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Re: VPW spreadsheet questions

Thank you for your response longinvest. Actually, I think I misled you -- much of the ROTH is in VTINX, which is mostly bonds. But I appreciate your comments. I suppose I might eventually move the entire ROTH to VTINX or something similar, but probably not for at least 10 years. Thanks again, I thin...
by dblck
Thu Jul 24, 2014 11:26 pm
 
Forum: Investing - Theory, News & General
Topic: VPW spreadsheet questions
Replies: 2
Views: 402

VPW spreadsheet questions

Hello, Thank you for the VPW spreadsheet -- I found it useful for confirming the possible outcomes of my own simple withdrawal plans. I think I get the gist of it, but I confess I am too lazy to explore it deeply. So, a couple of questions: 1) I see the VPW spreadsheet was recently updated. If I wer...
by dblck
Thu Jul 24, 2014 4:15 pm
 
Forum: Investing - Theory, News & General
Topic: VPW spreadsheet questions
Replies: 2
Views: 402

Re: how to find an architect

Hi, Here is a link to a great book if you have not used a contractor to build something major before. It has a chapter on architects that we found useful. http://www.amazon.com/What-Your-Contractor-Cant-Tell/dp/0979983800/ref=sr_1_1?s=books&ie=UTF8&qid=1393456428&sr=1-1&keywords=what...
by dblck
Wed Feb 26, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: how to find an architect
Replies: 17
Views: 933

Re: Who is lump-summing a fund on January 2, 2014?

Last Friday we converted $19k to our Vanguard ROTH -- sent it to the money market fund. Now I need to put this into an index or target fund. My investment plan calls for an increase in international equities. But as I consider lump sum investing this into VTIAX, I am nervous that the NAV is high. Th...
by dblck
Wed Jan 01, 2014 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: Who is lump-summing a fund on January 2, 2014?
Replies: 49
Views: 4497

Re: Ground Source Heat Pumps?

Hi, We put in a geo-exchange ground loop system when we built our house in 2009. We love it. We are in Colorado, so I don't know how my experience translates to NJ. But a couple of things to note: 1) The house must be well insulated for it to be cost effective. 2) The size of the geo-exchange loop i...
by dblck
Wed Jul 17, 2013 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Ground Source Heat Pumps?
Replies: 19
Views: 1212

Re: RMD from TSP

Victoria, Regarding your question about sending the hypothetical $25 to your IRA account yourself and calling it a rollover, I think you could, but you can only do this once a year, I believe. (Edit -- maybe this is only for Roth conversion) Regarding changing from non qualified to qualified during ...
by dblck
Wed Apr 24, 2013 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD from TSP
Replies: 48
Views: 1529

Re: RMD from TSP

I am having TSP send a monthly amount to my Vanguard rollover IRA. No taxes are withheld, and none due. I do not need RMDs yet. It took me a long time to figure this out, but I did encounter a very helpful TSP rep. The trick to having a rollover distribution is that it must be a full withdrawal, and...
by dblck
Wed Apr 24, 2013 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD from TSP
Replies: 48
Views: 1529

Re: Medallion signature guarantee - is this requirement comm

Thank you for relating your experiences. I am more comfortable and less comfortable about it at the same time. I live in the "sticks" so I may have to travel hundreds of miles to get to the main bank (that will work although my account is at the branch, right?) I also see major problems ah...
by dblck
Sun Mar 10, 2013 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medallion signature guarantee - is this requirement common?
Replies: 101
Views: 13086

Re: Medallion signature guarantee - is this requirement comm

Thank you for your replies. The link to BankersOnline was informative. I can see why banks don't want to bother with it, but it is very inconvenient to change banks just for this service. Furthermore, I am certainly not transferring even close to $100K. Does anyone have an idea regarding how common ...
by dblck
Sun Mar 10, 2013 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medallion signature guarantee - is this requirement common?
Replies: 101
Views: 13086

Medallion signature guarantee - is this requirement common?

Hello, I am a first time poster. I would like to sell a Tweedy Browne Roth IRA mutual fund and transfer the proceeds into my Vanguard Roth IRA (to purchase a different fund), but discovered I must make the request to TB with a Medallion guaranteed signature. About a year ago I obtained such a guaran...
by dblck
Sun Mar 10, 2013 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medallion signature guarantee - is this requirement common?
Replies: 101
Views: 13086

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