Search found 711 matches

by riptide
Tue Jul 10, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: How's this simple portfolio investors?
Replies: 3
Views: 289

How's this simple portfolio investors?

Simple, 5 fund portfolio, modified over the years. Boring, Vanguard Admiral Index Funds. I miss holding Norfolk Southern and Dominion Power, although they are both in the VTSAX fund. Special thanks to NedSaid, and the others that helped me come around to this boring investing and focus on what matte...
by riptide
Fri May 04, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Sad because I did not know what I was doing with inheritance
Replies: 34
Views: 7355

Re: Sad because I did not know what I was doing with inheritance

I often am sad when I think of the money I lost in 2008 with the inheritance I received. Riptide, Here's another viewpoint. Money is fungible. That means if you have $x, it doesn't matter if it came from your retirement account, the lottery, the money you are saving up for a house down payment, or ...
by riptide
Mon Apr 02, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Sad because I did not know what I was doing with inheritance
Replies: 34
Views: 7355

Re: Sad because I did not know what I was doing with inheritance

I often am sad when I think of the money I lost in 2008 with the inheritance I received. My sister and I both received a very nice inheritance upon the death of both our parents. Let it be known, we would rather have them here with us, than have the money. Back in 2008, I had no idea what I was doi...
by riptide
Mon Apr 02, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Sad because I did not know what I was doing with inheritance
Replies: 34
Views: 7355

Re: Sad because I did not know what I was doing with inheritance

Thank you both for the encouragement and life stories, very sad story about the lady friend of yours. I live and learn, and move on. I am very thankful for what I have. I have a picture up in my new house of my parents, because their money gave me the house anyway. I have a Master's degree, TSP, a F...
by riptide
Mon Apr 02, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Sad because I did not know what I was doing with inheritance
Replies: 34
Views: 7355

Sad because I did not know what I was doing with inheritance

I often am sad when I think of the money I lost in 2008 with the inheritance I received. My sister and I both received a very nice inheritance upon the death of both our parents. Let it be known, we would rather have them here with us, than have the money. Back in 2008, I had no idea what I was doin...
by riptide
Wed Mar 28, 2018 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Receive dividends from Index funds?
Replies: 23
Views: 2094

Re: Receive dividends from Index funds?

I have a simple 5 fund portfolio similar to the easy portfolios. See below. My question is currently, I could really use the dividends from the index funds, in another year I should be better off and not really need them. They are I guess I could receive about $500 a quarter from the dividends. It ...
by riptide
Wed Mar 28, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Receive dividends from Index funds?
Replies: 23
Views: 2094

Re: Receive dividends from Index funds?

This is a brokerage account, not my retirement account. I have TSP and a pension for retirement with the Federal Govt. This is my brokerage account that I take money when needed, and will leave most of it to my children I hope. What I mean is I re-invest the dividends now. I could opt to receive ca...
by riptide
Wed Mar 28, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Receive dividends from Index funds?
Replies: 23
Views: 2094

Re: Receive dividends from Index funds?

What I mean is I re-invest the dividends now.
I could opt to receive cash quarterly rather than re-invest the dividends.
I can't explain it any easier than that :shock:
by riptide
Wed Mar 28, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Receive dividends from Index funds?
Replies: 23
Views: 2094

Re: Receive dividends from Index funds?

I have always re-invested the dividends, and want to know if it would not be a good idea to receive dividends for a year or so. In a non-retirement account it is usually better to take dividends and cap gains in cash, then decide what to do with the $$$ after that. This is a brokerage account, not ...
by riptide
Wed Mar 28, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Receive dividends from Index funds?
Replies: 23
Views: 2094

Re: Receive dividends from Index funds?

I have a simple 5 fund portfolio similar to the easy portfolios. See below. My question is currently, I could really use the dividends from the index funds, in another year I should be better off and not really need them. They are I guess I could receive about $500 a quarter from the dividends. It ...
by riptide
Wed Mar 28, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Receive dividends from Index funds?
Replies: 23
Views: 2094

Receive dividends from Index funds?

