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Re: Denver area ski in/out lodging?

Recommend visiting this forum http://www.epicski.com you'll get lots of good insight. Its the bogle forum of skiing. If ski in/out is an absolute must you'll probably need to boost that budget. We stay in frisco, 15-30 minutes drive to keystone, breck, copper, vail depending on the resort. The publi...
by lazyfabs
Thu Dec 18, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1271

Re: Reinvest dividends and capital gains?

Thanks for reply. It's was more of advisory ?. The muni fund is fed and state tax free. We don't need the cash right now. We are in a higher tax bracket and use it to offset bond money in tax deferred accounts. We currently don't hold any other funds @ fido in taxable and use this muni w/in fido b/c...
by lazyfabs
Wed Sep 03, 2014 7:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest dividends and capital gains?
Replies: 44
Views: 4239

Re: Reinvest dividends and capital gains?

Would it make a difference if the holdings in taxable is a national and /or state tax free muni mutual fund if it would be better to reinvest or take as cash?

Thanks
by lazyfabs
Wed Sep 03, 2014 4:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest dividends and capital gains?
Replies: 44
Views: 4239

Re: Best time to exercise stock options

thanks all for your replies. to answer some of the ? - options vest over 3 years. we also get rsu's that vest after a year. for the rsu's generally we have liquidated after they vest. we also have espp that we liquidate every year once they hit that long term basis. as for the options are plan has a...
by lazyfabs
Wed Aug 27, 2014 7:00 am
 
Forum: Investing - Theory, News & General
Topic: Best time to exercise stock options
Replies: 10
Views: 909

Best time to exercise stock options

We been accumulating stock options via dw employer. The earliest they will start to expire is 2020. Some have vested others are slowly but sure vesting. We have exercised some vested options to pay for some major home improvements, not plan on exercising any more until right before they expire to un...
by lazyfabs
Tue Aug 26, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Best time to exercise stock options
Replies: 10
Views: 909

Re: Buying a camper

Raid your 401k and buy one of these http://www.earthroamer.com
by lazyfabs
Tue Jul 15, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Buying a camper
Replies: 26
Views: 2835

Re: Too Much in 529's?

Our kids are of similar age and balances at vanguard 529 is about 20k in vanguard 529 each. Our state doesn't offer in state tax benefit. We contribute on monthly basis now and occasional lump sum from grandparent gifts and such. Out of curiosity do you have $ invested in age based type of funds or ...
by lazyfabs
Fri Jun 20, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Too Much in 529's?
Replies: 25
Views: 1784

Re: Paying off HELOC

4.25 on 5th year. five to go. it's pay down now.
by lazyfabs
Fri Apr 11, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off HELOC
Replies: 2
Views: 345

Paying off HELOC

Currently we have a mortgage and a HELOCCurrently on our home. We have been aggressively paying the HELOCCurrently over the last 5 years and should have it paid of in the next ~4 years. Currently we have some stock vested stock options that we could sell and pay into principal about ~75%. This would...
by lazyfabs
Thu Apr 10, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off HELOC
Replies: 2
Views: 345

Vanguard S&P 500 vs Total Stock

Currently we have money in are taxable accounts (savings, brokerage) that we are looking for some thoughts on how to distribute. Want to maintain a 50/50 split for this money. Half of the money is in a savings account for liquidity purposes. The othe half would like put in either Vanguard S&P 50...
by lazyfabs
Thu Apr 10, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard S&P 500 vs Total Stock
Replies: 17
Views: 3141

Fidelity Private Client Gr vs Vanguard Flagship services

We are in apposition that if we consolidated our accounts to either Fidelity or Vanguard we would fall under one of these services plans. Currently we have most of our money with Vanguard and on 401k plus misc at Fidelity. We are also pretty much do it ourselves, index type investors. Since the ince...
by lazyfabs
Fri Mar 21, 2014 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Gr vs Vanguard Flagship services
Replies: 3
Views: 640

Re: Opinions on Volvo V70/XC70

We have a xc70 bought it used 08 couple years ago. It's great in the snow, comfy, quiet, solid car. When asked I like to describe it as a Bradley tank w/ heated leather lazy boys. If we were to do it again I would have looked for the turbo version. I believe it is as heavy or a tad less than the xc9...
by lazyfabs
Wed Aug 14, 2013 11:20 am
 
Forum: Personal Consumer Issues
Topic: Opinions on Volvo V70/XC70
Replies: 24
Views: 1764

Savings/CD rates

What causes savings/interest rates to go up and are there any predictors that they might be going up?

Also, what allows one institution to offer higher rate while oysters don't, i.e. Ally ~.85% vs Wells Fargo ~.1%?

