Search found 2634 matches

by goingup
Mon Sep 25, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Are all investments compound interest?
Replies: 50
Views: 2471

Re: Are all investments compound interest?

I think it's relevant. The example of compounded interest in your bank account example is what is confusing the OP. In his mutual fund investment, shares are creating more shares, and more shares, and more shares. Compounded growth of shares. Believe me, once you start measuring the value of invest...
by goingup
Mon Sep 25, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: help with 401K, high fees and commissions
Replies: 5
Views: 364

Re: help with 401K, high fees and commissions

Yes, you should try to contribute as much as possible. Those fees shouldn't stop from automatic tax-deferred payroll contributions. It's much harder to save in a Roth unless you can automate that too.

Just use the Target fund that you mentioned in earlier posts about this.
by goingup
Mon Sep 25, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Are all investments compound interest?
Replies: 50
Views: 2471

Re: Are all investments compound interest?

Basically, will the $30k I have in my Roth IRA compound if I just leave it there? Yes, it will compound and you'll acquire more shares if the dividends are reinvesting. This doesn't mean the value will increase, necessarily. That depends entirely on the stock market. The generic term compound means...
by goingup
Mon Sep 25, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 70
Views: 4570

Re: Tipping question....Applebees

dumbbunny wrote:
Sun Sep 24, 2017 9:59 pm
My wife's aunt lived in an 8% sales tax state and when she got the restaurant bill she would look at the amount of tax and multiply it by 2 and that is what she tipped - 16% - if service was to her liking.
I'm in a 10% sales tax locale so I double the tax as tip. Easy, just like your aunt did!
by goingup
Mon Sep 25, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Head-scratcher -- does Vanguard ever mistakenly charge fees?
Replies: 10
Views: 907

Re: Head-scratcher -- does Vanguard ever mistakenly charge fees?

$6.95 is nothing really, but I wouldn't call the system integrity of Vanguard inconsequential. Maybe they accidentally charged you, or could you have mistakenly entered a buy of some non-Vanguard fund? Please post back what you find out. OK, I've figured it out -- I think. What seems to have happen...
by goingup
Mon Sep 25, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Are all investments compound interest?
Replies: 50
Views: 2471

Re: Are all investments compound interest?

Basically, will the $30k I have in my Roth IRA compound if I just leave it there? Yes, it will compound and you'll acquire more shares if the dividends are reinvesting. This doesn't mean the value will increase, necessarily. That depends entirely on the stock market. The generic term compound means...
by goingup
Sun Sep 24, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: "My Favorite Mutual Fund"
Replies: 14
Views: 1722

Re: "My Favorite Mutual Fund"

Thanks Taylor, I agree. It's been our core holding in a taxable account for many years. Diversified and tax-efficient. Someday I may come to love the Total International Fund just as much, but the relationship so far has been less enriching. :)
by goingup
Sat Sep 23, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Anyone used Amazon to buy household goods
Replies: 26
Views: 1767

Re: Anyone used Amazon to buy household goods

I buy many things on Amazon, but not usually stuff I can get easily elsewhere. Toilet paper and laundry soap can be gotten at grocery, Rite Aid, Target, Costco. I have guilt about wasteful packaging and carbon footprints when using Amazon. :|
by goingup
Sat Sep 23, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: How do I retain check writing on bond fund?
Replies: 18
Views: 1250

Re: How do I retain check writing on bond fund?

I'm rather glad to have these privileges reneged. Isn't it just as easy (and possibly more secure) to ACH to your checking account and write a check from there?

I imagine you should call Vanguard on Monday if the link is not working.
by goingup
Fri Sep 22, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: where to put $60,000 for three months...
Replies: 14
Views: 1216

Re: where to put $60,000 for three months...

triceratop wrote:
Fri Sep 22, 2017 3:02 pm
goingup wrote:
Fri Sep 22, 2017 2:51 pm
It's would not be enough to mess with. 1% on 60K is $150. 1.5% is $225. I doubt you could get any better without using bonds.
A 3-month treasury bill yields 1.02%-1.04% as of a few days ago.
I was thinking Vanguard Short term corporate fund at 2.12 yield.
by goingup
Fri Sep 22, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: where to put $60,000 for three months...
Replies: 14
Views: 1216

Re: where to put $60,000 for three months...

