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Re: Leased a Civic, Need Something Bigger

Thanks for all the replies. I didn't think of a cargo rack and snow tires, but that could be a much more economically viable option than trying to trade or otherwise get out of the lease to get a new Honda. I think the other option would be just to wait until the end of the lease and get what we rea...
by schneidy
Tue Feb 18, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Leased a Civic, Need Something Bigger
Replies: 14
Views: 1324

Leased a Civic, Need Something Bigger

Hello All, I made the mistake of leasing a 2013 Honda Civic about a year ago thinking I needed a commuter type car. We're currently a 13 months into a 36 month lease. My wife and I now have a 15 month child and find ourselves taking quite a few trips up north to New Hampshire to visit (we live in NY...
by schneidy
Tue Feb 18, 2014 9:24 am
 
Forum: Personal Consumer Issues
Topic: Leased a Civic, Need Something Bigger
Replies: 14
Views: 1324

Re: Need help - TDA with 7%=bonds? REITs?

It's not State. It's New York City. Guaranteed by the State. Feel free to check out my previous post for more.
by schneidy
Sun Nov 24, 2013 11:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help - TDA with 7% plus?
Replies: 12
Views: 1517

Re: Portfolio Check In - New 457 to Think About (UPDATED)

Starting with what you have.... Her 401k 75% ($75k) <--getting an additional $12,150 this year 56.3% 500 Index 18.8% PIMCO bonds His 403b 25% ($25k) <--$8,750 more this year 25% Fixed at 7% His 457 0% <--$10,750 this year Ignoring market growth for the time being, at the end of this year, it would ...
by schneidy
Tue Jul 16, 2013 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check In - New 457 to Think About (UPDATED)
Replies: 28
Views: 1556

Re: Portfolio Check In - New 457 to Think About (UPDATED)

Thanks for the thoughts and analysis. You make a lot of excellent points and I think I need to just get myself over the the psychological hurdle of the difficult rebalancing issue. Looking at the math definitely helps me see that I'm in a good spot either way. I just have a severe case of FOMO (fear...
by schneidy
Sun Jun 16, 2013 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check In - New 457 to Think About (UPDATED)
Replies: 28
Views: 1556

Re: Portfolio Check In - New 457 to Think About (UPDATED)

I think it changes it in the sense that I would be ok with a guaranteed 7% if it were my only investment. Considering it's coming from fixed income I think it changed how I understand risk from equities. Additionally, I to contribute as much as I can to this account so that if I leave the system I'l...
by schneidy
Sun Jun 16, 2013 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check In - New 457 to Think About (UPDATED)
Replies: 28
Views: 1556

Re: Portfolio Check In - New 457 to Think About (UPDATED)

It's a good question. I guess it's because they pay out at a crazy high rate relative to other bonds (at least for now) with no risk. Also,I get stability plus guaranteed return. Because of this, I'm throwing every possible dollar to the 403b where I wouldn't do this with a intermediate term bond i...
by schneidy
Sat Jun 15, 2013 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check In - New 457 to Think About (UPDATED)
Replies: 28
Views: 1556

Re: Portfolio Check In - New 457 to Think About (UPDATED)

After talking with my wife, we'd like to keep the allocation close to 75/25 but this assumes normal bonds . How can we think this through given these bonds pay what they do risk free? Why do you think this fund should be thought of differently? Thanks for the update on the dollar amounts. I'll have...
by schneidy
Sat Jun 15, 2013 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check In - New 457 to Think About (UPDATED)
Replies: 28
Views: 1556

Re: Portfolio Check In - New 457 to Think About (UPDATED)

In order to help with this we need to know dollar amounts. -I'm assuming you will max out His 403b but don't know how many dollars that will be till the end of the year (including a match if there is one). -I'm assuming you will put enough in Her 401k to get the match, but don't know how many dolla...
by schneidy
Sat Jun 15, 2013 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check In - New 457 to Think About (UPDATED)
Replies: 28
Views: 1556

Re: Portfolio Check In - New 457 to Think About (UPDATED)

retiredjg, thanks for the extremely thoughtful reply. Let me see here... So right now, your portfolio really sits at 56% stocks and 44% bonds. You could exchange the bonds in her 401k to 500 index to achieve the desired 75/25. *** Then start contributing to international in the 457. You have no reas...
by schneidy
Fri Jun 14, 2013 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check In - New 457 to Think About (UPDATED)
Replies: 28
Views: 1556

Re: Portfolio Check In - New 457 to Think About (UPDATED)

Thanks to everyone for the replies. First, we are not eligible for a TIRA. We actually do have Roth accounts, but are currently using them to hold a portion of our emergency funds. I guess just to be clear, what I'm trying to figure out is how to best use all of my tak advantaged space most efficien...
by schneidy
Fri Jun 14, 2013 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check In - New 457 to Think About (UPDATED)
Replies: 28
Views: 1556

Re: Portfolio Check In - New 457 to Think About (UPDATED)

I don't understand why you are not including His 403b as part of your 75/25 allocation? My thinking is that it would be crazy to do anything other than to max out the 403b at 7%, so there would be no flexibility with changing the allocations to other funds offered in the plans in order to rebalance...
by schneidy
Fri Jun 14, 2013 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check In - New 457 to Think About (UPDATED)
Replies: 28
Views: 1556

Re: Portfolio Check In - New 457 to Think About (UPDATED)

