Search found 637 matches

by alpenglow
Sat Aug 11, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: stock split: Vanguard balance shows huge decline
Replies: 9
Views: 963

Re: stock split: Vanguard balance shows huge decline

I'm in. How about Peter Luger's in Brooklyn? :beer
by alpenglow
Sat Aug 11, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 9649

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

arcticpineapplecorp. wrote:
Sat Aug 11, 2018 12:04 pm
Thank you. I look forward to buying more shares at lower prices with the same amount of money.
:sharebeer
by alpenglow
Mon Aug 06, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Is maxing Out an IRA, 403B, and 457B Along with a Pension Too Much Saving for the Future?
Replies: 19
Views: 2201

Re: Is maxing Out an IRA, 403B, and 457B Along with a Pension Too Much Saving for the Future?

I'm a teacher in NY. My expected pension at 30 years in is 60% of 3 year final average salary. Most of my co-workers don't put aside much and are depending on their pensions. NYSTRS is well funded compared to most plans, but you never know. I'd rather have the problem of having saved too much than g...
by alpenglow
Sun Aug 05, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 34
Views: 1886

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

You can get a little bit more yield using SPRXX instead of SPAXX (1.85% vs. 1.57%). Or even using FZDXX 1.97% ($100k to start, $10k to maintain). All of these options require you to manually purchase the fund in the CMA (but will be automatically liquidated as necessary to meet debits). Thanks for ...
by alpenglow
Fri Aug 03, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 55
Views: 4673

Re: Is solar power for your home a worthwhile investment?

I think the current rate here (NY Metro area) is about $0.45/kW. We are low energy users but installed a system anyway given the Federal and State incentives. There was also some grant money at the time we installed. We plan to stay in the home about 15 more years and we've had the system for 2.5 ye...
by alpenglow
Fri Aug 03, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 2992

Re: Time to invest in Fidelity's new zero fee funds?

Lol, people are so averse to change. There must be a catch! It's not worth the time to change! It's in the 401k so there is no tax consequence. The new funds are cheaper. I say go for it. You can always switch back. We're all assuming that FZROX is going to mirror FSTVX and FZILX is going to mirror...
by alpenglow
Fri Aug 03, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 2992

Re: Time to invest in Fidelity's new zero fee funds?

My biggest concern with these funds is that Fidelity may decide to raise costs in the future, so if you have gains already, you're either paying taxes on the gains to get your money out or you're paying more in fees to Fidelity. Since vanguard investors are its owners, they have an incentive to kee...
by alpenglow
Thu Aug 02, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 666
Views: 57149

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

This is similar to Dimensional Fund Advisors which offers passive funds that don't follow a particular index. Fidelity will be able to use patient trading strategies and not have to worry about front-running of a published index. I don't think the Vangaurd Total Stock Market Fund (VTSAX) follows a ...
by alpenglow
Wed Aug 01, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 666
Views: 57149

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I don't know why people are getting all excited over ZERO ER!!! Isn't Vanguard's 0.1-0.2% low enough? I have 2 words: TRACKING ERROR. If these "zero" ER funds do a bad job at tracking your index, that can be more painful than 0.1-0.2% ER. With a nice reduction in Fidelity's other ER's, I'll be wait...
by alpenglow
Mon Jul 30, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5328

Re: What Should I Do About A Dying Friend's Assets?

It was mentioned up-thread, but not much. Is there a charity that your friend would like to support? If I were in the same position, there are a few charities that I would be leaving my estate to.
by alpenglow
Mon Jul 30, 2018 2:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund is changing
Replies: 61
Views: 5618

Re: Vanguard Precious Metals and Mining Fund is changing

My parents were invested in this fund for a while. When I started helping them with their money, it was the first fund to go. I don't understand the point of the change here. If someone wants a sector fund, they want a sector fund. Not a diluted sector fund. I guess Vanguard was tired of having such...
by alpenglow
Sun Jul 29, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Frugality and Cash Rewards: What to keep vs. what to let go
Replies: 16
Views: 2274

