Search found 1728 matches

by radiowave
Thu Aug 09, 2018 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Diversification with cash held in vanguard money market
Replies: 23
Views: 2453

Re: Diversification with cash held in vanguard money market

OP, you may want to consider either CDs or T-Bills. Just looked at auction today and 1 year T-Bill is 2.44% if in taxable, no state income tax. I just bought an Ally 1 yr CD at 2.40%. So there are "cash instruments" that may work for you.
by radiowave
Fri Aug 03, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Should I do a 401K rollover to IRA?
Replies: 11
Views: 782

Re: Should I do a 401K rollover to IRA?

Opening a Rollover IRA account at Vanguard then moving the funds in kind from your 401k seems to be the best solution. Be sure to do a custodian to custodian transfer. Vanguard can help you set that up, just give them a call.

and welcome to the forum!
by radiowave
Fri Aug 03, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 51936

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Someone may have mentioned this above but Fidelity Total US Stock FSTVX ER is 0.015% and Total Bond FSTVX is not 0.025%. Life is good.
by radiowave
Thu Aug 02, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Do non-profit organiztions pay capital gains/dividend tax?
Replies: 8
Views: 456

Re: Do non-profit organiztions pay capital gains/dividend tax?

If the board is all nurses, they may not have the knowledge or confidence to distinguish between expensive and inexpensive funds. They may simply have been "sold" an expensive plan, or been impressed by the skilled presentation of the fund company, or felt that the expensive fund must be "better" o...
by radiowave
Thu Aug 02, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking opinions: How to invest 150k?
Replies: 8
Views: 731

Re: Seeking opinions: How to invest 150k?

1. Just a slight variation on theme from above, for the IRA, why not choose a Target Date fund and then select the asset allocation that meets your risk need (should be calculated across the entire portfolio). If 60/40 (% stock/bond) is right for you, then calculate out what needs to be in the TD to...
by radiowave
Thu Aug 02, 2018 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Do non-profit organiztions pay capital gains/dividend tax?
Replies: 8
Views: 456

Re: Do non-profit organiztions pay capital gains/dividend tax?

Actually it is a national nursing organization and only nurses can be on the board. I don't have anything more at this point, just want to get informed how non-profits work and I can at least make a recommendation to the board. I did a back of the envelop calculation, they are paying around 100k/yr ...
by radiowave
Thu Aug 02, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Do non-profit organiztions pay capital gains/dividend tax?
Replies: 8
Views: 456

Do non-profit organiztions pay capital gains/dividend tax?

Do non-profit organizations who are building an endowment fund pay capital gains tax or dividends/interest tax? I'm asking because I just got an email from a national organization I belong to discussing what looks like a high expense ratio set of funds (Rockefeller Capital Management) and I was thin...
by radiowave
Wed Aug 01, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement withdrawal strategy
Replies: 16
Views: 2205

Re: Early retirement withdrawal strategy

One other thing to consider in the first years of retirement before drawing social security, is you have an opportunity to sell stock funds in the taxable account for 0% long term capital gains tax.

and welcome to the forum :)
by radiowave
Wed Aug 01, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of Current Income on Decision to Retire Early
Replies: 76
Views: 6004

Re: Effect of Current Income on Decision to Retire Early

Thanks for the interesting discussion and contributions, it's helping me think through next few years. I calculated I add about 5% to my portfolio each years at this point in my career so still useful to work and contribute to investments. The tradeoff between OMY of wages/savings and offset OLY (On...
by radiowave
Mon Jul 30, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Two Days on Long Island
Replies: 16
Views: 1468

Re: Two Days on Long Island

If you have a whole day and the weather is good, take the ferry to Fire Island. Best choice would be to go to Bay Shore, take Fire Island Ferry on Maple Ave to Ocean Beach, spend the day, eat at one of the restaurants on the bay. The ferry ride itself is a treat.
by radiowave
Sun Jul 29, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy moderate growth - 12% bracket ok?
Replies: 9
Views: 1059

Re: Lifestrategy moderate growth - 12% bracket ok?

