Search found 399 matches

by hulburt1
Fri May 29, 2020 10:38 am
Forum: Personal Investments
Topic: How to invest for the next 20 years?
Replies: 13
Views: 1012

Re: How to invest for the next 20 years?

If you divide 600000 by 20 you will have your money 30000 a year. Do a annuity they have it plus they will be giving you your money to live on. If you die who gets the money? and can you get that money with out cost?
by hulburt1
Fri May 29, 2020 10:32 am
Forum: Personal Investments
Topic: How to invest for the next 20 years?
Replies: 13
Views: 1012

Re: How to invest for the next 20 years?

You have SS.. You need 30000 a year. I would and did myself put 5 years in cash. (150000) the rest would be in S&P. I look at my S&P once a year and see how it did and move the increase to my MM. your tax's will be 0. Your S&P should kick out about 27000 a year. You don't have to move all, If you ma...
by hulburt1
Thu May 28, 2020 10:58 am
Forum: Investing - Theory, News & General
Topic: Roth + Time vs Pretax + tax
Replies: 88
Views: 4577

Re: Roth + Time vs Pretax + tax

3 things-RMD at 72-SS will add to income and in 5 years your tax's will go up it's in the law. I'm 67 those tax's are going to hurt more then you think, So a Roth now my help with the hurt. Take a look at RMD for 1m..at 72 its not bad but at 77 it will really hurt. With pension, Ira-RMD, SS and the ...
by hulburt1
Sat May 23, 2020 12:46 pm
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 97
Views: 7463

Re: NJ property taxes too high. What are my alternative states?

Stay. You voted for the folks that raised your tax's. Live with it.
by hulburt1
Tue May 19, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Need money from your retirement fund? Vanguard advises taking loans instead of withdrawals.
Replies: 7
Views: 917

Re: Need money from your retirement fund? Vanguard advises taking loans instead of withdrawals.

I have 1.2m in Ira and 200000 in Roth. I can not work because of the Vires. I have been sending 30000 from Ira to Roth for 5 years. My house is paid off. What I do not pay back in the loan in 3 year I just pay the tax on that. I can give my wife 120000 from my Ira (QDRO) and be done. This loan has n...
by hulburt1
Tue May 19, 2020 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Need money from your retirement fund? Vanguard advises taking loans instead of withdrawals.
Replies: 7
Views: 917

Need money from your retirement fund? Vanguard advises taking loans instead of withdrawals.

I need $100000. I'm 67 should I take a vires loan from my Ira. You do not pay tax's for 3 years. You can pay it back and not pay tax. It is interested free and will not cost anything if paid back on time. What is not paid will be taxed. I have cash sitting in my MM and not making anything. Would it ...
by hulburt1
Thu May 14, 2020 9:16 am
Forum: Personal Investments
Topic: Low risk vanguard fund for short term?
Replies: 18
Views: 1368

Re: Low risk vanguard fund for short term?

I have won the game, I have 500000 in s%p 680000cash. I'm going to leave 140000 in cash for 3 years to get me to 70 and SS. what bond or just leave in cash for 3 years the money I don't need for 3 years. Has anyone looked at stars fund? Thanks I'm 67 thanks, bonds just scare me.
by hulburt1
Tue May 12, 2020 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Setting up wife after devorce
Replies: 45
Views: 5909

Re: Setting up wife after devorce

Thanks for all the caring.
by hulburt1
Sun May 10, 2020 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up wife after devorce
Replies: 45
Views: 5909

Re: Setting up wife after devorce

We will have about 1m each. In Oregon you can do it on line. We have worked this out over the last 2 months. She is a very good person. No one else is in the picture. We are going to do it together and take it in or will send it in. We have dinner twice a week and she was over today. We just need to...
by hulburt1
Sun May 10, 2020 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up wife after devorce
Replies: 45
Views: 5909

Setting up wife after devorce

My wife of 41 years has decided to split. She is 64. We are good friends and I want her to make it. I'm giving her 120000 from my Ira to hers, I' also paying off 60000 in loans that I did not know about. This is one reason we are going separate ways. You think this is a good plan for her. 320000 in ...
by hulburt1
Mon Apr 27, 2020 3:21 pm
Forum: Investing - Theory, News & General
Topic: Bonds won't get you anywhere!
Replies: 85
Views: 9045

Re: Bonds won't get you anywhere!

