Search found 3131 matches

by goingup
Sat Aug 18, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Automatic Investment in a Taxable Account
Replies: 20
Views: 1608

Re: Automatic Investment in a Taxable Account

I have used automatic mutual fund investing for a long time. And auto reinvestment of dividends. It's a great way to accrue wealth. It's easy, automatic and hands-off. Use broad index funds which are tax-efficient. Dividends will be qualified (mostly) and very little in cap gains distributions. Keep...
by goingup
Sat Aug 18, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: Capital Gains on an Index Fund
Replies: 23
Views: 994

Re: Capital Gains on an Index Fund

If you must rebalance do it in a tax-advantaged account. Or do it with new contributions.
by goingup
Fri Aug 17, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Advisor Dumped, Now How to Best Simplify
Replies: 18
Views: 1812

Re: Advisor Dumped, Now How to Best Simplify

I've recently parted ways with my advisor and converted my institutional account to a retail account. I'm hoping you're at Schwab or Fidelity. Hopefully a low-cost broker. I'd sell everything and book that small loss. Your taxable account should be tax-efficient and complement the holdings in your ...
by goingup
Fri Aug 17, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on where to keep safe money
Replies: 10
Views: 1334

Re: Need advice on where to keep safe money

aquamarine wrote:
Thu Aug 16, 2018 9:06 pm
I would just do vanguard prime money market but that is not fdic insured if I'm not mistaken. (Is that not a big concern?)
Using Vanguard Money Market funds never gives me a moment's worry. Have used various ones for 20 years. Why start a new account at a new institution? Keep it simple.
by goingup
Thu Aug 16, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: "Fidelity Zero vs Vanguard: Which index fund is better?"
Replies: 9
Views: 806

Re: "Fidelity Zero vs Vanguard: Which index fund is better?"

The author makes an interesting observation that Dreyfus funds (now part of BNY Mellon) invested his money in their funds, and then raised fees after a while, and presumably he could not cash out due to capital gains. Definitely something to keep in mind for people considering investing in these "z...
by goingup
Thu Aug 16, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 5597

Re: Terminating an employee with company car

The way it happens at my partner's company: *Termination happens at the office *Relinquish all company property immediately- car, phone, credit cards, laptops *HR takes everything, gives final check *Transportation is arranged by employee It's designed to happen as quickly as possible and limit the ...
by goingup
Tue Aug 14, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds Option in 401k
Replies: 2
Views: 205

Re: American Funds Option in 401k

Welcome here! My partner has used American Funds Balanced R-6 ER.28 exclusively for more than 10 years in a 401K. I'm a fan of American Funds, especially in 401K plans where they have no loads! American Balanced is about 65/35 (stock/bond) and is primarily a US fund. I'd compare it to Wellington Fun...
by goingup
Mon Aug 13, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Avoid unqualified dividends by selling a lot too quickly when TLH.
Replies: 3
Views: 459

Re: Avoid unqualified dividends by selling a lot too quickly when TLH.

I'll give your thread a bump for more visibility. I'm not an expert but I've done a few TLHs. Turn off dividend reinvestment in both your old fund and the new fund. Take dividends in cash. There will be no issue about qualified/unqualified. From experience, don't count on being able to do a round tr...
by goingup
Mon Aug 13, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Please comment on our retirement allocation
Replies: 9
Views: 1013

Re: Please comment on our retirement allocation

Your portfolio is very appropriate for your situation. I wouldn't change it at all.
by goingup
Sun Aug 12, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3257

Re: Cleaning gas grill

The grates are pretty easy to clean when hot with either a wire brush or wood paddle. I line the drip pan with heavy duty foil and change that out as needed (when it's disgusting).
by goingup
Sun Aug 12, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: 401K loan vs taxable vs Roth IRA
Replies: 10
Views: 523

Re: 401K loan vs taxable vs Roth IRA

We've used taxable accounts for downpayments, car purchases, etc. I'd use LT shares with little appreciation, or those with losses. If you sell your international fund shares now, for instance, you could rebalance by directing new contributions back to international. I'm not too shrewd about using 4...
by goingup
Fri Aug 10, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3198

Re: Offering 401k Advice to my coworkers?

As an example, my email contained a disclaimer about the default allocation setting Vanguard offers: they pre-select a Target Retirement Fund (TRF) Index in which they determine the year you are most likely to retire and automatically enroll you in a target fund for that year that contains a certai...
by goingup
Thu Aug 09, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 4909

Re: Air Conditioning? [How to finance?]

