Search found 1296 matches

by radiowave
Thu Dec 14, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 77
Views: 14904

Re: Honda Pilot vs Toyota Highlander?

A question for people who have tried both: Other then cosmetics (the whole "hey, it doesn't look like a minivan" factor), what are the advantages of the Highlander over the Sienna, or the Pilot over the Odyssey? In each case, the minivan appears to have more room, better gas mileage, and have a low...
by radiowave
Wed Dec 13, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio Review
Replies: 5
Views: 529

Re: My First Portfolio Review

bloodsangre7 welcome to the forum. I don't usually respond to the portfolio review requests as there are many other BHeaders more capable to give you good advise. But . . . Overall it looks pretty good - Note your 4% Vanguard Total Bond Market Index (VBMPX) (0.15%) expense ratio is actually 0.03% - ...
by radiowave
Wed Dec 13, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Guided Solutions - Spouse is Employee
Replies: 37
Views: 2371

Re: Edward Jones Guided Solutions - Spouse is Employee

IowaFarmWife wrote:
Wed Dec 13, 2017 6:51 pm
Your wife needs a new job.
+1
by radiowave
Mon Dec 11, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Danger of being a helicopter pilot?
Replies: 40
Views: 3682

Re: Danger of being a helicopter pilot?

OnFire, here is a web site (FlightWeb) where the medical flight teams hang out and worth an evening going through the various posts: http://www.flightweb.com/forums/ I'm a former hospital based flight nurse (helo) and came into nursing from the fire service (something about putting the wet stuff on ...
by radiowave
Mon Dec 11, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 3425

Re: best cashback credit card ?

AMEX everyday blue works (no annual fee). I also like the Discover 5% categories. I find the Discover card has the easiest rewards interface, just transfer whatever dollars into your monthly statement. AMEX you have to do it in $25 chunks. I would like to use the Fidelity 2% card but it's still not ...
by radiowave
Mon Dec 11, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 126
Views: 4551

Re: Snow Tires? Worth it?

Random question for the group. I currently have 4 wheel drive Honda CRV with all season tires. However, we just moved to a cold weather location with longer winters and I have a longer commute now than before. My questions: -Does anyone recommend snow tires, even if a 4 wheel drive care? I have a w...
by radiowave
Sun Dec 10, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: Schwab 25% Cheaper than Vanguard?
Replies: 13
Views: 1414

Re: Schwab 25% Cheaper than Vanguard?

Also, VTI has 3599 vs 1977 total holdings (bonds) for SCHB and $635 billion in assets compared to $11 billion for SCHB.
by radiowave
Sun Dec 10, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 77
Views: 14904

Re: Honda Pilot vs Toyota Highlander?

I'm bumping this thread as I have the same question. Replacing a 2004 Honda CR-V with 173K miles. We were looking at a new CR-V vs. a Toyota RAV4 or Subaru Outback. All of these vehicles we have uncomfortable seat problems either between my wife or I. She drove the Toyota Highlander and liked it and...
by radiowave
Sun Dec 10, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Help Choosing a Fidelity Bond Index Fund
Replies: 19
Views: 972

Re: Help Choosing a Fidelity Bond Index Fund

+1 on Taylor's comments +1 on FSITX as core bond fund if you are using Fidelity tax-deferred account Note: expense ratio of FSITX is 0.045% not .03% ( https://fundresearch.fidelity.com/mutual-funds/summary/316146372?type=o-NavBar ). The institutional total bond fund may be lower, don't have the tick...
by radiowave
Sun Dec 10, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Recommendation Best fund for retirees in taxable
Replies: 20
Views: 753

Re: Recommendation Best fund for retirees in taxable

There's nothing wrong about a VG Target Date fund in a taxable account, so if simplicity is the goal, TD is a consideration. A treasury mutual fund or individual treasury bonds may be a consideration at the risk of higher complexity. 5 yr CDs at around 2.25% return will barely keep up with inflation...
by radiowave
Sun Dec 10, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Cash heavy and unsure
Replies: 12
Views: 1019

Re: Cash heavy and unsure

Treasuries are typically part of a total bond fund. If you have total bond in your tax-deferred account (401k/IRA) then the question is do you want to add additional US Treasury to your bond mix? If so, an intermediate treasury fund (e.g. Fidelity FIBAX) could work. If you need more bond space and h...
by radiowave
Sun Dec 10, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Recommendation Best fund for retirees in taxable
Replies: 20
Views: 753

Re: Recommendation Best fund for retirees in taxable

I would like a recommendation for a fund for several risk averse retirees in a taxable account. The main goal is for the money (low 6 figures) to keep up with inflation. They are ok with an allocation to stocks. They have no need for this money for anticipated expenses, only potentially for medical...
by radiowave
Wed Dec 06, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 52
Views: 4658

Re: A " Bond Tent" During the "Retirement Red Zone?"

