Search found 620 matches

by tenkuky
Fri Jan 18, 2019 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Little mess with a 401a in a 457b
Replies: 2
Views: 154

Re: Little mess with a 401a in a 457b

mhalley wrote:
Fri Jan 18, 2019 3:18 pm
Too much hassle for two little money. You are talking about 1 and 1/3years of ira contributions.
Thanks for the perspective, I was leaning that way. If and when I absolutely need to do this, I will. Right now, it's more of "what can I do today to tighten up my portfolio?" :happy
by tenkuky
Fri Jan 18, 2019 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: No 401K match new employer
Replies: 22
Views: 1460

Re: No 401K match new employer

Don't underestimate the potential of discussing with Benefits the option of switching to a low-cost provider and value of index fund options.
There is information on the wiki about this.
I agree with above posters that the pretax space is valuable upto around 1.7% ER
by tenkuky
Fri Jan 18, 2019 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Little mess with a 401a in a 457b
Replies: 2
Views: 154

Little mess with a 401a in a 457b

Way before I was a boglehead, I didn't know any better and rolled over both my previous employer's govt 457b and 401a into the new employer's 457b. Now, I realized that I comingled monies that have no early withdrawal penalty with those that do, as I look for early retirement and distributions in th...
by tenkuky
Fri Jan 18, 2019 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio advice for family member with Special Needs
Replies: 21
Views: 899

Re: Help with portfolio advice for family member with Special Needs

Check with Schwab if you can pre-program auto sells of the MM account. It would make things easier. I have always manually sold before 4 PM so it is ready for me to transfer out the next day. You are so welcome, it has taken me a few years to clean up my own accounts so glad to see someone else jump...
by tenkuky
Thu Jan 17, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Paying extra on mortgage - what am I missing?
Replies: 68
Views: 6199

Re: Paying extra on mortgage - what am I missing?

Here's one from Microsoft I've used
https://templates.office.com/en-us/Loan ... TM03986974

EDIT: the mortgage professor calculator below is better than this IMHO
by tenkuky
Thu Jan 17, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 283
Views: 47488

Re: [Ally online savings now at 1.80%]

you can do so much better with Prime Money Market Funds or even T-Bills. How do you calculate the difference to know which is better? The 2.2 % vs Prime MM fund with the expense fee Vanguard's Prime MMF currently yields 2.49% APY. This is the net APY, after the expenses of the fund were deducted. Y...
by tenkuky
Thu Jan 17, 2019 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio advice for family member with Special Needs
Replies: 21
Views: 899

Re: Help with portfolio advice for family member with Special Needs

What is your expected overall AA for her? I noted you are very light on bonds. You might want to use this rebalance to adjust around. That is good question. She was adopted as infant and there is no known history for her birth parents. For planning, I would think 90. That's not so much relevant, no...
by tenkuky
Thu Jan 17, 2019 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio advice for family member with Special Needs
Replies: 21
Views: 899

Re: Help with portfolio advice for family member with Special Needs

Turn off all auto cap gain and div reinvestment in taxable accounts as it will make life easier in future to TLH. Cash div can still go to designated location. No worries about frequency or past as you are selling all in those funds and no wash sale AS LONG AS THE HOLDINGS THAT SPUN OFF THE DIV WER...
by tenkuky
Thu Jan 17, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Using Cash Reserves to Provide Consistent Cash Flow into Checking Acct
Replies: 8
Views: 664

Re: Using Cash Reserves to Provide Consistent Cash Flow into Checking Acct

OP, How many months of expense do you keep in your checking account? It should be at least more than 1 1/2 month. This is to protect yourself just in case that the Vanguard money transfer does not work. I keep 3 months of expense in my checking account. KlangFool + 1, exactly what I do, rest in All...
by tenkuky
Thu Jan 17, 2019 5:55 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 283
Views: 47488

Re: [Ally online savings now at 2.2%]

Ally savings rate now up to 2.2% today.
Guess they have experienced outflows after the promo period ended.
My account still shows 2%, takes a day to reflect.
by tenkuky
Thu Jan 17, 2019 5:33 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio advice for family member with Special Needs
Replies: 21
Views: 899