The other issue with VSMGX is you are paying a little more expenses per year (ER 0.13 vs. 0.04 for the total stock fund VTSAX). As above, at this point is minimal added expenses, in the years ahead this will add a bit more drag on returns.
by radiowave
Sun Jul 29, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Best place to park a large amount of cash for a year
Replies: 13
Views: 1643

Re: Best place to park a large amount of cash for a year

drg02b wrote:
Sun Jul 29, 2018 11:53 am
I have a "safe" place in my backyard you can park it. :)

For a year or less, I'd recommend an Ally Savings Account at 1.75% (several banks at this rate or higher if you need to split >$250k across multiple banks.
+ 1
by radiowave
Sat Jul 28, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Nailing Down Income Requirement in Retirement
Replies: 37
Views: 3572

Re: Nailing Down Income Requirement in Retirement

I have been tracking my expenses for the last few years and have a good sense of where the money goes. Few details about myself Self: 44 DW: 39 2 Elementary school kids Debt: Mortgage and Car Payment When I try and estimate the income requirement during retirement I am looking at the same income as...
by radiowave
Sat Jul 28, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees: how much cash?
Replies: 61
Views: 6256

Re: Retirees: how much cash?

Let’s differenciat types of “cash”. There are two, IMO. The first type is working capital. This is the cash we have on hand to pay known bills. These bills are paid weekly (food, gas), monthly (utilities, insurance, mortgage), quarterly (water, taxes) and annually (property tax). The proper investm...
by radiowave
Thu Jul 26, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Too much in savings?
Replies: 5
Views: 1372

Re: Too much in savings?

Agree with the choices of online accounts above. Ally has a 2.40% one year CD that may be appealing. The high yield savings are FDIC insured. The Vanguard money market account is not
by radiowave
Wed Jul 25, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: How to Learn Italian (a little) Before Trip to Italy
Replies: 34
Views: 2019

Re: How to Learn Italian (a little) Before Trip to Italy

My wife and I did a 2 week trip to Italy (Rome-Florence-Naples/Pompeii and really didn't any Italian as English was widely spoken. We even did an overnight stay in Perugia and that worked out fine. Basics in Italian like good morning/evening, hello, good by will suffice in major tourist areas.
by radiowave
Wed Jul 25, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Best Banks 2018
Replies: 15
Views: 1910

Re: Best Banks 2018

+1 on the Ally and Fidelity cash management combination.
by radiowave
Tue Jul 24, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Road trip - Dallas to Kalispell MT - which vehicle and must sees
Replies: 30
Views: 2149

Re: Road trip - Dallas to Kalispell MT - which vehicle and must sees

If you're headed back home from Kalispell and want to see Yellowstone, consider Boseman then south to Big Sky (possibly stay there). We did a MT trip a couple years ago in late July staying at Big Sky and left really early in the morning to Yellowstone, a little over an hour got to the park entrance...
by radiowave
Tue Jul 24, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: How do you deal with a bear market?
Replies: 35
Views: 2346

Re: How do you deal with a bear market?

I was in target date funds up to a few years ago when I gradually switch to a 3-fund portfolio. I didn't even look at my 401k though 2008-2009. At the time I was mid career, glad I had a pretty safe job and didn't have the knowledge about investing I have today. Even if I could go back to the bear m...
by radiowave
Sun Jul 22, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Setting up dedicated computer for investment/finance
Replies: 12
Views: 1764

Re: Setting up dedicated computer for investment/finance

Don't install any browser extensions except for the absolute minimum for security. For me that would include my password manager, my ad blocker, and my privacy blocker. No others. Don't install Flash or Java. If you use a browser like Chrome which includes Flash, make sure it's disabled. Don't let ...
by radiowave
Sat Jul 21, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up dedicated computer for investment/finance
Replies: 12
Views: 1764

Setting up dedicated computer for investment/finance

I have an old dell laptop that I put a new HD and Win10 build. I want to dedicate this only to online access to brokerages and banks. Any recommendations for browsers (and settings) or other issues to be sure this laptop is secure?
by radiowave
Thu Jul 19, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor
Replies: 25
Views: 2519

Re: Vanguard Advisor

Take a look at this sticky: viewtopic.php?f=1&t=6212 if you post in this format you will get a more detailed response from forum members.
by radiowave
Thu Jul 19, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Check-up - suggestions welcome
Replies: 7
Views: 885

Re: Check-up - suggestions welcome

traveler3 - welcome to the forum! I agree with David you are good to go with the caveat on expenses. Now if it were me, I likely would go back to work for a few more years, maybe to early 60's before permanently retiring due to uncertainty about healthcare insurance, Medicare, and Social Security. I...
by radiowave
Thu Jul 19, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor
Replies: 25
Views: 2519

Re: Vanguard Advisor

To be honest, if you look at the Wiki here on the Bogleheads forum, you will get more than the "advisor" will give you. If you are willing to put in some time and learn the basic principles, it is unlikely you'll need a financial advisor unless you have some unique needs.
by radiowave
Wed Jul 18, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Retirement Investments
Replies: 7
Views: 1188

Re: Help with Retirement Investments

Two comments:
First, you may want to consider consolidating and simplifying accounts. As you get older it with be easier to manage
Second, moving funds to a lower cost portfolio, e.g. Vanguard, could save you a few hundred dollars in lower expenses.
by radiowave
Tue Jul 10, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 5617

Re: Where do you keep your Emergency Fund?

