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jtdavid

jtdavid

Just have him use the $80k to purchase a SPIA. Then you won't have to support him near as much.

jtdavid

About six months ago I simply sent a secure message to Vanguard asking them to stop showing me the PAS advertisements and they quickly complied. Problem solved.

jtdavid

My first reaction to your post was "Why increase your EF?"

jtdavid

OP: Respectfully, based on these questions you should really stick with a LifeStrategy fund...

jtdavid

Over $200k...

jtdavid

I inquired about 10 days ago and freetaxusa informed me that the issue was fixed and efiles are now available. Thanks.

jtdavid

20+ year user of Quicken here. I used to track a lot of detailed expense accounts, but realized 1) it didn't accomplish anything for me, and 2) I ran into a lot of issues where expenses could go in either category. If you shop at Walmart and buy clothes and groceries in the same shopping trip, are y...

jtdavid

Just wanted to check in here. I have had good luck with freetaxusa.com for my personal taxes. This year they are telling me I can't efile my return because of this new basis computation requirement. I was hoping this would change so I can efile by April 15. Anyone in this situation having any luck e...

jtdavid

Just wanted to check in here. I have had good luck with freetaxusa.com for my personal taxes. This year they are telling me I can't efile because of this basis computation requirement. I was hoping this would change so I can efile by April 15. Anyone in this situation having any luck efiling this ye...

jtdavid

I don't like the indicator because the ratio would change depending on how many companies were public vs private.

jtdavid

If you are making a move like this in an IRA, it shouldn't matter when you do it. I would pull the trigger.

jtdavid

I would invest according to your AA. Your emergency fund is enough.

jtdavid

I'd put the $1M in cash in Target Retirement Income Fund if I were you....

jtdavid

Have your parents sell the house to you and carry back a note for the entire value of the house. Interest rate on the note can be very low. And have them forgive $30k of the note balance per year.

jtdavid

The Vanguard Tax-Managed Balanced Fund tries to be about 50/50. I've always thought it was curious that it doesn't match the Vanguard Balanced Index Fund, which is 60/40, of course. I've wondered about it too. The origins of the "60/40" portfolio continue to be a little mysterious to me. ...

jtdavid

Whats your marginal tax rate?

jtdavid

If you message Vanguard they will stop bothering you with the annoying PAS ads.

jtdavid

I've been happy with US Mobile. They have an unlimited minutes/text plan with 5 gb of data for less than $20 after all taxes and fees. I don't think they deprioritize speed on this plan either.

jtdavid

People are going to want to know the interest rates on the different debts...

jtdavid

Wells. Twice.

jtdavid

"Why did my fund drop in value?" (on an ex-dividend day...)

jtdavid

I tried Mint Mobile but couldn't get good coverage in my area. Have been happy with US Mobile. They have a 3.5 gb plan with unlimited text and minutes for less than $20 a line after all taxes and fees. And the data speed doesn't appear to be deprioritized..

jtdavid

My plan is similar...invest in LifeStrategy Growth fund, then about 5 years out from planned retirement start investing new monies in Target Retirement Income...first several years of retirement draws will be made out of the TRI bucket while dividends from LSG will be redirected to TRI as well...kin...

jtdavid

Bandon. Not cheap, but worth it.

jtdavid

Pay off the car loan.

jtdavid

We went the week before Thanksgiving 2019 and went back the same week in 2020. Had a great time. I would suggest two days are needed to fully explore Universal. The skip the line (Universal Express) tickets are worth it. Any time over two days I would suggest the different Disney parks. And Sea Worl...

jtdavid

Vanguard Target Retirement Income should do the trick.

jtdavid

I've leased a BMW in the past. Purchased it for 90% of MSRP and put it back to the dealership at 63% of original MSRP after three years. So 9% depreciation per year. I think it was a pretty good deal as the car booked out at 50% of original MSRP at the time. I think it's pretty hard to get a lease t...

jtdavid

Here's something I didn't realize until a few months ago: Do you know what the largest subsector of the Vanguard REIT Index fund is? Cell phone towers (15%). The next largest sectors are Healthcare, Apartments, and Industrial (about 10% each). And 7% of its holdings are in Data Centers.

jtdavid

My firm is currently borrowing from Schwab at 1.30%.

jtdavid

1210sda wrote: ↑Tue Nov 17, 2020 10:38 am
KlangFool wrote: ↑Tue Nov 17, 2020 9:49 am OP,

You should choose a target retirement fund and/or a Vanguard Life Strategy fund.

KlangFool
I second this !!!

+1000. Look at Target Retirement Income fund or Life strategy Conservative Growth.

jtdavid

1. Age 34
2. Age 19. I started investing when the markets tanked on 9/11. I believe my first investments were SPY and MDY in an account at Datek. I moved to Vanguard a year or two later.
3. No gifts/inheritance

jtdavid

US Mobile

jtdavid

Sure would be nice to have been able to read this thread without it being junked up by a couple ongoing "Mac vs PC" arguments...wish you guys would take your back and forth to a separate thread or private messages instead of clogging up this thread. Maybe one of the mods could encourage th...

jtdavid

VTWAX only.

jtdavid

Make a concerted effort to simplify your portfolio. I suggest moving all your IRAs to LifeStrategy or Target Retirement funds. Less to fiddle with.

jtdavid

These are two separate "types" of income and will be treated separately on the K1. You cannot offset active income with passive losses.

jtdavid

Base is $10 for electric. $25 for gas.

jtdavid

I've had pretty good luck with Youtube TV. I recommend it.

jtdavid

How about the option of keeping/investing the cash, and doing a no cost refinance right now to get your rate down to the 2.75% range? That should be the baseline case.

jtdavid

There is no evidence. Just another wild accusation based on fiction. Wild accusation? It is common knowledge that the average mutual fund investor does worse than the funds they invest in due to timing and behavioral mistakes. There are tons of studies that indicate this. https://www.google.com/amp...

jtdavid

As was pointed out multiple times in this thread, the end results of 30 years of investment are only valid if one succeeds to stay the course, with no troublesome unemployment period and no behavioral issue. Those things happen in real life, unfortunately, and more often than not, at a pretty bad t...

jtdavid

Obviously, in the past, stocks have beaten bonds, so a buy and hold investor in the accumulating phase who was 100% equity outperformed a 70/30 investor in any of these charts using historical data. But in the real world, with real people acting emotionally and irrationally at times, I agree that t...

jtdavid

Obviously, in the past, stocks have beaten bonds, so a buy and hold investor in the accumulating phase who was 100% equity outperformed a 70/30 investor in any of these charts using historical data. But in the real world, with real people acting emotionally and irrationally at times, I agree that t...

jtdavid

Obviously, in the past, stocks have beaten bonds, so a buy and hold investor in the accumulating phase who was 100% equity outperformed a 70/30 investor in any of these charts using historical data. But in the real world, with real people acting emotionally and irrationally at times, I agree that th...

jtdavid

Emailed my LenderFi loan officer from my January 2020 refinance. Despite the website disclaimer indicating no new loans, he locked me in a new "no-cost" 30 year fixed loan at 2.75%. Its a pretty big loan and about a 50% LTV. Very pleased. I also had a refi through them in January and emai...

jtdavid

Emailed my LenderFi loan officer from my January 2020 refinance. Despite the website disclaimer indicating no new loans, he locked me in a new "no-cost" 30 year fixed loan at 2.75%. Its a pretty big loan and about a 50% LTV. Very pleased.

jtdavid

What kind of car?

jtdavid

Sounds like things are on cruise control for you. Things could be a lot worse. Count your blessings.

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