Search found 93 matches

by bluerafters
Sun Jun 23, 2019 7:39 pm
Forum: Personal Investments
Topic: Vanguard Ohio Tax-Exempt Money Market Fund VOHXX
Replies: 1
Views: 252

Vanguard Ohio Tax-Exempt Money Market Fund VOHXX

https://investor.vanguard.com/mutual-fu ... view/vohxx

How often does Vanguard open a "closed to new investors" fund? Why would a fund "close"? As an Ohio resident this is quite an attractive place to park an emergency fund...
by bluerafters
Sat Jun 15, 2019 9:45 am
Forum: Personal Investments
Topic: Vanguard Dividend ETF Offerings: VIG, VYM, VYMI
Replies: 7
Views: 922

Vanguard Dividend ETF Offerings: VIG, VYM, VYMI

Background: 42 in August. I contribute 25% to the company 401k (6% match). I've already fully funded my 2019 Roth ($6000). What I want is a taxable account to supplement, then ultimately take over for, my income. The time horizon I'm operating at is 20 years. Buy, DRIP, Hold, Repeat. I truly enjoy d...
by bluerafters
Wed May 29, 2019 7:12 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast stats and guests
Replies: 17
Views: 2145

Re: "Bogleheads on Investing" podcast stats and guests

Rick: Any chance of a dedicated Twitter just for the podcast? I've got your personal Twitter feed in my podcast(s) list but I'd like to see one just for the show in case I need to retweet. Not in the works at the moment. Mel has the Twitter handle @Bogleheads but doesn't use it. I'll see if he want...
by bluerafters
Tue May 28, 2019 10:54 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast stats and guests
Replies: 17
Views: 2145

Re: "Bogleheads on Investing" podcast stats and guests

Rick: Any chance of a dedicated Twitter just for the podcast? I've got your personal Twitter feed in my podcast(s) list but I'd like to see one just for the show in case I need to retweet.
by bluerafters
Wed May 22, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: Financial podcasts
Replies: 32
Views: 3646

Re: Financial podcasts

Explorer wrote:
Mon May 13, 2019 3:54 pm
Newest podcast "The Long View" from Morningstar debuted last week
Appreciate the heads up.
by bluerafters
Thu Nov 29, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 21056

Re: Bogle Sounds a Warning on Index Funds

The WSJ paywall has gotten pretty good. Now days there are several types of paywall. Cookie based paywalls often allow you to read a limited number of articles in a given time period. They track your usage based on cookies that are saved to your device in the browsers cache of cookies. Many of them...
by bluerafters
Mon Nov 26, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Financial goals for 2019 (specific)
Replies: 83
Views: 7703

Re: Financial goals for 2019 (specific)

Specifically for 2019: 20% 401k From Each Paycheck. 1st Three Paychecks In 2019 Automatically Pull $1050. (Two in January & First In February.) Fully Fund HSA With Company Match To $3500 Invested Into VIIIX. By March 1st Fully Fund Roth IRA 2019 At $6000 Into VTWSX. Watch For VTWSX Admiral Conversio...
by bluerafters
Mon Nov 19, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20543

Re: Vanguard lowering Admiral level to $3,000?

https://www.wsj.com/articles/vanguard-ratchets-up-index-fund-price-battle-1542636000 For those not behind the paywall. Starting Monday, the firm is lowering the minimums for admiral shares—a share class that costs less than regular investor classes—to $3,000 from $10,000 for 38 index mutual funds. ...
by bluerafters
Mon Nov 12, 2018 8:35 pm
Forum: Personal Investments
Topic: VGTSX/VTSAX or Just The VTWSX?
Replies: 7
Views: 1753

VGTSX/VTSAX or Just The VTWSX?

As per LadyGeek, I'm posting this in it's own thread from the The Three-Fund Portfolio thread. Her response to my post: https://www.bogleheads.org/forum/viewtopic.php?p=4210390#p4210390 The quick version is: I have a Roth that is dedicated to aggressive experimentation. I will have, in the beginning...
by bluerafters
Mon Nov 12, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2522
Views: 1611073

Re: The Three-Fund Portfolio

Listened to the third episode of the Bogleheads podcast this morning. I have a Roth IRA that I regard as my most aggressive investment. The Roth is currently sitting at $12,000-$15,000 in VTSAX depending on the market on any given day. In early January 2019 I was going to lump sum $6000 to the VGTSX...
by bluerafters
Sun Oct 21, 2018 9:59 pm
Forum: Investing - Theory, News & General
Topic: Help me understand dividends
Replies: 146
Views: 14210

Re: Help me understand dividends

Interesting. I just had a conversation at work on this very same subject. Anyone care to comment on the best Vanguard Dividend Mutual Fund?
by bluerafters
Mon Sep 24, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Tail Risk Protection
Replies: 37
Views: 4753

Help Understanding Mark Spitznagel And Tail-risk Hedging?