. . . If there are no contributions or withdrawals there is no sequence of returns phenomenon at all. Also, like most risk, the phenomenon can result in a benefit to the investor as much as a hazard. So if there is no anticipated withdrawal from retirement assets in early retirement, what asset all...
by radiowave
Tue Dec 05, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback
Replies: 65
Views: 8371

Re: 2018 Subaru Outback

Any thoughts about the Volkswagen Tiguan? We've been vacillating between buying a new Outback or Honda CR-V but find both driver's seat are uncomfortable. I drove a new Tiguan yesterday and was pleasantly surprised . . . any feedback re outback vs the VW?
by radiowave
Tue Dec 05, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?
Replies: 29
Views: 1739

Re: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?

I prefer 2 wheels. With the 4 wheels your actual luggage space is smaller for the size of the bag (wheels stick out below bag - with 2 wheels they can inset the wheels and you have more packing space) and I find the 4 wheelers harder to bring with me through the streets of NYC or similar. The 2 big...
by radiowave
Tue Dec 05, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: question about opening Traditional IRA
Replies: 8
Views: 514

Re: question about opening Traditional IRA

Hi, welcome to the forum. You can rollover your old 401k into a traditional IRA (custodian to custodian transfer). You need to keep your husband and your IRA separate as it is linked to your social security number. However, you can add up to $5,500 to your IRA / year (6,500 > 55) and this is pretaxe...
by radiowave
Mon Dec 04, 2017 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 52
Views: 4658

Re: A " Bond Tent" During the "Retirement Red Zone?"

. . . If there are no contributions or withdrawals there is no sequence of returns phenomenon at all. Also, like most risk, the phenomenon can result in a benefit to the investor as much as a hazard. So if there is no anticipated withdrawal from retirement assets in early retirement, what asset all...
by radiowave
Sun Dec 03, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 52
Views: 4658

Re: A " Bond Tent" During the "Retirement Red Zone?"

Interesting discussion There is an assumption in the Kitces article that funds are withdrawn in early retirement to maintain a certain living standard. If social security and pension funds will support that standard of living in retirement, does the bond tent strategy still make sense? Also, Kitces ...
by radiowave
Sun Dec 03, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Index Funds in Taxable?
Replies: 10
Views: 702

Re: Index Funds in Taxable?

midareff wrote:
Sun Dec 03, 2017 8:02 am
I would not do what you are doing either. Total US Market, Total Int Market and IT Tax-Exempt Bond Fund.
+1 (in taxable)
by radiowave
Sat Dec 02, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do? [Which Vanguard fund?]
Replies: 13
Views: 1444

Re: What would you do? [Which Vanguard fund?]

What asset allocation helps you sleep at night? With ~ 25 years or so to your retirement you want to have reasonable growth but enough time to recover when (not if) the market takes a nosedive.
by radiowave
Sat Dec 02, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: At what spread would you invest in a short term CD vs a High Yield Savings Account?
Replies: 15
Views: 1358

Re: At what spread would you invest in a short term CD vs a High Yield Savings Account?

If you want to have the flexibility of savings, but higher interest rate from CD, Ally has an 11 mo 1.50% no early withdrawal penalty ( there is a 6 day wait period before you can get to your money ). Easy online interface allows you to move between CD and savings when you need the cash. This may b...
by radiowave
Fri Dec 01, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: At what spread would you invest in a short term CD vs a High Yield Savings Account?
Replies: 15
Views: 1358

Re: At what spread would you invest in a short term CD vs a High Yield Savings Account?

If you want to have the flexibility of savings, but higher interest rate from CD, Ally has an 11 mo 1.50% no early withdrawal penalty (there is a 6 day wait period before you can get to your money). Easy online interface allows you to move between CD and savings when you need the cash. This may be t...
by radiowave
Fri Dec 01, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation, Glide Path and 'Finalizing' a plan... 6 yrs out
Replies: 19
Views: 1396

Re: Help with Asset Allocation, Glide Path and 'Finalizing' a plan... 6 yrs out

I think you have a good plan. You should consider holding your planned CDs in your IRA account to maintain your current good tax efficiency. In the early retirement phase you are definitely selling stocks in the taxable account. To hold CDs in the taxable account is just for psychology reason and n...
by radiowave
Wed Nov 29, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3945

Re: Luggage Update for Travel

I've used my Travelpro 21in Suiter carryon on since 1990 now. Been to every continent except Antarctica, been dragged, dropped and generally abused for 27 years now. Original zippers still holding up and just put new handles on it last year. The suiter is nice because there is a separate compartment...
by radiowave
Mon Nov 27, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Recommend Cheap Windows Desktop for TurboTax
Replies: 10
Views: 1250

Re: Recommend Cheap Windows Desktop for TurboTax

If you're in the market for a refurb under $100, try Newegg: https://www.newegg.com/Desktop-Compute ... der=PRICE
by radiowave
Mon Nov 27, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement: how to forecast where you’re at?
Replies: 35
Views: 3242

Re: Retirement: how to forecast where you’re at?

