Search found 1673 matches

by radiowave
Mon Jun 18, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: New Fidelity Freedom Funds?
Replies: 11
Views: 1726

Re: New Fidelity Freedom Funds?

You didn't look too hard. If you select the "Asset Allocation" tab, scroll to the bottom and select the "Research all Fidelity asset allocation funds". You will find that there are both Institutional Premium Class funds at 0.08% and Investor Class funds at 0.14%. I think you misread my post, I saw ...
by radiowave
Mon Jun 18, 2018 5:30 pm
Forum: Investing - Theory, News & General
Topic: New Fidelity Freedom Funds?
Replies: 11
Views: 1726

Re: New Fidelity Freedom Funds?

Fidelity does not make it easy to find the Freedom Index Funds. Under their Asset Allocation Tab - The Index version does not show up. Fidelity Target It never has shown up. When you do a search on the Fidelity site, they do show up. I check them from time to time, since I like the Fidelity glide p...
by radiowave
Sun Jun 10, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 104
Views: 12708

Re: Retire at 55, what's the magic number

There may be situations where working a few extra years can gain lifetime health coverage/supplement on retirment. If that is the case it may be worthwhile to delay. Not sure if the OP is looking for that type of feedback but relevant to above posts about healthcare in retirment before 55. As for a ...
by radiowave
Fri Jun 08, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate: Keep, move, or go 3 fund?
Replies: 20
Views: 1744

Re: Vanguard LifeStrategy Moderate: Keep, move, or go 3 fund?

Agree with above, Total Stock VTSAX to replace LifeStrategy. If you need more bonds, VWITX (municipal bonds) in taxable would be a good combination.
by radiowave
Thu Jun 07, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: Unnecessary Complexity? Your thoughts please.
Replies: 13
Views: 1198

Re: Unnecessary Complexity? Your thoughts please.

Total US, Total International& Total Bond or IT Tax-Ex in taxable. +1 Other than the fact that there is a higher expense ratio for the mutual funds funds as opposed to the ETF's, of what benefit is it to slice and dice, adding complexity where one should seek simplicity? I may not be reading the or...
by radiowave
Wed Jun 06, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 433
Views: 50267

Re: How much money do you want to retire?

Interesting question and been thinking about this for the past few days. I struggled with the absolute number but when I looked at it from the lens of lifestyle in retirement and tradeoffs of working a few more years vs retiring now, it made a lot more sense to me. Current: MFJ, I work FT very stabl...
by radiowave
Sun Jun 03, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Interior painting - Sherwin Williams color recommendations
Replies: 28
Views: 2237

Re: Interior painting - Sherwin Williams color recommendations

There is a color in the light almond family that is a near match for the similar color name for the electrical switch/outlet wall plates. We did several bedrooms in the neutral color, really brightened up the room and we could use darker colored curtains for the added color. The electrical wall plat...
by radiowave
Sun Jun 03, 2018 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Getting started with Non-retirement account
Replies: 15
Views: 1059

Re: Getting started with Non-retirement account

+1 on starting with VTI in your Vanguard brokerage account (no minimum other than the price of the ETF). Note, you can sell the VTI when you reach $10k if you want to use mutual funds (VTSAX) instead of ETFs. That would likely cost you a small amount of capital gains tax.
by radiowave
Sun Jun 03, 2018 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: What are you doing with cash?
Replies: 82
Views: 9639

Re: What are you doing with cash?

Our first tier is approximately $4-5k in checking to cover monthly cash flow and cc charges. Second tier is a mixture of high yield savings, CDs, and short term T-Bills. Third tier is Total Stock MF in taxable. We don't have a separate "emergency fund".
by radiowave
Sun Jun 03, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: A few questions about Merrill Edge (new customer)
Replies: 14
Views: 1470

Re: A few questions about Merrill Edge (new customer)

I found out the hard way that free commissions do not count for mutual funds.
by radiowave
Sun Jun 03, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Need some direction: 5K payout in July....towards loans or Roth?
Replies: 18
Views: 918

Re: Need some direction: 5K payout in July....towards loans or Roth?

Is the $5k before or after taxes?

If it were me, I would put the extra cash into the emergency fund in a high yield savings account.
by radiowave
Fri Jun 01, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investing
Replies: 6
Views: 647

Re: Emergency Fund Investing

I would opt for the 6 or 9 mo. CD. Everything else above has at least some minimum risk. CDs are FDIC insured up to $250k per person per account.
by radiowave
Fri Jun 01, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Best CashBack creditCard with no foreign transaction fee.
Replies: 23
Views: 2454

Re: Best CashBack creditCard with no foreign transaction fee.

