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Re: 500K Sitting in a Bank Account

Who is legally responsible for managing this money?
by Novine
Thu Jul 24, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 500K Sitting in a Bank Account
Replies: 17
Views: 972

Re: Should I Buy a Home Warranty

When I bought my home, the previous owners covered a home warranty (American Home Shield) for the first year. I kept it going for a couple of years after that. It easily paid for itself with a hot water heater that was replaced, a broken furnace fan and some other items that were covered. In my expe...
by Novine
Thu Jul 24, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a Home Warranty
Replies: 16
Views: 904

Re: Best Way to Show Google Docs via Wi-Fi on a TV: Chromeca

This link talks about a way to auto loop a presentation.
by Novine
Tue Jul 22, 2014 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Best Way to Show Google Docs via Wi-Fi on a TV: Chromecast?
Replies: 6
Views: 468

Re: Helping My Grandmother

How much could she realistically get if she sold the house? What are rental rates in her area? Depending on your answers, the best return may be selling the house and moving into an apartment.
by Novine
Sun Jul 20, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Grandmother
Replies: 54
Views: 3104

Re: Buying First Home - Inspection Follow Up Advice

Keep in mind that the OP noted the house is 95 years old. Structurally, not all of the suggestions are feasible considering how these homes were constructed. Even the OP's idea for adding insulation in the walls may not be a good idea depending on the interior and exterior wall materials and constru...
by Novine
Sun Jul 20, 2014 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying First Home - Inspection Follow Up Advice
Replies: 22
Views: 1826

Re: Millennials (with jobs) are super-saving their retiremen

"That means they will run deficits for 20-30 years before going bankrupt. " I don't think this is accurate. It means that the system can continue to run for 20 -30 years - with no change - until payments of benefits have to be reduced. There are some adjustments, like raising the cap on SS...
by Novine
Sat Jul 19, 2014 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: Millennials (with jobs) are super-saving their retirement
Replies: 65
Views: 9101

Re: Variable annuity ,what's the difference ?

"She took this one on advice of a friend who is a financial advisor , the same guy who sold is our WL policies ."

Nice "friend".
by Novine
Sat Jul 19, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Variable annuity ,what's the difference ?
Replies: 14
Views: 1818

Re: Yet another newbie's 403(b): fund/allocation advice, ple

Are you going to max out your Roth IRA each year too? Or were you just planning to do the 403(b)?
by Novine
Thu Jul 17, 2014 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yet another newbie's 403(b): fund/allocation advice, please
Replies: 8
Views: 544

Re: Market Timing vs. Market Opportunity

A "market opportunity" is market timing that worked out in hindsight. No one calls them "opportunities" when they bet wrong and lose money. I've read enough posts by people who pulled out in anticipation of the fiscal cliff or the 2011 or 2013 debt crisis, convinced that a market...
by Novine
Thu Jul 17, 2014 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: Market Timing vs. Market Opportunity
Replies: 46
Views: 2887

Re: Second Largest PreK-12 School District Wins a 457b award

Far better than my 457b plan. But I find that ERs to be a bit high for Vanguard funds considering the size of the pool of potential retirees.
by Novine
Thu Jul 17, 2014 9:57 pm
 
Forum: Investing - Theory, News & General
Topic: Second Largest PreK-12 School District Wins a 457b award!
Replies: 11
Views: 889

Re: New Investor with Class A fund blues

Out of curiosity, what did you tell the advisor about your goals, risk-tolerance, etc. that led them to select that line-up of funds?
by Novine
Tue Jul 15, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor with Class A fund blues
Replies: 31
Views: 2036

Re: New Investor - Looking To Play and Need Advice

Don't take this the wrong way but at age 36, you need to get serious about saving for retirement. You're not going to accomplish that by trying to day trade or other get rich schemes unless you think buying lottery tickets or going to the dog track are suitable alternatives for retirement planning. ...
by Novine
Mon Jul 14, 2014 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor - Looking To Play and Need Advice
Replies: 7
Views: 918

Re: Debt payoff plan opinions

"Also, how much of a hassle is it to refinance a vehicle. I'm assuming the title has to be transferred and so forth and I'm sure that's not free. What all would that entail on my part?"

