Search found 124 matches

by twindad57
Wed Aug 26, 2020 9:52 pm
Forum: Personal Investments
Topic: TSP: G and F fund
Replies: 30
Views: 3854

Re: TSP: G and F fund

I researched this several years ago and decided to use the G fund for all of our bond holdings. This is now about 30% of our total investable assets including those not in TSP. My reasoning is bonds (in our portfolio) are to offset risk and not to possibly marginally increase returns, and the G fund...
by twindad57
Wed Mar 16, 2016 12:52 pm
Forum: Investing - Theory, News & General
Topic: "Monitor Your Portfolio Once This Year, Then Ignore It"
Replies: 53
Views: 9354

Re: "Monitor Your Portfolio Once This Year, Then Ignore It"

I now review twice a year thanks to everything I've learned on this website! One look is focused on making sure our portfolio matches our target asset allocation. Did this review yesterday. I will take a second look later this year to see if there are any losses to be harvested at that point which w...
by twindad57
Sun May 24, 2015 7:05 pm
Forum: Personal Investments
Topic: Investment advice for income
Replies: 6
Views: 1287

Re: Investment advice for income

Really sorry to hear about your health difficulties. Are you a veteran by chance? If so, you may be entitled to benefits related to your military service. If not, there may be parish or state services that can assist.
by twindad57
Thu May 14, 2015 9:54 pm
Forum: Personal Investments
Topic: How much in cash?
Replies: 35
Views: 9023

Re: How much in cash?

About 9-12 months' worth of expenses. If we had need of more than that amount, we would start to slowly sell some stocks or bonds, or maybe first turn off automatic reinvestment of dividends. The 'right' amount is highly variable by person. Among other things, I believe it depends on the dollar amou...
by twindad57
Mon May 11, 2015 4:22 pm
Forum: Personal Investments
Topic: Should I Reset Holdings?
Replies: 1
Views: 394

Should I Reset Holdings?

Last year I sold Vanguard Total International Stock Index Fund shares (VTIAX) from our taxable account at a loss to offset some realized gains in our portfolio. I left some holdings of VTIAX in another account (an IRA). I wanted to keep our asset allocation in place, but also wanted to avoid a wash ...
by twindad57
Sat Jan 24, 2015 7:53 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 255
Views: 39925

Re: What do you drive, and why?

2003 Honda Element with 74,000 miles. I bought it in 2003 because it fit my lifestyle at the time which included a lot of running and triathlon. Loved being able to roll my bike straight in without removing the front wheel. I also really like the fact it does not have carpet, and is easy to reconfig...
by twindad57
Sat Jan 24, 2015 7:49 pm
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 3538

Re: anyone here been to the Super Bowl?

Yes, I went Super Bowl XLIV to watch the Saints beat the Colts. I was in a similar situation - my brother was given a pair of tickets by his employer who also covered much of our expenses. A few tips: 1. Yes, go to the NFL experience. I think it was included in the price of the ticket on game day, a...
by twindad57
Fri Jan 02, 2015 9:53 am
Forum: Personal Investments
Topic: Rebalancing Portfolio - MS Excel or other?
Replies: 5
Views: 739

Re: Rebalancing Portfolio - MS Excel or other?

My wife and I have separate Vanguard accounts (user/pass). She has an IRA. I have an IRA. We both have access to our "cash" account. Is there a "macro/holistic" view that allows for re-balancing or do I just need to use Excel? You can set permissions on the Vanguard website unde...
by twindad57
Wed Dec 31, 2014 5:08 pm
Forum: Personal Investments
Topic: Sell Individual Stock with Large Gain to Reduce Exposure?
Replies: 17
Views: 2489

Re: Sell Individual Stock with Large Gain to Reduce Exposure

We ended up following Laura's advice and decided to look at our desired asset allocation at the portfolio level instead of the individual person. As a result, we moved all of our bonds into the Thrift Savings Plan G Fund. In turn, this necessitated several other adjustments to our holdings, but the ...
by twindad57
Mon Dec 29, 2014 12:15 am
Forum: Personal Investments
Topic: Sell Individual Stock with Large Gain to Reduce Exposure?
Replies: 17
Views: 2489

