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Re: 2014 Annual Conference Bogleheads Vegans & Vegetarians

I would totally love to join you at a vegan/vegetarian restaurant! Please find me at the reception. My name is Tracy. I will look for you Robert, Emergdoc & Cjonblanchard. Were you thinking of going out Wednesday night or Thursday night? Can you let me know b/c I have a meeting scheduled and wan...
by Tarabara
Tue Oct 21, 2014 7:35 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 2014 Annual Conference Bogleheads Vegans & Vegetarians
Replies: 9
Views: 911

Re: Looking for alternative to ING/Capital One

thank you. this is exactly what i was looking for. they both look good and will meet my needs.
by Tarabara
Sat Mar 22, 2014 9:54 am
 
Forum: Investing - Theory, News & General
Topic: Looking for alternative to ING/Capital One
Replies: 8
Views: 981

Looking for alternative to ING/Capital One

I had some of my emergency funds in ING and ever since Capital One bought ING I have been less happy. I hate the website. Every single time i try to log on I have to reset my password. I am ready to close the account but need a good alternative for this portion of my emergency funds - the cash porti...
by Tarabara
Fri Mar 21, 2014 11:26 am
 
Forum: Investing - Theory, News & General
Topic: Looking for alternative to ING/Capital One
Replies: 8
Views: 981

Re: Looking for best mortgage refinance deal

With the PennFed deal, 5/5 ARM 2.5% with no closing costs, did you have to pay any costs at all? For example, the fine print says you have to pay for title search and title insurance and you have to use their recommended title search company to qualify for the closing costs credit. WAs this the case...
by Tarabara
Sat May 25, 2013 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for best mortgage refinance deal
Replies: 8
Views: 885

Re: Looking for best mortgage refinance deal

That is good to know about your positive experience with PennFed. I hate when the story changes once you get into the process! The only thing about that 5/1 ARM is that if you refinance or pay it off within the first 3 years you have to pay them back the closing costs and fees. That is pretty reason...
by Tarabara
Fri May 24, 2013 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for best mortgage refinance deal
Replies: 8
Views: 885

Looking for best mortgage refinance deal

I am looking for the best rates and deal on refinancing a mortgage. The decision on whether to pay off or remortgage is in another thread, but now looking for info on the best deal. I have seen folks mention PennFed 1.99% no point and no fees, but I cannot locate any deal that good! I looked at Penn...
by Tarabara
Fri May 24, 2013 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for best mortgage refinance deal
Replies: 8
Views: 885

Re: Should I sell Taxable TSM to pay off 15 year Mortgage?

Thank you so much retiredjg. Thanks for pointing out that the gains would likely push partner into another tax bracket, I didn't even think of that. I think in our case the refinancing is looking like very good option, and we can always decide to pay it off sooner by making additional payments or pa...
by Tarabara
Fri May 24, 2013 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell Taxable TSM to pay off 15 year Mortgage?
Replies: 22
Views: 1748

Re: Should I sell Taxable TSM to pay off 15 year Mortgage?

Thanks for all the advice. Your responses prompted me to check into a few more details: I pay 3.07% State Income Tax and 1.35% Local tax Real estate tax was $7511 in 2012 My mortgage interest deduction in 2012 was $8148 so if I pay off the mortgage, I will owe another $2281 in taxes. I also checked ...
by Tarabara
Thu May 23, 2013 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell Taxable TSM to pay off 15 year Mortgage?
Replies: 22
Views: 1748

Re: Would you invest a lump sum or dollar cost average?

Last summer I had a lump of cash and I asked the same question on the forum. After carerully considering all the replies and reading the wikis, I did lump sum if that helps at all.
by Tarabara
Thu May 23, 2013 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Would you invest a lump sum or dollar cost average?
Replies: 47
Views: 2251

Re: Should I sell Taxable TSM to pay off 15 year Mortgage?

To answer questions above: My real estate taxes are not low, about 8,500. Charitable gifts at least 2-3 thousand. The mortgage interest is my major deduction.
by Tarabara
Thu May 23, 2013 7:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell Taxable TSM to pay off 15 year Mortgage?
Replies: 22
Views: 1748

Re: Should I sell Taxable TSM to pay off 15 year Mortgage?

Ahhh 2.75%, that is easier to achieve. If I do not pay it off, I will definately refinance. so, I have already narrowed my options from 3 to 2. thanks for the feebback so far!!
TaraBara
by Tarabara
Wed May 22, 2013 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell Taxable TSM to pay off 15 year Mortgage?
Replies: 22
Views: 1748

Re: Should I sell Taxable TSM to pay off 15 year Mortgage?

