Search found 1515 matches

by sperry8
Fri Apr 20, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 65
Views: 5968

Re: New retirees: so whatdayathink ?

Long time lurker, just registered so this is my first post. I retired about 2 months ago (at age 59), due in no small part to what I have learned here over the years. I transitioned to part time a few years ago and gradually ramped down until I was half time for the year prior to retiring. Having m...
by sperry8
Fri Apr 20, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 93
Views: 16445

Re: Ally Bank No penalty CD for parking cash, is there a catch?

As mentioned in other threads, Vanguard's Prime Money Market fund is now yielding 1.78%. Exactly. The Ally no-penalty CD is no longer competitive for short-term cash. You can open a trust account at Vanguard. Another option is Popular Direct savings paying 2.00% APY. https://www.depositaccounts.com...
by sperry8
Fri Apr 20, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 56
Views: 3480

Re: Selling a car: how to get paid?

Car sale newbie question here... I never sold a car before and have just been reading about the process a bit. I wonder about the best reasonable approach to assure that I get paid in a private transaction, before giving the title. Articles I read suggest getting a cashier's check and verifying it ...
by sperry8
Fri Apr 20, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 82
Views: 11201

Re: What online bank do you use?

As of today Popular Direct which offers 2% APY and Vanguard Municipal Money Market, which is an effective yield of 1.99% for those in the 22% bracket (better if higher). I use Ally Bank as my main online hub bank (to push/pull monies around) and hold an online checking account there as well. I only ...
by sperry8
Thu Apr 19, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: care.com -- any reviews / experience?
Replies: 14
Views: 1036

Re: care.com -- any reviews / experience?

I have been able to cancel quite easily after joining. I did it online, no phone call or hard sell required. I have hired a caregiver for my father (eldercare) and house cleaning personnel. All were excellent. I highly recommend Care.com. However, understand you get out of it what you put into it. ...
by sperry8
Wed Apr 18, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 166
Views: 10652

Re: Is Los Angeles a good place long term to live financially?

OP - why must you make this a "rest of your life" decision? Why not go to LA and try it out? Rent for a year and see if you like it. I lived there and it has good points and bad points just like every other place on the planet. But some people find they like the good points a lot and the bad points ...
by sperry8
Wed Apr 18, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: care.com -- any reviews / experience?
Replies: 14
Views: 1036

Re: care.com -- any reviews / experience?

Wondering if anyone has experience using care.com to find a caregiver. Based on a fairly quick internet search, many of the negative reviews seem to stem from complaints about the company's auto-renewal policy. I could see how this is a nuisance, though the company's justification is that it avoids...
by sperry8
Wed Apr 18, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 92
Views: 4344

Re: Termination of transfers from SPG and Marriott to airlines?

6x points on in-hotel and 3x on restaurants/air I have to admit I am not too impressed with the 3x bonus category especially for a premium card. There are lots of cards that give bonuses in those categories. Amex Plat (which I hold) gives me 5x Amex MR on airline purchases which to me is much bette...
by sperry8
Wed Apr 18, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: How do I properly calculate taxable yield for Vanguard Municipal Money Market?
Replies: 9
Views: 536

Re: How do I properly calculate taxable yield for Vanguard Municipal Money Market?

I've always disliked that places bump up the yield of tax-exempt things to make it look better. I prefer to bump down the yield of taxable things to show me what I'm really getting to invest and/or spend. Good point. So assuming 24% 2018 bracket (marginal), then Vanguard Prime MM (VMMXX) 1.79% beco...
by sperry8
Wed Apr 18, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Google sheets not pulling stock prices
Replies: 21
Views: 1951

Re: Google sheets not pulling stock prices

Is there a way to pull in 7 or 30 day SEC Yield into a google spreadsheet? For example, it's shown here for Vanguard Prime MM (VMMXX) as 1.78% (a/o today) https://personal.vanguard.com/us/funds/snapshot?FundId=0030&FundIntExt=INT&ps_disable_redirect=true&funds_disable_redirect=true I perused this ( ...
by sperry8
Wed Apr 18, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: How do I properly calculate taxable yield for Vanguard Municipal Money Market?
Replies: 9
Views: 536

Re: How do I properly calculate taxable yield for Vanguard Municipal Money Market?

