Search found 3077 matches

by goingup
Thu Jun 21, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Considering adding VWALX; pros-cons
Replies: 14
Views: 1320

Re: Considering adding VWALX; pros-cons

underwood- Not an expert on this, but these are longer term and lower credit quality bonds. Hence Vanguard's risk rating of a 3 rather than the 2 for Intermediate Term Tax Exempt. If you want to juice monthly returns it's perfectly reasonable to add a slice, recognizing that the NAV will fluctuate m...
by goingup
Thu Jun 21, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: is Ed Jones always bad news?
Replies: 29
Views: 3186

Re: is Ed Jones always bad news?

I've seen mostly reasonable portfolios posted here from EJ. Lots of American Funds. The problem for us DIY'ers is the advisory fees, fund fees and loads. This could add up to 2%. When you've planned to take 4% (or less) of your portfolio as a safe withdrawal rate in retirement, giving 2% to EJ seems...
by goingup
Thu Jun 21, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 63
Views: 2714

Re: Does an IPS really need to be 5 pages long to be valuable?

I keep mine as a Note in my iPhone. It would fit on a 3x5 card . Morningstar's Christine Benz wrote a piece advocating this. http://cawidgets.morningstar.ca/ArticleTemplate/ArticleGL.aspx?culture=en-CA&id=843104 I hand wrote my last IPS in 2010 and it has 5 lines and fits on a 1/2 sheet of paper.
by goingup
Thu Jun 21, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 53
Views: 2613

Re: Buy new truck before retiring?

Maybe the OP is thinking of buying the truck pre-retirement in order to more easily finance the truck. Easier to qualify for a loan with a paycheck. The 2015 truck is not paid off yet.
by goingup
Wed Jun 20, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: The Current Market
Replies: 22
Views: 1689

Re: The Current Market

I didn't watch near as closely then as I do now.... That's the key! If you rarely pay attention you don't see the ups and downs. In fact, the difference in the Dow from Jan 2nd through today is less than 1%. It's down about .6%, which I'd say is nearly flat. There's a case to made for inattention. ...
by goingup
Wed Jun 20, 2018 10:02 am
Forum: Forum Issues and Administration
Topic: Is there a way to block someone?
Replies: 22
Views: 2838

Re: Is there a way to block someone?

Sandtrap wrote:
Tue Jun 19, 2018 11:59 pm
Eggads!
I hope I'm not this fellow. :shock:
^You might be! :oops:
by goingup
Wed Jun 20, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Struggling - Seeking Advice to Get On Track
Replies: 83
Views: 4233

Re: Struggling - Seeking Advice to Get On Track

investjack019- Folks here don't like EJ because we are DIY'ers and think they are expensive. However, if you find value in their services and the advisor will compel you to save more and stay on track you may want to stay put for the time being. The big issue is you should try to save more in your 4...
by goingup
Mon Jun 18, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual Advisory Portfolios
Replies: 23
Views: 954

Re: Northwestern Mutual Advisory Portfolios

The main trick used is that the mutual funds are cherry picked. The firm actually did not have the exact basket of funds that would have afforded them the outsized returns. But if they had owned them, real time, boy howdy it would have been spectacular! I don't know how a potential client can suss o...
by goingup
Mon Jun 18, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein's 8:4:5:3 ratio
Replies: 21
Views: 2663

Re: Bill Bernstein's 8:4:5:3 ratio

Remember that Four Pillars is one of Bill's older works. "If You Can" suggests a simpler portfolio. I am currently reading "Investor's Manifesto", published after the 2007-2009 downturn. It will be interesting to see what he recommends at that moment in time. He recommended most investors should ha...
by goingup
Sun Jun 17, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2536

Re: When is the June ex-dividend date for VTSAX

All true points. I don’t think I’m market timing, but rather timing so that I don’t get a guaranteed fee. It’s only a 7.5k investment so I think the tax cost would be small potatoes in the grand scheme of things. But it’s a guaranteed tax cost vs possible market rally over 2 days. This is a rough a...
by goingup
Sun Jun 17, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2536