It's would not be enough to mess with. 1% on 60K is $150. 1.5% is $225. I doubt you could get any better without using bonds.
by goingup
Fri Sep 22, 2017 9:22 am
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 53
Views: 3892

Re: VG wants everyone to transfer to a brokerage account?

I haven't upgraded and won't until forced. *We only use mutual funds *Have multiple auto-exchanges set up between MM fund and other funds, which isn't possible in brokerage *Have dividends from one fund directed to another fund, which isn't possible in brokerage Upgrading to a brokerage would derail...
by goingup
Fri Sep 22, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Diversification of retirement investments across multiple accounts
Replies: 5
Views: 536

Re: Diversification of retirement investments across multiple accounts

I am managing 6 different retirement accounts and I am trying to diversify my investments across all my accounts. Do you need 6? Consolidation and simplification is a worthy goal. Choose the broadest low-cost funds available to you in each account. In one 401K it is a TSM ER.05. Is there another ac...
by goingup
Thu Sep 21, 2017 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 23624

Re: Calling out the not so rich bogleheads

I will bite, I'm currently 34 and in the age range you mentioned... I lurked here for a long time, since 2005 as a 22 year old, before I created an account and started posting in 2015. I've never felt envious or scared off by all the millionaires, my goal early on was just reading and learning as m...
by goingup
Wed Sep 20, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off primary mortgage
Replies: 24
Views: 1907

Re: Paying off primary mortgage

Franklin Templeton has a sales charge of 3.5% when investing 100K-249K addition money. 100K is about the chunk of change at a time that we can invest...so we have to figure we've lost 3.5%initially before we see the investment profit...hopefully... Why not just use the $100K replacement money for t...
by goingup
Wed Sep 20, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location: 401k All Fixed Income?
Replies: 16
Views: 1031

Re: Asset Location: 401k All Fixed Income?

I'd have a hard time advising a young person to hold only fixed income in a 401K. Presumably they'll add to a 401K for 30 years and all growth will be tax-deferred. Ideally your kids will have a 7-figure 401K account at retirement. You'll never have that with all bonds, however. Often blended funds...
by goingup
Wed Sep 20, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location: 401k All Fixed Income?
Replies: 16
Views: 1031

Re: Asset Location: 401k All Fixed Income?

I'd have a hard time advising a young person to hold only fixed income in a 401K. Presumably they'll add to a 401K for 30 years and all growth will be tax-deferred. Ideally your kids will have a 7-figure 401K account at retirement. You'll never have that with all bonds, however. Often blended funds ...
by goingup
Tue Sep 19, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Online Bill Pay Security: Push or Pull?
Replies: 102
Views: 3977

Re: Online Bill Pay Security: Push or Pull?

I only push. Not willing to give any payee access to our checking accounts.
by goingup
Tue Sep 19, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Considering a Bond Ladder. Your opinion?
Replies: 5
Views: 329

Re: Considering a Bond Ladder. Your opinion?

Here's a useful thread from last year on the merits of individual bonds vs bond fund. viewtopic.php?t=189871

Individual bonds wouldn't suit me because I don't want to be tethered to an advisor. A fund remains liquid, simple and easy to manage.
by goingup
Tue Sep 19, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: If you don't care about optimal performance?
Replies: 17
Views: 975

Re: If you don't care about optimal performance?

