Search found 2366 matches

by radiowave
Fri Sep 18, 2020 6:18 pm
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 44
Views: 2853

Re: Relocation - CO considerations?

The only thing I regret in my 7 years here in Denver metro is not coming here 20-30 years ago. Most of the main points are covered above. With raising a family, schools will be important so consider that in your housing search. Douglas County has a reputation for excellent schools but is 30-45+ min ...
by radiowave
Tue Sep 15, 2020 10:53 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 93
Views: 7331

Re: Should I buy a new rice cooker from Zojirushi?

Bought a Zojirushi griddle a few months ago. Very satisfied with the build quality and overall even heating. Works great for a lot of vegetables and meats, pancakes, french toast, sausage, etc. Don't think you can do rice in it however.
by radiowave
Fri Sep 11, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pending Medicare question
Replies: 5
Views: 786

Re: Pending Medicare question

We're in an HMO now so no HDP/HSA.

I'm still a little confused . . .
if sign up for Part A early next year, do I have to reapply for Part B next summer when I retire or can I sign up for both in Jan and defer Part B?
by radiowave
Thu Sep 10, 2020 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Pending Medicare question
Replies: 5
Views: 786

Re: Pending Medicare question

RM thanks. I'm at a university so have Kaiser coverage until I retire. Thanks for the tip on the form. I vaguely remember getting one
by radiowave
Thu Sep 10, 2020 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Pending Medicare question
Replies: 5
Views: 786

Pending Medicare question

I'll be 65 early next year and will file for Part A Medicare in a few months. I will be working full time and receiving health care benefits until I retire later in the year (summer probably). I will also be filling for social security when I retire. I'm not clear whether I need to reapply for Part ...
by radiowave
Wed Sep 09, 2020 9:03 pm
Forum: Personal Consumer Issues
Topic: Saving on flight schools!
Replies: 20
Views: 1916

Re: Saving on flight schools!

Agree with the above. A few other "tips". Get a scanner capable of monitoring aviation frequencies and listen a lot to get a better understanding of standard ATC (air traffic control) phraseology, approach and departure procedures, etc. Get familiar with area navigation and weather. Learn types of a...
by radiowave
Wed Sep 09, 2020 9:23 am
Forum: Personal Investments
Topic: Personal Finance Advice for New PhD
Replies: 26
Views: 2241

Re: Personal Finance Advice for New PhD

Assuming you are considering a career in academia, one of the best long term investments is achieving tenure.
by radiowave
Mon Sep 07, 2020 9:29 pm
Forum: Personal Investments
Topic: bbva brokerage
Replies: 15
Views: 931

Re: bbva brokerage

Housedoc wrote: Mon Sep 07, 2020 5:54 pm Tell mama BBVA is a foreign owned bank. Try to find a brick and mortar Fidelity or Schwab location. Better rates and choices.
While Fidelity and Schwab both have an online bank, you can't go down to a local branch and expect bank like services, e.g. deposit cash, safe deposit box, etc.
by radiowave
Sun Sep 06, 2020 9:48 am
Forum: Personal Investments
Topic: Leaving EJ for Vanguard, looking for advice on asset allocation [Portfolio Review]
Replies: 23
Views: 1612

Re: Leaving EJ for Vanguard, looking for advice on asset allocation [Portfolio Review]

Why do you have a 401K manager? Seems like you should just identify the investments and contribution as automatic each paycheck. I'd dump the "manager" and do it all yourself.
by radiowave
Sun Sep 06, 2020 9:33 am
Forum: Non-US Investing
Topic: How will you describe your investing journey so far?
Replies: 51
Views: 3468

Re: How will you describe your investing journey so far?

ditto to all above. One other aspect of the "Boglehead philosophy" is living below your means. The practical points are avoiding major debt (except mortgage) as you can't invest if you are in debt and saving 15% or more of your salary each year. Also, keep your portfolio simple, diversified, and low...
by radiowave
Sun Sep 06, 2020 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab - account aggregation
Replies: 28
Views: 2060

