Search found 938 matches

by AndroAsc
Thu Jul 30, 2015 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Best Double Disability Income Insurance Combination (with LTC and retirement coverage)
Replies: 1
Views: 187

Re: Best Double Disability Income Insurance Combination (with LTC and retirement coverage)

Ameritas and MassMutual seem to have limits on mental disorder related claims, so they go out of the window.
by AndroAsc
Tue Jul 28, 2015 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best Double Disability Income Insurance Combination (with LTC and retirement coverage)
Replies: 1
Views: 187

Best Double Disability Income Insurance Combination (with LTC and retirement coverage)

I've been doing a lot of research this week after getting some quotes from my agent. I am thinking of what would be the best combo DI policy for me. Currently: Have Standard Platinum Protector that covers $2000/mth. It has $4000 of Future Increase Option. Future: Plan to add on another DI policy fro...
by AndroAsc
Tue Jul 28, 2015 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance: Pay Jump, have Standard, should I switch to Guardian, and risk medical underwriting?
Replies: 8
Views: 497

Re: Disability Insurance: Pay Jump, have Standard, should I switch to Guardian, and risk medical underwriting?

I've noticed that many of the DI policies these days come with a catastrophic rider, which looks like LTC. Basically, double the payout if you cannot fulfill 2 out of 6 of the activities of daily living. Is anyone considering using these catastrophic rider as a replacement for LTC? I admit I'm not &...
by AndroAsc
Mon Jul 27, 2015 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Neat way to save a little $ on your car insurance
Replies: 18
Views: 3886

Re: Neat way to save a little $ on your car insurance

Totally true, good point. Forgot about the rental thing as I would never rent anything but a cheapie :-) True, but once I rented a compact car, I got "upgraded" to a full size SUV because that was the only car they had left. Gas mileage totally sucked and I was pissed. I suppose a comprom...
by AndroAsc
Mon Jul 27, 2015 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Neat way to save a little $ on your car insurance
Replies: 18
Views: 3886

Re: Neat way to save a little $ on your car insurance

There is one exception. You may be driving a rental car that is worth much more than your old beater. I set mine to $50k as it pretty covers much the cost of any rental car that I will drive.
by AndroAsc
Mon Jul 27, 2015 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need Umbrella Insurance if my Assets < Liability Limits?
Replies: 14
Views: 1292

Do I need Umbrella Insurance if my Assets < Liability Limits?

As above, do I need an umbrella policy for $1mil+, if my current assets are less than the liability limits on my auto/homeowners policy?
by AndroAsc
Sat Jul 25, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Is the entire Car Transport Industry this Shady? Need help in getting a reliable transport company...
Replies: 20
Views: 2444

Re: Is the entire Car Transport Industry this Shady? Need help in getting a reliable transport company...

Thanks. I'll reach out to some of the enclosed transport companies and the car transport companies that are not brokers.
by AndroAsc
Wed Jul 22, 2015 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance: Pay Jump, have Standard, should I switch to Guardian, and risk medical underwriting?
Replies: 8
Views: 497

Re: Disability Insurance: Pay Jump, have Standard, should I switch to Guardian, and risk medical underwriting?

So far you haven't mentioned anything that would make me switch. I would not say they are higher tier financially. I think "switch" was a bad term. What I meant was purchase another policy from Guardian so that my current Standard and proposed Guardian would both cover to 60% of my curren...
by AndroAsc
Wed Jul 22, 2015 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance: Pay Jump, have Standard, should I switch to Guardian, and risk medical underwriting?
Replies: 8
Views: 497

Re: Disability Insurance: Pay Jump, have Standard, should I switch to Guardian, and risk medical underwriting?

Well just looking at Standard Protector Platinum vs Guardian Provider Plus, the practically useful advantages of Guardian would be: - Standard true own occupation definition requires to be under the care of a physician, this is not stated for Guardian (substantial difference). -15% vs 20% loss of in...
by AndroAsc
Wed Jul 22, 2015 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance: Pay Jump, have Standard, should I switch to Guardian, and risk medical underwriting?
Replies: 8
Views: 497

Re: Disability Insurance: Pay Jump, have Standard, should I switch to Guardian, and risk medical underwriting?