One additional card to consider if you are current/former military or have parent who was prior military is the USAA rewards card. 1.5%, no annual fee and no FTF. Note, I don't use my CapOne Quicksilver card anymore because they stopped eBilling for some reason. Also, in addition to the Schwab debit...
by radiowave
Wed May 30, 2018 12:35 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 11495

Re: To be or not to be complex, that is the question

Rick there is another perspective on your question and that is the number of accounts as a form of complexity. I started my Boglehead journey a few years ago trying to get my arms around nearly two dozen different brokerages across several jobs between my spouse and I as well as multiple Roth IRAs, ...
by radiowave
Sat May 26, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Purchasing CDs: Ally in Fidelity vs Ally direct
Replies: 2
Views: 478

Purchasing CDs: Ally in Fidelity vs Ally direct

I'm trying to understand the difference quoted by Fidelity for Ally CDs and Ally direct for CDs (these are new issue): Period . . . Ally . . . Fidelity 18 mo . . . 2.30 . . . 2.45 2 yr . . . N/A . . . 2.75 3 yr . . . 2.50 . . . 3.00 For the direct Ally CDs, the quoted yield is min $25k. There is no ...
by radiowave
Fri May 25, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Rental car in Denver, CO
Replies: 22
Views: 1666

Re: Rental car in Denver, CO

If you're travelling along the front range, check out flying into Colorado Springs rather than Denver. That will likely get you lower rental costs, especially if using off field rentals, and you'll have direct access to I25 north and south and state route 24 that gets you due west into the intermoun...
by radiowave
Thu May 24, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America ATM card not working internationally
Replies: 38
Views: 2497

Re: Bank of America ATM card not working internationally

This card is linked to 3 checking accounts, so that may be the issue. I have tried some bigger banks (Deutsche Bank, Austria Bank, Credit Suisse, Ing) and struck out there too. BofA advised going to a bank and asking for a cash advance on my debit card, but so far in Austria they look at me like I'...
by radiowave
Thu May 24, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: A Lonely T. Rowe Price Account - Transfer?
Replies: 21
Views: 1224

Re: A Lonely T. Rowe Price Account - Transfer?

Over time the difference in expense ratios would make it feasible to move the TRP funds now. If you move to Vanguard, consider the total stock fund (VTSAX) to give you mid and small cap exposure as well as large cap.
by radiowave
Wed May 23, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Short term bonds funds or CD Laddering for down payment house savings?
Replies: 6
Views: 757

Re: Short term bonds funds or CD Laddering for down payment house savings?

CDs are FDIC insured up to $250k per person per account. Current 2 year rates are around 2.50% see Bankrate: https://www.bankrate.com/cd.aspx . Only other alternative in taxable would be treasury bills or treasury notes with comparable yields but you don't pay state income tax so tax effective yield...
by radiowave
Wed May 23, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Advice, new to investing but a bit older
Replies: 6
Views: 1008

Re: Advice, new to investing but a bit older

OP welcome to the forum. Duckie is giving some sound advice. If you want to keep things simple in your tax-deferred account, consider the appropriate target date index fund. The costs are low and you would only have to deal with one rather than multiple funds. I agree with an overall asset allocatio...
by radiowave
Tue May 22, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 5685

Re: Florida Living

Take a look at Pinellas County, just west of Tampa and right on the Gulf. Anything north of Clearwater is more residential.
by radiowave
Sun May 20, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: $1,700,000 from family trust...
Replies: 59
Views: 8187

Re: $1,700,000 from family trust...

OP, one additional item to consider, is to see if you or your wife have a voluntary contribution plan, e.g. save additional pretax salary in a 403b or equivalent. That will lower your adjusted gross income and you will offset some taxes now and defer them until you retire. I agree with the above dis...
by radiowave
Thu May 17, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Should I have my new garage floor coated with Epoxy?
Replies: 23
Views: 3162

Re: Should I have my new garage floor coated with Epoxy?

Two more inexpensive garage tips, paint the entire inside of the garage flat white and put florescent lights in the ceiling. that will really brighten it up. BTW, I did a floor paint rather than epoxy in a new home build. I acid washed the garage floor, then applied garage gray pain with some sand, ...
by radiowave
Thu May 17, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing in 8 years. Buy now?
Replies: 18
Views: 1722

Re: Downsizing in 8 years. Buy now?

So you want to buy a house now that you would rent out for the next 8 years? And then you’d move into it when you retired? It isn’t just a question if what will happen to the housing market in 8 years, but what will happen in your life. If one of you was run over by a bus the day after you bought t...
by radiowave
Thu May 17, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing in 8 years. Buy now?
Replies: 18
Views: 1722

Re: Downsizing in 8 years. Buy now?