Depends. Who holds the car loan?
by Novine
Mon Jul 14, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debt payoff plan opinions
Replies: 53
Views: 3090

Re: Should I try to re-fi my mortgage?

How did that compare to Zillow? I've been curious as to how well that tracks actual appraisals.
by Novine
Mon Jul 14, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I try to re-fi my mortgage?
Replies: 26
Views: 3269

Re: Should I try to re-fi my mortgage?

We're in the same boat but in the 'burbs. But we plan on staying in our house. Did you have any problems hitting your target on the appraisal?
by Novine
Mon Jul 14, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I try to re-fi my mortgage?
Replies: 26
Views: 3269

Allstate's Drivewise Program

We just signed up our cars for Allstate's Drivewise program. For anyone who has been or is currently enrolled, how has it worked out for you discount-wise? I've seen mixed reviews online. Any tips or tricks on how to maximize your discount?
by Novine
Mon Jul 14, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: Allstate's Drivewise Program
Replies: 3
Views: 676

Re: Anyone here flip houses?

There are Bogleheads who flip houses. From what they've reported, I didn't get the impression it was something you can do "on the side". One of the biggest threats to your investment are your carrying costs while you own the property. The longer it takes you to flip, the less likely you ar...
by Novine
Sun Jul 13, 2014 11:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 40
Views: 4452

Re: Solar panels, are they worth it?

Someone who had only one offer on their house in 5 months has bigger problems than leased solar panels on their roof.
by Novine
Sat Jul 12, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Solar panels, are they worth it?
Replies: 53
Views: 4904

Re: Total neophyte wants to invest wisely

With the potential for you to "retire" in the next 5 -7 years balanced against the idea that you may be in the home for another 20 years, have you given any thought to refinancing into a 15 year mortgage? Based on current rates, you could probably lower your interest rate 0.5%. More import...
by Novine
Fri Jul 11, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Total neophyte wants to invest wisely
Replies: 16
Views: 2063

Re: Total neophyte wants to invest wisely

"Pay off mortgage or invest?" Most people don't want to go into retirement, early or otherwise, with mortgage debt. But in your case, factors that could determine the right approach would include: - How long do you plan to be in the current house? - Any plans to downsize in retirement? - W...
by Novine
Thu Jul 10, 2014 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Total neophyte wants to invest wisely
Replies: 16
Views: 2063

Re: Must-haves and Legal Needs for a Millionaire

Typically, the goal of life insurance is to ensure that your wife and future children are not left in financial peril if you were to die suddenly. How much do you need? It depends on what you want to accomplish. Do you want to provide an income stream for X number of years? Do you want to ensure tha...
by Novine
Thu Jul 10, 2014 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Must-haves and Legal Needs for a Millionaire
Replies: 14
Views: 3877

Re: Help with AA and priorities!

Double-check those ERs for the Vanguard funds. In my VALIC plan, the normally low-cost Vanguard funds are larded up with extra fees that are hidden in the footnotes. They may still be your best choice but it's likely that they're not as cheap as you listed.
by Novine
Tue Jul 08, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA and priorities!
Replies: 9
Views: 917

Re: Getting back to trying to live frugal, correct investmen

AdviceTrack is going to take around 1% of your investments in fees to "manage" your retirement account for you. You don't need AdviceTrack, that's what you come here to get. Dump AdviceTrack as soon as you can.
by Novine
Tue Jul 08, 2014 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting back to trying to live frugal, correct investments
Replies: 10
Views: 1428

Re: stocks about to plunge

by Novine
Tue Jul 08, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: stocks about to plunge
Replies: 39
Views: 7658

