Recent content by norisk

I’m 53 and thinking to retire in 2-3 years. No employer insurance. How to budget for medical expenses (premiums and deductibles) until Medicare kicks in? What if ACA goes away?

How do you end up paying no tax on long term capital gain? You stay under the capital gain income limit?

re-balancing question I posted my question earlier and got good suggestions! Thanks all who posted. The main point I got is to sell stocks/buy bonds in the IRA, thus bringing my overall AA to my preference. So this would end up being mostly holding bonds in the IRA and mostly stocks in the...

UPDATE on my re balancing question I posted earlier my dilemma about rebalancing. I have a bond allocation of only 18% for my risk tolerance. I'd like to be 30% or 40% in bonds. This is a taxable account. my AA in the tax-deferred accounts is pretty close to my optimal. To rebalance I have to...

Need help with this: my total non-retirement savings is currently allocated to 53% US stocks (VTI) and 18% of US bonds (the rest is 14% REIT, 7% gold and 7% of all world stocks). I know I am too heavy on stocks and not enough into bonds for my risk preference. I would ideally like to be 30%...

hi everyone, sorry if a related question has been asked I need to figure out how to invest money for my kid's private school. I need to pay 22K for 6 years, starting 1 year from now (I just made the first payment). I have the money - some in cash and some in various mutual funds (like...

it is K-12, actually will be 6-12. what does this mean exactly? with CD rates so low, I am looking for something that hopefully may be a little higher than CD rates, but lower risk than market. Does anyone have any experience with structured products? Like those CD-type things that have...

What is the best way to invest for private school? I just sold a house and cashed in on 140K, I need to pay 20K for the next 7 years starting next august (2015). What is a reasonable way to invest this, so I can withdraw 20K every year, plus have some growth to allow for inflation of tuition...

I need a reality check on my plan. My plan is this – I have a portfolio that would allow me to maintain the current level of expenses at about 5% withdrawal rate. I know 5% is quite high, especially in light of the recent discussion on the 4% thread, but I only need it to last 20 years because...

Did anyone o fyou out there retired (or plan to retire) in Hawaii on a budget? and if so - what is your budget (as detailed as possible). The winter is only starting on the east coast but I am already tired of it. So I keep myself occupied by dreaming of retiring to hawaii, but not sure we...

curious where are you going? I am also in Maryland.

This is something I remember (from my finance classes a long time ago, so my memory may be not fully accurate) is that it how different durations bonds react also depends on the shape of the yeild curve - meaning how long-term rates are different from short-term rates. Now short-term rates are...

Thanks for all these useful links and to all others who replied. BTW, in the same book I mentioned Swedroe says that stocks of commodity producers do not behave like commodity prices, but move more aligned with other stocks, so in terms of diversification they are aparatenly not as good as...

I am reading Swedroe's book on "The only guide to alternative investments you ever need" and he makes a point that commodities offer good diversification benefit (i.e. can reduce risk without lowering overall return, and perhaps even raising the return some). Do people here hold commodities...

I am making up my conservative AA and exploring permanent portfolio as someone has recommended to me. Do you hold a permanent portfolio PRPFX as part of your AA? if not - why not? if yes - what % of total AA is it? if you were to buy it now - would you? it has a high percent in gold and...