Search found 30 matches

by Messy_Orchid_51
Sun May 20, 2018 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%
Replies: 26
Views: 3240

Re: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%

Thanks Kevin! Appreciate all of your posts. My tax equivalent yield for Vanguard Municipal Money Market (VMSXX) at an income tax level of 22% in 2018 and living in an income tax free state would be 1.75% so the Prime MM is a better deal at 1.86%, at least for now. Interesting, I did not know funds t...
by Messy_Orchid_51
Sun May 20, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%
Replies: 26
Views: 3240

Re: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%

Thanks for the input everybody. I decided to go ahead any make the changes to VMMXX. There was a bit of debate about the ER but it looks like this is taken into account for the SEC yield so worse case I'm ahead about $30 if I do nothing else. A good thought was to use an FDIC savings account at ~2% ...
by Messy_Orchid_51
Wed May 16, 2018 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%
Replies: 26
Views: 3240

Re: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%

reallyconfused wrote: ↑
Wed May 16, 2018 11:49 pm
Wouldn't your return be less than the Ally 1.75% CD after they deduct the expense ratio?

From what I gather the 1.87% is after the expense ratio but correct me if I am wrong here?
by Messy_Orchid_51
Wed May 16, 2018 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%
Replies: 26
Views: 3240

Ally No Penalty CD @1.75% vs VMMXX @ 1.87%

Hello, Quick question.. Would you transfer 25k from an Ally No Penalty CD @1.75% to Vanguard Prime Money Market VMMXX @ 1.87%. Obviously the rate is higher at Vanguard. From what I gather VMMXX is not FDIC insured but it is incredibly difficult to lose the value of each dollar there. My general rule...
by Messy_Orchid_51
Thu Sep 21, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 12976

Re: VG wants everyone to transfer to a brokerage account?

Hmm glad to see others facing the same dilemma.

What is the fundamental difference between the retirement account I have and a brokerage account?

There must be some disparity otherwise no reason for the conversion.
by Messy_Orchid_51
Thu Sep 21, 2017 9:38 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 12976

Email from Vanguard (transitioning to brokerage account)

Vanguard emailed me the statement below. Did anyone else get something like this? Any reason to keep my accounts as is vs allow them to transition? Thanks for the infinite collective wisdom! ________________________________________________ You'll soon receive an email from us asking you to transitio...
by Messy_Orchid_51
Fri Sep 15, 2017 1:22 am
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 3495

Re: Can not decide between washing machines

I replaced an older stack with LG front loading washer and dryer. They have performed well over the past 4 years. Front loading washers do require some extra attention. Water will collect in the door seal and promote mold growth if you fail to wipe down after each use and run a monthly cleaning cycle.
by Messy_Orchid_51
Fri Sep 15, 2017 1:14 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 12753

Re: Companies/Brands You Love?

A bit of Pacific Northwest Bias but..

Alaska Airlines
Amazon
Costco
La Croix
REI
Subaru
Verizon
by Messy_Orchid_51
Fri Sep 15, 2017 12:55 am
Forum: Personal Consumer Issues
Topic: Verify credit freeze is active?
Replies: 18
Views: 2093

Re: Verify credit freeze is active?

You can also ask one of your credit cards for a bump in your credit limit. You'll get a letter back that says they couldn't access your credit file. They'll tell you which credit bureau they use and ask you to temporarily unfreeze. _____ I have requested and been granted an increase in credit limit...
by Messy_Orchid_51
Fri Sep 15, 2017 12:40 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 30579

Re: Iphone X is $1000

My 2 cents on facial ID and fingerprint ID.. One serious concern with FaceID and any biometric security enabled device is that once the device is compromised there is no way to ever recover the security. Biometric data is not modifiable. You can't change your face or fingerprint (o.k, extreme surger...
by Messy_Orchid_51
Mon Jul 31, 2017 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone know about XSAFA?? Forced 401k switch
Replies: 11
Views: 1126

Re: Anyone know about XSAFA?? Forced 401k switch

If the change occurred without your request, the short term bond fund is likely disappearing from your 401k and the stable value fund is the closest substitute. Stable value funds can indeed be a "black box". This lack of transparency is not unusual. You may not know what is going on, but they do s...
by Messy_Orchid_51
Mon Jul 31, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone know about XSAFA?? Forced 401k switch
Replies: 11
Views: 1126

Re: Anyone know about XSAFA?? Forced 401k switch

I called and chatted with a very nice representative. The information is buried on their website under Plan and Participant Information.. FIXED RETURN INVESTMENTS Name:The Standard Stable Asset A/Cash Return: 2.35% Term: 90 Days The rate of return on 06/30/17 was 2.35%. This rate is fixed for 90 day...
by Messy_Orchid_51
Thu Jul 27, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: If you were under 30 and had $3000 to invest, what would you do?
Replies: 14
Views: 1558

Re: If you were under 30 and had $3000 to invest, what would you do?

