Search found 2242 matches

by radiowave
Mon Nov 11, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 21
Views: 1371

Re: Snow tires

Love my Blizzaks here in CO (we already are on our third snow, last week nearly a foot on the ground). Don't know Nokian tires so can't make a comparison.
by radiowave
Sat Nov 09, 2019 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America no local branch?
Replies: 14
Views: 716

Re: Bank of America no local branch?

FYI, BoA no longer takes loose coins for deposit. The will take rolled.
by radiowave
Thu Nov 07, 2019 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1202
Views: 146471

Re: Fidelity as a one stop shop

Does it show anywhere on the web page whether your ATM fees will be reimbursed? This is for the investment account, not the CMA. I don’t see that anywhere. You can always just test it out and see what happens. My ATM fees are mostly reimbursed within a few days or a week. I don't have the debit car...
by radiowave
Sat Nov 02, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Anyone here use a fee-only flat fee investment advisor?
Replies: 17
Views: 1606

Re: Anyone here use a fee-only flat fee investment advisor?

Don't want to use one of the AUM advisor since I have a substantial amount to invest. My situation and age makes me need to forgo the going alone role which I current do. I cannot use the Schwab or Vanguard Advisory service since I have a profit sharing plan which is active. Are you looking for an ...
by radiowave
Wed Oct 30, 2019 9:16 pm
Forum: Investing - Theory, News & General
Topic: what was vanguard like before the internet?
Replies: 74
Views: 7296

Re: what was vanguard like before the internet?

Just out of curiosity, I lived in New York City (midtown east Manhattan) from 1978 to 1981. Was there a Vanguard office in NYC I could have gone to with my check?
by radiowave
Tue Oct 22, 2019 7:05 pm
Forum: Personal Investments
Topic: Emergency Fund - why not VTSAX?
Replies: 52
Views: 4753

Re: Emergency Fund - why not VSTAX?

Waw, thanks all for so many answers, they help a lot. I am currently are holding about 30k in my chase account and was about to move it all to VSTAX. But certainly I am also attracted to open an account in Capital One and move it over, they yield generous returns compared to Chase and it is still a...
by radiowave
Mon Oct 14, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9453

Re: Do you carry your passport with you during international travel?

I recently renewed and also got a passport card. I plan to keep my passport card with me while leaving the passport in my lodgings. While I think the card only works for border crossings with Mexico and Canada, it has all the pertinent info on it and I hope would satisfy whatever authority is askin...
by radiowave
Thu Sep 26, 2019 1:42 pm
Forum: Personal Investments
Topic: Where to safely park/invest shorter term cash to maximize returns - a *little* risk is OK
Replies: 27
Views: 3261

Re: Where to safely park/invest shorter term cash to maximize returns - a *little* risk is OK

anon_investor wrote:
Thu Sep 26, 2019 12:47 pm
Safest thing to do is look for no penalty CD. Ally Bank and Marcus both offering 2.10% right now. Aside from that, nothing else is going to guarantee you a rate over 2% and allow you to pull out your money quickly without penalty or risk to principal.
+1
by radiowave
Mon Sep 23, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 57
Views: 9857

Re: Retirement - Living in Colorado

We have been Minnesota residents for over 25 years. Our son (only child) wants to go out of state for college so we toured CO colleges this summer. Loved CSU compared to CU Boulder but son is gravitating towards UCCS (smaller school). We have friends but no family in Minn., nothing holding us back,...
by radiowave
Sat Sep 07, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Best college towns in the Southeastern US for retirees?
Replies: 80
Views: 8885

Re: Best college towns in the Southeastern US for retirees?

One other potential town is Lakeland FL, home to Florida Southern College. Not really a "college town" but worth considering. Half way between Orlando and Tampa, airports about 45-60 min drive. Clearwater beach just over an hour.
by radiowave
Sun Jul 28, 2019 6:12 pm
Forum: Investing - Theory, News & General
Topic: Marcus has "No Penalty CD" @ 2.35%
Replies: 9
Views: 1163

Re: Marcus has "No Penalty CD" @ 2.35%

Ally Bank has a 2.30% no penalty CD ($25k min). If you already have an Ally account, the 0.05% isn't worth the hassle of moving money to another bank.
by radiowave
Fri Jul 19, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Ally Bank [customer service problems]
Replies: 20
Views: 2236

Re: Ally Bank [customer service problems]

No problems here as well. Seems these are intermittent issues that affect some but not all customers so not sure if this is a back end problem on Ally side or local computer/browser issue. OP if you really are not satisfied with Ally, try another online back. Several choices. I had a Discover saving...
by radiowave
Thu Jul 11, 2019 2:52 pm
Forum: Personal Investments
Topic: Access to Fidelity eMoney
Replies: 19
Views: 2144

Re: Access to Fidelity eMoney

What does eMoney give you above and beyond full view?
by radiowave
Fri Jun 28, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 46842

Re: What lifestyle creep made you happier?

