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Re: Overseas Travel Adventure - Africa

A friend of mine asked about a trip I took to South Africa last April. Here's what I told him...hopefully you find something helpful in it. My wife and I love to travel. It's probably our favorite thing to do. However, we dislike tours. When it comes to travel, we are do-it-yourselfers. That's why w...
by Travel Bug
Fri Oct 18, 2013 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Overseas Travel Adventure - Africa
Replies: 18
Views: 1366

Re: Family Vacations: Your Favorites, ages + tips requested!

My wife and I travel extensively so I have a lot of ideas about great destinations. I'll suggest our most recent trip, which we just returned from a couple of weeks ago - a self-guided safari in South Africa's Kruger National Park. We don't have kids of our own but we encountered many vacationing fa...
by Travel Bug
Fri May 03, 2013 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Family Vacations: Your Favorites, ages + tips requested!
Replies: 31
Views: 2947

Re: Analysis paralysis with cash-in refinance

Thanks, MN Finance. I hadn't fully considered the tax implications as you pointed them out. It seems like we should continue maxing out our 401Ks and Roth IRAs as well as continue saving towards a possible refi. That way, when we have enough in-hand to refi in a year or two, we can run the numbers t...
by Travel Bug
Fri Mar 15, 2013 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Analysis paralysis with cash-in refinance
Replies: 7
Views: 639

Analysis paralysis with cash-in refinance

I’m from a long line of folks who made poor financial decisions in my pre-Boglehead days. Mine just happen to be more recent and are still costing me money. I’m uncertain about the best course of action to take with my current mortgage. Any insights, suggestions, or advice would be welcome. Thanks i...
by Travel Bug
Fri Mar 15, 2013 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Analysis paralysis with cash-in refinance
Replies: 7
Views: 639

Refinancing our home, please help

Thanks in advance for any advice given… My wife and I would like to take advantage of the current low interest rates and I thought I would check with the group here before calling the bank. We originally purchased our home for $500,000 in Sept. 2008. Our original loan amount was $491,000 with a 6.37...
by Travel Bug
Thu Mar 01, 2012 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing our home, please help
Replies: 6
Views: 428

Re: Help with portfolio - composition and rebalancing

Thanks for the advice! Much appreciated. Yes, our AA is a bit off at present, partly because of the cash we have on hand. We'll rebalance by investing this cash and adjusting contributions in our other accounts. On the mortgage refinance issue, what should we be aware of if we try to refi to a lower...
by Travel Bug
Fri Feb 03, 2012 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio - composition and rebalancing
Replies: 5
Views: 455

Help with portfolio - composition and rebalancing

First off, let me just say that this forum is fantastic and makes a positive impact on people’s lives everyday. Thanks in advance for any advice and guidance you can share. I was first introduced to this forum about a year ago. I received some very good advice here and, since then, my wife and I hav...
by Travel Bug
Thu Feb 02, 2012 10:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio - composition and rebalancing
Replies: 5
Views: 455

Does anyone else think it is a bad idea to commit 100% of our bond allocation to the TSP G Fund? The other option is the Vanguard Total Bond Market Index Fund in my 457(b) plan.

Also, are there any tax-efficiency problems with our adjusted portfolio?

Thanks!
by Travel Bug
Mon Mar 28, 2011 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - married couple in late 20s
Replies: 17
Views: 2456

Is the TSP F Fund a better choice than the Vanguard Total Bond Market Index Fund (VBTLX) (0.12%)?

Also, the 457(b) does not have the non-governmental restrictions (it's portable, etc.).

Does anyone see any glaring tax inefficiencies in our adjusted portfolio?
by Travel Bug
Thu Mar 24, 2011 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - married couple in late 20s
Replies: 17
Views: 2456

My wife and I have been working through the numbers for the past 10 days and we’ve come up with a plan that I’m hoping you all can comment on. Here goes… We have about $38,000 in existing retirement accounts and another $30,000 in non-emergency cash that we’re looking to invest. Our current portfoli...
by Travel Bug
Thu Mar 24, 2011 1:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - married couple in late 20s
Replies: 17
Views: 2456

Thanks for the great advice. I appreciate the time and consideration you put into your post. This will give me a very good start in putting together our portfolio.
by Travel Bug
Mon Mar 14, 2011 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - married couple in late 20s
Replies: 17
Views: 2456

Thanks to all who have read through my original post and questions. I've gathered all of the 457(b) fund and TSP fund information and listed it under the "New annual contributions" section of my original post. Based on the options available in my 457(b), should I put as much money as possi...
by Travel Bug
Mon Mar 14, 2011 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - married couple in late 20s
Replies: 17
Views: 2456

Portfolio review - married couple in late 20s

Short-ish background: First off, thanks in advance for taking the time to read through my situation and provide your input. It’s greatly appreciated. My wife and I are basically investment newbies. We were referred to a financial adviser two years ago just after we married and decided to start savi...
by Travel Bug
Sat Mar 12, 2011 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - married couple in late 20s
Replies: 17
Views: 2456

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