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Re: Time for a quick review

Thanks for taking time to reply. We've been keeping our asset allocation at 50/50 and don't mind if it leans slightly towards the bond side. Yes, we have a plan written down and know where our money goes each month. We are however guilty of not closely watching our allocations and not continually in...
by offtocolorado
Sat Jul 05, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time for a quick review
Replies: 8
Views: 565

Re: Time for a quick review

We are very solid savers but our knowledge of US/ International and the percentage of allocations in that direction is lacking. The current percentage was based on a game plan some folks here helped us establish a few years back. The strong growth of Abbvie was great but we too believe it is time to...
by offtocolorado
Sat Jul 05, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time for a quick review
Replies: 8
Views: 565

Re: Time for a quick review

My wife works for Abbott and the Abbvie stock was part of the split. The Abbvie had a great run the past 2years and we were thinking of moving the funds to something a little more conservative. We sold a ton of Abbott stock a few years back, at one time it was 80% of our portfolio. :oops: Sad but tr...
by offtocolorado
Sat Jul 05, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Time for a quick review
Replies: 8
Views: 565

Time for a quick review

Here's an instant x-Ray of our portfolio. We've had a stock split in the past couple of years and we haven't made any changes since, but I believe it may be time to reallocate or maybe just clean things up a bit. We are almost 50 and have a risk tolerance of about 50/50. Retiring to fun jobs, hopefu...
by offtocolorado
Sat Jul 05, 2014 7:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Time for a quick review
Replies: 8
Views: 565

Re: Uninsured / Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage does not provide coverage for your vehicle. If you are struck by an uninsured motorist your vehicle repairs are provided under your collision policy, less your deductible. If you had "liability only" on your vehicle you would have not had any co...
by offtocolorado
Wed Jun 04, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: Uninsured / Underinsured Motorist Coverage
Replies: 40
Views: 1984

Re: Uninsured / Underinsured Motorist Coverage

UM and UIM is that part of your personal auto policy that protects members of your household covered by the policy. It is basically a "pain and suffering policy" is how to best convey the coverage. If you or a member of your household are injured in an accident and the responsible party ha...
by offtocolorado
Wed Jun 04, 2014 6:37 am
 
Forum: Personal Consumer Issues
Topic: Uninsured / Underinsured Motorist Coverage
Replies: 40
Views: 1984

Getting Started with Investing

Is there a fund available that you would recommend for young folks that are just getting into investing? I'm talking about kids between 16-20 that have anywhere between a few hundred to a few thousand. Something where they could contribute each month to help get them on a steady path.
by offtocolorado
Mon Dec 16, 2013 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting Started with Investing
Replies: 7
Views: 386

Re: Portfolio rebalancing

Thanks. Not sure why cash appeared.
by offtocolorado
Fri Dec 06, 2013 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio rebalancing
Replies: 3
Views: 282

Portfolio rebalancing

Still new to the game and time to rebalance. I went into Morningstar to use their portfolio x-ray program. This is what I got with regard to percentages. Asset Allocation | Holdings Detail Long% Short% Net% Cash 6 -26 -20 U.S. Stocks 40 0 40 Foreign Stocks 17 0 17 Bonds 63 -2 61 Other 2 0 1 Not Clas...
by offtocolorado
Fri Dec 06, 2013 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio rebalancing
Replies: 3
Views: 282

Re: Buying a car for my daughter

Tomatoe & Hexdump........ Thank you for the postitive post! :beer Like you I'm not knew to the 16 year olds. Several years back we bought my son his first car and in a couple years he will be finishing his doctorate program! As long as my daughter follows the rules and respects the fact that thi...
by offtocolorado
Thu Apr 04, 2013 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Buying a car for my daughter
Replies: 70
Views: 4223

Re: Buying a car for my daughter

First off who said anything about rewarding my daughter? We are talking about a 12 year old car that is basically being passed down in the family. I don't car what logo the car carries, its a friggin car! What I do care about is that I put my child in a vehicle that is safe...safe for her if she scr...
by offtocolorado
Wed Apr 03, 2013 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Buying a car for my daughter
Replies: 70
Views: 4223

Re: Buying a car for my daughter

I'm an insurance agent by profession so am well aware of the accidents experienced by youthful operators. It seems just about every 16 year old hits something at some point. For my son it was backing into a lawn mower! That was a nice one to get out of the way! :sharebeer
by offtocolorado
Mon Apr 01, 2013 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Buying a car for my daughter
Replies: 70
Views: 4223