Here's just some basic education in tax-equivalent yields for any lurkers, and then some more info related to your specific question. Suppose you are contemplating putting $1000 away for one year. And your choices are a taxable savings account and a tax-free municipal money market. The taxable acco...
by sperry8
Wed Apr 18, 2018 7:05 am
Forum: Investing - Theory, News & General
Topic: How do I properly calculate taxable yield for Vanguard Municipal Money Market?
Replies: 9
Views: 536

How do I properly calculate taxable yield for Vanguard Municipal Money Market?

Hello all, In another thread I learned of the potentially "high" rates for Vanguard's Municipal Money Market fund (VMSXX) which may make it better for me vs Vanguard Prime Money Market on an equivalent basis. It currently has a 1.48% yield, but I need to calculate it for "taxable" to see which is be...
by sperry8
Wed Apr 18, 2018 6:29 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 100
Views: 14689

Re: Ally online savings now at 1.45%

Is this a free lunch compared to VMMXX even for those in the 22% federal tax bracket? 1.48%/0.78 = 1.89% vs VMMXX's current 1.78% yield. Am I missing something? Wild. I was just about to move monies into Prime Money Market and stumbled upon this. I too am in the 22% bracket for 2018. But of course ...
by sperry8
Tue Apr 17, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 92
Views: 4344

Re: Termination of transfers from SPG and Marriott to airlines?

Interesting then the value of the premium card to me would really come down to what value is extracted from the 50k free night. I am not sure I want to hold a $450 card to collect say a $250 free night + $300 refund. But if one is staying at SPG anyway I can see the appeal. For me without status (f...
by sperry8
Tue Apr 17, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 92
Views: 4344

Re: Termination of transfers from SPG and Marriott to airlines?

(2 nights paid to get the $300 credit) It is not clear to me that the credit can be used for your lodging costs. If it is I agree this card may have value but if it is for incidentals (meals, spa treatments, whatever) then it has a lot less value to me at least. Room/lodging charges are eligible (t...
by sperry8
Tue Apr 17, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 100
Views: 14689

Re: Ally online savings now at 1.45%

I guess they are going to lag for a while. Vanguard Muni Money Market SEC yield is 1.48%. It's an easy decision to go for tax free yield over the same taxable yield. Is this a free lunch compared to VMMXX even for those in the 22% federal tax bracket? 1.48%/0.78 = 1.89% vs VMMXX's current 1.78% yie...
by sperry8
Tue Apr 17, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 92
Views: 4344

Re: Termination of transfers from SPG and Marriott to airlines?

The Luxury card is just not appealing at all. $450 AF minus $300 hotel credit = $150 AF with pretty much the same earning as the $95 card. For airline miles, CSR and Citi Prestige earn more miles. Both CSR and Prestige earn more at hotels/air/restaurant even with the SPG/Marriott 1.25 transfer bonu...
by sperry8
Tue Apr 17, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 100
Views: 14689

Re: Ally online savings now at 1.45%

I guess they are going to lag for a while. Vanguard Muni Money Market SEC yield is 1.48%. It's an easy decision to go for tax free yield over the same taxable yield. Is this a free lunch compared to VMMXX even for those in the 22% federal tax bracket? 1.48%/0.78 = 1.89% vs VMMXX's current 1.78% yie...
by sperry8
Tue Apr 17, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: How long for irs to pull from checking
Replies: 13
Views: 1512

Re: How long for irs to pull from checking

If I need to pay 40k for my estimated taxes while filing an extension to wait on a K1 for my partnership income, will that money need to be in my checking account tomorrow if I file electronically? I have most of my money in no penalty CDs and need a few days to get it to my checking. I filled out ...
by sperry8
Tue Apr 17, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 92
Views: 4344

Re: Termination of transfers from SPG and Marriott to airlines?

What did change, however, is the earnings rate for the SPG Amex card. The unbonused spend now (August) earns 2 Marriott points instead of one Star Point. Since 1 Star Point equals 3 Marriott points, that is a loss of 1/3 of value when transferred to airlines. I think Amex is the big loser in this. ...
by sperry8
Sun Apr 15, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: How much is too much in a Fidelity or VG account?
Replies: 22
Views: 3942

Re: How much is too much in a Fidelity or VG account?

