Search found 642 matches

by 2pedals
Sun Sep 23, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2739

Re: Fidelity cobrowser??

I finally got an answer from Fidelity, by going through their customer service chat. According to their rep, yes, this is legitimate. It's a new support feature they are working on rolling out, and I just happened to be unlucky enough to have accidentally tripped it before they announced. Be very c...
by 2pedals
Wed Sep 19, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25763

Re: What is your single most expensive mistake?

Using market timing techniques for too long. It worked until it didn't -- got badly burned.
by 2pedals
Mon Sep 17, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13435

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Johnny Paycheck has a good classic song for you to sing along to while your write up your resignation.
by 2pedals
Sun Sep 16, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: Barron's US market analysis
Replies: 6
Views: 447

Re: Barron's US market analysis

I love the Barron's cover. A nice thick slice of beef. I am salivating, my lizard brain is saying I need that magazine now!
by 2pedals
Sat Sep 15, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5211

Re: The twenty dollar rule revisited

I don't like this $20 rule at all, get a budget. A single month of low spending does not make a new trend. How do you know you are not pushing expenses into lumpy monthly expenses? Looks like you might be spending almost 60k annually on your main credit card. Suggestion Put a budget together that yo...
by 2pedals
Sat Sep 15, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 54
Views: 8334

Re: How did you decide when to retire?

Between your pension and SS you will have more than 100k plus an assumed 4% safe withdrawal rate that gives you about 140k in income. Also your previous post said your pension is cola adjusted. 100k cola adjusted income and 1M savings looks sweet, but you need to define your expected expenses. It is...
by 2pedals
Sat Sep 15, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on American Funds
Replies: 28
Views: 1979

Re: Opinions on American Funds

There is a way to avoid the high ERs and costs by transferring the money to your own SIMPLE IRA or IRA .

see
https://www.bogleheads.org/wiki/SIMPLE_IRA
https://www.bogleheads.org/wiki/Fiduciary_transfers
viewtopic.php?t=238472
by 2pedals
Sat Sep 15, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: When to Retire
Replies: 48
Views: 6811

Re: When to Retire

I am struggling with this right now. I have a stressful job with a gov agency, dealing with parents of disabled children. Been doing this for nearly 28 years; never thought it would get old. All of a sudden (I'm 65) I'm finding myself not caring all that much; very much NOT a good feeling. Any wisd...
by 2pedals
Fri Sep 14, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle
Replies: 66
Views: 7948

Re: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle

Thank you Rick, I loved the interview it was a great way to start my weekend.
by 2pedals
Thu Sep 13, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: What are 401k after-tax contributions?
Replies: 23
Views: 2310

Re: What are 401k after-tax contributions?

Following up here. I called Vanguard, my 401(k) provider and they said there are no fees for in service after tax withdrawals and they can be done as many times as desired. I'm thinking biweekly is too often. What is the consensus here for those that do this? A question about strategy on this. In o...
by 2pedals
Thu Sep 13, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 75
Views: 5882

Re: You Invest from JP Morgan [free trades offer]

Bumping this thread Chase announced a new incentive today. see doctor of credit comments https://www.doctorofcredit.com/coming-october-chase-sapphire-banking-60000-ultimate-rewards-signup-bonus-with-75000-in-deposits/ Not sure how much 60,000 ultimate awards are worth but could be worth the hassle f...
by 2pedals
Thu Sep 13, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Another high expense-ratio 401(k), Help!
Replies: 24
Views: 1694

Re: Another high expense-ratio 401(k), Help!

Thanks 2pedals and ryman. I don't quite know how or who the 401k was originally set up. The fact that it was probably only 2 or 3 people when it was set up a couple of years ago, and the fact that we are a nonprofit probably contributed to the selection. That said, if I were to help picking funds a...
by 2pedals
Thu Sep 13, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: etf investing strategy
Replies: 8
Views: 825

Re: etf investing strategy

Read this wiki on ETFs vs Mutual funds. In summary ETF require slightly more attention. I prefer mutual funds because they do not require more attention, some prefer ETFs. You should not be concerned with actively traded ETFs like VTI if you are getting a good deal or not, the trading ask and bid sp...
by 2pedals
Thu Sep 13, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11634

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

Bogleheads: When I felt I had reached FI (Financial Independence) in my job as chief of SBAs South Florida Financial Division, I decided I would blow the whistle on an agency program that was wasting millions of taxpayer money "42% of SBA borrowers ended up in default and out of business". Accordin...
by 2pedals
Thu Sep 13, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Another high expense-ratio 401(k), Help!
Replies: 24
Views: 1694

Re: Another high expense-ratio 401(k), Help!

Use Ivy International Core Equity if you must have international. Agree with Hartford Core Equity Fund (us stocks) and PIMCO Total Return (bonds). Trying to control my gagging reflexes. You should request your employer add some low cost index funds such as a S&P 500 index, extended market index fun...
by 2pedals
Wed Sep 12, 2018 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Another high expense-ratio 401(k), Help!
Replies: 24
Views: 1694

Re: Another high expense-ratio 401(k), Help!

