Search found 800 matches

by ps56k
Sun Sep 30, 2018 11:14 pm
Forum: Investing - Theory, News & General
Topic: Best Vanguard ETF Diversifiers, Ranked
Replies: 46
Views: 4585

Re: Best Vanguard ETF Diversifiers, Ranked

... Interestingly, this approach simultaneously highlights two approaches to international diversification. One, a broad market cap weighted ex-US index like VXUS does NOT add much to a portfolio that already includes a broad market cap weighted US index fund like Vanguard Total Stock Market ETF (V...
by ps56k
Fri Sep 28, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Overly diversified - consolidate ?
Replies: 7
Views: 744

Re: Overly diversified - consolidate ?

OK... have maxed out our IRA world - so can't exactly just ADD stuff to our tax-advantaged IRA, and same for our 403b - so... Windsor was probably my first fund - years ago - then added some others. Over time things grew, and now am getting concerned about asset protection - So added Wellesley with ...
by ps56k
Fri Sep 28, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Overly diversified - consolidate ?
Replies: 7
Views: 744

Overly diversified - consolidate ?

Over the many years, I now have several Vanguard funds... maybe too many... I'm trying to consolidate, but it becomes a logic circle - and things just remain the same. We both took very early retirement... and I have been moving more to a conservative asset allocation - moving more to the bonds side...
by ps56k
Tue Sep 11, 2018 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market vs CD vs Bond fund vs .... Cash
Replies: 11
Views: 2625

Re: Money Market vs CD vs Bond fund vs .... Cash

I think my game plan for the cash is.... Chase - will let it wind down a bit, but still keep about $50k Schwab - will move a large portion (from ongoing stock divs & stocks sold) over to my Vanguard bond accounts... Ally - coin toss - thinking about getting back to a CD ladder every qtr - 1yr @ 2.5%...
by ps56k
Sun Sep 09, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market vs CD vs Bond fund vs .... Cash
Replies: 11
Views: 2625

Money Market vs CD vs Bond fund vs .... Cash

I find myself with several cash accounts at - Chase, Schwab, Vanguard, Ally, with some questions about consolidating, migration, and balancing... I currently have these cash accounts - Chase checking - .08% - $100k - main account used for paying bills, etc - about 2 yrs worth of spending - just in c...
by ps56k
Thu Aug 30, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA vs 403(b) Plan
Replies: 7
Views: 793

Grad Student vs Roth IRA contribution/funding

Just thinking about this old thread - and I may have posted a similar question elsewhere.... Grad student vs IRA full contribution - how ??? Our son is a Grad Student - and gets a stipend of around $30k .... which he lives on out in Pasadena, California - To fully fund his Vanguard Roth IRA, he woul...
by ps56k
Wed Aug 29, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review request
Replies: 10
Views: 953

Re: Portfolio review request

I also was just looking at the Muni bond question - Just playing with some current - August 2018 - numbers. The 2018 tax brackets are.... 10% - $19k 12% - $77k 22% - $165k 24% - $315k 32% - $400k 35% - $600k 37% - xxx And am comparing in this example ... Vanguard Muni Index (Adm) ---------- VTEAX - ...
by ps56k
Fri Aug 24, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard - Inter. or Total Muni [VTEAX - Tax-Exempt Bond Index]
Replies: 18
Views: 3135

Re: Vanguard - Inter. or Total Muni [VTEAX - Tax-Exempt Bond Index]

Just playing with some current - August 2018 - numbers. The 2018 tax brackets are.... 10% - $19k 12% - $77k 22% - $165k 24% - $315k 32% - $400k 35% - $600k 37% - xxx And am comparing in this example ... Vanguard Muni Index (Adm) ---------- VTEAX - with ER = .09% and SEC of 2.49% Vanguard Intermediat...
by ps56k
Thu Aug 23, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - Inter. or Total Muni [VTEAX - Tax-Exempt Bond Index]
Replies: 18
Views: 3135

Re: Vanguard - Inter. or Total Muni [VTEAX - Tax-Exempt Bond Index]

Just stumbled across this thread - as I was re-evaluating current Muni holdings... Holding the - https://investor.vanguard.com/mutual-funds/profile/overview/vwiux Intermediate Muni but saw the comments about the other - https://investor.vanguard.com/mutual-funds/profile/VTEAX index version (with the...
by ps56k
Mon Aug 13, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: Turkey/Turkish Stocks down 32% - approaching 2008 levels
Replies: 104
Views: 11502

