Search found 10 matches

by molecular
Wed Jun 19, 2019 12:38 pm
Forum: Investing - Theory, News & General
Topic: Recent Brokered CDs In Vanguard Account List Value Below Par
Replies: 7
Views: 791

Recent Brokered CDs In Vanguard Account List Value Below Par

I've purchased several brokered CDs through Vanguard over the past two months during declining rates. I understand these are sold at par without a commission and their value will vary over the term. But why would the listed value in the account view be below par if interest rates have been going dow...
by molecular
Wed Jun 19, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 14105

Re: With hindsight, what signs indicated you were about to lose your job?

Under the former ownership we would speculate on the number of people that were going to be thrown overboard by the thickness of the stack of folders the HR person carried as they stomped through our workgroup's area.
by molecular
Tue Apr 30, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: making the leap to online only banking-- updated reviews on Fidelity CMA or Schwab High Yield?
Replies: 25
Views: 2535

Re: making the leap to online only banking-- updated reviews on Fidelity CMA or Schwab High Yield?

VG required medallion signatures recently for moving my wife's Roth IRA CDs from our credit union to VG.
by molecular
Sat Apr 27, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 77
Views: 11267

Re: New Washer - Frontload or HE Top Load

We just took delivery of Speed Queen TR5 top load a couple weeks ago. :happy
by molecular
Sun Apr 14, 2019 1:39 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 906
Views: 125304

Re: That's enough for me in 2019

60/40 beat both 100% stock and 100% bond. Stay the course? So does 20/80. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1996&firstMonth=1&endYear=2009&lastMonth=12&calendarAligned=true&endDate=04%2F08%2F2019&initialAmount=10000&annualOperation=0&annualAdjustment=...
by molecular
Thu Apr 11, 2019 11:32 am
Forum: Personal Investments
Topic: International under-performance
Replies: 204
Views: 16891

Re: International under-performance

"But, to those who, in their own wisdom and judgement, accept the thesis that global investing is necessary, I reaffirm my rule-of-thumb recommendation: Limit international holdings to no more that one-fifth of the equity portfolio." Bogle, Common Sense,pg. 192. Interestingly, both Vanguard Int Grow...
by molecular
Wed Apr 10, 2019 11:41 am
Forum: Personal Investments
Topic: 401k Rollover: Go With Old Platform, Or Brokerage?
Replies: 3
Views: 312

Re: 401k Rollover: Go With Old Platform, Or Brokerage?

Update: The parent company announced the plan will terminate. Everyone has to move their account somewhere else. The advantage for employees that were not fully vested is that they will be fully vested. Happy to move it, particularly after adding up the fees they charged. I ended up creating a rollo...
by molecular
Thu Mar 28, 2019 8:24 pm
Forum: Personal Investments
Topic: 401k Rollover: Go With Old Platform, Or Brokerage?
Replies: 3
Views: 312

401k Rollover: Go With Old Platform, Or Brokerage?

The company I work for was sold recently. I'm waiting for the 2018 match from the parent corporation to be deposited with the 401k custodian. After that the plan is to rollover the 401k to a Vanguard Traditional IRA. I have a Traditional IRA, SEP-IRA and Roth IRA on the old platform, along with a Va...
by molecular
Thu Mar 28, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 174351

Re: What frugal thing did you do today?

While doing a round of house hygiene-scrubbing floors and whatnot-I opened up the windows and spied something familiar on the ground in the backyard. Sure enough, there was a $20 bill in the mulch of a planting bed.
by molecular
Mon Mar 25, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 174351

Re: What frugal thing did you do today?

Received an unexpected bonus check from a former employer, so it's going into an I bond.
Then I made pizza.