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Re: 2013 Annual Conference Bogleheads 12

I am also a vegan attending the conference and would love to connect with other vegans for dinner. Glad that there are now at least 3 of us, boomergeneration! rlaustin has done some great reconnaissance and found a couple restaurants to consider for dinner -- [names removed, see my prior post --adm...
by cjonblanchard
Fri Oct 04, 2013 4:09 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 2013 Annual Conference Bogleheads 12
Replies: 7
Views: 1363

Re: 2013 Annual Conference Bogleheads 12

Hi, rlaustin -- I'm a vegan and will be there. This is my first conference, am very excited, and looking forward to attending. I haven't inquired as to vegan meal choices. How was it last year when you attended? What a good idea to post -- thanks!
by cjonblanchard
Sun Sep 15, 2013 11:12 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 2013 Annual Conference Bogleheads 12
Replies: 7
Views: 1363

Re: Follow-up to 59 & 76 YOs requesting alloc. & brokerage i

IMHO, Scottrade is probably the least desirable brokerage with regards to fees and services. TDAmeritrade, Fidelity, Schwab, and Vanguard are better and lower cost. Thanks for your comments! Glad you seconded this decision. Enjoyed lots of free trades at Scottrade, but that expired and don't need t...
by cjonblanchard
Mon Jul 01, 2013 10:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Follow-up to 59 & 76 YOs requesting alloc. & brokerage input
Replies: 4
Views: 482

Re: Follow-up to 59 & 76 YOs requesting alloc. & brokerage i

25/25 on TBM/TIPS seems too heavily weighted to TIPS to me. I'd suggest 35/15 instead. Others may differ, though. Thanks so much -- I'll go with that. I am a big fan of simplification, and would therefore put everything at Vanguard (plus your bank for the checking account and ATM card only.). I wou...
by cjonblanchard
Mon Jul 01, 2013 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Follow-up to 59 & 76 YOs requesting alloc. & brokerage input
Replies: 4
Views: 482

Follow-up to 59 & 76 YOs requesting alloc. & brokerage input

I posted on 6/22/13 (http://www.bogleheads.org/forum/viewtopic.php?f=1&t=118498) and appreciated the input received. Shared it with my husband, particularly lhl12’s suggestion that we (1) consider as if all IRAs/Roths were my $ and (2) decide the asset allocation as if I were single. Husband agr...
by cjonblanchard
Mon Jul 01, 2013 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Follow-up to 59 & 76 YOs requesting alloc. & brokerage input
Replies: 4
Views: 482

Re: Chicago Meeting #3

Is there interest in continuing these meetings? Please respond within this thread if you would like me to organize another. Thinking it may be nice if someone wanted to volunteer to lead a discussion/present on a specific topic. Thoughts? I'm interested in attending, but am a newbie, so am in no po...
by cjonblanchard
Sun Jun 23, 2013 11:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Chicago Meeting #3
Replies: 21
Views: 2429

Re: 59 & 76 YO couple requesting alloc. & rebalancing input

As an aside, after he's gone it might make sense to include his kids in the conversation a bit, to help them get used to investing as well as budgeting. If it appears likely that they are going to end up with a decent slug of money, only you will be in a position to help educate them about it since...
by cjonblanchard
Sun Jun 23, 2013 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 59 & 76 YO couple requesting alloc. & rebalancing input
Replies: 21
Views: 1079

Re: 59 & 76 YO couple requesting alloc. & rebalancing input

Ok. In that case, I would incorporate only 88% of his $ into your individual long term asset allocation. The question is which 88%. If he is opposed to equities then you could consider the 12% as all coming from his fixed income when the time comes. So, for example, if he were 40% equities and 60% ...
by cjonblanchard
Sun Jun 23, 2013 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: 59 & 76 YO couple requesting alloc. & rebalancing input
Replies: 21
Views: 1079

Re: 59 & 76 YO couple requesting alloc. & rebalancing input

I also agree that you should have everything at Vanguard. Thanks: I was wondering about that, as another commenter felt differently. The cons are that I like the idea of a local office, such as Ameritrade, Charles Schwab, Scottrade, Fidelity, etc., and in surveys Vanguard is rarely listed in the to...
by cjonblanchard
Sun Jun 23, 2013 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 59 & 76 YO couple requesting alloc. & rebalancing input
Replies: 21
Views: 1079

Re: 59 & 76 YO couple requesting alloc. & rebalancing input

2stepsbehind wrote:what happens if you predecease him?


Yes that's right: the language is basically "first to die." So if I die first, his kids will get 12%, the Trust become irrevocable (at 1st person's death), and when he dies, our estate would get distributed to his kids/my siblings.
by cjonblanchard
Sun Jun 23, 2013 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 59 & 76 YO couple requesting alloc. & rebalancing input
Replies: 21
Views: 1079

Re: 59 & 76 YO couple requesting alloc. & rebalancing input

Some rhetorical questions: Who determines the asset allocation of the 88% - you or his kids? Who determines how much of the 88% (and its return) can be paid out to you each year? If he dies in five or ten years, and you live to be 100, you might well need to spend every penny of his 88%. Does the T...
by cjonblanchard
Sat Jun 22, 2013 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 59 & 76 YO couple requesting alloc. & rebalancing input
Replies: 21
Views: 1079

Re: 59 & 76 YO couple requesting alloc. & rebalancing input

According to the Social Security website, you have a life expectancy of 27 more years while your husband has a life expectancy of 11 more years. Actuarially speaking, it is highly unlikely that you will pre-decease him. You haven't said what will happen to his assets upon his death. Will it all go ...
by cjonblanchard
Sat Jun 22, 2013 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: 59 & 76 YO couple requesting alloc. & rebalancing input
Replies: 21
Views: 1079

Re: 59 & 76 YO couple requesting alloc. & rebalancing input

1. Our brokerage accounts are at Scottrade and Vanguard. I'm considering merging them solely into Vanguard. We’d then be “Flagship Services” clients. It bothers me a bit to put most of my eggs into one brokerage basket and I don’t know how others handle this. Thoughts? I'm from the school that woul...
by cjonblanchard
Sat Jun 22, 2013 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: 59 & 76 YO couple requesting alloc. & rebalancing input
Replies: 21
Views: 1079

Re: 59 & 76 YO couple requesting alloc. & rebalancing input

As you suggested the taxable account is the biggest problem possibly needing the biggest changes. In the tax defrred accounts changes are easier in that they have no tax consequences . Are you reinvesting dividends or spending them? Do you have large capital gains on any of the positions? What abou...
by cjonblanchard
Sat Jun 22, 2013 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 59 & 76 YO couple requesting alloc. & rebalancing input
Replies: 21
Views: 1079

Re: 59 & 76 YO couple requesting alloc. & rebalancing input

Sorry, please ignore this box: newbie and still learning how to reply ... got it now!
by cjonblanchard
Sat Jun 22, 2013 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 59 & 76 YO couple requesting alloc. & rebalancing input
Replies: 21
Views: 1079

59 & 76 YO couple requesting alloc. & rebalancing input

Hi, I’m a brand-new Boglehead looking for portfolio advice on how to split things up among our IRAs, Roths, Bank CDs, and work 401K accounts. The work IRA will get a new fund lineup this Monday…fund info appears below. Like many, my husband and I went through a few investment advisors / investment n...
by cjonblanchard
Sat Jun 22, 2013 1:59 am
 
Forum: Investing - Help with Personal Investments
Topic: 59 & 76 YO couple requesting alloc. & rebalancing input
Replies: 21
Views: 1079

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