Bogleheads.org

Lemonaid56

An adviser at Fido had recommended an in service rollover from my employers company TRowe Price to Fido. I'm curious what advantage that would offer to me? My investments at Price are VTIAX,VINIX,VSCIX,VMCIX and MWTIX in a standard 401k. From research on the forum those are good enough funds compar...

Lemonaid56

My plan does allow in service rollovers up to 100%. I do not have a tIRA. Just the company 401k and a taxable account. Could we do the rollover and then backdoor into a Roth? We are talking about about $550K here. Would I only pay tax on the gains that money makes in the time it takes to go from tIR...

Lemonaid56

Well, there would be an advantage for Fido as they would have more money under management. The only advantages for you would be possible lower costs and greater choice of investments. There are also advantages of having the money in the 401k. There is greater liability protection, you can borrow th...

Lemonaid56

We were at a low point in April. Had lost about $500k. Just checking on it today we gained all that back plus $350K. Never took any money out, never readjusted our AA. We continued to add $2K monthly as we have been for the last few years. Staying the course seems to have worked so far. Still on tra...

Lemonaid56

An adviser at Fido had recommended an in service rollover from my employers company TRowe Price to Fido. I'm curious what advantage that would offer to me? My investments at Price are VTIAX,VINIX,VSCIX,VMCIX and MWTIX in a standard 401k. From research on the forum those are good enough funds compara...

Lemonaid56

I have a pension through my employer. About 3 years ago in contract negotiations they decided not to keep using the pension and so "froze " it. It is still in place but they are not funding it anymore. I have 17 years in it at time of freezing. I recently asked for statements based on thre...

Lemonaid56

This question highlights to me the need to educate the Greenies about electricity. Batteries as they are today are not made for long term use for heavy loads and to recharge them takes a reliable source which is still not available to everyone. As well they should realize the resources required to m...

Lemonaid56

Thank you all once again for your succinct , prompt and insightful responses. I have a better understanding now. Livesoft especially thank you for the note about FTBFX being actively managed! I did not see that for some reason. So many Bond funds to look at I somehow did not catch that in my researc...

Lemonaid56

I am adjusting our AA from 70/30 to roughly 60/40 in prep for soon retirement. In our two 401k's I had adjusted to buy more total bond if available. We also contribute to a taxable account in Fidelity in the amount of 2K a month. I had just been buying FSKAX but a few months ago decided to split it ...

Lemonaid56

Cheez-It Guy wrote: ↑Mon Sep 14, 2020 1:55 pm
Lemonaid56 wrote: ↑Mon Sep 14, 2020 10:27 am Yes so sorry. I'm old . Its what they used to be referred to as.
Native American Busts.
I'm just kidding around. I couldn't answer your real questions.

Thought you might be. But in these times they are all coming out of the wood work at every little slight perceived.

Lemonaid56

Seems high. We have ours through same as the homeowners so I think theres a bit of a discount there. We had to make sure everything liable for accidents was insured... boats, atvs, snowmobiles, vehicles, camp, trailers for all the same. Seems like we have $3 umbrella for less than $200. We are in a ...

Lemonaid56

Yes so sorry. I'm old . Its what they used to be referred to as.
Native American Busts.

Lemonaid56

I was just given a shopping bag full of a mix of old coins and stamps my grandfather had collected. Some foreign some US. Is there a way I can check values online with out buying a subscription or a book? I used to collect coins as a kid so a quick peaksee tells me most are not a great collector ite...

Lemonaid56

300 seems reasonable for here in New England- lots of lumberjacks around here might do it cheaper as a Saturday afternoon project. Seems like you have a lot of it knocked out already I might just keep going at it with a pole saw as you are almost to the point where cutting the trunk will miss the ga...

Lemonaid56

WE also have done nothing. Seemed a lil tense but had the faith it would come back. The only change I did make as planned is moving from a 70/30 AA towards a 60/40 as we get close to retirement. Doing that by DCA the monthly amount we were already putting in and now buying Total Bonds with it. So we...

Lemonaid56

Wife is Pharmacist and they use it at their pharmacy to help customers w prices. We have used it also. No issues with it yet.

Lemonaid56

Even tho the gas we use has ethanol in it which absorbs water it does take some time for this to occur. I think that they suggest if its going to be sitting around for more than 3 months you should add the stabilizer. Practical experience has shown me that if the gas is sitting in a sealed container...

