Search found 38 matches

by soccerrules
Fri May 26, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

You may want to research whether you can access your spouse's retiree health care plan should you retire early, and what is the cost. I assume she works for a school district since she has a 403b, and many states provide this for their early retirees. This might be a good option to keep open for th...
by soccerrules
Fri May 26, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

Question. I just tried to exchange a Boston Globe Partners for the VBTLX Vanguard Total Bond Admiral Shares. (In a tax-deferred account). The message said I must select from the same family and the same share class as the fund redeemed. Sooo... I guess I need to sell the fund to cash, wait for it to...
by soccerrules
Fri May 26, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

Retirejg and Livesoft -- THANKS, huge help. !!
by soccerrules
Fri May 26, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

One can sell all shares of a new fund held for less than 31 days for a loss and not have a wash sale. A wash sale is not illegal anyways, so I just wouldn't worry too much about it. Thanks, good to know I would not have bond funds in taxable, so I would not have a "3-fund portfolio" in ta...
by soccerrules
Fri May 26, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

I guess my last post was confusing and over complicated or just messy. I would like to move to the following and before making moves wanted some feedback on questions. Planning on the following this Asset Allocation 65% Stocks (20% International) and 35% Bonds. Ultimately getting to the following. 5...
by soccerrules
Thu May 25, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

Emergency funds: @ 5-6 Months with firm; plus $50K in bank savings acct to cash flow (upcoming car purchase, college cash flow, prop taxes etc) Backfill cash flow acct from current income. Probably a little loose for most BH's. EF = $75K in MM at Vanguard; $38K in Savings account (Car purchase, col...
by soccerrules
Mon May 22, 2017 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest Church Money
Replies: 54
Views: 3693

Re: How to Invest Church Money

In poor people A bit flippant but on point. The point of a church is to help the community flourish, not to become a hedge fund. First figure out what your goals are. Required, desired, and stretch. This should always be done before asset allocation, for a individual, church, or whatnot. When you a...
by soccerrules
Mon May 22, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

Topic: Your saving for your kids' education vs for your retirement. +1 on bayview's comments. Your kids can get a loan to pay for their education, you can't get a loan to pay for your retirement. (Or they can work PT, or work FT and go to school part time. I did.) Bottom line. Your kids have more f...
by soccerrules
Mon May 22, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

Thanks for the link, TAXES have been on my mind. I do have about $40K in LT Gains and $8K in ST gains that I need to deal with appropriately. You have 2 adult children. If they are in low tax brackets, then their long-term capital gains tax rate can be 0% for some portion of their LTCG. You can the...
by soccerrules
Mon May 22, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

Topic: Your saving for your kids' education vs for your retirement. +1 on bayview's comments. Your kids can get a loan to pay for their education, you can't get a loan to pay for your retirement. (Or they can work PT, or work FT and go to school part time. I did.) Bottom line. Your kids have more f...
by soccerrules
Mon May 22, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

I have posted a thread about 6 mo's ago, howeverTax Filing Status: Married Filing Jointly: combined Income $200-225K. Tax Rate: 28% Federal, 0% State (Fed effective rate has been less than 15% most years due to itemized deductions; 2016 was a one off year due to job change/seperation pay) State of ...
by soccerrules
Mon May 22, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

Aim, Aim, Aim ........SHOOT! I've initiated the Vanguard paperwork yesterday to move the money from Advisor (using Schwab) to Vanguard and hope to have transfer completed in a few more days. I've read some of the Wiki's, The Little Book of Common Sense Investing , and All About Asset Allocation . I...
by soccerrules
Fri May 19, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

Aim, Aim, Aim ........SHOOT! I've initiated the Vanguard paperwork yesterday to move the money from Advisor (using Schwab) to Vanguard and hope to have transfer completed in a few more days. I've read some of the Wiki's, The Little Book of Common Sense Investing , and All About Asset Allocation . I ...
by soccerrules
Wed Apr 26, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

