Search found 152 matches

by darkhorse346
Sun May 20, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate to Vanguard/Fidelity - Need Help Deciding
Replies: 8
Views: 1117

Re: Consolidate to Vanguard/Fidelity - Need Help Deciding

UPDATED 05/20/18 Had good, but different, experiences with both Vanguard and Fidelity in the transferring the inherited non-spousal IRA accounts. I want to consolidate to one or the other, but cannot decide. I'd appreciate guidance on which one to pick. I've been using the target retirement fund ap...
by darkhorse346
Sun May 13, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor

I've read a number of BHs use Vanguard ETFs at Fidelity...of course that comes with the $4.95 per trade fee paid to Fidelity. I know that Fidelity has 2 years of up to 500 trades if a certain dollar amount is moved over....has anyone ever asked Fidelity if that 500 trades could be spread out over 1...
by darkhorse346
Sun May 13, 2018 5:51 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor

Bogleheads: In my opinion, the easiest way to avoid the "Hassle Factor" is to own few funds; few accounts; and as few companies as possible. Best wishes. Taylor Thank you, Taylor. I'm in total agreement with you. Keep it simple. Bogleheads, does Fidelity offer any index funds or commission-free ETF...
by darkhorse346
Sat May 12, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

Honestly, I wonder if Vanguard would have ever stepped up the inherited shares if I had not called. I am very thankful to the Bogleheads for sharing their experiences and expertise. Were it not for others sharing their war stories and win/loss records, I doubt I would have monitored the situation so...
by darkhorse346
Sat May 12, 2018 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

Re: Step-Up Basis on Inherited Taxable Brokerage Accounts - Comparing Vanguard and Fidelity Both Vanguard and Fidelity were able to successfully transfer the inherited taxable brokerage accounts. Upon these successful transfers, the investments in both Vanguard and Fidelity accounts were sold and p...
by darkhorse346
Tue May 08, 2018 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Consolidate to Vanguard/Fidelity - Need Help Deciding
Replies: 8
Views: 1117

Re: Retirement Plan Checkup / Inherited IRAs

UPDATED 05/07/18 Included new taxable brokerage account into retirement portfolio. I'd appreciate additional opinions on structuring this for the long term. Please help me with my overall retirement plan. Emergency funds: 6 months of expenses Debt: $0.00 Tax Filing Status: MFJ w/ 2 Dep Tax Rate: 22...
by darkhorse346
Mon May 07, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate to Vanguard/Fidelity - Need Help Deciding
Replies: 8
Views: 1117

Re: Retirement Plan Checkup / Inherited IRAs

Thank you again for your help.

I have updated my initial post with additional information and request for help. Thanks! :beer
by darkhorse346
Fri May 04, 2018 5:17 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

Thank you, Taylor, livesoft, Bmac, ruralavalon, et al. We're going to stay with our current Vanguard (investments) / Wells Fargo (banking) arrangement for now. We'll be doing an informal case study on how Vanguard, Fidelity, and others perform on a series of upcoming "stress tests". We'll evaluate ...
by darkhorse346
Wed May 02, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate to Vanguard/Fidelity - Need Help Deciding
Replies: 8
Views: 1117

Re: Retirement Plan Checkup / Inherited IRAs

My husband has an Inherited IRA and it holds nothing but Total Bond Market Index. He has had the Inherited IRA for almost 20 years. In the early years it was invested only in equities as the RMDs were small enough that even a 100% increase in the asset value would have little impact on our tax liab...
by darkhorse346
Wed May 02, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate to Vanguard/Fidelity - Need Help Deciding
Replies: 8
Views: 1117

Re: Retirement Plan Checkup / Inherited IRAs

Thank you for responding. If I go with bonds in the Inherited IRAs, would you agree that something like Total Bond Market Index Fund would be appropriate? New Fidelity customer here, so I'd pick a bond fund similar to VG Total Bond. We have the funds available across all accounts to get Admiral Shar...
by darkhorse346
Tue May 01, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate to Vanguard/Fidelity - Need Help Deciding
Replies: 8
Views: 1117

Consolidate to Vanguard/Fidelity - Need Help Deciding

UPDATED 05/20/18 Had good experiences with both Vanguard and Fidelity in the transferring the inherited non-spousal IRA accounts. I want to consolidate to one or the other, but cannot decide. I'd appreciate guidance on which one to pick. I've been using the target retirement fund approach across al...
by darkhorse346
Mon Mar 26, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Savannah or Charleston?
Replies: 49
Views: 4287

Re: Savannah or Charleston?