Re: CHARLES SCHWAB - ACCOUNT AGGREGATION

I don't have Schwab, but have other accounts at brokerages often mentioned here on the forum. I don't aggregate my investments as I feel that is a security risk. You will have to give login and password data that could be hacked. I have a spreadsheet that I track my investments across multiple broke...
by radiowave
Thu Sep 03, 2020 6:08 pm
Forum: Investing - Theory, News & General
Topic: Buying funds in fidelity - need to transfer money to cash account first?
Replies: 22
Views: 1317

Re: Buying funds in fidelity - need to transfer money to cash account first?

That's been my experience, you have to move the funds to the Fidelity account first, for a one time purchase.
by radiowave
Thu Sep 03, 2020 10:50 am
Forum: Investing - Theory, News & General
Topic: Moving my wife's investments to Schwab?
Replies: 64
Views: 4168

Re: Moving my wife's investments to Schwab?

Schwab has some target date retirement funds for 0.08% (8 basis points). See https://www.schwabfunds.com/node/3946 that may be worthwhile. Set and forget and no financial advisor needed. And here is a list of the low cost mutual funds: https://www.schwab.com/public/schwab/investing/investment_help/i...
by radiowave
Tue Sep 01, 2020 2:44 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 14628

Re: What is your age and asset allocation ?

Mid 60s couple, AA 52/47/1 (stock/bond/cash) plan to retire in 1 year or less with AA about 50/50 as we cross the finish line. SSx2 and pensions x 2 will cover base expenses in retirement.
by radiowave
Sun Aug 30, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 278
Views: 23984

Re: Oddly Difficult to Find Items During the Pandemic

The local King Supers Soopers (Kroger) is no longer stocking Private Selection pasta for some reason, not available anywhere?? Fixed that for you (familiar with them, ages ago, when in Denver metro area, long before they were bought out by Kroger.... Kroger also has the brand "City Market" (see are...
by radiowave
Thu Aug 27, 2020 1:44 pm
Forum: Investing - Theory, News & General
Topic: Whose being naughty and keeping some dry powder around?
Replies: 110
Views: 9204

Re: Whose being naughty and keeping some dry powder around?

Yep, building up our dry power stores but for transition to retirement and buying a new retirement home next year, not for timing the market.
by radiowave
Tue Aug 25, 2020 2:43 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 55
Views: 5816

Re: Roll Call for the Retirement Class of 2021!

Well I'm about 2 years to full retirement age. Health care will be covered mid year 2021 to cross the finish line. Major consideration is spouse who is 2 years younger. I love what I'm doing, enjoy working with students (academic position), want to finish strong this coming year. So the question re...
by radiowave
Mon Aug 24, 2020 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Chase BillPay
Replies: 9
Views: 1028

Re: Fidelity vs. Chase BillPay

While I’m not concerned about when the funds get withdrawn, I would want to be able to get images of the cashed check online. With my current bank, I have to call in to get the image to show check was cashed. Which banks or brokerages offer online images of billpay issued checks? Thanks. Bank of Am...
by radiowave
Sun Aug 23, 2020 9:24 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 55
Views: 5816

Re: Roll Call for the Retirement Class of 2021!

I considered an early retirement package for this summer, but decided to do one more year (OMY). Been a health care professional for 40 years and felt I wanted to just finish a few things and enjoy the upcoming year. An early retirement ... professional for 40 years ! How to qualify for a late reti...
by radiowave
Sun Aug 23, 2020 7:17 pm
Forum: Personal Investments
Topic: Rollover my 401k or not?
Replies: 16
Views: 956

Re: Rollover my 401k or not?

OP What are all your choices in the new 401 and their respective expense ratios?
by radiowave
Thu Aug 20, 2020 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Chase BillPay
Replies: 9
Views: 1028

Re: Fidelity vs. Chase BillPay

FYI, I had Fidelity bill pay cut a check each month for mortgage payment. Two years ago I got a call from my mortgage lender that they never received payment. Apparently the check was never sent. Fidelity paid the $80 late fee, fortunately I did not get a hit on my credit report. I have since switch...
by radiowave
Wed Aug 19, 2020 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Jitters Anyone ??
Replies: 87
Views: 6692

Re: Social Security Jitters Anyone ??

