Search found 639 matches

by fundseeker
Wed Dec 13, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about donating appreciated fund shares
Replies: 7
Views: 500

Questions about donating appreciated fund shares

So, our taxable fund has more than doubled, and I really want to give some of these fund shares to charity instead of using cash, but it seems like such a pain! I am trying to use VG's form for donating securities, but apparently I must have a brokerage account to pull this off. I have filled out th...
by fundseeker
Tue Dec 12, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Parking Lot Dent: Pay myself or submit claim
Replies: 14
Views: 1529

Re: Parking Lot Dent: Pay myself or submit claim

You could: - go by a car dealer (or Carmax) and ask the buyer it the scratch really affects your trade in value or not. - check with a company that does paintless dent removal to see if that would improve the unsightliness (which would be less than the deductible and not affect your rates). - just f...
by fundseeker
Sun Dec 10, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Help Choosing a Fidelity Bond Index Fund
Replies: 19
Views: 1002

Re: Help Choosing a Fidelity Bond Index Fund

Good catch! Mmmm...maybe I should switch to the index fund, except that I like that the returns of FTBFX have been greater over the past 10 years. I do see though, like Mr. Larimore pointed out, that FSITX faired better around 2009. Thanks for correcting my mistake.
by fundseeker
Sun Dec 10, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Help Choosing a Fidelity Bond Index Fund
Replies: 19
Views: 1002

Re: Help Choosing a Fidelity Bond Index Fund

retiredjg, You're right, FTBSX is not an index fund, but I just double checked and its expense ratio is no higher than the index fund, FSITX, which is .045%, according to Fidelity's website.
by fundseeker
Sun Dec 10, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Help Choosing a Fidelity Bond Index Fund
Replies: 19
Views: 1002

Re: Help Choosing a Fidelity Bond Index Fund

Hi, I'm in the process of restructuring my Roth IRA holdings to be three funds- total stock, total bond, total international. I was looking at FSITX in Fidelity, and I was wondering why it received only a 3 star rating from Morningstar. Is this the best Fidelity Total Bond Index Fund, or are there ...
by fundseeker
Sun Dec 10, 2017 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Fraud/401k sales and the elderly parent
Replies: 14
Views: 1548

Re: Fraud/401k sales and the elderly parent

Very sorry to hear that this happened to your father. I'll let others answer most of your questions, but I would have his bank tell me exactly where and to what account the funds were wired, and I would contact the fraud department at that bank to alert them and have them, immediately if possible, f...
by fundseeker
Sat Dec 09, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best FEDVIP dental insurance for braces/orthodontics
Replies: 7
Views: 476

Re: Best FEDVIP dental insurance for braces/orthodontics

This doesn't answer your question, but don't forget that you can max out your FSA and at least not pay taxes on the amount you spend for the braces (or other qualified expenses).
by fundseeker
Sat Dec 09, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: PSA - Don't overlook benefit of 529 even if you're very late to the game
Replies: 4
Views: 811

Re: PSA - Don't overlook benefit of 529 even if you're very late to the game

All done! I know $375 is not much money, but it was worth a few mouse clicks. Now, if donating appreciated mutual fund shares to avoid capital gain taxes were that easy...
by fundseeker
Sat Dec 09, 2017 8:41 am
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 82
Views: 10708

Re: Just not getting it

AMAT, MU, FB, GOOG, NFLX, NVDA, BA, AAPL If we had all known then what we know now about those stocks, many of us would have bought them. But, that's my 20/20 hindsight at work. Also, if we had known then what we know now about how well the entire market would do, most of us would have gone 100% in...
by fundseeker
Sat Dec 02, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: PSA - Don't overlook benefit of 529 even if you're very late to the game
Replies: 4
Views: 811

Re: PSA - Don't overlook benefit of 529 even if you're very late to the game

Thanks for explaining it, edge! I'd edit and remove the "PSA," but then there'd be questions about the second and third posts which I cannot remove.
by fundseeker
Sat Dec 02, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: PSA - Don't overlook benefit of 529 even if you're very late to the game
Replies: 4
Views: 811

