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Re: Why bad/expensive 401(k)s will likely always be with us

Nuerospere:

Can you explain what the "firm's 5500 filing" is and how these forms can be publicly-accessed for the particular company you may work for?
by SkierMom
Fri Mar 28, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why bad/expensive 401(k)s will likely always be with us
Replies: 116
Views: 7639

Re: Insurance for Unoccupied Home

Barnicle Bob:

Great question. This is AAA. I believe it was defined loosely by a family member to be, " as long there is a bed and some furniture in the home and periodic visitation and over night stay.

Again, no furniture and no one has stayed overnight in the house for over 18 months.
by SkierMom
Wed Mar 05, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance for Unoccupied Home
Replies: 13
Views: 542

Insurance for Unoccupied Home

BHs: Unoccupied home (no personal effects) held in a Trust with three sons equal co-Trustees. Home has maintained utilities. It is currently for sale. Home has been unoccupied since August 2012; no furniture or personal effects since January 2014. Question concerning current Homeowners Insurance tha...
by SkierMom
Wed Mar 05, 2014 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance for Unoccupied Home
Replies: 13
Views: 542

Re: Concerns re: Relocating to Illinois (Chicago)

+1 Northwest Suburbs. Anything in Schaumburg, Hoffman Estates, Palatine, Arlington Heights will get you a nice modest house (waaay below what you would pay for it in California) in safe neigborhoods with High Schools that feed into top-rated University of Illinois - Champaign. Chicago is an awesome ...
by SkierMom
Mon Mar 03, 2014 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Concerns re: Relocating to Illinois (Chicago)
Replies: 40
Views: 2688

Re: Things to do in St.Louis with a toddler

Can't believe no one suggested the Anheiser-Bush Brewery.

Beer for Mom and Dad and seeing cute Clydesdale horses for the kids.
by SkierMom
Wed Feb 26, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Things to do in St.Louis with a toddler
Replies: 15
Views: 593

Re: Anyone use UPromise?

SkierMom again. I wanted to add to my post above that our $2,000 account balance is NOT based on us using the Upromise credit card. True, you will get more money into your Upromise account when you shop online using the Upromise links and credit card, but we've never done that. We use either a cash-...
by SkierMom
Wed Feb 26, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use UPromise?
Replies: 14
Views: 1711

Re: Anyone use UPromise?

Love Upromise! What's not to like about Free Money? Granted, I think their coupons are lacking and frankly the grocery store credits are very minimal. Where you can take advantage of the program is through the online shopping links. I personally do the far majority of my shopping online (hate stores...
by SkierMom
Wed Feb 26, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use UPromise?
Replies: 14
Views: 1711

Re: POLL: Pay down 3.5% mortgage or invest in taxable?

Maybe I'm missing something (usually I am ......) but this decision would also be based on the amount of equity and estimated market value of the home in relation to your overall portfolio. I think NOT considering this scews the conclusion towards paying off a mortgage. Why would I pay off my mortag...
by SkierMom
Thu Jan 23, 2014 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Pay down 3.5% mortgage or invest in taxable?
Replies: 81
Views: 5349

Re: engineering certifications

Asking to be called an "engineer" without an engineering degree is a little bit like asking to be a physician without going to medical school. +1 squared.....engineering humor! IMHO, a BS in engineering with a PE stamp is the equivalent of an advanced degree. Sorry, you don't get "en...
by SkierMom
Thu Jan 16, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: engineering certifications
Replies: 15
Views: 1069

Re: I Retire Next Year and am 100% Stocks

Wellington is invested as follows: 65% S&P 500, 35% A rated long bonds. Is that where you want to be? OP, I like Wellington for our taxable investment account (it came to us in 2010 as a significant lump sum) simply because it offers a nice balanced AA in one fund. I know I need a balanced AA, ...
by SkierMom
Thu Jan 16, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Retire Next Year and am 100% Stocks
Replies: 20
Views: 1896

Re: Help with wife's 401k-Trying to move to Vanguard

For small businesses, they can also try the Costco-sponsored Sharebuilder through Capital One. They can set up and administer a business 401k plan on the cheap.
by SkierMom
Mon Jan 06, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with wife's 401k-Trying to move to Vanguard
Replies: 9
Views: 508

Re: Celebrating the small financial victories....

a government 457b plan, which has plenty of benefits to outweigh the deficiencies of the SPP website and the lack of detailed information on the SPP funds. When I have a little more weight in the account, the self-directed brokerage option (which they also make getting information about rather diff...
by SkierMom
Mon Dec 30, 2013 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Celebrating the small financial victories....
Replies: 42
Views: 3881

Re: Celebrating the small financial victories....

Cheers Mudpuppy!

What a wonderful, optimistic post. I love it.

Cheers to all of us on the right path, taking in those small victories.

