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Re: transfer out of an employer plan into Vanguard?

At 59 1/2 they can move most of their money to Vanguard (as long as the 401k allows it).
I did that every year until I no longer worked for the company and then moved all of the money to VG.

Almost there
by Almost there
Mon Jan 19, 2015 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: transfer out of an employer plan into Vanguard?
Replies: 1
Views: 326

Re: Let's Celebtate! Which funds are you buying in 2015?

Oh good. Just wondered if you are aware of it. I also have VWLTX.


Almost there
by Almost there
Tue Jan 06, 2015 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3585

Re: Let's Celebtate! Which funds are you buying in 2015?

by pacodelostigres » Tue Jan 06, 2015 2:10 pm Vanguard Long Term Tax Exempt Fund Investor Shares (VWLTX) until I get to Admiral in taxable. I just started on this and have $33k to go. Perhaps if you wanted Admiral Shares, you could have chosen Total Stock VTSAX, which only requires $10,000. Almost ...
by Almost there
Tue Jan 06, 2015 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3585

Re: Let's Celebtate! Which funds are you buying in 2015?

Thank you, Noobvestor.
Last year was a lot of Emerging Markets and some Total International - looks like this year is a lot of Total International and maybe some Emerging Markets.

LOL - now it at least I know how to proceed.

Almost there
by Almost there
Tue Jan 06, 2015 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3585

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

Thank you, normaldude. I remember speaking with the 401k administrator who had no idea what she was doing when she chose the 401k company. I thought it was strange at the time. Now I realize it is the norm. The decision should be handled by the controller of the company who might be more aware of th...
by Almost there
Tue Jan 06, 2015 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2845

Re: Let's Celebtate! Which funds are you buying in 2015?

Just bought Total Stock VTSAX

Almost there
by Almost there
Tue Jan 06, 2015 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3585

Good day to buy! (Or not!)

Either way, tomorrow you will know.

Almost there
by Almost there
Tue Jan 06, 2015 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Good day to buy! (Or not!)
Replies: 25
Views: 2570

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

Thank you, abyan, My favorite was the wife of a friend who incredulously told me that their adviser at Edward Jones doesn't charge them anything. Then she added, perhaps he charges them $25 or $50 per year, but that's it. and mptfan, I find it amazing that people actually believe that their advisor ...
by Almost there
Tue Jan 06, 2015 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2845

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

Thank you. I had not seen that commercial before. Presently I like the commercial where a dad is walking with his son and the son is asking him questions about the financial advisor and how much it cost and the dad answers that, he doesn't know. Very scary commercial. In the commercial the son is th...
by Almost there
Mon Jan 05, 2015 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2845

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

Thank you, Jeff7, for your reply. When I approach someone and inform them of the high fees they look at me as if I have 3 eyes and then inform me that THEIR financial advisor knows what he is talking about. Many years ago before I knew about VG, I was on EONS website (designed for people over 50) an...
by Almost there
Mon Jan 05, 2015 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2845

Speedy VG

On Friday afternoon, January 2, 2015, I went online and closed one of my accounts at VG and transferred the funds to 2 new accounts. Saturday morning, the funds were in both accounts, the closed account was no longer visible. On Sunday, I received my email notification that 3 statements were in my V...
by Almost there
Mon Jan 05, 2015 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Speedy VG
Replies: 0
Views: 315

Re: Protecting 401k Money During Rollover

Just rolled over my 401k to VG. The 401K company sent their check directly to VG and it took less than a week before it was in my account (I had alerted VG ahead of time that the funds would be transferred and my account was marked accordingly). Was very pleased with the transaction.

Almost there
by Almost there
Mon Jan 05, 2015 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Protecting 401k Money During Rollover
Replies: 12
Views: 1136

Re: There She Said It [Suze Orman recommends Vanguard]

I stopped watching her years ago and NEVER heard her mention Vanguard. Absolutely amazing.

