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Re: Transfer from Ameriprise to Vanguard, concerns?

Variable annuities have additional recurring expenses and are generally not recommended . When I discussed the wisdom of using a VA to expand my tax deferred investments I was discouraged by a Vanguard CFP who felt that there would be little advantage and significant more recurring expense. So I wo...
by amarone
Sun Jul 13, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Transfer from Ameriprise to Vanguard, concerns?
Replies: 6
Views: 1061

Re: Subaru vs Mazda

I have a 2011 Subaru Legacy with the 2.5L engine. I've read that the Subaru "Boxer" engine is prone to burn more oil than inline 4 cylinder engines, but I've had no such issue with mine. Even if it did burn a little, checking the oil every 1000 miles or so and adding accordingly is no big...
by amarone
Tue May 06, 2014 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Subaru vs Mazda
Replies: 17
Views: 2502

Re: POLL: why carry cash?

sscritic wrote:And no one has yet mentioned cocaine?

Yeah - you can't snort through a rolled-up credit card.
by amarone
Sat Apr 19, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13382

Re: 401K: why unvested?

I ran into a kind of strange issue: my wife had a 401K from her former company. After she left the company (more than 7 years ago), we found that part of her 401K balance is still unvested. We were never able to figure out why. It has only a few hundreds dollars so we kind of let it go.. Now I ran ...
by amarone
Sat Mar 01, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K: why unvested?
Replies: 2
Views: 470

Re: Can I ask my employer to split a bonus?

Seems like a bit of effort just to save yourself $1,500. In bigger companies, deferring compensation like this from one fiscal year to the next is not easy since it is (essentially) lying to shareholders about how much money was spent in a given year. Joe - I can certainly appreciate the fiscal yea...
by amarone
Sun Feb 09, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I ask my employer to split a bonus?
Replies: 26
Views: 1614

Re: Buy new vs used RX 350

We had a Sienna and changed it for a 2004 RX330 that we got cheap from a relative. We hated it. Boring, unresponsive, and full of "luxury" gadgets that didn't work very well. Maybe you are not thinking of a car that old, but I have to think that all the gadgets are a lot better now, so I w...
by amarone
Mon Jan 06, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Buy new vs used RX 350
Replies: 29
Views: 2931

Re: King sized mattress recommendation?

Personally, we bought a mattress from the Original Mattress Factory in 1998 and the mattress feels like it is brand new. It was about 30% less than the brand names on sale. http://originalmattress.com/ We bought a latex mattress from the Original Mattress Factory early last year. We did not want me...
by amarone
Mon Jan 06, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: King sized mattress recommendation?
Replies: 49
Views: 5286

Re: How much was your total 2013 credit card rewards

$1,699 on $90,120 spent on Amex Blue. So 1.9%.
by amarone
Mon Jan 06, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much was your total 2013 credit card rewards
Replies: 51
Views: 4177

Re: A tip on TIPS allocation

I'm often asked what percentage of a fixed income portfolio should be allocated to Treasury Inflation Protected Securities (TIPS). My answer is about 20%. Twenty percent of what and when? A person with say a 50/50 AA and a TBM type FI portfolio with maybe ~40% Treasuries would have about 20% of his...
by amarone
Mon Oct 07, 2013 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: A tip on TIPS allocation
Replies: 73
Views: 6321

Re: Quicken and Vanguard - Download Problem

All worked fine for me today. Downloaded 8 accounts (including linked MM accounts) using Direct Connect with no issues, other than getting the pop-up telling me about the error that turned out not to be the case.
by amarone
Wed Oct 02, 2013 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 16821

Re: Quicken and Vanguard - Download Problem

kenschmidt wrote:Any idea when this problem started? I did not have any issues last month but Sept. month end is approaching.

I download automatically every day and it looks as if the last successful one was Sep 23.
by amarone
Sun Sep 29, 2013 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 16821

Re: A quick warning about an annuity company [RiverSource]

Is sending a check through regular mail really such a problem? I don't believe I have ever had a check from a financial company sent any other way. btw, for those that don't know, RiverSource is part of Ameriprise and therefore provides expensive funds with expensive annuity fees on top - a bigger i...
by amarone
Tue Sep 17, 2013 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: A quick warning about an annuity company [RiverSource]
Replies: 14
Views: 1611

Re: Help switching Insurance - anyone use Geico??

I swapped my auto/home/umbrella from All State to GEICO when All State's premiums went up significantly, although I had never had a claim with them. I also have never had a claim with GEICO. Note that GEICO does not actually provide home insurance - they resell for several other companies. The first...
by amarone
Sat Sep 07, 2013 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Help switching Insurance - anyone use Geico??
Replies: 30
Views: 2282

Re: do you charge everything to 1 credit card?

