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Re: Foreclosed-Law Firm pursuing amount of second lo

Seems silly to declare bankruptcy over $25K+ interest. I think there a perception that Bogleheads are typically 1-percenters, with massive savings and good salaries. Statements like this don't do anything to dissuade that perception. If the OP is unemployed and owes debts which he cannot afford, th...
by Five Scoop
Sat Jan 24, 2015 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Foreclosed-Law Firm pursuing amount of second lo
Replies: 31
Views: 2259

Re: Honda Civic vs Fit Safety Question

I'd make sure you consider that if you put a modern baby seat in the passenger-side rear seat of a Fit, that your adult passenger better not be more than 5' 6" or so. There's a video on Youtube of this and a typical male is going to have his knees in the glove compartment & forehead very c...
by Five Scoop
Sun Jan 18, 2015 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Honda Civic vs Fit Safety Question
Replies: 55
Views: 3307

Re: Malkiel's recommendations, 1990 to 2015

Found this in an interview with Malkiel in 2013 where he comments on changing allocation recommendations in his updated editions, granted for a different age group. "CNBC: In the recent editions of "Random Walk," you suggested the following portfolio for an investor in his or her 50s—...
by Five Scoop
Sun Jan 18, 2015 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: Malkiel's recommendations, 1990 to 2015
Replies: 40
Views: 3797

Re: Preparing for baby and one income

Missed a prior post with same information, so deleted.
by Five Scoop
Sun Jan 18, 2015 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Preparing for baby and one income
Replies: 41
Views: 2333

Re: Preparing for baby and one income

For many of us, a baby was a $20 co-pay. They are really inexpensive. Statements like these can be confusing to new parents to be. And, matter-of-factly, this is simply not true. If somebody does not have much help from family (which the OP stated) and this is a first child, there are going to be u...
by Five Scoop
Sun Jan 18, 2015 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Preparing for baby and one income
Replies: 41
Views: 2333

Vanguard Mobile Deposit Not Supported Brokerage Account

Just wanted to post that I was unable to use mobile deposit from the Vanguard app. The customer service rep said that this feature is not supported with brokerage accounts yet, but will be in the future. Not sure how many people actually use this feature, but thought posting this may be helpful none...
by Five Scoop
Fri Jan 16, 2015 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Mobile Deposit Not Supported Brokerage Account
Replies: 1
Views: 291

Re: Disability Insurance

dhodson,

Look on their website re: With Northwestern Mutual's Medical Occupation
by Five Scoop
Wed Jan 14, 2015 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 23
Views: 1334

Re: Disability Insurance

LBK wrote:True "Own-Occupation" is available to physicians and surgeons with Berkshire (Guardian), MetLife, Standard, Ameritas (formerly Union Central), MassMutual, Principal or Ohio National.


Northwestern Mutual also has own-occupation for physicians.
by Five Scoop
Wed Jan 14, 2015 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 23
Views: 1334

Re: Time for a new dentist?

Sadly, I am wary of all dentists. Since most don't accept insurance there is nothing to hold costs in check. At least with a medical doctor you are usually only responsible for a copay. They then get paid a contracted rate by the insurance company. I went to a new dentist when I moved. It was a stat...
by Five Scoop
Mon Jan 12, 2015 11:25 pm
 
Forum: Personal Consumer Issues
Topic: Time for a new dentist?
Replies: 38
Views: 4218

Re: Fidelity Intermediate Tax Exempt

You can open an account at Vanguard and buy the Vanguard fund. I say this without meaning to sound glib. It doesn't make sense to me to pay $75 for a Vanguard fund when you can easily open a Vanguard account for free and buy the fund without any purchase fee. If you insist on buying the Vanguard fun...
by Five Scoop
Mon Jan 12, 2015 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Intermediate Tax Exempt
Replies: 10
Views: 643

Re: Purchasing the fund minimum...then selling to a level be

Fidelity can assess a low balance fee. This is listed in their fees and commissions schedule online.

https://www.fidelity.com/bin-public/060 ... hedule.pdf

(See page 4)
by Five Scoop
Tue Jan 06, 2015 8:53 pm
 
Forum: Investing - Theory, News & General
Topic: Purchasing the fund minimum...then selling to a level below?
Replies: 4
Views: 699

Re: Boglehead theory on p2p lending?

