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Re: Advantage of 50/50 Wellington/Wellesley in Roth IRA?

Where is TREV with his Wellesley/Wellington dynamic duo charts when you need him? To check every stock in the Wellington portfolio Go to Vanguard (mutual fund section) Click on Wellington On the Overview page, go to the bottom right Just above "Buy" click on "Portfolio Holdings"...
by ugaDAWGS09
Wed Apr 09, 2014 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Advantage of 50/50 Wellington/Wellesley in Roth IRA?
Replies: 8
Views: 1381

Re: Advantage of 50/50 Wellington/Wellesley in Roth IRA?

So are you recommending me stick with index funds vs actively managed funds? I use index funds in my 401 but just really like the investments in wellington for my Roth. The expense ratio is still low and I personally don't mind some active managed funds. Just trying to decide if I should split my in...
by ugaDAWGS09
Tue Apr 08, 2014 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advantage of 50/50 Wellington/Wellesley in Roth IRA?
Replies: 8
Views: 1381

Advantage of 50/50 Wellington/Wellesley in Roth IRA?

Currently, my wife and I are both 100% invested in Wellington fund in our Roth IRA. I chose Wellington because it's a very stable fund, that has produced good results for several decades. However, I see where some people go 50/50 with Wellington and Wellesley in their accounts, is their an advantage...
by ugaDAWGS09
Tue Apr 08, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advantage of 50/50 Wellington/Wellesley in Roth IRA?
Replies: 8
Views: 1381

How often do you rebalance to maintain your AA

I was thinking about rebalancing once a quarter to keep my AA as close to desired as possible. How often do you like to rebalance your accounts?
by ugaDAWGS09
Tue Apr 08, 2014 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do you rebalance to maintain your AA
Replies: 35
Views: 1682

Re: How did you determine your "number" for retirement

Thanks, everyone. All kinds of good responses in this thread. My wife and I are a long ways from retirement, but it's interesting to hear from people who are there or who have a real plan in mind to reach their goal soon.
by ugaDAWGS09
Thu Apr 03, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you determine your "number" for retirement
Replies: 51
Views: 3300

Re: How did you determine your "number" for retirement

livesoft wrote:I figured out our annual expenses and multiplied by 25. Then I multiplied by 2 just in case of divorce. That's our number.


Seems simple enough. Annual expenses will be way less with no mortgage, however, I feel that our vacation expenses will at least double if not triple.
by ugaDAWGS09
Thu Apr 03, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you determine your "number" for retirement
Replies: 51
Views: 3300

How did you determine your "number" for retirement

My wife and I were joking around last night about retirement and she said what exactly is our number. I told her I wouldn't have a clue how to determine that, but that I did know some place I could ask. :wink:
by ugaDAWGS09
Thu Apr 03, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you determine your "number" for retirement
Replies: 51
Views: 3300

Re: Best rewards/travel credit card

I'm looking for a new credit card. I've narrowed it down to chase sapphire preferred, capital one venture, or MasterCard Barclay's arrival. I pay it off each month but want to take advantage of the miles/points. In the last few months, my wife and I have gotten all of those cards, as well as the St...
by ugaDAWGS09
Thu Mar 13, 2014 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 1935

Re: Best rewards/travel credit card

Thanks everyone for the help
by ugaDAWGS09
Wed Mar 12, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 1935

Re: Best rewards/travel credit card

I didn't want to get too many cards with annual fees tied to them. I always thought canceling a credit card could lower your credit.
by ugaDAWGS09
Wed Mar 12, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 1935

Re: Best rewards/travel credit card

I like Chase Sapphire Preferred. The ability to exchange points into programs like Southwest or Hyatt is awesome. I'm going to Europe this summer and booked $600/night rooms in Paris for $200 of points. How do you know the best way to exchange points in these other programs? Do certain programs wor...
by ugaDAWGS09
Wed Mar 12, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 1935

Re: Best rewards/travel credit card

by ugaDAWGS09 » Wed Mar 12, 2014 3:58 am travellight wrote: I think Chase has the best rewards; it allows 1:1 transfer to southwest, etc. Can you explain this better to me? Are you saying I can transfer all my points to a southwest flight? Would it be better to book using Chase Ultimate Rewards? Ye...
by ugaDAWGS09
Wed Mar 12, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 1935

