Search found 49 matches

by gopro
Mon May 02, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab
Replies: 7
Views: 1137

Schwab

After reading this link: http://www.schwab.com/public/schwab/nn/legal_compliance/compensation_advice_disclosures/investment_professionals_compensation/us_branch_representatives I do know now to why the VP FA wanted to put me into the intelligent portfolio. It really is not about me but about her... ...
by gopro
Mon Apr 25, 2016 7:20 am
Forum: Investing - Theory, News & General
Topic: Advisors recommendation
Replies: 4
Views: 494

Re: Advisors recommendation

because she is young and does not know what she is doing...
by gopro
Mon Apr 25, 2016 7:16 am
Forum: Investing - Theory, News & General
Topic: Advisors recommendation
Replies: 4
Views: 494

Advisors recommendation

husband will retire in 10 months and we will have to pull at least 3.5% for the first two years of retirement which would be around 35,000 This very young Advisor put us in this, knowing that we would have to pull from our IRA savings. Do you think we should have the 35,000 in cash or do we pull for...
by gopro
Sun Apr 24, 2016 10:16 am
Forum: Investing - Theory, News & General
Topic: admiral index funds vs reg. index funds
Replies: 6
Views: 611

admiral index funds vs reg. index funds

what is the difference in admiral index funds vs reg index funds. I know with the admiral to buy is higher but what else... I had this vanguard advisor give me a plan and they were all admiral funds
by gopro
Thu Apr 21, 2016 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: When take out pension
Replies: 8
Views: 843

Re: When take out pension

It is when my husband retires in January. We can not take our ssi until 66 or 67 because i am under the ssi windfall. Even if i wait until 66 or 67 if he dies my survivorship is going to about 1,000 less. When I take ssi, I will have to go under the spousal offset to get the 400, if I go under me I ...
by gopro
Thu Apr 21, 2016 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: When take out pension
Replies: 8
Views: 843

Re: When take out pension

when he retires and our income drops is when we are going to do a Roth conversion... at this time we only have $60,000 in the Roth.. I looked at some of the calculators and if we do not do a conversion and start taking some out and putting in another account, we will be in a very high tax bracket wh...
by gopro
Wed Apr 20, 2016 10:00 pm
Forum: Investing - Theory, News & General
Topic: "A Look at Vanguard's Robo-Advisor"
Replies: 36
Views: 6446

Re: "A Look at Vanguard's Robo-Advisor"

I am in this swabb int. portfolio.. Before I even read this I took each fund and broke it down to see what the expense ratio was. The guy I talked with today was trying to convince me that the portfolio was a good thing..... I am learning about all this stuff but I am not stupid to know that if you ...
by gopro
Wed Apr 20, 2016 3:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: new group-Georgia
Replies: 6
Views: 546

new group-Georgia

The Boglehead community in the Atlanta area folded... If you are interested in starting another group please let me know... I live Marietta
gopro
by gopro
Wed Apr 20, 2016 7:00 am
Forum: Personal Finance (Not Investing)
Topic: When take out pension
Replies: 8
Views: 843

When take out pension

I have finally figured it out so I want to put it out there to hear what you guys think. You have helped in the past. I am retired and husband retiring in January. When husband retires we have a 22 month window to deal with before his Normal Retirement Date. Our monthly spending will be around 4000 ...
by gopro
Sun Apr 10, 2016 11:56 am
Forum: Investing - Theory, News & General
Topic: Age 62 and investing
Replies: 7
Views: 1288

Re: Age 62 and investing

so if we have around 500,000 and we are 62 go 60% in Vanguard Total Bond Market Index and the rest in total stock market fund
by gopro
Sat Apr 09, 2016 5:03 pm
Forum: Investing - Theory, News & General
Topic: Age 62 and investing
Replies: 7
Views: 1288

