Search found 200 matches

by elainet7
Sat Jul 20, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Big IRA accounts
Replies: 86
Views: 12389

Re: Big IRA accounts

you can contact james lange for a paper copy
by elainet7
Fri Jul 19, 2019 5:04 pm
Forum: Personal Investments
Topic: 100% Stock in ROTH
Replies: 8
Views: 949

Re: 100% Stock in ROTH

put all money in roths in equities as its the last pot to touch
by elainet7
Fri Jul 19, 2019 5:03 pm
Forum: Personal Investments
Topic: Preferred Stock ETFS
Replies: 3
Views: 259

Preferred Stock ETFS

anyone using them in low cd environment
rick ferri suggested PFFD that he invests in
by elainet7
Thu Jul 18, 2019 8:25 am
Forum: Personal Investments
Topic: MUNI bond fund or Individual munis
Replies: 9
Views: 553

MUNI bond fund or Individual munis

Would like some feedback as I have been an investor of individual munis
with a fund you can tax loss harvest
any other advantages other than more diversification and some safety
by elainet7
Tue Jul 16, 2019 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Are RMDs that bad if you're not an over-saver?
Replies: 185
Views: 18033

Re: Are RMDs that bad if you're not an over-saver?

Lange universally feels Roth Conversions increase purchasing power long term
he has a new book recently released about stretch ira
by elainet7
Tue Jul 16, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Are RMDs that bad if you're not an over-saver?
Replies: 185
Views: 18033

Re: Are RMDs that bad if you're not an over-saver?

why in your right mind would you want to limit growth of an Ira
by elainet7
Mon Jul 15, 2019 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7807

Re: Medigap vs Advantage: Which did you select?

for advantage plans the dental "coverage" is a joke trust me I saw it in my practice until I got rid of it
by elainet7
Mon Jul 15, 2019 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7807

Re: Medigap vs Advantage: Which did you select?

the advantage plans generally limit you to a network of providers in your state and also limit drug coverage
you get what you pay for
with straight medicare and gap coverage you will only pay the yearly deductible
by elainet7
Fri Jul 12, 2019 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Big IRA accounts
Replies: 86
Views: 12389

Re: Big IRA accounts

all our munis are in taxable
according to lange who has written Extensively on roth conversions, universally he says its a win win to convert
by elainet7
Thu Jul 11, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Big IRA accounts
Replies: 86
Views: 12389

Re: Big IRA accounts

great time for roth conversions to fill 24% bracket
by elainet7
Tue Jul 09, 2019 5:08 pm
Forum: Personal Consumer Issues
Topic: Grill Mat
Replies: 29
Views: 2337

Re: Grill Mat

exactly no clean up of grates nor inside of grill
by elainet7
Tue Jul 09, 2019 6:20 am
Forum: Personal Consumer Issues
Topic: Grill Mat
Replies: 29
Views: 2337

Grill Mat

This is a mat you place on top of the grill to cook on; be it electric or propane
The food cooks great and its easy to clean
You can buy it at most retailers; mine is by Yoshi
Obviously lots of grill clean ups are avoided
The price is minimal
You will not be disappointed
by elainet7
Mon Jul 08, 2019 7:16 am
Forum: Personal Investments
Topic: Should i sell
Replies: 7
Views: 1189

Should i sell

Small cap value up 25.5% YTD!!!!!!!!!!!!
by elainet7
Sat Jul 06, 2019 8:42 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation Taxable vs Tax Deferred
Replies: 4
Views: 451

Re: Asset Allocation Taxable vs Tax Deferred

thanks have kept roths 100% equity long term
by elainet7
Sat Jul 06, 2019 8:33 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation Taxable vs Tax Deferred
Replies: 4
Views: 451

Asset Allocation Taxable vs Tax Deferred

Do you use one model for the entire portfolio or different models for Ira and one for your taxable personal account?
by elainet7
Thu Jul 04, 2019 8:43 pm
Forum: Personal Investments
Topic: Alternatives to CD laddering as rates decrease
Replies: 22
Views: 2729

Re: Alternatives to CD laddering as rates decrease

preferred stock etf PFFD
hi yield bond vanguard
bond fund-intermediate corp vanguard and long term
gotta take more risk
by elainet7
Wed Jul 03, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing my wife for financial life without me.
Replies: 95
Views: 10587

Re: Preparing my wife for financial life without me.

Schwab intelligent portfolio service is very reasonably priced at 30/month and 350 initiation
Vanguard will have something similar shirtly
by elainet7
Wed Jul 03, 2019 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: The Day Has Come - Hit Retirement Number - Now What?
Replies: 103
Views: 10111

Re: The Day Has Come - Hit Retirement Number - Now What?

