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Re: Thrivent Financial Experience

they're fine if you remember to use insurance companies for insurance... not to manage your investments. this was likely a bone they threw to their agents to give them another stream when it was hard to sell insurance or all the potential new insurance contracts were maxed out. the expense ratios ar...
by Rosco
Fri Oct 10, 2014 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: Thrivent Financial Experience
Replies: 7
Views: 935

Re: old universal life insurance policy as fixed income

thought I'd bump in hopes of an answer... I mean once you've sunk the cost of getting the policy... is there ever any utility in keeping it? S
by Rosco
Thu Oct 09, 2014 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: old universal life insurance policy as fixed income
Replies: 24
Views: 1610

Re: Starting AA from Scratch: 24-years-old

you have 400k at the age of 24... the best investment you could make at this point is: skip grad school and keep doing what you're doing. S
edit: actually read your post and note salary, etc, forget the above, but do see recent thread on investing with Merril
by Rosco
Sun Aug 03, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting AA from Scratch: 24-years-old
Replies: 8
Views: 627

Re: Clergy Retirement Investing: 403(b) vs. Roth IRA

are you sure that 403b with met life doesn't also include vanguard total bond; total stock market; total international? It looks suspiciously familiar. bh
by Rosco
Wed Jul 30, 2014 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Clergy Retirement Investing: 403(b) vs. Roth IRA
Replies: 16
Views: 1445

Re: portfolio review

I will this year max the Roths for wife and self, but I hadn't been as I thought one day I'd have to buy a house... my housing now is provided. I think year by year I'll move it in the Roth direction. R
by Rosco
Tue Jul 08, 2014 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio review
Replies: 2
Views: 246

portfolio review

Greetings, Thank you in advance for any time you take. I'm 43, married with 3 kids. Single income salary 45k. Debt: 16k on a car at 0% for 3 more years. Lowest tax bracket. Traditional IRA 40k 2030 Vanguard Target Retirement Roth IRA 80k 2030 Target Retirement Wife's Roth 20k 2030 Target Retirement ...
by Rosco
Tue Jul 08, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio review
Replies: 2
Views: 246

cell phone family plans

I'm trying to get my cell phone family plan cost down to below $50. Currently I use net 10 and wife doesn't have a cell phone. We would consider dropping a landline and getting her a phone for mobile use if we could switch our current number to her line on a cell phone... but I don't like the costs ...
by Rosco
Sat Dec 07, 2013 11:06 am
 
Forum: Personal Consumer Issues
Topic: cell phone family plans
Replies: 4
Views: 595

Re: selling in taxable accounts

I don't know. I used tax managed balanced in taxable because that was the first suggestion I ever got on this forum... and if I decided for tax gain harvest (?) I thought I ought to just reinvest in the individual components of the balanced fund. I have to have bonds as it's not money I can afford t...
by Rosco
Wed Nov 27, 2013 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: selling in taxable accounts
Replies: 8
Views: 588

Re: selling in taxable accounts

thanks for that helpful explanation. Re. the UTMA accounts (3)... If I switched between a LS and a TR fund and each made $1000+, would they be taxed at my level (15%)? Would it be advantageous in a taxable account to own the individual components of the tax managed balanced or is the balanced fund a...
by Rosco
Wed Nov 27, 2013 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: selling in taxable accounts
Replies: 8
Views: 588

selling in taxable accounts

My taxable account is 100% vanguard Tax managed balanced (50/50). The gains will become long term cap gains very soon. I am in the lowest tax bracket. It was suggested that I sell it when the cg become long term and buy vanguard total stock market and a muni bond fund individually. It was also sugge...
by Rosco
Wed Nov 27, 2013 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: selling in taxable accounts
Replies: 8
Views: 588

Re: Savings Rate for Single Income Families

If you can keep that savings rate that high, you'll do great... You won't need as much as you'll be used to a modest standard of living... though you'll still be better than most with your savings rate, assuming you're fairly young. We have three kids and the wife takes care of the household. I thin...
by Rosco
Wed Jul 10, 2013 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Rate for Single Income Families
Replies: 18
Views: 2202

Re: Buying a car outright smartest financially?

