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Viewing profile - vanderbilt79

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vanderbilt79
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Joined: Fri Jun 22, 2007 10:40 am
Last visited: Tue Apr 16, 2013 7:26 am
Total posts: 35
[0.04% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 24 Posts / 68.57% of user’s posts ]
Most active topic: Question for Business Owners
[ 9 Posts / 25.71% of user’s posts ]

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Location: Longview, TX
Age: 36
Occupation: Entrepreneur
Interests: Baseball Collectibles
Website: http://www.earlyviewultrasound.com

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I just want to be something more than the mud in your eyes. I want to be the clay in your hands. - Mineral

vanderbilt79 Posts

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 Forum: Personal Finance   Topic: Question for Business Owners

Posted: Mon Nov 05, 2012 9:26 am 

Replies: 21
Views: 2712


I really appreciate your input, despite the crude judgements.

I found out that my wife's retirement is 100% stocks divided into 4 funds.

VPGIX
VPAOX
PRSVX
VPGRX

 Forum: Personal Finance   Topic: Question for Business Owners

Posted: Mon Nov 05, 2012 7:30 am 

Replies: 21
Views: 2712


That's not to say this forum discussion will lead to my final decision. That's b/c your mind was already made up before you ever posted here. $20k is not a lot. You cannot replicate the target date funds all in admiral funds. best case is: VTSAX 0.05 ER 55.1% AA = 0.02755% VGTSX 0.22 ER 23.6% AA = ...

 Forum: Personal Finance   Topic: Question for Business Owners

Posted: Sun Nov 04, 2012 2:58 pm 

Replies: 21
Views: 2712


a target date fund is a "fund of funds." It simply just owns other funds. They are quite transparent on which funds they hold and in which percentage. You have never really disclosed how much money we are dealing with here, but in general, the target date funds have a low minimum investme...

 Forum: Personal Finance   Topic: Question for Business Owners

Posted: Sun Nov 04, 2012 2:29 pm 

Replies: 21
Views: 2712


As i agree you should take in your Wife's plans for risk level into your over all plan (ie if she goes a 100% stock, and you go 70%, figuring equal numbers are invested, then your overall stock would be 85%.) However, what you may also want to do is sorta mirror a target date fund, without paying t...

 Forum: Personal Finance   Topic: Question for Business Owners

Posted: Sat Nov 03, 2012 11:00 am 

Replies: 21
Views: 2712


again, all assets between you and your wife should be considered. not just what you are rolling over from your defined benefit plan. It could end up instead of being 80/20 on your AA, you're 60/40, or maybe 95/5. My wife also has a retirement fund with her job. However, she will become a contract e...

 Forum: Personal Finance   Topic: Question for Business Owners

Posted: Fri Nov 02, 2012 1:22 pm 

Replies: 21
Views: 2712


I'm 33 years old. Since the suggested target fund is 80/20 for many years it seems like it could be the right choice.

Additional question, is there any benefit or drawback to waiting until after the election or the new year to contact Vanguard and roll it over?

 Forum: Personal Finance   Topic: Question for Business Owners

Posted: Fri Nov 02, 2012 12:42 pm 

Replies: 21
Views: 2712


I would not consider myself a hands on investor, though I like the idea of having the ability to make choices. I used Vanguard's questionnaire and it suggested 60% stock and 40% bond split. Personally I'm considering more of a 70% stock and 30% bond split because I'm in a position of trying to gain ...

 Forum: Personal Finance   Topic: Question for Business Owners

Posted: Fri Nov 02, 2012 12:16 pm 

Replies: 21
Views: 2712


My retirement fund is currently with TRS, however I've started a business and I am preparing to roll my current retirement fund into a Vanguard Target Fund. My questions is, when should I target my retirement? Should I just do the standard 65 even though I really have no idea when, or if I'll "...

 Forum: Personal Finance   Topic: Michael Belkin Prediction

 Post subject: Michael Belkin Prediction
Posted: Thu Nov 01, 2012 1:23 pm 

Replies: 5
Views: 1263


Curious if anyone else saw this video with Michael Belkin predicting a recession. Also, if you agree with his prediction, what would you do to protect your retirement fund?

http://live.wsj.com/video/michael-belkin-predicts-40-stock-market-drop/A1C9660A-0321-4E82-BA0E-EFD4CD092D40.html

 Forum: Personal Finance   Topic: Collecting vs saving goals

Posted: Fri Oct 26, 2012 4:19 pm 

Replies: 3
Views: 1283


As a fellow collector of baseball cards and memorabila, I have started to challenge myself in my collecting. I narrowed down my collection to more unique items and specific players. Before I too collected a wide variety. I also give myself a budget for a specified time period. For example, lets say ...

 Forum: General Discussion   Topic: Any Collectors Here?

 Post subject: Any Collectors Here?
Posted: Fri Oct 26, 2012 9:03 am 

Replies: 6
Views: 2202


I know GRS is geared towards frugality, but does anyone spend money on collectibles? Personally, as a baseball fan, I really enjoy collecting baseball memorabilia and cards. Most of the time it's a negative sum game, but every now and then money can be made. For me it's the enjoyment of the hobby th...

 Forum: Personal Finance   Topic: What to do with "Leftover" Capital

Posted: Thu Oct 25, 2012 10:30 am 

Replies: 2
Views: 1023


Now that the forum has helped me with my retirement fund situation, I have another question to present. I'm a small business owner and my doors have been open for for almost two years. Business isn't booming, but it's healthy and turning a profit. We have a good portion of our initial capital invest...

 Forum: Personal Finance   Topic: Career Transition Advice

Posted: Wed Oct 24, 2012 1:35 pm 

Replies: 23
Views: 6914


Thanks for all the discussion!

From the information and opinions I'm gathering, I am leaning towards rolling my TRS funds to Vanguard. Any recommendations on which fund to go with? Based on my age the Vanguard site suggested the Target Retirement 2045 Fund.

 Forum: Personal Finance   Topic: Career Transition Advice

Posted: Wed Oct 24, 2012 7:59 am 

Replies: 23
Views: 6914


I have read the Edward Jones fees are pretty steep. Good point on the face to face "sales".
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