Search found 13681 matches

by ruralavalon
Wed Sep 19, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3289
Views: 993942

Re: What Book Are You Currently Reading? Part VI

bertilak wrote:
Wed Sep 19, 2018 3:49 pm
ruralavalon wrote:
Wed Sep 19, 2018 3:44 pm
Wild Fire, by Ann Cleeves.

This is the eight and last :( book of the Shetland series of mysteries.
How does the TV series (https://www.imdb.com/title/tt2396135/) compare to the books?
We loved the first two seasons, they compare well to the books.
by ruralavalon
Wed Sep 19, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3289
Views: 993942

Re: What Book Are You Currently Reading? Part VI

Wild Fire, by Ann Cleeves.

This is the eight and last :( book of the Shetland series of mysteries.

A young woman, who works as a child minder for the local physician, is found murdered hanging in a neighbor's barn.
by ruralavalon
Wed Sep 19, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation calculator
Replies: 44
Views: 2422

Re: Asset allocation calculator

I agree. Don't start by selecting a rate of return, that's going at the problem backwards. Determine an asset allocation which is comfortable for you based on a realistic assessment your own ability, willingness, and need to take risk.. How do you estimate your need to take risk, if you donn’t have...
by ruralavalon
Wed Sep 19, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Help with 401K fund selection
Replies: 2
Views: 172

Re: Help with 401K fund selection

It's great to see that you are debt free. What are the ticker symbols for the funds offered in his 401k? There is probably no ticker for the BNY Mellon S&P 500 index fund, it's probably a Commingled Investment Trust (CIT) or Separate Account rather than a traditional mutual fund. If that's the case ...
by ruralavalon
Wed Sep 19, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation calculator
Replies: 44
Views: 2422

Re: Asset allocation calculator

That’s not how it works. You don’t reverse engineer your asset allocation to shoot for a goal amount since you can’t predict returns. (This exemplifies how models like Firecalc are illusions.) You set an allocation for equities between 25% and 75% based on you tolerance for risk, or, better yet, ju...
by ruralavalon
Wed Sep 19, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52290

Re: That Extravagant Thing You Do

MY old car has died. I bought a nice used Cadillac CTS .

We dine out frequently.
by ruralavalon
Tue Sep 18, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 126
Views: 16208

Re: Vanguard - You'll need to sign up for security codes soon

— Cell phone not with you? That’s a convenience problem, not a security problem. What about old people who don't have a cellphone. Then its more than mere inconvenience. If you have a Vanguard account and a computer, maybe it is time to consider a cell phone. This is the 21st century, after all. I ...
by ruralavalon
Tue Sep 18, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 126
Views: 16208

Re: Vanguard - You'll need to sign up for security codes soon

I too would prefer emails. My DH just got the email. The sign-up deadline is September 26. As noted earlier, there is no option for email. You gotta be kidding. :annoyed My contact phone number does not have text messaging (old landline) and I may not be near the phone when logging in. No, I'm not g...
by ruralavalon
Tue Sep 18, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 126
Views: 16208

Re: Vanguard - You'll need to sign up for security codes soon

3-20Characters wrote:
Tue Sep 18, 2018 6:17 pm
— Cell phone not with you? That’s a convenience problem, not a security problem.
What about old people who don't have a cellphone. Then its more than mere inconvenience.
by ruralavalon
Tue Sep 18, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Portfolio/certain fund
Replies: 15
Views: 381

Re: Thoughts on Portfolio/certain fund

This is not what I own as I am 23 years old and don't have enough money to split into funds so I am 100% VTSAX right now and yes I know that is riskier but I have a small portfolio and a 50% downturn would not make a huge difference to me. (small 5 figures in value). I cannot tell you my expected r...
by ruralavalon
Tue Sep 18, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Complete Beginner to investing, 24 years old
Replies: 22
Views: 2753

Re: Complete Beginner to investing, 24 years old

Hi all, It's been a little while since I last posted on how to begin investing from scratch. Since last December, I had a few issues transferring my current investments into my Schwab account (they were funds held in my mother's name, and were started when I was a child) so I unfortunately missed t...
by ruralavalon
Tue Sep 18, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Selection Help
Replies: 7
Views: 384

Re: Fund Selection Help

Thanks a lot ruralavalon. Is the below allocation appropriate for me? I am planning to take an early retirement at 55 in 6 years. Fidelity Total Stock Market Index Fund - 40% Fidelity Total International Stock Index Fund - 20% Fidelity U.S. Bond Index Fund - 40% Sam :happy It's hard to say in the a...
by ruralavalon
Tue Sep 18, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 824
Views: 89356

Re: [What TV Show Have You Recently Watched?]

