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conundrum

I will be purchasing a partnership interest in a office building that is held in a LLC. Should I place my ownership interest in my Revocable trust or in an additional LLC (owning the LLC with another LLC)?
Thanks for your insight.

Drum

conundrum

Thanks all for the comments, especially grabiner. We are in a similar situation as others, now in the 24% tax bracket and are currently about 50/50 intermediate treasuries and intermediate munis in the bond portion of our taxable account. Considering moving to less munis and more treasuries as at th...

conundrum

Thanks, I appreciate your thoughts and wisdom.

Drum

conundrum

We have noncovered shares of several Vanguard mutual funds. If we have never sold any shares of the pertinent mutual fund can we switch our cost basis to specific identification? If at a later date we want to switch the cost basis back to average cost is that allowable? Thanks, Conundrum :sharebeer

conundrum

Thanks for all the advice and wisdom. As our tax bracket has recently dropped, both from the new tax law and lower income we have been considering other bond alternatives in taxable as well

Drum

conundrum

Our asset allocation goal is 50% stocks and 50% bonds. With a large portion of our portfolio being in a taxable account we need a good chunk of bonds in taxable. With pension issues and some shakiness in municipal finances is there a maximum % that it is reasonable to have in muni bonds? If we go wi...

conundrum

Thanks everyone for all the great recommendations. Lots of research to do

Drum

conundrum

We are planning to be in Minnesota in late August this year. Any recommendations for great places or resorts to stay?
We would be two families traveling with young adult children in their early 20’s.
Thanks for any suggestions.

Drum

conundrum

Appreciate everyone's thoughts. We are following Valuethinker's perspective, erring toward caution but not overkill.

Drum

conundrum

Thanks Dandy. I agree that the fiscal problems of many states are daunting. A big question for us is not only the risks of individual states but any systemic risks of muni bonds as the pension shortfalls appear to be almost universal. Our concern is that a run of the mill equity bear market will pus...

conundrum

Thanks Chuck, appreciate the link to the Vanguard article.

Drum

conundrum

With a 50/50 equity/fixed income split, at the 28% marginal tax bracket and a large percentage of our portfolio in taxable accounts (85% taxable) we have 25% of our portfolio in muni bonds. With seemingly ever increasing concerns regarding pension shortfalls and the financial health of municipalitie...

conundrum

Great discussion. We appreciate all the Boglehead wisdom on this topic, especially as we are currently fine tuning our withdrawal policy statement.

Drum

conundrum

Thank you all. I appreciate your wisdom and thoughts.

Drum

conundrum

We are requesting Boglehead thoughts and wisdom for our daughter. She just graduated from college and is in the process of becoming financially independent. She is building her credit history, has obtained a credit card and is using it responsibly. She is in the process of buying a car and is wonder...

conundrum

Great information and knowledge. We are in a similar situation and have been running numbers and trying to figure out the best plan going forward.
Appreciate all the great suggestions.

Drum

conundrum

Thanks, I appreciate all the advice.

Drum

conundrum

Thanks, I appreciate your recommendations and I'll check them out.

Drum

conundrum

Our daughter will be attending graduate school at the University of Missouri at Kansas City in the fall. Any suggestions for good places for her to live in a safe area near the school?
Thanks for any advice you can give.

Drum

conundrum

For my spouse and me our IPS represents our long term plan to reach our financial goals. One of the biggest benefits of our IPS is that it keeps us on track and keeps us from investing emotionally and being swayed by every new investment and market trend. We follow our IPS in up markets to prevent u...

conundrum

Beginning in a couple months we will be paying for 80% of my elderly mother's board and care facility. She will have exhausted all her funds except a small social security payment. If we pay the facility directly how will this affect our annual gift exclusion ? Will this have other effects on our ta...

conundrum

Since most of our sightseeing will be in Philadelphia, would it be reasonable to stay in Philadelphia and just drive out to visit Princeton? Any specific hotels you would recommend in Philadelphia?

Thanks
Drum

conundrum

My spouse, daughter and I will be visiting Princeton and Philadelphia for 4 days. We are planning to explore Philadelphia as well as Princeton. Where would you recommend that we stay? Should we stay in one or the other, somewhere in between, split the time?

