Search found 50 matches

by Needsomehelp
Fri Dec 13, 2019 2:58 pm
Forum: Investing - Theory, News & General
Topic: LT Bonds Capital gains - to barbell or sell
Replies: 1
Views: 228

LT Bonds Capital gains - to barbell or sell

Hello everyone, trying to wrap my mind around "barbelling" bond funds and have been reading the board but my question *seems* unique. Basically, for my taxable account i have a roughly 50/50 split between vti and vwltx. I had originally used the intermediate tax-exempt for the bond allocation but TL...
by Needsomehelp
Fri Nov 15, 2019 6:37 pm
Forum: Investing - Theory, News & General
Topic: for all the talk - do we really need to rebalance that often? at all?
Replies: 25
Views: 2246

Re: for all the talk - do we really need to rebalance that often? at all?

Amazing. Thanks for helping me get over my case if FOMO when it comes to rebalancing. And the research report. Interesting read. Livesoft - typo on my part. 50% us 20% into and 30% bonds. (I have fomo on the international allocation too but there are plenty of threads on that. ) So cool that so many...
by Needsomehelp
Fri Nov 15, 2019 11:30 am
Forum: Investing - Theory, News & General
Topic: for all the talk - do we really need to rebalance that often? at all?
Replies: 25
Views: 2246

for all the talk - do we really need to rebalance that often? at all?

Hello all, Just want to get a sanity check here - for as much as we write about it on the forums - 5%, 25%, yearly, quarterly, etc...on rebalancing do we really need or gain much from all of the conversation about it? I've been off and on monitoring our families accounts and even on a year like this...
by Needsomehelp
Thu Oct 24, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mort. Refi math question - how to calculate mid term prepay
Replies: 5
Views: 346

Re: Mort. Refi math question - how to calculate mid term prepay

thanks all the web site and calculations did the trick...many thanks hopefully others can find them useful as well. Looks like refi-ing will save a bundle of interest.

thanks
by Needsomehelp
Thu Oct 24, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Mort. Refi math question - how to calculate mid term prepay
Replies: 5
Views: 346

Mort. Refi math question - how to calculate mid term prepay

Hi all, Wondering if someone better at math or at least Google searching can point me to something. I currently have a 4% 30 year loan that I have been prepaying on for the last few years. I'm contemplating refi-ing to a 3% 15 (since I'm prepaying roughly that amount now and would save the % of inte...
by Needsomehelp
Mon Jul 15, 2019 7:47 am
Forum: Investing - Theory, News & General
Topic: Bond Index Fun math question - do NAV gains off set reduced dividends?
Replies: 2
Views: 436

Bond Index Fun math question - do NAV gains off set reduced dividends?

Hello all, Question for the forum: I've always understood - or at enough that I felt that I needed to - that as interest rates shifted the price (NAV) of my bond fund would go up or down. If future interest rates went up, then the price of my bond would offset lower, and then the flip side is true. ...
by Needsomehelp
Thu Feb 07, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: ibonds and beneficiaries
Replies: 1
Views: 336

ibonds and beneficiaries

Hello all, My wife and I are (slowly) building our emergency fund with ibonds and I just did this years batch. I'm a bit confused on how ibonds are treated in the event that one or both of us were to pass away (as grim is to think about that) and how mechanically the money would be delivered (knowin...
by Needsomehelp
Thu Jul 05, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Repair car, new or rent for cross country trip
Replies: 13
Views: 853

Repair car, new or rent for cross country trip

Family trip planned for a month. Will fly to SF drive up west coast and across northern USA with wife and kids. Took 2013 Honda Odyssey to dealer for scheduled service and need a few minor repairs but three wheel rims are bent. Anyone know if it is safe to drive with bent rims? Does it make sense to...
by Needsomehelp
Thu May 31, 2018 4:16 pm
Forum: Personal Investments
Topic: TLH muni bond fund with loses - any advice?
Replies: 4
Views: 655

TLH muni bond fund with loses - any advice?

Hi all For my taxable account I have 50/50 across vanguard total stock and intermediate tax exempt. I saw that I have close to 4K in loses for the muni fund and was wondering if a good TLH strategy would to be to sell. Write off the 4K and either wait 30 days to buy it again or buy the short term mu...
by Needsomehelp
Mon May 07, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: question about how to buy ibonds for wife?
Replies: 5
Views: 960

Re: question about how to buy ibonds for wife?

just wanted to say a quick thanks! separate account for the wife it is...
by Needsomehelp
Fri May 04, 2018 7:28 am
Forum: Personal Finance (Not Investing)
Topic: question about how to buy ibonds for wife?
Replies: 5
Views: 960

question about how to buy ibonds for wife?

