Search found 1249 matches

by radiowave
Fri Nov 17, 2017 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Take Pension or Lump Sum payout?
Replies: 12
Views: 935

Re: Take Pension or Lump Sum payout?

Do you get retirement healthcare benefits as well if you keep the pension?
by radiowave
Wed Nov 15, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Preferred Cash Rewards Visa Card
Replies: 4
Views: 535

USAA Preferred Cash Rewards Visa Card

Anyone know if this card (or the AMEX version) can do automatic eBill pay? My CapOne QuickSilver card no longer does eBill and I'm looking for something to replace it. At 1.5% across the board rewards and no foreign transaction fees, this would be a good backup for travel outside the US.
by radiowave
Wed Nov 15, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Funding Fidelity DAF
Replies: 1
Views: 207

Funding Fidelity DAF

The minimum to fund the Fidelity DAF is $5K. Does that mean after that threshold is met, there is no additional minimum? E.g. I fund my DAF with $5k this year and next year put in say 2K or less? Is there a minimum balance?

thanks
by radiowave
Fri Nov 10, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Discover Online Savings Account w/ Promo Code?
Replies: 8
Views: 868

Re: Discover Online Savings Account w/ Promo Code?

I've had Discover savings/checking for a few years and have been happy with them. Nice clean website and good customer support. No problems to date.
by radiowave
Fri Nov 10, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 51
Views: 2660

Re: Home backup generator experiences

I've had the Honda 2000i portable general for nearly a decade. Got a lot of use out of it as it is portable and you can carry it, put it in the SUV and take it to the outback if needed. It is quiet, gets over 8 hours on full tank of gas and has 110 VAC/12 VDC.

I think we bought it for under $700.
by radiowave
Thu Nov 09, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 151
Views: 12607

Re: How old are you and how much do you save for retirement a year

Age: early sixty something Planned retirement age: mid sixty something Currently working full time: - saving maximum in tax deferred - putting some additional $ in taxable and CDs (bulking up cash for retirement transition) - basically have abt 26 years saved at current annual expenses (not includin...
by radiowave
Tue Nov 07, 2017 7:55 pm
Forum: Investing - Theory, News & General
Topic: National Registry of Unclaimed Retirements Benefits
Replies: 3
Views: 489

National Registry of Unclaimed Retirements Benefits

Has anyone used this website: https://www.unclaimedretirementbenefits.com/SSNSearch.aspx# ? Apparently from this article, it says the web site tracks unclaimed 401ks https://www.usatoday.com/story/money/personalfinance/retirement/2017/11/03/how-to-find-your-lost-retirement-benefits/107224336/ when I...
by radiowave
Mon Nov 06, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: General question about taxable investment at VG
Replies: 8
Views: 1005

Re: General question about taxable investment at VG

If you want to sell some portion of a VG fund and purchase another, then it's really easy, you just exchange one either dollar amount or percent for the other fund. If you want to purchase new funds with external dollars, e.g. a bank account or online savings, then you just specify that at time of p...
by radiowave
Mon Nov 06, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with $ Investment Strategy
Replies: 7
Views: 767

Re: Need help with $ Investment Strategy

BHUN - welcome to the forum! I like Plan 1 if you don't mind a hands on approach to your investments. Over a few decades that is worth a few thousand dollars in expense ratio difference compared to target retirement. I you are apprehensive about doing your own rebalancing (hint in Vanguard it is qui...
by radiowave
Mon Nov 06, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Rebalance -Just buy more bonds?
Replies: 13
Views: 1330

Re: Portfolio Rebalance -Just buy more bonds?

No, my portfolio is sitting around 75% stock, 25% bonds when I look at my Roth IRA, 401K IRA and taxable investment accounts. The 75/25 does NOT include my current employer 401K or my spouse current employer 401K. I'm holding most of my tax exempt bonds (short/intermediate/long) & some internationa...
by radiowave
Sun Nov 05, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 3947

Re: Did I earn an extra hour of interest last night?

I spent my "extra" time doing laundry and reformulating a fish tank stand build since the first attempt resulted in split 2x4s. Now debating renting a framing nail gun to do the rebuild attempt after reading a few forums. If you use a drill and smaller size bit then countersink and use screws inste...
by radiowave
Sun Nov 05, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Best savings account (or fund) for my emergency account?
Replies: 11
Views: 769

Re: Best savings account (or fund) for my emergency account?

One other plus for Allybank, it is very easy to work with their CDs, just a few key clicks on the Ally secure website and you can cash out a CD, change what happens at maturity (where the cash goes), and how interest is handled. It would take about 2 minutes to cash out an Ally CD, direct the money ...
by radiowave
Sun Nov 05, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Brokerage and/or Cash Management Account?
Replies: 12
Views: 936

Re: Fidelity Brokerage and/or Cash Management Account?

