. Your accountant must love getting those K-1's. You may have exposed yourself to AMT via your share of the revenues and losses reported on those K-1's. I would take the loss and get out of them now. If you f...
by Grt2bOutdoors
Tue Mar 24, 2015 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help please
Replies: 7
Views: 659

Re: My Dads retirement

Grt2bOutdoors » Tue Mar 24, 2015 6:55 am Hello and welcome to the forum! I agree - most financial planners are really financial advisors aka financial sales people who are out to skim your retirement to line their pockets, not yours. While I don't use a financial planner I know many planners and ha...
by Grt2bOutdoors
Tue Mar 24, 2015 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: My Dads retirement
Replies: 8
Views: 1646

Re: Roommate problems

I realize this seems somewhat strange. I have some knowledge of the reason for this secrecy. It would involve getting into family and moral issues that probably aren't appropriate for this board. Let's just say that the roommate's mother would not approve of her son living with any girlfriend - esp...
by Grt2bOutdoors
Tue Mar 24, 2015 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Roommate problems
Replies: 39
Views: 4136

Re: Excess Cash - Play Monopoly or Repay Debt?

I would advise either deleveraging or building up your reserves. While some, and apparently you, would be comfortable with this situation, I would not be. I would prefer to rely on my own funds rather than those of family members. Unfortunately, family help can sometimes come with strings attached,...
by Grt2bOutdoors
Tue Mar 24, 2015 8:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Excess Cash - Play Monopoly or Repay Debt?
Replies: 60
Views: 4161

Re: My Dads retirement

Hello and welcome to the forum! I agree - most financial planners are really financial advisors aka financial sales people who are out to skim your retirement to line their pockets, not yours. Some municipalities did not participate in Social Security due to an election by the state to "opt-out...
by Grt2bOutdoors
Tue Mar 24, 2015 7:55 am
 
Forum: Personal Finance (Not Investing)
Topic: My Dads retirement
Replies: 8
Views: 1646

Re: Term Life: How Much & Term Length Guidance

Fellow Bogleheads, My wife and I decided we need to get Term life on me and likely on her eventually. First a bit about us. I'm 42, she's 40, we have a 10 month old and another one expected this October. I work FT (about $90k/yr) and she works PT ($30k/yr). We have mid six figures in retirement sav...
by Grt2bOutdoors
Tue Mar 24, 2015 7:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Term Life: How Much & Term Length Guidance
Replies: 16
Views: 1536

Re: 15 vs 30 yr mortgage

I wouldn't bank on an 8% annual return, OP. Sequence of returns can hurt your expectations if bad results come in after say 10 years of investment. If you pre-pay your mortgage, the rate of return is known upfront, after 10 years, you still will know what the end result will be, the same can not be ...
by Grt2bOutdoors
Mon Mar 23, 2015 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 78
Views: 5447

Re: DCP v. After Tax Vanguard

DCP - Deferred Compensation Plan. Given the choice, I opt for using the Deferred Comp plan assuming you have access to the Spartan Index funds which charges rock-bottom expenses for broad based index funds if you need income at retirement. The reason being, as low cost as the Vanguard funds are, dis...
by Grt2bOutdoors
Mon Mar 23, 2015 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: DCP v. After Tax Vanguard
Replies: 3
Views: 330

Re: Liability coverage needed for tree removal

Try this company, http://asplundh.com/contact_us.htm - they are in Florida, my local utility uses them to clear the power lines of troublesome trees. They might be pricey, removing large trees is not cheap.
by Grt2bOutdoors
Mon Mar 23, 2015 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Liability coverage needed for tree removal
Replies: 11
Views: 1113

Re: child's investment - change to own by adult? best tax?

But not sure how liquidating that money, under my father's direction is theft? We are basically trying to un-do how this was setup while it is small and doesn't have any tax liability. Neither the donor nor the custodian can "un-do" or revoke an outright gift. The gift now belongs to the ...
by Grt2bOutdoors
Mon Mar 23, 2015 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: child's investment - change to own by adult? best tax?
Replies: 6
Views: 339

Re: child's investment - change to own by adult? best tax?

