Search found 134 matches

by Misenplace
Thu Dec 14, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 495
Views: 47112

Re: Picking College and College Scholarships

Congrats to your son- he has already 3 great schools in the bag. It sounds as if he would be happy at any of these, so no matter what happens with his lottery schools, he is set.
by Misenplace
Mon Dec 11, 2017 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Making Best Use of Being in 15% Income Tax Bracket This Year
Replies: 22
Views: 2928

Re: Making Best Use of Being in 15% Income Tax Bracket This Year

Keep in mind, you may be able to roll your IRA into your 401k when you start your new job, and eliminate the problem posed by the pro rata rule for future ROTH back door contributions.

Sounds like you have a good handle on options for using up your 15% bracket space.
by Misenplace
Mon Dec 04, 2017 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Status Money website - good or bad?
Replies: 5
Views: 1010

Re: Status Money website - good or bad?

These polls are just collecting data on you. Data they can sell to the highest bidder who wants to learn how to better manipulate you in the future with respect to marketing, consumption, voting patterns, elections, etc. Do some research on psychographics and Big Data. You will see. Why would any bo...
by Misenplace
Sun Dec 03, 2017 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 158
Views: 21713

Re: Best Financial Moves You've Made

Choosing the right spouse. Hands down. When I reflect on the near misses, those whom I knew in my gut were not right, I’m glad I trusted my gut. I married the spouse who put us, our partnership, as a priority, and when the inevitable rocky times hit, we worked it out together. I feel blessed to have...
by Misenplace
Wed Nov 29, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 147
Views: 15192

Re: A good friend has nearly $1M in BitCoin what do I tell him?

him. Either way, he'll have a heck of a story to tell. Not this. Tell your friend to tell no one about have a fortune in Bitcoin. At least not until he diversifies and sells it. Something about this currency attracts criminal elements. I have heard anecdotally about early Bitcoin millionaires going...
by Misenplace
Tue Oct 31, 2017 9:34 am
Forum: Forum Issues and Administration
Topic: How to "follow" a thread of BH
Replies: 20
Views: 2307

Re: How do you follow your posts on BH?

Or click on the Quick links drop down menu at the top left to see “Your posts “.
by Misenplace
Tue Oct 24, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Attempted theft of bank funds via identity theft
Replies: 19
Views: 2614

Re: Attempted theft of bank funds via identity theft

It is ridiculously easy to obtain a fake driver's license with the perpetrator's photo and your name. The bank may be able to get a visual of the perpetrator from security footage if he/she opened the account in person.
by Misenplace
Thu Oct 12, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 5532

Re: Which Streaming Service/Live TV?

Thanks for the information everyone who chimed in. Also, that article Copper John mentioned is very helpful.
by Misenplace
Wed Oct 11, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 5532

Re: Which Streaming Service/Live TV?

YouTube tv sounds intriguing. Is it HD? Does it include BBC, PBS, ESPN? Those are pretty much all we watch besides Netflix. I would highly recommend YouTube TV if it's available in your market and the channel lineup meets your needs. In most if not all markets where it's available it includes the 4 ...
by Misenplace
Sun Oct 08, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Paternity/Maternity Leave & Its Influence on Career Trajectory
Replies: 23
Views: 1844

Re: Paternity/Maternity Leave & Its Influence on Career Trajectory

You owe it to yourself, your family, your team, and your company to take every day of paternity leave. The reasons for yourself and your family are self evident. The reason for your team is to set a good example and since you have set them up to perform well. The reason for your company is to let th...
by Misenplace
Mon Oct 02, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Bed Pillows
Replies: 15
Views: 1971

Re: Bed Pillows

Any pillow with memory foam will compress. The coop pillow contains shredded memory foam. (I wonder where is is sourced and why it is shredded?) Pillows made out of latex foam are far more resilient than any petrochemical-derived foam such as memory foam. In my experience, memory foam compresses wit...
by Misenplace
Tue Sep 12, 2017 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for 58 year old.
Replies: 23
Views: 2159

Re: Investment advice for 58 year old.