Re: Help with Investments - Newly Engaged Couple

Are you treating all of these funds as one portfolio? If so, it still looks too complicated to me. You shouldn't be duplicating your 90/10 asset allocation in each account. There's no need for 5 - 6 funds in each account. Instead, you should pick the best fund(s) in each account that allow you to cr...
by Novine
Tue Jul 08, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Investments - Newly Engaged Couple
Replies: 18
Views: 1659

Re: I think I might have too much saved in a 401k

I'm surprised that livesoft hasn't chimed in on the OPs zero tax bracket approach to dealing with his "problem".
by Novine
Sun Jul 06, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: I think I might have too much saved in a 401k
Replies: 40
Views: 4124

Re: Get in the game

"So I think I was spared the fees, as some of the comments above noted may have been the case. Does this mean maybe this guy could be trusted?"

You may have been spared the front-end loads but you're still paying annual fees on those funds.
by Novine
Thu Jul 03, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Get in the game
Replies: 21
Views: 1796

Re: Alpo risk in retirement: Overblown?

"The poorest even appear to have the highest obesity rates among Americans"

Which tell us what? That people are obese because they are spending a lot on food? Probably not. The cheapest food is often the least healthy for you.
by Novine
Thu Jul 03, 2014 12:56 pm
 
Forum: Investing - Theory, News & General
Topic: Alpo risk in retirement: Overblown?
Replies: 41
Views: 2338

Re: Alpo risk in retirement: Overblown?

Being in the same age bracket as "killjoy2012", I can agree on several data points for our generation: - Pensions are going to be a thing of the past for most people our age and younger. Contrary to popular opinion, the majority of workers never had pensions. But a significant percentage d...
by Novine
Thu Jul 03, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: Alpo risk in retirement: Overblown?
Replies: 41
Views: 2338

Re: Who do you talk with about your financial goals?

Sorry about that - to get this back on track, my wife and I regularly discuss our financial goals and how we are doing. She's not as interested in all of the details but I think it's important for her to know what we're doing investment-wise in case she ever has to take things over. I talk the marke...
by Novine
Tue Jul 01, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9063

Re: Who do you talk with about your financial goals?

I always find these discussions fascinating because one of the great laments of the BH crowd is the lack of financial literacy among Americans. But when asked whom they share their knowledge of financial matters, the most frequent answer appears to be only a spouse or no one at all. I get not wantin...
by Novine
Tue Jul 01, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9063

Re: My investments are a disaster

What's the basis of his objection to moving the funds?
by Novine
Thu Jun 26, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: My investments are a disaster
Replies: 55
Views: 6300

Re: Contractor Messed up

Do you want the look of Oak cabinets? I would get some photos of what you want versus what they are offering to install. $1000 off isn't going to do you any good if you're unhappy with the look of the final product.
by Novine
Wed Jun 25, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Contractor Messed up
Replies: 45
Views: 2954

Re: Retirement savings advice for two public servants

Will you be eligible to collect Social Security at the appropriate age? I didn't see you mention it and I know that some governmental employees don't participate in SS.
by Novine
Wed Jun 25, 2014 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement savings advice for two public servants
Replies: 16
Views: 1486

Re: real estate fraud?

The fraud in these cases is multiple individuals getting mortgages far in excess of the value of the house and then allowing them to be foreclosed after failing to pay on the homes.
by Novine
Wed Jun 25, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: real estate fraud?
Replies: 33
Views: 2644

Re: Retirement savings advice for two public servants

Do you have access to a 457 plan through your workplace? You should be looking at pre-tax retirement contributions in addition to your Roth.
by Novine
Wed Jun 25, 2014 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement savings advice for two public servants
Replies: 16
Views: 1486

Re: My investments are a disaster

"I also called Vanguard to clarify some of my plan's choices and was met with the distinct feeling that this is not the time to jump straight into the stock pool! So, on one hand it's scary to invest with the market at these levels, on the other hand I suppose the advantage is there's no rush.&...
by Novine
Wed Jun 25, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: My investments are a disaster
Replies: 55
Views: 6300

Re: real estate fraud?

