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Re: Need advice on which tablet to buy

Thanks for all the responses. In response to what is driving the need for a new device , nothing urgent, but: 1. Ipad won't run ios7 which many apps I like seem to need 2. Chrome browser and other apps frequently crash on current ios (not sure which one, i think maybe 5.1) But, maybe I should just s...
by investingholder
Fri Sep 12, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2750

Need advice on which tablet to buy

I have looked at a few previous threads but didn't see anything recent on this. Looking to buy a new tablet. I have the original iPad but having trouble bringing myself to spend much for a new ipad. I use the tablet mostly for: reading web browsing video streaming (mostly Amazon Prime) some children...
by investingholder
Fri Sep 12, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2750

Re: taxes done and…why is my spouse working?

I always wonder why, hen people do these calculations "taking into account child-care" - they are only including one spouse as paying for the child care? (Or are you OP?) I suppose it makes some logical sense, but shouldn't you consider perhaps half that expense as coming from your salary?...
by investingholder
Thu Feb 20, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: taxes done and…why is my spouse working?
Replies: 90
Views: 9240

Re: AT&T Mobile Users: Check your plans

I just wanted to say thank you to the OP. I changed our plan and we are saving a bit money for more data and text, and more importantly - no longer on contract.
by investingholder
Wed Feb 12, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 63
Views: 8712

Calculator for evaluating early retirement of one spouse

This is probably a really dumb question, but I am trying to calculate the effect of having one spouse early retire/stay at home for an indefinite period/reduce salary greatly for a period. I'm using firecalc, but not figuring out how to use to do these calculations. I'm sure I am just missing someth...
by investingholder
Thu Nov 21, 2013 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Calculator for evaluating early retirement of one spouse
Replies: 4
Views: 497

Re: Feeling less than Successful lately

Recent blog post - addresses some of your issues.

http://www.thesimpledollar.com/presence-not-presents/
by investingholder
Mon Nov 11, 2013 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Feeling less than Successful lately
Replies: 58
Views: 6208

Re: Home Affordability - Your Rules of Thumb May Help Us

In The Milionaire Next Door book the authors recommend that if you want to become wealthy do not buy a home if the mortgage is more than two times your realized income.
by investingholder
Tue Aug 27, 2013 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Affordability - Your Rules of Thumb May Help Us
Replies: 34
Views: 3069

Re: "Helping" kids out...well, some of them.

This is actually quite common, according to the book The Millionaire Next Door. Wealthy parents tend to subsidize their least successful children. Once I read this it helped me to understand my own family situation, which is similar to the one the OP describes. I understand how this situation feels...
by investingholder
Mon Jul 22, 2013 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: "Helping" kids out...well, some of them.
Replies: 58
Views: 6384

Re: If you had a chance to remodel bath......

Love our heated floors. One of the top ten things I have ever purchased in my life.
by investingholder
Wed Apr 24, 2013 3:20 pm
 
Forum: Personal Consumer Issues
Topic: If you had a chance to remodel bath......
Replies: 27
Views: 2332

Re: Help with Asset Allocation

Thanks again for all of your help with my portfolio. I decided on a 70/30 ratio and I feel comfortable with that. I sold some of the balanced/managed funds (the Hartford Balanced Income, Lord Abbot Fixed Income, and Loomis) and bought more of the franklin municipal bond (VA), VTI, and Vanguard Total...
by investingholder
Mon Apr 01, 2013 8:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation
Replies: 32
Views: 1631

Re: Best place to put infant's money

I had a similar question recently. Here is the thread. Hope it helps.

viewtopic.php?f=1&t=112053
by investingholder
Mon Mar 18, 2013 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best place to put infant's money
Replies: 14
Views: 2321

Re: 529 vs UTMA vs. Other?

Thanks for all the feedback. I decided to put half in the VA 529 and half in a UTMA account at Vanguard (Life Strategy Growth fund). My thoughts are that if as we approach 18 we feel our daughter is not able to know/handle the money we could establish a trust at that point or spend the money as live...
by investingholder
Wed Mar 13, 2013 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 vs UTMA vs. Other?
Replies: 13
Views: 1318

Re: 529 vs UTMA vs. Other?

Good points. Thanks. I felt so bad about this I looked at the account again and it is a custodial account in her name. So I guess it is what is called a UTMA account. Now I feel slightly better even though I need to move it to a better investment.
by investingholder
Sat Mar 02, 2013 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 vs UTMA vs. Other?
Replies: 13
Views: 1318

529 vs UTMA vs. Other?

I have appreciated the advice on our retirement assets so much. Thread is here. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=111365 Another question for you all. A good problem to have. Our firstborn received a large set of gifts in 2008-09 due to various relatives (in part trying to redu...
by investingholder
Sat Mar 02, 2013 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 vs UTMA vs. Other?
Replies: 13
Views: 1318

Re: What's your favorite frugal thing(s) to do?