Re: Turkey/Turkish Stocks down 32% - approaching 2008 levels

Just a quick look at both the EM total stock, and the EM total bond - Turkey -

VWO - stock - 0.9% - https://investor.vanguard.com/etf/profile/portfolio/vwo
VWOB - bond - 4.3% - https://investor.vanguard.com/etf/profi ... folio/VWOB
by ps56k
Sat Aug 11, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Rate hikes vs - Muni, Corp, Total Bond funds
Replies: 18
Views: 2666

Re: Rate hikes vs - Muni, Corp, Total Bond funds

tnx for the chart and data... It will be interesting, for those comparing bond yields in their portfolios, to see how the creeping long terms compare to the somewhat flat muni yields. For those in the muni world, guessing in the higher tax brackets, at what point does the tax advantage muni fade com...
by ps56k
Tue Aug 07, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Schwab - EARLY CRZ DIST 4L (Interest)
Replies: 2
Views: 931

Re: Schwab - EARLY CRZ DIST 4L (Interest)

In case anyone else happen to overlook their Schwab notice - --- That transaction is an early dividend payment for the Cash Reserves MMF which has had a bulk sweep to Bank Interest. You should have received prior notice of this action in writing around July 9, 2018. If you have additional questions ...
by ps56k
Mon Aug 06, 2018 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab - EARLY CRZ DIST 4L (Interest)
Replies: 2
Views: 931

Schwab - EARLY CRZ DIST 4L (Interest)

Just had this pop up in both of our Schwab Brokerage cash accounts

EARLY CRZ DIST 4L - CRZ Adjustment (Interest)

Have never seen anything like this and can't tell what it is about.
Will call in the morning -
by ps56k
Mon Jul 02, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Schwab requires ONE TIME 2-factor auth of web devices
Replies: 8
Views: 663

Re: Schwab requires ONE TIME 2-factor auth of web devices

You can do this with Vanguard as well. My concern has been - for any of these companies - Is this 2-factor auth required for ANY access, or only for a ONE-TIME auth token or cookie ? I would hate to have 2-factor enabled for each and every website access. They don't really articulate the requiremen...
by ps56k
Mon Jul 02, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: Schwab requires ONE TIME 2-factor auth of web devices
Replies: 8
Views: 663

Schwab requires ONE TIME 2-factor auth of web devices

I use Schwab for my stock portfolio... They have been posting a message at website login about upcoming 2-factor authentication being required. I was thinking it was for EVERY time you logged into the system webpage.... well, nope - it's just once. Schwab today (Monday July 2, 2018) is REQUIRING a 2...
by ps56k
Sat Jun 16, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: Rate hikes vs - Muni, Corp, Total Bond funds
Replies: 18
Views: 2666

Re: Rate hikes vs - Muni, Corp, Total Bond funds

I was curious about the comparisons, for my simple understanding of how and which "bonds" might be influenced by rates... Muni - issued by municipalities, and fixed for their period - rates set by issuing municipality - competing for investors when rates change LT Corp Investment - issued by compani...
by ps56k
Thu Jun 14, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: Rate hikes vs - Muni, Corp, Total Bond funds
Replies: 18
Views: 2666

Re: Rate hikes vs - Muni, Corp, Total Bond funds

Bob wrote:
Thu Jun 14, 2018 9:05 am
Graph of the data.
Thanks for taking the time and effort to collect, tabulate, and chart...
by ps56k
Thu Jun 14, 2018 1:00 am
Forum: Investing - Theory, News & General
Topic: Rate hikes vs - Muni, Corp, Total Bond funds
Replies: 18
Views: 2666

Rate hikes vs - Muni, Corp, Total Bond funds

With the recent rate hike, and more anticipated,
how does that affect the Vanguard bond funds - such as the Intermediate Muni, LT Investment Grade, or Total US Bond

I can see how some of these types might be directly impacted by rising rates - but what about the Vanguard Intermediate Muni fund
by ps56k
Thu Jun 07, 2018 10:17 pm
Forum: Investing - Theory, News & General
Topic: Indexing will fail investors in next decade
Replies: 57
Views: 9425

Re: Indexing will fail investors in next decade

Sorry folks - the article and link was passed along to me from a friend that is usually pretty much a mentor.... but maybe not so much in this specific case.... BTW - on the "water" front - years ago, I looked at a couple of the ETFs that had holdings in the water world of production, transport, etc...
by ps56k
Wed May 09, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??
Replies: 27
Views: 1888

Re: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??