May I ask what lender you used for the 15 year 1.75%? That is a good deal!!
by Tarabara
Wed May 22, 2013 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell Taxable TSM to pay off 15 year Mortgage?
Replies: 22
Views: 1748

Should I sell Taxable TSM to pay off 15 year Mortgage?

reposting because somehow my post was lost or deleted. Sorry to anyone who had already responded. I did read 2 of the replys. I was out to dinner the other night with friends who told me their house is paid for. That got me thinking… is the time right for me to pay off my mortgage? I expect to be in...
by Tarabara
Wed May 22, 2013 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell Taxable TSM to pay off 15 year Mortgage?
Replies: 22
Views: 1748

Re: Calculating RMD on inherited IRA where ben is not indivi

Alan, Thank you so much for your explanation and this information. This is exactly what I was looking for. To answer your questions: Yes, the the IRA was transferred out of the estate to the estate beneficiaries by direct transfer into inherited IRA accounts for each beneficiary. I did check with th...
by Tarabara
Mon Dec 03, 2012 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Calculating RMD on inherited IRA where ben is not individual
Replies: 2
Views: 447

Calculating RMD on inherited IRA where ben is not individual

I am requesting help calculating the RMD on an inherited IRA where I am not the individual named beneficiary because it passed through the estate. Respectively, I ask that only people who thoroughly understand this situation respond because I really need an expert. I have actually inherited 2 IRAs f...
by Tarabara
Wed Nov 21, 2012 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Calculating RMD on inherited IRA where ben is not individual
Replies: 2
Views: 447

Re: Recommended timing for RMD's from Inherited IRA & rebala

You are all correct, if the deceased passed away after they were already taking RMDs, and the beneficiary is an individual, then you can use the beneficiary's life expectancy in calculating the RMD. However, in my case, one of my inherited IRAs passed thru the estate and then on to the estate's bene...
by Tarabara
Sat Oct 20, 2012 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recommended timing for RMD's from Inherited IRA & rebalancin
Replies: 16
Views: 1344

Re: Recommended timing for RMD's from Inherited IRA & rebala

Thanks everyone for your posts. As usual, very helpful advice. Easy Rhino - I cannot spread the RMDs over my lifetime, they are calculated based on deceased lifetime. Taylor - thank you for your comments. I cannot take credit for the idea to put the bonds in the inherited IRA, that was Boglehead adv...
by Tarabara
Thu Sep 06, 2012 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Recommended timing for RMD's from Inherited IRA & rebalancin
Replies: 16
Views: 1344

Recommended timing for RMD's from Inherited IRA & rebalancin

I need to take RMD's from an inherited IRA starting this year… Approximately $10,000 per year. According to my investment plan, which has been Boglehead approved, my inherited IRA is invested 100% in Vanguard Intermediate-Term Bond Fund. The plan is to withdraw the RMD, and then invest the money in ...
by Tarabara
Thu Aug 30, 2012 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recommended timing for RMD's from Inherited IRA & rebalancin
Replies: 16
Views: 1344

Re: Please review new improved investment plan

Well I certainly do not want to do anything to make posting replies more difficult so I will stick to text. :P I still cannot believe that you guys respond to all of our questions!! Unbelievablly kind and generous. My current thinking on this is that you love this stuff but all of your portfolios ar...
by Tarabara
Tue Aug 14, 2012 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please review new improved investment plan
Replies: 17
Views: 1363

Re: Please review new improved investment plan

hi retiredjg (and others) First of all thank you for your support! I really appreciate your comment: tarabara, you have made outstanding progress in simplifying your portfolios Back Door IRA I will research the back-door IRA and make sure inherited IRAs don't count. I think that is a good plan to co...
by Tarabara
Tue Aug 14, 2012 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please review new improved investment plan
Replies: 17
Views: 1363

Re: Please review new improved investment plan

retiredjg - I have been reading about back-door IRAs, but I am not sure they would work out for me because I do have other non-roth IRAs. It says the following in the wiki: If you have any other (non-Roth) IRAs, the taxable portion of any conversion you make is prorated over all your IRAs; you canno...
by Tarabara
Tue Aug 14, 2012 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Please review new improved investment plan
Replies: 17
Views: 1363

Re: Please review new improved investment plan

Thanks for all the help and enouragement! Now I have hit a snag in my plan and need more help! I am working with Vanguard to set up the RMDs and have discovered that I actually need to split the inherited account into 2 separate accounts, one will be about 18% of the balance, and the other 82%. The ...
by Tarabara
Mon Aug 13, 2012 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please review new improved investment plan
Replies: 17
Views: 1363

Please review new improved investment plan

Here is my new investment plan. It is not as simple as many of yours, but it is a vast improvement over my existing portfolio, based on great advice and feedback from this site. I posted my entire situation in a previous post, but it was really long and ugly so here is an abbreviated version, easier...
by Tarabara
Thu Aug 09, 2012 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please review new improved investment plan
Replies: 17
Views: 1363

Re: Why does my bond allocation need to be so high?

Wow, thank you everyone for all of your responses. The wealth of knowledge on this site is amazing. I am learning a lot! I must admit it is a bit reassuring to hear that not all bogleheads subscribe to the own-your-age in bonds approach and that some have lower bond allocations, but i definitely app...
by Tarabara
Fri Aug 03, 2012 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why does my bond allocation need to be so high?
Replies: 33
Views: 3173

Re: Requesting help in simplifying and overhauling investmen

Thank you very much for your responses. I am working on a new version of my investment plan and will post it shortly for review. Thanks!
by Tarabara
Wed Aug 01, 2012 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Requesting help in simplifying and overhauling investments
Replies: 11
Views: 1755

Why does my bond allocation need to be so high?

