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Re: Is Preschool worth it? for $5,000?

It sounds like your child is already getting a lot at home in terms of intellectual development, so I doubt that preschool will be value added in that area. If he has play dates from time to time, visits with relatives or neighbors or friends who have children close in age (within a few years), or p...
by thinkingmama
Wed Jan 16, 2013 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Preschool worth it? for $5,000?
Replies: 50
Views: 4149

Success changing 403b fund options

Just wanted to let those on this forum know that sometimes, the squeaky wheel really does get the grease. For two years, I have sent emails and letters to my HR department asking them to consider adding more low cost index funds to their fund menu at TIAA/CREF and Fidelity. Despite the fact both com...
by thinkingmama
Fri Jan 11, 2013 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: Success changing 403b fund options
Replies: 3
Views: 425

Re: Nearing Retirement...What about this Portfolio?

I think others have made good points. One thing that struck me was that you have bonds in a taxable account and equity funds in tax advantaged accounts. To the degree that you can, for tax efficiency, why not put all bonds in tax advantaged accounts and equity funds in taxed accounts?
by thinkingmama
Thu Nov 29, 2012 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nearing Retirement...What about this Portfolio?
Replies: 11
Views: 1888

Re: rethinking bond allocation

Thanks, Bob. I think that's a good point, and am now leaning strongly toward the intermediate term treasury index at Fidelity.

Do you know how to find out the average bond maturity in the US treasury market?
by thinkingmama
Fri Oct 05, 2012 6:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: rethinking bond allocation
Replies: 14
Views: 1125

Re: rethinking bond allocation

Swensen doesn't recommend long-term treasuries. This seems to be an issue with articles about his allocations. Some state that he recommends long-term, others state that he recommends short-term. His books aren't terribly specific, but the last time he was asked about it via email from a Boglehead ...
by thinkingmama
Fri Oct 05, 2012 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: rethinking bond allocation
Replies: 14
Views: 1125

Re: rethinking bond allocation

thinkingmama wrote:
Call_Me_Op wrote:
thinkingmama wrote:I've been reading Annette Tau...


Annette Thau has a pretty good bond book too. :wink:



That's what I've been reading... it's making my reconsider.



Just caught me own typo... apologies!
by thinkingmama
Fri Oct 05, 2012 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: rethinking bond allocation
Replies: 14
Views: 1125

Re: rethinking bond allocation

Here is where I got the mistaken impression that Swesen recommends long term bond index:

http://www.marketwatch.com/lazyportfoli ... -portfolio

Now I know better. Thank you, all.
by thinkingmama
Fri Oct 05, 2012 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: rethinking bond allocation
Replies: 14
Views: 1125

Re: rethinking bond allocation

Placenshow wrote:Based on your analysis above, does FBIDX (Spartan US Bond Index) warrant consideration?

I think that is an excellent idea. Thank you.
by thinkingmama
Fri Oct 05, 2012 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: rethinking bond allocation
Replies: 14
Views: 1125

Re: rethinking bond allocation

Swensen doesn't recommend long-term treasuries. This seems to be an issue with articles about his allocations. Some state that he recommends long-term, others state that he recommends short-term. His books aren't terribly specific, but the last time he was asked about it via email from a Boglehead ...
by thinkingmama
Fri Oct 05, 2012 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: rethinking bond allocation
Replies: 14
Views: 1125

Re: rethinking bond allocation

Call_Me_Op wrote:
thinkingmama wrote:I've been reading Annette Tau...


