Search found 15139 matches

by Grt2bOutdoors
Fri Feb 24, 2017 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Would I have legal standing? Severence
Replies: 12
Views: 1645

Re: Would I have legal standing? Severence

jimmy123 wrote:Every severance policy i have ever seen has been totally at companies discretion.

I assume I am getting $0 and plan accordingly.

+1 - same here, save early, save often, keep a good chunk of it in easily liquid investments including cash.
by Grt2bOutdoors
Fri Feb 24, 2017 7:24 am
Forum: Investing - Help with Personal Investments
Topic: In a bit of a pickle as executor with individual stocks
Replies: 14
Views: 873

Re: In a bit of a pickle as executor with individual stocks

I would sell them. How good picks can they be if he lost over 10% is a big up market? As good as holding an index find that falls out of favor with the market. It happens, the portfolio of picks was concentrated in energy and interest rate sensitive entities (the wrong kind in a rising rate environ...
by Grt2bOutdoors
Fri Feb 24, 2017 12:49 am
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 53
Views: 2997

Re: risk of my Tesla deposit

Unsecured general creditor unless your contract stipulates you have a lien on an asset of the general corporation (likely not). If you are seriously worried about $1K, when you have much larger amounts are risk in more volatile accounts....... :confused :?: I think that's a little unfair. The money...
by Grt2bOutdoors
Thu Feb 23, 2017 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 53
Views: 2997

Re: risk of my Tesla deposit

Unsecured general creditor unless your contract stipulates you have a lien on an asset of the general corporation (likely not). If you are seriously worried about $1K, when you have much larger amounts are risk in more volatile accounts....... :confused :?:
by Grt2bOutdoors
Thu Feb 23, 2017 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Invest or pay off mortgage?
Replies: 8
Views: 664

Re: Invest or pay off mortgage?

Plain and simple - what is your Federal Tax Bracket? Do you pay state taxes? Does the state you reside in permit you to deduct mortgage interest? if yes, then please list your state tax bracket as well. How old are you? Any plans for early retirement? How many years left on original mortgage - ie. t...
by Grt2bOutdoors
Thu Feb 23, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a new house -- Are we being stupid to consider it?
Replies: 29
Views: 2465

Re: Purchasing a new house -- Are we being stupid to consider it?

by "father out" how much are you going to increase your commute? And is that going to negatively impact family time?? Were are you? Guessing on prices either NY/NJ or CA bay area? Any were else and I think you are nuts to be paying that kind of price. How many families can afford a mil ho...
by Grt2bOutdoors
Thu Feb 23, 2017 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: In a bit of a pickle as executor with individual stocks
Replies: 14
Views: 873

Re: In a bit of a pickle as executor with individual stocks

Sorry for your loss. You may be her fiduciary, as such, it is in your best interest to liquidate those holdings. Many of them are not common stocks, instead they are limited partnership units in a master limited partnerships. The main attractant for those who typically speculate in such entities is ...
by Grt2bOutdoors
Thu Feb 23, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: At what point is a used car worth it
Replies: 17
Views: 1271

Re: At what point is a used car worth it

When you can find a gently used - used car that has been in zero accidents, preferably one owner, has low mileage for age, all service records up to date, newer tires, is a car to your liking, has good reliability in lasting a long time, not costly to maintain - I think Japanese when I say this (I d...
by Grt2bOutdoors
Thu Feb 23, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card limits
Replies: 16
Views: 1157

Re: Credit card limits

$30K and they keep offering to raise it :confused - not like I'm going to go out and buy a car with it. ... Don't rule it out. Was nice to get the points when I bought my new Fit... :D Easier than withdrawing cash or getting a cashiers check. (Many/most dealers will balk though.) Yeah, the dealers ...
by Grt2bOutdoors
Thu Feb 23, 2017 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Stay in cash until rates rise?
Replies: 27
Views: 2338

Re: Stay in cash until rates rise?

