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Re: Very new to investing, questions on my portfolio

"Do you mean consolidate my 401a to the 403b?" What I meant is that you should treat all of your accounts as a single portfolio. There's no need to duplicate your holdings in each of your accounts. As much as possible, choose the best funds for your asset allocation that is available in yo...
by Novine
Fri Nov 28, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Very new to investing, questions on my portfolio
Replies: 5
Views: 793

Re: Refinancing Question

I wouldn't have thought going into this that refinancing at the same rate would even be an option to consider. But it sure seems like it's the best choice for us. Again, thanks for the feedback and insights.
by Novine
Thu Nov 27, 2014 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing Question
Replies: 10
Views: 1104

Re: Refinancing Question

Jimb - Thank you! That's exactly the analysis that I was hoping to get to compare the two options. Turns out that the credit union allowed me to get numbers for the different loan options they have available. I can get a 30 year loan at the same interest rate as the current loan - 3.875%. Closing co...
by Novine
Thu Nov 27, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing Question
Replies: 10
Views: 1104

Re: How to pay ZERO taxes in retirement with 6-figure expens

Thanks for sharing livesoft. That's a great explanation of how the various pieces of income work together to make this possible.I took advantage of this a couple of years ago when I was consolidating my stock holdings. I still have a few stocks out there that have seen a significant appreciation sin...
by Novine
Thu Nov 27, 2014 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 163
Views: 49721

Re: Very new to investing, questions on my portfolio

1. Stop stock picking 2. Consolidate your funds. At this point, there's no need to be duplicating funds in various accounts. 3. What are your fund choices and the ERs for those in your 403b? From what I found in looking up those funds, it looks like you picked funds that sounded "good" (bl...
by Novine
Wed Nov 26, 2014 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Very new to investing, questions on my portfolio
Replies: 5
Views: 793

Re: Refinancing Question

"What is the LTV ratio where you can eliminate PMI? 80%?"

78%. With a FHA loan, I have to pay for a minimum of 5 years no matter what the LTV. If I was to get a similar FHA loan today, it would be PMI for the entire term of the loan.
by Novine
Tue Nov 25, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing Question
Replies: 10
Views: 1104

Re: Refinancing Question

With this FHA loan, it's a fixed percentage of 1.10%. It appears to get reset annually. It dropped about $36 this year ($3 per month).
by Novine
Tue Nov 25, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing Question
Replies: 10
Views: 1104

Refinancing Question

We're 34 months into a 30 year FHA loan at 3.875%. In early 2012, we refinanced using the FHA Streamline option (no appraisal required) to take our interest rate from 6.25% to 3.875%. Because our house was upside down at that point (40% decline in values in our area), refinancing out of FHA wasn't a...
by Novine
Tue Nov 25, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing Question
Replies: 10
Views: 1104

Re: What to do with $76000 IRA Rollover

"Novine- I did have some sitting in cash at Ameriprise. That is how my financial planner did things (and one of the reasons why I left him and started managing the money on my own)." I think you got the point but to be clear, if you had the money invested at Amerprise, it doesn't make sens...
by Novine
Sat Nov 22, 2014 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with $76000 IRA Rollover
Replies: 10
Views: 1321

Re: What to do with $76000 IRA Rollover

Did you have any of it sitting in cash at Ameriprise? If not, why would you want significant amounts of it sitting in cash now?
by Novine
Fri Nov 21, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with $76000 IRA Rollover
Replies: 10
Views: 1321

Re: Help with Mom's portfolio

If you're looking for advice on the investments for retirement, most people don't include homes as part of the portfolio. Your Mom has to live somewhere and unless she has plans to sell either home in the next year and invest those proceeds for retirement or pay down debt, including those in the por...
by Novine
Fri Nov 21, 2014 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's portfolio
Replies: 19
Views: 1549

Re: 34 year old new to investing - help please

I'm a bit confused - you list over $500,000 in savings and retirement accounts and you're "a little late to planning for a secure financial future"? Seems like you're doing OK to me. It's hard to provide much guidance without more details about how you are invested and your goals for the f...
by Novine
Tue Nov 11, 2014 12:13 am
 
Forum: Investing - Help with Personal Investments
Topic: 34 year old new to investing - help please
Replies: 62
Views: 6258

