Search found 228 matches
- Sat Jul 21, 2018 4:32 pm
- Forum: Personal Investments
- Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
- Replies: 103
- Views: 11518
Re: I'm about to inherit a single stock with a worth of just over 7 figures....
The only reason to hold onto a concentrated stock position is to avoid paying capital gains taxes during your lifetime so that you can pass on to your children with a step up in basis. And this is exactly what your dad did. In effect, he took on the risk of the concentrated stock position during his lifetime so that you can now sell without paying the capital gains that he would have had to pay. In a sense, to not sell now would be to squander the risk that your father took. That's just an unconventional, but not irrational, way of looking at this. P.S. to OP: Investorpeter is spot on. As a former professor of mine put it: "Or you can do the ultimate in proper tax planning: You die. Your heirs get a stepped-up basis, AND you avoid hav...
- Fri Jul 20, 2018 7:32 pm
- Forum: Personal Consumer Issues
- Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
- Replies: 107
- Views: 9801
Re: Watch Collection Reasonable or Unreasonable or Irresponsible?
I have a wrist Watch collection valued at conservatively $80,000. Ive just turned 40, so I'm getting more serious about retirement investing and personal responsibility, etc. Should I be concerned to the point I should sell some of them? I've built them up over years and years and really enjoy them. I'm 40, wife is 36- no children yet. Combined household gross about $125K. No debts whatsoever, no mortgages. We own our primary and get $650/mo rent from our rental. Cash Savings $52,000, some is savings for another rental. Retirement accounts total $184,000. This is my first year of Roth IRA :( Looking for opinions on if this is out of balance or workable? Just found this forum, love it! Thanks everyone, wow what a vibrant forum community. I ...
- Thu Jul 19, 2018 9:01 pm
- Forum: Personal Investments
- Topic: Ratio of CDs to Bonds
- Replies: 5
- Views: 960
Re: Ratio of CDs to Bonds
Is there a rule of thumb ratio for CDs to bond funds in your total fixed income allocation? Thanks DAve In a word, no. It all depends. Are you within a year of retiring early under the age of 50 and working toward managing your SRR? That might yield one answer. Are you in your 30s and thinking you'll be buying your first home in the next 2-5 years? That yields a different answer. Are you in your mid-70s with a portfolio of X and anticipated expenses of Y in the upcoming 2 years? That yields a different answer. Bottom line: When it comes to each portion (and sub-portion) of your AA, the key is to know WHY it's there. That will make it easy to make the appropriate adjustments when the underling "why" changes. Please share more of t...
- Thu Jul 19, 2018 7:50 pm
- Forum: Personal Investments
- Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
- Replies: 103
- Views: 11518
Re: I'm about to inherit a single stock with a worth of just over 7 figures....
I let my emotions get the best of me and I agree that selling the stock is the correct route to take......I used to tell my Parents that they were taking a huge risk holding all this stock in one company. I guess I knew the correct answer all along. Thanks for the advice. I'm sorry for your loss, OP. :( Please bear in mind that it's not an all-or-nothing decision. Given that emotion is what makes us human and fulfilled, no need to apologize for being human! For all the reasons stated - and that you wisely tried to convince your parents of! - as you've recognized, you DO likely need to sell most of that position at your hopefully-stepped up basis, and diversify that holding. BTW, that's assuming it would represent a significant % of your po...
- Wed Jul 18, 2018 6:23 pm
- Forum: Personal Finance (Not Investing)
- Topic: Anyone not have a Budget?
- Replies: 115
- Views: 11249
- Wed Jul 18, 2018 5:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: Early retirement
- Replies: 164
- Views: 25755
Re: Early retirement
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- Wed Jul 18, 2018 5:08 pm
- Forum: Personal Finance (Not Investing)
- Topic: Early retirement
- Replies: 164
- Views: 25755
Re: Early retirement
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- Wed Jul 18, 2018 4:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: How Unclaimed Property Laws Can Affect Retirees
- Replies: 36
- Views: 4578
- Wed Jul 18, 2018 4:29 pm
- Forum: Personal Finance (Not Investing)
- Topic: Buy a vacation home while renting
- Replies: 61
- Views: 5287
- Wed Jul 18, 2018 2:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: How Unclaimed Property Laws Can Affect Retirees
- Replies: 36
- Views: 4578
- Wed Jul 18, 2018 2:13 pm
- Forum: Personal Finance (Not Investing)
- Topic: Selling mom's house
- Replies: 50
- Views: 5190
Re: Selling mom's house
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- Wed Jul 18, 2018 11:46 am
- Forum: Personal Finance (Not Investing)
- Topic: Buy a vacation home while renting
- Replies: 61
- Views: 5287
- Tue Jul 17, 2018 7:19 pm
- Forum: Personal Finance (Not Investing)
- Topic: Early retirement
- Replies: 164
- Views: 25755
Re: Early retirement
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- Tue Jul 17, 2018 7:07 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should I reduce the death benefit of my term life policy?
- Replies: 20
- Views: 1511
- Tue Jul 17, 2018 5:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: Early retirement
- Replies: 164
- Views: 25755
Re: Early retirement
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- Tue Jul 17, 2018 4:08 pm
- Forum: Personal Investments
- Topic: Advice for young colleague please
- Replies: 28
- Views: 3147
- Tue Jul 17, 2018 3:42 pm
- Forum: Personal Investments
- Topic: When to invest 100000?
- Replies: 40
- Views: 5637
- Tue Jul 17, 2018 3:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Early retirement
- Replies: 164
- Views: 25755
Re: Early retirement
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- Tue Jul 17, 2018 3:12 pm
- Forum: Personal Finance (Not Investing)
- Topic: Unclaimed property
- Replies: 13
- Views: 1379
Re: Unclaimed property
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- Tue Jul 17, 2018 1:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should I reduce the death benefit of my term life policy?