Re: Best rewards/travel credit card

Starwood AMEX. No blackout periods and very good bang for the buck (USA Today had an article that indicated it was actually the best bang for the buck). For example, will be booking a room that would otherwise go for about $800/night for five nights using 80k points. I have also found very nice hot...
by ugaDAWGS09
Wed Mar 12, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 1935

Re: Best rewards/travel credit card

Best rewards/travel credit card Define "best". Why have you narrowed it down to the options in your OP? Give us a better understanding of what you're looking for. I think Chase has the best rewards; it allows 1:1 transfer to southwest, etc. One has to consider the transfer partners and th...
by ugaDAWGS09
Wed Mar 12, 2014 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 1935

Re: Best rewards/travel credit card

travellight wrote:I think Chase has the best rewards; it allows 1:1 transfer to southwest, etc.


Can you explain this better to me? Are you saying I can transfer all my points to a southwest flight? Would it be better to book using Chase Ultimate Rewards?
by ugaDAWGS09
Wed Mar 12, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 1935

Best rewards/travel credit card

I'm looking for a new credit card. I've narrowed it down to chase sapphire preferred, capital one venture, or MasterCard Barclay's arrival. I pay it off each month but want to take advantage of the miles/points.
by ugaDAWGS09
Tue Mar 11, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 1935

Quick Pen Fed CD question [Account balance]

Should I be able to see the amount in my Pen Fed growing over time? I opened the account and funded it about three weeks ago, but haven't seen the amount change in my balance yet. I was just confused as it says the CD earns interest daily.
by ugaDAWGS09
Tue Feb 18, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quick Pen Fed CD question [Account balance]
Replies: 8
Views: 704

Re: Should I sell my taxable to move it into Roth

Thanks for the advice. I'm going to give Vanguard a call and get it switched over.
by ugaDAWGS09
Sat Feb 15, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell my taxable to move it into Roth
Replies: 5
Views: 328

Re: Should I sell my taxable to move it into Roth

I didn't realize that contributing to a 401k lowered modified adjusted gross, so we actually came in a good bit below the phase out limit of combined income.
by ugaDAWGS09
Sat Feb 15, 2014 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell my taxable to move it into Roth
Replies: 5
Views: 328

Should I sell my taxable to move it into Roth

My wife and I just found out that we are actually eligible to add to our Roth IRA this year. We both started a taxable account last month of 5k a piece, but wouldn't it be a better idea to go ahead and sell that account and move the money into our Roth IRA? The tax hit would be very small now but wo...
by ugaDAWGS09
Sat Feb 15, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell my taxable to move it into Roth
Replies: 5
Views: 328

Re: MAGI question

Thanks a lot, I knew if I could subtract my 401k deductions I would be below the phase out range.
by ugaDAWGS09
Wed Jan 08, 2014 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: MAGI question
Replies: 7
Views: 704

MAGI question

I'm trying to determine if my wife and I can contribute to our Roth IRA for 2013, but always wait to see what our income total is as mine differs each year. This year our total income before any deductions was 185,700. How do I go about calculating my Modified Adjusted Gross to determine if I fall b...
by ugaDAWGS09
Tue Jan 07, 2014 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: MAGI question
Replies: 7
Views: 704

Re: Best bond fund for taxable account

Laura and Kevin thanks so much for your responses. I like the idea of the CD versus the bond fund. Also I'm going to start paying down my mortgage which is 3.875 so I consider that fixed income also since its a guaranteed return
by ugaDAWGS09
Sun Jan 05, 2014 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best bond fund for taxable account
Replies: 24
Views: 2274

Re: Best bond fund for taxable account

Can someone help me with the tax question? Is it more difficult to file taxes if I invest a fixed amount each week? Does vanguard provide a final number I can simply plug in to tax software like turbo tax?
by ugaDAWGS09
Sat Jan 04, 2014 11:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best bond fund for taxable account
Replies: 24
Views: 2274

Re: Best bond fund for taxable account

I'm not sure if Wellington is tax efficient in a taxable account. You don't want to pay capital gains taxes. You could probably do this depending on your asset allocation: Vanguard Total Stock Market Index Fund Admiral Shares Vanguard Total International Stock Index Fund Admiral Shares Vanguard Int...
by ugaDAWGS09
Sat Jan 04, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best bond fund for taxable account
Replies: 24
Views: 2274