I'm all set have 3 years cash, 650000 in stocks now bonds I want to open up a bond fund and add to it weekly the goal for the money is use it in 3 to +5 years, I'm stating with 10000. and will add 1000 a week. have 400000 in cash that I'll start moving in. What fund would you put in. I won the game ...
by hulburt1
Mon Apr 27, 2020 8:48 am
Forum: Personal Investments
Topic: 90% Bond 401k is up 3.2% Year to date, AA 30-40% Stocks Am I still Stupid?
Replies: 7
Views: 738

Re: 90% Bond 401k is up 3.2% Year to date, AA 30-40% Stocks Am I still Stupid?

I'm going to follow you. I'm trying to change after being 97% in the market for 40 years. I sold 2 months ago have 1.3 cash. Bond I'm 67 now and will wait until 70 for SS. You getting information that is helping me Thanks.
by hulburt1
Sat Apr 25, 2020 11:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new forecast from Christine Benz
Replies: 38
Views: 6693

Re: Vanguard's new forecast from Christine Benz

So last year I was up 33% so I made up 5 years. I was all in Vanguard. No one no's no's
I forecast that If you die tomorrow and had all your money in the S%P. In 10 years you have made close to 8% and you would be dead. So don't move your money from S&P>
by hulburt1
Fri Apr 24, 2020 2:17 pm
Forum: Investing - Theory, News & General
Topic: Bonds won't get you anywhere!
Replies: 85
Views: 9045

Re: Bonds won't get you anywhere!

I need some help. I'm 67. I have been in the market for 45 years. 97/3 cash. I sold everything 2 months ago. (1.2m) live on 3000 a month. I'm back to 50/50 600000 cash. I will need 120000 for next 3 years to get SS. 200000 Roth and the rest is Ira. next 3 years 120000 cash. what you do with the 4800...
by hulburt1
Thu Apr 16, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Tax planning
Replies: 38
Views: 2514

Re: Retirement Tax planning

Can you give 15000 a year to your sister and have her pay the tax? Can you move money from your Ira to you sister Ira and have her pay the tax as a gift. Mine live in Texas 0 tax and I live in Oregon 9%. She is at 12% and I'm at 22% Fed. Thanks
she is 64 I'm 67.
by hulburt1
Sun Apr 12, 2020 10:18 am
Forum: Personal Investments
Topic: What single individual stock would you buy?
Replies: 133
Views: 10000

Re: What single individual stock would you buy?

facebook-bought at 50 sold at 200 and just bought at 150.
by hulburt1
Sun Apr 12, 2020 10:05 am
Forum: Personal Investments
Topic: Retirement Strategy and Planning
Replies: 16
Views: 1978

Re: Retirement Strategy and Planning

deikel-what bond fund would you use for the 5-7 year bonds.
by hulburt1
Thu Apr 02, 2020 2:13 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe - "What If I've Over Estimated My Tolerance For Risk?"
Replies: 44
Views: 5518

Re: Larry Swedroe - "What If I've Over Estimated My Tolerance For Risk?"

45 years 95-100% stocks. at 67 I did not want to start over so in one day went 95% cash. I have enough cash to live on the rest of my life or 110 which ever comes first. I still have SS at 70 and I have a fun job coaching HS track and x-c kids. Last year made 350000 this year only down 90000. I coul...
by hulburt1
Sat Mar 28, 2020 12:42 pm
Forum: Investing - Theory, News & General
Topic: Why do you hold bonds in your portfolio?
Replies: 296
Views: 22430

Re: Why do you hold bonds in your portfolio?

How do you feel about (Vanguard Mortgage-Backed Securities Index Fund Admiral Shares) in a IRA or Roth. 3 years hold. I have never held bonds. I'm 67 and sold everything after 45 in stocks. so I'm sitting with 1.2m. would buy about 150000, rest will be cash and stocks. Yes I was scared to stay the c...
by hulburt1
Thu Mar 26, 2020 5:52 pm
Forum: Personal Investments
Topic: SP500 Index fund will outperform total stock market?
Replies: 51
Views: 5757

Re: SP500 Index fund will outperform total stock market?

