Search found 1181 matches

by radiowave
Mon Sep 11, 2017 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate for Early Retirement?
Replies: 41
Views: 3457

Re: Relocate for Early Retirement?

Good point on retirement home. I can't imagine being in our current house in our 80s high hill, many stairs, feet of snow to plow, second story master. We're headed back to NC in a few years, single story, first floor master, minimum stairs to contend with and the rare snow that melts in a day or tw...
by radiowave
Mon Sep 11, 2017 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate for Early Retirement?
Replies: 41
Views: 3457

Re: Relocate for Early Retirement?

One other thing to consider is Colorado Springs is one of the hottest real estate markets in the country - for many plus more of the reasons you stated. That means increased housing costs (if you can find a reasonable place at a reasonable price), increased congestion/traffic, and plenty of new stor...
by radiowave
Thu Sep 07, 2017 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: 1st time Portfolio Review
Replies: 8
Views: 785

Re: 1st time Portfolio Review

I concur with badbreath. You can increase your bond portion in Fidelity using FXSTX (and that's an excellent ER) and take out bonds in taxable and probably break up the target date fund proportionally with the SP500, international and bond fund.

and welcome to the forum!
by radiowave
Thu Sep 07, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Waterproof container for documents-pending Florida hurricane
Replies: 29
Views: 2282

Re: Waterproof container for documents-pending Florida hurricane

For a classier looking waterproof container, I would get a pelican case. I have used them for electronics out in the weather for many years. The essentially look like a briefcase on steroids and in brighter colors. +1 and you can probably get them at Walmart, sporting goods store, etc. and if you a...
by radiowave
Tue Sep 05, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: setting up a CD/bond ladder for short/medium term drawdown
Replies: 5
Views: 795

Re: setting up a CD/bond ladder for short/medium term drawdown

OP, a generic comment on CDs, re: Ally bank. It has one of the most flexible web interfaces for managing CDs and some of the best products right now. There is an 11 mo no penalty (no EWP) 1.50% return ($25k min).
by radiowave
Fri Sep 01, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Discover card inquiry about income and liquid assets
Replies: 50
Views: 3517

Re: Discover card inquiry about income and liquid assets

A side note/question, what income are they asking for - gross, net after taxes, AGI, etc.?
by radiowave
Wed Aug 23, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Is anybody using BND as a way to park cash?
Replies: 23
Views: 2188

Re: Is anybody using BND as a way to park cash?

Are you aware of online high yield savings accounts? Some common ones are: Ally, American Express, Discover, Synchrony. Ally currently has an 11 month 1.50% CD non penalty withdrawal ($25k minimum). FDIC insured to $250k per person. If you just want to "park cash" that would probably be the best fir...
by radiowave
Wed Aug 23, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Parking cash for a home
Replies: 7
Views: 751

Re: Parking cash for a home

+1 on the Ally 11 mo CD. FDIC limit is $250k/person or $500k for married couple. You could open a second online savings, e.g. AMEX, Discover, Synchrony, etc. to keep your cash under the FDIC limit. Consider breaking into smaller CDs in case you need a small amount of cash, you don't have to get hit ...
by radiowave
Wed Aug 23, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on emergency fund/cash options
Replies: 13
Views: 1065

Re: Opinions on emergency fund/cash options

Consider total stock funds, e.g. VTSAX or FSTVX (VG, Fido) in a taxable account for tier 3. That's more a long term asset, e.g. > 5yrs but still could be sold if really needed and you pay only capital gains . . . if you're still in the 15% band, LTCG = $0. Muni bonds in taxable probably are not a go...
by radiowave
Sat Aug 12, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 107
Views: 17329

Re: Best place (with warm weather) to raise children

Look into Raleigh-Chapel Hill-Cary (Research Triangle NC area.) Has all 6 that are on your list plus housing costs & medical lower than national averages. Wish I had done it fifteen years ago. +1 Beach is about 2 hours (Wrightsville/Topsail Beach), mountains are about 2.5 (Boone, Banner Elk, Blowin...
by radiowave
Mon Aug 07, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing expense ratios and returns
Replies: 6
Views: 478

Re: Comparing expense ratios and returns

"past returns are not an indication of future earnings" So unbundle the two. Also, the higher the return, the higher the risk. How would you feel if you lost over half of your investment in the future? Not trying to be snarky here, but if you chase returns and try to time the market, there is a high...
by radiowave
Thu Aug 03, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Losing confidence in Ally Bank - what would you do
Replies: 58
Views: 6764

Re: Losing confidence in Ally Bank - what would you do

A side note from the OP post. If you are using savings for your cash repository, probably not a good idea to directly transfer money from there. Consider doing all bank to bank (brokerage) transfers from checking. Yes it's an extra step but the added layer of security could be helpful if you get hac...
by radiowave
Thu Aug 03, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Help: Fidelity or Vanguard
Replies: 33
Views: 2526

Re: Help: Fidelity or Vanguard

I agree with the consensus to stay with Fidelity. The solo 401k is quite good and you have access to all low ER Fidelity mutual funds.
by radiowave
Mon Jul 31, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card options??
Replies: 18
Views: 2017

Re: Best credit card options??

