Search found 15119 matches

by Grt2bOutdoors
Wed Feb 22, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Getting Serious About Retirement Savings/Investments
Replies: 7
Views: 509

Re: Getting Serious About Retirement Savings/Investments

How much are the gains, if any in XOM? If you have losses or are flat, I would exit position and use proceeds to buy VTSAX.
by Grt2bOutdoors
Wed Feb 22, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Flexible Investing Options for Children
Replies: 4
Views: 261

Re: Flexible Investing Options for Children

Everything you want to learn about UTMA's can be found here: http://www.fairmark.com Life insurance is not an investment plan, it's insurance for those who have dependents who need financial guarantees. Your child will be in the Guiness Book of World Records if they have dependents at this early age...
by Grt2bOutdoors
Wed Feb 22, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Loss on Foreign Currency CD
Replies: 9
Views: 417

Re: Loss on Foreign Currency CD

Nate79 wrote:Wow. So a CD that not only lost the principle but also lost the interest over a 6 year period? What type of horrible investment are these?

When you play the currency markets you are likely to get burned. Even the big boys get burned.
by Grt2bOutdoors
Wed Feb 22, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: What are they trying to sell me here?
Replies: 23
Views: 1971

Re: What are they trying to sell me here?

Easy, when you hear the term "cash value" and guaranteed - it involves the use of high cost permanent life insurance and a nice fat commission for the broker - paid by you, of course. Term life insurance does not pay those fat commissions, nor can they afford to buy you steak with those th...
by Grt2bOutdoors
Wed Feb 22, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: What's my next move
Replies: 3
Views: 267

Re: What's my next move

Build up your emergency fund, 3 months is a bit light. Use your taxable account as your down payment fund.
by Grt2bOutdoors
Wed Feb 22, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 35
Views: 1883

Re: BH thoughts on Time shares

If you do go to the presentation, when the sales-shark starts the hard sell, tell them you waiting for your legal guardian to review the contract. Contracts are unenforceable when you have a court appointed legal guardian, anything you sign can be voided. :twisted:
by Grt2bOutdoors
Tue Feb 21, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 52
Views: 3897

Re: Is 60/40 too conservative for 31 year old?

Larry Swedroe said it best "invest based on one's need, ability and willingness to take risk". Don't underestimate the need to sleep well at night, nor that of marital harmony. :mrgreen: There is nothing wrong with 60/40 if that is what your Investment Policy Statement dictates.
by Grt2bOutdoors
Mon Feb 20, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: The need for bonds if I have a pension?
Replies: 43
Views: 2616

Re: The need for bonds if I have a pension?

Ah, yes, the thought of a "safe" pension. The thought I say because that is what teachers in other states thought or think they have, a well funded plan today, could be tomorrow's severely underfunded plan tomorrow. Always pays to have a Plan B. OP - now is the time to think about a Plan B...
by Grt2bOutdoors
Sat Feb 18, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner investor: start investing now or wait for a correction? [4-5 year timeframe]
Replies: 18
Views: 2448

Re: Beginner investor: start investing now or wait for a correction? [4-5 year timeframe]

Thanks for all the replies. The money is for a down payment on a house in 4-5 years time. I'm Irish and the saving account interest rates offered here are very poor and we also pay 39% tax on the interest we earn. Best case scenario I would earn around €1700 after tax with the 80K investment over 4...
by Grt2bOutdoors
Sat Feb 18, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: 1.3 million dollars in debt
Replies: 36
Views: 7904

Re: 1.3 million dollars in debt

As far as insurance, I have a term life policy on myself for 1 million. Also, all partners have a life insurance policy on eachother for buyout purposes. I need to look into some better disability insurance. Do you have dependents relying on your income? if yes, then $1 million in LI is nothing com...
by Grt2bOutdoors
Sat Feb 18, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Commercial Real Estate - LIBOR or 10 YR Treasury? Swaps?
Replies: 10
Views: 470

Re: Commercial Real Estate - LIBOR or 10 YR Treasury? Swaps?

Appreciate the input and some great points, so no positive swap experiences in here? To give you an overall view we have some other well capitalized real estate with staggered loan maturities so if we need capital I wouldn't envision having to pull from this property but after times like 2008 you n...
by Grt2bOutdoors
Sat Feb 18, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Inexperienced and starting to invest...suggestions on where to start?
Replies: 13
Views: 562

Re: Inexperienced and starting to invest...suggestions on where to start?

By the way, one more argument against investing in individual stocks. With only $1600 in play, even a couple trades to purchase your first investments will cost $16, or 1% of your portfolio. You are already putting yourself in a hole. You will also have to pay trade fees to cash out. Now you are at...
by Grt2bOutdoors
Sat Feb 18, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Commercial Real Estate - LIBOR or 10 YR Treasury? Swaps?
Replies: 10
Views: 470

Re: Commercial Real Estate - LIBOR or 10 YR Treasury? Swaps?