You as custodian have the child's tax id number - the right and proper thing to do is to 1) don't file a tax return because there is zero tax liability (if true - use TurboTax or TaxCaster to figure out any potential liability) or 2) file the tax return, signing the return as John Doe, Jim Doe as Cu...
by Grt2bOutdoors
Mon Mar 23, 2015 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: child's investment - change to own by adult? best tax?
Replies: 6
Views: 339

Re: FA needs investment advice

...or on the equity side, overweight non-cyclicals. I don't know what this means. Can you give some examples? Dale_G is advocating holding a portfolio of consumer non-durables, healthcare, perhaps utilities and some technology - areas of the economy that are not exposed to the vagaries of the econo...
by Grt2bOutdoors
Mon Mar 23, 2015 8:19 am
 
Forum: Investing - Help with Personal Investments
Topic: FA needs investment advice
Replies: 25
Views: 2276

Re: Vanguard Windsor II Fund

Hello everyone, If this fund has been discussed, I couldn't find the thread amongst the first few pages of topics. I have owned Windsor II for approx 15 years and, by far, it has been the poorest performer among my Vanguard holdings. My other holdings originated around the same time and the bulk of...
by Grt2bOutdoors
Mon Mar 23, 2015 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Windsor II Fund
Replies: 11
Views: 1821

Re: Should I invest my emergency fund?

All I want is for the cash to be there if and when I lose my job But what if you don't lose your job? I think that is an important scenario to consider and one that folks with emergency funds don't think about often enough. In my case, I think the odds are better that I will keep my job. So I am be...
by Grt2bOutdoors
Mon Mar 23, 2015 7:51 am
 
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 5858

Re: Should I invest my emergency fund?

I read this post by Dan Egan on the Betterment blog, and it really made a lot of sense to me: Safety Net Funds: Why Traditional Advice Is Wrong Their key takeaways: ⋅ Don’t keep your safety net fund in cash savings accounts. Odds are you’ll lose money due to inflation, and lose out on pot...
by Grt2bOutdoors
Mon Mar 23, 2015 7:44 am
 
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 5858

Re: Should I invest my emergency fund?

I read that Betterment post a couple of weeks ago and love what it had to say, because I always feel bad about my emergency money just sitting there. Rather than having 6 months of expenses at on online savings account, my new plan is to have 4 months at an online savings account and 4 months in eq...
by Grt2bOutdoors
Mon Mar 23, 2015 7:43 am
 
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 5858

Re: What Age Did You First Ponder Financial Independence?

Having talked to my brothers and sisters, they feel the same way. Our childhood appears to have had a profound impact on how we view financial independence. I can identify with this - my experiences revolved around a cold frigid winter morning where the landlord refused to raise the heat above 65 d...
by Grt2bOutdoors
Sat Mar 21, 2015 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Age Did You First Ponder Financial Independence?
Replies: 74
Views: 6528

Re: Route to an $8 Million Portfolio Started With Frugal Liv

I think that is a very sad situation. The guy was extremely frugal and continued to be extremely frugal even after he had considerable net worth. I don't want to be like that, and I don't think he is a good lesson for others. I disagree. Once frugality is ingrained, it remains there. In reality, we...
by Grt2bOutdoors
Sat Mar 21, 2015 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Route to an $8 Million Portfolio Started With Frugal Living
Replies: 31
Views: 4864

Re: Route to an $8 Million Portfolio Started With Frugal Liv

I think that is a very sad situation. The guy was extremely frugal and continued to be extremely frugal even after he had considerable net worth. I don't want to be like that, and I don't think he is a good lesson for others. The lesson should be to live a balanced life - live below your means most...
by Grt2bOutdoors
Sat Mar 21, 2015 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Route to an $8 Million Portfolio Started With Frugal Living
Replies: 31
Views: 4864

Re: Where is Larry Swedroe

Welcome back Larry! :D
by Grt2bOutdoors
Fri Mar 20, 2015 11:32 am
 
Forum: Investing - Theory, News & General
Topic: Where is Larry Swedroe
Replies: 18
Views: 4071

Re: IBonds - now or later in the year?

I have my 10K for this year in a no penalty CD and figured that with the expected 0 variable rate coming in May, I might as well hold out until then in hopes of a .1 or even .2 percent fixed. I mean won't they struggle to sell iBonds offering nothing? Anyway, keeping the 10K liquid for a few more m...
by Grt2bOutdoors
Fri Mar 20, 2015 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: IBonds - now or later in the year?
Replies: 11
Views: 1023

Re: IBonds - now or later in the year?

It would be a miracle if the Treasury raised the fixed rate to a positive number above zero. The variable rate is going to come down, likely to be zero come May.
by Grt2bOutdoors
Fri Mar 20, 2015 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: IBonds - now or later in the year?
Replies: 11
Views: 1023

Re: How do you invest your taxable account?

