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My letter had the following... TO UPGRADE YOUR CARD Simply look out for a new card in the mail in the coming weeks and activate it as soon as you receive it. Your existing card must be destroyed. Your new PenFed Platinum Rewards Visa Signature® card will replace your existing PenFed Platinum Rewards...

I got the notice back in early April I believe. My notice had an opt-out by May 10th. At the time, the PenFed Visa Signature card was not up on the website. On another financial forum (not retirement oriented), there was a decently long thread about it and people managed to call in for details about...

I am looking to augment my existing 2006 4Runner Sport 4WD with a fun daily drive. I've got a 16-mile one-way commute each day, and spent about 1.5 - 2 hours per day in the car. I always feel confident in the 4Runner and will have that thing until it's ready to be buried in the ground. But after hav...

Costco Item # 695532 Dell Ispiron 15 in Obsidian Black 15.6" HD Display Intel Core i5-3210M Processor (Dual-Core, 2.5 GHz, 3MB Cache) -- 3rd Gen I believe? 6 GB Memory 1 TB Hard Drive DVD +/-RW Drive Wireless-N USB 3.0 Webcam Bluetooth 6-cell Battery Windows 8 McAfee SecurityCenter Adobe Photos...

dad2000 and Brandon, I know you guys mean well but I how does it help me now. Can I remotely access the stolen drive and install TrueCrypt? If so, I'm all ears. Sorry, if I'm a little upset but it's been a harrowing day trying to see how I can fix this. Sorry, nothing you can do to the data now. Ju...

This isn't a response to your question, but please... if you store personal information on portable media (hard drive, USB stick, DVD, etc.), you should encrypt it. Unfortunately, theft of these items is very common. A free application called Truecrypt will do this conveniently and reliably. +1 Or ...

My work laptop is a Lenovo Thinkpad and it's a very, very solid machine. 6 months ago when they replaced my four-year old laptop with this one, I had a Thinkpad and insisted on getting a new one. All the way to the point of telling the tech to not even bother showing up with a Dell or HP as I would...

I have Vanguard's Stable Value Fund (called Retirement Savings Trust) in my Vanguard 401k

https://institutional.vanguard.com/VGAp ... undId=0034

If you can make it up to Dania Beach in Broward County (between Fort Lauderdale/Hollywood airport and North Miami Beach), go to Jaxson's Ice Cream Parlour! It's a classic and a must have experience, especially if you all order "The Kitchen Sink". Just beware that there will typically be a ...

This boglehead minimizes driver fatality risk choosing a model with zero driver deaths per million registered years and with all of the "latest" safety features. Why take more risk than you have the ability, willingness and need to take? http://www.iihs.org/externaldata/srdata/docs/sr4605...

My roommate is VERY happy with his Honda Fit. Bought it used about 18 months ago. He's racked up MANY miles on it and gets great fuel economy. Got a blank lab too and it's super convenient to LIFT the rear seats and put the dog in the back. Whenever we ride with him, he just puts the seats down and ...

Blues wrote:I can't be bothered chasing rates at a multitude of online banks but I'm pretty satisfied with what I'm getting from Ally overall and intend to stay with them until I limit out barring unforeseen developments.

I am also very happy with Ally and feel they do a good job overall.

The only thing I can add is that I've personally seen that the smaller, local or regional banks, while usually having better service and products, tend to have older and weaker IT systems. If you go with one of the bigger players (doesn't even have to be a MegaNational), you have a much greater chan...

I should note that I technically did not receive the notice. I have individual taxable and a 401k at Vanguard, and a joint taxable with someone else. On the joint account, the other member got notified electronically by email. That was on Wednesday 5/29. That said, I voted based on how she would res...

What you probably are seeing is common with modern smartphones -- lack of a heat dispersal method. In the house, there is likely circulation around the phone and/or in the room in general that allows the phone to dissipate heat. In the car, it's likely crammed in a corner of the car, a cup holder, i...