You do have a lot going on how about simplifying some things? You have a car loan for 12K, and a home loan for 106K, and 407K in taxable investments. Be done with that. By the end of the month have no debt and 289K in taxable. Your life got a bit simpler and you just found a risk free investment. D...
by soccerrules
Wed Apr 26, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

If her Vanguard 403b is with a K-12 school district, it would be Vanguard's generic 403b plan which uses Investor class funds, not Admiral class. There's a $15/year per fund and a limit of 5 funds. So it makes sense to use a single Target Retirement or Life Strategy fund. The fee is waived if the f...
by soccerrules
Wed Apr 26, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

You do have a lot going on how about simplifying some things? You have a car loan for 12K, and a home loan for 106K, and 407K in taxable investments. Be done with that. By the end of the month have no debt and 289K in taxable. Your life got a bit simpler and you just found a risk free investment. D...
by soccerrules
Mon Apr 10, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

Option: Municipal bond fund. If you need/want bonds in taxable in your tax brackets (28% fed, 0% state), many advise using an intermediate-term national municipal bond fund. Why? --It's good diversification---provides beneficial exposure to a new market segment. --IT bond funds are reported to have...
by soccerrules
Mon Apr 10, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

I suppose it is possible for your 403b to have some weird conglomeration target fund series of it's own, made up of Vanguard funds. Can't say that I've seen it done, especially with a value tilt. And a combination of a balanced fund and individual funds. But I don't think I've ever seen one with a ...
by soccerrules
Mon Apr 10, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

retiredjg wrote:
soccerrules wrote:I believe these are the holdings in 403B Target 2025-2028 account

I doubt it. They are all Vanguard funds, but the Vanguard Target funds do not hold any of the listed funds.

10-4, I'll check it.
by soccerrules
Mon Apr 10, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

Congratulations on being pretty dang good with money. Your net worth is around 1.3 million at a pretty young age and I bet you have colleagues that are flat out broke. Thanks for the compliment, but I feel like I'm behind (maybe online BH wise), but probably know I'm really not. You have a car loan...
by soccerrules
Mon Apr 10, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

I do not believe we have any losses from previous years not recognized, but I believe there may be some smaller losses baked into the 2 taxable accounts currently. I'll look. The net totals were $7500 ST and $48K LT. I think I might keep the shares with short term gains until they become long term ...
by soccerrules
Fri Apr 07, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

Is there anything in the taxable account at a loss? Do you have any carryover losses from years past? I do not believe we have any losses from previous years not recognized, but I believe there may be some smaller losses baked into the 2 taxable accounts currently. I'll look. The net totals were $7...
by soccerrules
Thu Apr 06, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

In taxable, there are two kinds of costs. If you have capital gains (seems likely) you need to find out what they are for each fund. Perhaps you have website access to your accounts. Look for the unrealized capital gain/loss for each of the 15 or so funds you have. Each gain or loss can have a shor...
by soccerrules
Wed Apr 05, 2017 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

Re: We have a lot going on .... Input Requested.

Thanks for the thoughtful speedy replies: bloom2708, aristotlian,retiredjg, djpeteski, delamer, Vanguard fan 1367

Digesting :|
by soccerrules
Wed Apr 05, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6222

We have a lot going on .... Input Requested.

I have posted a thread about 6 mo's ago, however I will provide a little background. I have had our portfolio (20+ years) with a firm started by longtime friends (30+ yrs); although my direct adviser is no longer these individuals. Over the last 5-8 years I have been charged 1% per year on what they...
by soccerrules
Tue Mar 28, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 21538

Re:

Whataburger blows away In-N-Out Burger for the best fast-food chain burger. It's not even close THIS !! -- Don't get the In-Out hype. Burgers are "ok" at best (like a Big Mac), fries are waxy and lacking substance. For fast food burgers (means they have a drive thru) -- Whataburger 1st, W...
by soccerrules
Mon Mar 27, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Is it time to stop investing in the 529?
Replies: 12
Views: 2120

Re: Is it time to stop investing in the 529?