Taxable - a mix of tax-efficient equity oriented index funds. Fixed income - high yield residential mortgage, I bonds, Intermediate Tax Exempt. Tax deferred - equity oriented index funds, total bond market index. Roth - actively managed equity funds and funds that throw off distributions that would ...
by Grt2bOutdoors
Fri Mar 20, 2015 8:46 am
 
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 62
Views: 5692

Re: The Most Likely Portfolio Peril — Inflation or Deflation

Deflation as a result of economic catastrophe is another thing. Economic catastrophe is bad for everything. The problem with Deflation is that it can cause Economic Catastrophe. When people start hoarding money, because prices will drop next year and you can buy those items on sale, it can cause a ...
by Grt2bOutdoors
Fri Mar 20, 2015 8:41 am
 
Forum: Investing - Theory, News & General
Topic: The Most Likely Portfolio Peril — Inflation or Deflation?
Replies: 40
Views: 3710

Re: [New Member Observations- Covered Calls, Financial Advis

I retitled the thread. OP - if you disagree, just edit the Subject: line in Post #1. For the purposes of this discussion, "financial advisor" refers to an Investment adviser . OP? He left the building some time ago when he realized he couldn't sell something. Paul OP left Wednesday March ...
by Grt2bOutdoors
Fri Mar 20, 2015 8:37 am
 
Forum: Investing - Theory, News & General
Topic: [New Member Observations- Covered Calls, Financial Advisors]
Replies: 220
Views: 15242

Re: Observations from a first time poster, long time reader.

There's no free lunch. You sell covered calls and collect a premium most of the time, but when there is a significant downturn, like in 2008, you get hammered with huge downside losses. In geek speak, you're paid a premium from selling calls that expose your portfolio to left-side tail risk while c...
by Grt2bOutdoors
Fri Mar 20, 2015 8:28 am
 
Forum: Investing - Theory, News & General
Topic: [New Member Observations- Covered Calls, Financial Advisors]
Replies: 220
Views: 15242

Re: An inspiring message for Bogleheads

Taylor,

Thanks for sharing that message. To Peter - congratulations, keep at it, you will reach your goals. All the best.
by Grt2bOutdoors
Fri Mar 20, 2015 8:15 am
 
Forum: Investing - Theory, News & General
Topic: An inspiring message for Bogleheads
Replies: 56
Views: 4166

Re: An inspiring message for Bogleheads

H.L. Mencken described a cynic as someone who smells flowers and looks for a coffin. In the grand scheme of things, whether the numbers in Peter's account add up or not is irrelevant. What is important is that a young man has learned the value of saving, investing and the power of compound interest...
by Grt2bOutdoors
Fri Mar 20, 2015 8:11 am
 
Forum: Investing - Theory, News & General
Topic: An inspiring message for Bogleheads
Replies: 56
Views: 4166

Re: An inspiring message for Bogleheads

it is possible that the assumption that Peter has been living at home/ with parents is incorrect. Peter did say he is living with his dad (easy to miss): (I live with just my dad only) Yes, but he also states that the father lost his job. Are we to assume the the son making $11.50 per hour paid for...
by Grt2bOutdoors
Fri Mar 20, 2015 8:08 am
 
Forum: Investing - Theory, News & General
Topic: An inspiring message for Bogleheads
Replies: 56
Views: 4166

Re: Profit Sharing Plans, IRAs and 401k

Lots' of helpful info there, and a few questions to respond to: - I'm above the limit for both types of IRA (2014 AGI = 250K), and I don't have any non W2 income, so does that automatically exclude me from funding any tax-deferred account? As for tax-deferred, you could put money in a Health Saving...
by Grt2bOutdoors
Fri Mar 20, 2015 7:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Profit Sharing Plans, IRAs and 401k
Replies: 12
Views: 631

Re: What to do with cash

Please give me some insight on what I should do with our cash. Savings Account 250K. So here are my questions: 1) My husband has real difficulty jumping into the market. He keeps saying 'We're in a bubble! Everything is over-valued!' Mind you, he's been saying this for 4 years now. As a result, we'...
by Grt2bOutdoors
Thu Mar 19, 2015 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with cash
Replies: 15
Views: 1642

Re: >$250,000 portfolios with Vanguard? Insurance?

AlexB wrote:Since only $250,000 is insured by FDIC, then how do most of you handle the investment of your large >$250,000 portfolios with Vanguard?


Investments are not insured by the government or FDIC. How do we protect it? Diversification.
by Grt2bOutdoors
Thu Mar 19, 2015 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: >$250,000 portfolios with Vanguard? Insurance?
Replies: 19
Views: 2992

Re: What to do with cash

Thank you very much. I will have to create an IPS, for sure, before I begin. Thank you for that link, dbr. LeeMKe - thank you for the information and summarizing the basic problems so succinctly. I will share with DH (along with the books you recommend) and hope we have some traction :) Recommend A...
by Grt2bOutdoors
Thu Mar 19, 2015 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with cash
Replies: 15
Views: 1642
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