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Re: Mortgage reamortization after lump sum payment?

Thanks, because I'm waiting for the home to come back up in value before putting it on the market. In the meantime, relative has offered us this loan at the lower 2.5% rate that helps us to significantly reduce the amount that's going to interest, meaning that more of our monthly payments to Chase ...
by Twins Fan
Sat Nov 22, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage reamortization after lump sum payment?
Replies: 10
Views: 899

Re: Mortgage reamortization after lump sum payment?

Probably best to call them and see if they would recast the mortgage.

Or, knock down the balance to $98k and refinance it... you should be able to get quite a bit lower than 5.5% now days.

Why do you want to pay down the rental home mortgage? That may not need to be such a high priority for you.
by Twins Fan
Sat Nov 22, 2014 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage reamortization after lump sum payment?
Replies: 10
Views: 899

Re: how to make money like a billionaire

I do recall Arthur having threads before about not taking CDs that were less than 3% (avg. inflation rate). So, I don't believe he messes around with the 1% or lower CDs. I also remember reading somewhere, wish i could remember where... Bogleheads, an article, a book..., where they were talking abou...
by Twins Fan
Thu Nov 20, 2014 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: how to make money like a billionaire
Replies: 116
Views: 9524

Re: Bought more international today

Well, I'm hoping this thread is closed well before 30 years pass. Pointless thread.
by Twins Fan
Wed Nov 19, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought more international today
Replies: 2
Views: 632

Re: Waitress giving me discount - ethical question

From the responses in this thread, I think most Bogleheads are naïve and don't spend much time in bars or live in big cities. Gordon No doubt!! Too busy saving money, I guess? :D I'm not a bar goer any longer, but my 20's were spent going out way too much! Had a good number of places that hooked me...
by Twins Fan
Tue Nov 18, 2014 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Waitress giving me discount - ethical question
Replies: 62
Views: 6656

Re: Should you use a 401k if you'll def. be in a higher brac

If they had a Roth 401k available, that would be the best route. If not, I would say, yes still contribute to the 401k for the tax deferred growth and tax benefit now. I don't know of many "100% definitely"s out there, so... :happy
by Twins Fan
Mon Nov 17, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Should you use a 401k if you'll def. be in a higher bracket?
Replies: 18
Views: 2324

Re: Newbie who procrastinated too long...trying to learn

First, smack yourself for thinking you're late to the party... but, I say that as someone that didn't start until 39 years of age with nothing and still don't have what you guys have. :) I think you guys are doing pretty well with roughly $400k across the board there and a home of your own. Do some ...
by Twins Fan
Mon Nov 17, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie who procrastinated too long...trying to learn
Replies: 4
Views: 775

Re: "Downgrading" to a Porsche

... I bought myself a nice treat - a CPO 2009 BMW 335i coupe (Paid a tad under 30K). ... After two years, I'm very happy with the car. It made the commute MUCH more comfortable and the car, surprisingly, has had no issues and been very cheap to maintain. ... I really enjoyed having a "fun"...
by Twins Fan
Mon Nov 17, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Downgrading" to a Porsche
Replies: 39
Views: 6245

Re: Ho, ho, ho!

It is a good counter to the couple recent, what if everyone indexed, threads. What if... don't worry about it. There will always be stock pickers, next year, and folks believing them. :happy
by Twins Fan
Mon Nov 17, 2014 11:55 am
 
Forum: Investing - Theory, News & General
Topic: Ho, ho, ho!
Replies: 3
Views: 852

Re: Should I have even $1 in Bonds?

Understandable.. :happy
by Twins Fan
Fri Nov 14, 2014 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I have even $1 in Bonds?
Replies: 34
Views: 4026

Re: Why own International at all?

I don't hold any. But, there aren't many like me around here. :D Along with the listed reasons ( although I think total stock and total international are close to even since the 70's or so), I'm also small time, as in small $$ and all tax advantaged accounts. So, I don't really see 20-30% internatio...
by Twins Fan
Fri Nov 14, 2014 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why own International at all?
Replies: 45
Views: 3991

Re: 10y - Plan Review

I'm no expert. But, I don't really see the insurance issue causing such a fuss... and a strong one. Other than don't count on the AD&D for anything other than... well, AD&D. Life insurance is for those dependent on your income right? How dependent are you really on wife's part time Realtor i...
by Twins Fan
Fri Nov 14, 2014 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 10y - Plan Review
Replies: 17
Views: 1142

Re: Should I have even $1 in Bonds?