The good news is that both choices are great! I've been to both several times, but slightly prefer Charleson. Savannah is about 1.5-2 hours closer to Atlanta than Charleston. Savannah - I'd suggest staying at the Westin across the river from downtown. They have have a water taxi that will run you al...
by darkhorse346
Sat Mar 24, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard & Financial Engines Review - Not Impressed
Replies: 3
Views: 1594

Vanguard & Financial Engines Review - Not Impressed

While logged into Vanguard, I clicked on the Financial Engines link. It has been a number of years since I last tried using FE and I wanted to see if it was more user-friendly. I was not overly impressed and got frustrated because I kept getting logged out due to inactivity on the Vanguard site whil...
by darkhorse346
Sun Feb 25, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

Thank you, Taylor, livesoft, Bmac, ruralavalon, et al. We're going to stay with our current Vanguard (investments) / Wells Fargo (banking) arrangement for now. We'll be doing an informal case study on how Vanguard, Fidelity, and others perform on a series of upcoming "stress tests". We'll evaluate t...
by darkhorse346
Fri Feb 23, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

I think "any of the a above" is the answer. Make sure durable powers of attorney are in place, and are in the form satisfactory to the bank and fund firm. Vanguard has an agent authorization form that they want and may make things go smoother. Thank you, ruralavalon. Good information on the POA and...
by darkhorse346
Thu Feb 22, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

Back on this thread after a year, we have not made any changes. We're still with Vanguard and bank locally with Wells Fargo. Banking and investing in one location has become a much more appealing idea, especially when having to suddenly deal with a parent in poor health and limited capabilities to m...
by darkhorse346
Wed Jan 17, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 41
Views: 2048

Re: London/Paris Trip Questions

I'd look into the high-speed trains between cities. Google EuroStar/Thalys and check out your options. Top speeds reach 300 kph (186 mph) and the pricing is very reasonable. Looks like you could get between London and Paris in about 2.5 hours. Cannot speak to the London/Paris trip but experienced ro...
by darkhorse346
Sat Jan 13, 2018 5:00 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 12347

Re: IRS announces new withholding tables for 2018

At the time of this post, the IRS has taken down the withholding tables from their site.

https://www.irs.gov/pub/irs-pdf/n1036.pdf
by darkhorse346
Sat Jan 06, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Can American Funds be worth the load?
Replies: 17
Views: 3511

Re: Can American Funds be worth the load?

For those interested, American Funds F-1 shares are now available for Vanguard brokerage accounts. No loads or transaction fees, but do impose a 0.25 12b-1.
by darkhorse346
Sat Dec 30, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 3142

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

Appears that the Vanguard 529 account balances have been restored.
by darkhorse346
Sat Dec 30, 2017 7:15 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 3142

ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

Checked Vanguard 529 account balances this morning and it showed there was no money in there! Money was in there yesterday and no transactions have taken place. Message sent to Vanguard to fix the problem, but won't hear back until next week. Hopefully, this is just the result of a system update tha...
by darkhorse346
Sun Jul 16, 2017 6:08 am
Forum: Investing - Theory, News & General
Topic: Can American Funds be worth the load?
Replies: 17
Views: 3511

Re: Can American Funds be worth the load?

There is no need to pay a load. You can get these funds at Fidelity, Schwab, etc. without a front load. Unfortunately, the F-1 share class I'm referencing still impose a 12b-1 fee as part of the overall expense ratio. Avoid the load and get the lowest cost share class if you must use American Funds....
by darkhorse346
Tue Jul 11, 2017 5:55 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 57
Views: 5803

Re: Dave Ramsey's advice on investing?