So you want to buy a house now that you would rent out for the next 8 years? And then you’d move into it when you retired? It isn’t just a question if what will happen to the housing market in 8 years, but what will happen in your life. If one of you was run over by a bus the day after you bought t...
by radiowave
Thu May 17, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: How to find a realtor after relocating
Replies: 7
Views: 670

Re: How to find a realtor after relocating

You might try Zillow (https://www.zillow.com/ ). This is a national real estate web site that is quite good. They list realtors and you can look at the properties they sold to get an idea of how effective they are and their core territory.
by radiowave
Mon May 14, 2018 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund in Taxable
Replies: 5
Views: 780

Re: Bond Fund in Taxable

Your best choice is likely a municipal bonds. You can get two excellent ETFs: MUB and the Vanguard VTEB (ER 0.09%).
by radiowave
Mon May 14, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon or other Nat'l Park in October?
Replies: 44
Views: 2458

Re: Grand Canyon or other Nat'l Park in October?

I did not like the Grand Canyon. Too many tourists that ruined the whole atmosphere of being one with nature. There are tons of other scenic parks in Utah/Arizona that are much better. Arches National Park was much better IME.. +1 if you are coming from the east coast, you can connect twice a day i...
by radiowave
Sun May 13, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Quest for the perfect online savings bank
Replies: 18
Views: 2349

Re: Quest for the perfect online savings bank

To answer the OP's original question, Ally comes pretty close to checking all the boxes. They just raised their savings rate to 1.60%, still just below inflation but easy to work with online, bill pay works well, and you can add a checking account to move money in/out of savings (limit is 6 withdraw...
by radiowave
Sun May 13, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 2451

Re: Subaru Crosstrek vs Outback

OP, welcome to Colorado where the air is thin and cool, the stars are bright, and people give you room to merge on the interstate (except the ex-pats from CA:). Yes, this is the land of the Subaru and the largest dealer in the US is in Colorado Springs: [url]https://www.bestbuysubaru.com/ [url] Rega...
by radiowave
Sun May 13, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Financial Income rates between Ally and Vanguard
Replies: 9
Views: 1126

Re: Financial Income rates between Ally and Vanguard

OP, I'll defer to Kevin's wisdom on the nuances of short term CDs, money market funds, and treasury bills. He has had some excellent posts recently you may want to view. Personally, I'm not going to quibble on a few basis points. One thing to consider is a CD is FDIC insured up to $250k/person/accou...
by radiowave
Sat May 12, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help to Leave Edward Jones / Allocation & Taxes
Replies: 18
Views: 1755

Re: Help to Leave Edward Jones / Allocation & Taxes

OP do you have either a Fidelity or Charles Schwab office nearby? That may help with some of the paperwork (Vanguard does not have field offices). Fidelity often has incentives for moving over new funds and will pay for closure fees as well. Agree with above, check which if not all of the funds can ...
by radiowave
Sat May 12, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Buy new or keep 2009 CRV?
Replies: 12
Views: 863

Re: Buy new or keep 2009 CRV?

I had a 2004 CRV that went to 174k miles. Came off a steep curb and bent the drive shaft so wound up getting a new Pilot. The AC compressor is a known problem, ours was replaced outside of warrantee. You can probably eek another 4-5 years out of the CRV.
by radiowave
Tue May 08, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Move all funds to Vanguard?
Replies: 29
Views: 2555

Re: Move all funds to Vanguard?

Flyeaglesfly, I had a big smile on my face when you guys beat NE. A well deserved congratulations. Some additional thoughts to the above discussion. Take you time and weigh all options. Set out some simple goals, e.g. simplify and consolidate accounts, decrease costs, save for kids education, find a...
by radiowave
Tue May 08, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Move all funds to Vanguard?
Replies: 29
Views: 2555

Re: Move all funds to Vanguard?

Welcome to the forum. You question is one of the most common here . . . check out the Wiki (see URL below) if you haven't done so already. You will likely get a strong consensus to move your funds to a low cost do it yourself broker. The 3 most common recommendations are Vanguard (a la Jack Bogle), ...
by radiowave
Tue May 08, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Plan
Replies: 24
Views: 2499

Re: Emergency Fund Investment Plan

OP, welcome to the forum. If accessibility to your money is an issue, you can add a checking account to Ally and keep most of your cash in high yield savings and CDs. If you need to write a check, the transfer internally between savings and checking is immediate. If you need actual cash, then you'll...
by radiowave
Sun May 06, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Taxable Account Advice
Replies: 10
Views: 786

Re: Schwab Taxable Account Advice

I made a quick comparison on Morningstar from 5/1/2010 through 4/30/2018. Starting with $10,000 on 5/1/2010 here is the total gain of all funds below (FSTVX and VTSAX are the total US stock funds in Fidelity and Vanguard respectively): SWTSX: 26,108.59 VTSAX: 26,157.87 FSTVX: 26,109.91 VTI: 26,166.5...
by radiowave
Sun May 06, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 42
Views: 4733

Re: Best cash-back credit card right now?

