Search found 1741 matches

by retiringwhen
Thu Jul 30, 2020 12:44 pm
Forum: Personal Investments
Topic: What to do with cash
Replies: 28
Views: 3410

Re: What to do with cash

Look at Ally Bank No Penalty CD's they are 11 mo. CDs with currently .0.95% APY and there is no penalty for early withdrawal after 6 days. About as close to a free lunch you can get right now. Locks in a rate for almost a year and also easily accessible. They also have just a normal savings @ 1.0% b...
by retiringwhen
Thu Jul 30, 2020 6:03 am
Forum: Personal Investments
Topic: I don't need to do anything if I trade within my 401K right?
Replies: 2
Views: 496

Re: I don't need to do anything if I trade within my 401K right?

I was originally on a fidelity freedom target date fund for my current work 401K that had too high of an expense ratio for my taste. You guys helped me realize I could just change my future contributions to a cheaper s&p index fund instead. It's been great so far! I still have the prior target date...
by retiringwhen
Wed Jul 29, 2020 9:56 am
Forum: Personal Consumer Issues
Topic: Need to destroy old external Hard Drives
Replies: 103
Views: 5449

Re: Need to destroy old external Hard Drives

A .30-06 right in the middle does the job and is a lot more fun than a sledgehammer.
by retiringwhen
Sun Jul 26, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960
Replies: 89
Views: 6861

Re: What the Heck, Reduced SS Benefits For Boomers Born In 1960 due to COVID

Doesn't this happen every time we have a recession? It's happened only once so far (since 1950), in 2009. That was a 1.5% decrease. https://www.ssa.gov/oact/cola/AWI.html Ahh, looking at the numbers I realized the AWI is calculated as nominal, in years like 1982 where there was significant job loss...
by retiringwhen
Sun Jul 26, 2020 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960
Replies: 89
Views: 6861

Re: What the Heck, Reduced SS Benefits For Boomers Born In 1960 due to COVID

Doesn't this happen every time we have a recession? Why is this time different? If the AWI is calculated based upon the total national payroll divided by the # of earners. Any time we have a dip in payroll this same thing happens. Unless a jobs recession last through a full 12 mos. (and keeps the # ...
by retiringwhen
Tue Jul 21, 2020 10:08 am
Forum: Personal Investments
Topic: Vanguard VUSXX
Replies: 11
Views: 1343

Re: Vanguard VUSXX

I have been happily using Short-Term Investment-Grade (VFSUX) for all "cash" for more than a decade. Yes, it has volatility. There was a worldwide-economic-apocalypse dip in 2008, and COVID dip in 2020, but in both cases never fell below what I would have had in a money market anyway. *The future i...
by retiringwhen
Sat Jul 18, 2020 10:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard broker-dealer summary form
Replies: 10
Views: 748

Re: Vanguard broker-dealer summary form

This disclosure is the annual disclosure they are required to send by law (or at least the SEC). AFAIK, there is no change since last year and no change since they moved to commission-free non-Vanguard ETFs....... Nothing to worry about unless you are new to Vanguard and weren't aware of their vario...
by retiringwhen
Fri Jul 17, 2020 11:01 am
Forum: Personal Investments
Topic: Vanguard VUSXX
Replies: 11
Views: 1343

Re: Vanguard VUSXX

I've been steadily transferring funds from Vanguard MM funds including Treasury to Ally No Penalty CD's. They are 11 mo. CDs, locks in a rate for that period but you can withdraw anytime after 6 days. It is pretty close to a free lunch. I am laddering them a bit for when they rollover since I have n...
by retiringwhen
Thu Jul 16, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 200
Views: 14043

Re: Oddly Difficult to Find Items During the Pandemic

kayaks of any sort are very hard to come by. I bought one in early May and the seller was concerned about business as we were still on full lock down. I wanted to buy a second one in mid-June, he just laughed and told me that he sold his entire inventory (usually lasts the summer) by Memorial Day an...
by retiringwhen
Wed Jul 15, 2020 10:41 am
Forum: Investing - Theory, News & General
Topic: [Vanguard partners with Infosys for Defined Contribution recordkeeping]
Replies: 260
Views: 16114

