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Re: Barclay's Dream Account (Savings)

I have had a Barclay's savings for about a year now. Interest started at 1% then dropped to .9%. In December when I saw the Dream account open i immediately opened one. It took about 2 minutes, and I automatically deposit the max of $1k a month into it. For me, it just allows me to make that extra ...
by saferthansome
Wed Feb 05, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Barclay's Dream Account (Savings)
Replies: 6
Views: 1119

Re: Barclay's Dream Account (Savings)

The Barclay's site is a bit unclear. If you go through the motions and receive a 2.5% boost to your interest, are they doing option 1 or 2?: Option 1: Boost your interest rate by adding 2.5% .95% + 2.5% = 3.45% (worth it) Option 2: Boost your interest rate by adding 2.5% .95% *1.025 = .974% (who ca...
by saferthansome
Tue Feb 04, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Barclay's Dream Account (Savings)
Replies: 6
Views: 1119

Barclay's Dream Account (Savings)

Hello, Barclay's has a savings account called the Dream account which offers a .95% rate instead of their usual .9% rate. You can only deposit $1000/month but there are 2.5% interest bonuses if you make a deposit every month for 6 months and/or if you go 6 months without withdrawing any money. I alr...
by saferthansome
Tue Feb 04, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Barclay's Dream Account (Savings)
Replies: 6
Views: 1119

Re: CD Ladder Confusion...

Hi All, So I have finally gotten enough money saved so that I have a 6 month emergency fund in my savings account. :D ... Hi saferthansome, My take is not so far off the others, but comes at the question from a different direction. Although anybody can experience a total catastrophe, the reason for...
by saferthansome
Wed Oct 09, 2013 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD Ladder Confusion...
Replies: 15
Views: 1820

Re: CD Ladder Confusion...

Barclays CD is good for money you're pretty sure you will not need in at least 1 year. Another is Ally bank 5 year 1.5% CD with early withdrawal penalty of 60 Days of interest. That earns about 1.25% of you withdraw after 1 year. So a bit better than savings account with less risk then Barclays. Al...
by saferthansome
Tue Oct 08, 2013 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD Ladder Confusion...
Replies: 15
Views: 1820

Re: CD Ladder Confusion...

Thanks for the help. The term of the CD is up to you. How often do you think you might need access to the money? Just because you have 6 months of expenses doesn't mean you have to have 6 month CDs (or 6 1mo CDs) . If you think you might need access to the money each year then use 1 year CDs. If you...
by saferthansome
Mon Oct 07, 2013 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD Ladder Confusion...
Replies: 15
Views: 1820

CD Ladder Confusion...

Hi All, So I have finally gotten enough money saved so that I have a 6 month emergency fund in my savings account. :D However because my income is somewhat irregular I would like to have an additional 6 months in a relatively accesible, non-volatile place. The last time I checked in here someone sug...
by saferthansome
Mon Oct 07, 2013 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD Ladder Confusion...
Replies: 15
Views: 1820

Re: Help Understanding Expense Ratios...

I would think you would have a 401(k) since being self-employed does not prevent you from having one. Instead of FSIVX, consider FSGDX. Wow. That's news to me. No one had ever told me that. I will look into that for sure! And thank you for the recommendation of FSGDX. Was also considering: FSRVX vs...
by saferthansome
Fri Feb 15, 2013 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Understanding Expense Ratios...
Replies: 23
Views: 1536

Re: Help Understanding Expense Ratios...

Livesoft is correct, if your assets are in tax-deferred accounts then tax efficiency is not an issue. If in taxable, then the tax cost ratio is an indicator of tax efficiency. It's not designed to give you an actual tax number because that depends on several variables specific to your situation. It...
by saferthansome
Thu Feb 14, 2013 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Understanding Expense Ratios...
Replies: 23
Views: 1536

Re: Help Understanding Expense Ratios...

Since you wrote "So I have my retirement accounts at ...", guess what? The whole question of tax cost is moot since these are tax-advantaged accounts. I tried to hint at that in my earlier post. Sorry, didn't mean to mislead. I call them my retirement accounts but I'm including in that my...
by saferthansome
Thu Feb 14, 2013 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Understanding Expense Ratios...
Replies: 23
Views: 1536

Re: Help Understanding Expense Ratios...

