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I also should have noted that I am still working, and plan to for perhaps another 10 years...

In recent years my wife and I have become subject to AMT. This caused me to run our 2014 taxes both with and without our brokerage account dividend income to understand how our dividend income is impacting our overall tax liability. It turns out we're paying close to 30% effective tax rate on...

My target allocation has 2.5% US REITS and 2% foreign REITS. I had originally set these targets higher, but read something here that their are 'hidden' REIT allocations within standard indexes.

Got them all right, but got #11 correct for the wrong reason :blush:

23,120... been to a lot of the western european ones, but didn't do so well on the eastern cities.

As handle indicates, 2019 was original target. Maybe revise to 2020 per Mr Market (and that's probably optimistic)

Good point. I looked into this issue using VFINX as a proxy for US and VEURX as a proxy for foreign. According to yahoo finance, here are the dividend yields for each fund from 1990-2008 based on the closing price when each dividend was paid (hopefully this displays well): VEURX 1990 - 1.6%...

LOL - to your question on keeping the proportions similar between accounts... I've never actually targeted this, but for whatever reason they're all pretty similar (around 35-40% foreign). I guess the reason I'd like some level of both foreign and US equities in each account type is due to the...

Recently I’ve been giving some thought to how my domestic/foreign equities are allocated between my various account types. Historically I’ve tried to allocate the highest yielding assets to the retirement accounts in order to minimize taxes since I just end up reinvesting the proceeds anyway...

Thanks for the citation lazy. Seems pretty clear they're looking for who benefits from the $$ in the end...

Agreed. But you try taking estate matters with a late-80s, depression era WWII vet! ;) Btw - family is working with an trusts & estates lawyer. As an extended family member I haven't been involved in those discussions, but have heard some stuff second hand. And his direction is consistent with...

Does anyone have experience or an understanding of the methods for tax efficiently transitioning assets to family members? I am already aware of the annual gifting exemptions (currently 12k) and lifetime gift exemption (currently $1M, but reduces estate exemption at death). Specifically, are...

529 comparisons aside... my understanding was also that the first $850 of income per child is not taxed... https://www.smithbarney.com/products_services/planning_services/education_planning/custodial_accounts.html

"Time, not money, is the real commodity in life," said Dixon, relaxing in the salon of his boat as a sea lion barked nearby. Couldn't have said it better myself. ;)

Umm, have you seen the increases in farm rents the last few years??? I have family members who own midwest farm land, and the land prices are up about 50% in the last year... With crop prices so high right now you wouldn't have any trouble moving a farm.

I like it with milk! ;D

Good point. I find that I need at least one warm weather excursion a year to keep my sanity (and even then it's a tenuous sanity!). I guarantee once I ER I'll be somewhere where I get my fair shot at a winter sunburn. Now if anybody has a couple extra million lying around I'd be happy to give...

Mmm, salmon. Time to get the grill out! :)

Seems crazy to walk away from that kind of money, but like others that's coming from someone who doesn't have the option. ;) I believe I'd spend the next 12 months working in a Guatemalan slaughterhouse for 100k a month. Okay, maybe that's going a little too far (or not). :laugh:

Ha, just think of the fuel costs I've saved already on mowing, keeping my 'personal rate of inflation' down ;) Heh, every bit counts.

(sigh) if only it were that easy... at least the snow's gone now, spring is on the way ;)

Sure some items have doubled, but overall??? Certainly hasn't been the case for me. FWIW, I bought my house in 2001 and it's currenly worth about 20-25% more, not everybody lives in SoCal or the NE! Other significant items, such as automobiles have increased at a reasonably slow rate. As...

As others have mentioned many times before, the CPI clearly understates the actual rate of inflation experienced by most people. However, when I look at the chart at the bottom of this article, I wonder how the calculation worked prior to 1983. It appears this calculation results in about 10%...

Sounds like a fun (late) winter getaway. Had to laugh that a lot of your stimulus payment went to the Mexican economy. That's about as unpatriotic as ER! ;)

Probably some truth in this, although look at most large densely populated urban areas (SF plus all the cities I noted and more - high RE prices, high wages) versus rural areas (both low). Clearly there's decent correlation if you look at every US city - perhaps somewhat less causation amongst...