Use Ivy International Core Equity if you must have international. Agree with Hartford Core Equity Fund (us stocks) and PIMCO Total Return (bonds). Trying to control my gagging reflexes. You should request your employer add some low cost index funds such as a S&P 500 index, extended market index fund...
by 2pedals
Wed Sep 12, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: An unspoken advantage of Fidelity Zero funds?
Replies: 2
Views: 1008

Re: An unspoken advantage of Fidelity Zero funds?

Good point, but how much difference will this make in the long run?
by 2pedals
Wed Sep 12, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy
Replies: 34
Views: 3726

Re: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy

I think that most Vanguard clients are looking at these zero fee funds with a healthy dose of skepticism toward the notion of 'free' funds and apathy toward such paltry differences in actual dollars. Whatever the reason, ER is less and I am happy. When is Schwab going to offer me a big cash incenti...
by 2pedals
Wed Sep 12, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy
Replies: 34
Views: 3726

Re: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy

1 billion since launch, Aug 1 So $1 billion growth in a little under six weeks is at the pace of about $9 billion annually. At that rate, it would take them 122 years to match Vanguard's current assets in these two fund types. A billion sounds like a lot to the layperson, but in the investment worl...
by 2pedals
Wed Sep 12, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 61
Views: 4348

Re: Fidelity, Schwab, or Vanguard

I like Fidelity, I have been using them since 1983. They have a 2% cash back credit card that automatically deposits to your account after reaching a minimum reward amount (I think it is $50). They have a investment center locally where I or my wife can walk in and get personalized help, drop checks...
by 2pedals
Tue Sep 11, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor - Glad to meet you, and eager for advice!
Replies: 10
Views: 983

Re: New Investor - Glad to meet you, and eager for advice!

There is a very good Vanguard article on portfolio construction and asset location here , see page 18. "From an asset location perspective, there is a strong preference to hold tax-efficient investments in taxable accounts and tax-inefficient investments in tax-advantaged accounts. Therefore, asset ...
by 2pedals
Mon Sep 10, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10389

Re: Anyone else not save for cars?

Sometimes you can get manufacturers cash back rather than a 0% loan and on top of that dealer incentives. I like to wait for the cash back deals and pay cash. I have no problem saving money and don't need to save specifically for cars. I drive them for a long time, typically 15-20 years.
by 2pedals
Sun Sep 09, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4719

Re: How much do bogleheads save in 529?

You may find this Vanguard college savings planner useful.
by 2pedals
Sun Sep 09, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4719

Re: How much do bogleheads save in 529?

He takes school very seriously and has a clear/realisticly obtainable career path in mind, so hoping he keeps that focus straight through. It's a whole lot easier to "follow your bliss, etc" if that something has broad applicability in the job market, too. Bubbacat Make sure she picks are marketabl...
by 2pedals
Sun Sep 09, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4719

Re: How much do bogleheads save in 529?

I would only put money in a 529 plan if you run out of retirement space (IRA, Roth and 401k taxable and aftertax). Some folks in the public sector have a very large amount of tax-advantaged space. My family could contribute almost 90% of our gross annual income to tax-advantaged accounts. For those...
by 2pedals
Sun Sep 09, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4719

Re: How much do bogleheads save in 529?

We plan to cash flow our daughter's education. We have a few grand in an ESA for her, but that's it. Money that was given to her when she was born. I think ESA's and 529's are WAY more restrictive than IRA's and 401k's - meaning it's wiser to save the money in your own retirement plan until you've ...
by 2pedals
Sun Sep 09, 2018 8:22 am
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 21434

Re: Why Bull Markets Are Dangerous

randomizer wrote:
Sun Sep 09, 2018 2:50 am
This is a bad sign. Bracing for my first real bear soon.
...or worse a bear son -- financial advisor.
by 2pedals
Sat Sep 08, 2018 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Should I choose Roth 401K because of SS tax?
Replies: 8
Views: 960

Re: Should I choose Roth 401K because of SS tax?

This is a difficult question and the answer to your question is dependent on your numbers in retirement. The following post is a discussion of the SS tax hump. https://www.bogleheads.org/forum/viewtopic.php?t=237823 #Cruncher had a interesting post in the topic and included a spreadsheet here People...
by 2pedals
Sat Sep 08, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: House strategy approaching FI and maybe RE
Replies: 9
Views: 1270

Re: House strategy approaching FI and maybe RE

What are your retirement plans? Are you planning a vagabond type lifestyle? Are you interested in staying more than a few years in the DFW area? Keep in mind the DFW airport is a decent place to explore and start your travel adventures from. Texas is tax friendly for retirees. Unfortunately, we don...
by 2pedals
Fri Sep 07, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: House strategy approaching FI and maybe RE
Replies: 9
Views: 1270

Re: House strategy approaching FI and maybe RE

What are your retirement plans? Are you planning a vagabond type lifestyle? Are you interested in staying more than a few years in the DFW area? Keep in mind the DFW airport is a decent place to explore and start your travel adventures from. Texas is tax friendly for retirees.
by 2pedals
Thu Sep 06, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Soon to be retired, 401k rollover/transfer timing for Roth conversions and widthdrawals
Replies: 11
Views: 1069

Re: Soon to be retired, 401k rollover/transfer timing for Roth conversions and widthdrawals

Thank you all Looks like the full rollover 401k to IRA works best for me, account consolidation, more lower cost fund selections and Washington State has same protections under the law. Stable value is good to have but not all that important (other options are available such as: CDs, short term bond...
by 2pedals
Thu Sep 06, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 74
Views: 7887

Re: Marriage [How should finances be handled?]