I know coming out of poverty makes one inclined to treat oneself extravagantly, and you should where you can do it prudently... and that doesn't have to involve big $$. However, you should have 500k in the bank by the time you're 30 instead of worrying about cashing in your savings. Your future wife...
by Rosco
Thu Jul 04, 2013 9:29 am
 
Forum: Personal Consumer Issues
Topic: Buying a car outright smartest financially?
Replies: 149
Views: 10568

tax loss for tax managed balanced fund

I have a taxable account in Vg tax managed balanced - 50/50 with muni bonds/s&p index. Can you tlh from a balanced fund? Assuming I didn't want a large equity exposure, what would I buy into that wouldn't be considered substantially identical? Probably a thread on this but the one I read didn't ...
by Rosco
Sat Jun 22, 2013 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: tax loss for tax managed balanced fund
Replies: 1
Views: 184

Re: Stay at home dads?

Why would you pay for daycare if your husband stayed home? I probably missed that. Not much point in anyone staying home if the kids are being taken care of somewhere else.
by Rosco
Wed Jun 12, 2013 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Stay at home dads?
Replies: 65
Views: 3786

Re: Simplicity [of My Portfolio]

that's mine exactly, except the fidelity is a lifestrategy growth as are the kids utmas. i'm hoping someone will tell you this is destined to make you (us) very affluent. I assume the taxable is actually a tax managed balanced fund? S
by Rosco
Tue May 28, 2013 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simplicity [of My Portfolio]
Replies: 14
Views: 1513

Re: 3 day wait for rebalancing

scone above says that he has the problem at fidelity also. annoying. s
by Rosco
Wed May 15, 2013 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 day wait for rebalancing
Replies: 7
Views: 653

3 day wait for rebalancing

In my perpetual ignorance, please bear with me. I have an ira with vanguard that had 6 or 7 etfs and it got out of balance in these last months. I thought I'd like to forget the whole mess so I sold (over the phone with vanguard assistance) the etf's on Monday and have to wait until Friday before I ...
by Rosco
Wed May 15, 2013 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 day wait for rebalancing
Replies: 7
Views: 653

Re: Is gas mileage alone worth getting a different car?

As a fellow 3 kid Sienna owner... you'd be nuts to get a prius... any self esteem issues aside. My experience of vacation with 3 kids is - don't minimize that one week of driving as a good reason to keep the van! They'll drive you nuts in a little car. S
by Rosco
Mon May 13, 2013 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Is gas mileage alone worth getting a different car?
Replies: 24
Views: 2418

why a 7% return estimate going forward

Mr. Bogle and others have suggested 7% may be an optimistic number when making decisions regarding the markets future and its relationship to saving, investing, etc. IOW, will have to save much more and expect much less over the rest of my working career. Is that 7% primarily a function of dividends...
by Rosco
Sat May 11, 2013 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: why a 7% return estimate going forward
Replies: 55
Views: 5704

Re: Happy Birthday Mr. John Bogle

Humbly extending gratitude from our family, wife and boys 5,3,1. As a father wanting the best for my kids, thanks for all you have done for their future and our family's. You have given financial freedom to so many... God bless you, S
by Rosco
Wed May 08, 2013 1:37 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. JOHN BOGLE
Replies: 32
Views: 2511

Re: Anyone wish to share their play money investments?

My play money is invested in a couple of the publicly traded companies located in the town I live in because I figure I have a some advantages over the institutional investors in their New York skyscrapers. For example, when I see the CFO of a company driving around town in a new Corvette, that's o...
by Rosco
Sun May 05, 2013 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone wish to share their play money investments?
Replies: 56
Views: 3774

Re: Frontline--The Retirement Gamble

Thanks for the link... sometimes calculators give disparate results so that helps. S
by Rosco
Tue Apr 30, 2013 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 35442

Re: Frontline--The Retirement Gamble

Anyone know the formula for figuring return when you begin with an initial investment and then add a fixed amount each month over a number of years and you compound monthly or quarterly... I get the annual compounding formula M=P(1+i)n but I get a little lost when we start adding variables... I'm tr...
by Rosco
Tue Apr 30, 2013 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 35442

Re: any suggestions on a ccw [Concealed Carry Weapon]

wendyw - my wife thought that was worth a look. small hands. I can't wait to see it to. looks like it would fit well in the pocket or pant leg. she likes the idea of getting some leisure shooting. vline drawer safe was nice addition for consideration as well. Thanks all, S
by Rosco
Fri Apr 26, 2013 11:31 pm
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 7091

Re: any suggestions on a ccw [Concealed Carry Weapon]

