Search found 56 matches

Return to advanced search

Re: Student loan payments not being applied correctly?

This happened all the time with Sallie Mae. They would ignore letters sent with the payment and apply it in proportion to all loans. They would always go back and apply the payment correctly if I called. So, call your loaner company and ask them to apply the payment correctly.
by Five Scoop
Tue Apr 22, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loan payments not being applied correctly?
Replies: 4
Views: 337

Re: Beware Vanguard DOES NOT update all your account values

It does not fix the problem about displaying accurate to-the-second prices, but why not just transfer your Vanguard ETFs from Wells Fargo over to Vanguard?
by Five Scoop
Sun Apr 20, 2014 10:36 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 56
Views: 4545

Re: Retirement account value vs. total contributions

The other important thing to consider in looking at your numbers is that you need to look at when contributions were made. If you did not invest the same amount in the early years of your career then you might not have had a large amount to compound over those 17 years. For arguments' sake if your t...
by Five Scoop
Sat Feb 22, 2014 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement account value vs. total contributions
Replies: 15
Views: 880

Re: Honda CR-V vs Subaru Forester

I have a 2005 CRV with 180,000 miles. No mechanical issues. Oil changes every 10,000 miles. Live near Philadelphia and did not have any trouble with the snow and ice. The AWD is amazing, even on the 2005 model. I have no experience with the Forester so I can only speak about the CRV.
by Five Scoop
Thu Feb 20, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Forester (edit: decision made!)
Replies: 43
Views: 4364

Re: taxes done and…why is my spouse working?

we make too much for a traditional IRA She can make a contribution to a non-deductible IRA and then turn that into a backdoor Roth IRA (assuming she does not have other IRAs that might be a tax issue with conversion). Other benefits of her working are that she is likely contributing to social secur...
by Five Scoop
Sat Feb 15, 2014 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: taxes done and…why is my spouse working?
Replies: 90
Views: 8928

Re: Retirement Investment Strategy - What would you do?

Dulocracy wrote:Note: Your wife is a stay-at-home mom. Does she have earned income? If she does not have earned income, she cannot contribute to a ROTH IRA. This limits your ability to invest in that way.


Spousal IRA is allowed.
by Five Scoop
Thu Feb 13, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Investment Strategy - What would you do?
Replies: 14
Views: 1901

Re: Indexing doesn't get you market returns

The article is a bit misleading, in my opinion,as the average percentile ranks listed are using 7 Vanguard funds/asset classes vs. 13 DFA funds/asset classes. So, the chart and overall average percentile ranking needs to be taken with a grain of salt. So, in order to make this more of an apples to a...
by Five Scoop
Sat Jan 18, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Indexing doesn't get you market returns
Replies: 16
Views: 2855

Suggestions on buying a spa robe

I was looking to buy a nice robe for my wife for Christmas and wanted to know if anyone had any recommendations on where to buy one. I previously purchased a Turkish robe from Hammacher Schlemmer but after 2 years it is a mess - there are pulls and tears everywhere and the material has become very c...
by Five Scoop
Sat Dec 14, 2013 11:40 am
 
Forum: Personal Consumer Issues
Topic: Suggestions on buying a spa robe
Replies: 7
Views: 515

Re: Sallie Mae Student Loans Question

Sallie Mae is terrible with this. You can send in a letter with your payment asking that a certain amount be applied to one loan versus the other. Be aware that each loan may have a separate minimum monthly payment. So, they may be applying the payments correctly. You can try to speak to someone abo...
by Five Scoop
Tue Nov 19, 2013 11:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Student Loans Question
Replies: 6
Views: 410

Re: Why does my lawnmower leave a stripe?

I think Livesoft was correct when he wrote "OK, you could get the same thing if your wheel crushed the grass flat and on the next pass you lined up that crushed grass with the center of your mower." An easy way to find out is to measure the width of your wheels. Are they the same width as ...
by Five Scoop
Sun Jul 14, 2013 10:50 pm
 
Forum: Personal Consumer Issues
Topic: Why does my lawnmower leave a stripe?
Replies: 26
Views: 2769

Re: Fidelity funds for my first 401(k)

You can mimic your Vanguard 2050 IRA allocation by placing 60% Vanguard institutional index, 30% Fidelity global ex us, and 10% Vanguard total bond market. Alternatively you could pick the fidelity freedom 2050 fund which is Fidelity's target date fund and that should closely approximate the Vanguar...
by Five Scoop
Sun Jul 14, 2013 4:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity funds for my first 401(k)
Replies: 9
Views: 747

Re: Premium Products That Are Worth It To You

For great coffee:

Bunn A10 brewer
Baratza Virtuoso Preciso grinder
by Five Scoop
Thu Jun 06, 2013 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 36208

Re: Spotify Mobile: A great deal!

c.Alvin wrote:
I did not care for Spotify's requirement that all paying user's provide a Facebook user-id. I prefer to keep my music choices private.