Re: Sell Individual Stock with Large Gain to Reduce Exposure

Since you have access to the G fund I would be tempted to move all the bonds into the TSP. The TSP I fund holds only developed markets and is missing emerging markets. That makes the Total Intl Stock Market a better option overall. I would be tempted to move all international into one of the accoun...
by twindad57
Sun Dec 28, 2014 11:09 pm
Forum: Personal Investments
Topic: Sell Individual Stock with Large Gain to Reduce Exposure?
Replies: 17
Views: 2489

Re: Sell Individual Stock with Large Gain to Reduce Exposure

Thanks, Laura. When we moved our accounts to Vanguard earlier this year, we tried to keep tax efficiency in mind. We also decided to keep a relatively equal asset allocation at the person level as well as for our overall portfolio. This resulted in some inefficiency, and it may be time to revisit th...
by twindad57
Sun Dec 28, 2014 9:56 pm
Forum: Personal Investments
Topic: Sell Individual Stock with Large Gain to Reduce Exposure?
Replies: 17
Views: 2489

Re: Sell Individual Stock with Large Gain to Reduce Exposure

Vanguard FTSE All World ex-US VFWIX Investor or VFWAX Admiral would be a great replacement holding for Total International Stock. Thanks for the suggestion. Is the fact it tracks a different index sufficient to avoid a wash sale, even though the largest holdings are nearly identical? Laura: Absolut...
by twindad57
Sun Dec 28, 2014 12:04 am
Forum: Personal Investments
Topic: Sell Individual Stock with Large Gain to Reduce Exposure?
Replies: 17
Views: 2489

Sell Individual Stock with Large Gain to Reduce Exposure?

I am looking for advice on whether I should sell Apple stock even with a net capital gain, in order to begin to reduce our large exposure to individual stocks. Here are the details: Our desired AA is 70/30 stocks bonds, with 1/3 of the stock portion in international. This leaves our overall desired ...
by twindad57
Wed Jul 30, 2014 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Home Appraisal
Replies: 20
Views: 3075

Re: Home Appraisal

For a refinance it's probably fine. Like others have said, most of the work is done online to find comparables. Unless you made additions to the house your original appraisal has the measurements.
by twindad57
Wed Jul 30, 2014 10:15 pm
Forum: US Chapters
Topic: How old are you?
Replies: 82
Views: 13054

Re: How old are you?

peppers wrote:Remember, it's not the years but the mileage.
Uh oh. I'm 43 and 11/12ths, but I definitely have a lot of miles. I started running at age 11.
by twindad57
Tue Jul 01, 2014 9:39 pm
Forum: Personal Consumer Issues
Topic: Getting toddler to brush their teeth
Replies: 53
Views: 4620

Re: Getting toddler to brush their teeth

We have 2 1/2 year old twins. We brush their teeth first, then they get to do it. They always ask for more toothpaste, but what they say is 'too much.' When it is their turn daddy gives them 'too much' toothpaste with instructions not to tell mom (who is sitting nearby). The 'too much' toothpaste is...
by twindad57
Sun Jun 29, 2014 9:43 pm
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 7468

Re: How many Bogleheads golf?

In theory, I golf. Used to play 2-3 times a week. I took a job in DC. Went down to 18 times a year. I got married. We had twins. I golf about 1-2 times a year now. Someday, I'll pick it back up.
by twindad57
Wed Jun 25, 2014 11:46 am
Forum: Investing - Theory, News & General
Topic: Stock / Bonds Allocation
Replies: 48
Views: 5170

Re: Stock / Bonds Allocation

Age: 43 his/hers - somewhat older :happy AA: 75/25 Target AA - 70/30 split as follows: 47% US Equities 23% International Equities 30% Bonds We've been much more aggressive until recently. Something like 85-90% in equities. Stayed the course in 2008-2009 and kept buying equities throughout. As we get...
by twindad57
Wed Jun 25, 2014 7:35 am
Forum: Personal Investments
Topic: Just retired need Help
Replies: 28
Views: 3443

Re: Just retired need Help

Good job getting all your information together. Now you need to add the names of the funds to the ticker symbols, as well as the expense ratios for each. You have a lot of holdings and most people won't know what they are based on only the symbol. How is your reading coming along? Tell us what books...
by twindad57
Mon Jun 23, 2014 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 7413

Re: Poll: Dave Ramsey - Harmful or helpful?

