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Re: Job loss

On the Way, You are getting a lot of good advice. Put me down as one who thinks you could pull off retirement now if that is what you'd like to do. My first suggestion would be to breathe, relax and clear your head. If you only found out this week, it is likely too early to be sending out resumes, ...
by On the way
Mon Jun 23, 2014 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Your wife may be able to claim half of your Social Security benefit, instead of her own, which would bump hers up to $11k. You may want to research that option. My wife does not qualify on her own. As I understand, she will qualify for half of my benefit up to my FRA, whichever is less. Her FRA is ...
by On the way
Mon Jun 23, 2014 7:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

If your wife cannot work due to being disabled it might be worth her applying for social security disability benefits. I am not remotely an expert on this but as it hasn't been mentioned I do want to put it out there for consideration. What type would apply in her case, assuming she meets criteria ...
by On the way
Mon Jun 23, 2014 7:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks Watty.

My SS estimate is $22K at 62, I am guessing but my wife's would be about $8K. I admit to the freaking out part, but am encouraged at the responses. I am re-evaluating my risk tolerance. I was comfortable at 74% stock with the job, but not any longer.
by On the way
Sat Jun 21, 2014 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks retiredjg
by On the way
Sat Jun 21, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks Will do good.

I will get paid for 8 unused days.
by On the way
Sat Jun 21, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks Herekittykitty,

I'll check in with the credit union.

I'm working on my LinkedIn profile and contacts.

Unfortunately my wife can not work.
by On the way
Sat Jun 21, 2014 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks Dandy,

I will certainly check it out. That would be great if it started right away.
by On the way
Sat Jun 21, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks Stan1, You presented some encouraging calculations. SS would be about $22K at 62. Wife is 1/1/2 years younger than me. I'm going to have to run the numbers. To this point I have been putting most of my time on the job search (just applied for another one). I have not figured in unemployment y...
by On the way
Sat Jun 21, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks twindad57,

I was a manager for a chemical company. No taxable investments. I am not a veteran. Consulting is on the option list if I can't get direct employment.
by On the way
Sat Jun 21, 2014 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks Globalviewer58,

I will receive outplacement. Thanks for the encouragement.
by On the way
Sat Jun 21, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks WHL, It's what they add up to, obviously I will have to go through to look at necessities versus wants. Your explanation / details would be helpful. One, to potentially help you, and two, to not get in the same predicament myself (if it's something avoidable!). Oops I just looked at my budge...
by On the way
Sat Jun 21, 2014 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks WHL, It's what they add up to, obviously I will have to go through to look at necessities versus wants. Your explanation / details would be helpful. One, to potentially help you, and two, to not get in the same predicament myself (if it's something avoidable!). Oops I just looked at my budge...
by On the way
Sat Jun 21, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks Dharrythomas,

I'm not in a rush on the 401k conversions. I do not think a traditional IRA has the ability to take withdrawals prior to 59 1/2 as the 401k does.
by On the way
Sat Jun 21, 2014 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks Leeraar,

22 years is a long time. I was paying additional principal to have the house paid off at 67. Employment prospects are unknown, age will probably be a factor. I have already started the job search.
by On the way
Sat Jun 21, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks WHL,

It's what they add up to, obviously I will have to go through to look at necessities versus wants.
by On the way
Sat Jun 21, 2014 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks Dandy, My age is what worries me as far as getting a new job. I hadn't considered selling the house, but it is a good point. I've been slowly lowering equity over the last couple of years, now I'm starting to think I need to speed up the process. I've been lowering my allocation to Prime Cap ...
by On the way
Sat Jun 21, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks Stan1. I am already slimming the budget to make the severance last longer. I do not have enough in savings outside the retirement accounts to pay off the mortgage. I doubt I could get down to $35 K expenses as medical will be a hit once the severance runs out. I pretty much knew the answer bu...
by On the way
Sat Jun 21, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Job loss

Thanks PaddyMac.

My wife does not work. Equity in the house is 20%.
by On the way
Sat Jun 21, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Job loss

Well, I was on my way until this week when I lost my job due to down sizing. Here's my situation. Emergency funds: 3 months Debt: $137,000 mortgage @5.25% 22 years left on the mortgage Tax Filing Status: Married Filing Jointly Tax Rate: 15% marginal Federal, 3.04% State, 1% Local State of Residence:...
by On the way
Sat Jun 21, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2483

Re: Bailing On Pimco Bond?

