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Sven
Lynn,
Thank you so much. I am planning on a 3-year ladder since I am a year away from retirement. Lots of spreadsheet work to calculate the income replacement needed. This ladder will create a steady income stream. So thank you for all your help.
I moved back to high quality bond funds this year. Some of which you covered in the SA article. For now, I will stay with agency bonds to the bond ladder. I will pick active managers for corporate bonds.
Sven
For domestic stock funds: David Giroux of PRWCX. Don't have one for international funds due to lack of consistency.
BTW, CalPERS has not been effective in managing their retirement fund for a number of years comparing to David Swanson of Yale Un…
There is still commission for trading stocks at Fidelity while Vanguard is free once the total asset reaches the Flagship level. We are not frequent traders so this is a mute point.
Still, at least one perk remains for customers at these levels: …
You are correct. It depends on how one want to manage their portfolio across multiple brokerages. Thus I proposed two routes for @soaring. I maintain both brokerages and try to make the most out of them. Fidelity offers free trading on many ETFs,…
Bummer! You have several choices:
1. If you wish to stay with Fidelity, you need to find another substitute global balanced fund.
2. If you are willing to open a brokerage at Vanguard, then you can buy all the Vanguard funds plus other on thei…
@hank and @WABAC, Mackinac Island is breezy but beautiful. Lots of history. We enjoyed the fudges while biking around the Island.
@littlebee, when we camped on Picture Rock National Shoreline, we saw the northern light since there is very little …
Heat is something my body don't handle well. So I stay indoor and fully hydrated during the day when I visit that part of the country. It will get easier once you work out a routine for the high temperatures. Don't forget sunglass and a heat. You w…
Not all funds open for purchase at Fidelity are eligible for automatic investment. For any fund, this eligibility is subject to change, just as a fund being offered NTF is subject to change.
That is for sure. i understand the fee to be on Fidelity …
No, we live in Portland, OR and it is much wetter than the eastern half of the state. Columbia Gorge helps to bring in the marine climate. Above the mountain range where the eastern Oregon resides, it is more like a high desert climate. Along the …
@soaring,
VGWLX - I recently discovered that this fund is not available for automatic investment at Fidelity. As I don't want to pay $75 TF for every addition, this one is likely to go.
I just checked with Fidelity, VGWLX is open to new investors, t…
@Old_Joe, stay safe. Many landscape in Oregon are changing too due to global warming. Wild fire is a constant hazard on eastern half of the state and the building codes are dated. Houses with cedar shake roof are common on this part of the countr…
I would put far more credence in an article in the world's most premiere peer reviewed journal than in a book written in Italian by a man with no experience in virology
I could not agree more. Nature is premiere peer-review journals that I trust of…
Mosquito is plentiful over the summer in inland lakes. First time visiting Isle Royale as a city boy was not fun when we encountered backpackers wearing netting over their heads. Still we made the most out of the beautiful island. The Minnesota nat…
@little5bee, no kidding! That part of country is truly beautiful. I have visited those place you mentioned, especially for the fall colors. I backpacked Isle Royale twice and had a wonderful experience. Those mosquitoes are something else.
Love to visit large cities and their cultural attractions. Given them COVID-19 situation, many of these attractions are indoor and likely crowded. Outdoor activities are safer alternatives until vaccines are available. Out west we have a number o…
Upper peninsula of Michigan and Wisconsin's coastline along Lake Superior are the best for their fall colors and lack of crowd. If weather permits, one can see Northern light.
I would transfer VGWLX to Vanguard. I use both Fidelity and Vanguard. Over time they were my 401(k) administrators. There is no equivalent global allocation value oriented funds in Fidelity. The subadvisor, Wellington, to VGWLX is well respected…
The main sources of rare earth metals that are key components for microelectronics, are from China. Few companies in US went bankrupt. One or more new ones started their operation. I am not sure if they represent opportunities now.
Iceland offers many outdoor opportunities such as backpacking, photography, lots of wildlife, landscape, northern night and etc. Lonely Planet Is a good starting point for information for different levels of travelers. Traveling costs money but the …
We would like to visit Iceland. Lots of ususual and beautiful landscape. Canada national parks along the Rocky would be another great destination. For now Americans are banned to visit Canada.
Sounds fantastic! Are Americans allow to visit these countries? Americans are banned in Europe due to COVID. It may boil down to a requirement of vaccine certificate as a requirement at schools.
Thank you for the articles. In Nov-Dec 2019 there were higher respiratory related death in the northeast. Don't know if that was COVID related.
Flu vaccine is available now on the West coast. Our family took them last week and it will last ove…
I too reducd QQQ and high growth funds and rotated to VGK, Europe ETF. They have COVID-19 situation in control and manufacturing is steadily returning.
It is less critical who made the final decision since they are working as a team now. I suspect many decision came from his team, i.e. Apple.
If he initiated his buys in April. Timing is good and should have gained over 20%.
Clearly there is no substitute for in-class instruction. Beyond academic materials social interaction in classroom environment is crucial for young kids as part of their human development. We human are social being and are not meant to live in isol…
Younger generations have better computer skills for remote learning or working. Our kids made quick change this spring when schools and universities shut down rapidly in March. They managed to do very well in the spring term. The fall term starts…
The buy information is most likely dated by several months. Buying gold instead of stocks could imply he sees little upside in the near future. Airline stocks he sold continue to fall.
@catch22, thank you for the update on bonds and other links. I interpret last week's pullback on bonds is just a pause since March's low. Given the recession, Fed is keeping rates near zero and likely for sometime. My bonds are of high quality w…
If the Russians vaccine actually works and safe, then they would not be stealing vaccine research from the West.
https://nytimes.com/2020/07/16/us/politics/vaccine-hacking-russia.html
@davfor, thank you for the good article. Those who have jobs and retirement accounts are doing much better but a sizable population are not so fortunate and they are suffering. New Zealand is the shining example of how they managed the public hea…
Rebalanced aggressively out of domestic equity in last 8 weeks into balanced funds VWINX and PRWCX and global balanced fund, VGWLX. Increased cash position.
Market is advancing while waiting for more QE (more like dope).
Harris may not be even born American as our Supreme leader President Trump said
Here we go again with birtherism conspiracy by you know who...
https://theatlantic.com/ideas/archive/2020/05/birtherism-and-trump/610978/
Senator Kamala Harris was bor…
It is not too late to dump Pence and pick Nikki Haley. Senator Harris will destroy Pence in the debate, even more lopsided than the debate between Benson versus Quayle.
