Search found 1270 matches

by island
Fri Jan 29, 2016 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: EJones Advisor wants to talk!
Replies: 83
Views: 5777

Re: EJones Advisor wants to talk!

Just cancel. Nothing left to talk about.
Why complicate it by opening yourself to a discussion that isn't necessary. You don't owe them an explanation. You've made a decision to transfer and that's that.
by island
Sun Jan 24, 2016 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Any Good Special Offers for CD's in the New Year?
Replies: 10
Views: 1042

Re: Any Good Special Offers for CD's in the New Year?

Toons wrote:I scoured the web
2.50 is the best I could find :happy

Where?
by island
Sun Jan 24, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Any Good Special Offers for CD's in the New Year?
Replies: 10
Views: 1042

Re: Any Good Special Offers for CD's in the New Year?

jimishooch wrote:don't know if eloan.com is still doing 2.45%...

2.30% for 5 years appears to be the highest
by island
Sun Jan 24, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone own American Funds in taxable? Need help selling some to TLH
Replies: 2
Views: 223

Anyone own American Funds in taxable? Need help selling some to TLH

Anyone own American Funds in taxable with access to your account online? If so I could use your help figuring out how to sell some. I own 6 funds since the mid 90's before I knew anything. Stopped investing in this account several years ago and stopped reinvesting div and cap gains a few years ago w...
by island
Sun Jan 24, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: Interior house paint gone bad?
Replies: 10
Views: 1179

Re: Interior house paint gone bad?

This is a Lifetime paint manufacturer here, now retired. Under normal conditions and storage (not frozen), an unopened latex paint should not have gone bad as you described. I have a couple of gallons of interior and exterior latex paint which have been opened and partially used and they have been ...
by island
Sun Jan 24, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: Interior house paint gone bad?
Replies: 10
Views: 1179

Re: Interior house paint gone bad?

Delete duplicate
by island
Sat Jan 23, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Interior house paint gone bad?
Replies: 10
Views: 1179

Interior house paint gone bad?

Is it typical for unopened flat or eggshell latex interior house paint to go bad after 5 years or so? We bought enough paint to do our entire interior about 5 years ago, but stalled after doing upstairs after a change in plans to remodel. Back on track or at least wanted to refresh the paint because...
by island
Fri Jan 22, 2016 9:59 pm
Forum: Personal Consumer Issues
Topic: Retiring and people seem to avoid me
Replies: 66
Views: 7886

Re: Retiring and people seem to aviod me

SGM wrote:Another always avoids me because he is short.


Bizarre. How do you know this?
by island
Fri Jan 22, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Best Credit Card For Monster Hotel Bill
Replies: 23
Views: 2419

Re: Best Credit Card For Monster Hotel Bill

Do cash back and rewards cards have a cap on the spend amount that qualifies for the reward?
by island
Mon Jan 18, 2016 11:34 am
Forum: Investing - Help with Personal Investments
Topic: How much TLH wiggle room do I need?
Replies: 4
Views: 395

Re: How much TLH wiggle room do I need?

Livesoft- I never sold anything so individual ID should not be a problem... I hope. I can see every transaction in my AF account online. I assumed I could do it myself without going to the broker, but maybe not. Will check. The original broker retired years ago and I was transferred to a different f...
by island
Sun Jan 17, 2016 11:52 pm
Forum: Investing - Theory, News & General
Topic: [Investing] Things that would/will never happen in your lifetime
Replies: 43
Views: 5151

Re: Things that would/will never happen in your lifetime

I commented the other day to my husband that we'll never see the CD rates of the 1980s again in our lifetime - over 20% for a 1 year CD! Sure, but inflation was running at 16% or so. And to add insult to injury, tax rates were higher back then too. Real aftertax interest rates (tiny as they are) ma...
by island
Sun Jan 17, 2016 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: How much TLH wiggle room do I need?
Replies: 4
Views: 395

Re: How much TLH wiggle room do I need?

If the market is having a slightly down to worse day, then the lots that were negative yesterday will be negative today. But why worry about causing a little bit of taxes? That doesn't seem productive to me. A bigger issue for you it would seem to me would be that these funds may not be eligible fo...
by island
Sun Jan 17, 2016 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: How much TLH wiggle room do I need?
Replies: 4
Views: 395

How much TLH wiggle room do I need?

