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Re: Guidance in choosing an institutional Trustee

OP, you mean your child is on Medicaid, not Medicare, right? If so, the trust needs to be a special needs trust or he will lose eligibility for Medicaid. No, he is on Medicare. He draws Social Security Disability on his father's earning record. Therefore he qualifies for Medicare but not Medicaid.
by monicafaye
Sun Dec 30, 2012 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guidance in choosing an institutional Trustee
Replies: 12
Views: 1071

Guidance in choosing an institutional Trustee

I have a 22 year old son with special needs who works part-time and receives Social Security Disability and Medicare. He is high-functioning and should, in the next few years, be able to live independently with support. My will leaves money to him in a trust after my death. The money is invested in ...
by monicafaye
Sat Dec 29, 2012 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guidance in choosing an institutional Trustee
Replies: 12
Views: 1071

There is a missed opportunity here, and it's the time value of money. Larry Swedroe gives a good example in his books. Save $5000 a year from age 25-35 and never save another dollar; or save $5000 a year from age 35-65. Earn 10% per year. Who has more money at age 65? You have no expenses and few n...
by monicafaye
Sat Jan 15, 2011 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much is too much?
Replies: 86
Views: 8062

Help with Asset Allocation for Special Needs Adult

Which AA would be best for an adult with intellectual disabilities who wants to learn about investing in order to become as independent as possible in the future? I believe he can master this with supervision. 70% VTWSX-Van. Total World Stock Index 30% VBMFX-Van. Total Bond Market Index vs. 45% VTSM...
by monicafaye
Sun Dec 19, 2010 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation for Special Needs Adult
Replies: 2
Views: 314

I also have to voice my appreciation for your generosity in offering sage advice from the goodness in your heart to countless people. You are the calm voice amid the cacophony of investing noise. I rarely post, but frequently read and am eternally grateful for this forum and fine gentlemen like you ...
by monicafaye
Fri Oct 15, 2010 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Taylor
Replies: 138
Views: 19110

Becoming a landlord

My husband and I have owned single family rentals for 19 years and it is very hard on the marriage at times. You DO NOT want to bet your retirement income on the behavior of other individuals, namely tenants. If they don't pay their rent, or due to tenant damage your property is vacant for one to tw...
by monicafaye
Fri Sep 24, 2010 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Becoming a Landlord
Replies: 78
Views: 8023

Hi Monica; Were you using this backtest website? http://assetplay.net/financial-tools/backtest.html I tried running an allocation of 76% intermediate treasury bonds and 8% each small cap value, emerging markets and commodities and that engine came up with a 10.26% avg return with only two losing ye...
by monicafaye
Sat May 29, 2010 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simple Retirement AA. Opinions please?
Replies: 10
Views: 868

Re: Simple Retirement AA. Opinions please?

livesoft wrote:
monicafaye wrote:Unfortunately, I invested most of it before the market drop. But I will stay the course.

But you put 40% into BND, right? So that has had a positive return.

You have a chance to rebalance now.


Yes I did put 40% in BND. Should I rebalance now or at end-of-year?
by monicafaye
Sat May 29, 2010 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simple Retirement AA. Opinions please?
Replies: 10
Views: 868

Simple Retirement AA. Opinions please?

Unfortunately, I invested most of it before the market drop. But I will stay the course.
by monicafaye
Sat May 29, 2010 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simple Retirement AA. Opinions please?
Replies: 10
Views: 868

Oops, left off the R in VBR. Thanks
by monicafaye
Sat May 29, 2010 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simple Retirement AA. Opinions please?
Replies: 10
Views: 868

Simple Retirement AA. Opinions please?

33% VBR (Small Cap Value) 67% BND (Total Bond Market) I did a backtest of this portfolio covering the 1972-2008 time period. The average Return was 10.29%, Standard Deviation was 8.93%, and the CAGR was 9.94%. The worst loss was -7.19% in 2008 and the best gain was 26.42% in 1982. Someone may want t...
by monicafaye
Sat May 29, 2010 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simple Retirement AA. Opinions please?
Replies: 10
Views: 868

AA opinions for a 20 year old disabled adult

I have a 20 year old son disabled from birth with $9,000 from an inheritance to invest. He currently lives at home and has a part-time job. He understands the importance of saving. He also understands the concept of frugality, which as a disabled person with limited current and future earning power ...
by monicafaye
Sun Apr 25, 2010 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA opinions for a 20 year old disabled adult
Replies: 8
Views: 1140

Invest lump sum now or wait for market pullback? Opinions

Thanks for your replies. My time horizon is 20 years and after I'm gone, I hope to leave most of it to my disabled son. So I hope my allocation is not too conservative.
by monicafaye
Sun Mar 28, 2010 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest lump sum now or wait for market pullback? Opinions
Replies: 20
Views: 2596

Invest lump sum now or wait for market pullback? Opinions

9% US Large- Vang Total Stock Market-VTI 9% US Large Value-Vang Large Cap-VV 9% US Sm Market-Vang Small Cap-VB 9% US Sm Cap Value-Vang Sm Cap Value-VBR 3% Commodities-Vang Energy-VDE 3% REIT-Vang REIT-VNQ 12% Foreign-Vang FTSE All-World ex-US-VEU 6% Emerging Markets-Vang Emerging Markets-VWO 40% Bon...
by monicafaye
Sun Mar 28, 2010 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest lump sum now or wait for market pullback? Opinions
Replies: 20
Views: 2596

Invest lump sum now or wait for market pullback? Opinions

My AA is:

39% Domestic
3% REIT
12% Foreign
6% Emerging Markets
40% BND

What do you think?
by monicafaye
Sun Mar 28, 2010 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest lump sum now or wait for market pullback? Opinions
Replies: 20
Views: 2596

Invest lump sum now or wait for market pullback? Opinions

I have $100,000 to invest in Vanguard index ETFs. Since the market has really jumped since Feb, would I be wise to wait for a pullback before investing it? I would hate to invest such a large amount now and possibly have to suffer through a nasty correction. Maybe I could invest half now and half in...
by monicafaye
Sun Mar 28, 2010 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest lump sum now or wait for market pullback? Opinions
Replies: 20
Views: 2596

BND and dividend reinvestment question

I currently hold BND in a USAA brokerage account and they do not offer automatic dividend reinvestment. Dividends are deposited in my MMF. Would I be better off selling BND and purchasing VBMFX through my Vanguard account where I can choose automatic dividend reinvestment? Thanks
by monicafaye
Thu Mar 18, 2010 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: BND and dividend reinvestment question
Replies: 1
Views: 700

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