Search found 211 matches

by confusedinvestor
Wed Apr 26, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Where did you buy your Long Term Disability Insurance ?
Replies: 29
Views: 1587

Re: Where did you buy your Long Term Disability Insurance ?

1. My agent/broker asked me to get back to him on my group plan first as it may impact my individual supplemental 2. I dont know exactly, all he said, 3% of salary per year for supplemental like 40% of salary wow, then i will surely get a individual DI vs my AT&T group My agent called me and sai...
by confusedinvestor
Mon Apr 24, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Where did you buy your Long Term Disability Insurance ?
Replies: 29
Views: 1587

Re: Where did you buy your Long Term Disability Insurance ?

wow, then i will surely get a individual DI vs my AT&T group

My agent called me and said plan on 3% of the salary,

i make 100K, so he said 3K ie 250$/month - How does this sound?

Name is the company is Standard
by confusedinvestor
Mon Apr 24, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Where did you buy your Long Term Disability Insurance ?
Replies: 29
Views: 1587

Re: Where did you buy your Long Term Disability Insurance ?

I work for AT&T and I got 100% pay during my recent surgery for 14 weeks, after that it is 65% pay I have to call our HR to find our the LTD restrictions But, my advisor suggested to get supplemental LTD should I change or loose jobs Myabe I need to wait 2 years before i buy personal LTD supplem...
by confusedinvestor
Mon Apr 24, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Where did you buy your Long Term Disability Insurance ?
Replies: 29
Views: 1587

Re: Where did you buy your Long Term Disability Insurance ?

I contacted a local Guardian agent and given i had a major surgery 8 weeks back, he is suggesting me to wait 2 years before shopping for LTD, b/c he thinks i may get denied now or my premium could be extremely high....bummer... Any other ways to supplement LTD beyond what i get from work ? I'm just ...
by confusedinvestor
Mon Apr 24, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Where did you buy your Long Term Disability Insurance ?
Replies: 29
Views: 1587

Re: Where did you buy your Long Term Disability Insurance ?

thank you!
Rupert wrote:Guardian. I would use an independent insurance broker to both shop for policies and help you understand them. Disability attorneys mostly represent people applying for social security disability. I wouldn't necessarily expect them to have any expertise in disability insurance policies.
by confusedinvestor
Mon Apr 24, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Where did you buy your Long Term Disability Insurance ?
Replies: 29
Views: 1587

Where did you buy your Long Term Disability Insurance ?

Folks,

Which company did you buy your long term private Disability Insurance on top of you employer plan ?

Do I need to review the policy with a State / local DI Attorney ? or OverKill ?
by confusedinvestor
Thu Apr 20, 2017 1:21 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5585

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

Yah, $1200 for investment upto $15000 in TD institutional and this advisor said weighted ER is like 8 - 11 bps We get comprehensive plan which my wife wants - i stil think it is a waste of $ but may be we should do it thinking we would waster another $1200 1200 per year on a 50k investment?? Might a...
by confusedinvestor
Thu Apr 20, 2017 1:05 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5585

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

Yes, we have a appointment with Vanguard end of this month. They are backed up. Most of the reviews we saw on VPS is Vanguard advisor will be very cookie-cutter (which may satisfy us anyway) but will not be a CFP and will not review our insurances etc - not comprehensive planning, will not review ou...
by confusedinvestor
Wed Apr 19, 2017 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5585

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

All, Thank you again for all the feedback and advises. Wife still wants to go with a financial advisor, given we dont have the experience and expertise and I'm not confident myself as DIY. As we already learnt in hard way with this local advisor trying to sell us IUL, we are thinking of considering ...
by confusedinvestor
Wed Apr 19, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5585

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

Advisor told us we have less Term Life Insurnace we should. I've 1.2 M and wife has 750K Term - 20 year, we are 6 yrs into term. I guess that was his reasoning into IUL to supplement our term-life - not sure. we will find out on our next (and last meeting) Question is How do BH decides how much insu...
by confusedinvestor
Wed Apr 19, 2017 1:25 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5585

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

Unrelated question:

What do you guys think of this Financial Guard? A good AA tool for $150/yr ?

https://www.financialguard.com/SignUp.aspx
by confusedinvestor
Tue Apr 18, 2017 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations on Non Vanguard Muni Bond Funds
Replies: 5
Views: 483

