Search found 157 matches

by Misenplace
Fri Jun 15, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Need thoughts retirement plan with a possibly unfortunate wrinkle
Replies: 14
Views: 2730

Re: Need thoughts retirement plan with a possibly unfortunate wrinkle

Twist, I think maximizing your 401k contributions, and having an overall 70% equity/30% bond is a good idea. If you decide to cash out the annuity, you can invest the proceeds in a Total US Stock Index fund and a Total International Stock Index fund. Then you would keep your bond allocation in your ...
by Misenplace
Thu Jun 07, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5026

Re: daughter wants a college transfer?

She got a 3.4 doing premed her first year at Cornell? Wow. She did extremely well. Cornell has a notoriously brutal curve in the premed/engrg classes. She will most likely only do better as she advances, and the classes will get smaller and more intimate, especially her jr and sr year. If she wants ...
by Misenplace
Thu Jun 07, 2018 1:28 am
Forum: Investing - Help with Personal Investments
Topic: Need thoughts retirement plan with a possibly unfortunate wrinkle
Replies: 14
Views: 2730

Re: Need thoughts retirement plan with a possibly unfortunate wrinkle

Hey twist, Don’t rush into anything yet. Your investments are all in a good place, you are saving for the future, and you are on your way. Next Task is to make a good decision on the annuity. So let’s get the bottom line on it. Get that in force illustration first, and let the kind strangers here ta...
by Misenplace
Wed Jun 06, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Need thoughts retirement plan with a possibly unfortunate wrinkle
Replies: 14
Views: 2730

Re: Need thoughts retirement plan with a possibly unfortunate wrinkle

Welcome to the forum Twist! Nice first post. I've inserted some comments into your post in italics, and also had a few other suggestions below. So here's where I'm at (numbers rounded): Current 401K: Fidelity, $133,000 93% FUSVX FID 500 INDEX PR (.04% Expense) 7% MWTIX (Bonds) Contributing 5%, Compa...
by Misenplace
Mon Jun 04, 2018 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 273
Views: 12386

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

OP, You have an MD and a MBA, and you are looking to get to the back of the line behind folks about 40 years your junior. You will definitely get into a top tier law school, because I have no doubt that you will ace the LSATs, and you have sterling credentials. Any law school would be thrilled to ad...
by Misenplace
Sat Jun 02, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: June in Paris: What to (or not to) wear, see and do?
Replies: 53
Views: 2701

Re: June in Paris: What to (or not to) wear, see and do?

Someone on our travels recommended that we dine at the RESTAURANT GEORGES at the top of the Centre Pompidou. So the next time we were in Paris we did. Highly recommend it. The decor of the restaurant (indeed, the whole building) is a funky ‘Austin Powers ‘ type of place. So that alone was fun. But t...
by Misenplace
Fri Jun 01, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17256

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

For me, this was the most interesting response to OP. I say this as a full-pay parent of a highly-qualified student at a top-tier Liberal Arts College in the NE. I guess I'll be that guy . :) Do they really need to go to college? Many jobs of the future, including the "hottest" in-demand jobs right ...
by Misenplace
Tue May 22, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 2347

Re: Buying a Woman's Tag Heuer On-line

You're going about this wrong. I purchased an Omega Speedmaster in-person from a reputable watch shop. I showed up with a pile of $100 bills, spread the money on the counter and said I was serious about buying today if they would give me a 40% discount. I think we settled on a 32% discount. Came wi...
by Misenplace
Thu May 03, 2018 12:00 am
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15615

Re: How do you know when you have "won the game"?

You are doing great. You have won the game. But it sounds as if you want/need to work longer to support the lifestyle you have become accustomed to living. I guess I would not include the cars in net worth. They are rapidly depreciating assets. Also, if you have that size house in a LCOL area (just ...
by Misenplace
Tue May 01, 2018 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: At what point should you hire a financial advisor?
Replies: 25
Views: 2376

Re: At what point should you hire a financial advisor?

Hi all, LP Investments - $500,000 This. Do a search on this forum about LP Investments. I have also observed first hand (doing taxes for the elderly) the inappropriate investments they sell their customers. I agree with the advice above regarding estate and tax planning, also remember liability ins...
by Misenplace
Sat Apr 28, 2018 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 10616

Re: Cashing out of the Bay Area

There's zero chance that I would want to move back. I don't like the Bay Area anymore and doubt that I would even visit after I leave. I'm only here for work. *** No, I'm not interested in being a landlord, and would rather have far less of my net worth tied up in real estate. I'm absolutely certai...
by Misenplace
Fri Apr 27, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 67
Views: 7496

Re: Using Vanguard’s advisors

Vanguard PAS definitely takes into account tax considerations. I participated in a free portfolio review earlier this year. When first I spoke to the assigned advisor, I got the impression that he had not looked closely at our portfolio and was winging it. That was fine with me, I was just going thr...
by Misenplace
Thu Apr 26, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9445

Re: How did you tell the boss you're leaving/retiring?

