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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 12:23 pm
 
Forum: Forum Issues and Administration
Topic: [How do I change my password?]
Replies: 16
Views: 528

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 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 674

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 11:32 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk mail from USPS
Replies: 26
Views: 1947

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 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K help
Replies: 22
Views: 1228

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 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5747

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 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 7016

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 10:16 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8056

Re: Your biggest "Missed Money" event that still kills you?

The usual: I didn't start sooner. For quite a long time, I only knew the stock market as a high-end casino, and so I didn't do any investing. I also knew only of savings bonds, and no others. But even the expert economists and professional stock pickers couldn't seem to figure it out and reliably gi...
by Jeff7
Wed Aug 20, 2014 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8096

Re: Spouse not ready to cut ties with financial advisers

... I discussed most of the points in this thread with DH this morning. His overriding concern is that we will make a mistake and it will cost us a lot more than 1%. He said that everyone he knows who has ever chosen to manage their own funds has lost money in the stock market. I tried to explain i...
by Jeff7
Sun Aug 17, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 9046

Re: Vanguard Lost My Account

To toto238: That is an interesting perspective. I did not consider that as a possibility that they might put their jobs in jeopardy. I know who I am , and I am me. I am no fraudster. however, I imagine that there are more than a few instances of social manipulation of the service rep and fraudsters...
by Jeff7
Fri Aug 15, 2014 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10640

Re: Two factor identification and your password safe

Food for thought regarding the security of storing your password safe on USB: http://www.wired.com/2014/07/usb-security/ .....wow. That's kind of impressive actually. I think of computer code like a machine. But instead of gears, motors, shafts, drive chains, and cams, it's all a bunch of tiny elec...
by Jeff7
Mon Aug 11, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2065

Re: Where do you buy clothes?

Mostly JCPenney. Walmart's clothing quality was not so good. Things would start to fall apart rather quickly. St John's brand shirts and Arizona brand pants get the job done adequately. For specialty items like coats, I'll go to Cabela's or LL Bean. I'm a little bit south of Canada, so I expect a lo...
by Jeff7
Mon Aug 11, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9247

Re: "Strong passwords"

Bogleheads: I alerted Administrator, Larry Auton, who is a computer whiz. This was his reply: This isn't really news to folks who do what we do. People should use strong passwords but they never will. This particular case doesn't affect us directly. Thank you, Larry. Best wishes. Taylor Of course, ...
by Jeff7
Wed Aug 06, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7709

Re: average American eats out 203 times per year

Wow. I'm at maybe once every 2 weeks, assuming take-out counts. I thought once a week was a lot. :shock: I guess I don't get out much. :mrgreen: Ever since my student loans were paid off, I've gotten lazier and lazier about cooking at home. I just find it to be a really tedious and uninteresting act...
by Jeff7
Tue Aug 05, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6516

Re: 401(k) Asset Allocation help

Lincoln Financial Group?
It gives me a bit of hope to see that you've at least got a few low-cost options available.
They also do the 401k plan where I work, and we've got nothing but expensive American Funds options.
by Jeff7
Mon Aug 04, 2014 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Asset Allocation help
Replies: 8
Views: 825

Re: Question about managed account

Yes, my portfolio is very complicated: looks like 28 different funds. I discovered if I click the name, the link will tell me the fund's category. Looks like some of them are PRRDX, MWTRX, EXWAX, YAFFX, and AEMGX. PRRDX: Pimco Real Return. 0.85% ER. MWTRX: Metropolitan West Total Return Bond. 0.62%...
by Jeff7
Mon Jul 14, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about managed account
Replies: 17
Views: 1371

Re: [Poll] Are you more risk averse than average?

How about an option for "average?" :wink:



I'll assume I'm average until I see evidence that says otherwise.
by Jeff7
Mon Jul 14, 2014 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Are you more risk averse than average?
Replies: 36
Views: 2781

Re: Why do companies put up with high expense 401k choices?