I want to get "market" performance at the lowest cost possible. Period. What does "optimal" mean? Sounds like adding risk or doing some scheme to increase *potential* gain. I guess go to Vegas and put it all on red. No. I don't gamble. Optimal here means trying to achieve optimal performance by usi...
by goingup
Tue Sep 19, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - In Taxable Account
Replies: 13
Views: 959

Re: Rebalancing - In Taxable Account

Add bonds to taxable. We use intermediate term muni bond fund. Also, I'd rather not put bonds in our Roths and use equity funds there.
by goingup
Mon Sep 18, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Save/invest and buy house with cash - yes/no?
Replies: 16
Views: 1093

Re: Save/invest and buy house with cash - yes/no?

Not a common move. A house is 10,20,30 times more expensive than a car so few people can pay cash for a first home. Why would you want to pay rent while saving an amount large enough to buy a home in cash? A more common method is to save a healthy down payment and buy a home that is affordable. Make...
by goingup
Mon Sep 18, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: How would you invest this bonus??
Replies: 13
Views: 1231

Re: How would you invest this bonus??

Congrats on your promotions and new income level. :beer Have you opened a taxable account at Vanguard, Schwab, Fidelity etc? Frankly, your 401K contributions will be dwarfed now by your taxable savings. It's time to get yourself set up with low-cost tax-efficient index funds in a brokerage account....
by goingup
Mon Sep 18, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: How would you invest this bonus??
Replies: 13
Views: 1231

Re: How would you invest this bonus??

Congrats on your promotions and new income level. :beer Have you opened a taxable account at Vanguard, Schwab, Fidelity etc? Frankly, your 401K contributions will be dwarfed now by your taxable savings. It's time to get yourself set up with low-cost tax-efficient index funds in a brokerage account. ...
by goingup
Sun Sep 17, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: What money to store outside for disaster?
Replies: 57
Views: 4255

Re: What money to store outside for disaster?

Is cash even particularly useful to people in TX or FL right now ? If you didn't have what you needed before the disaster can you even buy it now? At least in Harris County, TX and surroundings where only about 15% of homes flooded which means that about 85% of homes and businesses did not flood an...
by goingup
Sat Sep 16, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law dying, Wife wants to buy a Porsche
Replies: 51
Views: 5000

Re: Mother-In-Law dying, Wife wants to buy a Porsche

Your reaction to stress may be to delve into financial details--trying to financially control the situation and establish order in chaos. Your wife may handle it by becoming more free-wheeling. My advice would be to be supportive and attend to the immediate medical situation. The estate and inherita...
by goingup
Fri Sep 15, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Vanguard customer service/technology = "Bad returns in Bad times"
Replies: 37
Views: 2566

Re: Vanguard customer service/technology = "Bad returns in Bad times"

After all the surest way to . . . see below . . . is walk into the office off . . . see below . . . . . . be sold expensive advice and funds . . . a financial advisor . . . be sold insurance . . . an insurance salesman . . . a lousy overpriced used car . . . a used car dealer . . . an expensive din...
by goingup
Fri Sep 15, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Harvesting of capital gains
Replies: 7
Views: 360

Re: Harvesting of capital gains

It's not a recommended move. You're cashing out and hunkering down because you feel the market is risky. It will cost you taxes and then what? Get back to original equity position? The recommended move is to evaluate your jitters (Nisiprius phrase) and possibly dial back your portfolio risk. Add mor...
by goingup
Fri Sep 15, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Help with savings
Replies: 8
Views: 827

Re: Help with savings

There is also something to be said for building up a brokerage account. It is nice to have some liquid funds outside of any restricted accounts.? I like this idea. This is often the next step beyond saving in tax-advantaged. The car fund, ac and roof fund accounting hasn't been the way we've gone. ...
by goingup
Fri Sep 15, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Advice Badly Needed---Meeting with Financial Advisor
Replies: 49
Views: 3822

Re: Advice Badly Needed---Meeting with Financial Advisor

The things you're trying to do---save a downpayment, contribute to 403B, and fund a Roth IRA--do not require the assistance of an insurance salesman. Save your downpayment in cash at somewhere like ALLY bank. Use low-cost funds in your 403B and be sure to get your match. Open a Roth with Vanguard an...
by goingup
Thu Sep 14, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Should my g/f keep her lower cost funds? Or get one with a better asset mix?
Replies: 7
Views: 353

Re: Should my g/f keep her lower cost funds? Or get one with a better asset mix?