Overall helpful. I used his techniques when I was drowning in debt to get out of it. I hope your diet wasn't just beans and rice and you didn't have to deliver pizzas. I did actually eat a lot of beans and rice, but I'm from New Orleans and I'm a good cook, so they were red beans & rice which i...
by twindad57
Sun Jun 22, 2014 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 7413

Re: Poll: Dave Ramsey - Harmful or helpful?

Overall helpful. I used his techniques when I was drowning in debt to get out of it. I tuned out the religious aspect, but found far more good than bad. Although I am a new boglehead, even back then I completely ignored his investment advice. No one is a specialist in everything.
by twindad57
Sat Jun 21, 2014 1:27 pm
Forum: Personal Investments
Topic: Job loss
Replies: 40
Views: 3508

Re: Job loss

Sorry about the job loss. At least your planning and savings have you in a pretty decent place all things considered. What type of work do you do? Do you have any taxable investment assets beyond the emergency fund? I wonder if part time or consulting combined with a small annual draw from available...
by twindad57
Fri Jun 20, 2014 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Question Need Urgent Help
Replies: 8
Views: 815

Re: Refinance Question Need Urgent Help

They should've disclosed this to you earlier, but I would probably sign it and move on. Yes, you are locking yourself into not re-financing for 6 months, but it's not the end of the world. I would also be sure to let them know afterwards they just lost your business going forward.
by twindad57
Fri Jun 20, 2014 8:24 am
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 13485

Re: It is time to retire when you .......

A combination of the first two for us, though we are ages 43/44 now, so a ways to go in all likelihood. One factor is my minimum retirement age in order to retire from federal employment (57). The main issue there is access to healthcare benefits with premiums supplemented by my employer. If the exc...
by twindad57
Wed Jun 18, 2014 9:18 pm
Forum: Personal Investments
Topic: Portfolio Advice--1st Post
Replies: 3
Views: 567

Re: Portfolio Advice--1st Post

Welcome to the forum! Others with much more experience will jump in, but I'll offer a couple thoughts. First, I would write out the names of your holdings. Some of the tickers are obvious (AAPL), but you'll get more help if people don't have to research what you have. Second, I would focus some ener...
by twindad57
Wed Jun 18, 2014 10:56 am
Forum: Investing - Theory, News & General
Topic: To stay a Boglehead, I have to leave Bogleheads.org
Replies: 56
Views: 8160

Re: To stay a Boglehead, I have to leave Bogleheads.org

Great post! I often feel the same way as a relative newbie here. While Taylor (and others) offer a straightforward approach, if you already have an existing portfolio it may not be easy to get to that simplified state even if you want to. As a result, it takes an iterative approach or a compromise. ...
by twindad57
Tue Jun 17, 2014 5:56 pm
Forum: Investing - Theory, News & General
Topic: Book Suggestions - A Methodical Approach
Replies: 15
Views: 1300

Re: Book Suggestions - A Methodical Approach

I read and liked All About Asset Allocation by Rick Ferri and The Investor's Manifesto by Dr. Bernstein. Both are excellent and both authors post on this site. Kind of wish I had read Investor's Manifesto first. I need to re-read Rick's book as I don't think I understood everything the first time.
by twindad57
Sun Jun 15, 2014 10:30 pm
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 12817

Re: What Do You Eat For Snacks?

Get a bicycle bento box that attaches to the top tube just behind your handlebars. You can easily stash a banana, nuts, gels, or fig newtons in there and eat while you ride. Very common in the triathlon world and very practical for even casual rides. Just google bicycle bento box and you should find...
by twindad57
Sat Jun 14, 2014 10:26 pm
Forum: Personal Investments
Topic: I want to buy a stock.
Replies: 43
Views: 3827

Re: I want to buy a stock.