I have a simple 5 fund portfolio similar to the easy portfolios. See below. My question is currently, I could really use the dividends from the index funds, in another year I should be better off and not really need them. They are I guess I could receive about $500 a quarter from the dividends. It i...
by riptide
Tue Mar 20, 2018 7:01 am
Forum: Personal Finance (Not Investing)
Topic: need $5000.00 , take from U.S. treasury bonds or brokerage account
Replies: 10
Views: 859

Re: need $5000.00 , take from U.S. treasury bonds or brokerage account

The Treasury bonds are EE Series 30 year Treasury Bonds that mature in 2022. The face value of each when purchased was $5000.00. They have grown over twenty something years. I sold only 1 of 6 and it made my federal tax go up is all I am saying. I have an accountant I go to each year for taxes, and ...
by riptide
Mon Mar 19, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: need $5000.00 , take from U.S. treasury bonds or brokerage account
Replies: 10
Views: 859

Re: need $5000.00 , take from U.S. treasury bonds or brokerage account

Thanks much for all the helpful replies!! To add the tax is correct for sure...I owe 2600.00 on the second property I rent out! And, $1700.00 Federal taxes for selling the treasury bond (I sold one of 6, each holds about $8,200.00 currently). I have five left, which total around $42,000 currently. I...
by riptide
Mon Mar 19, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: need $5000.00 , take from U.S. treasury bonds or brokerage account
Replies: 10
Views: 859

need $5000.00 , take from U.S. treasury bonds or brokerage account

I need to pay property tax on my rental and I owe Federal taxes amounting total to around $5000.00 The reason I owe federal taxes is because I sold one Treasury Bond last year! They are heavily taxed when you cash them out! I would have broke even or even received a federal refund if I did not sell ...
by riptide
Fri Feb 02, 2018 1:20 pm
Forum: Forum Issues and Administration
Topic: Posting Photo
Replies: 22
Views: 2601

Re: Posting Photo

I am trying to post a chart that I made showing my portfolio in a pie. I give up, you cannot import and image here to this archaic site.
by riptide
Fri Jan 12, 2018 10:53 am
Forum: Forum Issues and Administration
Topic: Posting Photo
Replies: 22
Views: 2601

Re: Posting Photo

Leesbro63 wrote:
Sat Nov 04, 2017 11:04 am
I give up. Frankly it would be nice if they could upgrade this software so mortals can post a photo!
I agree! I have tried countless times to post a photo, and have given up. I wish they would update the site !!
by riptide
Tue Oct 03, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Go to cash now or in late December when i need the cash
Replies: 28
Views: 2388

Re: Go to cash now or in late December when i need the cash

My home loan is already approved, just waiting for the house to finish in late December for closing. I already have 90% of the down payment sitting in a money market gaining nothing. I only need $7500-10,000 to add a bit to the down payment. I have come to the conclusion there is nowhere to put mone...
by riptide
Mon Oct 02, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Go to cash now or in late December when i need the cash
Replies: 28
Views: 2388

Re: Go to cash now or in late December when i need the cash

What are the consequences if you wait until you need it but there is a 50% drop in the market before then? Is this $7-10k from a $1million account or a $20k account? It will be coming from a $190,000 Brokerage account. As well, I will be taking it proportionately to keep my same asset allocation ac...
by riptide
Mon Oct 02, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Go to cash now or in late December when i need the cash
Replies: 28
Views: 2388

Go to cash now or in late December when i need the cash

I have decided (with helpful advice) to take money I need to assist with the down payment, flooring, and blinds from my Brokerage account. I will need around $7500- 10,000 from the account. I can sell now and hold as cash for 3 months, or wait until late December and then go to cash. I know it is cr...
by riptide
Mon Sep 25, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing into U.S.Stocks
Replies: 31
Views: 3086

Re: Rebalancing into U.S.Stocks

Isn't there something to be said for the argument of Buy & Hold for 20 years. I also don't want to take away from international at this point either, why rebalance when the fund keeps slowly going up. Why stop the momentum? I often want to just leave my portfolio alone, and not rebalance. If you hav...
by riptide
Fri Sep 22, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: where to put $60,000 for three months...
Replies: 14
Views: 1516

Re: where to put $60,000 for three months...

Thanks everybody! I will look up Ally, maybe leave it alone unfortunately, so the mortgage company can see the money is there for the down payment if they are checking two months back...
by riptide
Fri Sep 22, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: where to put $60,000 for three months...
Replies: 14
Views: 1516

where to put $60,000 for three months...

Short term bond? I want to make some money off the $60,000 going to a house down payment. I will need it in 3 months. It just sits in money market account gaining nothing...
by riptide
Wed Sep 20, 2017 8:24 am
Forum: Investing - Theory, News & General
Topic: Federal Reserve September 2017 meeting
Replies: 5
Views: 963

Federal Reserve September 2017 meeting

Please explain what this weeks Federal Reserve meeting may have on stocks and bonds. Thank you.
by riptide
Thu Sep 14, 2017 11:55 am
Forum: Investing - Theory, News & General
Topic: short term investment instead of money market...
Replies: 11
Views: 1609

Re: short term investment instead of money market...

