Search found 6611 matches

by sport
Mon Apr 23, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Front Loaded Fund Restart
Replies: 6
Views: 336

Re: Front Loaded Fund Restart

I would suggest Vanguard funds instead of the ones you have. At Vanguard, there are no fees to invest (for almost all funds) and the expense ratios are roughly one tenth of the rate you quoted. Some are even less expensive than that. Not only do I suggest making future investments at Vanguard, I wou...
by sport
Mon Apr 23, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Emailed Vanguard Survey from "GfK". Possible spam or phishing?
Replies: 15
Views: 807

Re: Emailed Vanguard Survey from "GfK". Possible spam or phishing?

The next question is how much (of our) money does Vanguard spend paying the survey company and handing out $50 gift cards?
by sport
Mon Apr 23, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Emailed Vanguard Survey from "GfK". Possible spam or phishing?
Replies: 15
Views: 807

Re: Emailed Vanguard Survey from "GfK". Possible spam or phishing?

It must be phishing. You know that Vanguard would never spend $50 to get your answer to a survey.
by sport
Mon Apr 23, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 155
Views: 18237

Re: 2-year CDs at Vanguard and Fidelity Today

There are new rates for 2-year and 3-year CDs at Vanguard, from Wells Fargo. The 2-year rate is 2.75% and the 3-year rate is 2.90%.
by sport
Sun Apr 22, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with an inherited Roth IRA
Replies: 8
Views: 760

Re: What to do with an inherited Roth IRA

If they use the RMD method, some of the money may be left to the next beneficiary who would enjoy the tax exempt income. The successor beneficiary may not be financially independent and that money might mean a lot to them.
by sport
Sun Apr 22, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Prepping My Snowblower for Off-Season
Replies: 11
Views: 969

Re: Prepping My Snowblower for Off-Season

Here is something I read years ago for storing lawn mowers. It seems that it would apply to any small gasoline engine. 1. Run out all the gasoline. 2. Remove the spark plug. 3. Pour about a tablespoon of oil into the cylinder. 4. Pull the starter cord a few times to coat everything with the oil. 5. ...
by sport
Sun Apr 22, 2018 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Best CashBack creditCard with no foreign transaction fee.
Replies: 10
Views: 718

Re: Best CashBack creditCard with no foreign transaction fee.

The Costco Visa card is pretty good if you are a Costco member. The rebate is once per year and it is only good at Costco. However, if you go to a Costco store they will give you the cash, or possibly a check if the amount is large.
by sport
Sat Apr 21, 2018 9:20 am
Forum: Forum Issues and Administration
Topic: Are my posts missing or being deleted?
Replies: 14
Views: 1531

Re: Are my posts missing or being deleted?

Sometimes, not often, when I write a post and hit "submit", I get a full page statement "This Page Cannot Be Displayed". It can happen at other times as well. If it happens when I make a post, my post is gone. If I hit the "back" button, the post cannot be recovered. I have solved this problem by "s...
by sport
Fri Apr 20, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered CD Interest Compounding
Replies: 13
Views: 1413

Re: Brokered CD Interest Compounding

Note that in addition to interest implications, for larger CDs affected by the FDIC limit you can purchase a larger brokered CD paying out periodic interest payments than you could with a bank CD which reinvests interest. Roughly, at today's 3 year CD rates you would have to hold the bank CD purcha...
by sport
Fri Apr 20, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4493

Re: Factor in evaluating Physicians

Everything you'll find on there is peanuts compared to if they get a royalty on the device or drug they are giving. That would generally be if they invented some portion of the device and have a patent. I'm pretty sure royalty payments aren't included in this. Royalties are included. My orthopedist...
by sport
Thu Apr 19, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered CD Interest Compounding
Replies: 13
Views: 1413

Re: Brokered CD Interest Compounding

Vanguard has 2 year CDs at 2.65% that pay interest semiannually and 2.60% that pay interest monthly. Assuming the interest payments go into the sweep account that pays 1.55%, which CD yields the most considering the compounding of the interest in the sweep account? Similarly, 3 year CDs at 2.85% pa...
by sport
Thu Apr 19, 2018 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered CD Interest Compounding
Replies: 13
Views: 1413

