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Grt2bOutdoors

Ever try a diet made up of only bland foods? What is the success rate of carrying out such a meal plan over the long haul? Now, add a small treat, a dessert, something with some sweetness and taste but only in absolute moderation, say 5% of total caloric intake. See where this is going? If you have ...

Grt2bOutdoors

If this is your e-fund and you are not planning to hold the bonds more than 5 years, I would not wait for an extra 10 bps. At the maximum allowable purchase, a 10bp increase in the fixed rate is an extra $10 a year in potential lost interest or $50 over 5 years.

Grt2bOutdoors

I would have said "no thank you" when they came back with 85 and 15, they didn't signal a strong enough willingness to meet you half way. You had been offered much higher salaries to start and they kept dropping it. Who knows how the recruiter was playing both sides so I wouldn't assume the company...

Grt2bOutdoors

Background : 22 y/o, Recent college grad, pre-tax income is $90k. Located in texas. expenses $15k ish I managed to arrive at adulthood without gleaning a single piece of investing knowledge. My company does not match 401k in the first year so I am at a loss when it comes to putting money away. I ha...

Grt2bOutdoors

I was looking to accept a slightly lower rate than expected due to higher advancement opportunities at the company vs mine. Knowing that, $85K plus 10% takes you to $97K, that is only 3% from the max they were willing to pay. Total comp maxed out at $100K. Use this experience to determine what it i...

Grt2bOutdoors

Wife may not have a "say" on the $5M, Can a spouse legally keep that inheritance only for oneself? Leaving the ethical or moral part out of the equation, is it legal to structure the received inheritance as an individual windfall and when the judge looks at the marital asset for the eventual break-...

Grt2bOutdoors

Used Lexus ES. Find the nicest one owner with low miles in your price range. I recently bought an 05 ES 330, 75k miles. $7k Beautiful car. Toyota reliable. Till the repair bills come Is it correct, then, that a very similar Lexus to a Toyota will have higher repair bills? Why? Parts are more expens...

Grt2bOutdoors

What impresses me is the "we rely on equities because we have to" sentiment that is so prevalent here and in virtually every discussion on the more enlightened financial sites like BH. Truly, it is pervasive. I'd just like to point out that the US is the only advanced western country where ordinary...

Grt2bOutdoors

bigtex wrote: ↑
Fri Apr 20, 2018 3:09 pm
Is this thread referring to the first $100k of net worth, first $100k of cash savings, or first $100k of investment holdings?

First 100k of net worth.

Grt2bOutdoors

Well now, I'd like to know what makes the New York Times "the" expert on determining whether a financial planner is actually needed. If you have goals and a plan to get there, can do basic math and can make decisions based upon fact and not emotion you are 99% of the way there. So, for the NYT to pr...

Grt2bOutdoors

I also have questions about the extensive individual muni bonds in my mother's portfolio which I now manage for her. Whether I should maintain or grow the muni bond ladder, let it slowly mature, or sell everything and move to a fund - I understand some of the basic pros and cons, but I am no bond e...

Grt2bOutdoors

What impresses me is the "we rely on equities because we have to" sentiment that is so prevalent here and in virtually every discussion on the more enlightened financial sites like BH. Truly, it is pervasive. I'd just like to point out that the US is the only advanced western country where ordinary...

Grt2bOutdoors

ParlayBogle wrote: ↑
Fri Apr 20, 2018 11:44 am
Well I couldn't use *their* money in any way that violates the rules of being a custodian for their money. These rules seem fairly easy to break.

They can be but you may want to read this http://fairmark.com/kids-college/utma/u ... 9-account/

Grt2bOutdoors

I realize this is a very specific question, but perhaps someone knows or can point me in the right direction. I am in the state of Georgia, which allows a $4,000 annual state income tax deduction for 529 contributions per beneficiary. We have been using this for several years. This year, my two son...

Grt2bOutdoors

You will make the most money holding 100% equity. Those who can hold 100% equity are a very small percentage of folks. You may want to follow Warren Buffets suggested portfolio for his wife: 90% equity, 10% bonds. As for international; 70/30 is a good middle ground for the undecided, with the emphas...

Grt2bOutdoors

Your wife has all components to approximate total stock market index - 70% s and p 500, 20% midcap, 10% small cap. The Wellington fund is 65% large value, 35% Intermediate corporate bonds. How old are you? Are there any other funds available in your 401k plan - besides the two you listed?