Thanks, I will hold them until maturity, unless I need them for an emergency.
I hate to take from the Brokerage account, but I have no other options...
by riptide
Thu Sep 14, 2017 11:11 am
Forum: Investing - Theory, News & General
Topic: short term investment instead of money market...
Replies: 11
Views: 1609

Re: short term investment instead of money market...

I would take it from the brokerage account. While the EE's are currently worth $7,500, in 2022, exactly 5 years from now (assuming it matures in September 2022) the bond will each be worth $15,000. That is a 15% yield to maturity. No way, would I cash those bonds in, that is a guaranteed return, th...
by riptide
Fri Sep 08, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: short term investment instead of money market...
Replies: 11
Views: 1609

Re: short term investment instead of money market...

I would take it from the brokerage account. While the EE's are currently worth $7,500, in 2022, exactly 5 years from now (assuming it matures in September 2022) the bond will each be worth $15,000. That is a 15% yield to maturity. No way, would I cash those bonds in, that is a guaranteed return, th...
by riptide
Thu Sep 07, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: short term investment instead of money market...
Replies: 11
Views: 1609

Re: short term investment instead of money market...

Thanks man will do,
What about a place to put the $60,000 for 3 months?!
by riptide
Thu Sep 07, 2017 2:08 pm
Forum: Investing - Theory, News & General
Topic: short term investment instead of money market...
Replies: 11
Views: 1609

short term investment instead of money market...

I am waiting for my home to be built, it is now delayed until the end of December 2017. $60,000 sitting in money market gaining nothing. I almost invested it all in VTSAX and then would need it again the end of December. I hate just letting it sit there gaining nothing in interest. Now, the house wa...
by riptide
Mon Aug 14, 2017 7:02 am
Forum: Investing - Help with Personal Investments
Topic: ok to switch VTIAX (international index) for VUVLX?
Replies: 18
Views: 2369

Re: ok to switch VTIAX (international index) for VUVLX?

DRK, I bought .06 percent of my portfolio to Norfolk Southern RR.
I now have 99.4 index funds, and .06 equity - Norfolk Southern RR.
by riptide
Fri Aug 11, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: ok to switch VTIAX (international index) for VUVLX?
Replies: 18
Views: 2369

Re: ok to switch VTIAX (international index) for VUVLX?

Ok, .5% to Norfolk Southern or VUVLX then!
by riptide
Thu Aug 10, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: ok to switch VTIAX (international index) for VUVLX?
Replies: 18
Views: 2369

Re: ok to switch VTIAX (international index) for VUVLX?

Riptide, why do you want to switch out of International Stocks? 2017 has been a very good year for International so far. If you believe in reversion to the mean, this would suggest that at some point, International will enter a period of outperforming US Stocks. Plus it is a good time to purchase I...
by riptide
Wed Aug 09, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Do you hold your VG mutual funds with VG Group or VG Brokerage?
Replies: 19
Views: 1888

Re: Do you hold your VG mutual funds with VG Group or VG Brokerage?

I have my VG index funds in a separate Brokerage , Cuna Brokerage. Very reasonable , low transactions fees, free exchanges within Vanguard funds, trustworthy brokerage.
by riptide
Wed Aug 09, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Invest in U.S. ETFs Now?
Replies: 25
Views: 2616

Re: Invest in U.S. ETFs Now?

Isn't this wise, not to buy when stocks are at all time highs and expensive?! Why not wait until stocks are cheaper, when there is a drop? Why not, this is smart it seems. Always telling somebody to buy whenever seems a disfavor, it sure is better to buy when things are cheap, and sell when they are...
by riptide
Mon Aug 07, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: ok to switch VTIAX (international index) for VUVLX?
Replies: 18
Views: 2369

Re: ok to switch VTIAX (international index) for VUVLX?

Riptide, why do you want to switch out of International Stocks? 2017 has been a very good year for International so far. If you believe in reversion to the mean, this would suggest that at some point, International will enter a period of outperforming US Stocks. Plus it is a good time to purchase I...
by riptide
Fri Aug 04, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: ok to switch VTIAX (international index) for VUVLX?
Replies: 18
Views: 2369

ok to switch VTIAX (international index) for VUVLX?

