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Re: Put $$$cash in annuity b4 claiming financial aide

They don't have any debt to pay down. Like I've said on my origianl post, all rentals and their resident house are all paid off. They cannot set up traditional IRA pre-tax because they don't have pay checks coming from employers. Roth IRA is probably the only way to go. However, each person can only...
by suming
Mon Sep 08, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Put $$$cash in annuity b4 claiming financial aide
Replies: 9
Views: 727

Put $$$cash in annuity b4 claiming financial aide

I have friends who have 3 children. Their oldest son is a senior in highschool. They have another son who is sophomore and the youngest one is in the middle school. They have 6 or 7 rentals (all paid off) to generate income to support the family and both of them are not working since 3 years ago. Th...
by suming
Mon Sep 08, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Put $$$cash in annuity b4 claiming financial aide
Replies: 9
Views: 727

Re: Grand Canyon

Any doctor is reading this thread? Since the 5 National Parks sounds so appealing, I am just wondering if a diabetics patient (my husband 53 yrs old) will be able to pull it through on the trip of 8 days. Should I check with our own doctor? I am thinking more car ride plus 1 short distance hiking an...
by suming
Thu May 15, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 59
Views: 4781

Re: Bequeathing to Wife - Up to a point

Or she would need to marry someone for his money when you die.
by suming
Tue May 13, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bequeathing to Wife - Up to a point
Replies: 29
Views: 2768

Re: +25% Bonus coming, keep same 401K % contribution?

I don't have the company match problem since I contribute more than the 10% anyway. The reason I'm confused is purely coming from the timeing - early April. If you were me, which way will you go? Same amount even for the bonus check? Or same percentage - much higher amount in early April?
by suming
Thu Mar 06, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: +25% Bonus coming, keep same 401K % contribution?
Replies: 9
Views: 476

+25% Bonus coming, keep same 401K % contribution?

My company will pay us bonus next month. I am always confused about how to decide the 401K contribution on the bonus pay. Could someone please show me some ultimate theory or your bench mark numbers? In the past, I sometimes keep the same contribution percentage as the regular pay check and some oth...
by suming
Thu Mar 06, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: +25% Bonus coming, keep same 401K % contribution?
Replies: 9
Views: 476

Re: Search for passive income- through real estate?

When your income is lower in retirement, you will be able to get a lot income tax benefit from the rental business. Currently I don't think you are qualified because of your high income level.
by suming
Thu Dec 12, 2013 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Search for passive income- through real estate?
Replies: 27
Views: 2384

Re: Retirement Portfolio Allocation Questions

Have you considered possible medical expenses before you are qualified to the Medicare? I am planning about an ER around the similar financial situation in 7 - 10 years. Currently we (52 and 50 yo) are very confused about the medical insurance issue after retiring, mainly between aged 59 to 65. Does...
by suming
Thu Dec 05, 2013 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Allocation Questions
Replies: 9
Views: 991

Re: Who gets more College Financial aid?

If EFC is higher than the expected college cost, there is no need to even fill out FAFSA?
by suming
Thu Jul 25, 2013 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who gets more College Financial aid?
Replies: 52
Views: 3686

529 plan - Is it worthy it?

My middle child is going to college after summer this year. Since we don't have to pay for his tuition until Oct and Nov, I am considering if 529 education fund is a good option. We live in Illinois and open a 529 account only benefit our state tax, not the federal tax. Our youngest child will go to...
by suming
Tue Jul 23, 2013 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 plan - Is it worthy it?
Replies: 2
Views: 687

Re: 2014 trip to Europe

Hi, JeffyScott
Would you please share which credit card would provide such good offer?
by suming
Mon Jul 15, 2013 11:17 am
 
Forum: Personal Consumer Issues
Topic: 2014 trip to Europe
Replies: 44
Views: 3908

Re: Chicago Meeting #3

Please count me in if the meeting is held in the weekend.
by suming
Fri Jul 12, 2013 9:19 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Chicago Meeting #3
Replies: 21
Views: 2591

Re: Talking With My Sister About Investing and Risk

My husband had a similar situation and I posted a thread here. Somebody suggested the documentary film 'the smartest guys in the room' Enron so I borrowed it from our local library. It worked! He got rid of 50% of his company stock.
by suming
Thu Jul 11, 2013 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talking With My Sister About Investing and Risk
Replies: 22
Views: 1712

Re: Financial Literacy Must Be Taught!

