Search found 2844 matches

by goingup
Tue Feb 20, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: New Seattle travel suggestions request
Replies: 10
Views: 614

Re: New Seattle travel suggestions request

Staying near the airport is pretty far from the downtown sights. You might want to get a hotel downtown for a couple nights. We have taken guests to the following, most of which are walking distance or uber ride from downtown hotels. Pike's Market Space Needle Olympic Outdoor Sculpture Park Seattle ...
by goingup
Tue Feb 20, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 31
Views: 2895

Re: Staying Motivated: How do you ward off hopelessness?

Not to sound too cavalier about this, but maybe pay less attention to your investment balances. The most fruitful work we did in improving our NW was done on autopilot, when no one was paying attention. Automatic contributions over decades, accumulating unfettered, gave us solid financial footing. A...
by goingup
Mon Feb 19, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: What seems to matter
Replies: 19
Views: 2323

Re: What seems to matter

Robert T-
Loved your post. Agree entirely.

It's like Jack Bogle says: "Get the big things right."
by goingup
Sun Feb 18, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 6619

Re: Sell me on the benefits of an emergency fund

The idea is to be able to keep yourself afloat if something unexpected happens, without going into debt. We don't have a separate EF; it's part of our 60/40 portfolio. I guess the whole portfolio, especially taxable account, would become an EF in case of a prolonged crisis. The decision to have a de...
by goingup
Sat Feb 17, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Going from non-admiral funds to admiral
Replies: 14
Views: 1272

Re: Going from non-admiral funds to admiral

I just want to exchange my IRA funds small cap value index VISVX to small cap value admiral VSIAX within the same account obviously. Have you reached the threshold? Admiral shares require an investment level of $10,000 for this fund. My experience has been that once you reach that amount, a button ...
by goingup
Sat Feb 17, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Are we TOO diversified? Time to hire a professional? Who has?
Replies: 14
Views: 1833

Re: Are we TOO diversified? Time to hire a professional? Who has?

Diversification of custodians is what you're asking about? Many favor simplicity, which might be 1 or 2 custodians. Sometimes that isn't possible when there are 401Ks, 403Bs etc, in the mix. If you were looking to consolidate, you could start with rolling out of USAA to either Vanguard or Fidelity. ...
by goingup
Fri Feb 16, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Reality of the market being "down"...
Replies: 10
Views: 1002

Re: Reality of the market being "down"...

So the point remains the same. We are still at a near all time high in the stock market. I like how you tried to give perspective to your friend. When I consider our portfolio losses, it's less painful to use %'s rather than $$'s. Even less painful to consider YTD benchmark, rather than "all time h...
by goingup
Thu Feb 15, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: American Funds 401k Advise
Replies: 19
Views: 769

Re: American Funds 401k Advise

I think it's pretty clear that he has just what he says he has - a Simple IRA that purchases A shares with a front-load. I could be wrong, but what I read is he has an American Funds R4 share Target Fund in a company-sponsored 401K plan with a 3% match. He thinks there is a 3.5% load, which I'm que...
by goingup
Thu Feb 15, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: American Funds 401k Advise
Replies: 19
Views: 769

Re: American Funds 401k Advise

Kickstart- I don't think R4 shares have sales loads. Most times the funds in 401Ks don't have sales loads. You can have a regular (I don't think you mean SIMPLE) IRA at any broker, i n addition to your 401K plan. I wouldn't use American Funds for an IRA. I'd open a Roth IRA at Vanguard, Fidelity or ...
by goingup
Mon Feb 12, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy
Replies: 15
Views: 994

Re: Investment Strategy

Don't agree. Accumulators should be accumulating. We do it through 401K contributions and auto-investing in taxable accounts. Nothing has changed for us in decades of investing.
by goingup
Mon Feb 12, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7104

Re: I’m not renewing my Costco membership.

I rarely shop there but find membership valuable for:
*rental cars--Costco has best rates, free additional driver, no pre-pay, easy cancellation
*electronic purchases--good prices, extended warranty

Sounds like it's not worthwhile for your purposes. Good for you--culling things that add no value!
by goingup
Mon Feb 12, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Help new boglehead understand expense ratios
Replies: 11
Views: 790

Re: Help new boglehead understand expense ratios

Note: The fund returns DO NOT account for the 5.75% front end load of a fund like EKJAX. Essentially, the day you purchase EKJAX you're starting in a 5.75% hole! This point is very important! Each purchase (though not dividend reinvestment) is dinged by the load fee. Some fund families have decreas...
by goingup
Sun Feb 11, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 278
Views: 39373

Re: Selling all equities, discuss why I'm wrong. :)

You panicked and sold your entire equity position. I can't imagine there is an investor on this board that thinks that was a good idea. Now what? What is your plan going forward? I am not going to judge as I do not have enough information to do so. yes, I agree. My decision is not turning out well....
by goingup
Sun Feb 11, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Should I tax loss harvest this downfall? I've never done it before.
Replies: 7
Views: 883

Re: Should I tax loss harvest this downfall? I've never done it before.

