Search found 1651 matches

by radiowave
Thu May 17, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Should I have my new garage floor coated with Epoxy?
Replies: 23
Views: 2949

Re: Should I have my new garage floor coated with Epoxy?

Two more inexpensive garage tips, paint the entire inside of the garage flat white and put florescent lights in the ceiling. that will really brighten it up. BTW, I did a floor paint rather than epoxy in a new home build. I acid washed the garage floor, then applied garage gray pain with some sand, ...
by radiowave
Thu May 17, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing in 8 years. Buy now?
Replies: 18
Views: 1608

Re: Downsizing in 8 years. Buy now?

So you want to buy a house now that you would rent out for the next 8 years? And then you’d move into it when you retired? It isn’t just a question if what will happen to the housing market in 8 years, but what will happen in your life. If one of you was run over by a bus the day after you bought t...
by radiowave
Thu May 17, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing in 8 years. Buy now?
Replies: 18
Views: 1608

Re: Downsizing in 8 years. Buy now?

So you want to buy a house now that you would rent out for the next 8 years? And then you’d move into it when you retired? It isn’t just a question if what will happen to the housing market in 8 years, but what will happen in your life. If one of you was run over by a bus the day after you bought t...
by radiowave
Thu May 17, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: How to find a realtor after relocating
Replies: 7
Views: 609

Re: How to find a realtor after relocating

You might try Zillow (https://www.zillow.com/ ). This is a national real estate web site that is quite good. They list realtors and you can look at the properties they sold to get an idea of how effective they are and their core territory.
by radiowave
Mon May 14, 2018 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund in Taxable
Replies: 5
Views: 706

Re: Bond Fund in Taxable

Your best choice is likely a municipal bonds. You can get two excellent ETFs: MUB and the Vanguard VTEB (ER 0.09%).
by radiowave
Mon May 14, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon or other Nat'l Park in October?
Replies: 44
Views: 2187

Re: Grand Canyon or other Nat'l Park in October?

I did not like the Grand Canyon. Too many tourists that ruined the whole atmosphere of being one with nature. There are tons of other scenic parks in Utah/Arizona that are much better. Arches National Park was much better IME.. +1 if you are coming from the east coast, you can connect twice a day i...
by radiowave
Sun May 13, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Quest for the perfect online savings bank
Replies: 18
Views: 2239

Re: Quest for the perfect online savings bank

To answer the OP's original question, Ally comes pretty close to checking all the boxes. They just raised their savings rate to 1.60%, still just below inflation but easy to work with online, bill pay works well, and you can add a checking account to move money in/out of savings (limit is 6 withdraw...
by radiowave
Sun May 13, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 2291

Re: Subaru Crosstrek vs Outback

OP, welcome to Colorado where the air is thin and cool, the stars are bright, and people give you room to merge on the interstate (except the ex-pats from CA:). Yes, this is the land of the Subaru and the largest dealer in the US is in Colorado Springs: [url]https://www.bestbuysubaru.com/ [url] Rega...
by radiowave
Sun May 13, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Financial Income rates between Ally and Vanguard
Replies: 9
Views: 1082

Re: Financial Income rates between Ally and Vanguard

OP, I'll defer to Kevin's wisdom on the nuances of short term CDs, money market funds, and treasury bills. He has had some excellent posts recently you may want to view. Personally, I'm not going to quibble on a few basis points. One thing to consider is a CD is FDIC insured up to $250k/person/accou...
by radiowave
Sat May 12, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help to Leave Edward Jones / Allocation & Taxes
Replies: 18
Views: 1654

Re: Help to Leave Edward Jones / Allocation & Taxes

OP do you have either a Fidelity or Charles Schwab office nearby? That may help with some of the paperwork (Vanguard does not have field offices). Fidelity often has incentives for moving over new funds and will pay for closure fees as well. Agree with above, check which if not all of the funds can ...
by radiowave
Sat May 12, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Buy new or keep 2009 CRV?
Replies: 12
Views: 796

Re: Buy new or keep 2009 CRV?

I had a 2004 CRV that went to 174k miles. Came off a steep curb and bent the drive shaft so wound up getting a new Pilot. The AC compressor is a known problem, ours was replaced outside of warrantee. You can probably eek another 4-5 years out of the CRV.
by radiowave
Tue May 08, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Move all funds to Vanguard?
Replies: 29
Views: 2435

Re: Move all funds to Vanguard?

Flyeaglesfly, I had a big smile on my face when you guys beat NE. A well deserved congratulations. Some additional thoughts to the above discussion. Take you time and weigh all options. Set out some simple goals, e.g. simplify and consolidate accounts, decrease costs, save for kids education, find a...
by radiowave
Tue May 08, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Move all funds to Vanguard?
Replies: 29
Views: 2435

Re: Move all funds to Vanguard?

