Search found 4059 matches

by dratkinson
Tue Feb 20, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Where to put 6 months of living expenses(emergency fund) ?
Replies: 13
Views: 1302

Re: Where to put 6 months of living expenses(emergency fund) ?

Job loss and home/vehicle repairs are typical EF fund duties. You could combine the advice given for saving for ST goals... Saving for short-term goals. Recommended savings vehicles and time horizons. --0-5yrs: FDIC/NCUA insured checking/savings/mmkt and US savings bonds (1yr lockout, contribution l...
by dratkinson
Sun Feb 18, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Why not tax-exempt bonds?
Replies: 23
Views: 2301

Re: Why not tax-exempt bonds?

The hard answer. Need more information. Are you currently taking SS, or is that coming? Depending upon your current tax bracket, a portion could be taxed. Are you currently taking RMDs, or is that coming? Those are taxed as ordinary income. Health care cost. Do you receive a subsidy? How close are ...
by dratkinson
Fri Feb 16, 2018 2:25 am
Forum: Investing - Help with Personal Investments
Topic: Choosing muni bond funds
Replies: 52
Views: 4428

Re: Choosing muni bond funds

Act in haste, repent in leisure. Don't be too hasty. My first cut idea was just that... a first cut. You can probably do better. How? Get differing perspectives on your total retirement investing situation from others. Then choose the pieces best fitted to your situation to craft your (plural) inves...
by dratkinson
Wed Feb 14, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing muni bond funds
Replies: 52
Views: 4428

Re: Choosing muni bond funds

Retirement investing: background information. See seminal article by William Sharpe: https://web.stanford.edu/~wfsharpe/art/active/active.htm See Wiki topic: https://www.bogleheads.org/wiki/Three-fund_portfolio See forum discussion: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005 See Wi...
by dratkinson
Tue Feb 13, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing muni bond funds
Replies: 52
Views: 4428

Re: Choosing muni bond funds

Meaning the only thing we need to manage is our taxable investments, which should be discrete funds (not all-in-one funds, which are tax-inefficient). Thanks. I was considering a Fidelity fund that is Four-In-One. I'm wondering if that would be "tax inefficient". It's basically just four different ...
by dratkinson
Tue Feb 13, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing muni bond funds
Replies: 52
Views: 4428

Re: Choosing muni bond funds

This http://quotes.morningstar.com/chart/fund/chart?t=FUSEX says the TTM (trailing twelve month) yield is 1.6%. I believe S&P500 and TSM typically return 2-2.5%. FUSEX's current lower yield is probably due to its current high price: (stable dividends) / (current high price) = (lower TTM yield). How...
by dratkinson
Tue Feb 13, 2018 4:48 am
Forum: Investing - Help with Personal Investments
Topic: Choosing muni bond funds
Replies: 52
Views: 4428

Re: Choosing muni bond funds

... I may decide to invest some money in a Fidelity 500 index fund first, which would be taxable. I need more time to reflect on munis. The short answer. --Get a forum review to help you create an investing game plan, and a backup plan if needed. --Don’t worry about it, stay the course until the ta...
by dratkinson
Mon Feb 12, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing muni bond funds
Replies: 52
Views: 4428

Re: Choosing muni bond funds

I am interested in muni bond funds to invest outside of my IRA. I am in the 10% tax bracket for 2017. (According to this calculator I found online, if that's not reliable I will need to talk to my CPA). We are in Texas , so no state income tax. In previous years, my spouse earned 80 to 100K, but la...
by dratkinson
Sat Feb 10, 2018 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing muni bond funds
Replies: 52
Views: 4428

Re: Choosing muni bond funds

... Texas ... ( why I can choose any state's 529 plan so I chose Utah)... tax bracket... tends to vary from year to year... a lower tax bracket last year ... my risk tolerance is not high. I'd prefer something more conservative. ... I checked and these are your first mentions of this information in...
by dratkinson
Sat Feb 10, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Choosing muni bond funds
Replies: 52
Views: 4428

