Search found 1206 matches

by radiowave
Thu Oct 19, 2017 9:21 pm
Forum: Investing - Theory, News & General
Topic: For those near retirement and rebalanced to Bonds...
Replies: 22
Views: 1708

Re: For those near retirement and rebalanced to Bonds...

We're about 5-6 years out. On the taxable side, we've been increasing our CD allocation to have 2-3 years worth of expenses covered. On the tax-deferred side, nearly all total bond fund and 401k so this has the effect of slowly raising our bond % to a target aa 50/50 by retirement. Question to the g...
by radiowave
Thu Oct 19, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 218
Views: 25332

Re: Retirement Account Stolen by Identity theft

As for withdrawals/distributions, perhaps that could function (hypothetical here, obviously) with some threshold, such as "more than 10% of account" or such. RM For credit cards, you need to set it to any amount from $0.01 on up. The reason is that fraud often starts with a 99 cents charge on Apple...
by radiowave
Mon Oct 16, 2017 4:36 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 104
Views: 5638

Re: How does everyone keep track of your portfolio?

serbeer wrote:
Sun Oct 15, 2017 9:43 pm
Fidelity has FullView tool that allows you to keep track of all accounts, including the ones external to Fidelity
My concern is that Fidelity would have login and password info. If Fidelity got hacked, someone could access your other accounts and wreak havoc.
by radiowave
Mon Oct 16, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Tanzania
Replies: 7
Views: 579

Re: Tanzania

Hi, I took a few nursing students to Arusha a few years ago, working vacation. We did do an extended weekend safari to the Serengeti. We stayed in tents and happened to be there during the migration - a trip of a life time. Be sure to bring a good camera. We didn't hike Kili, but one aspect you may ...
by radiowave
Mon Oct 16, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3037

Re: Buying 2017 Honda CR-V

radiowave, from my review of Truecar.com prices in our area, the EX is not even $3,000 more than the very basic LX. We have always bought EX Hondas because we do not need too many extras, but I gotta believe the extras you get with the EX are a huge improvement over the LX. Go ahead and plurge a li...
by radiowave
Sun Oct 15, 2017 4:17 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 104
Views: 5638

Re: How does everyone keep track of your portfolio?

+1 on Excel as well. I usually update it around the 15th of each month to let expenses and tax deferred account settle. I have a YTD and comparison with prior years tab, a retirement simulator which links to current year, and save each past year worksheet. I have a "what if" simulator to look at dif...
by radiowave
Sat Oct 14, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3037

Re: Buying 2017 Honda CR-V

One thing about the automatic forward braking on the CRV I've noticed, probably same for all or most vehicles that have it. A few times I've had it start to kick in when there is a vehicle turning right in front of me and it hasn't completely cleared the road. Normally, without auto braking you're ...
by radiowave
Sat Oct 14, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3037

Re: Buying 2017 Honda CR-V

Thanks for all the feedback. I took my wife out last night and we drove the LX, EX, EX-L. She has some difficulty with different types of seats so that was the driving factor (pun intended). I like the LX, good basic CR-V with back up camera and Bluetooth phone. I'm getting 1-1.3K off sticker on 201...
by radiowave
Thu Oct 12, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3037

Re: Buying 2017 Honda CR-V

I have been waiting for my 2004 Honda CRV to die so I can buy a modern car/SUV! It has 351,000 miles and keeps chugging away so I feel guilty putting it out to pasture. I wish I could get those miles. Been real happy with my 2004 model. But drove it off a high road edge recently (long story) and se...
by radiowave
Thu Oct 12, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3037

Buying 2017 Honda CR-V

Well I've been a good Boglehead but my tired 2004 CR-V with 171K miles needs too much work to be worth keeping. So I drove a 2017 new CR-V base LX, no options, happy with it, sticker was $26,600 . . . can anyone give feedback what to expect for an out the door price. I'll pay cash and no trade in.
by radiowave
Mon Oct 09, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Vanguard help invest $50,000
Replies: 24
Views: 1883

Re: Taxable Vanguard help invest $50,000

It recommend using mutual funds, e.g. VTSAX (total domestic stock) rather than the ETF (e.g. VTI). You have a option to automate purchases each month from an outside source, say an online savings account but cannot do that with an ETF.
by radiowave
Tue Oct 03, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Certified CR-V or RAV-4
Replies: 11
Views: 949

Re: Certified CR-V or RAV-4

Just a personal note, have a 2004 CR-V, 171K miles, still running strong, very little has gone wrong other than normal maintenance, tires, batteries, etc. Still gets 25-26 MPG>
by radiowave
Sun Oct 01, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: New to Taxable Investing
Replies: 7
Views: 958