Welcome to the forum. You question is one of the most common here . . . check out the Wiki (see URL below) if you haven't done so already. You will likely get a strong consensus to move your funds to a low cost do it yourself broker. The 3 most common recommendations are Vanguard (a la Jack Bogle), ...
by radiowave
Tue May 08, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Plan
Replies: 24
Views: 2398

Re: Emergency Fund Investment Plan

OP, welcome to the forum. If accessibility to your money is an issue, you can add a checking account to Ally and keep most of your cash in high yield savings and CDs. If you need to write a check, the transfer internally between savings and checking is immediate. If you need actual cash, then you'll...
by radiowave
Sun May 06, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Taxable Account Advice
Replies: 10
Views: 711

Re: Schwab Taxable Account Advice

I made a quick comparison on Morningstar from 5/1/2010 through 4/30/2018. Starting with $10,000 on 5/1/2010 here is the total gain of all funds below (FSTVX and VTSAX are the total US stock funds in Fidelity and Vanguard respectively): SWTSX: 26,108.59 VTSAX: 26,157.87 FSTVX: 26,109.91 VTI: 26,166.5...
by radiowave
Sun May 06, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 42
Views: 4569

Re: Best cash-back credit card right now?

One excellent feature of the BoA rewards card (and legacy cards) is the ability to generate a randomized one time (or limited monthly payment) CC number for online use. This decreases the chance of getting scammed/hacked and having to deal with shutting down the card and getting a new one and dealin...
by radiowave
Sat May 05, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Best brick & mortar bank?
Replies: 14
Views: 1227

Re: Best brick & mortar bank?

My main complaint with BofA is the fees they nickel and dime you with. What services are you being asked to pay a fee for? I've had an account at Bank of America for 35 years and have never paid a fee. My credit union does charge for some things such as outgoing wire transfers. I've never needed to...
by radiowave
Sat May 05, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Converting my (financial) Excel spreadsheets to MS Access DB?
Replies: 17
Views: 1203

Re: Converting my (financial) Excel spreadsheets to MS Access DB?

Thanks for all that! I appreciate it. Is it better to first create the Access table design manually with all the fields defined to match the spreadsheet and import the spreadsheet into this empty table? Is this even possible? As for the advice for a column to contain only numeric or character data,...
by radiowave
Sat May 05, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Best brick & mortar bank?
Replies: 14
Views: 1227

Re: Best brick & mortar bank?

I've been with Bank of American since it was North Carolina National Bank (NCNB) back in the 80s and have had a love/hate relationship since the beginning. If I didn't have such a long credit history with them I would jump ship and go with a credit union. My main complaint with BofA is the fees they...
by radiowave
Sat May 05, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Jonathan Clements "Where Money Grows Up"
Replies: 9
Views: 2002

Re: Jonathan Clements "Where Money Grows Up"

22. when your sisters tell you how much they like their Edward Jones financial advisor, you hold back the tears.

here we go . . . :)
by radiowave
Sat May 05, 2018 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: ETF vs MF
Replies: 38
Views: 3009

Re: Vanguard: ETF vs MF

In Vanguard and other brokerages, you can set up automatic purchases of mutual funds if you like, e.g. $100 each month in taxable or Roth IRA. You'll have to do that manually for ETFs. If you ever want to move your funds out of Vanguard in the future, ETFs are much more transferable than mutual fund...
by radiowave
Sat May 05, 2018 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Correcting an Error? Invested high dividend index fund in taxable account.
Replies: 25
Views: 1718

Re: Correcting an Error? Invested high dividend index fund in taxable account.

You only have 6 months capital gains so it may be worthwhile to exchange for Vanguard Total Stock (VTSAX) fund. Note, there have been a number of recent threads on dividend producing funds in taxable. It doesn't matter if you live off the dividends or sell funds when you need the money, exactly the ...
by radiowave
Sat May 05, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund
Replies: 10
Views: 1344

Re: Emergency Fund

+1 as well. I include treasury bills (1 yr or less) as part of my cash position in taxable. I have some treasuries in my tax-deferred portion of the portfolio but count them under the bond portion.
by radiowave
Sat May 05, 2018 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Where to park $200k portion of portfolio when needed to be used as noted below
Replies: 17
Views: 1715

Re: Where to park $200k portion of portfolio when needed to be used as noted below