Did we lose our beloved Starbux? :D
by Twins Fan
Fri Nov 14, 2014 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I have even $1 in Bonds?
Replies: 34
Views: 4026

Re: Please help with my asset allocation I think I did it ri

Yep, if you guys are in the 28% bracket plus city and state taxes, I would defer as much tax as you can there. Maybe in retirement you move to where there is no city, maybe even no state taxes?? Or, who knows... I would be in no hurry to Roth though. Just my take on it. Definitely Roth before taxabl...
by Twins Fan
Fri Nov 14, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with my asset allocation I think I did it right
Replies: 14
Views: 1391

Re: First time buyer - mortgage advise

Good point, Lee... I didn't think about the slightly lower rate being a distraction to keep the eyes off the 15 year mortgages. That could very well be... I've done about five mortgage or refinance applications in total, throughout life, and none of them stayed with the bank/institution I applied wi...
by Twins Fan
Wed Nov 12, 2014 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: First time buyer - mortgage advise
Replies: 15
Views: 1269

Re: How do you track the value of your illiquid assets ?

I'm having trouble understanding what you're so obsessed with here. You want to know how to find fairly precise current home values, track long-term market values... like 24 years from now, and this would give you some number in case you had to tap into the equity or get a reverse mortgage in retire...
by Twins Fan
Wed Nov 12, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you track the value of your illiquid assets ?
Replies: 50
Views: 2530

Re: Tax Withholding assistance

You could mess around with the IRS calculator and kind of guesstimate some numbers to get a ball park withholding number... http://www.irs.gov/Individuals/IRS-Withholding-Calculator I don't think her month and a half of income and any withholding changes this year will make much of a difference eith...
by Twins Fan
Tue Nov 11, 2014 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Withholding assistance
Replies: 4
Views: 302

Re: Windfall Elimination Provision question

I don't have an answer for you. But, I also get to look forward to the WEP due to my pension someday, not paying into social security during the current career, and not enough substantial earning years (I think that's what they call it) paying into social security. In the reading I've done on the WE...
by Twins Fan
Tue Nov 11, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Windfall Elimination Provision question
Replies: 16
Views: 1772

Re: Retiring Parents Set in Risky Ways

The "cult-like" label Bogleheads have out there in finance world tends to show through in threads like these, in my opinion. Holding 80% of one's portfolio in one stock is a very bad idea and 99 and 44/100% of all investors would agree with Bogleheads. Diversification is not a Boglehead e...
by Twins Fan
Tue Nov 11, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring Parents Set in Risky Ways
Replies: 46
Views: 4180

Re: If your networth is over $3 million, how did you do it?

So no lottery winners here? or at least, people inheriting millions? I think a high net worth is temporary for those folks. Seems easier to lose it when one didn't earn it or learn how to make it or keep it. Just my guess... I don't fit into the catagory now matter which way it was done, so... :happy
by Twins Fan
Tue Nov 11, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 248
Views: 24298

Re: Retiring Parents Set in Risky Ways

I wonder if folks would tell you to butt out if your parents were putting their lives at risk, didn't realize it, but all the rest of us did? That's a completely ridiculous comparison. I think it's a fairly decent comparison, actually, because you do pretty much the same thing. You say once a year ...
by Twins Fan
Tue Nov 11, 2014 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiring Parents Set in Risky Ways
Replies: 46
Views: 4180

Re: Information on personal investment portfolios

Point you in a direction... Sure, use the search function on Bogleheads and take your pick. :D At least once or twice a week someone asks about short term savings, so there are plenty of threads about it. I don't think there is a "best" way to do it. My feeling is keep it as safe as can be...
by Twins Fan
Tue Nov 11, 2014 7:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Information on personal investment portfolios
Replies: 4
Views: 391

Re: Roth 401k or deductible 401k?

You're a big believer in forced savings, but don't max. out contributions now... You plan to max them out next year just because a Roth option is going to be available... And, you would knowingly (according to things as they are) pay more taxes now... Your post conflicts itself and also answers itse...
by Twins Fan
Tue Nov 11, 2014 7:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k or deductible 401k?
Replies: 9
Views: 983

Re: Retiring Parents Set in Risky Ways

abyan wrote:I wonder if folks would tell you to butt out if your parents were putting their lives at risk, didn't realize it, but all the rest of us did?


That's a completely ridiculous comparison.
by Twins Fan
Tue Nov 11, 2014 7:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiring Parents Set in Risky Ways
Replies: 46
Views: 4180

Re: Roll Vanguard Roth into TSP Roth

Well, you should have already opened that then. :happy
by Twins Fan
Mon Nov 10, 2014 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roll Vanguard Roth into TSP Roth
Replies: 10
Views: 576

Re: How is my portfolio and where I want to go?

