Search found 105 matches

by AllieTB1323
Thu Apr 20, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Moving my mother's obscure funds to Vanguard
Replies: 11
Views: 995

Re: Moving my mother's obscure funds to Vanguard

From experience I can say RBC will charge an account closure fee but it is money well spent.
by AllieTB1323
Thu Apr 20, 2017 4:50 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 292
Views: 25707

Re: Larry Swedroe says "Goodby."

I too have always enjoyed Larry's informative, insightful and thought provoking posts. Bogleheads will be less without them. I can only hope that Larry will take a break and then decide to come back and participate at a level that he is more comfortable with and ignoring the "noise." I kn...
by AllieTB1323
Sat Apr 15, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Grass is always greener!
Replies: 16
Views: 2761

Re: Grass is always greener!

Before you start putting a bunch of stuff on the lawn, have the soil tested so you know what the deficiencies are. We had very low PH soil so it took a couple of years to raise the PH. Then we had the front lawn killed and seeded in the fall. This fall we will kill the back yard and seed. Unless yo...
by AllieTB1323
Mon Apr 10, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: The Stages of Retirement Saving
Replies: 55
Views: 10208

Re: The Stages of Retirement Saving

Always had one number - enough to support same financial lifestyle as when working (plus a buffer) when not working. Shedding debt and dependants are as important as savings in this equation if not more so. 22 months out and looking good - set my date in 1990 and haven't changed it other than a few...
by AllieTB1323
Thu Mar 30, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 162
Views: 22876

Re: What was your costliest investment mistake?

Twice, the first was getting talked into purchasing Munder NetNet B during the dot.com boom. It went straight up and defied Newtonian physics on the way down. The second was believing anything Washington Mutual management said about the company's stability. Made a great tax deduction. Munder taught ...
by AllieTB1323
Tue Mar 28, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Chores for elementary school age kids?
Replies: 18
Views: 1299

Re: Chores for elementary school age kids?

Our two girls were responsible for clearing the dining room table, loading the dishwasher, making their beds etc. Yup, we almost always ate dinner together at the table. As they became teenagers they also worked part time at our business. I think the work and chores helped our girls become organized.
by AllieTB1323
Sun Mar 12, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited 300K, how to reinvest?
Replies: 30
Views: 2457

Re: Inherited 300K, how to reinvest?

I would absolutely move the IRA to Vanguard and get it set up however you want. Do a search for "three fund portfolio" or pick a Target Date fund that suits. The "basis" of the Oakmark should be the value at the time of the inheritance. The only tax consequences would be on gain...
by AllieTB1323
Mon Mar 06, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Do returns ever justify higher ERs?
Replies: 21
Views: 1610

Re: Do returns ever justify higher ERs?

The fund is an odd duck. I have a very small allocation in it. Here is a recent WSJ article about the fund.

https://www.wsj.com/articles/getting-sh ... 1488554133
by AllieTB1323
Sat Mar 04, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3518

Re: Where do you order checks from?

Costco https://www.costcochecks.com/p/blue-safety-checks/88345 not sure about shipping We write 5 checks a month mostly to a home cleaner and a trainer. They'd prefer cash but will accept a check. So the Costco quantity should last about 5 years. We try to charge everything. If we have to write a c...
by AllieTB1323
Fri Mar 03, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3634

Re: Giving my lawn the TLC it needs

In a prior life I was an agronomist and owned and operated a private soil testing lab. So can I ask some questions then please? I just assume that homeowners who have soil tests done dig up a little bit of soil from one place in the yard and send it off. I can imagine that different parts of the ya...
by AllieTB1323
Fri Mar 03, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3634

Re: Giving my lawn the TLC it needs

Throw away the estimate if they're not doing a soil test. As someone earlier suggested, go to http://www.aroundtheyard.com forums. Spend $20 for a soil test and post the results there. They will give you a plan for what you need to do with mostly non-chemical fertilizers. They are very helpful and ...
by AllieTB1323
Sat Feb 25, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting Aging Parrents - Advice Please
Replies: 25
Views: 2720

