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Re: I Bonds - now or later in the year?

This is kind of off topic, however... Over the past couple years I have moved the bulk of my EF to Ibonds (75%). I have never had to withdrawal anything. If I did need to withdrawal a portion that has been vested past the 12 month mark, are there any hoops to jump through? Or is it a pretty standar...
by Grt2bOutdoors
Mon Mar 30, 2015 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds - now or later in the year?
Replies: 37
Views: 2983

Re: Did you learn anything from 2008?

It's nice to have cash in the bank.
That came in handy during the 2009 lows during March.
by Grt2bOutdoors
Mon Mar 30, 2015 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 23
Views: 912

Re: Grieving Home Assessment on Long Island (Town of Brookha

My situation: Own a small summer home (bungalow) on Long Island (Town of Brookhaven, Suffolk County). The house has electric-baseboard heat and could be lived in year-round, but this would be impractical. The walls have no insulation; heating in the winter would be prohibitively expensive. I winter...
by Grt2bOutdoors
Mon Mar 30, 2015 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Grieving Home Assessment on Long Island (Town of Brookhaven)
Replies: 5
Views: 499

Re: Riddle Me This

If Jack Bogle recommends "roughly your age in bonds" and there are some slight variations. Why does Vanguard keep telling me that my target is 15%. I am 45 and have even gone through the questionnaire. I understand it is personal investment style and theory but wouldn't you think the orga...
by Grt2bOutdoors
Mon Mar 30, 2015 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Riddle Me This
Replies: 4
Views: 566

Re: How many of you invest in individual stocks?

Started investing in individual equities over 20 years ago, mainly a diversified large cap value equity/low beta (misnomer - when the market declines, nearly everyone goes along for the "ride") portfolio. That portfolio has done well overall - it's not designed to be a "shoot the ligh...
by Grt2bOutdoors
Mon Mar 30, 2015 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 52
Views: 2670

Re: Implications of Marriage - she with debt and low income

One should marry for love. The other stuff will work out if that ingredient exists. I find this thread a tad depressing. Don't kid yourself, a lot of marriages are really "financial transactions". When the money runs out or you run into financial trouble, you find marriages start breaking...
by Grt2bOutdoors
Mon Mar 30, 2015 7:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Implications of Marriage - she with debt and low income (WI)
Replies: 48
Views: 3776

Re: Implications of Marriage - she with debt and low income

Spouse and I married with a similar amount of financial assets, we talked about a pre-nup, then decided to just keep everything before the marriage separate, everything after - well, I live in a state where there is equitable distribution of marital property. In your case, I would strongly consider ...
by Grt2bOutdoors
Mon Mar 30, 2015 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Implications of Marriage - she with debt and low income (WI)
Replies: 48
Views: 3776

Re: Hate where we live, do we make major changes?

I'm no shrink, but it sounds like you are having a mid-life crisis. Take a deep breath, then begin investigating other locales including the ability for you to find viable employment. Don't make any rash moves - the economy is still not vibrant enough to just pack up and go.
by Grt2bOutdoors
Sun Mar 29, 2015 11:09 am
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 80
Views: 5124

Re: Beginning Dividend Investing For Passive Income

How much in dividend income are you seeking to generate? What is your time horizon? What is your current tax bracket? 15 or 25%? Do you pay state tax as well? Investing in individual equities entails a significant amount of risk, if the company runs into trouble and either fails to meet earnings est...
by Grt2bOutdoors
Sat Mar 28, 2015 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginning Dividend Investing For Passive Income
Replies: 14
Views: 1503

Re: investment allocation for a non-retirement goal

I am not a Californian. Other threads recommend not having all your tax-exempt bonds in one state. The optimum may be 50% California tax-exempt and 50% US tax-exempt. The risk is that something specific to California will occur and cause those bonds to default at a higher rate. Good point. I can do...
by Grt2bOutdoors
Sat Mar 28, 2015 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: investment allocation for a non-retirement goal
Replies: 9
Views: 803

Re: Retirement calculation lies?