Woo-Hoo!
by SkierMom
Mon Dec 30, 2013 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Celebrating the small financial victories....
Replies: 42
Views: 3881

Re: TSP Survey on Self-Directed Mutual Fund Window

My employer currently offers a Self-Directed window through ING. The punch line is that they add $50 annual charge + 36 basis points on top of the total administrative & expense ratio fees. The fees generally negate the low cost indexing benefit of going outside our crappy 401k investment option...
by SkierMom
Wed Dec 11, 2013 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Survey on Self-Directed Mutual Fund Window
Replies: 35
Views: 2301

Re: Selling House in a Trust - Who Pays Capital Gains?

Thanks for the replies BHs - Retread, Ourbooks & Spirit.

The trust will terminate upon escrow closing on the sale of the family home, likely 2014.

Any changes in the trust tax structure on the horizon from the 2013 quoted amounts in 2014?
by SkierMom
Mon Dec 02, 2013 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling House in a Trust - Who Pays Capital Gains?
Replies: 11
Views: 1100

Re: Selling House in a Trust - Who Pays Capital Gains?

but the distribution of it would carry it out to the beneficiaries. Bruce Thanks Bruce. I'm not sure what you mean by that last sentence. That is what I understand, however, that the Trust pays the Capital gains on the profit. Since the Trust really only has minimal interest income at this point (l...
by SkierMom
Wed Nov 27, 2013 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling House in a Trust - Who Pays Capital Gains?
Replies: 11
Views: 1100

Re: Selling House in a Trust - Who Pays Capital Gains?

Bruce: This is a SImple Irrevocable Trust (?) A Family Trust set up by my Father in Law, who passed in 2011 (forming an A Trust) and my Mother in Law who passed in August 2012 (is this the B Trust?). This is the family home that was owned by and lived in by them since 1968. All their assets were pla...
by SkierMom
Tue Nov 26, 2013 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling House in a Trust - Who Pays Capital Gains?
Replies: 11
Views: 1100

Re: should my nephew apply to a top-tier university?

I dunno:

Great Creative Writing Skills + B.S. = 1 Heckava Lawyer
by SkierMom
Tue Nov 26, 2013 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: should my nephew apply to a top-tier university?
Replies: 274
Views: 11258

Selling House in a Trust - Who Pays Capital Gains?

Question for all the CPA/attorney types: When a house is sold held in a trust, does the trust pay the Capital Gains taxes on profit (sold cost - stepped up value) or do the beneficiaries pay? Seems to me it would be more prudent for the Trust to sell the home, then have the capital gains taxes paid ...
by SkierMom
Tue Nov 26, 2013 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling House in a Trust - Who Pays Capital Gains?
Replies: 11
Views: 1100

Re: Utah 529 custom age-based portfolio

I don't think the allocation is bad, just complicated. Who will be doing the annual re-balancing? Mr. Eric D. Nelson, CFA states, " Many 529 plans are “broker sold”, meaning they are peddled by commission-based brokers and levy significant upfront fees and ongoing expenses. The typical alternat...
by SkierMom
Thu Nov 21, 2013 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Utah 529 custom age-based portfolio
Replies: 4
Views: 447

Re: College Planning Seminar or Insurance Sales Pitch?

mmm, I know a Certified Financial Planner (CFP) is a step up in genus from the Common Broker, but a CFP does not have a fuduciary responsibility, in my understanding. I looked up the qualifications: XXXXXXX, MBA, CFP®, CCPS ..... a Certified College Planning Specialist and Certified Financial Planne...
by SkierMom
Wed Nov 20, 2013 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: College Planning Seminar or Insurance Sales Pitch?
Replies: 13
Views: 621

Re: investment with after tax money or pay off mortgage?

Better in terms of economic security/cashflow in 5-10 years? Paid off house. Better in terms of ending up with the most money? Three fund approach will probably beat 3.25% over the next 15 years, but there is a chance it won't. Better economic security? You're ignoring the potential of the paid-off...
by SkierMom
Wed Nov 20, 2013 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: investment with after tax money or pay off mortgage?
Replies: 29
Views: 1944

Re: Vanguard Wellington instead of total bond market?

For clarification, I think the OP is asking about the appropriateness of utilizing the bond component of the Wellington fund; not the fund itself as a replacement for Vanguard Total Bond Market. Personally, I do the same thing since I favor Wellington's bond slant of mid-term corporate Vs. getting t...
by SkierMom
Wed Nov 20, 2013 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellington instead of total bond market?
Replies: 14
Views: 3441

College Planning Seminar or Insurance Sales Pitch?