Spotify won't share your music selections or playlists unless you specifically enable through settings. It's a one time setting.
by Five Scoop
Wed May 22, 2013 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Spotify Mobile: A great deal!
Replies: 18
Views: 1927

Re: Any reason not to max my wife's 403b?

The OP should also check to see if his wife is able to contribute to a 457(b). My wife is a teacher and has the option of contributing to both 403(b) and 457(b)plans. The 403(b) is usually much less costly as the the 457(b) plans are typically set up by insurance companies. So, 403(b) would most lik...
by Five Scoop
Wed May 22, 2013 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Any reason not to max my wife's 403b?
Replies: 4
Views: 499

Re: Refusing to pay doctor bill, consequences

OP tell me about your profession and I'll be sure to offer my suggestions without appropriate credentials.. That's essentially what you're doing here. I get that you feel that it isn't a fair cost, however, your wife needed care and she received it. If this had been a life or death matter, and the ...
by Five Scoop
Sat May 18, 2013 10:07 pm
 
Forum: Personal Consumer Issues
Topic: Refusing to pay doctor bill, consequences
Replies: 57
Views: 4221

Re: $550M Powerball Jackpot - take cash or annuity?

I found that online resources report federal tax on lottery winnings is 25%. State taxes vary, California is 0%.
by Five Scoop
Fri May 17, 2013 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: $600M Powerball Jackpot - take cash or annuity?
Replies: 86
Views: 5457

Re: Larson Financial

I'm a physician seeking help to figure out the smartest way to invest - and I don't have enough time to do the research that's necessary so I'm taking the easy way out In my opinion, the smartest way to invest would be to take a step back and educate yourself about the Boglehead approach to investi...
by Five Scoop
Tue May 14, 2013 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Larson Financial
Replies: 15
Views: 870

Re: Is gas mileage alone worth getting a different car?

This link to a calculator may be helpful. Always keep in mind that the MPG numbers listed for new cars are usually inaccurate and overly optimistic.

http://www.edmunds.com/calculators/gas-guzzler.html
by Five Scoop
Sun May 12, 2013 8:04 am
 
Forum: Personal Consumer Issues
Topic: Is gas mileage alone worth getting a different car?
Replies: 24
Views: 2150

Re: Company 401k - Suggestions for Improvements

If the $40,000 TPA charge is based off of AUM then you are implying your total plan assets are 20 million. Seems like Vanguard would set up and run a 401k for an account that large, no? Have you contacted them or Fidelity?
by Five Scoop
Sat May 11, 2013 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company 401k - Suggestions for Improvements
Replies: 7
Views: 446

Re: After a passive portfolio is set up - what more to do?

OP, most important person to look out for in life is yourself (and your family). If the OP does not see a need for keeping his money with the advisor he should take over control of his portfolio and save the fees. Doing so might burn a bridge and he may not be able to easily go back to the firm if h...
by Five Scoop
Fri May 03, 2013 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: After a passive portfolio is set up - what more to do?
Replies: 36
Views: 2613

Re: Downloading movies to Ipad and Ipad mini

Comcast has an Xfinity Player app for iPad that has the ability to download free (some anyway) movies and TV shows (provided you are a Comcast customer).
by Five Scoop
Tue Apr 16, 2013 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Downloading movies to Ipad and Ipad mini
Replies: 15
Views: 2933

Re: Starting Lazy Index Portfolio - Timing

When Livesoft refers to the Unconventional Success portfolio being obsolete (as listed on Marketwatch) he is referring to some changes that Swensen made that are published outside of his book. The Morningstar forum asked about treasury bond duration and Swensen answered: http://socialize.morningstar...
by Five Scoop
Sat Mar 16, 2013 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting Lazy Index Portfolio - Timing
Replies: 12
Views: 1799

Re: The Munchkin Man Diet

The skeptic in me would inquire why the user name changed from "Munchkin Man" to " The Munchkin Man"?

