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Re: Get a financial advisor? Retired now

Ages: Him: 66 (delaying s.s. at least one year so far) Her: 62 retired Income: Him $25k per year part time -plan to retire completely in 4 years S.S. will be about $1,500 depending on when he takes it . . . . . Contributions: about $6,500 per year . . . . . My Severance is a 403B acct which I can m...
by ruralavalon
Sat Nov 22, 2014 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Get a financial advisor? Retired now
Replies: 29
Views: 3762

Re: New job, time to reorganize

I'm still a little confused on the accounts. Why two Roth IRAs at Vanguard for her? How much of the capital gains listed in the taxable accounts for each fund are long-term, and how much for each fund are short-term? Long-term gains taxed based on your top marginal income tax rate: 15% if you're in ...
by ruralavalon
Sat Nov 22, 2014 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: New job, time to reorganize
Replies: 2
Views: 232

Re: Moving current 401k funds into brokerage link?

achen9291 wrote:Here are my new ratios:

53%, US LARGE CAP EQ INDX(.04)
10%, US SM/MID CAP EQ IDX(.05)
27%, HP INTL EQUITY INDEX(.08)
10%, HP CORE BOND INDEX(.06)


What index does each fund track?

You might want to increase the mid/small allocation a bit, depending on which domestic stock indexes are being used.
by ruralavalon
Sat Nov 22, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 14
Views: 440

Re: New job, time to reorganize

Welcome to the forum :) . It's good to see that you have no debt. I think that your desired asset allocation of 70/30 is reasonable. I'm a bit confused about the accounts you have. What exactly are the names on the account statements for wife 1 and wife 2 accounts, and on her brokerage at Vanguard, ...
by ruralavalon
Sat Nov 22, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: New job, time to reorganize
Replies: 2
Views: 232

Re: Moving current 401k funds into brokerage link?

So my next question is, should I leave in HP 1990 fund, or move it over to a mix of these 4 funds? and If I move it to these 4 funds, I'd like to have 90/10 but don't know what a good % would be to split between the 4 funds. Thanks for being patient with me and stopping me from doing something stup...
by ruralavalon
Sat Nov 22, 2014 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 14
Views: 440

Re: Moving current 401k funds into brokerage link?

A BrokerageLink can be useful if (a) transactions are large, (b) infrequent and (c) give you a large advantage in expenses. Otherwise fees for use of the BrokerageLink can eat up the expense ratio advantage you try to get. What are the fees for use of the BrokergeLink? There are usually annual fees,...
by ruralavalon
Sat Nov 22, 2014 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 14
Views: 440

Re: Get a financial advisor? Retired now

Sorry for all the questions :( . How much of each is long-term gain, how much of each is short-term gain? Joint Taxable Accounts Not tax-efficient, to sell if practical in terms of tax-pain -- Balanced Index $21k Gain: $1150 = + 5.4% Life strategy Moderate $17k Gain $1,700 = + 10% Health Care $6k Ga...
by ruralavalon
Sat Nov 22, 2014 6:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Get a financial advisor? Retired now
Replies: 29
Views: 3762

Re: Portfolio advice for new investor, large lump sum

I think you have settled on a plausible plan, put it into action and stick with it.

You don't need a perfect plan, just one that avoids big mistakes. I think you have avoided big mistakes. And remember what you said "I'd rather not overthink the stuff", follow that advice.
by ruralavalon
Sat Nov 22, 2014 5:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for new investor, large lump sum
Replies: 14
Views: 1483

Re: Get a financial advisor? Retired now

In the taxable account do you have it set up that when a fund pays a dividend it's automatically reinvested in that same fund? Or does the dividend go to cash? That's not a question about new contributions. I'm sorry my initial question was not clear. It's too early to say for sure, but at your tax ...
by ruralavalon
Fri Nov 21, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Get a financial advisor? Retired now
Replies: 29
Views: 3762

Re: Get a financial advisor? Retired now

Wlcome to the forum :) . its good to see you are debt free except for the mortgage note. i think you are right its best to "get out of Windsor/Wellington and do simple Indexing the John Bogle way", and am glad that you seem open to abandoning the position in gold. Its simplifies a lot to u...
by ruralavalon
Fri Nov 21, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Get a financial advisor? Retired now
Replies: 29
Views: 3762

Re: Employer switching to new retirement plan

Questions: I don't know anything about most of these funds. The expense ratios seem high for some of the options, but I'm used to Vanguard’s ultra-low expenses. I am a “set it and forget it” type of investor, and my company is encouraging us to put all our money into the target date retirement fund...
by ruralavalon
Fri Nov 21, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer switching to new retirement plan
Replies: 12
Views: 1177

Re: Social Security 62 vs 66

Delay gives greater return with smaller risk, where is the downside?