Seattle area resident Today will reach 82°F (currently my house 75°F outside 78°F, 47% relative humidity mostly sunny), with no more days above 80°F for all of August. Slightly warm day for Seattleites. Hmmm. It's been a little hotter than that.. SUN 8/5 Actual Temp 84° /59° Hist. Avg. 77°/59° MON ...
by goingup
Thu Aug 09, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 8936

Re: Biggest Threats to Financial Well-Being

1. Death - obvious 2. Extended length of unemployment - I can shake off a few weeks or even months of unemployment, but anything longer than 6 months would significantly dent my savings account 3. Major medical illness 4. Divorce ^That's a good list of the big dangers. Less obvious things that can ...
by goingup
Thu Aug 09, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Looking for a pep talk
Replies: 26
Views: 3063

Re: Looking for a pep talk

My overall asset allocation is 20% bonds, 20% intl stocks, 48.5% us stocks, 8% alternatives/REIT’s, and 3.5% cash. Actually you have about 32% cash of investable assets. You have $215K and $12K cash. This cash won't appreciate much. :| Plus the bonds you own. If you want to figure out why things ar...
by goingup
Tue Aug 07, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Coldness Pismo beach water
Replies: 24
Views: 1692

Re: yes Avila Beach

obviously the water will still be cold as its 10 minutes away. It is out of the fog though and a nice small beach. Just drive up from Pismo and take the Avila Beach exit. That is true. It's a small sandy beach and nice for kids. Kites are a really fun thing for kids on the big expanse of Pismo Beach.
by goingup
Tue Jul 31, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 4909

Re: Air Conditioning? [How to finance?]

Seattle area dweller here. The summers have gotten hotter in the 10+ years we've lived here. Got central air installed in March, after signing contract in the fall. If you can wait until October or so, you'll be able to more easily schedule bids and review them "cooly". I got three and took the lowe...
by goingup
Mon Jul 30, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Pay Off...best method?
Replies: 23
Views: 2864

Re: Mortgage Pay Off...best method?

My big bank required a wire transaction. The instructions and payoff amount could be pulled up on-line (no payoff letter needed). I went to the branch and wired the payoff amount to the mortgage arm of that big bank. The result was immediate. The next day I pulled up the mortgage account on line and...
by goingup
Sat Jul 28, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Tinkering with Multiple 401(k)s
Replies: 11
Views: 772

Re: Tinkering with Multiple 401(k)s

I'm all for consolidation and simplification, but keeping the $50K bond fund in your old 401K seems like the best option right now. When you retire you could roll into a tIRA. Or maybe your current 401K plan will offer better bond options in the future, at which time you could roll the $50K into it....
by goingup
Sat Jul 28, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: Barrons: The Top Robo Advisors
Replies: 17
Views: 1843

Re: Barrons: The Top Robo Advisors

I was surprised to learn that PAS is considered a robo advisor. (Couldn't read the Barron's article due to paywall.)
by goingup
Wed Jul 25, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in guaranteed return or stock market?
Replies: 73
Views: 3269

Re: Invest in guaranteed return or stock market?

Lots of folks here say that "paying off your mortgage is a guaranteed x% return". So let's assume it is paying off a loan, or getting a return on a loan with no chance of default, or paying off a mortgage, whatever. If your scenario for earning a guaranteed 4% return is paying off a mortgage then y...
by goingup
Wed Jul 25, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Admiral Fund or ETF for 3-Fund?
Replies: 31
Views: 2038

Re: Admiral Fund or ETF for 3-Fund?

As far as I know, dividends for ETFs are always sent to your settlement fund and you can't purchase partial shares in an ETF. This is not the case: dividends can be automatically reinvested in ETFs. Yes, you can auto-reinvest ETF dividends at Vanguard. From Vanguard web site: What is the Vanguard B...
by goingup
Tue Jul 24, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: My Portfolio: Should I Have Gone with a Three Fund?
Replies: 16
Views: 2212

Re: My Portfolio: Should I Have Gone with a Three Fund?

I'm not a fan of backtesting. In my real life portfolio, contributions have been lumpy and uneven over the last 20 years. It seems unrealistic to compare that to a sleek 60/40 backtest, where contributions are added uniformly. One thing I note in your portfolio is mostly short bonds and munis. That'...
by goingup
Wed Jul 18, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Realizing 85% of 401k contribution going to bonds
Replies: 21
Views: 2674

Re: Realizing 85% of 401k contribution going to bonds

I never had the resolve to lard up our 401Ks entirely with bonds. The balanced funds were much cheaper and I could not bear to forego the growth. We hold 1/2 bonds in intermediate munis in a taxable account.

It's apparently not optimal tax-wise, but at this point I'm rather set in my ways.
by goingup
Tue Jul 17, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I reduce the death benefit of my term life policy?
Replies: 20
Views: 962

Re: Should I reduce the death benefit of my term life policy?

I'm not one to over insure. I'd drop to $500K and get it billed quarterly or annually for convenience. (Our term through USAA is billed quarterly.) Also, do you have a policy through your employer?
by goingup
Tue Jul 17, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9726

Re: Why own a bed?