Thanks
by lazyfabs
Thu Jul 18, 2013 8:14 am
 
Forum: Investing - Theory, News & General
Topic: Savings/CD rates
Replies: 4
Views: 564

Re: MUB a decent ETF for Muni exposures

Have you taken into consideration how commissions will affect overall cost by buying mub or other non vanguard etf vs vwitx
by lazyfabs
Tue Jun 25, 2013 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: MUB a decent ETF for Muni exposures
Replies: 5
Views: 792

Re: Designated survivor ?

This thread is now in the Personal Finance (Not Investing) forum (passing funds to a beneficiary). The wiki has some background info. See: Inheriting an IRA Thanks for the link and was able to find additional info on 401k specific options. Whomever came up with the rules for after the fact signific...
by lazyfabs
Fri Jun 21, 2013 7:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Designated survivor ? [Designated beneficiary]
Replies: 5
Views: 501

Re: Designated survivor ?

sorry for the confusion, but this would not be an inherited tax-deferred account. i was referring say if i die what options does the wife have w/ my 401k, trad ira, roth, etc.
by lazyfabs
Thu Jun 20, 2013 7:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Designated survivor ? [Designated beneficiary]
Replies: 5
Views: 501

Designated survivor ? [Designated beneficiary]

If at the time one passes, are the options of how your designated survivor takes the money the same for 401k, Trad IRAs, Roth IRAs. Ex: you die leave 401k to significant other does the proceeds need to be cashed out, pay taxes and then reinvested in taxable account, can or does it need to be rolled ...
by lazyfabs
Thu Jun 20, 2013 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Designated survivor ? [Designated beneficiary]
Replies: 5
Views: 501

wellesley in taxable account

knowing that holding this fund in taxable is not the most tax efficient thing to do, has anyone held it in a taxable account for whatever reason or period of time and regret doing so and why?

thanks
by lazyfabs
Tue Jun 18, 2013 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: wellesley in taxable account
Replies: 1
Views: 472

Re: Prime MM vs Tax-exempt MM

Sidney wrote:Both funds have zero yield. I wouldn't use either one.


we hold etf in our brokerage @ vanguard and have dividends sent to settlement account (only option). we also hold intermediate tax-exempt fund in our taxable account.
by lazyfabs
Mon Jun 17, 2013 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Prime MM vs Tax-exempt MM
Replies: 3
Views: 292

Prime MM vs Tax-exempt MM

We are in the ~28% tax bracket. while not all are cash is w/ vanguard we do have a nice chunk of it sitting in VMMXX (prime mm) fund. does having it in VMSXX (TE MM) make that much of a difference?

Looking at the after tax numbers, though the difference is minimal the TE has eeked out ahead.
by lazyfabs
Mon Jun 17, 2013 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: Prime MM vs Tax-exempt MM
Replies: 3
Views: 292

Re: Wellesley Income

With all due respect, and as someone who has substantial allocation to Wellesley past 7 years or so, and is happy with fund, anyone who watches performance of Wellesley on a daily basis (or even monthly basis) probably should not be in that fund. Not sure what to recommend, maybe money market or CD...
by lazyfabs
Thu Jun 13, 2013 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Wellesley Income
Replies: 16
Views: 1894

Re: Debeers Class Action Lawsuit - Get some money back

link to from the notice, appendix B, that shows how payouts were calculated and link to notice posted on 6/7

https://diamondsclassaction.com

https://diamondsclassaction.com/pdfs/Co ... Notice.pdf
by lazyfabs
Tue Jun 11, 2013 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Debeers Class Action Lawsuit - Get some money back
Replies: 42
Views: 6957

Re: 401k conundrum...

Are you looking for an actively managed or index fund, or don't care? I don't understand why you would look at after-tax performance for a fund which will be forever locked inside a 401k. roymeo i can go either way on the index vs active. most of our funds our index but do have wellesley and wellin...
by lazyfabs
Tue Jun 04, 2013 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k conundrum...
Replies: 6
Views: 606

401k conundrum...

In our 401k the only international fund offered is Dodge & Cox International Institutional (DODFX). After researching, etc. pretty solid fund. Starting next month they will also be offering Vanguard FTSE All-World ex-US Fund Admiral Shares (VFWAX). In comparing both funds DODFX has performed bet...
by lazyfabs
Tue Jun 04, 2013 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k conundrum...
Replies: 6
Views: 606

Re: Ratio to recreate TSM

Thanks for the replies and confirmation. I looked at how we had set up the split and had it at 75/25 ratio many moons ago.
by lazyfabs
Tue Jun 04, 2013 11:14 am
 
Forum: Investing - Theory, News & General
Topic: Ratio to recreate TSM
Replies: 5
Views: 356

Ratio to recreate TSM

In our 401k we have Spartan S&P (FXSIX) and Spartan Entended Market (FSEVX) as stock options. What would be the right ratio using these two funds to most closely recreate TSM?

