Search found 46 matches

by t885
Tue Dec 24, 2019 10:07 am
Forum: Investing - Theory, News & General
Topic: NYT: "Want a Bigger Say on Corporate Behavior: Move Your Money"
Replies: 45
Views: 2887

Re: NYT: "Want a Bigger Say on Corporate Behavior: Move Your Money"

DriftWood wrote: Tue Dec 24, 2019 10:02 am Leave investment as investment as it is and keep those social justice propaganda out of my investment choice. Thank you!
^^^
Agree 100%
by t885
Sun Dec 15, 2019 8:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website not Working Right
Replies: 54
Views: 9163

Re: Vanguard Website not Working Right

Been having the same problem since Friday.
by t885
Sat Nov 09, 2019 6:10 am
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 9062

Re: Was I ripped off at the car dealership?

whodidntante wrote: Fri Nov 08, 2019 9:42 pm Sounds like you got got.
Unfortunately this is the correct answer.
by t885
Thu Oct 10, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 10057

Re: My mechanic just wrecked my car - advice?

tea_pirate wrote: Thu Oct 10, 2019 6:58 am
NewbieBogle007 wrote: Wed Oct 09, 2019 6:37 pm I'm amazed at the replies.

1. I would suggest NOT calling your own insurance company.
Terrible advice, you can and will be dropped by your insurance company if you attempt to conceal an accident from them and they find out about it later.
Wrong.

The garage will have insurance that covers property that is in their "care, custody and control" . It's really not that complicated. Accidents happen the garage has insurance to cover the incident. End of story.

LOL at the advice to "sue". Really?
by t885
Wed May 01, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Hiring a contractor to cut down some trees....what should I be aware of?
Replies: 89
Views: 7616

Re: Hiring a contractor to cut down some trees....what should I be aware of?

Don't over think it. You are having a couple of trees cut down not open heart surgery.

$1,400 is a very good price to have three trees cut down and removed. My only concern would be a valid insurance certficate from the contractor.
by t885
Mon Apr 15, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: High powered binoculars recommendations
Replies: 22
Views: 1556

Re: High powered binoculars recommendations

I've owned several models over the years sold them all and now only have a Swarovski EL 10x42.

https://www.eurooptic.com/34210-Swarovs ... 34210.aspx
by t885
Sun Mar 10, 2019 7:04 am
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 15056

Re: Best Car Values

snackdog wrote: Wed Mar 06, 2019 11:09 am 100,000 is a bit of a mental cliff for most people so I like buying cars with just over 100K miles. We bought a 2010 GS350 is fabulous shape last summer (105K miles for $10K) and it needs nothing and runs like a scalded dog.
This.

Just purchase a 2009 GS 350 for my daughter with 112k miles for $6k. Granted he had a copy of everything ever done to the car since 2012.
by t885
Fri Jan 11, 2019 5:50 am
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 188
Views: 25015

Re: Around 43K in dividends last year - feel good about it ?

chevca wrote: Thu Jan 10, 2019 10:59 pm
FinancialRookie wrote: Thu Jan 10, 2019 10:04 pm
livesoft wrote: Thu Jan 10, 2019 6:34 pm You should feel terrible about the $14K in taxable dividends.
Terrible? Seriously? Sometimes I think some people on this forum live in an alternate universe.

You should feel proud. That is an excellent accomplishment. Your total dividends is more than my annual salary. Keep up the good work.
I agree!

Is it optimal tax wise or whatever? Maybe not, probably not, i don't really know. But, the OP made almost as much as the median income for the US in dividends. At least last I knew it was around $50k.

Yes, they should really feel terrible about that.... :oops: :confused

Get a grip, some of you.
I came here to post this.
by t885
Thu Oct 04, 2018 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Delete
Replies: 119
Views: 14165

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

flyfishing wrote: Wed Oct 03, 2018 4:59 pm Come on split the cost with them. Forget about the legal issue and who to sue- How about moral conscious.
LOL

NO!!!
by t885
Fri Sep 14, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 7270

Re: I need a chainsaw to trim branches and limbs!!

