Search found 384 matches

by drzzzzz
Sun Jul 14, 2019 7:31 am
Forum: Personal Investments
Topic: ORP and RPM recommend large mega Roth's from IRA
Replies: 40
Views: 1965

Re: ORP and RPM recommend large mega Roth's from IRA

CRTR - did incomestrategy give different recommendations from i-orp or rmp, or was it more granular and specific since you had greater control of the inputs in the simulation? thanks Yes and no. For each set of assumptions and user data, Income Strategy gives >20 different strategies. You can pick ...
by drzzzzz
Sat Jul 13, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: [Small, Portable, and Ductless Air Conditioners]
Replies: 64
Views: 4756

Re: [Small, Portable, and Ductless Air Conditioners]

Any recommendations for brands or windown air conditioner units? Just purchased a Danby unit at Costco which is going back tomorrow since it only seems to circulate air and not be cold (others on the site also complained of this). After looking at consumer reports and some other sites for recommenda...
by drzzzzz
Sat Jul 13, 2019 9:31 pm
Forum: Personal Investments
Topic: ORP and RPM recommend large mega Roth's from IRA
Replies: 40
Views: 1965

Re: ORP and RPM recommend large mega Roth's from IRA

I have another resource for you to consider. Like you, I was running all sorts of simulations with I-ORP, RMP spreadsheet and Flexible Retirement Planner. There is another option out there: www.incomestrategy.com It is a pay-to-play service but the basic membership fee is only $20/month. You can jo...
by drzzzzz
Fri Jul 05, 2019 9:18 am
Forum: Personal Investments
Topic: Taxation of assets held in a revocable living trust upon death question
Replies: 23
Views: 1541

Re: Taxation of assets held in a revocable living trust upon death question

What is the process for completing this? Can the account be simply re-titled or re-registered by VG? Or will our current VG account need to be closed and transferred over to a new account number? Any step-up implications either way? Thank you! We did this about two years back and retitled one accou...
by drzzzzz
Mon Jun 24, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4372

Re: Triage in ER - charged $790

I would complain to the CEO with a copy to the state department of health and look to see if your local newspaper looks into these types of stories. I would also ask them to justify the coding based upon your complaints and vital signs since it sounds more like a lower level rather than level 2 sinc...
by drzzzzz
Sun Jun 23, 2019 10:03 pm
Forum: Personal Investments
Topic: Roth IRA transfer when you no longer qualify for Roth...?
Replies: 3
Views: 324

Re: Roth IRA transfer when you no longer qualify for Roth...?

You can transfer a Roth IRA from one custodian to another without any issues, you should call Vanguard and let them do it with you and get the paperwork processed over the phone if you decide to transfer to Vanguard. You just open up a Roth account at Vanguard and then transfer into it. The transfer...
by drzzzzz
Sat Jun 22, 2019 9:43 pm
Forum: Personal Investments
Topic: Switch 403(b) to an IRA or Stay?
Replies: 17
Views: 830

Re: Switch 403(b) to an IRA or Stay?

You should list what options are available within your 403b in a post here so the individuals who reply have a better idea of what is available if there are other choices. Also do you get a match from work in your 403b and if so you should try to maximize that match since it won't be available in an...
by drzzzzz
Sat Jun 22, 2019 9:32 pm
Forum: Investing - Theory, News & General
Topic: Net worth and risk tolerance
Replies: 30
Views: 4762

Re: Net worth and risk tolerance

This is really an intellectual exercise that each person will answer for themselves when they have reached the point where a 20% drop in the market has a potentially large enough impact on their portfolio to make them respond with an asset allocation and risk level that is appropriate for their pers...
by drzzzzz
Sun Jun 09, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 4999

Re: Gillette Fusion razors

Do folks use shaving cream or gel or something else with their razors? I find the cream/gel to me seems to clog the fusion blades or are more difficult to wash out.
by drzzzzz
Sun Jun 09, 2019 9:44 am
Forum: Personal Investments
Topic: How to find a reputable, fee-only advisor?
Replies: 14
Views: 1435

Re: How to find a reputable, fee-only advisor?

