Search found 226 matches

by drzzzzz
Wed Sep 19, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 34
Views: 2912

Re: Anyone hire an interior designer?

We just redid the kitchen and have an open large space with kitchen/living room/dining room and are looking for suggestions for online firms to get paint recommendations - any one have ideas?
by drzzzzz
Sun Sep 16, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Am I "buying high" if I transfer stable value funds over to stock index fund now?
Replies: 26
Views: 1811

Re: Am I "buying high" if I transfer stable value funds over to stock index fund now?

You have a lot of stressors right now and you should do what feels comfortable to you and don't worry about what this group thinks since they will only tell you to decide on an asset allocation that is appropriate for you and invest in it now, not later. You are correct that the market can go down a...
by drzzzzz
Sun Sep 16, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor suggesting 7 Bond funds for my 40%
Replies: 44
Views: 5116

Re: Vanguard Advisor suggesting 7 Bond funds for my 40%

We used them about a year ago and they recommended 4 or 5 bond funds - what I am surprised by is the low percentage of international bonds since when we talked to them then, they wanted around 20-40% of your bonds in international and most of their lifestrategy funds, target date funds, and now worl...
by drzzzzz
Sun Sep 16, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 131
Views: 33494

Re: Vanguard opens special offices for $1 million clients

Maybe my issues have been different, but I would value an office - now, if I want something done quickly and in a timely fashion without much hassle I use Fidelity since I can go to their local office and get it done easily without the email or phone back and forth that seems to occur with Vanguard ...
by drzzzzz
Fri Sep 14, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 354
Views: 37319

Re: Northwest FCU 3-year 3.04% Add-On CD

Kevin, The other question that I would have is that if you are initiating the pull at Vanguard from your NWFCU account and it is for greater $30,000 do you know if it will still go through - I seem to recall reading NWFCU limits ACH transfers to $30,000 per month and I am wondering if the pull start...
by drzzzzz
Fri Sep 14, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Planning to Contact Vanguard
Replies: 29
Views: 1759

Re: Planning to Contact Vanguard

There is kinda a difference between your initial posting questioning whether your numbers are correct and can you afford to retire versus what should the post-retirement plan be and what will Vanguard suggest - my guess is if you call them and tell them you are interested in transferring funds to th...
by drzzzzz
Thu Sep 13, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 354
Views: 37319

Re: Northwest FCU 3-year 3.04% Add-On CD

Vanguard is not a bank, but I was on the phone with them about wiring funds in. They said it can be done, but all of the discussion was related to taxable accounts. In a taxable account, might as well just set up NWFCU as an external bank at Vanguard, then on the day the proceeds are deposited into ...
by drzzzzz
Mon Sep 10, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 354
Views: 37319

Re: Northwest FCU 3-year 3.04% Add-On CD

There are a lot of machinations about how to get the funds out, electronic transfer limitations, and the ease of doing that, etc. Can you go to an affiliated credit union and ask to withdraw the funds and get a check that way?
by drzzzzz
Sat Sep 08, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Millions to Invest at 30 - VTSAX, VTIAX, and VWIUX Lump Sum?
Replies: 9
Views: 2977

Re: Millions to Invest at 30 - VTSAX, VTIAX, and VWIUX Lump Sum?

I think your allocation is fine for you - you have already accrued a substantial amount that you can use to live off of (more than most people at double your age) and taking an approach that limits downside risk is prudent if that is your concern. As Bill Bernstein has said - if you have won the gam...
by drzzzzz
Sat Sep 08, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4149

Re: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]

That's a great idea if you live in the ideal world. In the world I live in, I have to communicate with Vanguard. For instance, if I didn't change my mutual funds at Vanguard from admiral to etfs, Vanguard would have automatically converted then to regular shares before shipping them to fidelity. So...
by drzzzzz
Fri Sep 07, 2018 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4149

Re: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]

You might have tried this already, but since the funds are all in IRAs, I would just ask Vanguard to sell everything in the account and transfer to Fidelity or have Fidelity initiate the IRA transfer after everything is sold.
by drzzzzz
Fri Aug 31, 2018 8:06 pm
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 30
Views: 4590

Re: more rotten service from Vanguard [ACH transfer, fund availability]

Have you tried asking to talk to a supervisor a Vanguard? Unfortunately, writing a letter to the CEO will take weeks to get a response. I am more curious about why a hold was placed and if Vanguard explicitly told you that you are not welcome or whether that is your interpretation of your encounters...
by drzzzzz
Thu Aug 30, 2018 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Treasuries - how to buy (not using Treasury Direct)
Replies: 20
Views: 2125

Re: Treasuries - how to buy (not using Treasury Direct)

Try this link for the auction schedule, less clunky and easier to read and find things

https://www.treasury.gov/resource-cente ... ctions.pdf
by drzzzzz
Thu Aug 30, 2018 7:18 am
Forum: Investing - Theory, News & General
Topic: Why do people buy ETFs in taxable with Vanguard when the ETF tracks an equivalent index fund?
Replies: 29
Views: 2388

Re: Why do people buy ETFs in taxable with Vanguard when the ETF tracks an equivalent index fund?