OP- Head on over to you tube and watch a few videos on how to run a chain saw. It's not rocket science...Reading all the gloom and doom posts " You're going to cut off a limb" LOL.

If possible. Try to spring for a Sthil. They are a little more money but will last a lifetime.
by t885
Thu Sep 13, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 13003

Re: Massive Student Loan Debt - Fiancee

Don't do it.

She might change in the short term to make you happy but after the "honeymoon" phase is over she will revert back to the mean

Cut bait and move on.
by t885
Tue May 29, 2018 5:38 am
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 3622

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

novemberrain wrote: Tue May 29, 2018 1:19 am What sort of net worth justifies buying a watch worth several thousand dollars ?
How is this relevant to the OP's question?
by t885
Wed May 16, 2018 5:38 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 69
Views: 18325

Re: This is Unbelievable - another Vanguard customer support odyssey

Somehow I managed to transfer an IRA, Roth account for both myself and the wife, three separate accounts from TD and deposit OTC stock certificates with one phone call and a couple of mouse clicks.
Easy-peasy....
Unbelievably easy :sharebeer
by t885
Wed Apr 25, 2018 5:31 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 42747

Re: How old are you and how much do you save for retirement a year

schachtw wrote: Tue Apr 24, 2018 7:48 pm My wife and I are both 67.

Approx: 2.1M in IRA’s
Approx: 3.1M in Taxable

Fortunately, we don’t have to worry about savings.
:sharebeer
When you have won the game stop playing....
by t885
Thu Apr 19, 2018 6:39 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 42747

Re: How old are you and how much do you save for retirement a year

52
401K-$24,500 + 6% match= $32,000+-
Roth- $6500
Taxable- $12,000

Wife
401k-$49,000 (100% match)
Roth-$6500

So around $106,000...Hard at fist but once you cut out the live style creep it's really not that bad.
by t885
Mon Apr 02, 2018 6:30 am
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 148
Views: 21515

Re: Is anyone putting money aside into Gold?

spectec wrote: Sat Dec 16, 2017 9:33 am I think lead is a better investment than gold. If the worst case situation ever develops, having enough lead will increase your odds of keeping your gold.
I couldn't agree more....
by t885
Sun Apr 01, 2018 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?
Replies: 35
Views: 7487

Re: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?

StevieG72 wrote: Sat Mar 31, 2018 10:22 pm Let Geico handle it...

They will also,recover your deductible as part of the claim, they conveniently leave that part out...
+1

If you are renting a vehicle make sure to include that in your settlement.
by t885
Sat Mar 31, 2018 4:27 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 12560

Re: Resign from job or possible termination

caffeperfavore wrote: Fri Mar 30, 2018 8:46 am Maybe I'm a bad person, but if I knew that I was being terminated, I would not be feeling any job stress anymore (at least not due to the working conditions). I mean, what can they do, fire you?
LOL
by t885
Fri Mar 30, 2018 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 22799

Re: Healthy eaters -- is this grocery budget normal to you?

Calling on mods to lock this immediately. People are throwing around junk pseudoscience, and frankly, it's dangerous. Get your nutrition information from an actual expert, a Registered Dietitian. Literally anyone can call themselves a nutritionist, and everyone online thinks they're an expert. Unlike these so called experts, RD's complete a 4 year study of nutrition, complete an intensive internship consisting of 1,000 hours of supervised practice, and complete at least 75 hours of continuing education per five years. Correlation does not equal causation, your singular experience with eating a certain diet does not make it healthful or right for anyone else. Please shut this one down. OP is looking for advice on how to lower his monthly fo...
by t885
Thu Mar 29, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 22799

Re: Healthy eaters -- is this grocery budget normal to you?

dm200 wrote: Thu Mar 29, 2018 9:50 am
Life is short. If your budget allows enjoy one of life's pleasures.
One point of view.