Almost there
by Almost there
Mon Jan 05, 2015 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: There She Said It [Suze Orman recommends Vanguard]
Replies: 5
Views: 2357

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

To me it is always amazing how much people pay in fees for their 401k plans. My last 2 employers also didn't offer good choices and in both cases, HR had no idea on how to choose a 401K company with lower fees. A couple of months ago I took a look at my daughter-in-law's 401k plan and was truly agha...
by Almost there
Mon Jan 05, 2015 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2845

Re: Roth IRA

Thank you kmok for your input. It is very much appreciated.

Almost there
by Almost there
Mon Dec 15, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Roth IRA
Replies: 2
Views: 479

Re: Travelers Roadside Assistance

Thank you for your input.

Almost there
by Almost there
Thu Dec 11, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Travelers Roadside Assistance
Replies: 24
Views: 2058

Roth IRA

Just recently I was laid off from my job. Right now I am waiting for the last payment to be added to my Roth 401 K IRA by Transamerica. Then I will ask VG to transfer the funds to one of my VG Roth IRAs. Every year I have been transferring the max to my VG Roth IRAs using after-tax $. Just to clarif...
by Almost there
Wed Dec 10, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA
Replies: 2
Views: 479

Re: woman's bathrobe gift

Received my bathrobe from my partner at Christmas time and after 15 years it still looks new. He purchased it at LL Bean. Bathrobe is almost down to my ankles, has a zipper and hood. Still love it and it washes perfectly. Would highly recommend LL Bean.

Almost there
by Almost there
Wed Dec 10, 2014 12:06 pm
 
Forum: Personal Consumer Issues
Topic: woman's bathrobe gift
Replies: 7
Views: 839

Re: Travelers Roadside Assistance

Thanks, Toon, again for your input: Whats the worst thing that can happen if uou drop AAA and sign on to Travelers Roadside Assistance plan? If you aren't pleased you can always rejoin AAA. :happy I will save myself $120 and just go with Travelers. BTW = thank you everyone for your insights. They we...
by Almost there
Wed Dec 10, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Travelers Roadside Assistance
Replies: 24
Views: 2058

Re: Travelers Roadside Assistance

I know that many of you wrote using AAA for hotels, etc. I never do since my partner travels quite a bit and he has lots of points so we get to stay for free. So throughout the year I just don't ever use AAA, but in the back of my mind I hear: yeah but once you drop it you will need it again. Almost...
by Almost there
Tue Dec 09, 2014 5:17 pm
 
Forum: Personal Consumer Issues
Topic: Travelers Roadside Assistance
Replies: 24
Views: 2058

Re: Travelers Roadside Assistance

Thanks, Toons, for your answer. Used to use AAA, many years ago.I found them to be useful before the age of the internet for the "triptiks" I used to get.Now we use Geico roadside assistance,minimal costs for the year. :happy I gather that you have your auto insurance with Geico and not pa...
by Almost there
Mon Dec 08, 2014 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Travelers Roadside Assistance
Replies: 24
Views: 2058

Re: Travelers Roadside Assistance

Thank you everyone for your input though I still have not received a decisive answer. Perhaps there isn't one?

Almost there
by Almost there
Mon Dec 08, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Travelers Roadside Assistance
Replies: 24
Views: 2058

Travelers Roadside Assistance

For many years now I have subscribed to AAA ($120/year) for roadside assistance. At this point, I have not used it in 15+ years (and that is a good thing). This year I chose Travelers for car insurance since they offered me the best price. Along with it I received the Travelers Roadside Assistance c...
by Almost there
Sun Dec 07, 2014 6:14 pm
 
Forum: Personal Consumer Issues
Topic: Travelers Roadside Assistance
Replies: 24
Views: 2058

Re: Divorcee about to reach FRA seeks SS information

I had no problems. They called and I had to send them my (original) marriage and divorce papers, which were returned.

Almost there
by Almost there
Mon Dec 01, 2014 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 20
Views: 2362

Re: Divorcee about to reach FRA seeks SS information

I did my whole application online and was very pleased with the service. Have now been receiving Social Security since May which is 1/2 of what my x husband is receiving. At 70 I will change over to my own records.