Re: Age 62 and investing

this is what I did and have Margin tax bracket is 25%, retirement account, age 62.. this is what I have 20% VINIX Vanguard Institutuional IndexI, 15% VMCIX Vanguard Mid Cap Index I, 10% VSCIX Vanguard Small Cap Index I, 55% VIRTX Vanguard Institutional Target Retiremtn 2010 I have retired but my hus...
by gopro
Sat Apr 09, 2016 2:55 pm
Forum: Investing - Theory, News & General
Topic: Age 62 and investing
Replies: 7
Views: 1288

Age 62 and investing

The only bond fund available in my husbands 403b is the Vanguard total Bond market Index I VBTIX and in the Vanguard Institutional target retirement 2010 VIRTX is about 55% bond fund.... so I put 50% of the money in the VIRTX... is that ok or should I use the straight Bond Fund.. thanks
by gopro
Sat Apr 09, 2016 8:52 am
Forum: Investing - Theory, News & General
Topic: Best Bond to look at [Bond funds]
Replies: 3
Views: 408

Re: Best Bond to look at [Bond funds]

Margin tax bracket is 25%, retirement account, age 62.. this is what I have 20% VINIX Vanguard Institutuional IndexI, 15% VMCIX Vanguard Mid Cap Index I, 10% VSCIX Vanguard Small Cap Index I, 55% VIRTX Vanguard Institutional Target Retiremtn 2010 I have retired but my husband will retire in January ...
by gopro
Sat Apr 09, 2016 8:20 am
Forum: Investing - Theory, News & General
Topic: Best Bond to look at [Bond funds]
Replies: 3
Views: 408

Best Bond to look at [Bond funds]

What Bond fund to look at.... my bond is in the target fund 2010... but I have been told to get a bond fund.. hope to hear
by gopro
Wed Apr 06, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: anyone know myfincialanswers.com
Replies: 2
Views: 230

anyone know myfincialanswers.com

does anyone know anything about this website? myfincialanswers.com
by gopro
Wed Mar 30, 2016 8:00 am
Forum: Investing - Theory, News & General
Topic: Need to understand
Replies: 4
Views: 506

Need to understand

where do I go to understand what different funds that I need in retirement... such as for income, etc... thanks
by gopro
Mon Mar 21, 2016 1:29 pm
Forum: Investing - Theory, News & General
Topic: mutual funds or ETF
Replies: 6
Views: 713

mutual funds or ETF

mutual funds or ETF... which is better
by gopro
Tue Mar 08, 2016 9:22 am
Forum: Investing - Help with Personal Investments
Topic: when to invest
Replies: 12
Views: 1154

I have 100,000

I have 100,000 in cash I need to invest... I rolled it over from 403b into a IRA. what to buy.
by gopro
Thu Jan 14, 2016 10:52 am
Forum: Investing - Help with Personal Investments
Topic: when to invest
Replies: 12
Views: 1154

Re: when to invest

what funds should I look at
by gopro
Thu Jan 14, 2016 9:08 am
Forum: Investing - Help with Personal Investments
Topic: when to invest
Replies: 12
Views: 1154

Re: when to invest

I got talked into doing the Schwab Intelligent and rolling my 403b into schwab... so I got the other 100,000 in cash.. I wish I had of goine wih vangaurd... I dont know where to put it
by gopro
Thu Jan 14, 2016 9:02 am
Forum: Investing - Help with Personal Investments
Topic: when to invest
Replies: 12
Views: 1154

when to invest

I have 100,000 in cash when should I go in to invest?
by gopro
Thu Aug 06, 2015 9:53 am
Forum: Investing - Help with Personal Investments
Topic: ETF
Replies: 5
Views: 505

ETF

what do you think about ETF's
by gopro
Wed Aug 05, 2015 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: should I roll over 403 to IRA
Replies: 4
Views: 303

