Search found 1822 matches

by radiowave
Wed Nov 14, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. Savings Account
Replies: 28
Views: 1507

Re: Bonds vs. Savings Account

What is your opinion of this VTMFX Fund as a set it and forget it option? It doesnt contain International right? It’s basically 50/50 stocks bonds? VTMFX in taxable and VBIAX in tax deferred make a good pair and a very simple portfolio giving you somewhere between 50 and 60% equity. ER slightly hig...
by radiowave
Wed Nov 14, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: Portability of Fidelity ZERO
Replies: 22
Views: 2235

Re: Portability of Fidelity ZERO

whodidntante wrote:
Wed Nov 14, 2018 10:21 pm
Why would you ever leave Fidelity? :twisted:
Don't get me started on the Fidelity Full View rollout disaster these past couple months.
by radiowave
Wed Nov 14, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Where to start investing?
Replies: 4
Views: 258

Re: Where to start investing?

Vanguard Target 2065 fund 18-67=49 years into the future, $1000 minimum to open https://investor.vanguard.com/mutual-funds/profile/fees/vlxvx His cash is in a savings account so TD would not be very tax efficient. johnson0330 so sorry to hear you lost your father at such a young age. As for you que...
by radiowave
Wed Nov 14, 2018 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-Exempt Bond Funds Kicking Off Capital Gains
Replies: 7
Views: 805

Re: Tax-Exempt Bond Funds Kicking Off Capital Gains

Thanks for the response, Minesweep. While the numbers are not huge, the entire situation just fries me to the point where Vanguard and other fund companies should be required to change the name of these funds from "tax exempt" to something less suggestive that they will never generate any tax liabi...
by radiowave
Wed Nov 14, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 104
Views: 6122

Re: Are you all staying the course?

Quick question about “rebalance bands”. Are these something you can actually set and get an alert (for example on Vanguard) or is this just something you keep track of yourself? I also track my portfolio with Excel and have a small table for rebalancing by bands. I usually update quarterly. And yes...
by radiowave
Wed Nov 14, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: getting out of EJ
Replies: 5
Views: 902

Re: getting out of EJ

37 mutual funds in one account may be a new EJ record! I agree with krow36, sell all the funds on the EJ side and then transfer the cash to Vanguard. Yes, you'll get hit with nearly $400 in account closure fees, but you'll make up the difference in a few months. Initiate the transfer from the Vangua...
by radiowave
Wed Nov 14, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Pension - Lump Sum or Annuity?
Replies: 7
Views: 703

Re: Pension - Lump Sum or Annuity?

OP you may want to check if you have additional retirement benefits that may not be available if you take the lump sum. E.g. I have a small state defined benefits plan like you but it is tied to a very generous Medicare Advantage plan that is part of a university healthcare system that will go away ...
by radiowave
Tue Nov 13, 2018 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 4968

Re: Oops! Edward Jones tops Vanguard in customer survey

I don't know why this is surprising. From the topics and posts here Vanguard has bare-bones customer service. If you desire higher level customer service one should be with Fidelity, Edward Jones, etc. I recently had an encounter with a Vanguard CSR on a fund transfer into VG, He was professional, ...
by radiowave
Tue Nov 13, 2018 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Old 401k from employer roll over to Vanguard IRA??
Replies: 2
Views: 202

Re: Old 401k from employer roll over to Vanguard IRA??

Welcome to the forum. First, you may want to see if you can roll over your old 401k into your new plan if the fund selection and costs are reasonable. There are some additional protection of your assets inside a 401k versus a rollover IRA. These vary by state, so may be worth a Google search before ...
by radiowave
Mon Nov 12, 2018 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Is maxing out Tax defered 401(k) enough?
Replies: 49
Views: 4691

Re: Is maxing out Tax defered 401(k) enough?

I agree, asset allocation is a bit high for your situation, consider 70-80% equity. One minor point, if you haven't done so already, it to keep cash in a high yield savings account, Ally is commonly cited here, others include AMEX, Discover, Synchrony to name just 3. Basic goal for short term instru...
by radiowave
Mon Nov 12, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2307
Views: 1455328

Re: The Three-Fund Portfolio

WOW ! Lots of info here. I'm sold ! I'm retiring in March of 2019 at age 60 ! I will be rolling 401K into IRA with 3 funds !! I'm grateful I found Bogleheads !! Kcr8n Welcome to the forum! You may want to post your current 401k available funds here. You may be able to manage a 3 fund portfolio acro...
by radiowave
Mon Nov 12, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest CC cashback into market??
Replies: 32
Views: 1500

Re: Would you invest CC cashback into market??

