Search found 3032 matches

by goingup
Wed May 23, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 23
Views: 1166

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: 38
Views: 3156

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: 1245

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: 2222

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: 1
Views: 245

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...
by goingup
Fri May 18, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Sell or rent first home?
Replies: 9
Views: 609

Re: Sell or rent first home?

Factor in that in order to be eligible for a capital gains exclusion when you sell, you must have lived in the home for 2 of the last 5 years.

I'd sell, capture the appreciation and get the cap gains exclusion. The rental won't clear very much after taxes and insurance.
by goingup
Fri May 18, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Chase CS playing games w/me
Replies: 28
Views: 2711

Re: Chase CS playing games w/me

I guess, for those of you who make early principal payments towards your mortgage every now and then, take a closer look and make sure everything is on the up-and-up. How do you make a payment over the phone? I guess I don't understand how that works. Just paid off our WF mortgage. They really had ...
by goingup
Thu May 17, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 26
Views: 3105

Re: more rotten service from Vanguard

Used the voice identification system and when I got the rep she claimed I had to go through the system again; this is the second time there alleged system designed to speed things up hasn't worked do you know that if you ACH money from Vanguard to your bank it's available once the funds hit your ba...
by goingup
Thu May 17, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Do I pay towards my mortgage or invest?
Replies: 29
Views: 2171

Re: Do I pay towards my mortgage or invest?

Unless you want to prepay your mortgage (meaning you have a strong inclination and a strategy), I'd skip that option.

Are you on track with your savings goals? If so, then build the deck.
by goingup
Thu May 17, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Multiples credit pulls on a mortgage app
Replies: 15
Views: 1077

Re: Multiples credit pulls on a mortgage app

My banker made a goof and accidentally ran my credit twice for my mortgage application within a week period. It shouldn't matter. Multiple credit pulls happen when people shop for mortgages. From consumerfinance.gov: You can shop around for a mortgage and it will not hurt your credit. Within a 45-d...
by goingup
Thu May 17, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing in 8 years. Buy now?
Replies: 18
Views: 1629

Re: Downsizing in 8 years. Buy now?

With interest rates going up and the price of housing going up (doubling every 10 years in my area), ... Housing goes through periodic slumps. It may seem like a straight trajectory up, but it's not. We've owned 3 homes in 30 years in 3 different areas of the country. There were really soft housing...
by goingup
Wed May 16, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 5990

Re: Neighbor wants to use our land temporarily - let them or not?

At this point be the nice neighbor and let them continue to use your lot. Ask them to clean up well when they finish. I suspect the neighbor has a nice lawn and thought it wouldn't hurt anything to stage on OP's vacant lot. I wouldn't do that. I'd drop the pallets of tile in my own driveway. But thi...
by goingup
Tue May 15, 2018 8:01 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 2593

Re: How did you fall in love with investing?

For 15+ years I used 1% AUM advisors (with high E.R. active funds). I eventually stumbled upon Paul Farrell's Lazy Portfolios column, which piqued my curiosity. I built a "Bill Schultheis Coffeehouse Portfolio" (at the original TD Waterhouse), and eventually fired my advisors. I kept educating myse...
by goingup
Tue May 15, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 3929

Re: Three fund portfolio performance

Running that AA thru Portfolio Visualizer shows a respectable return of 7.32% for June to April. There must be other variable at play in the OP's portfolio. (Sorry about the formatting. I should learn how to post tables correctly.) Portfolio Analysis Results (Jun 2017 - Apr 2018) Link PDF Excel Port...
by goingup
Mon May 14, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: Volatility tolerance build up
Replies: 11
Views: 856

Re: Volatility tolerance build up

I might suggest to reserve your judgement about how risk tolerant you truly are. Overconfidence is a peril in long bull markets. The pullbacks you have seen in your investing career have been short. When the market tanks day after day for months it starts to feel as though it will never end. That's ...
by goingup
Mon May 14, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Sell/Wait to meet desired allocation in Fido taxable
Replies: 9
Views: 475

Re: Sell/Wait to meet desired allocation in Fido taxable

You're talking about swapping 12% of your $190K portfolio ($22800) into a Total Market ETF, correct? Your ST gains are only a few hundred $$, I would guess. It seems minor enough that I would just take care of it now. A good way to construct a portfolio is to balance it across all accounts including...
by goingup
Fri May 11, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Admiral vs Investor shares
Replies: 4
Views: 609

Re: Vanguard Admiral vs Investor shares

^As noted by sport, you must have at least $10K of Total Stock Market in each account to have Admiral shares.