Another thought.. Vanguard Target Retirement 2055 Fund (VFFVX). It is comprised of 4 Vanguard funds providing broad coverage, 90% stock/10% bond with a low minimum investment and reasonable fees. 1 Vanguard Total Stock Market Index Fund Investor Shares 54.0% 2 Vanguard Total International Stock Inde...
by Messy_Orchid_51
Wed Jul 26, 2017 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone know about XSAFA?? Forced 401k switch
Replies: 11
Views: 1126

Re: Anyone know about XSAFA?? Forced 401k switch

Thanks! Interesting.. I still would like to know if there is an expense ratio and what the guaranteed rate of return is. The only composition of the fund I can find listed has 0% GICs, 0% cash and 100% "other". Whatever that means? Not sure if this is a fair approximation of the VFSUX I held prior....
by Messy_Orchid_51
Wed Jul 26, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone know about XSAFA?? Forced 401k switch
Replies: 11
Views: 1126

Re: Anyone know about XSAFA?? Forced 401k switch

Thanks! Interesting.. I still would like to know if there is an expense ratio and what the guaranteed rate of return is. The only composition of the fund I can find listed has 0% GICs, 0% cash and 100% "other". Whatever that means? Not sure if this is a fair approximation of the VFSUX I held prior..
by Messy_Orchid_51
Wed Jul 26, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone know about XSAFA?? Forced 401k switch
Replies: 11
Views: 1126

Anyone know about XSAFA?? Forced 401k switch

I recently held Vanguard Short Term Investment Grade Admiral (VFSUX) ER =0.1 as my bond holding in the 401k and was very happy with that. My 401k plan mailed me a letter today saying they had converted all shares of VFSUX into a new fund called The Standard Stable Asset A. Aside from being disappoin...
by Messy_Orchid_51
Tue Apr 18, 2017 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX Versus VFIAX
Replies: 3
Views: 1727

Re: VTSAX Versus VFIAX

I think I read something where the top 10 largest funds in the S&P 500 account for a disproportionate sway of the whole index.

Sure, the total market has more companies but the with the nature of cap weighting and large, established business I suspect it's a toss up..
by Messy_Orchid_51
Tue Apr 18, 2017 10:45 pm
Forum: Investing - Theory, News & General
Topic: Real_Estate_Crowd_Funding
Replies: 13
Views: 1719

Re: Real_Estate_Crowd_Funding

Thanks White Coat Investor! Which platforms do you prefer? On the face they looks better than a say, P2P lending for personal loans where there is no recourse for defaulting (maybe with real estate you could have a lien on the property per-say?) I'm looking at deploying 4 to low 5 digit cash current...
by Messy_Orchid_51
Tue Apr 18, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: Real_Estate_Crowd_Funding
Replies: 13
Views: 1719

Real_Estate_Crowd_Funding

I heard an interesting Podcast about alternative investments including real estate crowdfunding and am curious if anyone has any experience or insight into this world? They mentioned various platforms such as GroundFloor, RealtyShares, RealtyMogul and Funding Circle etc. I'm intrigued with the idea ...
by Messy_Orchid_51
Wed Jan 04, 2017 6:53 pm
Forum: Investing - Theory, News & General
Topic: PenFed_Raises_CD_rates
Replies: 4
Views: 1577

PenFed_Raises_CD_rates

Saw this earlier today.. Term Dividend Rate APY 6 Month 0.85% 0.85%** 1 Year 1.35% 1.36% 15 Month 1.40% 1.41% 2 Year 1.50% 1.51% 3 Year 1.70% 1.71% 4-Year 1.85% 1.87% 5 Year 2.25% 2.28% 7 Year 2.35% 2.38% They have an interesting early withdrawal penalty. 2) Certificates Having a Term Greater Than S...
by Messy_Orchid_51
Wed Dec 21, 2016 10:33 am
Forum: Investing - Theory, News & General
Topic: Noob_bond_questions
Replies: 3
Views: 484