If in reasonable health it's better to delay starting SS.

If serious health issues, may better to start SS earlier.
by ruralavalon
Fri Nov 21, 2014 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 31
Views: 2323

Re: What Book Are You Currently Reading? Part VI

I have a family connection to Savo Island-- it was not the British Empire's finest day (there's also a book out about the battle of the Java Sea, where every significant allied combatant was sunk I think). That is Ship of Ghosts: The Story of the USS Houston, FDR's Legendary Lost Cruiser, and the E...
by ruralavalon
Fri Nov 21, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 170
Views: 15811

Re: New job / Old 401k

I recently started a new job and need to figure out what to do with the money that remains in my former employer's 401k. It seems my choices are 1) leave it; 2) move it to my new employer's 401k or 3) roll it into an IRA. . . . . Yu have the three options right. It all depends on the quality and ex...
by ruralavalon
Fri Nov 21, 2014 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: New job / Old 401k
Replies: 8
Views: 726

Re: AA: Which BONDS funds to buy?

Canada is about 08% or 1/12th of the world-exUS economy, VTIAX portfolio @ Morningstar . It is the 3d largest world-exUS economy after Japan and the United Kingdom, VTIAX portfolio @ Vanguard . Its economy has a huge natural resources sector. Skipping Canada is a mistake in my opinion. You also lose...
by ruralavalon
Fri Nov 21, 2014 8:48 am
 
Forum: Investing - Help with Personal Investments
Topic: AA: Which BONDS funds to buy?
Replies: 16
Views: 2963

Re: Portfolio advice for new investor, large lump sum

Welcome to the forum :) . You did a great job avoiding that killer student loan debt we see too often. That's wonderful. More importantly, does 20% bonds make sense? In my opinion 20% bonds makes sense at age 27. Please see: " % Stocks vs Age" ; and "An Efficient Frontier: the power o...
by ruralavalon
Thu Nov 20, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for new investor, large lump sum
Replies: 14
Views: 1483

Re: 34 year old new to investing - help please

Thank you very much ruralavalon. I already created a spreadsheet with the allocation you recommended. I have made the adjustment to 10k for treasury direct. One question - which is the best place to do this? I have a TDAmeritrade account for my common stocks. Can I add this portfolio there, or is i...
by ruralavalon
Thu Nov 20, 2014 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: 34 year old new to investing - help please
Replies: 41
Views: 4118

Re: 34 year old new to investing - help please

Tax Filing Status: Married Filing Jointly, Tax Rate: xx% Federal, xx% State Federal 33%, State: 7.2% State of Residence: NJ Age: 34 . . . . . His 401k No 401k at current company. Previous company transferred to IRA – . . . – no 401k . . . . . $33k his IRA/Roth IRA – 401k transferred from previous e...
by ruralavalon
Thu Nov 20, 2014 7:41 am
 
Forum: Investing - Help with Personal Investments
Topic: 34 year old new to investing - help please
Replies: 41
Views: 4118

Re: Advice for a new 25 year old investor

Post by ruralavalon » Tue Nov 18, 2014 2:00 pm Add a bond allocation, say 20%, using PIMCO Total Return Institutional (PTTRX) ER 0.46%. I think adding your 01% to the 457b is a good idea. I wanted to add some bonds, but the expense ratio seems a bit too big high. Or that is the average expense rati...
by ruralavalon
Wed Nov 19, 2014 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a new 25 year old investor
Replies: 12
Views: 1477

Re: Overwhelmed with Asset Allocation

Age: 31 male and 31 female Desired Asset allocation: 70% stocks / 30% bonds 30% S+P 500, 15% Small Cap, 20% Total International, 30% Total Bond, 5% REIT I suggest using Vanguard Total Stock Market Index Fund (VTSAX) instead of the S&P 500 fund, and suggest using Vanguard Small-Cap Value (VSIAX)...
by ruralavalon
Wed Nov 19, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed with Asset Allocation
Replies: 20
Views: 2218