Re: Vanguard laying off 1300 employees as part of outsourcing deal with Infosys

To 401k users this affects, I think it’s even less a worry since it really is out of their hands now. I actually feel the opposite (45% of my net worth resided in a Vanguard 401K). I am about to fire of some questions to my MegaCorp Retirements Plans Staff to find out of they are up to speed on thi...
by retiringwhen
Wed Jul 15, 2020 10:02 am
Forum: Investing - Theory, News & General
Topic: [Vanguard partners with Infosys for Defined Contribution recordkeeping]
Replies: 260
Views: 16114

Re: Vanguard laying off 1300 employees as part of outsourcing deal with Infosys

To take this even further, if investors don’t like this move, take your business to one of the other seemingly-fine brokerages. This is not an option for the direct participants of Vanguard 401(K) plans. Their administrator (read = Employer) is the only entity that can make the choice to move a 401...
by retiringwhen
Wed Jul 15, 2020 9:34 am
Forum: Investing - Theory, News & General
Topic: [Vanguard partners with Infosys for Defined Contribution recordkeeping]
Replies: 260
Views: 16114

Re: Vanguard laying off 1300 employees as part of outsourcing deal with Infosys

It gets worse.... From the Vanguard Institutional Investors Site: Plan sponsors will continue working with Vanguard's relationship management teams and strategic consulting experts to optimize plan design and participant engagement. They will also retain access to our innovative advice and wellness ...
by retiringwhen
Wed Jul 15, 2020 9:14 am
Forum: Investing - Theory, News & General
Topic: [Vanguard partners with Infosys for Defined Contribution recordkeeping]
Replies: 260
Views: 16114

Re: Vanguard laying off 1300 employees as part of outsourcing deal with Infosys

I did a bit of reading on the Infosys Site. Here are two links to the overall organization that provides the DC Plan support services: Infosys McCamish: https://www.infosysbpm.com/mccamish/solutions/retirement/ Infosys BPM (the overall outsourcing outfit): https://www.infosysbpm.com/offerings/functi...
by retiringwhen
Wed Jul 15, 2020 8:54 am
Forum: Investing - Theory, News & General
Topic: [Vanguard partners with Infosys for Defined Contribution recordkeeping]
Replies: 260
Views: 16114

Re: Vanguard laying off 1300 employees as part of outsourcing deal with Infosys

I'm not happy about this, both because of my general feelings about outsourcing and because it contributes to a general impression I am getting of "turmoil at Vanguard." And concerns that the turmoil may indicate business problems of some kind. Some other examples of that turmoil include switching ...
by retiringwhen
Mon Jul 06, 2020 10:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard foreign stock Fund behavior if USD drops 50 percent
Replies: 3
Views: 550

Re: Vanguard foreign stock Fund behavior if USD drops 50 percent

Yup, and this is why folks often get bamboozled about US vs. ex-US Stocks investments. A very large part (most?) of the cyclical performance divergence can be explained by exchange rates and the evolution over time.......
by retiringwhen
Thu Jul 02, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: Spiked Seltzers?
Replies: 46
Views: 3306

Re: Spiked Seltzers?

Wife likes only the Mango from White Claw.... Funny how that works, everyone hates the Mango at our place..... The others are tolerated by someone... Black Cherry being the most requested. I once read an article about how preferences like this work. They have amazing geographical and income-level r...
by retiringwhen
Thu Jul 02, 2020 3:44 pm
Forum: Personal Investments
Topic: Safe withdrawal rate and portfolio growth
Replies: 11
Views: 852

Re: Safe withdrawal rate and portfolio growth

Thank you for the replies so far, but they're really not getting to my question re: likely portfolio growth over the retirement period given a flexible range of withdrawal between 3 and 5%/year. Whatever withdrawal method you use and stay close to that range, I would expect the portfolio to continu...
by retiringwhen
Tue Jun 30, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: Your best Charity suggestion Please!
Replies: 22
Views: 735

Re: Your best Charity suggestion Please!

I've been doing a lot of research on best charities. I've explored search engines and charity ratings databases. I've found the big name major charities that are essentially money mills and lesser knowns that have little actual impact. I'm just not interested in those! Could you help me by recommen...
by retiringwhen
Fri Jun 26, 2020 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Father sort of scammed, anything else to do?
Replies: 19
Views: 2836

Re: Father sort of scammed, anything else to do?