I usually apply the rewards to the monthly balance.
by radiowave
Wed Nov 07, 2018 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX VS FSKAX [Vanguard vs. Fidelity Total Stock Market]
Replies: 7
Views: 967

Re: VTSAX VS FSKAX [Vanguard vs. Fidelity Total Stock Market]

I own both funds (FSKAX in a Fido workplace 403(b) account, VTSAX across several Vanguard accounts). Fidelity customer service has been phenomenal to work with in dealing with all the nuances with 403(b) transfers, and their IT is generally more reliable. I did find there was one evening last week ...
by radiowave
Wed Nov 07, 2018 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX VS FSKAX [Vanguard vs. Fidelity Total Stock Market]
Replies: 7
Views: 967

Re: VTSAX VS FSKAX [Vanguard vs. Fidelity Total Stock Market]

I have both, not sure if the 0.025% makes any real difference. What may matter more is whether you like Fidelity or Vanguard better.
by radiowave
Wed Nov 07, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4543

Re: How to deposit cash in online account with no local branch

I keep a B&M bank to deposit my loose change each month. Averages about $50 every 4-6 weeks. I could go use one of those local coin machines in the grocery store, but that's about 20% hit each time. And my B&M bank still has free donuts.
by radiowave
Tue Nov 06, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: USAA credit card
Replies: 22
Views: 1684

Re: USAA credit card

Our USAA Visa is the only credit card which does not send an ebill to our brick and mortar bank's bill pay. USAA sends out an email saying a payment is due. I have to log into USAA to find the balance and then manually enter that amount in my bank's bill pay system. It's kind of a hassle. OK, thank...
by radiowave
Mon Nov 05, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: Creating your own dividends vs High dividend fund
Replies: 10
Views: 1128

Re: Creating your own dividends vs High dividend fund

Tim as PJW posts above, your share price goes down with distributions. So if you have a high dividend portfolio, you are at the mercy of how many dividends are coming out of the fund. That may not be the best strategy as you have no control. You can of course reinvest the dividends, but will still b...
by radiowave
Mon Nov 05, 2018 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: USAA credit card
Replies: 22
Views: 1684

Re: USAA credit card

Thanks
by radiowave
Mon Nov 05, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: USAA credit card
Replies: 22
Views: 1684

USAA credit card

Does the USAA Visa reward card support electronic billing (eBill)?
by radiowave
Mon Nov 05, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to buy house out of blue but wants us to come up with offer
Replies: 31
Views: 5279

Re: Neighbor wants to buy house out of blue but wants us to come up with offer

OP, out of curiosity, what is the price you would be willing to sell? At $400k 3 years ago . . . 600, 800K? I agree with the above, let him make the first offer and you can see how close he is to your number (which he doesn't know). Also agree with the above, keep things amicable and check if you ha...
by radiowave
Sat Nov 03, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 151
Views: 17512

Re: Fidelity Full View transition to eMoney

I'm still getting duplicate transaction entries in Full View for the Fidelity Cash Management accounts. Still being promised to reinstate history from Fidelity accounts by end of the year. I've gone back to Quicken for now, that may be permanent in the near future unfortunately. I'm seriously contem...
by radiowave
Sat Nov 03, 2018 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Get out of Morgan Stanley!
Replies: 22
Views: 2592

Re: Get out of Morgan Stanley!

Vanguard, Fidelity, or Schwab all offer low cost index funds.
by radiowave
Fri Nov 02, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Bonds vs CDs
Replies: 39
Views: 4354

Re: Bonds vs CDs

I buy treasury bills at both Vanguard and Fidelity - if done online purchasing new bonds at auction, there is no expense to you at either firm and really easy to do on both their web-sites - I can outline the steps for you if you are unable to find it or do it on the Vanguard site Fidelity has a tr...
by radiowave
Fri Nov 02, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard/Fidelity Brokerage Account
Replies: 8
Views: 641

Re: Vanguard/Fidelity Brokerage Account

Welcome to the forum! This is a common question and you'll find multiple past threads on this topic. Since Jack Bogle started Vanguard, there is a clear tilt towards VG but two other brokers are commonly mentioned, Fidelity and Schwab as having a selection of low cost, diversified, passive index fun...
by radiowave
Thu Nov 01, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: help this RN negotiate job change
Replies: 28
Views: 2874

