Search found 2712 matches

by Sandtrap
Tue Dec 05, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Lowering real estate agent costs when selling?
Replies: 34
Views: 2568

Re: Lowering real estate agent costs when selling?

OP .... irrespective of the cost, do you believe you need a real estate agent to effectively sell your home? Somebody needs to open the door and let them walk through the house. 1% listing agent fee is about $9000. That's fine. 3% buyers agent fee is $27,000, and I think that's too high. Can I just...
by Sandtrap
Tue Dec 05, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Complete Beginner to investing, 24 years old
Replies: 15
Views: 1412

Re: Complete Beginner to investing, 24 years old

Some helpful links: Asking Portfolio Questions https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Bogle Philosophy https://www.bogleheads.org/wiki/Bogleheads®_investment_philosophy Here are links to the wiki's "Getting Started" and "Investing Startup Kit" pages: https://www.bogleheads.org/wik...
by Sandtrap
Tue Dec 05, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4550

Re: selling an older car on eBay-no bites!

I don't think Ford Pinto came in 4 doors; may be that is why it is classic? I had Ford Pinto 2-door which I rolled over on the roof and then drove for another year! My brother had a 4 door Ford Pinto station wagon with real authentic vinyl wood on the sides and a roof rack. It was in Hawaii so it r...
by Sandtrap
Tue Dec 05, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: Unsolicited advice - 32 yo w/ 80% bonds, fixed income fund
Replies: 36
Views: 3103

Re: Unsolicited advice - 32 yo w/ 80% bonds, fixed income fund

You could ask him for advice on how you should invest and find out why he does what he does and whether or not he wants to discuss it. How did you find out his AA in the first place? he volunteered to show me as he hit the $50k milestone in his 401k this year - his words were that he had a prominen...
by Sandtrap
Tue Dec 05, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4550

Re: selling an older car on eBay-no bites!

OP, are you going to tell us what kind of car?! Some of us are car guys in here and would like to know! :happy It's pretty much been summed up and seems to me, we're talking a car from 1977 when there wasn't much cool out there and the OP is asking a premium because they have been the one and only ...
by Sandtrap
Tue Dec 05, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Lowering real estate agent costs when selling?
Replies: 34
Views: 2568

Re: Lowering real estate agent costs when selling?

Typically, it's 3% to the agent, 3% to the house (broker/brokerage firm). You can use various "listing/Realtor" brokerages for up to half or less than that. They will list the property on the MLS and put a sign out. Realtor agents can sell the home because it's on the MLS for all to see. But the cos...
by Sandtrap
Tue Dec 05, 2017 1:05 am
Forum: Investing - Theory, News & General
Topic: Unsolicited advice - 32 yo w/ 80% bonds, fixed income fund
Replies: 36
Views: 3103

Re: Unsolicited advice - 32 yo w/ 80% bonds, fixed income fund

fortfun wrote:
Mon Dec 04, 2017 10:28 pm
I'd suggest this quick read.
https://www.google.com/url?sa=t&rct=j&q ... -SB3S580I5

If you can (pdf).
+1
Also email a link to the forum.
j :D
by Sandtrap
Tue Dec 05, 2017 1:02 am
Forum: Investing - Help with Personal Investments
Topic: Umbrella liability insurance policy to match portfolio size?
Replies: 30
Views: 2648

Re: Umbrella liability insurance policy to match portfolio size?

I only insure up to $5million with AAA for $904. It doesn’t have to match your assets, but I think it’s enough that the lawyers would defend against any lawsuit more vigorously. I have car, home and rentals with AAA. Multiple discount. Thanks for the input. Isn't the point of an umbrella insurance ...
by Sandtrap
Mon Dec 04, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 52
Views: 4587

Re: A " Bond Tent" During the "Retirement Red Zone?"

OP: This is an excellent thread that addresses the "Retirement Red Zone".
Sequence of Returns Risk by "DonCamillo".
viewtopic.php?t=159107
"Nedsaid" and others had great input.
j :D
by Sandtrap
Mon Dec 04, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5689

Re: It's that time of year again... buying christmas gifts

In Hawaii, everyone get's gifts all year 'round for any reason. Go to the doctor's, bring something. Go talk with the landlord, bring a pie. Meet the painting contractor, bring a box of Malasadas. Everything's a reason for giving and sharing. No inner circle. No exclusions. Island style. Aloha spiri...
by Sandtrap
Mon Dec 04, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4550

Re: selling an older car on eBay-no bites!