Thanks for your help,
Drum

conundrum

Thanks everyone for all the thoughts and wisdom. It appears that our liquid assets will probably be in the range to cover our long term care as needed. No guarantee obviously but as in many other areas of our life we will have to accept and live with a little uncertainty.

Drum

conundrum

At this point with the turmoil and limitations of long term care insurance my spouse and I are planning to self fund our long term care. I have read a variety of numbers but I was curious about the Boglehead community and what number the "self funders" are plannng to put aside for their possible lon...

conundrum

We're headed to Kansas City in a few weeks for 4 days. Any suggestions about where to stay, restaurants and things to do?

Thanks for your help.

Drum

conundrum

Agree with all above, particularly recommendation for Dr. Bernstein's If You Can. Great wisdom here on Bogleheads.

Drum

conundrum

Thank you Larry and all for a very enlightening and interesting thread.

Drum

conundrum

Thanks, I appreciate all the shared wisdom.

Drum

conundrum

Thanks all for the great recommendations. I appreciate your advice.

Drum

conundrum

What is the safest and best way to access my Vanguard and other financial accounts online? Any new tips or recommendations from Boglehead nation?

Thanks

Drum

conundrum

Thanks David. We reside in a no income tax state and so have chosen to use Vanguard's Intermediate Term Tax Exempt Fund ( VWIUX) for our muni exposure. Appreciate your help.

Drum

conundrum

Running various tax software programs, using current tax rates, with RMDs, taxable social security and taxable dividends and interest we will be in the 28% marginal tax bracket in retirement. It appears that keeping our intermediate term tax exempt fund (VWIUX) is a reasonable option. Should the kno...

conundrum

Thanks, I appreciate everyone's help

Drum

conundrum

Thanks everyone, I appreciate the words of wisdom

Drum

conundrum

Our asset allocation is 50% equities and 50% fixed income. On the fixed income side we are 25% intermediate treasuries (VFIUX) and 25%intermediate munis (VWIUX) due to limited space in our tax deferred space. As we move toward part time work and eventual retirement at what point, if any, does it mak...

conundrum

Thanks everyone for all the great recommendations

Drum

conundrum

We will be travelling to Cincinnati with our daughter to look at the University of Cincinnati. Any recommendations about things to do and see while we are there? Thanks for your help.

Drum

conundrum

Thanks Pharmacist, that is our current plan, as she has no income outside of a small social security benefit.

Drum

conundrum

Thanks, I appreciate the recommendations and thoughts. It sounds like the easiest way to avoid any gift tax issues would be to pay her facility directly. I will have to investigate the medical dependent concept a bit more.

Thanks again.

Drum

conundrum

Beginning in about 6 months my wife and I will be paying for my Mother in Laws assisted living facility. After her social security is taken into account the cost to us will be about 3000 per month (and increasing with time). Does anyone have any advice or experience with this type of situation? Any ...

conundrum

Thanks, appreciate your thoughts. I have held VWIUX in my taxable account for the last few years and have been happy with it's role in my portfolio. I was just curious as to whether concerns regarding the health of various state and local pension plans had changed anyone's opinion of muni bonds in g...

conundrum

I am 57 y/o and working part time ( semi retired). My asset allocation is 45% equities and 55% fixed income. Of the total portfolio I have 30% in intermediate treasuries and individual TIPS and 25% in Vanguard intermediate term tax exempt, admiral shares (VWIUX). I am currently in the 28% tax bracke...

conundrum

Thanks everyone for all the recommendations, it is greatly appreciated

Drum

conundrum

And any recommendations about where to stay?
Thanks again.

Drum

conundrum

Hello all,
We will be visiting the University of Michigan and Indiana University with my daughter. Do any of you have any recommendations about great places to eat, visit or see around the campuses or in town?
Thanks so much for any thoughts.

Drum

conundrum

Any recommendations regarding fun and interesting things to do in Buenos Aires? We will be there 3-4 days.
Thanks
Drum

conundrum

Thanks, we'll check it out.

Drum

conundrum

My wife and I have a week off in early November. Any suggestions for domestic, or even short international trips? We are based in the Southwest.
Thanks

Drum

conundrum

I am eligible for an new phone on my Verizon contract but haven't gotten around to getting a new phone. With the new changes to the Verizon prices would it make sense to get a new phone before the new contracts start on the 13th?

Thanks,
Drum

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