Search found 2003 matches

by radiowave
Mon Jan 21, 2019 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Setting a personal AA glide path
Replies: 7
Views: 523

Re: Setting a personal AA glide path

I'm using 50/50 as I cross into retirement in a few years in my mid 60s. The market kind of adjusted my portfolio towards bonds this past several weeks so I don't have anything to do on my normal January re-balance.
by radiowave
Mon Jan 21, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Questions about Fidelity
Replies: 20
Views: 1326

Re: Questions about Fidelity

I use the Fidelity CMA card strictly as an ATM card. I've used it all over the world. They will indeed shut it off if you don't provide a travel notification. I've never bought anything with it as a debit card. And I wouldn't use that debit card or any other debit card for purchases, because I find...
by radiowave
Sun Jan 20, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?
Replies: 45
Views: 2278

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

I keep mine on the right just behind the normal pocket. I'm average size and weight, I have an average wallet size and have no idea how to qualify that :). This pouch is easy to grab with two fingers, flips right out, unzip pull out a card or a $20, then slips right back with ease. If you have ever ...
by radiowave
Sun Jan 20, 2019 10:50 pm
Forum: Personal Consumer Issues
Topic: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?
Replies: 45
Views: 2278

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

This is the one I use: https://www.backcountry.com/eagle-creek-undercover-hidden-pocket?CMP_SKU=EAG0422&MER=0406&skid=EAG0422-MC-ONESIZ&mr:trackingCode=CCFD5599-B85A-E411-B200-BC305BF82376&mr:referralID=NA&mr:device=c&mr:adType=plaonline&CMP_ID=PLA_GOc001&utm_source=Google&utm_medium=PLA&k_clickid=_...
by radiowave
Sun Jan 20, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?
Replies: 45
Views: 2278

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

Sandtrap, a few additional tips (those above are excellent), been travelling international almost 3 decades now. Footwear, key is to find sturdy, durable shoes, leather only if possible, and wear with two pair of socks, a light inner liner then a compatable merino wool hiking pair. REI is a great so...
by radiowave
Sun Jan 20, 2019 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Bonds in Taxable Retirement Account
Replies: 3
Views: 286

Re: Municipal Bonds in Taxable Retirement Account

I would put all of your bonds in the 401k. I would only put bonds in taxable if they won't all fit in the 401k. I agree with retiredjg, use your tax-deferred space for bonds up to your asset allocation. The ER of .35 isn't bad at least compared to some of the much higher employee based plans I've s...
by radiowave
Sat Jan 19, 2019 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds In Taxable Account
Replies: 11
Views: 730

Re: Bonds In Taxable Account

OP, first welcome.

Re muni bond dividends in taxable are counted towards you modified adjusted gross income (MAGI) if that is a concern.
by radiowave
Sat Jan 19, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: Son moving to Denver from California
Replies: 39
Views: 2535

Re: Son moving to Denver from California

I have a set of Bridgestone Blizzak tires. I put them on mid November and take them off in April. This season, except for a couple of recent 4-6 in snows, really haven't needed them. We live a little off the beaten track near Denver and they don't plow our cul-de-sac if it's less than 6 in. I was in...
by radiowave
Fri Jan 18, 2019 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: My 2000th post
Replies: 6
Views: 532

My 2000th post

I just want to say thanks as I reach a milestone here on the forum with my 2000th post. I started on Bogleheads nearly 4 years ago. Like many who find the site, I was struggling to tame a complex portfolio, simplify and lower investment costs, and also deal with two inherited accounts that were at E...
by radiowave
Fri Jan 18, 2019 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Another do all bonds belong in your 401K question?
Replies: 4
Views: 321

Re: Another do all bonds belong in your 401K question?

OP 1. Yes, with the caveat that asset allocation, e.g. bond allocation, is measured across the entire portfolio, not individual accounts. You may get different opinions whether CDs in taxable are counted as bonds as opposed to a cash instrument. I count my CDs in taxable as bonds from a total portfo...
by radiowave
Thu Jan 17, 2019 9:59 pm
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7375

Re: When would you stop being a Boglehead?

