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I revamped our portfolio this fall with the intent of simplifying it. I settled on the total market approach. Update: Here is my most recent asset allocation update. My final percentages were a cross between the strategy of the Vanguard Target Retirement funds (specifically the 2045 fund) and Taylor Larimore’s four fund portfolio at the […]
How Do I Organize 181 Accounts?
Posted byHow exactly do I stay organized with 89 credit accounts, 31 bank accounts, 29 investment accounts and 32 other accounts (not including 14 accounts for the kids and numerous accounts for family members)? That’s what readers wanted to know when I started to describe some of the details of our accounts. I’ll highlight my various […]
Why Am I Unpopular at Christmas?
Posted byCreating a Special Needs Trust
Posted byWe recently set up a special needs trust for for a family member. It is an important part of planning for the future of a disabled individual and has large consequences if done incorrectly. Special Needs Trust Special needs trusts, or supplemental needs trusts, provide the means to care for a disabled child (or adult) after the […]
Bank IPOs: Mutual to stock conversions
Posted byFor today’s Dollar-a-day challenge I closed a savings account that was originally opened at a mutual bank. Since that bank has converted I can move the money elsewhere where it will earn interest at a more competitive rate. Getting in on stock initial public offerings (IPOs) is rather difficult. Mutual bank conversions, however, provide a […]