Re: Choosing muni bond funds

... No, I haven't but I thought all municipal bond funds were completely tax free? National muni funds are only fed tax exempt. And depending upon your tax brackets may not be recommended. Single-state muni funds can be triple tax exempt, but come with more (single-state default) risk. And dependin...
by dratkinson
Fri Feb 09, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing muni bond funds
Replies: 52
Views: 4428

Re: Choosing muni bond funds

BH Choosing muni bond funds The short answer. Move your IRA to Vanguard and buy VWITX. This is not in my IRA. It would be an independent investment, outside of my IRA. I will look into VWITX if it's a good muni bond fund. Doh! I knew that... you can't (shouldn't) buy a muni inside an IRA. :oops:
by dratkinson
Fri Feb 09, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing muni bond funds
Replies: 52
Views: 4428

Re: Choosing muni bond funds

BH Choosing muni bond funds The short answer. Move your IRA to Vanguard and buy VWITX. This answer is the one most often recommended---it's the main road to Dublin---but it may not be the best answer for your financial situation. The long answer. You may need to buy a muni ETF at Fidelity to get the...
by dratkinson
Wed Feb 07, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Retired or close to it -- what do you hold in bond portion?
Replies: 41
Views: 3977

Re: Retired or close to it -- what do you hold in bond portion?

BH Retired or close to it -- what do you hold in bond portion Age 70, retired military+SS, 22% fed/5% state, 50/50 AA, small rIRA is play money so all bonds in taxable. --VWIUX (IT national muni): better TEY than CDs, largest EF tier, home projects, new car, dry powder. --VWLUX (LT national muni): b...
by dratkinson
Sun Feb 04, 2018 8:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum's 11th Birthday - Feb. 19th
Replies: 27
Views: 1837

Re: Upcoming Forum Birthday (Feb. 19th)

I consider the forum to have stated in 1998 on M*. Which means the forum celebrates its 20th anniversary this year.

No wait, that's 21st anniversary. (2018 - 1998 = 20. But we don't want the "difference" in years, but total years so must add +1.)

So 20th or 21st, it's one of those. :)
by dratkinson
Thu Feb 01, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Money
Replies: 25
Views: 2540

Re: Emergency Money

It's taken a few years to get here, but think I've finally hit upon my ideal EF strategy. My EF strategy: 3-fund retirement portfolio, with extra cash and safer bonds in tiers 1-2. --1st-tier, 1 yr ST cash: CC, cash (ATM), checking (2 mos), savings (1 mo), mmkt (9 mos VMSXX+checks). --2nd-tier, 3-5 ...
by dratkinson
Thu Feb 01, 2018 2:07 am
Forum: Investing - Help with Personal Investments
Topic: I have an overwhelming gift I'm in need of help of please.
Replies: 89
Views: 7880

Re: I have an overwhelming gift I'm in need of help of please.

The only thing you might consider acting on more quickly is to fund your (plural) 2017 IRAs before the April tax filing deadline. Everything else you can take your time on. Another vote for not having a mortgage---gives you more disposable income each month. Plus it keeps those PMI and interest paym...
by dratkinson
Wed Jan 31, 2018 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: muni bonds or taxable bonds
Replies: 10
Views: 1354

Re: muni bonds or taxable bonds

Disclosure. I've paid taxes on a CPA mistake (caught it before Ladygeek) and know of a realtor who instead stole properties when trusted to do what was right. Due diligence is just that, our responsibility. It's our only protection against laziness, incompetence, and larceny. But your preferred "let...
by dratkinson
Wed Jan 31, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: muni bonds or taxable bonds
Replies: 10
Views: 1354