Re: Brokered CD Interest Compounding

I thought that this would be an easy question for our CD experts. It certainly would be worthwhile to know the answer. Thanks.
by sport
Thu Apr 19, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: What is best strategy for taking RMD from VG IRA
Replies: 26
Views: 1933

Re: What is best strategy for taking RMD from VG IRA

Checks can be drawn on money market accounts and some bond funds. There is a minimum check size of $250. Technically, they are drafts, not checks. However, this does not affect the writer of these drafts.
by sport
Thu Apr 19, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: What is best strategy for taking RMD from VG IRA
Replies: 26
Views: 1933

Re: What is best strategy for taking RMD from VG IRA

I know that Vanguard does keep track of the RMD that I owe and I think even what was a QCD though the 1099 will only reflect the total withdrawal. I wonder if anyone has ever been audited and required to prove that the amount one posts as QCD on the 1099 were actually QCDs. This is the first year I...
by sport
Thu Apr 19, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: What is best strategy for taking RMD from VG IRA
Replies: 26
Views: 1933

Re: What is best strategy for taking RMD from VG IRA

I'm about to request Vanguard to send me a few QCD checks for RMDs. I need to do the same at Vanguard. Earlier in the year I moved the amount of money I needed for RMDs to a Money Market account. I know that some people keep on making QCDs to later in the year and then take their RMD. Tracking QCDs...
by sport
Thu Apr 19, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: What is best strategy for taking RMD from VG IRA
Replies: 26
Views: 1933

Re: What is best strategy for taking RMD from VG IRA

You can't draw checks yourself on the IRA. Also, why do you need the money market fund? Vanguard will issue the checks payable to the charities. Gill Yes you can draw check yourself. I have recently asked for such checks and Vanguard sent them to me. The reason for the checks is that I know they ar...
by sport
Thu Apr 19, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: What is best strategy for taking RMD from VG IRA
Replies: 26
Views: 1933

Re: What is best strategy for taking RMD from VG IRA

I'm about to request Vanguard to send me a few QCD checks for RMDs. I need to do the same at Vanguard. Earlier in the year I moved the amount of money I needed for RMDs to a Money Market account. I know that some people keep on making QCDs to later in the year and then take their RMD. Tracking QCDs...
by sport
Thu Apr 19, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: What is best strategy for taking RMD from VG IRA
Replies: 26
Views: 1933

Re: What is best strategy for taking RMD from VG IRA

You can't draw checks yourself on the IRA. Also, why do you need the money market fund? Vanguard will issue the checks payable to the charities. Gill Yes you can draw check yourself. I have recently asked for such checks and Vanguard sent them to me. The reason for the checks is that I know they ar...
by sport
Thu Apr 19, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Brokered CD Interest Compounding
Replies: 13
Views: 1413

Brokered CD Interest Compounding

Vanguard has 2 year CDs at 2.65% that pay interest semiannually and 2.60% that pay interest monthly. Assuming the interest payments go into the sweep account that pays 1.55%, which CD yields the most considering the compounding of the interest in the sweep account? Similarly, 3 year CDs at 2.85% pay...
by sport
Wed Apr 18, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: need help with cd terms conditions
Replies: 6
Views: 290

Re: need help with cd terms conditions

This should answer most of your questions on CDs at Vanguard.

https://personal.vanguard.com/us/conten ... ontent.jsp
by sport
Wed Apr 18, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: need help with cd terms conditions
Replies: 6
Views: 290

Re: need help with cd terms conditions

thanks for the info, Do you know if I can invested random amount of money with the cd or is the cd's in 10K amounts etc? Do Bank sponsored Cd's have beneficiary information or is this done thru the Vanguard account? Am I correct on the conditional Puts? Could you explain the return in a 5 year brok...
by sport
Tue Apr 17, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me with arguments for/against actively managed...
Replies: 34
Views: 1583

Re: Please help me with arguments for/against actively managed...

