Search found 2336 matches

by goingup
Fri May 26, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: When to start talking to older parents regarding their finances (and how to do it?)
Replies: 25
Views: 1868

Re: When to start talking to older parents regarding their finances (and how to do it?)

When to start talking? When they ask for your help.

Unless someone is struggling, it doesn't seem like just being in one's 70's indicates much of anything.
by goingup
Fri May 26, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: 4 Years to Retirement. Want to get out of Fidelity PAS. Need Advice
Replies: 40
Views: 1927

Re: 4 Years to Retirement. Want to get out of Fidelity PAS. Need Advice

Personally, the way I'd look at like PAS provided very respectable returns since 2011. Who knows what you would have done in hindsight? Would you have had the wherewithal to stick with an allocation or fund through all the pullbacks since 2011? Would you have picked the best possible fund or a loser...
by goingup
Fri May 26, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard REIT ETF ER increased?!?
Replies: 12
Views: 1345

Re: Vanguard REIT ETF ER increased?!?

The OP probably saw a yellow banner across the top of his/her account that said the fund expense has increased from .10 to .12. That's what I saw earlier this week.
by goingup
Wed May 24, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Maximize number of ETFs in taxable account to maximize Tax Loss Harvesting opportunities?
Replies: 18
Views: 759

Re: Maximize number of ETFs in taxable account to maximize Tax Loss Harvesting opportunities?

Thanks, everybody, for the thoughtful replies. New plan: split between VXUS and VTI, add new money to each as available, and take advantage of opportunities to TLH should they arise. That's a solid plan. Also, set up the cost basis as SPEC ID rather than Average Cost. That allows you to pick indivi...
by goingup
Wed May 24, 2017 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Maximize number of ETFs in taxable account to maximize Tax Loss Harvesting opportunities?
Replies: 18
Views: 759

Re: Maximize number of ETFs in taxable account to maximize Tax Loss Harvesting opportunities?

Thanks, everybody, for the thoughtful replies. New plan: split between VXUS and VTI, add new money to each as available, and take advantage of opportunities to TLH should they arise. That's a solid plan. Also, set up the cost basis as SPEC ID rather than Average Cost. That allows you to pick indivi...
by goingup
Wed May 24, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Maximize number of ETFs in taxable account to maximize Tax Loss Harvesting opportunities?
Replies: 18
Views: 759

Re: Maximize number of ETFs in taxable account to maximize Tax Loss Harvesting opportunities?

In my opinion you're overthinking the harvesting part. First, set up a tax-efficient taxable portfolio. Usually that means start with Total Stock Market fund and Total International fund. Contribute to these funds regularly. When the Market tanks look to see if you have any lots with losses. If you ...
by goingup
Tue May 23, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: I admit, I give up [need strategy for getting back in]
Replies: 30
Views: 4242

Re: I admit, I give up [need strategy for getting back in]

I don't have a suggestion and my remarks will not be particularly helpful. However, you are a contrarian indicator. When the very last dollars are lured from the sidelines into the Market...well, Katie bar the door! :twisted:
by goingup
Tue May 23, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: Lazy way to increase returns on cash in Vanguard
Replies: 22
Views: 2220

Re: Lazy way to increase returns on cash in Vanguard

Another vote here for Vanguard Prime MM (VMMXX). Yield is .97% now. Your plan to DCA into VBTLX over several years seems unwieldy. I imagine you're concerned about a NAV decline due to rising rates. Could well be, but the NAV has already slumped about 4% since last summer. Anyways, general advice wi...
by goingup
Tue May 23, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: % Roth vs. % traditional
Replies: 91
Views: 3236

Re: % Roth vs. % traditional

What is the optimal proportion of Roth and Traditional contributions to your retirement? I have a traditional 401k and a roth IRA. Optimally, max out both. Contribute the max to your 401K which is $18,000. Contribute the max to a Roth which is $5,500. (If you're over 50 contribution limits are high...
by goingup
Tue May 23, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Investing Strategy
Replies: 11
Views: 1376

Re: Investing Strategy

OP- You've gotten great suggestions from retiredjg. You will have some work to do simplify, but it's worth it. Now you may understand why this forum has such contempt for most advisors. They produce ridiculous portfolios at considerable cost with disappointing results. Clients get ensnared, especial...
by goingup
Tue May 23, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Zacks says sell Wellesley!?
Replies: 73
Views: 6954

Re: Zacks says sell Wellesley!?

