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  Topic: Where can I buy a grain cleaner?
oldguy

Replies: 2
Views: 59

Post image iconForum: The Blue Room   Posted: Mon May 22, 2017 4:54 pm   Subject: Where can I buy a grain cleaner?
They are called fanning mills. Google it, they come in all sizes from a small hand cranked table model to a huge commercial truck mounted machine. And any size in between.
  Topic: Need help with deciding on mutual funds package for IRA
oldguy

Replies: 5
Views: 412

Post image iconForum: Retirement Planning   Posted: Sun May 14, 2017 11:14 pm   Subject: Need help with deciding on mutual funds package for IRA
I had S&P 500 Index with vanguard but didn't know much about it, until now.

IMO, would be best to go back to that position - an SP500 Index Fund with Vanguard (or Fidelity) has very low cost ...
  Topic: Need help with deciding on mutual funds package for IRA
oldguy

Replies: 5
Views: 412

Post image iconForum: Retirement Planning   Posted: Sun May 14, 2017 5:24 pm   Subject: Need help with deciding on mutual funds package for IRA
fees, like 1.35%. If I had millions, I wouldn't worry about that fee, but I don't.

Well, as an old wealthy retiree, I can tell you that we also worry about fees - eg, a 1.35% fee costs $13,500 per ...
  Topic: Tax diversification - In plan roth conversion
oldguy

Replies: 2
Views: 531

Post image iconForum: Retirement Planning   Posted: Mon May 08, 2017 6:52 pm   Subject: Tax diversification - In plan roth conversion
You are high earners, because of that I would use only the tax-deferred 401k and pay the taxes as late as possible. With the Roth you are now prepaying your taxes at the maximum rate. But if you wait ...
  Topic: What exactly is the true cost of raising a family?
oldguy

Replies: 2
Views: 529

Post image iconForum: Personal Finance   Posted: Mon May 08, 2017 3:55 pm   Subject: What exactly is the true cost of raising a family?
the proposal and ring average of $5,000, the average wedding cost itself is $30,000, then the average cost of honeymoon is $10,000, that itself is $45,000 starting out. My question is where are people ...
  Topic: First Property Investment
oldguy

Replies: 1
Views: 980

Post image iconForum: Investing, Stocks and Bonds   Posted: Mon May 08, 2017 3:18 pm   Subject: First Property Investment
Studies have been done on lottery winners (and inheritances, legal awards, etc). On average, a winner blows thru the money in 7 years - they are conditioned to weekly pay, and are unable to manage lu ...
  Topic: IRA Questions
oldguy

Replies: 1
Views: 641

Post image iconForum: Retirement Planning   Posted: Thu May 04, 2017 8:37 pm   Subject: IRA Questions
and I would like to know what you guys think would be best for me?

Most of us are given about 30 years for wealth-building, followed by a transition to wealth-preservation (hopefully for another ...
  Topic: Should I work less days to pursue my dream career?
oldguy

Replies: 1
Views: 803

Post image iconForum: Personal Finance   Posted: Thu Apr 27, 2017 4:16 pm   Subject: Should I work less days to pursue my dream career?
to reclaim some time back for creativity and, well, just living. (We only live one life, right? Don't want to just give all my life to work!)

lol, is that what millennials call First World proble ...
  Topic: What do you think is the best retirement plan and where to i
oldguy

Replies: 1
Views: 1000

Post image iconForum: Retirement Planning   Posted: Tue Apr 18, 2017 3:09 pm   Subject: What do you think is the best retirement plan and where to i
I used the SP500 Index Fund - mine was inside a 401k but you can use any holding account, ie, IRA, brokerage account, etc.
The longterm average SP500 return is 11%/yr, if you invest $18,000/yr, the ...
  Topic: Where to put my savings?
oldguy

Replies: 9
Views: 1542

Post image iconForum: Personal Finance   Posted: Mon Apr 17, 2017 5:13 pm   Subject: Where to put my savings?
many charge certain fees for trading, similar to the fees that conventional financial advisors would charge. Any suggestions on a company with little to no fees?

I like Vanguard and Fidelity, they ...
  Topic: Where to put my savings?
oldguy

Replies: 9
Views: 1542

Post image iconForum: Personal Finance   Posted: Mon Apr 17, 2017 2:52 pm   Subject: Where to put my savings?
I don't trust enough to invest it myself, so is my best move to meet with a financial advisor from a random company?

No, most of us had to educate ourselves to become wealthy. And the reason is l ...
  Topic: How to treat 149k loan
oldguy

Replies: 4
Views: 1794

Post image iconForum: Personal Finance   Posted: Fri Apr 14, 2017 11:51 pm   Subject: How to treat 149k loan
I dont know anything about loans so how can i get it down to about $400-$500 a month?

You can't get it that low. EG, if you you got a 30 year, 2.5%, fixed rate loan, the payment would be $589/m. ...
  Topic: How am I doing?
oldguy

Replies: 2
Views: 2012

Post image iconForum: Personal Finance   Posted: Tue Apr 11, 2017 4:52 pm   Subject: How am I doing?
Once the debt is paid off I want to increase savings in some combination of 401k, RothIRA and Mutual Fund.

The key metrics for you are 'time' and 'rate". In your case, 'time' is about 30 yrs. (Mo ...
  Topic: Query related to mortgage application
oldguy

Replies: 2
Views: 2145

Post image iconForum: Credit & Loans   Posted: Sat Apr 08, 2017 6:38 pm   Subject: Query related to mortgage application
In the case of a Non-Canadian, what are the factors which decide the interest rate? How will they calculate the down payment he has to pay?

I don't have any specifics to offer to you - but "risk an ...
  Topic: Balancing a portfolio between retirement and regular account
oldguy

Replies: 3
Views: 2078

Post image iconForum: Retirement Planning   Posted: Thu Apr 06, 2017 4:06 pm   Subject: Balancing a portfolio between retirement and regular account
I am at around 65:35 now (I am 62). I was just trying to make the question simpler!

Good job!
 
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