Search found 12 matches

by Noynek
Wed Jul 01, 2015 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Are we structuring our long term savings properly?
Replies: 4
Views: 517

Re: Are we structuring our long term savings properly?

Great job focusing on retirement savings with 5 children. If you do not have access to a 401k or similar retirement plan at work you would be eligible to contribute to a Traditional IRA and take a tax deduction on the contributions. Your deduction is allowed in full if you aren't covered by a retire...
by Noynek
Wed Jun 24, 2015 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's so so customer service
Replies: 51
Views: 5770

Re: Vanguard's so so customer service

I had a service rep on a recent Saturday morning refuse to pass my need along to their tech support department. The online portion of their accounts, stopped working with Quicken. I got an error all day long. He acted as if he was above passing messages for clients. I ended up hanging up on the jer...
by Noynek
Wed Jun 03, 2015 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard adviser
Replies: 14
Views: 1680

Re: Vanguard adviser

$50,000 * .03 = $150 per year. Not $1,500. It costs 30 basis points.

There is value in the service for someone who isn't comfortable making investment decisions on their own.
by Noynek
Fri Aug 09, 2013 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Minimum Investment?
Replies: 13
Views: 2322

Re: Vanguard Minimum Investment?

Every fund will have an initial minimum investment the Target Date funds and the STAR fund are $1,000 and most others are $3,000. Admiral Share class for Index Funds is $10,000 minimum and for Actively Managed Funds it is $50,000. Vanguard will automatically reclassify funds to either admiral or inv...
by Noynek
Sun Jul 21, 2013 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA rollover
Replies: 5
Views: 286

Re: SIMPLE IRA rollover

With a SIMPLE IRA at Vanguard you can only invest in Vanguard funds. Unlike other IRAs at Vanguard you will not have the ability to invest in non Vanguard funds or individual stocks/ETFs.
by Noynek
Sat Jul 20, 2013 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Something curious about Wellesley
Replies: 16
Views: 1939

Re: Something curious about Wellesley

I don't understand the 'Vanguard is yelling at me' comment either ? Can't you invest however you like with Vanguard ? Yes. Vanguard doesn't monitor the accounts and even when given advice from a CFP or talking to a representative the final decision on asset allocation lies with the client. It is yo...
by Noynek
Sat Jul 20, 2013 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Asset Management Services - any experiences?
Replies: 6
Views: 1020

Re: Vanguard Asset Management Services - any experiences?

If you are looking for asset management services then Vanguard is very good. The fees are significantly lower than other institutions. The majority of Vanguard clients manage their own portfolios, so it is not a service that Vanguard is known for. The portfolio size has to be $500,000 or more. Vangu...
by Noynek
Sat Jul 20, 2013 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Something curious about Wellesley
Replies: 16
Views: 1939

Re: Something curious about Wellesley

The style box indicates that the fund is of medium credit quality. That is the whole entire fund. Vanguard does not imply that the gov't bonds are of medium quality.
by Noynek
Fri Jul 19, 2013 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Community college a better option to start college?
Replies: 122
Views: 7510

Re: Community college a better option to start college?

Yes. Community college is a great option. I did two years of community college in upstate NY and then did my last two years of school at a good private school in NC. The financial savings were huge. I'll give you a great example....two good friends of mine are brothers....one went to community colle...
by Noynek
Thu Jul 18, 2013 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Detroit Files for Bankruptcy: Impact on Vanguard Munis?
Replies: 19
Views: 2422

Re: Detroit Files for Bankruptcy: Impact on Vanguard Munis?

The biggest issue with the Detroit Bankruptcy news today is the impact that it will have on other municipal bonds. The media will be all over this and just like a lot of the bond market right now things are moving on speculation.
by Noynek
Thu Jul 18, 2013 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor- New Boglehead
Replies: 8
Views: 905

Re: Young Investor- New Boglehead

Thanks so much for all the information and replies. I really do appreciate all the feedback. I hate the thought of having any debt and like you guys have suggested I'll pay down the debt as fast as possible. I was looking at my 401k and I was mistaken. I am currently invested in the Target Retiremen...
by Noynek
Mon Jul 15, 2013 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor- New Boglehead
Replies: 8
Views: 905

Young Investor- New Boglehead

Hi everyone. First off, thank you all for creating such a great forum. I've read lots of posts and topics over the last few months however this is my first time posting. I plan on being a long time contributor and help out in all the discussions. You guys really do a great job and this forum is a wo...

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