Bogleheads.org

Thanks for the info, frequentT! Rental property: lots of options to think about, negative cash flow is a bummer; you probably will not be able to deduct passive losses? will rental market rates rise soon enough to get you to neutral? have you thought about offering a lease purchase agreement when yo...

Thanks again for your advice! Here is what I plan to do, any additional comments? 1) Attempt to sell the rental property 2) Increase my 401(k) and my wife's 403(b)/457(b) contributions to ensure our AGI is below $300K this year 3) Max out my HSA contribution 4) Re- balance the current investments as...

I sold a portion of DTE stock we own in 2012. The stock was originally purchased in 1981 for my wife by her parents in a UGMA and transferred to us in a joint account after we were married. The stock dividends were reinvested in the Dividend Reinvestment and Stock Purchase Plan from the beginning an...

Not Bob: Thank you for the links. They were very helpful. I do view my Roth IRA as a backup to my cash emergency fund and agree it makes sense to use bonds for that purpose, so I will keep the Roth IRA funds in VBILX. I have an HSA/HDHP for my health insurance and will max out my contributions. NYDa...

Not Bob and NYDad: I did not realize the significant tax implications of AGI >$300K in terms of the ATRA deduction phase-outs and will re-prioritize to increase my 401(k) contributions to the limit to ensure I don't exceed that AGI threshold. The Bogleheads wiki article on ATRA was very clear, but I...

Hi Bogleheads! I’m a believer in the three-fund portfolio and re-balance annually when I do my taxes and make my Roth IRA contributions. There are a few life events that have happened or will be happening in the near future, so I wanted to check in and get your thoughts on what I should do before I ...

Dear Bogleheads, I will be leaving the workforce for two years to earn my MBA starting in Aug 2009. My wife just started her third year of residency as an OB/GYN (Residency is 4 years long). I plan to reenter the workforce in May 2010 and my wife plans to start a fellowship in High-Risk OB/GYN at th...

This is one of those topics where I agree and disagree, because the abusers involved in this issue on both sides are just clowns The consumers that don't want to pay for anything so they download the Anyway, that characterization of the estate system is a gross mischaracterization of it It's the tor...

Currently, I am planning on the following for 2008:
His 401K: $7,000
His IRA: $5,000
Her IRA: $5,000

Brian, thanks for the reply. Was the beginning of your response cut off? I agree, 7% is too low for fixed income. My goal is to achieve 60% domestic stock, 20% international and 20% fixed income (bond) as my allocation. However, I don't like my options in my 401K, which is where the bulk of my inves...

Hello Bogleheads! Thank you all so much for contributing to this online community. I have been working now for about 4 years and got married to a doctor (intern/first year resident) this past May. For the past four years, I’ve been simply putting money into my 401K as my retirement savings without r...