I've never done any TLHing. Didn't know of it until discovering this website in 2013. Wish I did in 2008 so I could have gotten out of some American Funds I've owned since the 1990's, before I knew any better. Well with the recent downturn there are more individual lots of my AF funds that I purchas...
by island
Sun Jan 17, 2016 9:50 pm
Forum: Personal Consumer Issues
Topic: Bank of America disses older clients
Replies: 24
Views: 2492

Re: Bank of America disses older clients

Don't take it personally. Lots of surveys that target specific demographics. ditto. i like b of a, always gave me good service. i am glad they want to serve populations better and learn about them, regardless of what the populations are. to me, a survey like this is positive. companies should reach...
by island
Sat Jan 16, 2016 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis on moved account
Replies: 21
Views: 752

Re: Cost basis on moved account

I have some American Funds purchase in the 90's and can see every transaction made by looking at my American Funds account online at their website. I too had to use a broker to purchase (not EJ), but I've always been able to access my account and see all the details. I would think you could do the s...
by island
Sat Jan 16, 2016 4:37 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6414

Re: Navy Federal CU Special Certificate Offering

Well this ended up a bust for us. Opened an account no problem with spouse's sibling as sponsor, but like Victoria just posted they would not allow a transfer from a money market account and that's where our cash is, in online banks. Can't open a checking account at the one we'd draw from because th...
by island
Sat Jan 16, 2016 2:05 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6414

Re: Navy Federal CU Special Certificate Offering

For those of you who joined Navy Federal to obtain this special certificate were you able to handle everything online, take care of it all at once or did you have to go to a branch? Spouse's cross country sibling is a member and will be our sponsor to join, but waiting for her to get back to us with...
by island
Fri Jan 15, 2016 8:44 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6414

Re: Navy Federal CU Special Certificate Offering

tomd37 wrote:Island,
Just search (Google in my case) NFCU Combined Certificate Disclosures and there you have it. :oops:


Too generic to trust. Just did and it said "special" certificates may have different terms. Check with credit union.
by island
Fri Jan 15, 2016 6:11 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6414

Re: Navy Federal CU Special Certificate Offering

This offer is still showing on their website, but not a whole lot of details that I can find.
Anyone know what the penalty is for early withdrawl?
Thanks.
by island
Fri Jan 15, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off my bride's student loans
Replies: 72
Views: 5060

Re: Paying off my bride's student loans

Our financial relationship is very healthy--she has a lot of pride in contributing, does not want to feel like a "leech," and wants us to keep connected but separate bank accounts so she sees that she is actively contributing to the household rather than just assimilating into my larger b...
by island
Sat Jan 09, 2016 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Lottery Win...Could a Boglehead handle it?
Replies: 79
Views: 4547

Re: Lottery Win...Could a Boglehead handle it?

I think one would still be a target at 10mil, but I'd take my chances.
by island
Sat Jan 09, 2016 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating between 401k and IRA accounts
Replies: 3
Views: 286

Re: Help with allocating between 401k and IRA accounts

You didn't ask, but if still interested in adding to your ROTH with backdoor conversions, have you considered rolling your IRA into your current 401K if your employer plan allows? If all pretax that would allow you to get the IRA out of the way without incurring the tax burden you mention.
by island
Sat Jan 09, 2016 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with old 401K
Replies: 13
Views: 551

Re: What to do with old 401K

Oh one more question... I see American Funds in the mix. What class are those funds? You're not paying loads are you? That would be a big mistake. I speak from experience because I own AFs in taxable from years ago before I knew anything about fees. Thought loads were the price of admission 20 years...
by island
Sat Jan 09, 2016 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with old 401K
Replies: 13
Views: 551

Re: What to do with old 401K

Island, I appreciate your advise. I only listed what I have and tried to list the main ones because I use an aggressive strategy of only large cap and stocks so I listed those. I do have like 2-3 bond and small cap funds but didn't list those. Ok, got it. If you're investing in all of those, I don'...
by island
Sat Jan 09, 2016 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with old 401K
Replies: 13
Views: 551

Re: What to do with old 401K

ok great thanks . Yes my new employer will allow me to roll over my old 401K. I took the time to list the funds I had and the ones that are available in the new plan. The new one seems to have low fees, I don't think an IRA will give me lower? Here are my old employers funds and the expense ratios:...
by island
Wed Jan 06, 2016 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Investment planning - rollover 401k
Replies: 7
Views: 425

Re: Investment planning - rollover 401k

Thank you, that was a really useful information. Let's keep 401k part aside and can you please let me know where should I invest roth IRA 5.5k ? Vanguard Target retirement fund 2040? Thanks I'm not the one to ask about that, but there are many here who can help. This is a response to bump, but you ...
by island
Tue Jan 05, 2016 11:05 pm
Forum: Personal Consumer Issues
Topic: So my dog did $500 of damage to a hotel room...(she is a rock star)
Replies: 21
Views: 2857

Re: So my dog did $500 of damage to a hotel room...(she is a rock star)

