Search found 33 matches

by ronin
Fri May 29, 2015 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Citi double cash card vs. Amex Blue Everyday
Replies: 34
Views: 8393

Re: Citi double cash card vs. Amex Blue Everyday

I believe Costco signed a deal with Citi to offer the replacement "Costco" card to the existing AMEX one. This means we'll likely see the Costco branded Citi card soon and it should be a VISA. It will be interesting to see what the rewards program entails.
by ronin
Sun Apr 12, 2015 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is not utilizing taxable space for long-term investing wise?
Replies: 11
Views: 1312

Re: Is not utilizing taxable space for long-term investing w

Thanks to everyone for their thoughtful responses to this post!
by ronin
Sun Apr 12, 2015 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Plans - Utah vs. Nevada <or> WA State prepaid (GET)?
Replies: 1
Views: 314

529 Plans - Utah vs. Nevada <or> WA State prepaid (GET)?

My apologies if this topic has been beaten to death in older posts, however others have rightly pointed out that the 529 landscape seems to change over time. OK, to break it down, I'm thinking about starting a 529 plan for my 1 year old and eventually for the next one due to arrive this fall. State ...
by ronin
Sat Apr 11, 2015 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Is not utilizing taxable space for long-term investing wise?
Replies: 11
Views: 1312

Is not utilizing taxable space for long-term investing wise?

My wife and I are in are early 40s and have been diligently saving (high six figure portfolio) for retirement using a mix of traditional 401ks and Roth IRAs, but nothing specifically for this goal in taxable accounts. Separately, we do have a comfortable e-fund in a taxable savings account. We've be...
by ronin
Tue Mar 24, 2015 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life: How Much & Term Length Guidance
Replies: 16
Views: 1843

Re: Term Life: How Much & Term Length Guidance

Thank you all for taking time to share your thoughts and ideas. Many good points to consider. I am a bit curious about the laddering concept where some have taken out multiple policies lasting different lengths in time. I've heard of this for CDs, but want to better understand how this approach bene...
by ronin
Mon Mar 23, 2015 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life: How Much & Term Length Guidance
Replies: 16
Views: 1843

Term Life: How Much & Term Length Guidance

Fellow Bogleheads, My wife and I decided we need to get Term life on me and likely on her eventually. First a bit about us. I'm 42, she's 40, we have a 10 month old and another one expected this October. I work FT (about $90k/yr) and she works PT ($30k/yr). We have mid six figures in retirement savi...
by ronin
Sat Mar 21, 2015 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Term Insurance Shopping - Local Agent vs. Online?
Replies: 8
Views: 836

Re: Term Insurance Shopping - Local Agent vs. Online?

Anyone have experience with any of the following: AAA (American Automobile Association) Life Insurance or just their agency/brokerage services, or Select Quote online? I take it Term4Sale links refers you to independent agents that may or may not be local to you.
by ronin
Sat Mar 21, 2015 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Term Insurance Shopping - Local Agent vs. Online?
Replies: 8
Views: 836

Re: Term Insurance Shopping - Local Agent vs. Online?

Thanks for the thoughts thus far. When selecting an agent/broker (are those interchangeable?), how many different (and which particular if it matters) companies should they represent to be a reasonable choice? It seems many of them have a half dozen give or take with some overlap and some unique. Is...
by ronin
Thu Mar 19, 2015 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Term Insurance Shopping - Local Agent vs. Online?
Replies: 8
Views: 836

Term Insurance Shopping - Local Agent vs. Online?

Hello fellow Bogleheads, I'm getting ready to purchase term life and am unsure whether I should utilize the variety of online agents (Select Quote, etc.) versus finding a local agent. Conceptually I have no problem conducting business online, but I'm not sure if there are any advantages to being abl...
by ronin
Sat Feb 02, 2013 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage vs. Mutual Fund Account (taxable)
Replies: 27
Views: 5349

Re: Vanguard Brokerage vs. Mutual Fund Account (taxable)

Thanks to everyone for their comments. It does seem like the mutual fund account is the way to go for now. Should I ever decide to expand my investment choices beyond VG fund, I'll open a VBS account.