In the old days, I think the minimum was $100K for Admiral shares. I think it then dropped to $50K and now is $10K. Much better now. :D
by goingup
Fri May 11, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage question: 20% down or larger down payment?
Replies: 47
Views: 4610

Re: Mortgage question: 20% down or larger down payment?

If you have an extra $100K to put down on a $500K home (after already putting down 20%) why not consider a 15yr mortgage? Checking a local broker here, I see a big interest rate spread between a 30 and 15 year for conforming loans.
by goingup
Thu May 10, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Any issues with upgrading Vanguard taxable account to brokerage?
Replies: 19
Views: 1663

Re: Any issues with upgrading Vanguard taxable account to brokerage?

sport wrote:
Thu May 10, 2018 1:44 pm
It is interesting/strange/puzzling that an "upgrade" results in the loss of functionality. I would think that an improvement in function would be more appropriate.
Agreed! That's why it's referred to as an "upgrade".
by goingup
Thu May 10, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: To Sell or Not to Sell
Replies: 15
Views: 1102

Re: To Sell or Not to Sell

Unless you're saying she's faced with big immediate repair bills on the home it really doesn't seem like there's a big upside to selling. Home ownership can be a wonderful secure way to live, assuming this is what she wants. You won't net much after sales costs when you sell. Then you have to move, ...
by goingup
Thu May 10, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: Any issues with upgrading Vanguard taxable account to brokerage?
Replies: 19
Views: 1663

Re: Any issues with upgrading Vanguard taxable account to brokerage?

Getting back to the original question: There was a post that beneficiaries had disappeared and had to be specified again. You cannot have automatic transfer between funds. You may have to redo all the bank information. Everything goes through the sweep account. You cannot have directed distribution...
by goingup
Thu May 10, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones to Index funds model
Replies: 18
Views: 1925

Re: Edward Jones to Index funds model

I'm sure Fidelity and Schwab have low cost advisory services too. I'm a happy camper at Fidelity but I wouldn't recommend their advisory service because it's too pricey. But for someone willing to manage their own portfolio and select low-cost funds, I think Fidelity is perfectly fine. Their custom...
by goingup
Thu May 10, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones to Index funds model
Replies: 18
Views: 1925

Re: Edward Jones to Index funds model

As mentioned, any of the big 3--Vanguard, Fidelity or Schwab are excellent firms. I would not be concerned about transferring $1.2m to any of them. I'd use just one firm for simplicity. One of the first decisions after choosing a firm is whether to self-manage your portfolio or use an advisory servi...
by goingup
Wed May 09, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5285

Re: What's the view on dogs running free?

It seems like some responders do not love dogs nor care to have good relations with neighbors. I like dogs and my neighbors but the scenario the OP describes would grow old after awhile. My tactic would be loudly shoo the dog back home. Something like, "Uh-oh Rover, time to get home. Can't be wander...
by goingup
Wed May 09, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 5474

Re: How to handle problem employee

In this discussion, I feel like you're coming across as a problem manager. I strongly agree. I strongly agree too. I would be complaining to the VP about you if I was the employee. I was venting when I wrote this, but I could probably try another approach. I'm actually very laid back overall. Hones...
by goingup
Tue May 08, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 40
Views: 2862

Re: How to remove garden hose nozzle that is stuck on a hose

Boil a big pot of water - in a pasta boiling pot. Carry the pot out to the recalcitrant hose/nozzle. Dip the nozzle and a few inches of hose into the pot for 30 seconds or a minute. Unscrew it. If this does not work, try again using a longer or shorter dunking time. If this does not work, cut off t...
by goingup
Tue May 08, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16034

Re: most compelling TV character ever

James Spader as Alan Shore in Boston Legal (2004-2008) was pretty amazing. The dialogue he recited at trial required a lot of memorization, at the very least. Some TV characters are compelling without much speaking, but to be articulate and compelling takes some skill.
by goingup
Tue May 08, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 16858

Re: What Percentage CASH are you?