When I gave my retirement notice about 3 years ago, I was prepared to be walked out the door. I think it is the wisest strategy. You are an at will employee, just as they are an at will employee. I gave my notice in late May, telling them I would be willing to work until the end of August if they wa...
by Misenplace
Sat Apr 21, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Europe- Zurich<->Paris- 10 days
Replies: 34
Views: 2201

Re: Europe- Zurich<->Paris- 10 days

A couple of years ago I rented a 2 bedroom apartment from Paris Vacation Apartments (commonly known as PVA on various travel boards). I would use them again.

http://parisvacationapartments.com
by Misenplace
Sun Apr 15, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 1918

Re: Spain in May end

Another vote here for the Basque country. Bilboa is an incredibly easy airport with connections to Amsterdam. Renting a car is simple there- the major rental companies are a short walk from your gate (no shuttle needed!). I think I liked the city of Bilbao better than the more beautiful San Sebastia...
by Misenplace
Tue Feb 06, 2018 3:31 am
Forum: Investing - Theory, News & General
Topic: Merrill Lynch site crashed today (VG fine)
Replies: 20
Views: 1542

Re: Merrill Lynch site crashed today (VG fine)

Triceratops,
I have obviously hit a nerve here, and I am not sure why. Please take a look at my posts because I don’t think I said what you are saying that I said.
Bonne nuit,
Misenplace
by Misenplace
Tue Feb 06, 2018 2:55 am
Forum: Investing - Theory, News & General
Topic: Merrill Lynch site crashed today (VG fine)
Replies: 20
Views: 1542

Re: Merrill Lynch site crashed today (VG fine)

Just wanted to give equal time here, because everyone seems to jump on VG when there is an issue. However, they are overall better than every other alternative out there. Agree to disagree, because this has most definitely not been my experience and your assertion is unproven (and I would argue, is...
by Misenplace
Tue Feb 06, 2018 1:50 am
Forum: Investing - Theory, News & General
Topic: Merrill Lynch site crashed today (VG fine)
Replies: 20
Views: 1542

Merrill Lynch site crashed today (VG fine)

Just wanted to post my own experience here. Had no problems doing a few rebalancing orders on Vanguard today about an hour before market close. But when I went to the Merrill Lynch site to finish my rebalancing activities, I could not get on until after the close of market (too late). Just wanted to...
by Misenplace
Mon Jan 08, 2018 1:53 am
Forum: Local Chapters and Bogleheads Community
Topic: DD just got married !
Replies: 39
Views: 4381

Re: DD just got married !

Congratulations Woodspinner! What a wonderful story. I can’t think of a better and healthier way to start a marriage, surrounded by in-laws who care and wish for their offspring only the best.
Misenplace
by Misenplace
Wed Dec 27, 2017 11:25 pm
Forum: Investing - Theory, News & General
Topic: Donor Advised Funds - Watch the fees
Replies: 7
Views: 885

Re: Donor Advised Funds - Watch the fees

Can you really "move" your DAF from VG to Fido? I thought that once you put it in the DAF, the money was not yours anymore- you donated it to the charitable DAF. All you can do is request that they make a bequest to the charity of your choice. If you request that they make a bequest to the Fido char...
by Misenplace
Sun Dec 24, 2017 1:49 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 109
Views: 8414

Re: Will you donate less to Charity?

What is a DAF? When does it make sense to use one? A DAF is short hand for a donor advised fund. You can look these up in the WIKI and on the Vanguard and Fidelity websites. I think Ron Lieberman also had an article in the last day or 2 on The NY Times regarding how now was the time to do one. Esse...
by Misenplace
Sun Dec 24, 2017 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 109
Views: 8414

Re: Will you donate less to Charity?

I convinced my spouse to load up our DAF since it doesn’t look like we will be itemizing under the new tax plan. We will put about 5-7 years of donations into it.

It does look bad for charities under this plan, given ‘human nature’.
by Misenplace
Thu Dec 14, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 624
Views: 68479

Re: Picking College and College Scholarships

Congrats to your son- he has already 3 great schools in the bag. It sounds as if he would be happy at any of these, so no matter what happens with his lottery schools, he is set.
by Misenplace
Mon Dec 11, 2017 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Making Best Use of Being in 15% Income Tax Bracket This Year
Replies: 22
Views: 3256

Re: Making Best Use of Being in 15% Income Tax Bracket This Year

Keep in mind, you may be able to roll your IRA into your 401k when you start your new job, and eliminate the problem posed by the pro rata rule for future ROTH back door contributions.