This thread gets my vote for one of the silliest yet here on Bogleheads. It's certainly near the top but it seems like a worthy contender pops up almost daily. My vote for silliest is "How Long to Keep a Kitchen Sponge". https://www.bogleheads.org/forum/viewtopic.php?t=210945 At least a bed costs m...
by goingup
Mon Jul 16, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Any source for: "If markets fall X%, a X/X portfolio will fall X%?
Replies: 10
Views: 853

Re: Any source for: "If markets fall X%, a X/X portfolio will fall X%?

Here's a chart from the BH wiki:

Asset Allocation %
(Stock/Bond) Exposure to
Maximum Loss
20/80 5%
30/70 10%
40/60 15%
50/50 20%
60/40 25%
70/30 30%
80/20 35%
90/10 40%
100/0 50%

https://www.bogleheads.org/wiki/Asset_allocation
by goingup
Mon Jul 16, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity PAS - starting the process to extricate
Replies: 9
Views: 887

Re: Fidelity PAS - starting the process to extricate

The problem is my wife. She also has this fear that I will be 'day trading' with her retirement account. I do plan to ask her to login and let me take a look at the account. She can be difficult and unpredictable. I'm sure you have the best intentions, but it sounds rather like you're bullying her ...
by goingup
Thu Jul 12, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 33
Views: 5974

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

We have a property management company but I'll you why I would specify no sublets in the lease. As mentioned, you haven't screened the other 2 occupants. There will be additional wear and tear on your rental. These other 2 will have cars and likely overnight guests. If you want to tick off all your ...
by goingup
Thu Jul 12, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Grandpa's 88 and has term life insurance
Replies: 39
Views: 3004

Re: Grandpa's 88 and has term life insurance

When I buy a SPIA in 10 years or so, I plan to outlive the actuarial estimates and have the "last laugh". But if I had to spend $900 per month on a small insurance policy I might be tempted to underperform the estimates and check out early. Be careful what you incentivize.
by goingup
Wed Jul 11, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score after becoming debt free?
Replies: 48
Views: 3803

Re: Credit score after becoming debt free?

Your credit score will take a hit. Ours went down about 30 points for a couple of months when we paid off our mortgage. We have several credit cards though, and that may have helped get our score back quickly. Yes, our credit score just dropped 21 points after paying off the mortgage in May. Guess ...
by goingup
Wed Jul 11, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Recurring investments in taxable account
Replies: 26
Views: 1990

Re: Recurring investments in taxable account

I wouldn't like paying trading fees. Your taxable account will grow and you'll likely at least one other fund. Monthly fees will add up. If you prefer using mutual funds and not ETFs, it would be cheaper to be at Vanguard. If ETFs are OK, I'd move to a broker that doesn't charge trading fees for Van...
by goingup
Tue Jul 10, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Should I move all my investments to Vanguard?
Replies: 31
Views: 2432

Re: Should I move all my investments to Vanguard?

Taylor Larimore often posts his list of benefits in using a single custodian. I agree and hope he doesn't mind me reposting his list! 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 sma...
by goingup
Tue Jul 10, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Target date funds....unsophisticated?
Replies: 64
Views: 4778

Re: Target date funds....unsophisticated?

Jonathan Clements wrote about Target Funds recently. http://www.humbledollar.com/2018/07/one-and-only/ He has advised his daughter and sons to use them. He uses them himself in 2 smaller accounts to "keep things simple". I used TR2025 and 2035 until our accounts got larger and stretched mainly acros...
by goingup
Sun Jul 08, 2018 1:47 pm
Forum: Forum Issues and Administration
Topic: New Forum User - how fast do PM get sent?
Replies: 7
Views: 588

Re: New Forum User - how fast do PM get sent?

That was nice to PM all respondents. It's more common to just respond in the thread you started to thank respondents and to communicate which suggestions were helpful, etc. Either way, I always appreciate it when the OP circles back to comment. Abandoned threads are discourteous. :annoyed
by goingup
Sun Jul 08, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 4200

Re: Tipping in a hotel room/cruise ship room

I think tipping might be an older generation thing. Younger people really don't carry cash. (My observation.) I'm old and carry cash and tip daily in a hotel room--$2-3. On cruises we have prepaid gratuities. Valet parking $2-5.
by goingup
Sun Jul 08, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3397

Re: Trying to hit grand slam with small % portfolio?