You must determine your cost basis of your shares in your taxable account. If you have a Vanguard account, log into the section called Cost Basis. If you see red that means you own shares with a loss. Frankly, it doesn't mean anything to say you're down $40K. Nearly everybody is down a lot from the ...
by goingup
Sun Feb 11, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 103
Views: 4839

Re: how did you determine your risk tolerance?

It's a useful exercise to gage how you're feeling about the correction so far. I'd say it's too early to make conclusions. My thought is it's better to be slow and stubborn about any changes to an AA or fund selection. The changes you're talking about are not consequential--yet I think it's better n...
by goingup
Sat Feb 10, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: your assets - now verses end of year?
Replies: 38
Views: 2362

Re: your assets - now verses end of year?

Are you asking about assets or investable assets only? Investable assets for us are down 2-3%. I use Balanced Fund, Wellington, Life Strategy Moderate Growth as a proxy. That's close enough for me. I'm less interested in assigning a total $$ value. That's a bit glum. :| If you're using index funds a...
by goingup
Fri Feb 09, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4880

Re: I didn't tax-loss harvest this month, did you?

No, not yet.
I haven't purchased much in equity funds lately, so the losses aren't steep. I checked this morning and had maybe $1000 in TSM and less than than in TISM. My threshold is $5K in losses. Losses in Intermediate Muni are close to $3K so I'm keeping an eye on it.
by goingup
Thu Feb 08, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: SCHB vs. SWTSX
Replies: 5
Views: 492

Re: SCHB vs. SWTSX

Here's a Boglehead wiki article about the difference between ETFs and mutual funds. https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds

I prefer funds, for simplicity. Lots of people love ETFs, for their nimbleness. It really is a matter of preference.
by goingup
Thu Feb 08, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Why does my wife have this portfolio?
Replies: 32
Views: 3754

Re: Why does my wife have this portfolio?

She has decided she can’t pull the trigger. She LOVES her Wells Fargo adviser and thinks he is so good she wants to keep her money there. OP- That's your answer. She's known this guy longer than you've been married. She's got her own nestegg and trusts her advisor. Putting yourself in the middle of...
by goingup
Wed Feb 07, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Helping parents reduce taxes (dividends)
Replies: 27
Views: 1399

Re: Helping parents reduce taxes (dividends)

Her portfolio looks tax efficient to me. The tobacco stocks might throw off 4%?

As suggested by another poster, maybe there is something else going on. When did she start taking SS?
by goingup
Wed Feb 07, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help re-arrange things to prepare for tax-loss harvesting
Replies: 5
Views: 258

Re: Help re-arrange things to prepare for tax-loss harvesting

There are questions as to whether workplace plan contributions (401K, 403B etc) even figure into the wash-sale rules. Many here have suggested these type don't, although IRA (Roth and Traditional) do figure into wash-sale calculation. So, no I would not change your wife's 403B contributions from the...
by goingup
Fri Dec 15, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Year End Distribution for ACINX
Replies: 10
Views: 735

Re: Year End Distribution for ACINX

munemaker- Looks like LAIAX (class A) shares are payable 12/18. The range of the cap gains distributions is 5.49%-5.81% of NAV for class A shares. I would think (though I don't know) that it would be the same for institutional shares. https://www.columbiathreadneedleus.com/content/columbia/pdf/2017_...
by goingup
Fri Dec 15, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: What happened to Bridgeway???
Replies: 14
Views: 1523

Re: What happened to Bridgeway???

Dividends? Capital Gains distributions? Tis the season.
by goingup
Thu Dec 14, 2017 5:51 pm
Forum: Investing - Theory, News & General
Topic: Ensuring I don't buy the dividend
Replies: 28
Views: 1598

Re: Ensuring I don't buy the dividend

anonsdca- Not buying the dividend is common wisdom. Personally, I would only care if it was a large purchase, but the rule remains true for any buy in a taxable account. Say I bought $100K of Wellington today. A week or so from now Vanguard will send me a $3,900 dividend which I will owe taxes on in...
by goingup
Thu Dec 14, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: I’ve made huge errors and hope it’s not too late
Replies: 35
Views: 4967

Re: I’ve made huge errors and hope it’s not too late

I'm a bit more dour than the other posters. :shock: This is just my opinion, but you should proceed with caution. I've read that advisors discuss clients like you as being their biggest challenge. You are now being lured into the market because you can't stand the regret any longer. You feel you hav...
by goingup
Thu Dec 14, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Recast mortgage as part of a pay down strategy
Replies: 60
Views: 3142