On the other hand, be fully aware that the more unhealthful the diet -- the more likely you will suffer from various health and disability problems. It is your choice, but balance the risk/reward in a way where you consciously make the choice. For example, are you willing to take on the risk of kidney failure to eat as you choose?

I am not.
And that is your choice :sharebeer
by t885
Thu Mar 29, 2018 5:18 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 22799

Re: Healthy eaters -- is this grocery budget normal to you?

I've been on a Keto Diet for the past 18 months. Just had blood work done two months ago and my cholesterol was under 150. BP at 108/78 and my heart rate was 64 BPM. Please. Stop this. One anecdotal scenario does not make anything factual. I am not arguing on either side of this issue, but this is akin to logging onto this board and telling people that you invested your life's savings in "Company X", and retired with $3 million, so that means it HAS to work for everyone. This is what's wrong with the field I studied, and the field I complete gobs of continuing education for. Everyone is an expert, and everyone has this tribal, ingrained position, from which they are unwilling to budge. I find it comical that you quoted one senten...
by t885
Wed Mar 28, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 22799

Re: Healthy eaters -- is this grocery budget normal to you?

Anyway, we do eat lots of meat! OK - that may be the key to your higher costs. "The science says" high consumption of meat is very unhealthy - so you are paying a premium to harm your health. Your choice - but no longer mine. What science says this? I eat 3 lbs of lean ground turkey, 2.5 lbs of chicken, and 2.5 lbs of lean ground beef every week................. Love me some red meat! I've been on a Keto Diet for the past 18 months. Just had blood work done two months ago and my cholesterol was under 150. BP at 108/78 and my heart rate was 64 BPM. Anyway...To the OP's questions. I feed a family of four on $200 a week and my daughter is a Vegan. I know weird... So we end up basically cooking two different types of meals every time...
by t885
Wed Mar 28, 2018 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Grass is always greener, federal edition
Replies: 59
Views: 9425

Re: Grass is always greener, federal edition

Silk McCue wrote: Tue Mar 27, 2018 9:23 am I wouldn't draw any cards. You already hold the winning hand. The pot is yours.
The grass is always greener until it is time to mow it...
by t885
Wed Mar 21, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Drink package on Royal Caribbean, worth it?
Replies: 73
Views: 12408

Re: Drink package on Royal Caribbean, worth it?

researcher wrote: Wed Mar 21, 2018 3:27 pm
investingdad wrote: Wed Mar 21, 2018 3:18 pm I've been a BH since my early 20s precisely so my wife and I, now in our mid 40s, can enjoy these sorts of vacations.
Money is a tool, and discretionary spending is part of it.
You need a $1000 alcohol package to be able to enjoy a vacation with your wife?
Sounds like you need to lighten up and....have a drink :sharebeer
by t885
Wed Mar 21, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard bond mutual fund purchase fee vs ETF
Replies: 4
Views: 814

Re: Vanguard bond mutual fund purchase fee vs ETF

livesoft wrote: Wed Mar 21, 2018 7:40 am Generally when there is a purchase fee, the ETF does not trade at NAV like the mutual fund does, so one still doesn't quite get something for nothing. That is, if the purchase fee is 0.25%, then the ETF probably trades at 0.25% higher than the NAV. But not always.

Also note that the timing of the dividends is different between a bond mutual fund and its cognate ETF.
So if one is looking for long term yield only and not concerned about apprication the ETF would be the better choice?
by t885
Wed Mar 21, 2018 7:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard bond mutual fund purchase fee vs ETF
Replies: 4
Views: 814

Vanguard bond mutual fund purchase fee vs ETF

First off I did a search under various topic heading with no results. That being said. I fully expect someone to post a link to this very topic proving once again my inability to use the search engine. :oops: No worries you won't hurt my feelings.

Enough with the preamble....

There are a select number of Vanguard bond funds that charge a load (purchase fee)

Examples:
VTEAX-0.25%
VISCX- 0.25%
VLTCX-1.0% Yield 4.43%

If one chooses the ETF version of the above mentioned fund there is no load? The yield is the same and the ER is lower.