Hello all, I just made my yearly ibond purchased in my TD account and I was hoping to start my wife up on our ibond investing. Question - do I create a new "registration" with her name or a completely seperate account? If I do create a separete registration, do I select Sole Onwer, Primary registraa...
by Needsomehelp
Tue Apr 24, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: new tax law - does it change calculations for prepay mortgage or muni bonds in taxable?
Replies: 3
Views: 832

new tax law - does it change calculations for prepay mortgage or muni bonds in taxable?

Hello all Want to see if anyone has any information to share and can't find any currently on the forum. With the new tax law - i was wondering if my calculations about my taxable account and prepaying my mortgage change. In 2017, I was in the 33% tax bracket (towards the top of the bracket) so I've ...
by Needsomehelp
Tue Mar 20, 2018 11:16 pm
Forum: Personal Investments
Topic: Treasury Bill Rates
Replies: 32
Views: 5721

Re: Treasury Bill Rates

doing a bit of research and asking some questions on the forum - I've landing on a pretty simple (I think) strategy where I took my yearly expenses for an emergency fund divided by 4 and have a 4 - week tbill ladder that is reinvested each week. So, if I need to, I can stop a week if I need access t...
by Needsomehelp
Mon Mar 05, 2018 11:18 am
Forum: Personal Investments
Topic: can you set vanguard to automatically invest to your assest allocation?
Replies: 6
Views: 719

can you set vanguard to automatically invest to your assest allocation?

hi all, I investment my taxable account in 50/50 Total Stock market and Intermediate Term Tax Exempt. last year, all of my bi-monthly investments were easy - I put them in the bond fund to catch up to the stock fund. This year there has been more ups and downs - can you configure your vanguard accou...
by Needsomehelp
Wed Feb 28, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: typical tbill duration which keeps up with inflation??
Replies: 26
Views: 2720

Re: typical tbill duration which keeps up with inflation??

HI all, thanks again for the dicussion. I keep learning. A bit more context to seeif it matters. I had contemplated breaking my yearly expenses (which are around 100k) into quarters and having hte ladder mature every three months to allow for larger amounts of money resting comfortably in my MM acco...
by Needsomehelp
Tue Feb 27, 2018 6:40 pm
Forum: Investing - Theory, News & General
Topic: typical tbill duration which keeps up with inflation??
Replies: 26
Views: 2720

Re: typical tbill duration which keeps up with inflation??

Thanks for all the replies. Earlier up the thread someone asked for specifics on what I was doing. I was keeping it simple. Divide my yearly expenses by 12 and by 1 year bills each month and repeat. Seems pretty simple. I was curious about historic inflation because I was curious if I should expect ...
by Needsomehelp
Mon Feb 26, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: typical tbill duration which keeps up with inflation??
Replies: 26
Views: 2720

typical tbill duration which keeps up with inflation??

Hi, I'm building a tbill ladder for my emergency fund - as I've been purchase 1 years month to month a question popped into my mind. Does anyone know what is the typical duration of a tbill that keeps up with inflation (before or after tax numbers)? (and yes, my ladder is started with ibonds but it ...
by Needsomehelp
Fri Jan 19, 2018 3:10 pm
Forum: Personal Investments
Topic: ibonds, cds and treasury direct questions
Replies: 6
Views: 1198

Re: ibonds, cds and treasury direct questions

thanks all helpful advice!
by Needsomehelp
Thu Jan 18, 2018 5:37 pm
Forum: Personal Investments
Topic: ibonds, cds and treasury direct questions
Replies: 6
Views: 1198

ibonds, cds and treasury direct questions

Hi all, Need some help. I read about ibonds, CDs, etc for short term reserves and frankly have been somewhat paralyzed about pulling the trigger. Well, new year and need to finalize - or I'll keep losing money to inflation. PLus, waiting for the ibonds to recalculate or finding the best CD rate real...
by Needsomehelp
Sat Dec 02, 2017 5:26 pm
Forum: Investing - Theory, News & General
Topic: Tax ? - Gifting funds and 30 day wash rule
Replies: 2
Views: 347

Tax ? - Gifting funds and 30 day wash rule

Hello all, Need some help...I was going to do some end of the year giving and I started to consider giving some appreciated shares of the VTI (Total Stock Index) fund to allow for the capital gains to not be taxed. Let's say 10k instead of giving the equivalent amount in cash amount. AND then purcha...
by Needsomehelp
Wed Apr 12, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: quick ibonds question
Replies: 3
Views: 800

quick ibonds question

Hi I want to make my first ibonds purchase. I realize there are some limitations about when you redeem your ibonds within 5 years and I was curious if you one should purchase smaller denominations of ibonds (say 10x$1000) or if the total of the account is tracked and you can redeem a portion of the ...
by Needsomehelp
Fri Jul 24, 2015 11:42 am
Forum: Personal Investments
Topic: Sold a house, bought a house – now, what to do with savings?
Replies: 7
Views: 1278

Sold a house, bought a house – now, what to do with savings?