You can’t get much cheaper than this firm. https://planvisionmn.com/ How is that even possible? If they spend 1-2 hours a year on your portfolio; that works out to $96 per hour (at best) and more likely $48 or less per hour? I have used plan vision for about 6 months. I can personally say, Mark is ...
by drzzzzz
Fri Jun 07, 2019 2:47 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1793
Views: 285389

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I'll add that Ally will pay up to $150 in transfer fees charged by the old broker. That's not something most seem to offer. I've had good success in getting fees reimbursed. It's not always advertised, but if you ask it will usually happen. Except at Vanguard it seems or has someone had Vanguard re...
by drzzzzz
Fri Jun 07, 2019 2:37 pm
Forum: Personal Investments
Topic: Brokerages with no-transaction fees for Vanguard funds
Replies: 31
Views: 2128

Re: Brokerages with no-transaction fees for Vanguard funds

Just a caveat that has been mentioned - not all Vanguard funds have an ETF version. Please check that on the phone with a rep since you don't want positions that have a large long term gain to turn into a taxable event by going from a mutual fund to a DIFFERENT ETF. I have however exchanged multiple...
by drzzzzz
Wed Jun 05, 2019 3:49 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 10264

Re: How did you all do in the month of May, 2019

Why do people ask these types of questions? The answer depends on your asset allocation, what mutual funds or stocks you are in, and your total amount of assets. The responses seem to be not relevant to me or my portfolio - I would think they only mean something to the individual account holder.
by drzzzzz
Wed Jun 05, 2019 1:10 pm
Forum: Personal Investments
Topic: Fidelity Donor Advised Strategy Feedback Request
Replies: 4
Views: 349

Re: Fidelity Donor Advised Strategy Feedback Request

While the amount you are talking about is a nice sum to donate, I am not sure a DAF is the best vehicle for you unless it puts you over the threshold for itemizing deductions with other deductions that you might have. As someone else has mentioned there will be a fee on the DAF and you also can only...
by drzzzzz
Wed Jun 05, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 773
Views: 85417

Re: Fidelity as a one stop shop

I haven't read the entire thread so I apologize if the answer is in there. Has anyone set up their Fidelity CMA account titled as a revocable trust? thanks
by drzzzzz
Mon Jun 03, 2019 8:18 pm
Forum: Personal Investments
Topic: Pros and cons of leaving funds at TIAA
Replies: 8
Views: 738

Re: Pros and cons of leaving funds at TIAA

I also don't think you can do QCD (qualified charitable distributions from a 403B) so will likely move my funds ( or at least the yearly RMD) at TIAA to an IRA at Vanguard or Fidelity to be able to do QCDs.
by drzzzzz
Wed May 29, 2019 1:52 pm
Forum: Investing - Theory, News & General
Topic: How can I check my portfolio as little as possible?
Replies: 69
Views: 3277

Re: How can I check my portfolio as little as possible?

I found checking my portfolio often was very helpful since I obtained a better real idea of how much it would fluctuate based upon what happened in the stock and bond markets on particular days giving me the information I needed based upon "real dollar changes" rather than theoretical to better asse...
by drzzzzz
Fri May 17, 2019 8:26 pm
Forum: Investing - Theory, News & General
Topic: How to avoid 1 week of not investing when buying treasury bills
Replies: 26
Views: 2674

Re: How to avoid 1 week of not investing when buying treasury bills

With Fidelity's autoroll, they notify you that you have a t bill maturing in the upcoming week (Thursday for 3 month bills), and then automatically place an order to purchase at the Monday auction of that week using the maturing bill to settle the purchase that was made 3 days earlier. Vanguard will...
by drzzzzz
Wed May 15, 2019 10:35 pm
Forum: Personal Investments
Topic: Fund Fidelity DAF from Vanguard taxable
Replies: 7
Views: 675

Re: Fund Fidelity DAF from Vanguard taxable

Also initiated at Fidelity and they pulled the shares that I wanted from my Vanguard account I think using FIFO since were non-covered shares
by drzzzzz
Sun May 12, 2019 10:46 am
Forum: Personal Investments
Topic: $96/year Planning
Replies: 12
Views: 3712

Re: $96/year Planning

... I've been looking into this a little bit. The Emoney planning system looks good from the videos. Is this something that a client can use even if they don't have a need for a financial plan from Planvision? I'm looking for something robust that will budget future cash inflows/outflows on a month...
by drzzzzz
Sat May 11, 2019 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Quick, Efficient Way to Make a QCD from a Vanguard IRA when 70.5
Replies: 25
Views: 3399