You make a convincing case including the picture, but it looks tiny. I'm definitely checking the xd springfield, s&W Shield, kahr cw9. some reason can't get on with the revolvers, though the Judge would be great for house. Thanks to all for your insights. S
by Rosco
Thu Apr 25, 2013 9:47 pm
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 7091

Re: any suggestions on a ccw [Concealed Carry Weapon]

I have to do a lot of range time before answering that question... More likely it would allow it to be in a vehicle with me. I probably will carry some times but I really need to find the right tool. Just realized how much the Kahr would cost and am not sure wife would give me permission. S
by Rosco
Wed Apr 24, 2013 9:50 pm
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 7091

Re: any suggestions on a ccw [Concealed Carry Weapon]

It's interesting checking out the revolvers versus the pistols among the current recommendations. Kahr p9 wasn't even on the radar and is now... as well as the great safe tips. btw - no expert but I doubt many animals die eating animals killed by lead! Just kidding - I got what you meant. further, I...
by Rosco
Wed Apr 24, 2013 6:31 pm
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 7091

Re: any suggestions on a ccw [Concealed Carry Weapon]

sounds like the first thing to look at is a finger print safe. I have the big turn the knob variety. I always thought my walther p22 would be a great ccw as it's comfortable and very small, though it is very finicky on ammo, so I'd prefer a bit more assurance that when the trigger was pulled it cycl...
by Rosco
Wed Apr 24, 2013 1:45 pm
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 7091

Re: any suggestions on a ccw [Concealed Carry Weapon]

I do have little ones in the home so I'm really thinking about those issues. Do have a safe they could never access but neither could I if I needed to in a hurry. Will the stores let me shoot all those different kinds to get the feel or would I have to rent time on a trial? I do most of my shooting ...
by Rosco
Wed Apr 24, 2013 9:45 am
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 7091

Re: any suggestions on a ccw [Concealed Carry Weapon]

S&W 442 is nice... have to check at store. The 340 or was it 342 would be 357/38 but it cost more than twice as much. S
by Rosco
Tue Apr 23, 2013 10:06 pm
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 7091

Re: any suggestions on a ccw [Concealed Carry Weapon]

appreciate the continuance. the abbreviation wasn't to be deceptive but actually to only attract those who would understand. The comments are great. Hadn't considered a 357 for the ammo versatility. Had been leaning to 9mm for the ammo price as I would want substantial range time. Will check out the...
by Rosco
Tue Apr 23, 2013 9:57 pm
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 7091

Re: any suggestions on a ccw

As with most of my queries, the Bogleheads have again proved most helpful with this consumer issue. Thanks to all for thoughts and I'll keep checking in so long as someone doesn't take this in a different direction than "Personal Consumer Issue" and get it locked. Till then I'll check out ...
by Rosco
Tue Apr 23, 2013 6:19 pm
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 7091

Re: any suggestions on a ccw

So much of my life I've been a bird hunter, etc I really wonder/worry about a lack of manual safety when getting out of a holster, which kind of takes me in the direction of a ruger lc9 but I liked the feel of a springfield xd9 I tried yesterday. It has a compression safety feature in the palm, but ...
by Rosco
Tue Apr 23, 2013 1:15 pm
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 7091

any suggestions on a ccw [Concealed Carry Weapon]

IL will soon become last state to issue ccp. Looking for a ccw that isn't bulky/uncomfortable, hits where it's aimed, but must be economical. S
by Rosco
Tue Apr 23, 2013 9:20 am
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 7091

Re: Should my wife keep working or become a stay-at-home mom

I don't disagree with that. I believe (note this will not bear out in every circumstance) that intentionally inculcating kids with strong values, faith, family, country, etc is best done with a parent in the home - in most circumstances. These folks have to decide where their own strengths lie and w...
by Rosco
Sun Apr 14, 2013 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 8473

Re: Should my wife keep working or become a stay-at-home mom

Just came back to the post after the ship has sailed, but let me clarify - as it was misquoted in an earlier post - I am not a lawyer! In one of life's great ironies, while getting ready to type this, my son pooped his pants. I'm not much of a father - so much as I had assumed! As to the many posts ...
by Rosco
Sat Apr 13, 2013 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 8473

election night bond issues

Anybody know where to look for info on bond issues when a number of municipalities had bond issues in last night's IL election. S
by Rosco
Wed Apr 10, 2013 10:44 pm
 
Forum: Investing - Theory, News & General
Topic: election night bond issues
Replies: 1
Views: 215