- Replies: 20
- Views: 1511
- Mon Jul 16, 2018 8:01 pm
- Forum: Personal Investments
- Topic: Tell me what's wrong with my strategy
- Replies: 105
- Views: 10099
- Mon Jul 16, 2018 3:45 pm
- Forum: Personal Investments
- Topic: $13 Million Goal for Early Retirement (am I crazy?)
- Replies: 320
- Views: 83063
- Mon Jul 16, 2018 2:50 pm
- Forum: Personal Consumer Issues
- Topic: Bears!!!
- Replies: 60
- Views: 6649
Re: Bears!!!
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- Mon Jul 16, 2018 2:21 pm
- Forum: Personal Finance (Not Investing)
- Topic: Anyone not have a Budget?
- Replies: 115
- Views: 11249
- Mon Jul 16, 2018 1:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: Where to get a $100 bill?
- Replies: 49
- Views: 15749
- Mon Jul 16, 2018 1:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: Bored
- Replies: 63
- Views: 13249
Re: Bored
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- Mon Jul 16, 2018 1:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: Bored
- Replies: 63
- Views: 13249
Re: Bored
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- Mon Jul 16, 2018 12:18 pm
- Forum: Personal Consumer Issues
- Topic: How much furniture spending is ok?
- Replies: 46
- Views: 4922
- Mon Jul 16, 2018 10:34 am
- Forum: Personal Finance (Not Investing)
- Topic: $540 a month on food for graduate student budget too much?
- Replies: 81
- Views: 9750
- Mon Jul 16, 2018 10:00 am
- Forum: Personal Finance (Not Investing)
- Topic: Where to get a $100 bill?
- Replies: 49
- Views: 15749
- Mon Jul 16, 2018 9:38 am
- Forum: Personal Finance (Not Investing)
- Topic: Duration of Sequence of Return risk for long retirements
- Replies: 49
- Views: 4907
- Sun Jul 15, 2018 7:15 pm
- Forum: Personal Finance (Not Investing)
- Topic: Anyone not have a Budget?
- Replies: 115
- Views: 11249
- Sun Jul 15, 2018 6:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: Accepted new job, immediately laid off at old one?
- Replies: 37
- Views: 7104
- Sun Jul 15, 2018 12:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: What is/ was your career and would you recommend it now?
- Replies: 517
- Views: 76773
- Sat Jul 14, 2018 5:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: Early retirement
- Replies: 164
- Views: 25755
Re: Early retirement
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- Sat Jul 14, 2018 4:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: Career Advice: Preparing for military retirement
- Replies: 10
- Views: 1900
- Fri Jul 13, 2018 9:34 pm
- Forum: Investing - Theory, News & General
- Topic: COMING SOON: BOGLEHEADS PODCASTS
- Replies: 368
- Views: 31605
Re: COMING SOON: BOGLEHEADS PODCASTS
"The Tortoise Wins: The Bogleheads' Podcsst Series on How to Win the Race"
- Fri Jul 13, 2018 7:55 pm
- Forum: Personal Finance (Not Investing)
- Topic: What rate of return are you using for retirement projections?
- Replies: 106
- Views: 14695
- Fri Jul 13, 2018 6:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Early retirement
- Replies: 164
- Views: 25755
Re: Early retirement
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- Fri Jul 13, 2018 5:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Early retirement
- Replies: 164
- Views: 25755
Re: Early retirement
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- Thu Jul 12, 2018 10:35 pm
- Forum: Personal Consumer Issues
- Topic: When does frugal cross the line to cheapskate?
- Replies: 136
- Views: 13705
Re: When does frugal cross the line to cheapskate?
It's a great question, OP. Anyone on this forum has probably thought about this at some point. I'm no exception. I'll show you mine if you'll show me yours:
What do YOU think? How would YOU respond to your own question in the thread title? If you're not willing to share your own position before asking for others' on this sensitive topic, well..
- Thu Jul 12, 2018 9:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: Question for pre-ACA Early Retirees and pre-ACA solo folks
- Replies: 33
- Views: 2608
- Thu Jul 12, 2018 9:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: Question for pre-ACA Early Retirees and pre-ACA solo folks
- Replies: 33
- Views: 2608
- Thu Jul 12, 2018 9:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Question for pre-ACA Early Retirees and pre-ACA solo folks
- Replies: 33
- Views: 2608
- Thu Jul 12, 2018 8:34 pm
- Forum: Personal Finance (Not Investing)
- Topic: Question for pre-ACA Early Retirees and pre-ACA solo folks
- Replies: 33
- Views: 2608
- Thu Jul 12, 2018 12:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: Question for pre-ACA Early Retirees and pre-ACA solo folks
- Replies: 33
- Views: 2608
- Thu Jul 12, 2018 12:10 pm
- Forum: Personal Finance (Not Investing)
- Topic: MBA Options
- Replies: 46
- Views: 7043
Re: MBA Options
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- Wed Jul 11, 2018 5:40 pm
- Forum: Personal Finance (Not Investing)
- Topic: Ex wants to use me for Joint and Survivor Annuity to forward to kids
- Replies: 32
- Views: 2297
- Tue Jul 10, 2018 10:44 pm
- Forum: Personal Investments
- Topic: 401k rollover and backdoor roth
- Replies: 8
- Views: 1523
- Tue Jul 10, 2018 9:30 pm
- Forum: Personal Investments
- Topic: Retirement Spending - which account?
- Replies: 4
- Views: 925