Re: Quick, Efficient Way to Make a QCD from a Vanguard IRA when 70.5

Does anyone know if Vanguard reports the QCD total amount to you when issuing a 1099 or just includes it as part of the total distribution and it is your responsibility to then determine the amounts that you donated? Also, rather than calling Vanguard to make out a check to the charity, which they t...
by drzzzzz
Sat May 11, 2019 8:14 am
Forum: Personal Investments
Topic: Problem moving 401k from old employer to new employer
Replies: 6
Views: 550

Re: Problem moving 401k from old employer to new employer

File a complaint with whichever federal agency oversees 401K plans - I find that gets rapid results and resolution - since no organization wants to do more paperwork replying to the government.
by drzzzzz
Thu May 09, 2019 9:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Service
Replies: 9
Views: 1233

Re: Vanguard Service

I've been an investor at Vanguard for almost 40 years and have never seen the level of incompetence I have encountered in the last year. It took four months to set up a simple trust brokerage account and it's still not entirely correct. Simple account maintenance corrections all take 10 to 14 days ...
by drzzzzz
Mon May 06, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4217

Re: Bathroom Remodel - Looking for Advice

Heated electric floors are the best part of our three bathroom remodels and we bought a mirror with LED lights around the edge that also defogs when you turn it on so no more wiping the mirror when shaving after a shower.
by drzzzzz
Sat May 04, 2019 10:23 pm
Forum: Personal Investments
Topic: Vanguard PAS experience - weird
Replies: 9
Views: 1641

Re: Vanguard PAS experience - weird

It's your money - I would get rid of him since you seem very unhappy with him - you know your options already - a new Vanguard PAS advisor, Fidelity, or do it yourself, and from what you describe I wouldn't continue with your current advisor.
by drzzzzz
Thu May 02, 2019 10:01 pm
Forum: Personal Investments
Topic: Should I Continue Using Vanguard Personal Service Advisor?
Replies: 10
Views: 1493

Re: Should I Continue Using Vanguard Personal Service Advisor?

I think you should be asking why did you enroll with them, what do u want them to do for you, and can you do that stuff by yourself. The last answer is likely yes, but that is for you to decide (and save the expenses since you have a fairly uncomplicated portfolio).
by drzzzzz
Fri Apr 26, 2019 5:50 pm
Forum: Personal Investments
Topic: My fee only advisor at .8%
Replies: 57
Views: 8705

Re: My fee only advisor at .08%

I would suggest you think about using Vanguard PAS until you are comfortable managing your finances - they can set it up, get it organized for tax efficient placement of mutual funds, use funds that have low expenses, and then when you are ready just start managing it yourself since nothing in the p...
by drzzzzz
Fri Apr 26, 2019 5:44 pm
Forum: Personal Investments
Topic: Vanguard Federal Money Market Fund Question
Replies: 2
Views: 543

Re: Vanguard Federal Money Market Fund Question

If already in the Roth IRA, your dividends that you earn can be invested however you like and in whatever you like within the Roth IRA - they are not new Roth contributions.
by drzzzzz
Tue Apr 23, 2019 6:49 pm
Forum: Personal Investments
Topic: Vanguard Flagship Select Representative ??
Replies: 31
Views: 2662

Re: Vanguard Flagship Select Representative ??

This is going to sound like I am really a pain in the butt, but I try not to be and usually have the question thought out and the proprosed solution to the issue that I am raising when I call Vanguard since I have been unable to get what I need done online. The flagship reps including my personal re...
by drzzzzz
Tue Apr 16, 2019 4:12 pm
Forum: Personal Investments
Topic: Fidelity T Bill Auto-roll,please critique
Replies: 25
Views: 2279

Re: Fidelity T Bill Auto-roll,please critique

just be aware you need to call to cancel. I have found that it is just easier to sell the T-bill than to call in advance and cancel. Of course what you do can depend on how rates have changed since you purchased it but T-bills are bought/sold easily. Settlement on T-bills is T+1 so cash is availabl...
by drzzzzz
Tue Apr 16, 2019 8:57 am
Forum: Personal Investments
Topic: buying treasuries and cd's at Fidelity
Replies: 10
Views: 2898