1. high yield savings account and CDs (short term 1-2 yrs)
2. T-Bills in a brokerage account (1 yr or less)
by radiowave
Tue Jul 10, 2018 10:18 pm
Forum: Investing - Theory, News & General
Topic: US Treasuries vs Munis in taxable
Replies: 6
Views: 1159

Re: US Treasuries vs Munis in taxable

Jefferson, welcome to the forum. Here's a link to the Bogleheads Wiki that discusses tax efficient placement: https://www.bogleheads.org/wiki/Tax-ef ... placement . This would be the best place to start and if you have additional questions, please feel free to ask.
by radiowave
Tue Jul 10, 2018 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Investing cash into Vanguard target retirement fund
Replies: 20
Views: 1945

Re: Investing cash into Vanguard target retirement fund

Thank you so much. My source of transfer is not tax-advantaged accounts like 401k/IRA. It is only a checking account in a bank, which probably would fall under taxable account. In addition to the excellent recommendations above, consider - if you haven't done so already - opening a high yield savin...
by radiowave
Tue Jul 10, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move all my investments to Vanguard?
Replies: 31
Views: 2385

Re: Should I move all my investments to Vanguard?

Having two separate brokerages is like having an airplane with two engines, safety if one engine fails should get you on the ground, but you double your chance of having an engine failure with 2 to worry about.
by radiowave
Mon Jul 09, 2018 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Big expense in 3 mo. Money now. Where to hide money?
Replies: 13
Views: 1571

Re: Big expense in 3 mo. Money now. Where to hide money?

For 3 mo, I would just put it in checking. If it was a year or more, I would recommend a high yield savings or CDs/T-Bills.
by radiowave
Mon Jul 09, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 6120

Re: Any Dry Powder Strategies?

Yeah, money in equities is not "dry powder". Of course it isn't. The dry powder is the 40% bonds in the Balance Index Fund. Depends on "how dry". There are degrees of "dry powder" from dry to really dry. The fixed portion of Balanced Income Fund is "dry". CD's or CD ladder is "drier". Treasuries ar...
by radiowave
Sun Jul 08, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Colorado Day Hike Suggestions
Replies: 21
Views: 1229

Re: Colorado Day Hike Suggestions

Agree with whoever recommended Mt. Bierstadt. Grays or Torreys peak are good options as well. Enjoy Colorado! Now leaning towards Grays and Torreys Peak. I've actually changed my plans. Staying in Ft Collins area and not Colorado Springs. Estes Park and RMNP would work as a day trip out of Ft. Coll...
by radiowave
Sat Jul 07, 2018 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Schwab
Replies: 18
Views: 2062

Re: Fidelity vs Schwab

Fidelity has an excellent cash management account and debit card with no ATM fees or foreign transaction fees. I can't respond to Schwab, did look at it recently to consolidate 3 tax deferred accounts (they currently have the lowest Target Date and total stock mutual fund expense ratios. Re offices:...
by radiowave
Sat Jul 07, 2018 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Received $1m windfall with additional upside; looking for feedback on plan to hedge against market correction
Replies: 40
Views: 6291

Re: Received $1m windfall with additional upside; looking for feedback on plan to hedge against market correction

Re asset allocation, agree with above 30/70 is very conservative for your age, perhaps 60/40 (stock/bonds) ratio would give you reasonable returns and have enough bonds to stabilize your portfolio in the next few decades.
by radiowave
Sat Jul 07, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2494

Re: E- Billing & Autopay

We pay most of our monthly bills by eBill. I have payments in a separate account from regular savings/checking for security reasons and check them often. I also keep an eye on all credit card expenses with text for any charges and also monthly sums. We have one direct debit to our account and I have...
by radiowave
Sat Jul 07, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Ireland trip
Replies: 20
Views: 1546

Re: Ireland trip

We did a 10 day trip starting/ending in Dublin, rented a car at the airport, went south to County Cork and stayed at Dingle first two nights (agree with above, a truly lovely place. Second stop stayed two nights in Claire County Doolin (cliffs of Moehr), third stop was outside of Galway in Clifden, ...
by radiowave
Fri Jul 06, 2018 12:50 pm
Forum: Investing - Theory, News & General
Topic: Capping Emergency Fund
Replies: 53
Views: 4964

Re: Capping Emergency Fund

I think of EF in terms of liquidity: Tier 1 - credit card, checking/high yield savings Tier 2 - CDs and short term treasury bonds in taxable accounts (might incur EWP for CDs) Tier 3 - stock mutual funds (will incur capital gains tax to access) Tier 4 - IRA accounts (tax deferred so will incur incom...
by radiowave
Thu Jul 05, 2018 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: 401k - Target Retirement Fund a good idea?
Replies: 6
Views: 661

Re: 401k - Target Retirement Fund a good idea?

galpaca, welcome to the forum.

