Search found 815 matches

by conundrum
Fri Sep 29, 2017 6:43 pm
Forum: Investing - Theory, News & General
Topic: Pension shortfalls and changes in Muni bond allocation?
Replies: 14
Views: 1773

Re: Pension shortfalls and changes in Muni bond allocation?

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

Drum :sharebeer
by conundrum
Thu Sep 28, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Pension shortfalls and changes in Muni bond allocation?
Replies: 14
Views: 1773

Re: Pension shortfalls and changes in Muni bond allocation?

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...
by conundrum
Wed Sep 27, 2017 4:09 pm
Forum: Investing - Theory, News & General
Topic: Pension shortfalls and changes in Muni bond allocation?
Replies: 14
Views: 1773

Re: Pension shortfalls and changes in Muni bond allocation?

Thanks Chuck, appreciate the link to the Vanguard article.

Drum :D
by conundrum
Wed Sep 27, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: Pension shortfalls and changes in Muni bond allocation?
Replies: 14
Views: 1773

Pension shortfalls and changes in Muni bond allocation?

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...
by conundrum
Thu Sep 07, 2017 11:05 am
Forum: Investing - Theory, News & General
Topic: Do retiree BHs actually run down their portfolios?
Replies: 73
Views: 8677

Re: Do retiree BHs actually run down their portfolios?

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

Drum :sharebeer
by conundrum
Fri Jun 16, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: College grad building credit history
Replies: 11
Views: 728

Re: College grad building credit history

Thank you all. I appreciate your wisdom and thoughts.

Drum :D
by conundrum
Thu Jun 15, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: College grad building credit history
Replies: 11
Views: 728

College grad building credit history

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...
by conundrum
Thu May 25, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions Post Retirement
Replies: 19
Views: 2310

Re: Roth Conversions Post Retirement

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 :sharebeer
by conundrum
Thu Apr 06, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Where to live in Kansas City, student at UMKC
Replies: 10
Views: 1426

Re: Where to live in Kansas City, student at UMKC

Thanks, I appreciate all the advice.

Drum :sharebeer
by conundrum
Fri Mar 24, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Where to live in Kansas City, student at UMKC
Replies: 10
Views: 1426

Re: Where to live in Kansas City, student at UMKC

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

Drum
by conundrum
Thu Mar 23, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Where to live in Kansas City, student at UMKC
Replies: 10
Views: 1426

Where to live in Kansas City, student at UMKC

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 :sharebeer
by conundrum
Mon Mar 06, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: how often do you shrug at your IPS? [Investment policy statement]
Replies: 50
Views: 4716

Re: how often do you shrug at your IPS?

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...
by conundrum
Tue Feb 28, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Financial implications of paying for elderly mother' care facility
Replies: 6
Views: 947

Financial implications of paying for elderly mother' care facility

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...
by conundrum
Tue Jan 24, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Visiting Princeton/Philadelphia, where to stay
Replies: 24
Views: 1723

Re: Visiting Princeton/Philadelphia, where to stay

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
by conundrum
Tue Jan 24, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: Visiting Princeton/Philadelphia, where to stay
Replies: 24
Views: 1723

Visiting Princeton/Philadelphia, where to stay

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 :sharebeer
by conundrum
Thu Jan 05, 2017 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: How many $ to self fund long term care?
Replies: 73
Views: 6589

Re: How many $ to self fund long term care?

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
by conundrum
Thu Jan 05, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: How many $ to self fund long term care?
Replies: 73
Views: 6589

How many $ to self fund long term care?