Re: should I roll over 403 to IRA

I am 61 years old and not employed anymore with the school system. Do I do vanguard or schweb ? My goal is not to take any money out of the funds until I need to at age 70. I have the 403b with lincoln alliance
by gopro
Wed Aug 05, 2015 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: should I roll over 403 to IRA
Replies: 4
Views: 303

should I roll over 403 to IRA

If I rolled over to vanguard or schweb ... I really do not know what funds... I have about 200,00 but right now they are in a 403b... help please
by gopro
Sat Jan 18, 2014 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: stock fund to invest
Replies: 2
Views: 242

stock fund to invest

I need to put about 5,000 in roth for 2013... I have account with vanguard... I want to be aggressive with the fund... what to put it into. thanks.. I have only 10,000 in my roth
by gopro
Thu Oct 24, 2013 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Mutual funds
Replies: 5
Views: 545

Re: Mutual funds

thanks that helps.. I would like to find a viedo on this too. Just trying to understand how to pick mutual funds
by gopro
Wed Oct 23, 2013 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual funds
Replies: 5
Views: 545

Mutual funds

When trying to diversify... I have been reading about the fund correlation. Where can learn more about this
by gopro
Wed Oct 23, 2013 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: help with choice of 403b and vanguard
Replies: 22
Views: 6598

Re: help with choice of 403b and vanguard

gopro wrote:thanks alot

Since I posted last...my husbands 403 has changed to translate rica. I have done anything yet. The new company translate rica has mostly vanguards funds that are very low. I am looking at keeping this and rolling over my Lincoln funds
What does any one think of transamerica
by gopro
Mon Oct 21, 2013 8:49 pm
Forum: Investing - Theory, News & General
Topic: HSA account?
Replies: 15
Views: 3433

Re: HSA account?

FICA taxes are what you're referring to. Even assuming one is over the social security compensation limit, the 1.45% medicare tax alone eats up any potential benefit with this technique. Periodically rolling over funds (if an option for the OP) is the best of both worlds. If you can rollover, that'...
by gopro
Mon Oct 21, 2013 3:12 pm
Forum: Investing - Theory, News & General
Topic: HSA account?
Replies: 15
Views: 3433

HSA account?

my employer this year is letting us set up an HSA account. It is with benefit wallet which is with bnymellon bank. The Employer can not give me the information I need like what investments are there so they told me to call the benefitwallet. That guy says that he could not give me the information. T...
by gopro
Sat Mar 16, 2013 10:23 am
Forum: Investing - Help with Personal Investments
Topic: help with choice of 403b and vanguard
Replies: 22
Views: 6598

Re: help with choice of 403b and vanguard

When i went to exchange my vanguard funds it stated that I could do so until May 2013. so I guess I will have to wait.. should I go ahead and change the 403b funds
by gopro
Sat Mar 16, 2013 8:12 am
Forum: Investing - Help with Personal Investments
Topic: help with choice of 403b and vanguard
Replies: 22
Views: 6598

Re: 403b choices

I would suggest at age 59 that you consider having about 50% stocks and 50% bonds, with about 20% of stocks in internatonal (that is int'l at 10% of overall portfolio). Portfolio size $437k; planning to invest $58k/yr. With that amount of hoped-for annual saving you can fully fund the two 403bs, hi...
by gopro
Fri Mar 15, 2013 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: help with choice of 403b and vanguard
Replies: 22
Views: 6598

Re: 403b choices

i got the boglehead guide to investing and the boglehead retirement.... my husband is reading and I am re reading. thanks for your help
by gopro
Fri Mar 15, 2013 5:18 am
Forum: Investing - Help with Personal Investments
Topic: help with choice of 403b and vanguard
Replies: 22
Views: 6598

