Search found 125 matches

by radnor
Sat Aug 12, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation and tax treatment
Replies: 5
Views: 468

Asset allocation and tax treatment

My current asset allocation is 60% U.S. stocks and 40% international stocks. However, I hold different parts of my portfolio in pre-tax, Roth, and taxable accounts. Since, for example, Roth money is "more valuable" (since it has already been taxed) than pre-tax money, should I try to take this into ...
by radnor
Tue Aug 01, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Any issues with rollovers from Fidelity to Vanguard?
Replies: 19
Views: 1302

Re: Any issues with rollovers from Fidelity to Vanguard?

The number one danger in any transfer is being forced to cash, and being out of the market. Transfer in kind whenever possible, but I realize sometimes it's just not possible, in which case you want to minimize time out, maybe break into smaller chunks, and try to forsee any screwups before they ha...
by radnor
Tue Jul 11, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: So I found an ETF with an over-9% expense ratio...
Replies: 11
Views: 1029

Re: So I found an ETF with an over-9% expense ratio...

LiveSimple wrote:Dealing with Business development companies.

Sailing there are all these company yachts !!!

By the way, how do you land on this "Gold Mine" :oops:

I did a web search for "highest mutual fund expense ratios" out of sheer boredom. :D
by radnor
Tue Jun 27, 2017 7:50 am
Forum: Investing - Help with Personal Investments
Topic: Advice for relative with mostly cash and 7-10 years to retirement?
Replies: 25
Views: 1989

Re: Advice for relative with mostly cash and 7-10 years to retirement?

whodidntante wrote:What's the reason this person has so much cash? Is it ignorance of better options? Distrust of those options? Extreme risk aversion?

It's mostly distrust of the stock market in general and a high degree of risk aversion.
by radnor
Sat Jun 24, 2017 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for relative with mostly cash and 7-10 years to retirement?
Replies: 25
Views: 1989

Re: Advice for relative with mostly cash and 7-10 years to retirement?

I could not ethically encourage somebody to use a financial advisor if they were expressing interest in managing their own finances. That said, you are right to step out of the process. Give them the Bogleheads book, warn them about the consequences to their portfolio if the market crashes, etc. Te...
by radnor
Sat Jun 24, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for relative with mostly cash and 7-10 years to retirement?
Replies: 25
Views: 1989

Advice for relative with mostly cash and 7-10 years to retirement?

I have a relative who has about $400k, about 75% of which is cash. I've managed to successfully convince them that they need more stocks and bonds, and, roughly following the allocation of the relevant Vanguard target retirement funds, naively suggested something like $175K stocks, $175K bonds, and ...
by radnor
Fri Jun 23, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Part-time computer science graduate schools in Boston area?
Replies: 15
Views: 1454

Re: Part-time computer science graduate schools in Boston area?

I took night and online classes at Harvard Extension, but it was >10 years ago. Most classes are not taught by Harvard faculty, but by a practicing professional rather than a professor. They are also more practical (less theoretical) than the classes you would take in an undergraduate or graduate C...
by radnor
Wed Jun 21, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Part-time computer science graduate schools in Boston area?
Replies: 15
Views: 1454

Re: Part-time computer science graduate schools in Boston area?

Check out Georgia Tech's online Computer Science Master's program. If you're going to get a degree, it might as well be from one of the top CS schools in the country. The online master's is equivalent to the on campus version, there is no distinction in the diploma awarded, and you can even walk in...
by radnor
Wed Jun 21, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Part-time computer science graduate schools in Boston area?
Replies: 15
Views: 1454

Re: Part-time computer science graduate schools in Boston area?

Oh, I should have mentioned that my employer does re-imburse tuition, so cost is not a factor.
by radnor
Mon Jun 19, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Part-time computer science graduate schools in Boston area?
Replies: 15
Views: 1454

Part-time computer science graduate schools in Boston area?

I'll be moving to Boston soon and want to take evening and/or online classes for a computer science M.S. So far, I've looked at: ⋅ Tufts ⋅ Northeastern (College of Professional Studies) (which does not appear to have C.S. as a graduate major) ⋅ Harvard (Extension School...
by radnor
Mon May 15, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Checking account bonus churning and security clearance?
Replies: 4
Views: 595

Checking account bonus churning and security clearance?

