Search found 286 matches

by Rajsx
Fri Oct 13, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Utah Vs. New York 529 - Which one and why?
Replies: 20
Views: 2005

Re: Utah Vs. New York 529 - Which one and why?

I had NY 529 for both kids & Utah for my grand daughter & son. Both are managed by Vanguard I wanted to consolidate both 529s at one place NY rather 2 different 529s to follow. Last week I called NY 529 (Essentially I called Vanguard ) & completed the papers to Rollover from Utah to NY & mailed them...
by Rajsx
Wed Oct 04, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index IRA vs CD IRA
Replies: 9
Views: 834

Re: Total Bond Index IRA vs CD IRA

Thanks Dandy, I too want to have a diversified Fixed income portfolio, & am trying to move some Bond Funds to the CDs
I have a 50/50 asset allocation of our Total Portfolio although due to the rise of late in the stocks, it has drifted to 53 S/47 B.

Thanks
by Rajsx
Tue Oct 03, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index IRA vs CD IRA
Replies: 9
Views: 834

Re: Total Bond Index IRA vs CD IRA

I got it
When interest rates rise, the value of Bonds goes down
by Rajsx
Mon Oct 02, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index IRA vs CD IRA
Replies: 9
Views: 834

Re: Total Bond Index IRA vs CD IRA

Thanks everybody for chiming in, Mike Piper's write up on Bonds vs CDs was informative, please let the suggestions coming. Hi Frank, in your post you wrote - " Unlike equities, the risk of "missing out on a rally" really isn't there, but then again the risk of losing tons of value on a bond fund pro...
by Rajsx
Sun Oct 01, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index IRA vs CD IRA
Replies: 9
Views: 834

Total Bond Index IRA vs CD IRA

I am tempted to transfer monies out Of Vanguard Total Bond Index ADM & other short Term Bond Funds in my IRA to CD IRA . I have been a long term Vanguard Investor but seeing the present & projected Bond Fund returns , the CDs IRA now appear favourable. What do you think ?? Has anybody else noticed t...
by Rajsx
Tue Aug 29, 2017 12:32 am
Forum: Investing - Help with Personal Investments
Topic: We are well set but........the Asset Allocation ??
Replies: 16
Views: 1952

Re: We are well set but........the Asset Allocation ??

I value your feedback, I am learning from them. Keep them coming.

Thanks everyone
by Rajsx
Mon Aug 28, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: We are well set but........the Asset Allocation ??
Replies: 16
Views: 1952

Re: We are well set but........the Asset Allocation ??

Thanks Bloom, Few things which are making me edge towards 40% Stocks are - 1) I have read & heard 100 - age = Stock % So, 100 - 61 = 39 % Stocks ? 2) The probable impending end to the long running Bull (I know that nobody knows) , has something to do with me wanting to go more conservative. 3) Berns...
by Rajsx
Mon Aug 28, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: We are well set but........the Asset Allocation ??
Replies: 16
Views: 1952

Re: We are well set but........the Asset Allocation ??

The present income is from a office rental + some disability income.

Thanks
by Rajsx
Mon Aug 28, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: We are well set but........the Asset Allocation ??
Replies: 16
Views: 1952

We are well set but........the Asset Allocation ??

Listen to our investment story & please advise on our Asset Allocation. Do we need to come down to 40% stock & 60% Bonds from our present 50% Stocks ? I am 61 & DW 56 both retired with a Portfolio of $4.5 million 90% index fund Vanguard Portfolio , with a Asset Allocation of 50% Stocks & 50% Bonds. ...
by Rajsx
Sat Apr 08, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 8244

Re: A SUV for towing a Travel Trailer

- I went ahead & bought a new Highlander XLE AWD V6 & the 5000 lb Tow Prep comes standard. - Our mechanically sound 2003 Avalon had a sizable dent on its passenger front door, and it was increasingly getting intolerable to drive it any more, so we decided to replace that vehicle. The body wo...
by Rajsx
Sun Mar 26, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 8244

Re: A SUV for towing a Travel Trailer

Thanks every one for your valuable input, I have decided to tow my Escape 17B back to Florida by our Lexus RX 350.

I will see how it tows & will upgrade if needed.

Thanks again
by Rajsx
Thu Mar 23, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 8244

Re: A SUV for towing a Travel Trailer

I appreciate every one for your feedback. Keep the suggestions coming.