My family have bad health history, and I suspect at some point I will get it too. The last few checkups certain indicators were slightly above normal, but not high enough to warrant medication. That's basically my situation.
by AndroAsc
Wed Jul 22, 2015 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance: Pay Jump, have Standard, should I switch to Guardian, and risk medical underwriting?
Replies: 8
Views: 497

Disability Insurance: Pay Jump, have Standard, should I switch to Guardian, and risk medical underwriting?

I purchase a individual disability insurance policy with Standard (Protector Platinum) a while back, when I wasn't earning much money. My occupation is an the engineering field, age 29. Now that I have started a career earning a decent salary, I am looking to increase my coverage. I have 2 options: ...
by AndroAsc
Tue Jul 21, 2015 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Is the entire Car Transport Industry this Shady? Need help in getting a reliable transport company...
Replies: 20
Views: 2444

Is the entire Car Transport Industry this Shady? Need help in getting a reliable transport company...

I've been in contact with 3 car transport companies, and I'm getting the impression that this is a real shady industry. I ask every one of them a very simple question: " If my car gets totaled during transport, how much will you pay me? " With my auto policy, I know for a fact that my insu...
by AndroAsc
Fri Jul 10, 2015 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, Moving from 15% to 25% tax bracket: Should I sell all my I-Bonds and rebuy them?
Replies: 7
Views: 856

Re: Age 30, Moving from 15% to 25% tax bracket: Should I sell all my I-Bonds and rebuy them?

The real objective of this move would be to 'reset' the age of my i-Bonds, so that they don't expire in my 50s. It will not make money now, but it will have a big impact if I am redeeming at a >30% tax rate or <15% tax rate later in life. i-Bonds only make up 6.67% of my total portfolio, and I don't...
by AndroAsc
Fri Jul 10, 2015 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Age 30, Moving from 15% to 25% tax bracket: Should I sell all my I-Bonds and rebuy them?
Replies: 7
Views: 856

Age 30, Moving from 15% to 25% tax bracket: Should I sell all my I-Bonds and rebuy them?

I'm moving from a 15% bracket (2015) to a 25% bracket (2016). I'm currently in my early 30s. I have a bunch of I-Bonds, all of them with 0% yield. All of them have also been held long enough to redeem. I know there is a 3mth loss of interest for early redemption. I have been thinking of redeeming/se...
by AndroAsc
Tue Jul 07, 2015 10:22 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds Revisited: Vanguard Target Fund uses 90% Equities until Age 40?!?
Replies: 15
Views: 1193

Re: Age in Bonds Revisited: Vanguard Target Fund uses 90% Equities until Age 40?!?

I understand that the age in bonds is not meant to be an inviolable rule, but the fact that Vanguard recommends selecting a target fund to the estimated date of retirement, means that Vanguard's default recommendation for the masses, is that you should be in 90% equities until age 40. So my question...
by AndroAsc
Tue Jul 07, 2015 9:15 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds Revisited: Vanguard Target Fund uses 90% Equities until Age 40?!?
Replies: 15
Views: 1193

Age in Bonds Revisited: Vanguard Target Fund uses 90% Equities until Age 40?!?

I apologize if this is old news, but I realized that the Vanguard Target Funds are using 90/10 stock/bond allocation until age 40 (assuming retiring at age 65). That's way more aggressive from the "age in bonds rule". I'm currently in my early 30s, and I do a 80/20 stock/bond allocation, w...
by AndroAsc
Mon Jul 06, 2015 1:44 pm
Forum: Investing - Theory, News & General
Topic: If you don't care about volatility, are long-term bonds better than total bond?
Replies: 66
Views: 5923

If you don't care about volatility, are long-term bonds better than total bond?

This has been puzzling me for a while. In the bond component, we usually use total bond, which is really intermediate-term bonds. I admit this inspired by "recency bias" of bond yields. Over the long term, we know that LT bonds returns exceed IT or total bond returns. We also know that the...
by AndroAsc
Mon Jul 06, 2015 1:32 pm
Forum: Investing - Theory, News & General
Topic: "Helping Your Parents Financially"
Replies: 62
Views: 7775

Re: "Helping Your Parents Financially"

Can be tough if you have financially challenged parents. My dad is an avid speculator and has annualized 0% returns in his stock portfolio. I guess I should be grateful it is 0% returns and not a loss. My mom is well... afraid of equities and won't even invest in bonds because they can "lose va...
by AndroAsc
Fri Jun 12, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Under-reporting my income for renting at a new apartment
Replies: 13
Views: 1551