Re: Buying a car for my daughter

Safety is our number one concern and even though some of the smaller smart cars seem to be extremely economical I do have some concerns with their ability to withstand a hit. BMW's do have a very good reputation for safety and the vehicle we are looking at does have traction control, anti lock brake...
by offtocolorado
Mon Apr 01, 2013 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Buying a car for my daughter
Replies: 70
Views: 4223

Buying a car for my daughter

Thought I put this out there for some opinions. My wife and I are going to purchase a car for my daughter who is 16. We have the option of buying my parents 2002 BMW 325i four door for $8,000. Nice vehicle, low mileage (30,000), very safe, not overly powerful and ok gas mileage....18 mpg around town...
by offtocolorado
Mon Apr 01, 2013 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Buying a car for my daughter
Replies: 70
Views: 4223

Re: Questions on rebalancing & option changes

Info provided from Vanguard. I can take my existing employer sponsored Simple IRA porfolio and roll it into a Traditional IRA at no fees! I would than continue on with Fidelity but only to the match of my employers 2%. I would than open a new account with Vanguard having weekly withdraws made from m...
by offtocolorado
Wed Mar 13, 2013 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions on rebalancing & option changes
Replies: 16
Views: 617

Re: Questions on rebalancing & option changes

I've participated in our Simple IRA for 20 years! The payroll company is trying to push this through by Friday! :annoyed I don't get the rush. If I roll everything I could be paying a front load of $3,500.
by offtocolorado
Wed Mar 13, 2013 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions on rebalancing & option changes
Replies: 16
Views: 617

Re: Questions on rebalancing & option changes

I caught myself one other time making that mistake. It is a Simple IRA. Thanks.
by offtocolorado
Wed Mar 13, 2013 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions on rebalancing & option changes
Replies: 16
Views: 617

Re: Questions on rebalancing & option changes

The more I read on my companies decision to go to a Fidelity Advisor fund the angrier I get :evil:
by offtocolorado
Wed Mar 13, 2013 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions on rebalancing & option changes
Replies: 16
Views: 617

Re: Questions on rebalancing & option changes

As discussed my company is changing their Simple IRA from Vanguard to Fidelity. My current Vanguard portfolio consists of: Vanguard Total International Stock (VGTSX) 13.1% $81,680 No more contributions Vanguard Total Bond Market (VBMFX) 2.4% $15,081 100% of my contribution I was looking to the Fidel...
by offtocolorado
Wed Mar 13, 2013 10:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions on rebalancing & option changes
Replies: 16
Views: 617

Re: Should I stay or go thoughts [retire early]

A few of you have asked for some additional info, so let's keep this going just for fun. "If nothing changes" and we maintain the course and the market returns 6% annually we will have approximately $1,100,000 total in our SEP, 401k and roths at age 52. I do not have a pension so our sole ...
by offtocolorado
Fri Mar 08, 2013 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I stay or go thoughts [retire early]
Replies: 35
Views: 2636

Re: Should I stay or go thoughts

Hey JW....she really enjoys her job but like many of you, we have shared the dream of being totally self reliant and have lived a very modest life style for the past 25 years inorder to be in this situation financially. Being 48 and knowing what we've accomplished together is huge.
by offtocolorado
Fri Mar 08, 2013 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I stay or go thoughts [retire early]
Replies: 35
Views: 2636

Re: Should I stay or go thoughts

The numbers provided would be for her to begin accepting pension distributions the day she retires. We did take a look at retiring early and than waiting to receive the benefits and there was very little difference. The beauty is in the planning and it will be nice to have the option to stay or go. ...
by offtocolorado
Fri Mar 08, 2013 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I stay or go thoughts [retire early]
Replies: 35
Views: 2636

Should I stay or go thoughts [retire early]

Just putting this out there to those that have retired and those that are almost there. One of the decisions my wife will be faced with in two years is whether or not to retire at age 50 or wait to age 52 or 55. Financially we will be good to go at age 50 but waiting until 52 or 55 increases her pen...
by offtocolorado
Fri Mar 08, 2013 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I stay or go thoughts [retire early]
Replies: 35
Views: 2636

Re: Questions on rebalancing & option changes

We try to stay right around 50/50 with our asset allocation. I agree with your concern regarding Abbott and Abbeive stock. Last year, before Abbott split we kept our Abbott stock exposure to 9%. During the course of the year and the split we are now at 12% of our AA. We will be adjusting this very s...
by offtocolorado
Mon Mar 04, 2013 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions on rebalancing & option changes
Replies: 16
Views: 617