WOW - what a thread - I can see how the OP grew frustrated and just decided the forum was not worth it. Interesting story, and I'm sure there are lots of folks in the exact same situation. Topics mentioned - with no easy way out - as they are part of the balancing act. CC - guessing grabbed any intr...
by ps56k
Thu May 03, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: Yield Curves-Treasury, CD, AA/AAA muni
Replies: 93
Views: 10343

Re: Yield Curves-Treasury, CD, AA/AAA muni

just a little something on the new tax rates - guess we are going be filing - Married and 24% - https://thumbor.forbes.com/thumbor/960x0/https%3A%2F%2Fblogs-images.forbes.com%2Fkellyphillipserb%2Ffiles%2F2018%2F03%2FSingle-CONF-2.jpg and https://thumbor.forbes.com/thumbor/960x0/https%3A%2F%2Fblogs-i...
by ps56k
Fri Apr 27, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: Yield Curves-Treasury, CD, AA/AAA muni
Replies: 93
Views: 10343

Re: Yield Curves-Treasury, CD, AA/AAA muni

Interesting following along..... learning.... scrolling up/down -
Wonder how this very specific targeting would compare against the backdrop of the usual Vanguard Total Bond Index fund ?
by ps56k
Sat Apr 21, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: A basic, elementary question on why it makes sense to invest more in stocks than bonds despite dividend rates
Replies: 20
Views: 2548

Re: A basic, elementary question on why it makes sense to invest more in stocks than bonds despite dividend rates

When people here talk about dividend yield, it is usually in terms of tax inefficiency, i.e. the higher the yield the less efficient in a taxable account. In a taxable account, you have to pay taxes every year on the dividends at your current marginal income tax rate . If you have an efficient stoc...
by ps56k
Fri Apr 20, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 14227

Re: Divs and Cap Gains are killing me

The way I remember it being explained is... STCG (from internal fund operations: buying/sell) are just reported on 1099DIV for convenience (along with FTC, TE DIV, AMT issues,...). --Ordinary dividends + QDI are reported on 1099DIV box 1a. --QDI are reported on 1099DIV box 1b. (Subtract from box 1a...
by ps56k
Fri Apr 20, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 14227

Re: Divs and Cap Gains are killing me

BTW - one last interesting point, as I've gone over the TRowe history for these mutual funds, and then compared it to my 1099 .... It appears that the ST Cap Gain is listed on the TRP history for the mutual fund, but then is later reported on the 1099 as..... DIV...... WHY do the internal Short Term...
by ps56k
Sun Apr 15, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 14227

Re: Divs and Cap Gains are killing me

It would be nice if the OP would distinguish between Capital Gains Distributions (CGDs) from certain mutual funds and Capital Gains, either ST or LT from selling securities of any type... I think I had that with my Schwab stock portfolio - used for buy/sell stocks - accounting for about $50k of the...
by ps56k
Sat Apr 14, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 14227

Re: Divs and Cap Gains are killing me

rec7 wrote:
Sat Apr 14, 2018 8:22 pm
I would quit that 9k job. I had the same problem but not as bad.
I sold before the end of march that way I only had CG for the year. It might take you a few years of doing that.
The $9k was from substitute teacher work - filling in at old school when the school district calls...
by ps56k
Fri Apr 13, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Interest rate risk of VG intermediate munis vs muni index
Replies: 5
Views: 1020

Re: Interest rate risk of VG intermediate munis vs muni index

was just pointed at VWITX from another thread - will have to come back and read thru various comments on the Vanguard Muni funds
by ps56k
Fri Apr 13, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 14227

Re: Divs and Cap Gains are killing me

Thanks all - Guess I will, over the next coming years, since the Trailing Returns seem to match the S&P anyway, migrate some of my higher CG generating mutual funds into my Vanguard index stock funds... And to diversify and protect my portfolio from market downturns and crashes, will also look at so...
by ps56k
Fri Apr 13, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 14227