If I had the good fortune of a windfall of $10m, 50m, 250m+, I would likely set up a trust in Vanguard, 50% VTSAX, 50% treasury bills/notes and possibly a few CDs. Continue to live a modest lifestyle and any leftover cash after interest and dividends, devote to charity. Probably the only thing I wou...
by radiowave
Thu Jan 17, 2019 9:29 pm
Forum: Investing - Theory, News & General
Topic: Best Bond Fund for Tax-Sheltered Space; still 20 years from retirement
Replies: 3
Views: 308

Re: Best Bond Fund for Tax-Sheltered Space; still 20 years from retirement

If this is for tax-deferred, e.g. 401k, tIRA, etc., Vanguard Total Bond is still the largest and most diversified fund on the planet. With a 20 year horizon, short-term bonds in tax-deferred space don't make much sense to me and suggest TB, however others may differ. If the question was posed for a ...
by radiowave
Wed Jan 16, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 186
Views: 19639

Re: Fidelity as a one stop shop

Getting back to the original OP's question and give some actionable/useful feedback, a few years ago I was very interested in a one stop shop = brokerage + bank + bill pay/cash management + rewards credit card. After a few years my overall philosophy and approach has changed to one where I view brok...
by radiowave
Mon Jan 14, 2019 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Mix
Replies: 3
Views: 551

Re: Retirement Portfolio Mix

John welcome to the forum. I agree with David except for #4, personally (IMHO) some cash instruments on the taxable side, e.g. CDs or Treasury Bills make sense for the short term say 2-3 years of expenses. You'll get a diverse set of opinions on that question, but basically it comes down to what hel...
by radiowave
Mon Jan 14, 2019 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 186
Views: 19639

Re: Fidelity as a one stop shop

I never thought about opening a second cash management account to use as a savings account. The MM funds definitely pay more than what BofA is paying right now. Has anyone used a CMA as a business checking account? I'm losing track of my posts so apologies if i'm repeating myself from above. One st...
by radiowave
Sun Jan 13, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Money Market Account - tell me about your experience
Replies: 15
Views: 1335

Re: Ally Money Market Account - tell me about your experience

OP, very positive experience with Ally to date (abt 3 years). One alternative is to keep your short term cash in a savings account (2.0%) and then just keep enough to fund checking account. You get 6 transfers from savings to checking (or outside ACH transfer) a month. No limit to funds coming into ...
by radiowave
Sun Jan 13, 2019 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 42
Views: 2316

Re: Tax filing software

+1 do you want to go low ball on tax preparation?

Been using TurboTax for several years, it downloads both our W2s and downloads taxable brokerage account tax statements. Plus I push a button and uploads federal return directly and for an additional $ uploads state return as well.
by radiowave
Sun Jan 13, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's your experience upgrading to Quicken 2018 or 2019?
Replies: 41
Views: 2157

Re: What's your experience upgrading to Quicken 2018 or 2019?

I have Quicken 2017. At what point will I have to make a decision about converting to the subscription versions?
by radiowave
Sat Jan 12, 2019 10:50 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon
Replies: 23
Views: 3654

Re: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon

Thanks Larry, looking forward to the read. Great having a book focused on those of us just a few years out for retirement and then the transition.
by radiowave
Thu Jan 10, 2019 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: 35...am I on the right track? Feeling overwhelmed with options
Replies: 12
Views: 2045

Re: 35...am I on the right track? Feeling overwhelmed with options

viii welcome! I'm going to give 2 thumbs up on Duckies reply. All excellent recommendations. I would recommend keeping BoA but using it just for depositing your income check, and taking coins down there to get deposited. You need to watch BoA as they nickel and dime you with fees. If you have at lea...
by radiowave
Thu Jan 10, 2019 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 66
Views: 5328

Re: Fidelity, Schwab, or Vanguard

Assume a traditional Bogle approach to investing. 50-50, 2-fund, US total stocks and bonds, DIY rebalancing, mix of taxable, IRA and Roth, straightforward asset location, low cost investing required. Where do you put your money and why? If you are also doing roll over IRAs, I found the local Fideli...
by radiowave
Thu Jan 10, 2019 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: [Split into taxable / non-tax advantage accounts]
Replies: 6
Views: 326

Re: [Split into taxable / non-tax advantage accounts]

CxInvest welcome to the forum. If I read you post correctly, you are asking whether to open just an IRA (I'm assuming a traditional IRA) vs. added a second taxable brokerage account. So I'll answer from that perspective. You have the option to make a personal $5,500 annual contribution to either a t...
by radiowave
Wed Jan 09, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Weekend in “west” ... recommendations
Replies: 17
Views: 1213

Re: Weekend in “west” ... recommendations

Two 60 year-olds, five 30 somethings, and a two-year-old are going to get together for a long weekend in May in either Montana, Idaho, Utah, or New Mexico. We will all be fine experiencing almost any sort of interesting environment .... urban, adventuresome, etc. Ease of travel by air from San Fran...
by radiowave
Wed Jan 09, 2019 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Large cash position .. any point in bonds?
Replies: 10
Views: 1650

Re: Large cash position .. any point in bonds?

