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Re: Moving IRA from TD to Vanguard

Can't take the credit; it was livesoft.
by htdrag11
Mon Jul 21, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 995

Re: Moving IRA from TD to Vanguard

Crow,

Sorry that I misspoke.

livesoft offered the correct understanding; until I unload all my bonds, they would not be counted toward Vanguard managed assets. So, in this case, a 100% liquidation toward a Vanguard transfer or just stay w/ TD but managed my future Vanguard funds
by htdrag11
Mon Jul 21, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 995

Re: Moving IRA from TD to Vanguard

Flagship is for like-services. Vanguard separates brokerage account from mutual funds account when they aggregate, something that I was not aware off. :(
by htdrag11
Mon Jul 21, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 995

Re: Moving IRA from TD to Vanguard

Ahem!

I was thinking of consolidating my funds into Vanguard to take advantage of the Flagship services. Thanks for pointing out the commission free in buying (more than trading) Vanguard funds in TD, yet another fork in the road.
by htdrag11
Mon Jul 21, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 995

Re: Moving IRA from TD to Vanguard

If I transfer and liquidate all to a mutual funds account, including corporate bond funds, then I would qualify for a flagship member. If I transfer in kind, then I need to roll over to a brokerage account and sell the stocks and bonds individually. The only remaining question is whether there would...
by htdrag11
Mon Jul 21, 2014 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 995

Re: Moving IRA from TD to Vanguard

That works for me. :D
by htdrag11
Sun Jul 20, 2014 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 995

Re: Moving IRA from TD to Vanguard

livesoft, Thank you for your insight. I currently only have a mutual fund account, so I need to set up a new one in Vanguard. As for to transfer in-kind vs. cashing them all out, which is better in terms of transaction cost, Vanguard vs. TD? The other is about missing out on the market which should ...
by htdrag11
Sat Jul 19, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 995

Moving IRA from TD to Vanguard

Come September, I'll be "retiring" again but this time is for real. Lost interest in work and paying way too much taxes. Here is my situation with this particular account: The money is actually invested in one of the financial companies who work with TD, charging me 0.75% of my entire port...
by htdrag11
Sat Jul 19, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 995

Re: "Only a fraction of Americans directly own stocks"

I watch CBS for sports, not for propaganda from the Main Stream Media. In general, tv as a medium has its peak. No wonder so many people are cutting the cord. It's not worth paying for. Wife still wants to watch her soap though; we only keep the basic channels since the demise of aereo. Maybe people...
by htdrag11
Sat Jul 05, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: "Only a fraction of Americans directly own stocks"
Replies: 27
Views: 3271

Re: Time to buy a tv or wait 2 years?

I'm frugal in many things but not TV/projectors. Gave away my 2009 Panny 42" 720p plasma and upgraded to a 2013 Panny 50" 1080p. My wife said why since it's her TV in the family room. I said that it's cost less than the old (under $900 vs. $1,300 for the 42"). I do frequent avsforum w...
by htdrag11
Sat Jul 05, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5687

Re: What to do with old Macbook Pro?

+1 but eBay is much faster.
by htdrag11
Fri Jul 04, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 1777

Re: NJ Homeowners Insurance: Any advice?

1st off, try to buy all your insurance from the same company, such as auto, home and umbrella. 2nd, your credit score matters. 3rd, I've NJ Manufacturers since my company selects them. Check if that applies to you. 4th, try Amica if you qualify. In the past, I've All State, Liberty Mutual and Geico,...
by htdrag11
Wed Jul 02, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: NJ Homeowners Insurance: Any advice?
Replies: 9
Views: 655

Jim Cramer likes index funds — Who knew?

In case you missed - Jim Cramer likes index funds — Who knew?

http://www.marketwatch.com/story/jim-cr ... beforebell
by htdrag11
Thu Jun 26, 2014 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Jim Cramer likes index funds — Who knew?
Replies: 3
Views: 867

Re: Financial Literacy Quiz by FINRA

The national average is 2.88.