It basically comes down to one of 2 things: ⋅  ignorance where they have no clue that much lower cost options exist or that the "absolutely no cost to the company" plan is just hiding the often exorbitant costs by gouging the employees ⋅  collusion where they go with t...
by Jeff7
Thu Jul 10, 2014 1:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Why do companies put up with high expense 401k choices?
Replies: 15
Views: 1563

Re: Erasing hard disk that have died

Without damaging anything? Not sure... If you want to save yourself the trouble of taking it apart, drill two or three holes through it. (Use a cheap drill bit. There are a few of these things that used glass platters.) Do an image search for "hard drive internals" so you know where to dri...
by Jeff7
Mon Jul 07, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3484

Re: How to get father on board with index funds

Maybe an agreement could be worked out that would allow you to help your mom manage the finances if something were to happen to your father? Mothers tend to be susceptible to those nice boys... In my experience, fathers are just as susceptible. Exactly. Maybe the tactics vary, but there are plenty ...
by Jeff7
Mon Jun 30, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: How to get father on board with index funds
Replies: 34
Views: 2147

Re: Want to Save Money? Be Polite!

I'm the sort who'd be just fine submitting the order via computer screen.

Does that get me an additional discount?



(Just so you have an idea of the mindset at work, I'd love to see an automated fast food restaurant. Submit your order, and then watch the machinery build it. :D)
by Jeff7
Thu Jun 26, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6829

Re: The Death of Savings Bonds

That, and their website itself. I'm repeatedly amazed that such a terrible design could have been greenlighted for publication. Vanguard has somehow figured out how to permit the use of such advanced features as Back and Forward without immediately booting you out of the site. Does the Treasury onl...
by Jeff7
Mon Jun 16, 2014 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: The Death of Savings Bonds
Replies: 33
Views: 3549

Re: The Death of Savings Bonds

I'm buying $350 in I-bonds each month, given that savings accounts pay next to nothing. (How many bonds is that? :confused ) I've seen some checking accounts paying out nice interest rates, but they'd turn into a part time job with how many monthly transactions they require, versus how many I curren...
by Jeff7
Mon Jun 16, 2014 10:13 am
 
Forum: Investing - Theory, News & General
Topic: The Death of Savings Bonds
Replies: 33
Views: 3549

Re: Market timing: Getting out of bonds?

I feel like lately I've read a lot of information/posts on people getting out of bonds due to the rising interest rate environment, and the availability of other alternatives that are just as good (such as 2%+ CDs). Now, forgive me for the naive question, but I'm still trying to figure this out her...
by Jeff7
Mon Jun 16, 2014 10:04 am
 
Forum: Investing - Theory, News & General
Topic: Market timing: Getting out of bonds?
Replies: 17
Views: 1903

Re: Overdiversification?

This is yet another plan that is summed up as: "You need to buy good stocks, and avoid bad ones."
by Jeff7
Sun Jun 15, 2014 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: Overdiversification?
Replies: 18
Views: 1508

Re: Time to Sell Index Funds While Market Is High?

Thank you to everyone for your advice. It is very tempting to take advantage of these highs since I do believe in the mantra, "buy low, and sell high." I really don't see the stock market not going lower at some point, so I thought it wouldn't hurt to do this just once , but I will take t...
by Jeff7
Fri Jun 13, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Time to Sell Index Funds While Market Is High?
Replies: 37
Views: 3804

Re: Time to Sell Index Funds While Market Is High?

I follow the three fund portfolio recommended by Bogle and have the following Vanguard index funds: Vanguard Total Stock Market Index Fund (VTSMX) Vanguard Total International Stock Index Fund (VGTSX) Vanguard Total Bond Market Fund (VBMFX) I am wondering if it is time to sell, especially for Vangu...
by Jeff7
Thu Jun 12, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to Sell Index Funds While Market Is High?
Replies: 37
Views: 3804

Re: 3 Funds in 401K Suggestions?

Thanks for the input, much appreciated. I will work on putting all my accounts down on paper. I am not kidding about a mess!! :) While you're typing it out, it is a good idea to save it out to Word, or else just work there and then paste it here. (Keep in mind that bolded text and such might not tr...
by Jeff7
Thu Jun 05, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 Funds in 401K Suggestions?
Replies: 25
Views: 1100

Re: Help with new ING 401k plan

$6M and 100 people. Assuming an average ER of 1.7%, which might be on the low side given the availability of the more costly Target Retirement funds: That's a little over $100k/year in fees being extracted from the group of participants. That advisor is going to fight tooth and nail to keep that pla...
by Jeff7
Mon May 19, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with new ING 401k plan
Replies: 8
Views: 849

Re: 401K selection for young man

Are the offerings through Vanguard directly?

