Search found 3242 matches

by goingup
Sat Nov 17, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account - Cost basis - specID or Avg
Replies: 13
Views: 787

Re: Taxable account - Cost basis - specID or Avg

I like auto reinvesting dividends. Puts the money to work immediately at the newly reduced NAV (reduced because of dividend distribution). Automation means fewer decisions and that's good. Yes, to SPEC ID. I'm not interested in holding either SC Value or Emerging Markets funds but many people who sl...
by goingup
Fri Nov 16, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 64
Views: 4041

Re: Cremation seminar – with complimentary lunch

There's another organization called Neptune Society that operates in 24 states, 45 locations. Might be good to compare service/prices.
by goingup
Fri Nov 16, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Muscular Portfolios Questions
Replies: 16
Views: 1852

Re: Muscular Portfolios Questions

Welcome, helpmebogle! Not to be a kill-joy, but this is the broad philosophy of Bogleheads: The Bogleheads® Philosophy *Develop a workable plan *Invest early and often *Never bear too much or too little risk *Never try to time the market *Use index funds when possible *Keep costs low *Diversify *Min...
by goingup
Wed Nov 14, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 75
Views: 4773

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

CULater- You might like reading Jane Bryant Quinn's book How to Make Your Money Last . It has a section that discusses bucketing. I recall the idea was to have a cash bucket, a bond bucket and a stock bucket. I have some of the same questions you do, though. How do you decide which bucket to use? Mo...
by goingup
Wed Nov 14, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 97
Views: 12946

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

FWIW, my net worth was down 55k last month, maybe 6 months of savings. It was the first time it had been down in 32 months. The total increase for the prior 32 months is +851k and maybe about 300k of that was new contributions. I think it's much easier if you've had a ton of gains in the market, in...
by goingup
Wed Nov 14, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: Investment advisors- is regulatory burden higher on fiduciaries?
Replies: 51
Views: 1943

Re: Investment advisors- is regulatory burden higher on fiduciaries?

I have a close friend who has used a financial advisor for close to 20 years. The advisor appears to be a good guy, and I even used him for a few hourly sessions perhaps 10 years ago at my friend's recommendation. Frankly, I'd be very happy for my friend. He's got an advisor he trusts. American Fun...
by goingup
Tue Nov 13, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 41
Views: 2316

Re: Garmins & Fitbits: Worth it for non-athletes?

I've worn my Fitbit Surge nearly every day for several years. I keep track of daily steps (goal is 10,000) and daily active minutes. I keep an eye on resting heart rate, too. The watch itself is great with big numbers for time and date. I can read texts on it too. The app on my smart phone displays ...
by goingup
Tue Nov 13, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Dimensional Funds
Replies: 18
Views: 1555

Re: Dimensional Funds

I don't know anything about the merits of DFA funds except they are relatively low cost. The problem is that you need an advisor in order to access them. If you leave the advisor you can no longer contribute to them and you may be locked into them due to capital gains.
by goingup
Mon Nov 12, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to TLH and which Vanguard funds to avoid wash sale?
Replies: 11
Views: 597

Re: Good time to TLH and which Vanguard funds to avoid wash sale?

fortfun- I consider TLH only a tax tool. If it does not benefit you, don't do it. Rather than thinking about harvesting losses, think instead about continuing to invest in this market as valuations become more appealing. TLHing can complicate a portfolio by adding additional funds that aren't necess...
by goingup
Mon Nov 12, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1140

Re: Prepaying for Rental Car - Availability Guaranteed?

I don't expect it as more likely than not, but I figure if there's even perhaps a 5-10% chance of not being able to get from the airport to my relative's several hours drive away, I want to pre-empt that if possible. I would put the odds at less then 1%, if you have a reservation in the US at a nat...
by goingup
Mon Nov 12, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 30
Views: 2991

Re: USAA Multi Product Discount

As much as I want to consolidate, the token mutual fund offers superb savings ...I consolidated OUT of USAA a few years ago, but with the savings your link is showing, the minimum is going right back in. I certainly hope it is only $1k... Curious as to what $$ amount is superb savings, if you care ...
by goingup
Mon Nov 12, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1140

Re: Prepaying for Rental Car - Availability Guaranteed?