Although I agree and appreciate the answers herein, I too keep ~15% of my assets with Fidelity as a "risk diversification tool". I simply transferred them in-kind and they just sit there. It costs me $0. In the future should something occur that delays my Vanguard access, I will appreciate having bo...
by sperry8
Sun Apr 15, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 92
Views: 4344

Re: Termination of transfers from SPG and Marriott to airlines?

Several travel/credit card bloggers have posted about an upcoming 16 April 2018 announcement related to the Marriott and SPG merger (see, for example, Frequent Miler's today's post https://frequentmiler.boardingarea.com/2018/04/13/the-marriott-spg-rumor-mill-whats-real/). They predict that the join...
by sperry8
Sun Apr 15, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Google Pixel just died
Replies: 10
Views: 1416

Re: Google Pixel just died

Not much luck with Pixel. I got a Pixel 1 last September and it spontaneously erased itself a few days after I started using it. Google replaced it with another one, and now it seems to be dead as doornail. Turned it off last night and turned it on this morning but nothing. Plugged in the charger c...
by sperry8
Sun Apr 15, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 92
Views: 4344

Re: Termination of transfers from SPG and Marriott to airlines?

Several travel/credit card bloggers have posted about an upcoming 16 April 2018 announcement related to the Marriott and SPG merger (see, for example, Frequent Miler's today's post https://frequentmiler.boardingarea.com/2018/04/13/the-marriott-spg-rumor-mill-whats-real/). They predict that the join...
by sperry8
Sun Apr 15, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: "guaranteed" 6% return vs index fund investing
Replies: 30
Views: 2777

Re: "guaranteed" 6% return vs index fund investing

6% taxed at ordinary income is 4% real (or thereabouts). I'd take my chances in the market (surely wouldn't mess with my equity portion). However, for my fixed income/cash AA portion, I'd allocate some of this to the business loan to diversify. Perhaps a third of my allocation.
by sperry8
Sun Apr 15, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 116
Views: 16206

Re: Is it time to dump high yield savings for prime money market?

What I meant to ask was that Schwab has a purchased money fund that is at 1.61 I believe but it is not a sweep acct.You have to buy and sell it like a mutual fund.I am assuming it is equivalent to vanguard’s money market? I keep $6k+ in Schwab as they are my primary debit card... but it earns no in...
by sperry8
Sun Apr 15, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carryover: Use it or save it?
Replies: 35
Views: 3600

Re: Capital Loss Carryover: Use it or save it?

Ozone: Your point is well-taken. Using up a bit of your capital losses could be justified, and then just continue to tax-loss harvest. You'll continue to have your losses over time that you can play with. Adam: The intermediate-term bond fund you mention is 50% treasuries with a duration of 6.5 yea...
by sperry8
Thu Apr 12, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 153
Views: 17735

Re: 2-year CDs at Vanguard and Fidelity Today

To you (Morass) CD lovers....Ya Can't beat Ally for the best rates whether CD's or savings accounts. :happy Wrong! I love Ally as a hub bank, and occasionally they've come out with a good deal, like the no-penalty 11-month at 1.75%, which at the time was a great deal (down to 1.50% now, so no good ...
by sperry8
Thu Apr 12, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Any opinion on Popular Direct?
Replies: 19
Views: 3000

Re: Any opinion on Popular Direct?

Interesting. I'm at Ally and have been ever since I gave up on Prime MMF. I like being able to transfer large amounts around easily, but 0.26% is 0.26%. Having to only transfer $10K at a time would be a major pain for me. Do you have a link to where the site says that? You can pull $150k daily (up ...
by sperry8
Wed Apr 11, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: High-yield Savings
Replies: 31
Views: 3702

Re: High-yield Savings

Popular Direct offers 2% uncapped. https://www.depositaccounts.com/banks/popular-direct.html Surely the online account to open as of today. 2% liquid is the top rate in country at the moment. I've been with them for a few years. The SEC Yield for Vanguard Prime Money Market Fund VMMXX is 1.75% I'd ...
by sperry8
Wed Apr 11, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 no beneficiary option
Replies: 9
Views: 699

