Search found 35 matches

Return to advanced search

Re: New Tablet

Nexus 7!
by mildred66
Sat Oct 19, 2013 1:19 am
 
Forum: Personal Consumer Issues
Topic: New Tablet
Replies: 20
Views: 1837

Help rebalancing after liquidating taxable

Hi Bogleheads, We recently liquidated our taxable account in preparation for a major purchase in the next year. I need some advice on how to rebalance across our other accounts to maximize tax efficiency. Desired Asset allocation: 82% stocks / 18% bonds Desired International allocation: 30% of stock...
by mildred66
Sat Oct 12, 2013 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help rebalancing after liquidating taxable
Replies: 4
Views: 466

Re: Recommend a cheap, small tablet?

+1 for Nexus 7. So great for travel. Awesome battery life.
by mildred66
Sun Oct 06, 2013 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a cheap, small tablet?
Replies: 40
Views: 4120

Re: Windfall - What Do I Do

Congrats on knocking off the private loan!! Feels good right?
by mildred66
Sun Jul 28, 2013 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Windfall - What Do I Do
Replies: 44
Views: 4871

Re: What are you seeing in your Local Housing Market?

It's interesting to hear about similar patterns in so many cities. I thought Silicon Valley's mid-Peninsula was just crazy: ⋅  Super low inventory, but some suggest that is improving. Source ⋅  Prices have sky-rocketed, even in the last few months. Source ⋅  Many homes ...
by mildred66
Sun Jul 07, 2013 6:18 pm
 
Forum: Personal Consumer Issues
Topic: What are you seeing in your Local Housing Market?
Replies: 82
Views: 5915

Re: Buying versus renting; Trulia says buying is 44% cheaper

It seems one key factor is the assumed price appreciation across all scenarios (and varying by metro area). This is their example in the Detailed Methodology section: In the Seattle example, the upfront costs include a $54,193 downpayment and $10,839 in closing costs – which are 20% and 4%, respecti...
by mildred66
Sun Mar 31, 2013 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying versus renting; Trulia says buying is 44% cheaper
Replies: 37
Views: 3399

Re: I hit my number today.

Congratz!
by mildred66
Thu Mar 07, 2013 2:57 am
 
Forum: Investing - Theory, News & General
Topic: I hit my number today.
Replies: 74
Views: 7327

Re: Best place to keep emergency funds

This question comes up a lot and common themes I've observed are: ⋅  High-Interest Savings and/or CDs (high liquidity for Savings, even if interest is low) ⋅  I-Bonds (stuck for one year, then inflation-protected) ⋅  Roth IRAs (since contributions can be withdrawn tax-f...
by mildred66
Sun Feb 24, 2013 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best place to keep emergency funds
Replies: 10
Views: 1584

Re: Paid off the mortgage on Friday!

Congrats! :beer
by mildred66
Sun Feb 24, 2013 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off the mortgage on Friday!
Replies: 38
Views: 3420

Re: Post your Morningstar X-Ray Style Box

I'm pretty much an 80/20 Core Four portfolio using all Total Market MFs.

Image
by mildred66
Sun Feb 24, 2013 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Post your Morningstar X-Ray Style Box
Replies: 71
Views: 3339

Should I recharacterize since I'm not contributing to IRA?

In 2012, I converted my Traditional IRA to Roth. My contributions to the Traditional were no longer tax deductible and I figured I could do the backdoor Roth. However, I am not going to contribute to my IRA in 2012 or 2013. Should I recharacterize and wait until I can contribute, putting off the tax...
by mildred66
Sun Feb 24, 2013 1:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I recharacterize since I'm not contributing to IRA?
Replies: 2
Views: 222

Re: Personal finances for 3 months in Paris

On the insurance front, you might want to grab some international travel insurance from STA . Less than $300 for three months and covers lots of things, including health. http://www.statravel.com/international-travel-insurance.htm I broke my leg while backpacking Europe and the travel insurance took...
by mildred66
Sun Jan 06, 2013 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal finances for 3 months in Paris
Replies: 15
Views: 1200

Re: Specs for a Portable Laptop these days?

I would definitely consider a tablet if you primarily surf, email and do media things (watch movies, read books, audio books etc.). I no longer need to travel with a laptop. If you really want a laptop, I'd vote macbook air. Super light and Mac has a great user experience. I switched from PC years a...
by mildred66
Sat Jan 05, 2013 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Specs for a Portable Laptop these days?
Replies: 36
Views: 2796

Re: Doing your taxes yourself vs. w/ a CPA: a test run

+1 on Tax Act, which you can do online without needing software. It also saves key info from previous return (they all do) so the next year makes things much faster. It even made three state returns pretty painless :) Some comments talked about CPAs giving good general tax advice. Do those who use C...
by mildred66
Sat Jan 05, 2013 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doing your taxes yourself vs. w/ a CPA: a test run
Replies: 42
Views: 4802

Re: If you had a windfall, would you pay off a loan with 2.5

Thanks for all the thoughtful responses everyone! Really helpful.
by mildred66
Mon Dec 24, 2012 11:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you had a windfall, would you pay off a loan with 2.5% in
Replies: 34
Views: 2856

Re: Need Bourbon Advice

exoilman, this article is worth reading: 52 Year Old Bourbon? . Note that in the comments someone mentions a 60-year-old Fitzgerald and to sell it as treasure! I echo the others in that you should try a couple other bourbons first. A $20 bottle of Maker's Mark, or see if you can find a local tasting .
by mildred66
Sun Dec 23, 2012 11:35 pm
 
Forum: Personal Consumer Issues
Topic: Need Bourbon Advice
Replies: 45
Views: 6062

If you had a windfall, would you pay off a loan with 2.5% in

Hi all, I'm getting a windfall next year that would pay off all my student loans, which are at 2.5% interest. I've heard arguments that this rate is so low, I should pay it off as slowly as possible (e.g., inflation), and invest the windfall somewhere else. I've read through the Paying_down_loans_ve...
by mildred66
Sat Dec 22, 2012 2:58 am
 
Forum: Personal Finance (Not Investing)
Topic: If you had a windfall, would you pay off a loan with 2.5% in
Replies: 34
Views: 2856

Re: How to get email to use gmail and not outlook?

