Search found 2319 matches

by radiowave
Tue May 26, 2020 5:45 pm
Forum: Personal Investments
Topic: Rebalancing - More VTSAX, less VBTLX
Replies: 18
Views: 745

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: 7145

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: 62
Views: 6084

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.
by radiowave
Wed May 20, 2020 9:15 am
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 62
Views: 6084

Re: Where to park cash in Fidelity?

Yes, market rates are extremely low. No good options at a brokerage. Banks are offering significantly higher yields currently (although they're falling too, just slower). I had been consolidating things at Fidelity, but with the current disparity between high yield bank accounts and money market fu...
by radiowave
Tue May 19, 2020 11:41 am
Forum: Personal Investments
Topic: Best place to hold 100k emergency fund?
Replies: 25
Views: 2333

Re: Best place to hold 100k emergency fund?

anon_investor wrote:
Tue May 19, 2020 11:23 am
No penalty CDs. Ally Bank, Marcus and CIT Bank all have them.
+1
by radiowave
Sun May 17, 2020 5:05 pm
Forum: Personal Consumer Issues
Topic: Beach Vacation Suggestions
Replies: 31
Views: 2399

Re: Beach Vacation Suggestions

If all you want to do is hang out at the beach, our favorite is Topsail Beach, NC abt 30 min north of Wilmington. That was our go to beach when we lived in Chapel Hill. Second option not mentioned is Charleston SC. Beaches north and south of the city, easy drive into Charleston with a unique histori...
by radiowave
Thu May 14, 2020 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12072

Re: Selling home - low ball negotiation

OP you may want to do your own home inspection so you know what may come up from a prospective buyer. We did that several years ago and it helped identify things we didn't know/see. You can present that to the prospective owner and say you'll fix X but other items are cosmetic and won't fix those. S...
by radiowave
Thu May 14, 2020 5:23 pm
Forum: Investing - Theory, News & General
Topic: Fixed Income lessons learned from Coronavirus?
Replies: 48
Views: 4258

Re: Fixed Income lessons learned from Coronavirus?

Last 2 months has been a stress test of my retirement portfolio, 50/50, 2-3 mo cash, Total Bond in tax-deferred and Total stock in taxable and some tax deferred. My equity portion dipped below 50% in March but has since increased and total losses YTD just below 1%. I'm pretty satisfied how the portf...
by radiowave
Tue May 12, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: How to visit all the US national parks
Replies: 19
Views: 2110

Re: How to visit all the US national parks

Rocky Mountain Natnl Park is exceptional in the winter time. I've snow shoe'd there in a blizzard in Dec and the park was nearly empty.
by radiowave
Tue May 12, 2020 8:09 am
Forum: Personal Investments
Topic: Ally Bank 1.25% savings .50 Moneymarket
Replies: 26
Views: 3660

Re: Ally Bank 1.25% savings .50 Moneymarket

Tamales wrote:
Tue May 12, 2020 8:07 am
NP CD now shows as 1.30%
I was able to get 1.45% NP CD last night after I got the email. I give Ally credit for letting customers know ahead of time about the rate decrease.
by radiowave
Sat May 09, 2020 1:37 pm
Forum: Personal Investments
Topic: Vanguard IRA Question
Replies: 3
Views: 296

Re: Vanguard IRA Question

Hi, welcome to the forum. I'm assuming these are all in a rollover IRA at Vanguard. Only 2 ETFs are in Vanguard funds. You will have to sell all non Vanguard funds then use the cash to purchase your Vanguard total stock and total international stock funds. I would recommend you use the mutual fund v...
by radiowave
Fri May 08, 2020 2:20 pm
Forum: Personal Investments
Topic: Concerned Investor.
Replies: 26
Views: 4580

Re: Concerned Investor.

Should i trim down my portfolio into a 3 fund? 80% total stock market 15% total int. stock 5% total bond market fund or am i better off going the PAS route? thanks Agree with Taylor and dbr, keep things simple Vanguard Total Stock VTSAX Vanguard Total Bond VBTLX Vanguard Total International Stock V...
by radiowave
Fri May 08, 2020 2:11 pm
Forum: Forum Issues and Administration
Topic: Thank you, moderators!
Replies: 46
Views: 2674

Re: Thank you, moderators!

+1 thanks to all our moderators for a job well done. This is my favorite online watering hole :)
by radiowave
Thu May 07, 2020 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: keep emergency cash at local bank?
Replies: 26
Views: 1229

Re: keep emergency cash at local bank?