Re: buying treasuries and cd's at Fidelity

If you aren't in a rush to purchase treasuries today, I would suggest you look at the Fidelity site under fixed income, bonds, & CD; then navigate to find bonds, click on new issues, and you will get an idea of what is available with no commission/fee right now. As of today, there is only one NEW tr...
by drzzzzz
Mon Apr 15, 2019 9:02 pm
Forum: Personal Investments
Topic: My advisor VS Vanguard's PAS
Replies: 70
Views: 4869

Re: My advisor VS Vanguard's PAS

1. When we used them I asked about tax loss harvesting, but they only used average cost for shares rather than specific ID at that time (so I don't know how they can effectively tax loss harvest unless the entire position is at a loss). I don't know if they still use only average cost, but don't re...
by drzzzzz
Sun Apr 14, 2019 9:50 pm
Forum: Personal Investments
Topic: My advisor VS Vanguard's PAS
Replies: 70
Views: 4869

Re: My advisor VS Vanguard's PAS

We have used Vanguard PAS and left them so I would really suggest that you talk with a Vanguard PAS advisor before leaving your current advisor whom you seem to be happy with. Also while we are not Flagship select we have reasonable assets with Vanguard and I find the advice I get from boglehead's ...
by drzzzzz
Sun Apr 14, 2019 3:06 pm
Forum: Personal Investments
Topic: My advisor VS Vanguard's PAS
Replies: 70
Views: 4869

Re: My advisor VS Vanguard's PAS

We have used Vanguard PAS and left them so I would really suggest that you talk with a Vanguard PAS advisor before leaving your current advisor whom you seem to be happy with. Also while we are not Flagship select we have reasonable assets with Vanguard and I find the advice I get from boglehead's i...
by drzzzzz
Sat Apr 13, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting mutual fund shares to a charity from Vanguard
Replies: 12
Views: 867

Re: Gifting mutual fund shares to a charity from Vanguard

I have done this a few times with Vanguard to the SAME charity and they have used two different approaches and neither my flagship rep nor others at Vanguard could explain why it was done differently each time. Once, I needed to fill out a specific form labelled somewhat like donation of funds to ch...
by drzzzzz
Wed Apr 10, 2019 10:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 627
Views: 55436

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

- and, oh by the way, the $250 minimum on Prime MM no longer exists. This is very interesting. I use these checks for QCDs. After I verify this is the case, I will ask Vanguard for a new checkbook that does not state the $250 minimum on each check. Let us know what you find out since I was planning...
by drzzzzz
Mon Apr 08, 2019 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 349
Views: 52604

Re: Does anyone here with net worths north of $1 mil use financial advisors?

I don't think a financial advisor is who we would be looking for (since we like our portfolio and think its relatively tax efficient with low expenses), but it would be helpful to have someone review it for retirement simulations regarding amounts of Roth conversions, withdrawal amounts, and future ...
by drzzzzz
Sun Apr 07, 2019 8:30 pm
Forum: Personal Investments
Topic: Vanguard Checkwriting Account
Replies: 20
Views: 2007

Re: Vanguard Checkwriting Account

In contrast to many of the other comments here, I think having a minimum check amount of $250 an inconvenience and one of the reasons we are moving some IRA funds to Fidelity since Fidelity will allow us to take required minimum distributions (RMD) as qualified chartiable deductions (QCD) from an IR...
by drzzzzz
Wed Apr 03, 2019 9:10 am
Forum: Personal Investments
Topic: FUSVX automatic reinvestment possible at Fidelity?
Replies: 19
Views: 2022

Re: FUSVX automatic reinvestment possible at Fidelity?

I don't know when you started the account, but it is likely the initial funds that you deposited into the account went into the core account originally since it is a money market account that is likely your settlement account as well, and you might have had interest from that. Even if you have a zer...
by drzzzzz
Wed Mar 27, 2019 3:19 pm
Forum: Personal Investments
Topic: Avoiding tax torpedo at 70.5
Replies: 36
Views: 4651

Re: Avoiding tax torpedo at 70.5

I seem to recall that you can also do QCDs (at this time) only from IRAs and not 403B or 401K accounts which means rolling over some or all of the funds to an IRA at some point would be needed if you want to use your retirement accounts for QCD distributions at age 70.5
by drzzzzz
Tue Mar 26, 2019 8:30 pm
Forum: Personal Investments
Topic: Avoiding tax torpedo at 70.5
Replies: 36
Views: 4651

