Search found 44 matches

by raptor001
Wed Jun 28, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Purchasing physical gold??
Replies: 66
Views: 9133

Re: Purchasing physical gold??

I purchase all of my gold and silver from APMEX for a few reasons. - Free shipping on orders over 100.00 ( I think that's the minimum ) - APMEX offers a free portfolio monitoring system that logs everything you bought, at what price, how much in weight , and total worth up to the minuet depending on...
by raptor001
Fri Jun 09, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Electric Razor
Replies: 17
Views: 1449

Re: Electric Razor

You need to get a razor that is suited for how you plan on using it and what kind of beard you have. I happen to have a very thick beard and therefore I need a razor that is made to handle that specifically. The Braun series 7 and 9 seemed to be rated the best for that. I also wet shave with my elec...
by raptor001
Tue Jun 06, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Ibonds in Roth
Replies: 7
Views: 648

Re: Ibonds in Roth

Thanks.. I just saw that last response. Thank you. Thats to bad...LOL
by raptor001
Tue Jun 06, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Ibonds in Roth
Replies: 7
Views: 648

Re: Ibonds in Roth

I appreciate the response. But I was wondering if there is a way I can put IBonds in a Roth. I understand that there might be certain products that might be better to store there.
by raptor001
Tue Jun 06, 2017 6:42 am
Forum: Investing - Help with Personal Investments
Topic: Ibonds in Roth
Replies: 7
Views: 648

Ibonds in Roth

Is there anyway you can protect Ibond purchases from federal income tax through a Roth?
by raptor001
Sat Jun 03, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out all tax advantaged options?
Replies: 24
Views: 2371

Re: What to do after maxing out all tax advantaged options?

Thanks guys. It's always nice to get different perspectives on things.
by raptor001
Sat Jun 03, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on emergency account amount.
Replies: 22
Views: 2312

Thoughts on emergency account amount.

I was wondering how you guys come up with how much you need for your emergency account. Not looking to see how many months or years you keep in reserve. Looking more to see how you came up with the number. Me and my wife are working towards holding 1 year of funds. But that is 1 year of expenses wit...
by raptor001
Fri Jun 02, 2017 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out all tax advantaged options?
Replies: 24
Views: 2371

What to do after maxing out all tax advantaged options?

Me and my wife max out our def comps, Roth IRAs, and 529 ( Up to state credit - 10,000 ). Is there a boglehead school of though on the next logical move for excess savings? Ibonds to the max allowed, taxable account, reits, etc, etc....?
by raptor001
Wed May 31, 2017 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: IBonds count as part of bond allocation?
Replies: 12
Views: 781

Re: IBonds count as part of bond allocation?

Thanks for the quick replies guys!!! Always a wealth of knowledge and good advise.
by raptor001
Wed May 31, 2017 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: IBonds count as part of bond allocation?
Replies: 12
Views: 781

Re: IBonds count as part of bond allocation?

Thanks for the quick replies guys!!! Always a wealth of knowledge and good advise.
by raptor001
Wed May 31, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: IBonds count as part of bond allocation?
Replies: 12
Views: 781

IBonds count as part of bond allocation?

I feel like this might be a silly question but here it goes. Lol. My investment routine is very rigid and automatic regarding how much I buy and of what fund. With my extra money I was planning on buying Ibonds. Should that count towards my bond allocation? Also is there any down fall to buying IBon...
by raptor001
Sat May 06, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3316

Re: Swing Set 2700.00??

This money won't be saved. It is earmarked for a swing set. We save about 30% of every dollar we make. If I tried to save this my wife would loose it lol! Plus it's money people have been giving my son for his "swing set fund " I will look on craigslist for sure. I never thought about a me...
by raptor001
Fri May 05, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3316

Swing Set 2700.00??

Is it possible that a decent swing set / play area can cost 2700.00 installed LOL. I have looked around, compared warranties, and seen the differences in quality. I am not cheap and dont mind paying for quality, but man when I look at it it looks like 500.00 in cedar and a plastic slide! Has anyone ...
by raptor001
Fri May 05, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: When to consider Long Term Care Insurance
Replies: 38
Views: 2914

Re: When to consider Long Term Care Insurance

Thank You all for the responses. I think I am going to hold off for now based on reading over theses posts. At 36 I think its to early in the game for me.
by raptor001
Sat Apr 29, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: When to consider Long Term Care Insurance
Replies: 38
Views: 2914

When to consider Long Term Care Insurance

Is there a certain age, criteria, etc. that one should consider buying this coverage for me and / or my wife ? Me and my wife are in our mid 30s with soon to be two children. Just watched a family member go through ALS and all that comes with that. Got me thinking about what care costs and if I am m...
by raptor001
Sat Apr 29, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Social media marketing service ?
Replies: 9
Views: 574

Re: Social media marketing service ?