We recently watched all episodes of Death in Paradise on Netflix once again. These are police stories set in the Caribbean. We thoroughly enjoyed this series. We had forgotten the plots in most cases so they were still mysteries.
by ruralavalon
Tue Sep 18, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 243
Views: 22297

Re: U.S. stocks continue to soar!

willthrill81 wrote:
Tue Sep 18, 2018 11:27 am
After yesterday's 'buying opportunity', stocks are right back up.
The S&P 500 index is up 0.61% so far today :D .
by ruralavalon
Tue Sep 18, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Portfolio/certain fund
Replies: 15
Views: 381

Re: Thoughts on Portfolio/certain fund

Hello all, What is everyone's thoughts on the fund VWENX (Vanguard Wellington Fund Admiral Shares)? I like playing around with things and doing research and I have come across a portfolio that is 70/30 that I seem to keep coming back to and enjoy It is composed of: VTSAX (Vanguard Total Stock Marke...
by ruralavalon
Tue Sep 18, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Portfolio/certain fund
Replies: 15
Views: 381

Re: Thoughts on Portfolio/certain fund

Vanguard Wellington Fund Admiral Shares (VWNEX) ER 0.17% is an excellent actively managed, well diversified, balanced fund, which is suitable as a one-fund portfolio all by itself. It does make a big difference what type of account you are using and what your tax bracket is. At age 23, with low 5 fi...
by ruralavalon
Tue Sep 18, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Portfolio/certain fund
Replies: 15
Views: 381

Re: Thoughts on Portfolio/certain fund

Hello all, What is everyone's thoughts on the fund VWENX (Vanguard Wellington Fund Admiral Shares)? I like playing around with things and doing research and I have come across a portfolio that is 70/30 that I seem to keep coming back to and enjoy It is composed of: VTSAX (Vanguard Total Stock Marke...
by ruralavalon
Tue Sep 18, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Fund Selection Help
Replies: 7
Views: 384

Re: Fund Selection Help

Yes, try a Fidelity Freedom Index Fund through the BrokerageLink. Of you could use three fund portfolio through the BrokerageLink using: Fidelity Total Stock Market Index Fund; Fidelity Total International Stock Index Fund; and Fidelity U.S. Bond Index Fund. I would not pay the extra $75 per transac...
by ruralavalon
Tue Sep 18, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Portfolio/certain fund
Replies: 15
Views: 381

Re: Thoughts on Portfolio/certain fund

Hello all, What is everyone's thoughts on the fund VWENX (Vanguard Wellington Fund Admiral Shares)? I like playing around with things and doing research and I have come across a portfolio that is 70/30 that I seem to keep coming back to and enjoy It is composed of: VTSAX (Vanguard Total Stock Marke...
by ruralavalon
Tue Sep 18, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Facing Retirement at year end
Replies: 22
Views: 2577

Re: Facing Retirement at year end

Welcome to the forum :) . The most important first step is to get a solid number for your total annual retirement spending. Does your "$50k household budget" include your mortgage payments and payments on the HELOC, or not? If not, then how much is the total including those debt payments? Shop for t...
by ruralavalon
Mon Sep 17, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5311

Re: Employer won't Match 401k. Why?

As a former small business owner that was involved in recruiting I can tell you that we did no get much bang for our buck for our generous 401k match. The large majority of candidates compared us to our competition on starting salary. That was what they chose to care about. So we went the safe harb...
by ruralavalon
Sun Sep 16, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: New 401(k) asset allocation?
Replies: 9
Views: 435

Re: New 401(k) asset allocation?

Not using the standard format ( "Asking Portfolio Questions" ), and not putting all of your information in one place made it harder than necessary to answer your question. Hi all, This is something of a follow-up to my previous thread about a 401(k) rollover strategy given my recent new job. The new...
by ruralavalon
Sun Sep 16, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: New 401(k) asset allocation?
Replies: 9
Views: 435

Re: New 401(k) asset allocation?

How much is in the taxable account?

How much is in the Roth IRA?
by ruralavalon
Sun Sep 16, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: New 401(k) asset allocation?
Replies: 9
Views: 435

Re: New 401(k) asset allocation?

Hi all, This is something of a follow-up to my previous thread about a 401(k) rollover strategy given my recent new job. The new 401(k), which I'm setting up this week, is through Ascensus so it has pretty much full access to Vanguard funds. My rollover is liquidating the old 401(k), which was 100%...
by ruralavalon
Sun Sep 16, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: New 401(k) asset allocation?
Replies: 9
Views: 435

Re: New 401(k) asset allocation?

