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by Brian2d
Fri Mar 20, 2015 1:34 pm
Forum: Personal Consumer Issues
Topic: Driving from NYC to Seattle, Must See places?
Replies: 12
Views: 1159

Re: Driving from NYC to Seattle, Must See places?

I love Colorado, but seems like rather than Denver and Vail you may want to head further north if you're headed toward Seattle. You mentioned Jackson, and there are also some great ski resorts in Montana and Idaho that may interest you. Flathead and Sun Valley come to mind but I'm sure they're not t...
by Brian2d
Tue Mar 03, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 4798

Re: Tourists in Manhattan

Another place to look for hotels where you can save a bit is Long Island City, which is 5-10 minutes from Manhattan and has good subway access. But at $300 a night you may be able to get a nice place right in Manhattan (I live in NYC so have not needed to look for hotels here and don't know what the...
by Brian2d
Wed Feb 25, 2015 4:54 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 21496

Re: What are Costco's best deals?

Thus far haven't even walked into a Costco store but have saved quite a bit on car rentals. The membership more than paid for itself on the first rental and the 2nd is allowing me to rent at the airport for the same price I would have gotten in town :happy
by Brian2d
Wed Feb 25, 2015 1:20 pm
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 9656

Re: Subaru and Consumer Reports ratings

I looked at both the Forester and the Outback and decided after test driving both to go with the Outback, which I liked better, for about $1,400 more than the Forester would have been. Haven't picked up the car yet (will do so in March when I move), but while I liked both I decided the larger car, s...
by Brian2d
Mon Feb 23, 2015 12:14 pm
Forum: Investing - Theory, News & General
Topic: Keep brokerage account at Vanguard?
Replies: 11
Views: 1437

Keep brokerage account at Vanguard?

Hi all, I am satisfied with Vanguard mutual funds and have no intention to move those, but I am questioning moving my brokerage account elsewhere. If so, I would do an in-kind transfer of assets (I don't own any Vanguard ETFs). Two things have prompted me to consider moving this. 1. In January, I wa...
by Brian2d
Mon Feb 23, 2015 11:51 am
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 1196

Re: Cross Country Ski Gear Tips/Destinations

I second Trapp Family Lodge at Stowe. Stowe also has its own XC center and the two are connected which is nice. My second favorite in the NE is Mt. Van Hoevenberg-Cascade (also connected) in Lake Placid. Moving to Colorado next month so any advice on best places in Colorado for XC would be much appr...
by Brian2d
Tue Jan 27, 2015 11:01 am
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 8509

Re: Rental Car Prices - is this the new normal ?

Thanks for the Costco tip. I just signed up for a membership after reading this forum for $55 and already saved $50 on my first rental which will be this Thursday. Looks like the membership will pay for itself pretty soon.
by Brian2d
Sat Jan 03, 2015 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Poll: Esoteric fund choice / comparison S&P500 vs Large-cap
Replies: 17
Views: 1357

Re: Poll: Esoteric fund choice / comparison S&P500 vs Large-

Flipped a coin. Came up heads, so I vote for the s&p fund.
by Brian2d
Thu Jan 01, 2015 10:12 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 5096

Re: Test drive new vehicle without sales pressure?

Thanks...i should add that my specific issue is with the push to buy now and asking about my decision making process and whatever....I have no problem hearing about the benefits of the car.
by Brian2d
Thu Jan 01, 2015 9:39 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 5096

Re: Test drive new vehicle without sales pressure?

Mudpuppy - will likely do that once I've narrowed the list down a bit.
by Brian2d
Thu Jan 01, 2015 9:26 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 5096

Re: Test drive new vehicle without sales pressure?

I wish there was a DYI option here like we have with investment. Here I have to deal with the commissioned salesperson.
by Brian2d
Thu Jan 01, 2015 6:53 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 5096

Re: Test drive new vehicle without sales pressure?

Thanks all for the advice. Signed up for an Enterprise Car Share acct so I can test a couple of the cars by the hour...However for a couple of them that won't work.
by Brian2d
Thu Jan 01, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 5096

Re: Test drive new vehicle without sales pressure?

Today I was refused a test drive at one of the dealerships because I said I wasn't buying today. At the second dealership I played along, got the test drive, but had to listen to the sales crap.
by Brian2d
Thu Jan 01, 2015 3:39 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 5096

Test drive new vehicle without sales pressure?