What am I missing?
by t885
Sat Mar 17, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: Mutual fund expense ratio confusion
Replies: 7
Views: 1018

Re: Mutual fund expense ratio confusion

Got a call from the plan manager late Friday. THe net ER is the correct rate. :oops:

I asked if there was a possibility of adding more Vanguard funds to the current plan or moving the entire account to Vanguard.
To my pleasant suprise there is a real possiblity that we may have full access to all of Vanguard funds by year end :sharebeer
by t885
Thu Mar 15, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: Mutual fund expense ratio confusion
Replies: 7
Views: 1018

Re: Mutual fund expense ratio confusion

goingup wrote: Thu Mar 15, 2018 8:04 am
t885 wrote: Thu Mar 15, 2018 7:10 am On the website of fund choices, the expense ratio for their S&P fund JFIVX is listed at $0.03% yet when I open the prospectus the ER is listed as $0.30%. Morningstar corroborates with what the prospectus states.
The Plan document is the authority. If you saw .03% ER on your Plan web site then this is the number. Where are you viewing the prospectus? Looking at ERs on Morningstar isn't relevant to what you pay as a Plan participant.
The prospectus came from the link provided at JH's website
by t885
Thu Mar 15, 2018 7:10 am
Forum: Investing - Theory, News & General
Topic: Mutual fund expense ratio confusion
Replies: 7
Views: 1018

Mutual fund expense ratio confusion

My 401k plan is unfortunately with John Hancock. On the website of fund choices, the expense ratio for their S&P fund JFIVX is listed at $0.03% yet when I open the prospectus the ER is listed as $0.30%. Morningstar corroborates with what the prospectus states.

The nice J.H. customer service lady in India told me the ratio listed on the prospectus was the correct percentage. When I questioned her as to why the two were different she changed her story and told me she wasn’t sure and that I should call the plan manager. Which I have.
Two questions.
1. Which ER is correct?
2. If the prospectus is listing the correct ER how can it be legal to post conflicting information on the website?

Thanks in advance.
by t885
Tue Jan 23, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 36
Views: 3871

Re: Can You Say...Auto Insurance

Having high medical coverage on your auto policy is a waste of money if you have good primary medcial coverage. Not necessarily. The risks, in my opinion, are injuries to passengers in your car. If a passenger incurs injury in your car, my understanding is that they would need to file a claim against you for being at fault for their injury. When you have medical payments - they just file a claim on that coverage. Medical coverage provided by your auto policy is for the "named insured only" including immediate family members. If a passenger is injured and wishes to file a claim against the "named insured" he/she must do so against the liability portion of the policy. I don't believe that's true although it might vary by ...
by t885
Tue Jan 23, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 36
Views: 3871

Re: Can You Say...Auto Insurance

If you get into a major collision, medical bills could easily eat up that $100,000 in coverage and then you will be threatened with paying the rest. JT Having high medical coverage on your auto policy is a waste of money if you have good primary medcial coverage. Not necessarily. The risks, in my opinion, are injuries to passengers in your car. If a passenger incurs injury in your car, my understanding is that they would need to file a claim against you for being at fault for their injury. When you have medical payments - they just file a claim on that coverage. Medical coverage provided by your auto policy is for the "named insured only" including immediate family members. If a passenger is injured and wishes to file a claim aga...
by t885
Tue Jan 23, 2018 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 36
Views: 3871

Re: Can You Say...Auto Insurance

If you get into a major collision, medical bills could easily eat up that $100,000 in coverage and then you will be threatened with paying the rest. JT Having high medical coverage on your auto policy is a waste of money if you have good primary medcial coverage. I guarantee your health plan does don’t cover the person you injure. - You are correct JT Medical coverage provided on your auto policy is for the insured driver only. Any medical claims by a passenger would be filed against the liability portion of the policy. Medical coverage on the auto policy is first to pay a auto related medical claim once the that coverage is exhausted then the primary medical plan kicks in. The only time it makes sense to carry more the the state minimum l...
by t885
Fri Jan 19, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 36
Views: 3871

Re: Can You Say...Auto Insurance

bottlecap wrote: Fri Jan 19, 2018 9:36 am

If you get into a major collision, medical bills could easily eat up that $100,000 in coverage and then you will be threatened with paying the rest.

