Search found 41 matches

by stockfuturist
Fri Nov 03, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Please - How to Invest Business Income from Sale
Replies: 10
Views: 646

Re: Advice Please - How to Invest Business Income from Sale

Only thing I don't like about this is all funds are in taxable accounts and will likely be taxed at the 39+3.8% rate. So bond yields and MM interest will be hit very hard. Not sure how to avoid that without moving more into equities... Cheers Apologize for interrupting, but why not do Vanguard's li...
by stockfuturist
Fri Nov 03, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Please - How to Invest Business Income from Sale
Replies: 10
Views: 646

Re: Advice Please - How to Invest Business Income from Sale

Thanks! I really appreciate the thoughts and links. I've read a bunch of those in the past except the windfall. I've been investing since I was 18-yrs old thanks to my father, so i understand the principles. I was just wondering if my logic/rational was right in this situation. I have not dealt wit...
by stockfuturist
Fri Nov 03, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Advice Please - How to Invest Business Income from Sale
Replies: 10
Views: 646

Re: Advice Please - How to Invest Business Income from Sale

Thanks! I really appreciate the thoughts and links. I've read a bunch of those in the past except the windfall. I've been investing since I was 18-yrs old thanks to my father, so i understand the principles. I was just wondering if my logic/rational was right in this situation. I have not dealt wit...
by stockfuturist
Wed Oct 25, 2017 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Please - How to Invest Business Income from Sale
Replies: 10
Views: 646

Re: Advice Please - How to Invest Business Income from Sale

Thanks! I really appreciate the thoughts and links. I've read a bunch of those in the past except the windfall. I've been investing since I was 18-yrs old thanks to my father, so i understand the principles. I was just wondering if my logic/rational was right in this situation. I have not dealt wit...
by stockfuturist
Wed Oct 25, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Should I put all bonds in our IRAs?
Replies: 5
Views: 532

Re: Should I put all bonds in our IRAs?

Mostly curious, how would you rebalance between accounts? I guess directing new cash flow to one versus the other is one way to rebalance but could take a while… If my retirement portfolio consisted of bonds in the Roth IRA and equities in the TIRA, how would I have rebalanced say in 2009 or 2010? ...
by stockfuturist
Wed Oct 25, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Please - How to Invest Business Income from Sale
Replies: 10
Views: 646

Re: Advice Please - How to Invest Business Income from Sale

Thanks! I really appreciate the thoughts and links. I've read a bunch of those in the past except the windfall. I've been investing since I was 18-yrs old thanks to my father, so i understand the principles. I was just wondering if my logic/rational was right in this situation. I have not dealt with...
by stockfuturist
Wed Oct 25, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Should I put all bonds in our IRAs?
Replies: 5
Views: 532

Should I put all bonds in our IRAs?

By chance our IRAs are 20% of our savings and Roth IRAs are 80% (ignoring some cash). Target Asset Allocation is 75/25 equity/bond. Any reason not to put only bonds in the IRAs? I would think this is better - I'd rather have the Roths grow more than the IRAs. All accounts are with Vanguard.

Thanks!
by stockfuturist
Wed Oct 25, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 143
Views: 15451

Re: New HSA provider Lively offers investments for $30/yr fee

Lively added this feature and emailed customers! Awesome.
by stockfuturist
Wed Oct 25, 2017 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Please - How to Invest Business Income from Sale
Replies: 10
Views: 646

Advice Please - How to Invest Business Income from Sale

Morning, Due to a partial sell of an LCC, I have $1.8M in cash. Some of this is in a personal savings account and some is in a trust. I would like the funds to earning something (keep up with inflation), but also want the majority available for possible cash-calls from other investors in the LLC ove...
by stockfuturist
Thu Oct 19, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Re: Uplifted Driveway = No Home Owners Policy ?!

Reporting back that we are going to replace our driveway. I shopped around and it's still a savings of $1,000/yr on insurance. Cost will be $6,000 to remove/replace ~800 sq-ft plus $2,000 for an extended area under our drive through cover. Driveway is curved and the cover area will need to be cut. S...
by stockfuturist
Fri Oct 13, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 143
Views: 15451

Re: New HSA provider Lively offers investments for $30/yr fee

Quick update on my situation. Apologies if this was covered already - didn't have time to read through responses. Account setup was easy but unfortuantely they are NOT ACCEPTING contributions through payroll deductions from my employer (and most likely most employers then). They're goal is to eventu...
by stockfuturist
Tue Oct 03, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 143
Views: 15451

Re: New HSA provider Lively offers investments for $30/yr fee

Setup with Lively was fine, but unfortunately they confirmed that they are not setup with my employer to do payroll contributions... Their suggestion was to transfer my existing balance with Select Account and consider post-tax contributions. I reminded them that post-tax contributions would miss th...
by stockfuturist
Thu Sep 28, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 143
Views: 15451

Re: New HSA provider Lively offers investments for $30/yr fee

Signup process was painless. 5-minutes. Now to see about switching my payroll deduction.
by stockfuturist
Wed Sep 27, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 143
Views: 15451

Re: New HSA provider Lively offers investments for $30/yr fee

Just signed up. Will let folks know how it goes once I transfer and link with my employer. Happy to support a start up that is focused on using your HSA as an investment. In interviews with the guys they clearly understand this aspect. Don't really see the downside of switching, unless they go under...
by stockfuturist
Fri Sep 22, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Re: Uplifted Driveway = No Home Owners Policy ?!