Thanks
by Rajsx
Mon Mar 20, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 8244

Re: A SUV for towing a Travel Trailer

Thanks for all the replies, I appreciate your in put. I had prepared the (already owned) RX 350 (3500 lbs capacity) with a class III Hitch & a Brake Controller to tow the single axle 17' fiberglass escape trailer with electric brakes, as many are towing with a similar set up of Sienna & Odys...
by Rajsx
Sun Mar 19, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 8244

A SUV for towing a Travel Trailer

I am getting prepared to buy a SUV for towing a 3200 lb loaded Travel Trailer with Brakes due in May 2017. I have read up on many automobile reviews, write ups..etc but I am looking for your take on one and reasons for suggesting that particular SUV from a Towing & vehicle reliability are concer...
by Rajsx
Fri Jan 27, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute IRA/Roth IRA -
Replies: 5
Views: 495

Re: Contribute IRA/Roth IRA -

Thanks for chiming in, I need some tax deferred space in my portfolio for investing in Bonds. As I am not getting any younger, & I am trying to keep the Asset Allocation of 50/50 Stock/Bond , Bonds in a Taxable Account keeps accruing taxes with their dividends at my income tax rate. I guess I ca...
by Rajsx
Fri Jan 27, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Contribute IRA/Roth IRA -
Replies: 5
Views: 495

Contribute IRA/Roth IRA -

Do any of the incomes qualify to contribute to IRA/Roth IRA - ?

1) Dividend Income
2) Capital Gains

3)Rental Income from a LLC

4)Private Individual Disability Policy- Non taxable

Thanks for any and all replies

-
by Rajsx
Mon Jan 16, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6777

Re: Disheartening to hear this about Vanguard

Livesoft,

My bad, thanks for your explanation & I withdraw my statement .


Regards
by Rajsx
Mon Jan 16, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6777

Disheartening to hear this about Vanguard

m I have had problems with getting the correct cost basis & capital gains on sale of my Taxable accounts. Vanguard just write's various & just follow average cost basis (easier for them) & I have been with Vanguard for 20+ years. So, just imagine how skewed & incorrect an average cos...
by Rajsx
Sun Dec 18, 2016 10:44 pm
Forum: Personal Consumer Issues
Topic: Personal fulfillment in retirement
Replies: 37
Views: 5826

Re: Personal fulfillment in retirement

1 year 9 months into Retirement at 59, having a great time of our lives. Ex Colleagues keep inquiring how I managed to retire,or if am I getting bored & if I am looking for a Part Time Job. I worked as a Specialist Doc., saw & lived the gradual destruction of a great profession, could not be...
by Rajsx
Fri Nov 18, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 9424

Re: Cannot get myself to spend my savings

Great replies & great ideas guys, this is helping both of us so much, as I read the posts loud to my DW . She is getting interested too, please keep the replies coming, may be we will start spending some on the experiences. I should stop reading anything about Minimalists because that is taking ...
by Rajsx
Wed Nov 16, 2016 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 9424

Re: Cannot get myself to spend my savings

Thank you for wonderful replies & your time. Many of the suggestions, we do already - -This year, we increased the donations to our Church & other Charities. - We eat out couple of times in a week in our regular neighborhood restaurants, any more than that we get acidity, so we prefer eating...
by Rajsx
Wed Nov 16, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 9424

Cannot get myself to spend my savings

Now what ? We saved diligently & followed Boglehead philosophy most of our working life, invested the savings, paid for kids college, own a house out right, and presently have a a few millions put aside. I retired last year at 59, after a partial recovery from a complicated road accident which l...
by Rajsx
Mon Aug 22, 2016 7:41 am
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1306

Re: Calling all geeks ..... need help with my Laptop.

I am searching for that darn tiny screw. Thanks
by Rajsx
Sun Aug 21, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1306

Re: Calling all geeks ..... need help with my Laptop.

Thank you very much, guys. I found what the problem was - The SSD had moved as the Cover had fallen off from the side of the cover along with the screw holding it. I found the cover & secured it in place and WHOA the system is back. I am still looking for that darn small screw. I am back in busi...
by Rajsx
Sun Aug 21, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1306

Re: Calling all geeks ..... need help with my Laptop.

