Search found 11 matches

by ladybug810
Mon Jul 28, 2014 1:28 pm
Forum: Personal Investments
Topic: Resources to learn more about taxable mutual fund accounts?
Replies: 1
Views: 354

Resources to learn more about taxable mutual fund accounts?

Hi all, I am interested in opening a taxable mutual fund account with Vanguard and am looking for some resources to learn more about taxable accounts. I've read Bogleheads Guide to Investing , and plan to reread that section of the book. Can anyone recommend other resources? This account is for mid- to long-term savings. We're maxing out our retirement accounts, our home is paid for, our daughter's college education is saved for, and we have a six-month emergency fund. Now we need a place to save extra income until we have a large expense. On average, we'll likely add $2-6k/month to this account (my husband's income is highly variable). Examples of furture purchases could be new carpet or a new furnace within the next 5 years, possibly wedd...
by ladybug810
Mon Mar 19, 2012 7:36 pm
Forum: Personal Investments
Topic: Rolling stock from old 401k plan to brokerage account
Replies: 7
Views: 625

Re: Rolling stock from old 401k plan to brokerage account

Thanks, everyone. I sure learned a lot from reading the links posted. I did speak with a rep at Vanguard today and she said whether or not we could rollover the stock depended upon how the plan rules were written. What's posted online makes it look like it's allowed, but the Vanguard rep said we'd still need to contact the former employer for the appropriate paperwork and to make sure I'm reading the plan rules correctly. I'm making progress!
by ladybug810
Sun Mar 18, 2012 3:52 pm
Forum: Personal Investments
Topic: Rolling stock from old 401k plan to brokerage account
Replies: 7
Views: 625

Rolling stock from old 401k plan to brokerage account

My husband has a 401k account from a previous employer at Vanguard. I've finally been able to convince him to rollover that 401k account into a rollover IRA so we'll have better investment options to choose from. In the 401k plan is about $20,000 of company stock from his previous employer. While I detest holding single stock, he really wants to keep it. Since it's a small percentage of our overall portfolio, I agreed to lose that battle for the sake of "winning the war". (I've been trying to get him to rollover his old 401k into an IRA for six years! I've also been able to get him to agree to an asset allocation plan and to invest in index funds. Even though I've been the hands-on money person in our marriage, he has a difficult ...
by ladybug810
Mon Mar 12, 2012 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to screen roofers for my home?
Replies: 17
Views: 2429

Re: Best way to screen roofers for my home?

We replaced our roof last summer and also had success using Angie's List. We still had several estimates done, though.
by ladybug810
Mon Mar 05, 2012 8:44 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1565085

Re: What Book Are You Currently Reading? Part V

At, home I'm reading The Emperor's New Drugs by Irving Kirsch. In the car (audiobook, of course!) I'm about halfway through Straight Talk on Investing by Jack Brennan.
by ladybug810
Sun Mar 04, 2012 9:13 pm
Forum: Personal Consumer Issues
Topic: Question for bogleheads with no kids
Replies: 225
Views: 22221

Re: Question for bogleheads with no kids

If you really want kids, I think you should go for it. Plenty of people still manage to become wealthy in spite of having kids. (And plenty of folks with no kids are broke.) I'm 38 and have never wanted kids. Not for a nanosecond. My husband has a daughter from his first marriage who is a junior in high school and lives about 20 minutes away with her mom. Sadly, their relationship is distant (thanks to the ex, and in spite of the repeated efforts of my husband). You just never know how things will turn out. Every time I hear someone say, "but who will be there for you when you're old?" I think of the many friends and co-workers whose kids are broke, irresponsible and live many states away. When I was in high school, I worked in a ...
by ladybug810
Sun Mar 04, 2012 9:05 pm
Forum: Personal Consumer Issues
Topic: Cross Country Relocation
Replies: 8
Views: 1477

Re: Cross Country Relocation

For the love of Pete, don't let cost be the deciding factor! When we moved from Seattle to North Carolina, someone gave me the advice to have movers come to my house, in person, to give me a quote. I was very impressed with United Van Lines, and we had an amazingly smooth move with them (we did all the packing ourselves). They were so professional and nothing was lost or damaged. One year later, we moved from North Carolina to Utah. Since my husband's work was slowing down, we put him in charge of finding a mover. He decided on Budget, because it was drastically cheaper and got a quote online. Well, Budget doesn't do long-haul moves, they subcontract. I begged him to forfeit the $1,000 deposit he paid and offered to stay behind with the hou...
by ladybug810
Sun Feb 26, 2012 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is budgeting necessary if you live a simple and frugal life?
Replies: 100
Views: 7949

Re: Is budgeting necessary if you live a simple and frugal l

There are a lot of people on this forum who have very good incomes and spend a lot less than they make. People who make $200K/yr with expenses that total $100K/yr can buy whatever they want when they need it. A budget is not necessary. Its harder for people that make $40K/yr and have $39K/yr in expenses. These folks likely need a budget. They don't post to this board very often. Or, in the case of my husband and I..... we have a very good income and spend a lot less than we make because we (through a budget) planned to spend less than we earn on our regular expenses, so we could plan what we wanted to do with the leftover money. 8-) I do see the point you were trying to make though, and know a lot of people in the latter category.
by ladybug810
Sun Feb 26, 2012 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Is budgeting necessary if you live a simple and frugal life?
Replies: 100
Views: 7949

Re: Is budgeting necessary if you live a simple and frugal l

I'm a very new Boglehead, but I too am surprised to see the number of folks who are able to save so easily without a budget! My sanity depends on budgeting, for several reasons. Thankfully, I'm enough of a nerd I actually enjoy it. :) 1. My husband's income is variable (he's in sales). In order for me to sleep at night, I have to know that we've prioritized our spending. We have no debt except a small mortgage, we're saving for retirement, and have a healthy emergency fund, but I still find the budget immensely helpful. I tracked our spending for years before doing a budget, and while it gave me a clear picture of what we were spending our money on, it didn't help at all with reaching our future goals. 2. I'm naturally more of a spender tha...
by ladybug810
Wed Feb 15, 2012 10:23 pm
Forum: Investing - Theory, News & General
Topic: Am I "young" or "middle aged"?
Replies: 28
Views: 10174

Re: Am I "young" or "middle aged"?

Watty wrote: When you have a few drinks you get sleepy and go to bed eary(and sleep).
It's official then...I'm middle aged. :shock:

I certainly feel young, thank God, but my husband and I need to kick our retirement savings into high gear if we want to retire with dignity. Overall, we're doing well financially, but there's room for improvement in the area of investing. I stumbled upon a review of Bogle's "The Little Book of Common Sense Investing" and found this site after reading the book. I'm thrilled to have found such a wealth of knowledge and experience here on these forums.

And I'm happy to see there is no shortage of humor. :)
by ladybug810
Wed Feb 15, 2012 7:17 pm
Forum: Investing - Theory, News & General
Topic: Am I "young" or "middle aged"?
Replies: 28
Views: 10174

Am I "young" or "middle aged"?

I'm currently reading "The Bogleheads Guide to Investing" and really enjoying it. In the chapter about asset allocation, there are recommended portfolios for different age groups. As ridiculous as this question sounds, I honestly don't know whether to consider myself young or middle aged! :o LOL I'm 38 years old.