Consider also having a card for use during foreign travel. Both the quality of the exchange rate and the fee are important, some cards charge 3% or more in fee. The DoubleCash from Citi is a good card, with an above average set of web services. +1 on QuickSilver CapOne. Worked well in Europe last y...
by radiowave
Mon Jul 31, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 8386

Re: Should you wait until the due date to pay credit card balance?

My Credit Card bill is the one thing I do NOT have on auto-pay. What if there is a fraudulent $15,000 charge the day before the bill is due and I don't catch it? By having to log in at least once a month to schedule the payment forces me to take a look across the charges to make sure nothing is ami...
by radiowave
Sun Jul 30, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Again
Replies: 6
Views: 992

Re: Retirement Again

Hi, welcome to the forum With your wife being ~7 years older than you, all other things being equal, you will likely outlive her unless there is some health or family history concern. So if you go for "Single life - 4876/mo" you basically meet your expenses when you factor in a small amount of inter...
by radiowave
Wed Jul 26, 2017 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a taxable account
Replies: 5
Views: 738

Re: Opening a taxable account

Thanks for response Taylor. Definitely gives me something to think about. . . . I do have a Roth (only $5,500) at Vanguard still. Do you know if I'd be able to transfer that over to Fidelity in kind? Yes, pretty straight forward, start on the Fidelity side, call their help line and they will initia...
by radiowave
Fri Jul 21, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: if spreadsheet with account balances goes to hackers?
Replies: 11
Views: 1112

Re: if spreadsheet with account balances goes to hackers?

You could password protect the spreadsheet as well.
by radiowave
Fri Jul 21, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Denver or Portland for a 2nd home
Replies: 66
Views: 5212

Re: Denver or Portland for a 2nd home

Note that you won't be near trails if you live in downtown Denver (paved paths, yes, but not proper trails). And the nearest trails will be very crowded weekends and weekday evenings. The more remote trails will require travel on congested highways like I-70 or US285. I suppose as a retiree you'll ...
by radiowave
Fri Jul 21, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Denver or Portland for a 2nd home
Replies: 66
Views: 5212

Re: Denver or Portland for a 2nd home

Having moved from the Southeast about 4 years ago, I wish I would have come to Colorado 20 years ago! Denver metro area, well the entire front range is considered high desert. So many if not most days humidity will be in the 20 something % range (see the comment above on lip balm). But summers are w...
by radiowave
Thu Jul 20, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: An easy-to-understand withdrawal plan for comments
Replies: 9
Views: 825

Re: An easy-to-understand withdrawal plan for comments

If your taxable accounts have mostly equity, and as you begin retirement you will not be having any income (sans dividends and interest) you have up to about $95K space assuming married, filing jointly, for 0% long term capital gains. So you could sell your equity in taxable for essentially tax free...
by radiowave
Thu Jul 20, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2532

Re: Fidelity Full View usefulness?

FV can be a little slow and clunky, but in the end it allows me to track my expenses very easily. This is important to me as I run up to retirement. It also accurately captures Fidelity and external investments. With that said, I have a substantial amount in TIAA-CREF and while FV accurately tracks...
by radiowave
Wed Jul 19, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching major milestone, need cool-headed advice
Replies: 34
Views: 5026

Re: Approaching major milestone, need cool-headed advice

I agree w above, a lot to be said to be fully vested and eligible for Medicare. If the means delaying retirement for a few years to ensure more security in retirement, that's an investment in your future. What if you live to 90+ but run out of money earlier than that?
by radiowave
Wed Jul 19, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)
Replies: 35
Views: 2904

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

Not so much as a place to stop but a route, consider taking the Tamiami Trail across to I75, you're basically driving across the Everglades.

+1 on Captiva Island for a stay over. Beautiful beaches and plenty of shells to collect.
by radiowave
Wed Jul 19, 2017 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Designed an aggressive 20 year portfolio. Thoughts?
Replies: 24
Views: 2166

Re: Designed an aggressive 20 year portfolio. Thoughts?

