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Re: New vs. Used Honda CRV

Just wanted to add that I drive a 2003 CR-V that I bought new in October 2002. It has 191,000 miles and I haven't had any issues with it that would not be considered maintenance. My most expensive repair was to replace the catalytic converter (was about $1000). I did this at 180,000 miles, and resea...
by mrsscuba
Wed Jun 04, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 43
Views: 2986

Re: Choosing a Beneficiary

However the gist of my response is the same. Unless and until you have properly cared for your own child your mother has to come second. I have added the emphasis since it is YOUR mother. Your wife has no obligation moral or otherwise to support your mother. You both have a primary legal and IMHO m...
by mrsscuba
Thu May 22, 2014 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Choosing a Beneficiary
Replies: 13
Views: 1010

Re: Your 529 Plan - Thoughts and Strategies

1. How old are your children who you're saving for? 12 months 2. Which 529 Plan do you invest in? Maryland 529 Plan 3. What's the current balance? We have two plans because MD gives a $2500 deduction per account. We invested $2500 each in 2013 and haven't made a 2014 contribution yet. I think the to...
by mrsscuba
Wed May 21, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: Your 529 Plan - Thoughts and Strategies
Replies: 39
Views: 2924

Re: Choosing a Beneficiary

Oh dear home made estate planning a lawyer's dream come true. :happy You can't name a guardian in a will (although you can state preferences) and you need a trust for your minor child. Do you really want to set up a fight between your mother and your child's representatives over money? I'm a Maryla...
by mrsscuba
Wed May 21, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing a Beneficiary
Replies: 13
Views: 1010

Re: Choosing a Beneficiary

Is there a type of long term care insurance that you could buy for your mother that would act as a life insurance policy. Something where you buy now, keep contributing, and if you predecease your mother, the policy would require no further contributions? Is this just a fancy way of saying buy LTC ...
by mrsscuba
Wed May 21, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing a Beneficiary
Replies: 13
Views: 1010

Re: Choosing a Beneficiary

Well, the reason I would leave money for my mom is because my mom has zero savings and is living off of Social Security at the moment, but it's not enough to continue her care if anything at all goes wrong (and I think she is building some debt at the moment just from basic living expenses). This is...
by mrsscuba
Wed May 21, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Choosing a Beneficiary
Replies: 13
Views: 1010

Choosing a Beneficiary

My husband and I have a son, who is 12 months old. If something happens to both of us, we are planning to name my sister and her husband as my son's legal guardians. As far as choosing a beneficiary and working out our wills, we would obviously name each other as the beneficiaries. However, does it ...
by mrsscuba
Tue May 20, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing a Beneficiary
Replies: 13
Views: 1010

Re: Portfolio Review

I went ahead and exchanged Total Bond Index into Total International. I do want to do the backdoor roth, although I am intimidated by it for some reason. i need to do more reading on it so I can understand how it works. But, Option 2 seems good to me. I would love to hear others' thoughts if anyone ...
by mrsscuba
Mon Jul 29, 2013 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Re: Portfolio Review

Ok, right off the bat, I can tell you that I do not want to put any more money or do anything with his 401k besides what I have to. His company HR department has been a nightmare to work with. He was eligible to enroll at the end of April, and it took about 2 weeks to get the info on how to enroll. ...
by mrsscuba
Mon Jul 29, 2013 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Re: Portfolio Review

I had my baby May 26, now I'm finally getting back to this! Thank you, pingo for all of your hard work. I am going to look over your options and see what looks good.
by mrsscuba
Wed Jul 24, 2013 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Re: Portfolio Review

Well, I'm still trying to figure out if what I have invested in my 401k looks good, as well as what I should be investing in for hubby's new 401k that he's just starting to contribute to. I know I need to get the bonds out of my taxable account, but where to put them and how to divide them up with t...
by mrsscuba
Wed May 15, 2013 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Re: Portfolio Review

bump...
by mrsscuba
Wed May 15, 2013 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Re: Portfolio Review

1. Max HIS Traditional 401k up to company match and to annual limit ($17,500) 2. Max Health Savings Account ($6,450) as part of HDHP 3. Max HER Traditional 401k up to annual maximum ($17,500) 4. Max HER Traditional 401k up to max allowed ($51,000) {she is self-employed} 5. Complete Backdoor ROTH IR...
by mrsscuba
Fri May 03, 2013 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Re: Portfolio Review

First of all, I can not thank everyone enough for continuing to respond and help me with this. I know I am sometimes slow to respond, and it's because I'm now 9 months pregnant, so I have some other stuff going on. If I don't respond for a while, it may be that I've had the baby, so I'm doing my bes...
by mrsscuba
Fri May 03, 2013 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Re: Portfolio Review

I got my info on my husband's 401k. Here are the available funds: ING Fixed Account ING Money Market Portfolio - Class I .34% AllianceBernstein Global Bond Fund - Class R 1.28% ING PIMCO High Yield Portfolio - Service Class .75% ING PIMCO Total Return Portfolio - Initial Class .58% PIMCO VIT Real Re...
by mrsscuba
Tue Apr 30, 2013 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Re: Portfolio Review