Re: Divs and Cap Gains are killing me

Besides identifying higher turnover funds that distribute capital gains, you also need to review all of your holdings and determine the capital gains exposure strictly from selling your shares. Compare your cost basis in each fund with the current value. I just looked up my Cost Basis vs Mkt Value ...
by ps56k
Fri Apr 13, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 14227

Re: Divs and Cap Gains are killing me

It is really hard to give thoughtful answers without the whole picture. Why don't you start a new thread using this format? https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 ^ Agree with the above. We need more information. Depending on your tax situation, a municipal bond fund (or funds) m...
by ps56k
Wed Mar 14, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Schwab CORRECTED 1099 DIV for - 2016 AND 2017
Replies: 8
Views: 871

Re: Schwab CORRECTED 1099 DIV for - 2016 AND 2017

edited orig posting -
it was for the 1099-DIV portion

sorry - just scrolled down to the Year End summary - have about 40 stocks -
it was, for me, Qualcomm - QCOM -
by ps56k
Wed Mar 14, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Schwab CORRECTED 1099 DIV for - 2016 AND 2017
Replies: 8
Views: 871

Schwab CORRECTED 1099 DIV for - 2016 AND 2017

Just finished filing my 2017 taxes a few weeks ago.... March 2018 - and then received a Schwab CORRECTED 1099 DIV... just set it aside... Will have to wait for the 2017 return to clear and settle before filing an Amended 2017 return... BUT - then received an email from Schwab about our CORRECTED 109...
by ps56k
Fri Feb 23, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2210 Penalty vs ES-1040 vs Withholding
Replies: 10
Views: 756

Re: IRS 2210 Penalty vs ES-1040 vs Withholding

Thanks for all the comments and chatter... just as a side note - concerning ES-1040 payments... I setup my Quicken to remind me and pay on EQUAL calendar quarters - That way, I can see, in Quicken, my "yearly" payments as a category. March 15 --> April - 1st voucher June 15 --> June - 2nd voucher Se...
by ps56k
Fri Feb 23, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2210 Penalty vs ES-1040 vs Withholding
Replies: 10
Views: 756

Re: IRS 2210 Penalty vs ES-1040 vs Withholding

Thanks for the reply and taking the time to walk thru the text.... I guess I'm doing the coin toss... A - wait until the end of the year, and pay the full tax amount plus the higher penalty - but less shuffling with ES-1040's and Form 2210 B - increase my ES-1040 payments to cover the higher anticip...
by ps56k
Fri Feb 23, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: IRS 2210 Penalty vs ES-1040 vs Withholding
Replies: 10
Views: 756

Re: IRS 2210 Penalty vs ES-1040 vs Withholding

Here is what things look like.... For 2016 taxes - had a large Cap Gain, and large resulting end of year taxes... Taxes = $33,000 Withheld = $15,000 Tax Due = $18,000 with a Penalty of $400 SO - for 2017 taxes, which would have the same large Cap Gains, decided to spread out that end of year anticip...
by ps56k
Thu Feb 22, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2210 Penalty vs ES-1040 vs Withholding
Replies: 10
Views: 756

IRS 2210 Penalty vs ES-1040 vs Withholding

Have some large Cap Gains and Divs in the last couple of years, and the resulting tax due has been more than usual. SO... thought I would jump on the ES-140 forms, and pay the end of year tax due spread out during the year. Now... TurboTax is calculating a Form 2210 Penalty, as it seems that if I do...
by ps56k
Thu Feb 22, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: Rising Bond Yields
Replies: 6
Views: 1267

Re: Rising Bond Yields

It will be interesting to see how the portfolio of Total Bond Index changes.... vs the 10yr bond - the fund avg is about 8.4 yrs https://personal.vanguard.com/us/FundsSnapshot?FundId=0084&FundIntExt=INT&funds_disable_redirect=true#tab=2 Distribution by effective maturity (% of fund) as of 01/31/2018...
by ps56k
Fri Feb 09, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tax program suggestions = W2, 1099-Div, -B. 8949
Replies: 3
Views: 397

Tax program suggestions = W2, 1099-Div, -B. 8949

I've usually done my 20-something son's taxes using TTAX Desktop - thought maybe he could try one of the offerings... either online or CD. I don't want to sway him, and not sure how he feels about the whole online thing. SO - he has .... W2 - 1099's from Schwab for his Divs and one stock sale 1099-B...
by ps56k
Sat Jan 27, 2018 10:20 pm
Forum: Investing - Theory, News & General
Topic: IRA contribution - sub-teacher & possible W2
Replies: 9
Views: 857

Re: IRA contribution - sub-teacher & possible W2

Received her W-2 today - for 2017 -
it was for $9,200 - Gross pay -
So.... I could max out her T-IRA at $6,500,
and contrib to my T-IRA with the remaining $2,700.