I'm asking with respect to holiday travel, so I expect a relatively high risk of there not being a car available. We travel and rent cars nearly every holiday season. Just reserve in advance. You don't have to prepay unless the site you're using requires it. I use Costco Travel to book rental cars....
by goingup
Sun Nov 11, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 30
Views: 2991

Re: USAA Multi Product Discount

As much as I want to consolidate, the token mutual fund offers superb savings ...I consolidated OUT of USAA a few years ago, but with the savings your link is showing, the minimum is going right back in. I certainly hope it is only $1k... Curious as to what $$ amount is superb savings, if you care ...
by goingup
Sat Nov 10, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bond funds and Capital Gains
Replies: 11
Views: 1120

Re: Muni Bond funds and Capital Gains

Do the Municipal Bond funds like VWIUX (Vanguard Intermediate-Term Tax-Exempt Fund) generate annual capital gain as their holdings mature? I am assuming they buy the individual bonds and hold to the maturity based on the duration objectives of the fund. Since it is muni bond fund, it will be exempt...
by goingup
Sat Nov 10, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Rearrange 3 fund portfolio or leave accounts mirrored
Replies: 16
Views: 1434

Re: Rearrange 3 fund portfolio or leave accounts mirrored

I like to keep it simple. Put bonds in tIRAs. Keep only equity in Roths. Use SP500 or Target Fund in your 401K. Try to set it up so you're not constantly tinkering with percentages. :beer
by goingup
Fri Nov 09, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6153

Re: Strategy during the last stock market decline

The classic Boglehead thread in 2008 was started by Rick Ferri. What Should I Do Now? viewtopic.php?f=10&t=26284

Read that whole thread. You'll be transported in space and time.
by goingup
Thu Nov 08, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Automatic withdrawal with Vanguard
Replies: 24
Views: 1776

Re: Automatic withdrawal with Vanguard

My understanding is that the Vanguard brokerage platform does not support auto-exchanges from one fund to another. That's the big reason why I'm still on the old platform as I have several auto-exchanges programmed quarterly.

I'm not sure there's an automatic solution available for you. :|
by goingup
Wed Nov 07, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 46
Views: 4391

Re: How much money did you receive from family? (Gifts/inheritance)

Got $100K from dear dad upon his demise. That doubled our savings at the time and was a great comfort. He would have been pleased to know how much that was appreciated.
by goingup
Wed Nov 07, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for 87yo widowed Mom.
Replies: 13
Views: 999

Re: Portfolio for 87yo widowed Mom.

She's great, essentially investing for heirs since the income streams cover expenses. If she's not taking dividends from that $605K taxable account, that could provide a little more cash.

I wouldn't do a thing unless she is concerned about something.
by goingup
Wed Nov 07, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401k lackluster options
Replies: 10
Views: 526

Re: Employer 401k lackluster options

Your options are very very good. Frankly, I'd be grateful for the match and those terrific options and contribute all I could. :beer
by goingup
Wed Nov 07, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7439

Re: Never thought of living in Bay Area but just got a call from Tesla

My niece got a serious offer from Tesla about 2 years ago. She's in Bay Area tech in a niche job with good bonafides. She passed. Word is that hours are brutal. Much of bonus compensation was in stock options, which also seemed "iffy". If you were single, a renter, and otherwise unencumbered, it mig...
by goingup
Tue Nov 06, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: USAA credit card
Replies: 22
Views: 1687

Re: USAA credit card

Apples and bananas. Estatements are those statements that you can review by logging into a website. Many do this, turning off paper mailed statements, both to cut waste and improve security, no one can open your paper mail to see your card number. EBill is usually what someone means when a bill is ...
by goingup
Tue Nov 06, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: USAA credit card
Replies: 22
Views: 1687

Re: USAA credit card

Our USAA Visa is the only credit card which does not send an ebill to our brick and mortar bank's bill pay. USAA sends out an email saying a payment is due. I have to log into USAA to find the balance and then manually enter that amount in my bank's bill pay system. It's kind of a hassle.
by goingup
Mon Nov 05, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12694

Re: Are we in trouble?

In our area (Seattle) the housing market has stalled in a breath-taking fashion. Maybe it's happening everywhere as interest rates increase and deductible allowances decrease. Anyways, I think your situation is a bit precarious or at the very least, stressful. In your situation I might want to recon...
by goingup
Mon Nov 05, 2018 1:48 pm
Forum: Investing - Theory, News & General
Topic: Do people calculate savings rate on gross income?
Replies: 118
Views: 7360

Re: Do people calculate savings rate on gross income?

It makes sense to use % rate of gross income because most people save pre-tax in a 401K, and this is their biggest savings vehicle.