I don't own Wellesley, but do own Wellington. If Zack's said sell Wellington I would not give it a thought. First of all, I'd never know about it because I don't follow Zack's. Wellesley will be around a lot longer that Zack's I suspect. That said, it's probably wise to own some international funds ...
by goingup
Tue May 23, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: % Roth vs. % traditional
Replies: 91
Views: 3236

Re: % Roth vs. % traditional

What is the optimal proportion of Roth and Traditional contributions to your retirement? I have a traditional 401k and a roth IRA. Optimally, max out both. Contribute the max to your 401K which is $18,000. Contribute the max to a Roth which is $5,500. (If you're over 50 contribution limits are high...
by goingup
Mon May 22, 2017 9:10 am
Forum: Investing - Theory, News & General
Topic: The Core Four
Replies: 299
Views: 176705

Re: The Core Four

If you want to own REITs you can always build your position over time. Roth IRAs are a good place for them. If they're cheap enough in your 401K, that's good too. You don't have to begin immediately with a 10% slice--you can add each year with IRA contributions.
by goingup
Sun May 21, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: to refinance or not for a small monthy cost
Replies: 12
Views: 343

Re: to refinance or not for a small monthy cost

I haven't seen rates that low for a re-fi lately. Points? Re-fi costs?
by goingup
Sun May 21, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Where to open taxable account?
Replies: 9
Views: 1049

Re: Where to open taxable account?

telim wrote:I usually perfer not purchasing ETFs due to needing to purchase whole shares.

Doesn't this give you your answer? You can link your bank to Vanguard and buy mutual fund shares same day.
by goingup
Sat May 20, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Automatic Reinvestment: To "check" or not to "check" (the box) . . that is the question?
Replies: 52
Views: 4564

Re: Automatic Reinvestment: To "check" or not to "check" (the box) . . that is the question?

...In fall 2015 I sold $100K of FTSE ex US fund to harvest a $12K loss. After selling I turned off the dividend reinvestment in that fund temporarily so there would not be any wash sale type purchases. After 31 days I turned back on reinvestment... thanks for replying; what if there had ALREADY bee...
by goingup
Sat May 20, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Automatic Reinvestment: To "check" or not to "check" (the box) . . that is the question?
Replies: 52
Views: 4564

Re: Automatic Reinvestment: To "check" or not to "check" (the box) . . that is the question?

...In fall 2015 I sold $100K of FTSE ex US fund to harvest a $12K loss. After selling I turned off the dividend reinvestment in that fund temporarily so there would not be any wash sale type purchases. After 31 days I turned back on reinvestment... thanks for replying; what if there had ALREADY bee...
by goingup
Sat May 20, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Automatic Reinvestment: To "check" or not to "check" (the box) . . that is the question?
Replies: 52
Views: 4564

Re: Automatic Reinvestment: To "check" or not to "check" (the box) . . that is the question?

Reinvestment =Compounding growth of investment. I latched on and never looked back. Via reinvestment,Compounding will do the heavy lifting of the portfolio. I do now aren't you concerned automatically reinvesting dividends/income in Taxable could mess up Tax Loss Harvesting when/if needed?? I don't...
by goingup
Fri May 19, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account dividend reinvestment setting?
Replies: 4
Views: 266

Re: Taxable Account dividend reinvestment setting?