I had a small amount of PTLDX in my HSA. When some Vanguard funds became available I moved it to VGTSX. I then moved the same amount of VGTSX in my 401K to VBTSX.
by On the way
Wed Apr 02, 2014 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bailing On Pimco Bond?
Replies: 19
Views: 2196

Re: Domestic vs. International Stock Allocation

Regarding the "sweet spot" of 20-50% international. I was walked through the paper by a CFP that Flagship provided as part of a review. I requested to be walked through the paper because I read it and concluded that there was no difference between 0 and 50% international. I was then shown...
by On the way
Tue Mar 25, 2014 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: Domestic vs. International Stock Allocation
Replies: 37
Views: 4090

Re: Is Vanguard's portfolio watch tool broken?

Could someone post the URL for these tools? I have not been able to find them. Thanks in advance. You need an account at Vanguard. Log in. Mouse over "My Accounts" (it's just under the Vanguard logo at the top) and you should get a drop down list of about 14 things ... "Overview, Bal...
by On the way
Mon Mar 17, 2014 7:58 am
 
Forum: Personal Consumer Issues
Topic: Is Vanguard's portfolio watch tool broken?
Replies: 31
Views: 6099

Re: Trouble with Financial Engines Account?

I access Financial Engines through the my accounts page at Vanguard - no problems with access.
by On the way
Sun Mar 16, 2014 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Trouble with Financial Engines Account?
Replies: 18
Views: 3833

Re: Is Vanguard's portfolio watch tool broken?

Could someone post the URL for these tools? I have not been able to find them. Thanks in advance.
by On the way
Sun Mar 16, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Is Vanguard's portfolio watch tool broken?
Replies: 31
Views: 6099

Re: You know you're a Boglehead when ...

You don't know what the interest rates on your credit cards are since it has been 15 years since you did not pay it off before the due date. And you are still mad at yourself for throwing that credit card bill out with the junk mail 15 years ago. Actually it was 31 years ago and I still remember it...
by On the way
Tue Mar 04, 2014 1:10 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 105
Views: 15857

Re: Risky investment with a "guaranteed" principal return

Streptococcus makes very good points. I have watched several episodes of "American Greed", and was surprised on how easy it is to run a scam. Be very careful, it could be legit, but once you are in, and it is not, the money is gone.
by On the way
Sat Mar 01, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risky investment with a "guaranteed" principal return
Replies: 55
Views: 3650

Re: Health Savings Account investment choice

Thanks WHL and abuss368.

No target date funds. There are a couple of Columbia blended funds but the ER's are 1.25%
by On the way
Wed Feb 12, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Health Savings Account investment choice
Replies: 5
Views: 446

Health Savings Account investment choice

While my H.S.A. will not be a great part of my retirement portfolio (maybe about 2% of total portfolio at retirement), I do try to make it as productive as possible. There are not many good fund choices (high er’s). My current investment is Pimco Low Duration Fund Institutional Class – PTLDX – 0.46%...
by On the way
Wed Feb 12, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Health Savings Account investment choice
Replies: 5
Views: 446

Re: Is anybody considering reducing bond purchases

63% of new contributions will go into bonds.
by On the way
Wed Dec 25, 2013 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is anybody considering reducing bond purchases
Replies: 24
Views: 1535

Re: Update to Portfolio Help Request

Thanks Grt2bOutdoors.

I have quite a bit of life insurance, but a little more wouldn't hurt, I'll check out the site. The house would still have to be sold, she would not have the ability to stay without someone to move in with her.
by On the way
Wed Dec 18, 2013 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Update to Portfolio Help Request
Replies: 8
Views: 510

Re: Update to Portfolio Help Request

Thanks btenny. I have modeled what would happen if there was a repeat of the low of 2009. I would loose about 25% of the portfolio today instead of the 30% actually lost then. Part of the reason I am willing to accept the risk of a higher percentage stocks at this point is because of how much I am p...
by On the way
Wed Dec 18, 2013 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Update to Portfolio Help Request
Replies: 8
Views: 510

Re: Update to Portfolio Help Request

Thanks denovo.
by On the way
Wed Dec 18, 2013 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Update to Portfolio Help Request
Replies: 8
Views: 510

Re: Update to Portfolio Help Request

ieee488,

Agreed the portfolio has not changed much. But prior to Duckie's suggestions I would not have considered TBM or have known that I could open a Roth for my wife. Both of these have been done.
by On the way
Sun Dec 15, 2013 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Update to Portfolio Help Request
Replies: 8
Views: 510

Update to Portfolio Help Request

An update to my first post of 8/31/2013. viewtopic.php?f=1&t=122426&p=1792849 edited to provide correct link Not a lot of changes yet, but it was pointed out in one thread that many times posters fall off the map once a "portfolio advice" thread dies out. First, a thanks to all, es...
by On the way
Sun Dec 15, 2013 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Update to Portfolio Help Request
Replies: 8
Views: 510

Re: Rebalancing 401K

livesoft wrote:It does not matter especially since rebalancing is a gross adjustment.