Re: Help with portfolio advice for family member with Special Needs

What is your expected overall AA for her?
I noted you are very light on bonds.
You might want to use this rebalance to adjust around.
by tenkuky
Thu Jan 17, 2019 5:02 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio advice for family member with Special Needs
Replies: 21
Views: 899

Re: Help with portfolio advice for family member with Special Needs

Turn off all auto cap gain and div reinvestment in taxable accounts as it will make life easier in future to TLH. Cash div can still go to designated location. No worries about frequency or past as you are selling all in those funds and no wash sale AS LONG AS THE HOLDINGS THAT SPUN OFF THE DIV WERE...
by tenkuky
Wed Jan 16, 2019 9:08 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 853
Views: 45234

Re: John Bogle is dead at 89

I bow my head and shed a tear.
Living and practicing as a Boglehead will be my small tribute to a great man.
Thank you and goodbye.
by tenkuky
Wed Jan 16, 2019 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio advice for family member with Special Needs
Replies: 21
Views: 899

Re: Help with portfolio advice for family member with Special Needs

Get rid of all OIEIX PQIAX and TWEIX right now! Make sure no back-end loads (I don't think should be for Class A shares) Sell and buy another fund in Schwab, easy to do online, buy SWTSX (total market fund, ER 0.03%) same day with the total proceeds. This fund covers lot more of the market than what...
by tenkuky
Wed Jan 16, 2019 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio advice for family member with Special Needs
Replies: 21
Views: 899

Re: Help with portfolio advice for family member with Special Needs

The ERs of the holdings in acct 2 are very high and I would think about simplifying to lower cost ETF/funds, especially at Schwab. That is a drag especially over several years/decades of the beneficiary's life. Also, an opportunity to tax-loss harvest. Are most of the funds with a gain (apart from ...
by tenkuky
Wed Jan 16, 2019 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Muni ETF or T-bill in taxable?
Replies: 5
Views: 309

Re: Muni ETF or T-bill in taxable?

It’s an odd comparison if you ask me. You’re comparing very short treasuries to a long bond fund. The latter will presumably yield more after taxes, but it’s obviously a lot more volatile. You should make your decision based on your time horizon and risk tolerance. Thanks, I knew I was missing some...
by tenkuky
Wed Jan 16, 2019 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Muni ETF or T-bill in taxable?
Replies: 5
Views: 309

Re: Muni ETF or T-bill in taxable?

This week's yields at Schwab auction are
U.S. Treasuries 2.42 (3 mo) 2.51 (6 mo) 2.58 (9 mo) 2.59 (12 mo)

VTEB yield 2.66

How does one make a decision or is it basically a toss-up?
by tenkuky
Wed Jan 16, 2019 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio advice for family member with Special Needs
Replies: 21
Views: 899

Re: Help with portfolio advice for family member with Special Needs

The ERs of the holdings in acct 2 are very high and I would think about simplifying to lower cost ETF/funds, especially at Schwab. That is a drag especially over several years/decades of the beneficiary's life. Also, an opportunity to tax-loss harvest. Are most of the funds with a gain (apart from T...
by tenkuky
Wed Jan 16, 2019 9:23 am
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7414

Re: When would you stop being a Boglehead?

But I’m curious: at which point would you start considering to delegate the management of your portfolio to firms like Merrill Lynch and Morgan Stanley? $10M? $50M? Literally never? I think the more money I have, the more Bogleheadish I would be and steer even farther away from ML or MS. +1 This is...
by tenkuky
Wed Jan 16, 2019 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Muni ETF or T-bill in taxable?
Replies: 5
Views: 309

Muni ETF or T-bill in taxable?

I made my first foray into buying T-bill at auction in my taxable acct with Schwab last summer. Their fixed-income desk was very helpful and I managed to do a 6-month T-bill pretty easily. It's maturing next month and I have a dilemma I hope the board can advise me on. I have mostly held muni bond E...
by tenkuky
Tue Jan 15, 2019 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Med student asking for portfolio help!
Replies: 11
Views: 1169

Re: Med student asking for portfolio help!

