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Re: Any Experts on Corporate Law? (Was "LPs")

I am not by any means an expert on corporate law, and I can't quite tell if your main question is about TAX treatment only (if so, I can't help much). But the big reason people want to be limited partners is that the LPs get the benefits of the partnership (including favorable tax treatment) without...
by TSR
Thu Jul 17, 2014 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any Experts on Corporate Law? (Was "LPs")
Replies: 10
Views: 1028

Re: Paid off student loans...now what?

Congrats! I agree that you need an emergency fund -- you could potentially stash this in a Roth IRA or some iBonds, but good ol' cash is probably the best for right now. After that, one "next" step you can take is to see just how much you can plug into your 401k and your Roth every year, w...
by TSR
Fri Jul 11, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off student loans...now what?
Replies: 3
Views: 698

Re: TSP vs. IRA?

I'd like to offer a different perspective on the Traditional TSP versus Roth TSP decision you're considering. As a federal employee, I assume you'll ultimately receive a FERS defined benefit pension. That pension alone may fill up a good portion of your lower tax brackets, perphas even placing you ...
by TSR
Wed Jul 09, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP vs. IRA?
Replies: 17
Views: 1403

Re: Wife was hit by car while riding on bicyle. Next Step?

A lawyer will think of things you might not have considered. How best to handle the hospital/insurance lien on any payment from the insurance company? What will be the tax treatment of any settlement, and is there any way to minimize it? (I.e., will it be classified as "personal injury" da...
by TSR
Wed Jul 09, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife was hit by car while riding on bicyle. Next Step?
Replies: 46
Views: 5506

Re: TSP vs. IRA?

5) Roth vs. Traditional: I could stand to do more research on this, but I think Roth makes more sense for me at the moment. I'm likely in the lowest tax bracket I'll ever be in, especially if I marry someone who makes more money than I do. I make $65k and my future earning potential could triple th...
by TSR
Tue Jul 08, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP vs. IRA?
Replies: 17
Views: 1403

Re: TSP vs. IRA?

I don't think there's enough in your post for me to say this with any certainty, but I have a hunch* that you have not fully considered your choice between the Roth TSP and the Traditional TSP. Again acknowledging that I do not have enough information about your finances, my suggestion would be for ...
by TSR
Tue Jul 08, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP vs. IRA?
Replies: 17
Views: 1403

Re: Paying for/negotiating price of oral surgery

Great responses from everyone, (especially) including the "tough love" responses. I really appreciate everyone's insights and experience. I'll let you know if I come up with something clever, and please feel free to keep making suggestions!
by TSR
Thu Jul 03, 2014 12:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying for/negotiating price of oral surgery
Replies: 21
Views: 1397

Re: Paying for/negotiating price of oral surgery

Do federal employee's have access to health savings accounts (HSA)? If yes, you could enroll for the estimated amount of the surgery and pay for the operation with pre-tax dollars. This would save 15%-25% depending on your marginal tax rate. Grr. I should have thought of this. Thank you! You might ...
by TSR
Mon Jun 30, 2014 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for/negotiating price of oral surgery
Replies: 21
Views: 1397

Re: Paying for/negotiating price of oral surgery

indexmeasap wrote:Do federal employee's have access to health savings accounts (HSA)? If yes, you could enroll for the estimated amount of the surgery and pay for the operation with pre-tax dollars. This would save 15%-25% depending on your marginal tax rate.


Grr. I should have thought of this. Thank you!
by TSR
Mon Jun 30, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for/negotiating price of oral surgery
Replies: 21
Views: 1397

Re: Paying for/negotiating price of oral surgery

There are so many things I would love to discuss with you about this but for the sake of time and that this isn't a board for providing medical/dental advice I will only leave you with the following recs (I hope you look at my name and take these things to heart). 1. Most dental work, whether perfo...
by TSR
Mon Jun 30, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for/negotiating price of oral surgery
Replies: 21
Views: 1397

Re: Paying for/negotiating price of oral surgery

One of the advantages of some dental insurance plans is that they may provide a partial oral surgery benefit. That benefit could not only reduce the price of the surgery, because the provider agrees to the negotiated rate established by the insurance company, but may also reduce your own out-of-poc...
by TSR
Mon Jun 30, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for/negotiating price of oral surgery
Replies: 21
Views: 1397

Paying for/negotiating price of oral surgery

Friends, I need gum grafts. I have a family history of gum recession, and everyone (multiple dentists, periodontist) agrees that it is time to get it fixed. Apparently I need to get gum grafts on six lower teeth. The periodontist said that I am at "Stage 2" out of 4 (1 being less bad, 4 be...
by TSR
Mon Jun 30, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for/negotiating price of oral surgery
Replies: 21
Views: 1397

Re: How compelling is the TIAA Real Estate fund?