Thanks for the replies. A lot to think about! I will explore the suggested avenues. The intern suggestion sounds good but how would you know if they were the one for the task without knowing much about what I am looking for in the first place? I feel like that could be a risky gamble putting my busi...
by raptor001
Tue Apr 25, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Social media marketing service ?
Replies: 9
Views: 574

Social media marketing service ?

I own a Solar energy business. We are doing very well but our marketing is lacking in one major way. My knowledge In Facebook, Twitter, etc is nonexistent. We are doing well because of quality work at extremely fair prices which is all well and good for now. The time has come to step up our game. Wh...
by raptor001
Mon Apr 24, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 3846

Re: Zero-Turn Mowers

I have a Toro 42in deck Zero Turn with a 21.5hp Kawasaki engine and I can't say enough good things about it. I came from a sit on tractor with a 48in deck and I cut the gras in half the time on the zero turn. I cut about an acre of lawn in about 20 min on the slow speed. It has a fast speed but I no...
by raptor001
Sun Apr 16, 2017 7:32 am
Forum: Personal Consumer Issues
Topic: What printer to buy for small bussiness
Replies: 5
Views: 343

Re: What printer to buy for small bussiness

Thank you for your reply! What would someone in my position expect to pay for something like this monthly? I know I just went to staples and they charged me 20.00 to print one proposal on glossy heavy weight paper!!!!
by raptor001
Sun Apr 16, 2017 6:35 am
Forum: Personal Consumer Issues
Topic: What printer to buy for small bussiness
Replies: 5
Views: 343

What printer to buy for small bussiness

I am looking for a printer / fax / copier/ scanner - all in one that has the capability of printing crystal clear Solar Installation proposals for my clients. If it matters, the proposals often have pictures, graphs, and charts along with text. The average proposal is in full color and is about 30 p...
by raptor001
Sun Apr 09, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Roth or 457B
Replies: 1
Views: 179

Bonds - Roth or 457B

I am coming up on my first re-balancing of my AA. I am wondering what the thought process is in where is the bond portion of our portfolio better served? Fill up roth or 457B?
by raptor001
Sun Apr 09, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Ibonds and pension.
Replies: 7
Views: 1037

Re: Ibonds and pension.

I do not believe I will be in a "Higher " tax bracket. Just what I consider to be a "High" tax bracket.
by raptor001
Sun Apr 09, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Small businesses and tax advantaged investment accounts
Replies: 2
Views: 194

Small businesses and tax advantaged investment accounts

I am currently maxing out 529 ( Up to amount state gives credit for ), 457B, and two back door Roths ( Me and wife). I am in the process of starting a small business ( S Corp ) and was wondering if I would be eligible to any other tax deferred or tax free ( Roth ) opportunity's for the profits that ...
by raptor001
Sun Apr 09, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Ibonds and pension.
Replies: 7
Views: 1037

Re: Ibonds and pension.

Thanks guys!!!! As always - Very helpful.
by raptor001
Fri Apr 07, 2017 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Ibonds and pension.
Replies: 7
Views: 1037

Ibonds and pension.

Me and my wife are in our mid thirties. In 10 years we have 50% pensions coming to us ( Hopefully ). I have our 1 year emergency fund in a high yield savings account. My plan was to start putting 1400 a month in an taxable account and 500 a month In I bonds and a CD ladder( we are maxing out all tax...
by raptor001
Tue Mar 28, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Non-Qualified index annuity ???
Replies: 7
Views: 427

Re: Non-Qualified index annuity ???

Man I love this site! Thanks for the replies. I really do appreciate it.
by raptor001
Tue Mar 28, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Non-Qualified index annuity ???
Replies: 7
Views: 427

Re: Non-Qualified index annuity ???

I read that wiki page. Thanks for that. So all in all a very complicated product where bad out weighs the good? Is there any way to set this up where it is a great investment or is this general kind of product like whole life insurance go against the Boglehead way?
by raptor001
Tue Mar 28, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Non-Qualified index annuity ???
Replies: 7
Views: 427

Non-Qualified index annuity ???

Hey guys. This site has been great! Changed my investing life! Me and my wife are currently maxing out our 457s, Roths, 529 to the limit of the state tax credit, and split the rest of our excess cash between taxable brokerage and cash - while maintaining our 85-15 AA. We have 12 months emergency fun...
by raptor001
Thu Mar 23, 2017 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Different AA's in different accounts?
Replies: 4
Views: 227

Re: Different AA's in different accounts?

I should have been more clear. I have a separate emergency fund. This money I am talking about is in a taxable brokerage account not my emergency fund. My emergency fund is in a high yield savings account.
by raptor001
Thu Mar 23, 2017 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Different AA's in different accounts?
Replies: 4
Views: 227

Different AA's in different accounts?