For me this is about love and respect. If I want something, I am as considerate as possible and I do what DW says is okay. Our account just happens to be joint and that seems to work the best for us.
by 2pedals
Thu Sep 06, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Soon to be retired, 401k rollover/transfer timing for Roth conversions and widthdrawals
Replies: 11
Views: 1069

Re: Soon to be retired, 401k rollover/transfer timing for Roth conversions and widthdrawals

bloom

Thank you

I was wondering about the ERISA protection for a Washington State resident. Is there an advantage to a 401k versus a Roth or IRA account?
by 2pedals
Thu Sep 06, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score [What changes your credit score?]
Replies: 42
Views: 3566

Re: Credit Score

I just checked my FICO score dropped to 810 from 830 last month. :shock: :( :shock: :( :confused :confused

One on credit cards was flagged by the bank and they issued me a new card. :? They said it would go on my record :!: :annoyed :annoyed
by 2pedals
Thu Sep 06, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Soon to be retired, 401k rollover/transfer timing for Roth conversions and widthdrawals
Replies: 11
Views: 1069

Soon to be retired, 401k rollover/transfer timing for Roth conversions and widthdrawals

I will soon be retired at 59, Washington State My employer as a 401k plan (about 1M) that also has a 401k Roth option as well will no assets but transfers from 401k to Roth are very simple. I have outside taxable, IRA and Roth funds outside in a Fidelity. Over time I would like to do several Roth co...
by 2pedals
Thu Sep 06, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: Myth Busting on Index Funds
Replies: 16
Views: 4172

Re: Myth Busting on Index Funds

Thank you Larry wonderful article, you nailed it!
by 2pedals
Wed Sep 05, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Gentlemen: underwear shopping question
Replies: 35
Views: 4120

Re: Gentlemen: underwear shopping question

Trying out the exofficio give-n-go now, they are nice!
by 2pedals
Wed Sep 05, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score [What changes your credit score?]
Replies: 42
Views: 3566

Re: Credit Score

It makes sense to me, that when you get moved into a new group you will probably get dinged because there is greater uncertainty about how you will behave in your new group. For instance, when you are in the group of high credit utilizers you probably start at the bottom, but over the years with go...
by 2pedals
Wed Sep 05, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 3115

Re: New Bike Suggestion

It is hard to know what you would really like based on your description of the question. While you really are not going that fast, it's how much fun you are having that matters the most and how much money you want to spend. I second the idea of buying a gravel bike rather than a racing bike. https:/...
by 2pedals
Wed Sep 05, 2018 2:26 pm
Forum: Forum Issues and Administration
Topic: Posts with HTML
Replies: 6
Views: 512

Re: Posts with HTML

or using something like this:
https://wordtohtml.net/
by 2pedals
Wed Sep 05, 2018 2:10 pm
Forum: Forum Issues and Administration
Topic: Posts with HTML
Replies: 6
Views: 512

Re: Posts with HTML

Earl Lemongrab wrote:
Wed Sep 05, 2018 1:45 pm
2pedals wrote:
Wed Sep 05, 2018 1:39 pm
Maybe cut and paste from an raw HTML file or maybe cut and HTML paste function?
But it's not a quote from something, it's clearly new text for a post. How would it be in an HTML file?
A copy from raw text to a HTML paste function if the poster thinks that HTML is required.
by 2pedals
Wed Sep 05, 2018 1:39 pm
Forum: Forum Issues and Administration
Topic: Posts with HTML
Replies: 6
Views: 512

Re: Posts with HTML

Maybe cut and paste from an raw HTML file or maybe cut and HTML paste function?
by 2pedals
Wed Sep 05, 2018 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 3 Funds Portfolio for my 401k
Replies: 8
Views: 1207

Re: Fidelity 3 Funds Portfolio for my 401k

You are on the right path and congratulations on your new job. It makes a lot of sense to reduce your expenses and avoid the Freedom funds. You can do slightly better by balancing your asset allocation yourself with the lower fees of the index funds. The only problem I see with that is you will need...
by 2pedals
Mon Sep 03, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?
Replies: 110
Views: 5927

Re: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?

HEDGEFUNDIE wrote:
Mon Sep 03, 2018 2:10 pm
And the cloud transition is still in its early innings.
That is one cloudy market forecast. :twisted:
by 2pedals
Mon Sep 03, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1571

Re: F2 Tornado just slammed our area - Any way to recover expenses?

That must have been scary, glad you are okay.

I don't think this helps much but sometimes private property owners can move disaster-generated debris to the public right-of-way and the costs associated with removing this debris from the right-of-way may be eligible under a public assistance program.