The only reason not to reinvest is because you have some place else to use the money. I reinvest dividends in all accounts. Some people send dividends to a settlement/MM account in order to make a decision later. I'd rather not make decisions and prefer to get the cash reinvested immediately.
by goingup
Fri May 19, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: "Wash Sale" Questions
Replies: 14
Views: 567

Re: "Wash Sale" Questions

Since you said that a normal person would have TLH well before the 50% drop, when do you recommend TLHing? in small increments such as the small 1.8% drop we just recently had? or only when a big market correction occurs? How big was your loss (on a cost basis) after the 1.8% drop? I glanced at our...
by goingup
Thu May 18, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Question for you high net worth individuals... [real estate investments]
Replies: 82
Views: 9846

Re: Question for you high net worth individuals...

Real estate investing? No. But our 2 homes have appreciated and the mortgage balances decreased (or get paid off). Means about $1m currently in real estate equity. No shrewd leveraging, just buying places to live on the West Coast, and becoming an accidental landlord.
by goingup
Thu May 18, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: VFORX to start taxable account [Target Date Retirement 2040]
Replies: 8
Views: 536

Re: VFORX to start taxable account

Typically you would try to hold any bonds in tax-deferred, such as a 401K or tIRA. If there are no good options there you could hold tax-exempt muni bond funds in the taxable account.
by goingup
Thu May 18, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: VFORX to start taxable account [Target Date Retirement 2040]
Replies: 8
Views: 536

Re: VFORX to start taxable account

Not recommended for a long term investment in a taxable account. Why? Because the TR fund contains bonds which spit out interest which is taxed as income. Your taxable account should hold tax-efficient index funds for the long haul. Total stock market funds are recommended.
by goingup
Thu May 18, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Forced Retirement
Replies: 28
Views: 2741

Re: Forced Retirement

Is all your IRA money (for both of you) in traditional or Roth or a combination? It makes a big difference. Do you both have health insurance? Do you currently own the house/condo you plan to live in during retirement? How many years are left on the mortgage? I have medicaire, wife has own insuranc...
by goingup
Thu May 18, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: should I tip repairman for TV?
Replies: 27
Views: 1556

Re: should I tip repairman for TV?

I can't imagine tipping the TV repairman, plumber, electrician, and any other contractor hired to do repairs at my home.
by goingup
Thu May 18, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: When to take interest in a CD?
Replies: 18
Views: 1340

Re: When to take interest in a CD?

Unless you need the interest to pay expenses, reinvest it back into the CD, where it earns the best interest. It's also neater and simpler. I wouldn't think it makes any difference what interval of interest payment you choose. I always pick monthly and reinvest interest.
by goingup
Thu May 18, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Nothing else to do investment wise!
Replies: 23
Views: 3304

Re: Nothing else to do investment wise!

Now that we are finally invested in bogglehead style with a three fund portfolio and everything on auto investing, I feel like I need to do something about my portfolio. The saying goes, "Don't just do something, stand there." Once you have your AA set and auto-contributions set up there ...
by goingup
Wed May 17, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Fund selection for unmatched 401k
Replies: 9
Views: 598

Re: Fund selection for unmatched 401k

I'm sure David grabiner will return with more detailed advice than I can offer. However, the normal course of action for high-income folks saving for retirement is too max out traditional 401K contributions at $18K and also contribute to tIRA $5,500 with the intention of doing a backdoor Roth. Your ...
by goingup
Wed May 17, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Fee help
Replies: 11
Views: 753

Re: Fee help

Plan administrative fees and investment fund expenses are two different things. Somewhere in your documentation should be an explanation for how the fee is computed. Around $100/year and or 0.25% of assets is not great, but it is not outrageous. A lot of employers pay the plan fee, however. Also th...
by goingup
Wed May 17, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Fee help
Replies: 11
Views: 753