Believe it or not, it's a rather rampant problem and happens to PC and Mac users alike. Ditto on smart phones with all of the phishing attempts. And not just to those older users, as it happens to plenty of younger users as well. I am a very aware guy of all things Cyber (its has been a core part o...
by retiringwhen
Fri Jun 19, 2020 8:16 pm
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 105
Views: 11107

Re: Should I sell my stash of dental floss now worth $3,000?

nedsaid wrote:
Thu Jun 18, 2020 4:12 am
Oh man. 2020 has been a weird year. Covid-19, a bear market, a very short depression, the murder hornets, riots, the killer asteroid in 2029, those lizards in Georgia, a toilet paper crisis, and now a bubble in the dental floss market.
You forgot the Tiger King!
by retiringwhen
Thu Jun 11, 2020 1:53 pm
Forum: Personal Investments
Topic: Thoughts on today's sell-off?
Replies: 194
Views: 16299

Re: Thoughts on today's sell-off?

Amazingly as of 2:50PM EDT, this is NOT a livesoft RBD since todays sell-off is not worse than the 4th worst sell-off in the last 150 days....

March 18th had a -5.47% sell off for VOO (500 index fund), and we are currently at: -5.13%

RBD Alerts
by retiringwhen
Mon Jun 08, 2020 7:55 am
Forum: Personal Consumer Issues
Topic: Cumulative Rainfall Reference?
Replies: 13
Views: 802

Re: Cumulative Rainfall Reference?

Here is the link I use for NJ: https://www.weather.gov/marfc/NJPrecipitationYTD I believe they exist for other states and regions as well. The old tabular version was bit-bucketed a couple years ago, sigh. But this still does the job if you are will to look at graphics.
by retiringwhen
Fri May 29, 2020 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Two accountants disagree - Bogleheads for the tiebreaker
Replies: 64
Views: 3989

Re: Two accountants disagree - Bogleheads for the tiebreaker

Thanks, Mark. I've been surprised everyone has just been assuming this is acceptable. OP, the tax code prevents the assignment of income to whomever you please. Gill I am no expert, but it would seem like a real estate partnership where both are active, it would be possible to execute a legal schem...
by retiringwhen
Fri May 29, 2020 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Two accountants disagree - Bogleheads for the tiebreaker
Replies: 64
Views: 3989

Re: Two accountants disagree - Bogleheads for the tiebreaker

Alternate years who gets the most income, so they both pay FICA each year to get SS credits, but each hit the limit every other year. Say 95% income to wife first year, 5% to husband. Or some other ratio (maybe even 50:50 LOL!) If they do 90/10 (or whatever) split while swapping each year, the pair...
by retiringwhen
Tue May 26, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Sister died without will in NJ; trying to help nephews
Replies: 8
Views: 1763

Re: Sister died without will in NJ; trying to help nephews

bsteiner +1 !

OP, he knows his stuff both Estates and NJ, you can bank in his info!
by retiringwhen
Tue May 26, 2020 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Sister died without will in NJ; trying to help nephews
Replies: 8
Views: 1763

Re: Sister died without will in NJ; trying to help nephews

Since she had no will, a request for administration (aka appoint the executor) will need to be filed with the court system The courts have the final say about who is appointed. The situation you described should make it simple for one of the nephews or possibly you to be named the executor. I would ...
by retiringwhen
Fri May 22, 2020 8:41 am
Forum: Personal Consumer Issues
Topic: ADT security - cost
Replies: 13
Views: 1408

Re: ADT security - cost

If you are DIY. Look at alarm.com based systems. They can be much cheaper and roll your system setup. They can take over old adt sensors too. Checkout suretyhome.com as an example of a full DIY. There are others too like geoarm.com, but I use surety for monitoring. I own the qolysy panel and it can ...
by retiringwhen
Thu May 21, 2020 9:43 am
Forum: Personal Consumer Issues
Topic: “Fuzzy” monitor - will moving from VGA to DVI help?
Replies: 12
Views: 615

Re: “Fuzzy” monitor - will moving from VGA to DVI help?

If you are going to upgrade. I would suggest you seriously consider buying 2 24" (or 23") monitors that are matched and set them side-by-side. I find the two surface approach more manageable for complex interactions! There are tons of good 24" monitors under $199 each, some as cheap as $100 (but the...
by retiringwhen
Wed May 20, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: “Fuzzy” monitor - will moving from VGA to DVI help?
Replies: 12
Views: 615

Re: “Fuzzy” monitor - will moving from VGA to DVI help?