Major upgrade to back yard last year, new deck, stone subpatios, irrigation and some planted trees. My wife loves spending time with plants and flowers and what a great peaceful place in the summer to just hang out or look out the window. That is a big financial ticket cost. What pushed you over th...
by radiowave
Sun Jun 16, 2019 9:51 pm
Forum: Personal Investments
Topic: Thinking of leaving Fidelity - where to go?
Replies: 12
Views: 1828

Re: Thinking of leaving Fidelity - where to go?

I had a problem with Quicken downloading some but not all of my transactions (fido and others). The problem was not Fidelity but Quicken so I threw in the towel and gave up on Quicken.
by radiowave
Mon Jun 03, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17626

Re: Fun paid jobs after FIRE

I like this! Fire retreats...is that a real thing? Sounds like where bogleheads would go to retreat. Guaranteed to not cost too much ;) Heck, I've heard that these FIRE people even have their own island. Yah, and promote non-existent concerts, beach villas, super models, etc, then end up in prison....
by radiowave
Thu May 23, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: Keeping old negatives from photos (why keep them?)
Replies: 26
Views: 2347

Re: Keeping old negatives from photos (why keep them?)

Same here (along with some medium and large format negatives). I've been meaning to do some high resolution scans and then get rid of the negatives, maybe this thread will give me the incentive to do that :).

Don't know of any other use.
by radiowave
Wed May 22, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Relocate to Charleston SC?
Replies: 57
Views: 6125

Re: Relocate to Charleston SC?

This post won't be that useful. But, I love Charleston, SC. The food is like the NYC of the south. Better than Seattle and California imo. Folly Beach is fantastic. The humidity is something that most west coast people won't believe, but I think you get used to it. Charleston, SC isn't the "south"....
by radiowave
Tue May 21, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: Delaying social security = harming nest egg?
Replies: 74
Views: 6639

Re: Delaying social security = harming nest egg?

The other issue is the surviving spouse. If he/she has a possibility of longevity, e.g. well into their 90s, and if the higher earner dies first, it may be best strategy to delay SS to 70.
by radiowave
Mon May 13, 2019 7:37 pm
Forum: Personal Investments
Topic: Email to my Edward Jones Rep
Replies: 46
Views: 4539

Re: Email to my Edward Jones Rep

Thank you all for your responses. 29 consistent replies. I will certainly follow the advice and transfer existing funds tomorrow then let him know it's been done. I'm impressed. If I ask my staff if the sky is blue I would get 25 yes and 4 maybe/other. Plus, 29 responses and only 1 bordering on unn...
by radiowave
Mon May 13, 2019 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Asset Allocation in 60s
Replies: 17
Views: 2054

Re: Asset Allocation in 60s

The other consideration on asset allocation is what does x% in bonds provide in retirement, e.g. if you are 50% bonds, how many years will that support at projected expenses?
by radiowave
Sat May 11, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 182
Views: 32567

Re: Cash - Throw it all on the table!!!

Late accumulation phase, bulking up cash position with goal of ~2 years in high yield savings at retirement (2-3 years). Hold 2-3 months in brick and mortar checking, approx 18 months in high yield savings (includes 1 yrs CDs).
by radiowave
Thu May 09, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Starting SS question
Replies: 14
Views: 1651

Re: Starting SS question

Thanks all, very helpful.
by radiowave
Wed May 08, 2019 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Starting SS question
Replies: 14
Views: 1651

Re: Starting SS question

Thanks all, I'm putting in for phased retirement and needed a better idea when set final date. I'm tentative retirement class of 2022 :)
by radiowave
Wed May 08, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Starting SS question
Replies: 14
Views: 1651

Starting SS question

My full retirement age (FRA) is 66 + 4 months. If I delay beyond that but not until 70, does the monthly payment increase by year or is there are monthly adjustment past FRA? E.g. If I retire and take social security at 67 and 10 months vs. 68 and 0 months is there a big jump if I wait the extra 2 m...
by radiowave
Tue May 07, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: What’s in your pocket?
Replies: 22
Views: 2328

Re: What’s in your pocket?