Put the TIPs in one of your tax advantaged accounts. There is a wiki on this (oh, how I love the wiki- thank you moderators):
https://www.bogleheads.org/wiki/Tax-eff ... _placement
by Misenplace
Tue Sep 12, 2017 12:24 am
Forum: Investing - Help with Personal Investments
Topic: Help me simplify
Replies: 20
Views: 2341

Re: Help me simplify

Thanks Earl, I didn't know that. Now Celia's advice, in its totality, makes sense.
by Misenplace
Mon Sep 11, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help me simplify
Replies: 20
Views: 2341

Re: Help me simplify

. NO. Keep your Rollover IRA separate from the traditional IRA especially if you've never "contaminated" the Rollover IRA with any money that didn't come from a previous employer plan. If that is the case, you could easily roll that Rollover IRA into your current (or a future) employer retirement p...
by Misenplace
Sat Sep 09, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help me simplify
Replies: 20
Views: 2341

Re: Help me simplify

On the college savings - I guess I feel like I'm a bit trapped. My kids won't qualify for any aid with our income, and it's so much more expensive than when I went. I feel your anxiety about the costs of college. But take a deep breath, and don't panic. I don't know what your kids stats may be, but...
by Misenplace
Sat Sep 09, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help me simplify
Replies: 20
Views: 2341

Re: Help me simplify

Welcome to the Forum! I'll offer my input on some of your questions. 1. Account allocation: should I change the way I’m contributing to the various accounts? a) I’m realizing that a Roth 401k is not a good idea in our tax bracket, so I should probably change my spouse over to a regular account. Any ...
by Misenplace
Wed Aug 23, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request - Need Help!
Replies: 7
Views: 987

Re: Portfolio Review Request - Need Help!

Thank you for the advice! I opened up an IRA account and Joint Account at Vanguard this week. I liquidated my Scottrade IRA with the ETFs and I liquidated about 10k of mutual funds from Scottrade self-directed IRA. Moving in 50k to Vanguard IRA and 10k to joint account. Maybe move another 10k in a ...
by Misenplace
Mon Jun 26, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: need help with portfolio and asset location
Replies: 8
Views: 1279

Re: need help with portfolio and asset location

Hi bogleboyz, In my opinion, simpler is almost always better, and certainly easier to stick with up and down over the years. Also, in your high tax bracket (39%), you certainly would not want REITs or small cap value (SCV) in your taxable account. If you feel that you really want to hold REITs and S...
by Misenplace
Sun Jun 25, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Where to stay/what to do in Seattle
Replies: 18
Views: 1650

Re: Where to stay/what to do in Seattle

To Stay- try Capital Hill. It is a more interesting neighborhood to stay in than downtown. It feels youthful, lots of good restaurants, interesting shops (remember that song "ThriftShop"- it was about Capital Hill), yet still close enough to downtown and the ferry to walk (albeit a long walk, and up...
by Misenplace
Sun Jun 18, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Office Chair
Replies: 15
Views: 1622

Re: Office Chair

Human scale Freedom chair with headrest. You can find them used for about the same or less than an Aeron. I've never found a more comfortable chair. For me, more comfortable than an Aeron.
by Misenplace
Sun Jun 18, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: need help with portfolio and asset location
Replies: 8
Views: 1279

Re: need help with portfolio and asset location

Hi bogleboyz, You seem to have a great plan. I could not see any way to improve it. If I were starting with a clean slate and were your age, I think I would come up with something similar. However, I wondered what your current portfolio looked like, and whether there were any issues moving to this p...
by Misenplace
Sun Jun 18, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Inherited Assets, newly Semi-Retired
Replies: 13
Views: 1521

Re: Asset Allocation - Inherited Assets, newly Semi-Retired

EmmyLou, First, welcome to the forum! Your proposed 50:50 portfolio looks great to me and appropriate for your age and situation. I will take a shot at your two questions. 1. If you recently inherited the JnJ stock, then your cost basis is the market price on the date that the parent who willed it t...
by Misenplace
Fri Jun 09, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 5700

Re: (Very) Early Retirement vs Parenthood

I love children. I love our child. But I don't think a child completes anyone's life. If someone needs a child to complete their life, they are doing themselves, and that eventual child, a disservice. I am convinced that finding meaning for your own life outside of having children paramount. Childre...
by Misenplace
Tue May 30, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: New to the forum and retiring this fall
Replies: 55
Views: 6599

Re: New to the forum and retiring this fall

Life insurance is not completely tax free although you are right it is not included as taxable income to the beneficiary. However, if the OP is planning for his family, he needs to know that it is included in the estate of the deceased (in most situations-unless the deceased has set it up in a certa...
by Misenplace
Fri May 26, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 7854

Re: We have a lot going on .... Input Requested.