Re: Frugality and Cash Rewards: What to keep vs. what to let go

I don't find these sort of things too difficult to keep up with. If my spouse is watching a show that I'm only semi-interested in, I'll grab the laptop and get up to date. The only thing I'm stopping is the use of discounted gift cards. The money I'm saving is small and the issues have been high. Wi...
by alpenglow
Tue Jul 24, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 6789

Re: Daughter wants to travel on her own to Montreal

LarryAllen wrote:
Tue Jul 24, 2018 10:00 am
Maybe she really wants a smoked meat sandwich!? That is tasty up there in Montreal!
I have a real hankering for a smoked meat sandwich and some Montreal bagels.
by alpenglow
Sun Jul 22, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: Short versus Intermediate Term Bond
Replies: 57
Views: 5189

Re: Short versus Intermediate Term Bond

I've bought a number of ~3% 3 year brokered CDs. I have a lot of trouble going all in on Total Bond with a duration of 6.1 yrs and an SEC yield of 3%. Maybe I'm making the right choice and maybe I'm not. Either way, it probably won't be a big deal. I still hold some Total Bond and Short-Term Corpora...
by alpenglow
Sat Jul 21, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: "All-Weather Portfolio" - Not much info
Replies: 13
Views: 1257

Re: "All-Weather Portfolio" - Not much info

Who is Tony Robbins? https://www.tonyrobbins.com/biography/ Interesting video. I wish I was that good looking and charismatic :shock: Lot's of talking but hard to figure the substance. An All Weather Portfolio is more likely a "Bogle 3 Fund Portfolio". j What do you mean by this? I don't recall gol...
by alpenglow
Sat Jul 21, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: High school graduation monetary gift for nephew
Replies: 37
Views: 2074

Re: High school graduation monetary gift for nephew

Interesting responses here. We have been giving $50 to my wife's many 2nd/3rd cousins and were planning to give $100 to our various nieces/nephews. As someone above mentioned, it can add up when there are lots of cousins, nieces, and nephews in a family. I imagine we would double that for college gr...
by alpenglow
Sat Jul 21, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: "All-Weather Portfolio" - Not much info
Replies: 13
Views: 1257

Re: "All-Weather Portfolio" - Not much info

The All-Weather Portfolio is bond heavy and has thus benefited from the multi-decade bond market bull. We appear to be at the end of that bull market and even if bonds stay flat I don't think it's possible to see anything like that past performance going forward.
by alpenglow
Sat Jul 21, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Capital One offerings 2.30% on CDs - Should I?
Replies: 18
Views: 2022

Re: Capital One offerings 2.30% on CDs - Should I?

I would not. Vanguard Prime Money Market is yielding 2.05%. Even on $100000, that is a difference of only $250. I would prefer the flexibility. What if you find the house you are looking for earlier than a year from now?
by alpenglow
Fri Jul 20, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Gift cards: which is "better / safer"? physical or electronic?
Replies: 23
Views: 1241

Re: Gift cards: which is "better / safer"? physical or electronic?

I'm at the point that I'm totally done with gift cards, both physical and electronic. I recently had $700 worth of gift cards from a major home retailer compromised. They were physical cards in my basement with the pins still covered. They were sent directly from American Express. After a couple of ...
by alpenglow
Wed Jul 18, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: short-term treasuries for short-term savings?
Replies: 9
Views: 618

Re: short-term treasuries for short-term savings?

Vanguard Prime Money Market (VMMXX) is yielding 2.05%.
by alpenglow
Mon Jul 16, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: 3% APY 14 month CD (New England States Only)
Replies: 6
Views: 969

Re: 3% APY 14 month CD (New England States Only)

aqan wrote:
Sun Jul 15, 2018 4:26 pm
Great find OP. I live in NE. will definitely give it a try.
Good luck. If I lived in NE I'd be going for it too.
by alpenglow
Sun Jul 15, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: 3% APY 14 month CD (New England States Only)
Replies: 6
Views: 969

3% APY 14 month CD (New England States Only)

I just came across this offer and though it might be useful to some of you here. Unfortunately, I'm not in NE.

https://www.harborone.com/remarkable3peat
by alpenglow
Fri Jul 13, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2609

Re: Logging out 20 acre lot?