Re: Should my wife keep working or become a stay-at-home mom

I'm glad you are all high achievers. My only evidence is 15 years in the classroom. Maybe talk with some educators about behavioral issues, etc. Totally agree that good parents can make and do make it work. JaneLane wisely suggests eating together every night. Seems old fashioned but is good advice.
by Rosco
Tue Apr 09, 2013 8:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 8473

Re: Should my wife keep working or become a stay-at-home mom

Good point! But I do think your eyes are all the evidence you need.
by Rosco
Mon Apr 08, 2013 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 8473

Re: Should my wife keep working or become a stay-at-home mom

+1... Brilliantly said. Ask each other 1) Why you chose to have kids; 2) Who did you hope would be the dominant influence in their upbringing (good daycare - the primary one raising your kids will be the provider; bad day care - primary will be their peers 8-10 hours/day - 5-6 days/wk; 3) What will ...
by Rosco
Mon Apr 08, 2013 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 8473

Re: Should my wife keep working or become a stay-at-home mom

Your kids will never regret having a mom at home... neither will you or your wife. Actually, that's probably not true, days it will drive her crazy, but you will be blessed in the long run. Kids will probably also be happier and healthier and won't bring home the junk that other families allow to se...
by Rosco
Sat Apr 06, 2013 11:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 8473

Re: Advice for mother considering bankruptcy

You're wrong. It's partly his debt. She's all his mom. Young people have time to lay out and work, and, finally, bankruptcy is devastating. SS
by Rosco
Sat Mar 23, 2013 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for mother considering bankruptcy
Replies: 100
Views: 4910

Re: Advice for mother considering bankruptcy

Just doesn't seem very bogleheadish to advise anyone to opt for bankruptcy. This won't be a pleasant experience for her but it appears some of her debt was incurred helping you. What's one year of your life? And she'll learn more about sacrifice and choices and their consequences. But then I've neve...
by Rosco
Fri Mar 22, 2013 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice for mother considering bankruptcy
Replies: 100
Views: 4910

Re: Advice for mother considering bankruptcy

Drop out of grad school and get a job to retire the debt... or take a weekend job. Much better idea than bankruptcy.
by Rosco
Thu Mar 21, 2013 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for mother considering bankruptcy
Replies: 100
Views: 4910

Re: Is Vanguard compatible with Mint.com?

what's it cost to use? SS
by Rosco
Fri Mar 15, 2013 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Vanguard compatible with Mint.com?
Replies: 15
Views: 2790

Re: what to do [if] bread-winner dies

The mutual fund store had me in everything. They charged 1.5%. I moved over to vanguard so I could use their funds exclusively without the fees. I do have insurance for my wife to help with child care in the event of her death. I couldn't afford to pay someone what she's worth! Good advice on involv...
by Rosco
Fri Mar 15, 2013 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: what to do [if] bread-winner dies [insurance question]
Replies: 8
Views: 754

what to do [if] bread-winner dies [insurance question]

Hi! Just trying to get all my wills, investments, insurance stuff tied up and am all set at vanguard after leaving the mutual fund store. I make about 43k and my wife stays home with our kids: 5,3,1. I have 750k in term insurance and after getting rid of my universal life policy, I'm worried that if...
by Rosco
Fri Mar 15, 2013 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: what to do [if] bread-winner dies [insurance question]
Replies: 8
Views: 754

Re: help with mom and dad universal life policy

Brudude... Your explanation actually makes sense to me which makes it terrific! I just re-checked and both policies were issued 8/11/1983. It seems that they truly won't likely ever care about teh surrender value except if they see it beginning to collapse and need massive premium injections. Are th...
by Rosco
Fri Mar 08, 2013 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: help with mom and dad universal life policy
Replies: 12
Views: 809

Re: help with mom and dad universal life policy

I don't think the cash value is that big of a deal as it won't be cashed out unless they see that the policies are in peril, which is part of my difficulty discerning. I get the impression that my dad just likes the idea of getting 4.5% but he doesn't intend to ever use it for the cash value. His po...
by Rosco
Thu Mar 07, 2013 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: help with mom and dad universal life policy
Replies: 12
Views: 809

a re-statement of my Q

What I'm trying to get feedback on for my folks is if they are realistically guaranteed that they can view this policy as lasting the rest of their lives? It seems like they can go on in good shape under the 4.5% column, but is that the more realistic of the two numbers from the illustration? Any he...
by Rosco
Wed Mar 06, 2013 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: help with mom and dad universal life policy
Replies: 12
Views: 809
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