Re: muni bonds or taxable bonds

BH muni bonds or taxable bonds The short answer. Computing the TEY (taxable-equivalent yield) produces an acceptable first approximation of after-tax income. However, it misses all of the MAGI issues (program phase out (earned income credit, ACA subsidy,...), program phase in (SS taxation, Medicare ...
by dratkinson
Mon Jan 29, 2018 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: look what i found... investing stratedgerie
Replies: 6
Views: 961

Re: look what i found... investing stratedgerie

1. Tell no one you have this windfall. 2. Follow this advice: https://www.bogleheads.org/wiki/Managing_a_windfall The best course of action is to forget that you have this windfall until after you're retired. Exceptions can be made for family circumstances, but this violates #1, so caution is advise...
by dratkinson
Mon Jan 29, 2018 7:43 am
Forum: Investing - Help with Personal Investments
Topic: "Conservative" Portfolio offer by a large investments bank
Replies: 26
Views: 1912

Re: "Conservative" Portfolio offer by a large investments bank

Alternative investments. Above, Valuethinker mentioned Swedroe's book on alternative investments, it's title is The Only Guide to Alternative Investments You'll Ever Need . (It's on the recommended reading list.) REIT. One of the recommended alternative investments is a REIT (real estate index trus...
by dratkinson
Sun Jan 28, 2018 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: "Conservative" Portfolio offer by a large investments bank
Replies: 26
Views: 1912

Re: "Conservative" Portfolio offer by a large investments bank

BH "Conservative" Portfolio offer by a large investments bank Retirement investing. See Wiki topic: https://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement See Wiki topic: https://www.bogleheads.org/wiki/Three-fund_portfolio See forum discussion: https://www.bogleheads.org/forum/v...
by dratkinson
Fri Jan 26, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat the urge to spend?
Replies: 68
Views: 3670

Re: Strategies to combat the urge to spend?

BH Strategies to combat the urge to spend. I find that roadblocks help. In my 20s I had friends who liked to spend money and be seen*. It took a while but eventually learned I couldn't afford the rent on their friendship. (* I learned to fly, got my private pilot license, and flew them on trips. In ...
by dratkinson
Fri Jan 26, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old Seeking Advice On Overall Portfolio and Higher Risk Investments
Replies: 4
Views: 367

Re: 25 Year Old Seeking Investment Advice

Find the sticky topic "Asking Portfolio Questions". Please edit your OP (original post, original poster) to include all of the requested information. That information will help the forum help you. Suggest you also read "The Only Investment Guide You'll Ever Need", by Andrew Tobias. It cover more abo...
by dratkinson
Wed Jan 24, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?
Replies: 46
Views: 5675

Re: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?

Read: https://www.bogleheads.org/wiki/Managing_a_windfall

Read a few books on alternative investments. Swedroe's "The Only Guide to Alternative Investments You'll Ever Need" comes to mind.

If your tax bracket is appropriate, could venture into municipal bonds.

Best of luck.
by dratkinson
Tue Jan 23, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Best bulbs for torchiere floor lamp
Replies: 7
Views: 490

Re: Best bulbs for torchiere floor lamp

Could try something like this: https://images-na.ssl-images-amazon.com/images/I/41HcP8aM7HL._SX300_QL70_.jpg See: https://www.amazon.com/Toplimit-Standard-Socket-Adapter-Splitter/dp/B00T5JD2P2 Could search by "images" for "bulb socket adapter": http://www.google.com/search?q=bulb+socket+adapter If a...
by dratkinson
Mon Jan 22, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Logistics of using I Bonds as Emergency Fund?
Replies: 5
Views: 881

Re: Logistics of using I Bonds as Emergency Fund?

I was in the 25% fed tax bracket, now in the new 22% fed tax bracket. I had similar concerns a few years back---savings bonds being forgotten, inaccessible. My solutions was to be proactive and convert them into a single-state municipal bond fund. (I redeemed the savings bonds, and used the proceeds...
by dratkinson
Sat Jan 20, 2018 5:39 am
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 3675

Re: How do you adjust side mirrors in a car?