I'd love to see your material too, ThePrune. Having children aged 21, 17, and 15, I've always wanted to teach them financial management. Recently my daughter graduated from college. I have thought about putting up some basic info together for tennagers. My ideas are starting with asking them some in...
by suming
Wed May 29, 2013 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Literacy Must Be Taught!
Replies: 55
Views: 3349

Re: I bonds for vacation and emergency fund

Where and how to buy I bonds? The interest is the same everywhere?
by suming
Mon May 06, 2013 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: I bonds for vacation and emergency fund
Replies: 14
Views: 1179

Re: Commercial Real Estate as an investment vehicle

I am interested in commercial real estate. However, my real estate experience is only on residential rentals. What is the mimimum amount cash to get in the door? I don't have inheritance so all I have is the money accumulated over the years.
by suming
Wed May 01, 2013 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Commercial Real Estate as an investment vehicle
Replies: 7
Views: 918

Re: How Fast to Pay Student Loans (Medical)

How did you get the 2%? From where?
by suming
Thu Apr 25, 2013 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: How Fast to Pay Student Loans (Medical)
Replies: 18
Views: 1495

Re: 50 yrs old couple -please advise on my investment

But, but
Every single fund I have has at least 9% YTD return except the bond fund which is 1.2%.

Oh, I remember now - I traded 83% of this 401K from the bond fund to another stock index fund on 2/4/2013. Do you think that's why?
by suming
Thu Apr 18, 2013 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3541

Re: 50 yrs old couple -please advise on my investment

THERE MUST BE SOMETHING WRONG WITH MY CURRENT EMPLOYMENT 401K - PERSONAL RATE OF RETURN FROM 01/01/2013 to today IS 2.6% ONLY PERSONAL RATE OF RETURN FROM 01/01/2012 to 04/05/2012 was 5.5%. First of all, I don't know if I need to continue this post because my info has been posted in the beginning, ...
by suming
Thu Apr 18, 2013 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3541

Re: Do we have enough to retire?

Hi, MnD
The best post ever...
Very curious how the OP's thought about that?
by suming
Fri Mar 15, 2013 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 106
Views: 13301

Re: Father considering cashing out 401K early -- market fear

I showed my husband the DVD 'The Smartest Guys in the Room' which was suggested by our fellow bogleheads. That worked for him - he used to own a large amount of one single stock. After watching that film, he sold half of that stock. You can borrow it from your local public library.
by suming
Tue Mar 12, 2013 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Father considering cashing out 401K early -- market fear
Replies: 34
Views: 2483

Re: 50 yrs old couple -please advise on my investment

I am posting this one to thank everyone of you - My DH finally agreed on selling half of his current company stock (19%) and all of the other prior employer stock (15.6%) last Thurday. Grt2bQutdoors, Postmon, JW Nearly Retired, fh2000, Aptenodytes, Watty, Buckybadger, Peter Foley, and Blacktupelo: Y...
by suming
Tue Feb 19, 2013 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3541

Re: Deciding college for High School Graduate

being careful not to push family assets above the protection limit.


I am wondering what you mean by 'not to push family assets above the protection limit'? I have one in college and two more to go.
by suming
Tue Feb 12, 2013 11:52 am
 
Forum: Personal Consumer Issues
Topic: Deciding college for High School Graduate
Replies: 65
Views: 4202

Re: PRPFX - vs bonds, TIPS, total stock

Hi, ps56k I found your chart so powerful. Just wondering if you will do this every year around the same time, like now. I have been always wondering about their performance before, during and after the crash but can't figure out what I am looking for. Your chart is exactly what I have been looking f...
by suming
Mon Feb 11, 2013 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: [Permanent Portfolio fund] PRPFX-vs bonds, TIPS, total stock
Replies: 9
Views: 1039

Re: Tax Help with Backdoor Roth Conversion

SSSS, I was shocked too when I received 1099R in the mail last week. My husband and I file 'married joint tax' and 'Marginal AGI' was aruond the broader line of 17,500 for 2012. Therefore, I tested the water by transfer 500 from my checking account to Traditional IRA, then transfer to Roth IRA. Both...
by suming
Tue Jan 29, 2013 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Help with Backdoor Roth Conversion
Replies: 7
Views: 575