Congrats on the weight loss.
by Five Scoop
Fri Mar 01, 2013 11:29 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: The Munchkin Man Diet
Replies: 120
Views: 10511

Re: My investments are a mess. Please help. Pretty please

Since you have IRAs at Vanguard it would probably be worthwhile to move the taxable accounts to Vanguard so you won't have to deal with as many accounts/companies. Whether or not you should transfer assets in-kind or cash out and then purchase new funds would depend on if you have capital gains in t...
by Five Scoop
Fri Feb 22, 2013 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: My investments are a mess. Please help. Pretty please
Replies: 13
Views: 1411

Re: My investments are a mess. Please help. Pretty please

Where are your taxable assets held? Vanguard? Fidelity? Both? Elsewhere?
by Five Scoop
Fri Feb 22, 2013 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: My investments are a mess. Please help. Pretty please
Replies: 13
Views: 1411

Re: Self Directed 401k

The type of account you would open may be labeled "self-directed", "for benefit of", or a "non-prototype" account (Fidelity). Vanguard does not service these accounts. TD Ameritrade and Fidelity offer these accounts. I went with Fidelity and have access to anything avai...
by Five Scoop
Thu Jan 17, 2013 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self Directed 401k
Replies: 4
Views: 548

Re: Has Fidelity converted your Spartan funds to Advtg clas

I called them when they announced the lower limits for Advantage class and they converted that day. Just call and have them make the conversion rather than waiting and wondering.
by Five Scoop
Tue Jan 08, 2013 5:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Has Fidelity converted your Spartan funds to Advtg clas yet?
Replies: 42
Views: 3356

Re: Looking for low cost "natural" peanut butter

I was curious to look at the ingredients of several "natural" peanut butters and found that they often add other ingredients. If you look carefully at the packaging it will say "peanut butter spread" instead of peanut butter. Jif's version proudly lists that it contains 90% peanu...
by Five Scoop
Fri Nov 30, 2012 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Looking for low cost "natural" peanut butter
Replies: 37
Views: 2299

Re: Bogleheads 11 - Vanguard vs. Enhanced Indexers (Ed Tower

Thanks for posting. The link provided worked well. The document opened right in the browser.
by Five Scoop
Wed Nov 07, 2012 11:18 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 11 - Vanguard vs. Enhanced Indexers (Ed Tower)
Replies: 21
Views: 2136

Re: What Book Are You Currently Reading? Part V

Just finished reading Common Sense by Thomas Paine. It was always one of those works that I heard about in school but never got around to actually reading. I am impressed with the clarity of thought displayed in this work. Mind you, it is not very long (only 86 pages on my Kindle edition) but was st...
by Five Scoop
Sun Oct 28, 2012 5:25 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2636
Views: 603737

Re: What Book Are You Currently Reading? Part V

Common Sense by Thomas Paine
by Five Scoop
Tue Oct 23, 2012 10:23 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2636
Views: 603737

Re: Live CCF return data

Rick,

Thanks for your explanation!
by Five Scoop
Mon Oct 15, 2012 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Live CCF return data
Replies: 35
Views: 1769

Re: Swedroe portfolio today

Five scoopSimple question. Skepticism is healthy but here is evidence that DFA has for over thirty years been able to deliver what it says it's objective is, the returns of its asset classes-- http://www.cbsnews.com/8301-505123_162-57496390/does-dfa-hit-its-benchmarks/?So can you please provide exa...
by Five Scoop
Fri Oct 05, 2012 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: Swedroe portfolio today
Replies: 102
Views: 8301

Re: Swedroe portfolio today

I really enjoy these discussions as there are passionate arguments on both sides of the issue. I would fall into the Yobria camp on this one, however, and don't small value tilt in my portfolio. I'm skeptical of the supposed advantages (and also of the value of DFA funds). However, I don't think any...
by Five Scoop
Fri Oct 05, 2012 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: Swedroe portfolio today
Replies: 102
Views: 8301

Re: Income required to Max out a 401/Profit Sharing Plan

Let me answer those as best I can for anyone else that stumbles in here and I'll PM Alan to see if he can help. All my compensation will be on the K-1 to my corporation. I suppose I'll then pay myself out of the corporation on a W-2. There is definitely no match. There is a defined benefit/cash bal...
by Five Scoop
Thu Sep 27, 2012 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: Income required to Max out a 401/Profit Sharing Plan
Replies: 26
Views: 2947

Re: disability insurance

-DO NOT buy a DI policy from Northwest Mutual, their policy sucks compared to the competition I would just like to say that I respect the opinion of BruDude but think it is a bit harsh to say that a disability insurance policy from Northwestern Mutual sucks.  All policies have limitations that must...
by Five Scoop
Sat Sep 08, 2012 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: disability insurance
Replies: 38
Views: 2768

Re: HSBC Advance Online Savings- fee to transfer money?

I couldn't figure out how to post this any better. If you go to the link below and click on the "log on" link in the right upper corner you will see a yellow box that explains the fee only applies to wire transfers.

https://www.us.hsbc.com/1/2/home/person ... s-accounts
by Five Scoop
Tue Aug 21, 2012 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSBC Advance Online Savings- fee to transfer money?
Replies: 8
Views: 1011

Re: HSBC Advance Online Savings- fee to transfer money?