A few years ago I bought one of those Eagle Creek inside pouches with zipper for my wallet with two colored loops that my belt goes through. One of the best purchases I made and I use it every day. I know my wallet is safe rather than sitting in my back pocket with a flimsy button holding it in. You...
by radiowave
Tue May 07, 2019 8:28 pm
Forum: Personal Consumer Issues
Topic: Denver in August
Replies: 21
Views: 1975

Re: Denver in August

Yes, Bear Lake parking fills early. Once it is full, you have to ride a shuttle in from Estes Park, which isn't terrible but it adds a lot of extra time onto your day. My advice is when you visit the Bear Lake area, try to arrive by 7AM so you can drive all the way to the Bear Lake lot. This will s...
by radiowave
Sat May 04, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Denver in August
Replies: 21
Views: 1975

Re: Denver in August

In addition to the great recommendations above, maybe Moab - yeah it's hot but very dry so bring plenty of water and rent a jeep or jeep tour. A couple hours further is Capital Reef NP south to Bryce, then back maybe to Grand Canyon north rim, but that is really stretching things. Another option is ...
by radiowave
Sat May 04, 2019 6:45 pm
Forum: Personal Investments
Topic: Cash Solutions
Replies: 18
Views: 1464

Re: Cash Solutions

Ally Bank has 1 yr CDs at 2.75% FDIC insured.
by radiowave
Thu May 02, 2019 8:43 am
Forum: Personal Investments
Topic: Vanguard Free/Zero Funds
Replies: 43
Views: 4640

Re: Vanguard Free/Zero Funds

I noticed Schwab’s S&P index fund SWPPX has reduced its expense ratio to .02 from .03. Not too long ago it was .09. It does seem like a slow race to zero among companies. But I wonder how many people really care when comparing .04, .03, .02 and 0. I would think most people start looking at the bigg...
by radiowave
Thu May 02, 2019 8:31 am
Forum: Personal Investments
Topic: VTSAX for his and hers?
Replies: 19
Views: 2281

Re: VTSAX for his and hers?

The Roth IRA is tax free so putting VTSAX in both is a reasonable strategy, bonds in 401k makes sense as well. Are you calculating your asset allocation on the entire portfolio for both of you? Tax advantaged and taxable?
by radiowave
Wed May 01, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: Should we go out of state during a painting project?
Replies: 14
Views: 1227

Re: Should we go out of state during a painting project?

Use low VOC paints (e.g. Sherwin Williams).

Are you sure you want to leave your house to a contracted stranger for that period of time??
by radiowave
Wed May 01, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year
Replies: 56
Views: 9022

Re: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year

The "sweet spot" may be living close enough to the beach but outside the initial storm surge, say an hour or two. My spouse and I lived in Chapel Hill, NC for many years and the beach was about 2 hrs and the mountains 2+ hours the other direction so lots of options. BTW, I highly recommend NC beach...
by radiowave
Wed May 01, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year
Replies: 56
Views: 9022

Re: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year

The "sweet spot" may be living close enough to the beach but outside the initial storm surge, say an hour or two. My spouse and I lived in Chapel Hill, NC for many years and the beach was about 2 hrs and the mountains 2+ hours the other direction so lots of options. BTW, I highly recommend NC beaches.
by radiowave
Tue Apr 30, 2019 2:57 pm
Forum: Personal Investments
Topic: Fidelity 401K fund selection help
Replies: 4
Views: 300

Re: Fidelity 401K fund selection help

I'm not clear from your post, what are the expense radios of the Vanguard Index funds? If your Target Date fund ER is 0.05% I'd stay with that if the asset allocation suites your risk profile. The very small difference in the TD vs VG index funds is negligible. TD is buy and hold so nothing you need...
by radiowave
Fri Apr 26, 2019 9:54 pm
Forum: Personal Investments
Topic: Sanity check?
Replies: 11
Views: 1713

Re: Sanity check?

Also would be interested in knowing if there are any other "safe" places to park cash where I might get more yield. Safe and more yield don't belong in the same sentence together. The higher the yield the higher the risk. If you want higher returns you'll have to increase your stock portion, e.g. i...
by radiowave
Wed Apr 24, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Lifestyle creep
Replies: 73
Views: 7967

Re: Lifestyle creep

I wouldn't consider a couple vacations or trips lifestyle creep. Maybe some lumpy discretionary expenses. If your baseline annual expenses increased that much, yes, agree it needs to be addressed.
by radiowave
Wed Apr 24, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Best pillow under $50?
Replies: 33
Views: 2785

Re: Best pillow under $50?