Also, organizing you question into different taxable and tax-advantaged accounts would likely get better feedback from BH members.
by radiowave
Tue Jul 18, 2017 8:49 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 4483

Re: Expense Ratios, how high is too high

I wish I had access to Vanguard funds through TIAA. All I have are some of their in-house funds. One of my accounts (previous employer) has no indexes of any kind available. It may be worth talking to your HR department and ask if they would add one or two new funds, e.g. the Vanguard total stock V...
by radiowave
Tue Jul 18, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Best use of money?
Replies: 5
Views: 930

Re: Best use of money?

Probably one of the best short term options is to open an Ally Bank account and put $25K in a no penalty 11 mo CD at 1.50% yield. See: https://www.ally.com/bank/no-penalty-cd/?nt=g&d=c&ag=41249794239&key=kwd-302921173340&ad=201338951412&ex=&cid=71700000022765393&agid=58700002386970317&kwid=p20336930...
by radiowave
Tue Jul 18, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: ATM card for overseas travel
Replies: 25
Views: 1626

Re: ATM card for overseas travel

+1 for Fidelity Cash Mgmt Debit Card. No ATM fees and FX rates are very competitive. Because the Fidelity Debit card is a direct withdrawal from your account, one thing so consider, if you have Fidelity, is create a separate cash management account tied to the debit card and keep just enough cash t...
by radiowave
Tue Jul 18, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6568

Re: anyone retire and move to a planned community in FL?

From what I'm reading, lots of folks have strong feelings about the weather and its potential impact. For us, as I think I mentioned, we would be planning on being typical snowbirds for the first phase of our post work lives, spending summers back up north for probably 5 months or so a year. When w...
by radiowave
Mon Jul 17, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Thinking of Retiring in South Florida
Replies: 13
Views: 1796

Re: Thinking of Retiring in South Florida

Hi all: DW and I are seriously considering retiring to Florida in about 3 or 4 years, either to the DelRay Beach/Boynton Beach/Boca Raton Area or to the Sarasota/St Pete/Tampa area. Currently we live and work in the HCOL area of Long Island NY. We are in our early 60’s. We are familiar with Delray ...
by radiowave
Sun Jul 16, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: most tax efficient way to keep semi-liquid cash
Replies: 8
Views: 729

Re: most tax efficient way to keep semi-liquid cash

Unfortunately the only way not to pay any taxes is to not accrue any interest or dividends. So if you put the money in a brick and mortar bank savings or money market account, say Wells Fargo, Chase, Bank of America, etc. the savings rate is so low you will collect a minimal amount of interest but i...
by radiowave
Sat Jul 15, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost index funds/Fidelity
Replies: 21
Views: 1759

Re: Low cost index funds/Fidelity

What are some of the lowest cost index funds to invest in at Fidelity? And generally what is a good price for an index fund? FSTVX Fidelity Total Market Index Fund - Premium Class ER 0.045% FSIVX Fidelity International Index Fund - Premium Class ER 0.08% FSITX Fidelity U.S. Bond Index Fund - Premiu...
by radiowave
Fri Jul 14, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 1637

Re: Security Alarm Pre-Wire in New Construction

I did a prewire for a full home security and home automation system back in the 90's. The builder was very accommodating, he asked we use his electrician to actually drill the holes in the studs and my wife and I pulled all the wires. Yes, an installer can do it a lot quicker, but we saved quite a b...
by radiowave
Thu Jul 13, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 1637

Re: Security Alarm Pre-Wire in New Construction

Thanks, OP can contact Elk directly per the URL above to find a local installer.
by radiowave
Thu Jul 13, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 1637

Re: Security Alarm Pre-Wire in New Construction

We bought a new house that was already built. The builder prewired the alarm system, but only for doors and motion detectors. We were able to add wireless window sensors and a wireless smoke detector to the prewired system. It did not require any drilling into the drywall. The wireless sensors just...
by radiowave
Thu Jul 13, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement on track, feedback appreciated . . .
Replies: 9
Views: 876

Re: Retirement on track, feedback appreciated . . .

Nice portfolio. Some minor points: - Vanguard Limited-Term Tax-Exempt Fund Admiral Shares (VMLUX), you might consider, depending on your tax situation, moving into a high yield saving and CDs like Ally Bank, 11mo 1.50% yield no penalty CD ($25k minimum). Regular savings 1.15%. - are you maxing out y...
by radiowave
Thu Jul 13, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6568

Re: anyone retire and move to a planned community in FL?

