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Re: GF leaving advisor, help needed

Placeholder, thanks for the suggestion. I will have her read your post. However, I believe that she would be more comfortable with VG considering that my investments are with them.
by slimshady
Tue Oct 07, 2014 7:15 am
 
Forum: Investing - Help with Personal Investments
Topic: GF leaving advisor, help needed
Replies: 22
Views: 2661

Re: GF leaving advisor, help needed

Thanks for the reassurance Abyan. Hopefully everything goes smoothly.
by slimshady
Mon Oct 06, 2014 7:24 am
 
Forum: Investing - Help with Personal Investments
Topic: GF leaving advisor, help needed
Replies: 22
Views: 2661

Re: GF leaving advisor, help needed

Thank you Paul. This is much more involved than I originally thought. I believe that this decision will serve her well. She will be in a position to self manage her three fund portfolio and will be able to invest those additional monies that were being spent on fees and commissions. BTW, she is now ...
by slimshady
Sun Oct 05, 2014 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: GF leaving advisor, help needed
Replies: 22
Views: 2661

Re: GF leaving advisor, help needed

Abyan, thanks for responding. With regards to the transfer, the new account will be on the brokerage side. She will sell the stocks and then purchase Total Stock, Total International and Total Bond. PKcrafter mentioned that she will have to open a new account on the mutual fund side as well. We will...
by slimshady
Sun Oct 05, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: GF leaving advisor, help needed
Replies: 22
Views: 2661

Re: GF leaving advisor, help needed

Thank you for the replies I have never owned an individual stock/ brokerage account so this is all new to me. The 401K rollovers seem easy enough. We now realize that they can't be merged because the Wells Fargo is an inherited account. Can these rollovers also be used to open a Roth IRA?? Would tha...
by slimshady
Sat Oct 04, 2014 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: GF leaving advisor, help needed
Replies: 22
Views: 2661

GF leaving advisor, help needed

Good afternoon everyone. A few weeks ago I posted that my GF was considering leaving her full service advisor. To my delight, she told me this morning that she is prepared to leave. (Unbeknownst to me, there had been a few communications between gf and advisor over the past week. She asked about fee...
by slimshady
Sat Oct 04, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: GF leaving advisor, help needed
Replies: 22
Views: 2661

Re: Advisor switching companies, self management a possibili

PizzaSteve- If there are issues with Vanguard transferring " in kind", I will definitely have her look into other brokerages. Hopefully, there won't be any issues. From what I can recall her current advisor has her invested within 15-20 companies, mostly utilities I believe. Once she gives...
by slimshady
Mon Sep 29, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advisor switching companies, self management a possibility
Replies: 14
Views: 1086

Re: Advisor switching companies, self management a possibili

BL- thank you for your advice and the 16 page read. She has read it twice thus far. I believe that she may actually make the move to Vanguard!!

I will need further assistance at some point. Thx.
by slimshady
Mon Sep 29, 2014 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advisor switching companies, self management a possibility
Replies: 14
Views: 1086

Re: Advisor switching companies, self management a possibili

Thank you for all of your responses. Livesoft- Yes there is definitely a sentimental attachment. However I totally agree that she should consider a DIY method with Vanguard. Ruralavalon- Thank you for the link. She is researching the company and has appeared to have taken a small interest in the BH ...
by slimshady
Mon Sep 22, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advisor switching companies, self management a possibility
Replies: 14
Views: 1086

Advisor switching companies, self management a possibility

Good morning everyone. I joined this forum two years ago and have followed the advice that I was offered at the time. Since then, I have constructed a solid investment portfolio according to BH principals and continue to learn as I peruse the threads on a daily basis. Today, I post on behalf of my g...
by slimshady
Sun Sep 21, 2014 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Advisor switching companies, self management a possibility
Replies: 14
Views: 1086

Re: Easy careers to last me to retirement?

Hi Gambler. Some thoughts that come to my mind-- Work for a gym. Sit behind a front desk and assist members/process new memberships. Most likely you will have free access to work out and get in shape on your down time. Salary may be an issue though. Cruise ship. You are single with no kids. That spe...
by slimshady
Thu Jul 17, 2014 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 14466

Re: Appropriate Muni for mom

Thx Grt. Going to help her open a TD account later today.
by slimshady
Sat Nov 09, 2013 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Appropriate Muni for mom
Replies: 4
Views: 658

Re: Appropriate Muni for mom

Calm Man - thank you for your response. I relayed your comments to her. We both agree that the investment would be too small, the interest too low to be worthwhile. I suppose I bonds would be the only worthwhile investment at this point. $10K for 2012 and $10K once January rolls around. It will be h...
by slimshady
Tue Nov 05, 2013 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Appropriate Muni for mom
Replies: 4
Views: 658

Appropriate Muni for mom

Good afternoon everyone. Need advice, hope you can help. A few days ago, my mother and I visited an elder law attorney (personal friend) to amend a will, update health care proxy/living will, etc. Upon realizing there was $130K parked in a bank account earning paltry interest, the attorney suggested...
by slimshady
Tue Nov 05, 2013 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Appropriate Muni for mom
Replies: 4
Views: 658