Re: Protecting Aging Parrents - Advice Please

Also, check to see if your state has laws governing the financial exploitation of vulnerable adults. We used the Washington State DSHS to chase away a few grifters angling for my stepfather's assets.
by AllieTB1323
Sat Feb 25, 2017 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 84
Views: 6104

Re: Vanguard Lousy Customer Service

Cut them a little slack because they are growing rapidly. Just reached $4 trillion in assets. They are kind of the Costco of the investing world. Low prices and best products but minimal customer service to keep costs down. Don't know about you but I'm less than tolerant about service providers scr...
by AllieTB1323
Tue Feb 14, 2017 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: 24 with a $300,000 trust. Need Advice
Replies: 13
Views: 1242

Re: 24 with a $300,000 trust. Need Advice

Do you have a copy of the trust document? If not, get one. You are entitled to it, and should insist. If PNC is the trustee, talk to their trust department. Then read through the trust to see what rights you have to appoint or change trustees. Also read what the trust directs the trustees to do. Ma...
by AllieTB1323
Fri Feb 10, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest- fear of crash
Replies: 58
Views: 4480

Re: When to invest- fear of crash

The biggest losers during the 2000 and 2008 declines were those who sold at the lows and never went back into the markets.

Since I have a tendency to fuss about the day to day market moves (noise) I simply setup periodic automatic buys and stopped watching the random price changes.
by AllieTB1323
Fri Feb 10, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: What is the prediction of future long-term returns for your portfolio?
Replies: 63
Views: 4971

Re: What is the prediction of future long-term returns for your portfolio?

Expect 5.0%

Plan using 3.0%.

I'm a "Glass Half Empty" type of a person.
by AllieTB1323
Mon Feb 06, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Does the Expense Ratio only apply at time of purchase?
Replies: 13
Views: 1467

Re: Does the Expense Ratio only apply at time of purchase?

Expense ratios are an annual expense. Bogleheads think low ERs are extremely important, especially over the long-term and on big balances. For a small balance the costs aren't dramatic. Do the math yourself. VTSAX (admiral Total Stock Market) .05% ER X $10,000 = $5 annual expense VTSMX (investor sh...
by AllieTB1323
Fri Feb 03, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: It appears Fiduciary changes may not happen after all.
Replies: 84
Views: 6329

Re: It appears Fiduciary changes may not happen after all.

willing2try wrote:Thankfully, the horrible burden of being honest will be lifted from America's financial sector. Great move.


+1

I wasted time writing my Congressman about the fiduciary rule. Alas, the Golden Rule: Who has the Gold rules.
by AllieTB1323
Fri Feb 03, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: All investments with Vanguard - Should I diversify
Replies: 19
Views: 1856

Re: All investments with Vanguard - Should I diversify

mcraepat9 wrote:Fidelity would be my second choice. If not available, I would choose Schwab.


We diversified for much the same reason. We have accounts at Vanguard and Fidelity. We use Fidelity as our primary brokerage account.
by AllieTB1323
Fri Jan 27, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2589
Views: 674672

Re: What Movie Have You Recently Watched?

Hidden Figures I just saw this powerful, evocative, and uplifting newly released movie today. It connected with me deeply on so many levels: the power of math, the importance of fighting racism and sexism, and my early childhood memories of starting school immediately after Sputnik. Anyone else my ...
by AllieTB1323
Mon Jan 23, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: What is a good laptop to buy?
Replies: 90
Views: 7199

Re: What is a good laptop to buy?

I went from a Windows based laptop to a MacBook several years ago. Mac's are solid and don't come with all the preinstalled junk populating some Windows base units. If you want to stay with Windows, buy a laptop from a Microsoft Store. All the computers they sell, which include major brands like De...
by AllieTB1323
Mon Jan 23, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: What is a good laptop to buy?
Replies: 90
Views: 7199

Re: What is a good laptop to buy?

macs - last longer and better resale, better uptime, etc. Would definitely consider a macbook. Price is higher and worth every penny. 17 not available though. Plus 1! I went from a Windows based laptop to a MacBook several years ago. Mac's are solid and don't come with all the preinstalled junk pop...
by AllieTB1323
Fri Jan 20, 2017 4:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 63
Views: 5846

Re: Vanguard 1099s available - Other companies just as good for sending 1099s???