Re: Recast mortgage as part of a pay down strategy

Why else would the bank allow this to happen yearly? :wink: Many banks charge a nominal fee for it. Also, they would prefer to keep your business (the loan) rather than have you leave and refi with somebody else. Since you'll be paying the exact same amount of interest in a recast, it doesn't matte...
by goingup
Thu Dec 14, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Recast mortgage as part of a pay down strategy
Replies: 60
Views: 3142

Re: Recast mortgage as part of a pay down strategy

From a risk mitigation perspective reducing the required monthly outlay to me seems like there is a value there. Is there a risk to mitigate? Most people responding to your post are concluding there doesn't appear to be a risk and you're using time and energy with little benefit. You seem adamant a...
by goingup
Thu Dec 14, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Only Wellington and Wellesley in retirement portfolio. Is that a good idea?
Replies: 15
Views: 2510

Re: Only Wellington and Wellesley in retirement portfolio. Is that a good idea?

I think it's a fine idea. Very easy to maintain. My only qualm would be there's very little international in either fund. I might consider pairing Wellington Global with plain old Wellesley.
by goingup
Wed Dec 13, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable vs. Tax Deferred - not much difference?
Replies: 56
Views: 4424

Re: Taxable vs. Tax Deferred - not much difference?

Plus you'd have the benefit of always having that money available (in taxable) should you need it for any reason. This really isn't a benefit. Retirement savings should be locked in the vault, so it's hard to get to, and ready for you when you no longer earn income. A guy posted here recently who h...
by goingup
Wed Dec 13, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Who is Right Me or Spouse
Replies: 51
Views: 3262

Re: WHO IS RIGHT ME or SPOUSE

Same $100, just address the card to both of them. Yes, this is how I handle married nieces. Send a crisp $100 to each of our 4 nieces, now all married and with children. The card reads, "Have pizza on us! Merry Christmas". My oldest niece is 46 now but I can't help but think getting a crisp Benjami...
by goingup
Wed Dec 13, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: buying Vanguard VTI in my Etrade acct verses Vanguard?
Replies: 4
Views: 301

Re: buying Vanguard VTI in my Etrade acct verses Vanguard?

I think that's a tough question to answer without knowing how many trades you'll make into how many funds. For instance, if you plan to contribute to 3 funds each month, you'll pay 3 X 12 X 4.95. That's $178. When you pay $0 trading fees, you're not constrained by them. I don't pay trading fees, but...
by goingup
Wed Dec 13, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Quantity of places to hold assets
Replies: 11
Views: 970

Re: Quantity of places to hold assets

Taylor has a list of reasons he feels are beneficial to holding assets at one administrator. Some of the reasons are: Easier to manage Easier for heirs to manage Benefits are afforded to biggest customers Usually lower ERs, trading costs Fewer tax forms to organize I'm in favor of keeping the number...
by goingup
Tue Dec 12, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 17136

Re: What to do after losing $117k in stock market?

Ten years ago, I lost $210K while still in school (student loans and credit cards). My suggestion would be to contribute to tax advantaged accounts up to the limit, then put the rest toward student loans. It is nice feeling to see declining loan balances. It provides a sense of accomplishment that ...
by goingup
Tue Dec 12, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Quantity of places to hold assets
Replies: 11
Views: 970

Re: Quantity of places to hold assets

Many on this forum are all in or have substantial assets in Vanguard. To say they are "informed" is understated. According to Morningstar, Vanguard has approx 4.5 Billion in assets under management . And, six out of the 10 largest mutual funds by asset size belong to Vanguard, with the largest, Van...
by goingup
Tue Dec 12, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 17136

Re: What to do after losing $117k in stock market?

Ten years ago, I lost $210K while still in school (student loans and credit cards). My suggestion would be to contribute to tax advantaged accounts up to the limit, then put the rest toward student loans. It is nice feeling to see declining loan balances. It provides a sense of accomplishment that ...
by goingup
Mon Dec 11, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Tax Consequences of Un-Jointing a Joint Account
Replies: 19
Views: 1019

Re: Tax Consequences of Un-Jointing a Joint Account

Yes, just call Vanguard. It can't be an uncommon request. I'm sure it can be done without selling or tax consequence. (You do not have to tell us why.)
by goingup
Sun Dec 10, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?
Replies: 23
Views: 1386

Re: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?