Under-reporting my income for renting at a new apartment

My current apartment rent keeps skyrocketing year-after-year, and I've decided to move a bit further from work into a cheaper area in my town. The new apartment is not in a ghetto, but the median income is substantially lower. My current area median income is $90k, and the place I am moving to has a...
by AndroAsc
Tue Jun 09, 2015 9:32 am
Forum: Investing - Theory, News & General
Topic: Rule for "Maximum" Cash Value in Value Averaging
Replies: 4
Views: 429

Rule for "Maximum" Cash Value in Value Averaging

In Value Averaging, you have an expected return of your portfolio, and when times are doing good, you accumulate a cash value which is used to top-up your portfolio during a bear market. I would like to discuss what "rules" do you use to ensure that you don't have too much cash value, whic...
by AndroAsc
Sat Jun 06, 2015 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Own Car but Rent: Can I have my own Auto & Non-Owned Policy?
Replies: 7
Views: 863

Re: Own Car but Rent: Can I have my own Auto & Non-Owned Policy?

In a prior life I frequently drove a government-owned vehicle (GOV). My insurance company (USAA) offered a cheap GOV rider (~$15/year) which covered me should I need it. Check with your auto insurance provider for similar non-owned vehicle coverage. Could be cheap insurance. My insurance does cover...
by AndroAsc
Sat Jun 06, 2015 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Own Car but Rent: Can I have my own Auto & Non-Owned Policy?
Replies: 7
Views: 863

Re: Own Car but Rent: Can I have my own Auto & Non-Owned Policy?

If you are involved in an accident you insurance company will find out even if you don't make a claim, they know everything. Do you drive rental cars 1/6 of the time? I would spend the money on an accident forgiveness rider with the insurance company you have now. It only costs a few dollars more I...
by AndroAsc
Fri Jun 05, 2015 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Own Car but Rent: Can I have my own Auto & Non-Owned Policy?
Replies: 7
Views: 863

Own Car but Rent: Can I have my own Auto & Non-Owned Policy?

I have my own car, but I do car rentals pretty frequently. Comprehensive & Collision on the rental car is covered by my credit card that provides primary insurance, so I don't have to claim with my Auto policy and get nasty rate increases. However, in the event of an incident, there may be liabi...
by AndroAsc
Wed Jun 03, 2015 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay $150 In Taxes On $150000 Income
Replies: 37
Views: 7134

Re: How to pay $150 IN TAXES ON $150000 Income

Article is very YMMV and misleading. Here's the assumptions that don't apply to everyone: 1) A couple maxing out their 401k and IRA. I'm a single person household, that's worth $23k. 2) Access to 457, which not everyone has, that's worth $17.5k 3) Access to HSA, which you will need a high deductible...
by AndroAsc
Mon May 04, 2015 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any stable value funds that returns ~3% outside of a 401k?
Replies: 12
Views: 1956

Re: Is there any stable value funds that returns ~3% outside of a 401k?

Looks like I may have to rollover into my 403b. The question I have now is, can you rollover to a 403b when you have left the company that offered/sponsored the 403b plan?
by AndroAsc
Sat May 02, 2015 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any stable value funds that returns ~3% outside of a 401k?
Replies: 12
Views: 1956

Is there any stable value funds that returns ~3% outside of a 401k?

My employer's TIAA-CREF 403b plan gives us access to the TIAA Traditional GSRA that is currently returning 3%. I was looking into purchasing more using an IRA or a taxable account, and it seems that the "outside" rates are only 1%. Are there any good stable value funds that returns about 3...
by AndroAsc
Fri May 01, 2015 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to a different state: Question about insurance
Replies: 3
Views: 460

Moving to a different state: Question about insurance

In a few months time I will be relocating to a different state, and I am unsure about the complications involved in insurance. Health insurance I'm currently using a PPO. I will be moving out of network (I think). Should I get a "local" insurance ASAP, or do I just stay with my old one? Th...
by AndroAsc
Tue Apr 28, 2015 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Getting a Car Loan through Dealer: Lump sum pre-payment?
Replies: 6
Views: 811

Getting a Car Loan through Dealer: Lump sum pre-payment?

I'm in the market for a new car (never owned one before) and the loan that comes with (this is also my first loan outside student loan). I am probably going to go in with my own financing, but I am open go through dealer financing if that gets me a better deal. If I can get a loan from the dealer, c...
by AndroAsc
Mon Apr 27, 2015 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 40
Views: 2998

Tax Loss Harvesting: How do you do it in practice?