Re: Capital One 360 no beneficiary option

This is why I closed my Capital One 360 and went to Ally Bank. Agreed. I tend to keep low amounts in online banks who don't allow beneficiaries to be added. In fact, Popular Direct, the nations top rate leader at 2% at the moment requires SS#s... which is a pain. I am making an exception however si...
by sperry8
Wed Apr 11, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Fisher Investments hard sell
Replies: 40
Views: 37709

Re: Fisher Investments hard sell

Lots of threads on Fisher on Bogleheads. I was a former client. Didn't work for me (they couldn't beat the benchmark). https://www.bogleheads.org/forum/viewtopic.php?t=63502 (includes my lengthy review). Here are a few more: https://www.bogleheads.org/forum/viewtopic.php?t=233730 https://www.boglehe...
by sperry8
Wed Apr 11, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: High-yield Savings
Replies: 31
Views: 3702

Re: High-yield Savings

Popular Direct offers 2% uncapped. https://www.depositaccounts.com/banks/popular-direct.html Surely the online account to open as of today. 2% liquid is the top rate in country at the moment. I've been with them for a few years. The SEC Yield for Vanguard Prime Money Market Fund VMMXX is 1.75% I'd ...
by sperry8
Wed Apr 11, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 84
Views: 13306

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

Hi guys, I'm new to investing and would really appreciate some feedback on how I can achieve my goals with the least amount of risk possible. I'm' 37, no debt, will have about 4 million (maybe 5 to 6) to invest within the next year, and emergency cash fund of around 250k to 400k. I do not plan on w...
by sperry8
Thu Mar 29, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Renting car when you lose your D/L out of state
Replies: 30
Views: 2146

Re: Renting car when you lose your D/L out of state

Not only can you not rent a car, in most states (maybe all) it's illegal to drive without your license in your possession. Uber, Lyft, Taxi... ? To mitigate the illegality, you can file a police report when you lose your license or it is stolen. Then you have "some time" where you can drive and pol...
by sperry8
Tue Mar 27, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 69
Views: 8024

Re: Replacement for Google Finance price quote function

Does anyone have a formula for a 'YTD return' and '5 year return' of a stock ? I already have the this for a mutual fund. Here is is for a 1 year return, but I can't quite figure it out for the other 2 I mentioned above =ROUND( ( GOOGLEFINANCE("IBM","price") / index(GOOGLEFINANCE("IBM","price", dat...
by sperry8
Tue Mar 27, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 69
Views: 8024

Re: Replacement for Google Finance price quote function

Lately, I've become increasingly disappointed with Google Finance's slow updates for daily mutual fund NAV quotes in my Google Docs portfolio tracker. Rather than do workarounds with ETF quotes, which are actually up-to-date, I've replaced my Google Finance functions and now pull all fund quotes fr...
by sperry8
Tue Mar 27, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Google sheets not pulling stock prices
Replies: 21
Views: 1951

Re: Google sheets not pulling stock prices

Not working for me either. VOE isn't pulling but many Vanguard ETFs are (VTV and VBR are working). A variety of others aren't working too - and yet some others are. Let's get on the ball Google! :P Here is another place to complain: https://productforums.google.com/forum/?utm_medium=email&utm_source...
by sperry8
Wed Mar 21, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 116
Views: 16206

Re: Is it time to dump high yield savings for prime money market?

Now that Prime is at 1.63% it's quite competitive again (after years of not being so). Still, online banks offer as high as 1.85% as of today. Most of my online banks are at 1.75% APY (CIT Bank, Ally no penalty CD), so no I won't switch. That said, as dividends are paid out I am much more likely to...
by sperry8
Wed Mar 21, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Buying vs renting - really tough decision to make
Replies: 64
Views: 4361

Re: Buying vs renting - really tough decision to make

livesoft wrote:
Tue Mar 20, 2018 8:57 pm
You've convinced me that you should rent. I don't even see why the decision is tough after what you have posted.
Agreed. And financially in the current market, this is true for most cities.
by sperry8
Wed Mar 21, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 116
Views: 16206

Re: Is it time to dump high yield savings for prime money market?