Thanks for your follow up post! To address some of your points: 1. Roth 401k- I will see about converting from the traditional 401k to a Roth 401k. Then sell the FDEEX and change to the simple 3 fund you outlined. Don't convert anything. Just tell HR you want to have salary deductions start going t...
by tenkuky
Tue Jan 15, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Screwed myself on salary negotiations, how do I get past this?
Replies: 25
Views: 2594

Re: Screwed myself on salary negotiations, how do I get past this?

You did way better than I, my first three jobs I never negotiated so never knew if I was above or below expected pay for position. Never bothered me as I enjoyed my work, still do, though now I ask a few more questions about the "number". Also, I didn't know about Bogleheads/Diehards back then so ig...
by tenkuky
Sun Jan 13, 2019 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Med student asking for portfolio help!
Replies: 11
Views: 1169

Re: Med student asking for portfolio help!

As Fishing indicates above, and what I wanted to articulate: Only go Roth 401K with your employer right now. Once you separate, you can roll it into your Roth IRA. I would dump the FDEEX due to the high ER and switch to a simple 3-fund with FID 500 INDEX (FXAIX) FID EXTD MKT IDX (FSMAX) FID US BOND ...
by tenkuky
Fri Jan 11, 2019 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Med student asking for portfolio help!
Replies: 11
Views: 1169

Re: Med student asking for portfolio help!

Welcome!
Couple of questions that will help answer your questions:
1. Do you have option for Roth 401K?
2. Can you list the funds and expense ratios available in your 401K?
3. Debt ZERO? Please confirm :)
by tenkuky
Thu Jan 10, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Paid off Mortgage...what to do next
Replies: 32
Views: 2698

Re: Paid off Mortgage...what to do next

I have seen mention of obtaining a HELOC in case of emergencies. I have not thought of that as a preemptive measure mostly because I have seen a lot of mention of HELOC's being closed down in economic downturns. Should we look into one anyway? The reason that many people lost their HELOC a decade a...
by tenkuky
Wed Jan 09, 2019 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice (3 Questions)
Replies: 5
Views: 639

Re: Portfolio Advice (3 Questions)

Black rock alone is enough for your S&P500 fund. VIVIX would be duplication with fewer holdings. Flesh out AA with extended market, international and bond in your old plan. RE holdings are in your total market and only if you want to slightly overweight that do you need a separate fund. In small amo...
by tenkuky
Wed Jan 09, 2019 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Lively HSA is now Fee Free
Replies: 15
Views: 1252

Re: Lively HSA is now Fee Free

I wonder if they decide to apply an exit fee, would it apply to existing customers?
Or would there be grandfathering?
Just like the poster above, I am waiting for a few months and likely will transfer out to Fido for same reasons.
by tenkuky
Wed Jan 09, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Serovital- ????
Replies: 18
Views: 1007

Re: Serovital- ????

Not medical advice, which is off-topic for this forum, but as a consumer question, I found this.... The safety of GH supplementation in aging individuals is still a matter of debate. Studies in healthy elderly have shown a higher risk for adverse effects of GH supplementation, such as carpal tunnel ...
by tenkuky
Wed Jan 09, 2019 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice (3 Questions)
Replies: 5
Views: 639

Re: Portfolio Advice (3 Questions)

Great! My thoughts are: 1. The $80 per year for a $70K portfolio works out to 0.1% overall on top of underlying options ERs. So perhaps total around 0.2%. I would not roll in the old one YET, let a year play out and see how you feel. 2. Can you list the actual funds and ERs of the new options? I wou...
by tenkuky
Wed Jan 09, 2019 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice (3 Questions)
Replies: 5
Views: 639

Re: Portfolio Advice (3 Questions)

Hard to answer without the following information
What is balance in the previous 401K?
Is there a match at the new place?
Do you Roth or plan to backdoor Roth?

