Search found 61 matches

by geospatial
Thu Oct 04, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.
Replies: 52
Views: 6548

Re: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.

Well it seems that not everybody is on this party, that's constructive http://i64.tinypic.com/jtv5zl.png Is there any ancillary information about how much of the recent outflow is from domestic equity --> international equity vs. the increasing number of Baby Boomers retiring/approaching retirement...
by geospatial
Fri Jul 27, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation for 47 yo wanting to retire in 10 years
Replies: 19
Views: 2784

Re: Allocation for 47 yo wanting to retire in 10 years

I'm not familiar enough with your 403b options to definitively say either way. But in a simple comparison of expense ratios from what the 457 offers with what I think are comparative mutual funds and ETFs from the major brokerages, I found the 457 was better. (just don't use the SMART Plan retiremen...
by geospatial
Fri Jul 27, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Allocation for 47 yo wanting to retire in 10 years
Replies: 19
Views: 2784

Re: Allocation for 47 yo wanting to retire in 10 years

Can you roll your 403b's into your 457? If I remember correctly, the expense ratios in the 457 plan are a little better than Fidelity's, and it might make account management easier to consolidate a little. Plus there's a couple of other benefits unique to 457 (i.e. it's available immediately after ...
by geospatial
Fri Jul 27, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Allocation for 47 yo wanting to retire in 10 years
Replies: 19
Views: 2784

Re: Allocation for 47 yo wanting to retire in 10 years

If you’re planning to move in retirement, you may be able to downsize and use some home equity to fund retirement. Yes, I'm hoping that will work out for me. I'm currently living/working in MA but will retire in NE. Can you roll your 403b's into your 457? If I remember correctly, the expense ratios...
by geospatial
Fri Jul 06, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.85 [Money Market Rate To 1.85% APY]
Replies: 53
Views: 6201

Re: Capital One now at 1.60 [Money Market Rate To 1.60% APY]

Had an old Orange ING account that got bought out/converted to Capital One 360 that was relatively good to me for a number of years. But recently emptied it out and shut it down. They're just not competitive anymore and all my other accounts are, plus those other accounts don't require the 10K minim...
by geospatial
Wed Jun 27, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3160

Re: Northern Bank Direct MM - 2.26% APY

Trial deposits/withdrawals hit my Ally checking account today, so I was able to complete the account setup with no glitches. Next step is for them to pull the initial $5K deposit from my Ally checking account. Since the trial deposits took one business day, I assume that will happen tomorrow. Possi...
by geospatial
Sat Jun 23, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3160

Re: Northern Bank Direct MM - 2.26% APY

Interestingly, NBD is stopping the promotional rate of 2.26% for new accounts starting from 9am on Wed 6/20. Just saw this on their homepage. personal update: I only got my new ChexSystems PIN in the mail *today*. Absurdly slow process. Just submitted the temporary freeze lift online and then learn...
by geospatial
Mon Jun 18, 2018 9:49 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter
Replies: 362
Views: 82278

Re: Master Thread for Metro Boston's Chapter

Could you add me to the distribution list and chalk me up as "tentative" for Saturday? I'll most likely have family obligations, but if they fall through I might be able to check things out. If I am able to go, I doubt I'd be able to stay for the lunch afterwards.
by geospatial
Fri Jun 15, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3160

Re: Northern Bank Direct MM - 2.26% APY

I either never got my Chex Systems PIN or misplaced it (personally I think it's the former), so I've had to request a PIN change and they only send it via snail mail. Tried to call Chex today to confirm my fax request was received... twice. But it became obvious they outsource their customer service...
by geospatial
Fri Jun 15, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 69
Views: 11527

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

The no penalty 11-month CD appears to have been bumped 30 basis points from 1.50% to 1.80% (for $25K+). This is slightly better than the 1.75% locked in at the start of the calendar year by some people too. Fine if you want to keep a large amount of cash at Ally, but 1.8% isn't that great these day...
by geospatial
Fri Jun 15, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 69
Views: 11527

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

The no penalty 11-month CD appears to have been bumped 30 basis points from 1.50% to 1.80% (for $25K+). This is slightly better than the 1.75% locked in at the start of the calendar year by some people too.
by geospatial
Thu Jun 14, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3160

Re: Northern Bank Direct MM - 2.26% APY

Update: I received a form letter email today stating the following... Hello, Unfortunately at this time we will not be able to process your application. We will be sending a letter in the mail with further information on this matter. Thank you, I emailed back to see if I could get clarification soon...
by geospatial
Wed Jun 13, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 14402

Re: Best Advice You Never Took

"Put on some more sunscreen/wear a hat or you're gonna get burned." I listen more now, but not often enough.