Re: Overwhelmed with Asset Allocation

Great thanks! Why go with an intermediate bond fund instead of the vanguard total bond market index fund? . Vanguard Total Bond Market Index Fund is an intermediate term bond fund. The two funds (Vanguard Total Bond Market Index Fund and Fidelity Spartan® U.S. Bond Index Fund) are nearly identical....
by ruralavalon
Wed Nov 19, 2014 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed with Asset Allocation
Replies: 20
Views: 2218

Re: Glidepath (target date) investments distort asset alloca

Now that I've attempted to justify my comment, :happy I will say that if I could create a line of TD funds, none would be higher than 75% stock because one fund for a wide range of investors should be a Goldilocks portfolio --not to much risk and not to little. Finally, I don't think target retirem...
by ruralavalon
Wed Nov 19, 2014 11:29 am
 
Forum: Investing - Theory, News & General
Topic: Glidepath (target date) investments distort asset allocation
Replies: 20
Views: 2734

Re: Overwhelmed with Asset Allocation

My mistake there are a couple of high expense ones and one Fidelity index fund. What percentage would you add? Metropolitan West Total Return Bond (MWTIX) (0.45%) Dodge & Cox Income Fund (DODIX) (0.43%) PIMCO Total Return Fund Institutional (PTTRX) (0.46%) Spartan® U.S. Bond Index Fund - Instit...
by ruralavalon
Wed Nov 19, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed with Asset Allocation
Replies: 20
Views: 2218

Re: Overwhelmed with Asset Allocation

Will your new 403b accept transfer from your old 403b? It will allow me to roll-over into my new 403b, but I was going to convert my old 403b into a Roth IRA. I thought that when I retire 30+ years from now the tax benefits would be large from not having to pay taxes on the growth of 30 years of in...
by ruralavalon
Wed Nov 19, 2014 8:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed with Asset Allocation
Replies: 20
Views: 2218

Re: Overwhelmed with Asset Allocation

Welcome to the forum :) . It's good to see no debt other than the mortgage note. In my opinion your desired asset allocation is within the range of what is reasonable. In my opinion it's reasonable in to include 05% REIT. Will your new 403b accept transfer from your old 403b? Is there no intermediat...
by ruralavalon
Tue Nov 18, 2014 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed with Asset Allocation
Replies: 20
Views: 2218

Re: Advice for a new 25 year old investor

Add a bond allocation, say 20%, using PIMCO Total Return Institutional (PTTRX) ER 0.46%. I think adding your 01% to the 457b is a good idea.
by ruralavalon
Tue Nov 18, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a new 25 year old investor
Replies: 12
Views: 1477

Re: Jack Bogle says VTBMX + VICSX?

There is lots of disagreement on this. Personally, we have Treasury bonds and Vanguard Intermediate Term Investment Grade Admiral. I'm have seen knowledgeable people say that any good credit quality intermediate term Vanguard bond fund will do. That may be the correct answer. You don't need a perfec...
by ruralavalon
Tue Nov 18, 2014 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle says VTBMX + VICSX?
Replies: 15
Views: 2234

Re: Glidepath (target date) investments distort asset alloca

perhaps I'm not using target date correctly. But I actually choose the target date fund for my risk tolerance (I'm 54 but my risk tolerance is low as I'm retiring in the next three or four years). I look at the allocation of international and domestic equities and bonds. to that end I'm in Vanguard...
by ruralavalon
Tue Nov 18, 2014 11:04 am
 
Forum: Investing - Theory, News & General
Topic: Glidepath (target date) investments distort asset allocation
Replies: 20
Views: 2734

Re: 403(b) Difficulties - please advise!

You and your wife have my sympathy, which is not worth much. At least she tried. I would not continue to beat my head against that kind of brick wall. 403bs are notorious for being infested with salesforce rather than knowledgeable advisors. If the expenses are high and the funds poor, look into usi...
by ruralavalon
Tue Nov 18, 2014 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: 403(b) Difficulties - please advise!
Replies: 9
Views: 787

Re: AA: Which BONDS funds to buy?

ruralavalon wrote:If you ever decide to sell all or part of any of those positions, then there is no sense in creating any short-term capital gains. Please can you explain above? If enrolled in DRIP, dividends used to re-invest doesn't count towrads that year taxes? Before I used to get 1099-DIV an...
by ruralavalon
Tue Nov 18, 2014 7:25 am
 
Forum: Investing - Help with Personal Investments
Topic: AA: Which BONDS funds to buy?
Replies: 16
Views: 2963