I am looking for a forecast based on human inputs. ie- if I have $X in portfolio assets today and plan on retiring in 30 years, assuming a “conservative” 8%/year return, how much will our portfolio be worth in that time? Does that make more sense? Tools like those mentioned cannot forecast what Mr....
by radiowave
Mon Nov 27, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting a large sum, slightly intimidated.
Replies: 51
Views: 5146

Re: Inheriting a large sum, slightly intimidated.

Long time reader here, first time poster. I've been reading this forum for about a year now trying to educate myself as much as possible, but now I need some advice of my own. I am currently 28, make 60k a year as a police officer, have no debt and live in Maryland. I have roughly 2k in an emergenc...
by radiowave
Sat Nov 25, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Breaking up with USAA--banking alternatives welcomed
Replies: 36
Views: 7759

Re: Breaking up with USAA--banking alternatives welcomed

aron, thank you for your service.

If an online bank works for you, I recommend Ally https://www.ally.com/ . Lots of options, excellent CD management, competitive savings and CD rates, good iPhone app to deposit checks. About the only thing you can't do is deposit cash or coins.
by radiowave
Sat Nov 25, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Enough to retire???
Replies: 22
Views: 3343

Re: Enough to retire???

ln09348 welcome to the forum.

You need to get a few quotes on what it would cost for health insurance. I suspect it will add another $10-15k or more added expenses/yr. Does that change your calculations on when to retire?
by radiowave
Sat Nov 25, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 19
Views: 1683

Re: Best Fund for Taxable Account

BTW, if you are considering a municipal bond fund in taxable, VWITX spits out a lot of dividends which although are federal tax free, you still pay the state tax.
by radiowave
Sat Nov 25, 2017 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 19
Views: 1683

Re: Best Fund for Taxable Account

. . . Do you think that those are a better option than doing VTSAX in the taxable account? While they might have better tax advantages, seems like growth of VTSAX would be better over the long term. Would also keep my portfolio simple since I already own VTSAX. NO. As per my first post, I would con...
by radiowave
Sat Nov 25, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: the psychology of a taxable account
Replies: 29
Views: 2588

Re: the psychology of a taxable account

I max out tax all deferred accounts every year available to me. I am thinking of starting a taxable account. I am also thinking of paying down some low interest mortgage debt in lieu of the taxable account (forced savings). Tax deferred accounts are easy for me to mentally categorize as 'untouchabl...
by radiowave
Sat Nov 25, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Analysis Paralysis: Can you get to the bottom of things?
Replies: 135
Views: 8817

Re: Analysis Paralysis: Can you get to the bottom of things?

I second the motion for Option B. Keep things as simple as you can, diversify your portfolio, keep costs low. I will admin to a certain amount of personal quantitative analysis, not for market timing, but for better understanding future scenarios like when I can retire, "what if" for early retiremen...
by radiowave
Fri Nov 24, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 4894

Re: if you could use only 1 investment firm...

OP, if you are in need of just personal investments, not banking or bill paying, I would recommend Vanguard as the sole brokerage. Since you are using ETFs, that opens other options for you. If you are looking for cash management, eBill paying, etc. Fidelity (personal experience) or Schwab (no exper...
by radiowave
Wed Nov 22, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Discover Card Change in Terms
Replies: 28
Views: 2957

Re: Discover Card Change in Terms

Another vote for changing to Discover It card. We've had excellent service for the past few years with it and only had one place it wouldn't work - and that may have been a computer glitch at the store. The few times I've called Discover CS, they have been very helpful and resolved the issue promptl...
by radiowave
Wed Nov 22, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: where should I put my direct deposit?
Replies: 26
Views: 2814

Re: where should I put my direct deposit?