Re: New to Taxable Investing

3.Presumably the contributions should be made with my overall AA across IRA+401k in mind. But what if the funds will be partly for long-term (retirement) and partly for shorter time horizon (house, ~5 years)? How do you keep those kinds of distinctions straight in your taxable account. For short te...
by radiowave
Sun Oct 01, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much liquid Cash to Keep in Savings
Replies: 35
Views: 4672

Re: How much liquid Cash to Keep in Savings

+1 on the Ally Bank 1.5% no penalty 11 mo CD. An excellent vehicle for cash, you can cash out to checking quickly. Downside is the $25K minimum per CD. DollarSavingsDirect pays 1.4% on savings. Yes, it's less than 1.5%, but no CD-associated hassles, and better than Ally's 1.2% on savings, so moved ...
by radiowave
Sun Oct 01, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Individual Retirement CD Accounts - What do to?
Replies: 6
Views: 522

Re: Individual Retirement CD Accounts - What do to?

Spouse had a CD at a brick and mortar bank as an IRA, moved it into IRA at VG at maturity and got hit with $50 account closure fee from the bank which negated any gain in interest.
by radiowave
Fri Sep 29, 2017 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much liquid Cash to Keep in Savings
Replies: 35
Views: 4672

Re: How much liquid Cash to Keep in Savings

+1 on the Ally Bank 1.5% no penalty 11 mo CD. An excellent vehicle for cash, you can cash out to checking quickly. Downside is the $25K minimum per CD.
by radiowave
Fri Sep 29, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Question: Why do people put/keep millions of dollars in investment accounts?
Replies: 66
Views: 8235

Re: Question: Why do people put/keep millions of dollars in investment accounts?

There's also something to be said about keeping things simple. Having real-estate or a business increases tax complexity and introduces additional risk/liability.
by radiowave
Fri Sep 29, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off Debt...credit score dropping and future mortgage
Replies: 34
Views: 2458

Re: Paid off Debt...credit score dropping and future mortgage

If you have 2-3 rewards credit cards and use them like debit cards, and pay them off at least monthly if not more often, that will help maintain a healthy credit score. Most major banks, e.g. BoA, Chase, Wells Fargo, etc. have both rewards cards as well as eBilling. So you could, for example, set up...
by radiowave
Fri Sep 29, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Why don't three goals - sabbatical, early retirement, and retirement - mean 3 different asset allocations?
Replies: 19
Views: 1062

Re: Why don't three goals - sabbatical, early retirement, and retirement - mean 3 different asset allocations?

Messner8000, reading your post, I am making an assumption you are an early-mid career tenure track faculty at a college/university. If this is not the case, please disregard the rest of my post. In most academic settings, sabbatical comes after obtaining tenure and usually you will get your full pay...
by radiowave
Fri Sep 29, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 7024

Re: 3 stages of Financial Independence

TimeLord, thanks for an interesting post. One thing to consider is the relationship between 1-2-3 is probably not linear. For example, as someone reaches retirement they are likely at their peak earning so the delta savings each year is much higher than earlier in their career (a generalization of c...
by radiowave
Fri Sep 29, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: need advice
Replies: 11
Views: 606

Re: need advice

Depending on your marginal tax bracket, you may want to move the TIRA to your Roth, e.g. if in 15% bracket now, you can convert, pay the tax, then have the money in tax free account. If you are in a higher bracket now and anticipate being in a lower tax bracket when you retire, consider doing the co...
by radiowave
Thu Sep 28, 2017 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Transition to brokerage account?
Replies: 2
Views: 382

Re: Transition to brokerage account?

Do a quick forum search, there have been several threads on this in the past year or so.
by radiowave
Wed Sep 27, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest cash to retire tomorrow?
Replies: 22
Views: 2811

Re: Where to invest cash to retire tomorrow?

A footnote re OP cash $250k . . . if not already done, he can place up to 250K in a no penalty 11 mo CD at 1.50% at Ally bank, spouse can have an additional 250k all FDIC insured and about as safe a reserve available. Break this into smaller lots, e.g. $50k CDs and cash them in as needed. Longer ter...
by radiowave
Tue Sep 26, 2017 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Starting Investing Strategy
Replies: 30
Views: 1933

Re: Starting Investing Strategy

Welcome to the forum! My question is regarding Roth IRA. I want to open an account with Vanguard. Since I already contribute to Vanguard Target Retirement Fund (2050) via my Roth 401(k), do you think I should just opt for Vanguard LifeStrategy Fund or should I manually chose the funds? Either fund ...
by radiowave
Mon Sep 25, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation - Nearing Retirement
Replies: 26
Views: 2888

Re: Allocation - Nearing Retirement

Mike has a good point. If you can support yourself with pension/ss then you can take greater risk, if your investments are your main source of support in retirement, you'll need to consider what is the best asset allocation than makes you sleep at night.
by radiowave
Mon Sep 11, 2017 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate for Early Retirement?
Replies: 41
Views: 3726

Re: Relocate for Early Retirement?