PSA - Don't overlook benefit of 529 even if you're very late to the game

It seems odd to me that I am about to make my annual 529 withdrawal for this tax year, but I can also continue making contributions even at this late stage so that I can get my state's deduction (for us, $500 on a $10,000 contribution). I am just pointing this out because I imagine that many people ...
by fundseeker
Wed Nov 22, 2017 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Planning for the final months of work
Replies: 50
Views: 3757

Re: Planning for the final months of work

From EJ's website: https://www.edwardjones.com/images/revenue-sharing-disclosure.pdf "Revenue Sharing Disclosure Edward Jones receives payments known as revenue sharing from certain mutual fund companies, 529 plan program managers and insurance companies (collectively referred to as “product partner...
by fundseeker
Mon Nov 20, 2017 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Planning for the final months of work
Replies: 50
Views: 3757

Re: Planning for the final months of work

I have often considered Edward Jones as being expensive except there at EJ I have a real financial advisor. - But you could post your questions here and get very solid and free advice! EJ does not sell their own funds like Vanguard and Fidelity do. But, that is where they make their money, by selli...
by fundseeker
Mon Nov 13, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?
Replies: 98
Views: 8027

Re: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?

My Mom qualified for assisted living. Problem #1 she didn't want to go into a special home. #2 Where I live it cost between $6,000 - $7,000. per month for assisted living. #3 We didn't have that kind of money $72,000. per year. So...what to do? Someone has to step up & really help out. In our case ...
by fundseeker
Wed Nov 08, 2017 6:35 am
Forum: Personal Consumer Issues
Topic: DIY vs work extra and pay a pro
Replies: 37
Views: 2891

Re: DIY vs work extra and pay a pro

My husband tackles everything. I was supposed to replace a dishwasher but he went online and found a youtube on how to fix the dishwasher for a few hours. He saved $1500. I didn’t mind spending but he didn’t like to wait for a new one. Plus he retires now so he likes to do these things. Mmmm...he s...
by fundseeker
Wed Nov 01, 2017 6:31 am
Forum: Personal Consumer Issues
Topic: Honda Care Extended Warranty experience?
Replies: 46
Views: 23078

Re: Honda Care Extended Warranty experience?

Sorry to bring this thread back.... Just purchased a 2017 CRV Touring (paid cash) and I am considering buying the Honda Care warranty since this vehicle is completely new line with many electronic parts. Looks like about $1000 for 8 year 120K mile plan. I have had mixed experience with Honda, have ...
by fundseeker
Tue Oct 31, 2017 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Keep or Sell?
Replies: 13
Views: 1024

Re: Keep or Sell?

Just curious, what percentage of your money did you invest in this silver? Hope it was just your "play money" that some of us have to gamble in the market so we leave our real money alone. Regardless, I'd probably sell at least some of it for the losses, but I would not look to a place with great re...
by fundseeker
Mon Oct 30, 2017 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Inheritance and Joint account with Siblings
Replies: 44
Views: 1894

Re: Inheritance and Joint account with Siblings

+! for #1. I can't imagine any possible benefit to #2, and what a potential nightmare. My siblings and I took our inherited IRAs and went our separate ways, investment-wise. If you all decide on #1, I believe you'll want to keep it under the gift tax limit, which you may be able to double if both pa...
by fundseeker
Sat Oct 28, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Sanity Check - Would like to pay off mortgage early
Replies: 35
Views: 2678

Re: Sanity Check - Would like to pay off mortgage early

We don’t have enough deductions to itemize, even with mortgage. Is that right? We paid off our mortgage early, and we can still itemize. I'm surprised you can't, but if you gave some money to charity, maybe then you could itemize, if you see any advantage to that (either taxwise or otherwise). My v...
by fundseeker
Tue Oct 17, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan
Replies: 34
Views: 3971

Re: Thrift Savings Plan

I have been pulling back, and I've gone from 60/40 to about 58/42. I am tempted to pull back further and may do so soon, and I call that rebalancing to my new allocation comfort level, but you can call it market timing or whatever. :) And, for months I have had my TSP contributions buying nothing bu...
by fundseeker
Mon Oct 16, 2017 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan
Replies: 34
Views: 3971