If I put 1m in the top 5 equally and 1m in s&p and 1m in total-Which one would be ahead in 5 years?
by hulburt1
Wed Mar 25, 2020 12:31 pm
Forum: Personal Investments
Topic: Sell all shares in Roth IRA to avoid a wash sale?
Replies: 65
Views: 2290

Re: Sell all shares in Roth IRA to avoid a wash sale?

I know nothing. I sold Facebook at a big win bought at 50 sold at 199. I want to buy now and sell at the end of the day. is this a wash sell. There in my Roth and Ira. I no this is a nono here.
by hulburt1
Sat Feb 29, 2020 5:01 pm
Forum: Personal Investments
Topic: Sell now and start buying back in 3 months
Replies: 80
Views: 6131

Re: Sell now and start buying back in 3 months

Have 1.2m I have sold 1/2 of it it's in MM. I have been thinking of sale all but my Roth. I will start dollar cost in about 2 week. I might miss out I might not but at 67 I can live the rest of my life on 1.2m and SS that I will take at 70. I will move it to S&P and face book. I live on 36000 a year...
by hulburt1
Sat Feb 29, 2020 8:29 am
Forum: Investing - Theory, News & General
Topic: If you have won the game, how much risk do you take?
Replies: 78
Views: 7038

Re: If you have won the game, how much risk do you take?

Been 95% in the stock market for 40 years. I just sold what I need for the rest of my life. Now I'm 63/37. 1/2m what bond fund would you put it in? I'm 67 this year. I still have SS coming in 3 years. I have not owned bond. I'm in cash right now. I live on about $36000 a year. thanks
by hulburt1
Sun Feb 02, 2020 10:16 pm
Forum: Personal Investments
Topic: Want my ex to be ok for next 20 years
Replies: 22
Views: 3610

Re: Want my ex to be ok for next 20 years

Wife is here watching football with me. I will die and give 1/2m to her and the rest to my boys. I'm 67 and she is 63. I will walk her to her car give her good night kiss. 41 years was long enough must move on. No hate just want her to be ok. So I ask the people that have helped me in the pass.
by hulburt1
Sun Feb 02, 2020 12:46 pm
Forum: Personal Investments
Topic: Want my ex to be ok for next 20 years
Replies: 22
Views: 3610

Want my ex to be ok for next 20 years

What would you do with my ex wife accounts with vanguard. She has 1m is 63 and has not taken SS. What would you have her in to make about 50000 a year? Should she take SS? would be 1800 a month. Thanks.
by hulburt1
Mon Jan 20, 2020 6:01 pm
Forum: Personal Investments
Topic: How many months expenses held in cash in reirement
Replies: 46
Views: 2722

Re: How many months expenses held in cash in reirement

I'll be 67 this year. I have 3 years in mm with vanguard. I have 780 every week to my checking. When the next cash come in I move what I did not spend to savings for tax's and car or house repair. I will take SS at 70. Every year around the first I'll put 50000 to 60000 in MM selling funds. I have b...
by hulburt1
Sat Jan 18, 2020 12:49 pm
Forum: Personal Investments
Topic: Wife left
Replies: 43
Views: 9205

Re: Wife left

Thanks all. She wants what's inside the home plus car. I feel pertly good about the 170000. the house could be less then 400000.
We both will be in good shape going on from here.
by hulburt1
Sat Jan 18, 2020 12:30 pm
Forum: Personal Investments
Topic: Wife left
Replies: 43
Views: 9205

Re: Wife left

We have no lawyers. In Oregon you can do it on the internet and send it to the court. I'm really thinking with Ira to Ira. I will not need to pay the tax's. I already talked to Vanguard and my wife. We meet about everyday. There is not hate between us.
by hulburt1
Fri Jan 17, 2020 11:31 pm
Forum: Personal Investments
Topic: Wife left
Replies: 43
Views: 9205

Wife left

41 years marred we are separating on good terms. Both have 1m+ She would like money for part of house House paid off $400000 I can move 170.000 to her Ira from my Ira, I could get a loan at 4% for 170000 which is about +1100 a month for 15 years. If I move to her Ira from my Ira. I lose the Investme...
by hulburt1
Sun Dec 22, 2019 12:30 pm
Forum: Personal Investments
Topic: reduce taxable account
Replies: 8
Views: 889