Why does chewing up a bed frame make a dog a rock star? Suspect the motel owner has other suggested names. Rockstars are known to destroy hotel rooms. :wink: Shows what I know about Rockstars. Thanks. I thought you were joking. Here's just a taste of the trashing: http://www.rockworldmagazine.com/h...
by island
Tue Jan 05, 2016 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Investment planning - rollover 401k
Replies: 7
Views: 425

Re: Investment planning - rollover 401k

Just to be clear, are you taking a new job that does not have a 401K? unfortunately my new job doesn't offer 401k. Can you leave it where it is in the current 401K? I see prudential 401k has high expense ratios, hence I thought to rollover to IRA. Be careful, if you create a rollover IRA that could...
by island
Tue Jan 05, 2016 7:08 pm
Forum: Investing - Theory, News & General
Topic: PenFed CD ALERT !
Replies: 10
Views: 3317

Re: PenFed CD ALERT !

Given their now increased EWP, the deals would need to be really good. I am fortunate to have lots of remaining space on the NWFCU add-on 3 year/3.04%. What's NWFCU and what exactly is an add on rate? Thanks. I took advantage of dropping a lot into the PenFed 5 year CD a couple of years ago with a ...
by island
Tue Jan 05, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Lottery - lump sum or annual payout?
Replies: 75
Views: 6049

Re: Lottery - lump sum or annual payout?

Interesting thread.
So would any of you keep working if you won big and what's your definition of big? :twisted:
by island
Tue Jan 05, 2016 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Investment planning - rollover 401k
Replies: 7
Views: 425

Re: Investment planning - rollover 401k

Just to be clear, are you taking a new job that does not have a 401K?
Can you leave it where it is in the current 401K?
Be careful, if you create a rollover IRA that could get in the way of you doing backdoor Roth conversions one your income exceeds the limit for straight Roth contributions.
by island
Mon Jan 04, 2016 10:31 pm
Forum: Investing - Theory, News & General
Topic: At what age did you stop reinvesting dividends?
Replies: 45
Views: 4402

Re: At what age did you stop reinvesting dividends?

Early 30s ... when I realized it simplified tax tracking and tax loss harvesting, and made it easier to rebalance, treating any money temporarily dumped into a money market account as a 'cash' (zero-duration bond) portion of my fixed-income allocation. I know that's not your question exactly, but i...
by island
Mon Jan 04, 2016 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 319
Views: 30314

Re: Vanguard not offering Reduced price TurboTax anymore

livesoft wrote:Yep, just wait until Vanguard stops sending the free coffee mug to new Flagship customers.


Hey, I never got a free coffee cup. I feel so slighted. :D
by island
Sat Jan 02, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: A dead year, never get it back
Replies: 84
Views: 7246

Re: A dead year, never get it back

It's been a great year for me! Maxed out all tax advantages accounts and hit savings goals in taxable accounts with plenty of years left for my investments to grow for retirement. I also stayed gainfully employed all year and my friends and family are all in good health. Here's to hoping that 2016 ...
by island
Fri Jan 01, 2016 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: I'm down 2.5% for 15'
Replies: 41
Views: 3361

Re: I'm down 2.5% for 15'

What if you stayed at EJ? Good chance you'd be in the red there too. It was that kind of year, but insignificant in the long term.
by island
Fri Jan 01, 2016 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Should I TLH this?
Replies: 4
Views: 414

Re: Should I TLH this?

However looks like I'll need to do that if want more international in that account soon because after the exchange, I got a pop up warning saying VTIAX is a restricted trade fund and can't purchase more until 1/31/15. Anyone know why that's restricted? This is Vanguard's frequent-trading restrictio...
by island
Thu Dec 31, 2015 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Should I TLH this?
Replies: 4
Views: 414

Re: Should I TLH this?

Exchange all of your VTIAX into VFWAX if your VTIAX has an unrealized loss. Exchange all of your VTSAX into VLCAX if your VTSAX has an unrealized loss. Do not invest in VTIAX or VTSAX until February. I can answer your questions next year after you have done this. Thanks Livesoft. Well I pulled the ...
by island
Thu Dec 31, 2015 4:04 pm
Forum: Personal Consumer Issues
Topic: Scary Consumer Warnings on New Towels
Replies: 19
Views: 2261

Re: Scary Consumer Warnings on New Towels

Just an FYI that products could leave bleach stains on the towels. No different than any other towels or linens.
Half the kids in my dorm (way back when) had bleach marks on the edge of their comforters or sheets from OTC pimple creams and were unaware that could happen.
by island
Thu Dec 31, 2015 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Should I TLH this?
Replies: 4
Views: 414

Should I TLH this?