Craigslist. Keep renewing the ad every week so it remains at the top of the listings. Pictures, lots. No pictures, no sale. Post in surrounding states and counties as well, not just locally. Occasionally take the ad off, wait a few weeks for everyone to forget it's the "same old ad". Then repost it ...
by Sandtrap
Mon Dec 04, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help Damsel In Distress
Replies: 15
Views: 2487

Re: Help Damsel In Distress

Hello I need help. I have done a lot of reading on investments and I am not understanding most of it and I do not know what to do. Female: Age 54. Married/Single? Self Employed - $40,000.00/year. Monthly expenses including rent: $3,500/mo. (rent: $1000.00 a month) Assets: Savings Account: $ 110,000...
by Sandtrap
Mon Dec 04, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella liability insurance policy to match portfolio size?
Replies: 30
Views: 2648

Re: Umbrella liability insurance policy to match portfolio size?

Howdy I have a 5 million umbrella with a somewhat larger amount of assets. It is $800 per year with Nationwide. It is probably excessive. What you are buying is liability insurance in excess of other coverage, and what you are really buying in practice is legal services from the insurer to negotiat...
by Sandtrap
Mon Dec 04, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella liability insurance policy to match portfolio size?
Replies: 30
Views: 2648

Re: Umbrella liability insurance policy to match portfolio size?

Sandtrap I have my umbrella policy through USAA their rates are competitive. As far as matching your portfolio that depends on the size of the portfolio. I don’t remember the exact amount but as I raised my limit, USAA would no longer would cover the whole policy. They began to use another carrier ...
by Sandtrap
Mon Dec 04, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella liability insurance policy to match portfolio size?
Replies: 30
Views: 2648

Re: Umbrella liability insurance policy to match portfolio size?

If you take my umbrella policy + homeowners or auto liability (of which I have maximized both). The total amount is approx equal to our net worth. We live in TX where retirement accounts (which is most of our assets) have a good deal of protection, so in our case I don't know that is necessary to m...
by Sandtrap
Mon Dec 04, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: RV rentals
Replies: 21
Views: 1841

Re: RV rentals

Any recommended places to rent RVs for a short 2-day trip ? Need an RV that sleeps at least 8-9 people. Am in FL. Google "RV rentals". First hit https://gorving.com/where-to-find/rentals . then come back and ask about peoples experience with your favorite results. There a couple of boards though th...
by Sandtrap
Mon Dec 04, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella liability insurance policy to match portfolio size?
Replies: 30
Views: 2648

Re: Umbrella liability insurance policy to match portfolio size?

If you take my umbrella policy + homeowners or auto liability (of which I have maximized both). The total amount is approx equal to our net worth. We live in TX where retirement accounts (which is most of our assets) have a good deal of protection, so in our case I don't know that is necessary to m...
by Sandtrap
Mon Dec 04, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4550

Re: selling an older car on eBay-no bites!

Craig's List.
by Sandtrap
Mon Dec 04, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella liability insurance policy to match portfolio size?
Replies: 30
Views: 2648

Re: Umbrella liability insurance policy to match portfolio size?

If you take my umbrella policy + homeowners or auto liability (of which I have maximized both). The total amount is approx equal to our net worth. We live in TX where retirement accounts (which is most of our assets) have a good deal of protection, so in our case I don't know that is necessary to m...
by Sandtrap
Mon Dec 04, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella liability insurance policy to match portfolio size?
Replies: 30
Views: 2648

Umbrella liability insurance policy to match portfolio size?