Someone mentioned that ETF avoid capital gains distributions - is that really accurate since I would assume the percentage distribution would be the same for both; wouldn't both have the same tax efficiency regarding distributions since the ETF is just a class of the underlying mutual fund?
by drzzzzz
Sun Aug 26, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Change from Admiral to Investor Class Shares at Vanguard
Replies: 13
Views: 1772

Re: Change from Admiral to Investor Class Shares at Vanguard

These threads are always amusing, but unfortunately serious since they involve client expectations of Vanguard and where they aren't meeting them. I can empathize with many of the issues, have had similar difficulties, and find it concerning that Vanguard doesn't pay more attention to it. I have bee...
by drzzzzz
Sat Aug 25, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Certified Advisors: New? Young? Okay? Please Help!
Replies: 52
Views: 3139

Re: Vanguard's Certified Advisors: New? Young? Okay? Please Help!

For me, the percentage of stock allocation at your age is too risky, especially since it appears that you have been in more stable and safe investments while not having gone through a huge market drop where your account drops 30 or 40 or 50% and you stop looking at the market since it seems so depre...
by drzzzzz
Sat Aug 25, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4163

Re: Shingrix

Per the manufacturer and our local pharmacies, it is supposedly easier to find the second shot now or will be shortly
by drzzzzz
Sat Aug 25, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: 2-Year Treasury Note Auction
Replies: 86
Views: 7378

Re: 2-Year Treasury Note Auction

For those of you who have bought treasury bills through vanguard, can you answer the following question. I have only a few hundred dollars in my settlement account, but sufficient funds in my prime money market acct to purchase an order for treasury bills that i submitted. do i need to transfer fund...
by drzzzzz
Fri Aug 24, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Go With Vanguard PAS After This Recommendation?
Replies: 28
Views: 2221

Re: Should I go with Vanguard PAS After This Recommendation?

Looks fine to me, assuming your investing time line is north of 10 years. Just realize the stock market will lose significant value several times during your investing career and DON'T panic sell when this happens. I suggest you can do the investing without the 0.3% drag from the Vanguard PAS servi...
by drzzzzz
Wed Aug 22, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 97
Views: 6091

Re: Vanguard Customer Service

Has happened to me as well on numerous occasions and I can't figure out why - sometimes I can send by trying again, other times fails - maybe Vanguard monitors this site and will fix this annoying issue
by drzzzzz
Wed Aug 22, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: VG PAS Recommendations - Surprised/Disappointed?
Replies: 14
Views: 1643

Re: VG PAS Recommendations - Surprised/Disappointed?

We used PAS briefly and our advisor shared the following information when I asked similar questions - they don't typically use TIPS but rather the stock portion of the portfolio serves as the inflation hedge. Still not sure why they split bonds the way the OP mentioned, but was same for us, while to...
by drzzzzz
Sat Aug 18, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 68
Views: 14709

Re: This is Unbelievable - another Vanguard customer support odyssey

Was on the phone with my Vanguard Flagship rep recently and shared how easy it was to open up new accounts and rapidly rollover annuity and IRA accounts for my parents at Fidelity in comparison to Vanguard where there seem to be so many roadblocks and he was not at all surprised.
by drzzzzz
Sat Aug 18, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 76
Views: 8785

Re: For those of you in the Accumulation Phase - How often do you check?

Check as often as you want since I find it is helpful to understand how balances and different asset classes change based upon what is happening in the market, just don't change your plans based upon the daily noise
by drzzzzz
Sat Aug 18, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 6751

Re: Men’s Underwear recommendation

This is a pretty amusing thread and after seeing some of the recommendations that I have never heard of, it was even funnier to watch some of the youtube videos about the brands and recommendations for best underwear.
by drzzzzz
Wed Aug 15, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1050
Views: 81463

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Everyone's risk tolerance is different and while I invest in international, it also seems to me that international markets often have greater daily swings when compared to US markets which is frustrating and at times anxiety provoking - I assume it is because they are less liquid, more opaque, have ...
by drzzzzz
Sat Aug 11, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: VPAS and backdoor Roth IRA
Replies: 3
Views: 349

Re: VPAS and backdoor Roth IRA

it's simple to do on the web-site, just fund a new traditional ira account and then the next day of the following day whenever the funds clear, use the link that gives you the option to to convert the account to a roth ira - again i would suggest keeping it easily identified and separate by opening ...
by drzzzzz
Sat Aug 11, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 9630

Re: [New Vanguard website layout starting Saturday, August 11]

The holdings page is now so annoying, who wants to scroll through pages on your screen to see stuff - Vanguard really needs to work on IT and obtain customer input before making changes.
by drzzzzz
Thu Aug 09, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Excellent Vanguard Service!
Replies: 8
Views: 1779

Re: Excellent Vanguard Service!