One option is to deposit to a high yield savings account like Ally, use checking for usual monthly cash flow, put remainder in savings (I think Ally is 1.25% now which is a whole lot better than brick and mortar banks at 0.01% or something like that). You can set up overdraft for checking from savin...
by radiowave
Wed Nov 22, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 2615

Re: Honda CR-V vs Subaru Outback

So here is the latest for those interested . . . Went back to the Subaru dealer yesterday, drove the Premium Outback with cloth seats and the 3.6 Limited with leather seats. Better than the CR-V but still having problems with mid back pain after a short drive (arrgh, I was definitely leaning towards...
by radiowave
Wed Nov 22, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: Transferring to Vanguard
Replies: 14
Views: 1768

Re: Transferring to Vanguard

Glad to hear things are working out. Vanguard appeals to passive investors that don't need a lot of hand holding or direct customer support. I've had overall good experience with VG with a small number of bumps in the road, some self inflicted. Some other brokers have better web interfaces and cash ...
by radiowave
Tue Nov 21, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 2615

Re: Honda CR-V vs Subaru Outback

yukonjack wrote:
Mon Nov 20, 2017 10:33 pm
If you like the Subarus you might want to look at the Crosstrek. It appears to have received a recent makeover giving it a kind of mini Outback look.
The Crosstrek seems underpowered to me. Nice vehicle if you're in the flat lands, not all that good in mountain roads where we are out west.
by radiowave
Mon Nov 20, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 10525

Re: What are the things you want to do between 55 and 65?

Stay healthy physically and mentally, more important than money in this age group. +1, I've been trying very hard to loose some weight (abt 10 lbs in last couple weeks) and challenge myself to hike more (up to 8 mi rugged course a couple times/week. In the 55-65 time frame, I feel better, more ener...
by radiowave
Mon Nov 20, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 2615

Re: Honda CR-V vs Subaru Outback

I'd agree that the Forester is a closer competitor. I'd view the Outback as a class up. If I'm next to either a Forester or CR-V now, I have to look at the wheel center caps to know what it is as it appears they copied each other. I drove the Forester, ride was much harsher than the Outback. With l...
by radiowave
Mon Nov 20, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: What percentage of your annual expenditures are you targeting for travel once you are retired?
Replies: 19
Views: 1359

Re: What percentage of your annual expenditures are you targeting for travel once you are retired?

About 3-5 years out, initial planning numbers for travel (discretionary) about $5-10k/yr which is roughly 10-15% of anticipated annual expenditures. Bucket list includes: South America - Chile/Argentina Patagonia and possibly Antarctica; Mongolia (long story); and Alaska.
by radiowave
Mon Nov 20, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 2615

Honda CR-V vs Subaru Outback

Well I got 173K miles out of my old 2004 CR-V and time to buy a new one. I was all set to purchase a new CR-V EX but found on both the 2017 and 2018 models the drivers seat was very uncomfortable and actually was painful after a short test drive. The leather seat in the EX-L model does much better b...
by radiowave
Mon Nov 20, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring $$ from Ally
Replies: 19
Views: 1259

Re: Transferring $$ from Ally

If your B&M bank has a mobile app, you could write a check to yourself then edeposit it into your bank. Just giving you another option.

Note: if you go from your B&M bank to Ally, some banks like BoA charge a fee so better to pull from Ally when going that way.
by radiowave
Sun Nov 19, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: How to take income from IRA?
Replies: 8
Views: 582

Re: How to take income from IRA?

Not a dumb question at all. I don't know the preferred method, but I am getting set up when I reach 70.5 to just do the RMD. You can set that up to automatically pull the money out of the account on a monthly or yearly basis, have estimated taxes withheld and the cash transferred to a taxable broker...
by radiowave
Sun Nov 19, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Vanguard for Rollover IRA
Replies: 6
Views: 634

Re: Fidelity vs Vanguard for Rollover IRA

Here is the Fidelity Freedom 2015 Index Fund: https://fundresearch.fidelity.com/mutual-funds/summary/315793406 . Do a quick search and you can find the others that match your preferred asset allocation. Expense ratio is 0.15% not 0.50% so the difference between a fidelity target index fund and a typ...
by radiowave
Sun Nov 19, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Bank of America Premium Rewards card
Replies: 13
Views: 1268

Re: Bank of America Premium Rewards card

One of the nice features of this card (and BoA) is ShopSafe. This allows you via the bank web site to generate a new one time CC number to use for online purchases. If the number gets hacked, it can't be used again. Overall, my experience with BoA, ME, and the rewards card have been mixed. I've been...
by radiowave
Fri Nov 17, 2017 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Take Pension or Lump Sum payout?
Replies: 12
Views: 1186

Re: Take Pension or Lump Sum payout?

Do you get retirement healthcare benefits as well if you keep the pension?
by radiowave
Wed Nov 15, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Preferred Cash Rewards Visa Card
Replies: 4
Views: 608

USAA Preferred Cash Rewards Visa Card

Anyone know if this card (or the AMEX version) can do automatic eBill pay? My CapOne QuickSilver card no longer does eBill and I'm looking for something to replace it. At 1.5% across the board rewards and no foreign transaction fees, this would be a good backup for travel outside the US.