BIOS Setup Utility -

Then I pressed STARTUP

>BOOT

> Network


BOOT MODE (Quick)
Option Key Display (Enabled)

Boot Device List F12 Option (Enter)
Current Setting (Enabled)
by Rajsx
Sun Aug 21, 2016 6:10 pm
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1306

Re: Calling all geeks ..... need help with my Laptop.

I notice that SSD is not mentioned in the Booting Sequence, may be it does not see it anymore

Thanks
by Rajsx
Sun Aug 21, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1306

Re: Calling all geeks ..... need help with my Laptop.

- The OS is Windows 7 - I do not remember the how much RAM - When I plug in a USB Hard Drive - -Intel(R) Boot Agent GE v1.3.51 -Intel (R) Boot Agent PXE Base Code (PXE-2.1 build 089) - PXE-E61 : Media Test Failure, Check Cable - PXE-MOF : Exiting Intel Boot Agent - When I power it On - Black Screen ...
by Rajsx
Sun Aug 21, 2016 5:51 pm
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1306

Re: Calling all geeks ..... need help with my Laptop.

Thank you guys for your help - This is the SSD from Amazon in 11/2015, Old Hard Drive had gone very slow so removed & disposed it -Crucial MX200 250GB SATA 2.5 Inch Internal Solid State Drive - CT250MX200SSD1 - I use Chrome, I think it is the latest version but I am not sure of the Version - BIO...
by Rajsx
Sun Aug 21, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1306

Calling all geeks ..... need help with my Laptop.

My Lenovo is unable to boot from any device.

It is a Thinkpad T410, I had installed a new SSD about 8 months back after the original HDD had gone very slow.
One morning, on starting up the Laptop a short Blue Screen and the unable to boot from any device.

Please help if you can......

Thanks
by Rajsx
Mon Jul 18, 2016 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 8295

Re: Private vs State School?

Our experience has been one of each, for what it is worth, a private & a state school. Please bear with me, it could be a long post. DD went to Upenn an iv league school & DS went to Uni of Florida a large flagship state school, ranked around 50 in USNEWS rankings. We had enough 529 funds to...
by Rajsx
Mon Jul 18, 2016 10:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Mel! Boglehead #2.
Replies: 41
Views: 3874

Re: Happy Birthday, Mel! Boglehead #2.

Hi Mel,

Happy Birthday, belated.

Thanks for your guidance on the forum

Best
by Rajsx
Sun Jul 17, 2016 3:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 48
Views: 5657

Re: ORLANDO Chapter Bogleheads

Thanks Mel
by Rajsx
Sun Jul 17, 2016 10:58 am
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 48
Views: 5657

Re: ORLANDO Chapter Bogleheads

Hi every body,

Let some one else take the Lead, due to personal reasons I am unable to be the Coordinator.

Thanks
by Rajsx
Tue Jun 28, 2016 12:19 pm
Forum: Investing - Theory, News & General
Topic: Market Timing or Sound Financial Advice?
Replies: 7
Views: 499

Re: Market Timing or Sound Financial Advice?

Yes, I did the same exact thing, raided a part of Emergency Fund in the process. I have mixed feelings about this, although it is after the fact. It was a small amount in comparison to the size of the portfolio, but I thought it was a good buying opportunity. When weathering the past market sell out...
by Rajsx
Tue Jun 14, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Port: 60/40 vs 40/60
Replies: 22
Views: 3454

Re: Retirement Port: 60/40 vs 40/60

Another 50/50 ++ here at age 60, with 5% additional cash on the side, retired last year at age 59. I sleep well most of the nights & try to laugh off the dips & valleys of the S&P. Due to other income we do not have to draw from the portfolio for 5 more years. I will try to maintain this...
by Rajsx
Fri May 20, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions /Advice for a fresh college graduate
Replies: 33
Views: 2831

Re: Suggestions /Advice for a fresh college graduate

Fast Forward - Check Status - Still need Suggestions So, my son walked at the College Graduation Ceremony in 2015, all good & every body happy.He got a job at Campus Recruitment event with a distributor of Wines company, taking orders at the Wine Stores, earning commission as his salary, at a ou...
by Rajsx
Sun Apr 24, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 65581

Re: Question for the Bogleheads Millionaires

A good teaching/helping each other thread. ........In our case it was Education, Frugality, Investments & a little bit of luck. We are immigrants, came with suitcases in hand to this great country, but I was a doctor in my country. Passed all the Licensing exams to be a MD in USA while we were d...
by Rajsx
Tue Apr 19, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8606 question
Replies: 5
Views: 747

Re: Form 8606 question

I am learning a lot from this Form 8606 thread

Thanks
by Rajsx
Thu Feb 25, 2016 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: How is the Class of 2015 retirement folks doing?
Replies: 18
Views: 3189

Re: How is the Class of 2015 retirement folks doing?