Thanks
by lazyfabs
Tue Jun 04, 2013 8:46 am
 
Forum: Investing - Theory, News & General
Topic: Ratio to recreate TSM
Replies: 5
Views: 356

Re: TSP G fund as only bond fund

If holding bonds only w/in TSP, would it be 'better' to split it in some way shape or form b/w F and G to capture a broader spectrum of the bond world?
by lazyfabs
Tue Jun 04, 2013 7:55 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP G fund as only bond fund
Replies: 57
Views: 4646

Re: Selling NQ Stock Options & Tax Brackets

Are there any pros or cons in selling the all the restricted stock and taking the short term capital gains tax hit on the $3000 vs keeping the stock options longer and divesting closer to the expiration date?
by lazyfabs
Tue May 14, 2013 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling NQ Stock Options & Tax Brackets
Replies: 30
Views: 1225

Re: Breckenridge, CO

last year we did the tubbing in frisco. any experience w/ the dog sledding tours and if so appropriate for a 3.5 yo? she would be of age to participate.

@flobes: thanks the the tips. we basically duct tape a water bottle once we clear customs.

thanks for suggestions already provided.
by lazyfabs
Mon Feb 25, 2013 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Breckenridge, CO
Replies: 5
Views: 783

Breckenridge, CO

Any recommendations of things to do with a 3.5 and 5 year old skiers while in Breckenridge. They will spend lot of time in ski school, just looking for ideas outside ski school, be either w/ or w/o skis on.

Thanks and happy skiing
by lazyfabs
Sun Feb 24, 2013 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Breckenridge, CO
Replies: 5
Views: 783

Re: Anyone else holding Wellington/Wellesley in taxable?

Like others we have Wellesley in taxable just because we have had it for a while. Currently we hold 1/3 in Wellesley, 1/3 Consumer Staples ETF (VDC), and 1/3 in cash. Comes out to roughly a 50/50 split invested in a conservative and defensive manner. Figure people are not going to stop eating, drink...
by lazyfabs
Thu Jan 24, 2013 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else holding Wellington/Wellesley in taxable?
Replies: 19
Views: 2379

Re: Is Preschool worth it? for $5,000?

One way a parent prepares a child for later success and simultaneously supports the teacher is by being enthusiastic about school. What did you do at school? Really, that sounds very interesting. Did you get to do it yourself? You can help your child learn to love learning no matter where it occurs...
by lazyfabs
Thu Jan 17, 2013 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Preschool worth it? for $5,000?
Replies: 50
Views: 4175

Tax-Managed Balance Fund vs others

In a taxable account account is it more tax efficient to put money in the Tax-Managed Balance Fund or create ones own via use of the 50% Total Stock Market or 500 S&P and 50% Intermediate Tax-Exempt Fund? Aloso, is there a $ amount that it would make a difference for using one version or another...
by lazyfabs
Sat Dec 22, 2012 7:15 pm
 
Forum: Investing - Theory, News & General
Topic: Tax-Managed Balance Fund vs others
Replies: 3
Views: 388

Vail Resorts Stock (MTN)

Out of curiousity, does anyone know if you get any sort of benefits, i.e. discounts, occasional coupons, etc., for being a stock holder if one uses any of the resort and/or service they own? Purpose of even thinking of investing in this stock (~$500 play money) is to get a discount on tickets, class...
by lazyfabs
Sat Dec 15, 2012 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Vail Resorts Stock (MTN)
Replies: 0
Views: 202

Re: Fess up, Bogleheads - what is your portfolio?

Somewhere in the range of the following.

25% TSM
15% TI
10% REIT

25% TB
15% TIP
by lazyfabs
Sat Nov 10, 2012 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: Fess up, Bogleheads - what is your portfolio?
Replies: 78
Views: 7061

Re: Asset allocation- just retired at 50

Well I have 1.4 m in taxable 600k in equities and 800K in short and intermediate muni funds. I also have a year of withdrawals in a savings account. I also have 1.8 m in retirement accounts At 2.5% w/d rate should give ~80k/yr for 40yrs. Throw in kids(?), house(?), significant other (?), insurance ...
by lazyfabs
Tue Oct 09, 2012 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation- just retired at 50
Replies: 26
Views: 3760

Re: Jamaica Vacation - Any tips?

went there for our honeymoon, would not go again. as some have stated, venturing outside resort is blah and dicey at best. brother had to go there a lot for business and i never heard him say anything good about his trips and he was usually stayed at some posh hotels.

go somewhere else.
by lazyfabs
Sat Oct 06, 2012 6:38 pm
 
Forum: Personal Consumer Issues
Topic: Jamaica Vacation - Any tips?
Replies: 74
Views: 4503

Re: 4% SWR on day of retirement...