Hi all, Hope this is the right forum, feel free to move if it is not I'm looking at buying a new car for the first time in my life. I want to do test drives but I cannot stand the sales pressure I am getting to move quickly (I know I will resist it but find it irritating and just don't want to deal ...
by Brian2d
Mon Dec 22, 2014 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Moving to lower-tax state: 401k contribs
Replies: 3
Views: 896

Moving to lower-tax state: 401k contribs

Hi all,

I will be moving from a higher tax to a lower tax state in March-April of 2015.

If I front-load 401k contributions, will that have the effect of lowering my income earned in the higher-tax state, or will I owe the same at the end of the year regardless of when the contributions occur?
by Brian2d
Tue Dec 02, 2014 11:08 pm
Forum: Investing - Theory, News & General
Topic: I need to stop looking at the market everyday!
Replies: 36
Views: 3886

Re: I need to stop looking at the market everyday!

If the market goes up I think about my net worth going up. If the market goes down, I think about the fact that I'm getting a sale on my new investments. Look at the glass half full either way. :D
by Brian2d
Mon Dec 01, 2014 11:34 am
Forum: Investing - Theory, News & General
Topic: Ken Fisher - Why I hate annuities
Replies: 69
Views: 6549

Re: Ken Fisher - Why I hate annuities

Single premium immediate annuities and variable annuities with secondary guarantees are two very different products and should not be lumped together.

It sounds like Ken Fisher is opposed to the latter but instead of specifying this just says he's against annuities in general.
by Brian2d
Wed Nov 26, 2014 3:53 pm
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 75
Views: 4258

Re: POLL: Attitude Towards Risk

B I'm getting compensated for taking risk, D I'm not. So B and C.
by Brian2d
Wed Nov 19, 2014 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: New teenage driver - which car for insurance
Replies: 31
Views: 3680

Re: New teenage driver - which car for insurance

Jack FFR1846 wrote: At the end of the day, why would you ask a bunch of annonymous internet people rather than your insurance agent?


I thought asking annonymous internet people rather than insurance agents for advice was what Bogleheads is all about. :wink:
by Brian2d
Mon Oct 20, 2014 9:50 am
Forum: Investing - Theory, News & General
Topic: What's a good fund to do a backdoor Roth IRA with?
Replies: 5
Views: 601

Re: What's a good fund to do a backdoor Roth IRA with?

I deposit first to my traditional IRA money market. Once the contribution is posted (1-2 days) I transfer from traditional money market to Roth IRA in the fund I want (usually VTSAX or VTIAX).
by Brian2d
Sun Oct 19, 2014 10:06 pm
Forum: Investing - Theory, News & General
Topic: Just curious: What if markets were open 24/7
Replies: 8
Views: 1353

Just curious: What if markets were open 24/7

Purely hypothetical.

What would it mean for investors if markets were open 24/7 and anyone could make any trade at any time? Would this be desirable? Why or why not?
by Brian2d
Wed Oct 15, 2014 8:10 pm
Forum: Investing - Theory, News & General
Topic: New case of Ebola in U.S.: Is it the latest market headwind?
Replies: 13
Views: 1351

Re: New case of Ebola in U.S.: Is it the latest market headw

As long as we can cite specific cases as to why we're worried, rather than the number of cases, it's not worth worrying about. May be a good time to buy airline stocks...which ones are likely most impacted (without just cause) by this.
by Brian2d
Thu Oct 09, 2014 8:47 pm
Forum: Investing - Theory, News & General
Topic: It's a good day to be Heavy in Bonds ---- 10-09-2014.......
Replies: 13
Views: 1731

Re: It's a good day to be Heavy in Bonds ---- 10-09-2014....

I get paid tomorrow, hope market doesn't bounce back til after then.
by Brian2d
Tue Oct 07, 2014 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: How high of 401k expenses can you tolerate?
Replies: 3
Views: 410

Re: How high of 401k expenses can you tolerate?

Depends on how long you expect to remain with employer. If you expect to be with the employer a short time, the future tax-deferred growth will outweigh the cost of the crappy 401k. Conversely, the longer you're there, the longer the higher fees would eat into the return and the greater the likeliho...
by Brian2d
Tue Oct 07, 2014 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard > Fidelity 401k & Should I Buy New Company's Stock?
Replies: 5
Views: 626

Re: Vanguard > Fidelity 401k & Should I Buy New Company's St

Agree with dbr if your company is willing to give you stock on advantageous terms that are not available to the public it is worth considering (my previous company had terms which were way too good to pass up). Otherwise absolutely avoid it as you already have your human capital linked at least to s...
by Brian2d
Thu Oct 02, 2014 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Ameriprise 12b-1 fee; can it be waived?
Replies: 4
Views: 429

Re: Ameriprise 12b-1 fee; can it be waived?

I believe that front end loads can be waived on any class A share funds.