For reference... Uplifting is next to the pine. Cracks were not apparent when purchased by previous owner around 2012 (based on old photos). It is worse though, than it appears in this photo. And there have been additional cracks that have formed. So could also be due to general shifting soils, due...
by stockfuturist
Fri Sep 22, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Re: Uplifted Driveway = No Home Owners Policy ?!

op - If you elect to just have the two slabs replaced that are cracked badly suggest if you purchase this power washer attachment and rest of your drive will look almost like the new concrete. It does amazing job -fast an easy to use. One of best things I ever bought re to home upkeep. http://www.h...
by stockfuturist
Fri Sep 22, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Re: Uplifted Driveway = No Home Owners Policy ?!

For reference... Uplifting is next to the pine. Cracks were not apparent when purchased by previous owner around 2012 (based on old photos). It is worse though, than it appears in this photo. And there have been additional cracks that have formed. So could also be due to general shifting soils, due ...
by stockfuturist
Fri Sep 22, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Re: Uplifted Driveway = No Home Owners Policy ?!

Uplifted driveways are often indicators of other issues such as tree roots in sewer lines, or potential water line breaks, or shoddy construction. It could be a an indicator that a slab would fail but the voids are covered up with carpets. It’s not just about the potential for falls. With cracks on...
by stockfuturist
Fri Sep 22, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Re: Uplifted Driveway = No Home Owners Policy ?!

I'm sure this has been discussed since the 1800's, but can't an industry have a monopoly on the service it provides? if that service is required (it is if you have a mortgage) and they collude to control the service offerings/price? I know I used the term loosely. I know folks are saying there are ...
by stockfuturist
Thu Sep 21, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Re: Uplifted Driveway = No Home Owners Policy ?!

Why not just go back to your original company/policy? Yes it is more expensive, but then you don;t have to pay to fix the problem that you don't want to fix. I'm not surprised at all the the company with a policy cheaper by $1000 will want things fixed or to code, etc. before insuring. At lest get ...
by stockfuturist
Thu Sep 21, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Re: Uplifted Driveway = No Home Owners Policy ?!

$5-10K Would it really cost that much to fix the problem? I've lived in condos all of my adult life so I have no clue about how much home repairs cost, but that seems like a lot. Entire driveway is 800 sq-ft. about 1/3 has a major uplifted portion half way through it. Another 1/3 has inch-wide crac...
by stockfuturist
Thu Sep 21, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Re: Uplifted Driveway = No Home Owners Policy ?!

This thread has several references to GEICO, a company that does not underwrite homeowners insurance. GEICO will market other homeowner coverage, with companies varying depending on location. Would it be useful if the OP indicated who the actual insurance company (or companies) is? For reference, s...
by stockfuturist
Wed Sep 20, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Re: Uplifted Driveway = No Home Owners Policy ?!

Just to play devil's advocate, if you were on someone else's driveway, with the same issues, and you tripped and caused yourself great bodily harm, would you expect their insurance company to pay your medical bills? I have no mortgage, but my insurance company wanted to be sure I kept my house in g...
by stockfuturist
Wed Sep 20, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Re: Uplifted Driveway = No Home Owners Policy ?!

Just to play devil's advocate, if you were on someone else's driveway, with the same issues, and you tripped and caused yourself great bodily harm, would you expect their insurance company to pay your medical bills? I have no mortgage, but my insurance company wanted to be sure I kept my house in g...
by stockfuturist
Wed Sep 20, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Re: Uplifted Driveway = No Home Owners Policy ?!

How much is it lifted? 2-3 inches and sloping evenly toward the edge of the driveway. About 1.5-ft in diameter. Other cracks throughout big enough for small gravel. Also chipped where it meets the street. What bothers me is that 1) we have a mortgage 2) we are then required to have insurance (i'm f...
by stockfuturist
Wed Sep 20, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Re: Uplifted Driveway = No Home Owners Policy ?!

if insurers require this then they have a monopoly on reducing their risk by passing the cost on to home owners. They wouldn't even offer an alternative rate. There is no monopoly. Go find another provider. Its understandable that you are upset for being inconvenienced but that's all it is. Guess I...
by stockfuturist
Wed Sep 20, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Re: Uplifted Driveway = No Home Owners Policy ?!

How much is it lifted? 2-3 inches and sloping evenly toward the edge of the driveway. About 1.5-ft in diameter. Other cracks throughout big enough for small gravel. Also chipped where it meets the street. What bothers me is that 1) we have a mortgage 2) we are then required to have insurance (i'm f...
by stockfuturist
Wed Sep 20, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Re: Uplifted Driveway = No Home Owners Policy ?!