If the person who manages the account can reliably beat the market after taking 1.2%, this means that the manager must beat the market by at least that amount. If he/she can do that, why are they working for a living. They could be very wealthy without working.
by sport
Tue Apr 17, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Trad, RMDs and working pastt age 70 and 1/2
Replies: 9
Views: 640

Re: TIAA Trad, RMDs and working last age 70

However, if you have any traditional IRA accounts, RMDs are required, starting the year you reach 70.5, whether or not you are still working.
by sport
Tue Apr 17, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4193

Re: car at 80

If you are looking at a CPO Lexus, you should also consider a new Camry. It will have all the new safety features.
by sport
Mon Apr 16, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much salary did you negotiate?
Replies: 20
Views: 2456

Re: How much salary did you negotiate?

I believe that every situation is different. One of my co-workers once told me an interesting story about his negotiation. The building we worked in was very old and unattractive. It was also in a rough neighborhood. So, when this fellow came for an interview, he decided he did not want to work ther...
by sport
Mon Apr 16, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 5423

Re: Costco gas

No, I usually never get Costco gas. 1. No love for AMEX anymore and that means no 5% CB for me. 2. The lines are usually long (3-4 cars just waiting to fill up) 3. The price is within a nickel of Sam's and other gas competitors around my Costco location. 9 times out of 10, Sam's matches the Costco ...
by sport
Mon Apr 16, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: "Safe" funds for a life insurance proceeds
Replies: 15
Views: 930

Re: "Safe" funds for a life insurance proceeds

CDs would be a fine choice. However, if this is what you decide to do, be sure not to have more than $250K (including interest payments) in any one bank.
by sport
Sun Apr 15, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Account for Adult Children Allowing Parent Some Control
Replies: 31
Views: 3216

Re: Account for Adult Children Allowing Parent Some Control

You have been trusting them not to cash out their Roth IRA accounts and just spending the money. You should be able to do the same with a taxable account.
by sport
Sun Apr 15, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Having Child; Car Purchase maybe?
Replies: 40
Views: 1746

Re: Having Child; Car Purchase maybe?

The Camry should be large enough to handle your travel needs. You will not need that much more equipment compared to daily use.
by sport
Sun Apr 15, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Does low-cost active management makes sense for international?
Replies: 8
Views: 585

Re: Does low-cost active management makes sense for international?

cegibbs wrote:
Sun Apr 15, 2018 11:47 am
Does low-cost active management makes sense for international, or am I just kidding myself?
There are many here who believe that low-cost active management can "make sense" in general. For example there have been many positive comments about Wellington, Wellesley, and PRIMECAP funds.
by sport
Sun Apr 15, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Dealing with poorly assigned hotel rooms?
Replies: 41
Views: 3125

Re: Dealing with poorly assigned hotel rooms?

We have been using Hampton Inn hotels. Right on the counter where you check in they have a sign that you must be satisfied with your room or you do not have to pay for it. On one road trip, our room was not properly cleaned, and I complained when we checked out. It was not terrible, so I did not ask...
by sport
Fri Apr 13, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: IRA Trans to VG,90% CASH
Replies: 10
Views: 412

Re: IRA Trans to VG,90% CASH

Do whatever you are comfortable doing. There is no way to know whether lump sum or gradual investing will work out better. You could do some of each.
by sport
Fri Apr 13, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Investor to admiral shares conversion question
Replies: 11
Views: 761

Re: Investor to admiral shares conversion question

In a Vanguard mutual fund account you can do the conversion online. I am using the old style mutual fund account. I don't ever recall seeing this. Is there a special button or something? Yes, there is an icon that identifies it as available for conversion. I've used this twice when an index fund hi...
by sport
Thu Apr 12, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Investing outside of retirement accounts
Replies: 12
Views: 948

Re: Investing outside of retirement accounts

These funds can have large distributions of dividends and/or capital gains. So, you may have to pay a lot more income taxes for such holdings. Index Funds, minimize this problem and therefore are better in a taxable account.
by sport
Thu Apr 12, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: How do I make sure IRS receives my manual tax return ?
Replies: 84
Views: 5084

Re: How do I make sure IRS receives my manual tax return ?

I sent mine regular mail. IRS cashed the check about a week later. So, I know they received it.
by sport
Thu Apr 12, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: When to sell individual stock following merger announcement?
Replies: 21
Views: 1024

Re: When to sell individual stock following merger announcement?