Let's say that I will be applying for a security clearance soon; should I abstain from checking account bonus churning (i.e., open account, perform required actions, receive bonus, close account), or do they not care? I realize that this is a very specific question, but am asking just in case anyone...
by radnor
Sat May 13, 2017 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Are bank test deposits taxable?
Replies: 22
Views: 2580

Re: Are bank test deposits taxable?

Earlier this year, I linked a second bank account with my main account, and my main bank made (but did not ever withdraw) two test deposits totaling $0.22. Will I need to report this on my 2017 taxes? They take it back so I would say no. Nope, my bank didn't (and even confirmed that they wouldn't).
by radnor
Fri May 12, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Are bank test deposits taxable?
Replies: 22
Views: 2580

Re: Are bank test deposits taxable?

douginct wrote:
Eagle4Life wrote:Is this thread a joke?

I sure hope so.

This thread is 95% joke.
by radnor
Thu May 11, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Are bank test deposits taxable?
Replies: 22
Views: 2580

Re: Are bank test deposits taxable?

Generally speaking companies aren't required to issue 1099's for payments to people under $600, and I doubt they report anything to the IRS that doesn't have a 1099 issued for. So basically you're on the honor system here. From a practical POV I believe everything on your taxes is rounded to the ne...
by radnor
Thu May 11, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Are bank test deposits taxable?
Replies: 22
Views: 2580

Are bank test deposits taxable?

Earlier this year, I linked a second bank account with my main account, and my main bank made (but did not ever withdraw) two test deposits totaling $0.22. Will I need to report this on my 2017 taxes?
by radnor
Wed May 10, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Is the expense ratio fee amount shown on my 401k statement?
Replies: 2
Views: 316

Re: Is the expense ratio fee amount shown on my 401k statement?

You're talking about the expense ratio of the fund that you chose to invest in, right? If so, yes, that would be "built-in" to the fund's share price and not listed separately.
by radnor
Sat May 06, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay my entire credit card balance if I have 0% APR?
Replies: 4
Views: 441

Should I pay my entire credit card balance if I have 0% APR?

I recently got a credit card that includes a 6-month 0% APR promotion. I definitely can (and always do) simply pay off the entire statement balance each month, but was wondering if, given the promotion, could I somehow benefit from only paying the minimum?
by radnor
Fri May 05, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for someone 5-10 years away from retirement?
Replies: 1
Views: 494

Advice for someone 5-10 years away from retirement?

I'm advising a friend on how to re-allocate their money from mostly cash to something resembling the Vanguard Target Retirement 2020 fund. Just as a sanity check, it's reasonable for me to suggest that they put nearly all their money into stocks and bonds (in proportions approximately equivalent to ...
by radnor
Tue May 02, 2017 6:00 pm
Forum: Investing - Theory, News & General
Topic: What do bond returns actually look like?
Replies: 19
Views: 3309

What do bond returns actually look like?

Does a bond fund just constantly spit out interest payments? What about an individual bond?
Does does price/NAV usually change significantly?
And is there a difference in what an investor sees in a 401k or IRA vs. a taxable account?

Thanks!
by radnor
Sat Apr 22, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 5906

Six pack for barbecue?

I've agreed to buy a six-pack of beer for a friend's BBQ tomorrow, but I am not sure what exactly this means. Those who know, could you please help me out with this: ⋅  Should I buy bottled or canned beer? ⋅  What kind of beer should it be (Bud Light, or something higher-end/fanc...
by radnor
Wed Apr 19, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Can/should I contribute to an HSA if I already have health insurance?
Replies: 3
Views: 473

Can/should I contribute to an HSA if I already have health insurance?

I work for a company that offers an HSA, but am (still) on my father's PPO health insurance. Can, and if so, should, I contribute money to the HSA solely for retirement savings purposes?
by radnor
Wed Apr 19, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 5937

Re: How to make best use of lunch with the company president/CEO?

Next week, I (along with a couple of other employees) are scheduled for an informal lunch with the president/CEO of our company. This is part of a program for upper management to meet with employees, and we were randomly chosen. Any tips on good questions to ask or things to say? Well, post a follo...
by radnor
Tue Apr 18, 2017 5:23 am
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 5937

How to make best use of lunch with the company president/CEO?

Next week, I (along with a couple of other employees) are scheduled for an informal lunch with the president/CEO of our company. This is part of a program for upper management to meet with employees, and we were randomly chosen. Any tips on good questions to ask or things to say?
by radnor
Sat Apr 01, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Which VPN provider do you use?
Replies: 2
Views: 808

Which VPN provider do you use?