Re: When is the June ex-dividend date for VTSAX

It’s just an automated investment timed for every paycheck. I’m in the 35% federal bracket + 9+% state so my marginal ends up being close to 45%. I’d just be delaying the timed investment by a day or two. Just trying to understand if 20 or 21st is the earliest to make the buy order for the mutual f...
by goingup
Fri Jun 15, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11176

Re: Which boglehead rule do you break--and are ok with

I like to think I've gotten the big things right. Save a lot. Use (mostly) broad index funds. Don't tinker. Don't panic. My behavioral foibles are not tucking all bonds into 401Ks and IRAs. I use blended funds in tax-deferred like Wellington and American Balanced fund. And use muni's in taxable. We ...
by goingup
Thu Jun 14, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8897

Re: I was rear ended and the other guy wants a payout!

Just got off the phone with my insurance company, they told me I should go ahead and file a claim for the repair with the other insurance company as well. So...... not sure what to think now...... What type of insurance do you have that you have to file your own claims with the other insurance comp...
by goingup
Thu Jun 14, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Any problem opening fund "Investor", then building to "Admiral"?
Replies: 25
Views: 1588

Re: Any problem opening fund "Investor", then building to "Admiral"?

If in a retirement account, you could purchase the equivalent ETF (which should have the same ER as Admiral shares) and then sell and buy into the fund once you reach 10k. The cost difference is so tiny it seems unnecessary to start with ETFs then transition to Admiral shares. For a $3,000 holding ...
by goingup
Wed Jun 13, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 5708

Re: Anyone with a paid off house drop homeowners insurance

We have very high deductibles on home insurance. For our Seattle area home the deductible is 2% ($8K) through USAA. Raise your deductible to partially "self-insure" without being liable for the whole disaster. :beer
by goingup
Tue Jun 12, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Shifting money for house from stock funds
Replies: 12
Views: 888

Re: Shifting money for house from stock funds

How much of the $500K is needed for the downpayment? If that time frame is a true 7 years I personally would leave it as is. Why not also start saving in a muni bond fund, too? Either short or intermediate term. We kept our taxable funds as is until about 3 months before the payment was needed. Used...
by goingup
Tue Jun 12, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Recommendation for High Deductible Health Care Plan - Ages 61/56
Replies: 17
Views: 1218

Re: Recommendation for High Deductible Health Care Plan - Ages 61/56

I'm on an individual plan through Kaiser Permanente that's $480/mo. It's not ACA. It's a Silver plan, though next year I'll buy the Silver Flex. High deductible and I pay for all doc visits except Wellness exams. I'm 57.
by goingup
Mon Jun 11, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3255

Re: How to convince my co-worker to invest more?

I think telling your co-workers to forego the 401K is poor advice. A 401K is an automated payroll deduction. It's usually completely painless and the most effortless way to accrue wealth that I know of. If you think most 26 year olds have the sustained attention span it takes to open and fund a Rot...
by goingup
Mon Jun 11, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3255

Re: How to convince my co-worker to invest more?

I always tell people on my team at work to do an IRA before our 401k because of the limited 401k options we have and the 1.6% expense ratios (we get no company match). I think telling your co-workers to forego the 401K is poor advice. A 401K is an automated payroll deduction. It's usually completel...
by goingup
Fri Jun 08, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: Anyone else cheap like me and have to put new $s into the asset class that's down the most?
Replies: 23
Views: 2626

Re: Anyone else cheap like me and have to put new $s into the asset class that's down the most?

Never. Auto investing is the great feature of a 401K plan. Pick a Target Fund or broad low-cost index fund (or two) and auto invest for years and years. Pay very little attention. Definitely don't insert yourself yourself into the process with frequent changes. Morgan Housel, in his recent piece po...
by goingup
Fri Jun 08, 2018 2:16 pm
Forum: Investing - Theory, News & General
Topic: Anyone else cheap like me and have to put new $s into the asset class that's down the most?
Replies: 23
Views: 2626

Re: Anyone else cheap like me and have to put new $s into the asset class that's down the most?

