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Re: Amazon Prime Increase

$1 more and I probably would not renew. But there's still value at $99 for me (and probably at $100 too, but there's a psychological barrier that Amazon is probably aware of).
by Cash
Thu Mar 13, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7666

Re: AT&T Mobile Users: Check your plans

I switch to this ATT plan without spending $1000 extra. 2 lines unlimited talk, unlimited text, and 10GB data for $105 plus tax. There's new plan out tomorrow from ATT. 2 lines unlimited talk, unlimited text, and shared 2GB data for $90. I have never gone above 0.5GB so will try to switch again tom...
by Cash
Tue Mar 11, 2014 7:42 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6185

Re: Portfolio Advice for early-career couple

Your savings rate seems low for someone in the 33% bracket with no debt. It does not appear that you are even maxing out your retirement accounts. But perhaps you are saving a lot of cash for your down payment. I agree with the other posters that you would benefit from simplification.
by Cash
Sun Feb 23, 2014 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for early-career couple
Replies: 9
Views: 805

Re: 30 yr TIPs auction announced 2/13- any takers?

I think the regs say under par. Oh, is that right? Maybe I will stop selling more than I need to then. Under par certainly makes planning easier. should help you out 1 year from now. the next 2 auctions are re-openings so that rule doesn't apply Ah, good point. I'm now done for this year, but I wil...
by Cash
Thu Feb 20, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 2/13- any takers?
Replies: 128
Views: 7596

Re: 30 yr TIPs auction announced 2/13- any takers?

Doc wrote:I think the regs say under par.


Oh, is that right? Maybe I will stop selling more than I need to then. Under par certainly makes planning easier.
by Cash
Thu Feb 20, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 2/13- any takers?
Replies: 128
Views: 7596

Re: Getting tempted to toss WellsTrade and a move to Vanguar

I like the idea of consolidating at Vanguard for Bogleheads, but don't do it myself. You can give VG a try with a partial transfer. In same boat as you. Right now everything is set up decent, one log in/one statement for all accounts for the most part. I need to mull this over some more. Given all ...
by Cash
Thu Feb 20, 2014 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Getting tempted to toss WellsTrade and a move to Vanguard
Replies: 26
Views: 1170

Re: Traditional IRA for 62-year-old

dickenjb wrote:
Cash wrote:Yes, she works part-time.


Traditional IRA withdrawals might later cause her SS to be taxed.


Hm, I hadn't thought about that. But we're only talking about $2-3k here, and this will be her first IRA, so should we be concerned about SS taxation?
by Cash
Thu Feb 20, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA for 62-year-old
Replies: 6
Views: 270

Re: Traditional IRA for 62-year-old

Yes, she works part-time.
by Cash
Thu Feb 20, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA for 62-year-old
Replies: 6
Views: 270

Traditional IRA for 62-year-old

I'm doing my mother-in-law's taxes. She's 62. Am I correct that if she is under the income threshold, she can contribute to a traditional IRA for 2013, deduct that amount from her 2013 income, and then be able to withdraw money from the IRA penalty-free whenever she wants? I've skimmed Publication 5...
by Cash
Thu Feb 20, 2014 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA for 62-year-old
Replies: 6
Views: 270

Re: Getting tempted to toss WellsTrade and a move to Vanguar

I dumped WellsTrade for Vanguard last year. I don't miss WellsTrade. In fact, I was quite happy to avoid what had become an annual rigmarole with WellsTrade to do two backdoor Roth IRAs. Easy as pie with Vanguard because it can all be done online--no multiple faxes and multiple phone calls and weeks...
by Cash
Wed Feb 19, 2014 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting tempted to toss WellsTrade and a move to Vanguard
Replies: 26
Views: 1170

Re: Pay off student loan or invest?

You're not going to earn much trying to leverage $15k. Pay it off.
by Cash
Wed Feb 19, 2014 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay off student loan or invest?
Replies: 12
Views: 784

Re: AT&T Mobile Users: Check your plans

I do see that shared plans might create some other side-effects though (one or two members or the family consuming without restraints) You can restrict data access to a line from your online account. I've never tried this since the only other user on my shared account is my wife, but I imagine it w...
by Cash
Mon Feb 17, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6185

Re: Buy order, etf on weekend?

It sounds like you should stick to mutual funds. Placing after-hours ETF orders is an easy way to get hosed.
by Cash
Sat Feb 15, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy order, etf on weekend?
Replies: 7
Views: 512

Re: Buenos Aires and Macchu Picchu?