I'm in my one more year (OMY) phase towards retirement next summer. My spouse and I plan on drawing SS at that time rather than waiting until 70. SS x2 along with two small pensions meet our yearly expenses after taxes. Yes, I've looked at the numbers about waiting until 70 and of course that increa...
by radiowave
Tue Aug 18, 2020 9:44 pm
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15246

Re: Products that last forever

Not sure if this counts, but . . . my grandfather was a retired Navy chief petty officer and he "borrowed" a vise from an early 1920s destroyer. It's been in the family ever since. If I dropped it on my foot it would do serious damage. It's almost 100 years old and still working well.
by radiowave
Wed Aug 12, 2020 11:06 am
Forum: Investing - Theory, News & General
Topic: Where to put cash - MM, Sav, CD, Sweep, Muni, Bond
Replies: 11
Views: 2066

Re: Where to put cash - MM, Sav, CD, Sweep, Muni, Bond

Ally no-penalty CDs are as good a place as any these days. Wish I would have locked in that 2.75% 5 year CD last year - oh well.
by radiowave
Tue Aug 11, 2020 11:36 am
Forum: Personal Investments
Topic: Simplify Retirement Plan Allocations (18 funds to 3 or 4)
Replies: 16
Views: 1190

Re: Simplify Retirement Plan Allocations (18 funds to 3 or 4)

Welcome to the forum :) . For a three-fund type portfolio portfolio you could use these funds: 1) Vanguard 500 Index Fund Admiral (over 80% of U.S. stock market) (VFIAX) ER 0.04% 2) American Funds EuroPacific Growth Fund - R6 (both developed and emerging markets) (RERGX) ER 0.49% 3)Vanguard Total B...
by radiowave
Tue Aug 11, 2020 10:12 am
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 278
Views: 23984

Re: Oddly Difficult to Find Items During the Pandemic

The local King Supers (Kroger) is no longer stocking Private Selection pasta for some reason, not available anywhere??
by radiowave
Mon Aug 10, 2020 11:08 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 55
Views: 5816

Re: Roll Call for the Retirement Class of 2021!

I would like to submit my candidacy for the Retirement Class of 2021 :) I considered an early retirement package for this summer, but decided to do one more year (OMY). Been a health care professional for 40 years and felt I wanted to just finish a few things and enjoy the upcoming year. I'll be Med...
by radiowave
Sun Aug 09, 2020 6:50 pm
Forum: Personal Investments
Topic: Newly retired seeking an investment & cash flow plan
Replies: 18
Views: 1993

Re: Newly retired seeking an investment & cash flow plan

Octavia, welcome! It would help if you listed all of your funds, the percent total funds, and the respective expense ratios. If you are considering moving from your active managed account, three low cost brokerages are typically recommended here on the forum: Vanguard, Fidelity, and Schwab. There's ...
by radiowave
Thu Aug 06, 2020 7:56 pm
Forum: Personal Investments
Topic: Is Vanguard still good?
Replies: 42
Views: 3337

Re: Is Vanguard still good?

OP if you like mutual funds, Vanguard has some excellent choices. If you are a buy and hold investor, VG is a good choice. If you are also looking for cash management solutions, integrated credit card, and a broker with a local office, Fidelity and Schwab are often recommend on the forum.
by radiowave
Thu Aug 06, 2020 12:41 pm
Forum: Personal Investments
Topic: Best Brokerage for buying VG/Fido/? MF Without Fees?
Replies: 11
Views: 588

Re: Best Brokerage for buying VG/Fido/? MF Without Fees?