Something about this discussion makes me think about birds, hands, and bushes.
by sport
Thu Apr 12, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Use of personal vehicle for employer, reimbursement at IRS rate -- good idea?
Replies: 7
Views: 361

Re: Use of personal vehicle for employer, reimbursement at IRS rate -- good idea?

Even if they are not covering those miles, the insurance company uses odometer readings to determine miles traveled, so I would not expect a discount on insurance for those miles. :?: :?: :?: A discount on insurance? I would be concerned that you would not be covered for an accident that occurred w...
by sport
Thu Apr 12, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 90
Views: 8613

Re: Wanting to leave Fidelity

I use a bank for banking and an investment company for investing. You may get better service by separating the two functions.
by sport
Thu Apr 12, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 5649

Re: Could you support family on 1 income?

We could and we did. DW stopped working when the children arrived. She worked part time when they started school, and we saved everything she earned. She went back to school, part time, for a Master's degree while the kids were in high school. She started working again full time when the kids went t...
by sport
Thu Apr 12, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Use of personal vehicle for employer, reimbursement at IRS rate -- good idea?
Replies: 7
Views: 361

Re: Use of personal vehicle for employer, reimbursement at IRS rate -- good idea?

Does your insurance cover you when you are driving for work purposes? I would think not.
by sport
Thu Apr 12, 2018 1:16 am
Forum: Investing - Theory, News & General
Topic: I bonds rates and returns
Replies: 7
Views: 1314

Re: I bonds rates and returns

You cannot calculate the amounts you ask for because the combined interest rate on I bonds changes every six months. You can only calculate the dollar amount when you know the interest rate that applies at the time you lose the 3 months of interest.
by sport
Wed Apr 11, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 21
Views: 1341

Re: Need vacuum recomendations

Costco.com has four different models of Shark vacuums.
https://www.costco.com/upright-vacuums. ... |&dept=All
by sport
Wed Apr 11, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 no beneficiary option
Replies: 9
Views: 704

Re: Capital One 360 no beneficiary option

Instead of using the word "beneficiary", ask them about TOD (transfer on death) or POD (payable on death) specification on your account.
by sport
Wed Apr 11, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Monetary gift in memory of deceased
Replies: 8
Views: 830

Re: Monetary gift in memory of deceased

Do not send the check to the family. Send it to the charity with a letter that asks for a receipt for tax purposes and that notification be sent to the family at the address you provide. Charities do this all the time and it should be routine for them to do that. Generally, the notification sent to ...
by sport
Wed Apr 11, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Medical Records
Replies: 21
Views: 1279

Re: Medical Records

I had to find a new primary care doctor recently when my doctor retired. While he provided a list of doctors to consider and I had referrals from specialists that I see, it was difficult to find a doctor I wanted. It seemed that the good experienced doctors do not take new patients. So, I had a cho...
by sport
Wed Apr 11, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Medical Records
Replies: 21
Views: 1279

Re: Medical Records

I had to find a new primary care doctor recently when my doctor retired. While he provided a list of doctors to consider and I had referrals from specialists that I see, it was difficult to find a doctor I wanted. It seemed that the good experienced doctors do not take new patients. So, I had a choi...
by sport
Wed Apr 11, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Medical Records
Replies: 21
Views: 1279

Re: Medical Records

Is the doctor part of a group? In my area most of the doctors are employed by one of the two large hospitals. Alternatively, is the doctor affiliated with a hospital that keeps such records on its patients so other doctors can access them?
by sport
Wed Apr 11, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Investor to admiral shares conversion question
Replies: 11
Views: 761

Re: Investor to admiral shares conversion question

The conversion is not a taxable event.
by sport
Wed Apr 11, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: Accumulation phase (no social security)
Replies: 1
Views: 318

Re: Accumulation phase (no social security)

What we did is use a sliding allocation with more bonds/less equities as we aged. We used age in bonds until the younger of us reached 65. Since then, we have stayed at 35/65. So, when we retired, we had a level in bonds that was sufficient (for us) to limit our investment risk level.
by sport
Wed Apr 11, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Protecting Against Disability with SAHM?
Replies: 19
Views: 934

Re: Protecting Against Disability with SAHM?

One way to get DI insurance is to borrow money. The bank/credit union will offer to sell DI to cover the amount of the loan. However, this would probably be temporary and insufficient insurance.