I've seen many posts here about problems with Vanguard Customer Service. I've had mostly good and some mediocre service in the past but recently had a very positive experience. I think it's worth bringing experiences like this to light since often only the negative ones are reported. A day before l...
by drzzzzz
Tue Aug 07, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: Best Fidelity Money Market Account to Hold Cash?
Replies: 13
Views: 1810

Re: Best Fidelity Money Market Account to Hold Cash?

Thank you! I assume I can buy these through Fidelity in any kind of account, including IRA and other retirement accounts?
[/quote]

Yes, so far I have bought in both IRA and regular accounts - there is no cost to buy if you do it electronically.
by drzzzzz
Tue Aug 07, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: Best Fidelity Money Market Account to Hold Cash?
Replies: 13
Views: 1810

Re: Best Fidelity Money Market Account to Hold Cash?

Buying new T bills at Fidelity is really easy, click on heading Investment Products, then click fixed income, bonds, cds; then click individual bond link, then US treasury, find bonds, then new issues, and scroll down to treasury - there is likely other paths to get to the same pages, but this is ea...
by drzzzzz
Tue Aug 07, 2018 8:10 am
Forum: Investing - Theory, News & General
Topic: Advice on Roth conversions
Replies: 24
Views: 2126

Re: Advice on Roth conversions

Does NIIT get applied to all investment income once a threshold is reached or only the income over that threshold such as $250,000 if filing jointly? thanks
by drzzzzz
Fri Aug 03, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 737
Views: 69939

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

My take is that Fidelity has gotten a huge amount of publicity and positive feedback doing this and Vanguard doesn't yet know how to respond based upon the CIO's comments. I think it will help lots of people who have a small amount of money available to invest rather than the 3,000 or 10,000 thresho...
by drzzzzz
Tue Jul 31, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard fund is best to tilt to SCV?
Replies: 16
Views: 1091

Re: Which Vanguard fund is best to tilt to SCV?

Since Vanguard will be offering ETF's from all providers without a fee, is there a non-Vanguard SCV ETF that individuals would recommend instead of Vanguard's own ETF that tilts more to SCV?
by drzzzzz
Mon Jul 30, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: should I use vanguard's 2 step verification sign in
Replies: 53
Views: 7924

Re: should I use vanguard's 2 step verification sign in

For individuals who use 2 step verification with a text message code, do you do that each time you sign-on, even from your own computer? and if you have Yubikey enabled and are using that for the verification, do you also need to have the key each time or just when from a new computer? thanks
by drzzzzz
Wed Jul 25, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help with PAS plan
Replies: 16
Views: 1045

Re: Need Help with PAS plan

If you are going to continue to use Vanguard PAS, I would suggest asking for a new adviser since your concerns and her time limits are causing you much distress. We used them for about a year and withdrew for different reasons that don't apply to you, but the adviser always had time to take calls an...
by drzzzzz
Mon Jul 23, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Thank you for saving me from Fidelity $$$ advice! Now seeking help.
Replies: 15
Views: 2895

Re: Thank you for saving me from Fidelity $$$ advice! Now seeking help.

When I was looking around at fidelity for low expense and blended product, came across this fund that you might want to look into called FFNOX - Fidelity Four in One Index Fund, expense ratio 0.11, higher percentage of stock than 85%/15% includes the following and their percentages: Domestic Equity ...
by drzzzzz
Wed Jul 11, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: Disappointed with Fidelity's Online Interface
Replies: 19
Views: 1751

Re: Disappointed with Fidelity's Online Interface

If you want an IT interface that was just updated and is totally illogical try TIIA. I will take Fidelity's web-site any day over Vanguard's which seems to be less efficient and functional and limited in its applications.
by drzzzzz
Tue Jul 10, 2018 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Spending - which account?
Replies: 4
Views: 739

Retirement Spending - which account?

