Bogleheads

Yes, as op says, your friend's paranoia is _utterly_ unwarranted.

And the DCP money can't be taken away either. They could stop making contributions, or (more likely) require more contributions ...

Yeah, I think he's making up numbers. A very nice guy, but not the most rational debater.

kdm

I'm advocating that my mother-in-law get LTCI. Her brother opposes. His argument, below. Your response?

"As far as nursing homes go - there are 1.5 million residents today with avg.
lengt ...

1. Scum!

or

2. Hey those scum are making me money in the stock market!

kdm

Yes. Can be done. For most teachers though, contributing the max to both 403(b) and 457(b) means ramen MWF and ketchup and water (tomato soup!) the rest of the week.

But I'll check to make sure h ...

A friend of mine wrote to ask: 1. if he should open up either a 403b or a 457, and 2. which vendor he should use.

I feel like I gave him pretty good advice, but if others are willing to chime i ...

Agree with opponent process on this one. Also work at UC.

Run the numbers. Or post them here, and someone will run them for you. My guess: pension will win.

Congrats on the retirement!

k ...

Keep it.

But how would folks solve for y to complete this sentence?

where x = cost per year to maintain car.

When x is greater than y, buy a new car.

kdm

I have been maxing out both my 457 and 403b for the past two years. Starting in january, this will no longer be possible if I want to also pay rent and eat. Both of the tax-deferred spaces have iden ...

more importantly: Congratulations on the new arrival!

kdm

If Barry is right (and I think he is), then you should use another state plan. both of the ratios here can be cut in half. example: Illinois plan (be sure to use the indexed, not the "blended ...

Thanks! I knew I had done it before, but couldn't figure it out for the life of me.

Keith

So, last year I put in my modified coffeehouse portfolio into Portfolio Manager using fictional dollar amounts, just so i could see how it was doing at various times. (eg. 1000 each for SV, SB, LV, L ...

We do, but this year is the last year of doing 100 %. Our max with 403/457 and Roth is 76000 a year, and we just couldn't live if we kept doing that. It will probably drop to 15 or 20 thousand next ...

At 89 years old, I would much prefer a CD ladder to single company corporates.

What is the breakdown Stocks/Bonds that your mother has? I wouldn't want much at all in the way of equities at this p ...

_If_I keep my job, expecting no salary increase and a 15 % increase in coursework for that same money.

Wife won't lose her job, but getting an 8 percent pay cut.

Further pay cuts -- indetermin ...

I'm curious about your comment Laura. The bond portion of a TR fund wouldn't be taxable if one is living abroad? b/c of having no U.S. income? Is that it?

Keith

how about "Trev H's Lumper Trouncer."

kdd

Trev,

Thanks for all of your work in this area. I was already s/d, but am very much excited by the idea of reducing the number of funds without changing the risk/return profile appreciably. You s ...

d'oh!

Thanks for the information, Barry.

I guess I'll temper my irritation next time someone asks a question that can be answered by looking at the wiki.

Keith Embarassed

Our daycare is about 1500 a month. That includes a babysitter for "date night" (vital for relationship maintenance!)

You might consider checking the portfolio format link to get more com ...

I currently use the Illinois 529 plan for my daughter. It's quite reasonable in terms of its expense ratios. I understand that Ohio's plan is also very cheap. But doing some research (using the Wik ...

The most convincing tilter I know is William Bernstein. Four Pillars of Investing is easiest, and Intelligent Asset Allocator great, but challenging. (What is a binomial function, anyhow?)

Keith

Human resources can tell you if you qualify for a 457. Whether you decide to avail yourself of it depends on how long the taxable holdings can supplement your income. I made money on a house two ye ...

I think that the answer to the first question in your op is yes. You appear to not be maxing out your 403B (16,500 for this year), and can supplement your salary with the taxable money to be able to ...

Swensen likes Long Term treasuries for the nominal bonds. I don't, but I'm not as smart as him. LT's were good last year because of the flight to quality. His REIT exposure is also too rich for my ...

