Search found 189 matches

by Lemonaid56
Thu Dec 10, 2020 10:38 am
Forum: Personal Investments
Topic: Question about in-service rollovers...
Replies: 15
Views: 914

Re: Question about in-service rollovers...

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...
by Lemonaid56
Tue Dec 08, 2020 10:30 pm
Forum: Personal Investments
Topic: Question about in-service rollovers...
Replies: 15
Views: 914

Re: Question about in-service rollovers...

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...
by Lemonaid56
Mon Dec 07, 2020 1:58 pm
Forum: Personal Investments
Topic: Question about in-service rollovers...
Replies: 15
Views: 914

Re: Question about in-service rollovers...

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...
by Lemonaid56
Mon Dec 07, 2020 1:48 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 33021

Re: How much you lost/gain since Feb 20,2020 ?

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...
by Lemonaid56
Mon Dec 07, 2020 1:38 pm
Forum: Personal Investments
Topic: Question about in-service rollovers...
Replies: 15
Views: 914

Question about in-service rollovers...

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...
by Lemonaid56
Wed Nov 04, 2020 8:35 am
Forum: Personal Investments
Topic: A question about my pension statement...
Replies: 14
Views: 1298

A question about my pension statement...

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...
by Lemonaid56
Mon Oct 26, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: Battery powered generators?
Replies: 116
Views: 7475

Re: Battery powered generators?

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...
by Lemonaid56
Tue Sep 22, 2020 9:08 am
Forum: Personal Investments
Topic: Buying bonds in taxable not good idea?
Replies: 6
Views: 650

Re: Buying bonds in taxable not good idea?

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...
by Lemonaid56
Tue Sep 22, 2020 8:17 am
Forum: Personal Investments
Topic: Buying bonds in taxable not good idea?
Replies: 6
Views: 650

Buying bonds in taxable not good idea?

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 ...
by Lemonaid56
Mon Sep 14, 2020 2:18 pm
Forum: Personal Consumer Issues
Topic: Coin and stamp values online?
Replies: 17
Views: 1096

Re: Coin and stamp values online?

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.
by Lemonaid56
Mon Sep 14, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: what do others pay for umbrella insurance, and is it needed?
Replies: 58
Views: 4866

Re: what do others pay for umbrella insurance, and is it needed?

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 ...
by Lemonaid56
Mon Sep 14, 2020 10:27 am
Forum: Personal Consumer Issues
Topic: Coin and stamp values online?
Replies: 17
Views: 1096

Re: Coin and stamp values online?

Yes so sorry. I'm old . Its what they used to be referred to as.
Native American Busts.
by Lemonaid56
Mon Sep 14, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: Coin and stamp values online?
Replies: 17
Views: 1096

Coin and stamp values online?

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...
by Lemonaid56
Wed Sep 02, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: How much to take down this tree?
Replies: 68
Views: 5606

Re: How much to take down this tree?

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...
by Lemonaid56
Sun Aug 23, 2020 1:09 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 33021

Re: How much you lost/gain since Feb 20,2020 ?

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...
by Lemonaid56
Mon Apr 06, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: GOOD RX...What Is It?
Replies: 37
Views: 3157

Re: GOOD RX...What Is It?

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.
by Lemonaid56
Mon Apr 06, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: Gas stabilizer and Covid 19
Replies: 34
Views: 2905

Re: Gas stabilizer and Covid 19

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...
by Lemonaid56
Fri Mar 20, 2020 3:46 pm
Forum: Personal Investments
Topic: Bonds or Stocks?
Replies: 10
Views: 697

Re: Bonds or Stocks?

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...
by Lemonaid56
Fri Mar 20, 2020 2:49 pm
Forum: Personal Investments
Topic: Bonds or Stocks?
Replies: 10
Views: 697

Re: Bonds or Stocks?

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...
by Lemonaid56
Fri Mar 20, 2020 12:28 pm
Forum: Personal Investments
Topic: Bonds or Stocks?
Replies: 10
Views: 697

Re: Bonds or Stocks?

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...
by Lemonaid56
Fri Mar 20, 2020 10:50 am
Forum: Personal Investments
Topic: Bonds or Stocks?
Replies: 10
Views: 697

Bonds or Stocks?

New money getting to drop in MM account.
FSKAX or FXNAX ? Which is a better but in your mind?
by Lemonaid56
Wed Mar 18, 2020 5:48 pm
Forum: Personal Consumer Issues
Topic: Get a 2nd Refrigerator for Home, and put in garage - Good idea?
Replies: 88
Views: 5328

Re: Get a 2nd Refrigerator for Home, and put in garage - Good idea?

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...
by Lemonaid56
Tue Mar 17, 2020 11:23 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 33021

Re: How much you lost/gain since Feb 20,2020 ?