Re: Avoiding tax torpedo at 70.5

Similar situation and we are doing roth conversions now before we are required to take RMDs at age 70.5 at which time we will also use our RMD for QCD donations to charities. We are also giving to a donor advised fund since it bunches up charitable donations and is one of the few deductions left to ...
by drzzzzz
Tue Mar 26, 2019 11:27 am
Forum: Investing - Theory, News & General
Topic: Submit questions for Allan Roth, my next "Bogleheads on Investing" podcast guest
Replies: 22
Views: 2066

Re: Submit questions for Allan Roth, my next "Bogleheads on Investing" podcast guest

Do investment advisors do simulations for clients of Roth conversions and how to minimize taxes in a portfolio and during future retirement or is this better handled by a CPA or other type of financial planner?
by drzzzzz
Thu Mar 21, 2019 9:54 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 103
Views: 13079

Re: Fell in Love with Fidelity

Off topic from the original post, but I wanted to followup on some of the comments on here about a $3000 minimum for a Vanguard mutual fund and suggest that we should be more supportive of individuals who are trying to save and invest in mutual funds and who might not have the same amount of assets ...
by drzzzzz
Thu Mar 21, 2019 12:25 pm
Forum: Investing - Theory, News & General
Topic: Your thoughts on the teachings of Ed Slott
Replies: 52
Views: 5502

Re: Your thoughts on the teachings of Ed Slott

I heard Ed speak and he is a huge proponent of Roth IRAs and practically at any age. It's the purchase of the insurance policy that makes less sense to me since it becomes so expensive as you age if term or else you are buying insurance to use as an investment if whole life. I did howver decide that...
by drzzzzz
Wed Mar 20, 2019 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Donating stock instead of cash to charities
Replies: 37
Views: 1703

Re: Donating stock instead of cash to charities

One of the major reasons that we sent up a Donor Advised Fund was so we could lump a large charitable contribution in one year and be able to do an itemized deduction in the year the gift was given to the DAF - that way we still get some benefit from the charitable deduction on our taxes on schedule...
by drzzzzz
Tue Mar 19, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Donating stock instead of cash to charities
Replies: 37
Views: 1703

Re: Donating stock instead of cash to charities

Look at Fidelity Charitable - their Donor Advised Fund allows you to donate in amounts as low as $50 which is lower than Vanguard's minimum donation amount. It's also easy to transfer Vanguard mutual funds there (all done online with a few clicks) and I really like that it is simple to track who we ...
by drzzzzz
Mon Mar 18, 2019 8:00 pm
Forum: Personal Investments
Topic: State tax on dividends from LT Treasury and Total Bond Market
Replies: 5
Views: 460

Re: State tax on dividends from LT Treasury and Total Bond Market

Depending on the software that you are using, you might be entering the information incorrectly. You need to look at how Vanguard reports it and use those boxes on the 1099-Div to enter the information on your federal taxes (which is usually carried over to the state form if doing it electronically)...
by drzzzzz
Fri Mar 15, 2019 8:51 am
Forum: Investing - Theory, News & General
Topic: 90 day waiting period for Vanguard Flagship
Replies: 37
Views: 4069

Re: 90 day waiting period for Vanguard Flagship

I think it's poor marketing, why advertise it and then not give it to you for 90 days - sometimes things they do make no sense to me and only appear to be hurdles to the client - makes you wonder if Vanguard really appreciates your or my business.
by drzzzzz
Fri Mar 08, 2019 11:44 am
Forum: Personal Investments
Topic: Vanguard used FIFO cost basis when I specified SpecID
Replies: 40
Views: 1899

Re: Vanguard used FIFO cost basis when I specified SpecID

I have had other issues with Vanguard about reinvesting dividends when I said they should go to the settlement account because I was also tax loss harvesting and wanted to avoid wash sales. I now do screenshots of my transactions with Vanguard so I have a record of it. I would also change your accou...
by drzzzzz
Wed Mar 06, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone leaving behind a scholarship fund?
Replies: 63
Views: 3981

Re: Anyone leaving behind a scholarship fund?

We have set up three scholarships at both colleges and universities. Two of the places had a matching scholarship program since they were trying to grow the schools endowments and scholarships and therefore matched every dollar that we committed to donate effectively doubling the size of the scholar...