Good point on retirement home. I can't imagine being in our current house in our 80s high hill, many stairs, feet of snow to plow, second story master. We're headed back to NC in a few years, single story, first floor master, minimum stairs to contend with and the rare snow that melts in a day or tw...
by radiowave
Mon Sep 11, 2017 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate for Early Retirement?
Replies: 41
Views: 3726

Re: Relocate for Early Retirement?

One other thing to consider is Colorado Springs is one of the hottest real estate markets in the country - for many plus more of the reasons you stated. That means increased housing costs (if you can find a reasonable place at a reasonable price), increased congestion/traffic, and plenty of new stor...
by radiowave
Thu Sep 07, 2017 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: 1st time Portfolio Review
Replies: 8
Views: 905

Re: 1st time Portfolio Review

I concur with badbreath. You can increase your bond portion in Fidelity using FXSTX (and that's an excellent ER) and take out bonds in taxable and probably break up the target date fund proportionally with the SP500, international and bond fund.

and welcome to the forum!
by radiowave
Thu Sep 07, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Waterproof container for documents-pending Florida hurricane
Replies: 29
Views: 2376

Re: Waterproof container for documents-pending Florida hurricane

For a classier looking waterproof container, I would get a pelican case. I have used them for electronics out in the weather for many years. The essentially look like a briefcase on steroids and in brighter colors. +1 and you can probably get them at Walmart, sporting goods store, etc. and if you a...
by radiowave
Tue Sep 05, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: setting up a CD/bond ladder for short/medium term drawdown
Replies: 5
Views: 829

Re: setting up a CD/bond ladder for short/medium term drawdown

OP, a generic comment on CDs, re: Ally bank. It has one of the most flexible web interfaces for managing CDs and some of the best products right now. There is an 11 mo no penalty (no EWP) 1.50% return ($25k min).
by radiowave
Fri Sep 01, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Discover card inquiry about income and liquid assets
Replies: 50
Views: 3727

Re: Discover card inquiry about income and liquid assets

A side note/question, what income are they asking for - gross, net after taxes, AGI, etc.?
by radiowave
Wed Aug 23, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Is anybody using BND as a way to park cash?
Replies: 23
Views: 2278

Re: Is anybody using BND as a way to park cash?

Are you aware of online high yield savings accounts? Some common ones are: Ally, American Express, Discover, Synchrony. Ally currently has an 11 month 1.50% CD non penalty withdrawal ($25k minimum). FDIC insured to $250k per person. If you just want to "park cash" that would probably be the best fir...
by radiowave
Wed Aug 23, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Parking cash for a home
Replies: 7
Views: 774

Re: Parking cash for a home

+1 on the Ally 11 mo CD. FDIC limit is $250k/person or $500k for married couple. You could open a second online savings, e.g. AMEX, Discover, Synchrony, etc. to keep your cash under the FDIC limit. Consider breaking into smaller CDs in case you need a small amount of cash, you don't have to get hit ...
by radiowave
Wed Aug 23, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on emergency fund/cash options
Replies: 13
Views: 1116

Re: Opinions on emergency fund/cash options

Consider total stock funds, e.g. VTSAX or FSTVX (VG, Fido) in a taxable account for tier 3. That's more a long term asset, e.g. > 5yrs but still could be sold if really needed and you pay only capital gains . . . if you're still in the 15% band, LTCG = $0. Muni bonds in taxable probably are not a go...
by radiowave
Sat Aug 12, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 107
Views: 17700

Re: Best place (with warm weather) to raise children

Look into Raleigh-Chapel Hill-Cary (Research Triangle NC area.) Has all 6 that are on your list plus housing costs & medical lower than national averages. Wish I had done it fifteen years ago. +1 Beach is about 2 hours (Wrightsville/Topsail Beach), mountains are about 2.5 (Boone, Banner Elk, Blowin...
by radiowave
Mon Aug 07, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing expense ratios and returns
Replies: 6
Views: 483

Re: Comparing expense ratios and returns

"past returns are not an indication of future earnings" So unbundle the two. Also, the higher the return, the higher the risk. How would you feel if you lost over half of your investment in the future? Not trying to be snarky here, but if you chase returns and try to time the market, there is a high...
by radiowave
Thu Aug 03, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Losing confidence in Ally Bank - what would you do
Replies: 58
Views: 6866

Re: Losing confidence in Ally Bank - what would you do

A side note from the OP post. If you are using savings for your cash repository, probably not a good idea to directly transfer money from there. Consider doing all bank to bank (brokerage) transfers from checking. Yes it's an extra step but the added layer of security could be helpful if you get hac...
by radiowave
Thu Aug 03, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Help: Fidelity or Vanguard
Replies: 33
Views: 2570

Re: Help: Fidelity or Vanguard

I agree with the consensus to stay with Fidelity. The solo 401k is quite good and you have access to all low ER Fidelity mutual funds.
by radiowave
Mon Jul 31, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card options??
Replies: 18
Views: 2102

Re: Best credit card options??