In our Deff Comp accounts, NYS 529, and Roth IRA's we hold a 85/15 split ( We have pensions ). I opened a taxable account and was thinking because we might need the money in the future ( I do not know for what but we do not like to use our emergency fund for buying cars or vacations ). I would do ma...
by raptor001
Mon Mar 20, 2017 7:16 am
Forum: Investing - Help with Personal Investments
Topic: My plan and questions
Replies: 7
Views: 857

Re: My plan and questions

Thank you so much for all this feedback!!! I was not clear on the children aspect of my profile. I currently have one 2yr old and one child on the way. Not three children. I was planning on paying for both children's college, hopefully with the 529. I am a little confused on how to accurately gauge ...
by raptor001
Sun Mar 19, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: My plan and questions
Replies: 7
Views: 857

Re: My plan and questions

I was thinking of using the three fund portfolio for the 529. I was just confused on the AA being I would need it sooner then my other funds.

Re: the Roth, I am using the backdoor method.
by raptor001
Fri Mar 17, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: My plan and questions
Replies: 7
Views: 857

My plan and questions

When I first found this site I had a few questions and did not read how to properly post information so you guys could help me. I have since drafted a proper post ( I hope...LOL ) and was hoping that you guys wouldn't mind taking another look. Again this site is a wealth of knowledge and I cant wait...
by raptor001
Sat Mar 11, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA question.
Replies: 2
Views: 227

Re: Roth IRA question.

Thank you
by raptor001
Sat Mar 11, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA question.
Replies: 2
Views: 227

Roth IRA question.

When setting up me and my wife's Roth IRA online with Vanguard they asked me if I wanted my dividends reinvested automatically or not. I do want them reinvested automatically but was wondering if I would be responsible for any yearly tax on this money reinvested or is it non-taxable because its in a...
by raptor001
Wed Mar 08, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Trying to help a friend. Taxable account
Replies: 7
Views: 633

Re: Trying to help a friend. Taxable account

That is all very good advise. Thank you all
by raptor001
Wed Mar 08, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Trying to help a friend. Taxable account
Replies: 7
Views: 633

Re: Trying to help a friend. Taxable account

Sorry about the percentages. I really appreciate you guys looking at this. It is all in a taxable account. She is in a "Managed " account and paying the fee. She is in a low tax bracket. She is 60 and this is her only investment except 26,000 in a Vanguard Money Market VMMXX.
by raptor001
Wed Mar 08, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Trying to help a friend. Taxable account
Replies: 7
Views: 633

Trying to help a friend. Taxable account

I have a friend I am trying to help that came into some money ( 550,000 ) and has it in a Vanguard account. The Vanguard adviser put her in these funds. FUND TOTAL COST WHEN PURCHASED VFIDX Intermediate - Term Investment Grade Fund Admiral 47,728 VFSUX Short - Term Investment - Grade Fund Admiral 30...
by raptor001
Sun Mar 05, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: 60/40 Stock bond split
Replies: 8
Views: 1078

Re: 60/40 Stock bond split

Wow. That was fast. Thank you for that reply.
by raptor001
Sun Mar 05, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: 60/40 Stock bond split
Replies: 8
Views: 1078

60/40 Stock bond split

I know past returns are no guarantee of future returns. But just out of curiosity I was wondering if there is any data of a 60/40 split ( 60% total US stock market / 40% total US bond market ) for say last year, 5 years, 10, 20 etc... after posting in a previous thread and being directed to the &quo...
by raptor001
Fri Mar 03, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Please tell me if I should be doing anything different.
Replies: 12
Views: 1034

Re: Please tell me if I should be doing anything different.

Yeah I am going to "back door" the Roth IRA per my accountant.


Is there a typical formula you guys use for calculation of term life amounts and length?
by raptor001
Fri Mar 03, 2017 12:52 am
Forum: Investing - Help with Personal Investments
Topic: Please tell me if I should be doing anything different.
Replies: 12
Views: 1034

Re: Please tell me if I should be doing anything different.

I just wanted to say that I should have read the "start here" section first and I'm sorry for not posting in the proper format with the proper information needed. I will rectify this in future posts. Re: life insurance. What would you guys s recommend for term for me and my wife(length and...
by raptor001
Wed Mar 01, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Please tell me if I should be doing anything different.
Replies: 12
Views: 1034

Re: Please tell me if I should be doing anything different.

I am planning on maxing out my def comp, a 529 college acct, and two ROTH IRA ( me and wife ). I also plan on investing 7000 a year into a taxable brokerage account, and adding 4500 a year to my cash savings account. As far as the life insurance goes the cash values I posted and what I can walk with...
by raptor001
Wed Mar 01, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Please tell me if I should be doing anything different.
Replies: 12
Views: 1034

Please tell me if I should be doing anything different.

Hi. This site is AMAZING!!! I was hooked after reading Mr. Bogles book. I feel I am on track but have made some mistakes. Before everyone grills my insurance salesman I want to make clear that he gave me what I asked for. The insurance is one thing I am changing for sure, thinking 3o year term on bo...

Go to advanced search