Never. Auto investing is the great feature of a 401K plan. Pick a Target Fund or broad low-cost index fund (or two) and auto invest for years and years. Pay very little attention. Definitely don't insert yourself yourself into the process with frequent changes. Morgan Housel, in his recent piece pos...
by goingup
Wed Jun 06, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Insurance for non-married couples
Replies: 17
Views: 848

Re: Insurance for non-married couples

At 29 with a modest salary and no assets you don't need an umbrella policy. Carry adequate car insurance.
by goingup
Tue Jun 05, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Monthly "Auto Exchange" on Vanguard
Replies: 7
Views: 603

Re: Monthly "Auto Exchange" on Vanguard

Longdog wrote:
Tue Jun 05, 2018 9:18 am
That is one of the capabilities that was supported under the “legacy” platform but not the new one.
I think that's correct.

OP- I believe you can set up auto purchases of mutual funds from your checking account. You can't set up auto-exchanges from one fund to another on the brokerage platform.
by goingup
Tue Jun 05, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Redemption Speed - Vanguard Federal Money Market
Replies: 7
Views: 680

Re: Redemption Speed - Vanguard Federal Money Market

My experience pushing from Vanguard MM to bank is T+2. That is the transaction day (provided it's before market close) plus 2 days. The funds available on that second day. For example, if I sold $5000 in MM today (Tuesday), it would be available on Thursday at local bank.
by goingup
Mon Jun 04, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: How a credit card refund is applied?
Replies: 25
Views: 1448

Re: How a credit card refund is applied?

My understanding is that the credit does not count toward your payment so you still have to pay $3,000. As others have said, it is best to call the credit card company. However, do you really trust the knowledge of the person that you talk to. You may want to ask them to make a note on your account...
by goingup
Mon Jun 04, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Just realized that our MFs have high expense ratios
Replies: 28
Views: 2832

Re: Just realized that our MFs have high expense ratios

I like American Funds but they are expensive, often have loads, and throw off large distributions. Then why do you like them? If they outperform lower cost strategies, then the costs are irrelevant. If they underperform lower cost strategies, what’s to like? I don't know if they outperform lower co...
by goingup
Mon Jun 04, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Helping A Parent Escape High Fees/Optimizing A Taxable Managed Account
Replies: 11
Views: 866

Re: Helping A Parent Escape High Fees/Optimizing A Taxable Managed Account

But as far as I can tell, there is no way to get it moved from being managed and lose that fee without triggering capital gains. Most brokerages let you slide over the holdings to a self-managed account. I know that Vanguard, Fidelity, Schwab, Merrill etc let you do this without incurring capital g...
by goingup
Mon Jun 04, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Just realized that our MFs have high expense ratios
Replies: 28
Views: 2832

Re: Just realized that our MFs have high expense ratios

I like American Funds but they are expensive, often have loads, and throw off large distributions. We have Am Bal Fund in a 401K with a .29ER but it would not be a fund I'd want in a taxable account unless I was indifferent to taxes. Leaving a broker isn't hard. Changing out funds in tax-advantaged ...
by goingup
Mon Jun 04, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: How a credit card refund is applied?
Replies: 25
Views: 1448

Re: How a credit card refund is applied?

This just happened to me. I was waiting for 2 credits to post to our CC account, but in the meantime period closed and statement posted. The credits were for $11,000 and $1,500. No way was I going to pay $14,000 to our CC when we only owed a fraction of that. The credits finally posted. I called the...
by goingup
Thu May 31, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Pending Layoff / Can I retire?
Replies: 31
Views: 4479

Re: Pending Layoff / Can I retire?