Re: Noob_bond_questions

I have an IPS. It says 75/15/10 stocks/bonds/REIT (which I consider stock) but I can adjust it each year as I get older or married or have kids etc. I'm up for evaluating adjustment. Maybe a bad IPS but they do need to be flexible. No?
by Messy_Orchid_51
Wed Dec 21, 2016 10:18 am
Forum: Investing - Theory, News & General
Topic: Noob_bond_questions
Replies: 3
Views: 484

Noob_bond_questions

Hello. Maybe a noob question but... I've seen the value of my stock index fund rise and bond index fund drop lately, approaching my rebalancing band. I understand rising interest rates will depress the value of existing bonds because who wants to pay $100 for a 2% bond when they could pay $100 for a...
by Messy_Orchid_51
Tue Aug 09, 2016 1:40 am
Forum: Investing - Help with Personal Investments
Topic: Calling all real estate gurus [condo rent vs sell]
Replies: 7
Views: 927

Re: Calling all real estate gurus [condo rent vs sell]

One thing to consider is the current state of the real estate market in the area - growth prospect, is it at the highest prices in the past few years, low inventory, slowing down, still lower than the peak from last decade, etc... How much did you pay for it I.e. Do you have a significant gain alre...
by Messy_Orchid_51
Tue Aug 09, 2016 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Calling all real estate gurus [condo rent vs sell]
Replies: 7
Views: 927

Calling all real estate gurus [condo rent vs sell]

Hello Everyone, Seems like a commonly ask question but each circumstance is different so I'll give you my scenario..There comes a time when one buys a new house and the decision to either rent or sell the previous domicile comes into question. Thanks in advance, I really appreciate the help this com...
by Messy_Orchid_51
Mon Aug 08, 2016 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on VFSUX Vanguard Short Term Investment Grade Adm
Replies: 14
Views: 3161

Re: Thoughts on VFSUX Vanguard Short Term Investment Grade Adm

Both are good. - Vanguard Short Term Investment Grade Adm (VFSUX) - Metropolitan West Total Return Bond (MWTIX) Both are good funds, but there is no need to go 50/50 here and we have no idea what the rest of your portfolio looks like, so, just pick the one you like, and good luck with your investme...
by Messy_Orchid_51
Mon Aug 08, 2016 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on VFSUX Vanguard Short Term Investment Grade Adm
Replies: 14
Views: 3161

Re: Thoughts on VFSUX Vanguard Short Term Investment Grade Adm

joe8d wrote:VFSUX is my favorite bond fund.
Thanks. Can you give a little more insight into why you like it?
by Messy_Orchid_51
Mon Aug 08, 2016 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on VFSUX Vanguard Short Term Investment Grade Adm
Replies: 14
Views: 3161

Thoughts on VFSUX Vanguard Short Term Investment Grade Adm

Long story short my 401k is changing providers.. I had a reasonable total US bond fund T. Rowe Price Enhanced Bond Index (PBDIX) ER=0.3 I cannot do a rollover to IRA during the transition otherwise would put it all into Vanguard Total Bond (VBTLX) ER=0.07 The most reasonable choices in the 401k are ...
by Messy_Orchid_51
Mon Aug 08, 2016 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: thinking ahead - should I be buying VTIAX (international) in taxable account
Replies: 10
Views: 1814

Re: thinking ahead - should I be buying VTIAX (international) in taxable account

OK, now I'm confused. Based on reading this forum, I recently bought a bunch of VTIAX in my taxable account because I thought it was better to hold international stocks in taxable rather than retirement accounts given the ability to recover some of the foreign taxes paid. Should I not have done tha...
by Messy_Orchid_51
Sun Jun 12, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra cash?
Replies: 2
Views: 646

Re: What to do with extra cash?

1. In regards to allocation..looks great you are maxing out 401k and ROTH contributions. Otherwise, a bit complicated and expensive for my taste. Consider simplifying to a 3-fund portfolio (google the Bogle wiki for it). Looks like you have some good options in the 401k. VANGUARD INST INDEX (VINIX) ...
by Messy_Orchid_51
Sun Jun 12, 2016 3:48 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 206
Views: 20370

Re: What is your overall portfolio weighted expense ratio

I calculate the dollar value of each fund multiplied by the ER. I add those amounts and divide by the total portfolio value. Ex: $50,000 in VFIAX x an ER 0.05 = $25 and $10,000 in VBTLX x an ER of 0.007 = $7. Therefore, $34/year (27+7) divided by total value of 60,000 (50,000 + 10,000) = 0.056% weig...