Tonight in my small rural community there was a presentation by a CFP regarding college planning and savings investments at the public high school. The rep did present (albiet rather quickly) on 529 options in California (mentioned no state tax advantage) then pitched, er, presented on his "529...
by SkierMom
Tue Nov 19, 2013 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: College Planning Seminar or Insurance Sales Pitch?
Replies: 13
Views: 621

Re: John Hancock Rep. Refuses to be Honest!

I am still waiting for that one lawsuit that will change the whole industry on the common Man suing due to lack of fudiciary responsiblity by HR and/ or the plan sponsors. LOVE THAT +1. Where do I sign up for the Class Action? Seems like too many HR folks simply do not understand fees. Why, why, wh...
by SkierMom
Mon Nov 18, 2013 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: John Hancock Rep. Refuses to be Honest!
Replies: 60
Views: 5734

Re: 2013 BOGLEHEAD CONTEST -- Two months to go.

Got you beat, Gordon. #54 @ 1622.22 It's my far superior analytical skills and financial acumen.......NOT! The number was the total price we paid for some carpeting installed at our house on December 28, 2012. I just so happened to have the invoice in my hand when I read Taylor's post. Hey, my syste...
by SkierMom
Thu Oct 31, 2013 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST -- Two months to go.
Replies: 13
Views: 705

Re: gixen ebay sniping mirror service

I prefer doing my own sniping on eBay. It's one of those things you can get a rush from, you know, part of the fun of auction sites themselves. And it's free.....
by SkierMom
Thu Oct 10, 2013 6:48 pm
 
Forum: Personal Consumer Issues
Topic: gixen ebay sniping mirror service
Replies: 26
Views: 1314

Re: Rental Real Estate

Why invest in actual Real Estate? Maybe I'm missing something, but what margins are people using to calculate the return on their real estate investment property? 7-10% ? Considering that you have to deal with the drama of unsavory or irresponsible types on occasion, costs of upkeep, taxes, property...
by SkierMom
Wed Oct 02, 2013 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: Rental Real Estate
Replies: 10
Views: 1087

Re: California 529 plan

Fellow Californian here. We have the Vanguard Nevada 529 accounts for our two kids. We chose the Nevada plan ten years ago because we had our Roth accounts with Vanguard. At the time of our eldest daughters' birth (10 years agao) the California plan had limited fund choices and higher fees. The plan...
by SkierMom
Mon Sep 30, 2013 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: California 529 plan
Replies: 8
Views: 564

Attorney Needed to Sell Family Home in Trust?

I have a question for the Boglehead attorneys; My husband and his three brothers are going to sell the family home, inherited through a trust set up by their deceased parents. The house is still within the trust. Home's value is estimated around $600,000. One brother strongly wants to do a FSBO to a...
by SkierMom
Fri Aug 16, 2013 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Attorney Needed to Sell Family Home in Trust?
Replies: 6
Views: 382

Re: Incline Walking/Treadmill & Devices

Try it at a gym first....my 2-cents.

Reading on a treadmill makes me dizzy.
by SkierMom
Wed May 29, 2013 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Incline Walking/Treadmill & Devices
Replies: 5
Views: 548

Re: Fund Advice from Advisor - S&P500 Performance

John...I like perusing the Boglehead board for "Advisor" questions every now and then, just for the expense ratio humor.

Thanks for posting! :sharebeer
by SkierMom
Fri May 10, 2013 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund Advice from Advisor - S&P500 Performance
Replies: 42
Views: 1959

Re: Vanguard Webinar on Actively Managed Funds

Isn't the Wellington Fund actively managed as well? This is a solid fund with a very low ER, as is Wellesly.
by SkierMom
Thu May 09, 2013 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Webinar on Actively Managed Funds
Replies: 10
Views: 1165

Re: How much to invest in 401k

Hi Khale: Speaking from experience, I am reading in-between the lines that you are a guy that wants to enjoy life, probably likes to travel and have a few recreational toys....that was me in my twenties and early thirties too. It is a balance that you have to find, mostly by trial and error, to have...
by SkierMom
Wed May 08, 2013 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much to invest in 401k
Replies: 27
Views: 1998

SMA Managed Account FEES.....Arg!

TEAM Bogleheads: My 457 plan at work has begun the option of a SMA. I wanted to jump right into this option, naturally and select low-cost Indexing funds from Vanguard through the window. The problem is the fees: "Annual plan fees of 26 basis points + $50 annual maintenance fee" This is in...
by SkierMom
Tue May 07, 2013 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: SMA Managed Account FEES.....Arg!
Replies: 1
Views: 188

Re: Laundry Detergent Issues

SkierMom never thought she would be discussing laundry detergent on a financial website. SkierMom doesn't normally speak or write in the third person about SkierMom. SkierMom has tried just about every laundry detergent previously mentioned. SkierMom still prefers TIDE over Whisk, Gain, and that che...
by SkierMom
Tue Apr 30, 2013 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Laundry Detergent Issues
Replies: 71
Views: 4953

Re: Another 401K "least bad"

Eee gads. Yuck.