JT
Having high medical coverage on your auto policy is a waste of money if you have good primary medcial coverage.
by t885
Fri Jan 12, 2018 6:01 pm
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2461

Re: Advice needed on my portfoilo

401k. 25.9% $64k 51.03 500 Index 25.14% small cal 23.85% bonds It took a leap of faith but between yesterday and today I've turned all my holdings to cash in the TD account and I am in the process of transfering everything to Vanguard. To be honest. I think if I told someone that I took the advice from a financial website, from someone I never met and sold $50K worth of stock and totaly revamped a $250K portfolio. They would think i was crazy. That being said. Having just finished reading John Bogle "The little book of common sense investing" the advice received here only reinforced my resolve to make the necessary changes to my speculative investment program. You have not mentioned how much money you plan to save each year. I am...
by t885
Fri Jan 12, 2018 12:26 pm
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2461

Re: Advice needed on my portfoilo

Thank you for your input and time.
by t885
Fri Jan 12, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: Shares Are Wildly Overpriced. But Bonds May Be Even Worse
Replies: 35
Views: 7052

Re: Shares Are Wildly Overpriced. But Bonds May Be Even Worse

aristotelian wrote: Fri Jan 12, 2018 10:47 am I go back and forth between 100/0 and 0/100 on a daily basis based on the first article I read with my morning coffee.
LOL
by t885
Thu Jan 11, 2018 8:20 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2461

Re: Advice needed on my portfoilo

retiredjg wrote: Thu Jan 11, 2018 7:08 am
t885 wrote: Wed Jan 10, 2018 5:45 pm
401k
500 Index
small cal
bonds
How much money is in this account?
Current value is $64K
I am contributing the maximum amount $24K. With emplyeer matching funds including profit sharing total is near $34k per year.
by t885
Thu Jan 11, 2018 8:03 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2461

Re: Advice needed on my portfoilo

retiredjg wrote: Thu Jan 11, 2018 7:05 am
t885 wrote: Wed Jan 10, 2018 5:45 pm Taxable unknown location $42k-OTC stock cert was in my safe until Monday. overnighted to Vanguard yesterday
$42k bank stock (loss)
What is Vanguard going to do with this?
According to the advisior that I spoke with at Vanguard. I will have the ability to sell the stock which I plan on doing sometime this year. My thoughts are that with the increasing rate invironment the stock will continue to go up at which point I will liquidate and dump into my Vanguard fund
by t885
Thu Jan 11, 2018 6:40 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2461

Re: Advice needed on my portfoilo

At age 51, you no longer have the ability to invest this aggressively in my opinion. "Ability" refers (somewhat) to your portfolio's ability to bounce back after a crash. At your age, you now have less time for that to happen. You need to start focusing more on preserving what you have. +1 In addition to the possibility of getting bad investing returns there is also the chance that you will not be able to work to 65+ because of health or career setbacks. I have seen lots of people in their 50's run into things like this. I have a stable job that I can work till I am 70 if needed. God willing my health will not fail me but one never know. The good news is that being in the 24% federal tax bracket implies that you have a combined i...
by t885
Thu Jan 11, 2018 6:28 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2461

Re: Advice needed on my portfoilo

t88, I was going to comment on your asset allocation too, but retiredjg has now covered it, so I'll just add a bit more explanation. When choosing an asset allocation (AA), you need to assess need to take risk, ability, and willingness. In your situation, you do have a lot of need, but you don't have all that much ability. You hit some rough spots in your 40's, and 90% equity could possibly drop your portfolio value by 30-40%. You don't want that to happen at this point in your life. So, the best approach is a reasonable AA and a a big effort on increased savings. In looking at retirement needs, we use 25x your needed income from assets as the amount saved. SS and pensions help lower needed income from investments. Max wife's IRA or Roth a...
by t885
Thu Jan 11, 2018 6:11 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2461