I am familar with tax-loss harvesting, but I have not done it before. I only started regularly investing just after the 2008 crash. I have a simple question, how does one execute tax loss harvesting in practice? Since Bogleheads do not track their portfolio in real-time, how do you alert yourself to...
by AndroAsc
Wed Apr 15, 2015 7:08 am
Forum: Personal Finance (Not Investing)
Topic: How do you value a pension?
Replies: 18
Views: 1805

Re: How do you valuate a pension?

Should clarify something. The reason why I need to valuate a pension is for job comparison. A sample comparison might include: if I have a job paying $80k but with pension (using the formula outlined) vs a job paying $100k, assuming COL are the same, which job should I take, if the main consideratio...
by AndroAsc
Tue Apr 14, 2015 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: How do you value a pension?
Replies: 18
Views: 1805

How do you value a pension?

How do you valuate the "net worth" of a pension? If the formula is 1% of the average of the last 5 years of salary, for every year of service, how do I evaluate the current "net worth" of the pension? If for example the last 5 years salary is $100k, and I have 10 years at the com...
by AndroAsc
Thu Apr 09, 2015 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Disability Income Insurance - Individual vs Group
Replies: 7
Views: 313

Re: Disability Income Insurance - Individual vs Group

Thanks. First world problems I guess.....
by AndroAsc
Thu Apr 09, 2015 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Disability Income Insurance - Individual vs Group
Replies: 7
Views: 313

Re: Disability Income Insurance - Individual vs Group

Your current policy will have much better benefits than any group policy you will find. The agent is also correct that having group disability insurance available to you will limit the amount of FIO you can exercise, except you may not be able to opt out of the employer coverage. If the employer pa...
by AndroAsc
Thu Apr 09, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Disability Income Insurance - Individual vs Group
Replies: 7
Views: 313

Re: Disability Income Insurance - Individual vs Group

Your current policy will have much better benefits than any group policy you will find. The agent is also correct that having group disability insurance available to you will limit the amount of FIO you can exercise, except you may not be able to opt out of the employer coverage. If the employer pa...
by AndroAsc
Thu Apr 09, 2015 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Disability Income Insurance - Individual vs Group
Replies: 7
Views: 313

Disability Income Insurance - Individual vs Group

I hope there are some disability income insurance experts here! Would appreciate some help. 5 years back I purchased an individual disability income insurance. For the record, the product is Standard Protector Platinum, and I've basically maxed out all options, including the non-cancelable rider, in...
by AndroAsc
Mon Mar 30, 2015 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 63
Views: 6279

Re: Why Buying a *New* Car Makes Sense? Please help!

I think you are right: CPO cars are not a good deal for reliable, low depreciation vehicles that are unlikely to make any use of the warranty. CPO cars do not benefit from many manufacturer incentives, including financing, the drive down the cost of the new car. However, there are a couple problems...
by AndroAsc
Mon Mar 30, 2015 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 63
Views: 6279

Why Buying a *New* Car Makes Sense? Please help!

I am on the market for my first car, and I am an anti new car person, but all of my analysis points me to the fact that getting a new car is better. Please look at my analysis and tell me if I have forgotten to account for something. For the record, this analysis has only been done for the Toyota Co...
by AndroAsc
Sun Mar 01, 2015 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Question on Relocation Package (from Employer's perspective)
Replies: 6
Views: 644

Question on Relocation Package (from Employer's perspective)

One of the companies that I am in talks with for a career move has a relocation package, and earlier this week HR just went through some of the details. It was more of "generic" details, but if my understanding is correct the company will pay for 10% of the cost of selling a home, and 5% o...
by AndroAsc
Wed Feb 04, 2015 11:44 am
Forum: Investing - Theory, News & General
Topic: Why no talk about investing in Timber?
Replies: 14
Views: 1490

Re: Why no talk about investing in Timber?

So basically while it may be a good investment, there are no good tools to allow entry for the consumer-level investor?
by AndroAsc
Wed Feb 04, 2015 9:47 am
Forum: Investing - Theory, News & General
Topic: Why no talk about investing in Timber?
Replies: 14
Views: 1490

Why no talk about investing in Timber?