Hi all, This is something of a follow-up to my previous thread about a 401(k) rollover strategy given my recent new job. The new 401(k), which I'm setting up this week, is through Ascensus so it has pretty much full access to Vanguard funds. My rollover is liquidating the old 401(k), which was 100%...
by ruralavalon
Sun Sep 16, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Large, Mid, Small Cap Recommendations for Roth IRA
Replies: 10
Views: 607

Re: Large, Mid, Small Cap Recommendations for Roth IRA

What fund firm is this Roth IRA with? What fund firm is the traditional IRA with? It's often better to coordinate investments among all accounts, treating all accounts together as a single unified portfolio, rather than treat each account separately. So it would be better if you listed all accounts ...
by ruralavalon
Sun Sep 16, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Simplyfing a Portfolio - Looking for Advice
Replies: 11
Views: 1192

Re: Simplyfing a Portfolio - Looking for Advice

Is the taxable account (or accounts) at Fidelity or Vanguard? Is it one joint taxable account, or one taxable account for him and another for her?
by ruralavalon
Sun Sep 16, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: International mix
Replies: 7
Views: 630

Re: International mix

Welcome to the forum :) . Ok so young investor 30 years old. Current mix: 60% total stock market index 40% total international stock market index Thoughts on this basic portfolio? As I get older I might throw in bonds too but I’m aggressive and have risk tolerance and a long term outlook. Seems like...
by ruralavalon
Sat Sep 15, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: So new to all this it hurts!
Replies: 18
Views: 2056

Re: So new to all this it hurts!

A couple more options; 3) Use a low cost target date fund. I have not looked at it in a while but the Fidelity Freedom funds had an expense ratio that was a bit high. I'm going to have to get in to the details of what I have and what I could have I see. A good Sunday afternoon project I think … Tha...
by ruralavalon
Sat Sep 15, 2018 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5311

Re: Employer won't Match 401k. Why?

A 401K can legally have up to $55.5K put into it per year. That's $18.5K pretax from the employee, up to 100% pretax match from employer, and additional 18.5K post tax from employee "if your plan allows." First, please correct me if I got any part of that wrong. Second, who decides and how is it de...
by ruralavalon
Fri Sep 14, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: 2017 Relative Tax Efficiency
Replies: 94
Views: 15312

Re: 2017 Relative Tax Efficiency

wootwoot wrote:
Fri Sep 14, 2018 4:15 pm
Is there a thread for 2018 tax efficiency?
This calculation is a statement of historical fact, not a projection or opinion about the future

Therefore we have to wait until after the end of the year to know what the tax efficiency has been for the year.
by ruralavalon
Fri Sep 14, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 3
Views: 407

Re: Portfolio Review

Welcome to the forum :) . You have some excellent funds offered in your 401k, you are fortunate. In my opinion in your 401k the funds to consider using are: 1) Vanguard Institutional Index Fund Institutional Shares (VINIX) ER 0.04%; 2) Vanguard Total International Stock Index Fund Institutional Shar...
by ruralavalon
Fri Sep 14, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX and VTMSX in taxable
Replies: 12
Views: 1463

Re: VTSAX and VTMSX in taxable

Welcome to the forum :) It's good to see that you are making the annual maximum contributions to your 401k. Hi All, Is it redundant to have both VTSAX and VTMSX (Tax-Managed Small Cap) in Taxable? I have $20k to “play” with and thought why not put $10k in VTSAX, and $10k in VTMSX? Or would it be sma...
by ruralavalon
Fri Sep 14, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Reasonable Asset Allocation / Financial Picture
Replies: 6
Views: 289

Re: Reasonable Asset Allocation / Financial Picture

In my opinion your asset allocation is within the range of what is reasonable. What I see as missing is own occupation disability insurance. Ahhh, yes, forgot that. The wife and I both have disability insurance at 2/3 of our current income, offered through our employers. The life insurance is from ...
by ruralavalon
Fri Sep 14, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: High employer contribution, still max 403b before taxable?
Replies: 20
Views: 906

Re: High employer contribution, still max 403b before taxable?

As long as there is a decent fund offered in your 403b it's better to fully fund your 403b as a priority ahead of taxable investing.
by ruralavalon
Fri Sep 14, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Reasonable Asset Allocation / Financial Picture
Replies: 6
Views: 289

Re: Reasonable Asset Allocation / Financial Picture

In my opinion your asset allocation is within the range of what is reasonable.

What I see as missing is own occupation disability insurance.
by ruralavalon
Fri Sep 14, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt
Replies: 24
Views: 1591

Re: Small cap tilt

We use a small-cap value tilt, about 25% of domestic stocks in Vanguard Small-cap Value Index Fund Admiral Shares (VSIAX) and the rest in Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX).
by ruralavalon
Fri Sep 14, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Best tool/way to manage the a portfolio of multiple accounts
Replies: 22
Views: 1243

Re: Best tool/way to manage the a portfolio of multiple accounts

I am sure it is being asked many times before, I am having a hard time with Personal Capital which is screwing up some of my securities with their names so they show as Cash or non-classified. Also, it does not count the cash in your checking account/saving/CD accounts as cash% for your portfolio. ...
by ruralavalon
Fri Sep 14, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Exchanging investments in 401K
Replies: 6
Views: 525