However, I believe the only way to get 12b1 fees waved is to have a share class of a fund that doesn't have any 12b1 fee. From the ticker symbols you should be able to tell if he's paying a 12b1 fee or not.
by Brian2d
Mon Jul 21, 2014 11:11 pm
Forum: Investing - Theory, News & General
Topic: NY Times Article - a case for index investing
Replies: 23
Views: 3077

Re: NY Times Article - a case for index investing

I also found it interesting (and fairly typical of mainstream media articles) that he compared the two small cap funds to the S&P 500 when there are far better benchmarks for a small cap fund, such as a small cap index. Overall a good article though, and I wonder if the fund managers' humility m...
by Brian2d
Sat Jul 19, 2014 3:19 pm
Forum: Investing - Theory, News & General
Topic: I was tempted to market time and didn't
Replies: 19
Views: 1878

I was tempted to market time and didn't

As part of the Boglehead philosophy, I have avoided market timing and have not done so since I've started reading this forum. However, after the events on Thursday, I was tempted to after the big drop on Thursday which I had a feeling was due to an overreaction to events that would likely reverse (n...
by Brian2d
Sun Jun 22, 2014 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 57
Views: 5482

Re: Anyone switch to non-branch banking?

Livesoft, any time when you needed $ in an emergency? How did you handle it?
by Brian2d
Sun Jun 22, 2014 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 57
Views: 5482

Anyone switch to non-branch banking?

Hi all, Thinking about switching to Schwab's checking account, as I like the features. However, still leaning against it because I have good branch alternatives (granted the terms are not quite as good) and I worry about being able to get out more than the max amount I can withdraw from an ATM in an...
by Brian2d
Sun Apr 27, 2014 5:59 pm
Forum: Investing - Theory, News & General
Topic: POLL: the WORST financial advice you've given/received?
Replies: 61
Views: 15516

Re: POLL: the WORST financial advice you've given/received?

A relative (who is an agent for an insurance company) tried to sell me a high fee variable annuity with an income guarantee 3 1/2 years ago at a family event. I was 27 at the time. While it was still a few months before I started visiting this site, I luckily had enough of an idea about these produc...
by Brian2d
Wed Apr 16, 2014 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Group Annuity Fund Selection: PIMCO or bust?
Replies: 8
Views: 514

Re: 401k Group Annuity Fund Selection: PIMCO or bust?

In part it depends on how long you plan to be with the employer vs your investment horizon. I did a spreadsheet calc (rough) assuming 6% return before fees and taxes, and assuming same tax rate now and at retirement, you will come ahead with the taxable account if you spend the entire time paying th...
by Brian2d
Thu Apr 10, 2014 9:07 pm
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 10013

Re: Annuities

This form is very much in opposition to certain types of annuities. It is more favorable to other types. Unfortunately too many different types of instruments, ranging from the excellent to the terrible, get lumped together under the term "annuity"
by Brian2d
Wed Apr 09, 2014 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Index vs ETFs in 401k
Replies: 4
Views: 251

Re: Index vs ETFs in 401k

If the ETFs require a brokerage window, there's often a fee associated with that so if the ERs are the same you may be better off using the mutual fund version of the fund.
by Brian2d
Wed Apr 09, 2014 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in May
Replies: 2
Views: 305

Re: Rebalancing in May

Look at how well "sell in may and go away" would have worked out last year.

Rebalancing is best done when the target/time for rebalancing that you have decided in advance is hit.

Sell in May and go away was an example of seeing a signal when there is none.
by Brian2d
Tue Mar 25, 2014 6:48 pm
Forum: Investing - Theory, News & General
Topic: Post your IPS [Investment Policy Statement]
Replies: 14
Views: 2127

Post your IPS [Investment Policy Statement]

Hi all.

Trying to come up with an IPS and am curious as to what others have done for theirs.

Will post mine once I come up with it.

Thanks.

Brian
by Brian2d
Thu Mar 20, 2014 7:12 pm
Forum: Investing - Theory, News & General
Topic: Are people really selling at the bottom of the market ?
Replies: 16
Views: 3380

Re: Are people really selling at the bottom of the market ?

I would say the guy buying, whether due to rebalancing or any other reason.
by Brian2d
Thu Mar 20, 2014 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: 1099r form
Replies: 3
Views: 237

Re: 1099r form

From the linked document. This basically indicates that there is a taxable amount but no early withdrawal penalty (which doesn't apply to life insurance, which is why there's no age under (c) like there is in (a) and (b). So this is normal taxable income that's being reported correctly, whether it's...
by Brian2d
Fri Mar 14, 2014 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a wash sale and do I have to amend
Replies: 6
Views: 439

Re: Is this a wash sale and do I have to amend

Thanks. I believe that since they are old shares and I can't change cost basis at this point it is in fact a wash sale by that description. Does this mean I have to amend?
by Brian2d
Fri Mar 14, 2014 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a wash sale and do I have to amend
Replies: 6
Views: 439

Re: Is this a wash sale and do I have to amend

Thanks for the help.

