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  1. M

    Fixed Income Investing II

    We are starting a new version of the long running thread "We Are Entering a Golden Period for Fixed Income Investing", wherein the topic - OF FIXED INCOME INVESTING - may be thoroughly, thoughtfully and respectfully explored by the ER membership. Here is the link to the initial thread as a...
  2. M

    Memorial Day

    I would like to extend my deepest gratitude to our military who have sacrificed so much for their country. God Bless you.
  3. M

    Potential treatment for High LDL (still in trial stage)

    https://www.technologyreview.com/2022/07/12/1055773/crispr-gene-editing-cholesterol/ This article discusses ongoing trial for gene editing as a treatment for high LDL.
  4. M

    Joe Biden has Covid

    Hopefully, it will be mild and he will recover quickly without residuals. It is being reported that he is being given Paxlovid.
  5. M

    Converting Mutual Funds to Exchange Traded Funds

    Hello All, I have an account at Vanguard and have been considering converting my index mutual funds to the coordinating ETFs. Is there any downside to doing this? These are held within IRAs. (I am retired am not buying mutual funds/ contributing to an IRA on a monthly basis anymore.)...
  6. M

    Buying a non-Vanguard ETF/ Mutual Fund in Vanguard IRA?

    Hello, I have an Vanguard IRA. Is it possible to buy a non-Vanguard mutual or ETF in a Vanguard IRA. When I look at purchasing, it seems to be limited to Vanguard funds. I did not find instructions for this on their web site. I do not anticipate day-trading - I am extremely slow moving -...
  7. M

    Funds at Vanguard for rollover IRA

    Hello All, I am seeking help choosing funds at Vanguard for a rollover IRA. I will be rolling out my 401(k) from my job into Vanguard January 2nd. (Unfortunately, the fees do not make it worthwhile for me to keep it there. The administrative fees (which come in on top of the fund fees) are...
  8. M

    Taxable Account Advise Needed/Where to Go?

    I have had a case of analysis-paralysis for years with my taxable accounts. Basically, I just looked at them, and froze. I made my first move a few months ago, sold some funds (which had spewed capital gains), and am now looking at selling a stock that I have too much of and have held way too...
  9. M

    Does Roth 401k Make Sense the last few months of work?

    Hello All, DH is retiring the end of the year, and will have a pension and annuity income, and 401k access. I have a 401k through my job, taxable accounts, and a small Roth IRA. I was going to retire in August but a family situation has moved that up to the spring. The most I am anticipated...
  10. M

    The nuts and bolts of rolling over and transfers?

    So, I have finally started on rolling over to prepare for the back door Roth. I was starting with my little SEP which is in Vanguard (total stock market fund), and contacted my 401k provider. One thing that I learned is that it is not a wire transfer. A check will be issued - whenever, which...
  11. M

    Happy Easter & Passover

    Happy Passover & Easter to those who celebrate.:angel: Good wishes to all.:flowers: :greetings10:
  12. M

    Trying to Unwind after Stressful Commute

    Usually my commutes are just long and tiring, but I've had two bad ones lately. About a month ago I ran onto a subway car, a gentleman in there was in the process of a bodily function that should only be done in a private bathroom. (Needless to say, I ran off the train at top speed as soon as...
  13. M

    How would you protect a financially-uniterested spouse

    Asking for a friend - In the event you had a spouse that you cared about, but who was somewhat financially less than disciplined, what would you do to protect them in the event of them being the surviving spouse.
  14. M

    Fund for retirement income?

    Hello, I am looking for a fund in a taxable account to generate income in retirement. I would be interested in having the dividends deposited into a checking account. I was looking at Vanguard Dividend Appreciation and Vanguard High Dividend Yield ETFs. I understand the value will go up and...
  15. M

    Roll Over the rollover, wait or no?

    I have a 401k with John Hancock through my job. (I'm not crazy about it.) It has administrative costs of .52 on top of the fund fees. I also have a rollover with Vanguard through an old job. I like the Vanguard fund, very low cost .04. Also, I have a traditional, non-deductible IRA at...
  16. M

    Happy Easter & Passover

    Wishing a Happy Easter & Passover to those who celebrate. Good wishes to all!:flowers:
  17. M

    Happy St. Patrick's Day

    May the road rise up to meet you. May the wind always be at your back. May the sun shine warm upon your face, and rains fall soft upon your fields. And until we meet again, May God hold you in the palm of His hand.;D
  18. M

    Hats off to Canada!!!

    Great job on the ice!!! Congratulations!!!:dance:
  19. M

    What is your financial Achilles' heel?

    Do you have a financial Achilles' heel? For example, I had thought that I was pretty resistant to pleas for money from certain relatives. No, I won't co-sign a loan, no I'm not buying that, you want it you buy it yourself. (I'm not talking about normal expenses when raising a family, and would...
  20. M

    Seeking roll over advise

    Does anyone know if there is any advantage to rolling an old 401(k) to a new employer's as opposed to a roll over IRA? My question is also in connection to making conversions of traditional IRAs into Roths at a future date. Will it help to keep the amount of the rollovers from prior jobs...
  21. M

    Nervous - but plotting retirement

    Hi All, Like many I have been lurking here for quite a while. I feel like I know many of you. I am 56, DH is 57. We both work way too many hours at stressful jobs, and have both dealt with health issues. We've raised six kiddos and are hopefully in the home stretch. They are not all...
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