Search found 115 matches

by Guardyourheart
Sun Mar 26, 2017 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Are Bogleheads in the minority on the use of investment advisors?
Replies: 86
Views: 4818

Re: Are Bogleheads in the minority on the use of investment advisors?

jharkin +1. Sometimes it's not about what you make but how you spend. I suffered a stroke a year ago and for the first time in my life I had to find and hire people to do stuff for me..... That's alone is a hassle besides expensive.
by Guardyourheart
Thu Mar 16, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 29
Views: 4049

Re: PurePoint 1.25% online savings $10K min

If I was looking today for an online bank it would be tough not to go with PurePoint over Ally. Going to sleep on this but I am leaning hard toward moving to PurePoint. Better rates on both saving and CDs. I don't care about checking or debit cards
by Guardyourheart
Tue Mar 14, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Redneck/All American Bank
Replies: 17
Views: 2164

Redneck/All American Bank

I keep looking at this bank trying to see the downside... other than the name. I could stash $35k for the Mrs and another $35k in my own separate account and earn 1.25% and the funds would be totally liquid in the event an investment opportunity comes along. This seems more advantageous than a one y...
by Guardyourheart
Sun Mar 12, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Home Transfer
Replies: 18
Views: 1048

Re: Home Transfer

I have 4 adult children and they all get along (mostly) The home is worth about 500k And I plan to leave another 1.5M in cash/investments. My wife and I always have kept things fair finacially, my desire is if one them wants the home just buy the others out. As for cars and other stuff my will has a...
by Guardyourheart
Sun Mar 12, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Home Transfer
Replies: 18
Views: 1048

Re: Home Transfer

Thanks for the input, I think I will go ahead and file it. The form is super simple, if we outlive any of our kids I can easily re-file a new form, only cost' about $150 with the County Recording office.
by Guardyourheart
Sat Mar 11, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Home Transfer
Replies: 18
Views: 1048

Home Transfer

My wife and I are looking at filing a Transfer on Death Deed to pass our home to our adult children when we pass, we are in Minnesota so it appears to be a legal document in this state. Anyone have an opinion on this? I do have a Will as well and beneficiaries on all accounts... it's my understandin...
by Guardyourheart
Fri Mar 03, 2017 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Ever dip your feet into individual stocks?
Replies: 63
Views: 3259

Re: Ever dip your feet into individual stocks?

Yep, a little just for fun. I do know a guy who owns 1 stock in a 2MM portfolio....it's Apple. That' what I call high risk but it worked out well for him.
by Guardyourheart
Sun Feb 26, 2017 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: College town rental property a good idea?
Replies: 6
Views: 647

Re: College town rental property a good idea?

Are you really handy at home repairs? If not stay away, rental income is a lot of work and grief, if you have to hire out repairs you will be lucky to break even...IMO
by Guardyourheart
Wed Feb 15, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: CIT Bank???
Replies: 6
Views: 491

Re: CIT Bank???

thanks smpatel, I just hate starting with a bank only to be tricked by rate changes within weeks. BTW they are offering a $100 bonus for keeping $15k there for 3 months, better than nothing
by Guardyourheart
Wed Feb 15, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: CIT Bank???
Replies: 6
Views: 491

CIT Bank???

I'm looking to buy 1 year CD's and CIT Bank is offering 1.32% APY. They also offer 1.05% on their online savings. Looks very competitive, wondering if there are any negatives with this bank? I Curently have an account with Ally, just looking at better 1 year CD rates
by Guardyourheart
Sun Feb 05, 2017 2:25 pm
Forum: Investing - Theory, News & General
Topic: Financial Fortitude radio show
Replies: 7
Views: 735

Financial Fortitude radio show

Anybody ever listen to this show, they just got done joking about "Indexers" and keep telling me the market is scary and they can help get great returns with no risk....than they talk some more but never give any specifics. I'm tempted to go to their free seminar but I'm pretty sure I woul...
by Guardyourheart
Sat Feb 04, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Ethically Grading Your Portfolio
Replies: 21
Views: 1379

Re: Ethically Grading Your Portfolio

A politically correct portfolio... this is a slippery slope, good luck, you do realize this is basically impossible. Let's just start with how does each company you want to invest with treat their employees?
by Guardyourheart
Fri Jan 13, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about leaving Ameriprise
Replies: 40
Views: 1626