I realize this is a heated subject and will likely generate some alarmed responses...but here goes. I have a really hard time allocating more than 20% of my portfolio to bonds. I am 48 and hope to retire in 10-12 years. My current allocation is 80/20 but everyone's advice to me and the wiki and Vang...
by Tarabara
Wed Aug 01, 2012 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why does my bond allocation need to be so high?
Replies: 33
Views: 3173

Re: Intermediate-Term Bond vs Total Bond

Thanks for your response. You say your bond allocation used to be Intermediate Term plus TIPS. So I am curious...what is it now??
thanks!!
by Tarabara
Thu Jul 26, 2012 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate-Term Bond vs Total Bond
Replies: 21
Views: 2674

Re: Intermediate-Term Bond vs Total Bond

I have very similar questions but I do have a choice of both. If you had both and you could choose, which would you choose or would you have both?
by Tarabara
Thu Jul 26, 2012 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate-Term Bond vs Total Bond
Replies: 21
Views: 2674

Re: Total bond market Is this enough?

thanks hoppy08520, that answered my questions.
by Tarabara
Thu Jul 26, 2012 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total bond market Is this enough?
Replies: 18
Views: 2793

Re: Lump Sum vs DCA when exchanging funds in a 401k

Very good advice...thanks again!! I have quite a bit more to do but I am moving in the right direction now.
by Tarabara
Thu Jul 26, 2012 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum vs DCA when exchanging funds in a 401k
Replies: 9
Views: 729

Re: Lump Sum vs DCA when exchanging funds in a 401k

Yes, I am looking forward to the piece of mind i will have when I have finished simplifing! :happy
by Tarabara
Wed Jul 25, 2012 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum vs DCA when exchanging funds in a 401k
Replies: 9
Views: 729

Re: Total bond market Is this enough?

Do you know why Vanguard closed High-Yield Corporate Bond Index - VWEHX? I have a small amount of money invested in this fund, only 1% of my portfolio. Should I keep it? Why does Vanguard close funds? does this mean that Vanguard will no longer offer a junk bond offering? does that mean they think i...
by Tarabara
Wed Jul 25, 2012 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total bond market Is this enough?
Replies: 18
Views: 2793

Re: Lump Sum vs DCA when exchanging funds in a 401k

I just made quite a few exchanges today....moving towards a simplified plan!! thanks for the support.
by Tarabara
Wed Jul 25, 2012 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum vs DCA when exchanging funds in a 401k
Replies: 9
Views: 729

Re: Lump Sum vs DCA when exchanging funds in a 401k

Thanks for the push. I need a little push. sometimes I get paralyzed!
by Tarabara
Tue Jul 24, 2012 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum vs DCA when exchanging funds in a 401k
Replies: 9
Views: 729

Re: Requesting help in simplifying and overhauling investmen

Dear xyz, Thank you so much for your suggested allocation. It is really challenging me and making me think and helping me come up with my new simpler investment plan. If you would grant me just a bit more of your time, I do have a few questions about why you suggested certain things. It will help me...
by Tarabara
Tue Jul 24, 2012 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Requesting help in simplifying and overhauling investments
Replies: 11
Views: 1755

Lump Sum vs DCA when exchanging funds in a 401k

I have read the wiki and the forum post on “lump sum vs dollar cost averaging”. Very interesting, strong opinions on both sides. My favorite quote from the wiki is “Some investors have the goal, not of maximizing their expected returns, but of minimizing their potential regret.” Love that! I am fair...
by Tarabara
Tue Jul 24, 2012 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum vs DCA when exchanging funds in a 401k
Replies: 9
Views: 729

Re: should i wait for the bad times to end??

I have at least one thing in common with you in that I have cash I would like to invest and can't decide to do it all-at-once or dollar-cost-average. In your case, if I were you, because it is your entire investment, I would dollar-cost-average but try don't drag it out too long - try to get 100% in...
by Tarabara
Tue Jul 24, 2012 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: should i wait for the bad times to end??
Replies: 18
Views: 2214

Re: Requesting help in simplifying and overhauling investmen

Thank you everyone very much for your help and suggestions. Rainier - we actually just refinanced our mortgage this winter and thought 4.25% was pretty good at the time! I realize the rates keep dropping tho. Thanks for the ideas for the emergency fund. XYZ - Thank you for the consolidated portfolio...
by Tarabara
Sun Jul 22, 2012 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Requesting help in simplifying and overhauling investments
Replies: 11
Views: 1755

Requesting help in simplifying and overhauling investments

This is my first post.I recently discovered Bogleheads and I think it is fantastic. I have been investing at Vanguard for many years now but have just discovered Bogleheads and the extensive expertise & advice found on the site. Over the years I have hired 2 financial planners, but for the past ...
by Tarabara
Fri Jul 20, 2012 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Requesting help in simplifying and overhauling investments
Replies: 11
Views: 1755

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