Re. the REITs, I used to have more, but scaled back as the total market covers it enough for me and simplicity works for me.
YMMV.
by tenkuky
Wed Jan 09, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance informs me after procedure that they won't cover all of it
Replies: 20
Views: 1590

Re: Health insurance informs me after procedure that they won't cover all of it

The same thing happens with "in evaluation procedures". I once went in to Orthopedics for a tendon issue and he examined and suggested he could give a quick shot of cortisone to alleviate. Lo and behold, I got hit with a procedure, equipment, medication charge beyond the outpatient charge. I argued ...
by tenkuky
Wed Jan 09, 2019 9:57 am
Forum: Investing - Theory, News & General
Topic: Ally-14 month Select CD at 2.85%
Replies: 25
Views: 6173

Re: Ally-14 month Select CD at 2.85%

Has anyone incurred an EWP penalty and if so how is it reported on a 1099 if at all?
Is there a good calculator which helps decide if a locked-in with penalty CD rate is better than a no-penalty one?
I've only used the 11-mo no penalty but am tempted to spring for either the 12-mo or 14-mo special.
by tenkuky
Mon Jan 07, 2019 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: UC quarterly fee liquidating total market fund
Replies: 2
Views: 318

UC quarterly fee liquidating total market fund

I have legacy UC 403b and 457b accounts that last fall started charging a $8.75 quarterly fee. While I have no problem with that, I am annoyed with how this is being charged. Apparently, the hierarchy is 403 first to be tapped for the fee, followed by 457. I have a nice 3-fund arrangement of Fido To...
by tenkuky
Sat Jan 05, 2019 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and advice on inherited funds
Replies: 12
Views: 885

Re: Portfolio review and advice on inherited funds

Can you provide a list or link to available funds in your 401?
And who is your Roth with?
We can make fund and AA suggestions then.
Seriously think of a 20-25% bond allocation at least; I’m only slightly older than you and am upto 30% and consider myself moderately aggressive.
by tenkuky
Fri Jan 04, 2019 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and advice on inherited funds
Replies: 12
Views: 885

Re: Portfolio review and advice on inherited funds

Agree completely with livesoft (as I often do), your priority is getting out of those lousy options in the inherited account ASAP. if there are no better low cost index funds at that vendor, contact Vanguard, Fidelity or Schwab and have them process a transfer. Make sure they title it correctly as i...
by tenkuky
Fri Jan 04, 2019 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions Question
Replies: 29
Views: 1767

Re: Backdoor Roth Question

There is a liquidity issue as my understanding is there is a 5 year holding period before I can access the converted funds, is that correct? I can get around this issue by moving some of the TSP to a Vanguard tradional account I wanted to address this particular concern. Please find below the autho...
by tenkuky
Fri Jan 04, 2019 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions Question
Replies: 29
Views: 1767

Re: Backdoor Roth Question

How do you plan to cover healthcare expenses between retirement and Medicare age aka 65? If using ACA, be aware of the cliff for premium benefit based on your taxable income (which will depend on how much you are converting). There are threads on here that are helpful, and I pared back my own future...
by tenkuky
Fri Jan 04, 2019 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Which Money Market account now that interest rates have gone up?
Replies: 57
Views: 7349

Re: Which Money Market account now that interest rates have gone up?

I've heard good things about Ally, but their MM looks like it's only at 1%. CapitalOne is now at 2%, and if you chase rates, it's even higher. https://www.nerdwallet.com/blog/banking/best-money-market-accounts/ I'm looking for a fair return on MM or other automatically returning account without hav...
by tenkuky
Fri Jan 04, 2019 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and advice on inherited funds
Replies: 12
Views: 885

Re: Portfolio review and advice on inherited funds

Welcome! Can you clarify a few things: 1. What are funds and expense ratios (ERs) in the inherited accounts? 2. Why do you need overlap in your 401K (mid-cap, 500 funds when you have a total market one)? I just mention due to the slightly higher ERs. 3. Are there 2 separate inherited IRAs, can they ...
by tenkuky
Fri Jan 04, 2019 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Which Money Market account now that interest rates have gone up?
Replies: 57
Views: 7349

Re: Which Money Market account now that interest rates have gone up?

I just threw that out there so you are correct. But I just know that ally no penalty CD's and savings account beat prime for probably 8-9 yrs until the recent Fed hikes. I switched over to prime in late 2017/early 2018 when it surpassed Ally's rates. You could have beat prime since then if you were...
by tenkuky
Fri Jan 04, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Which iPhone: 8 or XR?
Replies: 45
Views: 3134

Re: Which iPhone: 8 or XR?