Grt2bOutdoors

jeffreyalan wrote: ↑
Thu Apr 19, 2018 2:38 pm
I wish!!

Let's say I buy the limit on IBonds for 5 or 10 years..so $50k to $100k.

Rest easy, TD Direct is fine to use for an account that size.

Grt2bOutdoors

jeffreyalan wrote: ↑
Thu Apr 19, 2018 2:34 pm
Does everyone here feel comfortably placing large sums of money in Treasury Direct?

What is a large sum? - $1 million, $5 million?

Grt2bOutdoors

I've maxed out 401k since my first job after law school at 25, and had some match along the way. I have other investments outside of my 401k, and my spouse has nicely funded retirement accounts as well. Has anyone who started saving a lot when they were young cut back on 401k contributions (never b...

Grt2bOutdoors

As with windfall advice, this adage holds true - "keep your mouth shut". Nothing attracts the flies faster than the thought of free honey, nothing attract the gold diggers faster than the thought of free money. In the past, we've been generous with our local food bank, perhaps a bit too generous as ...

Grt2bOutdoors

With a $7.5k deductible, i hope the premiums are next to nothing because the plan is useless something really really bad happens. The premiums will not be next to nothing. The reality is that it is not uncommon for a plan to have an individual deductible of $7000+ and premiums of $15,000+/year. Thi...

Grt2bOutdoors

I think that concentration is largely because of how much NKTR has gone up recently. The holding was closer to 4% before (if I’m remembering right), and the managers have recently sold part of the NKTR position (rebalancing!). That's what I suspected. Do you have a link by any chance stating their ...

Grt2bOutdoors

The market is basically flat this year. Stop looking at past performance because the market has been in a rising trend since 1931. During that time, there has been a World War, numerous recessions, Korean War, Vietnam War, two oil embargoes, Iran Embassy crisis, the collapse of internet stocks, Sept...

Grt2bOutdoors

You may want to run the numbers on SS. "SS His - I'll project $3,000/mo at 67 (wait until 70 @ $3500)* SS Hers - $ 1500 spousal benefit of his. (did not work enough to beat $1500/mo ) " I think that you can file and suspend (until 70) at your FRA (67) while allowing you wife to file for hers (and s...

Grt2bOutdoors

2) Thought of rolling IRA's into 401k/403B = my question is with 7-8 years left -- if it really worth it ? With the conversions after 60/61 with no income-- I assume the benefit is converting tIRA to rIRA in the lowest tax bracket. But I would need other funds to live off of and leave rIRA to grow,...

Grt2bOutdoors

grok87 wrote: ↑
Tue Apr 17, 2018 12:14 pm
Now at 0.85%

It’s converging on the 5 year Tips, last seen at 0.61%

Grt2bOutdoors

Stipe wrote: ↑
Tue Apr 17, 2018 7:46 pm
Anyone know about this? Or have experience?
Apparently it’s pretty common with public mega corps.
How do you handle getting a pay cut due to possible new job titles....

Source that it's "pretty common with public mega corps"?

Grt2bOutdoors

If you think you could get laid off, then that is a clear sign to me that you shouldn't race to pay it off . If you needed to tap some money in an emergency (beyond your savings), you can't unpay the mortgage (and trying to use HELOC or get a loan may be ill advised), but you can liquidate investme...

Grt2bOutdoors

I travel a lot for work, so a fenced yard would definitely help with the added burden on my wife. Plus, in the area we are looking, we’d only be 5 miles from each of our jobs. It sounds like we really need to analyze whether that $500+ a month premium is really worth it. I appreciate all the advice...

Grt2bOutdoors

You have 5 years left on the note, that means most of the payments are principal and less of interest.
Your call, but I'd pay it off and if you so then choose, take those mortgage payments and invest according to your asset allocation.

Grt2bOutdoors

I’m thinking of moving to LA and spending the rest of my life there, but I’m concerned about the cost. NYC maybe a slightly more expensive city, but you'll spend way less time commuting, you can walk to meet up with people, and if you want to buy a nice house eventually there's actually public tran...

Grt2bOutdoors

Craigslist personal ads have been removed from the board, but OP can write an ad and see what sticks.