And how do you like it?
by radnor
Sat Apr 01, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Advice on setting up a network-level VPN
Replies: 29
Views: 2163

Advice on setting up a network-level VPN

I live in the U.S. and would like to take back my internet privacy... by force. Specifically, I want to sign up for a VPN service that I can connect to through my router (instead of having to install a software client on each computer/device in my house). Has anyone had any luck with this, and if so...
by radnor
Fri Mar 31, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Manufactured Spending - is it illegal, or otherwise "bad?"
Replies: 71
Views: 6565

Manufactured Spending - is it illegal, or otherwise "bad?"

The Capital One Quicksilver card pays a $100 bonus for $500 of purchases in the first three months. This is great, but I can't think of something to buy that wouldn't be a waste of money, so I am considering doing the following: ⋅ Use the Quicksilver card to buy a $500 Visa gift card &sdot...
by radnor
Sun Mar 26, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about Vanguard Prime Money Market Fund
Replies: 6
Views: 782

Confused about Vanguard Prime Money Market Fund

The Vanguard Prime Money Market Fund (VMMXX) says Vanguard Prime Money Market Fund seeks to provide current income and preserve shareholders’ principal investment by maintaining a share price of $1. As such it is considered one of the most conservative investment options offered by Vanguard. Althoug...
by radnor
Sun Mar 26, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 24745

Re: Capital One 360 $200 bonus

No OP, but I'd like to sign up for both the $400 Checking Account Bonus and the $200 Money Market Account Bonus . To reiterate, the terms page for the $400 checking account offer states the following (it's a targeted offer): "IF YOU DID NOT RECEIVE AN EMAIL OR MAIL PIECE DIRECTLY FROM CAPITAL ...
by radnor
Sun Mar 26, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 24745

Re: Capital One 360 $200 bonus

I've posted a few times that I seek out new account bonuses. This is the latest one I did. A lot of the bonuses I earn have bill pay, direct deposit, or spending requirements. However this one pays $200 for a 10k deposit, so it's easy to complete. Read the terms. m You can also find this same promo...
by radnor
Sun Mar 26, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: What is the "Settlement Allocation" in my 401k?
Replies: 2
Views: 368

Re: What is the "Settlement Allocation" in my 401k?

Maybe one of the funds in the 401(k) had a settlement with a regulator, and was required to provide some sort of compensation to the shareholders of the fund(?) I finally got around to calling them and they said that this was basically the case, but wouldn't actually give me any details on what the...
by radnor
Sat Mar 25, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: TD Bank Premier Checking - confused about minimum balance requirement
Replies: 1
Views: 313

Re: TD Bank Premier Checking - confused about minimum balance requirement

Never mind; I just called them and they said that there is a 90 day minimum balance grace period from the time the account is opened.
by radnor
Sat Mar 25, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: TD Bank Premier Checking - confused about minimum balance requirement
Replies: 1
Views: 313

TD Bank Premier Checking - confused about minimum balance requirement

I just opened a TD Bank Premier Checking Account and it says "$25 monthly maintenance fee waived when you maintain the $2,500 minimum daily balance." But I can't deposit any money until Monday for logistical reasons. Does that mean that I will be charged $25 for this month?
by radnor
Sat Mar 25, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Do I have too much cash?
Replies: 10
Views: 1678

Re: How much cash should I hold?

I currently live with my parents, have a steady job, and about $18k of cash split over a low-yield savings account (emergency fund) and low-yield checking account (for regular transactions) Should I reduce this number by using some of it to buy higher-yield but relatively safe investments (i.e., bo...
by radnor
Sat Mar 25, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Do I have too much cash?
Replies: 10
Views: 1678

Do I have too much cash?

I currently live with my parents, have a steady job, and about $18k of cash split over a low-yield savings account (emergency fund) and low-yield checking account (for regular transactions). Should I reduce this number by using some of it to buy higher-yield but relatively safe investments (i.e., bo...
by radnor
Fri Mar 24, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Capital One 360 Money Market account for use as checking account?
Replies: 13
Views: 1313

Re: Thoughts on Capital One 360 Money Market account for use as checking account?

inbox788 wrote:Alternatively, if you want to do the work, get a high yield checking account.

What do you mean by "if you want to do the work?" I've looked for high-yield checking accounts in the best that I could find offered 0.60% APY.
by radnor
Fri Mar 24, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Capital One 360 Money Market account for use as checking account?
Replies: 13
Views: 1313

Thoughts on Capital One 360 Money Market account for use as checking account?