9 year old monitors actually can go "fuzzy" due to a weakening of the backlighting bulb. I have a very old school LCD that is getting darker and fuzzier over time (All the settings are matched and I am using VGA, but DVI doesn't help it). So if you are using the correct matching settings on the disp...
by retiringwhen
Wed May 20, 2020 12:13 pm
Forum: Personal Investments
Topic: 401K Rollover Timing and Covid Volatility
Replies: 9
Views: 374

Re: 401K Rollover Timing and Covid Volatility

What percentage of your total investment assets are in the 401(k) vs. other IRAs, brokerage accounts, etc. If it is less than half (or really less than your fixed income allocation percentage), you could do a temporary switcheroo between bonds and stock funds in your total portfolio so that the time...
by retiringwhen
Fri May 15, 2020 8:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8849

Re: Vanguard Mutual Fund Platform EOL

I can also make some pretty educated guesses. I think there are a lot of customers who want to get end of year statements for example. It is not rocket science to create PDFs with the end of year statement. And actually Vanguard have been doing this for 20+ years on the "old" platform so how come i...
by retiringwhen
Fri May 15, 2020 3:17 pm
Forum: Investing - Theory, News & General
Topic: [Rant] Vanguard Letters
Replies: 6
Views: 1121

Re: [Rant] Vanguard Letters

Changing passwords annually does not actually increase your security. If it is causing problems, stop doing it. I don't even know where to begin with this statement so I'm just going to say, it isn't true. I believe these are true statements: Changing your own passwords periodically, decreases risk...
by retiringwhen
Fri May 15, 2020 8:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8849

Re: Vanguard Mutual Fund Platform EOL

Why is it so important to some long-time Vanguard customers to be able to automatically redirect the dividends of one fund into a different fund? Seems like a minor feature to me in the grand scheme of things. I would guess 90% of them are using it to deposit dividends in a money market besides Fed...
by retiringwhen
Fri May 15, 2020 8:34 am
Forum: Investing - Theory, News & General
Topic: [Rant] Vanguard Letters
Replies: 6
Views: 1121

Re: [Rant] Vanguard Letters

This year, in addition, I got a letter addressed to my dad but at my apartment's address. Needless to say, I haven't lived with my parents in years. It remarked that "voice verification had been shut off" for him. Called Flagship rep and he had no idea what this was about or why a letter addressed ...
by retiringwhen
Fri May 15, 2020 6:44 am
Forum: Personal Consumer Issues
Topic: Strange Ethernet Issue
Replies: 29
Views: 1617

Re: Strange Ethernet Issue

do you have a cable tester that verifies the cable continuity and the pin-outs? It could be that one of the pins is bad and eero doesn't handle it as gracefully. I have seen many cases like that in a building where we damaged RJ45 connections by using RJ11 in them..... It only shows up in certain c...
by retiringwhen
Thu May 14, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: Strange Ethernet Issue
Replies: 29
Views: 1617

Re: Strange Ethernet Issue

That’s a great story RetiredAL. You’re a much more thorough and patient person than I am. I used to say that I’ve had wireless issues dozens of times but only 1 bad cable. I actually had another bad cable a month ago, so maybe the trend is going the other way now. Patient??? My wife would have desc...
by retiringwhen
Thu May 14, 2020 3:40 pm
Forum: Personal Consumer Issues
Topic: Strange Ethernet Issue
Replies: 29
Views: 1617

Re: Strange Ethernet Issue

Nah, house was built in the 60s in a rural town outside of Boston. When we had to drill through the foundation for geothermal, the drillers couldn’t believe how thick the walls were. I love the fieldstone, but the only things it insulates against is WiFi and cellular. But, with a fire going and lig...
by retiringwhen
Thu May 14, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Strange Ethernet Issue
Replies: 29
Views: 1617

Re: Strange Ethernet Issue

@retiringwhen, our house is in the large side, not huge but very long, but what’s really challenging are the walls. We have many sections of interior walls that are 2’ thick of fieldstone. My favorite winter room is 2-4’ fieldstone all around with only one gap for entry; for obvious reasons, I call...
by retiringwhen
Thu May 14, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Husband Died and Spouse lack of knowledge.
Replies: 37
Views: 6219

Re: Husband Died and Spouse lack of knowledge.