Friends, this has been truly helpful. For me (with no access to TREA), it has been intellectually interesting. For my girlfriend, it has been extremely practical advice. We are both grateful. As for actual choices, after reading and discussing she has at least preliminarily decided to stick with a t...
by TSR
Tue Jun 17, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: How compelling is the TIAA Real Estate fund?
Replies: 85
Views: 4473

Re: How compelling is the TIAA Real Estate fund?

Thank you to all for your thoughts (keep 'em coming!). Livesoft, I very much appreciate the contrarian position as well. Do you have any opinions on the TIAA Traditional Annuity referenced above? To answer others' questions, she does have access to that fund as well.
by TSR
Mon Jun 16, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: How compelling is the TIAA Real Estate fund?
Replies: 85
Views: 4473

Re: How compelling is the TIAA Real Estate fund?

When I consider putting some of my T-C money into TREA, I stumble when I consider the expense ratio: 0.87%. Instead, I put money into Vanguard REIT Index Fund Admiral Shares (VGSLX), which has an E.R. of 0.10%. The chart of TREA's performance since 2010 is very impressive, but the E.R. stops me col...
by TSR
Mon Jun 16, 2014 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: How compelling is the TIAA Real Estate fund?
Replies: 85
Views: 4473

Re: How compelling is the TIAA Real Estate fund?

A couple of strong votes for TREA. Thank you both. Thanks to Steve R for the detailed suggestions on allocation, and good thought on using the Roth as a way to make things a little less conservative.

Would still love to hear from the cons out there....
by TSR
Mon Jun 16, 2014 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: How compelling is the TIAA Real Estate fund?
Replies: 85
Views: 4473

How compelling is the TIAA Real Estate fund?

My girlfriend* is starting out in a faculty position at a small liberal arts college this fall after completing many years of schooling. As a result of a number of grants but no technical "salary," she has some decent savings but not much experience with workplace retirement programs. Her ...
by TSR
Mon Jun 16, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: How compelling is the TIAA Real Estate fund?
Replies: 85
Views: 4473

Re: What would "you" do?? [in this case]

Guys, Thanks all for replying and providing feedback...it's given me much to think about and figure out. It's all pretty overwhelming for me...I'm still in the process of learning the basics of finances, saving, what all options are there.....and other things in life...what's important, what's not....
by TSR
Thu Jun 12, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: What would "you" do?? [in this case]
Replies: 50
Views: 3849

Re: What would "you" do?? [in this case]

I'm 35 and have some thoughts, though as others have pointed out, you have your own needs that may be different from mine. Here are my thoughts for how I would use that money if I were in your situation, which assume that I don't need to get some "fun" out of my system and that I want all ...
by TSR
Wed Jun 11, 2014 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: What would "you" do?? [in this case]
Replies: 50
Views: 3849

Re: TSP and Vanguard Retirement Investment Advice

I appreciate your willingness to set and adjust your asset allocation, but I prefer to let the TSP folks do it for me. In your case I would recommend going 100% L2040 (just because it has slightly more bonds than L2050 and might bring you closer to your goal of 20% across your whole portfolio). You ...
by TSR
Thu Jun 05, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard Retirement Investment Advice
Replies: 23
Views: 2770

Re: Pay Debt or Invest @ 30 y/o?

Remember also that your tax-advantaged retirement space is use-or-lose -- right now you can pocket 25% tax savings for your 401k contributions This is a good point to consider. Psychologically, it is kind of lame to crawl your way back to zero and realize that you're still at zero. This makes no lo...
by TSR
Wed Jun 04, 2014 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay Debt or Invest @ 30 y/o?
Replies: 18
Views: 1628

Re: Two Comma Club!

Congrats! I'll also just say that I really appreciate the advice you've given to others who have come into windfalls.
by TSR
Wed Jun 04, 2014 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Two Comma Club!
Replies: 55
Views: 5681

Re: Pay Debt or Invest @ 30 y/o?

I feel very strongly that the answer is "as much of both as you can do." In the past seven or so years, I've paid off around $70,000 in student-loan debt and I've saved more than $200,000 toward retirement. I'd be happy with either, but I'm MUCH happier with both. Psychologically, it is ki...
by TSR
Tue Jun 03, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay Debt or Invest @ 30 y/o?
Replies: 18
Views: 1628

Re: Home security systems

I have had at least one very unpleasant experience with getting out of a contract from one of these companies and I will never do it again.* If you do go with one of them, be sure to do it contract-free. Also, read Consumer Reports on the subject -- last I remember, they disliked the entire industry...
by TSR
Mon Jun 02, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home security systems
Replies: 23
Views: 2025

Re: Worst "Large purchase" ever?