Mark2614 wrote:
Thu Sep 14, 2017 11:25 am
If I select the 2050 fund she will let it ride for 30+ years. I think that will be best.
I agree. The TR fund is a better choice. The more important thing is saving enough. Saving 15% would be a good goal.
by goingup
Thu Sep 14, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Funds added to 401k
Replies: 15
Views: 1117

Re: Vanguard Target Retirement Funds added to 401k

You'll save at least .50 in ER by using the TR fund, and with your balance that's real money. $410K * .50% = $2,050 saved. Besides the savings, the diversification of the Target fund is hard to beat. Target Funds of Vanguard invests in other Vanguard Funds (Total US, Total Intl, Total US bond, Tota...
by goingup
Thu Sep 14, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividend in Tax Account
Replies: 14
Views: 1181

Re: Reinvesting dividend in Tax Account

You have to keep records whether you reinvest dividends or not AND whether you use Specific Identification or Average Cost. Vanguard has to keep records for you as well now. Of course it's smart to keep records of purchases but truthfully I never have. It's not optimal but it works just fine. Vangu...
by goingup
Thu Sep 14, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Funds added to 401k
Replies: 15
Views: 1117

Re: Vanguard Target Retirement Funds added to 401k

It's a no brainer to use a Target fund in your 401K. Look at the composition rather than the date to choose the one you want. You'll save at least .50 in ER by using the TR fund, and with your balance that's real money. $410K * .50% = $2,050 saved. Besides the savings, the diversification of the Tar...
by goingup
Wed Sep 13, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Third Federal Savings doing constant credit inquiry
Replies: 3
Views: 336

Re: Third Federal Savings doing constant credit inquiry

It's just a marketing inquiry. Has no effect on your credit score.
by goingup
Wed Sep 13, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Pseudo-bridge financing
Replies: 10
Views: 825

Re: Pseudo-bridge financing

It was mentioned above but I'll say it again. I'd swap equity in your tax-advantaged for bonds. Sell all the bonds in your taxable account to raise the needed cash. When your house sells, revert to your original allocation. We sold all our muni bond funds, along with some equity funds in 2007 to fun...
by goingup
Wed Sep 13, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: What money to store outside for disaster?
Replies: 57
Views: 4255

Re: What money to store outside for disaster?

It sounds like you're wedded to the idea of keeping money outside. I just can't envision a scenario where I need to keep money outside, though I've lived in CA and am now in WA. I've got several hundred in various denominations stored with passports and birth certs and I'm counting on being able to ...
by goingup
Wed Sep 13, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella insurance
Replies: 56
Views: 4851

Re: Turned down for umbrella insurance

skeptical- I got an umbrella policy less than 2 years ago through our Farmers agent. I filled out a questionnaire but didn't have to provide any documentation as proof of assets. My agent worked as a broker presenting at least two umbrella providers. Maybe try a local Farmers agent. You could also c...
by goingup
Wed Sep 13, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Option to freeze outgoing ACH at Vanguard?
Replies: 6
Views: 991

Re: Option to freeze outgoing ACH at Vanguard?

I don't think it's necessary. Set up both text alerts and email alerts for any transaction that happens in your accounts. If something happens that you didn't authorize you should be able to call Vanguard immediately. For me, at least, the inconvenience of not being able to ACH to and from brokerage...
by goingup
Wed Sep 13, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Experience with High Yielding Money Market Accounts
Replies: 31
Views: 3410

Re: Experience with High Yielding Money Market Accounts

All of the above have higher returns plus, to a certain amount, they are FDIC insured. I need to finally make the move from Prime to either one or a few of these. The yield at Prime MM is 1.11 right now. Not FDIC insured, but I'm not worried about that risk. The difference in yield between your alt...
by goingup
Tue Sep 12, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on helping spouse feel that we are truly FI?
Replies: 18
Views: 1448

Re: Tips on helping spouse feel that we are truly FI?