A couple years ago I had a Merrill Edge account linked to BoA. I could purchase Vanguard funds, e.g. Total Stock VTSAX with a purchase price of I think around $26 but no additional fees or added expenses. If you are a buy and hold Boglehead, may be reasonable alternative.
by radiowave
Thu Aug 06, 2020 12:34 pm
Forum: Personal Investments
Topic: Help my Aunt decide on Edward Jones or somewhere else
Replies: 55
Views: 3182

Re: Help my Aunt decide on Edward Jones or somewhere else

OP, my dad was at EJ and when he died and I was working through his investments I was heartbroken at the expensive and chaotic funds he was in. His financial advisor was his grandaughter's husband. Yes, nice guy and he took his family on several all expense paid trips to very nice places. That money...
by radiowave
Thu Aug 06, 2020 11:12 am
Forum: Personal Investments
Topic: Help my Aunt decide on Edward Jones or somewhere else
Replies: 55
Views: 3182

Re: Help my Aunt decide on Edward Jones or somewhere else

OP, if you look at the past Edward Jones threads here on Bogleheads.org and look at the dozens of portfolios posted, you will see a substantial and confusing number of overlapping funds in each account, high expense ratios, funds that have 4-5% front end loads, and an annual AUM fee of 1.35%. Add th...
by radiowave
Tue Aug 04, 2020 6:07 pm
Forum: Personal Consumer Issues
Topic: Average gas mileage- how accurate?
Replies: 35
Views: 1747

Re: Average gas mileage- how accurate?

I have been tracking every gas fill since Dec 2017 when I bought a new Honda Pilot SUV. I am the sole driver. I reset the trip MPG each full fill (I always fill the tank) and track actual MPG (total gallons at fill/miles since last fill) versus the trip MPG for each fill. The trip MPG has been consi...
by radiowave
Mon Jul 27, 2020 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Alternative?
Replies: 63
Views: 7661

Re: Ally Bank Alternative?

. . . It is bill pay related. I had scheduled a physical check to go out in advance but Ally stated that USPS returned it due to an incorrect address. I have confirmed the address with the receiver as correct. They did mention that there were others that are affected by this bill pay issue. I've se...
by radiowave
Mon Jul 27, 2020 11:57 am
Forum: Personal Investments
Topic: Portfolio review: Asset allocation and future pension choices
Replies: 15
Views: 1333

Re: Portfolio review: Asset allocation and future pension choices

OP, agree with above strategies, keep things simple, keep costs low, diversity as much as possible.You are lucky to have the low cost Vanguard funds in your 401k. Consolidating the taxable account will likely result in capital gains tax, but worth considering for long term benefits. Here is a link t...
by radiowave
Sat Jul 25, 2020 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Alternative?
Replies: 63
Views: 7661

Re: Ally Bank Alternative?

. . . If you don't mind, can you share why you want to switch? Perhaps, the issue you had is not ally specific. You may experience the same issue with another online bank. I had a paper check payment returned to them by usps and they redeposited the money back to my account. The call was excessivel...
by radiowave
Fri Jul 24, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: Family expanding - Time for a 3 row SUV
Replies: 69
Views: 3866

Re: Family expanding - Time for a 3 row SUV

I have a late 2017 Honda Pilot, bought new. Zero problems last 3+ years. It does very well in CO winters w AWD (front range, Denver metro area and environs). I'm getting about 23 MPG local, 26-30 MPG long distance depending on terrain (we have a few hills here in CO). Good visibility, easy third row...
by radiowave
Fri Jul 24, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bank autocancelled my cc - should I drop the bank?
Replies: 21
Views: 2357

Re: Bank autocancelled my cc - should I drop the bank?

Fallible wrote: Fri Jul 24, 2020 1:24 pm Did the bank let you know earlier in some way that your card might be canceled due to inactivity?
No, that's what is annoying. I would have made some small purchases if I had a head's up about inactivity.
by radiowave
Fri Jul 24, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Bank autocancelled my cc - should I drop the bank?
Replies: 21
Views: 2357

Bank autocancelled my cc - should I drop the bank?