Re: Received an inheritance, clueless as to what to do with

Welcome to the forum :) . My condolences on the loss of your grandparents. Its good to see that you re debt free, and live frugally. You are already doing some important things right. That alone puts you far ahead of most people your age. A friend suggested I look at Vanguard due to their low cost a...
by ruralavalon
Tue Nov 18, 2014 6:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Received an inheritance, clueless as to what to do with it.
Replies: 29
Views: 4091

Re: restarting overwhelmed

Tax rate: 15% St: Wy Age: 47 DAA: 40 %stocks-60% bonds DIA: 10 % Here is one example portfolio idea to consider.Total of all accounts $1,256k. Buy up to $20k/yr I-bonds from Treasury Direct, "[i]nterest from I Bonds accumulates tax-deferred for up to 30 years. (I Bonds do not distribute intere...
by ruralavalon
Mon Nov 17, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: restarting overwhelmed
Replies: 24
Views: 3736

Re: restarting overwhelmed

I am definitely going to invest the taxable also but feel more comfortable getting the IRA's invested correctly first. Boglehead investing is very new to me so I want to make sure I understand exactly what I'm doing before jumping all in. Yes, have a complete plan before doing anything at all. But ...
by ruralavalon
Mon Nov 17, 2014 5:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: restarting overwhelmed
Replies: 24
Views: 3736

Re: 34 year old new to investing - help please

I am in the 28% bracket as it mentions in the website that user ruralavalon recommended. . . . . . You are correct - my mistake. From the site you referred, our (my wife and I) tax rate comes to 33%. Now I am truly baffled. Is your tax filing status "married filing jointly"? Or do you fil...
by ruralavalon
Mon Nov 17, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 34 year old new to investing - help please
Replies: 41
Views: 4118

Re: 34 year old new to investing - help please

Is your wife employed? If so is there any work-based plan, like 401k or 403b, offered there? If so, details of what's offered?
by ruralavalon
Mon Nov 17, 2014 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 34 year old new to investing - help please
Replies: 41
Views: 4118

Re: AA: Which BONDS funds to buy?

Ruralavalon 1) What do I do with $s' liquidated from HSA? (and next year contribution $s' as well) ? 2) Also if my desired REIT is X%. Is it advised for some % (how much?) of that X be in below ex-US REIT? Vanguard Global ex-U.S. Real Estate Index Fund Admiral Shares (VGRLX) 0.27% 1) Please see wik...
by ruralavalon
Mon Nov 17, 2014 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: AA: Which BONDS funds to buy?
Replies: 16
Views: 2963

Re: American Funds Roth IRA - Should I Make the Move??

Rural- I ended up deleting that line and moving to 100% equities in my 401K, which still kept me at 80% equities. The $900 didn't more the needle. 1. Even with the small value (3%) and high ER, would you still include in portfolio? 2.I've read you should be more aggressive in the Roth than the 401K...
by ruralavalon
Sun Nov 16, 2014 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: American Funds Roth IRA - Should I Make the Move??
Replies: 30
Views: 2179

Re: 36 y.o. New at investing, am I in too much debt?

Congratulations. We see many people arrive here with the same type of situation (too much spending and debt) and we can also quickly tell who will get this under control and who won't. I believe you are in the category of one who will. Since it doesn't seem like the debt situation will get too much...
by ruralavalon
Sun Nov 16, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 36 y.o. New at investing, am I in too much debt?
Replies: 63
Views: 4743

Re: restarting overwhelmed

Read Laura's post again, ask questions if you have any, do what she says. Since you have other accounts, post details in the format given in the "asking portfolio questions" sticky post. Is wife still employed somewhere? If so is there a work-based account offered there? Where have you est...
by ruralavalon
Sun Nov 16, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: restarting overwhelmed
Replies: 24
Views: 3736

Re: American Funds Roth IRA - Should I Make the Move??

I ended up moving my money to Vanguard and rebalancing my Fidelity 401K with the recommendation below. Based on my annual contribution, I will save over $150k during my lifetime in fees not counting the 5% commission with American Funds :shock: 1. I've read you should be more aggressive in the Roth...
by ruralavalon
Sun Nov 16, 2014 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: American Funds Roth IRA - Should I Make the Move??
Replies: 30
Views: 2179

Re: AA: Which BONDS funds to buy?