Am I correct that by dividing the transaction cost ($7.95) by the tax cost differential (.34% average over 5 years) I can figure out that as long as I'm investing more than $2338 at a time (7.95/.0034) it's worth it to use the Vanguard ETF instead of the Fidelity Fund? Sorry, no you cannot say that...
by saferthansome
Thu Feb 14, 2013 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Understanding Expense Ratios...
Replies: 23
Views: 1536

Re: Help Understanding Expense Ratios...

Am I correct that by dividing the transaction cost ($7.95) by the tax cost differential (.34% average over 5 years) I can figure out that as long as I'm investing more than $2338 at a time (7.95/.0034) it's worth it to use the Vanguard ETF instead of the Fidelity Fund? Sorry, no you cannot say that...
by saferthansome
Thu Feb 14, 2013 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Understanding Expense Ratios...
Replies: 23
Views: 1536

Re: Help Understanding Expense Ratios...

You can compare tax efficiency on M*. Here's a link: http://performance.morningstar.com/fund/tax-analysis.action?t=VFINX&region=USA&culture=en-us This is VFINX, which is very tax efficient. To look at another fund, put the ticker in the stock/fund box at the top of the page. Paul Thanks for...
by saferthansome
Thu Feb 14, 2013 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Understanding Expense Ratios...
Replies: 23
Views: 1536

Re: Help Understanding Expense Ratios...

You can compare tax efficiency on M*. Here's a link: http://performance.morningstar.com/fund/tax-analysis.action?t=VFINX&region=USA&culture=en-us This is VFINX, which is very tax efficient. To look at another fund, put the ticker in the stock/fund box at the top of the page. Paul Thanks for...
by saferthansome
Thu Feb 14, 2013 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Understanding Expense Ratios...
Replies: 23
Views: 1536

Re: Help Understanding Expense Ratios...

livesoft wrote: Maybe the Fidelity Spartan funds are less tax-efficient than the Vanguard funds?


How do I figure the tax efficiency of the various funds?
by saferthansome
Thu Feb 14, 2013 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Understanding Expense Ratios...
Replies: 23
Views: 1536

Re: Help Understanding Expense Ratios...

Thanks everyone. I understand now. Think I will make the switch into the Fidelity funds. I didn't really know what an expense ratio was (just that lower is better) but I see that when you break it down like that with the math it really does save money. And that those fees will add up over the years....
by saferthansome
Thu Feb 14, 2013 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Understanding Expense Ratios...
Replies: 23
Views: 1536

Help Understanding Expense Ratios...

Hi, So I have my retirement accounts at Fidelity and accordingly was doing research into Fidelity alternatives into some of the Vanguard funds I have (so that I could lower/eliminate my transaction fees). I had a few questions... 1) If I was looking at a Fidelity Fund which had a .10% expense ratio ...
by saferthansome
Thu Feb 14, 2013 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Understanding Expense Ratios...
Replies: 23
Views: 1536

Switch to Vanguard?

I Imagine this has been covered extensively but I didn't see anything when I searched for it (admittedly I don't totally understand the search function). I currently have my investment accounts at Fidelity. But nearly every fund I have is a Vanguard fund. Would there be any advantage/disadvantage to...
by saferthansome
Wed Feb 13, 2013 12:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Switch to Vanguard?
Replies: 2
Views: 361

Re: Target Fund--How to figure in Asset Allocation?

Isn't it kind of weird that a Vanguard Target 2040 retirement fund would be weighted so heavily toward stocks? I had also heard that John Bogle recommended having one's bond ratio be roughly equal to one's age and that's the way I've set up my own portfolio the past few years. My wife and I are 34 ...
by saferthansome
Wed Feb 13, 2013 12:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Fund--How to figure in Asset Allocation?
Replies: 13
Views: 777

Re: Target Fund--How to figure in Asset Allocation?

I would pick a TR fund with approximately the % equity that you want overall and then don't worry about rebalancing. They have a $1000 minimum starting investment. If you have $3000, another choice would be Life Strategy conservative (40%), moderate (60%), or aggressive (80%) based on the % equity ...
by saferthansome
Wed Feb 13, 2013 12:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Fund--How to figure in Asset Allocation?
Replies: 13
Views: 777

Re: Target Fund--How to figure in Asset Allocation?