I used the Fidelity debit card on a trip to Italy/Switzerland in 2016 without problem. Only used secure bank ATMs (e.g you had to go into bank through secure door to use). Only used the card for cash withdrawal not purchases.
by radiowave
Sun Nov 05, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 3947

Re: Did I earn an extra hour of interest last night?

The hospital had computer network downtime last night spanning the end of daylight savings. The worst part about the end of daylight savings is working an overnight shift during that time (no extra pay). I actually wonder if the hourly employees get paid an extra hour for working the end of dayligh...
by radiowave
Sun Nov 05, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: What to do with Cash right now
Replies: 13
Views: 1015

Re: What to do with Cash right now

For your money market $ you might consider the Ally 11 month no penalty CD at 1.5%. And if a good low penalty direct (non-brokered) CD becomes available you might consider that. If a 3% CD comes along with a 6 month or lower penalty (like the Andrews deal from last December) you can break the Ally ...
by radiowave
Sun Nov 05, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Brokerage and/or Cash Management Account?
Replies: 12
Views: 936

Re: Fidelity Brokerage and/or Cash Management Account?

Some additional things to add to Fclevz post: - the Fidelity debit card will allow access to any ATM, Fidelity will reimburse charges - Fidelity also has an excellent bill pay and eBill option Some minor issues - Fidelity has an excellent Full View option which consolidates expenses (similar to Quic...
by radiowave
Sat Nov 04, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Lets talk emergency funds and I-bonds
Replies: 23
Views: 2047

Re: Lets talk emergency funds and I-bonds

I wouldn't consider iBonds a first tier for use in an emergency (or planned large expense). My preferences is with high yield savings and short term CDs. I do like the idea of paper treasury bonds, but haven't made the effort to date. Hacking Treasury Direct is a real concern as mentioned above.
by radiowave
Sat Nov 04, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: I came up with a Bond plan.....Good or Bad...you decide
Replies: 19
Views: 1735

Re: I came up with a Bond plan.....Good or Bad...you decide

Sandtrap wrote:
Sat Nov 04, 2017 4:08 pm
Simplicity?
One Bond Fund?
VBMFX (Vanguard Total Bond Market Index Fund Investor Shares) - minimal Expense.
Or Admiral shares for lower ER.
+1 my only bond fund in my retirement account.
by radiowave
Fri Nov 03, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Withdrawing cash from ATM in Ireland this morning
Replies: 13
Views: 1285

Re: Withdrawing cash from ATM in Ireland this morning

If you have time in the morning, may want to just go inside a bank and see if they will give you the Euros using your card (probably more secure as well).
by radiowave
Fri Nov 03, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: CR doesn't like some formerly favored SUVs
Replies: 25
Views: 2854

Re: CR doesn't like some formerly favored SUVs

I don't have access to CR but I am considering a new Honda CR-V or Subaru. Almost bought the EX-L model Honda but the front seats were not comfortable even sitting for a few minutes. What does CR say about either SUV?
by radiowave
Fri Nov 03, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Is Roth Conversion always better than using current income?
Replies: 22
Views: 1678

Re: Is Roth Conversion always better than using current income?

Thanks alvapert, is there a 5 year wait to access the converted TIRA to Roth funds (assuming > 59.5)?
by radiowave
Fri Nov 03, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Having almost 90% of investments with Target Retirement account
Replies: 18
Views: 3654

Re: Having almost 90% of investments with Target Retirement account

Your portfolio is over 90% stock, which most investors cannot handle. Consider the asset allocation carefully and how you might respond to a 40% drop in assets, even if it's temporary. Just for reference, many posters here would recommend maybe 80% max in equity. Paul Another perspective to Paul's ...
by radiowave
Fri Nov 03, 2017 11:36 am
Forum: Investing - Theory, News & General
Topic: Is Roth Conversion always better than using current income?
Replies: 22
Views: 1678

Re: Is Roth Conversion always better than using current income?

What is the annual limit for Roth IRA conversion from TIRA?
by radiowave
Thu Nov 02, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: 3 Admiral funds vs 1 Target fund?
Replies: 10
Views: 822

Re: 3 Admiral funds vs 1 Target fund?