Re: Exchanging Total Internl for FTSE Total World ex US inde

Livesoft and Grabiner- thanks for responding. I did not realize my current fund was more diversified. I did check the profiles of both funds on the VG website prior to posting and believed that the added diversification in the FTSE fund was due to the inclusion of Canada. I thought this country was ...
by slimshady
Sun Jul 14, 2013 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchanging Total Internl for FTSE Total World ex US index
Replies: 8
Views: 591

Re: Exchanging Total Internl for FTSE Total World ex US inde

Newb- The main reason for the exchange would be for the added diversification.
by slimshady
Sun Jul 14, 2013 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchanging Total Internl for FTSE Total World ex US index
Replies: 8
Views: 591

Exchanging Total Internl for FTSE Total World ex US index

Hello everyone. I have recently been giving thought to exchanging my VG Total International Index to VG FTSE All World ex US Index Fund. The All World Fund is more diversified and carries a slightly lower e/r of .15 as opposed to .16 in the VG Internatl Index. My current fund is located within my ta...
by slimshady
Sun Jul 14, 2013 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchanging Total Internl for FTSE Total World ex US index
Replies: 8
Views: 591

Car servicing at dealership or local mechanic??

What are people's thoughts on maintaining your vehicles? Any rules of thumb with regards to servicing vehicles under warranty as opposed to not under warranty? I have been told numerous times never to have your car serviced by a dealer, they will charge you twice what a local mechanic would charge. ...
by slimshady
Tue Feb 26, 2013 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Car servicing at dealership or local mechanic??
Replies: 39
Views: 2207

Re: Small Caps really necessary??

Thank you everyone for taking the time and advising me. As I indicated, the thought did cross my mind in eliminating the small cap fund due to the small amount in the fund as well as the fact that I invest monies into the VG TSM fund. After reading the suggestions and viewing the graphs/charts I hav...
by slimshady
Tue Feb 26, 2013 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Small Caps really necessary??
Replies: 26
Views: 2700

Small Caps really necessary??

Good morning everyone. Current portfolio is 300K. Lineup includes: ( Full NYS pension in 12 years) 457b Plan (66%). VG Institutional Index (18%) VG Small Cap Index (5%) International Index (8%) VG Total Bond Index (35%) Roth IRA (3%) VG Total Stock Market Admiral Taxable (31%) VG Total Stock Market ...
by slimshady
Sat Feb 23, 2013 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Small Caps really necessary??
Replies: 26
Views: 2700

Re: Portfolio Advice for 457b

Hi Sigh-- I recently contacted the board members of the NYSDCP with regards to having the Plan consider adding VG Total Stock Market Index as well as the VG Total International Index to their list of available funds participants could choose from. The TSM could essentially replace the Institutional,...
by slimshady
Mon Feb 18, 2013 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for 457b
Replies: 19
Views: 1622

Re: New investor with NY State; needs advice

Hello I will shortly be entering my 18th year of service with NYS and have been contributing to the Deferred Compensation plan since. Started with 3% in 1996 and am currently at 25% for past 6 years. I use a 4 fund indexed approach and rebalance twice per year. Aside from the knowledgeable advice re...
by slimshady
Sat Feb 09, 2013 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor with NY State; needs advice
Replies: 17
Views: 1382

Re: I Bonds or UTMAs??

sscritic- No, the question did not change. I have decided to open a TD account and create the minor linked account. My sister and husband are both on board. Thanks for your help.

Rich
by slimshady
Sat Dec 01, 2012 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: I Bonds or UTMAs??
Replies: 11
Views: 1101

Re: 457b plan International Fund-good choice??

PK- Thanks. I will gradually transfer monies from my 457b international fund to other funds within the 457 and make up the difference with contributions to VG international. It will probably be in my best interest. Mudpuppy - Thanks for responding. All the profile information came from the NYS 457b ...
by slimshady
Sat Dec 01, 2012 9:07 am
 
Forum: Investing - Help with Personal Investments
Topic: 457b plan International Fund-good choice??
Replies: 3
Views: 347

Re: I Bonds or UTMAs??

Yes, these bonds were bought before treasury direct became an option for purchasing. Thank you all for clarifying. While on topic, it was suggested to me the other day to open custodial accounts using e-trade. Suposedly, their minimum opening balance is $500 per account. Does anyone have thoughts on...
by slimshady
Tue Nov 27, 2012 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Bonds or UTMAs??
Replies: 11
Views: 1101

457b plan International Fund-good choice??