Re: Advice needed on my portfoilo

retiredjg wrote: Wed Jan 10, 2018 10:06 am

You have already told us "My investment stratgey was that of trying to hit the perviable home run which inevitably was followed up with a loss of equal to or greater than the winner.....". Taking a 90/10 position at this point in life could very well be equal to making that mistake over again.



Point taken.
by t885
Wed Jan 10, 2018 5:45 pm
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2461

Re: Advice needed on my portfoilo

Well, I've tried a second time and still cannot figure out what you have. Sorry. :( Please put in the dollar amounts for EVERY holding. I'm not interested in what you put in. I'm interested in what each holding is worth now. Taxable at TDA $56k $8k cash individual stocks. <----I think the problem is here TD holding CIF $5920 SCD $4185 TWMJF $16,715 ACBFF $19,960 NVAX $9872 Cash $7800 Total $64,452 Nice run up in the last week on TWMJF and NVAX Taxable at Planner $50k money market mutual funds $28k cash Taxable unknown location $42k - OTC stock cert was in my safe until Monday. overnighted to Vanguard yesterday $42k bank stock (loss) Taxable unknown location $20k -Vanguard $10k Total Stock $10k Total International 401k 500 Index small cal b...
by t885
Tue Jan 09, 2018 7:36 pm
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2461

Re: Advice needed on my portfoilo

Age:51 Desired Asset allocation: 80% stocks / 10% bonds Desired International allocation: 10% of stocks Looks like you are considering a 90% stock,10% bond portfolio. I think that 90/10 is probably too aggressive. What are the thoughts behind picking this number? Trying to make up for lost time. Part of the reason you are getting no responses is that your portfolio is presented in a way that is not easy to understand. You need to present every holding as a percentage of your portfolio. I'll get you started.... Current taxable investments. $170k[ /u] $8k in cash included with the 56K mix..$56k total 8k cash, 46K stocks $56K mix of individual stocks $50K mix of MM & mutual funds $28k in cash included with the mix of mutual funds and MM.....
by t885
Tue Jan 09, 2018 7:40 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2461

Re: Advice needed on my portfoilo

Anyone else care to comment?

John Hancock 401k holdings listed below

Vanguard small cap-VSGAX

John Hancock 500 index fund- JFIVX

John Hancock bond fund-JHBSX
by t885
Mon Jan 08, 2018 4:56 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2461

Re: Advice needed on my portfoilo

My wife is a self employeed P.A. and is paid on a per deim rate (no witholdings quarterly taxes). Once the kids are in college in four years she will find a more traditional job with benifits, 40lk etc. Her current job allows her the flexibility to spend more time with the kids at school events.
I will look into setting up a self employed 401k.
by t885
Sun Jan 07, 2018 7:37 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2461

Advice needed on my portfoilo

Emergency funds: Yes Debt: None Tax Filing Status: Married Filing Jointly Tax Rate: 24% Federal, 3,07% State State of Residence:PA Age:51 Desired Asset allocation: 80% stocks / 10% bonds Desired International allocation: 10% of stocks Current taxable investments TD ameritrade- $56K mix of individual stocks $8k in cash Financial planer-$50K mix of MM & mutual funds $28k in cash-Opened account Dec. 2017 before I found this website :confused FIrst priorty bank stock- $42,000- Purchased in 2008 as an IPO at $10 share now at $9.20 (OTC) VTSAX-$10K with $1000 monthly contribution( started December 17) VTIAX-$10K (opened 1/5/18) Non taxable-$65k Compay 401K John Hancock -max contribution 3% match 3% profit sharing Current allocation-22% bond, ...