Bottom line: Give Dave a break. I, like many of you, take issue with his investing approach. Very optimistic and too aggressive for most people. The 12% in "good growth stock mutual funds" could easily cause many to not save enough. Eight percent withdrawal rate in retirement? Not good and dangerous...
by darkhorse346
Sat Jun 24, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)
Replies: 35
Views: 3888

Re: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)

South Seas Island Resort at Captiva Island. They have great activities for kids and families.
by darkhorse346
Fri Jun 09, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

I bank at Schwab, hold most of our investment accounts at Vanguard, except for my wife's 403(b) which is at Fidelity because her employer doesn't allow her to invest with Vanguard. All are excellent on the customer service end. I have seen complaints about Vanguard CS in these forums, but have neve...
by darkhorse346
Mon Jun 05, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

I had a problem with Vanguard while settling my father's estate. I was the executor. Vanguard received my paperwork from the state of CT appointing me as the executor. In the state of CT your appointment s for a year. It says just that on the notarized form. Dad's estate consisted of eight insuranc...
by darkhorse346
Mon Jun 05, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

sambb wrote:would definitely avoid vanguard and choose fidelity or schwab.
Are you speaking from experience, sambb?
by darkhorse346
Sun Jun 04, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

They are both good, as is Schwab too. Of these 3, IMHO Fidelity has the best website for individual bonds. I don't care for Schwab's bond page. Vanguard's bond page is OK, just not as good as Fido. I did have an occasion to speak with a VG bond desk guy who was very pleasant and helpful. I don't th...
by darkhorse346
Fri Jun 02, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

Have accounts at VG and Fido. Fido for 35 years, including our "checking/bill paying account" Fido is, in our experience, very easy to use. Easy to reach by phone 24/7 (understand from prior post that's not true for employer 401k, which seems reasonable that they would not be 24/7, and that's our e...
by darkhorse346
Thu Jun 01, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

8-) I am currently with Schwab and have used Vanguard and Fidelity in the past. I generally handle all investments on my own and my fiancee also has no interest in handling them. I am biased toward Schwab they have the Intelligent Advisory service. There is a .28 fee that is capped with the cash dra...
by darkhorse346
Tue May 30, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

I'd like to get some real world experiences from people who had to deal with inheritances, MRDs, etc. at Vanguard, Schwab, or Fidelity. My step-mom passed away last year and it was easy to transfer her assets from several brokers, including Schwab, to Vanguard. Just called Vanguard up and they init...
by darkhorse346
Tue May 30, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

Did you know what you and your dad wanted to do before contacting Vanguard or did they guide you all on this? My father and I knew what we wanted, but I went over everything with my Vanguard rep, and with their Transition office rep, to be sure I could make transactions on the account I was setting...
by darkhorse346
Mon May 29, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 7590

Re: Retiring in southern college town

Isabelle77 wrote:Another +1 for Charlottesville, VA.
Charlottesville, VA - great choice!
by darkhorse346
Mon May 29, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: HR Experts- is a PHR/SPHR worth it?
Replies: 7
Views: 1668

Re: HR Experts- is a PHR/SPHR worth it?

I spend quite a bit of my time in the realm of Human Resources as an operations person and have been for years. I was wondering if there are any HR people out there who could comment on whether the PHR or SPHR certification has been worth it for them, especially financially career wise? Certainly, ...
by darkhorse346
Mon May 29, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

About eight years ago I was POA and then executor for my aunt. All of her savings was in bank CDs and Treasury bills. As the CDs and T bills matured I consolidated all of her money at Vanguard and then distributed her remaining funds to her heirs after her death. Vanguard was very helpful and every...
by darkhorse346
Sun May 28, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 7590

Re: Retiring in southern college town

I'm going to throw a curve ball out there -- what about Auburn, Alabama? It's not coastal but you are maybe a 2 hour drive from the Panama City beaches. Dothan, AL is not really a college town but has a cool small town feel. You are maybe 1 hour from Panama City FL there. I spent quite a bit of tim...
by darkhorse346
Sun May 28, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

A recent example of customer service at Vanguard - I sent a message on Wednesday asking a pretty simple question. No response so far. Not even a response saying they got the message. I've not had any problems with Vanguard for the past 14-15 years, but then again, it's basically been adding money t...
by darkhorse346
Sun May 28, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

I'd like to get some real world experiences from people who had to deal with inheritances, MRDs, etc. at Vanguard, Schwab, or Fidelity. Thank you. I think WellsTrade has the best 1099-B and 1099-DIV in terms of accuracy, timeliness, and ease of use at tax time. We've got multiple Wells Fargo banks ...
by darkhorse346
Sun May 28, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

I'd like to get some real world experiences from people who had to deal with inheritances, MRDs, etc. at Vanguard, Schwab, or Fidelity.