You would, needless to say, wipe the floor with the guy.

kdm

In light of this, is there anyone who is pulling out of the Illinois funds entirely? (even the indexed ones, where we bogleh's would naturally be)?

Keith

Conventional wisdom holds that 20 percent bonds is a minimum, at any age. (Benjamin Graham).

Remember that men, in particular, take more risks than they maybe should. I'm 70/30 at age 46, which I ...

First, read the bogleheads wiki on DCA v. Lump Sum http://www.bogleheads.org/wiki/index.php/Lump_sum_vs_DCA

But there are larger questions here. Why did you get out of the market in the first plac ...

What cost $192000 in 1966 would cost $538854.55 in 1981.

so says the inflation calculator.

kdm

I see that your wife has a 403b. Does she have a 457 as well? If the choices there are good to decent, that may be a place to shelter more of your income (might even kick your AGI down enough to qua ...

Livesoft is right to suggest reading a book or two, I think.

Stocks are risky, and may lose money (as we are all painfully aware). Knowing something about the history of the US stock market helps ...

The Pathway funds are nice for their simplicity. The REIT component is more than I would like myself, yes, but not b/c of current conditions (those conditions are already "priced in" -- tha ...

Looking at the funds you've just changed into, I'm suspecting you might have a case of recency bias. Not a sin, and very common. But TIPS and DFA emerging markets are both up year to date. Is that ...

You might consider the Pathway 2015 fund. It's 48/52 Stocks/Bonds. I'm guessing that might suit your risk tolerance, though only you can know for sure. If you did that, you would put all future con ...

The post would read something like this.

Her 403B
10 % (ICC Fund)
Her 457
10 % (UC TIPS Fund)
Her DCP
10 % (DFA Emerging Markets)
Her Roth
20 % (Total Stock Market Fund)
His 403B
20 % (S ...

ICC, UC Savings, and the ING CD are all considered "cash" or cash like instruments.

Although we don't have the percentages yet, it looks to me like there is possibly an excess of that k ...

Great! Now people can see the choices you have.

We'll need the current percentages, and your preferences for stock/bond split.

Probably you'll end up using a UC Pathway fund, or some Fidelity ...

don't have sufficient information on percentages in the Roths or 403b, but you could try something like this:

50/50 stock bond

30 % UC Domestic Equity
20 % UC International Equity
30 % UC TIPS ...

Hey there, fellow UC investor!

Welcome.

Here's the thing. Most of the time, people post too little information. You have both too much and too little. Go back and edit out the top holdings fo ...

Welcome the Forum!

Time is indeed on your side. Congratulations on your early start.

You are right, the taxes go up on the amounts that are above each threshold line.

We need more informatio ...

Let Vanguard do the rollover for you. If you try to do it yourself and mess up the paperwork, you can end up with a tax nightmare.

Keith

Many thanks to everyone! We'll head off to a store and see what she likes. She currently has an ultra-portable Dell that the cat puked on (really!). Helpful advice.

Keith

I know there have been other threads on laptops. I've looked at them, and they've been helpful.
My wife is looking for a new laptop. One that we are thinking about has a 13.3 inch screen. Has an ...

Bob's site is the best thing I've seen on decumulation.

That Hebeler book is the worst retirement/investing book I've read thus far. It's the financial equivalent of "Hey! you damn kids! ...

Love the moderation, and the civil tone that (mostly) results.

I can go be a conservative/socialist/liberal/green elsewhere.

Keith

Did look it up on the Fidelity/UC website. UC Bond fund is as below:.

High Yield,
<1%
Utilities,
4%
Financial,
8%
Foreign
Sovereign,
1%
Asset-Based
Securities, 12%
Industrial,
18%
...

I use the UC TIPS fund. I don't use the UC Bond fund. I'm sure it's fine, but I prefer treasuries to corporates, and I think the UC Bond fund has mostly corporates, if I remember rightly.

I'm 70/ ...

Small World indeed. though I only count 3 of us. Maybe we should have our own little UC bogleheads support group!

Keith