Re: 50 yrs old couple -please advise on my investment

Thanks, Larry. I am getting the books for my husband tonight. Hopefully he will be willing to read them. I will read them for sure.
by suming
Mon Jan 28, 2013 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3541

Re: 50 yrs old couple -please advise on my investment

I was smiling while reading your post, JW. My DH is 'in love' with his company stock. He has experienced 'splits' twice, one with his current company and the other with prior employer. At this point in time, he did gain profits $$ 'on paper' on both cases. Like you've said, hopefully others here wil...
by suming
Fri Jan 25, 2013 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3541

Re: 50 yrs old couple -please advise on my investment

Hi, fh2000
My DH and I have numerous discussions on this. He is expecting the stock price will go up again...
by suming
Thu Jan 24, 2013 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3541

Re: 50 yrs old couple -please advise on my investment

Thanks for the info, Aptenodytes. I will share it with him tonight. Another strong arguement he has is 'he is waiting for the split so he will be having more than 4000 shares over night'. Is there any theory as far as how to predict some stocks will split or will never split? This sounds a very funn...
by suming
Thu Jan 24, 2013 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3541

Re: 50 yrs old couple -please advise on my investment

This is Sumnig - the OP. I am wondering if my bond fund investment and contribution on PIMCO is too way too high. There is another post : Moving from Total Bond to Short Term Investment Grade. And the more I read it, the more I want to move toward that direction. Please help me, bond experts here.
by suming
Thu Jan 24, 2013 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3541

Re: 50 yrs old couple -please advise on my investment

Peter Foley
Where do I find the Callan table?
by suming
Thu Jan 24, 2013 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3541

Re: 50 yrs old couple -please advise on my investment

BuckyBadger, You are not negative at all. This is the reason that I can't sleep well and the reason why I posted it here. Many earlier posters also point it out and I knew it. I just don't know how to solve it. That's why I need some real examples instead of some hypothesis. For example, he refused ...
by suming
Thu Jan 24, 2013 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3541

Re: 50 yrs old couple -please advise on my investment

grt2bOutdoors,
Thanks for the examples. I will call couple of our friends who are still working at GE tonight. How about the 150 years old company? Do we allow to say that company name here? Please forgive me if the answer is no.
by suming
Thu Jan 24, 2013 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3541

Re: 50 yrs old couple -please advise on my investment

Watty,
We both are US citizens and plan on 'paying tax in US'. We will come to visit our children each year. Does that consider we are living in the US and traveling in other countries?

Regarding the allocation %, what is your suggestion? My goal is to accumulate to 'two comma' by year 2021.
by suming
Thu Jan 24, 2013 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3541

Re: 50 yrs old couple -please advise on my investment

JW, I've just spoken to him and the answer is ' no. they are all good companies and their stock are all rising now'. grt2bOutdoors,my DH will totally agree with you. Honestly, I do too. However, it's not Apple or Microsoft. It (37%) just not a good thing. Aptenodytes, I will show the link to my DH t...
by suming
Thu Jan 24, 2013 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3541

Re: 50 yrs old couple -please advise on my investment

Thanks for everyone's reply. I've always learn so much from this forum. Regarding my DH company stock issue, I guess I need to find a better way to convince him. Especially when the stock market is rising, he simply wishes that he had not listened to me for the last 4 months. That way, he would have...
by suming
Thu Jan 24, 2013 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3541

50 yrs old couple -please advise on my investment

Hi, I am pretty new to the forum. Reading some financial magazine in my son’s orthodontics office while waiting, I wrote down the website name and started my learning journey about a year ago. This is the first post that I try to use the format. Please let me know if I need to provide more info and ...
by suming
Wed Jan 23, 2013 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3541

2nd Hand clothing but top quality

Is there anybody here who know websites to purchase good quality 2nd hand clothing?
by suming
Wed Jan 16, 2013 1:17 pm
 
Forum: Personal Consumer Issues
Topic: 2nd Hand clothing but top quality
Replies: 3
Views: 424

Re: To go - Family trip to Costa Rica

Hi, texasdiver
I'd like to see your pictures. I am pretty new here. How to get to see them? What is PM?
by suming
Fri Jan 11, 2013 12:42 pm
 
Forum: Personal Consumer Issues
Topic: To go - Family trip to Costa Rica
Replies: 10
Views: 1577

Re: One More Social Security Question --- Please

My husband and I are having pretty much the same SS amounts and similar health situation (his mother died as age of 63, 8 years after diagnosed of diabetics and he has diabetics too). The only difference is he is 2 year older than me. Do I use different strategy? (Sorry, OP. I don't mean to interrup...
by suming
Fri Jan 11, 2013 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: One More Social Security Question --- Please
Replies: 13
Views: 1444

Re: general opinion on how we are doing

At some point you may want to deal with the real estate issue. That will result in a big increase in your taxable holdings.