Given there is car insurance and homeowners insurance, would it be feasible to match an Umbrella liability insurance policy to match one's portfolio size?
Has anyone done this?
Thoughts?
Thanks,
j :D
by Sandtrap
Mon Dec 04, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Learning how to spend money
Replies: 12
Views: 986

Re: Learning how to spend money

At some point you figure out (you maybe have already) that it is OK to be what you are now. Spending money for spending sake gives me no value or additional happiness. It often goes the opposite way. If you are the saver and your wife is the spender, then that is fine. I try to keep our tech somewh...
by Sandtrap
Mon Dec 04, 2017 11:45 am
Forum: Investing - Theory, News & General
Topic: The Pros and Cons of Target-Date Funds vs 3 Fund: LifeCycle Investing
Replies: 23
Views: 1921

Re: The Pros and Cons of Target-Date Funds vs 3 Fund: LifeCycle Investing

How does this change post retirement when the primary income streams have dried up? Does the funded ratio now "devolve"? j :D I'm not sure what you mean, but the funded ratio is relevant until death. Decisions about how much equity to hold in retirement, when to claim SS and pension benefits, when ...
by Sandtrap
Mon Dec 04, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Who keeps more money out of 100k? Self-employed vs Employed?
Replies: 39
Views: 2773

Re: Who keeps more money out of 100k? Self-employed vs Employed?

Are you looking at nominal salary or the total value of salary plus benefits? A typical employee with a 100k salary would receive total compensation of more than 100k, while a self-employed person with 100k in income is receiving 100k in total compensation. Total compensation for an employee would ...
by Sandtrap
Mon Dec 04, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Who keeps more money out of 100k? Self-employed vs Employed?
Replies: 39
Views: 2773

Re: Who keeps more money out of 100k? Self-employed vs Employed?

This is not quite a net earnings comparison as it is a comparison of "autonomy". . which does effect net earnings. Done correctly and legally, though with much shrewdness and a very sharp CPA, a self-employed businessman can amass wealth while paying very little in taxes. He has control over the "na...
by Sandtrap
Mon Dec 04, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: The Pros and Cons of Target-Date Funds vs 3 Fund: LifeCycle Investing
Replies: 23
Views: 1921

Re: The Pros and Cons of Target-Date Funds vs 3 Fund: LifeCycle Investing

IMO the important take away from the article is that to optimize the retirement financial plan you need to use the funded ratio. In that case neither a fixed AA such as 60/40 or a pre-planned glide path of a TDF is anywhere near optimal. Instead the AA should be dynamically adjusted through time as...
by Sandtrap
Mon Dec 04, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Learning how to spend money
Replies: 12
Views: 986

Re: Learning how to spend money

How do you define wealth? Are you wealthy? How do you define Financial Independence? How do you define retirement? DW and I are both frugal as are our families and relatives. Our lifestyle has not appreciably changed post retirement. And, it continues unchanged as our portfolio grows. We are deeply ...
by Sandtrap
Mon Dec 04, 2017 11:09 am
Forum: Local Chapters and Bogleheads Community
Topic: Holiday thanks to Bogleheads. How have they helped you?
Replies: 17
Views: 1509

Holiday thanks to Bogleheads. How have they helped you?

In the spirit of the Holidays and end year period, it might be nice to recognize everyone for the gracious help they've given on the journey to "Bogleheadville" and Financial Independence. QUESTION: 0 Who? 1 How have they helped you? 2 What area of FI or type of advice,etc? Me: :D To name just a few...
by Sandtrap
Sun Dec 03, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: The Pros and Cons of Target-Date Funds vs 3 Fund: LifeCycle Investing
Replies: 23
Views: 1921

Re: The Pros and Cons of Target-Date Funds vs 3 Fund: LifeCycle Investing

It is unfortunate that the author mentions LifeCycle funds (a fund of funds with a fixed allocation for life) in the very first sentence of the article, and then NEVER discusses them in the rest of the article. This provides the same "one fund does it all" property, while actually performing much, ...
by Sandtrap
Sun Dec 03, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Trust or Will
Replies: 14
Views: 1557

Re: Trust or Will

In my experience, the larger the estate and more complicated the family dynamics, the greater the need for a well constructed trust. Larger estates can be constructed to best tax benefit. IE: QTIP, Bypass/Credit Shelter, etc. Suggest further consult with your legal counsel. Some helpful books. Wills...
by Sandtrap
Sun Dec 03, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: The 4% rule, Firecalc and Human Nature
Replies: 86
Views: 5865

Re: The 4% rule, Firecalc and Human Nature

while using historical/back tested results might be the best we can do, I'm not relying on them to any extent. I'm not convinced that the future is likely to be much like the past -- at least to the extent that I would want to base my retirement investing/spending on it. I feel like I have enough a...
by Sandtrap
Sun Dec 03, 2017 11:04 am
Forum: Investing - Theory, News & General
Topic: 15 Questions To Ask When Choosing A Financial Advisor
Replies: 9
Views: 1032