Sounds like you have a good handle on options for using up your 15% bracket space.
by Misenplace
Mon Dec 04, 2017 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Status Money website - good or bad?
Replies: 5
Views: 1163

Re: Status Money website - good or bad?

These polls are just collecting data on you. Data they can sell to the highest bidder who wants to learn how to better manipulate you in the future with respect to marketing, consumption, voting patterns, elections, etc. Do some research on psychographics and Big Data. You will see. Why would any bo...
by Misenplace
Sun Dec 03, 2017 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 158
Views: 23162

Re: Best Financial Moves You've Made

Choosing the right spouse. Hands down. When I reflect on the near misses, those whom I knew in my gut were not right, I’m glad I trusted my gut. I married the spouse who put us, our partnership, as a priority, and when the inevitable rocky times hit, we worked it out together. I feel blessed to have...
by Misenplace
Wed Nov 29, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 18023

Re: A good friend has nearly $1M in BitCoin what do I tell him?

him. Either way, he'll have a heck of a story to tell. Not this. Tell your friend to tell no one about have a fortune in Bitcoin. At least not until he diversifies and sells it. Something about this currency attracts criminal elements. I have heard anecdotally about early Bitcoin millionaires going...
by Misenplace
Tue Oct 31, 2017 9:34 am
Forum: Forum Issues and Administration
Topic: How to "follow" a thread of BH
Replies: 20
Views: 3149

Re: How do you follow your posts on BH?

Or click on the Quick links drop down menu at the top left to see “Your posts “.
by Misenplace
Tue Oct 24, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Attempted theft of bank funds via identity theft
Replies: 19
Views: 3021

Re: Attempted theft of bank funds via identity theft

It is ridiculously easy to obtain a fake driver's license with the perpetrator's photo and your name. The bank may be able to get a visual of the perpetrator from security footage if he/she opened the account in person.
by Misenplace
Thu Oct 12, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 8844

Re: Which Streaming Service/Live TV?

Thanks for the information everyone who chimed in. Also, that article Copper John mentioned is very helpful.
by Misenplace
Wed Oct 11, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 8844

Re: Which Streaming Service/Live TV?

YouTube tv sounds intriguing. Is it HD? Does it include BBC, PBS, ESPN? Those are pretty much all we watch besides Netflix. I would highly recommend YouTube TV if it's available in your market and the channel lineup meets your needs. In most if not all markets where it's available it includes the 4 ...
by Misenplace
Sun Oct 08, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Paternity/Maternity Leave & Its Influence on Career Trajectory
Replies: 23
Views: 2176

Re: Paternity/Maternity Leave & Its Influence on Career Trajectory

You owe it to yourself, your family, your team, and your company to take every day of paternity leave. The reasons for yourself and your family are self evident. The reason for your team is to set a good example and since you have set them up to perform well. The reason for your company is to let th...
by Misenplace
Mon Oct 02, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Bed Pillows
Replies: 15
Views: 2246

Re: Bed Pillows

Any pillow with memory foam will compress. The coop pillow contains shredded memory foam. (I wonder where is is sourced and why it is shredded?) Pillows made out of latex foam are far more resilient than any petrochemical-derived foam such as memory foam. In my experience, memory foam compresses wit...
by Misenplace
Tue Sep 12, 2017 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for 58 year old.
Replies: 23
Views: 2412

Re: Investment advice for 58 year old.

Put the TIPs in one of your tax advantaged accounts. There is a wiki on this (oh, how I love the wiki- thank you moderators):
https://www.bogleheads.org/wiki/Tax-eff ... _placement
by Misenplace
Tue Sep 12, 2017 12:24 am
Forum: Investing - Help with Personal Investments
Topic: Help me simplify
Replies: 20
Views: 2543

Re: Help me simplify

Thanks Earl, I didn't know that. Now Celia's advice, in its totality, makes sense.
by Misenplace
Mon Sep 11, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help me simplify
Replies: 20
Views: 2543

Re: Help me simplify

. NO. Keep your Rollover IRA separate from the traditional IRA especially if you've never "contaminated" the Rollover IRA with any money that didn't come from a previous employer plan. If that is the case, you could easily roll that Rollover IRA into your current (or a future) employer retirement p...
by Misenplace
Sat Sep 09, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help me simplify
Replies: 20
Views: 2543