When you win the game cash in your chips
Bulls make money. Bears make money. Pigs get slaughtered
Think bonds
by elainet7
Wed Jul 03, 2019 5:01 pm
Forum: Personal Investments
Topic: Semi-Early Retirees: 401K to Roth IRA Conversions (Should I or Shouldn't I?)
Replies: 29
Views: 3592

Re: Semi-Early Retirees: 401K to Roth IRA Conversions (Should I or Shouldn't I?)

doing the same with low tax rates of 18% effective on 300k and fla residency
by elainet7
Tue Jul 02, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 7288

Re: Healthcare Nightmare after wife's surgery

Whatever your eob says is your responsibility
If there are out of network providers that should be explained prior
by elainet7
Tue Jul 02, 2019 7:04 pm
Forum: Personal Investments
Topic: Semi-Early Retirees: 401K to Roth IRA Conversions (Should I or Shouldn't I?)
Replies: 29
Views: 3592

Re: Semi-Early Retirees: 401K to Roth IRA Conversions (Should I or Shouldn't I?)

James Lange told us to convert up to the 24% bracket with our large 4m Ira
Now with the secure act probably becoming law I started converting
by elainet7
Tue Jul 02, 2019 4:50 pm
Forum: Personal Investments
Topic: Transitioning from advisor selected funds to Vanguard funds in Taxable
Replies: 13
Views: 587

Re: Transitioning from advisor selected funds to Vanguard funds in Taxable

way too many funds-use the three fund portfolio
in taxable accounts I always bought tax free bonds
you can start with vanguards tax free mutual funds, then when you have more assets buy individual munis
BUT SIMPLIFY and get rid of this advisor
'how much is his FEE???
by elainet7
Fri Jun 21, 2019 3:34 pm
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 171
Views: 14225

Re: Why do large personal portfolios include bonds?

i fall in the arena with significant savings age 69-70 and keep a bucket to cover all fixed expenses and the balance in equities
if i was 50/50 and lost 2 million, my life would be greatly affected
bonds let you sleep at night
by elainet7
Wed Jun 19, 2019 7:43 pm
Forum: Investing - Theory, News & General
Topic: [Nominal] Annuities are a bet on future inflation rates and should not be purchased by retirees
Replies: 183
Views: 12969

Re: [Nominal] Annuities are a bet on future inflation rates and should not be purchased by retirees

do the math on annuities
if you can get one adjusted for inflation and a joint policy with a guaranteed pay out, good luck
putting the money in munis will do more good and your heirs will keep the principal
by elainet7
Wed Jun 19, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Big IRA accounts
Replies: 86
Views: 12389

Re: Big IRA accounts

will do more roth conversions
taxes will go higher and my goal of leaving a boatload to kids will be greatly diminished if the money has to be distributed in 10years
by elainet7
Tue Jun 11, 2019 7:08 pm
Forum: Investing - Theory, News & General
Topic: Perpetual Withdrawal Rates for 18 Portfolios
Replies: 50
Views: 5059

Re: Perpetual Withdrawal Rates for 18 Portfolios

how many retirees 65-70 have 60% in equities, really?
by elainet7
Mon Jun 10, 2019 7:44 pm
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3202

Re: Good Rx

you do not need the card but ask the price before filling script to make sure its what is on the site
what a crazy system
by elainet7
Mon Jun 10, 2019 3:08 pm
Forum: Personal Investments
Topic: Roth IRA for child
Replies: 49
Views: 5041

Re: Roth IRA for child

read millionaire teacher by Andrew hallam
by elainet7
Mon Jun 10, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3202

Good Rx

Use this plan(free) for drug purchases
Sometimes your copay with insurance is MORE than buying it out of pocket!!!
Believe it or not I have seen it many times
by elainet7
Sat Jun 08, 2019 4:47 pm
Forum: Personal Investments
Topic: FIRST POST - Portfolio Review - Please
Replies: 37
Views: 3967

Re: FIRST POST - Portfolio Review - Please

Incredible but probably very common
They gotta pass the fiduciary ruling
by elainet7
Wed Jun 05, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should All Grandkids Be Treated as Equal Members of Same Class?
Replies: 104
Views: 8160

Re: Should All Grandkids Be Treated as Equal Members of Same Class?

would you treat children differently if one is a hi income earner and the others with more modest incomes
by elainet7
Wed Jun 05, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8586

Re: Costco or Sam's Club?

