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Re: 401K Help With Stock Fund Choices

- Do you have any other options available?
- What are the expense ratios for all options?
by Jeff7
Sat Apr 04, 2015 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Help With Stock Fund Choices
Replies: 3
Views: 382

Re: how often do you check performance?

How often do I check on it? I do that numerous times a year, usually if I need to open my encrypted password archive for something else. (It's a long password, so I don't like typing it in frequently.) How often do I twiddle with asset allocation? Less than once a year. I procrastinate it a bit, sin...
by Jeff7
Sat Apr 04, 2015 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you check performance?
Replies: 70
Views: 4808

Re: How often to rebalance?

About once a year, depending on when/if I remember to do it, and only if it's outside of the boundaries I've set.
by Jeff7
Wed Mar 18, 2015 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often to rebalance?
Replies: 9
Views: 893

Re: What won't you pay with Credit Card?

Cash isn't free either: - Cost to pay a cashier to make change. - Counting up the money, either manually or with a machine. - Trips to and from the bank, or else pay for armored vehicle delivery service. - Bigger picture: There's an overall cost to taxpayers for developing, minting, and maintaining...
by Jeff7
Sun Mar 15, 2015 12:50 am
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8445

Re: What won't you pay with Credit Card?

What won't you pay with credit card? 1) Vending machines, for the few times I visit one. (I've seen less than a dozen vending machines that take cards, and a few of them were on a Penn State University campus and only worked with their LionCash cards.) 2) If I'm making a small purchase and the stor...
by Jeff7
Sat Mar 14, 2015 10:42 pm
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8445

Re: Is High Frequency Trading a Problem For Bogleheads?

My issue with it is that it ignores the long-term value of a company. It's just trying to game the market's reaction time, and it's based more on who has the better server cluster and Internet connection.

"Buy and hold for less than 1 second" is certainly not a Bogleheadish method. :shock:
by Jeff7
Thu Mar 12, 2015 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: Is High Frequency Trading a Problem For Bogleheads?
Replies: 42
Views: 1890

Re: Anyone have issues streaming Amazon Prime instant video?

I use it mainly for Star Trek episodes, and a few movies here and there. - 25Mbps TimeWarner connection, and I'm the only person using the connection. - I rarely get HD quality, unless I happen to be watching at 2am or so. It typically says "Low" for the connection speed, so I get sub-480p...
by Jeff7
Wed Feb 18, 2015 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have issues streaming Amazon Prime instant video???
Replies: 9
Views: 722

Re: HTTPS (aka TLS, aka SSL) comes to bogleheads.org

... I guess I'm not sure why I'd be concerned about security here because I can't think of any dire consequences. The issue is that you might not be able to think of any at the moment, but no one can possibly consider every bad consequence. Nor should you have to think of everything. It's easy to u...
by Jeff7
Sun Feb 15, 2015 7:43 pm
 
Forum: Forum Issues and Administration
Topic: HTTPS (aka TLS, aka SSL) comes to bogleheads.org
Replies: 50
Views: 5950

Re: 2-3 Extra Days in San Diego next week

Good timing for a thread like this. I'll also be in the area at the end of February for an expo. It's a ways north of San Diego, up near LA, but I'm figuring to head to the Huntington Botanical Gardens. "One of the largest succulent collections in the world." What I don't know about is nav...
by Jeff7
Mon Feb 09, 2015 6:33 pm
 
Forum: Personal Consumer Issues
Topic: 2-3 Extra Days in San Diego next week
Replies: 20
Views: 1323

Re: How to make this fair: gifting to kids with different me

Speaking here as a "differently-meaned" kid, it is likely going to depend a lot on them. - I graduated and went right into the job market, working in engineering. Student loans were fully paid off in under 3 years, 401k and Roth are maxed yearly, new car that's paid for, etc etc. - Sister ...
by Jeff7
Fri Feb 06, 2015 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 9218

Re: How to advise 23 year old brother with $50k

Interested in oil stocks? Someone on another forum tells a cautionary tale of how he also bought one of those "it's down and it's got to go up" stocks. Then it went down. It was cheaper, so he bought more. Before long, the company pretty well went under, taking about $60k of this person's ...
by Jeff7
Tue Feb 03, 2015 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to advise 23 year old brother with $50k
Replies: 13
Views: 1370

Re: Mysterious Fees in my 401(k)

I've got something similar. It shows up on two lines, but they're identical dollar amounts, so I'm not actually sure if it's one deduction or two. Trustee Fee Quarterly Fee More fees, because 0.95-1.35% on the mutual funds just isn't enough. The trustee fee is likely because your plan sponsor hires...
by Jeff7
Mon Feb 02, 2015 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Mysterious Fees in my 401(k)
Replies: 14
Views: 1396

Re: Mysterious Fees in my 401(k)

I've got something similar. It shows up on two lines, but they're identical dollar amounts, so I'm not actually sure if it's one deduction or two.

