Bogleheads.org

Are you covered by the Canadian health system? Seems to me living expenses could get really high if not. But maybe that's why you have it so low. Yes, fully covered since 90 days after moving here. I don't pay anything for doctors or hospitalizations; the monthly premiums for that coverage here in ...

I'm talking about rare events (Great Depression, WWII), and events that have never happened before (US govt default, USD hyperinflation). That's not quite correct. The US has defaulted several times e.g. The Continental Currency Default of 1779, The Default of 1790 and The Greenback Default of 1862...

Everytime this subject come up, I consider David Swensen's thoughts from the excellent book "Unconventional Success": "By asset size, foreign-currency-denominated bonds represent a formidable market, falling just short of the aggregate market value of U.S.-dollar-denominated debt. Ye...

soccerdad12 wrote:

vital15 wrote:Can you find a buyer that would want to keep you on as an employee for a couple of years and continue leading the business?

That is definitely what they would want to do, but not what I would want to do.

Why not? if you can answer that question it might help you make a decision.

I second the motion to build it yourself. I just built one and it's fun -- I learned a lot and saved money, besides. I started to spec out a Falcon machine and it was about twice what I spent, FWIW. (Not an unfair price, just higher. :greedy ) +1. If you think you would enjoy choosing components an...

Jerilynn wrote:

orre wrote:Falcon Northwest

http://www.falcon-nw.com/

Kinda pricey, but what the hell, I'm dating a billionaire. US based tech support??

They are pricey but very well built and reliable. Yes US tech support from Oregon.

Falcon Northwest

http://www.falcon-nw.com/

You're welcome. Well see my tip #2 part b. http://www.bogleheads.org/forum/viewtopic.php?t=66328 Let's make things simple and assume you retire tomorrow, and as per your original post you need to draw 3% of your portfolio for the next 10 years. As per the Swensen approach I discuss you would set as...

The problem hopefully is not needing the 400K badly, it's the problem of selling stock funds now to keep the 50:50. I certainly don't wish to borrow against the house later on. I'm close to being debt free and want to be debt free at all costs (no pun intended). When I move the equity in the house ...

I think Laura's point is a very good one. The OP has a house supposedly worth $700k and a mortgage for $400k. Let's say he pays off the mortgage in full and then wants to move in a year. But then he finds he can only get $600 k for it. And he doesn't want only $600k, he wants the $700k that its sup...

You seem to have thought your planning through pretty well. Have you fully considered the loss of human capital once you retiree. When working, people can be more aggressive in their investments because their human capital often offsets any major investment losses. People can often choose to work l...

I think there is a lot of sense in what you say. But I guess again I would advise caution. The thing about making life changes (retiring and moving to a new state), is that they are often very unpredictable and you never know when you are going to need liquidity and in what amounts and for how long...

If you are about to retire and sell your house I don't think paying off the mortgage right now is a good idea. There is no guarantee that you will get that money back ... Huh? What do you mean there is no guarantee the OP will get that money back? I think Laura's point is a very good one. The OP ha...

21% Vanguard Limited-Term Tax-Exempt Fund Admiral (VMLUX) (0.12%) I guess I would point out that VMLUX has a yield of 0.64% (after tax) and has both credit risk and interest rate risk. Whereas FDIC insured savings accounts and CDs have no credit risk. The savings accounts have no interest rate risk...

If you are about to retire and sell your house I don't think paying off the mortgage right now is a good idea. There is no guarantee that you will get that money back ... Huh? What do you mean there is no guarantee the OP will get that money back? I think Laura's point is a very good one. The OP ha...

... I am assuming that I should leave the FI in the IRA untouched until I convert the IRA to a Roth over the next 10 years. Am I thinking about this correctly? I am looking for suggestions for what to do with FI in both the taxable and non-taxable parts of the portfolio, and how to take out annual ...

orre, I assume you have gains in your taxable stock holdings so we won't change those here. If you have loses, go ahead and harvest them this year. In particular I would try to get out of the large cap index and into Total Stock Market so you have large, medium, and small cap companies covering the...

Livesoft, bdpb, Grok and Laura, I just wanted to take a moment and say thank you for your advice and thoughts. This is exactly the kind of help I was looking for. As you can see there are several life changes on the horizon and that makes for uncertainty. I need a few days to absorb what you have sa...

Anyone?

I agree with not contributing to a non-deductible tIRA unless you can convert it right away to a Roth, but that seems unlikely given your IRA. I have looked into that and, as you point out, I don't believe I can do the immediate Roth conversion. Your portfolio is apparently large enough that you sh...

Hello everyone. I’ve been reading this forum for a few years and it’s had a very positive influence on my outlook on investing and retirement. I am close to retirement and need advice on how to position myself for retirement, especially on the fixed income side. I recently completed a rollover from ...