Re: Thinking about leaving Ameriprise

Here's a free tip for all financial situations....DON'T DO BUSINESS WITH FRIENDS AND RELATIVES
by Guardyourheart
Sun Jan 01, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: 4% Guaranteed
Replies: 3
Views: 1139

Re: 4% Guaranteed

Yes FDIC insured
by Guardyourheart
Sun Jan 01, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: 4% Guaranteed
Replies: 3
Views: 1139

4% Guaranteed

I have a nice little benefit from work, they offer a guranteed 4% savings account, no match or anything but I can put up to 100% of my anual salary in. It is a taxable account. Curious, how many of you would stay out of the market and take the quarenteed 4%? One drawback is when I retire this is no ...
by Guardyourheart
Sat Dec 17, 2016 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting muni bonds - are you still moving back?
Replies: 19
Views: 1338

Re: Tax loss harvesting muni bonds - are you still moving back?

I'm with ya on this, sold my VWIUX on 11/22 and plan to buy VWLUX on 12/23 but only if it's at $11 or less. If not I'm going to CD's.
by Guardyourheart
Wed Dec 14, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: TLH repurchase
Replies: 2
Views: 205

Re: TLH repurchase

Good point, the fund I sold was VWIUX, intermediate muni bond and I'm thinking about purchasing VWLUX long term muni bond fund. I kinda park my cash in muni bonds to avoid taxes and get some sort of return, I can always sell if necessary plus a $100k of VWLUX brings in about $300 per month which is ...
by Guardyourheart
Wed Dec 14, 2016 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: TLH repurchase
Replies: 2
Views: 205

TLH repurchase

This is my first time using TLH and I'm trying not to screw it up. I sold a mutual fund through vanguard on 11/22 which was executed after close of market/business that day. So if I count of 31 calendar days I believe I can repurchase that same fund on 12/23. Does that sound correct?
by Guardyourheart
Mon Nov 21, 2016 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house for your college kid?
Replies: 46
Views: 4037

Re: Would you buy a house for your college kid?

Heck no +1 just pay the rent, kids change colleges like underwear, very common to attend multiple schools before if ever graduating. Plus don't forget a year of traveling abroad, just pay the rent
by Guardyourheart
Sun Nov 20, 2016 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: TLH Question
Replies: 1
Views: 186

TLH Question

This is just a follow up to a previous thread. Can I sell my VWIUX (Intermediate tax exempt bonds) use the TLH wash sale rule and imediatley repurchase VWLUX (Long term tax exempt bonds) or are the funds considered too similar?
by Guardyourheart
Sun Nov 20, 2016 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony vs Ally
Replies: 37
Views: 4075

Synchrony vs Ally

I'm looking for an online bank for savings and short term CD's. I like both Synchrony and Ally, i do not need a chcking account. Based on this which would you pick. I'm leaning towards Synchrony.
by Guardyourheart
Sat Nov 19, 2016 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Question
Replies: 5
Views: 368

Re: TLH Question

I do own a bunch of individual muni-bonds that I inherited years ago but no other VWIUX. So to be clear, do I need to reinvest the remaining $48k in order to take the tax deduction? Sorry, I know it's a dumb question, just don't want to screw this up.
by Guardyourheart
Sat Nov 19, 2016 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Question
Replies: 5
Views: 368

TLH Question

This is my 1st attempt at TLH so please have patience with me I had some extra cash 4 months ago and my AA indicated I should add to my bonds. Tax advantaged were maxed so I bought $50k worth of VWIUX (Vanguard Intermediate Tax Exempt Muni Bonds) That fund has dropped to $48k so I was planning to se...
by Guardyourheart
Sun Oct 30, 2016 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 14610

Re: Health Insurance rates went up

Premiums are not going up for everyone... my sister's loser boyfriend quit working at 50 years old, he's now 57, flat broke and you guessed it, has free medical insurance through MN Care.
by Guardyourheart
Sun Oct 30, 2016 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: AllyBank CC [Credit Card]
Replies: 8
Views: 1065

Re: AllyBank CC

Midareff, that''s what I'm looking for but I don't have an account with Fidelity, checking with Citi to see what they can do.
Thanks
by Guardyourheart
Sun Oct 30, 2016 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Debt Free... Now What?
Replies: 28
Views: 3077

Re: Debt Free... Now What?