Re: help this RN negotiate job change

Cammilus, I can emphasize with your situation. Back in the late 80's when I was practicing, it was common to have new grads start at a higher salary than a nurse with a couple years experience. The only way to bump up salary was to move to another hospital. Speaking from a leadership perspective, it...
by radiowave
Wed Oct 31, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help - Retirement Allocations
Replies: 11
Views: 1080

Re: Please Help - Retirement Allocations

Thanks for the comments. The pension is in fact a defined benefit plan. I have wrestled with the idea of treating it as cash flow vs. bond allocation for a very very long time. Leaning bond allocation, but can definitely see why some people treat it as cash flow in retirement. If you treat it as ca...
by radiowave
Wed Oct 31, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Replacement for BND
Replies: 6
Views: 669

Re: Replacement for BND

AGG? https://www.morningstar.com/etfs/arcx/agg/quote.html It may be too close to BND however.
by radiowave
Wed Oct 31, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Outback 2.5 vs 3.6
Replies: 43
Views: 4667

Re: 2019 Subaru Outback 2.5 vs 3.6

OP I compared the Outback vs CR-V last December when we were looking to replace our 14 yr old CR-V and wound up getting a new Honda Pilot instead. The primary issue was comfort of the drivers and front passenger seats in both the CR-V and Outback. I did like the 3.6L Outback but the Pilot has 3.5L V...
by radiowave
Wed Oct 31, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help - Retirement Allocations
Replies: 11
Views: 1080

Re: Please Help - Retirement Allocations

Just a slight correction to ExitStageLeft (rIRA): Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) Here's the URL: https://investor.vanguard.com/mutual-funds/profile/overview/vtiax Personally I wouldn't put the pension (assuming defined benefit plan) in the portfolio mix or asset...
by radiowave
Wed Oct 31, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: DAF - Vanguard or Fidelity? (donor advised fund)
Replies: 26
Views: 1575

Re: DAF - Vanguard or Fidelity? (donor advised fund)

Really like the Fidelity DAF for the reasons posted above. You can move a portion or $ amount of mutual funds from a taxable account directly to the DAF with a few key clicks. We have been happy with disbursement of funds on the DAF side, takes about a week or two to process. There is a list of "ap...
by radiowave
Wed Oct 31, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation and current market
Replies: 9
Views: 815

Re: Help with asset allocation and current market

Bill81 welcome to the forum! You're on the right track. If you haven't done so already, take a look at the BH Wiki (see URL below). For tax deferred accounts like 401k and Rollover IRAs, bonds are the best placement, US and international equity primarily placed in taxable accounts (brokerage) and Ro...
by radiowave
Wed Oct 31, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: DAF - Vanguard or Fidelity? (donor advised fund)
Replies: 26
Views: 1575

Re: DAF - Vanguard or Fidelity? (donor advised fund)

Really like the Fidelity DAF for the reasons posted above. You can move a portion or $ amount of mutual funds from a taxable account directly to the DAF with a few key clicks. We have been happy with disbursement of funds on the DAF side, takes about a week or two to process. There is a list of "app...
by radiowave
Wed Oct 31, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Can I retire??
Replies: 26
Views: 3099

Re: Can I retire??

Agree with above posts, only thing I'll add is how stable is your health insurance until 65?
by radiowave
Tue Oct 30, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4719

Re: Vehicle recommendations for long commutes in CO mountains

I have a Honda Pilot and just put my Bridgestone Blizzaks on for the rest of the year. Today, wintery mix, roads weren't too bad but early harbinger of CO winter ahead. OP if you are going into back country CO roads this winter, you will need a high clearance vehicle. For normal driving down dirt/gr...
by radiowave
Thu Oct 25, 2018 10:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: metro Denver Bogleheads?
Replies: 45
Views: 6143

Re: metro Denver Bogleheads?

Mark, I'm in south metro so abt an hour drive each way, let me know if you have a working date and I'll see if I can fit it in.
by radiowave
Wed Oct 24, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 61
Views: 3410

Re: "consultation fee": standard for preventative colonoscopy?

I'm in a HMO and didn't need a separate interview/exam for the gastroenterologist last year. They have an integrated electronic health record and there was a routine order set for the colonoscopy and instructions. I can see where a specialist not in an integrated practice would want to do an intervi...
by radiowave
Wed Oct 24, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Phone calls from Social Security
Replies: 10
Views: 1523

Re: Phone calls from Social Security

About a month ago, my spouse received 3 phone calls from the "IRS" in rapid succession, claiming she owed thousands of dollars and the police had a warrant for her arrest. She was a bit rattled and called the local PD. They explained it was a common scam and likely originate in a foreign country so ...
by radiowave
Wed Oct 24, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 119
Views: 19193

Re: New retirees: so whatdayathink ?