From Vanguard's website:

"Brokerage account forms and statements are available by late February (to help reduce the number of revised statements that may result from income reclassifications by securities issuers)."

Fidelity is on about the same timeline for the same reason.
by AllieTB1323
Thu Jan 19, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Questions to ask Financial Advisor about moms investments
Replies: 29
Views: 1727

Re: Questions to ask Financial Advisor about moms investments

Been in your position. Mom worth 8+ figures. Merril Lynch. Old guy FA. Softspoken. Wise demeanor. Master of the "Yoda" crouch, head tilt, sympathetic nod, elder shuffle. You haven't got a chance. Just be courteous. Your mom will be proud of her "young son". He might even pat you...
by AllieTB1323
Wed Jan 18, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: All eggs in one basket
Replies: 14
Views: 1936

Re: All eggs in one basket

In my humble opinion there's nothing wrong with having all your investments at Vanguard or Fido or Schwab.

Since 2008, my DW has felt more comfortable having our investments split between Vanguard and Fido. Come tax time the extra paperwork isn't much of a bother.
by AllieTB1323
Tue Jan 17, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Junior and Senior Financial Independence
Replies: 35
Views: 1993

Re: Junior and Senior Financial Independence

Longdog wrote:I think the baseline should be your annual expenses, not annual income. But an entertaining concept, nonetheless.



Ditto, when we worked our income was about four times our expenses. Helped to live in a low cost area and have frugal tastes.
by AllieTB1323
Thu Jan 12, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Options for parents' Social Security
Replies: 21
Views: 1760

Re: Options for parents' Social Security

It is not just your father's longevity, it is your mother's as well. It is very likely that one of them will live into their late 80's or early 90's. The survivor's benefit is 100% of the HIGHER of the two benefits, so your mom will get 100% of your Dad's benefit (if, as you say, he has the higher ...
by AllieTB1323
Thu Jan 12, 2017 9:43 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 18733

Re: How Bad was 2008, really?

I posted in the original Sheepdog thread, so I won't repeat myself here, but it was really bad. It's not just the market drop, it's everything else. Just a few personal observations of that time: A neighbor was a recently retired Executive VP of a large regional bank (top 20 in size). He was at a l...
by AllieTB1323
Tue Jan 10, 2017 10:24 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 18733

Re: How Bad was 2008, really?

I was 50, and 100% in the Russell 2000 in my 401k, putting the max into it trying to catch up on my late start to investing. I had almost 10 years of contributions invested at that point. All of my raises had gone to increase the amount I put in. All at once, half of that was gone, and every month ...
by AllieTB1323
Tue Jan 10, 2017 5:18 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 18733

Re: How Bad was 2008, really?

It was a great opportunity. Most investors didn't realize it at the time though. :sharebeer We were lucky, our business was on a tear which gave us sufficient funds to invest both in retirement and taxable accounts. My FIL was hurt by the Lehman mess. I learned my lesson not to buy individual stock...
by AllieTB1323
Fri Jan 06, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Problem: Electronic transfer limits. Also: portfolio advice.
Replies: 17
Views: 899

Re: Problem: Electronic transfer limits. Also: portfolio advice.

NotWhoYouThink wrote:Just this morning I moved 6 figures from my regional midwestern bank to Vanguard, doing what goingup suggested above. Works every time.


+1.