A tale of two stocks. I did this with Sirius many years ago. Only recently sold at about an 80% loss. Very little money in grand scheme of things, but thrill wore off though we still love Sirius radio! Conversely, we own 1,400 shares of Apple most of which my wife purchased in college. Her basis is ...
by twindad57
Sat Jun 14, 2014 9:40 pm
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 12782

Re: How To Encourage A Young (Sensitive) Child In Sports

I am 43 years old. I started playing team sports around 5 or 6 years old. I played baseball, basketball, and other team sports when I was young, but I wasn't very good. I tried hard, but always seemed to lag behind the older and bigger kids. And, I always seemed to play the same positions as the coa...
by twindad57
Sat Jun 14, 2014 9:20 pm
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 8641

Re: Convince me to visit Italy

We rented an apartment in Rome overlooking the Piazza Farnese several years ago. Just around the corner is the famous Campo De Fiori with its market. You could easily spend weeks in the neighborhoods near that one section of Rome wandering around, visiting the markets, observing daily life, and enjo...
by twindad57
Wed Jun 04, 2014 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Luxury and Happiness
Replies: 141
Views: 14809

Re: Poll: Luxury and Happiness

I selected sometimes in the poll. When I think about it, the luxuries that have brought me the longest lasting happiness are the simple ones or the ones that are asociated with memorable experiences. In the first category are things like good coffee (brewed at home), farmer's market purchases, expen...
by twindad57
Sun Jun 01, 2014 6:46 pm
Forum: Personal Investments
Topic: Should I Care About M* Style Box?
Replies: 33
Views: 2504

Re: Should I Care About M* Style Box?

Traveling today. Yes, near top of 25%. Based on our estimates I think only thing that would push us over would be the capital gains. We may have some very small short term gains, but they would be less than $500 total. Her Traditional IRA has a large balance as it was rolled when she left employment...
by twindad57
Sun Jun 01, 2014 12:50 pm
Forum: Personal Investments
Topic: Should I Care About M* Style Box?
Replies: 33
Views: 2504

Re: Should I Care About M* Style Box?

I quickly scanned your previous post. Is the money for His IRA and Her IRA still coming from investments you already have listed somewhere in these portfolios? Or is it money from salary or from savings? What's going on with His and Her tIRAs? You mentioned having made non-deductible contributions ...
by twindad57
Sat May 31, 2014 4:34 pm
Forum: Personal Investments
Topic: Should I Care About M* Style Box?
Replies: 33
Views: 2504

Re: Should I Care About M* Style Box?

Is it important to you to have similar individual allocations? For a married couple, we usually just ignore that and set it up by cost and tax-efficiency. However in some cases, particularly second marriages where you want to keep money separate or in the case of inherited money, then 2 separate po...
by twindad57
Sat May 31, 2014 4:17 pm
Forum: Personal Investments
Topic: Should I Care About M* Style Box?
Replies: 33
Views: 2504

Re: Should I Care About M* Style Box?

:shock: Wow, you've done an incredible job so far! I think we can make it even easier for you if you are interested. But to do that, we need to know how things are currently placed. We don't need to know the percentage of every holding (except in taxable), just the relative size of each account in ...
by twindad57
Sat May 31, 2014 2:17 pm
Forum: Personal Investments
Topic: Should I Care About M* Style Box?
Replies: 33
Views: 2504

Re: Should I Care About M* Style Box?

Thanks for all the feedback. I have another post listing my original portfolio (original post.. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=130629 ), so I didn't want to rehash it all here, but to answer some of the questions.... In terms of new TSP money, I have it set up roughly equal ...
by twindad57
Sat May 31, 2014 12:00 pm
Forum: Personal Investments
Topic: Should I Care About M* Style Box?
Replies: 33
Views: 2504

Re: Should I Care About M* Style Box?

Think I got it right this time. Original style box based on current portfolio: Val-Core-Growth 21--38--22 04--04--06 02--02--01 Adjusted style box, removing all C fund holdings and putting them in S fund. Val-Core-Growth 13--38--15 05--06--09 05--05--04 Does this look right? Would this be a smart mo...
by twindad57
Sat May 31, 2014 10:40 am
Forum: Personal Investments
Topic: Should I Care About M* Style Box?
Replies: 33
Views: 2504

Re: Should I Care About M* Style Box?

The overall stock to bond ratio is the most important thing. That is where most of the risk lies. I think it is probably your individual stock that is making the spread lean more toward large cap. If you want to check that, just adjust your percentages and enter everything except the individual sto...
by twindad57
Fri May 30, 2014 4:57 pm
Forum: Personal Investments
Topic: Should I Care About M* Style Box?
Replies: 33
Views: 2504

Re: Should I Care About M* Style Box?