Confused about which account to use for retirement expenses. I am planning to retire next year at age 63 and delay taking social security until age 70. I have about 60% of my assets in tax-deferred accounts, 30% in taxable accounts, and 10% in roth accounts. I would like to do some Roth conversions ...
by drzzzzz
Wed Jul 04, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Terminating personal advisory service
Replies: 4
Views: 814

Re: Terminating personal advisory service

We just told the advisor that we would no longer be using them and gave them the date that we would stop. All accounts and positions stayed as is. I don't recall if they asked why were were leaving, but do recall they had asked why we had originally signed up with them and what had changed (I think,...
by drzzzzz
Mon Jul 02, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6509

Re: Vanguard is really pushing their Personal Adviser Service

While I have had multiple issues with Vanguard, I would presume that once her balance at Vanguard goes over a million and she is Flagship, they will do phone trades for no charge, just not sure that will happen till her balance shows her as flagship and of course they do encourage online transaction...
by drzzzzz
Thu Jun 21, 2018 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Short-term Treasury ETF vs just buying Treasuries
Replies: 41
Views: 3210

Re: Short-term Treasury ETF vs just buying Treasuries

For someone who just this week bought their first treasury bills at auction through the Fidelity website in both ra etirement and a brokerage account, using Fidelity's website was a breeze - no fee, you knew what the yield would be, and they have a very knowledgable and easy to reach fixed income gr...
by drzzzzz
Mon Jun 18, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: Do you have to invest in Bond ETF?
Replies: 7
Views: 952

Re: Do you have to invest in Bond ETF?

At your age, all stock is fine since you have lot's of time to recover from the inevitable decline that will occur in stocks when they drop in price from a sell-off. Bonds are to help reduce volatility in a portfolio so you have less of a loss when the market goes through a down cycle and allows you...
by drzzzzz
Sat Jun 16, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: When to "raise my rate" (Ally bank CD)
Replies: 19
Views: 2766

Re: When to "raise my rate" (Ally bank CD)

Consider breaking the CD and buying a 3-year brokered CD at 3%. According to https://www.depositaccounts.com/tools/break-cd-calculator.aspx, if you break a 2.35% CD with an EWP of 5 months of interest and invest it in a 3-year CD at 3%, you will earn about $100 more on $10K at the end of three year...
by drzzzzz
Mon Jun 11, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: FSTVX (Fidelity Total Market Index Fund Premium Class) in Taxable account
Replies: 9
Views: 862

Re: FSTVX (Fidelity Total Market Index Fund Premium Class) in Taxable account

If FSTVX from Fidelity and VTSMX (Total Stock Market) from Vanguard are both labelled as total market and following similar indexes, why is tax efficiency so different for each fund or is it not really?
by drzzzzz
Tue May 29, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Creative Planning vs Vanguard PAS
Replies: 94
Views: 6632

Re: Creative Planning vs Vanguard PAS

We were using Vanguard PAS and left them - see the following thread and you will see some of my comments about why we stopped utilizing their services since they might be germaine to some of your issues https://www.bogleheads.org/forum/viewtopic.php?f=2&t=236085. I will also add that prior to Vangua...
by drzzzzz
Tue May 29, 2018 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendation for Independent Insurance Broker
Replies: 3
Views: 602

Recommendation for Independent Insurance Broker

hi
any recommendations for an independent insurance broker in the philly area or where to go about looking for one?
we have multiple policies (house, car, and umbrella) that I would like to get quotes on
thanks
by drzzzzz
Sun May 27, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 174
Views: 31898

Re: GEICO auto rates vs. USAA: too good to be true?

We have had two claims with Geico in the last few years which were both within a month of each other and to the same car - the first claim was because a car backed into ours in a parking lot that was unwitnessed and the other was a deer that hit the front of the car. Geico was easy to work with, rec...
by drzzzzz
Fri May 18, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Stepfather's annuity
Replies: 14
Views: 1550

Re: Help with Stepfather's annuity

This might be off topic, but possibly of value to you as an FYI - I recently rolled over two annuities for my mother to a Fidelity IRA and I felt Fidelity went out of their way to keep me in the loop, overnight paperwork as needed, and meet tight deadlines in contrast to experiences that I have had ...
by drzzzzz
Fri May 18, 2018 9:17 am
Forum: Investing - Theory, News & General
Topic: Challenge: guess the effect of rebalancing (by interval or bands) in 2008-2009
Replies: 35
Views: 4186

Re: Challenge: guess the effect of rebalancing (by interval or bands) in 2008-2009

Vanguard had a white paper on rebalancing back in 2015 https://www.vanguard.com/pdf/ISGPORE.pdf and their conclusions which are below were similar: "Just as there is no universally optimal asset allocation, there is no universally optimal rebalancing strategy. The only clear advantage so far as main...