Here's what I think: Expected CAGR for VT = 10.2% (source Morningstar premium membership). P/E = 17. Expected CAGR for BND = 2.0% (source Morningstar SEC Rate). P/E = 50. For every increase or decrease of 10% equity has an increase or decrease of about 2% GSD for the portfolio. With numbers like th...
by Grt2bOutdoors
Fri Mar 27, 2015 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement calculation lies? [Geometric vs. arithmetic mean]
Replies: 44
Views: 4037

Re: If you had 1 book to recommend...

I've now read about ten books over the past couple of months. The best is Bernstein's Intelligent Asset Allocator. Number 2 is Malkiel's Random Walk. Next is Chancellor's Devil Take the Hindmost. This third one really helps to understand why "this time its not actually different"! I need ...
by Grt2bOutdoors
Fri Mar 27, 2015 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had 1 [investing] book to recommend...
Replies: 42
Views: 3362

Re: If you had 1 book to recommend...

The Only Guide to a Winning Investment Strategy You'll Ever Need: The Way Smart Money Invests Today Larry E. Swedroe http://www.amazon.com/s/?ie=UTF8&keywords=larry+swedroe+books&tag=googhydr-20&index=stripbooks&hvadid=26455371157&hvpos=1t1&hvexid=&hvnetw=g&hvrand=13...
by Grt2bOutdoors
Fri Mar 27, 2015 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had 1 [investing] book to recommend...
Replies: 42
Views: 3362

Re: Boomer forced to retire (unemployed)

Sorry to hear about the job loss, the market is tough all over. Your husband should not be discouraged, he's getting job interviews and call-backs, that's a big positive. I agree with the others, 80/20 is quite aggressive - I would dial it back to between 60/40 or 65/35 and leave it there. The rate ...
by Grt2bOutdoors
Fri Mar 27, 2015 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boomer forced to retire (unemployed)
Replies: 34
Views: 3898

Re: How much life insurance should my wife and i have???

My life ins: 1. $__160k__Annual income (in dollars) that will be needed by the survivor(s) 2. $__0__Annual income available (pension, Social Security, annuities, etc.) 3. $__160k__Annual income shortfall (#1 minus #2) 4. $__She is 33 so I would say 40 years*160k = 6.4M__Annual income shortfall mult...
by Grt2bOutdoors
Fri Mar 27, 2015 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance should my wife and i have???
Replies: 18
Views: 1442

Re: How much life insurance should my wife and i have???

TS, 1) Why would you buy life insurance?? If either one of you gone, the other one has enough income to take care of the family. And, you have enough asset to cover the rest. So, you may just want to buy the minimum from your employer. One time annual pay or 50K/100K. :oops: Is it just me, or is th...
by Grt2bOutdoors
Fri Mar 27, 2015 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance should my wife and i have???
Replies: 18
Views: 1442

Re: Son graduating college-what to do?

You have the means, he has the initiative and drive, he has interview(s) lined up - he's not a trust-a-farian mooching off of you. I'm with MathWizard on this - 6 months living expenses including health insurance. Re-visit after 6 months and re-evaluate. Call it a college graduation present. I'm sur...
by Grt2bOutdoors
Fri Mar 27, 2015 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 39
Views: 3187

Re: I'm a single 38 yo female needing financial advice

Hello and welcome to the forum! Your savings account/emergency fund is typically recommended to hold somewhere between 6 and 12 months of necessary expenses depending on job stability (Suze Orman recommends a minimum of 8 months expenses). Your current savings account holds approximately 4 months of...
by Grt2bOutdoors
Fri Mar 27, 2015 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a single 38 yo female needing financial advice
Replies: 18
Views: 3029

Re: Wait for I-bond?

Thanks for the explanation. So the rate is for six months regardless of whether the announced variable rate changes during those 6 months? If you buy in April, are you always 5 months behind in the rate changes, or is it only the first six months? If you buy in April you will be 6 months behind the...
by Grt2bOutdoors
Fri Mar 27, 2015 10:21 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - now or later in the year?
Replies: 37
Views: 2983

Re: Can I afford a $1M house?