Re: reduce taxable account

Do what my wife just did. Get a divorce and demand you Ira. After she spent close to 255000 in 2 years. :oops:
by hulburt1
Tue Dec 17, 2019 10:39 pm
Forum: Personal Investments
Topic: Vanguard Healthcare (VGHCX) Big loss today
Replies: 15
Views: 1554

Re: Vanguard Healthcare (VGHCX) Big loss today

in 4 to 5 days it will be added back in.
by hulburt1
Tue Dec 17, 2019 10:32 pm
Forum: Personal Investments
Topic: Vanguard Healthcare (VGHCX) Big loss today
Replies: 15
Views: 1554

Re: Vanguard Healthcare (VGHCX) Big loss today

dividends. prime cap went down big also. both pay big dividends.
by hulburt1
Sat Dec 07, 2019 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Do annuities have a higher payout than SWR?
Replies: 53
Views: 3722

Re: Do annuities have a higher payout than SWR?

So I have 1m and the annuity will pay me about $50000 for life. I will need to pay tax on that because its in my Ira. This year I made 290000 from my mutual funds. In one year I made 6 years of what my annuity would have payed me. If I die next month the insurance company would walk with my million....
by hulburt1
Fri Nov 29, 2019 6:14 pm
Forum: Investing - Theory, News & General
Topic: Can one have too much Roth?
Replies: 175
Views: 15620

Re: Can one have too much Roth?

thanks
by hulburt1
Fri Nov 29, 2019 12:57 pm
Forum: Investing - Theory, News & General
Topic: Can one have too much Roth?
Replies: 175
Views: 15620

Re: Can one have too much Roth?

I'm 67 have 1.2m and a roth with 200000. I'm in the low 22%--because of moving Ira to Roth. right now I spend 36000 a year and put $40000 to Roth. My Ira has grown by $240000 this year. But at 70 I'll have a income with Ira, SS, pension and little fun job I will make $100000 a year. which is 24 tax ...
by hulburt1
Sat Nov 23, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Help: Husband's Surprise Debts
Replies: 183
Views: 19683

Re: Help: Husband's Surprise Debts

You can go and get it written up that you are not responsible for any of his debt. then get a separation and do separate tax's.
Freeze everything. Basically you can be roommates.
by hulburt1
Thu Nov 07, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Best month to take RMDs?
Replies: 86
Views: 5024

Re: Best month to take RMDs?

In 3 years I will have RMD. Right now I have 800 a week sent to me from my IRA. Will I really need to do anything different?
Do I need to let Van or IRS know that It is a RMD.
by hulburt1
Mon Oct 14, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: What’s the proper way to pay yourself in retirement?
Replies: 66
Views: 9071

Re: What’s the proper way to pay yourself in retirement?

At 70 1/2 can I have RMD just put into My Roth after tax's? I might still be doing a part time job.
by hulburt1
Sun Oct 06, 2019 7:00 pm
Forum: Personal Investments
Topic: Retiree income- file for SS early or draw from IRA first?
Replies: 19
Views: 2008

Re: Retiree income- file for SS early or draw from IRA first?

You can start ss anytime, but can not stop it. The market is doing very well but if it takes a 50% dive you could start you SS and be ok. SS is my back up plan. Even with taking money out of my IRA I'm up for the last 10 years. That SS check is going to very nice at 70. 3 years from now. I'm using m...
by hulburt1
Thu Sep 26, 2019 12:05 pm
Forum: Personal Investments
Topic: is it time to move 2 funds
Replies: 4
Views: 602