if she is your only child -- Stop and move future contributions to taxable account. It appears you have a good amount and could cash flow any additional expenses based on the $10K you are cash flowing for private school. I would take another look at your 529 once you get the first official bill. You...
by soccerrules
Wed Mar 22, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 5702

Re: Vehicles as a percentage of net worth

I consider Cars in my Net Worth. I use Edmunds.com as a guide for approx. value. I do not include household items (TV, Furniture) in my Net Worth. Now I do have 4 cars - 2- 2005's, 1- 2007 all worth about $11-12K and a 2010 worth more than the other 3 combined. :D I'm the same way. I figure anythin...
by soccerrules
Wed Mar 22, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 5702

Re: Vehicles as a percentage of net worth

I consider Cars in my Net Worth. I use Edmunds.com as a guide for approx. value. I do not include household items (TV, Furniture) in my Net Worth.

Now I do have 4 cars - 2- 2005's, 1- 2007 combined value about $11-12K and a 2010 worth more than the other 3 combined. :D
by soccerrules
Wed Mar 22, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 6821

Re: How did graduating out of daycare impact your finances?

We had one parent stay home while the kids were little. We did send them all to PreK (2-3 days a week, 1/2 days) that 18 years ago was $300 a month. When the oldest went to public kinder I moved the $300/mo to a 529 and have been doing that ever since. I did not do that with the other 2 though. 3rd ...
by soccerrules
Tue Mar 21, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 3566

Re: Do I need new tires?

+1 to above comments. Replace. You've gotten your moneys worth at $1.90 a tire a month cost. (if you paid $550, 6 years ago). I'd shop around but $550 for 4 "out the door" with build-up/warranty/rotations/tax.- is probably not bad. I buy all my tires (4 cars) from Discount Tire and have ha...
by soccerrules
Mon Mar 20, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance?
Replies: 20
Views: 1677

Re: How much life insurance?

Part of the decision depends on how many kids you plan to have, 1 or 3 (or more) makes a difference. I would err on the side of $1.5M minimum because it is cheaper and should be easier to get when you are younger. The goal should be if you "get hit by a truck" your wife can be able to adju...
by soccerrules
Thu Mar 16, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: How should I handle this? [Where to invest]
Replies: 8
Views: 924

Re: How should I handle this?

I would ask your HR rep about your 401K specifically. Most plans allow for changes to 401K/HSA any time throughout the year. Your benefits our locked unless you have a life event but you usually can make increases /decrease to 401K. Good luck.
by soccerrules
Tue Mar 07, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did you drop life and disability insurance?
Replies: 56
Views: 3817

Re: At what age did you drop life and disability insurance?

Plan to drop wife's term insurance at 50-52 (now to 1 year), me at 60 ( 8 years). I have been thinking recently of doing the same as our financial picture looks more favorable and the youngest is finishing HS in 3 years. Wife has $250K or $500K term life policy (it's been 20+ years, forgot). My wife...
by soccerrules
Tue Mar 07, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 81
Views: 5462

Re: What Car Should I Buy My Daughter as a Graduation Present

Lot's of great posts. Not knowing your situation and DD's likes/dislikes I would suggest the "shop together" idea. Give her a price range (including TTL). If you are not a car person, I would get connected with a friend of yours that is a car person and can help guide you both. We have use...
by soccerrules
Tue Mar 07, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 7652

Re: How much do you spend on food in a year?

Off Mint tracking for the last 12 months. 2 adults, 1 teenager and a temporary college aged live-in (buys own food usually). 2 out of town college students around part of the time (w/e and summers). We tend to eat at home during the week most of the time and then order in or eat out on weekends for ...
by soccerrules
Mon Nov 14, 2016 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Take SS at 62 or wait ?
Replies: 74
Views: 8400

Take SS at 62 or wait ?

New to Bogleheads. I am reading the Retirement Guide and have just jumped on the Forum. Open for input. I am 51, spouse 49. We currently have @ $425K in Trad/Rollover IRA's and $380K in Taxable Accounts; $50K Emergency Fund. Spouse has 403B with $35K balance based on last 2 years employment. Plan to...

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