Now that Prime is at 1.63% it's quite competitive again (after years of not being so). Still, online banks offer as high as 1.85% as of today. Most of my online banks are at 1.75% APY (CIT Bank, Ally no penalty CD), so no I won't switch. That said, as dividends are paid out I am much more likely to ...
by sperry8
Tue Mar 20, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: how to end residency with a state
Replies: 10
Views: 1264

Re: how to end residency with a state

Probably a really good idea to get rid of your New Jersey driver's license, voting registration, and car registration. Perhaps this link will help with the LLC http://www.state.nj.us/treasury/revenue/dissolve.shtml . Best wishes. Good idea about the voter registration. I moved out of CA last year a...
by sperry8
Sun Mar 18, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Does credit score matter if you never plan to borrow money again?
Replies: 44
Views: 4167

Re: Does credit score matter if you never plan to borrow money again?

I told them to expect a BBB complaint (now filed) BBB complaints are worthless, complete waste of time. Disagree. I have gotten a lot of people out of my hair with BBB and AG complaints. I write them every time I have an issue that cannot be resolved amicably and most of the time those two steps re...
by sperry8
Sun Mar 18, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: High Yield Savings Account Recommendations?
Replies: 48
Views: 4013

Re: High Yield Savings Account Recommendations?

If you travel abroad - Ally Bank has excellent overseas Debit & ATM withdrawal fees. They are at 1% whereas many banks charge $5 per withdrawl plus 3% on top of that. Something to consider. I keep Ally just for that. If you travel abroad you'd be much better off with Charles Schwab who charges $0 a...
by sperry8
Sun Mar 18, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Cancelled car insurance before leaving on extended trip, now premiums tripled
Replies: 13
Views: 2821

Re: Cancelled car insurance before leaving on extended trip, now premiums tripled

OP, Ive had similar gaps in insurance and the insurer always told me not to do it. But upon my re-issuance 8 months later no increase occurred. However in my case it was the same insurer. I'd recommend in the future being sure you're with one of the largest companies that is nationwide so they won't...
by sperry8
Sun Mar 18, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: Could all of these "low expected returns over next 10 years" predictions be wrong?
Replies: 120
Views: 10881

Re: Could all of these "low expected returns over next 10 years" predictions be wrong?

The obvious answer is yes (lol I know that will get quoted) but I'm just wondering, as much as BHs are "anti market time" they all seem to subscribe to the recent predictions that suggest the next 10 years might have 4% returns on average or so. What are the chances that's entirely wrong? Or, here'...
by sperry8
Sun Mar 18, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 5433

Re: Amazon Prime Going Sideways/Weird Shipment Problems

I have had the same experiences here in Miami. Previously in Los Angeles it was lock down 2 day delivery, sometimes upgraded to 1 day. But here it is the norm to do 3-4 day delivery and it is rare to see 2 day. I called and chatted to complain. They claim it isn't the delivery but rather the product...
by sperry8
Sun Mar 18, 2018 12:16 am
Forum: Personal Consumer Issues
Topic: Soft boxer shorts for men
Replies: 28
Views: 2549

Re: Soft boxer shorts for men

I do not wear Duluth trading company. But I know several guys that do and they swear by them. I've posted on here before about Duluth trading, but I will give them another giant +1. I've replaced almost all my clothes with their stuff. I love their armachillo boxers, but it's not cotton like you we...
by sperry8
Sun Mar 18, 2018 12:11 am
Forum: Investing - Help with Personal Investments
Topic: How best to use carryover capital losses?
Replies: 17
Views: 1408

Re: How best to use carryover capital losses?

Like the OP I am also considering at the end of this year (or thereabouts) to reduce my equity allocation and take some profits off the table. This will also result in me eating up my capital losses carryover. I'm unclear if it's best to save it and apply against gains over the next few years or if ...
by sperry8
Thu Mar 15, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: To Sell VGHAX or Not to Sell VGHAX? [Vanguard Health Care Fund Admiral]
Replies: 7
Views: 695

Re: To Sell VGHAX or Not to Sell VGHAX? [Vanguard Health Care Fund Admiral]

I'm considering selling one of my funds as well (to take some profits off the table). My overall allocation has risen due to the bull market and now I have ~72% equities (which is too high). I prefer to have 70% but since we are later in the game, I thought I'd bring it down to ~65%. I have VGHAX [V...