Search found 259 matches

by winterescape
Sat Jun 09, 2007 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Father Needs Asset Allocation Help
Replies: 7
Views: 2111

Wow, talk about throwing a curve ball at my assumptions! I read $25K income and “Mom & Dad” and immediately thought very low tax bracket, well under the 15% upper limit of $63K. So taxes were not so much of an issue. I will be interested to learn just how the Canada residency impacts this…
by winterescape
Fri Jun 08, 2007 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Way, Way OT-Heat pump problems
Replies: 13
Views: 3983

Are you sure it is the aux elect heat? Otherwise I would tend to agree with noelesor that the reversing valve is sticking. A common trick is to rap on it with the plastic end of a screwdriver and see if the system suddenly starts cooling. If the electric assist heat is on a separate breaker from the...
by winterescape
Fri Jun 08, 2007 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Father Needs Asset Allocation Help
Replies: 7
Views: 2111

I agree with Laura, more information & better information = better advise. However, with what you have provided so far, I would suggest you look closely at the Wellesley income fund or the target retirement income fund. Wellesley fund is very close to the asset allocation you mention, in a single fu...
by winterescape
Sun Jun 03, 2007 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Pennsylvania Teachers Retirement Options
Replies: 14
Views: 6320

Re: Pennsylvania Teachers Retirement Options

For others, what is the best way to go about analyzing these types of choices? How do you compare different pension plan options? How do you decide between a pension option and a 403b type option? The two state retirement plans are similar in that they determine the retirement benefit from a fixed ...
by winterescape
Fri Jun 01, 2007 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Analysis Please
Replies: 19
Views: 5045

"What would you change?? I'm not really thinking about Bonds until 10 years until retirement. Of course my thinking could be all goofed up. Any ideas are certainly welcome. :D" You say mid 40s and retire at 65ish, I would look at the Vanguard target retirement 2030 fund for asset allocation guidanc...
by winterescape
Thu May 31, 2007 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Parents' Retirement
Replies: 21
Views: 6722

They have 3 annuities, 2 of which are IRA's. ...... They have surrender fees for 10 years, starting at 10% and decreasing by 1% per year. They are less than a year old. Evaluate the back end loads and balance the cost of getting out VS the high annual expenses of staying in the annuity. Get the pro...
by winterescape
Thu May 31, 2007 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Parents' Retirement
Replies: 21
Views: 6722

My mother will inherit approximately $21,000 from my grandfather's IRA "If, on the other hand, the IRA owner was receiving distributions over his own single life expectancy (whether or not recalculated), the IRS has ruled that you can take distributions over your own life expectancy." http://www.fo...
by winterescape
Tue May 29, 2007 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice, mother-in-law, IRA in VA
Replies: 4
Views: 1485

John,
She most likely can do a “trustee to trustee” transfer, it is a VA held in a IRA which still holds the ability to transfer it to another custodian, Vanguard or otherwise.

Double check the back end load or redemption fees, does it really go out 10 years not 7?
by winterescape
Tue May 29, 2007 8:50 am
Forum: Investing - Theory, News & General
Topic: Best Online Brokerage?
Replies: 47
Views: 24156

The JD power ranking of investment firms
http://www.jdpower.com/finance/ratings/ ... /index.asp
by winterescape
Mon May 28, 2007 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Refinance or not to refinace...
Replies: 7
Views: 2715

I would add to the chorus suggesting the HELOC.

You can keep the fixed 5.25% below market rate mortgage, only draw the funds as you need them from the HELOC to supplement cash flow, the interest is in most cases tax deductible on the HELOC, most HELOC have no closing costs.
by winterescape
Thu May 24, 2007 8:18 am
Forum: Investing - Help with Personal Investments
Topic: What to sell? Newbie question
Replies: 13
Views: 3653

I would start with the bond fund because you could realize a tax loss by selling.
Some questions that come to mind that may help others give you advice are, what is your tax bracket, what % of your investments is the “GM” bond and what is the credit rating on it? What interest rate is it paying?
by winterescape
Wed May 23, 2007 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: 529 questions for our niece
Replies: 17
Views: 4330

Re: 529 ownership?