If you're interested in an alternative to The Village, try Highland Lakes in Pinellas Co. just west of Tampa, north of Clearwater in Palm Harbor and close to the beach. My mom and dad retired there in the 90's, wonderful 55+ golf community with lots of activities but not at big as TV and closer to t...
by radiowave
Tue Jul 11, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: seeking advice, in retirement now
Replies: 51
Views: 11632

Re: seeking advice, in retirement now

+1 on VWITX, it does generate between 2-3% of dividends so there is another source of cash which you could reinvest or pull off for a CD or other uses. These do count towards AGI for tax purposes.
by radiowave
Mon Jul 10, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Which investment account and brokerage should I choose?
Replies: 21
Views: 1239

Re: Which investment account and brokerage should I choose?

Mtangler25 welcome to the forum. I'll assume you have looked at the BH Wiki, if not, just click on the link on the main page and work through the various components. I would recommend keep it simple, invest $5,500 of your $7k in a Roth IRA at Vanguard and choose VTI (the ETF version of the venerable...
by radiowave
Mon Jul 10, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put 65k cash
Replies: 64
Views: 5454

Re: Where to put 65k cash

If I am going to invest $65K today all at once, I will invest in Wellesley - period and end of story. Don't fall for the recency bias (of the last 8 years being a great bull market) - the market has gone up with borrowed/printed money across the world. Wellesley Wellesley Wellesley... one answer fo...
by radiowave
Mon Jul 10, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put 65k cash
Replies: 64
Views: 5454

Re: Where to put 65k cash

In Vanguard Target Retirement 2055 fund. Im willing to let it sit and continue to contribute $500 a month until age 60-65 when Im nearing retirement. I am conservative by nature but want a good return. I have no debt at all but also no house but planning to put a 20% down payment by the time I am i...
by radiowave
Mon Jul 10, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Father Plan for Retirement (messy)
Replies: 26
Views: 2771

Re: Helping Father Plan for Retirement (messy)

. . . By the way there are companies that can help him get out of these timeshares - for a fee. Timeshare Exit Team is one I've heard endorsed by Dave Ramsey. They are apparently not cheap but they guarantee they'll get you out of the deal, or you don't pay anything. With $5k a year in fees on time...
by radiowave
Mon Jul 10, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 378
Views: 68584

Re: Bank of America/Merrill Edge - Preferred Rewards

Thanks, guess I'll consider the personal travel reward card.
by radiowave
Sun Jul 09, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 378
Views: 68584

Re: Bank of America/Merrill Edge - Preferred Rewards

Hi, does anyone have any experience with the BoA Business MasterCard? It has similar travel rewards to the personal BoA travel card, e.g. no foreign transfer fees, travel insurance, etc.. Does this card count for Preferred Rewards if included in an individual account? I'm doing a small amount of con...
by radiowave
Fri Jul 07, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Making the jump from Edward Jones
Replies: 41
Views: 3648

Re: Making the jump from Edward Jones

Something similar happened when I moved a fund from Fidelity to Vanguard and yes it was holdback money for the account closure fee.

Glad things worked out for you. You'll be much happier at VG.
by radiowave
Thu Jul 06, 2017 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Rental Sold, High Interest SL's Paid Off, Now What Do I Attack?
Replies: 26
Views: 1864

Re: Rental Sold, High Interest SL's Paid Off, Now What Do I Attack?

Questions 1) Glaring question I have at this point is where do we draw the line versus funding our Roths, increasing our 401k contributions (and starting my wifes), versus continuing to attack our SL's? At this point, my thought is to begin my wife's 401k (they offer service based match, approx 7% ...
by radiowave
Thu Jul 06, 2017 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Help
Replies: 1
Views: 170

Re: Allocation Help

Target date INDEX funds (either at Fidelity or elsewhere) are good investment vehicles for those who don't like to tinker with their portfolio. Target date funds are not tax efficient so not a good choice for a taxable brokerage account but certainly a choice for a Roth IRA or other tax-deferred acc...
by radiowave
Fri Jun 30, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Please suggest a $6K-$8K car
Replies: 22
Views: 1966

Re: Please suggest a $6K-$8K car

if you're looking for a little more space, Honda CR-V 2004-2006. AWD model may be a little over your price range, but our CR-V is now 13 yrs old, 166K miles and running very well, usual high mileage maintenance no major mechanical issues, still getting around 25 MPG and if you're in a snow type clim...