Right now 9% because of tax loss harvesting a short term muni fund. My ideal holding is less than 5%. Holding cash is a less terrible option than it used to be.
by goingup
Tue May 08, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Calculating Asset Fees...
Replies: 13
Views: 777

Re: Calculating Asset Fees...

Your fund ER and the administrative expense is low, low, low. From memory, the average administrative expense for a 401K is 1%. (If I can find a source for that I'll post it.) You have a great plan so save as much as you can in it. Additionally, if you can contribute annually to an IRA you'll be doi...
by goingup
Tue May 08, 2018 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Stick with E*Trade or move to Vanguard?
Replies: 15
Views: 1419

Re: Stick with E*Trade or move to Vanguard?

If you want Vanguard mutual funds the best place to buy/hold them is at Vanguard. Their selection of low-cost equity and bond funds is extensive, though you only really need a few to have a diversified portfolio.
by goingup
Tue May 08, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Transferring fractional ETF cost basis question
Replies: 22
Views: 1012

Re: Transferring fractional ETF cost basis question

In the interest of simplicity, why not sell the shares and just open a new account at TDAmeritrade? Seems like it's kind of a hassle for $300 worth of shares.
by goingup
Mon May 07, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: When did you start drawing profits from taxable?
Replies: 48
Views: 3237

Re: When did you start drawing profits from taxable?

MotoTrojan wrote:
Mon May 07, 2018 2:05 pm
It would be more tax-efficient to just stop taxable contributions and cash flow a splurge vacation etc instead of withdrawing.
^Yes. Cash flowing your "wants" is (probably) more efficient than withdrawing from a taxable account and paying capital gains.
by goingup
Mon May 07, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Factors Suggesting One Should Buy SPIA
Replies: 90
Views: 6491

Re: Factors Suggesting One Should Buy SPIA

I expect we'll buy a SPIA or 2, using less than 25% of assets. The idea that appeals is having another income stream. This will ease decumulation worries and give us "permission to spend". After decades of saving I know that drawing down assets will feel unnatural.
by goingup
Sun May 06, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Do we spend too much on food?
Replies: 71
Views: 5935

Re: Do we spend too much on food?

She loves to cook and entertain and we regularly host church meetings, dinners , etc. Your situation is unique and not just average monthly food budget. Seems like a lifestyle choice. My opinion is always to save what you need to for retirement, etc. and spend the rest in ways that make your life e...
by goingup
Sun May 06, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Help with in-laws investment- 100% in stocks with 5 years left to retire
Replies: 46
Views: 2987

Re: Help with in-laws investment- 100% in stocks with 5 years left to retu

My in laws plan to retire in 5 years and have everything in 100% stocks. From reading bogleheads, I know this is not a recommended strategy. The BH recommendation is to "never bear too much or too little risk". With a paid off house and pensions, I think your in-laws are probably in good shape. Apa...
by goingup
Sat May 05, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: ETF vs MF
Replies: 38
Views: 3017

Re: Vanguard: ETF vs MF

I think using mutual funds and automating purchases is a simple way to invest. Automation overcomes impulse and/or hesitation. If I had to decide what to buy and when to buy it, I frankly would have a smaller portfolio. Every month/quarter for 20 years we've been automatically purchasing mutual fund...
by goingup
Fri May 04, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: 6 mo. till vanguard rollover. Stay all in?
Replies: 6
Views: 430

Re: 6 mo. till vanguard rollover. Stay all in?

I would invest in the exact AA you plan to have long-term. I don't see the benefit in heading to the sidelines. I could be wrong, but I think investors usually do roll out of their 401K plans at retirement. Unless you're in a great plan or TSP plan, the benefits of increased control and lower cost o...
by goingup
Fri May 04, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17665

Re: Ed. Jones rep didn't like our plan, now we're locked out

In my opinion there is no sense in paying any transaction fee to buy a Vanguard fund in a Schwab account. Sounds like OP was able to get Schwab to waive commissions on Vanguard funds. Darth Xanadu you are correct, Schwab agreed to waive commissions on all Vanguard funds. Waiving purchase fees on Va...
by goingup
Fri May 04, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 25
Views: 2095

Re: Car rentals, what is the catch?