But you're not really looking to retire and sit on the couch. You dream of working for a start-up in hopes of hitting big. You're in great financial shape. Your wife has a very solid job. I'm not even sure you included your rental income in the calculations. At your age I think you could take 2.5% o...
by goingup
Thu May 31, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 264
Views: 49643

Re: What's the ideal safe retirement net worth target?

I've been thinking about this question for a few days now, and it seems to me that the number would depend upon one's family size, relative ages, and whether health insurance is provided or is something that the individual(s) must purchase on their own. So, for example, for a family of two who are ...
by goingup
Thu May 31, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Issues redeeming Vanguard Prime Money Market Fund
Replies: 35
Views: 2083

Re: Issues redeeming Vanguard Prime Money Market Fund

Look under Account Maintenance and see if your wife's name is listed as having the authority to make transactions in your joint account.
by goingup
Wed May 30, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Hotel Charged on Reservation vs Actual Night Stayed?
Replies: 31
Views: 1768

Re: Hotel Charged on Reservation vs Actual Night Stayed?

This is verbatim copy from their reservation confirmation email: "CANCELLATION MUST BE MADE BEFORE 4PM DAY OF ARRIVAL. IF UNSUCCESFUL, YOU WILL BE CHARGED FOR ONE NIGHT." So, really technically I am not canceling reservation, just modifying it. Technically, since you did not cancel before 4PM on th...
by goingup
Wed May 30, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on My IRA Asset Allocation
Replies: 2
Views: 348

Re: Thoughts on My IRA Asset Allocation

Boxtrap-
Are you just starting an IRA with $5,500? I think using a Target Fund or Life Strategy fund would be the best until the portfolio contains enough for admiral shares (if using mutual funds). Once the Roth is $50K+ you might want to use individual funds.
by goingup
Wed May 30, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 13923

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

It's kind of fun to NEVER have to worry about the pay off debt or invest question again. Although I guess there is always the question of "should I borrow to buy this or just pay cash for it." I often wonder why more folks don't suggest saving beforehand in order to pay cash for their home, rather ...
by goingup
Sun May 27, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Does Wells Fargo Advisors Require Medallian Signature Guarantee
Replies: 15
Views: 1141

Re: Does Wells Fargo Advisors Require Medallian Signature Guarantee

Let Vanguard pull over the funds in-kind. They quarterback the process. They will tell you what you need once you begin. If they don't tell you to get a MSG, then you don't need one.

Seems to me you're making this harder than you need to.
by goingup
Sat May 26, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: 30 basis points in admin fees for 401-K?
Replies: 7
Views: 422

Re: 30 basis points in admin fees for 401-K?

I think that's pretty reasonable for a small-medium sized plan. Brightscope defines a large plan as over $100 mill in assets. https://www.brightscope.com/financial-p ... 401K-Fees/
by goingup
Fri May 25, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Planning a first home down payment fund
Replies: 10
Views: 845

Re: Planning a first home down payment fund

If you are 2 high earners you likely have already started a taxable account. My suggestion is to save in a taxable account that has tax-efficient broad market funds along with maybe a ST muni fund and Money Market fund-- pretty much what you suggested. We have never segregated the home downpayment f...
by goingup
Thu May 24, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: A Lonely T. Rowe Price Account - Transfer?
Replies: 21
Views: 1236

Re: A Lonely T. Rowe Price Account - Transfer?

^$50 to transfer out of TRP? Might be worth it if you want simplification. Otherwise, just keep it. Advantages at TRP? There are funds that investors like, but by BH standards they're expensive. I used to have an TRP account and still have access to the Morningstar Tools, like Instant X-Ray which i...
by goingup
Thu May 24, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: A Lonely T. Rowe Price Account - Transfer?
Replies: 21
Views: 1236

Re: A Lonely T. Rowe Price Account - Transfer?