Hello all, Over the past few years, my wife and I have been in the process of looking for the “slightly” bigger house in the neighborhood as the family has expanded. Initially, all of our (non-retirement) savings were earmarked for that (in the several hundred K range) but as the house never happene...
by Needsomehelp
Sat Jan 17, 2015 2:53 pm
Forum: Personal Investments
Topic: Help with math for lump sum/pension decision
Replies: 3
Views: 500

Re: Help with math for lump sum/pension decision

Grt2bOutdoors - thanks - super helpful. It *appears* I also need to read the fine print of the current offer to make sure I'm comparing apples to apples from the annuity side. For all - is there anyway to compare that with investment returns of rolling it into an IRA for 25 years? Or is the assumpti...
by Needsomehelp
Sat Jan 17, 2015 2:34 pm
Forum: Personal Investments
Topic: Help with math for lump sum/pension decision
Replies: 3
Views: 500

Help with math for lump sum/pension decision

Hi all, I received the final quote to my pension/lump sum buy out offer. I get the general pros/cons from other threads on the boards that I have read (flexibility, risk, estate planning, etc...) I'm struggling with the math of how to compare the two. Can anyone help with the math or direct me to a ...
by Needsomehelp
Tue Oct 28, 2014 7:42 pm
Forum: Personal Investments
Topic: Help me help my mom
Replies: 9
Views: 1536

Help me help my mom

Hello. I've got a decent grasp of my own investment situation (which has come from this forum) however my mom is a very late starter to savings and has asked me for help. I'm hoping folks on the forum that are little closer to those decision might offer some insight. Here goes My mom is in her early...
by Needsomehelp
Tue Oct 07, 2014 8:23 am
Forum: Personal Investments
Topic: does the underlying index matter?
Replies: 3
Views: 544

does the underlying index matter?

Hello I couldn't find much on this topic and looking for some general advice. To set the stage, I try (as best my 401k allow) to be a three-funder. I'm leaving a job with a substantial 401k balance. I could roll it into a Vanguard account. However, I still have an old TSP account that allows me to r...
by Needsomehelp
Fri Sep 19, 2014 7:47 pm
Forum: Personal Investments
Topic: new 401k offerings FSEVX and VFWAX - good for a 3funder?
Replies: 6
Views: 1111

Re: new 401k offerings FSEVX and VFWAX - good for a 3funder

Looks like there is agreement. Anyone know what percentage I need of fsevx blended with the spartan 500 (I think fsvix) to make a market portfolio. Is it 75 and 25?
by Needsomehelp
Thu Sep 18, 2014 11:50 am
Forum: Personal Investments
Topic: new 401k offerings FSEVX and VFWAX - good for a 3funder?
Replies: 6
Views: 1111

new 401k offerings FSEVX and VFWAX - good for a 3funder?

hello all I don't check my 401k often but logged in recently and noticed I have two new 401k offerings and was curious if folks had an experience with the funds. A bit of background - I try to emulate the 3 fund portfolio as best I can 55 US Equities/25 Int Equities/20 Bonds. It's served me well and...
by Needsomehelp
Wed Jan 29, 2014 7:35 pm
Forum: Investing - Theory, News & General
Topic: Why Correlation Doesn’t Matter Much
Replies: 52
Views: 6622

Re: Why Correlation Doesn’t Matter Much

Rick or anyone I wonder if you might share a thought on this research and its application to target date or balanced funds. I generally subscribe to a three fund portfolio approach but because my plan doesn't offer individual vanguard funds lm left with trying to use mutiple funds of slightly higher...
by Needsomehelp
Tue Jan 28, 2014 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: how to evaluate the value of a pension when comparing a job
Replies: 1
Views: 360

how to evaluate the value of a pension when comparing a job

Hello all A possibility Ill be changing jobs... My current employee offers a pension (along with the other typical benefits and salary). The new position will not. Is there a easy back of the envelope calc to see how much the pension benefit is "worth"? Its fairly typical - top 5 years avg salary * ...
by Needsomehelp
Fri Jan 17, 2014 12:37 pm
Forum: Personal Investments
Topic: is this fair to expect
Replies: 6
Views: 1051