Which online banks have ATM cards? I have onine savings accounts with Marcus and Barclays. You can still get an ATM only debit card from Bank of America. Note, I agree with the comments above that an online bank will give you better return for your cash like Ally. Have separate checking and savings...
by radiowave
Tue May 05, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Keep debit card locked at all times?
Replies: 36
Views: 2732

Re: Keep debit card locked at all times?

One other strategy if you want to isolate access to your accounts if a debit/ATM card is compromised, is to link it to a separate account and only keep a small amount of cash in that account. This allows cash withdrawal and if you wish small debit card purchases. If hacked, yes it's a pain to get yo...
by radiowave
Mon May 04, 2020 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Keep debit card locked at all times?
Replies: 36
Views: 2732

Re: Keep debit card locked at all times?

Bank of America still has an ATM only card. I do have other debit cards that I didn't need/want and never use them for any purchases for exactly the reason you are experiencing.
by radiowave
Thu Apr 30, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6598

Re: Has your budget changed? What items have you cut out?

I usually fill my vehicle tank 4 times a month, April only once since I'm working from home. No eating out or takeout meals for past 6 weeks (including lunch at work). Estimated savings for April about 1K, likely will continue this way through summer and no vacation (was planning a trip to Australia...
by radiowave
Tue Apr 07, 2020 9:28 pm
Forum: Personal Investments
Topic: Probability of V shaped Rebound in Stocks
Replies: 82
Views: 7647

Re: Probability of V shaped Rebound in Stocks

I have no idea what the stock market will do in the near term future (to the end of the year). So OP if your collecting data, I'm a null value. However, I'll quote Livesoft that we'll know things are getting better when there is toilet paper on the shelves :)
by radiowave
Mon Mar 30, 2020 7:59 pm
Forum: Personal Investments
Topic: Fidelity -> Vanguard
Replies: 6
Views: 959

Fidelity -> Vanguard

Does anyone know if I can do a direct transfer from a Fidelity taxable account to a Vanguard taxable account of assets e.g. I want to move Fidelity total international to Vanguard in kind the sell/buy vanguard total international?

thanks as always.
by radiowave
Sat Mar 28, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Where to park my money
Replies: 9
Views: 1156

Re: Where to park my money

Consider a short term no early withdrawal penalty CD, you'll lock the rate in for 11 months. See Ally.com
by radiowave
Fri Mar 27, 2020 5:44 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard only allow ETF accounts now?
Replies: 17
Views: 1419

Re: Does Vanguard only allow ETF accounts now?

You can buy Vanguard mutual funds in the brokerage account.
by radiowave
Fri Mar 20, 2020 10:13 pm
Forum: Personal Investments
Topic: Lock loss or ride the wave with 15 years to go?
Replies: 62
Views: 4309

Re: Lock loss or ride the wave with 15 years to go?

OP stop looking at your portfolio.
by radiowave
Sat Mar 07, 2020 8:42 pm
Forum: Personal Investments
Topic: Living off dividends in retirement?
Replies: 106
Views: 8036

Re: Living off dividends in retirement?

I would rather explicitly control how much I withdraw from my portfolio and what the tax consequences are than take potluck on what dividends arrive or mess around shifting investments here and there to get dividends. Spending is not usually constant. I think a collection of only thirty individual ...
by radiowave
Thu Mar 05, 2020 10:18 pm
Forum: Personal Consumer Issues
Topic: How is this possible? Is Alexa spying on me?
Replies: 110
Views: 8153

Re: How is this possible? Is Alexa spying on me?

calmaniac wrote:
Thu Mar 05, 2020 8:45 pm
Just wait til Alexa tells you she can't open the pod bay doors.
ROFL - thanks just made my night :)
by radiowave
Thu Feb 27, 2020 4:25 pm
Forum: Personal Investments
Topic: Million in Cash, Buy in? What would you do?
Replies: 78
Views: 6698

Re: Million in Cash, Buy in? What would you do?

What does your IPS (investment policy statement) say? If you don't have a plan, you may want to craft one now before you make any financial or investment decisions. then follow your plan.
by radiowave
Sun Feb 23, 2020 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Online bank recommendations
Replies: 28
Views: 2260

Re: Online bank recommendations

Another vote for Ally.
by radiowave
Mon Feb 10, 2020 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Online bank recommendations
Replies: 8
Views: 1031

Re: Online bank recommendations

Ally Bank
by radiowave
Mon Feb 03, 2020 1:43 pm
Forum: Personal Investments
Topic: Bonds vs CDs vs Mortgage vs Savings
Replies: 5
Views: 728