Bonds are not liquid, I take it? I want that cash to be available so that I could use it within say 1 week if need be. I consider CDs even in my taxable account as part of my bond allocation. FDIC insured and even with early withdrawal penalty, pretty liquid, e.g. at Ally bank you can liquidate a C...
by radiowave
Wed Jan 09, 2019 6:57 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6201

Re: Fell in Love with Fidelity

It turns out you are right, there’s no way for an individual to set his or her own limits. The first rep I talked to was wrong; many apologies from Fidelity. I’m glad I followed up on this, so thanks. I went deep into this, having been connected to Elan Financial Services, whom Fidelity outsources ...
by radiowave
Tue Jan 08, 2019 10:31 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6201

Re: Fell in Love with Fidelity

Fidelity has been great for me. So much that I'm moving my IRA's to Fidelity (moving Roth, rolling SEP into SE 401(k), moving wife's Roth/trad IRA for non-deductible contributions). Plan on opening an IRA for non-deductible contributions and Roth conversion mid-year. I've heard some so so things ab...
by radiowave
Tue Jan 08, 2019 5:43 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6201

Re: Fell in Love with Fidelity

Fidelity has been great for me. So much that I'm moving my IRA's to Fidelity (moving Roth, rolling SEP into SE 401(k), moving wife's Roth/trad IRA for non-deductible contributions). Plan on opening an IRA for non-deductible contributions and Roth conversion mid-year. I've heard some so so things ab...
by radiowave
Mon Jan 07, 2019 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Newly retired, new to you, seeking a plan we can trust
Replies: 8
Views: 1545

Re: Newly retired, new to you, seeking a plan we can trust

learningcurve welcome to the forum! And thanks for a well crafted first post. You obviously have been reading the Wiki and the basic philosophy and approach here on the forum. Let me make a few basic comments and follow up later in the thread. It seems you have a number of different accounts. We sta...
by radiowave
Mon Jan 07, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: washer dryer rec
Replies: 22
Views: 1497

Re: washer dryer rec

We bought a pair of Samsungs last year. The dryer is already squeaking loudly like it's going to need a service call sometime soon. Wish we bought the Speed Queens.
by radiowave
Mon Jan 07, 2019 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-Efficient Funds for Taxable Account
Replies: 16
Views: 1774

Re: Tax-Efficient Funds for Taxable Account

Thanks for all the replies thus far. It might be worth clarifying that the money invested will not be retirement (i.e. part of my overall portfolio/asset allocation). Instead, I was hoping to invested in the aforementioned LifeStrategy fund as an alternative to using CD's, since the level of risk o...
by radiowave
Sun Jan 06, 2019 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 81
Views: 6254

Re: What do you think are (some of) the best states to live in?

Colorado, although housing in the Denver metro area may put that part of the state out of contention due to high costs. Colorado Springs should check all of the OP's boxes. Weather is a subjective criteria, it was -1F last week here in Denver but today was mid 50's and dry. We do get "feet" of snow ...
by radiowave
Sun Jan 06, 2019 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 81
Views: 6254

Re: What do you think are (some of) the best states to live in?

Colorado, although housing in the Denver metro area may put that part of the state out of contention due to high costs. Colorado Springs should check all of the OP's boxes. Weather is a subjective criteria, it was -1F last week here in Denver but today was mid 50's and dry. We do get "feet" of snow ...
by radiowave
Sun Jan 06, 2019 4:40 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 798
Views: 81667

Re: Fidelity ZERO funds?

and there is very little history for this fund.
by radiowave
Sun Jan 06, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to fund early retirement - where's the cutoff?
Replies: 14
Views: 1555

Re: Downsizing to fund early retirement - where's the cutoff?

Another factor considering moving to a different home after/just before retiring is "ageing in place". For example, an easy to maintain house, no stairs, one floor living space, etc. Personally we are considering building a new home in a few years to optimize these and several other factors (e.g. be...
by radiowave
Sun Jan 06, 2019 1:10 pm
Forum: Investing - Theory, News & General
Topic: How do you view a savings surplus in retirement?
Replies: 117
Views: 5973

Re: How do you view a savings surplus in retirement?

Very intrigued by the answers. They are falling along the lines I was expecting for BH. It does seem like in general BH don't either believe it is a surplus or don't believe in acknowledging it in that manner. This does lead me to question how you ever figure out if you have enough or what your num...
by radiowave
Sat Jan 05, 2019 10:57 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 220
Views: 14315

Re: What is your allocation to U.S. and International?

International allocation is 5% of equity, 2.5% of total portfolio in an approximately a 50/50 AA.