Here is some free advice that I learned long ago "HALT" Never make big decisions whe you Hungary, Angry, Lonely, or Tired. And in this case bored. I'm in a similar situation at age 55 and so far I'm still working, I'm concerned about boredom of retiring too young.
by Guardyourheart
Sun Oct 30, 2016 8:27 am
Forum: Personal Finance (Not Investing)
Topic: AllyBank CC [Credit Card]
Replies: 8
Views: 1065

AllyBank CC [Credit Card]

Thinking about switching to Ally Bank credit card, I like to keep things simple and since they are my online bank it seems to make sense. Anyone have an opinion on Ally's cc? Right now I have citi and they are fine, just thinking Ally is about the same plus can offer a couple extra perks as my bank.
by Guardyourheart
Sat Oct 29, 2016 6:10 pm
Forum: Investing - Theory, News & General
Topic: How much international?
Replies: 80
Views: 7882

Re: How much international?

+1 JoMoney $0 international for me as well. JB sez I don't need them, that's good enough for me
by Guardyourheart
Sun Oct 02, 2016 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Help needed...Bye Bye, Merrill Lynch....here I come Vanguard...
Replies: 54
Views: 6552

Re: Help needed...Bye Bye, Merrill Lynch....here I come Vanguard...

just out of curiosity what has been your average anual returm with ML including their fees?
by Guardyourheart
Tue Sep 06, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: SS and Muni-bonds
Replies: 22
Views: 1745

Re: SS and Muni-bonds

Thanks everyone, my best bet looks like limit my muni-bond interest as much as possible and add more to something that has cap gains and little interest/dividends like a TSM index.
by Guardyourheart
Tue Sep 06, 2016 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: SS and Muni-bonds
Replies: 22
Views: 1745

Re: SS and Muni-bonds

Good point livesoft, I was just reading about SS, taxes and retirement income, now my head hurts, this is a bit complicated.
by Guardyourheart
Tue Sep 06, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: SS and Muni-bonds
Replies: 22
Views: 1745

Re: SS and Muni-bonds

More info, Sorry it took so long to reply. I'm curently in the 25% bracket, once I retire I will be receiving: $14k /year- muni bond interest $24k/year-pension $30k /year-SS Wife will continue working for at least 5 more years partime and makes 40k/year that puts us at $108k/year in retirement. I ca...
by Guardyourheart
Mon Sep 05, 2016 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: SS and Muni-bonds
Replies: 22
Views: 1745

Re: SS and Muni-bonds

Thanks Huey, I have been reading stuff for the past hour, the Boglehead post explanation made a lot of sense but since I'm over the dollar threshold I wil be required to count my muni interest toward my AGI. With that I'm thinking whats the point in owning tax free munis when they are no longer tax ...
by Guardyourheart
Mon Sep 05, 2016 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: SS and Muni-bonds
Replies: 22
Views: 1745

Re: SS and Muni-bonds

Doesn't that make it taxable? If I draw $30k in SS and have another $50k in other income the muni interest is effectivley taxable.
by Guardyourheart
Mon Sep 05, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: SS and Muni-bonds
Replies: 22
Views: 1745

SS and Muni-bonds

Getting real close to retirement and drawing my SS. Since muni-bond interest is taxable once your collecting SS does it make sense to switch to a total bond market for diversity and better yields? Can't see any reason at all to hold munis at this point since there is no tax break that I'm aware of. ...
by Guardyourheart
Sun Aug 21, 2016 3:26 pm
Forum: Investing - Theory, News & General
Topic: Financial Freedom?
Replies: 13
Views: 1721

Re: Financial Freedom?

Thanks again friends, My health care isurance is $400/month and will cover both myself and my wife. If I were broke I would have no choice but to hope the new boss is better than the last one.
by Guardyourheart
Sun Aug 21, 2016 3:11 pm
Forum: Investing - Theory, News & General
Topic: Financial Freedom?
Replies: 13
Views: 1721

Re: Financial Freedom?