Since these funds are long term buy and hold and you don't wish you spend the dividends, I'd reinvest for simplicity. If you use SPEC ID, these reinvestments may afford you the chance to TLH if/when the market tanks and those new purchased shares lose value. Otherwise they appreciate and rock on! I ...
by goingup
Sun Dec 10, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 13098

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

Another move is imminent, likely back to CA, and this time we have vowed to ‘get it right.’ But how? Married 10 years, a dear daughter, and decent jobs. I suspect you've been getting it right all along! I'm an incrementalist. Small steps in a positive direction. Write out goals and intentions. Move...
by goingup
Sat Dec 09, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging managed funds for Indexed funds
Replies: 10
Views: 617

Re: Exchanging managed funds for Indexed funds

in a taxable vanguard account i have a mix of indexed and managed funds - i have learned in the past 5 years to only purchase index funds to avoid the yearly tax penalty that comes from managed funds - we have about $ 90,000 in profits in the managed funds plus another $ 40,000 in profits from abou...
by goingup
Sat Dec 09, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund
Replies: 14
Views: 1553

Re: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund

A lot of articles and discussion over the years appear to recommend no higher than a 50% of bond allocation to tax exempt bonds . A couple years ago Alan Roth was suggesting no more than 20% munis in a bond allocation. http://blog.aarp.org/2015/07/14/4-reasons-not-to-load-up-on-muni-bonds/ Muni bon...
by goingup
Sat Dec 09, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund
Replies: 14
Views: 1553

Re: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund

A lot of articles and discussion over the years appear to recommend no higher than a 50% of bond allocation to tax exempt bonds . A couple years ago Alan Roth was suggesting no more than 20% munis in a bond allocation. http://blog.aarp.org/2015/07/14/4-reasons-not-to-load-up-on-muni-bonds/ Muni bon...
by goingup
Fri Dec 08, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Gift Giving Strategy for Married Couples
Replies: 20
Views: 1744

Re: Gift Giving Strategy for Married Couples

I have trained myself to be a better gift giver because it doesn't come naturally to me. I'm not a "stuff" person. However, Christmas gifts are meaningful to my SO and other family members. Therefore, I try to think hard about what will be appreciated and enjoyed. Some years I'm able to elicit delig...
by goingup
Fri Dec 08, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 65
Views: 22862

Re: Fidelity charges to close accounts!

IMO, those who leave a dollar or similar to “show them” are spiteful and childish. Moreover it has no material impact. Huh? Why is it not savvy rather than spiteful? The material impact is objectively $50. I'm not the poster who said that, but I don't find it savvy to keep a $1 in an account to out...
by goingup
Fri Dec 08, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Does a Boglehead ever time the market?
Replies: 65
Views: 4548

Re: Does a Boglehead ever time the market?

So it seems to me that Mr Bogle is advocating that it is unwise to invest in overpriced markets, so the best thing I can do as an indexer, is to wait until the market is fair valued or undervalued, then invest for the long term in index funds. I think you're taking the wrong lessons from Jack Bogle...
by goingup
Thu Dec 07, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 5879

Re: What do Bogleheads say when they don't want to spend money?

This is a strange thread. Someone today was telling me about a show they watch on Netflix. They asked me if I'd seen it. Nah, don't have Netflix, I said. Shrug. No further explanation needed.
by goingup
Thu Dec 07, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Timing the housing market
Replies: 35
Views: 2661

Re: Timing the housing market

Afty wrote:
Wed Dec 06, 2017 1:39 pm
There's no guarantee that when the market softens, it will soften below the current price.
Like the stock market, home prices can stay irrational longer than you can stay solvent.
Excellent points!
by goingup
Thu Dec 07, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Analyzing Expense Ratios
Replies: 39
Views: 2386

Re: Analyzing Expense Ratios

Choose pre-tax or post-tax contributing, but do participate. The automatic payroll deduction (forced savings) is the chief reason people are able to accrue large retirement nest-eggs in 401Ks. The fees you've mentioned aren't great. It is unusual to pay loads in a 401K, but you said you took the inf...
by goingup
Wed Dec 06, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 65
Views: 22862

Re: Fidelity charges to close accounts!

We found out the same thing today. You can either close the account and they charge you $50 or leave a minimum of $50 in the account. This is a Traditional IRA. They told us they would also do the same for our Roth IRA. What a ripoff! Vanguard does not charge this fee. I think we'll just eat the $1...
by goingup
Wed Dec 06, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Timing the housing market
Replies: 35
Views: 2661

Re: Timing the housing market

So what are your thoughts on timing the housing market when shopping for a home? If it were easy to do this, everyone would do it. It's not. If you're in absolutely no hurry you can wait until the market softens. You'll know this because there will be lots of inventory and people will begin talking...
by goingup
Wed Dec 06, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 267
Views: 18663

Re: Do people still use AAA?

Yes, since the 90's. Towing, lock-outs, dead batteries, maps, hotel discounts. I got 10% off theater tickets last week which was nice. We also have roadside service with LandRover but having AAA is cheap insurance. I think it's $90/year for 2 drivers.