I've noticed on the GMO forecast over the past few years, Timber investments has always been forecasted with consistently high returns (I'm not sure about the actual returns since I've not looked at Timber investments before). But given that GMO forecast has been somewhat accurate historically, and ...
by AndroAsc
Thu Jan 29, 2015 6:43 am
Forum: Investing - Help with Personal Investments
Topic: How do I financially evaluate a company (for a job offer)?
Replies: 3
Views: 434

Re: How do I financially evaluate a company (for a job offer

I should also add that this company I am trying to evaluate is a slightly outside my domain of expertise, so it's a different industry as to my current job. Hence, the need to "objectively" evaluate it, as opposed to using my own personal knowledge.
by AndroAsc
Thu Jan 29, 2015 6:31 am
Forum: Investing - Help with Personal Investments
Topic: How do I financially evaluate a company (for a job offer)?
Replies: 3
Views: 434

How do I financially evaluate a company (for a job offer)?

Currently interviewing with several publicly listed companies. I know that as Boglehead investors we don't invest in individual companies, but if we needed to analyze a company financially and decide to "invest" in it, i.e. take the job offer, what is the best way to figure out the company...
by AndroAsc
Tue Jan 06, 2015 12:52 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 119
Views: 15043

Re: Vanguard introduces first muni bond index fund and ETF

Finally.... one year later, or was it more than that?

It's the same ER as the other Vanguard muni bond. Is there any reason to switch to this?
by AndroAsc
Sat Jan 03, 2015 9:21 pm
Forum: Investing - Theory, News & General
Topic: Bonds go in taxable (whitecoatinvestor aka EmergDoc article)
Replies: 154
Views: 17285

Re: Bonds go in taxable (whitecoatinvestor aka EmergDoc arti

I've been thinking about this as well, I think someone else has coined it as "relative" vs "absolute" tax efficiency. Is there any *REAL* solid reason as to why the "principles of efficient tax placement" is as it should be, apart from the nice sounding maxim that tax i...
by AndroAsc
Sat Jan 03, 2015 8:55 pm
Forum: Investing - Theory, News & General
Topic: Why not put 2x amt. of emergency funds in the market?
Replies: 19
Views: 2379

Re: Why not put 2x amt. of emergency funds in the market?

Do consider what the BH Wiki says, as avenger pointed out. http://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantaged_account This might seem a bit counter-intuitive to begin with, because you end up NOT having a dedicated emergency fund, but this is very sound advice... Putting away $50...
by AndroAsc
Sat Jan 03, 2015 8:13 pm
Forum: Investing - Theory, News & General
Topic: Poll: How long have you been with your current AA?
Replies: 44
Views: 2691

Re: Poll: How long have you been with your current AA?

Technically, my asset allocation has changed slightly over the years, but that's because of the limitations of the instruments in the past. Also, there are considerations such as insufficient IRA space!!! For example, I've always wanted international bond, and when Vanguard launched their internatio...
by AndroAsc
Fri Jan 02, 2015 7:16 am
Forum: Investing - Theory, News & General
Topic: Is a bond's SEC yield a good predictor of it's returns?
Replies: 8
Views: 1058

Is a bond's SEC yield a good predictor of it's returns?

Would anyone care to help in explaining what exactly does a SEC yield calculate and if it's a good predictor of the long-term returns of a bond fund? Here's what vanguard says: A non-money market fund's SEC yield is based on a formula mandated by the Securities and Exchange Commission (SEC) that cal...
by AndroAsc
Wed Dec 03, 2014 11:30 am
Forum: Personal Finance (Not Investing)
Topic: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?
Replies: 18
Views: 1570

Re: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fi

I just got my first moving violation traffic ticket (running a red light), which I honestly do not remember committing this act. ... Do not remember? Was this a camera violation--and MI counts it toward points? (Most states don't point you on this.) Pretty sure I'm getting points. It was not a red ...
by AndroAsc
Wed Dec 03, 2014 11:09 am
Forum: Personal Finance (Not Investing)
Topic: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?
Replies: 18
Views: 1570

Re: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fi

That's true. A bit more background, I found that traffic tickets are extremely difficult to contest where I live. Police officers always show up for court, so one cannot pull the reschedule and not show up trick...
by AndroAsc
Wed Dec 03, 2014 10:47 am
Forum: Personal Finance (Not Investing)
Topic: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?
Replies: 18
Views: 1570

1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?

I just got my first moving violation traffic ticket (running a red light), which I honestly do not remember committing this act. I'm based in MI. The fine is $100-ish and I get 3 points on my driver's license. I have a clean record and would like to keep it this way. My other option is to get a lawy...

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