I don’t see why people here object to say 10-20k allowance (from low 7 figure portfolio in mid 40s) to some speculative high risk high reward investments like individual stocks, small cap biotech funds, cryptos, etc. The 10-20k would hardly be noticed if lost, but the upside could pay for a nice va...
by goingup
Fri Jul 06, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Wanting to self-manage retirement accounts - Advice Requested
Replies: 12
Views: 1543

Re: Wanting to self-manage retirement accounts - Advice Requested

Yes, self-manage. If your assets are at Fidelity or Schwab you can tell your advisor you now wish to self-manage your account. This change in status should have no tax consequences. Simplify your holdings. Your IRAs are 10% (total) of your holdings. One fund per account would suffice. I'd hold most ...
by goingup
Thu Jul 05, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-deductible 403b vs. taxable Vanguard ETF
Replies: 26
Views: 1253

Re: Tax-deductible 403b vs. taxable Vanguard ETF

Those fees are ridiculous. Maybe an Illinois teacher can weigh in here to help. Is it possible there are 403B options you haven't discovered yet? Do you have access to a 457 plan?

If the admin fee is truly 2.5% I'd probably pass and save in a taxable account, using tax-efficient funds.
by goingup
Thu Jul 05, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: 401k fees...what's "too high?"
Replies: 50
Views: 3299

Re: 401k fees...what's "too high?"

Administrative fees in 401K plans are very common. It means the employer has not entirely unwritten the cost of the plan. The fees you mention aren't great, but aren't exorbitant either. I'd absolutely max out that 401K plan. Contributing to a 401K lowers taxable income and is an effortless automati...
by goingup
Tue Jul 03, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation once you reach your target
Replies: 42
Views: 3130

Re: Asset Allocation once you reach your target

I do think about this a lot. The wage earner in our house is going to retire this year--age 49. I'm 57, retired. Because we have 30-40 more years of investing, we plan to stay at 60/40 for the long run. An asset allocation has a lot to do with how risk averse you are, and how wide the margin of erro...
by goingup
Mon Jul 02, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4792

Re: Retiring in Michigan (Ann Arbor)

Grew up in MI, graduated from UM and have most of my immediate family in AA area. That said I'm a Left Coaster now. If my only choices were Ann Arbor or LA/Orange County, I might choose AA. However, if I could pick San Diego, San Luis Obispo or Santa Cruz--well, I'd opt for the CA sunshine, mountain...
by goingup
Mon Jul 02, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Rented car, got rear ended - hit and run
Replies: 20
Views: 2315

Re: Rented car, got rear ended - hit and run

Interesting discussion. I'm now looking into getting either Chase Sapphire Preferred (or Reserve) because of this primary coverage feature with car rentals. Our auto policies have $1,000 deductibles which I think would mean I'd be out of pocket for minor rental car accidents because our current CC h...
by goingup
Sun Jul 01, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 621

Re: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?

ny_rn wrote:
Sun Jul 01, 2018 1:54 pm
Are you sure you have to cash out and have a check sent?
I agree this is important to know. In my experience this type of transition has been seamless to me.
by goingup
Sun Jul 01, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13549

Re: What are your property taxes?

King County, WA (Seattle area): $7800 on assessed value $635K, market value $850K. No state income tax. Sales tax 10%.
by goingup
Sun Jul 01, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8159

Re: What % of your equity is int’l?

Our international is 22% of equity. I'm OK with 20-30% and let it drift.

Vanguard suggests this: To further diversify your stock portfolio, consider allocating 30% to 50% to foreign stocks.
by goingup
Fri Jun 29, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: "How to invest without regret" - Daniel Kahneman
Replies: 20
Views: 2791

Re: "How to invest without regret" - Daniel Kahneman

I'm not sure how this helps someone with loss aversion. Seeing the losses concentrated in one portfolio would make it worse, at least for me. I'm totally on board with using a few techniques to minimize panic when markets crater. It's about creating space so irrationality doesn't take over. Kahnema...
by goingup
Thu Jun 28, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8955

Re: "homemade dividends" from Total Stock Market fund

Two points: 1. Taking out a dividend when the market is down has the same effect as selling shares when the market is down. I have to admit that this point has me stumped. Taking a dividend in cash is the same as withdrawing from a fund, but it's not the same as selling shares. Doesn't matter if th...
by goingup
Wed Jun 27, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is this correct? 5-6 Days Sell VTEB to Checking Account
Replies: 21
Views: 1742

Re: Is this correct? 5-6 Days Sell VTEB to Checking Account

hudson- I saw your post earlier and tried to find an answer. No luck. I don't use ETFs and I could not find the answer on the Vanguard site or elsewhere. For Vanguard mutual funds at Vanguard, I can sell and the money will be available in my checking account in T+2 days. That is, the transaction dat...
by goingup
Wed Jun 27, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Midlife investing crisis? At a crossroads; need book advice.
Replies: 29
Views: 2431

Re: Midlife investing crisis? At a crossroads; need book advice.

Pajamas wrote:
Wed Jun 27, 2018 12:06 pm
Except for that accidental rental property, seems like you are doing everything right.
You've derailed this entire thread with this odd remark.

A paid off rental property isn't a bad way to diversify one's assets. OP--You might consider buying another. :beer