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.
by Lemonaid56
Sun Mar 01, 2020 6:14 pm
Forum: Personal Consumer Issues
Topic: Retire or relocate to Portland, Maine
Replies: 34
Views: 6303

Re: Retire or relocate to Portland, Maine

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?...
by Lemonaid56
Fri Feb 28, 2020 11:49 am
Forum: Personal Investments
Topic: Recent talks with an FA
Replies: 14
Views: 1674

Re: Recent talks with an FA

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 ...
by Lemonaid56
Fri Feb 28, 2020 11:45 am
Forum: Personal Investments
Topic: Recent talks with an FA
Replies: 14
Views: 1674

Re: Recent talks with an FA

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 ...
by Lemonaid56
Fri Feb 28, 2020 8:36 am
Forum: Personal Investments
Topic: Recent talks with an FA
Replies: 14
Views: 1674

Re: Recent talks with an FA

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...
by Lemonaid56
Fri Feb 28, 2020 7:58 am
Forum: Personal Investments
Topic: Recent talks with an FA
Replies: 14
Views: 1674

Re: Recent talks with an FA

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...
by Lemonaid56
Fri Feb 28, 2020 7:51 am
Forum: Personal Investments
Topic: Recent talks with an FA
Replies: 14
Views: 1674

Re: Recent talks with an FA

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...
by Lemonaid56
Fri Feb 28, 2020 7:48 am
Forum: Personal Investments
Topic: Recent talks with an FA
Replies: 14
Views: 1674

Re: Recent talks with an FA

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 ...
by Lemonaid56
Thu Feb 27, 2020 3:49 pm
Forum: Personal Investments
Topic: Recent talks with an FA
Replies: 14
Views: 1674

Recent talks with an FA

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...
by Lemonaid56
Tue Jan 14, 2020 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to find an estate planner...
Replies: 13
Views: 1335

How to find an estate planner...

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...
by Lemonaid56
Sun Dec 29, 2019 11:58 am
Forum: Personal Investments
Topic: Loss Harvesting...
Replies: 5
Views: 507

Re: Loss Harvesting...

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...
by Lemonaid56
Sat Dec 28, 2019 10:11 pm
Forum: Personal Investments
Topic: Loss Harvesting...
Replies: 5
Views: 507

Loss Harvesting...

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 ...
by Lemonaid56
Tue Jul 16, 2019 6:10 am
Forum: Personal Consumer Issues
Topic: Retire or relocate to Portland, Maine
Replies: 34
Views: 6303

Re: Retire or relocate to Portland, Maine

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...
by Lemonaid56
Thu Jul 04, 2019 4:56 pm
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund and additional questions]
Replies: 65
Views: 3344

Re: which is better schwab or fedelity

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.
by Lemonaid56
Sun Mar 24, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: ATT - "Inside Wire Repair"
Replies: 19
Views: 2308

Re: ATT - "Inside Wire Repair"

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...
by Lemonaid56
Fri Mar 01, 2019 12:27 pm
Forum: Personal Investments
Topic: What did wise people do with their investments in 2008
Replies: 101
Views: 9018

Re: What did wise people do with their investments in 2008

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.
by Lemonaid56
Mon Feb 04, 2019 5:19 pm
Forum: Personal Investments
Topic: Besides your core.. anyone also hold a play account?
Replies: 61
Views: 3834

Re: Besides your core.. anyone also hold a play account?

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...
by Lemonaid56
Sun Jan 27, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer (home): Do you leave it "On" or turn "off" after using?
Replies: 77
Views: 5460

Re: Desktop Computer (home): Do you leave it "On" or turn "off" after using?

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 ...
by Lemonaid56
Wed Jan 23, 2019 4:05 pm
Forum: Personal Investments
Topic: 401k Contribution question...
Replies: 13
Views: 1078

Re: 401k Contribution question...

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...
by Lemonaid56
Wed Jan 23, 2019 10:05 am
Forum: Personal Investments
Topic: 401k Contribution question...
Replies: 13
Views: 1078

Re: 401k Contribution question...

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...
by Lemonaid56
Tue Jan 22, 2019 5:05 pm
Forum: Personal Investments
Topic: 401k Contribution question...
Replies: 13
Views: 1078

Re: 401k Contribution question...

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...
by Lemonaid56
Tue Jan 22, 2019 5:04 pm
Forum: Personal Investments
Topic: 401k Contribution question...
Replies: 13
Views: 1078

Re: 401k Contribution question...

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...
by Lemonaid56
Tue Jan 22, 2019 12:26 pm
Forum: Personal Investments
Topic: 401k Contribution question...
Replies: 13
Views: 1078

401k Contribution question...

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...
by Lemonaid56
Mon Jan 21, 2019 10:05 am
Forum: Personal Investments
Topic: New 401k company, new fund choices?
Replies: 2
Views: 300

New 401k company, new fund choices?

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...
by Lemonaid56
Fri Dec 21, 2018 4:33 pm
Forum: Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 14491

Re: Is anyone's portfolio not tanking???

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 ...
by Lemonaid56
Wed Nov 07, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Bluetooth alarm clock with temperature?
Replies: 3
Views: 637

Bluetooth alarm clock with temperature?

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...
by Lemonaid56
Fri Oct 26, 2018 7:55 pm
Forum: Personal Investments
Topic: Nervous about staying the course
Replies: 33
Views: 4472

Re: Nervous about staying the course

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 ...
by Lemonaid56
Fri Oct 19, 2018 6:11 pm
Forum: Personal Investments
Topic: Met with an FA today.
Replies: 12
Views: 2909

Met with an FA today.

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 ...