I own a 40 acre timber lot in New England, so I can comment in general but not specifically about your region. I've found that the quality of forestry consultants and loggers varies greatly. Unfortunately, I've seen some land absolutely wrecked by unscrupulous loggers that have no respect for the la...
by alpenglow
Wed Jul 11, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5712

Re: Anyone take naps at work?

rebellovw wrote:
Wed Jul 11, 2018 1:00 pm
Image
This was my first thought!
by alpenglow
Tue Jul 10, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: 1 month Brokered CD, at 1.8%, Why?
Replies: 9
Views: 932

Re: 1 month Brokered CD, at 1.8%, Why?

I know you're at Merrill, but, as a point of comparison, VMMXX (Vanguard Prime Money Market) SEC yield is 2.04% today with full liquidity.
by alpenglow
Mon Jul 09, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: 3.01% 1-year CD
Replies: 7
Views: 2239

Re: 3.01% 1-year CD

Glad I could be of help! :D
by alpenglow
Mon Jul 09, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: 3.01% 1-year CD
Replies: 7
Views: 2239

Re: 3.01% 1-year CD

Sounds like a bunch of baloney to me - just some bait to get you in for a pitch. If the CD offer is legit, I wouldn't be surprised to find it had a $1k or $10k limit.
by alpenglow
Mon Jul 02, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33884

Re: What is/ was your career and would you recommend it now?

Middle School Teacher I'm 15 years in and going strong. I really like my job, but I'm lucky enough to work in a "good" district with supportive parents and admin. I have solid benefits and pay ($115k+). In theory I will also get a nice pension. I would highly recommend this job to the right person ...
by alpenglow
Tue Jun 26, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33884

Re: What is/ was your career and would you recommend it now?

Middle School Teacher I'm 15 years in and going strong. I really like my job, but I'm lucky enough to work in a "good" district with supportive parents and admin. I have solid benefits and pay ($115k+). In theory I will also get a nice pension. I would highly recommend this job to the right person ...
by alpenglow
Mon Jun 25, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33884

Re: What is/ was your career and would you recommend it now?

Middle School Teacher I'm 15 years in and going strong. I really like my job, but I'm lucky enough to work in a "good" district with supportive parents and admin. I have solid benefits and pay ($115k+). In theory I will also get a nice pension. I would highly recommend this job to the right person w...
by alpenglow
Fri Jun 22, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 15246

Re: Did you celebrate when you finally hit $1m?

We took note of it and said "woohoo" or something like that. Same with paying off the mortgage. I think that was the extent of the celebration.
by alpenglow
Thu Jun 21, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3554

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

AlohaJoe wrote:
Thu Jun 21, 2018 8:59 am
The only sample IPSes I'm seeing that are 5+ pages are for advisors to send to their clients. That's not your use case.
I imagine advisors would want to make things look very complicated!

I feel that most IPS's should fit on one side of a page.
by alpenglow
Wed Jun 13, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Subaru EyeSight windshield insurance
Replies: 14
Views: 1672

Re: Subaru EyeSight windshield insurance

I see the connection to the "What did you do today" thread.
by alpenglow
Wed Jun 13, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: The Psychology of Money - A Blog Post
Replies: 67
Views: 10091

Re: The Psychology of Money - A Blog Post

One of my favourites: 'When most people say they want to be a millionaire, what they really mean is “I want to spend a million dollars,” which is literally the opposite of being a millionaire.' Lots of wisdom in this blog. Thanks. I agree. I had to forward this quote to my wife because my MIL is al...
by alpenglow
Tue Jun 12, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Light Camping Trailer
Replies: 42
Views: 3659

Re: Light Camping Trailer

Sweet Betsy wrote:
Mon Jun 11, 2018 4:53 pm
We do not own one of these yet but are seriously considering getting one in the near future.

http://www.timberleaftrailers.com/

They are adorable and can be pulled by a subaru outback or similar.
That is a very nice looking teardrop. Not cheap though.
by alpenglow
Tue Jun 12, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 45
Views: 4527

Re: Maturing Credit Union 3% CD's this year

Thanks Kevin. Despite mentioning the push option, I'll likely use the Fidelity form in December to pull the funds.
by alpenglow
Mon Jun 11, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: How to Repair Leak in Ceiling Below 2nd Floor Bath?
Replies: 6
Views: 530

Re: How to Repair Leak in Ceiling Below 2nd Floor Bath?

