Search found 117 matches

Return to advanced search

Re: getting employer to change 401k

Just to give others encouragement, I would like to let you know that I have been suggesting for about 2 years that our company change the fund selections or provider... and now they have. We've gone from mediocre to better. More choices and more index funds. There are the occasional dogs in there, b...
by C8H18Engineer
Thu Jan 22, 2015 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: getting employer to change 401k
Replies: 11
Views: 808

Re: Time to protect against rising inflation?

I follow my IPS - and as far as timing goes, I just try to maintain that allocation to inflation protected assets (20% of bond asset class). I recently traded REIT for Inflation Protected Securities because the REIT was above my IPS target by more than my re-balancing band threshold, and the Inflati...
by C8H18Engineer
Fri Jan 16, 2015 11:24 am
 
Forum: Investing - Theory, News & General
Topic: Time to protect against rising inflation?
Replies: 31
Views: 2635

Re: Spousal IRA and Immediate Roth Conversion

If you qualify based on income for Roth, why would you not go directly to spousal Roth IRA?

If you don't qualify for a Roth based on income, I didn't think you could get money into a Roth by backdoor... need an IRA expert to weigh in on this - anyone?
by C8H18Engineer
Thu Jan 15, 2015 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spousal IRA and Immediate Roth Conversion
Replies: 11
Views: 587

Re: Vanguard and DFA #1 & #2 Fund Inflows

.... Shouldn't there be a gobzillion default target date fund contributions pouring in from 401ks all over the place to these larger players? <...> Perplexed... My 401k does not have a single target date option. Maybe that is so for many of the 401k plans, so being stuck with the best of a bad lot ...
by C8H18Engineer
Tue Jan 06, 2015 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2845

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2,143.31 good as any guess... I guess.
by C8H18Engineer
Sat Jan 03, 2015 12:04 am
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19732

Re: database software for personal checking account?

You could try GnuCash - which is free and open source, supporting QIF format, if your bank can supply the files.
by C8H18Engineer
Thu Dec 04, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: database software for personal checking account?
Replies: 4
Views: 426

Re: Suggestions for the Wiki

Wiki page http://www.bogleheads.org/wiki/HSA#HSA_custodians_and_options needs to be updated for HSA Adminsitrators. The link to their fee schedule has changed: http://healthsavings.com/members/fees/
by C8H18Engineer
Wed Dec 03, 2014 4:46 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 292
Views: 137238

Re: HSA

I was also looking at HSA Administrators, but couldn't find anything on their website about fees.

The Wiki has a link http://hsaadministrators.info/hsa-fees but this gets bumped to their new web page.

Where did you find the fee schedule?
by C8H18Engineer
Wed Dec 03, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA
Replies: 8
Views: 966

Re: U.S. stocks in freefall

Is the stock market decline permanent or temporary? Have US companies announced that they are slashing their dividend payments? If you look at divstat, you'll see the number of companies decreasing dividends is not looking good, approaching the levels seen around end of 2008. But who knows? This is...
by C8H18Engineer
Tue Dec 02, 2014 9:33 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 221150

Re: HSA Account - Health Savings Administrators?

Vanguard directs people to this provider... I could not find the fee schedule on Health Savings Administrators website - does anyone know if the fee schedule has changed for 2014/2015? I'm considering the HDHP with HSA this year as it is a net annual savings of over 3 K USD, while I'm only taking ab...
by C8H18Engineer
Thu Nov 13, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA Account - Health Savings Administrators?
Replies: 3
Views: 579

Re: Your very first email

1988, from a university where I had a mainframe account. I sent an e-mail to my sister who worked at a defense contractor. We were on Bitnet, and she was on DARPA. At that time e-mail did not automatically route, and you had to specify how to hand it to a server that knew another server that knew an...
by C8H18Engineer
Thu Nov 06, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Your very first email
Replies: 60
Views: 2583

Re: Vanguard web site changes

I have an RSA key fob from another broker. For me that has performed well for two factor authentication. No texting required.
by C8H18Engineer
Tue Nov 04, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 7666

Re: Does the future of exp ratios factor into your decision?