We went to Machu Picchu last June. Words simply do not do it justice. I echo the advise to stay in Aguas Calientes and then take an early morning bus up to MP. It wasn't terribly crowded when we arrived, and we were able to watch the sunrise. Then we hiked Huayna Picchu, which I'd also highly recomm...
by Cash
Sat Feb 15, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Buenos Aires and Macchu Picchu?
Replies: 20
Views: 1564

Re: Paying back student loans- Am I being too aggressive???

We have a similar income to yours and also had six figures in student loans (no car debt though). For a while, we prioritized investing over the loans. That was probably the right move in hindsight, because we were saving a lot during the 2009-13 run-up in the stock market. Would I do the same now? ...
by Cash
Thu Feb 13, 2014 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying back student loans- Am I being too aggressive???
Replies: 33
Views: 2768

Re: AT&T Mobile Users: Check your plans

You know, it appears to make sense to switch, but it's not exactly a no-brainer bargain. I can save $80 a month on my bill (four phones), which is great. I already have 10GB of shared data, so that wouldn't change. But I will have to pay full price for replacement phones. So, I save $20 a month per...
by Cash
Wed Feb 12, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6185

Re: AT&T Mobile Users: Check your plans

investingholder wrote:I just wanted to say thank you to the OP. I changed our plan and we are saving a bit money for more data and text, and more importantly - no longer on contract.


Great, glad you were able to save money as well!
by Cash
Wed Feb 12, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6185

Re: When did/do you want stocks to start rising?

One consequence of this observation is that there is no such thing as "good for investors." There may be, "good for young investors" or "good for retired investors" but in reality, those groups want completely different outcomes for their stock investments. The former ...
by Cash
Tue Feb 11, 2014 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: When did/do you want stocks to start rising?
Replies: 58
Views: 3186

Re: When did/do you want stocks to start rising?

I think Bernstein talks about this in Ages of the Investor . Much better to start your career in a bear market and retire during a bull than vice versa. I'm with letsgobobby...hoping for the market to go sideways (b/c I don't like losing money either...) for a long while, then a bull in about 15 yea...
by Cash
Mon Feb 10, 2014 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: When did/do you want stocks to start rising?
Replies: 58
Views: 3186

Re: 30 yr TIPs auction announced 2/13- any takers?

I'm planning on buying too. Hopefully we'll get that 1.5%...
by Cash
Mon Feb 10, 2014 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 2/13- any takers?
Replies: 128
Views: 7596

Re: AT&T Mobile Users: Check your plans

This is exactly how I feel. My wife and teenage sons go through phones just about exactly every two years. So am I saving $30/month now to spend $600 on each new iPhone in 2 years? Why would you prefer to pay the phone company an extra $600 over 2 years and be locked into a contract? At least by sa...
by Cash
Thu Feb 06, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6185

Re: AT&T Mobile Users: Check your plans

This is exactly how I feel. My wife and teenage sons go through phones just about exactly every two years. So am I saving $30/month now to spend $600 on each new iPhone in 2 years? Why would you prefer to pay the phone company an extra $600 over 2 years and be locked into a contract? At least by sa...
by Cash
Thu Feb 06, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6185

Re: AT&T Mobile Users: Check your plans

Now that ATT is on board with these bring-your-own-device plans, many more people are going to see how much they can save by getting a cheaper phone, so I imagine we're going to start seeing much more competition on that front. I read an article recently that examined iPhone pricing and how much App...
by Cash
Thu Feb 06, 2014 8:10 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6185

Re: AT&T Mobile Users: Check your plans

Sorry if I'm being repetitive but I went through the screens on-line and it's quite a savings. Are you signing up for a two year extension? No, there is no contract with the new plans! T-Mobile has made a big deal over their new, no-contract pricing, and ATT has decided to up the ante. But as java ...
by Cash
Tue Feb 04, 2014 11:26 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6185

Re: AT&T Mobile Users: Check your plans

Just got off of the phone with ATT and this plan is not available if the phone is under contract. We have 3 phones, 2 under contract. I changed the plan to take advantage for 1 phone and can change the rest when the contract expires. The customer service reps have not been properly trained yet on t...
by Cash
Tue Feb 04, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6185

AT&T Mobile Users: Check your plans

ATT announced major changes to their multiple-line mobile plans over the weekend, significantly increasing their value in many instances. See these articles: http://bits.blogs.nytimes.com/2014/02/01/att-sweetens-offer-for-family-plans/?_php=true&_type=blogs&_r=0 http://news.cnet.com/8301-103...
by Cash
Tue Feb 04, 2014 8:32 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6185

Re: $500,000 to invest long-term at age 30 - Where? How?

