Search found 18 matches

by shavenyak
Thu Aug 15, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 5680

Re: "Negotiating" Salary

Thanks for all of the responses. Will pass on to my nephew (he isn't in tech)...there's a lot to learn from the responses.

Again, in short, the situation is as simple as it sounded in the original post.
by shavenyak
Tue Aug 13, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 5680

"Negotiating" Salary

I'm asking for my nephew who is interviewing for a job...in short, what would be a wise, professional response to a situation where a prospective employer asks him what he "needs/wants" in compensation before they indicate what they are able/willing to pay? My nephew has a dollar figure in mind base...
by shavenyak
Fri Jun 21, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: A week or so in West Virginia
Replies: 9
Views: 1116

Re: A week or so in West Virginia

Thanks everyone!
by shavenyak
Thu Jun 20, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: A week or so in West Virginia
Replies: 9
Views: 1116

Re: A week or so in West Virginia

Thanks for the excellent responses! We're basically starting from the No. VA area.
by shavenyak
Thu Jun 20, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: A week or so in West Virginia
Replies: 9
Views: 1116

A week or so in West Virginia

Just broke free from some summer commitments, and as of this morning, I'm interested in an adventurous week (rafting especially, hiking...some sightseeing okay too) or so in West Virginia in July or August. I'd be grateful for recommendations. Thanks in advance.
by shavenyak
Tue Jun 18, 2019 8:04 pm
Forum: Personal Investments
Topic: Investment Options in Retirement
Replies: 9
Views: 1628

Re: Investment Options in Retirement

Thanks, GmanJeff. Solid advice.

Delamer, thanks again for the reassurances.
by shavenyak
Tue Jun 18, 2019 6:11 am
Forum: Personal Investments
Topic: Investment Options in Retirement
Replies: 9
Views: 1628

Re: Investment Options in Retirement

Thanks, delamer. Pension and TSP account are mine. No issue with WEP. Wife took care of disabled son and didn't work outside the home.
by shavenyak
Mon Jun 17, 2019 7:48 pm
Forum: Personal Investments
Topic: Investment Options in Retirement
Replies: 9
Views: 1628

Re: Investment Options in Retirement

ExitStageLeft: We're grateful for the time you took to lay out a game plan. We learned a lot that we can put into practice. Thank you.

Watty: Thank you for the important information. We'll take your advice to make sure we roll the money out to an IRA.
by shavenyak
Mon Jun 17, 2019 12:27 pm
Forum: Personal Investments
Topic: Investment Options in Retirement
Replies: 9
Views: 1628

Investment Options in Retirement

In short, I have spent the last year plus in and out of a health crisis. Even with good health insurance it was costly but I'm mostly out now and able to focus again on financial matters, which have always made my wife's and my eyes glaze over. What little we know that makes sense was gleaned from s...
by shavenyak
Sun Jan 13, 2019 7:07 pm
Forum: Personal Investments
Topic: Short-term bond allocation
Replies: 8
Views: 813

Re: Short-term bond allocation

Thanks to everyone who answered.

Livesoft, thank you for providing the wealth of linked info. What do I think after reading that thread twice? I'll be in no rush to make any changes to my bond allocation.
by shavenyak
Sun Jan 13, 2019 1:26 pm
Forum: Personal Investments
Topic: Short-term bond allocation
Replies: 8
Views: 813

Short-term bond allocation

I heard Jane Bryant Quinn (JBQ) recommend that your bond allocation should be divided between high quality short-term and intermediate-term bond funds. Fwiw, all of my bond allocation (the 40% of 60/40) is in BND (Vanguard Total Bond Market ETF/purchased latter half of 2018). I was wondering if I sh...
by shavenyak
Wed Apr 18, 2018 8:49 pm
Forum: Personal Investments
Topic: Bond allocation for taxable accounts
Replies: 5
Views: 1125

Re: Bond allocation for taxable accounts

Thanks for all of the responses. Very helpful to me as I learn and untangle a taxable account that is largely tied up in funds and stocks.
by shavenyak
Wed Apr 18, 2018 1:46 pm
Forum: Personal Investments
Topic: Bond allocation for taxable accounts
Replies: 5
Views: 1125

Bond allocation for taxable accounts

Novice here...I (finally) understand why it's preferable that the likes of VBTLX and BND as well as Target Retirement funds be held in a non-taxed account. We are recently retired (looks like 22% 2018 tax bracket). In brief, re: taxable accounts where we lack flexibility but want to allocate about 4...
by shavenyak
Sun Apr 08, 2018 10:24 am
Forum: Personal Investments
Topic: 3-port vs. Vanguard LifeStrategy Funds
Replies: 4
Views: 1103

3-port vs. Vanguard LifeStrategy Funds

If you have a 3-port approach and your AA is 40/60 stocks/bonds or 60/40, why would you choose VTSAX/VTIAX/VBTLX or VTI/VXUS/BND over Vanguard LifeStrategy Conservative Growth Fund (VSCGX)--40/60 or Vanguard LifeStrategy Moderate Growth Fund (VSMGX)--60/40? E.g., do the lower expense ratios of the m...
by shavenyak
Thu Dec 21, 2017 8:12 pm
Forum: Personal Investments
Topic: Just downsized at age 60...input appreciated
Replies: 56
Views: 6173

Re: Just downsized at age 60...input appreciated

shavenyak - In order to give appropriate advice, it's best to keep all the information in one spot. I merged your later thread back into the original. Thanks, LadyGeek and to everyone who responded to my original Dec. 3 post. The truth is that due to an administrative snafu (my fault), I didn't rea...
by shavenyak
Thu Dec 21, 2017 12:46 pm
Forum: Personal Investments
Topic: Just downsized at age 60...input appreciated
Replies: 56
Views: 6173

Re: Downsized at age 60. Input appreciated.

OP is very well off considering he needs only $90k p.a., of which $54k already comes from a pension. I.e. he needs $34k p.a. from his portfolio. My own stance will be far less conservative. Stick the $2.3 million in 100% stocks (US only or worldwide depending on individual appetite/taste). Withdraw...
by shavenyak
Wed Dec 20, 2017 7:48 pm
Forum: Personal Investments
Topic: Just downsized at age 60...input appreciated
Replies: 56
Views: 6173

Downsized at age 60. Input appreciated.

[Thread merged into here, see below. --admin LadyGeek] Loved my job, but am sure I'll love retirement now too even though it came a couple of years earlier than I belatedly thought I had to start planning for. Just started reading and learning from this wonderful site. Do the allocations and funds ...
by shavenyak
Sun Dec 03, 2017 1:15 pm
Forum: Personal Investments
Topic: Just downsized at age 60...input appreciated
Replies: 56
Views: 6173

Just downsized at age 60...input appreciated

[See update below. --admin LadyGeek] Retiring came a year earlier than planned. Just found this tremendous site. Question from an unsophisticate: My brother is strongly recommending that my wife (age 54) and I pay 1% annually to a financial adviser to manage our $2 million nest egg of taxable inves...