Who knows? Maybe she's right. We have no idea if you are plausibly financially independent. :wink:
by goingup
Sat Sep 09, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Anyone use Nextdoor.com for referrals?
Replies: 20
Views: 1456

Re: Anyone use Nextdoor.com for referrals?

I have used Nextdoor successfully for referrals--tree trimming, carpet cleaning, deck building, HVAC installation. I've sold concert tickets and household goods. Helped a neighbor find a lost pet by posting pictures. Last week I helped someone recover a stolen bike by posting pictures of it when I s...
by goingup
Sat Sep 09, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8397

Re: When calculating net worth, how do you value your house?

I'll mention the list for reasons to include home in your net worth, though for some reason, I cannot get bogleheads to acknowledge any of these points ... it baffles me, they are not unique to me, and recommended writers such as Jane Bryant Quinn make these points. It's really not the majority of ...
by goingup
Sat Sep 09, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing for a newbie
Replies: 6
Views: 413

Re: Refinancing for a newbie

When we refinanced several years ago we paid down the balance to get to $417K, to finance a conventional rather than jumbo mortgage. Rates for conventional were considerably better. If you have the option of bringing cash to the table, it can buy you a lower rate.
by goingup
Fri Sep 08, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home With Girlfriend; Good or Bad?
Replies: 68
Views: 5411

Re: Purchasing Home With Girlfriend; Good or Bad?

LeSpy wrote:
Fri Sep 08, 2017 3:03 pm
I am currently unmarried and in a long-term relationship.
Many, many young people today choose to live together, buy homes together, have children together and never marry. I'd think you'd want to co-habitate for awhile before buying a home together, though.
by goingup
Fri Sep 08, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: Irrational fears?
Replies: 23
Views: 1701

Re: Irrational fears?

It is irrational. I admit to having held my breath once or twice while the computer pauses before the balance appears. Irrational. Vanguard has 20 million clients and manages $4 trillion in assets. If they ever somehow misplaced your money they would make you whole. I have ACH'd money to them and fr...
by goingup
Fri Sep 08, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 4687

Re: Do I need an Amazon Echo??.....

Love ours. You might enjoy one too!
Here's a sample of recent uses:
Alexa...
Will it rain today?
What time does Nordstroms open?
Play some Astrud Gilberto music.
Set the timer for 10 minutes.
How old is George Hamilton?
What movies are playing at Regal Cinema?
by goingup
Thu Sep 07, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Seattle in 3 days
Replies: 27
Views: 1618

Re: Seattle in 3 days

Ivar's, southend of the the piers, just past the ferries. for the plank roasted salmon. Semi outdoor bench seating or eating along the boardwalk. ClamChowder is OK and famous locally, white style. The salmon may be Atlantic? Western Salmon are severely stressed from Dams, pollution, and seal lions....
by goingup
Thu Sep 07, 2017 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Vangard Index Fund through Merrill Edge
Replies: 26
Views: 1975

Re: Vangard Index Fund through Merrill Edge

Unless you have the balance required to qualify for the preferred rewards program, I can't see any benefit to having an account with Merrill edge. Exactly. I enjoy preferred rewards from BofA. And I do like Vanguard funds/ETFs. So what do I do? 1. Buy Vanguard ETFs where available (indexes) using t...
by goingup
Wed Sep 06, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: 401K - Same Fund, Same Broker, Different Employer -> Different ER?
Replies: 6
Views: 361

Re: 401K - Same Fund, Same Broker, Different Employer -> Different ER?

Short answer: Her current employer is not subsidizing the 401K plan to the degree her former employer was.