In my opinion, missing one year of 401k contributions probably isn't a huge deal in the long run. But on the other hand, saying you want to skip a year of contributions there when you have $80k in taxable already, a good emergency fund in place, and a savings rate of $40k/year because you want to sa...
by Twins Fan
Mon Nov 10, 2014 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is my portfolio and where I want to go?
Replies: 18
Views: 1620

Re: Retiring Parents Set in Risky Ways

Who do you guys think is going to be paying for the parents retirement if this stock holding vanishes? I'll give you two guesses, and you better not need both of them. They sell the house and all the toys they've acquired as millionaires to pay for retirement? Oh, not the guess you wanted? :D We do...
by Twins Fan
Mon Nov 10, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring Parents Set in Risky Ways
Replies: 46
Views: 4180

Re: First time buyer - mortgage advise

I would go through the papers/deal with a fine tooth comb on that one. I can't see the .250 lower rate coming out of the goodness of their hearts for the slight difference in length of the loans (26 vs. 30). There may be some additional fee(s) making up for that? Or, maybe it's just a hope to get mo...
by Twins Fan
Mon Nov 10, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: First time buyer - mortgage advise
Replies: 15
Views: 1269

Re: Should I buy this car?

Other than the dealer being full of it about the 90 year old and broken hip part, I don't see why not. The carfax shows it to be a prior rental car and put the 9000 plus miles on in the first 6 months of its life on the road. Sounds about right for a rental car... unless you know many 90 year olds t...
by Twins Fan
Mon Nov 10, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy this car?
Replies: 11
Views: 1479

Re: Retiring Parents Set in Risky Ways

First off, my parents have always been very responsible with their money and raised me in a way that made me adopt a similar mindset, of which I am thankful. Umm, and you feel like you should change them why? :oops: :D I and many here can understand why you would want them to diversify more. But, i...
by Twins Fan
Mon Nov 10, 2014 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring Parents Set in Risky Ways
Replies: 46
Views: 4180

Re: First time buyer - mortgage advise

I think the math is wrong there... I certainly hope the bi-weekly payment isn't $140 over the monthly payment amount!... I.E. 2961.20 x 26 = 76991.20/year or 76991.2/12 = 6415.93 monthly... you comfortable with that payment? :D Your bi-weekly payment should be about $1302 (2821.42 x 12/26) by my mat...
by Twins Fan
Mon Nov 10, 2014 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: First time buyer - mortgage advise
Replies: 15
Views: 1269

Re: Roll Vanguard Roth into TSP Roth

Halt contributions to Vanguard and instead open a TSP.. :confused

Do you have the TSP available to you? Not just any old schmoe gets to open a TSP.
by Twins Fan
Mon Nov 10, 2014 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roll Vanguard Roth into TSP Roth
Replies: 10
Views: 576

Re: How is my portfolio and where I want to go?

Good questions... BUT, questions that can really only be answered by you. It's called personal finance for a reason. :wink:
by Twins Fan
Mon Nov 10, 2014 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is my portfolio and where I want to go?
Replies: 18
Views: 1620

Re: War on Debt

1. Your original posts of prev years mention that you work for NY State and that your skill set is very unique and in demand. In the latest posts, you mention that you work for Non-Profit. So whom do you work for? I didn't go back to past threads, but I did notice the skill set part mentioned in th...
by Twins Fan
Mon Nov 10, 2014 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 27056

Re: Gathering thoughts vs. Market Timing

I don't know what fund it is, but the intermediate term bond fund at .23 ER (I'm guessing an index fund) is what I would use there. Keep it simple, set an forget.

You have a nice looking 401k ER'wise there, by the way!
by Twins Fan
Mon Nov 10, 2014 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gathering thoughts vs. Market Timing
Replies: 56
Views: 2918

Re: Gathering thoughts vs. Market Timing

"Feels right"... for now?? Do you see any appeal of going maybe 70/30 for a bit with the 70% 86/14 of SP/SC to mimic total stock, and the 30% stable value for peace of mind and dry powder? Maybe it's coming across wrong in your posts, but you seem to show NO signs of actually sticking to a...
by Twins Fan
Mon Nov 10, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gathering thoughts vs. Market Timing
Replies: 56
Views: 2918

Re: War on Debt

There are two threads by technofox about the same problem, which for someone calling others out about needing attention :confused , and roughly 400 replies for him to sort through of good advice. Some harsh and some kind, but all good... Quit feeding these train wrecks. It's like bad reality TV I kn...
by Twins Fan
Mon Nov 10, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 27056

Re: How is my portfolio and where I want to go?