Thanks guys, I have a "big" meeting with my new boss this week, really glad I saved all my life and lived beneath my means. Being able to quit working when you want means more to me than a bunch of crap I could have bought over the past 30 years
by Guardyourheart
Sun Aug 21, 2016 1:06 pm
Forum: Investing - Theory, News & General
Topic: Financial Freedom?
Replies: 13
Views: 1721

Financial Freedom?

Been thinking about retiring early, basically due to stress which comes from my job. I'm 55 years old and can collect a healthy pension and have my health care mostly covered (I pay $400/month) Not super rich compared to many posters on this site but I do have about 1.2 M in retirement savings. No d...
by Guardyourheart
Thu Aug 18, 2016 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Borrowing money to invest. Good idea?
Replies: 68
Views: 4997

Re: Borrowing money to invest. Good idea?

no, it's just that simple
by Guardyourheart
Thu Aug 18, 2016 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Borrowing money to invest. Good idea?
Replies: 68
Views: 4997

Re: Borrowing money to invest. Good idea?

Niether a borrower or a lender be.....run from debt. One thing I know to be true DEBT-DRIVES-DECISIONS. Put me down in the never column.
by Guardyourheart
Sun Aug 07, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: AA dilema
Replies: 8
Views: 658

Re: AA dilema

I appreciate the responses, I'm not trying to be emotional about the muni-bonds but I guess maybe I am. One thing a guy told me that really sunk in was "Money represents labor" I do think of my dad working long days to build a better future for his family and a nest-egg for retirement. Lik...
by Guardyourheart
Sun Aug 07, 2016 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: AA dilema
Replies: 8
Views: 658

Re: AA dilema

soboggled, I do not plan to touch the muni-bonds or the interest other than to reinvest for retiement, the entire balance is intended for retirement, I'm just wnder is having a 80-90% stock allocation is something I could sleep with. That would be my situation if I figure the munis into my AA. I wou...
by Guardyourheart
Sun Aug 07, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: AA dilema
Replies: 8
Views: 658

AA dilema

I inherited a substanial amount of individual muni-bonds when my dad passed a couple years ago. I actually love the $20k tax free income I receive each year which I just reinvest in my other BH fashioned accounts. The issue is if I figure in the muni-bonds toward my total AA I need to have an uncomf...
by Guardyourheart
Tue Aug 02, 2016 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: John Hancock, Principal, Transamerica
Replies: 11
Views: 744

Re: John Hancock, Principal, Transamerica

For the record i have JH as well through my employer, I have about 20 options between most carry high er's but there is one or two gems in the bucket, S&P index er .02 and Pimco intermediate Bond fund PTRAX er .71 ( I know this one isn't great)
by Guardyourheart
Tue Jul 26, 2016 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Online Banks okay ?
Replies: 18
Views: 1680

Re: Online Banks okay ?

I started with MySavingsDirect with their APY of 1.69% but those tricky son of a guns dropped it to 1% after 3 months, still a good rate for online banks but I switched to Ally because I don't like being tricked. Ally is as good as any IMO
by Guardyourheart
Sat Jul 23, 2016 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrade and Stock Splits
Replies: 3
Views: 317

Re: Scottrade and Stock Splits

Relax, all will be well in a couple business days
by Guardyourheart
Thu Jul 21, 2016 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you buy individual stocks?
Replies: 43
Views: 2796

Re: Where do you buy individual stocks?

I can understand why someone who is 23 years old wants to swing for the fence. Why not be smart with say 95% of your money and gamble 5%. Here's a pair for ya NUGT 3x gold stock and DUST 3x gold short stock. There has been about a 400% swing in these over the last year. Who knows, you might guess ri...
by Guardyourheart
Tue Jul 19, 2016 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 10317

Re: Just got back from Europe...ready to sell my International...

[*]I will put in my 2 cents and go against the flow... trust your own experiences. I personally do not hold any international funds and sleep well at night. US companies have plenty of international exposure so don't feel like your missing out.
by Guardyourheart
Mon Jul 18, 2016 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Wellesley only
Replies: 14
Views: 1833

Re: IRA Wellesley only

Just happened to check, Wellesley annual return since inception is 9.95% hard to argue with those numbers plus with the bond allocation it's not as risky as many other funds with those returns, I love Wellesley, if it was my 1.2 million I would stay right there.

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