^$50 to transfer out of TRP? Might be worth it if you want simplification. Otherwise, just keep it. Advantages at TRP? There are funds that investors like, but by BH standards they're expensive. I used to have an TRP account and still have access to the Morningstar Tools, like Instant X-Ray which is...
by goingup
Thu May 24, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a house, downpayment vs. retirement and other considerations
Replies: 158
Views: 5751

Re: Purchasing a house, downpayment vs. retirement and other considerations

Brantley- Most of us have made our biggest life's decisions without ever consulting an Internet forum. Your spouse is on board. As are your in-laws and parents. You have your down payment and the bank will give you a loan. My bet is that you will make it work. May not be easy but you have heart and ...
by goingup
Thu May 24, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: A Lonely T. Rowe Price Account - Transfer?
Replies: 21
Views: 1236

Re: A Lonely T. Rowe Price Account - Transfer?

Transferring in-kind to either Fidelity or Vanguard is a good move. It's just simpler to have fewer accounts. Make sure the cost basis comes across too. Keep the fund. Send dividends to a settlement account for reinvestment in a different index fund. If an opportunity presents to tax loss harvest, s...
by goingup
Thu May 24, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Short term bonds funds or CD Laddering for down payment house savings?
Replies: 6
Views: 770

Re: Short term bonds funds or CD Laddering for down payment house savings?

One thing I've wanted when saving a DP is easy accessibility to an account. Plunking money monthly into a taxable brokerage account takes only a click or 2 with ACH. CD's are too fussy in that respect. You might consider a short-term bond fund or even Prime Money Market fund at Vanguard. I also had ...
by goingup
Thu May 24, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 166
Views: 13363

Re: Renting vs Owning Your Home

Ben Mathew wrote:
Thu May 24, 2018 12:05 am
Based on a few threads I've seen, it seems to me that many Bogleheads feel that renting and investing the difference builds more wealth.
I never got that impression. Most here are home owners, I'd wager. (Where is a poll when you need one?)
by goingup
Thu May 24, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 13923

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

I'd pay off the mortgage at that rate coupled with the fact you won't be able to deduct interest.

One consideration for me would be cash flow. Without the income of 2 rental properties how will your budget look? Maybe eliminating the monthly mortgage will help keep the balance.
by goingup
Wed May 23, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 30
Views: 2241

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

We have AAA Classic at $92 year, which includes 5 mile towing. I keep it for lock-out, dead batteries, tire change and hotel and shuttle parking discounts. Usually there is some event, boat tour, museum or zoo discount that we use it for 1-2 times per year. I also the like the free paper maps for lo...
by goingup
Tue May 22, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Are there any experienced real-estate people here?
Replies: 39
Views: 3812

Re: Are there any experienced real-estate people here?

Seattle area dweller here. Find the most successful realtor in your zip code and the market here will take care of the rest. I'd try to interview 2-3 and find the one that "gets" you and your grandparents. Selling the house for lots of money is not the big issue. The issue is where will your grandpa...
by goingup
Mon May 21, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Please help me rationalise this 401k investment choice
Replies: 23
Views: 1361

Re: Please help me rationalise this 401k investment choice

Maybe I'm missing something from your 401K options. Here's what I saw on your list: There are some funds that seem to have better performance than the typical Boglehead Index fund, BUT once you calculate the added fees COMPOUNDED, the performance is below the Index funds. I looked at 5 year, 10 yea...
by goingup
Sun May 20, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: When to and when not to “reinvest dividend and capital gains”
Replies: 24
Views: 2435

Re: When to and when not to “reinvest dividend and capital gains”

Reinvest dividends in your tax-advantaged accounts. It's easy and automatic. In a taxable account most people either reinvest dividends because it's easy and automatic, or send dividends to a settlement account for later deployment. (Of course, some people send them to a checking account for spendin...
by goingup
Sat May 19, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Seeking Advice on financing a 2nd home
Replies: 3
Views: 535

Re: Seeking Advice on financing a 2nd home

My decision would be based on whether you've saved the $490K to pay cash for the 2nd home, or whether it's needed to bridge you to your pension. If you need the liquidity, take out a 15yr with a large downpayment. When you sell your primary, pay off the rest of the note. (My bias is to pay off mortg...