Currently. I use a 4"h x 5.5"w rounded-rectangular convex mirror stuck to each side mirror and adjust both wide. I can just make out my vehicle's rear (helps with backing and parking), and the vehicles in adjacent lanes are still visible in my side mirrors when they come into my peripheral vision. A...
by dratkinson
Sat Jan 20, 2018 4:37 am
Forum: Investing - Help with Personal Investments
Topic: Which is faster - Push or Pull - Transfer of cash into investment accounts
Replies: 19
Views: 1454

Re: Which is faster - Push or Pull - Transfer of cash into investment accounts

... No, I've never paid for wires or ACH. That is the main reason I keep this particular checking account and move money into it when I need to wire for free. Lake Michigan Credit Union charges $5 for incoming wires. Didn't know that until after I sent a free wire from my main checking. All the ban...
by dratkinson
Fri Jan 19, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Which is faster - Push or Pull - Transfer of cash into investment accounts
Replies: 19
Views: 1454

Re: Which is faster - Push or Pull - Transfer of cash into investment accounts

check to see if your bank charges a fee for outgoing ACH transfers, Bank of America does, cant remember but still a few dollars per transfer. I "pull" from the receiving end. +1 One of my accounts (bank?, CU?) charges for an ACH push, ACH pull is free. ACH process seems to take 2 business days each...
by dratkinson
Wed Jan 17, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: VBTLX versus NUVEEN managed Muni Bonds
Replies: 11
Views: 1015

Re: VBTLX versus NUVEEN managed Muni Bonds

... The muni bonds are held at Stifel and managed by Nuveen. The annual fee is 1% and the average yield is 4.09%. A result of 3.09% is not too bad. ... 1. The 1% fee (Stifel?) is taking 25% of your average yield. You can do better. 2. Compare only SEC yields, not any other types of yield, as that i...
by dratkinson
Tue Jan 16, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Budget multitool knife
Replies: 28
Views: 3277

Re: Budget multitool knife

BH Budget multitool knife. I kept a Swiss Army "Classic SD" (screw driver, flat blade) on my keychain for many years. Remember buying it in a blister pack with a MiniMag Solitaire (AAA incandescent flashlight). Eventually wore out both. Replaced Classic SD with a Victorinox (the other swiss army com...
by dratkinson
Tue Jan 16, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help with young family portfolio
Replies: 12
Views: 1167

Re: Help with young family portfolio

Flipping properties. --Had a good neighbor who did that. --He didn't see the trouble coming, declared bankruptcy and moved away with the housing mess in ~2008. --I miss him. A better use of your free time would be to go back to school (part-time) to expand your job skills (increase your human capita...
by dratkinson
Sat Jan 13, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: "Emergency Fund" Strategy
Replies: 39
Views: 4095

Re: "Emergency Fund" Strategy

BH Emergency Fund Strategy My general thoughts on emergency funds. Enough. After learning these things: --Senior investors say, "...when we have enough (as defined by us), we don't need a dedicated EF as all of our investments become our EF". --Forum’s preferred investing order: #1 get employer’s ma...
by dratkinson
Sat Jan 13, 2018 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: VBTLX versus NUVEEN managed Muni Bonds
Replies: 11
Views: 1015

Re: VBTLX versus NUVEEN managed Muni Bonds

Had to go back and refresh my memory. The Nuveen fund was FCOTX. The ER was okay. But the prospectus promised... --sales load, --exposure to AMT issues “without limit”, --up to 20% junk bond exposure, --use of leverage. See: http://www.rightprospectus.com/documents/Nuveen/PRO_MunicipalBondState1.pdf...
by dratkinson
Sat Jan 13, 2018 1:46 am
Forum: Investing - Help with Personal Investments
Topic: VBTLX versus NUVEEN managed Muni Bonds
Replies: 11
Views: 1015

Re: VBTLX versus NUVEEN managed Muni Bonds

It is our due diligence requirement to make an informed decision. I read a Nuveen prospectus while researching muni funds. Scariest thing I've ever read. Of course I would never have known how bad it was if I hadn't first read two of the bond books recommended by the Wiki. Why read two bond books? W...
by dratkinson
Fri Jan 12, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Can only invest in Taxable and Roth IRA - most tax efficient place to hold bonds?
Replies: 21
Views: 1338

Re: Can only invest in Taxable and Roth IRA - most tax efficient place to hold bonds?