Trustee Fee
Quarterly Fee


More fees, because 0.95-1.35% on the mutual funds just isn't enough.
by Jeff7
Fri Jan 30, 2015 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mysterious Fees in my 401(k)
Replies: 14
Views: 1396

Re: What I Learned About Investing

I look at the actively-managed Growth Fund of America from American Funds. Check out its graph on Morningstar. It plunged during 2009, losing almost 50% of its value, and its performance closely follows large-cap indexes. They've got teams of high-paid alleged experts, and they still weren't able to...
by Jeff7
Wed Jan 28, 2015 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: What I Learned About Investing
Replies: 5
Views: 961

Re: What to do when you don't meet the minimums

Sphinx wrote:This seems like a reasonable way to go. When my husband started his Roth IRA at Vanguard seven years ago, he started with the STAR fund ($1000/minimum).
...
Another vote for this.

It's not the cheapest fund, but it's certainly not bad, and it's a fine way to get started.
by Jeff7
Wed Jan 28, 2015 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do when you don't meet the minimums
Replies: 15
Views: 1296

Re: Please help with 401k choices

Please also post the fund expense ratios. That'll really help guide the advice. Even if the company claims they're paying the fees, well, I doubt that, since the funds themselves have expenses. The 401k itself has admin fees, which they likely are paying as part'n'parcel of having the plan in the fi...
by Jeff7
Mon Jan 26, 2015 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k choices
Replies: 3
Views: 299

Re: Recommend a clickless mouse

Yes, and I couldn't find one. I actually tried one of the ones on Amazon, and it still clicks for sure. Most of the 'noiseless' mice actually do click. Not loudly, but if it's dead silent in the house, and you're clicking away at 4AM, it's quite audible, even from the other room. But maybe i need t...
by Jeff7
Sun Jan 25, 2015 7:25 am
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2509

Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

InvestorNewb wrote:Wow. How can someone lose that much money? That's insane.
"Keep digging deeper! That'll fix it!"
by Jeff7
Wed Jan 21, 2015 6:14 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 7025

Re: BlackRock aims to beat active and passive funds

In an interview, Mr Fink said that investors who simply tracked equity market indices would have been less able to profit from the recent tumble in the oil price, because they would be exposed to winners and losers alike. It's great to know that their employees have finally attained clairvoyance. T...
by Jeff7
Mon Jan 19, 2015 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: BlackRock aims to beat active and passive funds
Replies: 9
Views: 1287

Re: How Many Credit Cards do you have?

One. It's a basic card that gives 1% back on various purchases. It's mainly a way of building credit, and of partly decoupling purchases from my bank account. Though I will add that my debit card has been compromised a few times through means unknown, and not once have the banks left me hanging. I'm...
by Jeff7
Tue Jan 06, 2015 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 100
Views: 150007

Re: Computing the Effects of ER on Investments

Or.....if you don't mind me adding... Link :wink: But it might be nice to have a calculator around if the Internet's out, assuming you're not rocking back and forth in a corner, waiting for it to come back. Either way, yes, a "mere" 1% fee can sure eat away at your money. It's a mosquito w...
by Jeff7
Tue Jan 06, 2015 7:06 pm
 
Forum: Investing - Theory, News & General
Topic: Computing the Effects of ER on Investments What is your data
Replies: 2
Views: 354

Re: Poll: Do you own I Bonds?

Yes. Savings accounts pay virtually nothing, and interest-bearing checking accounts that I've come across require more monthly debit transactions than I care to have to keep up with. At the moment, I'm not sure where else to stash money such that it pays something in interest, and is still fairly li...
by Jeff7
Tue Jan 06, 2015 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5663

Re: Do you generally spend more when using credit cards?

I'd like to say "no," but statistically that's unlikely. I've also read that credit users spend 10-18% more on average. (Which makes it interesting that some businesses try to steer credit users away in order to avoid the fees. Shun +10% in sales to avoid a 3% expense. Huh.) On the other h...
by Jeff7
Tue Jan 06, 2015 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you generally spend more when using credit cards?
Replies: 71
Views: 2825

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

To me it is always amazing how much people pay in fees for their 401k plans. My last 2 employers also didn't offer good choices and in both cases, HR had no idea on how to choose a 401K company with lower fees. A couple of months ago I took a look at my daughter-in-law's 401k plan and was truly agh...
by Jeff7
Mon Jan 05, 2015 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2936

Re: Another silly anti index article

Brilliant cartoon Nisiprius. Is it repostable? Original site link. For those new to XKCD, hover your cursor over the image. Alt-text pops up as a sort of secondary caption. The page itself gives instructions for linking and embedding the image. Great !!! Market veteran gives stockpickers the edge i...
by Jeff7
Tue Dec 30, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Another silly anti-index article
Replies: 42
Views: 4228

Re: Do you have or recommend a Financial Only PC?