Went through this thought process 2 months ago and sprung for the 8. Upgraded from the 4 (!) and did it online/mail so missed chance to see the salesperson's face on the trade.
Rationale: more manageable size, not a fan of the face recognition, cost.
No regrets.
by tenkuky
Fri Jan 04, 2019 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Securities Exchange Commishion fee queston.
Replies: 16
Views: 534

Re: Securities Exchange Commishion fee queston.

I was charged a SEC fee by Vanguard the last two times I sold securities. This never happened before. Has something changed? https://www.investopedia.com/terms/s/secfee.asp I have had this with Schwab for several years now. It is usually a small amount directly related to the number of shares sold ...
by tenkuky
Sat Dec 29, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: can AT&T limit coverage for consumer cellular customers (CC uses AT&T towers)
Replies: 13
Views: 1165

Re: can AT&T limit coverage for consumer cellular customers (CC uses AT&T towers)

Also a several years' satisfied customer of CC (thanks to this board), and only negative (and not AT&T fault) is that CC is not available for international roaming or calls easily. We’re on CC. Recently I had them enable international roaming on my iPhone 6s, it required changing out the “stock” AT...
by tenkuky
Sat Dec 29, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Going to TLH next month, but...
Replies: 4
Views: 328

Re: Going to TLH next month, but...

That's the trick here, livesoft.
So if any shares which pay the dividend (which is all for me as I didn't do auto reinvestment) were held >30 days no wash sale, and if held >60 days no reversal of qualified dividends?
Not really the date of paid dividends?
Thanks in advance!
by tenkuky
Sat Dec 29, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Going to TLH next month, but...
Replies: 4
Views: 328

Going to TLH next month, but...

I intend to do TLH in late January in my Schwab taxable account by exchanging (not all) shares of SWPPX (Schwab S&P 500 Index) to VTI (Vanguard Total Market Index ETF), both of which I own. Rationale: VTI is more tax efficient, I've endured a few years of cap gains (short and long) with SWPPX. Plus,...
by tenkuky
Sat Dec 29, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: can AT&T limit coverage for consumer cellular customers (CC uses AT&T towers)
Replies: 13
Views: 1165

Re: can AT&T limit coverage for consumer cellular customers (CC uses AT&T towers)

Also a several years' satisfied customer of CC (thanks to this board), and only negative (and not AT&T fault) is that CC is not available for international roaming or calls easily. We’re on CC. Recently I had them enable international roaming on my iPhone 6s, it required changing out the “stock” AT...
by tenkuky
Sat Dec 29, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 353
Views: 52513

Re: New HSA provider Lively offers investments for $30/yr fee

I also just received the email indicating Lively has eliminated all HSA fees for individuals and families. The email in its entirety is below: We are proud to announce that today we have eliminated all HSA fees for individuals and families. This includes any fees to access investments in their HSA ...
by tenkuky
Tue Dec 18, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: can AT&T limit coverage for consumer cellular customers (CC uses AT&T towers)
Replies: 13
Views: 1165

Re: can AT&T limit coverage for consumer cellular customers (CC uses AT&T towers)

Also a several years' satisfied customer of CC (thanks to this board), and only negative (and not AT&T fault) is that CC is not available for international roaming or calls easily. Even in Canada, so have had to plan accordingly. The flexibility is excellent as you pointed out and the ability to buy...
by tenkuky
Sat Dec 01, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Norton Security Deluxe subscription offer
Replies: 12
Views: 593

Re: Norton Security Deluxe subscription offer

[url=https://www.amazon.com/Norton-Security-Deluxe-Device-Download/dp/B01MF5MTWP?th=1]Norton Security Deluxe - 5 Device [Amazon Exclusive - 15 Month- 3 months free] - $1 I don't think you have to stay "in" the subscription plan. Install it, then turn that off etc. Read thru the questions on the Ama...
by tenkuky
Sat Dec 01, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Using 529 for med school vs. employer loan repayment
Replies: 2
Views: 224

Using 529 for med school vs. employer loan repayment

My nephew is applying for medical school and has the fortune of his parents building a 529 balance for him that can pay for about 3 years of the tab. Minimal undergrad expenses due to state school and merit award. The question posed is related to taking out a loan for the last 2 years of med school ...