Grt2bOutdoors

Dave recommends 3-6 months worth of expenses saved before investing. A $1K emergency fund needs to be beefed up before you start to invest.

Grt2bOutdoors

If your mother thinks $1,500 is a lot, wait until she gets the tax bill for cashing out the Vanguard account- send the tax bill to this unscrupulous adviser and dump him.

Grt2bOutdoors

LarryAllen wrote: ↑
Mon Apr 16, 2018 8:15 am
If the pilot is willing to fly on the plane so am I.

Even if it's GermanWings Flight 9525? That's the co-pilot who deliberately flew the A-320 into the French Alps while the chief pilot was using the bathroom.

Grt2bOutdoors

ok. but what makes me question this is that my $11k in property tax does absolutely nothing for me. if I take it out my tax bill is exactly the same?? does the AMT calculation essentially negate any deduction for real estate taxes?? I don't recall that being the case in previous years. Also, not th...

Grt2bOutdoors

No, keep working. I think you might be having a mid-life crisis. A 6% withdrawal rate at such an early retirement age is not sustainable. At that age, you should be thinking about a 3% withdrawal rate or roughly $60K per year. You need to remain employed and revisit this question in 10 years OR need...

Grt2bOutdoors

The 401k is all principal, as in all withdrawals are fully taxable upon withdrawal unless we are talking about a Roth 401k. My sense is you are nervous about the market being down to flat this year, if so, your asset allocation may be too aggressive. Relying on market appreciation to carry the burde...

Grt2bOutdoors

Gains are taxed at 15% in a regular account, gains in 529 plan are taxed at 0%. Known expenses are sum of 529 plan + some unknown amount. Markets can go up, they can also fall. You can always change the track of the 529 plan if you wish, you are allowed two changes per year (not recommending it). I'...

Grt2bOutdoors

Take the loss - dump the individual stocks. You don't know anymore about it than the market. Loss aversion is clouding your thinking, you are waiting to break even before liquidating, in the mean time you could be waiting an awful long time missing out on the potential opportunity for more gains in ...

Grt2bOutdoors

black_knight_32 wrote: ↑
Sun Apr 15, 2018 6:17 pm
I know it’s been asked before but do I put all available funds in at the same time?

Do what makes you feel comfortable and let’s you sleep at night.

Grt2bOutdoors

Hi esteemed bogleheads - After saving one paycheck at a time for a long time, I have a nice windfall coming my way and expect it will push my Fidelity balance to approximately $4.5-$6m now (and hopefully more with growth!). Is this too much to leave in a Fidelity account? What is their average acco...

Grt2bOutdoors

Pay off the mortgage. Then consider funding your Roth IRA for 2018 now, anything else invest in your taxable account according to your asset allocation. Thank you for your input. I’m really leaning towards paying off the mortgage. We fully funded our Roth in January or else we’d definitely do that!...

Grt2bOutdoors

Gemini wrote: ↑
Sun Apr 15, 2018 2:52 pm
Title says it all...any unique ideas? I was considering a small amount in SCV in a trust that he cannot touch until 65 and letting it ride

We already have a 529.

50% VTI
50% VIOV
Let it ride.

Grt2bOutdoors

Pay off the mortgage.

Then consider funding your Roth IRA for 2018 now, anything else invest in your taxable account according to your asset allocation.

Grt2bOutdoors

Sorry all, I have tried to reply twice but my posting didn't appear. Thanks for the feedback thus far. To try to answer questions: 1. The family business is a farm and my wife is a partner 2. The debt was from purchase of adjacent property to expand the farm--the business was nearly debt free previ...

Grt2bOutdoors

Equity is 90% at optimistic valuation. Debt is currently 10%. With the additional lending, does the 10% remain the same or is this additional debt the business is taking on? Problem here is two fold; when business sours, the equity valuation usually sours right along with it, a 10% D/E calculation m...

Grt2bOutdoors

Broader question is should you save? Answer is definitely a resounding "Yes." What you do with the savings is your choice, however. If you save an amount that you believe will go to pay for college or graduate school expenses and do not use it for that purpose, you have still made a wise decision. ...

Grt2bOutdoors

Fraudulent transfer of assets to avoid rightfully paying one's debt? That's not a gift.

Grt2bOutdoors

OP - financial aid = loans. Merit aid = free. Grants = free.

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