Search found 18 matches

by tela
Mon Oct 31, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: Another Repair or Replace Car Thread
Replies: 28
Views: 2625

Re: Another Repair or Replace Car Thread

Hi All, Wow, thank you all for your quick responses. I knew a good range of opinions would be offered, and it’s helpful to think from the different perspectives that you’re giving me. Soboggled, j0nnyg1984, barnaclebob, jags4186: Kelly Bluebook estimates the car to be valued at (very good condition)...
by tela
Mon Oct 31, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: Another Repair or Replace Car Thread
Replies: 28
Views: 2625

Another Repair or Replace Car Thread

Good Morning to You All, I am having a dilemma on whether to repair my 2001 Subaru Forester “S” with 199,300 miles on it, or to spare further expenses and move on to a newer car. I recently took it to a mechanic for a thorough “look-over” and the overall estimate came to approx. $1850. Work needs to...
by tela
Sun Dec 08, 2013 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Living simply---can I retire next year?
Replies: 7
Views: 1632

Living simply---can I retire next year?

Hello All, Hope you are enjoying this Sunday afternoon! I am seeking advice and comments about my present portfolio, in light that I would like to retire in June, 2014. Being from a family of immigrants, I have learned to live simply and creatively all my life---so my yearly expenses will be about $...
by tela
Sun Apr 15, 2012 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional or I-Bonds?
Replies: 4
Views: 799

Re: TIAA Traditional or I-Bonds?

Thanks Wizard and House Blend for your replies. Yes I do max out my 403b and TiRA each year. I guess I was wondering if the money earmarked for an I-Bonds purchase should instead be used to transfer/switch within my current accounts. The TIAA Traditional seems to offer a consistent interest rate wit...
by tela
Sat Apr 14, 2012 10:51 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional or I-Bonds?
Replies: 4
Views: 799

TIAA Traditional or I-Bonds?

I was thinking of taking advantage of the current I-Bonds 3.06 / 2.2% rates for this year by buying $5000 before the end of April. The cash to do this is currently in VG Prime Money Market Fund. I-Bonds will be considered as a short-term vehicle---better interest rates than anywhere else, and I have...
by tela
Fri Jun 04, 2010 7:59 am
Forum: Investing - Help with Personal Investments
Topic: "Last" advice for this portfolio?
Replies: 10
Views: 1810

Hi Landy, Your suggestion does make a lot of sense, thanks again for clarifying that. How things stand in my portfolio right now is closer to 52/48 stocks/bonds anyway, so it won’t be too much to make it closer to 50/50. I’m on it! Thanks again to you and retiredjg for your care and attention. Be we...
by tela
Thu Jun 03, 2010 8:08 am
Forum: Investing - Help with Personal Investments
Topic: "Last" advice for this portfolio?
Replies: 10
Views: 1810

Re: "Last" advice for this portfolio?

Thanks retiredjg, for your last two responses! And part depends on what you do with the money you saved by not paying taxes. If it means you are saving more, it may be a very good choice. My #1 priority is to save as much as possible in retirement accounts, then what's left takes care of living and ...
by tela
Wed Jun 02, 2010 11:58 am
Forum: Investing - Help with Personal Investments
Topic: "Last" advice for this portfolio?
Replies: 10
Views: 1810

Re: "Last" advice for this portfolio?

Thanks, retiredjg and YDNAL for your quick and supportive replies. Response to retiredjg: I don't see any problems with it . Well, maybe one. Is your Traditional fund the kind you have to take out over 10 years? If so, your cash might be a little less liquid. [/quote] The TIAA Traditional in the GSR...
by tela
Wed Jun 02, 2010 7:11 am
Forum: Investing - Help with Personal Investments
Topic: "Last" advice for this portfolio?
Replies: 10
Views: 1810

"Last" advice for this portfolio?

In 2007 I wrote for advice for structuring a simple tax-efficient portfolio. Thanks to Laura, Landy, and others for their generous advice at that time---it was so helpful! It’s been three years since then and I think everything is pretty much in place. However I wonder if there is anything else to b...
by tela
Sat Oct 10, 2009 8:25 am
Forum: Investing - Help with Personal Investments
Topic: A small step to reduce my expense ratio?
Replies: 2
Views: 942

A small step to reduce my expense ratio?

Good morning! I hope all of you are enjoying this beautiful autumn day. I have a few questions that I ask for your advice, and to start off, my goal is to find ways to reduce expense ratio costs any way I can. I currently divide my TIAA 403b contributions to the TIAA Traditional and CREF Inflation-L...
by tela
Sun Mar 02, 2008 11:22 am
Forum: Investing - Help with Personal Investments
Topic: wash sale question
Replies: 15
Views: 3170

Thank you stan 1, Brian, and Ken for your time, considerations and clarifications....it is much appreciated!
by tela
Sat Mar 01, 2008 10:19 am
Forum: Investing - Help with Personal Investments
Topic: wash sale question
Replies: 15
Views: 3170

wash sale question

1. I just sold shares in TIAA International Equity mutual fund (TIERX) as a step to reach my desired asset allocation and simplifying my accounts. Because it was at a loss, I could take advantage of tax loss harvesting, and for the time being, the monies were put into a TIAA money market account, th...
by tela
Sun Jul 29, 2007 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Real Estate in Taxable
Replies: 7
Views: 1786

My AA for real estate is 10%, and with the TIAA RE holding its own these past few days, I'm pretty much on track with this allocation.

Thank you, Landy, Laura and CABob for your concern and help with my questions!

dl51
by tela
Sat Jul 28, 2007 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Real Estate in Taxable
Replies: 7
Views: 1786

Thank you CABob for your response....it has been very helpful!

dl51
by tela
Fri Jul 27, 2007 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Real Estate in Taxable
Replies: 7
Views: 1786

Real Estate in Taxable

A little while back, Laura graciously helped me with re-arranging my portfolio to make it the most diverse, tax-efficient and low- cost one. I have been slowly making changes but now have a question about a real estate securities account that is currently in the taxable portion of the overall portfo...
by tela
Wed Jun 06, 2007 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Catching Up
Replies: 9
Views: 2675

Many thanks Laura, you have definitely put me on a solid track…..you are the greatest!
One of the first things I do when I finish working is to transfer out of the profit-sharing plan and roll it over to Vanguard…I can’t wait!

Thank you again for your generosity.

dl
by tela
Tue Jun 05, 2007 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Catching Up
Replies: 9
Views: 2675

Hi Laura, Thank you for taking the time to look at the revisions I made to my savings. Much of what you said makes a lot of sense---things look simpler and easier to keep track of. As you requested, here are the options available for the 403b and profit-sharing plans, and their expense ratios. 403b ...
by tela
Fri May 25, 2007 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Catching Up
Replies: 9
Views: 2675

Catching Up

I am 55 years old and only started saving/investing in the last 8 years. I’m trying to catch up as much as I can; and would like any advice on how to maximize and simplify what I have in the most cost effective and tax- efficient ways. My house and car are paid off and I have less than $1000 in cred...