[Thread merged into here, see below. --admin LadyGeek] https://www.worth.com/the-goat-whisperer/ I'm enjoy reading about strategies people use in Investing. (You never know if something might be useful down the road.) I initially found Spitznagel through Taleb, whom I enjoy, but can only take in sm...
by bluerafters
Sun Sep 16, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 12645

Re: Age in Bonds - Still Recommended?

Having just read this entire thread I'm going to take a long walk and think about this. I really do love the discussions on this board. The only thing two things I know for certain is that there will be another downturn, at some point, and that I don't know enough, ever, so I have to keep learning. ...
by bluerafters
Sun Sep 16, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: 7 Great Vanguard Funds to Buy Investor Place
Replies: 0
Views: 486

7 Great Vanguard Funds to Buy Investor Place

https://investorplace.com/2018/09/7-gre ... ds-to-buy/

I was unaware of the new Vanguard Total World Bond ETF. Thought this might help someone else.
by bluerafters
Fri Jul 27, 2018 9:49 am
Forum: Personal Investments
Topic: Your age in bonds?
Replies: 57
Views: 7327

Re: Your age in bonds?

Hmmm. Food for thought.
by bluerafters
Fri Jul 27, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Help With Beneficiaries: Single, No Children, Two Siblings
Replies: 12
Views: 1378

Help With Beneficiaries: Single, No Children, Two Siblings

In case something catastrophic happens to me I would very much like to leave my assets to my family members. No children or spouse, and ,quite frankly, I never will, but I do have a brother and a sister. At present, no will nor property beyond a vehicle. Is the traditional beneficiaries / probate th...
by bluerafters
Mon Jul 02, 2018 7:06 pm
Forum: Personal Investments
Topic: Need Your Feedback on 100% VTSAX
Replies: 39
Views: 4892

Re: Need Your Feedback on 100% VTSAX

Honest question why not something like VFORX?
by bluerafters
Thu Jun 14, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Still With An Old Barclays Dream Account? Have You Converted To A New Online Savings Account?
Replies: 4
Views: 702

Re: Anyone Still With An Old Barclays Dream Account? Have You Converted To A New Online Savings Account?

NancyABQ wrote:
Thu Jun 14, 2018 11:48 am
bluerafters wrote:
Thu Jun 14, 2018 11:02 am
Appreciate the reply. Did you call or were you able to switch over online?
I called them and had them do it for me. I don't know if you can do it online. But I recall it was pretty painless.
Gotcha. Thanks!
by bluerafters
Thu Jun 14, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Still With An Old Barclays Dream Account? Have You Converted To A New Online Savings Account?
Replies: 4
Views: 702

Re: Anyone Still With An Old Barclays Dream Account? Have You Converted To A New Online Savings Account?

I moved my Dream Accounts to regular savings months ago. When I noticed they raised the savings account rate and didn't raise the Dream Account rate, I called and they told me they were phasing them out. So I just moved everything to regular savings accounts. That 2.5% bonus is inconsequential -- i...
by bluerafters
Thu Jun 14, 2018 4:12 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Still With An Old Barclays Dream Account? Have You Converted To A New Online Savings Account?
Replies: 4
Views: 702

Anyone Still With An Old Barclays Dream Account? Have You Converted To A New Online Savings Account?

https://www.banking.barclaysus.com/faq.html?wc=true The deprecated Dream is returning APY 1.20%, I’ve have 10k sitting in it, and has a bonus feature: What bonuses can I earn? When you make deposits every month for 6 consecutive months, you’ll earn a 2.5% bonus on the total interest earned over that...
by bluerafters
Sun Jun 10, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 16063

Re: VMMXX (Vanguard Prime MM) risks

Fascinating thread bookmarked for future use. I can't decide myself where to go with a 10k I have in a Barclay's savings at the moment.
by bluerafters
Sun Jun 10, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 150
Views: 25039

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

I love Buffett, but I don't have the stomach for 90% stocks. I will stick with 60/40 and hopefully it gets me there. I'm there myself at 60/40 but doesn't the idle 40% gnaw at your soul? It's taken every once of my will to not 75/25 and live with the consequences. At 41, and fundamentally optimisti...
by bluerafters
Mon Jun 04, 2018 5:07 pm
Forum: Personal Investments
Topic: What are you doing with cash?
Replies: 82
Views: 12385