I always think to myself that when a prominent member such as EmergDoc posts online about having such great returns from Lending Club that it might sway some impressionable or newer Bogleheads that p2p lending is somehow Boglehead-approved. Particularly when EmergDoc writes that it's risky but "...
by Five Scoop
Mon Jan 05, 2015 10:26 am
 
Forum: Investing - Theory, News & General
Topic: Boglehead theory on p2p lending?
Replies: 42
Views: 4350

Re: Why did gas mileage recently drop on my older CRV?

Check tire pressure. It has been colder since it is winter. The colder it is the less the air in the tires expands. So, your tire pressure may have dropped.
by Five Scoop
Thu Dec 25, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Why did gas mileage recently drop on my older CRV?
Replies: 50
Views: 3393

Re: Why does Swensen have 30% Bonds?

I read the book. Swensen gives very well thought out reasons for including the recommended asset classes. He also states that each person should use a mix of these asset classes that makes sense for them. This model portfolio was not meant to be for every investor, but to be a starting point. His ba...
by Five Scoop
Sun Dec 21, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Swensen have 30% Bonds?
Replies: 28
Views: 3467

Re: Helping out family members

I advise not offering any financial assistance. The sibling is married and the spouse has a job. If they are having trouble meeting their financial obligations then they ought to downsize. I think the OP needs to be careful. If assistance if offered this will not be a one and done deal. Every time t...
by Five Scoop
Wed Dec 17, 2014 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 4701

Re: Refrigerator problem

Carl53 wrote:Have you cleaned the dust off the coils recently?


Cleaning coils of the refrigerator is a myth. Do a google search. It does nothing to save energy or to make the refrigerator run more efficiently.
by Five Scoop
Thu Sep 11, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1812

Re: RBD here yet? (DOW -300points drop) [Really Bad Day]

now to come think of it, didn't someone here disprove that a RBD provided significant gains? I think it's important when this RBD issue comes up in threads that readers be pointed back to another thread. The other thread by Rodc showed there was not much data to support using the RBD strategy. Of c...
by Five Scoop
Sat Aug 02, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 49
Views: 5304

Re: Financial Books & Guides

I personally believe there is a point of diminishing returns on reading books by a lot of the recommended authors. In that, if you read one book by a particular author I don't see the point in reading every new book that the author publishes. I commend Dr. Bernstein, in particular, for mentioning wh...
by Five Scoop
Sat Jun 07, 2014 7:32 am
 
Forum: Personal Consumer Issues
Topic: Financial Books & Guides
Replies: 11
Views: 790

Re: Credit card to pay mortgage

Jerrybaby,

The Amex Serve webiste mentions that cash advance fees may apply when loading from a credit card. Do you get assessed cash advance fees from your credit card company? Or, is there another way to load Amex Serve but still get credit card points?
by Five Scoop
Wed Jun 04, 2014 7:59 am
 
Forum: Personal Consumer Issues
Topic: Credit card to pay mortgage
Replies: 29
Views: 3975

Re: Upromise

Be careful when you are shopping for things though the U Promise site. You may see a chance to get so much cash back at a particular retailer but it may not be with it. Diapers.com for instance gives a certain percent back but I find that I can get everything I need much cheaper from Amazon (which d...
by Five Scoop
Sun Jun 01, 2014 7:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Upromise
Replies: 12
Views: 1890

Re: Vanguard or DFA? "Vanguard, in a landslide..."

Matjen wrote: "What you got tired of using DFA's Small Cap Value fund as an example and then being told over and over that it outperformed last year even after having all those assets? Methinks so." I don't get this comment. The DFA small cap value follows its index total return completely...
by Five Scoop
Sat May 31, 2014 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard or DFA? "Vanguard, in a landslide..."
Replies: 54
Views: 5020

Re: Can past performance predict future performance

Larry, I tried to recreate some of the data you posted but am getting different numbers. I was curious because the data posted about the DFA Small Value International was very different than it's presumed comparison index which was listed as MSCI EAFE SV index. I was not sure if the 1999 dates start...
by Five Scoop
Sat May 31, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: Can past performance predict future performance
Replies: 6
Views: 1135

Re: Cheapest option for sending gift cards?