If you need a flat foam pillow (not the puffy down ones or other thick pillows), try http://www.unitedpillow.com/
by radiowave
Mon Apr 22, 2019 7:26 am
Forum: Personal Finance (Not Investing)
Topic: 1st job as an MD- contract review
Replies: 16
Views: 2187

Re: 1st job as an MD- contract review

Who pays for malpractice insurance? Any other stipulations like vacation/sick time, short and long term disability insurance?
by radiowave
Mon Apr 22, 2019 7:18 am
Forum: Non-US Investing
Topic: The urge to go back to stockpicking [Malaysia]
Replies: 25
Views: 1936

Re: The urge to go back to stockpicking

Quit looking at your former investments!
by radiowave
Sun Apr 21, 2019 7:31 pm
Forum: Personal Investments
Topic: Feedback on Retirement Asset Allocation
Replies: 4
Views: 843

Re: Feedback on Retirement Asset Allocation

As nedsaid said (I guess that's a pun), the Vanguard total stocks and bonds funds are about as good as you can get. I would stay far far away from Fisher and Edward Jones. You are in an excellent place. Agree with above, if you are only taking out $1k I would recommend an asset allocation around 50/...
by radiowave
Sun Apr 21, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Montana / Wyoming Summer Trip Ideas
Replies: 29
Views: 2570

Re: Montana / Wyoming Summer Trip Ideas

A couple summers ago in July, we stayed in Big Sky MT. Left early and got to the West Yellowstone entrance around 7AM, very quiet, drove through the park and was not overly crowded just a few buses. Got to Old Faithful at around 9, not too crowded yet, by the time i drove out the South entrance arou...
by radiowave
Sun Apr 21, 2019 8:34 am
Forum: Investing - Theory, News & General
Topic: Career Advice: Is active management really dying?
Replies: 28
Views: 3391

Re: Career Advice: Is active management really dying?

Travelgeek - your comments are on par with the only thing keeping me from doing this. The way I see it, both hold true. It is definitely true that hiring an FA is expensive and many people would never pay for one, but it is also true that some don't care, and are willing to pay for the ongoing advi...
by radiowave
Sun Apr 21, 2019 8:17 am
Forum: Investing - Theory, News & General
Topic: Re-Examining an assumption: 45% bonds in retirement?
Replies: 95
Views: 12243

Re: Re-Examining an assumption: 45% bonds in retirement?

If you would match your bond allocation to your liabilities (your income needed in retirement), then it wouldn’t matter if interest rates stayed the same, increased, or decreased. If you are not familiar with the concept of liability matching, then myself or plenty others can help. +1 I look at my ...
by radiowave
Sun Apr 14, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: Walking shoes
Replies: 33
Views: 2465

Re: Walking shoes

Socks are an important consideration as well. I use both an inner light wool or silk sock and a medium weight rag or smart wool sock (REI for both). That helps absorb some of the trauma on your feet. Vibram soles are rugged and work well on rough surfaces.
by radiowave
Sun Apr 14, 2019 8:05 pm
Forum: Personal Investments
Topic: Where to hold 2-3 years of living expenses
Replies: 28
Views: 5861

Re: Where to hold 2-3 years of living expenses

I primarily use CDs for short term cash. Ally currently has a 2.75% 1 year CD which keeps up with inflation.
by radiowave
Tue Apr 02, 2019 7:17 pm
Forum: Personal Investments
Topic: A CD matured. Now what?
Replies: 13
Views: 2381

Re: A CD matured. Now what?

sport wrote:
Tue Apr 02, 2019 7:10 pm
radiowave wrote:
Tue Apr 02, 2019 6:58 pm
Vanguard's best yields for 1, 2 and 3 year CD's are 2.35%, 2.40% and 2.45%.
Actually the yields are 2.35%, 2.45%, and 2.60%. The column headings are wrong.
You misquoted me :oops:
by radiowave
Tue Apr 02, 2019 6:58 pm
Forum: Personal Investments
Topic: A CD matured. Now what?
Replies: 13
Views: 2381

Re: A CD matured. Now what?

You could put the cash in a Treasury Bill (available at VG) or another CD? Based on your post, I would stay short term, e.g. 1 year or so.
by radiowave
Tue Apr 02, 2019 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: What is Financial Independence (FI) in the simplest terms?
Replies: 80
Views: 5434

Re: What is Financial Independence (FI) in the simplest terms?

Mr.BB wrote:
Tue Apr 02, 2019 6:53 pm
FI = Doing what you want, when you want.
That sounds like being retired? Is there a difference between being FI and being retired?
by radiowave
Tue Apr 02, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 35224

Re: "The best and worst U.S. states for retirement"

It is true that parts of Florida are gorgeous and the weather is terrific. Regarding the weather - that is somewhat up for debate (although I realize many might agree with you). Personally - Florida is one of the last places I would want to live year round because of the weather. I can't stand the ...