I agree that the VG Target Retirement funds are an excellent way to create a "fire and forget" portfolio at low cost and high diversity. There are two potentially minor issues, the VG TR funds have a significant portion of international bonds, and they cost a few basis points higher than if you just...
by radiowave
Wed Nov 01, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Mom's 403b and Required Minimum Distribution(RMD)
Replies: 9
Views: 659

Re: Mom's 403b and Required Minimum Distribution(RMD)

Have they (you) considered Roth IRA conversion from the 403b?
by radiowave
Tue Oct 31, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Best to harvest Dividends to meet living expenses
Replies: 23
Views: 2115

Re: Best to harvest Dividends to meet living expenses

A small footnote, why not put dividends in a high yield saving account rather than money market? Ally savings is now at 1.25% and an 11 mo no penalty CD ($25k min) is 1.50% (12 mo CD is 1.65%). If you have Vanguard, you can move dividends directly to an external account.
by radiowave
Mon Oct 30, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay off mortgage? Has this ever been asked before?
Replies: 41
Views: 3360

Re: Should I pay off mortgage? Has this ever been asked before?

Teague, one other thing to consider, if you want to downsize in the future and sell your current home, it may be easier to have a mortgage to get another one, rather than pay off your current home and then try to get a mortgage for a future home. We're going through that calculus now even though we'...
by radiowave
Mon Oct 30, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Having almost 90% of investments with Target Retirement account
Replies: 18
Views: 3654

Re: Having almost 90% of investments with Target Retirement account

Target retirement funds in tax deferred and tax free accounts is a good way to simplify your portfolio in a 3/4 fund portfolio with just a slight increase in expense ratio (typically around .10%). you don't have to rebalance and someday when you withdraw in retirement, it's very straightforward. I d...
by radiowave
Sun Oct 29, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay off mortgage? Has this ever been asked before?
Replies: 41
Views: 3360

Re: Should I pay off mortgage? Has this ever been asked before?

Teague, you've got your basic expenses covered in retirement (and congratulations), have a solid emergency fund, and a decent taxable account for rainy day and splurging. If it "aint" broke . . .
by radiowave
Sun Oct 29, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically
Replies: 23
Views: 2579

Re: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically

My $0.02: Set a glide path to lower risk Make a 5 or 10% change now to minimize regret Then glide to 50/50 or so over the next 5 years +1 if you are accumulating in an employer tax deferred account, you can adjust your asset allocation with more conservative, read bonds, on your monthly employer/em...
by radiowave
Thu Oct 26, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Cloud Computing?
Replies: 6
Views: 472

Re: Cloud Computing?

There are other web based "cloud" services like Microsoft OneDrive, dropbox, and box.com that essentially serve as a remote file server. If you only need local, e.g. your house, file storage, then a laptop, desktop with some type of backup would do well. If you need to collaborate with others, then ...
by radiowave
Wed Oct 25, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?
Replies: 27
Views: 1519

Re: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?

Zermatt may be a little out of the way, but excellent hiking, no cars in town.
by radiowave
Wed Oct 25, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Target retirement 2055:VFFVX, FDEWX or SWYJX?
Replies: 3
Views: 382

Re: Target retirement 2055:VFFVX, FDEWX or SWYJX?

There's more to it than just expense ratios - asset allocation, and mix of domestic vs. international stocks - diversity of portfolio as number of stocks/bonds - risk, e.g. does the fund have a high number of B grade or below bonds - match to your IPS (plan) If this is in a 401k or equivalent tax de...
by radiowave
Mon Oct 23, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding Transfer Fee---Will this work?
Replies: 15
Views: 1440

Re: Avoiding Transfer Fee---Will this work?

TrademarkTer wrote:
Sun Oct 22, 2017 1:23 pm
Thanks all! I think I will reverse it.
No fee "pulling" from Ally. You can set up transfer from Ally side, takes about 3 business days. You'll see a hold on BoA first then transfer executes next day. If you are using bill pay at BoA, probably better to be the main deposit for your paycheck.
by radiowave
Mon Oct 23, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds at Age 50?
Replies: 17
Views: 1645

Re: Bonds at Age 50?

Rupert wrote:
Mon Oct 23, 2017 1:59 pm
For what it's worth, I consider age - 20 to be aggressive, age - 10 to be neutral, and age in bonds to be conservative.
+1, we're (DH) age-10 with glidepath to 50/50 in early retirement.
by radiowave
Sun Oct 22, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Transfer of assets from Edward Jones to Vanguard
Replies: 7
Views: 471

Re: Transfer of assets from Edward Jones to Vanguard

I am in the process of getting my money transferred from Edward Jones to Vanguard. The Vanguard representative told me that ot should take about 2 weeks and they will take care of everything. Today I recieved two letters from Vanguard letting me know that some of my assets (18 total) cannot be tran...
by radiowave
Sat Oct 21, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire early?
Replies: 9
Views: 2491

Re: Can I retire early?