Why do you not have access to an employer's plan? Is it because you are self-employed? If so then you can create your own self-employed retirement plan. Self employed retirement plans. See: https://www.irs.gov/retirement-plans/retirement-plans-for-self-employed-people More information search: http:/...
by dratkinson
Fri Jan 12, 2018 2:33 am
Forum: Investing - Help with Personal Investments
Topic: Can only invest in Taxable and Roth IRA - most tax efficient place to hold bonds?
Replies: 21
Views: 1338

Re: Can only invest in Taxable and Roth IRA - most tax efficient place to hold bonds?

BH Can only invest in Taxable and Roth IRA - most tax efficient place to hold bonds Taxable Mutual Funds VTSAX - Vanguard Total US Stock Market Index Fund Expense Ratio: .04% AGDAX - AB High Income Fund Class A Expense Ratio: .86% expensive, tax inefficient LFRAX - Lord Abbett Floating Rate Fund Cla...
by dratkinson
Thu Jan 11, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Can only invest in Taxable and Roth IRA - most tax efficient place to hold bonds?
Replies: 21
Views: 1338

Re: Can only invest in Taxable and Roth IRA - most tax efficient place to hold bonds?

Since you are in NJ, you might be able to use a Vanguard NJ muni bond fund in taxable. It depends upon how the muni TEY (taxable-equivalent yield) calculation turns out. (The muni TEY tells you the yield of the taxable investment that would produce the same after-tax yield as the muni fund.) For nat...
by dratkinson
Sun Jan 07, 2018 6:08 am
Forum: Investing - Help with Personal Investments
Topic: 3rd update from a panicked investor
Replies: 14
Views: 3143

Re: 3rd update from a panicked investor

Congratulations on paying off the house and car. Best of luck as a silent business partner. Taxable. Suggest converting to a 3-fund portfolio using 3 discrete funds. Substitute intermediate-term national municipal bond fund for 3-fund portfolio's recommended total bond market index fund. Emergency f...
by dratkinson
Sun Jan 07, 2018 5:30 am
Forum: Investing - Theory, News & General
Topic: math help [Optimal rate to cash out crypto portfolio]
Replies: 9
Views: 943

Re: math help

Thank you very much for your input. What I understand from the equation this takes into account that you can loose money on a "bet". [1] My plan is to cash out on each x% rise, so I won't cash out when prices are falling. Also, [2] I've cashed out my initial investment so I won't lose anything from...
by dratkinson
Sat Jan 06, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Do all investment earnings in IRA/401k need to stay in the account until retirement?
Replies: 5
Views: 501

Re: Do all investment earnings in IRA/401k need to stay in the account until retirement?

Trying to read between the lines. Follow the rules and you can move money between retirement accounts/plans. See allowed rollovers: https://www.irs.gov/pub/irs-tege/rollover_chart.pdf --If your new employer's plan is better than your old employer's, can move your old into new. --If your new employer...
by dratkinson
Fri Jan 05, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Just learned we’ll be over the Roth IRA income limit - how to avoid tax penalty?
Replies: 7
Views: 1198

Re: Just learned we’ll be over the Roth IRA income limit - how to avoid tax penalty?