I had a similar leak not too long ago. We hadn't used the shower in that bathroom for a long time and after resuming use, the leak appeared. We isolated it to the bath/shower drain. Before opening the ceiling, I pulled the drain and re-did the putty. Luckily for me, that solved the problem. Good luck.
by alpenglow
Fri Jun 08, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: To remove coffee tea stain from mug, use QxyClean
Replies: 9
Views: 1034

Re: To remove coffee tea stain from mug, use QxyClean

Another vote for Barkeeper's Friend.
by alpenglow
Thu Jun 07, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: The Psychology of Money - A Blog Post
Replies: 67
Views: 10091

Re: The Psychology of Money - A Blog Post

Thanks livesoft. I'm a teacher and my free period was just ending.
by alpenglow
Thu Jun 07, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: The Psychology of Money - A Blog Post
Replies: 67
Views: 10091

The Psychology of Money - A Blog Post

I just came across this blog post and thought it might be of interest here.

http://www.collaborativefund.com/blog/t ... -of-money/
by alpenglow
Mon Jun 04, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: PenFed 3% 5 year certificates are back.
Replies: 15
Views: 2299

Re: PenFed 3% 5 year certificates are back.

Doc wrote:
Mon Jun 04, 2018 10:55 am
For comparison the current yield on the five year Treasury is 2.77%.

No early withdrawal penalty, no state income tax and no need for another account.
PenFed will certainly have to sweeten the deal to keep my money come December.
by alpenglow
Fri Jun 01, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 45
Views: 4527

Re: Maturing Credit Union 3% CD's this year

If you end up transferring out and it's an IRA, use PenFed form 735 to make the move. Interesting. I've always used the form of the receiving custodian to do IRA transfers, so in this case would normally use Fidelity's form. However, looking over PenFed Form 735, it looks like it is set up to do a ...
by alpenglow
Fri Jun 01, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 17547

Re: Top Shelf Liquor Overrated?

I think this depends on your taste buds and how you are using the spirits. I drink whisky and gin. There is a definite difference in the flavor profiles of gins, especially from small producers. As for whisky, I like rye and scotch. My favorites include High West Rendezvous Rye, Springbank 10, Ardbe...
by alpenglow
Fri Jun 01, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Beach condo vs mountain cabin investment property
Replies: 30
Views: 2660

Re: Beach condo vs mountain cabin investment property

I live 6 hours from my mountain cabin. Bad idea. Don't do it.
by alpenglow
Fri Jun 01, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 45
Views: 4527

Re: Maturing Credit Union 3% CD's this year

I imagine a lot of money came into PenFed for that 3% CD offer. I wonder if they will have a good offer to retain those funds. Otherwise, I'll be transferring back to Fidelity where it came from. BTW, I discovered that my CDs at PenFed were set to auto-roll. You change the setting online to have it ...
by alpenglow
Thu May 31, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Performance Gap: Vanguard Total Intl vs. Fidelity Total Intl
Replies: 4
Views: 552

Re: Performance Gap: Vanguard Total Intl vs. Fidelity Total Intl

I don't see the performance difference you are describing. Using Morningstar, 1 year growth of $10k is:

FTIPX $11038.49
VTIAX $11024.65

Here is the chart:
Image
by alpenglow
Wed May 23, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Newton MA library program - Zvi Bodie on Managing Your Portfolio
Replies: 9
Views: 1708

Re: Newton MA library program - Zvi Bodie on Managing Your Portfolio

That sounds great. Too bad I don't live anywhere nearby. I've enjoyed reading Zvi's books.
by alpenglow
Wed May 23, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) Transfer???
Replies: 11
Views: 1012

Re: 403(b) Transfer???

You should be able to perform what is called a contract exchange, though it may vary depending on your plan documents.
by alpenglow
Tue May 22, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 95
Views: 4995

Re: Road trip Newark NJ to Albany

Cold Spring, NY is a nice town. If you are interested in plants and gardening, nearby Stonecrop Gardens is one of the very best public gardens I've ever visited.