Re: Exchanging investments in 401K

Hi, Back in February, due to the correction, I remember exchanging some of my stock investments in 401K with bonds, and then buying back stocks after the market oscillations. What are the implications of exchanging in terms of expenses, inside a 401K? Every time I buy, do I pay the expense ratio on...
by ruralavalon
Fri Sep 14, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Wife changing jobs 401k options
Replies: 9
Views: 580

Re: Wife changing jobs 401k options

Generally one can transfer from one qualified retirement plan to another. The specific plan may have self-imposed limitations. Here's the IRS summary: https://www.irs.gov/pub/irs-tege/rollover_chart.pdf If the funds and fees are optimal at the old 401k there is nothing wrong with keeping it there. ...
by ruralavalon
Fri Sep 14, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 50
Views: 5085

Re: Vanguard platform

Lol, I am surprised there are still holdouts. OP, are you the type that still uses a landline? I was able to wait until 2009 to get a cell phone but eventually I caved in. Since we prefer to use traditional mutual funds, not ETFs, there is no point that I can see to switching to the new platform. N...
by ruralavalon
Fri Sep 14, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Do you rollover all of your previous 401ks?
Replies: 33
Views: 2169

Re: Do you rollover all of your previous 401ks?

Now that I've joined a new company, my slice and dice portfolio has gotten quite hectic with all of the various options I'm currently contributed to: https://i.imgur.com/V7GthId.jpg> Some of these options within each 401k are excellent, which is why I've currently not rolled over from Company 1 to ...
by ruralavalon
Fri Sep 14, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 50
Views: 5085

Re: Vanguard platform

Welcome to the forum :) . Hi, I just today registered with Bogleheads to comment on this subject. My husband keeps getting emails and reminders on his account page to switch to the new platform. There was something he could click on to see and do the "Three Easy Steps to Convert". When he clicks on ...
by ruralavalon
Thu Sep 13, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: treating all of investments as one asset allocation pool
Replies: 7
Views: 827

Re: treating all of investments as one asset allocation pool

Welcome to the forum :) . Hello Many people suggest treating all of investments as one asset allocation pool. In other words: if a person wants 60% stocks and 40% bonds, he or she could put 50% of 60% stocks in the taxable account and 10% more stocks in 401k and 40% bonds in 401k. Compare that to 60...
by ruralavalon
Thu Sep 13, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Question for RMD'ers with predominantly bond IRAs
Replies: 11
Views: 878

Re: Question for RMD'ers with predominantly bond IRAs

Our modest IRAs are currently 100% VG Total Bond fund and we are >70.5 and thus taking RMDs. With intermediate bond fund values down a bit and MM fund interest rates up a bit due to rising interest rates, I've been thinking about moving the next couple of years worth of RMDs to a MM fund within the...
by ruralavalon
Thu Sep 13, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Best options for Cash to beat inflation (other than CD) for short term 1-3 years
Replies: 7
Views: 979

Re: Best options for Cash to beat inflation (other than CD) for short term 1-3 years

I have 11% of my portfolio in cash currently which I keep in cash with the thought of investing them into Real Estate (not my primary residence, I already have one) if the market goes down in near term (real estate market) as there are already some signs of cooling down in some areas. That cash is ...
by ruralavalon
Thu Sep 13, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 126
Views: 16208

Re: Vanguard - You'll need to sign up for security codes soon

I don't carry a smart phone either, but have a flip phone and a landline. You don't need a smartphone. I set one of our accounts up yesterday. Took at least 3 minutes because my flip phone was in another room. You can also use a landline with a voice message. Just set it up so that you only need a ...
by ruralavalon
Thu Sep 13, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Roth @ a Financial Advisor
Replies: 33
Views: 1729

Re: Wife's Roth @ a Financial Advisor

. . . . . You make some very good points, I don't want to switch things over and the market tanks and I get blamed for screwing with the fund. I think once I show her how much in fees is coming out of the account every year that will win her over. I think its a very good idea to help her look at wh...
by ruralavalon
Thu Sep 13, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 61
Views: 4036

Re: Fidelity, Schwab, or Vanguard

Fidelity has excellent customer service. Vanguard has good customer service. Yes. Fidelity's service is excellent, Vanguard's is "good". I used to have Vanguard and switched to Fidelity because it would take me days to talk to a customer service rep with Vanguard. With Fidelity, I can speak with so...
by ruralavalon
Thu Sep 13, 2018 9:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 126
Views: 16208

Re: Vanguard - You'll need to sign up for security codes soon

I don't have a phone (recently retired with no cell or landline nor any intention of obtaining one anytime soon). The majority of my investments are with Vanguard. I have an iPad I use to text and email, but apparently Vanguard is insisting upon a telephone number. Am I going to have to quit Vangua...