Re: Recommendations on Non Vanguard Muni Bond Funds

Hello, May I please ask why are you going with Schwab? As we are thinking the same. They were offering a $500 bonus I am building my taxable account with muni bonds as I am in the highest tax bracket. I will be going with Schwab for a number of reasons, but Vanguard seems to have the best selection ...
by confusedinvestor
Tue Apr 18, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5585

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

Thanks to everyone for good advises ! I've forwarded this forum thread (advises for everyone) to my wife so she can review this . After everyone's feedback and additional reading, we are not comfortable buy IUL or act open on any advises he offers. This advisor has a CFP and we haven't singed anythi...
by confusedinvestor
Tue Apr 18, 2017 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5585

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

Good advise. Yes, you are so right on - I'm bit aggressive, given i am 40, my bonds = age - 20 = my AA is 80:20, she is conservative. We went to an advisdor so she better understands investments .... she is mom of twins with a job and no interest in investing yet she ask to invest vs putting $ in ch...
by confusedinvestor
Tue Apr 18, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5585

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

Goal is to invest for mid-term (10 yrs buy-hold) with distributions over 5-10 yrs after 5-10 yrs hold for her shopping, our 2nd vacation etc...if we loose 30%, we wont go to our 2nd vacation until it recovers... Too complicated for me, but I am a three fund guy, not a slice-and-dicer. Since you say ...
by confusedinvestor
Tue Apr 18, 2017 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5585

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

Hi There, - I'm complete beginner too....i'm finishing up reading the BH Wiki.. - Given we are beginner, we went with an advisor and look, I feel like, we already lost $500 - For some reason, i feel like tilting (Small Cap Blend + Emerging) vs 3 Fund Portfolio = I have no idea what will really happe...
by confusedinvestor
Mon Apr 17, 2017 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5585

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

Great points, - Yes, I'll replace -- VOO by VTI -- VEA by VXUS - Sure, will remove BNDX No idea why folks here tilt Small Value vs Small Blend Here is the updated: 60% Stock: 30% VTI - Vanguard Total 10% VB - Vanguard Small-Cap Blend 10% VXUS - Vanguard Total International 5% VWO - Vanguard Emerging...
by confusedinvestor
Mon Apr 17, 2017 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5585

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

thank you, i made a mistake. I meant 5% VGIT - VGIT–Vanguard Intermediate-Term Government Bond (US Treasuries) vs VMBS Mortgage Backed Securities. Yes, it is Taxable, that's why I put California Muni as we are in CA. Thanks you for the Vanguard Tax Managed Balanced recommendation ! This is one piece...
by confusedinvestor
Mon Apr 17, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5585

Wife's Money - 50K - Her Advisor vs My DIY - Help

Folks, My wife and I went to an local adviser to get a portfolio recommendation on investing her 50K Moderate and guess what ? Advisor suggested Indexed-Universal-Life Insurance (IUL) and convinced my wife that it is a better product as it will not go down if market goes down yet it will go up if ma...
by confusedinvestor
Fri Apr 14, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC - How to find best deal?
Replies: 4
Views: 400

Re: HELOC - How to find best deal?

Just missed the BOA HELOC promotion Boat, they were offering 1.99 for 1 Year for Platinum Honors Customer until last week. Oh well... Yes, we are Platinum Honors, but, i was told I we need to pull out 100K during my HELOC application to get the discount and can also fix the rate for 30 yrs for 4.375...
by confusedinvestor
Fri Apr 14, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC - How to find best deal?
Replies: 4
Views: 400

HELOC - How to find best deal?

Folks, I'm thinking to get a HELOC for my home remodel, what is the best way to get a better deal vs Bank of America (my bank) ? What are the dos and donts of HELOC? I've cash to pay my remodel but my advisor said to better go with HELOC (get interest breaks) and invest my cash in 60:40 AA and not l...
by confusedinvestor
Wed Apr 12, 2017 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Worried on my Job? Options beyond Emergency Fund?
Replies: 12
Views: 1617

Re: Worried on my Job? Options beyond Emergency Fund?