The Capital One 360 Money Market account's APY of 1.00% is pretty attractive, and I'm trying to figure out if I can use it as a replacement for my existing checking account. My requirements: ⋅ Be able to make (typically fewer than 6) transactions OUT of the account per month (this includes...
by radnor
Fri Mar 24, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 68
Views: 6610

Re: What online bank do you use?

Thanks for all the suggestions, everyone! I happened to stumble upon The Aspiration Summit checking account, which offers an 1.00% APY on balances above $2,500.00. Is this too good to be true?
by radnor
Fri Mar 24, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 68
Views: 6610

What online bank do you use?

That's it. My local bank just charged me a $20 fee for having a checking account balance that is too low, and I have decided to dump them ASAP. I'm planning to transfer my cash to an online bank, and have seen some reasonably good options so far (Ally, Capital One, etc.). If you use an online bank, ...
by radnor
Tue Mar 14, 2017 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock Market Index Fund Composition
Replies: 8
Views: 1252

Vanguard Total Stock Market Index Fund Composition

My 401k consists of 100% Vanguard Institutional Total Stock Market Index Fund Institutional Plus Shares (VITPX) . The "Asset Class" listing in my 401k's online portal lists: ⋅ Domestic Stock 98.62% ⋅ Foreign Stock 0.72% ⋅ Short Term 0.56% ⋅ Other 0.0...
by radnor
Tue Mar 14, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: What is the "Settlement Allocation" in my 401k?
Replies: 2
Views: 368

What is the "Settlement Allocation" in my 401k?

My 401k's online portal lists percentages of sources (pre-tax, Roth, employer match, etc.). One of the sources (0.03%) is "Settlement Allocation." This appeared recently; what is it?
by radnor
Sun Mar 12, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: 0.47% expense ratio - too high?
Replies: 24
Views: 2534

Re: 0.47% expense ratio - too high?

I'm thinking about slightly tilting my portfolio into clean energy stocks, and found a fund that tracks the S and P Global Clean Energy Index. It has a ER of 0.47%; as a Boglehead, should I consider this to be too high? What is the fund name and ticker? Would the fund be held in an IRA or a taxable...
by radnor
Sun Mar 12, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: 0.47% expense ratio - too high?
Replies: 24
Views: 2534

Re: 0.47% expense ratio - too high?

selters wrote:If you're tilting for ethical reasons and you're willing to accept the higher ER, then I guess it's worth it.

It's not for ethical reasons, but rather because I personally believe that clean energy will take off in the next decade or two.
by radnor
Sun Mar 12, 2017 8:10 am
Forum: Investing - Help with Personal Investments
Topic: 0.47% expense ratio - too high?
Replies: 24
Views: 2534

0.47% expense ratio - too high?

I'm thinking about slightly tilting my portfolio into clean energy stocks, and found a fund that tracks the S and P Global Clean Energy Index. It has a ER of 0.47%; as a Boglehead, should I consider this to be too high?
by radnor
Fri Mar 10, 2017 7:46 pm
Forum: Investing - Theory, News & General
Topic: Best bond fund in taxable account?
Replies: 2
Views: 547

Best bond fund in taxable account?

When choosing to use either something like the Vanguard Total Bond Market Fund (VBMFX), or a tax-exempt bond fund, what should I consider?
by radnor
Sat Mar 04, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Which credit report(s) to get?
Replies: 8
Views: 781

Which credit report(s) to get?

I'm a bit paranoid that I may be a victim of identity theft, and would like to get a credit report to see if this is the case.
Does it matter whether I order one from Equifax, Experian, or TransUnion, or should I get all three?
by radnor
Thu Mar 02, 2017 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Account vs. Bonds for short-term (~1 year) savings
Replies: 5
Views: 537

Savings Account vs. Bonds for short-term (~1 year) savings

Let's say that I have about $10,000 with which I want to do something better than leaving them in a checking account that earns 0.01% interest. Assuming that my time frame before I may need the money is one year, would it make more sense to put the balance into a high-yield savings account (i.e., 1%...
by radnor
Sun Feb 26, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Why does Vanguard endorse TurboTax?
Replies: 6
Views: 1327

Why does Vanguard endorse TurboTax?

If I got to the "Tax Center" on my Vanguard account, it has a link to a Vanguard page advertising TurboTax.

Does Vanguard have some kind of special relationship with them or something?