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  Topic: Windfall advice for dad - Serious help needed
oldguy

Replies: 4
Views: 959

Post image iconForum: Personal Finance   Posted: Tue Oct 17, 2017 3:37 pm   Subject: Windfall advice for dad - Serious help needed
I like his plan to move out of CA, his $60k and his $1200 /m will stretch much farther.
But I don't agree with investing in real estate - trailers lose value - and they are often money pits - septic, ...
  Topic: Put Money towards car or home loan
oldguy

Replies: 5
Views: 494

Post image iconForum: Personal Finance   Posted: Sat Oct 07, 2017 2:52 pm   Subject: Put Money towards car or home loan
Yes, the SP500 fund is what I use, it has a longterm average return of about 11% per yr
  Topic: Put Money towards car or home loan
oldguy

Replies: 5
Views: 494

Post image iconForum: Personal Finance   Posted: Sat Oct 07, 2017 2:36 am   Subject: Put Money towards car or home loan
Depends on your goal - build wealth or prepay debt?

To build wealth you need to keep your capital and put it to work. Ie, if you spend your money on debt it won't be available for building wealth. ...
  Topic: Traditional IRA and mortgage payment
oldguy

Replies: 1
Views: 443

Post image iconForum: Taxes   Posted: Sun Sep 24, 2017 5:40 pm   Subject: Traditional IRA and mortgage payment
I can do that but! The only funds I have are in my traditional IRA.

Oh - you must have decided against selling the rental? Is that idea now "off the table"? - that would be your best way to rais ...
  Topic: On the edge of retirement - has my plan missed anything
oldguy

Replies: 3
Views: 2005

Post image iconForum: Retirement Planning   Posted: Fri Sep 15, 2017 6:46 pm   Subject: On the edge of retirement - has my plan missed anything
$380K cash (due to a combination of being able to sleep at night

I retired about 19 years ago. After setting aside some cash, I learned that NOT being invested kept me awake, lol. I had been fully ...
  Topic: newbie with retirement questions.
oldguy

Replies: 15
Views: 2002

Post image iconForum: Retirement Planning   Posted: Wed Sep 13, 2017 11:30 pm   Subject: newbie with retirement questions.
...what your saying is my guy isnt very good...

lol - well, you said that his selections didn't make money during the last two years - but the general market went up about 35% in those two years? ...
  Topic: newbie with retirement questions.
oldguy

Replies: 15
Views: 2002

Post image iconForum: Retirement Planning   Posted: Wed Sep 13, 2017 6:24 pm   Subject: newbie with retirement questions.
he says he agrees with the no load fund companies......IF the overall market wasnt at all time highs......

Today the market is 22,000 (the Dow30). In 16 years (Year 2033) it should be at about 101 ...
  Topic: newbie with retirement questions.
oldguy

Replies: 15
Views: 2002

Post image iconForum: Retirement Planning   Posted: Tue Sep 12, 2017 5:50 pm   Subject: newbie with retirement questions.
taking from the savings and investing in this franklin fund.

I would recommend against that. Franklin Templeton sells mostly bundled mutual funds - that are Class A (high fees), they trade in ann ...
  Topic: newbie with retirement questions.
oldguy

Replies: 15
Views: 2002

Post image iconForum: Retirement Planning   Posted: Thu Sep 07, 2017 5:33 pm   Subject: newbie with retirement questions.
I googled Franklin fund, they list just over 100 fund-types so you can choose growth, income, big companies, mid-size, small. Or sectors, eg, automobiles, electronics, banks, finance, energy, retail s ...
  Topic: Personal Finance Formula Assessment Request
oldguy

Replies: 12
Views: 18200

Post image iconForum: Personal Finance   Posted: Wed Sep 06, 2017 4:47 pm   Subject: Personal Finance Formula Assessment Request
Very Happy
  Topic: newbie with retirement questions.
oldguy

Replies: 15
Views: 2002

Post image iconForum: Retirement Planning   Posted: Wed Sep 06, 2017 4:06 pm   Subject: newbie with retirement questions.
BTW, you said that your investor's pick didn't do much for the last 2 years? The Dow Jones Average went from 16,000 to 21800 in the last 2 years, that is a 35% increase. I would say that s/he is a ...
  Topic: newbie with retirement questions.
oldguy

Replies: 15
Views: 2002

Post image iconForum: Retirement Planning   Posted: Tue Sep 05, 2017 11:21 pm   Subject: newbie with retirement questions.
always felt cash is king......especially in this volatile world.

My question is , what advice do some of you folks have as far as holding onto the cash vs investing it in todays world.

You've d ...
  Topic: Our Retirement Plan - Are We Ready Financially?
oldguy

Replies: 4
Views: 1072

Post image iconForum: Retirement Planning   Posted: Sun Sep 03, 2017 5:52 pm   Subject: Our Retirement Plan - Are We Ready Financially?
We have $700,000 in a nest egg and $35,000 in savings. Nest egg is 80% stocks, 20% bonds

One option would be to refinance the house with a 30 year, fixed rate loan, probably under 4%. And add that ...
  Topic: Please, help!
oldguy

Replies: 3
Views: 684

Post image iconForum: Investing, Stocks and Bonds   Posted: Sun Sep 03, 2017 4:59 pm   Subject: Please, help!
502,000 shares. (That isn't one of the available answers).
  Topic: Overall financial advice
oldguy

Replies: 5
Views: 964

Post image iconForum: Personal Finance   Posted: Sat Aug 26, 2017 1:26 am   Subject: Overall financial advice
• 403(b) - Contribute $400 a month pre-tax, ~25k current balance
• Roth IRA - Contribute $100 a month, ~3.5k current balance


That $6000/yr for 20 years on top of your $28.5k balance, will be ...
 
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