Re: Need help to choose between HSA and PPO

Factors that you need to consider when deciding: 1. Do you have an idea of how much you spend each year on health care? Do you have any on-going health issues that require doctor's visits or Rx drugs? Same question for spouse and kids, if you have either or both. 2. If you select the HSA, how would ...
by Novine
Thu Oct 23, 2014 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Need help to choose between HSA and PPO
Replies: 9
Views: 669

Re: HSA - First Time Offered

Will your payroll department allow you to do this?
by Novine
Thu Oct 23, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA - First Time Offered
Replies: 5
Views: 558

Re: Current market volatility

"You guys think we are in for more declines in the coming weeks? I actually just sold a bunch of my funds after the 2% increase on Wed and havent bought back in yet. I was about to do some rebalancing but im thinking i should maybe hold it in cash until things calm down a bit. My bonds have bee...
by Novine
Sat Oct 11, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: Current market volatility
Replies: 21
Views: 1772

Re: it will take me about 38 years to reach $1M at this rate

"You probably have health insurance as a government retiree also."

This was true in the past. It's not true now. Guaranteed health care for future retirees is a thing of the past for many people in the public sector.
by Novine
Sat Oct 11, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: it will take me about 38 years to reach $1M at this rate
Replies: 25
Views: 3310

Re: When people put all their eggs in the wrong basket

"I'm probably still going to do stock picking for a small part of my portfolio - tech industry is still something I'm familiar with. But 80% of my money will be index funds plus rebalancing." Welcome. There are plenty of reformed stock pickers here. Some people still buy individual stocks....
by Novine
Sat Oct 11, 2014 10:52 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28970

Re: How to pay for Home Addition

See if you can get your wife to spell out exactly what she's looking to get from the home project. Once you have her "wish list" in hand, see what you can find in your area that will meet her "wants" within your budget. Alternatively, read up on "Not So Big House" conce...
by Novine
Fri Oct 03, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay for Home Addition
Replies: 23
Views: 2198

Re: Jim Cramer Giving Advice On How To Market Time

Best response to Cramer's market timing - "Good timing is changing the channel just as Jim Cramer comes on."
by Novine
Fri Oct 03, 2014 9:50 pm
 
Forum: Investing - Theory, News & General
Topic: Jim Cramer Giving Advice On How To Market Time
Replies: 3
Views: 902

Re: Buying more when markets are down

I haven't seen "livesoft" report a RBD. Are we approaching RBW - "Really Bad Week" - territory yet?
by Novine
Wed Oct 01, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 61
Views: 5338

Re: How to pay for Home Addition

An addition to a bungalow house by going up? Not worth it. You're asking for all kinds of problems and all kinds of additional expenses as you discover that none of your mechanical systems are designed to support that size of a house in that configuration. Are you prepared to gut the first floor too...
by Novine
Tue Sep 30, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay for Home Addition
Replies: 23
Views: 2198

Re: windfall incoming.clarify the 101 plz (noob bashing wooo

"Alas, managing my money will slowly become my full-time profession in the coming months, presumably for the rest of my life. " Why so? To me, this sounds like a dangerous thing because it implies that since you're giving up work, etc., the only thing you'll have to occupy your time is you...
by Novine
Tue Sep 30, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: windfall incoming.clarify the 101 plz (noob bashing wooo!)
Replies: 46
Views: 6798

Re: Should I pay off my sisters student loans?

It's funny to read people lecturing the OP about the horrors of giving away money to the sister when he's a recipient of a massive windfall that from all appearances has fallen into his lap with no effort on his part. There are likely life lessons that should be learned by the sister about managing ...
by Novine
Tue Sep 30, 2014 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3629

Re: Oatmeal suggestions

Oatmeal helps reduce your cholesterol levels and the fiber is recommended for the lower portions of your digestive system. I throw on blueberries and top with honey.
by Novine
Tue Sep 30, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 147
Views: 11484

Re: Rebuilding portfolio. Early retirements dreams, please h

"Knowing that we are in the 15% tax bracket, and unlikely to ever be in a lower bracket, would you still contribute to the traditional 401k instead of the Roth? There's a high probability we will be in a higher tax bracket when we retire." Why do you think that? Currently, a couple can hav...
by Novine
Mon Sep 29, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebuilding portfolio. Early retirements dreams, please help!
Replies: 23
Views: 2045