Also had a friend offering to let me buy some Red Hat IPO shares at the opening price. I didn't trust it. He sold at the end of the day and tripled his investment.
by geospatial
Wed Jun 13, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3160

Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)

https://www.depositaccounts.com/banks/northern-bank-direct/offers/ Interest rate is guaranteed through June of next year. Minimum opening contribution = $5000. Max of $250,000. The comments are useful to gauge individual's experiences opening up an account and a discussion of the various fees. I jus...
by geospatial
Fri Jun 08, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: SCHB vs. SWTSX
Replies: 8
Views: 2073

Re: SCHB vs. SWTSX

Thanks for the feedback. I ended up doing a bit in both in the last half hour so I could get a feel for the process and see how the transactions are conducted. It will be a learning experience. And now that a few months have passed, what have you learned from your experience? If you could only have...
by geospatial
Tue May 29, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: looking for lowest cruise ship price site
Replies: 11
Views: 1757

Re: looking for lowest cruise ship price site

We were recommended this site, used them and were very satisfied. http://www.crucon.com/ Plus 1 on Crucon. We've booked 15 cruises through them and have always been satisfied. Keep in mind that the price is important but so are the perks offered. The agencies giving you rock bottom pricing won't gi...
by geospatial
Sat May 26, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 118
Views: 11006

Re: US T bills - first time user

Seemed like a strange calculation to me, too. But it works out, apply federal and state taxes to the 2.51% and fed only to 2.29% and you end up with the same after tax amount. I believe it is because you are paying federal taxes on the portion of the fully taxable gains that goes to state taxes. Wh...
by geospatial
Sat May 26, 2018 6:39 am
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 118
Views: 11006

Re: US T bills - first time user

Thanks again Kevin. As the final chapter to this, what yield would I actually earn on this transaction? Using my numbers (even though it is now a hypothetical example), on 5/31/2019 I will have effectively received 3 coupon payments of $75 + $10K return of principal equals $10,225. I paid out $9995...
by geospatial
Fri May 25, 2018 1:40 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 118
Views: 11006

Re: US T bills - first time user

Thanks again Kevin. As the final chapter to this, what yield would I actually earn on this transaction? Using my numbers (even though it is now a hypothetical example), on 5/31/2019 I will have effectively received 3 coupon payments of $75 + $10K return of principal equals $10,225. I paid out $9995...
by geospatial
Fri May 18, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: How does the process work for getting back funds from a Roth?
Replies: 9
Views: 873

Re: How does the process work for getting back funds from a Roth?

plan to keep our emergency fund in various Roth accounts (401k, 403b, Roth IRA). The only accounts that you could withdraw the CONTRIBUTIONS (that too after a min 5 year rule) from the above, WITHOUT A PENALTY is a Roth IRA. You need to pay a penalty on a Roth 401k and I assume the same applies to ...
by geospatial
Tue May 08, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Calculating Asset Fees...
Replies: 13
Views: 882

Re: Calculating Asset Fees...

It is governmental. And now that I know what the administrative fee is, I want to make sure it's reasonable or at least competitive with industry standards. I just can't easily find administrative fees for other entities. They have been having a lot of website problems lately, though a non-boglehead...
by geospatial
Mon May 07, 2018 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating Asset Fees...
Replies: 13
Views: 882

Re: Calculating Asset Fees...

Finally I found a document from over 2 years ago and then a more recent corroborating one that says (in tiny print of course) an annual administrative fee of .0775% of the account balance is charged on a monthly basis. This is effectively 1%/year. That is steep. Are you sure there is not a limit to...
by geospatial
Mon May 07, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating Asset Fees...
Replies: 13
Views: 882

Re: Calculating Asset Fees...

Thanks for the responses so far. For some reason I always thought the expense ratio was incorporated into these monthly asset fees, but I guess that might be *too* transparent for the more egregious offenders. Would be nice if all costs were just explicitly reported in one place. Anyway, I've been d...
by geospatial
Mon May 07, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating Asset Fees...
Replies: 13
Views: 882

Calculating Asset Fees...

All, I've been looking at my monthly/quarterly statements of my 457b plan and want to make sure there aren't any hidden fees or that they aren't making a gross mistake in the asset fees they have been charging. So just to get my ducks in a row, I'd like to make sure I understand the calculation invo...
by geospatial
Wed May 02, 2018 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway B
Replies: 65
Views: 7057

Re: Berkshire Hathaway B

(Stupid question?) If I’ve mutual funds of total stock market (like VTSAX), does it also mean I have Berkshire H shares? Asking mostly, if I can use this logic to get some Geico discount :D that's not a stupid question at all. I have Geico and VTSAX (but no BRK.B) and was thinking of asking Geico m...
by geospatial
Fri Apr 20, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 104
Views: 21273

Re: Ally Bank No penalty CD for parking cash, is there a catch?