I use a grandfathered old-style Amex Blue Cash for everything except where Amex is not accepted. I get 5% on groceries, gas & drugstore, except the first $6,500 each year where the amounts are lower, but I've already passed that mark this year. I got $1,400 cash-back last year.
by amarone
Wed Feb 06, 2013 11:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you charge everything to 1 credit card?
Replies: 60
Views: 3737

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1511.02
by amarone
Fri Jan 04, 2013 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15409

Re: Anyone using Quicken 2013?

SarahShaw wrote:For me the useful thing in Q2012 vs Q2011 is that Q2012 will automatically update currency exchange rates.

Now that is good news. I am British and have UK bank accounts and investments, so it would be great to get the rates updated automatically.
by amarone
Fri Oct 05, 2012 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Anyone using Quicken 2013?
Replies: 77
Views: 15825

Anyone using Quicken 2013?

I use Quicken a lot and am currently using Quicken Premier 2011. I generally upgrade every couple of years. The 2013 version is now out - is anyone using it and do you have any feedback? As I have never used 2012 either, any feedback on new features in that version would be useful (I hear that budge...
by amarone
Fri Oct 05, 2012 10:37 am
 
Forum: Personal Consumer Issues
Topic: Anyone using Quicken 2013?
Replies: 77
Views: 15825

Re: Can we have links opening in a new tab by default?

German Expat wrote:Just hold the control (ctrl) key down before you click the link and it opens a new tab.

I know - see my original post. I just never remember because this is the only forum I use that does not open a new tab by default.
by amarone
Wed May 16, 2012 8:10 pm
 
Forum: Forum Issues and Administration
Topic: Can we have links opening in a new tab by default?
Replies: 17
Views: 1504

Re: Can we have links opening in a new tab by default?

You can use this Chrome Extension which is officially supported by Google https://chrome.google.com/webstore/detail/fjccknnhdnkbanjilpjddjhmkghmachn/related That did the trick - thank you. No it didn't - with that option every single link you click on opens a new tab, even when just navigating arou...
by amarone
Wed May 16, 2012 7:50 pm
 
Forum: Forum Issues and Administration
Topic: Can we have links opening in a new tab by default?
Replies: 17
Views: 1504

Re: Can we have links opening in a new tab by default?

statsnerd wrote:You can use this Chrome Extension which is officially supported by Google

https://chrome.google.com/webstore/detail/fjccknnhdnkbanjilpjddjhmkghmachn/related


That did the trick - thank you.
by amarone
Wed May 16, 2012 6:53 pm
 
Forum: Forum Issues and Administration
Topic: Can we have links opening in a new tab by default?
Replies: 17
Views: 1504

Re: Can we have links opening in a new tab by default?

Sorry, that's not part of the forum software, you'll need to use your browser. In Firefox, Preferences --> Tabs gives you the options. I mostly use Chrome, sometimes IE. I don't see any related options in Chrome. In IE the options suggest that a new tab will be opened, but that is not what happens.
by amarone
Wed May 16, 2012 6:38 pm
 
Forum: Forum Issues and Administration
Topic: Can we have links opening in a new tab by default?
Replies: 17
Views: 1504

Can we have links opening in a new tab by default?

When you click on a link, you are taken to that page, and out of the Boglehead forum. Can we have it such that the link opens in a new tab, leaving the original post in the original tab? Yes, I know I can do it myself by holding Ctrl as I click the link, but I would prefer the new tab to be the defa...
by amarone
Wed May 16, 2012 6:02 pm
 
Forum: Forum Issues and Administration
Topic: Can we have links opening in a new tab by default?
Replies: 17
Views: 1504

Re: EPA MPG Adjustment for Premium Fuel

Are you sure about this? I am not a petroleum engineer, but years ago, I asked my father about this (he is one) and he said higher octane allows higher compression ratio. You could put higher octane into your car which runs fine at 87 octane, but you will not get more mpg. While you are correct tha...
by amarone
Thu May 10, 2012 12:02 am
 
Forum: Personal Consumer Issues
Topic: EPA MPG Adjustment for Premium Fuel
Replies: 26
Views: 1484

Re: Toyota Highlander overkill for 2 people?

I started a thread about medium-sized SUVs, with the Highlander being one that we looked at. We ended up buying a Subaru Outback, V6 version. It drives way better than the Highlander. It doesn't carry as much cargo and does not have a third row of seats. They were not important to us and it sounds a...
by amarone
Sun May 06, 2012 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Toyota Highlander overkill for 2 people?
Replies: 52
Views: 3477

Re: Retiring

Watty wrote:This means that if I stay in Georgia when I retire then I will pay... a couple of hundred dollars a year car registration,

Even that is being eliminated for cars bought after March 1, 2013
by amarone
Mon Apr 23, 2012 12:08 am
 
Forum: Personal Consumer Issues
Topic: Retiring [to Florida?]
Replies: 47
Views: 4158

Re: would you rather retire early or retire richer?