Re: Answer to Most Physician/High Income Job Questions:

If you can afford it, why would you limit your HSA contributions? If I ever need it for health purposes, it's good to know it's there. But once you hit 65, it can also function as a second IRA account . Myself, I'm paying for eligible expenses and saving my receipts. If it ever gets to a balance whe...
by Novine
Sat Sep 27, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 31
Views: 2461

Re: General Investing Question [Investing in Individual stoc

"do you thin k i should keep as is or go sell a few biotechs to diversify more into other markets? i work in biotech so i realize the potential of the industry and am confident in it. " If you go much further, you might as well start throwing darts into the list of stocks and picking on th...
by Novine
Thu Sep 25, 2014 11:23 pm
 
Forum: Investing - Theory, News & General
Topic: General Investing Question [Investing in Individual stocks]
Replies: 34
Views: 1200

Re: I've made it (almost)

"If I can improve my health and work my job then I will probably go at least another year. If I can't then it isn't worth it. I am also looking at the possibility of cutting back my hours so I can have more time to take care of myself and decompress. " Walk away. If work is compromising yo...
by Novine
Wed Sep 24, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: I've made it (almost)
Replies: 9
Views: 2214

Re: Stubbornly Non-Boglehead Husband. What To Do?

"I also hate to say that I think there will come a time when he will lose his half and he will pressure you to gamble with your half. It will happen because he gambled and lost with his half, or his high income goes away, or both, and when that happens, you will refuse, and he will blame you.&q...
by Novine
Wed Sep 24, 2014 8:42 am
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 8068

Re: How to get a 3-fund portfolio?

Your sitting on cash waiting for a market downturn? How long have you been doing that?
by Novine
Mon Sep 22, 2014 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to get a 3-fund portfolio?
Replies: 14
Views: 1941

Re: inherited 500k, still a college student, how to invest??

Is it possible to reduce your monthly expenses? Sometimes we spend all that we're given because we can. But now that you're going to have to rely solely on your inheritance, the less of it you spend each month, the more you'll have for investing and future needs.
by Novine
Sun Sep 21, 2014 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: inherited 500k, still a college student, how to invest???
Replies: 55
Views: 5975

Re: Portfolio Help, Please

Ask them to send you something in writing. There's some document that outlines the fees involved with your 403b. Someone at TD or your employer should be able to produce that.
by Novine
Sun Sep 21, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help, Please
Replies: 14
Views: 2094

Re: How to get a 3-fund portfolio?

"But I am genuinely curious what the point of buying bonds when they are as low as they are (and based on interest rates and the Fed only seem to be staying low) when they don't really "grow" in the same sense as equities?'" Instead of buying bonds when they're cheap, you want to...
by Novine
Sun Sep 21, 2014 1:27 am
 
Forum: Investing - Help with Personal Investments
Topic: How to get a 3-fund portfolio?
Replies: 14
Views: 1941

Re: Critique my thoughts on Real Estate Investing

1) I am not currently invested in real estate and real estate is a very distinct asset class that is not closely correlated to other markets and would therefore add diversity to my portfolio. That wasn't the case in 2008 - 2009. 2) I think that owning homes that have low mortgages could allow me to ...
by Novine
Sun Sep 21, 2014 12:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Critique my thoughts on Real Estate Investing
Replies: 17
Views: 1164

Re: Portfolio Help, Please

A 403b is the vehicle by which you get to make retirement contributions through your workplace. Lincoln and TD Ameritrade are investment options within the 403b. That's why some of the earlier comments about getting out of the 403b don't quite make sense. Normally, you can't roll your 403b dollars o...
by Novine
Sat Sep 20, 2014 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help, Please
Replies: 14
Views: 2094

Re: Need urgent help for 85 y.o. parents just moved to Vangu

One piece of advice - take your time to do things correctly. I understand the desire to get this mess straightened out. But none of the decisions you're making have to be done today. Better to work through your options and then take the best course going forward. Perhaps that's how you're operating ...
by Novine
Sat Sep 20, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Need urgent help for 85 y.o. parents just moved to Vanguard
Replies: 65
Views: 4110

Re: Portfolio Help, Please

How were the current funds in Lincoln selected? Are you signed up for a "guided" or "managed" portfolio? Typically, we see these kind of portfolios when you sign up for a managed portfolio (for an extra fee of course!). As others have noted, your Lincoln choices are overly compli...
by Novine
Sat Sep 20, 2014 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help, Please
Replies: 14
Views: 2094

Re: Any success stories of ppl who never made >$50,000?