Do people really DCA into a taxable account? Won't that create a bunch of tax lots? I guess online account management mitigates some of the pain involved in tracking the different lots but who knows if these resources will be available when it comes time to start selling 20 years from now. You're w...
by Cash
Sun Feb 02, 2014 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: $500,000 to invest long-term at age 30 - Where? How?
Replies: 19
Views: 2942

Re: $500,000 to invest long-term at age 30 - Where? How?

VT (Vanguard Total World) for your taxable, VT + Total Bond in your tax-advantaged. Easy, two-fund portfolio. If you need bonds in taxable to reach your desired AA, buy a muni fund in taxable instead of TBM. Rebalance through your contributions (i.e., either more VT or more TBM depending on which as...
by Cash
Sat Feb 01, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: $500,000 to invest long-term at age 30 - Where? How?
Replies: 19
Views: 2942

Re: Investing vs. Paying High Interest Student Loans

Is there a particular need for a house? I own one and generally find it to be overrated compared to renting. Fixing stuff when things go wrong, property taxes, worried about the next housing bubble wiping out our equity, etc. I would recommend continuing to rent until the loans are paid off, then bu...
by Cash
Tue Jan 28, 2014 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing vs. Paying High Interest Student Loans
Replies: 7
Views: 542

Re: Starting a 30 Year TIPS Ladder at Age 25 (Roth IRA)

What would 30 year TIPS return, 3%-4%/year compared to a 6%-7% annual return for stocks over the next 35-40 years? Of course the returns on stocks aren't guaranteed.. That additional 3%-4% compounded rate of return/year will do wonders over 35-40 years. l By your logic, one should not hold bonds at...
by Cash
Sun Jan 26, 2014 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting a 30 Year TIPS Ladder at Age 25 (Roth IRA)
Replies: 51
Views: 3075

Re: From 100/0 to 50/50

Thanks for the analysis you performed in that thread. I found it (and Rodc's observations) very helpful in framing my thoughts about asset allocation.
by Cash
Sun Jan 26, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: From 100/0 to 50/50
Replies: 7
Views: 1219

Re: Donor Advised Fund - no brainer?

I opened a DAF at Fidelity today. Process was painless until it came time to transfer 50 shares ($5400) of an ETF from Vanguard into the DAF and up popped a form to be sent back to Fidelity demanding the dreaded Medallion Signature guarantee. So now I'm off to my credit union or local Fidelity Inve...
by Cash
Sat Jan 25, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund - no brainer?
Replies: 27
Views: 1653

Re: 1 stop shop etf

berntson wrote:you could hold a combination of VXUS and VBR.


Seems like VT + VBR would be a better combination. VT + VBR + VSS is even better and what I hold.
by Cash
Sat Jan 25, 2014 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1 stop shop etf
Replies: 2
Views: 296

Re: How can one obtain cash when using a brokerage account?

fx24 wrote:Does anyone know a solution?


Don't engage in large transactions with parties that will only accept cash.
by Cash
Sat Jan 25, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: How can one obtain cash when using a brokerage account?
Replies: 14
Views: 793

Re: Starting a 30 Year TIPS Ladder at Age 25 (Roth IRA)

Very interesting. Does this ladder constitute all of your bond holdings, or just a portion? All for now. I'm still more than 70% equities and want to stay that way. I'll probably add munis at some point. By the way, to avoid beating a dead horse, here is a recent debate on ladders v. funds (involvi...
by Cash
Fri Jan 24, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting a 30 Year TIPS Ladder at Age 25 (Roth IRA)
Replies: 51
Views: 3075

Re: Starting a 30 Year TIPS Ladder at Age 25 (Roth IRA)

I'm 30 and just started doing something similar, but on a larger scale because I also have access to TIPS through our 401(k)'s and we save a lot in taxable. You will get some pushback because people will say that your expenses in retirement are unpredictable right now and that you should just go wit...
by Cash
Fri Jan 24, 2014 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Starting a 30 Year TIPS Ladder at Age 25 (Roth IRA)
Replies: 51
Views: 3075

Re: New 10year TIP January 2014

Results are out

If I'm reading this correctly, yield came in at .661%, which is a bit higher than I expected based on the trend over the past week. Not as good as the .75% at the beginning of the month, but better than the recent .57%.
by Cash
Thu Jan 23, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: New 10year TIP January 2014
Replies: 20
Views: 1656

Re: Newbie - High Income Earner Investment Advice

If I have left over income , should I just be contributing to a regular brokerage account with all the tax implications that brings? You should definitely have leftover income. $17.5k/year isn't much on your income. I'd expect you to be saving at least $50k or so per year. Does your spouse work and...
by Cash
Thu Jan 23, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - High Income Earner Investment Advice
Replies: 14
Views: 1461

Re: Bogleheads favorite Personal Finance/Investing Blog?

vveat wrote:relies much more on readers posts.