... I feel more and more that Taylor Larimore is profoundly right in his posting on Safe Withdrawal Rates ? Complexity vs. Simplicity : " We simply withdrew what we needed and kept an eye on our portfolio balance. Most years our balance went up and we spent the money on vacations, luxuries and...
by lazyfabs
Sat Jul 28, 2012 9:02 am
 
Forum: Investing - Theory, News & General
Topic: 4% SWR on day of retirement...
Replies: 74
Views: 7377

Re: Where do you put REIT -.-?

Not in taxable, REITs are very tax ineffecient

Read the Wiki about placements here http://www.bogleheads.org/wiki/Principl ... _Placement
by lazyfabs
Fri Jul 27, 2012 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do you put REIT -.-?
Replies: 27
Views: 3565

Re: talk me out of buying an individual stock (Facebook)

The value of Facebook CEO Mark Zuckerberg's stake in the company he founded has plunged $7.2 billion since its initial public offering. Zuckerberg was worth $19.1 billion, based on the IPO price of $38 a share back in May. He sold 30 million shares on the stock's debut day in order to raise cash to...
by lazyfabs
Fri Jul 27, 2012 10:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: talk me out of buying an individual stock (Facebook)
Replies: 109
Views: 14217

Re: Short TIPS Index Fund

If one was using the short or limited term bond find in taxable in lieu of say cd ladder or similar, would this new short term tip fund be a good choice to use instead of say the limited or short term bond fund given what it invest in?
by lazyfabs
Tue Jul 24, 2012 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short TIPS Index Fund
Replies: 35
Views: 5474

Re: New Vanguardfund

Thanks didn't see that.

Moderators can delete or lock if need be.
by lazyfabs
Tue Jul 24, 2012 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: New Vanguardfund
Replies: 4
Views: 1039

New Vanguardfund

https://personal.vanguard.com/us/insights/article/fund-announcement-07242012 If one was using the short or limited term bond find in taxable in lieu of say cd ladder or similar, would this new short term tip fund be a good choice to use instead of say the limited or short term bond fund given what i...
by lazyfabs
Tue Jul 24, 2012 5:36 pm
 
Forum: Investing - Theory, News & General
Topic: New Vanguardfund
Replies: 4
Views: 1039

Re: Total bond market Is this enough?

We have it set with 2/3 intermediate bond, 1/3 tip.

Intermediate bond is split 50/50 corp and non-corp. this way we have 1/3 of bond allocation in each of the different major bond worlds.
by lazyfabs
Tue Jul 24, 2012 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total bond market Is this enough?
Replies: 18
Views: 2794

Re: Post your AA

Your format:
Age: just about right
35% Aggregate US Equities (sans REIT)
10% Aggregate US REIT
15% Aggregate Intl Equities (sans REIT)
0% Aggregate Intl REIT
25% Aggregate Nominal Bonds
15% Aggregate Inflation Bonds
0% Any Sector or Commodity plays
by lazyfabs
Wed Jul 11, 2012 9:14 am
 
Forum: Investing - Theory, News & General
Topic: Post your AA
Replies: 135
Views: 16263

Re: UGMA/UTMA thoughts

You can use the money to pay for things that you, as a parent, are not required to pay for. In other words, you can't fund a UGMA, get the tax break, and then use the money to buy groceries for your child. Keith - I could be wrong, but that is not my understanding. It is my understanding that the p...
by lazyfabs
Mon Jul 09, 2012 6:23 pm
 
Forum: Investing - Theory, News & General
Topic: UGMA/UTMA thoughts
Replies: 27
Views: 2046

Re: UGMA/UTMA thoughts

I opened a UGTMA for my child for college funding That's the wrong way to think about a UTMA, as you discovered. A UTMA is to hold your child's money. You can't force your child at 18 to spend it on college. You should think of a UTMA as one way a child can hold and invest his money until age 18 wi...
by lazyfabs
Mon Jul 09, 2012 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: UGMA/UTMA thoughts
Replies: 27
Views: 2046

Re: UGMA/UTMA thoughts

Child (Sole) — This option grants your child sole access to make deposits and withdrawals as well as the option to have an ATM Card. Wells Fargo Online® Banking access is available when your child reaches age 13. long way until they turn 18, but sure it will come to quickly for all reason beyond th...
by lazyfabs
Mon Jul 09, 2012 10:13 am
 
Forum: Investing - Theory, News & General
Topic: UGMA/UTMA thoughts
Replies: 27
Views: 2046
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