Search found 22 matches

by Muldoon
Thu Nov 06, 2008 8:42 pm
Forum: Personal Investments
Topic: When to rebalance?
Replies: 2
Views: 1335

Piper thanks for the comments. I will continue to wait...right now I will continue to contribute to my 401k and am saving a little more each month that is just going into my money market (emergency fund). Will just have to decide which way I want to do on this one: transfer within the TSP, or just c...
by Muldoon
Sun Nov 02, 2008 11:45 pm
Forum: Personal Investments
Topic: When to rebalance?
Replies: 2
Views: 1335

When to rebalance?

Hi guys, Well as this year is coming to a close and with where the market is currently sitting, I'm now wondering if I should rebalance in November rather than waiting for the New Year. My target allocation was established the beginning of 2006: 40/30/10/20 US Eq/Intl Eq/REIT/Bonds (still wondering ...
by Muldoon
Tue Oct 14, 2008 10:36 pm
Forum: Personal Investments
Topic: Need some help.. young and getting into investing/finances.
Replies: 41
Views: 8154

Shinymoney, I had the benefit of Laura's sage advice almost three years ago when I first set up my portfolio properly when I was 26yrs of age. This is just a thought... Of course you want to settle on a proper asset allocation (stocks/bonds) that you are comfortable with, but with your time horizon ...
by Muldoon
Wed Oct 08, 2008 11:27 pm
Forum: Investing - Theory, News & General
Topic: THe Death of Equities........................ Let's keep
Replies: 28
Views: 6310

haban, I'm right there with you...continuing to contribut to my 80/20 allocation. What's nice about keep your allocation is that you're always buying what's low. If stocks drop..your bonds right over your allocation so you keep buying stocks to even it back out...when your stocks go up, you need to ...
by Muldoon
Mon Sep 29, 2008 9:38 pm
Forum: Personal Investments
Topic: So, buying opportunity?
Replies: 15
Views: 3767

The times I wish I would have set up an automatic contribution for my Roth. I put in 3K this summer and then the last 2K a couple of weeks ago... oh well. Maybe next year it'll still be low to by these shares at a cheap price... Just goes to show you just stick with your plan no matter what and not ...
by Muldoon
Sun Sep 28, 2008 12:08 am
Forum: Personal Consumer Issues
Topic: Anti-virus software choice?
Replies: 75
Views: 18866

I use Avira AntiVir Personal edition that is free. I love it...does automatic updates daily along with a daily scan... I don't have to mess with it at all. I used to use AVG, however I was having issues with the updates to changed over and couldn't be happier :)
by Muldoon
Sat Sep 27, 2008 2:39 pm
Forum: Investing - Theory, News & General
Topic: No More Bailout or Credit Crises Threads
Replies: 98
Views: 33387

I think the admins and moderators of this board are doing a great job. They can do as they please as this is their board. I'll always be here to discuss my investing/financial concerns. Economic concerns can still be discussed without involving politics...

Keep up the great work guys.
by Muldoon
Sun Aug 31, 2008 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life, Long-term care insurance etc. questions
Replies: 23
Views: 4325

Hi Muldoon, Thirty year term is relatively expensive when compared to twenty year term. Buy twenty year term and use the extra money to buy a higher amount of life coverage (if needed) or to help pay for your DI. Term rates have been declining over the years and many of my clients with 20 yr term b...
by Muldoon
Sun Aug 31, 2008 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Def. Annuity as Substitute for LTCI?
Replies: 10
Views: 2941

Hi guys,

When is a good age to look at purchasing LTCI? I'm currently 29 years of age and wondering if it would benefit me now (i.e. are the premiums smaller the younger you are?

Thanks,
Muldoon
by Muldoon
Sun Jul 06, 2008 6:15 pm
Forum: Investing - Theory, News & General
Topic: Money Market Funds' expense ratios lowered
Replies: 26
Views: 5826

So what's the incentive to stay with Vanguard PMM if they won't offer a competitive APY? I should have looked earlier...I can get 4% instead of 2.2?

Or a rewards checking up to 25K with a 6.01% APY?