One excellent feature of the BoA rewards card (and legacy cards) is the ability to generate a randomized one time (or limited monthly payment) CC number for online use. This decreases the chance of getting scammed/hacked and having to deal with shutting down the card and getting a new one and dealin...
by radiowave
Sat May 05, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Best brick & mortar bank?
Replies: 14
Views: 1283

Re: Best brick & mortar bank?

My main complaint with BofA is the fees they nickel and dime you with. What services are you being asked to pay a fee for? I've had an account at Bank of America for 35 years and have never paid a fee. My credit union does charge for some things such as outgoing wire transfers. I've never needed to...
by radiowave
Sat May 05, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Converting my (financial) Excel spreadsheets to MS Access DB?
Replies: 17
Views: 1278

Re: Converting my (financial) Excel spreadsheets to MS Access DB?

Thanks for all that! I appreciate it. Is it better to first create the Access table design manually with all the fields defined to match the spreadsheet and import the spreadsheet into this empty table? Is this even possible? As for the advice for a column to contain only numeric or character data,...
by radiowave
Sat May 05, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Best brick & mortar bank?
Replies: 14
Views: 1283

Re: Best brick & mortar bank?

I've been with Bank of American since it was North Carolina National Bank (NCNB) back in the 80s and have had a love/hate relationship since the beginning. If I didn't have such a long credit history with them I would jump ship and go with a credit union. My main complaint with BofA is the fees they...
by radiowave
Sat May 05, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Jonathan Clements "Where Money Grows Up"
Replies: 9
Views: 2050

Re: Jonathan Clements "Where Money Grows Up"

22. when your sisters tell you how much they like their Edward Jones financial advisor, you hold back the tears.

here we go . . . :)
by radiowave
Sat May 05, 2018 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: ETF vs MF
Replies: 38
Views: 3153

Re: Vanguard: ETF vs MF

In Vanguard and other brokerages, you can set up automatic purchases of mutual funds if you like, e.g. $100 each month in taxable or Roth IRA. You'll have to do that manually for ETFs. If you ever want to move your funds out of Vanguard in the future, ETFs are much more transferable than mutual fund...
by radiowave
Sat May 05, 2018 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Correcting an Error? Invested high dividend index fund in taxable account.
Replies: 25
Views: 1808

Re: Correcting an Error? Invested high dividend index fund in taxable account.

You only have 6 months capital gains so it may be worthwhile to exchange for Vanguard Total Stock (VTSAX) fund. Note, there have been a number of recent threads on dividend producing funds in taxable. It doesn't matter if you live off the dividends or sell funds when you need the money, exactly the ...
by radiowave
Sat May 05, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund
Replies: 10
Views: 1405

Re: Emergency Fund

+1 as well. I include treasury bills (1 yr or less) as part of my cash position in taxable. I have some treasuries in my tax-deferred portion of the portfolio but count them under the bond portion.
by radiowave
Sat May 05, 2018 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Where to park $200k portion of portfolio when needed to be used as noted below
Replies: 17
Views: 1790

Re: Where to park $200k portion of portfolio when needed to be used as noted below

+1 for simplicity. A CD ladder is FDIC insured. You can set it up over the time period to deposit funds at maturity into a high yield savings and/or checking account like Ally. I haven't used Synchrony yet so cannot comment on ease of use or customer service.
by radiowave
Fri May 04, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18161

Re: Ed. Jones rep didn't like our plan, now we're locked out

Radiowave, I am uncertain as to all the Vanguard funds available at CS but I do not think Admiral Shares are available. I suppose that's the trade off. I have confirmed that Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) are available and that was one fund on our list. We were willi...
by radiowave
Fri May 04, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18161

Re: Ed. Jones rep didn't like our plan, now we're locked out

. . . OP here. Yes, we were told the Vanguard fee waiver would be permanently applied to our account so that each time we invested in Vanguard Funds the $76 purchase fee would not apply. This agreement was verified both in email and over the phone with a promotion specialist and over the phone with...
by radiowave
Fri May 04, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18161

Re: Ed. Jones rep didn't like our plan, now we're locked out

OP sorry to hear about your EJ troubles. I'm an EJ survivor myself. One thing to consider is, if your parents want to work with Charles Schwab, work with them directly to move all accounts to them. They will be motivated, and probably know all the different EJ strategies. Be sure to move everything ...