I retired April 2015 from work on a private disability individual policy at age 58 , which is more than sufficient for all our monthly expenses including some light travel & taxes. I did not take out any funds from the retirement savings & probably will not till age 65 when the disability in...
by Rajsx
Wed Feb 24, 2016 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Buying Home to Downsize
Replies: 10
Views: 1569

Re: Buying Home to Downsize

That is an interesting feedback to cash in early the CDs rather than pay 2.5% interest on the HELOC. I wonder if there is a way to find out which way I will come out ahead. Leemiller, how do I calculate to find out which way I would come out ahead ? I guess, I can call and find out how much would be...
by Rajsx
Tue Feb 23, 2016 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Home to Downsize
Replies: 10
Views: 1569

Re: Buying Home to Downsize

Thanks for each of the replies, looks like I am not missing anything obvious in funding my next house purchase.
Please keep suggestions & opinions coming.

Best
by Rajsx
Tue Feb 23, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Buying Home to Downsize
Replies: 10
Views: 1569

Buying Home to Downsize

Hi Everybody, I am trying to figure out which funds to use for buying our next downsized home, I will appreciate any & all feedback. Basic Info - I am 59 & DW 55, retired April 2015, on Private Individual Policy Disabilty Income $13000/mo till my age 65, which at present we find adequate for...
by Rajsx
Sat Feb 06, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: Best Tips for Packing & Moving?
Replies: 14
Views: 1676

Re: Best Tips for Packing & Moving?

We will be downsizing soon & this is a learning thread for me.


Thanks
by Rajsx
Fri Dec 25, 2015 12:38 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Performance?
Replies: 45
Views: 5485

Re: Vanguard Personal Performance?

1yr 1.1%
3yr 7.3%
5yr 7.1%
10yr 7.0%


Best Regards & Merry Christmas
by Rajsx
Thu Dec 17, 2015 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Asking advice please at 59 1/2....
Replies: 2
Views: 388

Asking advice please at 59 1/2....

I recently turned 59 1/2 and am wondering what changes in my investments I need to make if any. I have a all vanguard portfolio at 50/50% and retired earlier this year. We do not take out/need any money from the portfolio for monthly expenses at present as we have supplemental income which more than...
by Rajsx
Sat Nov 07, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Life lessons: Making loans to friends. Insights? Revelations?
Replies: 191
Views: 23280

Re: Life lessons: Making loans to friends. Insights? Revelations?

Please SAY NO, to save yourself the pain & suffering, which entails unless you enjoy pain, suffering & regret. What happens usually is, 1)The friends/relatives get loans from some where else, life goes on or 2)They adjust to their present circumstance, tighten their belts & life goes on....
by Rajsx
Tue Nov 03, 2015 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: What happened ???? Fidelity Retirement Investment Planner
Replies: 15
Views: 2934

Re: What happened ???? Fidelity Retirement Investment Planner

I finally found the Full View on the Fidelity website, and made each of the hidden accounts to visible state. Then I found & launched the - Planning & Guidance Center from the Guidance & Retirement tab on the top, - I had to assign each one of the account I wanted for Retirement purposes...
by Rajsx
Tue Nov 03, 2015 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: What happened ???? Fidelity Retirement Investment Planner
Replies: 15
Views: 2934

What happened ???? Fidelity Retirement Investment Planner

I periodically go back to my Fidelity Retirement Investment Planner(RIP) to assess the probabilities .....etc, &&&& whoa it is not there anymore & now has been substituted with Retirement Investment Center & half my accounts in Full view are not listed & all sorts of ques...
by Rajsx
Sun Oct 18, 2015 4:27 pm
Forum: Investing - Theory, News & General
Topic: Retirees doing 50/50
Replies: 35
Views: 5447

Re: Retirees doing 50/50

We retired earlier in the year - I am 59, DW 54, we have been going down in the stocks allocation over last few years from 60/40 to the present 50/50, an all Vanguard portfolio. Lately the savings have been going into cash/CDs for a 2-3 yrs worth of expenses , thus making all investment portfolio lo...