I am unsure if you can own a 529 account for your nieces/nephews. You most definitely can open 529 plans for grandchildren, a niece or nephew, remember you are the owner of the funds with the child as the beneficiary. check out: http://www.savingforcollege.com/ Joe Hurley wrote the book “The Best W...
by winterescape
Tue May 22, 2007 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: VBINX in taxable account?
Replies: 8
Views: 3503

VBINX = Vanguard Balanced Index It all depends on your tax bracket and your options. Vanguard Balanced Index is just 60% total stock market, which is very tax efficient and would be a good choice for taxable investment and 40% total bond market, which is throwing off taxable income. If someone has t...
by winterescape
Tue May 22, 2007 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: New Member with 2 AA Questions
Replies: 4
Views: 1408

For the global equity fund, if you have not already done so, I suggest that you do not reinvest the dividends and distributions but have them placed in your money market account and then reinvest them as your asset allocation directs you to…
by winterescape
Tue May 22, 2007 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Roth rollover: Target Retirement or start from scratch?
Replies: 13
Views: 4351

Start with the 2040, the target funds give you excellent diversification and auto rebalancing with very low expenses. Nothing is fixed in stone, if after further review you wish to change funds, after you take all your assets into account and review your combined asset allocation, it is easy to do o...
by winterescape
Mon May 21, 2007 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Your opinions on a pension choice I have.
Replies: 15
Views: 4218

Re: Your opinions on a pension choice I have.

and there are many, but I am really only considering two. Dan, I know you have reduced it to two choices from a longer list of options but sometimes it is more advantageous to take the higher payment without survivor benefit and purchase a term life policy on yourself with your wife as the benefici...
by winterescape
Fri May 18, 2007 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Draw down taxable account
Replies: 15
Views: 3773

Al,
I misunderstood your comparison. After re-reading it and reading your reply I concur…for what it is worth… thanks…
by winterescape
Fri May 18, 2007 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Draw down taxable account
Replies: 15
Views: 3773

Andy, Lets continue to refine your example. “In summary, the first guy saved $2750 today and paid $7000 in ten years” So the $2750 that was saved was also invested the same way giving you $5500 in ten years and he paid a total of $1500 in tax in 2017 dollars. The second guy paid $2250 in 2017 dollar...
by winterescape
Thu May 17, 2007 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Draw down taxable account
Replies: 15
Views: 3773

b) How much are you paying in capital gains taxes? If you have a $5000 investment with a $500 capital gain it may be worth it. I would think long and hard before I sold a $5000 asset with a $3500 capital gain. What I do not see pointed out here is that each dollar contributed to your 401K is a doll...
by winterescape
Thu May 17, 2007 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: AMT tax harvesting, getting rid of stock, converting to TSM
Replies: 8
Views: 2209

This might help you out; you can input last year’s numbers and then include your tax lost harvesting …

http://www.hrblock.com/taxes/tools/2005 ... c/main.jsp
by winterescape
Mon May 14, 2007 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Confusing Financial Plan
Replies: 10
Views: 3070

Re: plan

suzibee wrote:Thank all of you for the feedback.
I will be talking with Vanguard on Friday, and will certainly post anything of value.
Wish me luck!
Susan
Any info?
by winterescape
Sun May 13, 2007 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Share Your Personal Investing History and Lessons Learned
Replies: 5
Views: 1994

Back some 19 years ago, when we were about to get married, my soon to be wife quit her job and we were unsure what to do with her 401K. My Father said, “go see my guy” who promptly put her tax deferred savings into a high cost annuity. Not a big mistake in dollar terms but I should have known better...
by winterescape
Sat May 12, 2007 6:44 pm
Forum: Investing - Theory, News & General
Topic: Market Timing of 500 Index Funds
Replies: 13
Views: 4979

Pick your asset allocation and start dollar cost averaging in, welcome to the group……
by winterescape
Sat May 12, 2007 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value fund replacement?
Replies: 32
Views: 11784

Just posted the part of the annual report for this 401K that covers this stable value fund…

Most of the generous 7% contracts expire this year.. :(

http://home.rochester.rr.com/ebay342/20 ... e_fund.pdf
by winterescape
Sat May 12, 2007 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: My plan
Replies: 23
Views: 6533

Oh, yeah, SpaceMonkey your plan looks very sound, I would commend you on doing a great job of investing, you are well down the learning curve, and this prevents you from being taken advantage of by “investment advisors” in the future. As others have mentioned, I would consolidate your cash accounts,...
by winterescape
Sat May 12, 2007 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: My plan
Replies: 23
Views: 6533

