Search found 2625 matches

by goingup
Fri Sep 22, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: where to put $60,000 for three months...
Replies: 13
Views: 765

Re: where to put $60,000 for three months...

triceratop wrote:
Fri Sep 22, 2017 3:02 pm
goingup wrote:
Fri Sep 22, 2017 2:51 pm
It's would not be enough to mess with. 1% on 60K is $150. 1.5% is $225. I doubt you could get any better without using bonds.
A 3-month treasury bill yields 1.02%-1.04% as of a few days ago.
I was thinking Vanguard Short term corporate fund at 2.12 yield.
by goingup
Fri Sep 22, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: where to put $60,000 for three months...
Replies: 13
Views: 765

Re: where to put $60,000 for three months...

It's would not be enough to mess with. 1% on 60K is $150. 1.5% is $225. I doubt you could get any better without using bonds.
by goingup
Fri Sep 22, 2017 9:22 am
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 35
Views: 2093

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

I haven't upgraded and won't until forced. *We only use mutual funds *Have multiple auto-exchanges set up between MM fund and other funds, which isn't possible in brokerage *Have dividends from one fund directed to another fund, which isn't possible in brokerage Upgrading to a brokerage would derail...
by goingup
Fri Sep 22, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Diversification of retirement investments across multiple accounts
Replies: 3
Views: 243

Re: Diversification of retirement investments across multiple accounts

I am managing 6 different retirement accounts and I am trying to diversify my investments across all my accounts. Do you need 6? Consolidation and simplification is a worthy goal. Choose the broadest low-cost funds available to you in each account. In one 401K it is a TSM ER.05. Is there another ac...
by goingup
Thu Sep 21, 2017 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 172
Views: 17411

Re: Calling out the not so rich bogleheads

I will bite, I'm currently 34 and in the age range you mentioned... I lurked here for a long time, since 2005 as a 22 year old, before I created an account and started posting in 2015. I've never felt envious or scared off by all the millionaires, my goal early on was just reading and learning as m...
by goingup
Wed Sep 20, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off primary mortgage
Replies: 24
Views: 1824

Re: Paying off primary mortgage

Franklin Templeton has a sales charge of 3.5% when investing 100K-249K addition money. 100K is about the chunk of change at a time that we can invest...so we have to figure we've lost 3.5%initially before we see the investment profit...hopefully... Why not just use the $100K replacement money for t...
by goingup
Wed Sep 20, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location: 401k All Fixed Income?
Replies: 15
Views: 784

Re: Asset Location: 401k All Fixed Income?

I'd have a hard time advising a young person to hold only fixed income in a 401K. Presumably they'll add to a 401K for 30 years and all growth will be tax-deferred. Ideally your kids will have a 7-figure 401K account at retirement. You'll never have that with all bonds, however. Often blended funds...
by goingup
Wed Sep 20, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location: 401k All Fixed Income?
Replies: 15
Views: 784

Re: Asset Location: 401k All Fixed Income?

I'd have a hard time advising a young person to hold only fixed income in a 401K. Presumably they'll add to a 401K for 30 years and all growth will be tax-deferred. Ideally your kids will have a 7-figure 401K account at retirement. You'll never have that with all bonds, however. Often blended funds ...
by goingup
Tue Sep 19, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Online Bill Pay Security: Push or Pull?
Replies: 90
Views: 3246

Re: Online Bill Pay Security: Push or Pull?

I only push. Not willing to give any payee access to our checking accounts.
by goingup
Tue Sep 19, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Considering a Bond Ladder. Your opinion?
Replies: 5
Views: 304

Re: Considering a Bond Ladder. Your opinion?

Here's a useful thread from last year on the merits of individual bonds vs bond fund. viewtopic.php?t=189871

Individual bonds wouldn't suit me because I don't want to be tethered to an advisor. A fund remains liquid, simple and easy to manage.
by goingup
Tue Sep 19, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: If you don't care about optimal performance?
Replies: 17
Views: 938

Re: If you don't care about optimal performance?

I want to get "market" performance at the lowest cost possible. Period. What does "optimal" mean? Sounds like adding risk or doing some scheme to increase *potential* gain. I guess go to Vegas and put it all on red. No. I don't gamble. Optimal here means trying to achieve optimal performance by usi...
by goingup
Tue Sep 19, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - In Taxable Account
Replies: 13
Views: 877

Re: Rebalancing - In Taxable Account

Add bonds to taxable. We use intermediate term muni bond fund. Also, I'd rather not put bonds in our Roths and use equity funds there.
by goingup
Mon Sep 18, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Save/invest and buy house with cash - yes/no?
Replies: 16
Views: 1072

Re: Save/invest and buy house with cash - yes/no?