You can try here too: http://portfolios.morningstar.com/fund/summary?t=VFORX&region=USA&culture=en-us Thanks for that. Isn't it kind of weird that a Vanguard Target 2040 retirement fund would be weighted so heavily toward stocks? I had also heard that John Bogle recommended having one's bon...
by saferthansome
Wed Feb 13, 2013 12:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Fund--How to figure in Asset Allocation?
Replies: 13
Views: 777

Re: Target Fund--How to figure in Asset Allocation?

Thought we would start her off this year with a Roth IRA and put all the funds in the Vanguard Target 2040 fund (VFORX). 1) Does that make sense for her? Our tax bracket at the moment is 15% but presumably will be higher by retirement... http://www.bogleheads.org/forum/viewtopic.php?f=1&t=10910...
by saferthansome
Wed Feb 13, 2013 12:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Fund--How to figure in Asset Allocation?
Replies: 13
Views: 777

Target Fund--How to figure in Asset Allocation?

I am (relatively) recently married. I have a pretty decent retirement fund building but my wife has no retirement savings. Thought we would start her off this year with a Roth IRA and put all the funds in the Vanguard Target 2040 fund (VFORX). 2 questions. 1) Does that make sense for her? Our tax br...
by saferthansome
Tue Feb 12, 2013 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Fund--How to figure in Asset Allocation?
Replies: 13
Views: 777

Re: Rebalancing my Portfolio... Help Please!

Thanks dbr! A couple of questions: Usually you should harvest existing tax losses and would prefer VXUS as a replacement anyway. I'm still getting my head around tax loss harvesting. Do the losses have to be losses incurred in the current tax year or can/do they include losses from the date of orig...
by saferthansome
Tue Feb 12, 2013 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing my Portfolio... Help Please!
Replies: 6
Views: 542

Re: Rebalancing my Portfolio... Help Please!

Usually you should harvest existing tax losses and would prefer VXUS as a replacement anyway. Thanks dbr! A couple of questions: I'm still getting my head around tax loss harvesting. Do the losses have to be losses incurred in the current tax year or can/do they include losses from the date of orig...
by saferthansome
Tue Feb 12, 2013 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing my Portfolio... Help Please!
Replies: 6
Views: 542

Re: Rebalancing my Portfolio... Help Please!

Thank you for your response! May I ask a few follow up questions? 2) I think holding some TIPs is a good idea, especially since Vanguard Total Bond does not contain any. I'm sorry if this information is posted somewhere else but is there a particular percentage of one's overall holdings that you cou...
by saferthansome
Tue Feb 12, 2013 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing my Portfolio... Help Please!
Replies: 6
Views: 542

Rebalancing my Portfolio... Help Please!

Hello everyone. So it's been a couple years since I first set up my portfolio, with help from this site. I am now 32 and married. I'm still in music (with an income that fluctuates year to year). The past few years have been fairly dry in terms of really being able to put too much more into retireme...
by saferthansome
Mon Feb 11, 2013 11:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing my Portfolio... Help Please!
Replies: 6
Views: 542

Re: Bonds and Bond Funds are now considered Risky Investment

I know that one of the things people on here say often is not to try to time the market.... But here I go anyway... I was looking at making a big bond buy in my Roth IRA. My outlook is very longterm (30+ years). But since EVERYONE is saying there's gonna be a bond bubble "burst" might it n...
by saferthansome
Sun Feb 10, 2013 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds and Bond Funds are now considered Risky Investments?
Replies: 40
Views: 3349

Saferthansome, What your doing is sticking with your plan, good. Taking the 3% for bonds from your equities is such a minute percentage, it hardly matters where it's coming from. So leaving your REIT allocation as is and taking a little from domestic and international is fine. And the small differe...
by saferthansome
Fri Jul 22, 2011 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio....
Replies: 26
Views: 4466

Hi... It's been a long time! I've been plugging along and my own and things are going well. I have a question about adjustments to my asset allocation... When I was 27 I had the following asset allocation: 45% domestic stocks 7% REIT 36% international stocks 6% nominal bonds 6% inflation protected s...
by saferthansome
Fri Jul 22, 2011 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio....
Replies: 26
Views: 4466

Yeah, that's the plan, But I wanted to see if anyone thought all the doom and gloom meant it might be worth waiting a week before rebalancing...

Thanks!
M
by saferthansome
Tue Oct 07, 2008 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing?
Replies: 3
Views: 790

Rebalancing?