You look to be doing pretty good and have a very good savings rate. It's called balance. If one saves to the point of feeling deprived, I don't think that's a good thing. You have $80k in taxable. I don't know what kind of wedding ring you want(ed) to buy, but if you couldn't sell some out of there ...
by Twins Fan
Wed Nov 05, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is my portfolio and where I want to go?
Replies: 18
Views: 1620

Re: Bond funds as a savings vehicle?

Well, I believe the fund you bring up is the institutional version... you're going to need a bit more than $10k to get into that one. :wink: Look into tax efficiency and holding bonds in taxable accounts... check out tax exempt bond funds... check out Vanguard for lower fees... and on and on. Nice j...
by Twins Fan
Tue Nov 04, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond funds as a savings vehicle?
Replies: 19
Views: 1728

Re: Should I pay off student loans with part of emergency fu

Yeah, not much interest left to pay on it now. So, probably makes little difference either way. If the job is secure, you don't see any emergency expenses coming up soon... of course emergencies are tough to see in advance, and the student loan makes you itchy :happy ,... pay it off and build EF bac...
by Twins Fan
Tue Nov 04, 2014 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I pay off student loans with part of emergency fund?
Replies: 19
Views: 1044

Re: Should I stop tracking past performance?

I'm sure we all looked at past performance during the development of the plan (different for each probably), but once the plan is in place I see no reason to obsess over it anymore for the individual. Just stick to the second method you have to know if savings rates should be changed, or for rebalan...
by Twins Fan
Tue Nov 04, 2014 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: Should I stop tracking past performance?
Replies: 36
Views: 2184

Re: Need Help With My 401k

Sorry, I read that too quickly and incorrectly to think you were new to investing... my bad. If you have plenty to invest, you should max out your 401k contributions instead of just get the match. You have some really good fund choices there... tough to pass that up, IMO. "Missing out on anythi...
by Twins Fan
Tue Nov 04, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rate My Portfolio
Replies: 12
Views: 1216

Re: Feeling very fortunate today!

You do realize techno wrote that post you just replied to on Oct. 15th, right?

Just admit it, Starbux, you will never retire. :D
by Twins Fan
Tue Nov 04, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 55
Views: 7300

Re: New To Investing Please Rate My Portfolio

I see. Well, what about just a simple 60/40 in the following two funds below since they both track two vital and often mentioned U.S. benchmarks? 60% Vanguard Institutional Index Fund Institutional Plus Shares .02% fee (Tracks S&P 500) 40% SSgA U.S. Bond Index Non-Lending Series Fund Class C .0...
by Twins Fan
Tue Nov 04, 2014 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Rate My Portfolio
Replies: 12
Views: 1216

Re: VGuard Index Fund Portfolio Q

Is this in a taxable account or an IRA (Roth?)? Once you get to Admiral Shares in the bond fund, that ER will go down to .10%. Even at .20% that fund is in the excellent ER range IMO, as are the others. I agree the ERs should not factor into this decision at all. I don't hold any international fund(...
by Twins Fan
Sat Nov 01, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGuard Index Fund Portfolio Q
Replies: 7
Views: 828

Re: Short term reserve question.

Depends... :D I think folks simply say money market and leave it at that just to keep it short and sweet. When it could mean a money market fund through Vanguard for example, which is returning about next to 0% now days,... or it could mean a money market savings account through Ally for example, wh...
by Twins Fan
Fri Oct 31, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short term reserve question.
Replies: 22
Views: 1436

Re: Asset Allocation

You should be good to go. The total stock ETF should be an index of the US total stock market. Just in ETF form rather than a mutual fund. You can leave that as is... Unless you're talking about another taxable account not mentioned? Then you can make whatever changes necessary in the tax advantaged...
by Twins Fan
Fri Oct 31, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 14
Views: 769

Re: Asset allocation - Average investment choices in company

The Pimco total return and 500 index funds are all I would use out of that group. Fill in the rest in other accounts.
by Twins Fan
Fri Oct 31, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning for 2 physician household - 401k 457b -
Replies: 43
Views: 3164

Re: Asset Allocation

That is something you will have to decide yourself. There is no one right answer, and for as many replies you may get you could get just as many variations/answers. The simple way is hold total stock and total international. Then you hold "the market". How much of each? Well again, no one ...
by Twins Fan
Fri Oct 31, 2014 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 14
Views: 769

Re: Short term investing

We probably could suggest the money be placed in CDs, however. That's what I would say also. Agree, more information would be helpful... but, planning to retire in 3 years, income cut in half then, and planning to buy a home 2 years after that, which :confused... I wouldn't take any risk with that ...
by Twins Fan
Fri Oct 31, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short term investing
Replies: 5
Views: 564
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