My compliments as well. Very enlightening. I'm coming down the home stretch, probably retirment class of 2022 or 23. I'll return the favor in a few years :-)
by radiowave
Thu Oct 18, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 151
Views: 17512

Re: Fidelity Full View transition to eMoney

I never used Full View before but this got me to take a look. I notice that it assigns categories to transactions. I tried to customize those categories, but that does not seem to be possible. I can add a new subcategory, but I cannot create a top-level category, or rename or delete one. Also can't...
by radiowave
Wed Oct 17, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8455

Re: When to change tires; and what brand

I've been happy with my Bridgestones, an all weather 3 season tire and a set of Blizzaks for winter. Just put the Blizzaks on this morning which is a little early but we had our first snow this past weekend. I expect to get about 4 years total for the Bridgestones swapping them out twice a year. Luc...
by radiowave
Wed Oct 17, 2018 10:21 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 151
Views: 17512

Re: Fidelity Full View transition to eMoney

I had a new problem crop up last couple week. I have a fido cash management account and any transaction is now entered as two duplicate transactions. No way to delete the extra transaction but you can hide it. I sent an email almost 2 weeks ago, no answer. I'm going back to Quicken, at least it work...
by radiowave
Wed Oct 17, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 447
Views: 42461

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Thanks. I have a T-Bill maturing tomorrow, perfect timing.
by radiowave
Fri Oct 12, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: UPDATE Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 2017

Re: Considering new Honda Pilot, other suggestions?

Bought a Honda Pilot last Dec, been very happy with it. I keep records on gas mileage and been getting 24 MPG local, 26+ on trips with the 6 speed transmission and the vehicle MPG tracking is about 1.5 MPG higher than actual. Getting the rack and hitch was helpful. We upgraded from a 14 year old CR-...
by radiowave
Fri Sep 28, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: What to do with cash in the short term?
Replies: 36
Views: 3031

Re: What to do with cash in the short term?

+1 on Ally. It's easy to use, competitive on interest yields, and FDIC insured. current 1 yr CDs are 2.50% and the web interface for the CDs is excellent.
by radiowave
Thu Sep 27, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: 2-3 Year Savings
Replies: 8
Views: 1308

Re: 2-3 Year Savings

+1 on a CD or two. FDIC insured, 12 mo are 2.50% at Ally right now. Any other choice above, except for T-Bills could lose value.
by radiowave
Thu Sep 27, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: VTI vs VTSAX [Vanguard Total Stock Mkt ETF vs. Admiral Shares]
Replies: 12
Views: 1818

Re: VTI vs VTSAX

I've noticed Vanguard mutual fund reporting lags the ETFs. Check back later in the evening and see if VTSAX updates.
by radiowave
Wed Sep 26, 2018 9:30 pm
Forum: Investing - Theory, News & General
Topic: I'm switching to Vanguard (yay!). Is it an easy transfer?
Replies: 16
Views: 1462

Re: I'm switching to Vanguard (yay!). Is it an easy transfer?

Folks, My brokerage account at Cap One Investing (taxable) is being bought out by E-Trade, but have decided to switch it to Vanguard instead. Has anyone done a switch and could tell me if it's a fairly smooth transaction? It's started rough. I called Vanguard to help me through the process online (...
by radiowave
Sat Sep 22, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: Time periods for personal investment
Replies: 25
Views: 1757

Re: Time periods for personal investment

Ron Scott, I'm late accumulation phase (retire around 5 years) so I'm not sure my answer is all that helpful other than to give you another data point. 1. I use the 3 fund portfolio plus some low cost target date funds in tax deferred. The US/International equity component is for 5+ year horizon. Th...
by radiowave
Sat Sep 22, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 10414

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

OP, in addition to the no penalty CD at Ally, the 12 mo CD is now 2.50% so if you can tie up your money for a year, you'll get a little better return and insured.
by radiowave
Sat Sep 22, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX vs. FZROX for new investments
Replies: 14
Views: 1398

Re: VTSAX vs. FZROX for new investments

OP if you are happy with Vanguard, I'd stay stick with them. Opening an account at another brokerage adds another layer of complexity to your portfolio.