I guess I also observed that the general trend was for lowering expenses, and I never really considered the future change in ER. However, I recently participated in a proxy vote that proposed to FIX the ER at 0.4%, implying that it would never be able to go lower in the future. I voted NO. And if it...
by C8H18Engineer
Fri Oct 31, 2014 10:17 am
 
Forum: Investing - Theory, News & General
Topic: Does the future of exp ratios factor into your decision?
Replies: 21
Views: 1112

Re: Homeowners Policy Increased 26% in 2 Years

Wow. Do you need such a low deductible? You should compare what it looks like at various deductible levels. If you have a significant emergency fund, I would expect it to be available for such emergencies, and if they don't happen, then there is more left over to invest each year.
by C8H18Engineer
Fri Oct 31, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Homeowners Policy Increased 26% in 2 Years
Replies: 29
Views: 2673

Re: Angry when stock market is down

Why get angry at something you can't control? If you have a long time horizon and automatic contributions, why don't you just stop looking? These little blips are unimportant. I actually wish the market would got down every other Thursday so when my 401(k) contributions buy shares on payday I'd get...
by C8H18Engineer
Fri Sep 12, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4562

Re: Trying to get my company to switch to Vanguard 401(k)

... Vanguard is extremely transparent about their 401k plan. They openly say that the record keeper is Acensus. The cost of the Vanguard 401k plan are as follows: BUNDLED (Start-up: $1,000, Conversion: $1,500) Participants Pricing < 16 Participants $3,475 Participants 16 – 50 $3,475 + $75 per parti...
by C8H18Engineer
Wed Sep 10, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to get my company to switch to Vanguard 401(k)
Replies: 24
Views: 2185

Re: Changed Roth to Vanguard: 1 month later 2 cent check

Hey, at least you got a check... my former custodian simply deleted the 32 cents posted after the transfer out.
by C8H18Engineer
Wed Aug 13, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Changed Roth to Vanguard: 1 month later 2 cent check
Replies: 13
Views: 1304

Re: What octane gas do you use to fill your car?

Many thanks to the helpful posts by the many knowledgable contributors. So here's my proposal: - Manual recommends 91 octane - Local pumps provide 87, 89, or 93 - about $.20/gal difference between each grade. - Solution: Fill the tank half full with 89 and the other half with 93 -- savings of $1.60...
by C8H18Engineer
Tue Jul 08, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 6410

Re: What octane gas do you use to fill your car?

You need a new category for those who live in the mountains. I use 85 (R+M)/2 since I am at over 7,000 ft above sea level.
by C8H18Engineer
Tue Jul 08, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 6410

Re: Article on Amish approach to personal finance

car?... simple answer - don't own one. Use a horse-drawn carriage or walk/bike.
by C8H18Engineer
Tue May 06, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Article on Amish approach to personal finance
Replies: 12
Views: 1970

Re: Problem with Vanguard website

I called Vanguard, but of course they were too busy. Something is up.

I am able to login from my mobile device just fine, but IE and Chrome are a no-go.
by C8H18Engineer
Fri Apr 11, 2014 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Problem with Vanguard website
Replies: 25
Views: 2197

Re: Problem with Vanguard website

Seems messed up right now... I tried accessing it from two parts of the country. Images are broken and web pages malformed. I checked the static image host and it shows down: https://static.vgcontent.info/ret/hnw/web/images/gh2/vg_logo.gif Website Name: static.vgcontent.info URL Checked:no response ...
by C8H18Engineer
Fri Apr 11, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Problem with Vanguard website
Replies: 25
Views: 2197

Re: U.S. stocks in freefall

Is the stock market decline permanent or temporary? Have US companies announced that they are slashing their dividend payments? If you look at divstat, you'll see the number of companies decreasing dividends is not looking good, approaching the levels seen around end of 2008. But who knows? This is...
by C8H18Engineer
Fri Apr 11, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 221150

VDMAX to VTMGX Conversion ER went up?

Did anyone else notice in the reorganization proxy that was sent out that the ER was shown to be 0.09% for Admiral shares in both of these funds before the merger, then at the merger the new fund has a slightly higher ER (0.10%)? While it's not much, I would have expected more accurate info in the i...
by C8H18Engineer
Fri Apr 04, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: VDMAX to VTMGX Conversion ER went up?
Replies: 3
Views: 591

Re: Paying extra directly onto mortgage

If you have good credit, you should refi at today's low rates and save the difference in your own chosen asset allocation.

On the matter of Edward Jones as a institution of choice, I think you should take a hard look at others, paying particular attention to the costs.
by C8H18Engineer
Fri Mar 07, 2014 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying extra directly onto mortgage
Replies: 17
Views: 1653

Re: Rebalancing When Tax-Advantaged Are Full of Bonds

I asked a similar question a while back having to do with "perfect" tax efficient placement. There were a few suggestions on how to expand the tax sheltered space you may want to consider:

http://www.bogleheads.org/forum/viewtopic.php?f=10&t=130649
by C8H18Engineer
Fri Feb 28, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing When Tax-Advantaged Are Full of Bonds
Replies: 7
Views: 1494