Annette Thau has a pretty good bond book too. :wink:



That's what I've been reading... it's making my reconsider.
by thinkingmama
Fri Oct 05, 2012 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: rethinking bond allocation
Replies: 14
Views: 1125

rethinking bond allocation

I've been reading Annette Tau and now I'm thinking I may want to reconsider the bond portion of our portfolio. I'm in my late 30's, spouse is in early 50's. We share all assets. 33% tax bracket, portfolio in high six figures. 30% is devoted to bond portion of portfolio, as follows: 50% TIPS fund at ...
by thinkingmama
Fri Oct 05, 2012 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: rethinking bond allocation
Replies: 14
Views: 1125

Re: What to do? Neighbor tree leaning over property line

We have a similar situation with a tree that is on our neighbor's property. The branches drop copious amounts of gooey berry like things onto our driveway. We have dealt with this by asking our landscaper to cut the branches that have grown over the property line onto our land back to the property l...
by thinkingmama
Wed Oct 03, 2012 12:32 pm
 
Forum: Personal Consumer Issues
Topic: What to do? Neighbor tree leaning over property line
Replies: 62
Views: 5588

Re: Road trips with infants

I think you have gotten lots of good advice. I have three young children and cannot see well at night, so I drive during daylight hours. The only thing I would add to what has already been said is this: there may be times when your child cries because s/he doesn't want to be sitting in the carseat a...
by thinkingmama
Thu Aug 02, 2012 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Road trips with infants
Replies: 22
Views: 2038

Re: How to fire your adviser

Great article. We fired our adviser last month. We sent an email explaining that we valued the input of our investing team, but noting how our interest in index investing had grown over recent years, and how we wanted to try this. There was a follow up phone call, and our adviser, who was a business...
by thinkingmama
Wed Jun 27, 2012 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: How to fire your adviser
Replies: 46
Views: 5109

Re: transferring assets to Vanguard, ? re: liquidating stoc

As it turns out, we have significant losses we are carrying over from last year that will cover all of our capital gains, so we are not concerned with tax consequences of selling all the stocks. One question, though. Our IRA comprises about 30% of our portfolio. REIT, TIPS, and LT bond fund comprise...
by thinkingmama
Mon Jun 11, 2012 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: transferring assets to Vanguard, ? re: liquidating stocks
Replies: 14
Views: 1097

Re: transferring assets to Vanguard, ? re: liquidating stoc

Thank you, Ducky and Zotty.

REITs are quite inefficient, per the Boglehead wiki, so would you think it best to put the REIT in the IRA and the long term bond index in the taxable account? Will likely reduce REIT to 15%.

Tx for your thoughts.
by thinkingmama
Sat Jun 09, 2012 7:10 am
 
Forum: Investing - Help with Personal Investments
Topic: transferring assets to Vanguard, ? re: liquidating stocks
Replies: 14
Views: 1097

Re: transferring assets to Vanguard, ? re: liquidating stoc

Tax bracket is 33%. Of the 54 stocks we currently hold, 12 have losses. Total capital gains, including losses from the aforementioned 12 stocks, is approximately 7.7% of our portfolio value.
by thinkingmama
Fri Jun 08, 2012 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: transferring assets to Vanguard, ? re: liquidating stocks
Replies: 14
Views: 1097

transferring assets to Vanguard, ? re: liquidating stocks

Hello. I have followed this forum for a couple of years and my husband and I have *finally* made the move from an actively managed account with a "wealth management" firm to Vanguard. This move accounts for nearly all of our money, although I do have a 403b at work which currently has abou...
by thinkingmama
Fri Jun 08, 2012 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: transferring assets to Vanguard, ? re: liquidating stocks
Replies: 14
Views: 1097

Re: getting out of a managed account

Sounds like, since I want to use Vanguard index funds, I need to sell everything (mostly stocks and a couple of proprietary funds that Vanguard won't offer) and use the cash to buy the funds I want through the mutual fund side at Vanguard. This means I am probably dependent on my advisor to do the s...
by thinkingmama
Tue Nov 22, 2011 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: getting out of a managed account
Replies: 25
Views: 1382

Re: getting out of a managed account

Thanks for your reply. Actually, most of our money is not in cash right now. Mostly, it's in individual stocks, some cash, a couple of managed funds (ugh) and some alternative investments. Hence my suggestion to sell everything at once, and put it into a taxable and a nontaxable cash account at Vang...
by thinkingmama
Tue Nov 22, 2011 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: getting out of a managed account
Replies: 25
Views: 1382

