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It is currently Fri May 06, 2016 6:01 am



Viewing profile - Bichon Frise

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Bichon Frise
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Joined: Fri May 04, 2012 2:23 pm
Last visited: Fri Apr 29, 2016 6:59 am
Total posts: 1055
[1.19% of all posts / 0.72 posts per day]
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Most active forum: Personal Finance
[ 955 Posts / 90.52% of user’s posts ]
Most active topic: Trying to plan for my taxes next year
[ 17 Posts / 1.61% of user’s posts ]

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Bichon Frise

"If you only have 1 year to live, move to Penn...as it will seem like an eternity."

avocado wrote:
Good to see you back, I was starting to miss your incisive commentary!

Bichon Frise Posts

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 Forum: Personal Finance   Topic: Does shifting allocation for retirement always make sense?

Posted: Wed Apr 27, 2016 2:29 pm 

Replies: 9
Views: 384


You'll want to do some type of shifting. Typically, retirees invest in something like VG's wellington or wellseley. They play around that 60/40, 40/60 split. So, in avocado's example and methodology, you would want like 20% bonds. But, I wouldn't recommend less the 20% bonds at that point anyway. Bu...

 Forum: Personal Finance   Topic: Need investment advice - $200k

Posted: Thu Apr 07, 2016 2:42 pm 

Replies: 17
Views: 5254


WORST. ADVICE. EVER. Educate yourself...Which,..., can easily be done in a week or 2. WORST. EXAGGERATION. EVER. Sigh! Let's see, my advice was seek out and properly vet a professional who has to be degreed and have sat for an exam (versus anyone who can hang a shingle and claim to be a financial a...

 Forum: Personal Finance   Topic: Need investment advice - $200k

Posted: Thu Apr 07, 2016 6:39 am 

Replies: 17
Views: 5254


IMHO you have enough complications and enough assets to seek true, professional advice to look at your entire financial picture. I strongly suggest a Certified Financial Planner (CFP) who you've vetted through the CFP website and picked after you've interviewed a couple (and during the interview th...

 Forum: Personal Finance   Topic: Need investment advice - $200k

Posted: Tue Mar 29, 2016 7:32 am 

Replies: 17
Views: 5254


I'm considering Robo-investors (Wealthfront, Betterment, Vanguard etc) vs a human financial manager. Can you advise on the pros/cons of robo-investors vs humans, and also the mortgage payoff etc. Also, I prefer having a wealth management firm help me since a) I'm very new to investing, and b) have ...

 Forum: Personal Finance   Topic: Need new car- need advice

Posted: Mon Mar 21, 2016 8:37 am 

Replies: 8
Views: 1393


I'd be changing my tune if the guy was struggling but clearly he has set aside cash for this. Where do we draw the line at saving and quality of life? I'm not attempting to answer this question. In fact, I've said, if someone wants a new car, go buy it. But, justifying it because of a 3rd child (ju...

 Forum: Personal Finance   Topic: Need new car- need advice

Posted: Sun Mar 20, 2016 8:35 pm 

Replies: 8
Views: 1393


Although physical space is something that can be fixed, I've found that often times it's passenger seating that's needed. If it were 2 kids, then yeah, maybe it's overkill; but you have 3 kids and that pretty much guarantees you can only ever have 1 additional passenger, unless someone is home with...

 Forum: Personal Finance   Topic: Need new car- need advice

Posted: Sun Mar 20, 2016 2:58 pm 

Replies: 8
Views: 1393


buy new car seats to fit 3 across in the crv. better to spend a $1000 or so in car seats one time than to justify buying a bigger vehicle. which, with low gas prices, the bigger vehicles are not coming cheap. a new suburban runs $60-$70k. unless you just want a bigger vehicle, then say that. but try...

 Forum: Personal Finance   Topic: How much money should a “fully-funded” 529 account contain?

Posted: Sun Mar 06, 2016 10:04 pm 

Replies: 4
Views: 1002


Did you ask your wife for your pants back? 529's are a poor use of money, imo. who knows what your kids are going to do? or what scholarships they may receive? and if they decide to snort away all you've saved for them, they'll have 10% less nose candy. Or maybe they'll have the same, and you'll eat...

 Forum: Personal Finance   Topic: Time of Year to Contribute IRA

Posted: Tue Feb 09, 2016 1:27 am 

Replies: 6
Views: 969


invest when you have the money. IRa's are easily "undone" up until your tax filing deadline, and that includes any extension. 401ks need to be done to maximize your employer match, if any. plans vary so dig into the details. you need to research more about being sponsored by an employer pl...

 Forum: Personal Finance   Topic: Maintain car or buy new one?

Posted: Fri Feb 05, 2016 12:53 pm 

Replies: 3
Views: 1696


Ultimately, only you can decide what it is worth to you. Personally, I would love a new vehicle, but I just can't ever bring myself to do it. We just shopped for a new suburban and new they run over $60k. I eventually reeled in me and my spouse and we put a stop to it. The beauty of fixing up your c...

 Forum: Personal Finance   Topic: About to open a Vanguard Roth IRA.

Posted: Thu Jan 28, 2016 10:01 am 

Replies: 2
Views: 5666


2050 should be ok. It certainly isn't "wrong" right now. Need more details to make better recommendation. IRA contributions aren't reported on form 1040 (normal tax return form for individuals). Nor is there any form the individual files with their return. Rather, as I think sdrocker was a...

 Forum: Personal Finance   Topic: How to Understand Low Mortgage Rate vs Lower House Price

Posted: Fri Jan 22, 2016 10:55 am 

Replies: 9
Views: 8346


do the math and calculate what the total out lying cost would be. or if just looking at payments, what the difference is there. I'm sure there are calculators on the interwebz which will do it for you. Then there are questions like: will you invest the difference and what assumption of your return w...

 Forum: Personal Finance   Topic: How do you avoid panic and stay the course?

Posted: Thu Jan 14, 2016 7:53 am 

Replies: 6
Views: 5914


Think about what you can control as an investor who plays the entire market. The answer is very little to nothing in terms of share price/stock market performance. One thing you can control is how often you check your accounts and read the news. It's hard, trust me. I just dropped a lot (relatively)...

 Forum: Personal Finance   Topic: Bad 401k plan question

 Post subject: Re: Bad 401k plan question
Posted: Tue Jan 05, 2016 8:06 am 

Replies: 1
Views: 4908


if you own a business and meet various criteria (only you are the owner, no employees, there are some exceptions), you may have a SEP or solo 401k. But the short answer to your question is, no - you can't go do your own thing just because you don't like your employer's plan. Look for another job if ...
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