Re: Questions on rebalancing & option changes

Ok.....let me work on this a bit and get everything in order. Great info......thank you!
by offtocolorado
Fri Mar 01, 2013 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions on rebalancing & option changes
Replies: 16
Views: 617

Re: Questions on rebalancing & option changes

We really don't know where GATRX came from? Maybe part of the split? Is there a website where I can go and type in the fund symbol and it will provide the stock to bond breakdown? I know this is a rookie question but how can you so quickly determine my stock to bond allocation percentages? I underst...
by offtocolorado
Fri Mar 01, 2013 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions on rebalancing & option changes
Replies: 16
Views: 617

Questions on rebalancing & option changes

My wife and I have come along way in the past year thanks to advice and direction from folks on this site...thank you. We have a few decisions to make and we'd appreciate your thoughts. We would like to keep our portfolio ratio and our current contributions (around $50,000 a year) at 50/50. A few th...
by offtocolorado
Fri Mar 01, 2013 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions on rebalancing & option changes
Replies: 16
Views: 617

Re: Little Directional help needed.

Awesome! A few more days and we can sit back and relax!
by offtocolorado
Wed Mar 14, 2012 7:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Little Directional help needed.
Replies: 24
Views: 1089

Re: Little Directional help needed.

Retiredjd, We've had a busy week restructuring and we are almost there! TIRA has been purchased in her name and will be moved to Roth on Friday. Allocation changes have been made to both His SEP and her 401k. Current and future contributions. We will provide a complete update on everything by next w...
by offtocolorado
Tue Mar 13, 2012 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Little Directional help needed.
Replies: 24
Views: 1089

Re: Little Directional help needed.

Our silver wedding anniversary is in January! She is the boss! :happy

Thank you my friend, we'll take a good solid look tomorrow and get back with you.

Have a nice evening, we appreciate the encouragement!

Tim
by offtocolorado
Sat Mar 03, 2012 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Little Directional help needed.
Replies: 24
Views: 1089

Re: Little Directional help needed.

The boss says 50/50....... :sharebeer !
by offtocolorado
Sat Mar 03, 2012 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Little Directional help needed.
Replies: 24
Views: 1089

Re: Little Directional help needed.

Our sincere thanks for all of your time! We like option one for the simplicity and ease of management. Let me fill in a few more gaps. My wife works for Abbott and she would like to hold some stock in the company. Abbott will be splitting into two companies at the end of this year. Her current share...
by offtocolorado
Sat Mar 03, 2012 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Little Directional help needed.
Replies: 24
Views: 1089

Re: Little Directional help needed.

My wife and I agree, we probably just have it backwards, no particular method to our madness! :confused
by offtocolorado
Fri Mar 02, 2012 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Little Directional help needed.
Replies: 24
Views: 1089

Re: Little Directional help needed.

Wow, I hope I can one day be able to help others in such a way! Our Edward Jones advisor has been fired! There were no miscommunication. He flat out lied to us and put years and years of our hard work at risk for his profit. That is so sad and pathetic..... Like many folks we read and study as much ...
by offtocolorado
Fri Mar 02, 2012 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Little Directional help needed.
Replies: 24
Views: 1089

Re: Roth contribution after filing taxes

I have a similiar question, not trying to hijack your thread.

We have not completed our taxes yet and plan on contributing to a Traditional IRA and then backdooring to a Roth. We are going to make the contribution and then complete our taxes. Do we have to recognize this on Turbo Tax?
by offtocolorado
Fri Mar 02, 2012 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth contribution after filing taxes
Replies: 7
Views: 463

Re: Little Directional help needed.

Hello "Retiredjg", hopefully this will help clarify. We appreciate your time. Wife's 401k Pimco TTL Return (PTTRX) $207,748 (40% of our porfolio) Vanguard Institutional Index Fund (VEMPX) $90,546 (18% of our porfolio) Vanguard Dev. Markets Index Fund (VIDMX) $64,504 (13% of our porfolio) A...
by offtocolorado
Fri Mar 02, 2012 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Little Directional help needed.
Replies: 24
Views: 1089

Re: Little Directional help needed.