OP welcome to the forum.

Have you investigated the cost of health insurance prior to 65? If not, you may be surprised how much it will cost per year for you and your family.
by radiowave
Sat Oct 21, 2017 6:29 pm
Forum: Investing - Theory, News & General
Topic: 401k "only" up 13.5% YTD
Replies: 26
Views: 2631

Re: 401k "only" up 13.5% YTD

Right at 11% YTD on 55/45 portfolio.
by radiowave
Sat Oct 21, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park $100,000 safely for 2-3 years?
Replies: 17
Views: 2549

Re: Where to park $100,000 safely for 2-3 years?

Perkunas wrote:
Sat Oct 21, 2017 7:09 am
. . .

1.5% 11-month, no-penalty CD at Ally. https://www.ally.com/bank/no-penalty-cd/

. . .
Based on the time frame this Ally no penalty CD is about the best option.

Note: this is FDIC insured, she can notloose the principle. Bonds, even treasuries are not insured.
by radiowave
Fri Oct 20, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7411

Re: How many miles/years do you keep your car?

Honda 2004 CR-V, bought new, 12K/yr current 171K, seriously looking at buying a new CR-V
by radiowave
Fri Oct 20, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 164
Views: 14868

Re: Does anyone here with net worths north of $1 mil use financial advisors?

RadAudit wrote:
Fri Oct 20, 2017 5:21 pm
My FA is Bogleheads.org, the books, the wiki ... Their charge for AUM seems reasonable.

Many thanks to all.
+1 :)
by radiowave
Fri Oct 20, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Strategy
Replies: 20
Views: 1699

Re: Emergency Fund Investment Strategy

If you want to keep a CD on a shorter side, Ally has a 1.50% 11mo no EWP CD ($25K minimum).
by radiowave
Thu Oct 19, 2017 9:21 pm
Forum: Investing - Theory, News & General
Topic: For those near retirement and rebalanced to Bonds...
Replies: 34
Views: 3613

Re: For those near retirement and rebalanced to Bonds...

We're about 5-6 years out. On the taxable side, we've been increasing our CD allocation to have 2-3 years worth of expenses covered. On the tax-deferred side, nearly all total bond fund and 401k so this has the effect of slowly raising our bond % to a target aa 50/50 by retirement. Question to the g...
by radiowave
Thu Oct 19, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49390

Re: Retirement Account Stolen by Identity theft

As for withdrawals/distributions, perhaps that could function (hypothetical here, obviously) with some threshold, such as "more than 10% of account" or such. RM For credit cards, you need to set it to any amount from $0.01 on up. The reason is that fraud often starts with a 99 cents charge on Apple...
by radiowave
Mon Oct 16, 2017 4:36 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 107
Views: 7031

Re: How does everyone keep track of your portfolio?

serbeer wrote:
Sun Oct 15, 2017 9:43 pm
Fidelity has FullView tool that allows you to keep track of all accounts, including the ones external to Fidelity
My concern is that Fidelity would have login and password info. If Fidelity got hacked, someone could access your other accounts and wreak havoc.
by radiowave
Mon Oct 16, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Tanzania
Replies: 7
Views: 635

Re: Tanzania

Hi, I took a few nursing students to Arusha a few years ago, working vacation. We did do an extended weekend safari to the Serengeti. We stayed in tents and happened to be there during the migration - a trip of a life time. Be sure to bring a good camera. We didn't hike Kili, but one aspect you may ...
by radiowave
Mon Oct 16, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3268

Re: Buying 2017 Honda CR-V

radiowave, from my review of Truecar.com prices in our area, the EX is not even $3,000 more than the very basic LX. We have always bought EX Hondas because we do not need too many extras, but I gotta believe the extras you get with the EX are a huge improvement over the LX. Go ahead and plurge a li...
by radiowave
Sun Oct 15, 2017 4:17 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 107
Views: 7031

Re: How does everyone keep track of your portfolio?

+1 on Excel as well. I usually update it around the 15th of each month to let expenses and tax deferred account settle. I have a YTD and comparison with prior years tab, a retirement simulator which links to current year, and save each past year worksheet. I have a "what if" simulator to look at dif...
by radiowave
Sat Oct 14, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3268

Re: Buying 2017 Honda CR-V

One thing about the automatic forward braking on the CRV I've noticed, probably same for all or most vehicles that have it. A few times I've had it start to kick in when there is a vehicle turning right in front of me and it hasn't completely cleared the road. Normally, without auto braking you're ...