If you have a Sams Club or Costco membership rent through them. You’ll save about 20% at one of the national rental companies. Yes. I think Costco rates are the best I've found. They also permit a second driver free. Also, there is no pre-pay, which HotWire requires. Cancellations with Costco are e...
by goingup
Fri May 04, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17665

Re: Ed. Jones rep didn't like our plan, now we're locked out

In my opinion there is no sense in paying any transaction fee to buy a Vanguard fund in a Schwab account. Sounds like OP was able to get Schwab to waive commissions on Vanguard funds. Darth Xanadu you are correct, Schwab agreed to waive commissions on all Vanguard funds. Waiving purchase fees on Va...
by goingup
Fri May 04, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: Investing is more like poker than chess
Replies: 91
Views: 6101

Re: Investing is more like poker than chess

That doesn't resonate with me. I'd compare investing to farming--growing crops or fruit trees. It's all about planting, tending, and harvest. But that's just not as exciting as poker.
by goingup
Thu May 03, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 6448

Re: Starting to smell like buying season?

I'm not really smelling anything particularly. Long ago I gave up that bravado. We invest automatically into a 401K and taxable account. There is no olfactory sense required. :twisted: What I actually do smell is another 2015--a rather flat year. Regardless, we'll just keep investing and TLH when lo...
by goingup
Thu May 03, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 6737

Re: Allocation to combine Dave Ramsey and Vanguard?

I don't follow Dave Ramsey but what you propose is a perfectly fine, 100% equity low-cost tax-efficient portfolio. Vanguard describes the mid and small you selected as "blended" not growth, but that seems minor. Since you've been with an advisor for 5 years, presumably in all equity, you know the pe...
by goingup
Thu May 03, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4069

Re: Ally asking CURRENT customer to provide SSN card?

This conversation occurred via online chat? When the customer service rep said you needed to provide a copy of the SS card ,that's when I would have politely ended the chat and called via phone and ask for a clarification from a supervisor. While I don't suspect anything nefarious, a simple call to...
by goingup
Wed May 02, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 24
Views: 1958

Re: Is Today a good day for TLH?

I TLH a little differently than you did. When TLHing stock funds, I exchange immediately into a similar (not identical) fund. I don't want to sit in a MM fund for 31 days with money that is meant for equities. When TLHing bond funds, I might sit in a MM for 31 days if the bond fund was short-term an...
by goingup
Wed May 02, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4069

Re: Ally asking CURRENT customer to provide SSN card?

I haven't had a SS card in at least 30 years. Somehow I have managed to lead a complete financial life. A couple years a Verizon rep said I needed to present a SS card to get a new phone and start service. I said I didn't have one and he probably needed to talk to his supervisor. It took 30 seconds ...
by goingup
Wed May 02, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Worst ER for funds in 401k. Which one to choose?
Replies: 14
Views: 1223

Re: Worst ER for funds in 401k. Which one to choose?

Are the dividends or other capital returns in 401k exposed to the same fees? It's based on your account balance. They take the total expenses for the fund and divide by the total fund value to arrive at an average expense ratio. You multiply that percent by your account balance to arrive at your sh...
by goingup
Wed May 02, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Question on Vanguard Money Market Account Check wise
Replies: 15
Views: 1268

Re: Question on Vanguard Money Market Account Check wise

what is the reason to write checks directly from your Vanguard account? So I have a similar question as the OP. We are negotiating on a car purchase and plan to pay for it with a check for the full amount. I don't have check writing privileges with he Money market fund so will have to move the mone...
by goingup
Wed May 02, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Worst ER for funds in 401k. Which one to choose?
Replies: 14
Views: 1223

Re: Worst ER for funds in 401k. Which one to choose?

Your choices aren't great, but really not terrible. Use the State Street funds, or just the State Street SP500 fund. I wouldn't be deterred from contributing to the 401K, which lowers your taxable income and features automatic payroll deductions. My experience is that contributing to a 401K is the e...
by goingup
Tue May 01, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Are Vanguard funds really any better than Schwab funds?
Replies: 28
Views: 2942

Re: Are Vanguard funds really any better than Schwab funds?

I also know that I can buy VTSAX in my Schwab account, but I'll be hit with a transaction fee. Now, if this transaction fee only happened to be once or twice, I'd be fine with it. But will I be hit with this transaction fee every time dividends are reinvested? That'd be a lot in fees over time, esp...