My husband's HR got back to him with the 401k info, but only sent the basic benefit plan summary, not the whole document. So, all I know is that they will match 50% of contributions up to 6% of salary (which covers the whole $17,500). It's through ING. He's really close to being able to enroll, so w...
by mrsscuba
Mon Apr 15, 2013 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Re: Portfolio Review

Have you been making non-deductible IRA contributions? We've been making non-deductible IRA contributions only when we are unable to max out our 401ks due to discrimination testing. Based on what you told me about Roths, which I knew some of but didn't know all of, I need to investigate backdoor co...
by mrsscuba
Wed Apr 10, 2013 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Re: Today Show: Retiring By 40

His most recent blog post is actually a post about why he dislikes Index Funds in favor of Dividend Growth: http://www.dividendmantra.com/2013/04/why-i-vastly-prefer-dividend-growth.html Also, and this is a key point, once I'm done accumulating assets and buying stocks I'll no longer be paying any m...
by mrsscuba
Wed Apr 10, 2013 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: Today Show: Retiring By 40
Replies: 17
Views: 3395

Today Show: Retiring By 40

I saw this story on the Today Show this morning about a man who wants to retire by age 40. http://lifeinc.today.com/_news/2013/04/10/17685840-retiring-at-40-one-peanut-butter-and-jelly-sandwich-at-a-time?lite It sounds like, based on what I heard on the show, he expects to retire at 40 with $400,000...
by mrsscuba
Wed Apr 10, 2013 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Today Show: Retiring By 40
Replies: 17
Views: 3395

Re: 401(k) Allocation

It may be relative. Your 401k has the lowest ER of Pimco Total Return that I've ever come across and it's a very good bond holding even if it's not the first choice, academically-speaking. For that matter, your 401k offers the lowest costing iteration of the EuroPacific Growth fund, which is a grea...
by mrsscuba
Tue Apr 09, 2013 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Allocation
Replies: 7
Views: 681

Re: 401(k) Allocation

pingo, your hypothetical #1 is kind of where I was thinking I might want to go. My 401k doesn't offer much by the way of bonds, and keeping everything all even in all the accounts can be tiresome (although I'm pleased with the 3-fund basic portfolio often suggested here, I used to keep 10+ funds in ...
by mrsscuba
Mon Apr 08, 2013 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Allocation
Replies: 7
Views: 681

Re: Portfolio Review

Hey, where'd everybody go? :D A couple more requests: 1. Perhaps your husband could speak with a fellow employee to see if that employee will go online and print a copy of the 401k plan document for him, so that you can include his expected 401k options in the original post? 2. Can you indicate whe...
by mrsscuba
Mon Apr 08, 2013 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Re: 401(k) Allocation

So, any opinion on these funds?
by mrsscuba
Fri Apr 05, 2013 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Allocation
Replies: 7
Views: 681

Re: Do I really need a Smartphone?

Disclaimer: My cell phone plan is paid for by my company, although not the phone itself. And, I had my phone for 8 months paying out of pocket before the company started paying for the plan, so I made the decision to purchase one without that. I am a software developer, and I was the last holdout in...
by mrsscuba
Fri Apr 05, 2013 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Do I really need a Smartphone?
Replies: 433
Views: 28349

401(k) Allocation

I am not a fan of my company's 401(k), but I also feel like I might just feel like it's bad when it really isn't. The expenses aren't super-high on most funds, but I feel like I'm missing options that would help me to diversify. I previously posted my entire portfolio and asked for assistance. I got...
by mrsscuba
Wed Apr 03, 2013 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Allocation
Replies: 7
Views: 681

Re: Portfolio Review

Sorry for responding post after post...

If VBMFX should not be in taxable, what should I put that money into? I don't see an issue doing an exchange for another fund, as the rate on return since we bought it (8/2011) is very small.
by mrsscuba
Wed Mar 13, 2013 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Re: Portfolio Review

Ok, I updated my first post to make the Taxable accounts part of retirement assets (which, like I say in my above post, I don't know whether they are or not, I know that sounds silly!). And, I made all investments a percentage of total retirement accounts. I left the EF break down, just in case anyo...
by mrsscuba
Wed Mar 13, 2013 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Re: Portfolio Review

Also, with regards to my reference to adjusting my EF, I actually wasn't really talking about a rebalance, I was more referring to adding more $ to it once the baby comes, since our expenses will change.
by mrsscuba
Wed Mar 13, 2013 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Re: Portfolio Review

So, this is my total portfolio, not just retirement assets (why EF was included, as well as all the other stuff). This is the part that baffles me sometimes. I don't consider our taxable accounts to be "retirement" assets per se, I just consider them "savings." But, we aren't sav...
by mrsscuba
Wed Mar 13, 2013 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

Portfolio Review

After lurking for months and being really impressed with the advice given here, I've finally worked up the courage to share my portfolio for review... :) A little about us - we both previously worked at a mutual fund company (T. Rowe Price) where we were kind of told that as long as we are are inves...
by mrsscuba
Wed Mar 13, 2013 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3510

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