Hi,

It's time to rebalance my portfolio... I'm in a few different total market funds and they are all a bit out of wack. Is now as good a time as any to do this or should I wait until things settle down a bit?

Thanks,
M
by saferthansome
Tue Oct 07, 2008 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing?
Replies: 3
Views: 790

They are EE bonds. But you said that doesn't much matter, so I should plan on selling them while I am in a lower tax bracket?

M
by saferthansome
Sun Aug 24, 2008 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio....
Replies: 26
Views: 4466

Sorry... what is an I bond? Are there different types of savings bonds that it might be, and if so how can I tell (and following up would that affect any of this as far as the tax issue is concerned?)

Thanks...
by saferthansome
Sun Aug 24, 2008 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio....
Replies: 26
Views: 4466

UPDATE: My First Portfolio...

Hi... So I am sitting down trying to rebalance my portfolio, and I have hit upon a question. I recently discovered that I have a significant amount of savings bonds that my mother took out in my name... They will not mature until 2023, but their face value is worth about 20% of my overall portfolio....
by saferthansome
Sat Aug 23, 2008 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio....
Replies: 26
Views: 4466

Thanks, will do...

M
by saferthansome
Mon May 12, 2008 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio....
Replies: 26
Views: 4466

Sorry, I should have been able to put that together myself based on the info in your 1st post. Thanks for helping to hammer that one home. This question is perhaps really for a Fidelity representative, but do you know where on their "research" page for a particular fund one one can find a ...
by saferthansome
Sat May 10, 2008 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio....
Replies: 26
Views: 4466

Also, having an MBA from a top program and taking advice from journalists who write those publications is like a Phd scientist taking advice from a Papua New Guinea cannibal witchdoctor. Not commenting on the MBA-->Journalist aspect of your comment at all, you'd probably be surprised at what a PhD ...
by saferthansome
Sat May 10, 2008 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering adding FAIRX and CGMFX before I deploy
Replies: 28
Views: 4312

Ok, a few more questions before I'm ready to make some moves... Thanks for your time! 1) When I use the FINRA mutual/ETF expense analyzer (I would put the link in here but since I'm a new member I'm not allowed), the Fidelity Spartan International Index (FSIIX)beats both the Vanguard Total Internati...
by saferthansome
Sat May 10, 2008 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio....
Replies: 26
Views: 4466

What about buying a home that has an apartment built into it and then renting out that apartment while you live there... Would that make sense (financially, that is)?
by saferthansome
Fri May 09, 2008 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: buying my first home...(long)
Replies: 24
Views: 5151

Ok, so playing with that ETF calculator some it really seems like as long as I'm holding oto these things for the long term they are a much lower cost option for me....
by saferthansome
Fri May 09, 2008 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio....
Replies: 26
Views: 4466

I agree that savings rate is the most important thing. The poster saferthansome should have called himself saferthanMOST, since the average 27 year-old is in debt and certainly not even thinking about the future (other than maybe the upcoming weekend). Immediately dropping out of college, driving a...
by saferthansome
Fri May 09, 2008 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio....
Replies: 26
Views: 4466

Welcome to the forum! Thank you! And thank you for such specific advice.. I have some specific questions... and some ETF reading to do... I recommend selling Fidelity Balanced (FBALX) (0.61%) Permanent Portfolio (PRPFX) (1.11%) The former is tax inefficient. You shouldn't put a fund containing taxa...
by saferthansome
Fri May 09, 2008 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio....
Replies: 26
Views: 4466

Thanks for the input and the reading... To be sure the plan is to increase the ratio of bonds to stocks (roughly 1% a year)... but I'll have a think about that. Any suggestions? While I grant that my job involves a certain amount of risk, I wouldn't characterize it as being risky, not particularily ...
by saferthansome
Fri May 09, 2008 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio....
Replies: 26
Views: 4466

My First Portfolio....

Hello, and thank you for your time... Getting Started... Emergency funds = Yes. 6 Months... Debt: No Debt Tax Filing Status: Single Tax Rate:My income varies widely year to year (I'm a musician), so 2007 fed rate was 28%, whereas 2006 was 15%. City/State combined is about 10.5% Age: 27 Desired Asset...
by saferthansome
Fri May 09, 2008 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio....
Replies: 26
Views: 4466

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