Re: is this fair to expect

@letsgobobby - you read my mind. What I was trying to get is a sense if those expectations are reasonable because I'm trying to figure out if I can start to peel off some of my 401k contributions into my children's 529 plans. I have very little saved for college with the philosphy that you have to t...
by Needsomehelp
Wed Jan 15, 2014 1:26 pm
Forum: Personal Investments
Topic: is this fair to expect
Replies: 6
Views: 1051

Re: is this fair to expect

Thanks for the info...off to FireCalc to give it a try.
by Needsomehelp
Wed Jan 15, 2014 10:30 am
Forum: Personal Investments
Topic: is this fair to expect
Replies: 6
Views: 1051

is this fair to expect

Hi all, I'm closing in on 40 and I have a goal of 20x my salary when I retire. (I know the various schools of thought 25 and 33 - I figure 20 is a good place to start since I have a bit of a pension, etc and I am also 20+ years out.) I currently have 10x my salary saved. Is it fair to my to expect (...
by Needsomehelp
Tue Jan 07, 2014 2:59 pm
Forum: Investing - Theory, News & General
Topic: REITs And Your Portfolio
Replies: 58
Views: 9687

Re: REITs And Your Portfolio

Rick and all, Great article. I'm curious about the diversification aspect and my (doubtfully unique) situation. I have a portfolio that is roughly 80/20 (Stocks/Bonds) within the Stock roughly 65/35/5 US/Int/REIT. Pretty standard stuff... However, I only have access to REIT funds in my Vanguard IRA ...
by Needsomehelp
Thu Dec 26, 2013 10:44 pm
Forum: Personal Investments
Topic: TLH newbie
Replies: 3
Views: 625

Re: TLH newbie

livesoft - huge forum fan of yours (if you don't mind me saying that - still figuring out proper forum etiquette:)) if I have ~6300 in losses and I can only reduce 3000 of ordinary income, wouldn't I want to use that extra 3300 to offset tax basis for the future with vfiax? Or can I defer that 3300 ...
by Needsomehelp
Thu Dec 26, 2013 9:49 pm
Forum: Personal Investments
Topic: TLH newbie
Replies: 3
Views: 625

TLH newbie

Any help would is much appreciated. Taxable account has the following losses/gains... Stocks ST LT VFIAX $157.50 $13,483.65 Bonds VBIRX ($357.49) ($301.58) VBTLX ($153.70) ($5,616.35) Bond Totals ($511.19) ($5,917.93) ($6,429.12) I've never done TLH so any feedback would be muc appreciated. Moving b...
by Needsomehelp
Mon Dec 09, 2013 12:59 pm
Forum: Personal Investments
Topic: year end sale/purchase confusion around dates
Replies: 1
Views: 332

year end sale/purchase confusion around dates

HI I'm confused with some year end tax moves - i.e. ex-dividend Date,Declartion Date, etc...from my 2 year old taxable account...I'm in the 33% tax bracket. Here goes: I have: 25% - Vanguard S&P 500 with +12k cost basis 50% - Total Bond Market with -5k cost basis 25% - Short Term Bond index with rel...
by Needsomehelp
Wed Dec 04, 2013 8:02 am
Forum: Personal Investments
Topic: Tax Loss Harvesting newbie and taxable portfolio review
Replies: 4
Views: 813

Re: Tax Loss Harvesting newbie and taxable portfolio review

I'm wrong. My top rate would be 33. Does that make a differentl; should I not go to muni index but stay with BND for taxable?
by Needsomehelp
Tue Dec 03, 2013 12:55 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting newbie and taxable portfolio review
Replies: 4
Views: 813

Tax Loss Harvesting newbie and taxable portfolio review

I have a tax loss harvesting question since I am new to taxable investing. I started a taxable account roughly 4 years ago with the Vanguard S&P 500 (VFIAX) fund. (I have 2 years of emergency fund and a good start to retirement funding) I added a Total Bond (BND) fund purchase roughly 14 months ago ...
by Needsomehelp
Fri Nov 22, 2013 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is the DC 529 worth it? if not, what? AA recs?
Replies: 1
Views: 396

Is the DC 529 worth it? if not, what? AA recs?