I called them today. It does not apply to direct deposit or bank to bank transfers. They said it only applies to incoming wires.
by Five Scoop
Tue Aug 21, 2012 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSBC Advance Online Savings- fee to transfer money?
Replies: 8
Views: 1011

Re: New mobile check deposit from Vanguard

I have used the feature...it works perfectly!
by Five Scoop
Mon Aug 20, 2012 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: New mobile check deposit from Vanguard
Replies: 11
Views: 2742

Re: Can passive funds provide return of its asset class?

With the exception of emerging markets I don't see much benefit to the DFA funds listed. For instance, don't most advisors that provide access to DFA funds charge additional fees such as assets under management fees? This would presumably take away from the returns listed for DFA funds although I do...
by Five Scoop
Mon Aug 20, 2012 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Can passive funds provide return of its asset class?
Replies: 7
Views: 1455

Re: What Book Are You Currently Reading? Part V

"How the World Works" by Noam Chomsky
by Five Scoop
Mon Aug 13, 2012 6:03 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2636
Views: 603737

Re: Receiving 250-300k And Torn On How To Grow It

I see that you want to be a doctor. Do you already have the money set aside to pay for college and med school? If not that your injury award will go a long way to paying those costs, thought it may not cover it entirely. Rather than worrying about how to invest it in a business or real estate or th...
by Five Scoop
Sun Aug 12, 2012 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Receiving 250-300k And Torn On How To Grow It
Replies: 42
Views: 3116

Re: Low minimum, low expense ratio mutual fund? (

TD Ameritrade allows commission free trades on over 100 ETFS.

Vanguard Total Stock Market -VTI- with expense ratio of 0.06 is one of the commission free ETFs.

http://research.tdameritrade.com/public ... onfree.asp
by Five Scoop
Sun Aug 12, 2012 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Low minimum, low expense ratio mutual fund? (
Replies: 11
Views: 2742

Re: Employee Fiduciary 401(k) Plan Termination

Our company was with Employee Fiduciary and when we switched to a different company as our third party administrator we changed to a different investment platform. I was the primary person at our company in charge of the 401k paperwork and worked closely with Employee Fiduciary. I can honestly say t...
by Five Scoop
Thu Aug 09, 2012 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employee Fiduciary 401(k) Plan Termination
Replies: 12
Views: 1699

Re: Worth buying a charger for "found" NiMH Energizer AA's?

I have used many rechargeable batteries, including the Energizer brand. I don't think it's worth it. You have to charge them right before you need to charge them since they don't hold a charge very long. There are slow discharge rechargeables that hold charges for a very long time. Eneloops are one ...
by Five Scoop
Thu Jul 26, 2012 11:01 am
 
Forum: Personal Consumer Issues
Topic: Worth buying a charger for "found" NiMH Energizer AA's?
Replies: 16
Views: 1333

Re: PIMCO Total Return share class - how to ask a question

Class A shares: Maximum Sales Charge (Load) Imposed on Purchases = 3.75% , Maximum Deferred Sales Charge (Load) 1.00% The same summary prospectus also lists class B and C shares (no front-end load, back end load of 3.50%, 1.00% respectively) and class R shares with no loads of any kind. I read the ...
by Five Scoop
Sat Jul 21, 2012 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: PIMCO Total Return share class - how to ask a question
Replies: 14
Views: 1936

Re: 401k self directed brokerage account

The expense ratios in your default fund are really low! Why wouldn't you just use them? What advantage would you have by trying to obtain similar asset classes with vanguard funds? I would stick with your default 401k choices.
by Five Scoop
Thu Jul 19, 2012 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k self directed brokerage account
Replies: 6
Views: 877

Re: 401k self directed brokerage account

I have a self-directed account through my 401k at work. I really like that I have access to the low cost Fidelity Spartan funds. I don't think $120 per year is bad at all. What it really comes down to is what other options you have in your 401k and how much you plan to contribute to the 401k every y...
by Five Scoop
Thu Jul 19, 2012 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k self directed brokerage account
Replies: 6
Views: 877

Re: Partner (K-1) and Solo 401K

I think a solo 401k is for a business owner with no employees. If you are a partner in a practice you must have a contract which spells out your ownsership percentage and have to be paid with a K-1. I am in the same situation. So, while it make sense to say if you were paid with a 1099 you could hav...
by Five Scoop
Wed Jul 11, 2012 8:59 pm
 
Forum: Investing - Theory, News & General
Topic: Partner (K-1) and Solo 401K
Replies: 4
Views: 610
Next

Return to advanced search