Do you know what your Stable value options are currently paying? They are an alternative to the PIMCO Total Return. Be sure to look at both your retirement accounts as a single portfolio so you can pick the best options available to the two of you. Thanks for your response. The stable income fund r...
by schneidy
Fri Jun 14, 2013 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check In - New 457 to Think About (UPDATED)
Replies: 28
Views: 1556

Portfolio Check In - New 457 to Think About (UPDATED)

Hello Bogleheads, I posted earlier seeking help maxing out my tax advantaged space and got a lot of great replies. (Please see previous post http://www.bogleheads.org/forum/viewtopic.php?f=1&t=92536 ). Since then I discovered that I am eligible for my city's 457 plan in addition to my 403b and I...
by schneidy
Thu Jun 13, 2013 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check In - New 457 to Think About (UPDATED)
Replies: 28
Views: 1556

Re: How do I account for a fixed return fund in my 403(b)?

Are you sure about the expense ratio on REREX? have that exact same ticker in my 401k at work. Morningstar (and my 401k) list the expenses at 0.85%. Can you tell if the 403b is adding an additional fee? I made a mistake. It's actually RERCX that's in my Wife's 401k. Seems like the same fund as RERE...
by schneidy
Wed May 02, 2012 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I account for a fixed return fund in my 403(b)?
Replies: 21
Views: 1039

Re: How do I account for a fixed return fund in my 403(b)?

Since you said your portfolio is $55k and your wife's account is 10x yours, then it is about $50k hers and $5k his. If you max out yours to get the 7%, how much would you be putting into his and hers each year? If you are going to be contributing more to his each year, then his won't be dwarfed by ...
by schneidy
Tue May 01, 2012 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I account for a fixed return fund in my 403(b)?
Replies: 21
Views: 1039

Re: How do I account for a fixed return fund in my 403(b)?

Sorry, to bump what by now may be considered to be an old post, but I'm having a hard time pulling the trigger on moving from the current high ER funds to the one Fidelity Spartan S&P 500 fund that is available in my wife\'s 401k. Basically, I understand the concept that I should be throwing eve...
by schneidy
Tue May 01, 2012 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I account for a fixed return fund in my 403(b)?
Replies: 21
Views: 1039

Re: How do I account for a fixed return fund in my 403(b)?

Thanks for the feedback. Very helpful comments.
by schneidy
Tue Mar 13, 2012 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I account for a fixed return fund in my 403(b)?
Replies: 21
Views: 1039

Re: How do I account for a fixed return fund in my 403(b)?

Life is pretty expensive here in NYC. At this point I think we could contribute about 25k a year in addition to my wife's company match. I my question is now, what should the overall equities versus fixed 7% versus bond allocation be when we factor in the 401k? Given the options my wife has in her a...
by schneidy
Tue Mar 13, 2012 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: How do I account for a fixed return fund in my 403(b)?
Replies: 21
Views: 1039

Re: How do I account for a fixed return fund in my 403(b)?

So sorry to complicate matters, given all the straightforward advice that has been offered, but how should I think about this option given that my wife also has a 401(k) plan that we are contributing to in order to get a 4% match. Here is the relevant info: Emergency fund = $15,000 Mortgage Debt: 30...
by schneidy
Tue Mar 13, 2012 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: How do I account for a fixed return fund in my 403(b)?
Replies: 21
Views: 1039

Re: How do I account for a fixed return fund in my 403(b)?

Who, exactly, is guaranteeing 7%? I would research that as if your entire retirement depended on it. Because it probably does. And rule #1 of investing is that if something sounds too good to be true, it probably is. The 7% is guaranteed by New York State Law. I assume this could change and I could...
by schneidy
Mon Mar 12, 2012 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: How do I account for a fixed return fund in my 403(b)?
Replies: 21
Views: 1039

Re: How do I account for a fixed return fund in my 403(b)?

So given that I can also always open a Roth with Vanguard, would it make sense to take some additional risk there?
by schneidy
Sun Mar 11, 2012 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I account for a fixed return fund in my 403(b)?
Replies: 21
Views: 1039

How do I account for a fixed return fund in my 403(b)?

Hello Bogleheads, I have been reading many posts and following a lot of the community's advice in setting up my portfolio. My situation is as follows: As a teacher in New York, one of the options in our 403(b) is a fixed return fund that earns 7% annually. This is in addition to a diversified US equ...
by schneidy
Sun Mar 11, 2012 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I account for a fixed return fund in my 403(b)?
Replies: 21
Views: 1039

Re: Hoping for better options

Thanks for the feedback. I edited the post to reflect the expense ratios of all my wife's 401(k) choices. We have about $1000 a month to invest. One more question: What we be a smart allocation using the funds with expenses below 0.8 percent? I'm not sure where I would get international exposure. As...
by schneidy
Mon Feb 27, 2012 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hoping for better options
Replies: 4
Views: 478

Hoping for better options

Hi All, I'm hoping to open a Vanguard IRA (Roth, Traditional or both) for my wife and I as I feel that the options in her 401K are quite limited and expensive. Emergency fund = $15,000 - about 4 months of expenses Mortgage Debt: 303k @ 4% fixed. 30 yrs left. Tax Filing Status: Married filing Jointly...
by schneidy
Mon Feb 27, 2012 12:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Hoping for better options
Replies: 4
Views: 478

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