Hello all, I am researching 529 plans for my elementary age children and am a DC resident. Two questions: 1. Is the DC 529 plan worth it? The Calvert Investments and plan seem expensive (.7-2%ER) I've looked at Ohio, Iowa and VA that have low cost Vanguard options. Is the state tax deduction worth i...
by Needsomehelp
Thu Nov 21, 2013 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: HSA limits for 2014
Replies: 5
Views: 785

Re: HSA limits for 2014

Maybe I have my terminology wrong. Our employees have two "flexible spending accounts" one for child care expenses (which I thought was called FSA) and one for heatlh expenses (I thought called HSA but I checked my employers site nad it is labeled FSA-Health) So, I plan on deducting FSA: 5k for chil...
by Needsomehelp
Thu Nov 21, 2013 11:49 am
Forum: Personal Finance (Not Investing)
Topic: HSA limits for 2014
Replies: 5
Views: 785

HSA limits for 2014

My wife and I both work and our benefit annrollemnt time is just around the corner. Our plans allow for us both to deducte 2500 dollars for health care spending accounts - my son will be getting braces next year. I'm curious does anyone know if we can both take out 2500 because we both work or is it...
by Needsomehelp
Sun Nov 17, 2013 7:21 am
Forum: Personal Investments
Topic: How to compare my rate of returne (XIRR) for last 10 yrs?
Replies: 2
Views: 569

Re: How to compare my rate of returne (XIRR) for last 10 yrs

Thanks. I think I need to rephrase my question about. Is there a web site/tool that shows the lifestrategy fund's return if I put say $100 each month for the last 10 years. Basically, does the return change as you figure the time weighted contributions. So in my excell XIRR calculations, I plugged i...
by Needsomehelp
Sat Nov 16, 2013 3:01 pm
Forum: Personal Investments
Topic: How to compare my rate of returne (XIRR) for last 10 yrs?
Replies: 2
Views: 569

How to compare my rate of returne (XIRR) for last 10 yrs?

Hi all, Thanks to the forum, I figured out how to calculate my rate of return with a the XIRR calculation for my 401k for the last two years. (8.93%) How should/do I compare that to the market return since most web sites don't show the return with my constant 401k contributions through the 10 years?...
by Needsomehelp
Wed Nov 13, 2013 10:41 pm
Forum: Personal Investments
Topic: how to calcuate your rate of return
Replies: 10
Views: 1463

Re: how to calcuate your rate of return

#cruncher - thanks much! Now my final question (For now)- is this rate of return comparable to what I would see the rate of return from mutual fund propsectus or on morning star? I guess I'm asking if investors should have goals in mind for xirr calculations? and if so are they related to a average ...
by Needsomehelp
Wed Nov 13, 2013 6:15 pm
Forum: Personal Investments
Topic: how to calcuate your rate of return
Replies: 10
Views: 1463

Re: how to calcuate your rate of return

Thanks so much. Really helpful. One of my accounts is a bit different Instead of a account starting at 0, my account started with funds in it (i.e. it was transfer when my employer switched 401ks providers so I have something like....(below) Does starting with a lump sum through it off? Row Date (A)...
by Needsomehelp
Wed Nov 13, 2013 10:49 am
Forum: Personal Investments
Topic: how to calcuate your rate of return
Replies: 10
Views: 1463

how to calcuate your rate of return

If I have the yearly contributions I've made to my 401k for the last 15 years and I have the total amount it is worth - is there a way to calcuate the rate of return over that time period?
by Needsomehelp
Sun Nov 10, 2013 11:31 am
Forum: Personal Investments
Topic: Is there a3 fund portfolio for taxable?
Replies: 3
Views: 1004

Re: Is there a3 fund portfolio for taxable?

Thanks much for the feedback. Is there a risk difference between tbm and muni index?
by Needsomehelp
Fri Nov 08, 2013 8:21 am
Forum: Personal Investments
Topic: Is there a3 fund portfolio for taxable?
Replies: 3
Views: 1004

Is there a3 fund portfolio for taxable?

Hi all, Second post on the forum as I try to answer a few questions I've been struggling with for a while. My earlier post is on pension question is here...http://www.bogleheads.org/forum/viewtopic.php?f=1&t=125851 Background: late 30s, married with 2 kids, with retirement porfolio at 60% US Stocks,...
by Needsomehelp
Mon Nov 04, 2013 9:19 am
Forum: Personal Investments
Topic: annuity or lump sum + 2 decades away
Replies: 1
Views: 959

annuity or lump sum + 2 decades away

Hello all, I've finally become a registered member. I've been reading and learning from these forums for years. I've been struggling with two upcoming financial decisions so I thought I would toss it out on the forum to see if anyone has a helpful perspective. Let's start with my first decision - pe...