My bank, TD Bank, let's you purchase Visa gift cards without a fee. You could check to see if your bank has a similar program.
by Five Scoop
Sun May 25, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cheapest option for sending gift cards?
Replies: 15
Views: 1050

Re: Starting a business question

If he is asking for 80% ownership is he expecting 80% profits? If so, it doesn't sound like such a good deal.
by Five Scoop
Sun May 25, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starting a business question
Replies: 36
Views: 1981

Re: Swedroe's New Book

Larry, many thanks for your contributions to the forum. Sometimes (like now??) I don't understand how you put up with some of the rude people. Thanks again. I don't think Frans is being rude. I think he asked a legitimate series of questions. From his other posts, it seems like he is not content to...
by Five Scoop
Sun May 25, 2014 6:55 am
 
Forum: Investing - Theory, News & General
Topic: Swedroe's New Book
Replies: 76
Views: 12786

Re: CNBC - [Among millionaires, 4% are doctors]

The direction this thread has headed has steered away from the article cited. In doing so, I think it continues to show that there is a misconception about physicians and spending/saving habits. I believe it is widely stated on this forum, on blogs, in the media, and by a lot of financial advisors t...
by Five Scoop
Sun May 11, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: CNBC - [Among millionaires, 4% are doctors]
Replies: 100
Views: 11454

Re: I'm a small business owner, this is what Paychex offered

An important question that has not been addressed is what do you and your partner want to accomplish with this 401k plan? If you big want to contribute $17,500 per year then the 3% match and vesting noted above is fine. But, you can also have a profit sharing component that would potentially allow f...
by Five Scoop
Sun Apr 27, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a small business owner, this is what Paychex offered
Replies: 17
Views: 3739

Re: Student loan payments not being applied correctly?

I don't know if the poster is dealing with Sallie Mae but if you login with your phone or tablet they have a mobile website. Accessing your account that way does allow you to specifically submit a payment for an individual loan. So, you could submit a payment on the highest interest loan in this man...
by Five Scoop
Thu Apr 24, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loan payments not being applied correctly?
Replies: 28
Views: 2089

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 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loan payments not being applied correctly?
Replies: 28
Views: 2089

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 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Beware VG DOES NOT update all your account values [UPDATE]
Replies: 61
Views: 7168

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 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement account value vs. total contributions
Replies: 15
Views: 1048

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 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Forester (edit: decision made!)
Replies: 43
Views: 6776

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 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: taxes done and…why is my spouse working?
Replies: 90
Views: 9251

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 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Investment Strategy - What would you do?
Replies: 14
Views: 1966

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 10:49 am
 
Forum: Investing - Theory, News & General
Topic: Indexing doesn't get you market returns
Replies: 16
Views: 2926

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 10:40 am
 
Forum: Personal Consumer Issues
Topic: Suggestions on buying a spa robe
Replies: 7
Views: 629

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 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Student Loans Question
Replies: 6
Views: 443

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 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Why does my lawnmower leave a stripe?
Replies: 28
Views: 5724

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 3:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity funds for my first 401(k)
Replies: 9
Views: 1013

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 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 41728

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 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Spotify Mobile: A great deal!
Replies: 18
Views: 2293

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 7:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Any reason not to max my wife's 403b?
Replies: 4
Views: 529

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 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Refusing to pay doctor bill, consequences
Replies: 57
Views: 4849

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 11:02 am
 
Forum: Investing - Theory, News & General
Topic: $600M Powerball Jackpot - take cash or annuity?
Replies: 86
Views: 6420

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 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Larson Financial
Replies: 15
Views: 957

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 7:04 am
 
Forum: Personal Consumer Issues
Topic: Is gas mileage alone worth getting a different car?
Replies: 24
Views: 2456

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 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Company 401k - Suggestions for Improvements
Replies: 7
Views: 2140

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 9:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: After a passive portfolio is set up - what more to do?
Replies: 36
Views: 2676

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 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Downloading movies to Ipad and Ipad mini
Replies: 15
Views: 3197

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 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting Lazy Index Portfolio - Timing
Replies: 12
Views: 1904
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