Re: Thrift Savings Plan

I disagree with dollar cost averaging into your chosen allocation because it is market timing and irrational. If you decide on an L fund with a 70% stock allocation, go ahead and move your funds to that allocation tomorrow. If you are comfortable being invested in a 70% stock allocation six months ...
by fundseeker
Mon Oct 16, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan
Replies: 34
Views: 3971

Re: Thrift Savings Plan

I agree with the L Funds until you learn more, but lets say you select one that is 70% stock. I do not recommend that you immediately transfer all of your TSP money into that fund in one transaction. If there is a big correction the day after, you might really regret having done that. My recommendat...
by fundseeker
Mon Oct 16, 2017 6:49 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3528

Re: Buying 2017 Honda CR-V

radiowave, from my review of Truecar.com prices in our area, the EX is not even $3,000 more than the very basic LX. We have always bought EX Hondas because we do not need too many extras, but I gotta believe the extras you get with the EX are a huge improvement over the LX. Go ahead and plurge a lit...
by fundseeker
Fri Oct 13, 2017 5:46 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3528

Re: Buying 2017 Honda CR-V

I have been waiting for my 2004 Honda CRV to die so I can buy a modern car/SUV! It has 351,000 miles and keeps chugging away so I feel guilty putting it out to pasture. Mmmm...it's good to be thrifty, but there's something to be said for having the latest in safety features (e.g. more airbags, etc....
by fundseeker
Sun Oct 08, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7648

Re: Lowes vs Home Depot

However I've been visiting Lowes a lot more often because of their website. I think their website is much better presented then HD. Second the HD search and menu is pathetic compared to Lowes. Last is I can easy find out if they have the items in stock before leaving and what I see in quantity gene...
by fundseeker
Sat Oct 07, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Does my Honda CRV need servicing?
Replies: 11
Views: 1003

Re: Does my Honda CRV need servicing?

OP, have you seriously had this SUV for 4+ years since it was new and never had the cabin or engine any filter replaced, brake fluid changes, or brakes replaced? Just wondering... Anyway, Hondas are very low maintenance and those are all of the things it would have needed, other than the oil and fil...
by fundseeker
Mon Oct 02, 2017 6:37 am
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 10340

Re: Current Bull Market could last years

I'm pretty close to 100% stocks (with a little cash from dividends that I haven't reinvested yet). With the Federal Reserve ending QE and raising rates I think bonds are a bigger risk than stocks right now. The Vanguard Total Bond ETF (BND) has a negative return over the past year and has only retu...
by fundseeker
Sat Sep 30, 2017 7:24 am
Forum: Investing - Help with Personal Investments
Topic: My dad recently passed away and I need help with mom's IRA diversification (23.9% in a single stock)
Replies: 29
Views: 1466

Re: My dad recently passed away and I need help with mom's IRA diversification (23.9% in a single stock)

..., she could sell Chevron all of the way up to the next bracket without paying capital gains, as I understand it. The Chevron stock is in the IRA, so capital gains taxes do not come into play. The IRA is probably a rollover from a 401(k) at Chevron. Good catch! I will place myself on advice/sugge...
by fundseeker
Sat Sep 30, 2017 7:09 am
Forum: Investing - Help with Personal Investments
Topic: My dad recently passed away and I need help with mom's IRA diversification (23.9% in a single stock)
Replies: 29
Views: 1466

Re: My dad recently passed away and I need help with mom's IRA diversification (23.9% in a single stock)

Well...if that was the way your father set it up, she may want it to stay just the way it is. But she might want to consider her tax situation, whether to continue to drawing SS or not, estate tax limits, etc. If there's any chance she is in the 15% bracket, she could sell Chevron all of the way up ...
by fundseeker
Wed Sep 27, 2017 7:28 am
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 6828

Re: I'm shocked!

Fundseeker...You are correct, my mom wants me involved now. We are doing just what you suggested. We will try to get all her accts together and see what's up. We will start to condense all her accts as they come due (Her idea). Seems like it's all in 5 year bonds coming due at all different times. ...
by fundseeker
Wed Sep 27, 2017 7:14 am
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 6828

Re: I'm shocked!