I had a non-rewards credit card at BoA for almost 20 years, mostly kept it for the credit history. Well BoA auto just cancelled that card due to lack of activity and won't reinstate it. 1. will that ding my perfect credit score? 2. Should I just drop BoA and use another local bank (closest BoA branc...
by radiowave
Wed Jul 22, 2020 7:11 pm
Forum: Personal Investments
Topic: What is your game plan as market is reaching its previous all time high?
Replies: 174
Views: 18599

Re: What is your game plan as market is reaching its previous all time high?

What is your game plan as market is reaching its previous all time high?
Follow my IPS as I always do. Stock high has no bearing, I've got a good plan in place will rebalance when I reach my band limits.
by radiowave
Sun Jul 19, 2020 1:52 pm
Forum: Personal Consumer Issues
Topic: Recommend 3 southern locales to retire!
Replies: 86
Views: 9723

Re: Recommend 3 southern locales to retire!

I'll give my top 3 of places I have lived or close family that I spent much time with: 1. Charleston SC: beach is right there and Medical University of South Carolina University hospital in city proper. Pros - health care, low taxes, excellent healthcare, plenty of history, excellent restaurants, wo...
by radiowave
Sun Jul 19, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Electrical upgrades for a new build home
Replies: 60
Views: 4071

Re: Electrical upgrades for a new build home

-If you want to consider adding home automation switches or receptacles, which require some type of home automation computer, you might ask to install extra deep, sometimes called jumbo, junction boxes in the wall. The home automation switches tend to be a bit deeper than normal switches and recepta...
by radiowave
Sun Jul 12, 2020 1:21 pm
Forum: Personal Investments
Topic: Funds for Cash Reserve
Replies: 11
Views: 830

Re: Funds for Cash Reserve

Unfortunately that is about the best you'll do in the current environment. You may find a tenth of a percent higher with other online banks or short term bond funds. Probably not worth the effort to move cash around IMHO. Even the no withdrawal penalty CDs at Ally are less than the savings rate righ...
by radiowave
Sat Jul 04, 2020 9:06 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 892
Views: 53267

Re: What are you listening to now

been listening to Cold Play, pretty much everything from the late 90's. The more I listen the more I realize this is not your average rock band. Four really talented musicians with a lot to say in lyrics. This all started last year on a flight home and I found a video of their Sao Paulo concert - ju...
by radiowave
Wed Jun 10, 2020 10:21 pm
Forum: Personal Consumer Issues
Topic: New construction house - what to consider?
Replies: 161
Views: 10202

Re: New construction house - what to consider?

Just a few more items to add: - slop sink in the garage if possible otherwise in mud room - extra deep (sometimes calls jumbo) electrical junction boxes. If you want to do home automation, you'll be very glad you have the extra depth. Also need neutral wire in each switch box to run the automation s...
by radiowave
Tue May 26, 2020 5:45 pm
Forum: Personal Investments
Topic: Rebalancing - More VTSAX, less VBTLX
Replies: 18
Views: 797

Re: Rebalancing - More VTSAX, less VBTLX

OP, if I understand your initial post, you have $118k in tax deferred which is 28.8% of your $410k Vanguard funds. What is in the other 71.2% of your portfolio?
by radiowave
Sat May 23, 2020 8:17 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 92
Views: 7658

Re: Has anyone ever used their Emergency Fund?

Another BH who doesn't have a dedicated "emergency fund" but a mix of cash instruments and total stock funds in taxable accounts consisting of online savings (checking, saving & CDs) + taxable brokerage account (total stock + treasury bonds). We live below our means so after tax deferred savings eac...
by radiowave
Wed May 20, 2020 2:32 pm
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 94
Views: 10629

Re: Where to park cash in Fidelity?

rascott wrote: Wed May 20, 2020 10:08 am
I recall seeing a general list of fund families they offered. But having trouble finding it.

There something specific you are looking for?

Well if I could get Vanguard total stock VTSAX at VG expense ratio, that would be great.