You should look closely at any bond fund you're considering. Many of them already hold substantial cash (or near cash) positions in anticipation of higher rates to come. If they are, they may be in violation of their own investment charter. Index funds follow indexes, they hold minimal amounts of c...
by Grt2bOutdoors
Thu Feb 23, 2017 9:10 pm
Forum: Investing - Theory, News & General
Topic: How to Rebalance with Rate Hikes Looming
Replies: 14
Views: 1447

Re: How to Rebalance with Rate Hikes Looming

My dilemma is that the Fed is telegraphing as many as three rate hikes this year. Bond traders already know this, and they trade bonds at prices which reflect expected rate increases. For example, Short-Term Bond Index is yielding 1.63%, and Intermediate-Term Bond Index is yielding 2.76%. Bond trad...
by Grt2bOutdoors
Thu Feb 23, 2017 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Stay in cash until rates rise?
Replies: 27
Views: 2338

Re: Stay in cash until rates rise?

Pre-pay home mortgage will free your cash flow. You can use this cash flow to fund any purchase. I mean DCA into the market. Suppose you have stash a lot cash and fear a lump sum invest will do you bad. You only realize higher cash flow after the mortgage has been completely paid off. If you partia...
by Grt2bOutdoors
Thu Feb 23, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Stay in cash until rates rise?
Replies: 27
Views: 2338

Re: Stay in cash until rates rise?

You should look closely at any bond fund you're considering. Many of them already hold substantial cash (or near cash) positions in anticipation of higher rates to come. If they are, they may be in violation of their own investment charter. Index funds follow indexes, they hold minimal amounts of c...
by Grt2bOutdoors
Thu Feb 23, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Stay in cash until rates rise?
Replies: 27
Views: 2338

Re: Stay in cash until rates rise?

I will use money market fund to store cash. Or to the extreme, pre-pay mortgage (current rate is 4%). You get guaranteed 4% return w/o any risk. Not so, you exchange term risk for liquidity risk. You are locking up your money, home equity is illiquid, you can get a home equity loan but it will like...
by Grt2bOutdoors
Thu Feb 23, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Stay in cash until rates rise?
Replies: 27
Views: 2338

Re: Stay in cash until rates rise?

I would stay in cash in this rate increase phase. rate increase means your cash worth more while bond and stock worth less. If any date people are panic about rising interest, the market is going to correct. Then is the time to buy. You can call it market timing. But even W Buffet has 80 bil in col...
by Grt2bOutdoors
Thu Feb 23, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card limits
Replies: 16
Views: 1157

Re: Credit card limits

$30K and they keep offering to raise it :confused - not like I'm going to go out and buy a car with it. I find it's not how much you make that drives the credit offers, it's your credit score, utilization and an effort by bank to steal market share from other providers you may have a card with. One ...
by Grt2bOutdoors
Thu Feb 23, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Getting Serious About Retirement Savings/Investments
Replies: 15
Views: 1129

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. At the moment it's down. From December until today, it's gone from 92.50 to 81.37. The dividend is 3.71%. Global supply is unlikely to change substantially in the near term. W...
by Grt2bOutdoors
Thu Feb 23, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Asset Allocation - is this valid thinking?
Replies: 52
Views: 1968

Re: 529 Asset Allocation - is this valid thinking?

Not KlangFool - but, if you throw a "couple more bucks" in each of the plans's you may "overfund" the accounts. Your funding does not take into account the potential for academic/merit scholarship, attending a lower cost school or potential future innovation which drives down the...
by Grt2bOutdoors
Thu Feb 23, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Another can we afford home thread!
Replies: 49
Views: 2819

Re: Another can we afford home thread!

From being debt free, the plan seems like a giant step backwards. Laden with extra risk and cost. :arrow: +1 Agree. I understand the motivation but it seems to be weak since most folks do not deteriorate overnight requiring an imminent move-in for retirement. Usually, these things are planned out a...
by Grt2bOutdoors
Thu Feb 23, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Churchill Management
Replies: 7
Views: 624

Re: Churchill Management

Protecting the downside with what?; collars and puts? That is what folks used to call portfolio insurance only it doesn't always work as planned and can be costly as you are seeing in your mediocre results.
by Grt2bOutdoors
Wed Feb 22, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Getting Serious About Retirement Savings/Investments
Replies: 15
Views: 1129

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: 7
Views: 476

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: 11
Views: 549

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: 27
Views: 2691

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: 311

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: 80
Views: 4293

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: 56
Views: 4534

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: 2654

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: 2479

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: 8147

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: 476

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: 566

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: 476

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: 3590

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: 3590

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: 3590

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: 3590

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: 1414

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: 3590

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: 52
Views: 1968

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: 52
Views: 1968

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: 1172

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: 227

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: 1155

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: 544

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: 2125

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: 3624

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: 2697

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: 2229

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.

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