Can someone explain how the gross expense ratio and/or net expense ratio affects the yield (both 7-day and TEY) of a muni money market fund? Is it already accounted for in those reported numbers? I'm still trying to wrap my head around the math involved in comparing CDs vs. MMMFs. If it helps to get...
by geospatial
Tue Apr 10, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Employer fund options or broker instead?
Replies: 4
Views: 395

Re: Employer fund options or broker instead?

I believe the fund options and expense ratios for the index funds are competitive with the big brokers out there (Vanguard, Fidelity, Schwab, etc...) but would like confirmation based on others' experience/knowledge You have some excellent low-cost options. The primary ones are: Large Company Stock...
by geospatial
Mon Apr 09, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Employer fund options or broker instead?
Replies: 4
Views: 395

Employer fund options or broker instead?

I have access to a 457 plan through employer and have been taking advantage of it. I believe the fund options and expense ratios for the index funds are competitive with the big brokers out there (Vanguard, Fidelity, Schwab, etc...) but would like confirmation based on others' experience/knowledge, ...
by geospatial
Wed Apr 04, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7364
Views: 1546326

Re: U.S. stocks in freefall

Christine600 wrote:
Wed Apr 04, 2018 11:45 am
But by all means - if the US think Norway is a dangerous country they probably should take some measures. :mrgreen:
Your winter Olympians are a global threat that must be stopped at all costs.

:sharebeer
by geospatial
Fri Mar 30, 2018 7:32 am
Forum: Personal Finance (Not Investing)
Topic: CIT Bank money market acct + no penalty CD
Replies: 2
Views: 571

CIT Bank money market acct + no penalty CD

Currently CIT bank (not CITI) has a money market interest rate of 1.75% and an 11-month no EW penalty CD at 1.85%. This is better than Ally at the moment, where I already have an account. So I'm considering shifting some of my cash holdings there. But before doing so, I'm interested in hearing bogle...
by geospatial
Sat Mar 24, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Any Recent investors here?
Replies: 43
Views: 3329

Re: Any Recent investors here?

If the market goes south for a month, a few months, a year, a couple of years, as long as your timeframe is still long-term, every purchase you make while the market is lower is at a discount. You get to buy equities cheaper. For sake of argument, consider two scenarios... 1. You plan on investing f...
by geospatial
Tue Feb 27, 2018 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Quick bond pricing + effective duration question
Replies: 9
Views: 1042

Re: Quick bond pricing + effective duration question

Can someone quickly show how the $101 and $99.25 values for P(1) and P(2) were calculated? Hmm. No, not without years to maturity and payments per year. Perhaps they have been omitted for this theoretical exercise, and you're just supposed to take the results... at face value. (Sorry about the pun....
by geospatial
Tue Feb 27, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Quick bond pricing + effective duration question
Replies: 9
Views: 1042

Quick bond pricing + effective duration question

I read this article: https://www.investopedia.com/terms/e/effectiveduration.asp This is the example given... The formula for effective duration contains four variables. They are: P(0) = the bond's original price per $100 worth of par value P(1) = the price of the bond if the yield were to decrease b...
by geospatial
Sun Feb 18, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: To buy or not to buy in Boston for Investment
Replies: 18
Views: 1882

Re: To buy or not to buy in Boston for Investment

Can you elaborate on what you mean by "Boston north end"? Do you specifically mean Boston's North End neighborhood or just in the northern part of the Boston metro area? If you mean the North End neighborhood, that place is incredibly densely developed already... I don't know how they have any room ...
by geospatial
Thu Feb 08, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: SCHB vs. SWTSX
Replies: 8
Views: 2073

Re: SCHB vs. SWTSX

Thanks for the feedback. I ended up doing a bit in both in the last half hour so I could get a feel for the process and see how the transactions are conducted. It will be a learning experience.
by geospatial
Thu Feb 08, 2018 7:14 am
Forum: Investing - Help with Personal Investments
Topic: SCHB vs. SWTSX
Replies: 8
Views: 2073

SCHB vs. SWTSX

SCHB is the Schwab ETF for US Broad Market and SWTSX is the Schwab mutual fund for US Total Market, so I think the mutual fund has a little more exposure to small caps, but from a market cap perspective I think they're similar. Both have an ER of 0.03%. If held in a Roth, the tax implications of ETF...
by geospatial
Wed Feb 07, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 182
Views: 28303

Re: Torn between Vanguard, Fidelity and Schwab

Even though I'm not the OP, I ended up opening a Roth IRA with Schwab this week based on the feedback in this thread (thanks BH's!) and it should be funded by tomorrow. Are there any suggestions on which mutual funds or ETFs they provide to invest in? For reference, I'm transferring $5500 from my pr...
by geospatial
Tue Feb 06, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Where would you tell a 12 year old to park his money
Replies: 32
Views: 2190