Trade things with friends & family. Mostly kids toys, kids/adult clothes, books.
Play/exercise outside.
by investingholder
Wed Feb 27, 2013 3:02 pm
 
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 500
Views: 97475

Re: Help with Asset Allocation

First of all thank you so much for taking the time to go through all of this. I am considering your suggestions and will try to reply once I have decided what to do (in the new few weeks if not sooner). Do you want to end up with only a handful of holdings or is a bunch of different holdings OK with...
by investingholder
Fri Feb 22, 2013 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation
Replies: 32
Views: 1631

Re: Help with Asset Allocation

I am undecided about trying to roll these IRAs into 401ks. I thought you said ROTH might not be a great option at the 33% tax bracket. I agree, which is (partly) why we haven't been doing backdoor ROTH the other reason being the existence of the tIRAs. [EDIT: How hard is it to roll an IRA into a 401...
by investingholder
Wed Feb 20, 2013 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation
Replies: 32
Views: 1631

Re: Help with Asset Allocation

Thanks again for all these suggestions. I edited the original post to show the "his 401/403" fund options. I can do the same for hers if that needs fixing, but I like the target 2045 fund.
by investingholder
Wed Feb 20, 2013 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation
Replies: 32
Views: 1631

Re: Help with Asset Allocation

Asset Allocation: You are young, you already have over $1 million in savings, and you have a high income. To me that signals a low need for risk. There is also a tone of "don't want to do something stupid and lose this good fortune" in your post. From these things, it sounds to me like yo...
by investingholder
Wed Feb 20, 2013 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation
Replies: 32
Views: 1631

Re: Help with Asset Allocation

Yes I was calculating the savings rate based on our net salaries. I am not sure that our tax bracket or our savings rate really matters for purposes of my real question which is about AA (or does it?), but good to think about nonetheless...I am also not including investment income as "income&qu...
by investingholder
Wed Feb 20, 2013 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation
Replies: 32
Views: 1631

Re: Help with Asset Allocation

Yes we are in the 33% marginal bracket, I am quite sure.
by investingholder
Wed Feb 20, 2013 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation
Replies: 32
Views: 1631

Re: Help with Asset Allocation

Thank you. Yes most of the taxable that you see which is not Vanguard, was inherited. The good news is that it was relatively recent ~ 3 years so not huge cap gains and certainly not on the bonds....Yes they were designed by a financial advisor charging 1% who I fired when I got a grip on the amount...
by investingholder
Tue Feb 19, 2013 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation
Replies: 32
Views: 1631

Re: Help with Asset Allocation

Thanks for the replies! Great advice. I have edited the post to add more detailed portfolio information.
by investingholder
Tue Feb 19, 2013 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation
Replies: 32
Views: 1631

Help with Asset Allocation

I am going around and around in circles trying to decide on an general asset allocation strategy for my family. I have read a lot, but could use some more recommendations. Thank you for the responses so far. I have edited this post to add the portfolio information. [EDITED TO ADD PORTFOLIO INFORMATI...
by investingholder
Tue Feb 19, 2013 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation
Replies: 32
Views: 1631

Re: Expense Ratios/Management Fees?

Thank you. Yes I got a step up basis, however I inherited them a few years ago and have not been paying enough attention since then. Long-term Capital Gains are not that high, yet at least for the FRIAX I am not sure it is worth it to sell even with the reduced ER in another Vanguard fund. I am usin...
by investingholder
Wed Feb 13, 2013 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratios/Management Fees?
Replies: 3
Views: 558

Re: Unexpected lawyer fees

This is correct "I believe that in most, if not all states, lawyers are required to have a written fee agreement with the client, explaining how the lawyer's fees will be charged." Is this the entire portion of the contract that discusses fees? Is there any mention of an "hourly fee&q...
by investingholder
Tue Feb 12, 2013 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unexpected lawyer fees [Immigration Attorney]
Replies: 39
Views: 2202

Expense Ratios/Management Fees?

Does a fund's net expense ratio capture all management/share costs associated with the fund? (Not including turnover costs). For example in FRIAX the ER is listed as .49%. I'm sorry if this question is already on the forums or internet, but I haven't been able to easily find the answer. I am doing a...
by investingholder
Tue Feb 12, 2013 3:56 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratios/Management Fees?
Replies: 3
Views: 558

Re: Help: Cap gain with coversion and tax implications of VT

Thank you for the responses. I appreciate the advice. Because the portfolio is only about 10 percent if liquid assets I may leave most of it alone but will have to think about it more.
by investingholder
Sun Jan 27, 2013 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help: Cap gain with coversion and tax implications of VTIVX
Replies: 4
Views: 418

Re: Help: Cap gain with coversion and tax implications of VT

sorry I meant to write Vanguard total stock market index admiral shares, not VTIAX.
by investingholder
Sat Jan 26, 2013 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help: Cap gain with coversion and tax implications of VTIVX
Replies: 4
Views: 418

Help: Cap gain with coversion and tax implications of VTIVX

I'm new to the forum. I have two separate but perhaps related questions. I am a 33 year old with a taxable portfolio question. I can post my entire portfolio of tax advantaged and taxable it it is helpful. But my overall asset allocation is approximately how I would like it to be, I just want to con...
by investingholder
Sat Jan 26, 2013 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help: Cap gain with coversion and tax implications of VTIVX
Replies: 4
Views: 418

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