Thanks to the help of several members we completely revamped our porfolio back in September to what is shown below. Our concerns at this point are where to invest a $5,000 Roth for my wife and what funds we should be considering as an after tax fund that still fits our AA. We believe our portfolio p...
by offtocolorado
Thu Mar 01, 2012 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Little Directional help needed.
Replies: 24
Views: 1089

Re: Questions about brokerage guidance

I've been an insurance agent for 25 years and have yet to see a universal life policy perform well. No I have never sold one, simply because I've never believed in them. Most folks buy into the sales pitch, keep them for 5 or less years and jump ship. The only one that profited was the agent and the...
by offtocolorado
Wed Feb 29, 2012 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions about brokerage guidance
Replies: 8
Views: 526

Re: Little Directional help needed.

Thank you for your time.
by offtocolorado
Wed Feb 29, 2012 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Little Directional help needed.
Replies: 24
Views: 1089

Little Directional help needed.

We want to buy an IRA in my wife's name and than convert to a Roth, but we don't know what index fund to put it in? How do we determine our next step if we want to maintain a 50/50 portfolio? We also have another $5k to invest in a new after tax fund and again, we're struggling as to which fund? We'...
by offtocolorado
Wed Feb 29, 2012 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Little Directional help needed.
Replies: 24
Views: 1089

Website to help manage accounts

I apologize if this is another rookie question.

Is there a website that I can list all of our funds and it will tells our percentage in bonds and stocks?

Thanks....Tim
by offtocolorado
Wed Feb 29, 2012 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Website to help manage accounts
Replies: 3
Views: 366

Re: Invest or payoff home equity loan

Interest rate is 3%..does that change anyone's thoughts.
by offtocolorado
Sat Feb 25, 2012 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Invest or payoff home equity loan
Replies: 8
Views: 498

Invest or payoff home equity loan

We are very close to being debt free. Paid the mortgage off Nov.2011. We have saved $10,000 to buy 2 IRA's but since my husband has a SEP plan already we can only purchase 1 for me. I have a 401K plan which is maxed out pretaxed. Here's the question. Home equity loan balance $15,000 . We could use t...
by offtocolorado
Fri Feb 24, 2012 11:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest or payoff home equity loan
Replies: 8
Views: 498

Re: IRA question

You read my mind! I was just researching whether or not my SEP is considered an IRA. So we will only be using $5,000 to purchase my wife a traditional IRA and than backdooring to a Roth......got it! Thanks. Can she purchase one 5k for 2011 and than another 5k for 2012? Or can I send the other $5k di...
by offtocolorado
Fri Feb 24, 2012 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA question
Replies: 6
Views: 300

Re: IRA question

We don't have any current IRA's in place. Just my SEP through vanguard and my wife's 401k. Our annual income is 200k.
by offtocolorado
Fri Feb 24, 2012 10:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA question
Replies: 6
Views: 300

IRA question

My wife and I have $10,000 saved to buy 2 IRA 's this month. We have always saved for retirement through her 401 k and my employers SEP program, so this is the first time we have bought an IRA. We plan on calling Vanguard and letting them walk us through the purchase. Our plan would be to soon after...
by offtocolorado
Fri Feb 24, 2012 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA question
Replies: 6
Views: 300

Final Portfolio Advice

After a month of reading and advice from fellow investors we are almost were we need to be. Thanks again for everyone's help. What we need help on is where to invest our Roth IRA's that we will be purchasing shortly and where to invest an additional $20,000 a year? We believe our portfolio percentag...
by offtocolorado
Thu Oct 27, 2011 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Final Portfolio Advice
Replies: 0
Views: 217

Wife's 401K changed today to reflect the following:

20% - S&P 500
10% - Abbott Stock
5% - Extended Market
15% - Developed Market
38% - PIMCO Tr Bond

Wife's 401k is now maxed out at 15% with pre-tax withdraws being allocated in the same percentages shown above.
by offtocolorado
Thu Oct 13, 2011 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: New to the site- "Revised Again"
Replies: 65
Views: 5906

Colorado, here's an idea for your portfolio allocations 401k S&P 500 (institutional index) = 20% Extended Mkt = 5% Developed Mkt = 15% PIMCO TR Bond = 37.5% SEP Vanguard Short Term Bond Index = 12.5% EJ Account Individual Stocks = 10% I deleted the EJ mutual funds because the are tax-inefficien...
by offtocolorado
Tue Oct 11, 2011 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to the site- "Revised Again"
Replies: 65
Views: 5906
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