I spoke with my bank, Bank of America, and they said for HELOC, i have to pull out the money as soon as i apply and get approved. Is that the way HELOC works? What is "personal life of credit" ? Setup a HELOC, a personal life of credit, and a margin account while employed. You also might w...
by confusedinvestor
Wed Apr 12, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Worried on my Job? Options beyond Emergency Fund?
Replies: 12
Views: 1617

Re: Worried on my Job? Options beyond Emergency Fund?

That says it all, thank you! Already working on improving my skill set and 'diversifying' my skill set.

Yes, will increase EFund from 12 to 18 Months. thanks again!
FelixTheCat wrote:Improve your skill set, keep your resume current and increase your emergency fund.
by confusedinvestor
Wed Apr 12, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Worried on my Job? Options beyond Emergency Fund?
Replies: 12
Views: 1617

Worried on my Job? Options beyond Emergency Fund?

Folks, Bit worried on Job (b/c of technology innovation, automation) Does this make sense to buy this Unemployment Private Insurance beyond 12 Month of Emergency Fund and California UI for 26 Weeks ? https://www.incomeassure.com/ Private Product: Monthly cost $55/Month ($650/yrs) -- 6 Month wait per...
by confusedinvestor
Wed Apr 12, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Investing for child
Replies: 11
Views: 750

Re: Investing for child

What is the difference of UMTA at Vanguard vs Custodial at Schwab Account ? Getting confused: http://www.schwab.com/public/schwab/investing/accounts_products/accounts/college_savings/custodial_account Interested with Schwab as they have cheaper Total Stock Market Fund vs Vanguard UTMA accounts are r...
by confusedinvestor
Wed Apr 12, 2017 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Investing for child
Replies: 11
Views: 750

Re: Investing for child

We already have 300K for our twins in 529 But, we still want to save for $ for them long-term beyond education eg: for buying their first home etc but Main Goal is 'Tecach them about disciplined investing and savings' Is UMTA or Custodial best option from 'tax' perspective ? I am thinking to open up...
by confusedinvestor
Wed Apr 12, 2017 1:44 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts On Investment Planning Software
Replies: 9
Views: 1029

Re: Thoughts On Investment Planning Software

Fidelity bought eMoeny and if you have fidelity retail account, you can get access to eMoeny.

eMoeny is the TOP portfolio software used by CFPs/CFAs
by confusedinvestor
Mon Apr 10, 2017 2:27 am
Forum: Investing - Help with Personal Investments
Topic: My First Vanguard Account - VPAS, May Move from Schwab
Replies: 12
Views: 1109

Re: My First Vanguard Account - VPAS, May Move from Schwab

Thanks Pual. Does anyone has any experience with Vanguard's VPAS advisors ? Are they good and worth 30 bps ? Watched an excellent Video today: https://www.youtube.com/watch?v=Vv4HQG2Hz0I Vanguard charges 0.30% for PAS, which includes a robo asset manager and some input from an advisor. 50k min. You ...
by confusedinvestor
Sun Apr 09, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: My First Vanguard Account - VPAS, May Move from Schwab
Replies: 12
Views: 1109

Re: My First Vanguard Account - VPAS, May Move from Schwab

When I spoke with VPAS Sales, they told me with 50K no CFP, with 500K, we get a CFP. What is Voyagar? What is Voyager Select? How those are different from VPAS as far as fees, CFPs, AUM requirements? I read the VPAS Borshure in SEC, it is very confusing. You are confusing VPAS (Vanguard Personal Adv...
by confusedinvestor
Sun Apr 09, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: My First Vanguard Account - VPAS, May Move from Schwab
Replies: 12
Views: 1109

Re: My First Vanguard Account - VPAS, May Move from Schwab

Yes, I invested 75K on Ingelligent Portfolio and made a huge mistake. Out of my 75K, 8K is in CASH and exposed to "CASH Drag" and not invested, there we go on "free" service - Nothing is free in life, except this wonderful forum where folks just help each other as a family and fr...
by confusedinvestor
Sat Apr 08, 2017 2:41 am
Forum: Investing - Help with Personal Investments
Topic: My First Vanguard Account - VPAS, May Move from Schwab
Replies: 12
Views: 1109

Re: My First Vanguard Account - VPAS, May Move from Schwab

2 assigned CFPs b/c you have over 500K+ with VPAS ? I was advised i wont get a CFP until 500K on Taxable which I wont be reaching soon sadldy. Yes, I have experience with VPAS. I think we've had them for 2 years. I didn't choose them for their portfolio per say, it isn't rocket science. A 3 fund is ...
by confusedinvestor
Sat Apr 08, 2017 12:23 am
Forum: Investing - Help with Personal Investments
Topic: How to do AA based on Age, Risk, HUMAN Capital ?
Replies: 3
Views: 324

Re: How to do AA based on Age, Risk, HUMAN Capital ?