I think you are missing the point and there are 2 I can think of. The biggest I would assume is if the machine is never used to surf web sites and only used for financial transactions it would be unlikely to download the malware or be probed for the information needed for these hacks. The second wa...
by Jeff7
Mon Dec 22, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 7524

Re: Do you have or recommend a Financial Only PC?

I haven't heard of anything like this. I wouldn't expect people to try to break into individual PCs. The good hauls would be had from places that store credit card information from thousands or millions of users. About all you can do then is use a long, strong, and randomized password and hope that ...
by Jeff7
Mon Dec 22, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 7524

Re: WiFi, brick walls, metal

There are some factors here: - How much distance is there between the router and the fridge? - How far away will your device(s) be from the router? Yes, there will be some signal loss. But when you look through a window, you're also getting signal loss, as glass is not 100% transparent. It's just no...
by Jeff7
Thu Dec 11, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: WiFi, brick walls, metal
Replies: 12
Views: 1116

Re: Vanguard Wish List

- Keep costs low, and funds diverse. - Beware of doing things, like tirelessly chasing the moving target that is above-market returns, that would move Vanguard away from its original focus - Take measures to mitigate risks of internal corruption or scandal. - Maintain an easy-to-use and practical we...
by Jeff7
Wed Dec 10, 2014 7:18 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Wish List
Replies: 44
Views: 3196

Re: What to do with VGPMX?

My opinion, pick what you want and STICK to it. It seems you make some great reasons/ excuses to change your asset allocation in the recent past. They may be legitimate, but in the end they are another example of not sticking to the plan. I have NEVER seen a person's portfolio blow up having money ...
by Jeff7
Mon Dec 08, 2014 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 40
Views: 4115

Re: Advice on old beater car. Best way to get rid?

Demolition derby. :sharebeer I was getting rid of an old Elantra that had endured the Rust Belt. After the exhaust tried to make a run for it, I decided it was time to move on. (The bolts rusted off and the exhaust almost slammed into the ground. An oxygen sensor wire was the only thing holding the...
by Jeff7
Wed Dec 03, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Advice on old beater car. Best way to get rid?
Replies: 34
Views: 2906

Re: HTTPS (aka TLS, aka SSL) comes to bogleheads.org

Neat, thank you! :sharebeer For those interested: HTTPS Everywhere , which is an addon for Firefox, Chrome, and Opera. It will cause the browser to try to use the HTTPS version of most websites, if it's available. Caveat: Some sites will glitch out with this. I guess a site is normally supposed to r...
by Jeff7
Mon Dec 01, 2014 6:55 pm
 
Forum: Forum Issues and Administration
Topic: HTTPS (aka TLS, aka SSL) comes to bogleheads.org
Replies: 50
Views: 5950

Re: 2015 Suburu Outback

I've not had experience with the 2015 models or Outback, but I do have a 2012 Impreza and am content with it. Yes, there are some things I would change if I could (example: The climate controls are all round knobs, making it impossible to tell their status by touch alone), but you'll get that with a...
by Jeff7
Mon Nov 24, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Suburu Outback
Replies: 52
Views: 6199

Re: How to buy oil in the stock market?

I am surprised they went live with that. Because if they have done it, it's as important to National Security, potentially, as the development of the hydrogen bomb. A fusion reactor that small would also be a great bomb-making plant. A race as fond of political and religious conflict as ours is, ar...
by Jeff7
Fri Oct 24, 2014 9:31 am
 
Forum: Investing - Theory, News & General
Topic: How to buy oil in the stock market?
Replies: 32
Views: 2478

Re: How to buy oil in the stock market?

I have some extra money in my etrade account, and I was thinking about buying oil shares. I know ETF like USO don't track oil prices, so are there any other ETF that do closely track oil? Or is the only way to do it like that is to buy oil futures? Aares, I would not recommend investing in oil or a...
by Jeff7
Thu Oct 23, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: How to buy oil in the stock market?
Replies: 32
Views: 2478

Re: Why are 401k plans expensive?

401(k) plans are a challenge. A few years ago, the disclosure requirements in terms of fees were implemented. I expected that to have a little more impact than it appears to have been. Best. A requirement like that is nothing a good marketing department can't spin. The disclosure can weave in some ...
by Jeff7
Fri Oct 17, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 3341

Re: Creating a 401k for my company through Employee Fiduciar

But, the glide path shouldn't be "automatic" or black boxed by the investor. With the lifestrategy funds - the big education items are stocks, bonds, and asset allocation. Once someone understands AA - they can choose a life strategy. To get to TR funds - you have to do further education ...
by Jeff7
Fri Oct 17, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Creating a 401k for my company through Employee Fiduciary
Replies: 85
Views: 11371

Re: Crazy asset-based fees in my 401K!