I don't know why everyone wants you to stay out of it. She is 87 and totally trusts some "advisor," and you and your brother have no idea what all she has. Again, I'm not saying change the allocation, I'm just saying get the big picture. It'll be too late after she falls prey to some telemarketer an...
by fundseeker
Wed Sep 27, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 6828

Re: I'm shocked!

I think you should get heavily involved, not to make the money grow but to get the entire picture of her finances and help her understand it better, and for you to protect her from over paying and fraud. She sounds like she is okay with you being involved, so I would offer to gather all of the infor...
by fundseeker
Tue Sep 26, 2017 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Shifting 100% Stock → 35% Stock & 65% Bonds / REITs
Replies: 52
Views: 6387

Re: Shifting 100% Stock → 35% Stock & 65% Bonds / REITs

That is quite a swing. I'm sure you're not the only one pulling out of the market, but I hope you are able to get back in at the right time. Just wondering how and when you decided 100% was a good idea, and why didn't you make this change a year or six months ago? I am with you on being nervous thou...
by fundseeker
Sun Sep 24, 2017 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Moving to TSP + Pension - How to adapt AA to changes?
Replies: 24
Views: 2167

Re: Moving to TSP + Pension - How to adapt AA to changes?

Hope you enjoy your Federal LE career. Just thought I'd suggest, - that you continue to be aggressive in your allocation, since your job is pretty secure. I wish I'd been more aggressive over the years, but maybe I wouldn't be saying that if the market had not done so well. - re for buying or rentin...
by fundseeker
Sat Sep 23, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Invest, or Buy a $25,000 Screened-in Deck?
Replies: 24
Views: 2379

Re: Invest, or Buy a $25,000 Screened-in Deck?

Yeah, we'd need more financial information, e.g., how much is the house worth, etc. We have loved our screened porch, but the deck already existed, so all we had to spend was $8,000 many years ago, which was on less than 3% of the house value.
by fundseeker
Wed Sep 20, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Laying sod... too late in the year?
Replies: 12
Views: 1455

Re: Laying sod... too late in the year?

OP, Just wondering how that project is going, especially the tilling part, which I am considering doing myself. Thanks!
by fundseeker
Mon Sep 18, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 year refinance vs cash out refinance
Replies: 32
Views: 2289

Re: 15 vs 30 year refinance vs cash out refinance

Yeah, that doesn't sound fun! It definitely shows how unexpected things can happen and be expensive. Glad it sorta worked out. Thanks for sharing!
by fundseeker
Mon Sep 18, 2017 6:56 am
Forum: Investing - Help with Personal Investments
Topic: Proceeds of Home Sale
Replies: 5
Views: 557

Re: Proceeds of Home Sale

Our financial background: 36 year old with family $900k in retirement assets (including $600k in taxable accounts) First post? Welcome aboard! Just wondering, how do you have so much in taxable compared to your tax deferred? Have you been maxing out tIRAs and Roths? Anyway, I think you will find th...
by fundseeker
Sun Sep 17, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 108
Views: 17551

Re: Becoming a Landlord: My Experiences

denovo, Very interesting thread! Thanks for the information! For me, it might be something to consider in retirement, but I'm not sure I could deal with all of that while employed. Thanks again!
by fundseeker
Sun Sep 17, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 year refinance vs cash out refinance
Replies: 32
Views: 2289

Re: 15 vs 30 year refinance vs cash out refinance

Meg77 wrote:
Sat Sep 16, 2017 5:59 pm
Especially since rentals can come with cash flow headaches of their own. Ask me about the $30,000 plumbing repair I just had to do on a $130K rental.
Ouch! The OP may not want to hear about such problems, but I'd be interested in some details. :)
by fundseeker
Sat Sep 16, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 year refinance vs cash out refinance
Replies: 32
Views: 2289

Re: 15 vs 30 year refinance vs cash out refinance

In your scenario, it sounds like you plan for this to happen: $300k debt on your $300k house $30k debt on your first rental $70k debt on your second rental ($100k purchase price) That may not be "overleveraged," but it at least looks "highly" leveraged. Guess it could work, and you seem to have enou...
by fundseeker
Sat Sep 16, 2017 5:57 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 26003

Re: Name something you had to have and now you regret purchasing it?