Thank you! Given we have 4 sources of income, my primary job (1), my 2nd-temp job (2), wife's job (3), and CA UI (4) (if primary defaults) and 12 months of EFund in Liquid, do you think we should not factor into Human Capital in our RetireGoal AA ? Changes of loss of 1+2+3 is slim b/c 1, 3 are in di...
by confusedinvestor
Fri Apr 07, 2017 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: How to do AA based on Age, Risk, HUMAN Capital ?
Replies: 3
Views: 324

How to do AA based on Age, Risk, HUMAN Capital ?

Folks, How do you figure our AA for Long Term goals considering your Human Capital/Jobs ? (eg " Income Loss/Gain b/c of Potential Loss/Gain of Job or Reduced Pay b/c of Technology ) Per this article - https://www.kitces.com/blog/category/10-human-capital/ " Which means workers in conservat...
by confusedinvestor
Fri Apr 07, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: My First Vanguard Account - VPAS, May Move from Schwab
Replies: 12
Views: 1109

My First Vanguard Account - VPAS, May Move from Schwab

Folks, Thanks again to everyone on this wonderful forum. Today, I've opned my first Vanguard account - VPAS - Personal Avisory account - they said they offer comprehensive financial plan on 30 bps on 50K. I' recently also open Schwab SIA (Intelligent Asvise) account with finanical plan but Schwab in...
by confusedinvestor
Fri Apr 07, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 1 Fund or 'Own' ETF Portfolio ? Help me Decide
Replies: 12
Views: 818

Re: Vanguard 1 Fund or 'Own' ETF Portfolio ? Help me Decide

Thanks. I'm new How do you check SEC Yield ? What does Yield Means vs Interest rate? Something with an average maturity in the 2 year range, although a short term fund might also be good to counterbalance CMF which has a maturity of 5.5 years. SUB has a duration of 1.9 years with an SEC yield of 0.9...
by confusedinvestor
Fri Apr 07, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 1 Fund or 'Own' ETF Portfolio ? Help me Decide
Replies: 12
Views: 818

Re: Vanguard 1 Fund or 'Own' ETF Portfolio ? Help me Decide

Great

What do you suggest on "Limited Term Tax Exempt" ? Shoirt Term National Muni ?


eg: SUB - iShares Short-Term National Muni Bond

California - CMF - I am all set there for my 50%

thanks again!

rkhusky wrote:50% Limited Term Tax Exempt, 50% CA Tax Exempt
by confusedinvestor
Fri Apr 07, 2017 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 1 Fund or 'Own' ETF Portfolio ? Help me Decide
Replies: 12
Views: 818

Re: Vanguard 1 Fund or 'Own' ETF Portfolio ? Help me Decide

thanks i've updated my post

abuss368 wrote:Please consider using the fund names rather than ticker symbols as many folks do not memorize the ticker symbols. You may receive better responses.
by confusedinvestor
Fri Apr 07, 2017 12:10 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 1 Fund or 'Own' ETF Portfolio ? Help me Decide
Replies: 12
Views: 818

Re: Vanguard 1 Fund or 'Own' ETF Portfolio ? Help me Decide

Thank you, yes, i can ride for another few years to recover but I may have to then pull from my HELOC. I was considering worse case senario of 2008 when this portfolio lost 10.8 % and i could in theory have consecutive 10% loss 2 yrs...maybe CD is the way to go! thank syou For only 1.5-2 years, 30/7...
by confusedinvestor
Thu Apr 06, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 1 Fund or 'Own' ETF Portfolio ? Help me Decide
Replies: 12
Views: 818

Vanguard 1 Fund or 'Own' ETF Portfolio ? Help me Decide

Folks, I've a short term goal (1.5-2 years) and I'd like to invest 50K, hoping for a > 1 % Apy Ally savings return, can tolerate a 10% loss like 2008 for a AA: 30:70 Which portfolio/fund would you suggest and your thougts ? Just 1 time buy-hold and This $50K is not part of my long-term AA and I am i...
by confusedinvestor
Thu Apr 06, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Is robo for me?
Replies: 29
Views: 2084

Re: Is robo for me?

