Search found 19 matches

by dblck
Tue Feb 28, 2017 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Advise 98 yr old with 95% equities?
Replies: 33
Views: 4025

Re: Advise 98 yr old with 95% equities?

Thank you Mr. Larimore,

I greatly respect your opinion.
by dblck
Tue Feb 28, 2017 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Advise 98 yr old with 95% equities?
Replies: 33
Views: 4025

Re: Advise 98 yr old with 95% equities?

RM OP here. I take my fiduciary responsibility very seriously, which is actually why I start second guessing myself. Frankly, my investing policy (preferences?) is so at odds with what he does, it gets hard to know what is best. Do I have a fiduciary responsibility to other heirs, too? I am thinking...
by dblck
Tue Feb 28, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Advise 98 yr old with 95% equities?
Replies: 33
Views: 4025

Re: Advise 98 yr old with 95% equities?

Got it! Thanks for the prompt replies, and the reasons behind your conclusions. I do tell my father that his biggest gift to us has been his ability to take care of his own needs in old age. RM - thanks for relating your experience. It's odd, but I am more like your MIL than my father. However, I am...
by dblck
Tue Feb 28, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Advise 98 yr old with 95% equities?
Replies: 33
Views: 4025

Advise 98 yr old with 95% equities?

Wondering if I should make investment suggestions to my 98 year old father or let it be? His investments are 95% equity (6 large cap dividend paying stocks and 2 Janus equity funds) and 5% fixed income (credit union savings certificates). He needs roughly half of the stock dividend payments to fill ...
by dblck
Sat Jan 07, 2017 4:26 pm
Forum: Investing - Theory, News & General
Topic: "The 401k Problem We Refuse to Solve"
Replies: 49
Views: 5036

Re: "The 401k Problem We Refuse to Solve"

Thanks Livesoft, for adding some precision to my Roth IRA comment. I think DIL cannot do a tax deferred traditional IRA, but if she can, the IRA limit applies to total IRA contributions in a year doesn't it? (sorry to be lazy and not look it up.) Not sure I get that "deferred taxes" on unl...
by dblck
Sat Jan 07, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: "The 401k Problem We Refuse to Solve"
Replies: 49
Views: 5036

Re: "The 401k Problem We Refuse to Solve"

I think this discussion has answered a question I was thinking about posting: My DIL works for a company (over 100 employees) that does not offer any retirement benefits, so is it true the only "tax deferred" retirement plan available to her is the Roth IRA (I know contributions are after ...
by dblck
Mon May 25, 2015 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 61
Views: 6019

Re: Do Bogleheads plan to utilize Independent Living facilities?

Interesting discussion. My father (96) is in a nice "lifetime care facility" or CCRC, having moved from 10 years in independent living to assisted living. Mother passed away 2 mos after a second fall that landed her in the nursing portion. A few things bother me: the monthly "rent&quo...
by dblck
Mon Feb 23, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 2264

Re: Cross Country Ski Gear Tips/Destinations

Hi,

It is out of the way, but Grand Mesa is fabulous. Groomed trails - skate or traditional, backcountry, usually dry powder snow. Just beware it is 10,000 feet in elevation. Here is a link to the website.

http://gmnc.org/

A lot of the big areas have some good cross country also.

Have fun!
by dblck
Thu Jul 24, 2014 10:26 pm
Forum: Investing - Theory, News & General
Topic: VPW spreadsheet questions
Replies: 2
Views: 552

Re: VPW spreadsheet questions

Thank you for your response longinvest. Actually, I think I misled you -- much of the ROTH is in VTINX, which is mostly bonds. But I appreciate your comments. I suppose I might eventually move the entire ROTH to VTINX or something similar, but probably not for at least 10 years. Thanks again, I thin...
by dblck
Thu Jul 24, 2014 3:15 pm
Forum: Investing - Theory, News & General
Topic: VPW spreadsheet questions
Replies: 2
Views: 552

VPW spreadsheet questions

Hello, Thank you for the VPW spreadsheet -- I found it useful for confirming the possible outcomes of my own simple withdrawal plans. I think I get the gist of it, but I confess I am too lazy to explore it deeply. So, a couple of questions: 1) I see the VPW spreadsheet was recently updated. If I wer...
by dblck
Wed Feb 26, 2014 6:18 pm
Forum: Personal Consumer Issues
Topic: how to find an architect
Replies: 17
Views: 1310

Re: how to find an architect

Hi,

Here is a link to a great book if you have not used a contractor to build something major before. It has a chapter on architects that we found useful.

http://www.amazon.com/What-Your-Contrac ... t+tell+you

Good luck!
by dblck
Wed Jan 01, 2014 9:06 pm
Forum: Investing - Theory, News & General
Topic: Who is lump-summing a fund on January 2, 2014?
Replies: 49
Views: 5534

Re: Who is lump-summing a fund on January 2, 2014?

Last Friday we converted $19k to our Vanguard ROTH -- sent it to the money market fund. Now I need to put this into an index or target fund. My investment plan calls for an increase in international equities. But as I consider lump sum investing this into VTIAX, I am nervous that the NAV is high. Th...
by dblck
Wed Jul 17, 2013 4:09 pm
Forum: Personal Consumer Issues
Topic: Ground Source Heat Pumps?
Replies: 19
Views: 1698

Re: Ground Source Heat Pumps?

Hi, We put in a geo-exchange ground loop system when we built our house in 2009. We love it. We are in Colorado, so I don't know how my experience translates to NJ. But a couple of things to note: 1) The house must be well insulated for it to be cost effective. 2) The size of the geo-exchange loop i...
by dblck
Wed Apr 24, 2013 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: RMD from TSP
Replies: 48
Views: 4258

Re: RMD from TSP

Victoria, Regarding your question about sending the hypothetical $25 to your IRA account yourself and calling it a rollover, I think you could, but you can only do this once a year, I believe. (Edit -- maybe this is only for Roth conversion) Regarding changing from non qualified to qualified during ...
by dblck
Wed Apr 24, 2013 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: RMD from TSP
Replies: 48
Views: 4258

Re: RMD from TSP

I am having TSP send a monthly amount to my Vanguard rollover IRA. No taxes are withheld, and none due. I do not need RMDs yet. It took me a long time to figure this out, but I did encounter a very helpful TSP rep. The trick to having a rollover distribution is that it must be a full withdrawal, and...
by dblck
Sun Mar 10, 2013 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Medallion signature guarantee - is this requirement common?
Replies: 101
Views: 27092

Re: Medallion signature guarantee - is this requirement comm

Thank you for relating your experiences. I am more comfortable and less comfortable about it at the same time. I live in the "sticks" so I may have to travel hundreds of miles to get to the main bank (that will work although my account is at the branch, right?) I also see major problems ah...
by dblck
Sun Mar 10, 2013 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medallion signature guarantee - is this requirement common?
Replies: 101
Views: 27092

Re: Medallion signature guarantee - is this requirement comm

Thank you for your replies. The link to BankersOnline was informative. I can see why banks don't want to bother with it, but it is very inconvenient to change banks just for this service. Furthermore, I am certainly not transferring even close to $100K. Does anyone have an idea regarding how common ...
by dblck
Sun Mar 10, 2013 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medallion signature guarantee - is this requirement common?
Replies: 101
Views: 27092

Medallion signature guarantee - is this requirement common?

Hello, I am a first time poster. I would like to sell a Tweedy Browne Roth IRA mutual fund and transfer the proceeds into my Vanguard Roth IRA (to purchase a different fund), but discovered I must make the request to TB with a Medallion guaranteed signature. About a year ago I obtained such a guaran...