Browser, Have you tried charging the phone in the car charger and NOT using the GPS/NAV on it? Unless I missed something, in each test, you were running the GPS/NAV on your phone. As you saw in one of your posts, not even charging but using the GPS/NAV will warm up the phone! I use a dual-output USB...

My Stable Value fund doesn't list a SEC Yield, but does list a "Blend Yield (after fees)" of 2.32% as of 3/31/2013. I will take that as the distribution yield and compare against TBM here: https://personal.vanguard.com/us/funds/snapshot?FundId=0584&FundIntExt=INT#tab=4 For me, this com...

My work laptop is a Lenovo Thinkpad and it's a very, very solid machine. 6 months ago when they replaced my four-year old laptop with this one, I had a Thinkpad and insisted on getting a new one. All the way to the point of telling the tech to not even bother showing up with a Dell or HP as I wouldn...

NCBound, Sorry I have no advice to share, but I did want to send some positive thoughts your way. I cannot imagine what you are going through and feel you are approaching it in a very thought-out and non-emotional way. While that probably isn't how you are handling the actual event itself (nor shoul...

runner9 wrote:Glad the site is back! Reminded me of after Hurricane Sandy, I had to find something else to do with my time

I felt the same way!

Copernicus wrote:Thank you, that is helpful. I do not reinvest dividends. As for 86% S&P + 14% Russell 2000: Is that known to be composition of the Total US Stock Market? I wonder where one finds information such as this?

http://www.bogleheads.org/wiki/Approxim ... ock_Market

It doesn't cost anything extra to hold individual stocks that you already have, and as long as the portfolio is diversified, these stocks will serve the same function as a large-cap mutual fund such as an S&P 500 index. Thus, once you have your asset allocation, count this as part of your large...

I am thinking I should "protect" some gains on stock that I currently have. One in particular is showing a gain of 73.55%, but this might apply to many others. Strategy: lets say this stock is currently @ $100, bought @ ~$60. Lets also say I placed a limit sale for $90 that would run unti...

I ran into a similar problem with the Vanguard site earlier today. Looked like one of their load-balanced servers had a bad SSL certificate. Hitting refresh got me another server with no problems.

My mom worked for a company who was bought by a competitor. The company used ADP TotalSource as a PEO. Her boss was the new company, they picked her role, they decided her duties, they promoted her, all within the company. They had specific health insurance and retirement benefits in the name of the...

DamJam, Thanks for the heads up! For the International Holding, I plan to exchange it in the old 401k as I free up funds for future contributions other than my current 401k. My plan is to hold 100% of Total Int'l in my taxable. But until then, I will have to watch for it to avoid wash sales. Basical...

Been a whirlwind of a couple months and many changes in my financial life (promotion, bonus, selling one of the cars, etc.), so I thought I would update this post with a refresher. Didn't edit the Op so that the conversation could still be followed. Emergency funds: Yes, 5 months Debt: - Auto 1 - $0...

I began putting all my extra payments into VWLUX and switching the minimum for my remaining student loans. But then I'm also in the 25% bracket.

Didn't see your prior post. I wonder if banks will do a secured loan on an IRA CD. Can't hurt to check.

You could move your "bond" holdings to a CD at a bank and get a secured loan on the funds. Personally, I would find other avenues to finance what you need and I would adjust my spending to save as much of it as I could. Even just sticking a good portion in a decent rewards checking or Ally...

I've also learned to do a few repairs myself. There are lots of great step-by-step videos on YouTube. I've also watched what repairmen have done -- sometimes it is very easy to do what they are doing! I've been moving into this category lately. Replaced my Maytag/Whirlpool dishwasher door latch for...

Last I remember Wells was charging $50 per account to transfer PMA accounts out of Wells to another brokerage like Vanguard. Wonder if Vanguard would pickup that fee to transfer over to them, my old Scottrade brokerage told me they would pay those account closing fees if I ever decided to come back...