The 5/29 purchase was not my original purchase of VTSAX. Does this change anything?

Otherwise, thanks for clearing that up.
by Brian2d
Fri Mar 14, 2014 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a wash sale and do I have to amend
Replies: 6
Views: 439

Is this a wash sale and do I have to amend

I just discovered (after filing) that I bought VTIAX on 5/29/2013 and sold some at a loss on 6/05/2013. I thought this meant I have a wash sale, but Vanguard did not report one on my 1099-B. The amount of the loss was $171, and would lead to additional federal tax of $26 (in case there is a threshol...
by Brian2d
Thu Mar 06, 2014 11:30 pm
Forum: Investing - Theory, News & General
Topic: Hit a milestone today. Thanks Bogleheads!
Replies: 31
Views: 5060

Re: Hit a milestone today. Thanks Bogleheads!

Great job Snoop. I was there 5 years ago...combination of a nice bull market (pure luck) and relentless savings (maxing 401k +IRA, plus saving any excess) got me from there to where I am now.
by Brian2d
Thu Mar 06, 2014 11:15 pm
Forum: Investing - Theory, News & General
Topic: Hit a milestone today. Thanks Bogleheads!
Replies: 31
Views: 5060

Hit a milestone today. Thanks Bogleheads!

I hit a major milestone today, half a million in assets. Wanted to thank the Bogleheads for getting me focused on increasing my savings rate, which was key to reaching this point. I know as soon as the next crash happens this number will go down, but even so I will stay the course and stick with the...
by Brian2d
Mon Mar 03, 2014 9:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 105
Views: 17495

Re: You know you're a Boglehead when ...

You're hoping for a market dip before payday so you can invest your retirement plan money at lower prices.
by Brian2d
Sun Mar 02, 2014 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Guaranteed 7% return too good to be true??
Replies: 19
Views: 3492

Re: Guaranteed 7% return too good to be true??

Absolutely take advantage of the TDA. One great perk of being a NYC teacher. This is one rare case where it's not too good to be true. BTW if you can hold your fixed allocation in TDA absolutely no need to hold any other bond funds. The debate here about whether or not people should hold bonds is sk...
by Brian2d
Sun Jan 12, 2014 10:53 pm
Forum: Investing - Theory, News & General
Topic: Best Boglehead lesson
Replies: 74
Views: 5755

Best Boglehead lesson

Just wondering what's been the most valuable thing people have taken away from this site. For me it has definitely been to save more and maximize tax advantage space. I've gone from saving about 5th per year in my 401k to maxing it out and am seeing my portfolio grow nicely as a result. Learning. Th...
by Brian2d
Thu Jan 09, 2014 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park money for next year's roth?
Replies: 27
Views: 1690

Re: Where to park money for next year's roth?

I view my future Roth contributions as part of my overall allocation and unlike other money needed in the short term, as part of my long term portfolio, as I view it as a tax arbitrage move rather than a new investment. This would not apply if you don't have a sufficiently large long term taxable ac...
by Brian2d
Sun Jan 05, 2014 10:50 am
Forum: Investing - Theory, News & General
Topic: Tilting towards small/emerging in internatonal
Replies: 3
Views: 504

Tilting towards small/emerging in internatonal

What are people's thoughts on tilting in international towards emerging markets/small caps. I see three options to do this. 1. VSS - International small cap (Seems better as an ETF than the Vanguard Mutual Fund with a 20 bps lower expense ratio) 2. VEMAX- Emerging Markets 3. Emerging Market Small Ca...
by Brian2d
Sat Jan 04, 2014 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Mkts Small Caps (EWX)...bleh?
Replies: 27
Views: 2848

Re: Emerging Mkts Small Caps (EWX)...bleh?

Is EEMS a better alternative?
by Brian2d
Fri Jan 03, 2014 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF or Fidelity for 401A
Replies: 15
Views: 1170

Re: TIAA-CREF or Fidelity for 401A

I have the institutional international, large cap value, and S&P index funds from TIAA-CREF. Expense ratios on the institutional class TIAA-CREF funds, which you indicate you have, are .07% for S&P and .08% for the large cap value and international, and .15% for the small cap blend.

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