Agree with above, the VG TD fund is excellent and will be a good fire and forget fund for you.
by radiowave
Wed Jul 04, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: bond fund - short, intermediate, long
Replies: 3
Views: 290

Re: bond fund - short, intermediate, long

Do you have any bonds in a tax deferred account, e.g. 401k or IRA? One recommendation from the 3 fund portfolio is to use a Total Bond index fund in tax deferred accounts and tax exempt muni funds in a taxable account.
by radiowave
Wed Jul 04, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fees...what's "too high?"
Replies: 50
Views: 3287

Re: 401k fees...what's "too high?"

I work for a large state institution out west. We pay 7 bps for our retirment program, a relatively modest sum. We do get some Vanguard funds including the full Target Date suite and Total Bond at institutional rates (but when you add the 7 bps that becomes the retail expense ratio).
by radiowave
Mon Jul 02, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15649

Re: Retirement Destination - are you happy with your choice?

Meme, welcome to the forum. I grew up on LI (Suffolk Co) and spent much of my early work career and grad school in NC. I am a UNC-Chapel Hill grad and RDU is a really great place to live. Yes it's hot and stick in the summer but not too different from the NYC metro area. Four seasons, it does have s...
by radiowave
Sun Jul 01, 2018 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Withdrawals
Replies: 21
Views: 2271

Re: Retirement Portfolio Withdrawals

OP, take a look at this thread from a couple years ago: https://www.bogleheads.org/forum/viewtopic.php?t=204677 and this follow up one as well: https://www.bogleheads.org/forum/viewtopic.php?t=209728 Not sure if it answers your cash position question but it gets into the heart of covering your first...
by radiowave
Sun Jul 01, 2018 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my MOM with finances/retirement
Replies: 13
Views: 1255

Re: Helping my MOM with finances/retirement

I have also discovered that my mom knows absolutely nothing, and has been given very bad advice over the years, so I'm taking it on myself to try and get things in a better position for her. While I understand how to handle my current situation at 33, taking on my mom's situation is a whole differe...
by radiowave
Sun Jul 01, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my MOM with finances/retirement
Replies: 13
Views: 1255

Re: Helping my MOM with finances/retirement

I have also discovered that my mom knows absolutely nothing, and has been given very bad advice over the years, so I'm taking it on myself to try and get things in a better position for her. While I understand how to handle my current situation at 33, taking on my mom's situation is a whole differe...
by radiowave
Tue Jun 26, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: university admission issue
Replies: 27
Views: 3157

Re: university admission issue

One other thing to add to Andy's comments, the school's course catalog is the official contract between the school and student and include plans of study, actual courses and course prerequisites. An advertisement is not a binding contract, the catalog is. Most colleges/universities post their catalo...
by radiowave
Tue Jun 26, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: university admission issue
Replies: 27
Views: 3157

Re: university admission issue

The original post is too vague to give any actionable information. However, let me work through some issues/questions. First if I understand, your friend applied for admission to a graduate degree program (I'm assuming it is a masters) that ties in employment and education. Your friend would need a ...
by radiowave
Mon Jun 25, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Best Online Bank for parking cash?
Replies: 13
Views: 1565

Re: Best Online Bank for parking cash?

just a quick FYI on the FDIC limits for insurance of $250 k/account/person.
by radiowave
Sun Jun 24, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Fund Help with TIAA-CREF
Replies: 15
Views: 1359

Re: Retirement Fund Help with TIAA-CREF

Thanks rhatfiel, why would a local VP not let me know about the $500 bonus as a new customer? Makes me a bit skeptical about consolidating accounts there.
by radiowave
Sun Jun 24, 2018 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Fund Help with TIAA-CREF
Replies: 15
Views: 1359

Re: Retirement Fund Help with TIAA-CREF

I do not like the expense ratios of those Lifecycle funds. If I may ask, why are you keeping your rollover IRA's at TIAA? You should be able to easily transfer to Vanguard if you are seeking standard 3-fund portfolio or Target Date funds at the lowest cost. Consider rolling His IRA into His 401k, a...