I appreciate the responses. However, I don't agree they are trying to 'help us'. They are trying to reduce their risk and increase their profit margin. The chances of me being sued is extremely minuscule. If I am, I have a $1M umbrella. It is not in my financial interest to spend $5-10K getting fixi...
by stockfuturist
Wed Sep 20, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5533

Uplifted Driveway = No Home Owners Policy ?!

Underwriter will not insure our house b/c of a slightly uplifted section of our driveway (due to liability). Geico says none of their companies will and they all require it be fixed.... Even though I have a $1M umbrella. Anyone experience this?
by stockfuturist
Tue Mar 07, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 131
Views: 16001

Re: GEICO auto rates vs. USAA: too good to be true?

Just switched to Gieco from State Farm and saved ~50% on two cars. State Farm was outrageous, $2600/yr for two excellent 35 yr old drivers, a 2016 car and a 2011 car. Geico is $1400/yr for better coverage. I had State Farm for 15 years and they were taking advantage of me with high rates and poor co...
by stockfuturist
Tue Mar 07, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Surface 3 - plugged in, not charging
Replies: 8
Views: 1597

Re: Surface 3 - plugged in, not charging

We have this problem with our company Surface 3's (not Pros). Charging is intermittent. We solved it by regulating the current using one of these: https://www.amazon.com/gp/product/B00ICR1UB6/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 Looks like it is not available, but you can find similar ones...
by stockfuturist
Mon Jan 09, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Advice on Portfolio / Savings
Replies: 13
Views: 1507

Re: Advice on Portfolio / Savings

Thanks to everyone for your replies. I have given this topic a lot of thought and additional reading, plus had lengthy discussions with the wife over our long-term goals, interests, etc. Basically we decided the simpler the better and to commit to the buy-hold strategy. I've gone with a 75% VTI and ...
by stockfuturist
Mon Jan 09, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Medical Complaint + Switching to HDHP for Child Birth Costs?
Replies: 26
Views: 2033

Re: Medical Complaint + Switching to HDHP for Child Birth Costs?

But I am prepared to fight this tooth and nail. I don't blame my insurance company either. I don't expect to argue with them and someone get them to process it as in-network. It was the doctor's office that I was lied to and told that everything the procedure was covered by my insurance and everyth...
by stockfuturist
Wed Jan 04, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Complaint + Switching to HDHP for Child Birth Costs?
Replies: 26
Views: 2033

Re: Medical Complaint + Switching to HDHP for Child Birth Costs?

We also went through IVF (in Australia), moved back to US and delivered under a PPO. Funny story, ours was not covered by our private insurance, but they accidentally reimbursed us and let us keep it. Keep in mind your estimate of birth costs is a minimum, and likely to be hire due to: - complicatio...
by stockfuturist
Wed Dec 21, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Portfolio / Savings
Replies: 13
Views: 1507

Re: Advice on Portfolio / Savings

I think most bogleheads wouldn't assume any return. Currently, valuations of stocks are high and there are many people out there that are predicting much lower returns for the next 10 years. The boglehead approach would be to ignore all that noise, and basically just save as much as possible. The r...
by stockfuturist
Wed Dec 21, 2016 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Portfolio / Savings
Replies: 13
Views: 1507

Re: Advice on Portfolio / Savings

Welcome Lee, - Any suggestions on getting above the 8.5-9% mark? No suggestion for getting above the 8.5-9% mark. I'm not even sure you can get above the 6% mark. You are spending energy looking at the wrong goal. I can accept higher volatility over the next 10-15 years. Are you sure? You have show...
by stockfuturist
Wed Dec 21, 2016 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Portfolio / Savings
Replies: 13
Views: 1507

Re: Advice on Portfolio / Savings

Thanks for the response. While I am frustrated at the results of my efforts/behavior over the past 6+ years, I learned a lot about the market and what I want/need out of investing. I still question the idea of buy and hold, and never 'getting out' or adjusting stock/bond ratio based on market trend...
by stockfuturist
Wed Dec 21, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Portfolio / Savings
Replies: 13
Views: 1507

Re: Advice on Portfolio / Savings

Lee, I will wait for others more knowledgeable than me to critique however I wanted to say that after 35 years (25 years professionally ) I finally understood that Trading (Market timing ) is completely different to Investing (Asset Allocation ). I like you missed this move and quite a few others d...
by stockfuturist
Tue Dec 20, 2016 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Portfolio / Savings
Replies: 13
Views: 1507

Re: Advice on Portfolio / Savings

Additional info from Morningstart X-Ray Service: - Average expense ratio of 0.15% - Commissions in Scottrade typically $7 % Stock Style Large Value 16.07 Large Core 19.56 Large Growth 17.50 Mid-Cap Value 8.79 Mid-Cap Core 11.04 Mid-Cap Growth 7.90 Small Value 7.38 Small Core 5.72 Small Growth 4.53 N...
by stockfuturist
Tue Dec 20, 2016 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Portfolio / Savings
Replies: 13
Views: 1507

Advice on Portfolio / Savings

Updated with additional details 2016.12.21. I'm looking for some advice on my portfolio allocation and savings approaches for retirement, kids college, etc. Pretty normal questions that I realize have been answered for other folks, but I would still appreciate some thoughts. Background... I started...