Re: help with choice of 403b and vanguard

thanks I will go back and list all the expense ratios.... but in wifes 403b the only foreign fund is at .55% are these expense ratios ok? plus should we roll over to ira when we get 591/2? looking at vanguard.... the only problem is we are not going to reitre until 62 so we would start from 0 again ...
by gopro
Thu Mar 14, 2013 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: help with choice of 403b and vanguard
Replies: 22
Views: 6598

help with choice of 403b and vanguard

Emergency funds: 24,000 in credit union Debt: 0 Tax rate: 25% federal, 6% state Tax: married joint State: Georgia Age: 59 Desired asset allocation: ? stocks/? Bonds Desired International allocation: ? Husband 403b: 349,000 we have Lincoln alliance with our 403b... I dont have much choices 54.01% bon...
by gopro
Thu Mar 14, 2013 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: help with choice of 403b and vanguard
Replies: 22
Views: 6598

Re: 403b choices

wife 403b american funds europacific gr r5RERFX expense rato .55% Foreign large blend invesco real estate instiutional IARIX .91% Real Estate sentinel small company SIGWX .72% Small Growth columbia small cap index Z NMSCX .20% Small Blend Allianz NFJ small cap value insti PSVIX .78% small value blac...
by gopro
Wed Mar 13, 2013 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: emergency funds
Replies: 9
Views: 1105

Re: emergency funds

thanks
by gopro
Wed Mar 13, 2013 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: help with choice of 403b and vanguard
Replies: 22
Views: 6598

Re: 403b choices

4. Will post wifes 403b choices. Please do post the other funds offered in her 403b. How much do you expect to be able to save for investing annually during the next few years? Is there a match in the 403bs? If so how much? Age: 59 Desired asset allocation: ? stocks/? Bonds Desired International al...
by gopro
Wed Mar 13, 2013 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: help with choice of 403b and vanguard
Replies: 22
Views: 6598

Re: 403b choices

4. Will post wifes 403b choices. Please do post the other funds offered in her 403 will do How much do you expect to be able to save for investing annually during the next few years? Is there a match in the 403bs? If so how much? Age: 59 Desired asset allocation: ? stocks/? Bonds Desired Internatio...
by gopro
Wed Mar 13, 2013 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: help with choice of 403b and vanguard
Replies: 22
Views: 6598

Re: 403b choices

Emergency funds: 24,000 in credit union Debt: 0 Tax rate: 25% federal, 6% state Tax: married joint State: Georgia Age: 59 Desired asset allocation: ? stocks/? Bonds Desired International allocation: ? Husband 403b: 349,000 we have Lincoln alliance with our 403b... I dont have much choices 54.01% bon...
by gopro
Wed Mar 13, 2013 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: help with choice of 403b and vanguard
Replies: 22
Views: 6598

403b choices

SEE below post
by gopro
Mon Mar 11, 2013 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: emergency funds
Replies: 9
Views: 1105

Re: emergency funds

I might need to get out sooner than a year.. how about ally banks.. I am in a credit union now.. that gives nothing
by gopro
Mon Mar 11, 2013 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: emergency funds
Replies: 9
Views: 1105

emergency funds

I have about 25,000 for emergency money.. right now I have it in the credit union... where is a good place to keep it... we will be using some of the money to renovate the house. Thanks
by gopro
Sat Feb 23, 2013 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: 403b choices
Replies: 2
Views: 276

403b choices

we have 13 funds in our 403b Lincoln alliance.... should I first look at the expense ratio before picking the funds or look at the ROR
by gopro
Sat Feb 23, 2013 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: 403b expenses [Retiring Soon, Rollover to IRA?]
Replies: 6
Views: 565

Re: 403b expenses [Retiring Soon, Rollover to IRA?]

besides the boglehead to investing.... what did you say the other name of the book is? thanks
by gopro
Thu Feb 21, 2013 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: 403b expenses [Retiring Soon, Rollover to IRA?]
Replies: 6
Views: 565

403b expenses [Retiring Soon, Rollover to IRA?]

our 403b expenses are from 1.40 to .20 In about 4 months my husband will be 591/2 ... is it wise to roll our money over to an IRA? where the expenses would be lower

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