That has all the signs of a pump and dump scheme. I wouldn't rely on those prices for any kind of offer. You should be looking at comps in the neighborhood from legitimate sales.
by Novine
Tue Jun 24, 2014 7:05 am
 
Forum: Personal Finance (Not Investing)
Topic: real estate fraud?
Replies: 33
Views: 2644

Re: If I am young, why not invest in a risky fund?

" Also, what is a good investment in a downturn, besides something like gold?"

I don't consider gold a good investment - period.
by Novine
Sat Jun 21, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: If I am young, why not invest in a risky fund?
Replies: 45
Views: 3155

Re: If I am young, why not invest in a risky fund?

"As for healthcare, my dad works for a biotech company. He struck the lottery as his company had some favorable clinical trial results, and his stock options has gone up a total of something like 1500% over the past 8-9 years. My interest in healthcare mainly derives from that." It sounds ...
by Novine
Fri Jun 20, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: If I am young, why not invest in a risky fund?
Replies: 45
Views: 3155

Re: Moving form Edward Jones

With 5 funds, you're missing out on the chance to get Admiral shares with the lower expense ratios. It will take you a while to accumulate enough in your Roth to get to Admiral shares for those 5 funds.
by Novine
Fri Jun 20, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving form Edward Jones
Replies: 11
Views: 1528

Re: If Harvard invested in Vanguard...

"To have beaten a balanced portfolio by a decent margin for a long time with an allocation like that means they're either very lucky or have very skilled managers." That's an assumption not backed by the history of their portfolio. They've scaled back their fixed income investments signifi...
by Novine
Thu Jun 19, 2014 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: If Harvard invested in Vanguard...
Replies: 50
Views: 5043

Re: If Harvard invested in Vanguard...

"12% annual for the last 20 years sounds like they're doing something right. They seem to be beating their benchmark, roughly a 60/40 stock/bond portfolio, by about 2-4%/year too. It is possible however they are doing worse more recently without some of their prior star managers." The benc...
by Novine
Thu Jun 19, 2014 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: If Harvard invested in Vanguard...
Replies: 50
Views: 5043

Re: Market Timing Predictions Thread

A better use of this thread would be to include a list of links to all of the posts that start "With the markets at an all-time high, a correction has to happen soon". Then one can easily point to this thread for every future comment that starts that way to show how many times people made ...
by Novine
Wed Jun 18, 2014 9:28 am
 
Forum: Investing - Theory, News & General
Topic: Market Timing Predictions Thread
Replies: 30
Views: 1802

Re: Insight appreciated on where to put savings. 35yrs old 3

"are these all make money quick scams and will ultimately be a waste of time AND money?'

Yes. It's called gambling. If you want to gamble, go to Las Vegas and enjoy the free drinks as you lose your money.
by Novine
Tue Jun 17, 2014 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Insight appreciated on where to put savings. 35yrs old 30k
Replies: 13
Views: 1127

Re: Why don't we like Dave Ramesy's investment advice

If we're home, we watch Suze's weekly show. I've never heard her promote any of her product endorsements on that show although I've read about them online. She's currently enamored with muni bonds but most of her advice is inline with what you would want to hear an personal finance advisor give to p...
by Novine
Mon Jun 16, 2014 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't we like Dave Ramesy's investment advice
Replies: 50
Views: 5011

Re: Rate My Portfolio

"Yes, it does. It's between .5% to .8% but the fees for the fund are .38%. There are also no limitations on how much and how often I can transfer. Also, how would I use it to place a percentage of my bond holdings? I don't understand what you mean. Can you clarify a little more?" Sorry, I ...
by Novine
Mon Jun 16, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Rate My Portfolio
Replies: 14
Views: 1071

Re: Rate My Portfolio

Do you have a guaranteed rate of return on your Stable Value Fund? If so, how much? Are there any limitations on how much of that you can transfer out at a time? If you're getting a decent rate of return for that, you may want to consider using it to replace a percentage of your bond holdings.
by Novine
Mon Jun 16, 2014 12:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Rate My Portfolio
Replies: 14
Views: 1071
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