I took unlisted option 4 - retire early but keep the wife working. Actually, we have a plan under which she will retire at the same age I did (52). Clearly we made a decent amount of money to be retiring so early, but we have/will turn down the opportunity to make significantly more in favor of enjo...
by amarone
Tue Apr 17, 2012 5:32 pm
 
Forum: Personal Consumer Issues
Topic: would you rather retire early or retire richer?
Replies: 86
Views: 5591

Re: Kids Allowance

We are using an approach recommended by Suze Orman (yeah, yeah - don't flame me too badly). There are some chores that must be done as part of being in the family. There is no allowance tied to those. There are then optional chores for which we pay. There is zero unearned allowance. The idea is that...
by amarone
Tue Apr 17, 2012 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kids Allowance
Replies: 25
Views: 1761

Re: Fee only advisors

If she is bringing at least 100K ,Vanguard will do a plan for free. Are you sure it is $100k? It looks from https://personal.vanguard.com/us/whatweoffer/personalservices/flagshipandvoyager?Link=facet as if $50k - $500k gets a "discounted plan", and $500k is needed for a free one. Or is th...
by amarone
Wed Apr 04, 2012 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fee only advisors
Replies: 19
Views: 1433

Re: Fee only advisors

If she is bringing at least 100K ,Vanguard will do a plan for free. Are you sure it is $100k? It looks from https://personal.vanguard.com/us/whatweoffer/personalservices/flagshipandvoyager?Link=facet as if $50k - $500k gets a "discounted plan", and $500k is needed for a free one. Or is th...
by amarone
Wed Apr 04, 2012 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fee only advisors
Replies: 19
Views: 1433

Re: REIT & Wells Fargo Mutual Funds: 2 questions.

Question One: Wife holds on her IRA 5,400 shares of CPA15 REIT, Ameriprise is the custodian. Dividends flow into a Columbia Money Market Fund ((which by the way has not done anything since 2008!) We're leaving them, so: Is there another institution with low fees that will allow us to hold the REIT ...
by amarone
Thu Mar 15, 2012 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: REIT & Wells Fargo Mutual Funds: 2 questions.
Replies: 6
Views: 467

Re: New AMEX Blue Cash rewards lowered

The original (old) Blue Cash Card was called just that, "Blue Cash." It did not have a fee, but for the first $6500 that you charged on the card annually, you would get reduced rates (and I can't remember what they are). Then once you hit the $6500 you would get 5% on groceries, gas and d...
by amarone
Tue Feb 14, 2012 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: New AMEX Blue Cash rewards lowered
Replies: 9
Views: 1767

Re: Dividend Taxation Effects on Tax-Efficient Fund Placemen

You are correct - the aforementioned budget assumes no new legislation enacted. As it currently stands, dividend and cap gains tax rates will revert to the same level as ordinary income at the end of 2012. Long term capital gains will not be taxed at ordinary income rates - the rate will increase t...
by amarone
Tue Feb 14, 2012 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Taxation Effects on Tax-Efficient Fund Placement
Replies: 62
Views: 2861

Re: who does "scheduled maintenance" on their cars?

The poll shows that 38% of people do NOT do the scheduled maintenance on their car. And this forum can afford to do it. Imagine how many regular people do NOT do regular maintenance? 50%+ easily I bet. There's another reason for buying NEW over USED cars. I don't think you understand what the OP me...
by amarone
Tue Feb 07, 2012 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: who does "scheduled maintenance" on their cars?
Replies: 75
Views: 5831

Re: How do you retirees pay for new/new used cars?

Another cash buyer here, but in terms of measuring my expenditure, I only count depreciation as the expense, not the total price. Most of the money is a transfer from my bank account to my vehicle asset. Hence as long as the depreciation doesn't blow my expense budget, I am happy.
by amarone
Wed Feb 01, 2012 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you retirees pay for new/new used cars?
Replies: 58
Views: 5068

Re: How many are you are paying monthly bank fees

No, but just recently Wells Fargo has started charging a $20 fee and immediately refunding it. It's really weird. I think the correct sequence is that they give you the $20 credit before they charge you [I pay attention to details]. It doesn't show up on-line or in your monthly statement, but it do...
by amarone
Sat Jan 21, 2012 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: How many are you are paying monthly bank fees
Replies: 75
Views: 3441

Re: How many are you are paying monthly bank fees

No, but just recently Wells Fargo has started charging a $20 fee and immediately refunding it.
by amarone
Sat Jan 21, 2012 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: How many are you are paying monthly bank fees
Replies: 75
Views: 3441