Re: 401(k) S&P500 Stock Index Fund that doesn't pay dividend

OK, the primary benchmark is the SP 500 TR, which I believe includes reinvestment of all distributions, so it looks OK 2008 2009 2010 2011 2012 2013 ### Total return % -37 26.5 15 2 15.9 32.2 -3.5 S&P 500 TR USD -37 26.5 15.1 2.1 16 32.4 -3.5 Russell 1000 TR US -37.6 28.4 16.1 1.5 16.4 33.1 -3.2...
by C8H18Engineer
Thu Feb 27, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) S&P500 Stock Index Fund that doesn't pay dividends
Replies: 30
Views: 2399

Re: 401(k) S&P500 Stock Index Fund that doesn't pay dividend

My concern is that it tracks the price of the index, but not the total return (less by at least the dividends). To me that is a significant loss of compounding and a reason to press the 401k committee to get a more favorable index fund in there.
by C8H18Engineer
Thu Feb 27, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) S&P500 Stock Index Fund that doesn't pay dividends
Replies: 30
Views: 2399

401(k) S&P500 Stock Index Fund that doesn't pay dividends

So, I've got one (1) broad market index fund in my 401k that is called SSgA S&P 500 Index SL-III - one would think is like SSgA's generally available fund under ticker SVSPX. It's the lowest cost by far of anything in my selections, so I have a fair bit in that investment. What I noticed last ye...
by C8H18Engineer
Thu Feb 27, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) S&P500 Stock Index Fund that doesn't pay dividends
Replies: 30
Views: 2399

Re: Hitting the Roth Phaseout, Do I understand this correctl

OK, so it seems for those currently in high income bracket with sizable pre-tax rollover IRA, not eligible for Roth contributions due to MAGI, could take the following strategy to eventually get more money into Roth: 1) Contribute to the tIRA each year and grow this tax advantaged space 2) Early in ...
by C8H18Engineer
Wed Feb 19, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hitting the Roth Phaseout, Do I understand this correctly?
Replies: 17
Views: 1111

Re: Hitting the Roth Phaseout, Do I understand this correctl

I'll be doing the back door roth for the first time in the next week. So i have read about it in theory, but haven't practiced yet so take that for whats its worth. But why not just contribute to the IRA account first (assuming you don't have any other IRA or existing roll overs with pre-tax in com...
by C8H18Engineer
Wed Feb 19, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hitting the Roth Phaseout, Do I understand this correctly?
Replies: 17
Views: 1111

Re: Source for monthly fund data feed (i.e. Morningstar, etc

Both Yahoo and Google Finance have web interfaces to query and download a .CSV file with daily data, which you can parse with an application. I wrote a fun program to track several thousand tickers and run some statistics looking for trends, peaks, etc. It was before I caught on to index investing, ...
by C8H18Engineer
Tue Feb 04, 2014 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Source for monthly fund data feed (i.e. Morningstar, etc)
Replies: 14
Views: 811

Re: devices to maximize a car's fuel economy

You can't fool thermodynamics - the best bet is to change your driving habits. There are many posts on other boards about "hyper-mileage" techniques. You may want to look into these. But basic ones are : No "jack-rabbit" starts leaving a stopped position Leave plenty of space in ...
by C8H18Engineer
Tue Jan 14, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: devices to maximize a car's fuel economy
Replies: 64
Views: 3768

Does tax efficient allocation cause glide path issue?

If one has chosen a strategy to do age-x in bonds and is trying to be tax efficient by placing equities in taxable and bonds in tax-deferred, does this create an issue as you approach retirement age? In the expected scenario, your highest income years are the final working ones, but with a pure tax ...
by C8H18Engineer
Tue Jan 14, 2014 10:37 am
 
Forum: Investing - Theory, News & General
Topic: Does tax efficient allocation cause glide path issue?
Replies: 3
Views: 548

Re: Schwab or Vanguard for rollover IRA ?

For me I found that Vanguard is more aligned with my long term needs. I don't need a brokerage account since I am done with the day trading folly. Beware of those teaser gimmicks - these are businesses that will make that back from your earnings over time, and then some.
by C8H18Engineer
Sun Jan 12, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab or Vanguard for rollover IRA ?
Replies: 15
Views: 1177

Re: MAGI question

Considering the typical accumulation-phase person, just to clarify the "income" element, which of the following are included: 1. wages tips 2. long term capital gains 3. short term capital gains 4. qualified dividends 5. ordinary dividends 6. interest in taxable accounts (CD, bank, etc) 7....
by C8H18Engineer
Wed Jan 08, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: MAGI question
Replies: 7
Views: 810

Re: Ozone generators for odor removal?