Does this qualify me to be a CFP? I do not need the money but it's my kind of fun.
by htdrag11
Tue Jun 24, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Literacy Quiz by FINRA
Replies: 18
Views: 1021

Re: Cost of car compared to Gross Income

The last care I bought in 2012 was about 25% of our income; the next one might blow the "budget", something like a Tesla would be about 80%; that is a luxury of able to retire, early. I do not think this metric holds much water but it's a fun exercise. We all know that car is usually the b...
by htdrag11
Tue Jun 24, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4599

Re: Bloomberg article on 401(k) rollover scam

Self-regulation never worked. When I retired in 1998 and signed up with a mutual fund (MFS) "advisor", though there was no up-front fee for me, but the back-end load had cost me about 10% when I eventually liquidated. Considered myself very lucky. My first and prior CFS had retired and mad...
by htdrag11
Tue Jun 17, 2014 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: Bloomberg article on 401(k) rollover scam
Replies: 10
Views: 1279

Re: Nice IBD article on Jack Bogle

Let data speak for itself: "Investors have withdrawn $500 billion from actively managed funds (including ETFs) and put $600 billion into index funds over the past five years," Bogle told IBD. "That's a trillion-dollar shift. It's astonishing, and it's not going to stop." Thank yo...
by htdrag11
Thu Jun 12, 2014 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Nice IBD article on Jack Bogle
Replies: 3
Views: 421

Re: Bernstein's Four Pillars of Investing for $1.99 on June

Thanks. I can live w/o it. Already read the paper version about 3 years ago but just playing with my Nexus 7 w/ Kitkat.
by htdrag11
Fri Jun 06, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein's Four Pillars of Investing for $1.99 on June 4th!
Replies: 88
Views: 4642

Re: Bernstein's Four Pillars of Investing for $1.99 on June

I've it loaded to my android but don't see an option for audio.

Does anyone know how? Thanks.
by htdrag11
Fri Jun 06, 2014 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein's Four Pillars of Investing for $1.99 on June 4th!
Replies: 88
Views: 4642

Re: TSP and Vanguard Retirement Investment Advice

I'm managing our child's (29) portfolio who also lives in DC and has a TSP, but is way more aggressive with only 10% in G among TSP, 401k and Roth IRA. The savings rate is lower, about 15% overall of the paycheck in case of buying a condo.
by htdrag11
Thu Jun 05, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard Retirement Investment Advice
Replies: 23
Views: 2771

Re: Assistance in Whole Life Insurance Policy

WL is not an investment, just a force savings program with death benefit at a rather steep cost; same goes with Bank-on-yourself WL or Modified Endowment Contract (MEC). If you do not have life insurance (group life) from work, all you need is a 3-year level term (google it) and invest the differenc...
by htdrag11
Fri May 30, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Assistance in Whole Life Insurance Policy
Replies: 22
Views: 970

Re: Bernstein's Four Pillars of Investing for $1.99 on June

I guess my budget would allow for that. Maybe it would be my birthday gift!
by htdrag11
Fri May 30, 2014 8:35 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein's Four Pillars of Investing for $1.99 on June 4th!
Replies: 88
Views: 4642

Even C. Schwab is getting religious

In case you missed this:

How Charles Schwab got religion on retirement indexing

http://www.marketwatch.com/story/how-ch ... 2014-05-29
by htdrag11
Thu May 29, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: Even C. Schwab is getting religious
Replies: 3
Views: 1322

Re: TV show recommendations?

Game of Thrones - gore, sex and politics, what more can I guy want?
Sherlock - only 3 seasons and 9 episodes, each about 100 minutes long
True Detective - 8 episodes, very dark
Twin Peaks - Lynch's strange series
Shogun - just released in Blue-ray
by htdrag11
Thu May 29, 2014 8:56 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 119726

Re: eBay Hit with Security Breach, Change Password!