I'd rather keep track of how many $$ are saved per year. I've set a target each January for the last 20 years. Most years we get there.
by goingup
Mon Nov 05, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Another TLH excecution question
Replies: 6
Views: 605

Re: Another TLH excecution question

Just some general advice/comments- Don't try to do all these TLH maneuvers at once. I'm rather slow and methodical about them. Choose all the correct lots. Make sure you've selected the SPEC ID cost basis. Turn off future auto-investments in the harvested fund. Turn off dividend reinvestments. Check...
by goingup
Sun Nov 04, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Dangers of VTSAX? (Unrealized Appreciation)
Replies: 26
Views: 4687

Re: Dangers of VTSAX? (Unrealized Appreciation)

Going from a hazy memory here..I think it was around the year 2000 when Fidelity Magellan had huge capital gains distributions. Seems like it was around $25/shr or perhaps 25%/ shr. Behavior of an actively managed fund is not very relevant. Only relevant for comparison to an index fund. In a taxabl...
by goingup
Sat Nov 03, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: My Grandmother has 80% stocks
Replies: 55
Views: 5325

Re: My Grandmother has 80% stocks

What advice could I offer her? I would like to see her bring her portfolio to a more conservative place. Sounds like she is doing fine. A person who knows their asset allocation (80/20) and see capital gains taxes as their biggest peril is probably very comfortable financially. My advice to the OP ...
by goingup
Fri Oct 26, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: In retirement, when do you stop withdrawing from stocks in a downturn?
Replies: 141
Views: 9374

Re: In retirement, when do you stop withdrawing from stocks in a downturn?

Happy2BeFree- Based on reading your posts in this thread I think you have a different idea about what "taking the dividends" means to most investors. People are talking about taking dividends in cash as they are distributed. The opportunity to "take the dividends" won't occur again in stock funds un...
by goingup
Fri Oct 26, 2018 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Is it risky to have all retirement savings with vanguard?
Replies: 43
Views: 5945

Re: Is it risky to have all retirement savings with vanguard?

I appreciate Taylor Larimore's list of benefits of consolidation Benefits of having all investments in one company: 1. One familiar statement. 2. Less paperwork. 3. Easier tax preparation. 4. Avoidance of low-balance and other small fees. 5. It's much easier to learn only one company's policies, fee...
by goingup
Fri Oct 26, 2018 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Ally Savings or FSTVX for Current Market
Replies: 17
Views: 1346

Re: Ally Savings or FSTVX for Current Market

Trying to clarify what you are asking. You are saving up $5,500 in Ally right now in order to fund your Roth in January 2019? Why not fund begin contributing to a Roth right now? Have you already filled a Roth for 2018? I would never hold cash in a Roth and would fill it with an equity fund like FST...
by goingup
Wed Oct 24, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: Changing to higher equities allocation during a major crash?
Replies: 26
Views: 2611

Re: Changing to higher equities allocation during a major crash?

You'll have to live through a big bear market to see how you react real time. ... This is true - as far as it goes. Living through one bear market will tell you how you reacted in THAT bear, but maybe not the next one because they all differ. I agree, but there's something to be said for being batt...
by goingup
Wed Oct 24, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: The ship metaphor
Replies: 24
Views: 2016

Re: The ship metaphor

I'm very fond of the sailing metaphors as they relate to investing. Perhaps it's the visual context they supply. I think about bonds as ballast. Cash as a sail to windward. Letting our asset allocation drift. Small cap funds as a jib sail. Rough waters. Smooth sailing. Setting a course. Staying the ...
by goingup
Wed Oct 24, 2018 9:17 am
Forum: Investing - Theory, News & General
Topic: Changing to higher equities allocation during a major crash?
Replies: 26
Views: 2611

Re: Changing to higher equities allocation during a major crash?

You'll have to live through a big bear market to see how you react real time. I remember feeling as though stock funds were on sale in Fall 2008 and bought some beyond normal contributions. Then came Winter 2008 and by March 2009 I felt like we were tossing money into the abyss and the cratering mar...
by goingup
Wed Oct 24, 2018 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Account investing help - portfolio included
Replies: 11
Views: 1377

Re: Taxable Account investing help - portfolio included

You might tax the opportunity to tax loss harvest any losses you have in your current brokerage funds and add VTSAX. Losses are pretty small right now. Would you add VTSAX with new money coming into to the brokerage? Or continue adding to the 2 current funds for now, waiting to add VTSAX later when...
by goingup
Wed Oct 24, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: 401(k) Provider Change - 25 days in cash?!
Replies: 29
Views: 1974

Re: 401(k) Provider Change - 25 days in cash?!

In your situation I'd be infuriated. Not sure you can do much except complain.

That's the problem with workplace plans--it's your money but it's not completely under your control. Over the years I've had plans where the funds changed, the administrators changed, the management fees changed.
by goingup
Mon Oct 22, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7706

Re: For those who paid off house - how did you do it?

Interest rate @ 3.625% 30 years, 28 years remaining. I want to pay off house asap . Why? Mortgage debt is the financial leverage that allows you pay for a HUGE asset over time. It's a marathon. That said, we paid off our houses early by committing a monthly extra amount to principal. Once the balan...
by goingup
Mon Oct 22, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25660

Re: PSA: Don't buy a big house

It was probably a little intoxicating to buy all that house (and land) for 1/3 what it would cost in CA. I've heard property taxes are onerous though.