Just be aware that ozone chews up anything rubber or plastic, such as seals and gaskets on things that might be important or expensive. You don't want elevated ozone levels 24/7.
by C8H18Engineer
Fri Jan 03, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Ozone generators for odor removal?
Replies: 20
Views: 1680

Re: First time doing my own taxes

Someone posted this tax calculator link a while back in an earlier thread ,here it is again ,may be of assistance :happy http://www.taxcalculator.org/ pretty decent calculator. It is missing the refundable credits though. +1 Also I can't seem to enter a business loss (the minus symbol just gets del...
by C8H18Engineer
Fri Jan 03, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: First time doing my own taxes
Replies: 37
Views: 1754

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1890.5 just pacing inflation.
by C8H18Engineer
Thu Jan 02, 2014 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 15851

Can you 401k + Roth IRA + tIRA?

I was reading the rules for traditional IRA using after tax $ and it seems one can use this regardless of coverage under an employer's 401k plan. Does this mean a person with sufficient earned income could contribute these amounts in 2013? 401(k) 17,500 Roth IRA 5,500 (subject to MAGI threshhold) Tr...
by C8H18Engineer
Mon Dec 23, 2013 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you 401k + Roth IRA + tIRA?
Replies: 3
Views: 458

Re: Best "Indirect Financial advice" you ever received?

It's hard to beat the S&P 500 (suggesting that you not try in vain)
by C8H18Engineer
Wed Nov 13, 2013 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best "Indirect Financial advice" you ever received?
Replies: 66
Views: 3757

Re: Investing Company funds at Vanguard

The corporation owns the accounts. Typically your articles of incorporation will require a referendum to open the account, so you'll need to dig up the articles for Vanguard. It may require paper signatures as well - I know our bank did. The way we ran it, the directors recorded in the meeting minut...
by C8H18Engineer
Wed Nov 13, 2013 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing Company funds at Vanguard
Replies: 5
Views: 344

Re: Weather Stations

Weather Underground has a fairly extensive list. Check the reviews of the stations. AcuRite seems to have the most features for the price, but maybe you get what you pay for there.

http://www.wunderground.com/weatherstation/setup.asp#hardware
by C8H18Engineer
Tue Nov 12, 2013 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Weather Stations
Replies: 7
Views: 647

Re: Morningstar list-article on funds with good investor ret

I see that the Fidelity FSTMX fund is less tax efficient and has generally higher turnover than VTSAX - can this play into the inventor returns difference? Look also at the "total cost ratio" and you see that VTSAX is ultimately lower cost as well. If it is a cash in/out timing, perhaps a ...
by C8H18Engineer
Tue Nov 12, 2013 8:25 am
 
Forum: Investing - Theory, News & General
Topic: Morningstar list-article on funds with good investor returns
Replies: 23
Views: 2065

Re: Roku Private Channels

As far as I can tell, you can only stream a few of the archived shows from HGTV, not live. CBS has a good set of archived programs.
by C8H18Engineer
Mon Nov 11, 2013 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Roku Private Channels
Replies: 7
Views: 2251

FSA Use it or Lose it Modified - carryover $500

[Thread merged into here. --admin LadyGeek] As I understand it the Treasury Department modified the rule and issued a notice on Oct 31, 2013 which says that plan sponsors may allow employees to carry-over up to $500 of any remaining balance rather than lose it at the end of the year. See their post...
by C8H18Engineer
Fri Nov 08, 2013 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: FSA gains $500 rollover feature
Replies: 42
Views: 3769

Re: Is Google Voice going away?

So what are the alternatives for VOIP service... most I see are about $20+ per month, but I was looking for basic service for something on the order of $20 per year! :?: I use Anveo for my incoming DID. For outgoing, I use CallWithUs. Anveo "Personal Unlimited" looks pretty close to what ...
by C8H18Engineer
Fri Nov 08, 2013 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Is Google Voice going away?
Replies: 14
Views: 3108

Re: Is Google Voice going away?

So what are the alternatives for VOIP service... most I see are about $20+ per month, but I was looking for basic service for something on the order of $20 per year! :?:
by C8H18Engineer
Fri Nov 08, 2013 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Is Google Voice going away?
Replies: 14
Views: 3108

Re: Have you ever moved for lower cost of living?

In my recent move, COL was one of several factors - I was certainly trying to get away from what I felt was over-taxation. When I finally settled on a state, and general area, I looked at county-level taxes and was surprised that I could get about $4,000 per year lower property taxes just for a 5 mi...
by C8H18Engineer
Thu Nov 07, 2013 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever moved for lower cost of living?
Replies: 72
Views: 6162

Re: Verizon to Page Plus - documenting my experience

I was thinking of getting Page Plus for my wife, who is currently on a really expensive AT&T plan. She has an HTC, but from what I read, there is absolutely no chance of using that phone on Page Plus. If you look at Page Plus compatible phones there are only three - really, three phones to choos...
by C8H18Engineer
Thu Oct 31, 2013 8:17 am
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 9380
Next

Return to advanced search