In addition, PayPal will ask for either your bank or credit card number for confirmation.
by htdrag11
Thu May 22, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: eBay Hit with Security Breach, Change Password!
Replies: 19
Views: 1519

Re: Seeking Constructive Advice on Whole Life for High Incom

Wow! I'm sure he is very successful in understanding his clients' egos.
by htdrag11
Sat May 17, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Constructive Advice on Whole Life for High Income Ea
Replies: 25
Views: 1630

Re: Term life vs Whole life

In general, WL or cash value insurance is sold while term is bought! There is very little incentive for agents to sell term due to the low commission and low premium. Another way to push WL to older people is the use of estate tax as a selling tool, offsetting by the death benefit. There is no free ...
by htdrag11
Fri May 09, 2014 11:29 am
 
Forum: Investing - Theory, News & General
Topic: Term life vs Whole life
Replies: 28
Views: 2530

Re: Term life vs Whole life

I dropped my 20-year level term when I was 60; my wife will end at 62.

Personally we do not see the need for further life insurance due to our current financial situation but YMMV. Got to pay taxes to Uncle Sam eventually rather than using insurance proceed to pay that off.
by htdrag11
Thu May 08, 2014 9:42 am
 
Forum: Investing - Theory, News & General
Topic: Term life vs Whole life
Replies: 28
Views: 2530

Re: Subaru vs Mazda

Like the other CX-5 owner, bought mine in May 2012 and put in 26k trouble free miles, our 4th Mazda. Other than the smaller engine of choice in 2013 (2.0 vs. 2.5 for the 2014), it has the same storage capacity of the BMW X5. Tires could be better but the noise level is about the same as the Bimmer. ...
by htdrag11
Wed May 07, 2014 8:59 am
 
Forum: Personal Consumer Issues
Topic: Subaru vs Mazda
Replies: 17
Views: 2500

Re: What Book Are You Currently Reading? Part V

Decoded by Mai Jia; it's translated to English and is about espionage, cryptology, mathematics and over a few generations detailing pre-and post-communism. I was amazed that it also covered the dark age of the Cultural revolution and the Red Guards era. However, I was not sure about the epilogue or ...
by htdrag11
Sun May 04, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3102
Views: 998158

Re: "Feeling Cool About A Hot Personal Finance Book"

Forgot to mention one valid point; she did favor whole life (WL) over universal. There is no argument there.
by htdrag11
Fri May 02, 2014 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: "Feeling Cool About A Hot Personal Finance Book"
Replies: 9
Views: 1124

Re: "Feeling Cool About A Hot Personal Finance Book"

+1. Insurance agents are not suppose to use "illustrative" or non-guarantee return to pitch their WL or permanent insurance but some still do. I'm not oppose to having life insurance but Yellen's educational background did not exactly fit the bill of a financial adviser, or am I a fan of W...
by htdrag11
Fri May 02, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: "Feeling Cool About A Hot Personal Finance Book"
Replies: 9
Views: 1124

Re: Taxes for NY Long Is. Resident but PA student

BTW, PA-40 NRC is for business while PA-40 is for individual, so the latter would work in this case.
by htdrag11
Thu Apr 03, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes for NY Long Is. Resident but PA student
Replies: 6
Views: 459

Re: Taxes for NY Long Is. Resident but PA student

jmg229,

Terrific. IT-112R was what I was looking for to get his credit back.

Thanks.
by htdrag11
Wed Apr 02, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes for NY Long Is. Resident but PA student
Replies: 6
Views: 459

Taxes for NY Long Is. Resident but PA student

My nephew is a full time student in PA and made some money during the summer in PA. For fed, he files a 1040-EZ form. My dumb questions are: 1. Does he need to file NY state income taxes IT-201 since all income and taxes were withheld in PA? Does he qualify for standard deduction since he was claime...
by htdrag11
Tue Apr 01, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes for NY Long Is. Resident but PA student
Replies: 6
Views: 459

Re: Retirees: About your retirement

When I was younger, image and ego are more important but this ad maybe what some of us do not need or crave for. http://www.fool.com/investing/general/2014/03/08/what-is-general-motors-thinking-with-this-new-cadi.aspx I'm OK with my lowly Japanese CUV, barely making 60 mph in 11 seconds. Possessing ...
by htdrag11
Sat Mar 08, 2014 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: About your retirement
Replies: 55
Views: 6006