Not a common move. A house is 10,20,30 times more expensive than a car so few people can pay cash for a first home. Why would you want to pay rent while saving an amount large enough to buy a home in cash? A more common method is to save a healthy down payment and buy a home that is affordable. Make...
by goingup
Mon Sep 18, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: How would you invest this bonus??
Replies: 13
Views: 1207

Re: How would you invest this bonus??

Congrats on your promotions and new income level. :beer Have you opened a taxable account at Vanguard, Schwab, Fidelity etc? Frankly, your 401K contributions will be dwarfed now by your taxable savings. It's time to get yourself set up with low-cost tax-efficient index funds in a brokerage account....
by goingup
Mon Sep 18, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: How would you invest this bonus??
Replies: 13
Views: 1207

Re: How would you invest this bonus??

Congrats on your promotions and new income level. :beer Have you opened a taxable account at Vanguard, Schwab, Fidelity etc? Frankly, your 401K contributions will be dwarfed now by your taxable savings. It's time to get yourself set up with low-cost tax-efficient index funds in a brokerage account. ...
by goingup
Sun Sep 17, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: What money to store outside for disaster?
Replies: 57
Views: 4189

Re: What money to store outside for disaster?

Is cash even particularly useful to people in TX or FL right now ? If you didn't have what you needed before the disaster can you even buy it now? At least in Harris County, TX and surroundings where only about 15% of homes flooded which means that about 85% of homes and businesses did not flood an...
by goingup
Sat Sep 16, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law dying, Wife wants to buy a Porsche
Replies: 51
Views: 4885

Re: Mother-In-Law dying, Wife wants to buy a Porsche

Your reaction to stress may be to delve into financial details--trying to financially control the situation and establish order in chaos. Your wife may handle it by becoming more free-wheeling. My advice would be to be supportive and attend to the immediate medical situation. The estate and inherita...
by goingup
Fri Sep 15, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Vanguard customer service/technology = "Bad returns in Bad times"
Replies: 37
Views: 2520

Re: Vanguard customer service/technology = "Bad returns in Bad times"

After all the surest way to . . . see below . . . is walk into the office off . . . see below . . . . . . be sold expensive advice and funds . . . a financial advisor . . . be sold insurance . . . an insurance salesman . . . a lousy overpriced used car . . . a used car dealer . . . an expensive din...
by goingup
Fri Sep 15, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Harvesting of capital gains
Replies: 7
Views: 345

Re: Harvesting of capital gains

It's not a recommended move. You're cashing out and hunkering down because you feel the market is risky. It will cost you taxes and then what? Get back to original equity position? The recommended move is to evaluate your jitters (Nisiprius phrase) and possibly dial back your portfolio risk. Add mor...
by goingup
Fri Sep 15, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Help with savings
Replies: 8
Views: 809

Re: Help with savings

There is also something to be said for building up a brokerage account. It is nice to have some liquid funds outside of any restricted accounts.? I like this idea. This is often the next step beyond saving in tax-advantaged. The car fund, ac and roof fund accounting hasn't been the way we've gone. ...
by goingup
Fri Sep 15, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Advice Badly Needed---Meeting with Financial Advisor
Replies: 49
Views: 3766

Re: Advice Badly Needed---Meeting with Financial Advisor

The things you're trying to do---save a downpayment, contribute to 403B, and fund a Roth IRA--do not require the assistance of an insurance salesman. Save your downpayment in cash at somewhere like ALLY bank. Use low-cost funds in your 403B and be sure to get your match. Open a Roth with Vanguard an...
by goingup
Thu Sep 14, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Should my g/f keep her lower cost funds? Or get one with a better asset mix?
Replies: 7
Views: 341

Re: Should my g/f keep her lower cost funds? Or get one with a better asset mix?

Mark2614 wrote:
Thu Sep 14, 2017 11:25 am
If I select the 2050 fund she will let it ride for 30+ years. I think that will be best.
I agree. The TR fund is a better choice. The more important thing is saving enough. Saving 15% would be a good goal.
by goingup
Thu Sep 14, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Funds added to 401k
Replies: 15
Views: 1093

Re: Vanguard Target Retirement Funds added to 401k

You'll save at least .50 in ER by using the TR fund, and with your balance that's real money. $410K * .50% = $2,050 saved. Besides the savings, the diversification of the Target fund is hard to beat. Target Funds of Vanguard invests in other Vanguard Funds (Total US, Total Intl, Total US bond, Tota...
by goingup
Thu Sep 14, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividend in Tax Account
Replies: 14
Views: 1155

Re: Reinvesting dividend in Tax Account

You have to keep records whether you reinvest dividends or not AND whether you use Specific Identification or Average Cost. Vanguard has to keep records for you as well now. Of course it's smart to keep records of purchases but truthfully I never have. It's not optimal but it works just fine. Vangu...
by goingup
Thu Sep 14, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Funds added to 401k
Replies: 15
Views: 1093