Re: What are you doing with cash?

ruralavalon wrote:
Sun Jun 03, 2018 4:16 pm
My personal choice would be Vanguard Prime Money Market Fund (VMMXX), current SEC Yield = 1.91% in a taxable account. When needed the money can be available in your checking account within 2 days.
That's not FDIC insured, correct?
by bluerafters
Sat May 19, 2018 10:49 am
Forum: Investing - Theory, News & General
Topic: Bank Interest Rates — when will they go up?
Replies: 27
Views: 3982

Re: Bank Interest Rates — when will they go up?

peterinjapan wrote:
Fri May 18, 2018 9:27 pm
Fidelity's CDs are amazing and they have an automated ladder tool

https://www.fidelity.com/learning-cente ... cd-ladders
The 5 year is incredible. First time I've ever seen it set up like that.
by bluerafters
Fri May 18, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: Bank Interest Rates — when will they go up?
Replies: 27
Views: 3982

Re: Bank Interest Rates — when will they go up?

Couple mentions of Ally in this thread. Do you guys find them good to deal with?
by bluerafters
Wed Mar 21, 2018 11:26 am
Forum: Personal Investments
Topic: Emergency Fund Better Ideas?
Replies: 8
Views: 1510

Re: Emergency Fund Better Ideas?

What is the interest rate on the car loan? Annual percentage is 5.4080%. How long would it take you to replenish the $8K in your EF? Best guess? 8/10 months barring a major issue(s). Are you making the maximum employee contribution to your 401k? No. I'm toying very much with another bump to the 35%...
by bluerafters
Tue Mar 20, 2018 11:05 am
Forum: Personal Investments
Topic: Emergency Fund Better Ideas?
Replies: 8
Views: 1510

Emergency Fund Better Ideas?

Recently listen to both these episodes and, well, they seem to make common sense: https://www.choosefi.com/066-the-emergency-fund/ https://www.choosefi.com/066r-letting-go-of-the-emergency-fund/ At this point, as of March 2018, I have an emergency fund earning 1.2% right around the 10k amount. I alr...
by bluerafters
Wed Mar 14, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Online High yield savings account for emergency funds
Replies: 48
Views: 8107

Re: Online High yield savings account for emergency funds

Watching this as well. My current dissatisfaction with my Barclay's 1.2% savings account has me looking around at these other banks. https://www.depositaccounts.com/blog/best-online-savings-accounts.html This site has a regularly updated table with the highest yields. In the link you provide, it co...
by bluerafters
Sun Mar 11, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Online High yield savings account for emergency funds
Replies: 48
Views: 8107

Re: Online High yield savings account for emergency funds

Watching this as well. My current dissatisfaction with my Barclay's 1.2% savings account has me looking around at these other banks. https://www.depositaccounts.com/blog/best-online-savings-accounts.html This site has a regularly updated table with the highest yields. You may want to double check y...
by bluerafters
Sat Mar 10, 2018 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Online High yield savings account for emergency funds
Replies: 48
Views: 8107

Re: Online High yield savings account for emergency funds

Watching this as well. My current dissatisfaction with my Barclay's 1.2% savings account has me looking around at these other banks. https://www.depositaccounts.com/blog/best-online-savings-accounts.html This site has a regularly updated table with the highest yields. You may want to double check y...
by bluerafters
Fri Mar 09, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Online High yield savings account for emergency funds
Replies: 48
Views: 8107

Re: Online High yield savings account for emergency funds

Watching this as well. My current dissatisfaction with my Barclay's 1.2% savings account has me looking around at these other banks.

https://www.depositaccounts.com/blog/be ... ounts.html

This site has a regularly updated table with the highest yields.
by bluerafters
Fri Feb 09, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 15570

Re: "The stock market is officially in a correction... here's what usually happens next"

Funny thing. After spending time on this board I feel an incredible amount better about the changes I made to my assets pre-correction. I'm even more confident in those changes I made to have the ability to ride out this current situation, and, one might hope, to engage in purchasing opportunities. ...
by bluerafters
Sun Feb 04, 2018 12:58 pm
Forum: Personal Investments
Topic: Healthequity HSA
Replies: 16
Views: 3913

Re: Healthequity HSA

I know that I am very late to this conversation but I will say that one decent thing that HE does is when they access the fee at least they take it out of the mandatory cash held in the account. Since they do it that way, you are getting the full return from your investments as the fee is not comin...
by bluerafters
Sun Feb 04, 2018 6:34 am
Forum: Personal Investments
Topic: Healthequity HSA
Replies: 16
Views: 3913

Re: Healthequity HSA

I know that I am very late to this conversation but I will say that one decent thing that HE does is when they access the fee at least they take it out of the mandatory cash held in the account. Since they do it that way, you are getting the full return from your investments as the fee is not comin...
by bluerafters
Sat Feb 03, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 200
Views: 67391

Re: Vanguard's Wellesley Income fund is incredible

VWIAX for the Admiral, correct? I'm surprised to find this as an option for my employer HSA.
by bluerafters
Thu Feb 01, 2018 12:20 pm
Forum: Personal Investments
Topic: Walmart HSA Investment Options Advice?
Replies: 3
Views: 693

Re: Walmart HSA Investment Options Advice?