+1 for simplicity. A CD ladder is FDIC insured. You can set it up over the time period to deposit funds at maturity into a high yield savings and/or checking account like Ally. I haven't used Synchrony yet so cannot comment on ease of use or customer service.
by radiowave
Fri May 04, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17639

Re: Ed. Jones rep didn't like our plan, now we're locked out

Radiowave, I am uncertain as to all the Vanguard funds available at CS but I do not think Admiral Shares are available. I suppose that's the trade off. I have confirmed that Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) are available and that was one fund on our list. We were willi...
by radiowave
Fri May 04, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17639

Re: Ed. Jones rep didn't like our plan, now we're locked out

. . . OP here. Yes, we were told the Vanguard fee waiver would be permanently applied to our account so that each time we invested in Vanguard Funds the $76 purchase fee would not apply. This agreement was verified both in email and over the phone with a promotion specialist and over the phone with...
by radiowave
Fri May 04, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17639

Re: Ed. Jones rep didn't like our plan, now we're locked out

OP sorry to hear about your EJ troubles. I'm an EJ survivor myself. One thing to consider is, if your parents want to work with Charles Schwab, work with them directly to move all accounts to them. They will be motivated, and probably know all the different EJ strategies. Be sure to move everything ...
by radiowave
Thu May 03, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: First investment, give me advice
Replies: 6
Views: 544

Re: First investment, give me advice

One more thing to add to the excellent advice above, put your cash to work in a high yield savings account (e.g. Ally, AMEX, Discover, etc.), use short term CDs and possibly treasury bills to get 1.5 to 2.25% return, maybe just track inflation but at least you won't be loosing to inflation each year...
by radiowave
Tue May 01, 2018 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 31
Views: 4766

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

. . . I did buy a 12 month AAA rated agency bond through Fidelity yesterday with a yield of approximately 2.25%. In looking at other current investment options, I got to thinking about why I am continuing to hold a sizable position in the Ally no-penalty CD's (yielding only 1.75%). They were compel...
by radiowave
Tue May 01, 2018 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Stay with Fidelity 403B or switch to Vanguard Target Retirement? Please advise?
Replies: 10
Views: 560

Re: Stay with Fidelity 403B or switch to Vanguard Target Retirement? Please advise?

Thank you for clarifying that about 403b rollover. There is a list of 44 investment options through my job at the Univeristy OF Texas TSA 82503 and there are only three index investment options: FID 500 INDEX IPR (FXAIX) ER 0.015% Large Cap FID EXT MKT IDX PR (FSEVX) ER 0.07% Mid Cap FID INTL INDEX...
by radiowave
Tue May 01, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 31
Views: 4766

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

I wound up getting the 2% one year CDs at Ally in Dec so makes sense to hold them to the end of the year. The no EWP CDs are the same rate as the 1.50% savings right now so there is no perceived benefit going that route at this time. Note: for the last couple years, Ally seems to have some very good...
by radiowave
Tue May 01, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Stay with Fidelity 403B or switch to Vanguard Target Retirement? Please advise?
Replies: 10
Views: 560

Re: Stay with Fidelity 403B or switch to Vanguard Target Retirement? Please advise?

Unless you are over 59.5 and your plan allows an inservice distribution at that age and older, unlikely you can just move the funds to VG while still working. If you post the available funds offered in your 403b, we can make some recommendations on alternatives, e.g. some funds have a low cost S&P50...
by radiowave
Tue May 01, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: Everything You Need to Know on an Index Card
Replies: 33
Views: 3967

Re: Everything You Need to Know on an Index Card

So a take on the question, if I could talk to my younger self (18) what would I say: - invest a little bit each month, even if its a 100 bucks or less. - buy Vanguard low cost mutual funds. - don't buy a new jeep when I got my first job (buy a sensible used car, you can always buy a jeep hat) - join...
by radiowave
Tue May 01, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Are Vanguard funds really any better than Schwab funds?
Replies: 28
Views: 2916

Re: Are Vanguard funds really any better than Schwab funds?

If you go to Morningstar and compare SWTSX vs VTSAX back to 1999, returns are essentially identical so either one will work for you. One thing to consider consolidating taxable in Vanguard is they have an excellent municipal bond fund VWITX (VWIUX > $50k). OTOH, Schwab has an excellent cash manageme...
by radiowave
Mon Apr 30, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Include dividends/interest in savings rate calculation ?
Replies: 26
Views: 1435

Re: Include dividends/interest in savings rate calculation ?

