Bogleheads

Thank you to everyone that has replied thus far. Since I am opening a new Roth in her name I can only choose one fund due to fund minimums even though I will be maxing it out. Following the great ad ...

Just wanted to say thank you to everyone that has replied and offered your insight and experience on this topic. Thank you!

I have wachovia and she has BOA. I know this question somewhat depends on the individuals involved, but how did you handle multiple banks once you were married? Transfer all to one bank with both pa ...

I am opening a new Roth for my wife and maxing it out. Per our desired asset allocation we need bonds. I hold a 50/50 split of TBM/TIPS in my Roth, and will eventually do this also in her Roth. Until ...

I'd love to see that. For savvy employees, they can opt out of the crappy plan and open their own accounts. Sadly, I fear that many employees may just take the path of least resistance and go wi ...

Par for the course, I believe.

Pamela

So I assume I have to allow them access to my credit report? I am not worried about the employment verification. Although, I do not see the point in allow ...

Just opened a couple of GMAC CD's. As part of my enrollment package they are requesting I sign and date their "signature cards" and return to them in order to protect my account by verifyin ...

I think if you post your current portfolio holdings in all accounts per the "Asking Portfolio Questions" sticky you may get better responses from the Boglehead community.

My general tho ...

Dollar Savings Direct savings account, 3.5%.

I have been watching this bank for months and it appears just recently they lowered there rates to 3.5 from 4.0%. Are you worried this trend will conti ...

Emergency fund issues are certainly a hot topic here. For simplicity I have always kept my first line EFs in a taxable VG Prime MM account. I don't have the time or patience to chase higher rates.

...

I was just wondering where fellow Bogleheads are storing there emergency savings nowadays. Any thoughts and wisdom is greatly appreciated. Thanks! -Calloway

Thank you everyone for your quick feedback. This forum is such a great information tool.

I understand everything now. I did not realize I could open an individual account with Vanguard (therefo ...

I am 26 years old, 25% Federal tax bracket, 0% State taxes (Florida). I am exhausted with chasing the latest greatest online savings account rates just to see them drop months after opening accounts. ...

You might consider dollarsavingsdirect.com, one of the online banks of Emigrant Bank, a bricks-and-mortar here in New York. Their current savings account rate is 4%, 16 month Cd: 3.5%.

Capt, I hav ...

a) check if the old account has a minimum balance before a fee (i don't think capone does)

b) If closing an account fully, find out what happens to accrued but not paid interest. You may need to w ...

Have you considered Alliant Credit Union? They are very sound and have had a record of highly competitive rates. Here are some discussions you may find useful,

tidelandp - thank you for t ...

Something to keep in mind: Trying to zero out your account without directions to close it may automatically trigger fee complications for dipping below minimum balance requirements. Not being fa ...

I have an online savings account with Capital One and thinking of transferring my money to another provider currently offering a better rate. If I transfer all funds within the Capital One account, t ...

calloway,

The boglehead wiki might answer your question.

Laura

I greatly appreciate your help Laura. Thank you!

Laura,

I have a question if I may on your recommendation. You gave the recommendation of investing $7K in FTSE World ex/US for the taxable account. Is there a reason you chose this fund ...

Her income doesn't exceed $100K (unless she is holding out on me Surprised

) so the rollover shouldn't be a problem in regards to income limitations. Once again brilliant advice! Thank you.

My fiance had a investment question for me that I was uncertain how to answer properly and figured what better place to get some help. She has two previous 401K's (one with American Funds and one wit ...

Calloway:

Dan Kohn is one of our most experienced and knowledgeable contributors. You are in expert hands. If it makes you feel better, I agree with Dan's suggestions to your well-thought-out po ...

Here is what I would recommend as of June......

401(k) 50%
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50% Total Stock Market Index Fund (JETSX) (0.57%)

Vanguard Roth IRA 50%
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Total Stock Market ...

How much money do you have now? Or alternatively (it's just algebra), what % will your new IRA contributions (last year plus this year) represent of your portfolio?
To answer the question, I’m usi ...

Tax Rate: 25% Federal 7% State (Florida)

Not that this really adds much to the discussion, but I believe Florida has no state income tax.

Skow, you are correct. I have corrected the original ...

I hope everyone is having a good start to a new year. As of the first of this year, I became eligible to begin contributing to my company's 401K plan with John Hancock. I have read a majority of the r ...