Thanks Livesoft.
by On the way
Mon Nov 25, 2013 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing 401K
Replies: 2
Views: 224

Rebalancing 401K

As we are entering the end of the year and there are capital gains and dividends that will be distributed, does it matter if I rebalance before or after the distributions in my 401 k?
by On the way
Mon Nov 25, 2013 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing 401K
Replies: 2
Views: 224

Re: Weighted average portfolio expense ratio

Thanks An_Asker,

Sorry for the delayed response. My 401K options can be found here

viewtopic.php?f=1&t=122426
by On the way
Sun Nov 03, 2013 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1296

Re: Weighted average portfolio expense ratio

Not suitable for investors seeking long-term growth of capital. So what purpose do they serve in a 401k? (Before you give the obvious answer, if you are retired I think you should roll your 401k to an IRA and get a 3-fund portfolio at Vanguard.) Edit: I found my answer: http://www.bogleheads.org/wi...
by On the way
Fri Oct 25, 2013 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1296

Re: Weighted average portfolio expense ratio

From a brochure on the Vanguard site: Should I invest in my company’s stable value fund? The stable value fund provides for interest income comparable to that of a shorter duration (often called “short-term”) bond fund, without the price fluctuations of a short-term bond fund. Like short-term bond ...
by On the way
Fri Oct 25, 2013 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1296

Re: Weighted average portfolio expense ratio

I have calculated the weighted average expense ratio for my portfolio at 0.27%. However, Vanguard reports my ratio at 0.24%. The reason for the difference is the stable value fund. Although the fund is from Vanguard (VRSTF), they do not include it in their calculations. I have up until now included...
by On the way
Fri Oct 25, 2013 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1296

Re: Weighted average portfolio expense ratio

Thanks for the link Keith.
by On the way
Fri Oct 25, 2013 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1296

Re: Weighted average portfolio expense ratio

pingo, How or why would your ER change so it is necessary to recalculate it? Many of us do not even calculate our rate of return, for we do not know what we would then do. Keith Interesting point. While I do not calculate my rate of return, I am always looking to see if I might continue to hold the...
by On the way
Fri Oct 25, 2013 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1296

Re: Weighted average portfolio expense ratio

mhc wrote:OP,

an interesting thing is to go to firecalc.com, input you data, use the Investigate tab, and see what the impact of ER is. Below a certain point, ER has little to no impact.


Thanks. I've used firecalc but not thought to look at differing er's.
by On the way
Thu Oct 24, 2013 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1296

Re: Weighted average portfolio expense ratio

What is your purpose in knowing that number? :) The answer will depend on your purpose. Once you know the number, how will it change your life? What actions will you take once you know the number? Knowing the number will not change my life, however it will satisify my curiosity. :mrgreen: I am not ...
by On the way
Thu Oct 24, 2013 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1296

Weighted average portfolio expense ratio

I have calculated the weighted average expense ratio for my portfolio at 0.27%. However, Vanguard reports my ratio at 0.24%. The reason for the difference is the stable value fund. Although the fund is from Vanguard (VRSTF), they do not include it in their calculations. I have up until now included ...
by On the way
Thu Oct 24, 2013 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1296

Re: Medical bill and insurance coverage

I am sorry to hear of your dificulities. Please double check my post with your insurance.

Assuming your family had no other medical expenses this year. You would be responsible for the $300 deductible. The plan would then pay 80% and you would pay 20% up to the $2000 per person max.
by On the way
Wed Sep 25, 2013 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical bill and insurance coverage
Replies: 8
Views: 432

Re: Poll: Did low-cost investing not work for you?

Yes, but not because I am so smart. My investments are mainly in my 401k and our company chose Vanguard.
by On the way
Sun Sep 22, 2013 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Did low-cost investing not work for you?
Replies: 25
Views: 3578
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