Bought my first house in 2009 and sold it this year. Lost a little over 70k after paying for the real estate agent fees. But I don't regret the purchase. We enjoyed the house and it was much nicer than any rental house available. Legitimately curious: does your $70k loss subtract five years of avoi...
by TSR
Tue May 27, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 11613

Re: How to Attack Wife's Student Loans

With the student loans of $14k (~6600 and 6900 each) at 6.8% interest , and a $20k 10 month emergency fund, here is what you could do: 1. pay off one loan, $6.9k (leaves 6 -7 months of emergency fund); 2. fund a Roth IRA for her at $5.5k, in a short term bond fund, to use as part of the emergency f...
by TSR
Fri May 23, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: How to Attack Wife's Student Loans
Replies: 25
Views: 1866

Re: Rhetorical Question? How 4% inflation kills 401k and IRA

"the return is sad"

Just so we understand your question better, what else were you planning on doing with your money that would not be affected by inflation?
by TSR
Tue May 20, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rhetorical Question? How 4% inflation kills 401k and IRA?
Replies: 40
Views: 2499

Re: Introduction and my situation

Your mortgage rate seems pretty high -- did you consider refinancing? I also mention this because it looks like you guys have the cash on hand to pay off your mortgage in one lump sum and still have a small-ish emergency fund (counting the bonds). I'm not suggesting that's what you should do, especi...
by TSR
Thu May 15, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Introduction and my situation
Replies: 16
Views: 1703

Re: Inheriting Series EE Savings Bonds question

This is slightly off topic and more than a little bit speculative, but if your brother has been convicted of a white-collar crime it is possible (probable?) that he has an outstanding order of restitution and/or forfeiture against him as a result of his conviction. Among other problems, such an ord...
by TSR
Mon May 12, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inheriting Series EE Savings Bonds question
Replies: 5
Views: 464

Re: Friend needs assistance with Student Loans

You might have her post, if she'd be willing to do that. I understand that some people just want the stamp of approval from someone they've paid money to, in which case do make sure it's someone who is fee-only and not interested in selling her things. Likewise, a lot of people here report good resu...
by TSR
Mon May 12, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Friend needs assistance with Student Loans
Replies: 10
Views: 572

Re: Inheriting Series EE Savings Bonds question

This is slightly off topic and more than a little bit speculative, but if your brother has been convicted of a white-collar crime it is possible (probable?) that he has an outstanding order of restitution and/or forfeiture against him as a result of his conviction. Among other problems, such an orde...
by TSR
Mon May 12, 2014 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inheriting Series EE Savings Bonds question
Replies: 5
Views: 464

Re: Friend needs assistance with Student Loans

If you (or she) can give us a clearer picture of what the total debt-load is, how the individual loans are broken out (amount, interest rate, and period), what her monthly expenses are, and information like that, folks here would be more than happy to help. She could undoubtedly see a fee-only advis...
by TSR
Mon May 12, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Friend needs assistance with Student Loans
Replies: 10
Views: 572

TSP password enhanced today

I was gratified to see that when I logged into the TSP site today, I was prompted to change my password to something with at least ten digits, at least one capital and one lowercase letter, one number, and one special character. Greater password security has been a long time coming for the TSP and I...
by TSR
Mon May 12, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: TSP password enhanced today
Replies: 15
Views: 1337

Re: "Get out of bond funds"

"You shall go to bed as soon as you please," replied Penelope, "now that the gods have sent you home to your own good house and to your country. But as heaven has put it in your mind to speak of it, tell me about the task that lies before you...." "My dear," answered U...
by TSR
Sun May 11, 2014 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: "Get out of bond funds"
Replies: 147
Views: 22421

Re: Graduation Announcements

I don't honestly know if these folks would like you to send cash, but they might just be happy to brag about their children (a sincere instinct if ever there were one). Perhaps send a card in return along the lines of "Warmest congratulations on your [son's/daughter's] accomplishment." Or ...
by TSR
Sun May 11, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: Graduation Announcements
Replies: 4
Views: 510

Re: CNBC - 4% doctors are millionaires!!

As Nisi nicely pointed out that it is 4% off all the millionaires are doctors and NOT that only 4% of doctors are millionaires. What is interesting is that JD and MD are roughly the same proportion of the millionaires out there. They both require postcollege education at the similar level of years,...
by TSR
Thu May 08, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: CNBC - [Among millionaires, 4% are doctors]
Replies: 100
Views: 10791

Re: Obligations to help parents financially?