- What is Buffet 90-10? 2. Great post, good advise on Robo vs "typical" BH tinkering (which is really in-form of "active management"), 3. I have researching on Robo a lot and I wish there is BH-Robo which can do BH type AA, Slide-Dice portfolios, ER , .10, fees < .10, no-cash-dra...
by confusedinvestor
Thu Apr 06, 2017 1:18 am
Forum: Investing - Help with Personal Investments
Topic: Is robo for me?
Replies: 29
Views: 2084

Re: Is robo for me?

Given what you said, I'd say go robo. Robo will always outperform human's in-consistent behavior and random execution over extended period. You may do THL for .5 hr for 0-5 yrs and then, 6-10 years you may not so your return may be less vs Robo as Robo will be consistent executor of your investment ...
by confusedinvestor
Thu Apr 06, 2017 12:58 am
Forum: Investing - Help with Personal Investments
Topic: Is robo for me?
Replies: 29
Views: 2084

Re: Is robo for me?

IA is 28 bps on 25K minimum (you get unlimited CFP calls, MoneyGuide Prod Online Financial Plan) which invests in IP IP is 0 bps + "Cash Drag" IP is great b/c it does Auto TLH, auto investments on ETFs, no fees, cash-drag (7%-30%) whre Schwab makes $ on your $ in MMA, yet, latest independe...
by confusedinvestor
Wed Apr 05, 2017 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Creative Planning
Replies: 14
Views: 1603

Re: Vanguard vs Creative Planning

thank you! I will call this firm. Post edited: Looks like very expensive $450/hr with minimum 6-20 hours - so a complex plan could be as high as 10K which is 1% of 1 Million - Creative Planning will be cheaper.. "" The current billing rate is $450 per hour and a plan typically takes betwee...
by confusedinvestor
Wed Apr 05, 2017 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Creative Planning
Replies: 14
Views: 1603

Re: Vanguard vs Creative Planning

Oh my god! This post came at the right time, thank god, I could have lost $$ to Creative Planning. Recently, I signed up with Schwab IA for 25K (28 bps) with CFP access, I was not impressed by them. http://pressroom.aboutschwab.com/press-release/schwab-investor-services-news/schwab-announces-schwab-...
by confusedinvestor
Wed Apr 05, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Creative Planning
Replies: 14
Views: 1603

Re: Vanguard vs Creative Planning

They said they would review my portfolio for "free" and to see if i am good fit.

Idea of moving $$$ to AUM is very scary and here is what they send me as value add (unsure if this is just sales pitch or really tru)

http://thinkingbeyond.com/why-creative- ... entiation/
by confusedinvestor
Wed Apr 05, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Creative Planning
Replies: 14
Views: 1603

Re: Vanguard vs Creative Planning

Hi, Interesting. I had a 1 hour call with Creative Financial CP CP (120-100 bps) is much more knowledge vs VPS (30 bps) With Vanguard, it is total loss of 30 bps vs DIY 3 Fund Portfolio. Note, many folks in this forum are confused with Jack Bogle vs Vanguard, LadyGeek once said (so aptly), we follow...
by confusedinvestor
Tue Apr 04, 2017 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Finally 'Asking Portfolio Questions' - Not Feeling Good
Replies: 35
Views: 3707

Re: Finally 'Asking Portfolio Questions' - Not Feeling Good

Great, your situation and my situation are similar, and, i work in tech and my wife works in biology-research so our jobs/"human-capital" are diversified Just for peace of mind, we have hired a one-time fixed-fee CFP for doing financial planning to model the situation #2 and #3 you mention...
by confusedinvestor
Tue Apr 04, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Finally 'Asking Portfolio Questions' - Not Feeling Good
Replies: 35
Views: 3707

Very interesting. My family, situation, goals is a close Mirror copy of yours, except "index tracking" errors! lol! Yes, My twins, 6,6 goes to Kindergarten. Ye live modest living and splurge on home and travel. One of my goal is to figure out Room addition. We cant afford a bigger home ie ...

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