Search found 271 matches

by muddlehead
Wed Oct 22, 2008 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Best book for Will/Trust issues
Replies: 18
Views: 3534

even an ardent financial do it yourselfer like me would not attempt a special needs trust situation from a book.
by muddlehead
Wed Oct 22, 2008 11:27 am
Forum: Investing - Theory, News & General
Topic: Vintage guitar hedge fund set to launch
Replies: 15
Views: 4007

have to sell shares in my wood tennis racket fund for this.
by muddlehead
Wed Oct 22, 2008 11:22 am
Forum: Personal Investments
Topic: Where do I find a Financial Advisor?
Replies: 8
Views: 2290

interesting question. i would attempt to find some others who have similar circumstances in new york or the u.k. before paying anyone. you'd think someone on this very board could help.
by muddlehead
Tue Oct 21, 2008 7:22 pm
Forum: Personal Investments
Topic: Young Boglehead in Training needs help
Replies: 10
Views: 1973

exactly correct. we can agree to disagree about diversification for a 23 yr old.
by muddlehead
Tue Oct 21, 2008 11:43 am
Forum: Personal Investments
Topic: Young Boglehead in Training needs help
Replies: 10
Views: 1973

at 23, you need to be 100% in the equity market in your 401k. closest thing to a total stock market index fund they offer. imho you need to pay off the debts before attacking roth etc...
by muddlehead
Sun Oct 19, 2008 11:56 am
Forum: Personal Investments
Topic: Bond Laddering with Zero Coupons?
Replies: 8
Views: 1695

rates are so low - better off accomplishing same date certain maturity goal with cd's.
by muddlehead
Sun Oct 19, 2008 11:45 am
Forum: Personal Investments
Topic: Need help choosing fund
Replies: 17
Views: 2448

you will be saving approx 6k per year for at least 15 years. if it was me, i'd play it 100% safe, and only invest in cd's. at age 61, watching every penny in your situation, even though i think/hope vtsmx will be higher in 15 yrs, i don't think you can take that chance.
by muddlehead
Thu Oct 16, 2008 11:30 am
Forum: Investing - Theory, News & General
Topic: Stocks
Replies: 43
Views: 8895

our current situation couldn't be any easier to decipher. if you think we are another japan, don't invest in the us stock market.
by muddlehead
Wed Oct 15, 2008 5:02 pm
Forum: Investing - Theory, News & General
Topic: CD's in an IRA?
Replies: 11
Views: 1783

it is, unless he's only years away from retirement. or, he can't stomach stock market risk.
by muddlehead
Sun Oct 12, 2008 10:50 am
Forum: Personal Investments
Topic: Portfolio Help for a Teacher
Replies: 11
Views: 2007

at age 39, not needing money for 20 years, i would have zero in fixed income.
by muddlehead
Fri Oct 10, 2008 11:47 am
Forum: Personal Investments
Topic: Retiree lessons for accumulators
Replies: 3
Views: 1246

good question. got you by twenty years and retired. 50/50 allocation (until last 2 weeks). fixed income portion covers expenses with some wiggle room in case equity portion goes to zero. for simplicity's sake i ladder cd's only for fixed income. that's been a good investing model for my lifetime. 30...
by muddlehead
Thu Oct 09, 2008 4:22 pm
Forum: Personal Investments
Topic: Does Mom have too much cash?!?
Replies: 10
Views: 2179

fair questions. 12k per year can be gifted to children, grandchildren, anyone without creating a taxable event. as for alz care down the road, and the privatizing-socializing accusation, we all have to decide if we want our heirs to get an inheritance or use that money to pay for elder care.
by muddlehead
Thu Oct 09, 2008 12:09 pm
Forum: Personal Investments
Topic: Does Mom have too much cash?!?
Replies: 10
Views: 2179

in your shoes almost exactly. fortunately, my mom made me a co trustee on her trust where all her money is/was. been moving money from their out of her name past 4 yrs. idea is when she has to be instutionalized - as you should well know by now alz elders can live a looong time - her assets will hav...
by muddlehead
Wed Oct 08, 2008 4:22 pm
Forum: Personal Investments
Topic: I am now Gun Shy!!
Replies: 19
Views: 4182

i've never dabbled in the world of tips. bonds of all types i understand. bond mutual funds i understand. how would a tip compare to buying a 5.25% cd maturing in october 2018?
by muddlehead
Wed Oct 08, 2008 11:04 am
Forum: Personal Investments
Topic: Sitka Pacific- Mike Shedlock
Replies: 1
Views: 1582

use guests on coast to coast radio show for info on ufo's, ghosts, and black holes - not investing.
by muddlehead
Wed Oct 08, 2008 10:55 am
Forum: Personal Investments
Topic: I am now Gun Shy!!
Replies: 19
Views: 4182

i think the eq/fixed income retirement how much can i safely withdraw annually discussion should be revised for many. if you take all your cash, can you live on interest of current cd rates - about 4-5%? if answer is yes, and you are averse to equity risk ...
by muddlehead
Mon Oct 06, 2008 11:04 am
Forum: Personal Investments
Topic: Need Help starting out investing
Replies: 6
Views: 1405

at age 33, 100% vtsmx every year until approximately age 53. could not be any simpler.
by muddlehead
Sun Oct 05, 2008 11:37 am
Forum: Personal Investments
Topic: Vanguard Traditional IRA - question about how it works
Replies: 4
Views: 1344

roth

any reason why you're choosing a traditional ira over roth? traditional's tax deduction benefit pitiful when compared with ability in a roth to take out dollars tax free down the road.
by muddlehead
Sat Oct 04, 2008 11:46 am
Forum: Personal Investments
Topic: Is it different this time?
Replies: 18
Views: 4415

crossing my fingers

and hoping worst case scenario approx 20 yr bear mkt began mar '99 which, of course, means we are half way through.
by muddlehead
Fri Oct 03, 2008 11:27 am
Forum: Personal Investments
Topic: Newbie asks Financial adviser about index funds
Replies: 74
Views: 15541

hi taylor

we'll have to agree to disagree. anyone who has a computer, no exceptions, can and must learn how to manage their own money.
by muddlehead
Thu Oct 02, 2008 12:04 pm
Forum: Personal Investments
Topic: Newbie asks Financial adviser about index funds
Replies: 74
Views: 15541

time to start is now

with the computer you are looking at right now, and a little time, you can easily learn how to manage your family's finances. it isn't that difficult. never pay anyone to do it for you.