A relation died recently, unexpected by him but not otherwise (alcoholic, diabetic, overweight...), and left his estate in a complete shambles. I resolved not to inflict a mess like that on anyone! So I now include a list of all my assets, including Entity (brokerage, bank, etc), account numbers, i...
by retiringwhen
Thu May 14, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: Strange Ethernet Issue
Replies: 29
Views: 1617

Re: Strange Ethernet Issue

do you have a cable tester that verifies the cable continuity and the pin-outs? It could be that one of the pins is bad and eero doesn't handle it as gracefully. I don’t have a cable tester. I previously had an Orbi at the LR outlet, and it handled things fine. It probably is optimistic to think it...
by retiringwhen
Thu May 14, 2020 1:50 pm
Forum: Personal Consumer Issues
Topic: Strange Ethernet Issue
Replies: 29
Views: 1617

Re: Strange Ethernet Issue

do you have a cable tester that verifies the cable continuity and the pin-outs? It could be that one of the pins is bad and eero doesn't handle it as gracefully. I have seen many cases like that in a building where we damaged RJ45 connections by using RJ11 in them..... It only shows up in certain co...
by retiringwhen
Thu May 14, 2020 10:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8849

Re: Vanguard Mutual Fund Platform EOL

BrandonBogle wrote:
Thu May 14, 2020 10:20 am
Meanwhile TD Ameritrade offers (or at least did when they set up my account over a decade ago) to have your external bank account be your settlement account. So my dividends and capital gains go straight to my checking account.
Thanks, that is good information.
by retiringwhen
Thu May 14, 2020 10:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8849

Re: Vanguard Mutual Fund Platform EOL

It is repeated for good reason. That option isn’t available to me. If I try to pick getting a check or sending to my bank account, the holdings are grayed out and cannot be changed. They are only available to check when I am set to reinvest or transfer to settlement. https://i.imgur.com/9fwVzwy.jpg...
by retiringwhen
Thu May 14, 2020 9:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8849

Re: Vanguard Mutual Fund Platform EOL

My understanding for the brokerage account is that you can have dividends reinvested, sent to your settlement fund, or sent to your outside bank account. However, I don't have a brokerage account, so I may not be exactly correct. Not that last option. My mother lost her automatic path of dividends ...
by retiringwhen
Thu May 14, 2020 9:21 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8849

Re: Vanguard Mutual Fund Platform EOL

Wonder what they'll do for the people that can't use a brokerage account due to their jobs in the financial sector? My guess is that those people will have to move their accounts elsewhere. I don't have a dog in the fight, but how do they use Fidelity or or Schwab? There must be a way and I am sure...
by retiringwhen
Thu May 14, 2020 8:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8849

Re: Vanguard Mutual Fund Platform EOL

My understanding for the brokerage account is that you can have dividends reinvested, sent to your settlement fund, or sent to your outside bank account. However, I don't have a brokerage account, so I may not be exactly correct. Not that last option. My mother lost her automatic path of dividends ...
by retiringwhen
Thu May 14, 2020 7:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8849

Re: Vanguard Mutual Fund Platform EOL

sigh. once this happens to my account i'm outta there. why would i stay with vanguard when fidelity/schwab have a better offering? I have Fidelity Mutual Funds only and their accounts work EXACTLY like Vanguard Brokerage Accounts from a fundamental perspective. For 90% of people they are identical,...
by retiringwhen
Thu May 14, 2020 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Family member returning borrowed money?
Replies: 27
Views: 3144

Re: Family member returning borrowed money?

It's not a big deal. The money laundering trigger is a CASH deposit over $10,000. A check for that amount or larger will not raise any eyebrows. I was flagged by an institution (and reported, but nothing came of it) for a bank account transfer of less than $10,000 that did not involve cash on my en...
by retiringwhen
Tue Apr 28, 2020 9:55 am
Forum: Investing - Theory, News & General
Topic: Does an active fund return converge to the market return?
Replies: 31
Views: 1103

Re: Does an active fund return converge to the market return?

Don't confuse one fund's performance for the universe of all active funds. Generally speaking, the universe of all active funds will converge in aggregate upon the market return less expenses and taxes. This is a tautology pointed out by William Sharpe (see: The Arithmetic of Active Management ) An ...
by retiringwhen
Tue Apr 28, 2020 9:04 am
Forum: Personal Investments
Topic: Why am I even saving for retirement?
Replies: 223
Views: 20328

Re: Why am I even saving for retirement?

P.S.: When I was in my 30s, I believed that too. Then, the Telecom bust changed everything. +1 This concept is all too easily dismissed by those whom have never experienced it. I spent most of my career (first half in Telecom) feeling like the Sword of Damocles was hanging over my head (when your j...