50-60M americans paying 50-60 bucks membership fees?????
by elainet7
Tue Jun 04, 2019 6:07 am
Forum: Personal Investments
Topic: Should I increase my bond percentage now that I've accumulated more assets even though only 43 years old
Replies: 8
Views: 1791

Re: Should I increase my bond percentage now that I've accumulated more assets even though only 43 years old

Marginal utility of wealth. When you wn the game it’s best to preserve capital
Can you afford to lose 50%
by elainet7
Sun May 26, 2019 10:27 am
Forum: Personal Investments
Topic: Shorter duration of munis?
Replies: 16
Views: 1152

Re: Shorter duration of munis?

buy long term munis and build a ladder assuming you will hold to maturity
by elainet7
Fri May 24, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 85
Views: 3786

NEW RETIREMENT LAWS

[Merged into existing locked thread - moderator prudent]

If passed will raise RMD to age 72(or higher) and limit the stretch ira to 10yrs
Any thoughts if finally passed?
by elainet7
Thu May 23, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 2231

Re: Weber vs Broil King Grills

Weber-no brainer
by elainet7
Thu May 23, 2019 7:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard issues 10-year forecast for stock, bond market returns
Replies: 79
Views: 8584

Re: Vanguard issues 10-year forecast for stock, bond market returns

in their TD funds, all have int'l bonds
Do they know something?
by elainet7
Wed May 22, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 70
Views: 7520

Re: Do you have hardwood or tile in your kitchen?

Anyone know how to remember be blotches from travertine floors
by elainet7
Thu May 16, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: Pre-RMD Retirement Sweet Spot - Accelerating IRA Withdrawals vs. Roth Conversion
Replies: 51
Views: 4107

Re: Pre-RMD Retirement Sweet Spot - Accelerating IRA Withdrawals vs. Roth Conversion

I have done that as we have 4.15 m in Ira’s and the tax rates now will never be lower
Effective tax rate on 300k for example is 18%
We have no statetax
by elainet7
Wed May 15, 2019 11:43 am
Forum: Personal Investments
Topic: Time to fire the financial assistant. Help me with the courage.
Replies: 41
Views: 4121

Re: Time to fire the financial assistant. Help me with the courage.

I transferred from RJ to Vanguard with just a phone call. The era of advisors(AUM) is disappearing as Ric Ferri states
by elainet7
Wed May 15, 2019 11:39 am
Forum: Personal Investments
Topic: Help my broker is trying to freak me out
Replies: 94
Views: 14104

Re: Help my broker is trying to freak me out

Act as if every broker, advisor, and insurance salesman is a hardened criminal-William Bernstein
by elainet7
Wed May 15, 2019 11:36 am
Forum: Personal Investments
Topic: Fisher Investments--again
Replies: 16
Views: 3099

Re: Fisher Investments--again

Spoke to a rep from Fisher yesterday. They only do individual stocks. NO INDEX FUNDS NO annuities
They love to call and send papmhlets
by elainet7
Wed May 08, 2019 7:45 pm
Forum: Personal Investments
Topic: The 4% rule
Replies: 94
Views: 6609

Re: The 4% rule

the goal in retirement is not to seek the highest return but to maintain lifestyle
one pile of $$$ for fixed expenses; the rest in equities-thoughts of William bernstein
by elainet7
Wed May 08, 2019 5:14 pm
Forum: Personal Investments
Topic: The 4% rule
Replies: 94
Views: 6609

Re: The 4% rule

most speak of a 3.5% SWR nowadays
by elainet7
Wed May 08, 2019 5:13 pm
Forum: Personal Investments
Topic: The 4% rule
Replies: 94
Views: 6609

Re: The 4% rule

if you have a bad sequence of returns in your first few years of retirement you might be doomed to failure
by elainet7
Wed May 08, 2019 7:15 am
Forum: Personal Consumer Issues
Topic: Goodman HVAC System
Replies: 21
Views: 2014

Re: Goodman HVAC System

think goodman is the biggest ac company in the world
have used them-they have a good warranty
by elainet7
Wed May 08, 2019 7:03 am
Forum: Personal Investments
Topic: The 4% rule
Replies: 94
Views: 6609

Re: The 4% rule

with very low bond yields, dividends half of what they were, and hi stock valuations, the 4% rule might not work
the Trinity study show nearly 100% success with stocks at 25%
by elainet7
Sun May 05, 2019 11:37 am
Forum: Personal Investments
Topic: Too much stock!
Replies: 10
Views: 1628

Re: Too much stock!

never ever complain about being wealthy
we have 4.2m in iras and it does not bother me at all as those dollars wee never taxed from the get go and those were significant tax deductions at high rATES