You play with fire when you buy a swap. If you choose Libor as base rate for mortgage, then in effect you are swapping floating for fixed after you close. If you want fixed, easier to just exercise 10 year t-note option. As for what Libor has done, in last 6 months, 1 and 3 month Libor have moved up...
by Grt2bOutdoors
Fri Feb 17, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3531

Re: Vanguard Web Site Down?

Angst wrote:I'm in now.


Finally got in.....hope it lasts (fingers crossed).
by Grt2bOutdoors
Fri Feb 17, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3531

Re: Vanguard Web Site Down?

I'm fine with the website crashing twice per year to pay rock-bottom fees. Not such a big deal Assume the market is down 40%, still fine with it? The point is, the most valuable, the most intrinsic worth of Vanguard is not the low expense ratio, it's the service and in this day and age, technology ...
by Grt2bOutdoors
Fri Feb 17, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3531

Re: Vanguard Web Site Down?

They are spending all their time and money on a new research center in Philly, why don't you first fix the problems you have with technology - you know, the real face of the company?? Business 101 - it takes a lifetime to earn the trust of your customers, it takes 5 minutes to lose it - well, severa...
by Grt2bOutdoors
Fri Feb 17, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3531

Re: Vanguard Web Site Down?

The Wizard wrote:They are trying to fix the 48 cent IRA shortfall problem!!
viewtopic.php?f=1&t=211306


:mrgreen: :twisted:
by Grt2bOutdoors
Fri Feb 17, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Inheritance advice
Replies: 17
Views: 1406

Re: Inheritance advice

Thank you all for the replies, really helps making me more comfortable with the decision to pay off the loan. As for the IRA's both are fully funded for 2016 & 2017, my plan is to contribute the max the 1st of January from now on. As a side note, is there anything else I should look into to try...
by Grt2bOutdoors
Fri Feb 17, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3531

Re: Vanguard Web Site Down?

Also can't get in. However, oddly, "is it down" shows the Vanguard site is *up*. Haven't seen that happen before (showing "up" when can't get in). RM Vanguard's front page is up. It's the back-end account pages that are down. That probably throws off Is It Down? Agree, front pag...
by Grt2bOutdoors
Fri Feb 17, 2017 9:32 am
Forum: Investing - Help with Personal Investments
Topic: 529 Asset Allocation - is this valid thinking?
Replies: 37
Views: 1200

Re: 529 Asset Allocation - is this valid thinking?

KlangFool - the money was a gift to the kid, not to the parents. The money belongs in either an UTMA or a 529 plan for kid, not in the parent's account.
by Grt2bOutdoors
Fri Feb 17, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: 529 Asset Allocation - is this valid thinking?
Replies: 37
Views: 1200

Re: 529 Asset Allocation - is this valid thinking?

80/20 - first 6 years Decide after those 6 years how you'd like to reset the allocation glide path, holding 100% equity is fine but only if you are comfortable with wide swings in value, both up and down. In 2008 - your $650 could have easily been worth $325 on March 9, 2009 (market low point), but ...
by Grt2bOutdoors
Fri Feb 17, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Investing Advice for Baby/Infant
Replies: 15
Views: 1167

Re: Investing Advice for Baby/Infant

Thanks for the tips/advice. I will probably go with both a UTMA and 529. I know it may be a bit over-aggressive to startup an account at 4 months old. However I am hoping to use the account to set an example for him. When he is older, I want to point back to the account to teach him about the impor...
by Grt2bOutdoors
Fri Feb 17, 2017 7:35 am
Forum: Investing - Help with Personal Investments
Topic: What else to consider?
Replies: 3
Views: 224

Re: What else to consider?

Please post your question in the format shown in my signature - Asking Portfolio Questions. Only then can you receive the proper response.
by Grt2bOutdoors
Thu Feb 16, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: MetLife Promise Whole Life Select 10
Replies: 16
Views: 1147

Re: MetLife Promise Whole Life Select 10

You are living in NYC, congratulations! Now the bad news, you will be hosed! For everything!!! Taxes, you are in the highest marginal brackets, you are subject to ACA, Medicare tax, food costs at the grocery store are much higher than elsewhere because you are carrying their overhead, property taxes...
by Grt2bOutdoors
Thu Feb 16, 2017 7:28 am
Forum: Investing - Theory, News & General
Topic: Thoughts on relocating market exposure to taxable account for TLH?
Replies: 8
Views: 538

Re: Thoughts on relocating market exposure to taxable account for TLH?