Within my 457b plan, I have been investing into an International Equity Index Fund. According to the plans website, this particular fund is benchmarked to the MSCI EAFE Index. The subadvisor for this fund is Northern Trust. The top 10 holdings of this fund are: Nestle A Shs Nom New 2.05% HSBC Holdin...
by slimshady
Tue Nov 27, 2012 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457b plan International Fund-good choice??
Replies: 3
Views: 347

Re: I Bonds or UTMAs??

dbr,mxyz- Thanks for responding. I do not expect any problems with UTMA accounts. Any invested monies will be of a small amount so the reporting of taxes should not be an issue. My sister was in fact listed as a co-owner on the ibond purchases so hopefully it will enable her to use the bonds tax fre...
by slimshady
Tue Nov 27, 2012 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Bonds or UTMAs??
Replies: 11
Views: 1101

Re: I Bonds or UTMAs??

Dave- Thank you for responding to my inquiry. You raised several points with regards to the benefits of both I bonds as well as 529 plans. I had been leaning towards the I bonds, just wanted some reassurance that it was a smart way to invest for my nephews. As far as my sister is concerned, her chil...
by slimshady
Tue Nov 13, 2012 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Bonds or UTMAs??
Replies: 11
Views: 1101

I Bonds or UTMAs??

Hello everyone. Quick question for the Bogleheads. In your opinions, which would be the better investment for my 2 nephews ages 5 and 7?? They have been receiving I bonds since they were born. My family currently has 3k for the older child and 2K for the younger. Should we continue purchasing these ...
by slimshady
Mon Nov 12, 2012 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Bonds or UTMAs??
Replies: 11
Views: 1101

Re: Trying my best to increase my net worth

Thanks retiredjg. I would like to keep you updated as to how things proceed.
by slimshady
Mon Sep 10, 2012 8:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying my best to increase my net worth
Replies: 32
Views: 4684

Re: Trying my best to increase my net worth

Retiredjg-- Many thanks for your suggested portfolio. I appreciate the time and effort you put into devising it for me. Also, thank you to the BogelHeads who also offered advice in helping me achieve my goal. I originally planned a 6 fund portfolio in my 457 plan. You and several other Bogleheds pro...
by slimshady
Mon Sep 10, 2012 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying my best to increase my net worth
Replies: 32
Views: 4684

Re: Trying my best to increase my net worth

Currently $98K split among my Vanguard Institutional Index, Vanguard mid cap index and Vanguard Small cap index fund in 457b account. By closing out my mid cap fund and transferring the funds($15K to Institutional Index and $4K to small cap) I will achieve the 85/15 split that FNK advised. My end re...
by slimshady
Sun Sep 09, 2012 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Trying my best to increase my net worth
Replies: 32
Views: 4684

Re: Trying my best to increase my net worth

Jfet, Ydnal - thanks for your comments and support!!
by slimshady
Sun Sep 09, 2012 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Trying my best to increase my net worth
Replies: 32
Views: 4684

Re: Trying my best to increase my net worth

I checked the prospectus online and read the Institutional Index tracks the performance of the S&P 500. Now I just need to transfer funds out of the mid cap into the small cap in order to reach that 80/20 split. My 457b plan allows transfers in and out of these funds once every 60 days. So I nee...
by slimshady
Sun Sep 09, 2012 7:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Trying my best to increase my net worth
Replies: 32
Views: 4684

Re: Trying my best to increase my net worth

Good evening Retiredjg- Just completed editing my original post. I followed the recommendations on the site. Hope this is correct. FNK- Thanks for the info. I own shares of the Vanguard Institutional Index, not the Vanguard large cap. My error. Do you advise me to still drop the Vanguard Mid Cap fun...
by slimshady
Sat Sep 08, 2012 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying my best to increase my net worth
Replies: 32
Views: 4684

Re: Trying my best to increase my net worth

Funds include

Taxable-$250k bank savings
Tax deferred account- $185k
Pension- currently 25k.

Tax deferred account breakdown-
35% Vanguard large cap index
10%.Vanguard mid cap index
5%. Vanguard small cap index
15% Vanguard internl stock index
32%. Vanguard total bond index
3%. Vanguard stable
by slimshady
Fri Sep 07, 2012 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying my best to increase my net worth
Replies: 32
Views: 4684

Re: Trying my best to increase my net worth

Retiredjg- the target date fund would be within my Roth IRA, not in my tax deferred nor in my taxable. Bad idea??
by slimshady
Fri Sep 07, 2012 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying my best to increase my net worth
Replies: 32
Views: 4684

Re: Trying my best to increase my net worth

Thanks for everyones advice/comments. MHC,retiredjg,nyboglehead and pkcrafter- The 70k is not a windfall. It is a sum of my $250K which is parked in my savings institution earning .50% I chose the $70k as a means to "get the ball rolling". I will take all of your sound advice and open a Ro...
by slimshady
Fri Sep 07, 2012 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying my best to increase my net worth
Replies: 32
Views: 4684

Trying my best to increase my net worth

Hello everyone. I am a first time poster on this site and have enjoyed being educated by the "bogle heads" for the past few months. Thank you for your knowledge and much respect to all of you. Perhaps you could assist me as my goal is to increase my net worth and attain solid financial gro...
by slimshady
Thu Sep 06, 2012 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying my best to increase my net worth
Replies: 32
Views: 4684

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