Works! Used it at both Vanguard and Fidelity. Once setup then Vanguard or Fido does the work. I do everything in my power to avoid dealing with banks.
by AllieTB1323
Thu Jan 05, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Experienced investor: For your portfolio, at what point compound interest really kick in for you? $500k? $1million+?
Replies: 35
Views: 4589

Re: Experienced investor: For your portfolio, at what point compound interest really kick in for you? $500k? $1million+

My portfolio never really earned interest because interest rates were always lower than what I thought equities could do. So I never thought of it as "compounding" because it was never steady. However, I did notice a couple of things that might help answer your query: 1. I noticed when I ...
by AllieTB1323
Thu Jan 05, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes
Replies: 16
Views: 1584

Re: Estimated taxes

I honestly don't even calculate my estimated taxes. I just pay the IRS what I think is a fair share and pay the penalty at the end. Ends up being $200 or so, which is ok by me. I let our accountant come up with a figure then I run a seat of the pants guess. Most of the time my number is lower so th...
by AllieTB1323
Wed Dec 28, 2016 12:45 pm
Forum: Investing - Theory, News & General
Topic: High Dividend Yield Index Fund
Replies: 33
Views: 5119

Re: High Dividend Yield Index Fund

They are two classes of the same fund. The ETF class has a slightly lower expense ratio than the mutual fund, and doesn't have the $3,000 initial investment requirement. But as you indicated, you cannot reinvest the dividends as you can with the mutual fund class. ???, I own the ETF at Fido and rei...
by AllieTB1323
Wed Dec 28, 2016 12:35 pm
Forum: Investing - Theory, News & General
Topic: High Dividend Yield Index Fund
Replies: 33
Views: 5119

Re: High Dividend Yield Index Fund

They are two classes of the same fund. The ETF class has a slightly lower expense ratio than the mutual fund, and doesn't have the $3,000 initial investment requirement. But as you indicated, you cannot reinvest the dividends as you can with the mutual fund class. ???, I own the ETF at Fido and rei...
by AllieTB1323
Mon Dec 26, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Question about trusts & estate
Replies: 40
Views: 3644

Re: Question about trusts & estate

It sounds to me as if you have become successor trustee of a trust for your mother as the result of your father's death. It then appears there are those who would like to destroy the trust by having you transfer the assets to your mother. Not only may this be illegal and subject you to civil liabil...
by AllieTB1323
Mon Dec 26, 2016 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Big drop in Vanguard Wellington Fund on Dec 23
Replies: 11
Views: 3121

Re: Big drop in Vanguard Wellington Fund on Dec 23

I have a question about the recent drop in Vanguard Wellington Fund Shares (VWENX). On Thurs Dec 22 it closed at $69.45 On Fri Dec 23 it closed at $67.76, down $1.69. Normally, this fund moves in the $0.20 to $.40 range, $1.69 seems out of ordinary for it. It has been above $67.75 since Dec 1, and ...
by AllieTB1323
Tue Dec 20, 2016 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: When/Whether to Start Thinking About: A Will, Liability Insurance, Umbrella Insurance
Replies: 9
Views: 1293

Re: When/Whether to Start Thinking About: A Will, Liability Insurance, Umbrella Insurance

Most umbrella policies aren't overly expensive. We have had our umbrella insurance policy for years and it helps us sleep better. I am in the position having to deal with a thin skinned very litigious relative who has threatened to sue me on many occasions. With his wacky erratic behavior I consider...
by AllieTB1323
Sun Dec 18, 2016 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity ERs - Look Into Your Crystal Ball
Replies: 21
Views: 1829

Re: Fidelity ERs - Look Into Your Crystal Ball

My crystal ball broke years ago. But I've owned Fido index funds for 25 years and the expense ratios have only gone in one direction. Down. Competition from Vanguard, index ETFs, etc. ought to keep ERs low. But you may not be able to get what you want in Fido open end funds if you have a slice &...
by AllieTB1323
Tue Dec 13, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 14758

Re: How old is your vehicle?

Wife's car is a 2008 Honda Accord with about 50K on it. Mine is a 2009 Chev 1500 pickup with about 45K on it. My play car is a 1994 Corvette garage queen with about 70,000 total miles. Other than oil changes none of the cars have cost us a penny in maintenance in the last four years.
by AllieTB1323
Sun Dec 11, 2016 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 128
Views: 9811

Re: HSA - is keeping 40 years of medical records practical?

