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Re: Portfolio Advice for Upcoming Life Events

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...
by UMHockeyFan
Wed Mar 13, 2013 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for Upcoming Life Events
Replies: 10
Views: 1000

Re: Portfolio Advice for Upcoming Life Events

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...
by UMHockeyFan
Tue Mar 12, 2013 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for Upcoming Life Events
Replies: 10
Views: 1000

Help with Difficult Cost Basis Calcuation

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...
by UMHockeyFan
Thu Mar 07, 2013 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Difficult Cost Basis Calcuation
Replies: 2
Views: 285

Re: Portfolio Advice for Upcoming Life Events

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...
by UMHockeyFan
Tue Mar 05, 2013 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for Upcoming Life Events
Replies: 10
Views: 1000

Re: Portfolio Advice for Upcoming Life Events

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...
by UMHockeyFan
Tue Mar 05, 2013 1:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for Upcoming Life Events
Replies: 10
Views: 1000

Portfolio Advice for Upcoming Life Events

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 ...
by UMHockeyFan
Sun Mar 03, 2013 11:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for Upcoming Life Events
Replies: 10
Views: 1000

2010 Cap Gains Tax and Roth IRA Conversion Questions

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...
by UMHockeyFan
Tue Jun 30, 2009 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2010 Cap Gains Tax and Roth IRA Conversion Questions
Replies: 3
Views: 1857

y cable to mixer

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...
by UMHockeyFan
Wed Jan 07, 2009 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: y cable to mixer
Replies: 2
Views: 545

Currently, I am planning on the following for 2008:
His 401K: $7,000
His IRA: $5,000
Her IRA: $5,000
by UMHockeyFan
Wed Mar 12, 2008 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 27 yo AA Assistance
Replies: 7
Views: 1653

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...
by UMHockeyFan
Wed Mar 12, 2008 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 27 yo AA Assistance
Replies: 7
Views: 1653

27 yo AA Assistance

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...
by UMHockeyFan
Wed Mar 12, 2008 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: 27 yo AA Assistance
Replies: 7
Views: 1653

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