Ok, here It is last day of the year and I'm thinking about TLH. Unfortunately I never heard of it until a few years ago when I discovered this website so I missed the opportunity to TLH in 2008 and get out of a large stake in American Funds. I've never done it before and I've also never sold or exch...
by island
Thu Dec 31, 2015 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Stick out miserable job for health insurance in retirement?
Replies: 49
Views: 5562

Re: Stick out miserable job for health insurance in retirement?

AllenSmith wrote:20 years is an insanely long time. no way man...you only get one life.


NO. The OP said s/he has to stay a FEW years to be vested for the healthcare benefit which won't kick in until 20 years from now when s/he's 60-ish. Does not have to stay 20 more years!
by island
Thu Dec 31, 2015 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Stick out miserable job for health insurance in retirement?
Replies: 49
Views: 5562

Re: Stick out miserable job for health insurance in retirement?

You said you have to stay a few years to be vested in the health care before 60 benefit. Exactly how many years are you talking about when you say a "few" years?
by island
Mon Dec 28, 2015 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: More capital loss carryovers than can use in lifetime
Replies: 21
Views: 1559

Re: More capital loss carryovers than can use in lifetime

Livesoft when can I purchase your book on tax loss/gain harvesting? Seriously, write one will ya? :D Always so much good info, but I can't keep track of the threads, individual posts and examples where you share your wisdom on this subject. Thanks for sharing. Thanks. I'm thinking of getting Mike P...
by island
Mon Dec 28, 2015 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: More capital loss carryovers than can use in lifetime
Replies: 21
Views: 1559

Re: More capital loss carryovers than can use in lifetime

Dec. Date is meaningless. It is the ex-dividend date that is important. What would be the ex-dividend date for the mutual funds in table 1? https://personal.vanguard.com/us/insights/article/estimated-yearend-distributions-122015 It would be the day after the Record Date in that table. Other mutual ...
by island
Sat Dec 26, 2015 7:28 pm
Forum: Personal Consumer Issues
Topic: What is the appropriate tip at Starbucks on Christmas morning?
Replies: 76
Views: 4764

Re: What is the appropriate tip at Starbucks on Christmas morning?

TimeLord. You've been around long enough to know that tipping is a polarizing topic in Boglehead land. Nothing brings out the tightwads more than a discussion on tipping and why would you expect Christmas or other holidays to be any different? Honestly, my first thought was is TimeLord serious with...
by island
Sat Dec 26, 2015 2:28 pm
Forum: Personal Consumer Issues
Topic: What is the appropriate tip at Starbucks on Christmas morning?
Replies: 76
Views: 4764

Re: What is the appropriate tip at Starbucks on Christmas morning?

TimeLord. You've been around long enough to know that tipping is a polarizing topic in Boglehead land. Nothing brings out the tightwads more than a discussion on tipping and why would you expect Christmas or other holidays to be any different? Honestly, my first thought was is TimeLord serious with ...
by island
Sat Dec 26, 2015 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: [What will you do differently in] 2016
Replies: 62
Views: 6421

Re: [What will you do differently in] 2016

To seriously start thinking about early retirement. Not that I'm hating work, just want to dig deeper, understand all the moving parts.

Also to learn more about TLH; enough to feel confident to pull the trigger when there is an opportunity.
by island
Sat Dec 26, 2015 1:51 pm
Forum: Personal Consumer Issues
Topic: Beef roast
Replies: 124
Views: 7734

Re: Beef roast

Leeraar. Happy your Christmas dinner was a success. I appreciate this thread and a view of the delicious results! Yum! I love prime rib and have made it before, but not exactly as described in some of these posts. After this I've decided to make it for New Years and will use this thread for guidance...
by island
Tue Dec 15, 2015 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Scared, confused and need financial makeover - Inheriting $160,000
Replies: 22
Views: 3240

Re: Scared, confused and need financial makeover - Inheriting $160,000

I'm so sorry for your loss. I have no advise for what to do with the money. Others with more experience and expertise will have good advice to share. However I would suggest if your husband is a spender, don't comingle those funds. Keep it seperate and secure for your future.
by island
Sun Dec 06, 2015 2:51 am
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 169
Views: 11143

Re: A car nicer than the boss?

jackholloway wrote:You are planning on dropping 100k+ on a car, and are quibbling over a couple hundred bucks for a cheap rental for a few weeks? Rent something cheap, scope out the land, and buy sensibly once you have met the people.


My thoughts exactly!
by island
Sun Dec 06, 2015 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Planned to retire 4/29/16 but now??
Replies: 9
Views: 2152

Re: Planned to retire 4/29/16 but now??

IPer wrote:Makes a lot of sense, please post updates to let us know how it goes and what the final
result is, thanks for the post(s)!


+1. Please keep us posted. Good luck.

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