The posted numbers in the OP are atypical of a 3-fund portfolio, so I am wondering if the numbers came from the OP's 3-fund portfolio or from what the advisor had them in. The numbers are based on our current portfolio. We've tried to get close to a 3-fund, but I have a TSP account, and we still ha...
by twindad57
Fri May 30, 2014 10:16 am
Forum: Personal Investments
Topic: Should I Care About M* Style Box?
Replies: 33
Views: 2504

Re: Should I Care About M* Style Box?

Thanks Rick! As part of our plan, I decided to first get us to a 3-fund portfolio, or as close as we could. I was simply getting overwhelmed with information and figured getting to 3-fund was a good first step. It may end up being the final stop or maybe not. I also intend to keep reading with an ey...
by twindad57
Fri May 30, 2014 9:54 am
Forum: Personal Investments
Topic: Should I Care About M* Style Box?
Replies: 33
Views: 2504

Should I Care About M* Style Box?

Thanks to the input from many forum members, we've gotten rid of our financial advisor and converted our holdings to roughly a 3-fund framework, plus some legacy individual stock holdings we intend to pare down over time. Our AA is now 71/29. My question is now that we've done this, I notice our M* ...
by twindad57
Fri May 30, 2014 7:42 am
Forum: Personal Investments
Topic: Question re: Unrealized Gains in Rollover IRA
Replies: 4
Views: 553

Re: Question re: Unrealized Gains in Rollover IRA

There is one tax implication that I know of to buying/selling shares in IRA accounts - they can trigger the wash sale rule. However, selling off those ETFs will not incur a tax on your "gain" of nearly $30k because that gain isn't taxed until withdrawal. Good reminder - thanks! I came up ...
by twindad57
Thu May 29, 2014 10:41 pm
Forum: Personal Investments
Topic: Question re: Unrealized Gains in Rollover IRA
Replies: 4
Views: 553

Re: Question re: Unrealized Gains in Rollover IRA

No tax implications to sell shares in IRA accounts. The rules and taxes for capital gains do not apply in IRA accounts. Taxes are an issue when you withdraw from IRA or convert from IRA to Roth IRA and assuming the IRA is entirely pretax, every dollar withdrawn or converted is taxable not just the ...
by twindad57
Thu May 29, 2014 10:13 pm
Forum: Personal Investments
Topic: Question re: Unrealized Gains in Rollover IRA
Replies: 4
Views: 553

Question re: Unrealized Gains in Rollover IRA

Nearly finished converting our portfolio to something resembling a 3-fund. However, my wife holds two sector ETFs (Consumer Staples-XLP and Healthcare Select-XLV) in a Rollover IRA account. Together they have unrealized gains of nearly $30,000. Do I have to worry about these gains since the ETFs are...
by twindad57
Sat May 24, 2014 1:29 pm
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 16783

Re: Worst "Large purchase" ever?

1996 Nissan Maxima. Purchased new for about $25,000. Financed it, so the payments were $435 a month for 60 months. I was only 25 years old, making about $40,000 per year. I got a bad deal on the car, it turned out to be a lemon, and my wife at the time who convinced me to buy the car, walked out 3 m...
by twindad57
Sat May 24, 2014 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Child Care - 2 or More Children and Strategies to Pay
Replies: 46
Views: 6215

Re: Child Care - 2 or More Children and Strategies to Pay

I should also mention my screen name is meant to point out I am the father of twins with a goal retirement age of 57. Had I joined this community prior to the children being born my screen name might've been dink50, so they've definitely helped 'adjust' our plans!
by twindad57
Sat May 24, 2014 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Child Care - 2 or More Children and Strategies to Pay
Replies: 46
Views: 6215

Re: Child Care - 2 or More Children and Strategies to Pay

Twindad, it seems the key is to be sure your PITI is <25% of take home, would you agree? Otherwise I can't see how the numbers work I think that's about right although we're slightly above that number. And that has become our 'issue' of late. We live in New Orleans where taxes and insurance are rea...
by twindad57
Sat May 24, 2014 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Child Care - 2 or More Children and Strategies to Pay
Replies: 46
Views: 6215

Re: Child Care - 2 or More Children and Strategies to Pay

We have 2.5 year old twins which were born when I was 40 and wife was 41. We were in process of moving for my job, so my wife left her job at that time. It also meant we lost 45% of our income in making that decision. At this point I would say it's been difficult in a lot of ways, but still good. My...