Will look at the Roth issues at another time... as the future of RMDs may well push us into the next tax bracket
by ps56k
Wed Jan 24, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: ETFs Advantage?
Replies: 34
Views: 2487

Re: ETFs Advantage?

Interesting thread - as I was just thinking the same question - ETF vs MF - As a long time holder of Vanguard funds.... do I add more via my Vanguard funds or buy their ETFs via my Schwab acct. https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds Don't know which way I'll go in the future....I'm try...
by ps56k
Tue Jan 23, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Bonds - Total Bond fund vs Long Term Inv Grade fund
Replies: 3
Views: 495

Re: Bonds - Total Bond fund vs Long Term Inv Grade fund

Did the Morningstar - TCR - Tax Cost Ratio -
http://performance.morningstar.com/fund ... ture=en_US

for me....
LT Inv Grade - VWETX Fund Bal - $100,000
Divs $3,346
CG $1,116

Tot Bond - VBTLX Fund Bal - $100,000
Divs $1,783
CG $0
by ps56k
Tue Jan 23, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Bonds - Total Bond fund vs Long Term Inv Grade fund
Replies: 3
Views: 495

Bonds - Total Bond fund vs Long Term Inv Grade fund

Have held the Vanguard bond fund - Long Term Investment Grade VWETX and it has generated a lot of Cap Gains... so the total tax cost of ownership is high. Thinking of exchanging into my Vanguard Total Bond fund VBTLX which has no Cap Gains. Just trying to consolidate some of my Vanguard holdings - a...
by ps56k
Mon Jan 22, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Planning
Replies: 5
Views: 1165

Re: Vanguard Retirement Planning

these calculators seem like they would work - BUT - not sure if the Income is Gross or Net for things like taxes on pension, W2, etc - https://personal.vanguard.com/us/insights/retirement/retirement-tools https://personal.vanguard.com/us/insights/retirement/tool/retirement-income-worksheet https://p...
by ps56k
Mon Jan 22, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest funds for retirement?
Replies: 16
Views: 2085

Re: How to invest funds for retirement?

interesting thread.... is there any kind of online tool or sample spreadsheets to work thru the retirement questions... ie - Income --> part time teacher W2 - teacher pension, Divs, Cap Gains, Interest, etc - Expense - Medicare, real estate taxes, Fed taxes, State taxes, etc [ EDIT ] ---> just ran a...
by ps56k
Fri Jan 12, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity - decision process & why ?
Replies: 3
Views: 567

Annuity - decision process & why ?

Some friends have annuities - I never even considered them... SO - now I'm wondering, did I miss out - should I re-think getting one - and WHY ? Where does one even start to think about yes, no, maybe, why, which - Here are some comments from my friends..... when we discussed - Long Term Care, Annui...
by ps56k
Thu Jan 11, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: 403b/teachers pension plan rollover questions
Replies: 11
Views: 3686

Re: 403b/teachers pension plan rollover questions

Just another catchup to the thread - we never touched the teacher 403b account - and she retired back in 2016 - - never did the Roth conversion or rollover So - we both have Fidelity T-IRA accounts She has her Fidelity 403b account - also at Fidelity - We have lots with Schwab, Vanguard, Fidelity, a...
by ps56k
Thu Jan 11, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care insurance - transfer from annuity IRS 1035 exchange
Replies: 5
Views: 610

Re: Long Term Care insurance - transfer from annuity IRS 1035 exchange

So what is the general feeling and discovery about LTC ? I think my wife's parents had something set up with John Hancock - but A - father was suddenly ill and died B - mother had colon cancer, and was in an assisted care facility for a couple of years Not only is it a coin toss on getting any kind ...
by ps56k
Sun Dec 17, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy term life insurance?
Replies: 24
Views: 2929

Re: Should we buy term life insurance?

Insurance is for when bad things happen - flat tire - SO... when our son was born, I took out term LI to cover things while he was growing up - And, again, for bad things, what happens in a care crash and the parents are killed - but the kids survive - it is great to have a large portfoiio - but wha...