The Op and I talked over a PM. This was a case that the MF was NTF when originally bought, but no longer is. Confusing part is that some other duds from this family are still NTF. This isn't exactly the easiest info to find at WF. I personally had to use a "Custom Screener" to find out if ...

Surprised nobody has asked/mention this yet... Why would you buy the S&P 500 (presuming an index fund following it like the Vanguard 500) versus buy a total market fund that inherently includes the S&P 500 and a cap-weighted average of all the US Market (except micro-caps)? Any particular re...

I see myself doing number 1: continuing to be frugal. I do not like waste, and I love efficiency. I take vacations, go out to eat, and enjoy life, but I do so with purpose. I do not drink coke with dinner at restaurants because of the cost and health reasons, but if I really want a coke, I get one....

I wish I could change my passwords only every 6 months. My employer requires we change them every 33 days!

We use Verizon's Home Phone Connect for $9.99 (add'l line on our cell plan). Combine that with each of us having cells and having unlimited mobile to any mobile and friends and family to 10 #s, we have no need for the triple play. Instead, we've gotten antennas and get out HD OTA and just subscribe...

I wonder if the Op is confusing a NTF Mutual Funds and No Load MFs (but trading fee) with its equivalent ETF? In that case, the ETF would be subject to an $8.95 trading fee after the free 100. NTF Mutual Funds shouldn't count towards that 100, but $35 trading fee No-LOAD do. And if you finished out ...

I got one a few weeks ago when I saw my Vanguard account had my old name on it. Took it to my regular Wells Fargo by work and their only thing was a verbal requirement that the account be worth less than $2 million. Called three other locations by home and all three had "officers" that cou...

How did you do the rollover exactly? Did you have the check made out to Vanguard? My Roth isn't with Vanguard. But basically yes. My 401k required the name of the custodian and they mailed a check to my house made out to the Custodian FBO BrandonBogle. I then sent that check in with rollover paperw...

My previous employer's plan allowed this and I took advantage of it. Sadly, my current employer's plan does not. Hopefully some day that will change!

Some of us are fortunate enough to work for employers that allow us to put over 50k in a 401k. I wish that was still true for me!

Why is your topic subject headline screaming at us?

I'd suggest editing the first post to not be in all caps as in "Internet-speak", that constitutes yelling at the forum members/readers.

Split the difference 50/50. For now, SV will yield more. Going forward, it will either be comparable, or yield slightly more if rates shoot up and TBM takes a price depreciation hit. Either way, it's a safe haven at all times, so not a bad move for the long term in terms of risk. Personally, I'm spl...

Oh, looks like David might be saying that there essentially was no artificial increase of the return when the BDC expense was line-item listed

viewtopic.php?f=10&t=114980&newpost=1672914#p1672914

But since CRSP doesn't track BDCs and Vanguard is how fully converted to this index, shouldn't this mean that the fund no longer holds any BDCs? If so, then overall isn't it a reduction still? With the previous SEC ruling, weren't they adding back in the BDC expenses to the return of the underlying ...

btenny wrote:Is there any way to buy I bonds or EE bonds in an IRA?

No, but you can think of it like a Traditional IRA if you decide to defer taxes on the earnings until you cash it out (or it matures in 30 years, whichever comes first).

This is similar to the fraudulent returns that people file, impersonating others, to get a large refund. The victims eventually get these resolved, but it takes some effort. This is not fun. Going through it right now with mom. Got the false credit cards closed down and a fraud alert placed. Waitin...

When we had a telco landline, it was $39 or so a month. When we had cable landline, it was about $30 a month. So going to $10 to share our cell minutes or $20 for unlimited was a nice change. And the box has a high powered antenna that gets better reception than our phones, and has a battery backup....

I'm currently in something of an ant & grasshopper relationship where I am the ant and he is the grasshopper. We meet now, both divorced and an midlife - after two lifetimes of decisions, both good and bad, in retrospect. I am the ant - always saved, worked two jobs & grad school at night, ...

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