Cheers!
by ronin
Sat Feb 02, 2013 1:42 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage vs. Mutual Fund Account (taxable)
Replies: 27
Views: 5349

Re: Vanguard Brokerage vs. Mutual Fund Account (taxable)

Thanks for the replies and clarification. Question: Is there a practical difference between using Vanguard's EFTs via a brokerage account versus using their mutual funds via a mutual fund account, keeping in mind this will be a taxable account? I assume Vanguard offers an EFT of most of their mutual...
by ronin
Fri Feb 01, 2013 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage vs. Mutual Fund Account (taxable)
Replies: 27
Views: 5349

Vanguard Brokerage vs. Mutual Fund Account (taxable)

Hello, As a current Vanguard Roth IRA (mutual fund account) and 401k account holder, I am looking to add a taxable account with Vanguard. Given I'll likely invest in mutual funds, is there a reason why I wouldn't want to go with the Vanguard Brokerage account instead of the mutual fund account? It s...
by ronin
Thu May 26, 2011 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: How hard is it to transfer a Roth IRA to Vanguard?
Replies: 26
Views: 8485

We transfered one of our Roth IRA's from T. Rowe Price to Vanguard with ease. I recall doing everything via Vanguard's web site; no paper forms/phone calls.

Been very happy with the decision too!
by ronin
Sat May 21, 2011 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why no Admiral shares on all funds?
Replies: 4
Views: 969

Why no Admiral shares on all funds?

Any idea why Vanguard doesn't offer Admiral shares on all their funds (at least not he funds-of-funds) especially when they offer an EFT class? Small Cap Value comes to mind as an example.

Cheers!
by ronin
Thu May 12, 2011 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Which Taxable Acct Type: Mutual Fund vs. Brokerage?
Replies: 5
Views: 730

Thanks you for the comments so far. My retirement accounts with Vanguard include a company 401k as well as Roth IRA mutual fund accounts for my spouse and me. I do see myself most likely leaning to the simplicity of funds, but wasn't sure if there would be a good reason to consider the brokerage acc...
by ronin
Wed May 11, 2011 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Which Taxable Acct Type: Mutual Fund vs. Brokerage?
Replies: 5
Views: 730

Which Taxable Acct Type: Mutual Fund vs. Brokerage?

My apologies if this topic has already been beaten to death -- I don't find the search functionality on the site to be always be reliable. Being a very satisfied Vanguard customer of their retirement accounts, I am now looking to expand my portfolio to include a taxable account. With that, I would l...
by ronin
Tue Feb 01, 2011 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Wohoo! I made Voyager
Replies: 31
Views: 4272

Congrats! Does anyone know if Vanguard looks at assets at the household to determine this status or is it individual account owner?
by ronin
Sat Jan 29, 2011 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Help: TBM vs. Intermed. Index vs. Intermed. Treasury?
Replies: 5
Views: 902

I appreciate the feedback!
by ronin
Sat Jan 29, 2011 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Retirement funds: Features or Flaws?
Replies: 16
Views: 2263

good point dbr.
by ronin
Sat Jan 29, 2011 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Help: TBM vs. Intermed. Index vs. Intermed. Treasury?
Replies: 5
Views: 902

Bond Help: TBM vs. Intermed. Index vs. Intermed. Treasury?

I’m looking for guidance on constructing the bond portion (~25%) of my retirement portfolio (all in Roth IRA and 401ks) using Vanguard funds. While I was set to utilize TBM exclusively, I began reading posts that drew my attention to two observations/concerns: (1) Some suggest avoiding TBM because o...
by ronin
Sat Jan 29, 2011 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Target Date Retirement funds: Features or Flaws?
Replies: 16
Views: 2263

Thanks to you both for your thoughts on this!
by ronin
Fri Jan 28, 2011 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Retirement funds: Features or Flaws?
Replies: 16
Views: 2263

Target Date Retirement funds: Features or Flaws?