Re: Vanguard Target Retirement Funds added to 401k

It's a no brainer to use a Target fund in your 401K. Look at the composition rather than the date to choose the one you want. You'll save at least .50 in ER by using the TR fund, and with your balance that's real money. $410K * .50% = $2,050 saved. Besides the savings, the diversification of the Tar...
by goingup
Wed Sep 13, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Third Federal Savings doing constant credit inquiry
Replies: 3
Views: 334

Re: Third Federal Savings doing constant credit inquiry

It's just a marketing inquiry. Has no effect on your credit score.
by goingup
Wed Sep 13, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Pseudo-bridge financing
Replies: 10
Views: 805

Re: Pseudo-bridge financing

It was mentioned above but I'll say it again. I'd swap equity in your tax-advantaged for bonds. Sell all the bonds in your taxable account to raise the needed cash. When your house sells, revert to your original allocation. We sold all our muni bond funds, along with some equity funds in 2007 to fun...
by goingup
Wed Sep 13, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: What money to store outside for disaster?
Replies: 57
Views: 4189

Re: What money to store outside for disaster?

It sounds like you're wedded to the idea of keeping money outside. I just can't envision a scenario where I need to keep money outside, though I've lived in CA and am now in WA. I've got several hundred in various denominations stored with passports and birth certs and I'm counting on being able to ...
by goingup
Wed Sep 13, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella insurance
Replies: 56
Views: 4796

Re: Turned down for umbrella insurance

skeptical- I got an umbrella policy less than 2 years ago through our Farmers agent. I filled out a questionnaire but didn't have to provide any documentation as proof of assets. My agent worked as a broker presenting at least two umbrella providers. Maybe try a local Farmers agent. You could also c...
by goingup
Wed Sep 13, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Option to freeze outgoing ACH at Vanguard?
Replies: 6
Views: 986

Re: Option to freeze outgoing ACH at Vanguard?

I don't think it's necessary. Set up both text alerts and email alerts for any transaction that happens in your accounts. If something happens that you didn't authorize you should be able to call Vanguard immediately. For me, at least, the inconvenience of not being able to ACH to and from brokerage...
by goingup
Wed Sep 13, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Experience with High Yielding Money Market Accounts
Replies: 31
Views: 3406

Re: Experience with High Yielding Money Market Accounts

All of the above have higher returns plus, to a certain amount, they are FDIC insured. I need to finally make the move from Prime to either one or a few of these. The yield at Prime MM is 1.11 right now. Not FDIC insured, but I'm not worried about that risk. The difference in yield between your alt...
by goingup
Tue Sep 12, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on helping spouse feel that we are truly FI?
Replies: 18
Views: 1433

Re: Tips on helping spouse feel that we are truly FI?

Who knows? Maybe she's right. We have no idea if you are plausibly financially independent. :wink:
by goingup
Sat Sep 09, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Anyone use Nextdoor.com for referrals?
Replies: 20
Views: 1450

Re: Anyone use Nextdoor.com for referrals?

I have used Nextdoor successfully for referrals--tree trimming, carpet cleaning, deck building, HVAC installation. I've sold concert tickets and household goods. Helped a neighbor find a lost pet by posting pictures. Last week I helped someone recover a stolen bike by posting pictures of it when I s...
by goingup
Sat Sep 09, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8276

Re: When calculating net worth, how do you value your house?

I'll mention the list for reasons to include home in your net worth, though for some reason, I cannot get bogleheads to acknowledge any of these points ... it baffles me, they are not unique to me, and recommended writers such as Jane Bryant Quinn make these points. It's really not the majority of ...
by goingup
Sat Sep 09, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing for a newbie
Replies: 6
Views: 408

Re: Refinancing for a newbie

When we refinanced several years ago we paid down the balance to get to $417K, to finance a conventional rather than jumbo mortgage. Rates for conventional were considerably better. If you have the option of bringing cash to the table, it can buy you a lower rate.
by goingup
Fri Sep 08, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home With Girlfriend; Good or Bad?
Replies: 68
Views: 5376

Re: Purchasing Home With Girlfriend; Good or Bad?

LeSpy wrote:
Fri Sep 08, 2017 3:03 pm
I am currently unmarried and in a long-term relationship.
Many, many young people today choose to live together, buy homes together, have children together and never marry. I'd think you'd want to co-habitate for awhile before buying a home together, though.
by goingup
Fri Sep 08, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: Irrational fears?
Replies: 23
Views: 1691

Re: Irrational fears?