I choose the simpler path and use my HSA debit card for elibilbe medical expenses as they occur. The debit card automatically approves the expense if it's eligible and keeps transaction history. Ditto for DW and myself. Two years ago she had a breast cancer scare and the HSA was a bridge preventing...
by AllieTB1323
Sun Dec 11, 2016 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Placing a market order over the weekend
Replies: 18
Views: 1861

Re: Placing a market order over the weekend

VA_Gent wrote:This is why you NEVER use market orders.

Why don't you just cancel the order?



Agreed, market orders, especially at the open of the trading day are dangerous.
by AllieTB1323
Mon Dec 05, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 45
Views: 3742

Re: Fidelity or Vanguard

I purposely divided assets between VG and Fido several years ago so that I could experience both companies and make an informed, first hand decision on where I wanted to conduct business. I am now 100% Fido. Yup, we were split between VG and Fido but finally got frustrated with VG's horrible websit...
by AllieTB1323
Tue Nov 22, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to keep over 250K cash in one savings acount?
Replies: 19
Views: 3054

Re: Okay to keep over 250K cash in one savings acount?

bligh wrote:gsbank.com . I have been using it for a while and have had zero issues.



Ditto, Slightly higher interest rate and we have had no problems.
by AllieTB1323
Mon Nov 21, 2016 1:58 pm
Forum: Investing - Theory, News & General
Topic: Father passed - First steps to taking over finances?
Replies: 25
Views: 2448

Re: Father passed - First steps to taking over finances?

Be sure to save and check all of his incoming mail, especially important at this time of the year to catch end of year statements. Do you have access to his email for accounts that issue online only statements? Sorry for your loss. I have been the executor of both parents estates. I needed less tha...
by AllieTB1323
Sat Nov 19, 2016 4:44 pm
Forum: Investing - Theory, News & General
Topic: Individual stocks that are sound w/ indexing
Replies: 84
Views: 6821

Re: Individual stocks that are sound w/ indexing

William4u wrote:For an individual stock I'd go with VTI. :wink:


+1,

Washington Mutual cured me of the urge to own individual stocks. Lehman cured my father-in-law of the same tendency.
by AllieTB1323
Wed Nov 16, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: [Spouses with no interest in investing]
Replies: 62
Views: 6351

Re: spouses that careless about investing

I think for 90% of people talking about investing is like watching paint dry. Then 9.9% likes to talk about it and trade stock tips and play the market. The remaining 0.1% are Bogleheads :) +1 Ha, our marriage is of two Bogleheads. My wife and I co-owned and co-managed a business for over thirty ye...
by AllieTB1323
Thu Nov 10, 2016 9:05 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 331
Views: 56232

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

Yes, we and many of the people I know have stealth wealth. Looking at them and talking to them, you'd never guess that they have 6 figures of income per year and a net worth of 7 or more figures. They drive regular, reliable cars until they decide it's time to swap them for a newer used car or even...
by AllieTB1323
Sun Sep 25, 2016 7:18 pm
Forum: Investing - Theory, News & General
Topic: Financial planner: % of AUM plus commissions?
Replies: 21
Views: 1698

Re: Financial planner: % of AUM plus commissions?

Consider the 1% in this light.... A generally accepted starting point is that you can withdrawal 4% of your savings in retirement, as a very rough starting point. Let's say your friend did very well and saved up enough to retire on 100k / year. With this arrangement, your friend is agreeing to reti...
by AllieTB1323
Thu Sep 22, 2016 11:13 pm
Forum: Investing - Theory, News & General
Topic: Help understanding the attraction to W & W [Wellington/Wellesley]
Replies: 38
Views: 4532

Re: Help understanding the attraction to W & W [Wellington/Wellesley]

Yes, a possible key to the appeal of Wellington and Wellesley is simply name recognition due to age and mutual fund size. Wellington, founded in 1929, might be the second-oldest surviving mutual fund. (MFS's Massachusetts Investors' Trust, MITTX, founded in 1924, is often cited as the oldest). Mutu...

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