Re: Bonds vs CDs vs Mortgage vs Savings

. . . 3. Also, if no-penalty CD is 1.85% v savings of 1.60% for Ally Bank, does it make sense to hold almost all cash in no-penalty CDs and have a minimum in savings for regular expenses? And may be use a 1yr-CD(2%) for emergency fund than savings account or no-penalty CD. Thank you for your guidan...
by radiowave
Tue Jan 28, 2020 8:20 pm
Forum: Investing - Theory, News & General
Topic: In kind transfer from TIAA
Replies: 12
Views: 778

Re: In kind transfer from TIAA

I could possibly transfer the TIAA account to a TIAA Rollover IRA if allowable, then move it to VG (or maybe Fidelity). This might work out. A google search for "in-kind transfer site:tiaa.org" turned up this form. https://www.tiaa.org/public/pdf/forms/F11043.pdf Here's some interesting fine print ...
by radiowave
Tue Jan 28, 2020 8:17 pm
Forum: Personal Investments
Topic: Can I Dump My Emergency Fund?
Replies: 128
Views: 11275

Re: Can I Dump My Emergency Fund?

How much do you need in an "emergency"? What if your investments dropped by 20-40-50%? Discussion on the forum re emergency fund centers around safe assets that can be liquidated when needed. If you have a total stock fund, that may not be the safest investment when you might need the funds, e.g. ge...
by radiowave
Sun Jan 26, 2020 7:35 pm
Forum: Investing - Theory, News & General
Topic: In kind transfer from TIAA
Replies: 12
Views: 778

Re: In kind transfer from TIAA

. . . I suspect the problem is with the "from an Employer Plan (e.g., 403b) to an IRA (or taxable)", but I'm not sure of the reason. We have been able to transfer "in kind" from an IRA to a taxable account (both at Schwab). However, we were not able to transfer "in kind" from a 403b to an IRA (both...
by radiowave
Sun Jan 26, 2020 3:24 pm
Forum: Investing - Theory, News & General
Topic: In kind transfer from TIAA
Replies: 12
Views: 778

Re: In kind transfer from TIAA

The best authority about the transfer of a workplace account would be the employer and TIAA. From what I've read and my own experience the typical procedure is to liquidate the assets in the workplace account (401K etc) and send a check (payable either to the new custodian or the employee (with tax...
by radiowave
Sun Jan 26, 2020 9:19 am
Forum: Investing - Theory, News & General
Topic: In kind transfer from TIAA
Replies: 12
Views: 778

Re: In kind transfer from TIAA

The best authority about the transfer of a workplace account would be the employer and TIAA. From what I've read and my own experience the typical procedure is to liquidate the assets in the workplace account (401K etc) and send a check (payable either to the new custodian or the employee (with tax...
by radiowave
Fri Jan 24, 2020 3:51 pm
Forum: Investing - Theory, News & General
Topic: In kind transfer from TIAA
Replies: 12
Views: 778

In kind transfer from TIAA

Does anyone know it TIAA can directly transfer assets in kind to another broker like Vanguard or Fidelity? I'm having a long drawn out discussion through employer - I want to transfer a vanguard fund (total bond) from TIAA to VG. I keep getting that TIAA is not able to do this so I'm just checking w...
by radiowave
Fri Jan 10, 2020 12:04 am
Forum: Personal Investments
Topic: Should I be investing in bonds in my Roth IRA
Replies: 6
Views: 744

Re: Should I be investing in bonds in my Roth IRA

I'm holding exclusively total bond mutual fund in Roth IRA
by radiowave
Wed Jan 08, 2020 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 79510

Re: Fidelity Free Turbotax 2019

So it says I'm Fidelity Premium Services and have a person assigned to me (picture and phone number). I don't see anything about Private Client? Is this the same thing.

BTW I do have a link to free Turbo Tax but the link is broken (using Firefox browser).
by radiowave
Mon Jan 06, 2020 10:39 pm
Forum: Personal Investments
Topic: moving funds to Vanguard rIRA in kind
Replies: 8
Views: 435

Re: moving funds to Vanguard rIRA in kind

I would just call vanguard and tell them what you want. They will walk you thru the steps The problem is Vanguard won't pick up the phone. I just called Fidelity and they answered on the second ring?! So why in the world would you want to move it to Vanguard? There are better brokers like Fidelity,...
by radiowave
Mon Jan 06, 2020 10:21 pm
Forum: Personal Investments
Topic: Can I retire (early)?
Replies: 49
Views: 6012

Re: Can I retire (early)?