Almost there
by Almost there
Mon Dec 01, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 20
Views: 2362

Re: Poll: Has your AA changed in the last 18 months

cfs wrote: Retired and made changes back in May 2014. Plan to make additional changes after my dw retires and we transfer the retirement plan investments to Vanguard. As I have said before, we rely on our pillow test and our current SWAN or sleep well at night portfolio is around 35/65 including cas...
by Almost there
Sun Jul 27, 2014 11:04 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3848

Re: savings and staying course with investment strategy

Thank you for your perspective. Sometimes, we all need to read this again.
by Almost there
Sun Jul 27, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: savings and staying course with investment strategy
Replies: 8
Views: 2058

Re: Divorcee about to reach FRA seeks SS information

Thank you sscritic for your personal input. You have helped me so many times. I received a letter from SS telling me that I will receive my first payment in April (have not received it). My May payment will be the second Wednesday which is based on my ex-husband's date of birth. Almost there 4/26/20...
by Almost there
Sun Apr 20, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 20
Views: 2362

Re: Divorcee about to reach FRA seeks SS information

Like you I am divorced. Back in February I filed my restricted application online. Someone from Social Security then contacted me and asked to mail my marriage certificate and divorce papers. They were returned 10 days later. Allow approx. 4-6 weeks for the application until you hear when your first...
by Almost there
Sun Apr 20, 2014 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 20
Views: 2362

Re: Target Retirement Expense Ratio?

Thank you, bubbadog, for posting: I have a target retirement 2030 fund with an expense ratio of.17%. I did the math and the weighted average expense ratio of the four funds which make up this fund is about half of the .17%. I am ok with periodically rebalancing my portfolio. Why shouldn't I just mak...
by Almost there
Sun Apr 13, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Expense Ratio?
Replies: 11
Views: 1209

Re: NJ State Tax

thank you Sometimesinvestor. I used the higher number and will receive a $92.00 refund.

Almost there
by Almost there
Sun Mar 23, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: NJ State Tax
Replies: 2
Views: 422

NJ State Tax

Looking for NJ Bogleheads while filling out my tax forms via H&R Block (Federal - Deductions tab) Selecting Which Taxes to Deduct Most of the time, you're better off taking the larger of the 2 amounts. However, there are some situations where taking the state and local sales tax deduction–even i...
by Almost there
Sat Mar 22, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ State Tax
Replies: 2
Views: 422

Re: Hit a milestone today. Thanks Bogleheads!

I am so proud of everyone who is doing well in saving for their retirement. Thanks to someone I met on EON who believes in VG and the Bogleheads, I am doing well too. I have learned here so much and I am happy to give thanks to VG and their low ER, I am doing well too.

Almost there
by Almost there
Sat Mar 08, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: Hit a milestone today. Thanks Bogleheads!
Replies: 31
Views: 5046

Re: The Gecko cost me a lot of $. How often to switch car in

Just found this on another Boglehead site about auto insurance:

http://www.jdpower.com/consumer-ratings ... /index.htm

Almost there
by Almost there
Sun Feb 23, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Gecko cost me a lot of $. How often to switch car ins?
Replies: 78
Views: 8137

Re: The Gecko cost me a lot of $. How often to switch car in

I have been using the same Agent for 30 years now and every year he looks at all the insurance companies and obtains the lowest rate for me. I always keep with the same coverage and pay less every year. This year I have Plymouth Rock, last year it was Progressive and years before, Traveler's Insuran...
by Almost there
Sat Feb 15, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Gecko cost me a lot of $. How often to switch car ins?
Replies: 78
Views: 8137

Restricted Application for SS-UPDATE

Just finished filing for Social Security online (https://secure.ssa.gov/iClaim/rib). It was quite an experience getting all my paperwork together and looking back at my life at the same time. Tip: The application allows you to save your application at any time and you are given an application number...
by Almost there
Sat Feb 08, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Restricted Application for SS
Replies: 11
Views: 736

Re: Tax credit for 2014

Thanks Jowi. Right now I am just thinking ahead.
Almost there
by Almost there
Sat Jan 25, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax credit for 2014
Replies: 7
Views: 515

Re: Restricted Application for SS

The Wizard wrote: Almost there wrote:I am not sure it matters. I want to file a restricted application as a divorcee who was married 30+ years. Almost there I'll be doing the same thing in two years at age 66. You need a lot of certified documents to prove your claim; check the list on the SS websi...
by Almost there
Sat Jan 25, 2014 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Restricted Application for SS
Replies: 11
Views: 736

Re: Restricted Application for SS

I am not sure it matters.
I want to file a restricted application as a divorcee who was married 30+ years.