Well, there are costs to administer a 401k for employees, right? And those costs have to be covered somehow. I wonder if your company is getting the administration services "free" because their employees are paying for it with higher expense ratios and fees. Or maybe your company is actua...
by Jeff7
Wed Oct 15, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy asset-based fees in my 401K!
Replies: 49
Views: 2758

Re: Creating a 401k for my company through Employee Fiduciar

I do audits of a 401k. It is clear to me that people do not take a methodical approach to investing in their 401k. So, I am now pretty well convinced that simple is better. Fewer, good low cost is better. Administratively - fewer options are also better, easier to manage, and easier to reconcile. B...
by Jeff7
Mon Oct 13, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Creating a 401k for my company through Employee Fiduciary
Replies: 85
Views: 11371

Re: Do you every turn your smart phone off?

Wow...what a well-researched site. Myth 5: Don't charge your phone until it's completely dead. The truth: It's better to charge your phone every day than to do a "deep charge" from time to time. Lithium-ion batteries, like the kind used in Samsung and Apple products fare better when they'r...
by Jeff7
Mon Oct 13, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 2081

Re: manipulating Amazon reviews

Isn't that what most advertising is anyway? Know more about your customers or potential customers so that you can manipulate them into buying (more of) your products or services. That's why you've got things like LG Smart TVs that send back data on what channels you're watching, how long you're watc...
by Jeff7
Fri Oct 03, 2014 9:24 am
 
Forum: Personal Consumer Issues
Topic: manipulating Amazon reviews
Replies: 33
Views: 3168

Re: Fidelity Offers A Round-Trip to Europe for New Account

I wonder how much that adds to their fund expense ratios? :P
by Jeff7
Fri Oct 03, 2014 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Offers A Round-Trip to Europe for New Account
Replies: 26
Views: 3373

Re: Supreme Court to hear fiduciary duty/high cost funds cas

If it goes through that low-cost funds must be offered, I hope they don't leave any gaping holes that permit the fees to be "recouped" through other means. "Low-cost funds have been added. In a completely unrelated matter, the annual administration fee for your plan will be increasing...
by Jeff7
Thu Oct 02, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 39
Views: 5887

Re: How can I change my password?

At the upper-left of the screen:

User Control Panel --> Profile tab --> Edit Account settings.
by Jeff7
Mon Sep 08, 2014 11:23 am
 
Forum: Forum Issues and Administration
Topic: [How do I change my password?]
Replies: 16
Views: 1822

Re: 12b-1 Fees

Never invest in anything you don't understand. ... I wouldn't want to invest in something that the selling company doesn't seem to properly understand. :D The question of "What are you charging me for the service you are providing?" should not be a difficult one for the provider to answer...
by Jeff7
Wed Aug 27, 2014 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 758

Re: Stopping Junk mail from USPS

If a place mailed me something with a form and a postage-prepaid envelope, I'd write "REMOVE" on the form and send it back.


It takes a few weeks for them to receive and process it, but I don't seem to get as many credit card offers as I used to. :happy
by Jeff7
Sat Aug 23, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk mail from USPS
Replies: 26
Views: 2123

Re: 401K help

Yes, at least contribute enough to get the full company match. Lobby for inclusion of some Fidelity Spartan funds in the plan. 1% ER is not great, but I've seen much worse unfortunately Or try to get their Four-in-One fund (FFNOX). That might help "sell" the idea, since it's a very divers...
by Jeff7
Fri Aug 22, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K help
Replies: 26
Views: 1660

Re: Do you take all of your allowed paid vacation time?

Numerous options: 75-95% of vacation time is taken. (Or it rolls over. One way or the other though, it doesn't just go away.) I sort of stay connected. It depends on what's going on back at work, who's still there who isn't also on vacation, and where I'm staying and what I'm doing. If I've got down...
by Jeff7
Fri Aug 22, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 6648

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

I actually find this just a little bit troubling. No, I am not someone who sells active funds using the "what if everybody indexed" talking point, but I do worry about "will success spoil Vanguard?" Jack Bogle has a essay, is it in "Clash of the Cultures?" about the ri...
by Jeff7
Thu Aug 21, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 7605

Re: Subaru Blues

Have had close to a dozen Subarus in the (extended) family for the past 15+ years, next to no issues with them. They last forever. You can get a lemon with any brand. Similar here. My mom had a '92 Legacy up until about a year ago. Perhaps 10 years ago it sustained a deer impact at 45mph (rural PA,...
by Jeff7
Thu Aug 21, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8813
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