"This forum can be extremely hostile to those who don't roll out of school with computer science or medical degrees. Not everyone makes $100k at their first job, and not making enough to max your 401k doesn't mean you lack intelligence." I'll disagree with this. I maxed out by 457 for the ...
by Novine
Tue Sep 16, 2014 11:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10348

Re: Where do I put my cash now?

Your experience is why most people invest despite what the pundits are saying. How much have you missed out on waiting for the correction?
by Novine
Tue Sep 16, 2014 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do I put my cash now?
Replies: 23
Views: 2600

Re: Ethics of Multi-Generational Tax Optimization

I would only consider this ethical if your father is both fully aware and supportive of this. He may be in support of maximizing what potential heirs get. Otherwise, it would smack of you taking advantage of your father's situation to enrich yourself, even if you "don't need the inheritance&quo...
by Novine
Fri Sep 12, 2014 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethics of Multi-Generational Tax Optimization
Replies: 23
Views: 1864

Re: Suggestions on where to put an extra $4k/year

"So we plan our projections that neither of those things will be there, which is probably over conservative, but better than being caught without it, no?" Planning on zero from Social Security? If that's the case, invest in guns, ammos and a fallout shelter because the only scenario where ...
by Novine
Thu Sep 04, 2014 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions on where to put an extra $4k/year
Replies: 12
Views: 1094

Re: Help with my parent's finances

OP didn't state that annual expenditures are $150,000. They may need to cut expenses but that's speculation without more details from OP.
by Novine
Thu Sep 04, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my parent's finances
Replies: 21
Views: 1975

Re: My early 30's Ameriprise portfolio

1% wrap fee on top of 0.72% - 1.25% ER - you can do the math. Do you really think he/she has picked the funds that are going to beat a comparable index by 2+% year after year? Looks like you'll find out if the friendship is based on something more than money.
by Novine
Wed Sep 03, 2014 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio
Replies: 36
Views: 3591

Re: Filing a prior tax year that was not required to be file

Glad to hear that worked out for her. For anyone doing this in the future, you're not required to provide any explanation of why you are filing. If the IRS has questions, they'll let you know.
by Novine
Tue Sep 02, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Filing a prior tax year that was not required to be filed
Replies: 9
Views: 610

Re: Induction Range Worth the Price?

We looked at some models today. Any opinions on brands? We saw a Samsung at the Sears Outlet at a pretty good price but it only scored a 77 in Consumers Reports.
by Novine
Fri Aug 29, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Induction Range Worth the Price?
Replies: 14
Views: 1196

Induction Range Worth the Price?

We're looking at replacing the existing electric range in our kitchen. The DW wants a smoothtop electric range and when I started looking, I saw that induction ranges got some raves - for a price. Is the extra price worth it? I don't mind spending a bit extra in this area but not sure that the 3x di...
by Novine
Fri Aug 29, 2014 12:00 am
 
Forum: Personal Consumer Issues
Topic: Induction Range Worth the Price?
Replies: 14
Views: 1196

Re: HSA - how to decide if it is worth it?

Outside of the cost considerations of the HSA itself are your ability to "self-insure" if you have a major out-of-pocket expense. Do you have reserves to cover unanticipated medical costs? Some people prefer the certainty of a regular premium payment versus having to cover a major unantici...
by Novine
Wed Aug 27, 2014 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - how to decide if it is worth it?
Replies: 14
Views: 1042

Re: Warren Buffet and the S&P index fund

"Are the Bogleheads trying to beat the S&P index both short and long term with this over and under weighting of the stock index funds? Remember Buffet`s bet with that hedge fund for 10 years saying the S&P 500 will return more and so far Buffet is winning after 5 years or so I think.&q...
by Novine
Wed Aug 27, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett and the S&P index fund
Replies: 23
Views: 1800

Re: Trying to understand the 1040 Tax Table

I was going to go with "effective tax rate" too. But some Googling around found that the term "effective tax rate" means something similar but more than just the calculation using the tax table.
by Novine
Mon Aug 25, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2539
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