Hi All, Thanks a lot for all the replies. Yes, I guess I'm looking for confirmation that I'm in ok shape. As to the large cash position, yes I plan on rebalancing to something more like 50/50. I'm a good saver, but a lousy investor. I'm thinking of doing the Rick Ferri Portfolio 2nd Opinion that I ...
by radiowave
Mon Jan 06, 2020 10:13 pm
Forum: Personal Consumer Issues
Topic: Help me choose a pulmonologist
Replies: 50
Views: 4061

Re: Help me choose a pulmonologist

The best referrals come from people in the health care system. Nurses know who the good docs are and those that are not (equally important). I never put much weight on personal referrals although they are more helpful that online ratings which I never find helpful. Referrals by your PCP may or may ...
by radiowave
Mon Jan 06, 2020 9:26 pm
Forum: Personal Investments
Topic: moving funds to Vanguard rIRA in kind
Replies: 8
Views: 435

Re: moving funds to Vanguard rIRA in kind

1789 wrote:
Mon Jan 06, 2020 9:03 pm
I would just call vanguard and tell them what you want. They will walk you thru the steps
The problem is Vanguard won't pick up the phone. I just called Fidelity and they answered on the second ring?!
by radiowave
Mon Jan 06, 2020 8:48 pm
Forum: Personal Investments
Topic: moving funds to Vanguard rIRA in kind
Replies: 8
Views: 435

moving funds to Vanguard rIRA in kind

I was looking online at the VG site to see what it would take to move funds from a 403b to rollover IRA at Vanguard. I have funds in the institutional version of total bond VBTIX and would like to move in kind (albeit would likely have to convert to VBTLX). I'm trying to avoid going to cash, transfe...
by radiowave
Thu Dec 26, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 7309

Re: What tech wiring in new build house?

I didn't see anything above about prewiring for home security, OP might consider hardwire to doors and windows and a few extra for future use in home security system.
by radiowave
Thu Dec 26, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: Narrowing down where to live
Replies: 55
Views: 5544

Re: Narrowing down where to live

If NC is on your list, take a look at Chapel Hill and environs (e.g. Hillsboro and north Chatham Co - just south of Chapel Hill). Excellent schools, two great universities UNC and Duke, excellent healthcare, abt 2-2.5 hours to either the beach or mountains. Rare snow, cold in January but tolerable. ...
by radiowave
Wed Dec 25, 2019 8:10 pm
Forum: Personal Consumer Issues
Topic: My debit card was hacked. How did it happen?
Replies: 27
Views: 2539

Re: My debit card was hacked. How did it happen?

This is why my husband long ago insisted that we ask BoA to issue us ATM-only cards that do not work as debit cards. Maybe you can do the same? I didn’t know this is an option. I always use my cc to pay for things. Maybe will disable the debit feature if BofA will allow it. OP, you may have to canc...
by radiowave
Tue Dec 24, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 7309

Re: What tech wiring in new build house?

OP, branching off a little from your original question, but here are two sites for home automation that may give you some additional ideas what to do with the structured wiring: https://www.smarthome.com/ https://homeseer.com/ I've been using Insteon for many years (bought from the Smarthome site) b...
by radiowave
Mon Dec 23, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 7309

Re: What tech wiring in new build house?

boomer_techie wrote:
Mon Dec 23, 2019 1:24 am
radiowave wrote:
Sun Dec 22, 2019 9:32 pm
Many if not most of the current home automation devices also need a neutral (white) wire along with ground.
The latest electrical code requires a neutral in each box - for precisely this reason.
Is that national code or local?
by radiowave
Mon Dec 23, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Fullview Question
Replies: 0
Views: 254

Fidelity Fullview Question

Is there anyway to manually add transactions to a Fidelity FullView account?
by radiowave
Sun Dec 22, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 7309

Re: What tech wiring in new build house?

If you have any interest in adding home automation, put in extra deep junction boxes to all switches and any electrical outlet you may want to control. The reason is the electronics take up a couple inches behind the switch and it gets tough routing wires. Many if not most of the current home automa...
by radiowave
Sun Dec 22, 2019 12:38 pm
Forum: Personal Investments
Topic: In or Near Retirement with Only Six Figures?
Replies: 126
Views: 15573

Re: In or Near Retirement with Only Six Figures?

OP here. I should have added more info. I if I retire at 65 I will have social security of about $24,000 a year. My wife will have the same, plus a pension of about $35,000/year. We are a second marriage and although what's mine is hers and vice-versa, I want to make sure I bring enough to the tabl...
by radiowave
Sun Dec 22, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 218092

Re: Fidelity as a one stop shop

After some long conversations today, I learned the debit cards can be locked online, unlocked by phone (although not by app) for individual ATM withdrawals, and then immediately locked again. I prefer to never, ever use debit cards, both because of the risk of fraud and the forfeiture of credit car...