Buy it. I spent $625,000 on a two bedroom house in 1989. We put 25% down. My wife and i were making $100,000. People thought I was nuts. The house is now worth between $2,000,000 and $3,000,000. Not the same situation because according to your previous posts, your wife is a trust fund baby. You hav...
by Grt2bOutdoors
Fri Mar 27, 2015 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 65
Views: 6015

Re: Can I afford a $1M house?

I've seen lots of people who had very stable jobs, right up to the point they didn't. I think it is a personal decision. I personally bought 5X LESS house than I could afford and retired at 40. I wouldn't have it any other way. +1 Exactly. I work in an industry that was growing by leaps and bounds ...
by Grt2bOutdoors
Fri Mar 27, 2015 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 65
Views: 6015

Re: Wait for I-bond?

I would buy now, if only because I don't expect the fixed rate to be positive, if it is it will be maybe 0.10 with a variable rate of zero. If you buy now, the fixed rate is zero, the variable rate is 1.48% or 0.74% annually. You can then choose whether you want to cash out in a year or keep it as ...
by Grt2bOutdoors
Fri Mar 27, 2015 9:55 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - now or later in the year?
Replies: 37
Views: 2983

Re: Wait for I-bond?

I would buy now, if only because I don't expect the fixed rate to be positive, if it is it will be maybe 0.10 with a variable rate of zero. If you buy now, the fixed rate is zero, the variable rate is 1.48% or 0.74% annually. You can then choose whether you want to cash out in a year or keep it as i...
by Grt2bOutdoors
Fri Mar 27, 2015 8:56 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - now or later in the year?
Replies: 37
Views: 2983

Re: Why 529 plan makes any sense??

I want better for my children too. But, my goal is to train and coach them to survive in a REAL WORLD . That includes how to manage their own finance and know the tradeoff / cost of everything. KlangFool Who says the world you know today, will be the world of tomorrow? There is a saying "those...
by Grt2bOutdoors
Fri Mar 27, 2015 8:53 am
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8483

Re: Traditional IRA into Roth; when Income too High?

OP here, I don't think the individual can re-characterize to a Roth directly due to bumping up on income limitations for the Roth. The individual only has a few years left of employment, perhaps it's just best to file the Form 8606 and let it go? Last year was an off year in terms of expected income...
by Grt2bOutdoors
Fri Mar 27, 2015 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Traditional IRA into Roth; when Income too High?
Replies: 8
Views: 439

Re: Can I afford a $1M house?

Petrocelli wrote:Buy it.


Yes - Buy it, Petrocelli is going to co-sign the mortgage. :wink:
by Grt2bOutdoors
Fri Mar 27, 2015 7:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 65
Views: 6015

Re: Can I afford a $1M house?

So it sounds like your only savings or investments are retirement contributions and home equity. You give no numbers on retirement, but I would assume you are maxing pre tax limits. Given your relatively small taxable portfolio, the fact that retirement is for retirement (not an emergency fund), yo...
by Grt2bOutdoors
Fri Mar 27, 2015 7:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 65
Views: 6015

Traditional IRA into Roth; when Income too High?

If an individual has historically made tax deductible IRA contributions, makes a 2014 contribution into Traditional IRA and then discovers they are ineligible to deduct it from their taxes because they exceeded the MAGI guidelines for 2014, what is this persons options? Can the person convert the 20...
by Grt2bOutdoors
Fri Mar 27, 2015 7:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Traditional IRA into Roth; when Income too High?
Replies: 8
Views: 439

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: 23
Views: 2349

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: 702

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: 29
Views: 2453

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: When does a 529 plan make sense to me?
Replies: 194
Views: 8483

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: When does a 529 plan make sense to me?
Replies: 194
Views: 8483

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: When does a 529 plan make sense to me?
Replies: 194
Views: 8483

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: 729

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: 1030

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: 37
Views: 2970

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: 37
Views: 2970

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: 2778

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: 803

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: 1171

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: 1570

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: 269

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: 200
Views: 11653

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: 8
Views: 818

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: 1693

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: 4166

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: 67
Views: 5157

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: 1693

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: 1603
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