What are the costs? Sometimes normally-low-cost funds can have high markups slapped on them by a middleman financial company.
by Jeff7
Fri May 16, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K selection for young man
Replies: 5
Views: 499

Re: STAR for a child?

My dd, 10, is just learning about compound interest and investing. We have about $1000 saved up for her and I was looking at the STAR fund. I am not quite understanding the contribution bit... if I don't do a auto deposit of $50/mo, the minimum is $100. Is that $100 the life of the fund or $100/mo ...
by Jeff7
Wed May 14, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: STAR for a child?
Replies: 7
Views: 757

Re: Poll: Do you own Total Bond Market?

"Yes...." but then remembered I don't anymore. I shifted bonds to my 401k, so I can (hopefully) get the stock-based growth in my Roth IRA - pay no taxes on that. I think that works out like that. So I'm stuck with an American Funds bond fund in the 401k. It's unfortunately more volatile th...
by Jeff7
Tue May 13, 2014 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own Total Bond Market?
Replies: 50
Views: 4532

Re: Vanguard Total International Bond Index Fund

Do I? No, not currently.

Will I? Yes, probably, once my accounts grow enough that I wouldn't be overweighted in it.
by Jeff7
Sat May 10, 2014 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Bond Index Fund
Replies: 38
Views: 3633

Re: Job Hopping? Work History Enclosed.

I always tell my engineering students to say, truthfully, "I always stay for the full period of my employment contract". Companies that hire on a "day labor at will" basis have a lot of nerve to expect loyalty. It's interesting too that you can't really shop around for a decent ...
by Jeff7
Thu May 08, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Job Hopping? Work History Enclosed.
Replies: 60
Views: 4693

Re: Finding out what costs are within 401K

That is one thing, and it is also possible that the only costs are the ER's on the funds. Have you seen any annual reports for those funds that would document the fund costs? If they are standard publicly traded funds you could get fund reports from the fund company. You might also find it interest...
by Jeff7
Wed May 07, 2014 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finding out what costs are within 401K
Replies: 5
Views: 337

Re: Finding out what costs are within 401K

Legislation signed into law in the past few years requires that participants are given a fee disclosure document. Your HR department should be able to get that for you. (At least it's through the HR Department where I work. I don't know if that varies elsewhere.) But, they do appear to have a lot of...
by Jeff7
Wed May 07, 2014 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finding out what costs are within 401K
Replies: 5
Views: 337

Re: How to pitch better 401K to Employer??? Ours is pretty b

Very interesting ... I am definitely using that chart you provided in PDF ... one question .... the 1.5% expense fee ... it's 1.5% on all 401k balance or just on earnings? When using a calculator, even at 0% growth, I still saw a difference based on fee %, so that means it's 1.5% on balance in 401 ...
by Jeff7
Tue May 06, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to pitch better 401K to Employer??? Ours is pretty bad.
Replies: 22
Views: 1676

Re: How to pitch better 401K to Employer??? Ours is pretty b

What I did notice is that American funds, listed all their options here http://retire.americanfunds.com/about/funds/index.htm when I check out the same funds they offer us, the expense fees on the site are much lower than in our booklet. So, does that mean that their fees are really adjustable? Mea...
by Jeff7
Tue May 06, 2014 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: How to pitch better 401K to Employer??? Ours is pretty bad.
Replies: 22
Views: 1676

Re: 401k or Roth IRA

Looking at my W2, the state tax was the usual 3% of my full annual wage. The 401k deductions only counted for lowering the federal income tax. I believe Pennsylvania is the only state in the union that taxes 401k contributions. It also exempts withdrawals, so in essence it treats a 401k like a Roth...
by Jeff7
Sun May 04, 2014 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k or Roth IRA
Replies: 9
Views: 638

Re: 401k or Roth IRA

Thanks for the additional information. 1) You're actually in a high tax bracket when you combine fed and state income tax. If you contribute $8000 pretax to Traditional 401k, you'd get a tax deduction of $8000 which will reduce your fed and state income tax by $2700. So it would cost you $5300 to c...
by Jeff7
Sun May 04, 2014 12:29 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k or Roth IRA
Replies: 9
Views: 638

Re: How to pitch better 401K to Employer??? Ours is pretty b

This sounds familiar. Class R2 shares? That's what my employer had used, until we got enough money invested to get R3. Nothing was below 1%. The highest was 1.89%. (The money market fund was below 1%, but it has returned 0.00% since it first opened 5 years ago. Flat. Line.) R3's not a huge bump, but...
by Jeff7
Fri May 02, 2014 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to pitch better 401K to Employer??? Ours is pretty bad.
Replies: 22
Views: 1676

Re: POLL: the WORST financial advice you've given/received?