Are there minimum requirements for Vanguard MMF? Yes $3000 to open Can I empty out the vanguard fund to like 200 dollars and leave it there for a while? No idea, never tried Is it easy to move funds in and out of it, can I link it to a checking account say for easy transfer? It is easy to move fund...
by winterescape
Thu May 10, 2007 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for my little sister
Replies: 50
Views: 18018

Looks well thought out, 70/30 sounds appropriate. I would favor VTI over TMW….
by winterescape
Wed May 09, 2007 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value fund replacement?
Replies: 32
Views: 11784

LT bonds have returned around 2% more per year than T-bills. If you expect say a 0.5% "free lunch" from the stable value fund, then you need to increase equities enough to compensate for the lost 1.5% in return. http://socialize.morningstar.com/NewSocialize/asp/FullConv.asp?forumId=F100000015&convI...
by winterescape
Wed May 09, 2007 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying my allocation - comments solicitied
Replies: 3
Views: 1487

Re: Simplifying my allocation - comments solicitied

Phil wrote: Light on international, but I have more than enough international exposure (my job, and EPP).
somehow I missed this, nevermind...
by winterescape
Wed May 09, 2007 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying my allocation - comments solicitied
Replies: 3
Views: 1487

At the very least you should combine 500, TSM and Small Cap into just TSM. I will second that recommendation of simplification to your existing asset allocation I also would point out your low international exposure, is this intentional? You could add something like VGTSX to this mix if you chose t...
by winterescape
Wed May 09, 2007 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value fund replacement?
Replies: 32
Views: 11784

Thanks to everyone for the replies so far! Brian, That is a very informative link, I am still trying to digest all the details. I have been viewing the stable value fund as a replacement for 100% of my bond allocation. I understand why most see it as a replacement for short-term bond funds but why ...
by winterescape
Wed May 09, 2007 10:31 am
Forum: Investing - Help with Personal Investments
Topic: What is your age and AA?
Replies: 219
Views: 66726

Age 42
Wife 40ish

both work full time
Stock 65 %
Bond/cash 35%
by winterescape
Wed May 09, 2007 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value fund replacement?
Replies: 32
Views: 11784

We've discussed stable value funds quite a bit (Larry S. was quite helpful, I might note). The bottomline, as I see it, is that stable value funds can offer a better risk-adjusted deal than other fixed income funds as a result of the fact that they are not available on the open market (and often ha...
by winterescape
Tue May 08, 2007 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value fund replacement?
Replies: 32
Views: 11784

Stable Value fund replacement?

I have an old 401K that I have never rolled over to an IRA because of the availability of one investment option. This 401K offers a “fixed income” stable value fund that is comprised of GICs and synthetic GICs and returned 5.64% for CY 2006. The expense ratio is 0.01% and the underlying yield as of ...
by winterescape
Tue May 08, 2007 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Confusing Financial Plan
Replies: 10
Views: 3070

The total international fund VS the FTSE all world is much more subtle. I hold the total international fund in my taxable holdings. They might comment on the 0.25% purchase fee for the FTSE fund. I don't think the difference between Total International and FTSE All World fund is all that subtle whe...
by winterescape
Tue May 08, 2007 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Confusing Financial Plan
Replies: 10
Views: 3070

Susan, I too have used Vanguard financial planning service a couple of times. It is great place to start if you are not interested in learning about investing or want a professional opinion of your investment strategy. The price is right. In my case Vanguard made some assumptions, which were not cor...
by winterescape
Mon May 07, 2007 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Automobile TCO
Replies: 13
Views: 4311

The Consumer Reports annual auto issue has lots of data. I used to be a big fan of Consumer Reports but then I took a statistics course. Consumer reports gets the data from the folks that return the surveys, which are a subset of the subscribers. The subscribers presumably read the magazine. What y...
by winterescape
Mon May 07, 2007 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Automobile TCO
Replies: 13
Views: 4311

There is a book published by http://www.intellichoice.com/ called the “The Complete Car Cost Guide” that tries to take all ownership costs into account. Our local library has the book in the reference section and most of the info is available on line at the above link. On issue to watch for is retai...
by winterescape
Sun May 06, 2007 4:14 pm
Forum: Investing - Theory, News & General
Topic: What is your fall-back strategy?
Replies: 17
Views: 5564

I like your plan, sounds like a solid one. My wife is more interested in our investments and investment strategy. That said, my simple backup plan that I communicated to her was to put half in Vanguard GNMA and the other half in Vanguard total mkt index. It would be great if the tax deferred half wa...
by winterescape
Sun May 06, 2007 9:43 am
Forum: Investing - Theory, News & General
Topic: FYI: WSJ's Clements on fundamental indexing
Replies: 13
Views: 4984

