Search found 117 matches

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: 1047

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: 1437

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 wa...
by Misenplace
Sun Jun 18, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Office Chair
Replies: 15
Views: 1274

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: 1047

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: 1282

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: 4775

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: 5883

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: 7243

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: 1102

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: 1102

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: 17
Views: 1804

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. m But if you want to dive, that would be a different boat. I would start with finding out whi...
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: 2826

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: 1538

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: 5991

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: 3402

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?...
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: 5983

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: 604

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: 5983

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: 3671

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/furniture/di ... ing-tables
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: 5983

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: 5983

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: 39907

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: 7720

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: 2374

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 th...
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: 5983

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: 5983

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: 5983

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: 923

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: 962

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: 1023

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: 1023

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: 4794

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...
by Misenplace
Sat Jan 21, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: No health insurance tax penalty
Replies: 69
Views: 6112

Re: No health insurance tax penalty

1. There's a 3 month window to get coverage without being fined, but that window closes for me on Feb 1st right? I believe that you need to be insured for at least one day in January in order to claim the short term omission of coverage exclusion. So, Feb. 1 is too late. You must have insurance on ...
by Misenplace
Tue Jan 17, 2017 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Balancing Retirement, College, and other "wants"
Replies: 20
Views: 1532

Re: Balancing Retirement, College, and other "wants"

Maxing out ALL of your retirement tax deferred plans is a better use of your money than putting it into 529 plans. If you can't cash flow the college expenses, you can tap your retirement plans for the money for college and avoid the early withdrawal penalty as long as you use that money for qualifi...
by Misenplace
Sat Jan 07, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with $400K cash plus almost a million in stocks?
Replies: 14
Views: 3321

Re: What would you do with $400K cash plus almost a million in stocks?

Hey, I think this thread is getting derailed and veering into topics that are off limits. There is no fraud in marrying someone with somewhat more money, and OP wasn't asking for legal advice Or prenup advice.

+1 on dbr's advice.
by Misenplace
Fri Jan 06, 2017 1:26 am
Forum: Investing - Theory, News & General
Topic: What gets cheap when the dollar gets strong
Replies: 32
Views: 6057

Re: What gets cheap when the dollar gets strong

I'm wishing the price of Marmite(c) will go down, then I will stock up. But it hasn't so far. So much for exports of natural resources.
by Misenplace
Tue Jan 03, 2017 3:03 am
Forum: Personal Finance (Not Investing)
Topic: My niece got accepted to Georgetown and we may have to pay for it.
Replies: 58
Views: 7351

Re: My niece got accepted to Georgetown and we may have to pay for it.

Congratulations to your niece. She must be a fine young woman, and a credit to your support of her education. It is too late for a 529. There is almost no benefit since only the growth is tax exempt, and we all know the market can go up, or go down, in the short term. And as others have pointed out,...
by Misenplace
Mon Jan 02, 2017 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for 60 year old parents
Replies: 10
Views: 2201

Re: Advice for 60 year old parents

My input: I think he makes too much $ for a deductible tIRA. Look up the income limits. Before you set up an SEP IRA, make sure you are clear on his employment status. You said you "forgot exactly how it works, but apparently....". That doesn't sound definitive enough for me to make financ...
by Misenplace
Wed Dec 28, 2016 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for 60 year old parents
Replies: 10
Views: 2201

Re: Advice for 60 year old parents

We don't know what kind of account mom has inherited. If it is an IRA or 401k, it doesn't matter what the basis is- she will be required to take distributions and will pay tax at your parents' tax rate. If it is a Roth IRA, it doesn't matter what the basis is, she won't have to take distributions or...
by Misenplace
Wed Dec 28, 2016 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: In taxable account sell Total Bond buy Tax Exempt
Replies: 26
Views: 2706

Re: In taxable account sell Total Bond buy Tax Exempt

Thanks, i believe that selling tax exempt in one account and buying taxable in another account is ok? Someone please correct me if i am wrong. In your original post, you mentioned selling VTBLX in your taxable account because it had a slight loss. If you sell that in your taxable account and then b...
by Misenplace
Wed Dec 28, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for 60 year old parents
Replies: 10
Views: 2201

Re: Advice for 60 year old parents

I don't know enough about your parents' situation to advise. - You said your dad's "salary" was about 200K, but then you are talking about a self employed retirement account SEP IRA, which implies he is a small business owner. Is he a 'salary man' or does he own a business? - you said they...
by Misenplace
Wed Dec 28, 2016 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for 60 year old parents
Replies: 10
Views: 2201

Re: Advice for 60 year old parents

The I would use the SEP IRA first. Then I would look back-door Roths (do a search here on BH) by putting the $13K in a tIRA with non deductible contributions. The SEP IRA will interfere with any back door Roth strategy. Look at the prorating rule in the wiki. What are your parents expenses? It soun...
by Misenplace
Wed Dec 28, 2016 11:24 am
Forum: Investing - Help with Personal Investments
Topic: In taxable account sell Total Bond buy Tax Exempt
Replies: 26
Views: 2706

Re: In taxable account sell Total Bond buy Tax Exempt

Be careful that you don't create a wash sale event by selling bonds in your taxable account and then buying them in your tax deferred account. Then you would not be able to use that capital loss.

Edit: I mean buying and selling substantially similar bond funds.
by Misenplace
Sat Dec 17, 2016 2:09 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio rebalancing over multiple accounts
Replies: 6
Views: 815

Re: Portfolio rebalancing over multiple accounts

+1 on Lafder's advice to go through the posting process- you will learn a lot about your holdings, and get a handle on what you need to do, even before you post it. Taking responsibility for your investments must include this exercise. After you post your portfolio and your questions, you will get y...
by Misenplace
Wed Dec 14, 2016 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Well, just got first pair of golden handcuffs
Replies: 58
Views: 9476

Re: Well, just got first pair of golden handcuffs

Congratulations investingdad. Golden handcuffs yes, but if you need to move to another job most companies will try to make you whole with a signing bonus. As your RSUs vest and are awarded, most execs sell and diversify asap. The FMV is treated as regular income in the year the shares are delivered ...
by Misenplace
Sat Dec 10, 2016 2:02 am
Forum: Personal Consumer Issues
Topic: travel to Istanbul
Replies: 42
Views: 3363

Re: travel to Istanbul

+1
We personally know several dual nationals, and long term residents, who decided a few months ago that it was wise to get out. They left a lot behind.
by Misenplace
Wed Dec 07, 2016 1:02 am
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 5192

Re: Should I fill out survey evaluation of my boss?

If you are in a big company, fill out the survey honestly, but use your comment section to make constructive/positive suggestions that you wouldn't mind being forwarded to your boss (in other words, be empathetic but suggest good improvements, because those comments will get to your boss in their en...
by Misenplace
Tue Dec 06, 2016 12:10 am
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 8265

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

My first thought was that it really depends on the personality of the child (how well they can tolerate change, new situations, how well they bounce back, etc.). Which is important, but not everything. But you didn't mention those characteristics. Instead, you made a note of posting the child's weig...
by Misenplace
Fri Dec 02, 2016 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement asset allocation critique
Replies: 7
Views: 766

Re: Retirement asset allocation critique

Welcome AndrewDoc! It's very hard to comment on the portfolio, other than it looks very tax inefficient (in other words, you will pay more in taxes than you have to). I suggest you read the Wiki on tax efficient fund placement. Also, you will get much better input if you put it into the suggested po...