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Re: New poster looking for advice from smart people

You might consider tax free municiples. I would do some of your tax free investing in a National Muni Fund (you will pay CA taxes on this) and some in a California Muni Fund (getting tax free treatment for both Federal and CA). Treasury instruments are not California taxed. Thank you Nedsaid for yo...
by squeakywheel
Sat May 04, 2013 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: New poster looking for advice from smart people
Replies: 10
Views: 994

Re: New poster looking for advice from smart people

Do either of your 401k plans accept incoming rollovers? You could roll over the deductible IRAs into a 401k which would allow you to convert the non-deductible IRA to Roth at a much lower cost. Wow, I never heard of this option! I will definitely investigate, thank you! In your tax bracket, I would...
by squeakywheel
Fri May 03, 2013 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: New poster looking for advice from smart people
Replies: 10
Views: 994

Re: New poster looking for advice from smart people

I am not big about target funds, but whether to use them in 401K depends on what else is avaiable. Fidelity has a very wide selection of funds that we could switch the 401K funds to (see below). But the 401K funds are only 7% of the portfolio. DODGE & COX STOCK (DODGX) FID GROWTH COMPANY (FDGRX...
by squeakywheel
Fri May 03, 2013 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: New poster looking for advice from smart people
Replies: 10
Views: 994

Re: New poster looking for advice from smart people

Is the 10% cash your emergency fund or do you have a separate one? If it isn't your emergency fund, why are you holding cash? This is partly emergency fund and partly just because we don't know what else to do with these $. I think for an emergency fund, we would likely need only about 4% of the po...
by squeakywheel
Fri May 03, 2013 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: New poster looking for advice from smart people
Replies: 10
Views: 994

New poster looking for advice from smart people

Hello, this is my first time posting and I am hoping that someone has time to give some advice. All of the info is given first and then there are several questions at the bottom of the post. Thanks in advance for any help/direction you can provide! • Family—2 adults, approx 50 years old + 2 kids mid...
by squeakywheel
Fri May 03, 2013 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: New poster looking for advice from smart people
Replies: 10
Views: 994

Re: Have You Done a FSBO? Did It Go OK?

We bought our current home in a FSBO transaction. It went very smoothly and it was wonderful to have no realtors involved!
by squeakywheel
Wed May 01, 2013 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Have You Done a FSBO? Did It Go OK?
Replies: 28
Views: 2814

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