I don't know why the real estate will result in a big increase in the taxable holdings. The real estate is cash-in-flow from the rental income, isn't it?
by suming
Thu Jan 10, 2013 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: general opinion on how we are doing
Replies: 25
Views: 1946

Re: Winter getaway to Central America

Never been to Costa Rica (yet), but I spent some time in Panama a few years ago and it was awesome. From what people have told me, Panama is what Costa Rica was like years ago before all the tourists came. There was lots to do, and it was one of the cheapest vacations I've ever taken. Climber2020 Wo...
by suming
Wed Jan 02, 2013 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Winter getaway to Central America
Replies: 19
Views: 2300

Re: To go - Family trip to Costa Rica

This is the OP.
Thanks for everybody's contribution. As far as the budget, texasdiver, would you please provide some rough numbers $$ about those activities? I got the basic idea about how much $$ the rental car and the living place cost.
by suming
Sat Dec 29, 2012 10:09 pm
 
Forum: Personal Consumer Issues
Topic: To go - Family trip to Costa Rica
Replies: 10
Views: 1577

To go - Family trip to Costa Rica

Hi, my fellow Bogleheads Back in November, I've had posted 'to go or not to go - family trip to Europe'. Those wonderful suggestions are highly appreciated and well kept in my file for the future references. During our outing to Chicago at Christmas, we (including the kids) had a thorough discussion...
by suming
Thu Dec 27, 2012 6:25 pm
 
Forum: Personal Consumer Issues
Topic: To go - Family trip to Costa Rica
Replies: 10
Views: 1577

Re: To go or not to go - family trip to Europe

Thanks, everyone, for all kinds of suggetions. Every post helps to shape this trip. Caduceus, would you please offer more your experience about 'travel like a student'? And anyone has info about Barcelona, Spain?
by suming
Fri Nov 30, 2012 10:42 am
 
Forum: Personal Consumer Issues
Topic: To go or not to go - family trip to Europe
Replies: 81
Views: 4866

Re: To go or not to go - family trip to Europe

I so appreciate everyone's post... Can't say enough to express my thankfulness. My thoughts have been cleared up - you should all see me nodding my head all the way while reading. (I should have used 'experencing' instead of 'educational' :) in my writing.) Sorry about my mistakes. Now I only need t...
by suming
Thu Nov 29, 2012 2:16 pm
 
Forum: Personal Consumer Issues
Topic: To go or not to go - family trip to Europe
Replies: 81
Views: 4866

To go or not to go - family trip to Europe

I’ve been thinking about a family trip to Europe in summer next year. We have three children, 21, 17, and 15 years old. My daughter will graduate from college next summer and my son will graduate from high school. When they are getting older, I figure we probably won’t have many opportunities to tra...
by suming
Thu Nov 29, 2012 11:20 am
 
Forum: Personal Consumer Issues
Topic: To go or not to go - family trip to Europe
Replies: 81
Views: 4866

Re: Taiwan Local Chapter

:sharebeer
Very happy to hear the good news!!
- I moved from windy city, Taiwan to another windy city, US about 20 some years ago -
Taiwan is such a friendly country. Can't wait to move back there in retirement.
by suming
Wed Nov 28, 2012 3:50 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taiwan Local Chapter
Replies: 47
Views: 5494

Re: FAFSA (Free Application for Federal Student Aid) questio

Please explain what you mean by "floating issue". I am not familiar with it either. Floating means you got a high amount of financial aide from the school for freshman year - $16k in my daughter's case. So we thought we could afford to send her to the school. It's 8K for the 2nd year, and ...
by suming
Tue Sep 25, 2012 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: FAFSA (Free Application for Federal Student Aid) question
Replies: 10
Views: 867

Re: FAFSA (Free Application for Federal Student Aid) questio

I appreciate so much for everyone's reply. :happy
by suming
Mon Sep 24, 2012 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: FAFSA (Free Application for Federal Student Aid) question
Replies: 10
Views: 867
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