Re: is it time to move 2 funds

1.1 Ira, Roth is 200000 or so. face book is in both. I'm moving up to 22% tax to put more in Roth. I do not need to cash out any money until I'm 70. My SS will kick in then. Dividends are just reinvested. Should I just go to S%P and Total. my health fund and Prime cape have not done that well for th...
by hulburt1
Thu Sep 26, 2019 8:06 am
Forum: Personal Investments
Topic: is it time to move 2 funds
Replies: 4
Views: 602

is it time to move 2 funds

I bought these at ground floor. I'm ready to make a small move, I'm thing of only have Vanguard 500 Index Fund Adm Vanguard Total Stock Mkt Idx Adm. I have 1.2m and have cash until 70 then SS kicks. I do have $200000 of face book. bought at $50. I will not go to bonds. I started at 22 and have inves...
by hulburt1
Thu Sep 05, 2019 12:05 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Contest -- "Wall Street has no idea how stocks will end 2019, with forecasts ranging from down 5% to up 11%"
Replies: 27
Views: 2959

Re: Boglehead Contest -- "Wall Street has no idea how stocks will end 2019, with forecasts ranging from down 5% to up 11

I'm not as smart as everyone in here but I'm up 17% or 190000 for the year. That's 3 1/2 years of living expenses. The best way to manage your money is act like your dead and leave it alone. I don't buy that age thing with my retirement or % living. At 66 I'm at 93% stocks and 7% cash. I live on $25...
by hulburt1
Wed Aug 28, 2019 7:32 am
Forum: Personal Investments
Topic: Roth Conversions into next tax bracket
Replies: 13
Views: 1043

Re: Roth Conversions into next tax bracket

One of the thing I did this year was when the market was down I transfer some Ira S&P to Roth and I'm now up 10% after tax's payed. I have thought about going up to 24% of my 1m in the next drop of 25%. These are the best bracket we will ever get. In 10 years we will only dream of these brackets. I'...
by hulburt1
Wed Aug 28, 2019 7:08 am
Forum: Personal Investments
Topic: 3.7 ml and 60/40. Retiring 10/2020. AA 60/40 but 0 Treasuries
Replies: 28
Views: 3556

Re: 3.7 ml and 60/40. Retiring 10/2020. AA 60/40 but 0 Treasuries

If you put all your money in MM you would have enough money to take out $80000 a year for 46 years. not counting SS. That's how I look at my retirement. I'm 93% in stocks--total and S&P cash 7%. I'm not a big spender about 40000 a years. I'm at 1.3m I'm 66. I'm up $150000 this year already. What I m...
by hulburt1
Thu Aug 22, 2019 1:23 pm
Forum: Personal Investments
Topic: Anyone else more aggressive in retirement than required?
Replies: 52
Views: 4706

Re: Anyone else more aggressive in retirement than required?

66 here 93/7..I will take SS at 70. If I lost everything I could still live nice..have 1.3m and spend 2400 a month.
by hulburt1
Sun Aug 11, 2019 9:02 pm
Forum: Personal Investments
Topic: Withdrawals During Retirement - Yearly, Quarterly, Monthly?
Replies: 51
Views: 7939

Re: Withdrawals During Retirement - Yearly, Quarterly, Monthly?

I like a weekly check sent to my bank from Van. MM. What is left over from last week go's to saving. In Dec. I look at what I've saved and stop having the sent weekly until I use up some of that saving. I might look at a car or RV. Will pay cash from saving. I'm 66 and have don it that way for 11 ye...
by hulburt1
Wed Jul 24, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: Accord approaching 100k miles, how to push it beyond
Replies: 45
Views: 5475

Re: Accord approaching 100k miles, how to push it beyond

2004 civic..190000 will not stop. I have a car all pick out when it's time. Well that was 2015 maybe next year. Mine is using oil about a quart every 3 weeks. so my cost is $3.99 for oil. :sharebeer
by hulburt1
Mon Jul 08, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce and pension/401k/IRA split
Replies: 31
Views: 3018

Re: Divorce and pension/401k/IRA split

Yours is yours and that that. If you wait too long she will get a lawyer and her new boy friend might want more then your wife. Meet with her this week and have a plan she will not reject. Get the papers in next Mon. You will be sorry if you try to take her back.
by hulburt1
Thu May 16, 2019 7:38 am
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 129
Views: 9343

Re: Did you buy the 600+ dip last week ?

When the market drops 15% I will do a Roth conversation. In Dec, I did one and felt it was a way to come out a head. I'm at 12% tax I exchanges my Ira S&P to My Roth S&P. About $30000. I have 4 years to 70 and I can see a real tax bite coming my way. :sharebeer