Tax bracket is FED: 28%, STATE:9.3% State State of Residence: CA Age: 38 Desired Asset allocation: 75% stocks / 25% bonds Desired International allocation: 30% of stocks. . . . . . I would like to have Vanguard REITS. . . . . . Yes I want to eventually do the 3-fund portfolio in vanguard . . . In m...
by ruralavalon
Sun Nov 16, 2014 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA: Which BONDS funds to buy?
Replies: 16
Views: 2963

Re: AA: Which BONDS funds to buy?

1) Which BOND funds should I consider buying from the funds available in 'RETIREMENT CONTRIB FUND ' bucket? BlackRock U.S. Debt Index Fund ER 0.025% 2) Instead (or in addition to above) should I consider (what) BOND funds available in my 401K bucket? BTC US DEBT ER 0.025% 3) Also I have BrokerageLi...
by ruralavalon
Sun Nov 16, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: AA: Which BONDS funds to buy?
Replies: 16
Views: 2963

Re: Vanguard Brokerage or Mutual Funds?

In the past, Vanguard has had a structure different from all the other places. Vanguard mutual funds were held in one company and ETFs and stocks and mutual funds from other places were all held in another company. There were two sides of the house - the VG mutual fund side and the VG brokerage ser...
by ruralavalon
Sun Nov 16, 2014 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage or Mutual Funds?
Replies: 16
Views: 918

Re: Vanguard Brokerage or Mutual Funds?

Op, what are you worrying about? I just gave them permission and they did it. I don't see a downside, and I do use their brokerage to buy CD's. I don't see an upside, either. I will probably do it, hoping that Vanguard does have my best interests at heart, but I'm still not sure why it's necessary ...
by ruralavalon
Sun Nov 16, 2014 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage or Mutual Funds?
Replies: 16
Views: 918

Re: New to investing - Need help with bonds in portfolio

I recently exchanged some funds into VTINX as it had 70% of its portfolio with Bonds+TIPS with much lower ER(.16) comapred to other Bond funds avalable in 401k. Other bond funds in 401k include Fidelity® Government Income Fund - FGOVX (ER=0.45) and PIMCO Total Return Instl - PTTRX(ER=0.46). Do you ...
by ruralavalon
Sun Nov 16, 2014 8:13 am
 
Forum: Investing - Help with Personal Investments
Topic: New to investing - Need help with bonds in portfolio
Replies: 5
Views: 691

Re: Glidepath (target date) investments distort asset alloca

...They conclude that high stock allocations for the young are not a good idea... Quite possibly, stock allocations much over 50% are not a good idea for most people at any age. As Adrian Nenu liked to say, Tolerable Loss x 2 = Equity Allocation < 50%. But that is a different question from futzing ...
by ruralavalon
Sat Nov 15, 2014 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: Glidepath (target date) investments distort asset allocation
Replies: 20
Views: 2734

Re: Glidepath (target date) investments distort asset alloca

... conventional wisdom ignores empirical evidence that younger workers with less secure employment and scant savings are far likelier to raid their retirement accounts to meet basic living expenses. Since they’re also more likely to lose their jobs in a recession, which in turn is likelier to occu...
by ruralavalon
Sat Nov 15, 2014 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: Glidepath (target date) investments distort asset allocation
Replies: 20
Views: 2734

Re: 401(k) moving to Fidelity - New funds to choose from

Thank you. I haven't researched the funds fully or who manages them, but basically I can surmise that vanguard is best mostly due to the lower expense ratio? Vanguard has the largest menu of low expense ratio funds offered anywhere. You can almost never find a lower expense ratio fund elsewhere. Th...
by ruralavalon
Sat Nov 15, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) moving to Fidelity - New funds to choose from
Replies: 3
Views: 413

Re: What Book Are You Currently Reading? Part VI

Neptune's Inferno:the U.S. Navy at Guadalcanal, by James A Hornfischer. In August - November 1942, 6 major naval gunnery battles usually at night, each side lost 24 major combat vessels, 1600 U.S. Marine and Army killed, over 5,000 U.S. sailors killed.
by ruralavalon
Sat Nov 15, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 170
Views: 15811

Re: 36 y.o. New at investing, am I in too much debt?

A couple of comments re "emergency fund" vs debt vs Roth IRA. 1) Thinking777 has mentioned several times that he'd like to contribute to a Roth IRA now and next year, but if he did he'd need to take out another loan to finance the wedding next year. That would violate rule # 1 for getting ...
by ruralavalon
Sat Nov 15, 2014 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: 36 y.o. New at investing, am I in too much debt?
Replies: 63
Views: 4743
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