Thank you.
by darkhorse346
Sun May 28, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

A local office can be helpful as long as good people staff them and turnover is low. I think you have to do some test runs by having accounts at all of them (add TDAmeritrade, too), then make your own personal decision. You may decide to consolidate … or not. We found hassles everywhere, but differ...
by darkhorse346
Sun May 28, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

I've been with Vanguard for a long time and have had no problems. Having said that, my family's needs are going to expand beyond picking good, low-cost target retirement funds for IRAs in the next few years. I'm knowledgeable about mutual funds and do not have a need for an advisor. Spouse has zero ...
by darkhorse346
Sun Apr 30, 2017 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Does Portfolio Size Influence Stock/Bond Allocation?
Replies: 43
Views: 5702

Re: Does Portfolio Size Influence Stock/Bond Allocation?

David, This is interesting and I think could help a lot of people besides just me. Can you explain "the math" behind what you said below? (For example, how did you estimate that a 50% drop could cost an investor 25% and how, by holding 60% stocks, the cost could be reduced to only 15%?) Thank you fo...
by darkhorse346
Mon Jan 09, 2017 8:56 pm
Forum: Investing - Theory, News & General
Topic: How to know your risk tolerance, without ever living through a crash?
Replies: 29
Views: 3054

Re: How to know your risk tolerance, without ever living through a crash?

I think it makes more sense to look at the amount of money one could potentially be down instead of the percentage. Investor A is 30 and has $50K in retirement savings. S(he) experiences a 50% decline. Not pleasant, but the account is down to $25K and s(he) has 35 more years to invest. Investor B is...
by darkhorse346
Mon Jan 09, 2017 8:41 pm
Forum: Investing - Theory, News & General
Topic: all the debate over tilting away from market-cap weighting
Replies: 27
Views: 3055

Re: all the debate over tilting away from market-cap weighting

This forum has been an immense help to my family, but I do find myself getting lost in all the debate over factor tilts/tilting away from market-cap weighting or anything that shifts a stock portfolio away from the closest possible representation of the total U.S. stock market or the global stock m...
by darkhorse346
Mon Jan 09, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Help with paying off debt
Replies: 56
Views: 5909

Re: Help with paying off debt

Car payment 1: $255 per month with 36 months remaining (3.28% interest) 8k remaining balance Student Loan $6250 remaining (not being billed yet, as I am still in school.) Will start to be billed in about 4 months. Interest is at 3.6% Car payment 2: $270 per month with 48 months remaining (0% intere...
by darkhorse346
Mon Jan 09, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: International versus Domestic
Replies: 9
Views: 1402

Re: International versus Domestic

I think you'd be okay with anything between 20% and 50% of your stock allocation in international.

There really is not a "wrong" answer.
by darkhorse346
Mon Jan 09, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to add international and other portfolio advice
Replies: 30
Views: 2517

Re: Looking to add international and other portfolio advice

You really really can't go wrong with either fund. Yes, Total International is less expensive and more diversified, but International Growth is no slouch either. It's low cost and has seasoned managers. It does tend to take additional risks on the margins, but it could hardly be characterized as a b...
by darkhorse346
Sun Oct 30, 2016 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions - Best Practices and Lessons Learned
Replies: 16
Views: 3047

Re: Roth Conversions - Best Practices and Lessons Learned

A thread with links to help answer your questions: Which brokers do hassle-free Roth cnvrsn recharacterizations The main lesson seems to be to understand IRS Form 8606 really well by reading the instructions and the form itself. Also learn the vocabulary: rollover, conversion, recharacterization, R...
by darkhorse346
Sun Oct 30, 2016 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions - Best Practices and Lessons Learned
Replies: 16
Views: 3047

Re: Roth Conversions - Best Practices and Lessons Learned

cheese_breath wrote:
user5027 wrote:1) I open a new Roth. It makes recharacterizations easier....
+1 You can combine your Roths into one after the period for recharacterizing has expired.
Thank you, User and CB.

Please explain "recharacterizations". How does these work?