Leyland cypress and Bradford pear trees! They only cost me about $15 each to plant, but now I am paying hundreds of dollars each to have them cut down because they grew so fast and got so large. So, I hope any new homeowners out there do not consider planting these two types of trees.
by fundseeker
Sat Sep 16, 2017 5:51 am
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 year refinance vs cash out refinance
Replies: 32
Views: 2289

Re: 15 vs 30 year refinance vs cash out refinance

Here is the definition of dilemma: "a situation in which a difficult choice has to be made between two or more alternatives, especially equally undesirable ones" It sounds like your situation is totally optional :happy . And IMHO, all of your alternatives are very very risky! The only way I'd use ou...
by fundseeker
Sat Sep 16, 2017 5:40 am
Forum: Personal Finance (Not Investing)
Topic: To Refinance or not to Refinance
Replies: 17
Views: 1519

Re: To Refinance or not to Refinance

I'm not sure #2 is a great idea. I haven't done the math, but would some of that $70k be better used to get rid of the car loans, for which you get no tax deduction? You do get a tax deduction on the 5.25 mortgage, so the effective tax rate is less than that, maybe even somewhere down near the car l...
by fundseeker
Sat Sep 16, 2017 5:27 am
Forum: Investing - Help with Personal Investments
Topic: Should I dump (W)Hole Life Insurance and Variable Insurance
Replies: 14
Views: 1171

Re: Should I dump (W)Hole Life Insurance and Variable Insurance

If you can afford to have the cash tied up for awhile (2 decades) and are otherwise maxing out your other tax advantaged investments, whole life insurance is actually a very interesting approach over a long term. It offers some unique tax advantages returns within the policy that can be hard to rea...
by fundseeker
Sat Sep 16, 2017 5:23 am
Forum: Personal Consumer Issues
Topic: Recommend a DIY home improvement forum?
Replies: 3
Views: 711

Re: Recommend a DIY home improvement forum?

Seems like sub forums would be helpful, like for plumbing, HVAC, electrical, etc. Anyway, you can always Google your issue as it is needed, and check out YouTube, which has been great when I needed help, like for replacing the house water regulator, replacing a shower faucet, etc.
by fundseeker
Sat Sep 16, 2017 5:15 am
Forum: Personal Finance (Not Investing)
Topic: Help buying first house in Huntsville, Alabama
Replies: 12
Views: 1245

Re: Help buying first house in Huntsville, Alabama

Between moving to a new city and starting a new job at a startup company it would be good to rent for six months or a year before you buy a house just to make sure that things are working out well there. That will also give you time to learn the local housing market and find a really good house. Co...
by fundseeker
Thu Sep 14, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Badly Needed---Meeting with Financial Advisor
Replies: 49
Views: 4147

Re: Advice Badly Needed---Meeting with Financial Advisor

Unbelievable! I hate to think how many victims of his are out there. You should tell your "friend" who set this up that the guy is just on the edge of being a criminal and he (your "friend") should not refer anyone else to him! And then you should look at all of the contacts on your phone, and then ...
by fundseeker
Wed Sep 13, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 4284

Re: Vanguard Health Care Fund in my portfolio?

Well...while you're betting, take a look at Fidelity® Select Medical Equipment and Systems Portfolio (FSMEX) and its awesome returns for 1, 3, 5, AND 10 years! I bought just a little for fun, so I am not quite as committed as you.
by fundseeker
Wed Sep 13, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: Laying sod... too late in the year?
Replies: 12
Views: 1455

Re: Laying sod... too late in the year?

Very ambitious! I was told here, by a sod farm here in the southeast, that you can lay those two anytime, but if after first frost, there may be some issues. Anyway, you might want to double check that from your local sod farm. By the way, zoysia is only $100/pallet more here, so, it might be worth ...