Received? Or from a mutual fund sales rep: "Our fund managers deliver consistently good performance because they have a system ." Now seems as good a time as any to point out that "always buy the stock with the highest p/e ratio" is a system. ... Or "Your system appears to ...
by Jeff7
Mon Apr 28, 2014 12:26 am
 
Forum: Investing - Theory, News & General
Topic: POLL: the WORST financial advice you've given/received?
Replies: 61
Views: 15217

Re: POLL: the WORST financial advice you've given/received?

Received? "You're smart. You shouldn't be doing mutual funds, you really should be researching, buying, and selling stocks. There's so much more money to be made there." Or from a mutual fund sales rep: "Our fund managers deliver consistently good performance because they have a syste...
by Jeff7
Sun Apr 27, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: the WORST financial advice you've given/received?
Replies: 61
Views: 15217

Re: New job, 401(k), and help with planning

Please also add the expense ratios for the available options. There are lots of nice options there that should be cheap, but they can be expensive if the administration company tacks on fees. (A fund that normally costs 0.05% might end up costing 1.50% because of markups.) Edit: Ok, there they are. ...
by Jeff7
Sun Apr 27, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: New job, 401(k), and help with planning
Replies: 10
Views: 1991

Re: Can my computer hear me?

A couple of days ago, I was reading a newspaper article on a new computer and also discussing how brains work and payday loans. The newspaper article had nothing to do with either topic. When I went to another newspaper article, my computer had ads on the right for brain games and also VA loans. I ...
by Jeff7
Sun Apr 27, 2014 6:38 pm
 
Forum: Personal Consumer Issues
Topic: Can my computer hear me?
Replies: 54
Views: 9941

Re: [Noob to PI. $80k/year gross income, $52k take home pay]

Here's a handy Forbes page on tax brackets, and a bit about how they work. Quick&simple example: 10% bracket: $0 to $8,925 15% bracket: $8,925 to $36,250 So if you have $8925 of taxable income in one year, and ignoring any deductions and such, you would owe 10% of that: $892.50. If you had $892...
by Jeff7
Sun Apr 27, 2014 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: [Noob to PI. $80k/year gross income, $52k take home pay]
Replies: 17
Views: 4204

Re: Amazon.com prices change quickly

Honestly, I think Amazon is going to eventually get hit with a class action lawsuit. People (like me) are strongly influenced by customer reviews in their purchases, and the price changes can render the review scores meaningless or even highly deceptive. Most reviewers factor in the value of the pr...
by Jeff7
Wed Apr 23, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 59
Views: 7609

Re: POLL: why carry cash?

Another one for toll booths, so I guess that's "specific purchases." The only "toll booths" I remember that took cash were at airport parking lots. Any of the few government road tolls I've encountered (Pennsylvania, Ohio, New York, California, Maryland) were cash only, or else y...
by Jeff7
Sun Apr 20, 2014 1:02 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13806

Re: The reverse world of retirement investing

Johm221122 wrote:Read it the other day, who is retired and would be a 100% stocks and 5% withdraw rate :oops:

John
Believe me, it happens.

And they are individual company stocks and mutual funds, all actively traded.


I don't know how common that is though.
by Jeff7
Sun Apr 20, 2014 12:54 am
 
Forum: Investing - Theory, News & General
Topic: The reverse world of retirement investing
Replies: 34
Views: 4887

Re: How to avoid ads and not get tracked

I hate ads as much as the next guy but I have never used ad blocking software ( I certainly have the computer know how to block them if I choose to). I feel that blocking ads is the equivalent of theft. No one on this forum would advocate stealing a candy bar from the store but somehow blocking ads...
by Jeff7
Sat Apr 19, 2014 8:14 pm
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 3559
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