I know why some blog authors do this, but I generally find that the quality deteriorates when they start relying so much on others. This happened, for instance, to Get Rich Slowly, and I am concerned about it happening to White Coat Investor.
by Cash
Thu Jan 23, 2014 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads favorite Personal Finance/Investing Blog?
Replies: 25
Views: 4401

Re: Bogleheads favorite Personal Finance/Investing Blog?

Subscribed to (& a huge fan of): http://thefinancebuff.com/ http://whitecoatinvestor.com/ http://www.obliviousinvestor.com/ These guys usually also have a weekend post with links to other blogs that they found interesting. Most of the time, they do a perfect job of finding things that interest ...
by Cash
Wed Jan 22, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads favorite Personal Finance/Investing Blog?
Replies: 25
Views: 4401

Re: Donor Advised Fund - no brainer?

That is, has anyone had a problem getting a donation to a charity they want to support because the fund didn't accept your "advise"? They are required to verify that the charity is legitimate. I had some problems with this because my church's administrative office keeps odd hours near the...
by Cash
Wed Jan 22, 2014 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund - no brainer?
Replies: 27
Views: 1653

Re: Brokerages

^ good list. But for #10, I would say, "Quick, hassle-free, and cost-free (see #1) transfers of shares to a donor-advised fund." A walk-in office isn't a criterion for a good broker nowadays IMO.
by Cash
Tue Jan 21, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Brokerages
Replies: 15
Views: 896

Re: Brokerages

Your choices will likely come down to TD Ameritrade, Fidelity, Schwab, and Vanguard. If you want to trade only Vanguard products, then Vanguard is probably best. Otherwise, I would probably go with TD Ameritrade. But Fidelity is also fine. See the list of free ETFs at each, recognizing that the list...
by Cash
Mon Jan 20, 2014 11:12 pm
 
Forum: Investing - Theory, News & General
Topic: Brokerages
Replies: 15
Views: 896

Re: Vanguard stock trading

No real-time anything. I get real-time quotes. The note at the bottom says this: "Quotes are shown in real time during regular trading hours." They're not level 2 quotes, but that's not really necessary to trade (neither are real-time quotes if you're placing a market order, I suppose).
by Cash
Mon Jan 20, 2014 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard stock trading
Replies: 12
Views: 1101

Re: POLL: Investing vs. pay down mortgage feelings

We did pay down our mortgage because it was a 30 year loan and we expected to relocate and relocation came with the probability of a more expensive house. Building up the equity was a lot like saving for a downpayment on the next house, except at a better rate than the banks were offering. Seems un...
by Cash
Sun Jan 19, 2014 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Investing vs. pay down mortgage feelings
Replies: 79
Views: 3836

Re: New 10year TIP January 2014

Well, when I click to place the order, I get a "Trade Message" that says, "the cusip entered has a short period of time before maturity and the quantity entered would result in a negative yield for this cusip. Please select Back from your browser's toolbar to use a different CUSIP or...
by Cash
Sat Jan 18, 2014 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: New 10year TIP January 2014
Replies: 20
Views: 1656

Re: New 10year TIP January 2014

Well, when I click to place the order, I get a "Trade Message" that says, "the cusip entered has a short period of time before maturity and the quantity entered would result in a negative yield for this cusip. Please select Back from your browser's toolbar to use a different CUSIP or...
by Cash
Sat Jan 18, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: New 10year TIP January 2014
Replies: 20
Views: 1656

Re: Any reason to still write checks?

MichaelM24 wrote:
I just sent off the HOA dues check today


That's what BillPay is for. Let the bank buy the stamp.


+1, my bank sends them a check every month, so I save my forever stamps...potentially forever! How often you mail something could be the subject of another poll.
by Cash
Sat Jan 18, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any reason to still write checks?
Replies: 76
Views: 2633

Re: Any reason to still write checks?

I don't have a debit card, so I am truly puzzled as to how a debit card statement can be used as proof of payment. In addition, I just paid my January 15 estimated taxes, and was cautioned to write my SSN and "2013 Form 1040-ES" on the check, and sent along payment voucher 4. Can tax paym...
by Cash
Fri Jan 17, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any reason to still write checks?
Replies: 76
Views: 2633
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