Another option. Believe you can use the backdoor Roth idea*: --Recharacterize rIRA to tIRA, --then convert tIRA to rIRA. Assuming you are deep into the tIRA deductible-contribution phase-out range, the backdoor Roth step may cost no extra in taxes**. (** Over what you've already paid for a non-deduc...
by dratkinson
Tue Jan 02, 2018 4:22 am
Forum: Investing - Help with Personal Investments
Topic: Bond questions: Tax-Exempt vs. Total Bond, placing in taxable vs. Roth
Replies: 8
Views: 1053

Re: Bond questions: Tax-Exempt vs. Total Bond, placing in taxable vs. Roth

BH Bond questions Tax Exempt vs Total Bond, placing in taxable vs Roth ... In the meantime, my next newbie question: I wouldn't be investing enough (intially, anyway) for Admiral shares of VCLAX. The SEC Yield of regular VCITX is 2.34, for a TEY of 2.34 / (1 - .24) = 3.08. VBTLX's SEC yield is 2.56....
by dratkinson
Mon Jan 01, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Bond questions: Tax-Exempt vs. Total Bond, placing in taxable vs. Roth
Replies: 8
Views: 1053

Re: Bond questions: Tax-Exempt vs. Total Bond, placing in taxable vs. Roth

Munis go in taxable accounts, only. Compare bond SEC yields, only, no other types of yields. Learn to compute a muni's TEY (taxable-equivalent yield) National muni fund. Muni TEY = muni SEC yield / (1 - your fed tax bracket) Single-state muni fund, if you don't take the state tax deduction on your f...
by dratkinson
Sun Dec 31, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: What is best tax software for free filing - low income retirees?
Replies: 16
Views: 812

Re: What is best tax software for free filing - low income retirees?

Could try one of the IRS free file online s/w options. I've used/like OLT: free fed, state, efile or print, if income <=$64K. There is an OLT learning curve as all data entry, after the personal data interview section, is drop-down menus and quick-entry tables---no hand-holding interviews to slow yo...
by dratkinson
Sat Dec 30, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Putting in a Word About Tea - brands, types, etc.
Replies: 85
Views: 8692

Re: Putting in a Word About Tea - brands, types, etc.

My current favorite after-evening-meal tea is Bigelow Vanilla Chai
--6oz hot water in 12oz mug
--steep tea bag (4min as directed)
--add 1-2oz honey (to taste, stir well to mix)
--fill mug with milk
--microwave 1min to reheat

It's almost like liquid cheese cake. Yummy.
by dratkinson
Sat Dec 30, 2017 6:11 pm
Forum: Investing - Theory, News & General
Topic: Public Service Credit Union (PSCU) of Colorado is trying Reverse Tier Savings to attract new deposits
Replies: 15
Views: 1831

Re: Public Service Credit Union (PSCU) of Colorado is trying Reverse Tier Savings to attract new deposits

Fixed broken link. Updated calendar to check/report status of this rate next Dec. (Wonder if it will disappear as fast as the USAA 2.5% CC?) My excess PSCU savings money (1mo of living expenses sitting in 0.10% share account) will be rebalanced (leave only required $5) after the first-of-the-month a...
by dratkinson
Fri Dec 29, 2017 7:08 pm
Forum: Investing - Theory, News & General
Topic: Public Service Credit Union (PSCU) of Colorado is trying Reverse Tier Savings to attract new deposits
Replies: 15
Views: 1831

Re: Public Service Credit Union (PSCU) of Colorado is trying Reverse Tier Savings to attract new deposits

Logistics. After a false start, it looks like it will be easy to add a new account to my investment companies. --Vanguard (after voice verification). CSR said, "No problem, we'll mail you a form." --Westcore (single-state muni fund). CSR said, "Medallion signature guarantee required to add an accoun...
by dratkinson
Fri Dec 29, 2017 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Now, here it is: My 40 Year Investment Plan. I would appreciate any advice!
Replies: 29
Views: 2930

Re: Now, here it is: My 40 Year Investment Plan. I would appreciate any advice!

Sidebar. ... As a backup plan, I've also opened a Public Service account with some small change. The tellers can transfer funds to and from both accounts with no issues. The poster just above mine has several good links for searching CUs and their partnership member locations. Type in your location ...