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Re: Vision and Dental Insurance Question

I wouldn't worry about separate vision insurance plans. If you have medical insurance, you are able to see an ophthalmologist for any medical conditions affecting your vision. Thus, medical checkups for your eyes are covered under medical insurance if you see an ophthalmologist.
by Five Scoop
Sat Feb 14, 2015 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vision and Dental Insurance Question
Replies: 28
Views: 1518

Re: Dual Momentum Investing

If one has enough backtesting data to support an investing scheme, they can publish a book. The problem is that you and the author have no idea if investing according to that scheme is going to work in the future. Neither you or the author will know, possibly for decades, if the strategy works going...
by Five Scoop
Sat Feb 14, 2015 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Dual Momentum Investing
Replies: 55
Views: 4199

Re: What if my MAGI exceeds limit for Roth IRA

You can recharacterize the Roth IRA to a nondeductible IRA. You can then do a backdoor Roth in 2016. I tried to post this before, so I apologize if this ends up as a duplicate post. https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/ira-recharacterization-request.pdf "Reconversi...
by Five Scoop
Wed Feb 11, 2015 7:25 am
 
Forum: Investing - Help with Personal Investments
Topic: What if my MAGI exceeds limit for Roth IRA
Replies: 39
Views: 1970

Re: [Challenging my 401k plan]! How should I respond?

Why not just use the Schwab self directed brokerage account? You could probably get Schwab ETFs that follow an index.
by Five Scoop
Mon Feb 09, 2015 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Challenging my 401k plan]! How should I respond?
Replies: 29
Views: 2391

Re: ETF vs. Mutual Funds - Where to put $100K

Makaveli1988 wrote:
Also, if you plan to invest the first 100k via lump sum and then $8.5k/month as you mentioned on the edit'ed post - you're looking at ~35 years to invest the remaining 300k. That doesn't make sense now does it?


Would be 35 months, not 35 years.
by Five Scoop
Sun Feb 01, 2015 10:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest for 73 year old mom?
Replies: 22
Views: 2667

Re: Loan Terms -- Helping a friend going through Divorce?

If this is a friend you want to help out then just be up front about the expectation of having the money paid back. I think you should ask your friend what kind of timeframe they will pay back the loan. If they tell you it will be five years then I think you could rightly say that interest would nee...
by Five Scoop
Sun Feb 01, 2015 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 32
Views: 2168

Re: Take the job?

You mentioned in a previous thread that you were going to be borrowing $160,000 to start a business. Elena78 wrote: "I am considering starting a business. I currently work for a small business that has been very successful but the success is requiring excessive travel (some of it international)...
by Five Scoop
Sat Jan 31, 2015 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take the job?
Replies: 68
Views: 2619

Re: Are we allowed to lump tax withholdings at year end?

There is a section on the IRS website that says under withholding can result in penalties (I imagine this is meant to discourage people from waiting until the last few months of the year to withhold their taxes). I don't know whether or not the IRS actually assess such penalties. "Penalties You...
by Five Scoop
Sat Jan 31, 2015 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Are we allowed to lump tax withholdings at year end?
Replies: 6
Views: 572

Re: Lazy portfolio and mutual fund vs etf-long term investin

Lazy Portfolios are nice if you understand the rationale behind the portfolio. They are largely meant to be set and forget with the exception of occasional rebalancing. The danger in looking at the Marketwatch portfolios is that you don't get a sense of the reasoning behind the asset allocations in ...
by Five Scoop
Wed Jan 28, 2015 8:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lazy portfolio and mutual fund vs etf-long term investing
Replies: 10
Views: 933

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: 2444

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: 3401

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: 3885

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: 2374

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: 2374

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: 299

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: 1352

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: 1352

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: 4293

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: 661

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: 705

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: 47
Views: 5084

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: 3412

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: 3554

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: 4821

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: 1816

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: 5363

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: 791

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: 4033

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: 1896

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: 5035

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: 1139

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: 1236

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: 2010

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: 12809

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: 11482

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: 3751

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: 2094

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: 2094

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: 7269

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: 1050

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: 6931

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: 9262

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: 1967

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: 2928

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: 694

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: 444

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: 5754

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: 1025

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: 42354

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: 2305
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