Consider also having a card for use during foreign travel. Both the quality of the exchange rate and the fee are important, some cards charge 3% or more in fee. The DoubleCash from Citi is a good card, with an above average set of web services. +1 on QuickSilver CapOne. Worked well in Europe last y...
by radiowave
Mon Jul 31, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 8589

Re: Should you wait until the due date to pay credit card balance?

My Credit Card bill is the one thing I do NOT have on auto-pay. What if there is a fraudulent $15,000 charge the day before the bill is due and I don't catch it? By having to log in at least once a month to schedule the payment forces me to take a look across the charges to make sure nothing is ami...
by radiowave
Sun Jul 30, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Again
Replies: 6
Views: 1010

Re: Retirement Again

Hi, welcome to the forum With your wife being ~7 years older than you, all other things being equal, you will likely outlive her unless there is some health or family history concern. So if you go for "Single life - 4876/mo" you basically meet your expenses when you factor in a small amount of inter...
by radiowave
Wed Jul 26, 2017 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a taxable account
Replies: 5
Views: 752

Re: Opening a taxable account

Thanks for response Taylor. Definitely gives me something to think about. . . . I do have a Roth (only $5,500) at Vanguard still. Do you know if I'd be able to transfer that over to Fidelity in kind? Yes, pretty straight forward, start on the Fidelity side, call their help line and they will initia...
by radiowave
Fri Jul 21, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: if spreadsheet with account balances goes to hackers?
Replies: 11
Views: 1144

Re: if spreadsheet with account balances goes to hackers?

You could password protect the spreadsheet as well.
by radiowave
Fri Jul 21, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Denver or Portland for a 2nd home
Replies: 66
Views: 5363

Re: Denver or Portland for a 2nd home

Note that you won't be near trails if you live in downtown Denver (paved paths, yes, but not proper trails). And the nearest trails will be very crowded weekends and weekday evenings. The more remote trails will require travel on congested highways like I-70 or US285. I suppose as a retiree you'll ...
by radiowave
Fri Jul 21, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Denver or Portland for a 2nd home
Replies: 66
Views: 5363

Re: Denver or Portland for a 2nd home

Having moved from the Southeast about 4 years ago, I wish I would have come to Colorado 20 years ago! Denver metro area, well the entire front range is considered high desert. So many if not most days humidity will be in the 20 something % range (see the comment above on lip balm). But summers are w...
by radiowave
Thu Jul 20, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: An easy-to-understand withdrawal plan for comments
Replies: 9
Views: 855

Re: An easy-to-understand withdrawal plan for comments

If your taxable accounts have mostly equity, and as you begin retirement you will not be having any income (sans dividends and interest) you have up to about $95K space assuming married, filing jointly, for 0% long term capital gains. So you could sell your equity in taxable for essentially tax free...
by radiowave
Thu Jul 20, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2647

Re: Fidelity Full View usefulness?

FV can be a little slow and clunky, but in the end it allows me to track my expenses very easily. This is important to me as I run up to retirement. It also accurately captures Fidelity and external investments. With that said, I have a substantial amount in TIAA-CREF and while FV accurately tracks...
by radiowave
Wed Jul 19, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching major milestone, need cool-headed advice
Replies: 34
Views: 5108

Re: Approaching major milestone, need cool-headed advice

I agree w above, a lot to be said to be fully vested and eligible for Medicare. If the means delaying retirement for a few years to ensure more security in retirement, that's an investment in your future. What if you live to 90+ but run out of money earlier than that?
by radiowave
Wed Jul 19, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)
Replies: 35
Views: 3030

Re: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)

Not so much as a place to stop but a route, consider taking the Tamiami Trail across to I75, you're basically driving across the Everglades.

+1 on Captiva Island for a stay over. Beautiful beaches and plenty of shells to collect.
by radiowave
Wed Jul 19, 2017 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Designed an aggressive 20 year portfolio. Thoughts?
Replies: 24
Views: 2240

Re: Designed an aggressive 20 year portfolio. Thoughts?

Also, organizing you question into different taxable and tax-advantaged accounts would likely get better feedback from BH members.