Re: 15 Questions To Ask When Choosing A Financial Advisor

https://thecogentadvisor.com/blog/15-questions-to-ask-when-choosing-a-financial-advisor Not the most popular subject on the DIY Bogleheads site, but nonetheless a very worthwhile read. For anyone considering an advisor, this article containing 15 questions to ask a potential advisor is an excellent...
by Sandtrap
Sun Dec 03, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Card declined - blocked country
Replies: 49
Views: 3142

Re: Card declined - blocked country

It is the credit card company's right to do this, just like it is your right to get a new credit card company. When travelling I always bring credit cards from different issuers 3+ and ATM cards from different issuers 3+ . I'm not a million miler but I do travel internationally a few times a year. ...
by Sandtrap
Sun Dec 03, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: The 4% rule, Firecalc and Human Nature
Replies: 86
Views: 5865

Re: The 4% rule, Firecalc and Human Nature

You are not missing anything. What you are seeing is people in a hysteria to be "safe" without stopping to think about how things work. In the real world 4% gives you a ballpark estimate ahead of time of what is needed to retire on for that fraction of income that is not provided by pensions, annui...
by Sandtrap
Sun Dec 03, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: The 4% rule, Firecalc and Human Nature
Replies: 86
Views: 5865

Re: The 4% rule, Firecalc and Human Nature

For all my finite planning, I find that my retirement spreadsheet goes from "need to watch expenses" to "how are we going to give it all away"' merely by changing my portfolio growth assumption by 1% (from 2% real to 3% real) . That is teaching me that "good enough" is good enough. Have a plan and ...
by Sandtrap
Sun Dec 03, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11039

Re: After financial independence, do you lose motivation for work?

Years ago I made up a financial education powerpoint for my son, as well as young engineers......... . . . . . For the typical W-2 worker, I think the mid-career to late career stage is the hardest. Sometimes it seems like all you do is slave away working. But assuming you follow the Boglehead phil...
by Sandtrap
Sun Dec 03, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: The Pros and Cons of Target-Date Funds vs 3 Fund: LifeCycle Investing
Replies: 23
Views: 1921

The Pros and Cons of Target-Date Funds vs 3 Fund: LifeCycle Investing

The Pros and Cons of Target-Date Funds in the Accumulation Phase by Wade Pfau https://www.advisorperspectives.com/articles/2014/06/03/the-pros-and-cons-of-target-date-funds-in-the-accumulation-phase Glidepath Flaws PDF link within the same article: http://www.iinews.com/site/pdfs/JOR_Fall_2013_RA.pd...
by Sandtrap
Sat Dec 02, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 52
Views: 4587

Re: A " Bond Tent" During the "Retirement Red Zone?"

I'm 18 months from retirement and I've been gradually moving my allocation in favor of bonds - currently standing at 60%. Watching market movements lately and holding back on any personal reaction. I came across this Michael Kitces article and wondered whether others close to or in the early years ...
by Sandtrap
Sat Dec 02, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 25657

Re: Currently have $700,000 at 26 years old get $100,000 a year

. . . . I appreciate what you're doing, but you are introducing terms that people learn when they have a lot of time on their hands to read books or forums while saving their money - rather than - going out spending it and being social, like the OP. To be honest, I just learned both of those terms ...
by Sandtrap
Sat Dec 02, 2017 7:33 pm
Forum: Investing - Theory, News & General
Topic: Wellesley Fund gender diversity and climate focus
Replies: 9
Views: 1069

Re: Wellesley Fund gender diversity and climate focus

Another observation on the first link: It appears they have the idea that short skirts are important. In my experience good women leaders did not introduce a distraction by dressing provocatively. Someone please flag this dinosaur's comment as offensive. Or is this a parody account? :D Note I chang...
by Sandtrap
Sat Dec 02, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nesters, how did your finances change when the birds left the nest
Replies: 25
Views: 2287

Re: Empty nesters, how did your finances change when the birds left the nest

Sage16 wrote:
Sat Dec 02, 2017 6:44 pm
Cost for kids never goes away it just shifts categories over time. College, weddings, travel expenses if they move outstate. Maybe help with purchasing a home, etc.
So true.
Huge. :shock:
j
by Sandtrap
Sat Dec 02, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: New to Forum & Sharing Recent Investment Experiment
Replies: 3
Views: 327