It is irrational. I admit to having held my breath once or twice while the computer pauses before the balance appears. Irrational. Vanguard has 20 million clients and manages $4 trillion in assets. If they ever somehow misplaced your money they would make you whole. I have ACH'd money to them and fr...
by goingup
Fri Sep 08, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 4645

Re: Do I need an Amazon Echo??.....

Love ours. You might enjoy one too!
Here's a sample of recent uses:
Alexa...
Will it rain today?
What time does Nordstroms open?
Play some Astrud Gilberto music.
Set the timer for 10 minutes.
How old is George Hamilton?
What movies are playing at Regal Cinema?
by goingup
Thu Sep 07, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Seattle in 3 days
Replies: 27
Views: 1600

Re: Seattle in 3 days

Ivar's, southend of the the piers, just past the ferries. for the plank roasted salmon. Semi outdoor bench seating or eating along the boardwalk. ClamChowder is OK and famous locally, white style. The salmon may be Atlantic? Western Salmon are severely stressed from Dams, pollution, and seal lions....
by goingup
Thu Sep 07, 2017 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Vangard Index Fund through Merrill Edge
Replies: 26
Views: 1931

Re: Vangard Index Fund through Merrill Edge

Unless you have the balance required to qualify for the preferred rewards program, I can't see any benefit to having an account with Merrill edge. Exactly. I enjoy preferred rewards from BofA. And I do like Vanguard funds/ETFs. So what do I do? 1. Buy Vanguard ETFs where available (indexes) using t...
by goingup
Wed Sep 06, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: 401K - Same Fund, Same Broker, Different Employer -> Different ER?
Replies: 6
Views: 359

Re: 401K - Same Fund, Same Broker, Different Employer -> Different ER?

Short answer: Her current employer is not subsidizing the 401K plan to the degree her former employer was.
by goingup
Wed Sep 06, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: One Year Later: Hmm...how would you tweak this portfolio? Can I consider early retirement?
Replies: 35
Views: 5032

Re: One Year Later: Hmm...how would you tweak this portfolio? Can I consider early retirement?

The math is only a part of the answer, as it disregards quality of life. As others have said, you could perhaps make this work mathematically, if your assumptions about future expenses prove accurate (eg., cost of health insurance, real estate, personal income taxes, investment taxes, maintenance e...
by goingup
Wed Sep 06, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8276

Re: When calculating net worth, how do you value your house?

Why is this so controversial? It's the market value of your home minus the mortgage balance. It is not the purchase price, or the appraised value, or the fire sale price. Net worth is a current snapshot in time of your financial worth. If someone were to ask me my net worth, the only correct answer...
by goingup
Wed Sep 06, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8276

Re: When calculating net worth, how do you value your house?

Why is this so controversial? It's the market value of your home minus the mortgage balance. It is not the purchase price, or the appraised value, or the fire sale price. Net worth is a current snapshot in time of your financial worth. If someone were to ask me my net worth, the only correct answer ...
by goingup
Wed Sep 06, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8276

Re: When calculating net worth, how do you value your house?

Net worth is assets minus liabilities.

For your home, that's market value (Redfin or Zillow estimate) minus your outstanding mortgage balance. I don't track it myself as it isn't an important number to me.
by goingup
Wed Sep 06, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Strange Macy's Credit Card Problem
Replies: 4
Views: 782

Re: Strange Macy's Credit Card Problem

It appears there's a bug in their system somewhere. What's worked for me (not at Macy's in particular but at many other websites) is to wait a few days and try again. Unless you think your login/card has been compromised, I'd just give them a few days to work out the bugs.
by goingup
Wed Sep 06, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Bought crypto currency
Replies: 67
Views: 3363

Re: Bought crypto currency

prettybogle wrote:
Tue Sep 05, 2017 10:04 pm
Surprised to see negativity on bitcoins.
You shouldn't be.
Bogleheads.org Investing Advice Inspired by John Bogle
by goingup
Tue Sep 05, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: One Year Later: Hmm...how would you tweak this portfolio? Can I consider early retirement?
Replies: 35
Views: 5032

Re: One Year Later: Hmm...how would you tweak this portfolio? Can I consider early retirement?

^ I'd imagine the $900K home was a $400-500K home 20 years ago and is now paid off, depending where in WA the OP resides. (Just a guess.) Often the assessed value hasn't caught up with the market value, but believe me the taxing authorities are working overtime to catch up!
by goingup
Tue Sep 05, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: One Year Later: Hmm...how would you tweak this portfolio? Can I consider early retirement?
Replies: 35
Views: 5032

Re: One Year Later: Hmm...how would you tweak this portfolio? Can I consider early retirement?

I'm not optimistic about a comfortable retirement for you if you retire now. Property taxes on a $900K home could exceed $10K per year, depending on where in WA you live. (Our assessment just increased by $100,000 so that means $1,000+ more on our King County tax bill.) Health care may well exceed y...