I thought that any time inefficiency in the market was made public the market would work in such a way as to close the gap? Is fundamental indexing not just another example in the long list of things that worked well until they became well known? Dogs of the Dow, December effect, etc, etc…won’t any ...
by winterescape
Sat May 05, 2007 10:50 am
Forum: Investing - Theory, News & General
Topic: High fee 401(k) vs tax-efficiency
Replies: 13
Views: 3175

Umm yeah but… Please think about that 2%. Theses are all made up numbers just for the point of the discussion… If you are not eligible for ROTHS than lets guess that you each make $90K /yr and you each max out 401K contributions putting your AGI close to the ROTH AGI limit. If she has saved $50K so ...
by winterescape
Sat May 05, 2007 10:12 am
Forum: Investing - Theory, News & General
Topic: High fee 401(k) vs tax-efficiency
Replies: 13
Views: 3175

1) Is there any employer match 2) Is your Adjusted Gross Income below the threshold for full participation in a ROTH IRA? If the answer to the above questions are “no” then you might consider a traditional IRA. Many folks consider the interpretation of the tax code to be that if you do not participa...
by winterescape
Fri May 04, 2007 2:21 pm
Forum: Investing - Theory, News & General
Topic: Total Return Charts
Replies: 24
Views: 14987

Msn

http://moneycentral.msn.com/investor/ch ... mbol=vtsmx

It is not just price it is total return, if you are lacking the advanced charts just reload it...
by winterescape
Thu May 03, 2007 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: My Financial Plan - Welcome Any & All Comments!
Replies: 10
Views: 3521

Helot, Thanks for the link, interesting article. Congratulations on being expectant parents! Also, congrats on being debt free, I feel that is a big psychological issue and a great accomplishment. The funds and placement look sound. You might consider new after tax money going into Total market inde...
by winterescape
Tue May 01, 2007 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: My Financial Plan - Welcome Any & All Comments!
Replies: 10
Views: 3521

Re: My Financial Plan - Welcome Any & All Comments!

Helot wrote: Leave it to me to wait till the end of a historic run up in home prices to consider purchasing a home.
An interesting graph that was recently posted on the topic of housing prices…

http://www.speculativebubble.com/images/homevalues1.gif
by winterescape
Tue May 01, 2007 9:10 am
Forum: Investing - Help with Personal Investments
Topic: 529 Education Savings
Replies: 5
Views: 2106

Without the tax advantage you are wide open, check out:
http://www.savingforcollege.com/

Joe Hurley wrote the book “The Best Way to Save for College – A Complete Guide to 529 Plans” you can get it at your local library. This book, as well as the web site, compares all of the 529 plans …
by winterescape
Mon Apr 30, 2007 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation new vanguard investor
Replies: 6
Views: 2141

Andy, To get you in the ballpark take a look at the asset allocation of the Vanguard target retirement fund that most closely aligns with your target retirement date. Even if you decide to develop your own allocation this will give you a starting point. The 2025 Fund might be close and is at 80% sto...
by winterescape
Mon Apr 23, 2007 9:19 am
Forum: Investing - Theory, News & General
Topic: What They're Taking From Your 401(k)
Replies: 13
Views: 4210

I think I have both ends of the spectrum. I hold a 401K from a previous employer that at one time was rated one of the 10 best 401Ks by Money Magazine. It offers “core” holdings in the asset classes you would expect, S&P 500 index, Leman bros bond index, EAFE index, and a Stable value fund that is c...
by winterescape
Sun Apr 22, 2007 10:34 am
Forum: Investing - Theory, News & General
Topic: Reinvestment of dividends in taxable accounts
Replies: 27
Views: 11770

I am in agreement with the above responses; reinvest the dividends on your own. I can add one more advantage and that is the transition from saving to spending. You already have an income stream from your investments when you chose to discontinue reinvesting the distributions…..
by winterescape
Sat Apr 21, 2007 9:07 am
Forum: Investing - Theory, News & General
Topic: S&P is now positive for the millenium
Replies: 24
Views: 8711

MSN money shows the return for the vanguard S&P 500 index for the period you stated to be 8% with the total return for the past 10 years ended 4/21/07 to be 106%

http://moneycentral.msn.com/investor/ch ... mbol=VFINX