You may want to research whether you can access your spouse's retiree health care plan should you retire early, and what is the cost. I assume she works for a school district since she has a 403b, and many states provide this for their early retirees. This might be a good option to keep open for tha...
by Misenplace
Thu May 25, 2017 1:04 am
Forum: Investing - Help with Personal Investments
Topic: Seeking Investment Help Following an Inheritance
Replies: 6
Views: 1227

Re: Seeking Investment Help Following an Inheritance

JR, You are in great shape- you have invested early and wisely, and are well on your way. 1. Yes, the market is at an all time high. It was also at a high last year and still went up. I have no idea where it will go in the short term, but I have to believe that it will go up in the long term. Paying...
by Misenplace
Tue May 23, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Investment Help Following an Inheritance
Replies: 6
Views: 1227

Re: Seeking Investment Help Following an Inheritance

@brother7- the student loan is not the original poster's student loan- it is his girlfriend's student loan. They are not even engaged yet. It appears as if OP is helping her on managing the issue, but there is an ex-husband involved and unwise for OP to take care of her debts at this time. A lot can...
by Misenplace
Sun May 21, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Galapagos Trip, Suggestions
Replies: 23
Views: 2616

Re: Galapagos Trip, Suggestions

You must go with a guided tour in the Galapagos, including a certified guide. There are 3 levels of certification, and the best boats use guides with the best/highest certification. This is one such outfit. http://www.inca1.com/galapagos/ But if you want to dive, that would be a different boat. I wo...
by Misenplace
Mon May 15, 2017 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Setting a periodic transfer / Dealing with a fiscal beggar
Replies: 26
Views: 3020

Re: Setting a periodic transfer / Dealing with a fiscal beggar

Keep in mind the gift tax rules. You can give someone up to 14k a year before you must file form 709 (28k for a married couple):
https://www.irs.com/articles/7-things-y ... t-gift-tax

Otherwise, must say there is good advice above on how to do it of which I was unaware.
by Misenplace
Sun May 07, 2017 2:26 am
Forum: Investing - Help with Personal Investments
Topic: Rolling TSP into Roth IRA
Replies: 20
Views: 1682

Re: Rolling TSP into Roth IRA

Your friend is correct. Keep the TSP- it's a great plan. I wish I could access it. FYI, I have accounts at Vanguard, Fidelity, and a Merrill Lynch institutional plan. I would roll them all over to a TSP given the opportunity. Also, I believe that you can roll other plans into a TSP even after you ea...
by Misenplace
Thu May 04, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Please poke holes in my tax strategy
Replies: 38
Views: 6377

Re: Please poke holes in my tax strategy

So livesoft, you are grandfathered-in to their free trades. WF HQ must hate you. :wink:
by Misenplace
Thu May 04, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 3870

Re: Visiting Paris for 8 days - what to do?

Many have provided good responses for the initial question. I can certainly give you some "local's" tips, but the real question is what types of things do you and your family enjoy doing? Outdoor activities? Good food? Music? Art? Having a good place to sit, talk, and play games together? Sports? A...
by Misenplace
Thu May 04, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Should I make changes to my portfolio ?
Replies: 47
Views: 6578

Re: Should I make changes to my portfolio ?

Hi Hef Saf, Thanks for following up and posting the revised portfolio. It looks as though your advisor has reduced the risk of your portfolio and also increased the tax efficiency. I like that he put a diversified mix of bonds in your IRA- that's the place for them. He is right about them generating...
by Misenplace
Wed May 03, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Portfolio
Replies: 4
Views: 689

Re: Wells Fargo Portfolio

We do what livesoft does. Keep a checking account with our day to day needs in it, and a linked Wells Trade account with two Vanguard ETFs ( total US index, total World index), so that our total accounts add up enough to get us free ATM withdrawals around the world when we travel (you need 250k). We...
by Misenplace
Mon May 01, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Should I make changes to my portfolio ?
Replies: 47
Views: 6578

Re: Should I make changes to my portfolio ?

Good to hear Hef Saf. It sounds like you made the best decision for your finances. But don't leave here- keep posting and keep reading. I am curious as to the portfolio the VG PAS recommended?
by Misenplace
Mon May 01, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: buying dining table is hard
Replies: 55
Views: 4097

Re: buying dining table is hard

Craigslist- set up an RSS alert. Check out consignment shops in your area- regularly, since inventory changes. Do not buy new unless you buy something so well made and beautiful that you know you will never give it up. Something like The Joinery in Portland, Oregon. https://www.thejoinery.com/furnit...
by Misenplace
Sat Apr 22, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Should I make changes to my portfolio ?
Replies: 47
Views: 6578

Re: Should I make changes to my portfolio ?

Hef-Saf, I'm assuming that you just received a stepped up basis in all these funds in a taxable account based on what you said earlier. If so, there is little to none tax consequence to exchanging them for other funds. If so, then these are not the funds that I would hold if I were in your situation...
by Misenplace
Fri Apr 21, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Should I make changes to my portfolio ?
Replies: 47
Views: 6578

Re: Should I make changes to my portfolio ?

