Search found 2230 matches

by radiowave
Thu Jul 11, 2019 2:52 pm
Forum: Personal Investments
Topic: Access to Fidelity eMoney
Replies: 17
Views: 1499

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: 44141

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: 1729

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: 16534

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: 2180

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: 5838

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: 6319

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: 4308

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: 1910

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: 150
Views: 23394

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: 1555

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: 1555

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: 1555

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: 2110

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: 1748

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: 1748

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: 1389

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: 4296

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: 2150

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: 1130

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: 8755

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: 8755

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: 259

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: 1666

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: 7630

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: 2527

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: 2090

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: 1773

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: 805

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: 2377

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: 3256

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: 11362

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: 2249

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: 5643

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: 2288

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: 2288

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: 4893

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: 278
Views: 27655

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 ...
by radiowave
Mon Apr 01, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 278
Views: 27655

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

Colorado looks interesting, but has black ice and snow in the winter. It seems most houses in populous Colorado areas are two story and the nice houses are huge. A one story house with no winter black ice would seem to be good features for retirement. Actually there is very little black ice here, a...
by radiowave
Mon Apr 01, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: Family flying - picking seats at booking
Replies: 75
Views: 4949

Re: Family flying - picking seats at booking

When I fly Southwest, I take a window seat in the very last row. The idea is with SW most passengers want to get to the front of the aircraft for quick deplanning. I've had several flights where I had no middle and occasionally the entire row to myself as that is the very last place people like to s...
by radiowave
Sun Mar 31, 2019 10:00 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13718

Re: Folks in their 60s and above. What early investment on health do you recommend.

Minimize or avoid caffeine. It causes vasoconstriction (raises blood pressure by narrowing arteries) and in the long term is not good for you. So stop going to Starbucks and save a few hundred a year you can devote to a nice hiking trip in the mountains.
by radiowave
Sun Mar 31, 2019 9:10 pm
Forum: Investing - Theory, News & General
Topic: Which Vanguard Dividend Fund to pick?
Replies: 47
Views: 3550

Re: Which Vanguard Dividend Fund to pick?

I was thinking diversity in the different companies that the fund is investing in. Vhdyx does not have holdings in amazon and other tech companies. Also for me, a young investor I can say it is more fun and entertaining to find new index funds to invest in and track. The 3 fund portfolio (total US ...
by radiowave
Sun Mar 31, 2019 8:03 pm
Forum: Investing - Theory, News & General
Topic: Which Vanguard Dividend Fund to pick?
Replies: 47
Views: 3550

Re: Which Vanguard Dividend Fund to pick?

So you're asking only about the Roth IRA. Typically growth funds and REITs are a good fit for a tax advantaged account. You already have a total stock fund that covers the entire US market. Perhaps consider simplifying to VTSAX (now $3k minimum) and the Vanguard total international fund? Hi dividend...
by radiowave
Sun Mar 31, 2019 10:28 am
Forum: Investing - Theory, News & General
Topic: Best Fidelity Money Market Account to Hold Cash?
Replies: 47
Views: 13698

Re: Best Fidelity Money Market Account to Hold Cash?

Another alternative to consider, albeit a mutual fund, is the Fidelity FUMBX Short Term Treasury fund. Minimum $0, 2.46% SEC yield, and 0.03% expense ratio.
by radiowave
Sat Mar 30, 2019 3:11 pm
Forum: Personal Investments
Topic: Kitces/Pfau rising equity glide path for early retirees with NQDC
Replies: 15
Views: 1982

Re: Kitces/Pfau rising equity glide path for early retirees with NQDC

Agree with mc7, having bonds in both tax-deferred and taxable can provide a lot of flexibility in transition to retirement. E.g. if stocks are down, you can draw from treasuries/CDs in taxable or from intermediate bonds in tax-deferred to meet individual tax effects.
by radiowave
Sat Mar 30, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating - Raleigh / Durham
Replies: 21
Views: 1797

Re: Relocating - Raleigh / Durham

OP, try Chapel hill, north Chatham County, e.g. Fearrington (abt 7 mi so of CH) and north of CH in Hillsborough.
by radiowave
Sat Mar 30, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 129
Views: 9815

Re: Quicken 2019 and forward

I have Quicken 2017 so in the same boat as several others above. I had been using Fidelity Full View but got caught up in their botched roll out of the new FV and lost 2+ years worth of transaction data. So have been using Quicken exclusively. However I've reestablished Full View and may switch over...
by radiowave
Sat Mar 30, 2019 12:29 pm
Forum: Personal Investments
Topic: Age in Bonds?
Replies: 38
Views: 3923

Re: Age in Bonds?

To me that is too conservative. My preference is to have enough in bonds so that I could live by selling bonds and SS for five years without having to sell stocks. I'm 67 and have been retired two years. Since I am not collecting SS until I'm 70 I have about 30% in bonds now. When I start collectin...
by radiowave
Fri Mar 29, 2019 10:19 pm
Forum: Personal Investments
Topic: CDs with good early withdrawal penalties - Ally is underperforming
Replies: 12
Views: 1330

Re: CDs with good early withdrawal penalties - Ally is underperforming

To be honest I would just go for the Ally 1 year 2.75% CD. Interesting that CDs are now becoming inverted.
by radiowave
Fri Mar 29, 2019 10:17 pm
Forum: Personal Consumer Issues
Topic: Help with South Carolina Itinerary
Replies: 15
Views: 1115

Re: Help with South Carolina Itinerary

It's a pretty big state, how much time to you have and where will you start/end? I lived in Charleston for nearly a decade, I would put that on my must see itinerary. Probably 2-3 days. - downtown historic district. - night graveyard tour - Aquarium - take ferry to Ft. Sumter - Patriots point in Mt ...