Re: Best bond fund for taxable account

Thanks bulldog, I would love to just put in all into Wellington and let it ride, but I hate to take that hit on my bonds being in the higher federal tax bracket. I look at my account as a whole, but I try to keep the same allocation in each account (about 70/30). I know Wellington is a little more b...
by ugaDAWGS09
Sat Jan 04, 2014 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Best bond fund for taxable account
Replies: 24
Views: 2274

Re: Best bond fund for taxable account

So the intermediate term bond is preferred for the long term bond investor?
by ugaDAWGS09
Sat Jan 04, 2014 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Best bond fund for taxable account
Replies: 24
Views: 2274

Re: Best bond fund for taxable account

I'm also considering the I bonds but I honestly don't know anything about them or how they work so I will have to research them. Do you feel they're a better option than the tax exempt bond funds?
by ugaDAWGS09
Fri Jan 03, 2014 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best bond fund for taxable account
Replies: 24
Views: 2274

Best bond fund for taxable account

I'm planning on starting my taxable account fund next week. I have my tax advantaged accounts maxed out, and would like to start contributing more this year. I'm thinking of a 70:30 split, with the stocks being about 50% domestic, 20% international in Vanguard index funds. However, I would like to a...
by ugaDAWGS09
Fri Jan 03, 2014 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best bond fund for taxable account
Replies: 24
Views: 2274

Re: Should I pay down my mortgage or invest in a CD?

Thanks for the help in this thread. I'm going to put the money down on the mortgage, it will keep the wife happy, and help cut down about 1/8 of my mortgage which will save me a lot of interest going foward.
by ugaDAWGS09
Tue Oct 29, 2013 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I pay down my mortgage or invest in a CD?
Replies: 19
Views: 1586

Re: Should I pay down my mortgage or invest in a CD?

Personally I would pay off the mortgage. It's simple to understand, provides piece of mind if you are planning to stay put and ultimately gives you longer term piece of mind because you will own your home outright well before other people. How would the calculus change if one were not planning to s...
by ugaDAWGS09
Tue Oct 29, 2013 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I pay down my mortgage or invest in a CD?
Replies: 19
Views: 1586

Re: Should I pay down my mortgage or invest in a CD?

If you're willing to take some interest rate risk, Vanguard Long-Term Tax-Exempt is a very good option. It's called "Long-Term" but the duration is more like an intermediate fund at 7.4 years with an SEC yield of 3.38%. As long as you stick with your plan, that's a pretty good deal for 0....
by ugaDAWGS09
Tue Oct 29, 2013 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I pay down my mortgage or invest in a CD?
Replies: 19
Views: 1586

Re: Should I pay down my mortgage or invest in a CD?

If you're willing to take some interest rate risk, Vanguard Long-Term Tax-Exempt is a very good option. It's called "Long-Term" but the duration is more like an intermediate fund at 7.4 years with an SEC yield of 3.38%. As long as you stick with your plan, that's a pretty good deal for 0....
by ugaDAWGS09
Tue Oct 29, 2013 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I pay down my mortgage or invest in a CD?
Replies: 19
Views: 1586

Should I pay down my mortgage or invest in a CD?

My current mortgage is 3.875% fixed with about 28 years (200K) left? I'm in the 28% federal tax bracket, so is my effective mortgage rate 2.79%? The best 5 yr CD I can find is 2%, which would be about 1.4% after taxes. If I'm doing my calculations correctly, wouldn't it make much more sense to pay t...
by ugaDAWGS09
Tue Oct 29, 2013 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I pay down my mortgage or invest in a CD?
Replies: 19
Views: 1586

Re: Anyone here use Vanguard CD's?

Thanks everyone for the help. I don't really understand how a CD can have a bid/ask split like a stock, but maybe that's why I should stick with non-brokered CD. I see Barclay's is currently offering a 2% 5 year CD which doesn't seem like a bad choice at all. I guess the main difference with brokere...
by ugaDAWGS09
Sat Oct 19, 2013 8:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone here use Vanguard CD's?
Replies: 27
Views: 3106

Anyone here use Vanguard CD's?