Re: Help me simplify

On the college savings - I guess I feel like I'm a bit trapped. My kids won't qualify for any aid with our income, and it's so much more expensive than when I went. I feel your anxiety about the costs of college. But take a deep breath, and don't panic. I don't know what your kids stats may be, but...
by Misenplace
Sat Sep 09, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help me simplify
Replies: 20
Views: 2543

Re: Help me simplify

Welcome to the Forum! I'll offer my input on some of your questions. 1. Account allocation: should I change the way I’m contributing to the various accounts? a) I’m realizing that a Roth 401k is not a good idea in our tax bracket, so I should probably change my spouse over to a regular account. Any ...
by Misenplace
Wed Aug 23, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request - Need Help!
Replies: 7
Views: 1153

Re: Portfolio Review Request - Need Help!

Thank you for the advice! I opened up an IRA account and Joint Account at Vanguard this week. I liquidated my Scottrade IRA with the ETFs and I liquidated about 10k of mutual funds from Scottrade self-directed IRA. Moving in 50k to Vanguard IRA and 10k to joint account. Maybe move another 10k in a ...
by Misenplace
Mon Jun 26, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: need help with portfolio and asset location
Replies: 8
Views: 1519

Re: need help with portfolio and asset location

Hi bogleboyz, In my opinion, simpler is almost always better, and certainly easier to stick with up and down over the years. Also, in your high tax bracket (39%), you certainly would not want REITs or small cap value (SCV) in your taxable account. If you feel that you really want to hold REITs and S...
by Misenplace
Sun Jun 25, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Where to stay/what to do in Seattle
Replies: 18
Views: 1925

Re: Where to stay/what to do in Seattle

To Stay- try Capital Hill. It is a more interesting neighborhood to stay in than downtown. It feels youthful, lots of good restaurants, interesting shops (remember that song "ThriftShop"- it was about Capital Hill), yet still close enough to downtown and the ferry to walk (albeit a long walk, and up...
by Misenplace
Sun Jun 18, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Office Chair
Replies: 15
Views: 2202

Re: Office Chair

Human scale Freedom chair with headrest. You can find them used for about the same or less than an Aeron. I've never found a more comfortable chair. For me, more comfortable than an Aeron.
by Misenplace
Sun Jun 18, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: need help with portfolio and asset location
Replies: 8
Views: 1519

Re: need help with portfolio and asset location

Hi bogleboyz, You seem to have a great plan. I could not see any way to improve it. If I were starting with a clean slate and were your age, I think I would come up with something similar. However, I wondered what your current portfolio looked like, and whether there were any issues moving to this p...
by Misenplace
Sun Jun 18, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Inherited Assets, newly Semi-Retired
Replies: 13
Views: 1833

Re: Asset Allocation - Inherited Assets, newly Semi-Retired

EmmyLou, First, welcome to the forum! Your proposed 50:50 portfolio looks great to me and appropriate for your age and situation. I will take a shot at your two questions. 1. If you recently inherited the JnJ stock, then your cost basis is the market price on the date that the parent who willed it t...
by Misenplace
Fri Jun 09, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 6797

Re: (Very) Early Retirement vs Parenthood

I love children. I love our child. But I don't think a child completes anyone's life. If someone needs a child to complete their life, they are doing themselves, and that eventual child, a disservice. I am convinced that finding meaning for your own life outside of having children paramount. Childre...
by Misenplace
Tue May 30, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: New to the forum and retiring this fall
Replies: 55
Views: 7292

Re: New to the forum and retiring this fall

Life insurance is not completely tax free although you are right it is not included as taxable income to the beneficiary. However, if the OP is planning for his family, he needs to know that it is included in the estate of the deceased (in most situations-unless the deceased has set it up in a certa...
by Misenplace
Fri May 26, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 8447

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 tha...
by Misenplace
Thu May 25, 2017 1:04 am
Forum: Investing - Help with Personal Investments
Topic: Seeking Investment Help Following an Inheritance
Replies: 6
Views: 1392

Re: Seeking Investment Help Following an Inheritance

JR, You are in great shape- you have invested early and wisely, and are well on your way. 1. Yes, the market is at an all time high. It was also at a high last year and still went up. I have no idea where it will go in the short term, but I have to believe that it will go up in the long term. Paying...
by Misenplace
Tue May 23, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Investment Help Following an Inheritance
Replies: 6
Views: 1392

Re: Seeking Investment Help Following an Inheritance

@brother7- the student loan is not the original poster's student loan- it is his girlfriend's student loan. They are not even engaged yet. It appears as if OP is helping her on managing the issue, but there is an ex-husband involved and unwise for OP to take care of her debts at this time. A lot can...