Almost there
by Almost there
Sat Jan 25, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Restricted Application for SS
Replies: 11
Views: 736

Re: Restricted Application for SS

Thank you for all of your answers.

I have read a number of horror stories with the local SS office.

Almost there
by Almost there
Sat Jan 25, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Restricted Application for SS
Replies: 11
Views: 736

Re: Tax credit for 2014

Thanks for the update.
I will check out this website.
Almost there
by Almost there
Sat Jan 25, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax credit for 2014
Replies: 7
Views: 515

Restricted Application for SS

I have a question with regard to my restricted application for Social Security. I will be 66 in April and want to file for the restricted application. My preference is to file online. I would like to hear from people who have filed online and if there were any obstacles I should look for. Almost there
by Almost there
Sat Jan 25, 2014 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Restricted Application for SS
Replies: 11
Views: 736

Tax credit for 2014

I just read the following online: For Tax Year 2013: $500 credit for energy-efficient home improvements: Under this break, you could claim a tax credit of up to $500 for certain energy-saving improvements to your principal residence. Where do I find out if there will be a also a tax credit given for...
by Almost there
Sat Jan 25, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax credit for 2014
Replies: 7
Views: 515

New cellphone

Thank you everyone for your input.
Straighttalk offered some nice phones. Pageplus is offering phones I never heard of. Either way, I will check out these websites.

Almost there
by Almost there
Sun Jan 05, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: New cellphone
Replies: 63
Views: 3918

New cellphone

I would like to stay with Verizon since it gives me the best coverage where I live.

Right now I am thinking about purchasing a new phone but do not want to sign up for another 2-year plan.

Any suggestions as to purchasing a phone without breaking the bank and staying with Verizon?
by Almost there
Sat Jan 04, 2014 9:14 am
 
Forum: Personal Consumer Issues
Topic: New cellphone
Replies: 63
Views: 3918

Re: Help with CDs maturing

Thank you, WKS 360, for your suggestions: Do you already have your emergency fund built up? Given your history with unemployment, I'd go out 6-9 months for living expenses which might make you sleep better at night as well. I know these have been mentioned before, but for fixed maturity / duration t...
by Almost there
Sat Nov 16, 2013 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with CDs maturing
Replies: 4
Views: 685

Re: Help with CDs maturing

Thank you, Texas hold em71, for your suggestions. Have you considered using the CD's for living expenses, increasing the 401(k) contributions and reducing your current taxable income? Right now I don't want to go back and invest in CDs since their rates are too low. The 2 CDs which are maturing paid...
by Almost there
Sat Nov 16, 2013 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with CDs maturing
Replies: 4
Views: 685

Help with CDs maturing

Hi everyone, I am a single female and have saved approx. $500,000. Next April I will turn 66 and plan on taking SS (approx. $1,200/month) via my ex-husband. Plan on working until I am 70 at which time I will take my full SS benefits (according to SS I will receive $2,300/month). My partner and I own...
by Almost there
Sun Nov 10, 2013 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with CDs maturing
Replies: 4
Views: 685

Catch-up contributions

Thank you, pingo. You wrote: If you are in the 25% federal tax rate now: a. Roth savings are taxed now at 25% federal. b. Traditional savings are taxed 0% now and then some will be taxed in retirement at 0%, some at 10% and some at 15% before reaching the 25% bracket (if it is you do get pushed into...
by Almost there
Sat Oct 19, 2013 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: Catch-up contributions
Replies: 20
Views: 1724
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