OP - set your preference to Specific Identification instead of average cost, then you can select which shares to sell from the account. Do it now , as it may take a day for system to update your preference.
by Grt2bOutdoors
Wed Feb 15, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Retaining Wall
Replies: 25
Views: 2106

Re: Retaining Wall

I had a 4ft by 50ft wall installed at my last house. Cost about 10k. They used Keystone block and also added geogrid to hold the soil. They used two layers of geogrid. Also added a good amount of crushed stone for drainage behind the wall. I think they went at least a foot back from the wall with s...
by Grt2bOutdoors
Wed Feb 15, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3613

Re: How do you handle switching your handbag?

Ladies, this has been an enlightening thread. The retail industry should read this to take pointers. :mrgreen:
by Grt2bOutdoors
Tue Feb 14, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Moving 20% into cash
Replies: 32
Views: 2684

Re: Moving 20% into cash

If I was 80/20 months ago, I will still end with 4% gain. But 100% AA is making me nervous. 80% is still a lot heavy tilt toward to equity. 60/40 is much more balanced I believe. But human are greedy. 60% seems never enough than 100%. You made the right move, OP. I recently rebalance because my IPS...
by Grt2bOutdoors
Tue Feb 14, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: Are stock valuations so high because interest rates are so low?
Replies: 28
Views: 2214

Re: Are stock valuations so high because interest rates are so low?

And when or if rates rise enough, the exit doors may not be wide enough to accomdate the stampede.
by Grt2bOutdoors
Tue Feb 14, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14485

Re: Why do you go to restaurants?

We rarely go out to restaurants. We've been to great, good and mediocre restaurants, high, medium and low priced. Most are not worth the money and time spent getting ready to go there. The biggest issue we have is we compare our cooking to that of the restaurant, they usually fail on taste (forget a...
by Grt2bOutdoors
Tue Feb 14, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 59
Views: 3236

Re: New cars or Pool?

My former neighbor just spent $15K for a new pool liner. My former neighbor spent on the order of no less than 2 hours per weekend come fall straining leaves out of his pool. My former neighbor has used his pool exactly 3 times in the 8 years he lived in the home. My former neighbor upgraded his liv...
by Grt2bOutdoors
Mon Feb 13, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on housing crash
Replies: 60
Views: 2927

Re: BH thoughts on housing crash

I really do not like the location of my property and would love to raise my 5 year old in a better location. Your 5 year old only gets one childhood. I would sell and move to a location that is best for him/her. +1, you make housing decision with two things in mind, health and welfare of occupants ...
by Grt2bOutdoors
Mon Feb 13, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Any advice for buying a Dr Office?
Replies: 15
Views: 1819

Re: Any advice for buying a Dr Office?

How many other chiropractor's in a 5-10 mile radius? What assurances does he provide he will not re-open a new office a few miles away and take customers with him? What out do you have if you don't like business, patients or working with him? Why is his practice worthy of a 10% markup/premium? Bigge...
by Grt2bOutdoors
Mon Feb 13, 2017 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have $0 in cash (except for bills), not even an emergency fund?
Replies: 45
Views: 2182

Re: Does anyone have $0 in cash (except for bills), not even an emergency fund?

In 2008-2009, I was in my office hearing from contacts that without fed intervention there would be no cash to pay vendors, customers who were selling mutual fund shares, no cash to make payroll, banks with no cash, yeah, just think about your atm cards not working. Not holding cash is a risk you ta...
by Grt2bOutdoors
Mon Feb 13, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with daughter's $100
Replies: 73
Views: 3926

Re: What to do with daughter's $100

Want to motivate her to save? If you have the means, make her an offer she can not refuse - for every $100 she gives you to invest, you'll match her $25 or $10 or what ever amount you see fit, just to get her going....
by Grt2bOutdoors
Sun Feb 12, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage is paid off, now what?
Replies: 28
Views: 2813

Re: Mortgage is paid off, now what?

I'm going to leave my 401k contributions at 12% I already have a taxable investment account. As far as EF, I had an amount based on what my monthly expenses were. I keep 12 months expenses & keeping it that. But I was thinking my EF should decrease slightly because my monthly bills are now less...
by Grt2bOutdoors
Sun Feb 12, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Investing a foundation's endowment
Replies: 15
Views: 1183

Re: Investing a foundation's endowment

Fixed income - take a look at Vanguard Intermediate-Term Bond Index, it's a 50/50 split between Corporates and Government Bonds. If liquidity is needed, reduce percentage of Intermediate Term Bond Index and swap into Short Term Bond Index (30% corporates/70% government bonds).
by Grt2bOutdoors
Sat Feb 11, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Show me the Money
Replies: 6
Views: 1205