Re: New to Forum & Sharing Recent Investment Experiment

$12,000 with 5 year time horizon. CD's. Short Term (do a CD ladder leading up to your goal date as you receive more funds). BankRate.com http://www.bankrate.com/compare-rates.aspx BankRates. Blog. https://www.depositaccounts.com/blog/ or, Brokered New Issue CD's at Vanguard, etc. Maybe. . . . But fo...
by Sandtrap
Sat Dec 02, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 25657

Re: Currently have $700,000 at 26 years old get $100,000 a year

With COLA, you are in good shape. But do figure out what you really want to do in your life. Assuming the 3.3M is invested well, it will be worth quite a lot in 30 years. As long as you invest 25-30% of your allowance immediately on getting it, you will be fine. But you will still need to have a bu...
by Sandtrap
Sat Dec 02, 2017 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nesters, how did your finances change when the birds left the nest
Replies: 25
Views: 2287

Re: Empty nesters, how did your finances change when the birds left the nest

Birds cost nearly nothing once having flown the coop.
But, incidents of "failure to launch" or "broken flight wings" can be quite expensive.
Bets are off if they bring back eggs or chicklets.
The only way to minimize costs is to downsize the nest so it only fits two old birds.
j :D
by Sandtrap
Sat Dec 02, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix the sleep mix or 80/20 mix
Replies: 38
Views: 3477

Re: Is 60/40 mix the sleep mix or 80/20 mix

https://s8.postimg.org/5bc6oyz5x/33vdb9f.jpg-3.png Thanks, "nisiprius", always a cool chart at the ready. "A picture is worth a thousand words", its been said. Your points hold true in the real world as far as the wide margin of allocations. My recently deceased FIL at age 94 was nearly 100% in equ...
by Sandtrap
Sat Dec 02, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Considering Real Estate License
Replies: 7
Views: 514

Re: Considering Real Estate License

You can conduct your own transactions without a realtor's license. Thanks for the info. How would you buy a home without paying the listing and selling agent fee? Moreover, can you get the standard 3% buyer fee without using a realtor? Unless a FSBO, there might be no way of getting around it. Howe...
by Sandtrap
Sat Dec 02, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 25657

Re: Currently have $700,000 at 26 years old get $100,000 a year

With COLA, you are in good shape. But do figure out what you really want to do in your life. Assuming the 3.3M is invested well, it will be worth quite a lot in 30 years. As long as you invest 25-30% of your allowance immediately on getting it, you will be fine. But you will still need to have a bu...
by Sandtrap
Sat Dec 02, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 50k, when, and how?
Replies: 26
Views: 1995

Re: What to do with extra 50k, when, and how?

fortfun wrote:
Sat Dec 02, 2017 1:48 pm
I'm pretty comfortable with current investments. Just need to know what to do with this extra 50k.
High yield account, short term CD's, spend the rest and have fun.
j :D
by Sandtrap
Sat Dec 02, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Considering Real Estate License
Replies: 7
Views: 514

Re: Considering Real Estate License

The purpose would be to conduct my own transactions. Last house I sold, I paid 35k in realtor fees (17k to my listing agent). When I sell my current house, I’ll end up paying another 45k-50k. Listing through a broker seems much more likely to sell a home rather than a FSBO, which would require a li...
by Sandtrap
Sat Dec 02, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix the sleep mix or 80/20 mix
Replies: 38
Views: 3477

Re: Is 60/40 mix the sleep mix or 80/20 mix

80/20 is a young person allocation 60/40 is the traditional endowment ratio for universities and middle age allocation 40/60 is a retirement allocation 30/70 is a senior retiree allocation 20/80 is a elder senior retiree allocation j :D That just depends. Traditional glide slope logic assumes a goo...
by Sandtrap
Sat Dec 02, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 50k, when, and how?
Replies: 26
Views: 1995

Re: What to do with extra 50k, when, and how?

My emergency/vacation fund has grown a bit too big. Emergency fund, 401k, Roths, and 529s are maxed/taken care of (the best we can do with plans offered by employers). Only debt is 1k monthly mortage (10yrs remaining 3%). I don't really have an investing plan beyond the items listed above. I'm 44 a...