+1 on the comment above. I would do a conservative AA between the Fidelity Contrafund and the Wells Fargo Bond.
by SkierMom
Tue Apr 30, 2013 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another 401K "least bad"
Replies: 2
Views: 302

Re: 529 which state?

mmmm interesting - Maybe I am thinking about this incorrectly. If I check our year-end statements more closely, we may indeed NOT be avoiding capital gains taxes. I do make the transfers between accounts at Vanguard. I suspect that Vanguard sells the mutual fund shares first, then usisng the cash, p...
by SkierMom
Thu Mar 28, 2013 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 which state?
Replies: 25
Views: 1817

Re: 529 which state?

To Peter Foley

Not sure about the transfers between brokerage accounts, but we shift our long term capital gains earnings from our Vanguard Taxable Account into our Vanguard 529 accounts for each daughter.

Does not have to be cash.
by SkierMom
Thu Mar 28, 2013 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 which state?
Replies: 25
Views: 1817

Re: 529 which state?

My 2 cents - Don't get hung up on the State that is sponsoring the plan. Everything is done via electronic transfer or mail anyway. Moving physically to VA has no benefit over investing in that state-sponsored 529 plan than investing in the Utah plan. We are in CA and invest in NV 529 with Vanguard,...
by SkierMom
Thu Mar 28, 2013 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 which state?
Replies: 25
Views: 1817

Re: Jack Bogle - Three Fund Portfolio

Sure I follow the three fund portfolio.....with a splash of REIT and Emerging Market ETF.

To me, this updates Jack Bogle's three fund approach into the 21st Century.
by SkierMom
Tue Mar 26, 2013 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Three Fund Portfolio
Replies: 29
Views: 5392

Projected College Costs Realistic?

Hey Bogleheads. I am looking for opinions on the projections for college costs. THe Vanguard College Calculator defaults to a 6% annual college cost increase. I'm looking at others, i.e. Bankrate.com and the like and the rates often are at least 5% if not higher. My question for BH's is, how realist...
by SkierMom
Fri Mar 15, 2013 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Projected College Costs Realistic?
Replies: 58
Views: 3831

Re: Is Vanguard compatible with Mint.com?

Perfect. Thanks I figured it out.

Do you use Mint.com exclusively as a replacement for Quicken?
by SkierMom
Thu Mar 14, 2013 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Vanguard compatible with Mint.com?
Replies: 15
Views: 2204

Is Vanguard compatible with Mint.com?

Anyone upgrading to Mint.com?
by SkierMom
Thu Mar 14, 2013 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Vanguard compatible with Mint.com?
Replies: 15
Views: 2204

Re: 529 plan article suggests improvements

I concur EmerGenc Dr.

A household with $40,000 annual income will be eligible for all sorts of financial aid.

Those of us with healthy incomes $175,000 per year annual need not only the tax advantages of a 529, but use the beauty of compounding interest and time to our advantage to afford the same.
by SkierMom
Wed Mar 13, 2013 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 plan article suggests improvements
Replies: 12
Views: 902

Re: Should I Invest, or Pay Debt?

Are your student loans Federal or Private?

If Private student loans, I would pay these off before anything else. They are too much of a burden, and potentially can weigh you down in more ways than you know....
by SkierMom
Tue Mar 12, 2013 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest, or Pay Debt?
Replies: 56
Views: 4011

Re: Any reason to have two 529s?

Good on ya, epilnk. This might be the topic of another thread, but while I have the attention of 529 investors, having two 529 accounts per kid could have the possibility of over-funding college saving. To me, aiming for about 80-85% of projected college costs leaves room to get any possible tax-ded...
by SkierMom
Fri Jan 18, 2013 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any reason to have two 529s?
Replies: 26
Views: 1629

Re: Which debt to pay first?

I don't usually recommend this but since you are showing good money management acumen, why not try to obtain a 0% credit card to transfer the car loan, particularly if you intend to pay it off within the intro rate period (6 months). I've been getting a ton of offers in the mail lately and a few of ...
by SkierMom
Fri Jan 18, 2013 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which debt to pay first?
Replies: 30
Views: 1617

401(k) or 457(k) Which One Do I Want?

Only Boggleheads can give the answer I need. I have both a 401(k) and a 457(k) available to me through my employer. There is no employer match with either. I differ about the maximum each year to this account, about $16,500 per year. I am 46, married, with a combined income of $185,000 before taxes....
by SkierMom
Fri Jan 04, 2013 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) or 457(k) Which One Do I Want?
Replies: 2
Views: 421

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1,622.22 :sharebeer
by SkierMom
Thu Jan 03, 2013 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15102
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