Re: Show me the Money

I am not concerned about taxes. I am looking at creating income with reasonable risk. Target Retirement Income - 30/70 - that is the maximum equity exposure I would take for monies that were previously what I term "zero principal risk". Zero as in, you were never in any danger at all of e...
by Grt2bOutdoors
Sat Feb 11, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: About Wellington VWENX
Replies: 14
Views: 1500

Re: About Wellington VWENX

Wellington performed well compared to 60/40 stock/bond market portfolio in the past . But future outperformance is anybody's guess. Portfolio I 60% Total stock market 40% Total bond market Portfolio II 100% Wellington Portfolio I Portfolio II Start Year: 1972 1972 End Year: 2016 2016 Initial Amount...
by Grt2bOutdoors
Sat Feb 11, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Need sanity check for retirement portfolio planning
Replies: 1
Views: 268

Re: Need sanity check for retirement portfolio planning

I am trying to pack away as much retirement savings as possible as fast as possible (in order to try to become financially independent). Therefore, I plan to do the following (where contribution limits are given as an example using 2017 values): ⋅ Max out Roth IRA - $5,500 ⋅ Max...
by Grt2bOutdoors
Sat Feb 11, 2017 7:56 pm
Forum: Investing - Theory, News & General
Topic: 'Won the game', but what factors could potentially derail it?
Replies: 57
Views: 4290

Re: 'Won the game', but what factors could potentially derail it?

A surprising number of people own houses in earthquake prone areas that don't have earthquake insurance, and this is not just California. https://earthquake.usgs.gov/hazards/learn/images/2014hazmap-induced-lg.gif The same goes for potential flood and tsunami areas. A huge problem after a major disa...
by Grt2bOutdoors
Sat Feb 11, 2017 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: About Wellington VWENX
Replies: 14
Views: 1500

Re: About Wellington VWENX

I hold Wellington in my Roth IRA along with a few other funds. Over the long term it delivers. Looking at it from November 2016 to now, is IMO too short of a time horizon.
by Grt2bOutdoors
Sat Feb 11, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 101
Views: 8392

Re: How Much Cash Do You Actually Hold?

Since the crash in 2008/9, I have been ruminating on what the proper allocation to cash is. By "cash" I mean investments with no price risk (insured bank accounts and CDs, Treasury Direct-owned instruments, money market funds, etc., but not bond funds). So I keep about a 15-20% stake in c...
by Grt2bOutdoors
Sat Feb 11, 2017 11:00 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1288
Views: 210673

Re: What are you up YTD? [Year To Date]

My results for 2016: Overall portfolio IRR +6.7% (AA 70-30, EU investor, age 37) I see people congratulating themselves on a good year 2016, I hope they're all in retirement. Personally at this stage of my life I only see prices going up and am thinking "this is expensive, I hope this goes dow...
by Grt2bOutdoors
Sat Feb 11, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: 'Won the game', but what factors could potentially derail it?
Replies: 57
Views: 4290

Re: 'Won the game', but what factors could potentially derail it?

'(May be 30 X their annual income or something similar) I sorted stopped reading here because 30X Income is so unrealistic for the vast majority I think you need a better definition of "Won The Game". Why is that "so unrealistic" for people? I doubt that most BHs would say that ...
by Grt2bOutdoors
Sat Feb 11, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Saving for college for 2 kids: 3 and 0
Replies: 80
Views: 3144

Re: Saving for college for 2 kids: 3 and 0

You need 20-25x expenses less Social Security (it will be there, don't worry) to enjoy retirement. Another way to view it is 4 percent of total retirement assets withdrawn annually. Forget about multiples of income, it's expenses that count. Aha! That's the number I was looking for. Makes sense. I ...
by Grt2bOutdoors
Fri Feb 10, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for daughter question?
Replies: 16
Views: 1188

Re: Investing for daughter question?

My grandparents set aside money for me and my siblings every year in the total stock market index (1980s and 1990s). It worked out wonderfully. Sure it's a volatile fund, but over the long term I think you'd be hard pressed to find a better spot for the money, especially in a taxable account. I sti...
by Grt2bOutdoors
Fri Feb 10, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for college for 2 kids: 3 and 0
Replies: 80
Views: 3144

Re: Saving for college for 2 kids: 3 and 0

You need 20-25x expenses less Social Security (it will be there, don't worry) to enjoy retirement. Another way to view it is 4 percent of total retirement assets withdrawn annually. Forget about multiples of income, it's expenses that count.
by Grt2bOutdoors
Fri Feb 10, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: Total Bond is safe. Is it prudent?
Replies: 39
Views: 3887

Re: Total Bond is safe. Is it prudent?

Use equities to take risk, use bonds to protect principal. I don't hold bonds with the expectation of "making" money, I hold with expectations of "keeping it".

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