I don't love high ceilings for all the reasons you list, though they do look grand!
by goingup
Mon Oct 22, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: American Century Small Cap ASVIX
Replies: 16
Views: 795

Re: American Century Small Cap ASVIX

I doubt any Boglehead would think it's a good fund. ER of 1.26%. About the same returns as Vanguard small value, but more volatility. Forgive my lack of know-how, but where did you find the ER 1.26% ? (Are you referring to price/earning ratio?) Tu! Is this fund in your workplace 401K plan? If so, y...
by goingup
Sun Oct 21, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Account investing help - portfolio included
Replies: 11
Views: 1377

Re: Taxable Account investing help - portfolio included

It's smart to set up your taxable account tax-efficiently from the get-go. It's harder to change as time goes on and capital gains become a consideration. The core fund that many of us own in taxable is a fund you don't own. The Vanguard Total Stock Market fund (VTSAX) is highly recommended for a ta...
by goingup
Sun Oct 21, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Am I doing it right?
Replies: 17
Views: 1503

Re: Am I doing it right?

I had set this up for automatic deposit to our savings account but recently decided to put the automatic inventing in vanguard VTSAX fund in a brokerage account. It’s $1000 a months, is this a good approach? Should I be doing it differently. I think it's a great plan to save automatically into a br...
by goingup
Sat Oct 20, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed
Replies: 30
Views: 2930

Re: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed

Start your quote shopping with the company you have auto insurance through. We get a good discount at USAA for having home, auto, life. It's called bundling.
by goingup
Sat Oct 20, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Travelers Checks
Replies: 36
Views: 2329

Re: Travelers Checks

This could be due to auto towing and repairs in some remote area, or traffic fines in some small town court. I think these places would be the least likely to accept Travelers Checks. Credit cards and a ATM card are the best plan. You'd be wise to try to unload those Travelers Checks as soon as pos...
by goingup
Fri Oct 19, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 5070

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

In my experience, I have never heard of an employer not paying out "accrued" vacation. That means most do. :wink: It's customary to give 2 weeks notice, so you should try to do that. Be upstanding. Don't burn bridges. If you absolutely cannot give 2 weeks, be apologetic and genuinely sorry. (I live ...
by goingup
Fri Oct 19, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 47
Views: 9260

Re: Set it and forget it

Rick- I so appreciate your consistent message over the years. A few years ago you posted 6 Rules to Disciplined Investing : Discipline is the key that allows and investment plan to work for you. I’ve put together six rules to disciplined investing. They will help you make better long-term decisions:...
by goingup
Fri Oct 19, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: What if your risk tolerance is lower than what's best for your portfolio?
Replies: 51
Views: 3928

Re: What if your risk tolerance is lower than what's best for your portfolio?

I just hate losing money, even if it's only paper losses, especially now that I'm semi-retired. That's a big problem because if you own either stock funds or bond funds you are going to have losses. I'm in good shape after this run-up, but I do need the continued growth; I just don't want to take u...
by goingup
Thu Oct 18, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Heavy Loss in Stable Value Fund of 401k investments
Replies: 32
Views: 4227

Re: Heavy Loss in Stable Value Fund of 401k investments

mtmingus-
Welcome to the forum!
Thanks for sharing your experience. I had no idea that a Stable Value fund could lose money. :confused I have never read about it happening here or elsewhere. Sorry that happened to you!
by goingup
Thu Oct 18, 2018 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5303

Re: Spoke with a CFP...underwhelming!

He mentioned having your target AA applied to all accounts. For example let's just say I'm 80/20 AA, he told me to do that across all accounts...Roth IRA, 401k, HSA, and Taxable Brokerage. I really haven't seen many people go this route? Does anyone here do this? Yes, we loosely keep 60/40 in most ...
by goingup
Wed Oct 17, 2018 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Help me understand
Replies: 16
Views: 1735

Re: Help me understand

We've used blended funds (has stocks & bonds) in 401Ks and rollover IRAs. I like how this obscures the daily vicissitudes. :D Blended funds can have higher ERs than index funds, but they make it easy to be hands-off.
by goingup
Tue Oct 16, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer VTSAX & VTIAX to Chase You Invest?
Replies: 28
Views: 2354

Re: Transfer VTSAX & VTIAX to Chase You Invest?

Zorn wrote:
Tue Oct 16, 2018 9:19 am
Is something like this fairly easy to do? Or would I have to convert the shares into regular (non-Admiral) first?
You might think about converting to ETFs. Vanguard allows you to do that. ETFs are portable and generally cheaper to buy than mutual funds at non-Vanguard custodians.