Yes that seems appropriate based on what you told us. As we have said before, since you appear to need to do a lot more research before you feel comfortable, your best option to reduce risk right now is to either use the Vanguard PAS service and let them exchange into the appropriate funds, or just ...
by Misenplace
Thu Apr 20, 2017 11:12 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 44414

Re: Larry Swedroe says "Goodby."

Larry, you are one of my heroes in the retirement and investing world. Your generous contributions are legend. I for one have enjoyed, and cite to, your evidence-based approach to investing. Thanks Larry.
Kind regards,
Misenplace
by Misenplace
Wed Apr 19, 2017 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 83
Views: 8376

Re: Did anything surprise you in your 2016 taxes?

I learned about the kiddie tax- the hard way. Basically, if you get kicked into it (your kid receives more than '$2100 in unearned income), it puts not only their unearned income into your tax bracket, but also a portion of their earned income into your tax bracket. Not much of a problem if they hav...
by Misenplace
Thu Apr 13, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Meeting with Wells Fargo Financial Advisor Yesterday - Strange Perspective Regarding Mutual Funds
Replies: 18
Views: 2496

Re: Meeting with Wells Fargo Financial Advisor Yesterday - Strange Perspective Regarding Mutual Funds

I got a similar pitch from them, without the dangling of a better return. Just some talk about owning stocks directly was better because you avoid the ER on a mutual fund. Given that the ER for a total stock index or S&P index fund is extremely low, I just laughed at them silently and said no thanks...
by Misenplace
Mon Apr 10, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Should I make changes to my portfolio ?
Replies: 47
Views: 6578

Re: Should I make changes to my portfolio ?

My pleasure. And I agree with random walker, if it were me, I would want to move to a less aggressive portfolio as soon as possible. 94% equity is too aggressive in my opinion for your situation. Your father set you up well, but he was also lucky (and you!) that the market didn't tank 50% as it did ...
by Misenplace
Mon Apr 10, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Should I make changes to my portfolio ?
Replies: 47
Views: 6578

Re: Should I make changes to my portfolio ?

So if I were to try to adjust your portfolio, I would recommend taking the Vanguard Retirement 2020 allocations, and apply them in this manner to your portfolio. The VG 2020 fund is: 1 Vanguard Total Stock Market Index Fund Investor Shares 34.0% 2 Vanguard Total Bond Market II Index Fund Investor Sh...
by Misenplace
Mon Apr 10, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Should I make changes to my portfolio ?
Replies: 47
Views: 6578

Re: Should I make changes to my portfolio ?

Hef Saf, Welcome to the forum. I am sorry for your loss. It must feel like a lot to deal with at this time. While many of us are do it yourselfers, there are times when you need help. You might want to take advantage of Vanguard 's advisory services for a year or two. They will charge you 0.3% a yea...
by Misenplace
Sat Mar 18, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 10
Views: 995

Re: Portfolio advice

Hi Proton, Congratulations and welcome to the forum! Your advisor has you in a lot of funds, but overall it appears like a good portfolio. I think you hit the nail on the head- with so many funds, it is much harder for you to keep track of it. He definitely has you in a Value/Small Cap tilt, which i...
by Misenplace
Tue Mar 07, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Gift to Child for Roth IRA
Replies: 13
Views: 1077

Re: Gift to Child for Roth IRA

You are allowed to gift anyone up to $14000 a year without hitting gift tax issues. Since you said 'our' DD, you and your spouse each can gift her $14,000, making it $28,000 a year. So opening up a Roth for her with $5,500 should not be a problem UNLESS there are other gifts you have given her in th...
by Misenplace
Wed Mar 01, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: ISO advice on my portfolio (retirement and otherwise)
Replies: 12
Views: 1138

Re: ISO advice on my portfolio (retirement and otherwise)

By my back of the envelope calculations, I don't think that you would have any problem just taking those gains and investing to accomplish your planned 3 fund portfolio. But you may want to just run the numbers through an income tax program so you are not surprised at tax time. Also, be sure to make...
by Misenplace
Tue Feb 28, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: ISO advice on my portfolio (retirement and otherwise)
Replies: 12
Views: 1138

Re: ISO advice on my portfolio (retirement and otherwise)

Hi Danielle, Congratulations, on finding this forum, on doing this analysis, and on coming up with a good plan. I'm sure others with more knowledge will chime in, but here are my comments. First, I really think 90% equities is too aggressive at your age. Yes, you slept OK during the recent financial...
by Misenplace
Sun Feb 19, 2017 11:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 5556

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

All of you--Mel, Taylor, Alex, Larry, Phoenix, and all the administrators-- have done a wonderful service in setting up this site. I am appreciative every time I log in to the the forum or research in the Wiki. There is NO WHERE ELSE a curious investor can obtain such high quality, reliable informat...