Candidate for retirement class of 2023
by radiowave
Sat Jan 05, 2019 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Tbills for the tbill challenged
Replies: 13
Views: 1247

Re: Tbills for the tbill challenged

1) how do I find the rates? I saw these change based on auction price, but not sure if there's a way to approximate Not sure about other places, but Fidelity will show you the estimated rate for the auction once it is announced. 2) are the prices buying through broker similar? Are they still state ...
by radiowave
Sat Jan 05, 2019 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor at 62.
Replies: 17
Views: 834

Re: New Investor at 62.

op welcome, you may want to consider putting your Chase cash in an online high yield savings account like Ally, AMEX, Capital One Discover, just to name 4 (Ally is highly regarding by many forum members). You can get a 2% interest rate on savings and 1 year CDs are in the 2.75% yield range. I agree...
by radiowave
Sat Jan 05, 2019 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor at 62.
Replies: 17
Views: 834

Re: New Investor at 62.

op welcome, you may want to consider putting your Chase cash in an online high yield savings account like Ally, AMEX, Capital One Discover, just to name 4 (Ally is highly regarding by many forum members). You can get a 2% interest rate on savings and 1 year CDs are in the 2.75% yield range.
by radiowave
Sat Jan 05, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 4711

Re: 11 days in Europe...Budget and logistical advice please

Agree with Watty on a JAW flight if you haven't bought your Paris tickets yet. I would recommend Paris then Rome (easy flight between them).
by radiowave
Sat Jan 05, 2019 9:17 am
Forum: Investing - Theory, News & General
Topic: Please comment on FUMBX (Fidelity short-term treasury index)
Replies: 8
Views: 741

Re: Please comment on FUMBX (Fidelity short-term treasury index)

It's easy to purchase Treasuries at Fidelity and they also have an autoroll feature, which means at maturity the individual Treasury will be rolled over to an equivalent bill/note without intervention.
by radiowave
Fri Jan 04, 2019 10:18 pm
Forum: Personal Consumer Issues
Topic: Need Recommendation for Paint Color
Replies: 27
Views: 1279

Re: Need Recommendation for Paint Color

I was able to match colors with our electrical outlets and wall plates (almond). The room came out really well with a light almond color (matched at SW) and the outlets/switch just blend right in and you hardly notice them.
by radiowave
Fri Jan 04, 2019 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Is the 3 fund asset allocation my best option?
Replies: 42
Views: 2048

Re: Is the 3 fund asset allocation my best option?

OP, I agree with Taylor, keep things simple. For you 401x fund, a low cost target date fund that matches your risk tolerance is a great place to start.
by radiowave
Fri Jan 04, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 714
Views: 92176

Re: How much money do you want to retire?

I'm happy with our current lifestyle. Our expenses are between 120k and 130k. That includes two kids in the house. When they move out (both middle school age right now), I envision the same level of expenses which should give us a small lifestyle bump. I think 4.5 million will pay for that over a 4...
by radiowave
Fri Jan 04, 2019 7:28 pm
Forum: Personal Consumer Issues
Topic: Paying (paper) cash for daily transactions
Replies: 83
Views: 3759

Re: Paying (paper) cash for daily transactions

I use cash for my work daily lunch money. Mostly credit card on just about everything else, do not use a debit card for purchases but do have a dedicated ATM only card from my B&M bank. As a side not to the discussion, I've noticed many if not most cash registers no long have bills all facing up and...
by radiowave
Fri Jan 04, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: Paying (paper) cash for daily transactions
Replies: 83
Views: 3759

Re: Paying (paper) cash for daily transactions

OP, not sure how valuable my data point may be but Bank of America gives you a choice of which denominations you want for your cash. The few other ATM machines in the Denver area, I have not noticed any $50 dispensing without an actual choice.
by radiowave
Fri Jan 04, 2019 5:45 pm
Forum: Investing - Theory, News & General
Topic: How to compare CD to Bond fund
Replies: 14
Views: 1066

Re: How to compare CD to Bond fund

OP, if you don't have this already, here is a good site to check CD and savings rates: https://www.bankrate.com/banking/


Ally bank https://www.ally.com/ is currently offering a 1 year CD at 2.75%.
by radiowave
Fri Jan 04, 2019 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate to Fidelity?
Replies: 50
Views: 2906

Re: Consolidate to Fidelity?

OP, if you are looking for bank like features, why not consider one of the online high yield backs like Ally, Capital One or Discover (to name just 3 of many). The ability to manage cash flow using high yield savings and CDs is much better than Fidelity CMA account (IMHO) and FDIC insured. I had a r...
by radiowave
Fri Jan 04, 2019 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Investment/retirement plan review - 5 years out
Replies: 7
Views: 1166

Re: Investment/retirement plan review - 5 years out

Since you will both be retiring before you reach 65, what is you plan to cover health insurance until Medicare eligible? Great question. My wife's employer offers a retiree medical plan option which can cover both of us. Not sure what the cost will be but it's an option, along with an open market p...