Here is a link to a discussion forum on this issues.

One ideas is to change preferences in Outlook (make it NOT the default email client):

How do I change the mailto in Chrome?
http://productforums.google.com/forum/# ... ngTaedzxWc
by mildred66
Fri Dec 14, 2012 4:33 pm
 
Forum: Personal Consumer Issues
Topic: How to get email to use gmail and not outlook?
Replies: 35
Views: 2369

Re: Which? Kindle Fire HD or Nexus 7 for 8 yr. old

+1 on Nexus 7. Loving mine!
by mildred66
Sun Dec 02, 2012 3:03 am
 
Forum: Personal Consumer Issues
Topic: Which? Kindle Fire HD or Nexus 7 for 8 yr. old
Replies: 22
Views: 2616

Re: Planning for home purchase and college

I live in a high-priced area as well, and sometimes wonder if I'll ever be able to afford a nice home. But right now, I am able to rent the lifestyle I can't afford to buy. I live in a great neighborhood, where I would have to pay 1.6x my rent for a mortgage on the same house . So I'm with the other...
by mildred66
Fri Oct 26, 2012 12:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Planning for home purchase and college
Replies: 14
Views: 777

Re: Portfolio Review

Great, thanks for the suggestions!
by mildred66
Mon Oct 01, 2012 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 6
Views: 554

Re: Portfolio Review

Good catch, letsgobobby. I edited my OP to show it's Admiral, not Institutional.
by mildred66
Sun Sep 30, 2012 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 6
Views: 554

Re: Tax Efficient Fund Placement for REITs?

That's a good point. I guess I'm less concerned about big swings in the Roth since I'm a long ways from retirement. I like your suggestion about the Bond placement. It inspired me to post my overall portfolio choices for guidance from you and the other fine people here! So thanks! http://www.boglehe...
by mildred66
Sun Sep 30, 2012 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Fund Placement for REITs?
Replies: 3
Views: 576

Portfolio Review

First of all, I want to thank everyone on this forum for teaching me so much about investing! I have been following a Boglehead-inspired portfolio design for a couple years now, but I think I’m ready for a review! I also cross-posted about REIT placement and livesoft 's response got me thinking: Eme...
by mildred66
Sun Sep 30, 2012 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 6
Views: 554

Tax Efficient Fund Placement for REITs?

I'm planning to rebalance soon and wondering if I've got the best tax efficient placement going on. His and Her Roth IRAs: Total Bond (100%) His 401k: REIT Fund (7%); Total Bond (26%), Total Intl (22%); Total Stock (44%). Is it better to have the REIT Fund in a Roth IRA , or does it matter? Thanks!
by mildred66
Sun Sep 30, 2012 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Fund Placement for REITs?
Replies: 3
Views: 576

Re: Ally CDs rates going up within 4 years?

If you are looking at a 4+ year horizon, why not go with an I-Bond ? I=Bonds are inflation-protected, and offer no penalties for withdrawals after five years (and only three month's earnings after one year. Other pros from an article on Motley Fool : * I Bonds are backed by the full faith and credit...
by mildred66
Sun Jul 08, 2012 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ally CDs rates going up within 4 years?
Replies: 32
Views: 2791

Re: Replacement for Quicken

Quicken has a mac version called Quicken Essentials for Mac for $40. It is not as fully-featured as the PC-version (for example, it doesn't have check writing functionality or advanced investment tracking), but it does link to most online accounts for tracking your checking, savings, credit cards an...
by mildred66
Sun Jul 08, 2012 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Quicken
Replies: 28
Views: 2437

Rolling an IRA into a 401k count towards contribution limit?

I was reading a Forbes article on backdoor IRAs , which suggests that some employer-sponsored 401ks allow you to "roll-in" a traditional IRA into the 401k. This lets you clear out before opening a new nondeductible IRA to do a backdoor. Does the roll-in count towards the 16,500 (or 17,000 ...
by mildred66
Fri Jul 06, 2012 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rolling an IRA into a 401k count towards contribution limit?
Replies: 1
Views: 193

Re: The World of Finance Simplified?

Khan Academy is awesome! The founder (Salman Khan) was an investment banker who left to try and improve the education system by making it free to anyone in the world. He actually teaches a lot of the courses.

http://en.wikipedia.org/wiki/Khan_Academy
by mildred66
Wed Mar 14, 2012 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: The World of Finance Simplified?
Replies: 5
Views: 761

Re: Where to put savings for life goals?

+1. Savings offers safety and liquidity. Getting money into your Roth as soon as possible will pay more in the long run.
by mildred66
Sat Mar 10, 2012 1:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Where to put savings for life goals?
Replies: 4
Views: 645

Thanks for the advice!
by mildred66
Fri Sep 16, 2011 11:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay 5% student loan?
Replies: 5
Views: 701

Pay 5% student loan?

First off, I have been reading this Bogleheads forum for a few months now and have learned so much! Thanks for all your contributions to this community! I am about to receive a small windfall and wondering if I should pay off my highest student loan, of around 8k and with a 5% interest rate. The bul...
by mildred66
Fri Sep 16, 2011 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay 5% student loan?
Replies: 5
Views: 701

Return to advanced search