I wanted to experiment and possibly use an active managed fund to see performance versus my self managed vanguard index funds. Never fond of International Funds, I was considering exchanging my VTIAX for VUVLX Vanguard Large Cap Value Fund ? I would directly exchange my 12% International fund below ...
by riptide
Fri Jun 16, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: putting more than 20% down on new home purchase
Replies: 41
Views: 6442

Re: putting more than 20% down on new home purchase

Can you negotiate that price down? Or perhaps make less expensive design choices. The most important things to you at least per your post are the amenities (pool, playground) and your mortgage payment. So skip the pricier options: fireplace, island,deck or what have you. You can always upgrade late...
by riptide
Fri Jun 16, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: putting more than 20% down on new home purchase
Replies: 41
Views: 6442

Re: putting more than 20% down on new home purchase

The home is around $325,000 - $337,000, depending on options. The closing costs are covered by the developer's bank that I will use ($6000.00) . Further, they will give me credit for being one of the first buyers ($5.000) and ($2500.00) Hometown Heroes program). I will have close to $100,000 to put...
by riptide
Thu Jun 15, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: putting more than 20% down on new home purchase
Replies: 41
Views: 6442

Re: putting more than 20% down on new home purchase

I need $15,000 more now to put down, because the house is more after the options (design center), do I sell two of my EE Treasury Bonds, which is $150,00 or take $15,000 from my Brokerage Investment?? The EE bonds return more than the market rate on investments (see upthread). Therefore, you should...
by riptide
Wed Jun 14, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: putting more than 20% down on new home purchase
Replies: 41
Views: 6442

Re: putting more than 20% down on new home purchase

I need $15,000 more now to put down, because the house is more after the options (design center), do I sell two of my EE Treasury Bonds, which is $150,00 or take $15,000 from my Brokerage Investment?? The house is brand new, a new neighborhood, was $331,500. The house is now $350,000 and I need to p...
by riptide
Thu Jun 01, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 6357

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

I think you can put a portion , a slice of the pie, into investing in real estate. Such negative comments in here. Nothing wrong with getting a house for investments, you can gain a lot or lose a lot, just like the market. It's just balancing and don't put all your investments in one basket. I have ...
by riptide
Thu Jun 01, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: putting more than 20% down on new home purchase
Replies: 41
Views: 6442

Re: putting more than 20% down on new home purchase

Thanks everybody, and thanks Klangfool. I have chosen to put down 25% and stick with that, this will leave me with cash from the sale of the home to use during the next two years. I will not tie all my money up. The monthly payment will be more per month than I paid before, but the house and neighbo...
by riptide
Wed May 03, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to Apartment
Replies: 25
Views: 4107

Re: Downsizing to Apartment

I am going from a 2500 sq. ft. 3 story home to a 800 sq ft. apartment for 6 months after divorce. My rent is higher than my mortgage payment, but I will try to enjoy it here.
by riptide
Tue May 02, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: putting more than 20% down on new home purchase
Replies: 41
Views: 6442

Re: putting more than 20% down on new home purchase

The Treasury bonds are EE Savings Bonds 30 year. They mature in 2022 after 30 years from the purchase date (1992). Very thankful to my parents for this. They are held at Treasury Direct, and I was told they are at 4%. These bonds are worth holding, rather than paying down the mortgage. The key is t...
by riptide
Fri Apr 28, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Sell Condo or Rent it out
Replies: 16
Views: 1867

Re: Sell Condo or Rent it out

I have a townhome, that I am the landlord of. If you were staying in the same city, I would rent it, but 90 miles away I would sell. I manage mine myself, and I don't think it is as beneficial if you must use a property management company. I would sell it simply because your distance from the condo....
by riptide
Fri Apr 28, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 164
Views: 15447

Re: When do you plan to die?

When God decides my time is up...
by riptide
Fri Apr 28, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: putting more than 20% down on new home purchase
Replies: 41
Views: 6442

Re: putting more than 20% down on new home purchase

I now think I will simply use only the money from my sale of my home, which may be over 20% as well. I will just put down my equity cash I have received from the sale of the current home. The only question then is put all equity down or simply 20%. I am leaning to putting just about all equity gain...
by riptide
Fri Apr 28, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: putting more than 20% down on new home purchase
Replies: 41
Views: 6442

Re: putting more than 20% down on new home purchase

All this in an effort to keep the monthly payment low, due to my monthly obligations. Wise? Or no need to put down more than 20%. With only 20% down, my monthly payment is more than I would like to pay , or can really afford at this time.... riptide, A) Put 30% down and have a smaller monthly payme...