Re: Retirees: About your retirement

Well, I started also around 14, helping family out and did not stop until 59. Sat around 2 years doing some volunteering work and got full time work recently, trying out a small company vs. large firms. My hands really got dirty, doing all kinds of work which I had not done since about 20 years ago....
by htdrag11
Sat Mar 08, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: About your retirement
Replies: 55
Views: 6006

Re: ASPCA vs Humane Society

+1 to the Ephesus cat photos.
by htdrag11
Mon Feb 17, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: ASPCA vs Humane Society
Replies: 27
Views: 1862

Re: How did you transition from saving mode to spending mode

Excellent point on RMD, but by then I'll be too old to get into a sports car.
by htdrag11
Sun Jan 26, 2014 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: How did you transition from saving mode to spending mode?
Replies: 15
Views: 1858

Re: How did you transition from saving mode to spending mode

I found setting up a budget is paramount to your success in managing your retirement funds. After 2 years, it has been rather uneventful. Actually because of the market is doing so well, our net worth is actually higher than 2012, meaning we're still living below our means. Wife still does not belie...
by htdrag11
Sun Jan 26, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How did you transition from saving mode to spending mode?
Replies: 15
Views: 1858

Re: SUV Vs Sedan

I found Honda very reliable but boring to drive, so went with the Mazda CX-5 (a cheap X-5?) but also looked at the Outback which is a little rich for my blood these days, plus so so mileage. My range is usually anywhere between 28 to 33 mpg, depending on driving and AC. The 2014 has a bigger engine ...
by htdrag11
Sun Jan 26, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: SUV Vs Sedan
Replies: 50
Views: 4071

Re: El-Erian out at Pimco - WSJ

There are not too many Mets fans out there, so I'll miss him. As a spokesman, I listen to his rhetoric more than Bill Gross - who does not know what enough is.

Good for him.
by htdrag11
Tue Jan 21, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: El-Erian out at Pimco - WSJ
Replies: 28
Views: 3390

Re: What Book Are You Currently Reading? Part V

Robert Gates' Duty: Memoirs of a Secretary at War - how we have never won a war in Asia, ever since WWII. Lessons learned became lessons forgotten.
by htdrag11
Sun Jan 19, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3102
Views: 998158

Re: Staying the course which watching CNBC

headphones or earplugs?
by htdrag11
Sun Jan 19, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Staying the course which watching CNBC
Replies: 23
Views: 1919

Re: "Passive Investing: The Evidence"

Taylor, thanks.

I put this on my LinkedIn page and also forward to my friends.
by htdrag11
Sun Jan 19, 2014 9:28 am
 
Forum: Investing - Theory, News & General
Topic: "Passive Investing: The Evidence"
Replies: 19
Views: 3277

Printing transaction/trade necessary for tax purpose?

For tax purpose, I've always been printing each transaction and match it up at the end of the year. Is that a common practice or should I just print (or print to a pdf) the monthly summary statement? Better yet, I can just print the realized gains/losses.

What is a good practice? Thanks.
by htdrag11
Mon Dec 02, 2013 12:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Printing transaction/trade necessary for tax purpose?
Replies: 5
Views: 419

Re: New Tablet

Barns and Noble is giving up on their Nook tablet business and they are going at fire-sale prices. I just got the 9 inch Nook HD+ for $118. A steal in my opinion for a 9 inch android tablet with a stunning display. It lacks a camera and GPS, so don't get it if that's important to you. The web site ...
by htdrag11
Sat Oct 19, 2013 11:02 pm
 
Forum: Personal Consumer Issues
Topic: New Tablet
Replies: 20
Views: 1837

Re: 401k and Roth

Sounds reasonable.

Thanks.
by htdrag11
Tue Oct 08, 2013 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k and Roth
Replies: 4
Views: 394

Re: 401k and Roth

Sorry for the confusion. I'll start working tomorrow, so I would have earned income in 2013 to qualify for Roth.
by htdrag11
Tue Oct 08, 2013 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k and Roth
Replies: 4
Views: 394
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