Re: Fee help

Sorry guys in this particular account there is around $40k. Personal rate of return since 1/1/17 has been 10.5% Total Investment Expense - Gross: 0.76% Total Investment Expense - Net: 0.76% Total Investment Expense Gross Per $1,000 Invested: $7.60 There is still information missing. Can't figure if...
by goingup
Tue May 16, 2017 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Fee help
Replies: 11
Views: 753

Re: Fee help

I'm not smart enough to understand what you've posted. The usual way to evaluate a 401K plan is to list: *All the fund options with their ERs (expense ratios) *Any plan administration fees. This can be a flat fee billed quarterly or a percentage of assets *Any additional portfolio management fees (u...
by goingup
Tue May 16, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Is this market timing? When to buy stock
Replies: 9
Views: 823

Re: Is this market timing? When to buy stock

If you told me that your fund "A" was at 32% and the other two were are 34% then I would recommend contributing to fund "A" to try to get back to your allocation. This is what I'm thinking is best, especially for myself. I'm trying to formulate a process in buying that will elim...
by goingup
Tue May 16, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: Tilting vs simplicity -- and where to tilt?
Replies: 12
Views: 1130

Re: Tilting vs simplicity -- and where to tilt?

It's been a common thing to add REIT to a 3-Fund for a long time. Rick Ferri's Core 4 portfolio included REIT. Other Lazy portfolios have them too.https://www.bogleheads.org/wiki/Lazy_portfolios Diversification means you'll always be disappointed by something you own. Right now REITs are lagging so ...
by goingup
Mon May 15, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Funny Letter [Canceling Escrow Account]
Replies: 34
Views: 3955

Re: Funny Letter [Canceling Escrow Account]

I seem to recall a similar letter from the bank upon paying off the note. It struck me as, "you're dead to me now". :wink:
by goingup
Mon May 15, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Was there a $$$ number after which things got easier?
Replies: 72
Views: 9249

Re: Was there a $$$ number after which things got easier?

OP- I know what you're getting at. There was a point reached which felt like critical mass--a point where the portfolio steams under its own power and total return outstrips contributions. We were into the commas before I felt this happen. The long bull market has made this possible. A high savings ...
by goingup
Mon May 15, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: 403B with high expense ratio's and insurance wrappers
Replies: 8
Views: 565

Re: 403B with high expense ratio's and insurance wrappers

Those expense ratios aren't ideal but it's still worthwhile. By contributing you'll lower your taxable income and it's hard to beat the ease and consistency of automated payroll contributions. Consider the Life Strategy funds. Depending upon your age, either the Life Strategy Growth (ER 1.40%) or Li...
by goingup
Sun May 14, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 4368

Re: Can you suggest a mortgage lender who does not resell

With regards to the situation where the subsequent company required escrow, just make sure that the contract you sign specifies that you WILL NOT escrow. It is not uncommon to pay an additional 0.25% in closing costs if you don't escrow taxes and insurance. At today's interest rates, there isn't an...
by goingup
Sun May 14, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else dial down retirement savings?
Replies: 32
Views: 5056

Re: Anyone else dial down retirement savings?

jumppilot wrote:As a result, I set my 401k contributions to zero ($18,000 last year) so that we can aggressively pay off a rental property.

At first glance it looks like you dialed back too far!

If you forego that tax-deferred space it's lost forever. Have you considered contributing at least to get any match?
by goingup
Sat May 13, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Help me reduce my capital gain from a condo I just sold...
Replies: 29
Views: 2235

Re: Help me reduce my capital gain from a condo I just sold...

Why hasn't possible use capital loss carryover (if available) not been mentioned? http://www.bankrate.com/finance/taxes/use-capital-loss-carryover-to-offset-gain-on-home-sale.aspx I agree that this is a good suggestion. OP- between now and the end of the year, if the opportunity to harvest stock lo...
by goingup
Sat May 13, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Out of town neighbor received FTD del.What to do.
Replies: 13
Views: 1439

Re: Out of town neighbor received FTD del.What to do.