TARGET-DATE 2060+ VTTSX VANGUARD TARGET RETIREMENT 2060 INV Passive 0.16% 21.97% 8.28% 11.71% If you were to flirt aggressive where might you start? That one would not be an unreasonable choice. Appreciate that. I've done more Googling over the last week on each of these funds and I'm no closer to ...
by bluerafters
Thu Jan 25, 2018 12:19 pm
Forum: Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 80
Views: 25551

Re: Health Equity HSA--New Passive Plan

Driving this back up for my own research. I'm at this point from my employer HSA.
by bluerafters
Sun Jan 21, 2018 12:40 pm
Forum: Personal Investments
Topic: Walmart HSA Investment Options Advice?
Replies: 3
Views: 693

Walmart HSA Investment Options Advice?

I'll be fully funded for 2018, with the company match ($350), next paycheck at $3450. (I planned and prioritized this year, Roth and HSA fully funded first, then the other stuff.) Currently the HSA is through HealthEquity. Walmart will pay the fees to set up and maintain your health savings account ...
by bluerafters
Wed Jan 10, 2018 12:05 pm
Forum: Personal Investments
Topic: Beginner: How Many Of You Take The Retirement Savings Credit?
Replies: 8
Views: 1161

Re: Beginner: How Many Of You Take The Retirement Savings Credit?

We get the retirement savings credit. We have hovered around the top income limit for the past few years, so our decision making is always centered around how much of my spouse's $2000 IRA contribution goes into a Roth or traditional IRA to get us under the limit, and that's figured out in late Jan...
by bluerafters
Wed Jan 10, 2018 12:02 pm
Forum: Personal Investments
Topic: Beginner: How Many Of You Take The Retirement Savings Credit?
Replies: 8
Views: 1161

Re: Beginner: How Many Of You Take The Retirement Savings Credit?

obafgkm wrote:
Wed Jan 10, 2018 9:50 am
I can't help you on your question, but will point out that "Roth" refers to Senator William Roth, who sponsored the legislation setting up the Roth IRA. "Roth" is not an acronym, so it shouldn't be in all caps.
Noted going forward.
by bluerafters
Wed Jan 10, 2018 9:42 am
Forum: Personal Investments
Topic: Beginner: How Many Of You Take The Retirement Savings Credit?
Replies: 8
Views: 1161

Beginner: How Many Of You Take The Retirement Savings Credit?

https://finance.zacks.com/report-roth-ira-contribution-1040-4404.html First time ROTH user in 2017. I have my W2's in hand and I've dropped them into TurboTax. All my ROTH Dividends / Capital Gains are set to reinvest via Vanguard. I'm researching how I might take / if I should take / if I qualify f...
by bluerafters
Wed Jan 03, 2018 11:00 am
Forum: Personal Investments
Topic: First HSA: Any Hints, Tips Or Tricks?
Replies: 6
Views: 915

Re: First HSA: Any Hints, Tips Or Tricks?

mcraepat9 wrote:
Tue Jan 02, 2018 11:46 pm
If you plan on keeping receipts forever, make sure you scan them in. They will fade if you expect to keep them in paper form.
10 years is the window for eligibility on a HSA, correct?
by bluerafters
Wed Jan 03, 2018 10:59 am
Forum: Personal Investments
Topic: First HSA: Any Hints, Tips Or Tricks?
Replies: 6
Views: 915

Re: First HSA: Any Hints, Tips Or Tricks?

I save and backup electronic copies of my insurer's Explanation of Benefits statements and my HSA's transaction history for the year. Yeah. I spent time in my online account this morning looking for this very thing. It's also been suggested to not use the HSA card, instead, use your rewards credit ...
by bluerafters
Tue Jan 02, 2018 11:42 pm
Forum: Personal Investments
Topic: First HSA: Any Hints, Tips Or Tricks?
Replies: 6
Views: 915

First HSA: Any Hints, Tips Or Tricks?

Finally took the plunge into a HSA account at work. Any tips, tricks or advice for a first timer?