My apologies if this has already been discussed, but with respect to their target date retirement funds, why do the Vanguards, Fidos, TRPs of the world: 1 - Appear to under-weight bonds in many cases <AND> 2 – Seem to dismiss the French/Fama 3-factor model when constructing their equity portion by w...
by ronin
Fri Jan 28, 2011 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Small Cap Index <OR> Small Cap Value Index
Replies: 6
Views: 2464

The funds would be in a Roth IRA. Sounds like the value may be what makes more sense for me, especially since I wouldn't be opposed to picking some more exposure to REITs above and beyond what in my TSM and Total International Index.

Thanks all for you comments.
by ronin
Thu Jan 27, 2011 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Small Cap Index <OR> Small Cap Value Index
Replies: 6
Views: 2464

Thanks for sharing your thoughts on this dave. I forgot to mention that I have Total International Index to address non-US equities as you suggested.
by ronin
Thu Jan 27, 2011 2:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Small Cap Index <OR> Small Cap Value Index
Replies: 6
Views: 2464

Vanguard Small Cap Index <OR> Small Cap Value Index

I would like to increase my small cap equity exposure to complement investments in TSM & TBM. I’m trying to decide between adding Vanguard’s Small Cap Index (Admiral) or Vanguard’s Small Cap Value Index (Investor since no Admiral class appears to exist). What considerations might I want to inclu...
by ronin
Wed Jan 26, 2011 9:30 am
Forum: Investing - Help with Personal Investments
Topic: M* Portfolio Data Old (Sep '10) / 9-Box grid on Vanguard?
Replies: 5
Views: 744

I appreciate your feedback livesoft.

For the Vanguard Total International Stock Index fund, might I be able to determine what the breakdown is for it portfolio (especially interested in the small vs. large aspects). I couldn't find this information on Vanguard's site.

Thanks.
by ronin
Wed Jan 26, 2011 12:06 am
Forum: Investing - Help with Personal Investments
Topic: M* Portfolio Data Old (Sep '10) / 9-Box grid on Vanguard?
Replies: 5
Views: 744

M* Portfolio Data Old (Sep '10) / 9-Box grid on Vanguard?

I noticed M* portfolio data is as of 09/30/10 which seems a bit dated. While this isn’t a big deal for most fund X-Ray efforts, it poses a challenge when one wants to look at funds that have changed their makeup-up lately such as Vanguard’s Total International Index – more small/mid cap I believe re...
by ronin
Mon Jan 24, 2011 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Increase Bonds & Where To?
Replies: 2
Views: 729

Increase Bonds & Where To?

I’m currently at a 90/10 (stocks/bonds) split in my 100% tax-sheltered/deferred retirement portfolio. The 10% in bonds is currently represented in the Wellesley Fund, however I’m not married to it. I don’t envision retiring any sooner than 25 years from now, however I’m considering shifting my bond ...
by ronin
Sat May 01, 2010 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Convert 401k to Roth 401k?
Replies: 4
Views: 1106

Thanks for your feedback!
by ronin
Thu Apr 29, 2010 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Convert 401k to Roth 401k?
Replies: 4
Views: 1106

Convert 401k to Roth 401k?

I thought I had read somewhere that it is now possible to convert all or part of an existing 401k balance to a Roth 401k at the same employer. Of course, it would be a taxable event, but I'm wondering if this is even possible? I ask because, in general, my employer does not allow for withdrawals fro...
by ronin
Thu Apr 23, 2009 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Retirment Savings - Roth vs. Traditional contributions
Replies: 6
Views: 1699

Thanks all for your thoughts and suggestions! I'll be looking into this further.
by ronin
Thu Apr 23, 2009 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Indexing dead according to popular financial magazine?
Replies: 30
Views: 5012

Indexing dead according to popular financial magazine?

I recently read an article in Smart Money suggesting that Indexing may not be as compelling given current times. I realize that to generalize while only speaking short term is not wise, however others have noted that with the major indexes having essentially covered little ground over even the recen...
by ronin
Wed Apr 22, 2009 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Retirment Savings - Roth vs. Traditional contributions
Replies: 6
Views: 1699

Retirment Savings - Roth vs. Traditional contributions

First off, I'm excited to be a new member of this community, as it does seem to stand apart from many other sources out there. A bit about myself... I'm married and my wife and I are in our mid 30s. Currently no kids but some day hope to have a family. I contribute to my traditional 401k at work, wh...

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