Re: Where would you tell a 12 year old to park his money

Give him 3 options... one that is conservative, one with medium risk, and one more aggressive. Explain the pros and cons of each and let him decide how much he wants to pop into each option, even if he chooses all of it in one option. But if he chooses more than one, then the next few years you can ...
by geospatial
Tue Feb 06, 2018 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 182
Views: 28303

Re: Torn between Vanguard, Fidelity and Schwab

Also been thinking about opening up an account at one of these three. Does anybody know how long it takes to open an account, transfer funds, and purchase a fund from start to finish? It looks like the application process is pretty fast... 10 to 15 minutes, but after that I don't know how long it wo...
by geospatial
Tue Jan 16, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Got raise. Taxes taking 41% of it?
Replies: 30
Views: 4252

Re: Got raise. Taxes taking 41% of it?

I remember this happening to me back in my working days, mainly the full-time working days of the 1990s. The tax rates, federal and state, were a little higher than they are now. My overall marginal tax rate was about 43% for a time. One thing I saw in your list which puzzled me: Why did the pre-ta...
by geospatial
Tue Jan 16, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Owning house in a trust?
Replies: 34
Views: 4660

Re: Owning house in a trust?

There's also a lesser known benefit to owning a house/property in a trust if you happen to work in law enforcement or similarly sensitive kinds of government positions (i.e. FBI agent). In my state at least, property records are public records as a matter of right. It's fairly easy to search local a...
by geospatial
Wed Dec 27, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 36971

Re: Ally Bank 11 month [No-Penalty CD]

FYI - saw the following note on Ally's web site with regard to the 11 month no-penalty CD today: FOR A LIMITED TIME 12/19/17 THROUGH 1/2/18 So for those of us who want to wait until 2018 (to keep the interest out of 2017 if we selected the pay interest at maturity option), we can do so and still wi...
by geospatial
Fri Sep 22, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 73
Views: 41577

Re: Is a security freeze at Innovis really needed?

If, however, I wanted to take advantage of a higher rate sooner and do an early withdrawal to open up new CD accounts at the higher rate, then I think I would have to request a temporary lift of the freeze. So, to express it in simpler terms, buying a new CD would not be possible if one has a credi...
by geospatial
Wed Sep 20, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 73
Views: 41577

Re: Is a security freeze at Innovis really needed?

I've sent a new message to the bank asking for more explicit clarification in that kind of scenario, and also asked if they can identify which specific credit reporting entities are utilized. Stay tuned...
by geospatial
Wed Sep 20, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 73
Views: 41577

Re: Is a security freeze at Innovis really needed?

As many others have done, I requested freezes at Equifax, Experian, TransUnion, and Innovis. But before doing the same with ChexSystems, I wanted to submit a question to one of my online banking accounts first. I believe many bogleheads have taken advantage of the 11-month no-early-withdrawal-penalt...
by geospatial
Mon Sep 18, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% CC or Citi double cash card?
Replies: 60
Views: 14164

Re: Fidelity 2% CC or Citi double cash card?

Just wanted to share a recent experience. I wanted to get a better rewards credit card before putting a freeze on all my scores, and after performing due diligence, decided on the Citi Double Cash. I was a little concerned that in this post-Equifax breach world they might be unrealistically cautious...
by geospatial
Fri Sep 01, 2017 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Citi DoubleCash vs. Paypal (Synchrony)
Replies: 28
Views: 6563

Re: Citi DoubleCash vs. Paypal (Synchrony)

Thanks for the feedback. I think I'm gonna go with the DoubleCash card. My own experiences with PayPal have been less than stellar and I think the extra perks from Citi provide the extra value needed to make it a fairly convincing winner.
by geospatial
Thu Aug 31, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Citi DoubleCash vs. Paypal (Synchrony)
Replies: 28
Views: 6563

Citi DoubleCash vs. Paypal (Synchrony)

I've been remiss on incorporating a better C.C. rewards program into my personal financial upgrade mission, but doing so now. My interest is in getting a 2% cash back card (I don't think I travel enough to justify any miles programs) with no annual fee, and the lesser hoops to jump through the bette...
by geospatial
Tue Aug 01, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: does solar increase the value of a house
Replies: 61
Views: 6911

Re: does solar increase the value of a house

Something else to consider is the advent of solar shingles...

https://www.tesla.com/solarroof

If these garner mass interest and adoption, existing solar panels might be considered somewhat passe and outdated in a few years.
by geospatial
Tue Jul 18, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: anybody dabble in venture capital?
Replies: 24
Views: 2640

Re: anybody dabble in venture capital?

Not really "VC" advice per se, but have you considered poking around kickstarter for something that looks interesting to you, and then following up with the entity sponsoring it to see if they'd take on a private investor? This might be more in line with the amount of :moneybag you have to play with...