The % savings of income is what confuses me: gross income, AGI, taxable income, after tax, etc.? Since many if not most of us on Bogleheads contribute to tax deferred 401k or equivalent funds, that is one way to view savings up to the max allowable pretax savings. If you are looking at this from a c...
by radiowave
Sun Apr 29, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card for International Travel
Replies: 28
Views: 1652

Re: Credit Card for International Travel

. . . Accordingly, I’d recommend the CapitalOne Quicksilver card—1.5% cashback in everything, nor foreign transaction fees and broad acceptance (Visa). I have the Quicksilver card as well, it’s my oldest credit line, but I prefer the perks and rewards of my other cards. . . . We have been using the...
by radiowave
Sun Apr 29, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: How do you fund spending in retirement
Replies: 26
Views: 3080

Re: How do you fund spending in retirement

One thing to consider in retirement, if you get sick/hospitalized (or worse), who will be taking over your accounts and is the added complexity worth it in that regard?
by radiowave
Sun Apr 29, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund
Replies: 7
Views: 556

Re: Emergency Fund

+1 on the T-Bills, in taxable, they are competitive with CDs up to 1 year and have higher liquidity (no EWP). In Fidelity, there is an auto-roll feature that is interesting.
by radiowave
Sat Apr 28, 2018 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Being referred to a bank product
Replies: 11
Views: 1114

Re: Being referred to a bank product

Agree with the others to move your money to Ally.
by radiowave
Sat Apr 28, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Family vacationing
Replies: 40
Views: 3678

Re: Family vacationing

+1 on camping. Some of my best memories growing up is pulling a tent trailer across the country.
by radiowave
Thu Apr 26, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Retired Parents
Replies: 13
Views: 1560

Re: Help with Retired Parents

OP, you may first want to check they have been taking out their RMDs and paying taxes. If not, that is a whole other set of circumstances you'll have to walk through with them. For the cash, I would recommend a high yield savings account like Ally, 1.45% yield and some 2+% CDs. If their SS is meetin...
by radiowave
Wed Apr 25, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 30405

Re: KF's simple rules to achieve FI [Financial Independence]

Rule #11: When the job is done, walk away

Oops, sorry that's one of Gibbs rules, but I'm going to use it in a few years when I retire :)
by radiowave
Tue Apr 24, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Do I have 3 different investment horizons when planning for retirement?
Replies: 32
Views: 2518

Re: Do I have 3 different investment horizons when planning for retirement?

This makes sense to me: Late accumulation: get as much saved and into tax-deferred/tax-advantaged spaces while at maximum income (hopefully), get AA ready to tap bonds if needed vs. stock for growth over inflation, bulk up short term cash for potential downsizing into new home, moved to LOCL setting...
by radiowave
Mon Apr 23, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Family trip, Southwest USA
Replies: 27
Views: 2172

Re: Family trip, Southwest USA

Note, Phoenix/AZ in July is triple digit heat. Get up into the mountains!
by radiowave
Mon Apr 23, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Family trip, Southwest USA
Replies: 27
Views: 2172

Re: Family trip, Southwest USA

We did a 4 corners trip a few years ago. Flew into ABQ, rented, when up through Canyon de Chelly (sp), Monument Valley, North Rim Grand Canyon, Zion, Bryce Canyon, Teory UT up Route 12 in UT (one of the most scenic roads in the SW), Capital Reef NP, Moab, Mesa Verde, Durango, (train ride to Silverto...
by radiowave
Sun Apr 22, 2018 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Personal Investments, thanks for LOOKING!
Replies: 14
Views: 2007

Re: Help with Personal Investments, thanks for LOOKING!

Overall good simplification strategy. Consider: - Vanguard total stock market (VTSAX) admiral share ER .04% in taxable instead of the growth mutual fund - the bolded choices in 1st 401k seem reasonable - consider adding in the 2nd 401k Vanguard Mid Capitalization Index Fund 0.06% that will give you ...
by radiowave
Sun Apr 22, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Small Roth, big RMD--advice?
Replies: 14
Views: 2004

Re: Small ROTH, big RMD--advice?

What is your tax rate in retirement considering the RMD compared to your current tax rate? If more, then that suggests more conversions to Roth IRA and possibly taking less out in tax-deferred now.
by radiowave
Sun Apr 22, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Another emergency fund allocation thread
Replies: 17
Views: 1331

Re: Another emergency fund allocation thread

Using a modification of #3: checking accounts for 1-2 months expenses (essentially 0%); online savings and CDs (1.5 to 2.0% return) about 6 months expenditures; and adding a modest amount of Treasury bills a little over 2% now for intermediate term savings 2-5 years.
by radiowave
Sat Apr 21, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2594

Re: How long have you been employed?

3) Online media sources available = slow death in both the quality & quantity of newspapers being delivered
I can't remember the last time I bought a paper? Probably not in the last 10 years.