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Love our heated floors. One of the top ten things I have ever purchased in my life.

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...

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

viewtopic.php?f=1&t=112053

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...

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.

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...

Trade things with friends & family. Mostly kids toys, kids/adult clothes, books.
Play/exercise outside.

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...

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...

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.

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...

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...

Yes we are in the 33% marginal bracket, I am quite sure.

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...

Thanks for the replies! Great advice. I have edited the post to add more detailed portfolio information.

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...

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...

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...

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...

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.

sorry I meant to write Vanguard total stock market index admiral shares, not VTIAX.

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...