Lemonaid56

New money getting to drop in MM account. FSKAX or FXNAX ? Which is a better but in your mind? Desired AA is 70/30 - Currently at 73/27 and I would not adjust for that lil out of AA . Usually adjust once a year about October. Being close to retirement I was soon going to adjust AA to 60/40 - maybe 5...

Lemonaid56

Not my intention to market time. Can't really buy according to AA right at this time can we because that is all out of whack right now? I wouldn't think of rebalancing at this time. Would anyone else ? Just wondering. I rebalance last week, exchanging from our bond index fund to the total stock mar...

Lemonaid56

Not my intention to market time. Can't really buy according to AA right at this time can we because that is all out of whack right now? I wouldn't think of rebalancing at this time. Would anyone else ? Just wondering. I feel like equities is a good buy but I was looking to add Total Bonds to our tax...

Lemonaid56

New money getting to drop in MM account.
FSKAX or FXNAX ? Which is a better but in your mind?

Lemonaid56

Have had a garage fridge for many many years. We have family gatherings in Spring and Summer and then there are the Holidays. I usually unplug it when real Winter hits here in Maine - about late December but definitely sometime in January. Comes in handy for leftovers you may not want to smell up th...

Lemonaid56

Had 2.3 and now down to 1.8.
Still 2 years approx. from retirement luckily.
Its kind of disappointing as I just had a conversation w FA about being weighted heavy in equities back in Feb. Fortunately of our 70/30 AA the bonds were in our 401k's. Not as mush drop in there.

Lemonaid56

Note that you will always be considered "from away" - it doesn't matter how long you live there. :-) Very true. I was born in Massachusetts and moved to Maine at age 3. I was never a native. So far behind on this topic I didn't realize. When I moved to York , Me. in my 20's (40 years ago?...

Lemonaid56

1. What is your relationship with the FA and how are you compensating them? 2. After this downturn, you are probably closer to your desired allocation, if your close enough, maybe you don't have to do anything. 3. It is very common to have an "asset location" strategy, and have different ...

Lemonaid56

1. What is your relationship with the FA and how are you compensating them? 2. After this downturn, you are probably closer to your desired allocation, if your close enough, maybe you don't have to do anything. 3. It is very common to have an "asset location" strategy, and have different ...

Lemonaid56

What are your different account types? If they are pretax (tIRA, 401K), Roth (Roth Ira, Roth 401K), and taxable, it isn't easy to move money between those (or may be easy but a taxable event or have a withdraw clock associated with it). If you are no longer working and not adding money, you have to...

Lemonaid56

The advisor is recommending maintaining the 70/30 or 60/40 AA applying it to each account as an individual and rebalance constantly throughout the year - to me this seems like it would complicate matters more. I agree, that seems complicating, and probably more expensive (will probably cause more t...

Lemonaid56

Regarding the re-balancing question: In retirement, presumably, you won't still be adding to your accounts... Or will you? Some people have pension(s) and Social Security income that more than covers their monthly expenses. For these lucky folks, they are still savers (accumulators) even in retireme...

Lemonaid56

1. What is your relationship with the FA and how are you compensating them? 2. After this downturn, you are probably closer to your desired allocation, if your close enough, maybe you don't have to do anything. 3. It is very common to have an "asset location" strategy, and have different ...

Lemonaid56

I've been using the information on this site for a few years now and have been quite happy with everyones' advice. As we are nearing the last few years of coming to retirement phase I have maybe gotten a little apprehensive for when we reach the time we start taking money out. I understand about the...

Lemonaid56

Hopefully this is the correct place to ask. MIL lives in Texas and we are in Northeast. In-laws had a trust drawn up years ago when they lived in Fla. They sold that place and moved to San Antonio area and then FIL died recently. MIL has decided to review the will/trust as its pretty out of date now...

Lemonaid56

Thank you all for your advice and information. Got it in my head market was closed Tuesday. Only looks like $1300 worth of loss to offset $7600 gain +/-. Not going to offset much is it? Fortunately I had not bought many of the dog shares before finding Boglewisdom. Planning on just buying more share...