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 po...
by conundrum
Wed Jan 04, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Kansas City trip advice
Replies: 23
Views: 1939

Kansas City trip advice

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 :D
by conundrum
Wed Jan 04, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: You have 5-10 minutes to teach someone about personal finance
Replies: 54
Views: 4762

Re: You have 5-10 minutes to teach someone about personal finance

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

Drum :D
by conundrum
Thu Dec 29, 2016 8:27 pm
Forum: Investing - Theory, News & General
Topic: Bernstein-"To Make Money They Didn't Need".....and Pascal's Wager
Replies: 187
Views: 22392

Re: Bernstein-"To Make Money They Didn't Need".....and Pascal's Wager

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

Drum :sharebeer
by conundrum
Mon Dec 12, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Best/ safest way to access Vanguard account online?
Replies: 16
Views: 2723

Re: Best/ safest way to access Vanguard account online?

Thanks, I appreciate all the shared wisdom.

Drum :D
by conundrum
Sun Dec 11, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best/ safest way to access Vanguard account online?
Replies: 16
Views: 2723

Re: Best/ safest way to access Vanguard account online?

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

Drum :D
by conundrum
Sun Dec 11, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Best/ safest way to access Vanguard account online?
Replies: 16
Views: 2723

Best/ safest way to access Vanguard account online?

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 :sharebeer
by conundrum
Wed Nov 30, 2016 2:55 pm
Forum: Investing - Theory, News & General
Topic: When to exchange munis for treasuries in retirement?
Replies: 13
Views: 1887

Re: When to exchange munis for treasuries in retirement?

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 :D
by conundrum
Tue Nov 29, 2016 10:09 pm
Forum: Investing - Theory, News & General
Topic: When to exchange munis for treasuries in retirement?
Replies: 13
Views: 1887

Re: When to exchange munis for treasuries in retirement?

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...
by conundrum
Tue Nov 29, 2016 4:00 pm
Forum: Investing - Theory, News & General
Topic: When to exchange munis for treasuries in retirement?
Replies: 13
Views: 1887

Re: When to exchange munis for treasuries in retirement?

Thanks, I appreciate everyone's help

Drum :D
by conundrum
Mon Nov 28, 2016 3:38 pm
Forum: Investing - Theory, News & General
Topic: When to exchange munis for treasuries in retirement?
Replies: 13
Views: 1887

Re: When to exchange munis for treasuries in retirement?

Thanks everyone, I appreciate the words of wisdom :happy

Drum
by conundrum
Mon Nov 28, 2016 1:46 pm
Forum: Investing - Theory, News & General
Topic: When to exchange munis for treasuries in retirement?
Replies: 13
Views: 1887

When to exchange munis for treasuries in retirement?

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...
by conundrum
Thu Sep 29, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: 3 days in Cincinnati, suggestions?
Replies: 15
Views: 1380

Re: 3 days in Cincinnati, suggestions?

Thanks everyone for all the great recommendations :D

Drum
by conundrum
Wed Sep 28, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: 3 days in Cincinnati, suggestions?
Replies: 15
Views: 1380

3 days in Cincinnati, suggestions?

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 :D
by conundrum
Sat Jun 18, 2016 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Mothers assisted living- gift tax, other issues?
Replies: 11
Views: 1437

Re: Paying for Mothers assisted living- gift tax, other issues?

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

Drum :D
by conundrum
Sat Jun 18, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Paying for Mothers assisted living- gift tax, other issues?
Replies: 11
Views: 1437

Re: Paying for Mothers assisted living- gift tax, other issues?

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 :D
by conundrum
Fri Jun 17, 2016 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Mothers assisted living- gift tax, other issues?
Replies: 11
Views: 1437

Paying for Mothers assisted living- gift tax, other issues?

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 ...
by conundrum
Thu Jun 09, 2016 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard intermediate term tax exempt, still safe?
Replies: 5
Views: 1177

Re: Vanguard intermediate term tax exempt, still safe?

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...
by conundrum
Thu Jun 09, 2016 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard intermediate term tax exempt, still safe?
Replies: 5
Views: 1177

Vanguard intermediate term tax exempt, still safe?