I see they have some 10 year CD's paying 3.35% yield which seems really good. I have some questions about them though. Do these rates fluctuate over time as interest rates change, and if so, what affect does rising rates rising on CD yields? Also, it seems you are buying these CD's through random ba...
by ugaDAWGS09
Fri Oct 18, 2013 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone here use Vanguard CD's?
Replies: 27
Views: 3106

Re: Taxable portfolio

I understand that bond funds are very tax inefficient, that's the reason I chose to go with the tax-free muni fund in my taxable account. Wouldn't that be the correct way for someone in the 28% federal tax bracket?
by ugaDAWGS09
Sat Oct 12, 2013 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable portfolio
Replies: 12
Views: 1015

Re: Taxable portfolio

Seems OK to me. Would you like to be even more tax efficient? Would you like to switch that tax-exempt bond fund in taxable with a bond fund in tax-advantaged? And switch an equity fund in tax-advantaged with an equity fund in taxable? I'm confused at how this would be more tax efficient, would it ...
by ugaDAWGS09
Fri Oct 11, 2013 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable portfolio
Replies: 12
Views: 1015

Taxable portfolio

My wife and I currently max out our 401k, and both are broken down about 70/30 (we will make too much this year for Roth). We have a good sum of cash in our savings account that isn't being used as an emergency fund. I was going to simply put it into the Wellington fund or one of the target retireme...
by ugaDAWGS09
Fri Oct 11, 2013 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable portfolio
Replies: 12
Views: 1015

Re: Best tax software for wash sale losses on stocks

Do these websites give you information that you can put into turbo tax?
by ugaDAWGS09
Sat Oct 05, 2013 7:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Best tax software for wash sale losses on stocks
Replies: 9
Views: 524

Best tax software for wash sale losses on stocks

I use Scottrade as my broker, and used H & R Block online tax software last year. When trying to transfer over my trades, the wash sale calculations were way off and cause a lot of headache. No one could seem to tell me how to fix it, so I did my best. Any good online software which works better...
by ugaDAWGS09
Fri Oct 04, 2013 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best tax software for wash sale losses on stocks
Replies: 9
Views: 524

Re: Are munis or total bond funds more affected by interest

since you know that interest rates will rise, it seems pretty dumb to invest in bonds at all. why not instead keep investing in an asset which you know will continue to increase in value? What option do you have other than a CD? I need something to go in the taxable portion of my investment account...
by ugaDAWGS09
Mon Sep 30, 2013 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are munis or total bond funds more affected by interest rate
Replies: 10
Views: 554

Re: Are munis or total bond funds more affected by interest

If you look at the duration of the bond fond it will give a good indication of the interest rate sensitivity. Total Bond Index fund has a duration of 5.5 years. Duration for Vanguard funds can be found on their website by selecting the fund and going to the Portfolio & Management tab. Depending...
by ugaDAWGS09
Mon Sep 30, 2013 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are munis or total bond funds more affected by interest rate
Replies: 10
Views: 554

Are munis or total bond funds more affected by interest rate

With an impending rise in interest rates would it be better to invest my bonds in a total bond fund or intermediate term municipal bonds? I'm not great when it comes to understanding bonds and yield along with interest rates. My purchase will be for the long term.
by ugaDAWGS09
Sun Sep 29, 2013 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are munis or total bond funds more affected by interest rate
Replies: 10
Views: 554

Can someone explain why Wellington is so bad for taxable

I have been looking at different funds and their after tax-returns. If you compare Wellington (VWELX) and tax-managed balanced (VTMFX). The 1 year returns are below: 1 year VWELX 13.26 (12.18 after tax) and VTMFX 7.92 (7.32 after tax) I know that state taxes aren't figured in, but the fund only lose...
by ugaDAWGS09
Fri Sep 27, 2013 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can someone explain why Wellington is so bad for taxable
Replies: 10
Views: 1935

Re: Will this be a good taxable account for me?

Anyone else have a better option for a fixed income option in a taxable account?
by ugaDAWGS09
Fri Sep 27, 2013 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Will this be a good taxable account for me?
Replies: 5
Views: 767

Re: General Muni Bond Fund vs. State Muni Bond w/ higher ER

So would you recommend the Short or Intermediate tax exempt Vanguard fund, and can you tell me the major pros/cons of each?
by ugaDAWGS09
Thu Sep 26, 2013 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: General Muni Bond Fund vs. State Muni Bond w/ higher ER
Replies: 4
Views: 510
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