Re: getting out of a managed account

Well, Dave66 and Mrs. Feely, thank you for sharing your experiences. Mrs. Feely, that sounds like a real horror show. Really. Ick. Interestingly, after we signed forms to work with our advisor, we told him that actually, we didn't want to go forward, we preferred to go the indexing route. We got a v...
by thinkingmama
Tue Nov 22, 2011 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: getting out of a managed account
Replies: 25
Views: 1382

Re: getting out of a managed account

Thanks. I just backtested my proposed asset allocation with the simpler total stock market, total international, total bond allocation, suggested here and the difference is 0.77%. Not peanuts, but there's a lot to be said for simplicity, and it sure beats the 1.8% we're PAYING to have my money manag...
by thinkingmama
Mon Nov 21, 2011 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: getting out of a managed account
Replies: 25
Views: 1382

Re: getting out of a managed account

Thank you for your reply. I love the simplicity. What about REIT? Emerging markets?
by thinkingmama
Mon Nov 21, 2011 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: getting out of a managed account
Replies: 25
Views: 1382

getting out of a managed account

I am considering geting out of an account in which some of my assets and some of my partner's assets are managed by a firm. Most of our assets are managed by this firm. The reason we entered into the aforementioned relationship with this firm was that the investor is a friend/colleague and we like h...
by thinkingmama
Mon Nov 21, 2011 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: getting out of a managed account
Replies: 25
Views: 1382

better to index or diversify

Hello. My employer recently changed the choices available to me in my 403B through TIAA/CREF. I was disappointed to see that there are few TIAA/CREF funds left to choose from; they have moved over to JP Morgan, PIMCO, and a number of others. My question is: should I put the majority of my contributi...
by thinkingmama
Tue Apr 05, 2011 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: better to index or diversify
Replies: 3
Views: 735

Re: Is 2011 a good time to buy a house?

Good thoughts. Can you clarify for me whether your opinion is that we should lock into a 15 year fixed, or do a 30 year fixed and pay the monthly payments we would have on a 15 year fixed, thereby paying off the mortgage more quickly? My partner and I currently own a 3 bed 1 1/2 bed house with a sma...
by thinkingmama
Thu Mar 17, 2011 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Is 2011 a good time to buy a house?
Replies: 27
Views: 4431

Yes, that pretty much describes us as well. We seem to be bursting in our little 3/1.5 house, and we could build on (finish basement, add a bathroom upstairs and maybe a small study), but worry that doing this won't give us all the space we need, will cost 150K, and we won't see that money reflected...
by thinkingmama
Wed Mar 16, 2011 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is 2011 a good time to buy a house?
Replies: 27
Views: 4431

tx for replies

Tx for all the replies, they are all well reasoned, and you may be right about the price on the house we like; it may well sell above 820 (to a different buyer). It seems to us that entry level houses have declined in value less than higher end houses. We figure our house has declined about 6% since...
by thinkingmama
Wed Mar 16, 2011 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is 2011 a good time to buy a house?
Replies: 27
Views: 4431

timing of buying

Our house holds its value well, since it's a really nice "entry level" home -- exceptionally nice. Houses in the next bracket up -- 4 and 5 bedrooms with multiple bathrooms -- have not held their value as well. This means that the lower houses in this upsized bracket fall, the better shape...
by thinkingmama
Wed Mar 16, 2011 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is 2011 a good time to buy a house?
Replies: 27
Views: 4431

houses nearby

Interesting point. Our next door neighbor's house just sold, and was on the market for less than a week. It was priced right and very well maintained. A house in our town about a mile away was priced right, staged brilliantly, and sold in under a week as well. The house we want to buy has been on th...
by thinkingmama
Wed Mar 16, 2011 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Is 2011 a good time to buy a house?
Replies: 27
Views: 4431

Is 2011 a good time to buy a house?

My partner and I currently own a 3 bed 1 1/2 bed house with a small mortgage which we could easily pay off today if we were so inclined. We have 3 sons and are interested in selling our house and buying a larger house. We are struggling with with whether to take on the bigger mortgage and higher tax...
by thinkingmama
Wed Mar 16, 2011 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Is 2011 a good time to buy a house?
Replies: 27
Views: 4431

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