Re: Client refusing to pay invoice

I've hired consultants and been a consultant. I side with the people who feel that you are the one coming across as unreasonable. I always signed NDAs in both roles. They are generally no big deal. Is your client a big company? It may be that your contact has screwed up and his corporate rules will ...
by amarone
Sat Jan 21, 2012 7:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Client refusing to pay invoice
Replies: 39
Views: 2878

Re: Opinions on Highlander, Venza, CX-9

And the winner is... Subaru Outback 3.6 Limited. We decided not to try the Acura TSX wagon on discovering that it had significantly less cargo space than the other cars we were considering. The Outback drives well and we were concerned about the negative comments about the Venza on its user forums. ...
by amarone
Fri Jan 20, 2012 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinions on Highlander, Venza, CX-9
Replies: 46
Views: 2951

Re: Opinions on Highlander, Venza, CX-9

The thing I don't like about highlander is that you cannot get a base V6 model on the lot. It must be ordered which will take up to a month. All base highlanders come with tech package and tow which is an extra $3000 I don't want to spend. You cannot even get a 2012 Venza until March. I don't know ...
by amarone
Sat Jan 14, 2012 7:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Opinions on Highlander, Venza, CX-9
Replies: 46
Views: 2951

Re: Opinions on Highlander, Venza, CX-9

....and if there is an Acura dealership on the way to that different Subaru dealer I agree with FrugalInvestor that you might like the TSX sportwagon if it fits in your budget. I think it is worth trying. I rejected it originally as there does not seem to be a V6 model, but I now see that the 4 cyl...
by amarone
Sat Jan 14, 2012 7:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Opinions on Highlander, Venza, CX-9
Replies: 46
Views: 2951

Re: Opinions on Highlander, Venza, CX-9

....and if there is an Acura dealership on the way to that different Subaru dealer I agree with FrugalInvestor that you might like the TSX sportwagon if it fits in your budget. I think it is worth trying. I rejected it originally as there does not seem to be a V6 model, but I now see that the 4 cyl...
by amarone
Fri Jan 13, 2012 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinions on Highlander, Venza, CX-9
Replies: 46
Views: 2951

Re: Opinions on Highlander, Venza, CX-9

BogleBrit wrote:Aren't there other Subaru dealers close to you that you could go to ? I'm not sure I would go back to the one that had inconvenienced me twice already. That just doesn't seem like a good sign......

There are others within 20 - 40 miles, so that is a possibility.
by amarone
Fri Jan 13, 2012 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinions on Highlander, Venza, CX-9
Replies: 46
Views: 2951

Re: Opinions on Highlander, Venza, CX-9

To the OP maybe you have already bought...I missed this thread but commented about the Venza just the other day on another thread linked below. This was a very timely response, actually - I was sitting in the Toyota dealership when the notification email came through. We have not yet made a decisio...
by amarone
Fri Jan 13, 2012 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinions on Highlander, Venza, CX-9
Replies: 46
Views: 2951

Re: Let's compare credit card returns for 2011!

AmEx Blue Cash

Spent: $65,193
Cash Back: $1,249
Percentage: 1.92%
by amarone
Wed Jan 11, 2012 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Let's compare credit card returns for 2011!
Replies: 56
Views: 9107

Re: Who are the Bogleheads - age adjusted net worth

Sorry but what is the hat in the calculation? It's the caret symbol and is above the 6 key on my keyboard. It means "to the power of". So 4^2 = 4 squared. You can use that symbol in Excel or in Google (and no doubt other places). And how do I do it on a regular keyboard? Shift-6 does it o...
by amarone
Tue Jan 10, 2012 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: Who are the Bogleheads - age adjusted net worth
Replies: 62
Views: 4947

Re: Who are the Bogleheads - age adjusted net worth

HongKonger wrote:Sorry but what is the hat in the calculation?

It's the caret symbol and is above the 6 key on my keyboard. It means "to the power of". So 4^2 = 4 squared. You can use that symbol in Excel or in Google (and no doubt other places).
by amarone
Tue Jan 10, 2012 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: Who are the Bogleheads - age adjusted net worth
Replies: 62
Views: 4947

Re: Who are the Bogleheads - age adjusted net worth

yobria wrote:It's also going to overrepresent any married person who reports the combined net worth of both spouses.
Nick

I just realized that I did this using my age. If I had used either my wife's age or our average age, we would have been in a different category.
by amarone
Tue Jan 10, 2012 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Who are the Bogleheads - age adjusted net worth
Replies: 62
Views: 4947

Re: What cost basis method did you select at Vanguard and wh

Specific, for extra tax efficiency. I use direct connect into Quicken, so there is no difficulty keeping track of lots.
by amarone
Wed Jan 04, 2012 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: What cost basis method did you select at Vanguard and why?
Replies: 46
Views: 3694
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