I wouldn't give them a DIME until after the bankruptcy is done. Any money you help with may mess up that process because the claim could be made they have financial support. BTW, there ARE ways to discharge student loans. It's not easy, but an aggressive bankruptcy attorney may be able to get some ...
by TSR
Thu May 08, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obligations to help parents financially?
Replies: 77
Views: 6990

Re: Tips for paying off student loans

I'm unfamiliar with the idea of "consolidating but still being able to pay off individual loans," so it might be helpful for you to break out the individual loans that you can separately pay off so that people here can understand what the interest rate is, what the total amount is, and wha...
by TSR
Wed May 07, 2014 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Tips for paying off student loans
Replies: 11
Views: 720

Re: Roll over good 401(k) into TSP?

Once you start investing in the TSP, you will probably come to love it for its simplicity and low cost. Absolutely no reason not to roll the 401k into it (I did with mine), so go ahead and do it soon.

Best of luck!
by TSR
Sat May 03, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roll over good 401(k) into TSP?
Replies: 4
Views: 389

Re: Student Loan Frustrations and Retirement

Sounds like you're doing great. If you want to rethink your allocation, don't do it solely because there's anything wrong with the S&P -- you can get too far down the road to market timing that way. I think international exposure is a good thing, as is small-cap exposure. Something like L2050 mi...
by TSR
Fri May 02, 2014 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Student Loan Frustrations and Retirement
Replies: 21
Views: 2828

Re: Did you tell anyone you paid off your mortgage?

This is an interesting discussion, especially the talk of generational issues. I am only 35 and nowhere near paying off my mortgage, but I'm interested in the analogue with student loans. I see a lot of facebook posts about people finally paying off student loans (I'm about a year out with my law-sc...
by TSR
Thu May 01, 2014 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 12224

Re: Student Loan Frustrations and Retirement

1. I agree that you should contribute enough into your Roth to create a compelling emergency fund if you don't already have one. (Just to make sure, you understand that you can withdraw the contributions -- but not earnings -- from a Roth at any time, penalty free, right?) Then hold off for a while ...
by TSR
Thu May 01, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loan Frustrations and Retirement
Replies: 21
Views: 2828

Re: Suggestions for 4 day trip to Santa Fe, Taos, Albuquerqu

Recommendation: spend your time in Santa Fe and Taos rather than ABQ (nothing against ABQ -- there's just enough to see in the other two spots). I received good advice of "try to eat breakfast, lunch, and dinner at Cafe Pasqual's while in Santa Fe," and I don't regret that. Exceptionally g...
by TSR
Tue Apr 29, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Suggestions for 4 day trip to Santa Fe, Taos, Albuquerque?
Replies: 9
Views: 518

Re: Stopping unwanted "junk" newspaper

This has not been my experience. We had a sort of "coupons-plus" newspaper that was thrown in my yard for a while and I felt helpless. Helpless, that is, until I actually opened it for the first time and saw an "unsubscribe" notice. I emailed the contact info and was taken off im...
by TSR
Sun Apr 20, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 23
Views: 1865

Re: Guitar purchase problem: Fender strat mfg warranty?

If Guitar Center sold this instrument and represented it as "new" to you, then you should be covered: http://support.fender.com/warranty/FENDER_LIMITED_LIFETIME_ELECTRIC_INSTRUMENT_WARRANTY_9-2001_revC.pdf GC is clearly an authorized fender dealer, the product's price undoubtedly includes ...
by TSR
Fri Apr 18, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Guitar purchase problem: Fender strat mfg warranty?
Replies: 25
Views: 1835

Re: What does "invest in the market mean"

Do you have an extra hour in your life right now? If so, I would strongly recommend watching these videos: http://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment_philosophy They really got me going with this stuff. The visual explanation for why it's better to "invest in the market&qu...
by TSR
Mon Apr 14, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does "invest in the market mean"
Replies: 11
Views: 920

Re: Why Americans are Retiring Overseas

Really, you would rather live in Thailand than the Southern US? Absolutely. Someone in an interracial, same-sex marriage just isn't going to feel at home in the Southern US in this lifetime, I am afraid. While the LGBT rights are still not great in Thailand, I would still prefer to live there . Tha...
by TSR
Thu Apr 10, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 11206

Re: 36 year old looking for advice

Oh, Laura, I see you mean that the market won't necessarily return 8%, which I agree with. I think the differences between the VUL returns and an index-approach stays relatively constant, as I played around with the numbers, but I'll make sure I can back that up mathematically. Two comments: 1. On ...
by TSR
Wed Apr 09, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: 36 year old looking for advice
Replies: 12
Views: 1574
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