You tell the neighbor on Tuesday, "I called FTD and they were no help. I thought it best to put these in water to try to save them.". If you had the neighbor's phone number and called them, this is what they would ask you to do.
by goingup
Fri May 12, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: Fidelity portfolio advisory services
Replies: 25
Views: 2025

Re: Fidelity portfolio advisory services

gym4866 wrote:My present person that is handling my fidelity accounts has suggested that I consider this service.

You have an advisor now? I read an old post of yours (2 years ago) which said your Fidelity advisor had you in 7 funds. Curious about why you're considering a change..
by goingup
Thu May 11, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance cancelled due to nonpayment on record
Replies: 4
Views: 924

Re: Insurance cancelled due to nonpayment on record

Sign up for an annual billing and allow them to auto-debit your checking account. Right now you present a bit of risk of payment. :oops:
by goingup
Thu May 11, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: EJ transfer to Vanguard
Replies: 5
Views: 577

Re: EJ transfer to Vanguard

Liquidate those funds at EJ. Then call Vanguard to have them "pull" over the Roth accounts. EJ will hit you with an account closing fee per account.
by goingup
Thu May 11, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Who really needs an umbrella insurance?
Replies: 38
Views: 4880

Re: Who really needs an umbrella insurance?

Never thought about umbrella until assets were enough to be concerned. We were late 40s, mid-50s before it seemed necessary. Unless you feel like you're in a profession that puts a target on your back, I wouldn't spend the extra $200 a year until you have some assets to protect. Both you and the OP...
by goingup
Thu May 11, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Who really needs an umbrella insurance?
Replies: 38
Views: 4880

Re: Who really needs an umbrella insurance?

Never thought about umbrella until assets were enough to be concerned. We were late 40s, mid-50s before it seemed necessary. Unless you feel like you're in a profession that puts a target on your back, I wouldn't spend the extra $200 a year until you have some assets to protect.
by goingup
Thu May 11, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: any concern about keeping large amount of cash at Vanguard
Replies: 24
Views: 2866

Re: any concern about keeping large amount of cash at Vanguard

I wouldn't worry about holding that kind of money in Prime MM. Has Vanguard ever broken the buck? Safety is kinda their thing. :beer They said the same thing over at the First Reserve fund. Founders of the first money fund - "safety" is our thing. :oops: They were also the first fund to &...
by goingup
Thu May 11, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice for retirees (age 69, perhaps $3 MM) that are unhappy with their advisors
Replies: 34
Views: 2731

Re: Seeking advice for retirees (age 69, perhaps $3 MM) that are unhappy with their advisors

Maybe you or they could read the latest edition of How to Make Your Money Last by Jane Bryant Quinn written for retirees. There is a Bogleheads Guide to Retirement planning as well. Ms Quinn has been writing about personal finance for a long time. She also has articles in the AARP website, and poss...
by goingup
Thu May 11, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: any concern about keeping large amount of cash at Vanguard
Replies: 24
Views: 2866

Re: any concern about keeping large amount of cash at Vanguard

I wouldn't worry about holding that kind of money in Prime MM. Has Vanguard ever broken the buck? Safety is kinda their thing. :beer
by goingup
Thu May 11, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Question on my 401k fees
Replies: 12
Views: 656

Re: Question on my 401k fees

I am paying .87% on an S & P 500 fund which includes .50 administration and .37 for the fund. So you have me beat a little. This 401k has a 12 dollar a year charge per participant, which sounds like less than your 10 dollars a month. The recordkeeping involved with 401Ks probably should cost so...
by goingup
Thu May 11, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 4368

Re: Can you suggest a mortgage lender who does not resell

We have been with Wells Fargo the last 10 years, 2 homes. They have always handled the payments, escrow, taxes, etc on time. No issues. Yes, Wells has kept our current home for 10. They have been a fine mortgage servicer though never have used escrow with any home and prefer to pay insurance and ta...

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