Lemonaid56

I've seen this topic come up before and I think I understand the the basic idea of it. I have never used this before as previous to my being aware of the Bogle Theory I was practicing buy and hold - forever. Even stocks that looks like they would never come back. This year to do some rebalancing we ...

Lemonaid56

We live a few hours north of Portland but have family down that way. Recently a relative just moved up where we are because of job opps and traffic in Scarborough area. Sister lives in back bay area. They like it, but again the traffic is the big complaint ; and the taxes. Plenty to do and see in th...

Lemonaid56

I like Fido.
Fast loading of the website. Has all the info and research I need.
Never tried Schwab but compared to many sites I have used Fido seems the most reliable to me.
Everyone will have an opinion.

Lemonaid56

As a 22 year veteran of Verizon/Bell Atlantic/NYNEX I can tell you all the posts that recommend checking dial tone at the Demarc/Network Interface is the best way for the Henry Homeowner to determine which direction the problem goes - inside or back to the pole. Any wiring from the Demarc headed tow...

Lemonaid56

Had never heard of the BogleTheory back then. What I did understand is that if I sold any of my mutual funds I would be selling them below what I had paid for them.
I sold nothing and it all came back plus some after about a year.

Lemonaid56

We have a small amount of money that I had invested previous to finding this excellent group of advisers here. Using a previous formula, I bought and held about eight different stocks for companies I thought I had researched enough. A few have done ok, one very good but not enough to offset the dogs...

Lemonaid56

We leave ours on 24/7 unless we are leaving for a day or more. Otherwise I find we both use it through out the whole day for various reasons, even late at night if I can't get back to sleep. Drain on electric bill is minimal I think comparing it with our other appliances and such. Its a new desktop ...

Lemonaid56

Sorry to learn of your injury. So Our company just setup a new record keeper, TROWE Price. IT seems that my company set a cap of 50% for contribution limits? Unfortunately at my pay level this will not even get me to the 19K limit let alone allow me to make up catch up contributions. Price says thi...

Lemonaid56

Sorry to learn of your injury. So Our company just setup a new record keeper, TROWE Price. IT seems that my company set a cap of 50% for contribution limits? Unfortunately at my pay level this will not even get me to the 19K limit let alone allow me to make up catch up contributions. Price says thi...

Lemonaid56

Since you wouldn't get to the maximum amount, I doubt you are a Highly Compensated Employee. Considering that, I don't see a benefit to the company capping your deferral rate at 50%. The only times I've really seen this is plans from over 20 years ago when it could've possibly mattered. Is there po...

Lemonaid56

If you can contribute 50% of your income, and 50% won't get you to 19K, then you are making less than 38K? You said you would otherwise be eligible for catch-up contributions on the 401k, so you are probably eligible for IRA catch-up contributions too? Throw $7000 into a traditional IRA. If you are...

Lemonaid56

So Our company just setup a new record keeper, TROWE Price. IT seems that my company set a cap of 50% for contribution limits? Unfortunately at my pay level this will not even get me to the 19K limit let alone allow me to make up catch up contributions. Price says this is the deal the company cut wi...

Lemonaid56

So our company switched from Transamerica to Trowe Price. We just came out of the blackout period Friday so I am looking over the selections they just dumped me in. They did get me into Vinix which was far better than our last offering. For international they put me in two different funds for some r...

Lemonaid56

Not sure if I'd call it tanking but we have gone backwards some. Not enough to wipe out our gains for the year. Lost about $130k between taxable and 401ks. AA of 70-30%. Fortunately we're still about 5 years away from retirement and would rather have this happen before than in retirement. I tend to ...

Lemonaid56

I am looking for an alarm clock that I can Bluetooth link to my cell for sound and will display outdoor temperature. And maybe charge my cell also. Anyone have any experience with that? Searched Amazon and Walmart but the few clocks they offer with those features look cheap, maybe some unheard of As...

Lemonaid56

I feel your pain. Certainly a stress test for us. The last two weeks we've gone back and forth but are down to about a 60K loss in taxable accounts. Less in the 401k's as they are more weighted in bonds. Staying the course but feeling light headed. I feel like after elections this will balance back ...

Lemonaid56

So the DW has been listening to this person on the radio and had some questions about their methods. He is a subscriber to the Coach Pete D'arruda method. I was curious from podcasts I heard about what this "income stream" in retirement they kept mentioning but they never stated what this ...

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