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...
by conundrum
Thu Apr 28, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: U. of Michigan, Indiana U. college visits
Replies: 21
Views: 2303

Re: U. of Michigan, Indiana U. college visits

Thanks everyone for all the recommendations, it is greatly appreciated

Drum :sharebeer
by conundrum
Mon Apr 25, 2016 7:13 pm
Forum: Personal Consumer Issues
Topic: U. of Michigan, Indiana U. college visits
Replies: 21
Views: 2303

Re: U. of Michigan, Indiana U. college visits

And any recommendations about where to stay?
Thanks again.

Drum :D
by conundrum
Mon Apr 25, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: U. of Michigan, Indiana U. college visits
Replies: 21
Views: 2303

U. of Michigan, Indiana U. college visits

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 :sharebeer
by conundrum
Wed Jan 13, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Buenos Aires trip advice
Replies: 14
Views: 1377

Buenos Aires trip advice

Any recommendations regarding fun and interesting things to do in Buenos Aires? We will be there 3-4 days.
Thanks
Drum :sharebeer
by conundrum
Fri Oct 02, 2015 3:07 pm
Forum: Personal Consumer Issues
Topic: Travel ideas early November
Replies: 21
Views: 2245

Re: Travel ideas early November

Thanks, we'll check it out.

Drum :D
by conundrum
Thu Oct 01, 2015 7:29 pm
Forum: Personal Consumer Issues
Topic: Travel ideas early November
Replies: 21
Views: 2245

Travel ideas early November

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 :sharebeer
by conundrum
Sun Aug 09, 2015 11:55 am
Forum: Personal Consumer Issues
Topic: Get "free" phone upgrade before Verizon 8/13 changes?
Replies: 6
Views: 1685

Get "free" phone upgrade before Verizon 8/13 changes?

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 :sharebeer
by conundrum
Sun Aug 09, 2015 9:29 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 15075

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

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 :sharebeer
by conundrum
Thu Jun 25, 2015 10:16 am
Forum: Personal Consumer Issues
Topic: Colorado Vacation suggestions
Replies: 53
Views: 8744

Re: Colorado Vacation suggestions

Lots of great recommendations! Thanks to everyone who contributed.

Drum :sharebeer
by conundrum
Wed Mar 18, 2015 12:38 pm
Forum: Investing - Theory, News & General
Topic: Gudlach's TOTL [SPDR Total Return Tactical ETF (Bond)]
Replies: 10
Views: 1459

Re: Gudlach's TOTL

ogd, one additional question, if you're still following this thread. Even though you are in a high tax bracket with limited tax deferred/ free space, do you have a limit to how much of your fixed income is in munis? We are also in high tax bracket with a small amount of tax deferred space and with a...
by conundrum
Thu Feb 26, 2015 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Safety of Vanguard online access
Replies: 28
Views: 2948

Re: Safety of Vanguard online access

Thanks everyone, lots of great info to share with my spouse.

Drum :sharebeer
by conundrum
Wed Feb 25, 2015 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Safety of Vanguard online access
Replies: 28
Views: 2948

Safety of Vanguard online access

My wife has always been uneasy about online access to our Vanguard account so we have continued to have paper statements delivered via the mail and to perform any transactions on the phone. With the new two factor authentication, this would seem like a good time to migrate to online use. Any wise th...
by conundrum
Wed Feb 11, 2015 10:32 am
Forum: Investing - Help with Personal Investments
Topic: One fund for retirement, 90% taxable portfolio
Replies: 11
Views: 1573

Re: One fund for retirement, 90% taxable portfolio

Thanks everyone for the thoughts. We are definitely leaning towards the Tax Managed Balanced Fund in our taxable account. We both liked the idea of putting some money in the account now to make the transition easier. Our plan for the retirement accounts would be for her to do a spousal IRA transfer ...
by conundrum
Wed Feb 11, 2015 12:54 am
Forum: Investing - Help with Personal Investments
Topic: One fund for retirement, 90% taxable portfolio
Replies: 11
Views: 1573

Re: One fund for retirement, 90% taxable portfolio

Good thought on international DSInvestor. Her first priority, by far, would be simplicity.

Drum