What is the point of staying with PMM? Before I actually make the switch...
by Muldoon
Sun Jul 06, 2008 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life, Long-term care insurance etc. questions
Replies: 23
Views: 4325

mephistophles, Thanks for the advice. I do have a couple questions. 1) What is your reasoning for 20 years v. 30 years? I take it you saw that I am 29 yrs of age and have recommended the 20 years for one reason or another, instead of the 30 years. 2) I do have Long Term Disability through an employe...
by Muldoon
Sun Jul 06, 2008 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life, Long-term care insurance etc. questions
Replies: 23
Views: 4325

Wow guys thank you very much for all this information/knowledge that you have. 1) The reason I am thinking about term life insurance is that: I may have a job change in the near future as I'm still deciding what I want to do with my life, will hopefully be purchasing my first home within the next ye...
by Muldoon
Sat Jul 05, 2008 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life, Long-term care insurance etc. questions
Replies: 23
Views: 4325

dm200, Thank you for your comments! So I definitely want to look for my own term life policy (probably 30 yrs). That would get me to the age of 59. By that time I wouldn't think that I'd have kids left in the house, heh. Also, are you saying I should not even bother with long-term care insurance now...
by Muldoon
Sat Jul 05, 2008 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life, Long-term care insurance etc. questions
Replies: 23
Views: 4325

Term Life, Long-term care insurance etc. questions

Hi everyone, I could really use some advice/education on properly insuring yourself for your future years. 1) What insurance is necessary? - Term Life Insurance - Long-term Care Insurance - Accident insurance (accidental death and disability) Through my employer (whom I just started with last year),...
by Muldoon
Sun Jan 20, 2008 12:13 am
Forum: Personal Investments
Topic: How most of the Boglehead files their taxes
Replies: 57
Views: 17945

plats,

Thank you!!!

I had used that for the past two years and then my computer crashed and I lost all my links and couldn't find it!

Woohoo! ;D
by Muldoon
Sat Dec 22, 2007 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Best Virus Protection Software
Replies: 46
Views: 13281

I've used the trial of Eset NOD32 and loved it, but now I'm using AVG which is free...I like it as well.
by Muldoon
Mon Dec 10, 2007 11:34 pm
Forum: Personal Investments
Topic: Vanguard Roth Issue - Busted AGI
Replies: 13
Views: 3459

Thanks Al. I really appreciate the quick response. I guess I should have asked this earlier: In a non-deductible IRA, do you pay taxes on the dividends until I can convert it back into the Roth? When I convert back do I pay taxes on the dividends/interest? Also when I convert from Roth to non-deduct...
by Muldoon
Mon Dec 10, 2007 11:18 pm
Forum: Personal Investments
Topic: Vanguard Roth Issue - Busted AGI
Replies: 13
Views: 3459

One final question:

After this money is transferred to a 'non-deductible' IRA and if in 2010 I can still convert it over to my Roth...Am I still aloud to contribute my maximum amount for that year 2010 (5K, or whatever the limit is) on top of the conversion amount?...if that made any sense
by Muldoon
Wed Nov 28, 2007 12:53 am
Forum: Personal Investments
Topic: Vanguard Roth Issue - Busted AGI
Replies: 13
Views: 3459

Thank you very much guys! Al/cherijoh, et al. thanks for all the great inputs... cherijoh, so my best option is to convert to a 'non-deductible' IRA, which is characterized as a 'non-deductible Traditional IRA.' So I take it this means that while it goes into a Traditional IRA, the earnings will not...
by Muldoon
Tue Nov 27, 2007 1:22 am
Forum: Personal Investments
Topic: Vanguard Roth Issue - Busted AGI
Replies: 13
Views: 3459

Vanguard Roth Issue - Busted AGI

Well back in January 2007, I contributed the maximum amount to my Roth IRA (4K). Well as the year is coming to close, I have finally been able to tally everything up and it looks like I completely busted the AGI limit and should be contributing $0 for 2007. I have no other IRA established besides my...
by Muldoon
Mon Mar 26, 2007 9:01 pm
Forum: Forum Issues and Administration
Topic: Setup of Boards on Forum
Replies: 4
Views: 3433

Exactly my point ;)...no, I completely understand, just wanted to throw it out there. I wasn't however talking about sub-boards. I was talking about having a few Categories (Personal Finance/Domestic/International/General) with actual Boards within these categories. For instance right now there is j...
by Muldoon
Mon Mar 26, 2007 8:40 pm
Forum: Forum Issues and Administration
Topic: Setup of Boards on Forum
Replies: 4
Views: 3433

Setup of Boards on Forum

Have you guys thought about breaking up the Investing and Personal Finance Board. You could do something like: General [boards underneath] - Announcements - Forum Issues and Administration Personal Finance - Investing 101 - Asset Allocation: Where people can post their asset allocation Domestic - St...