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Flagship

Made it today.

I have assets at a few other insititutions besides Vanguard so if I had consolidated it would have happened a while ago.
by bru
Wed Dec 17, 2014 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship
Replies: 22
Views: 2857

Re: 10% off Target GiftCards - Black Friday Preview

Just saw this thread. I took advantage of this deal to use my old Target GCs to buy new physical GCs at a 10% discount. It was a balancing act and a race against time because you could only use (I think) four GCs to pay so I had to make sure I was using them efficiently. I did my transcactions and h...
by bru
Tue Dec 16, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 35
Views: 5606

Re: Should we keep all bonds in inherited tIRA?

One is from my Father that has a RMD rate based on his age, so it has a much larger RMD requirement. How were you able to do this? I thought any non spousal inherited IRAs had to go by the new owner's lifespan to calculate the RMD. I inherited my father's IRA and I am fairly certain the RMD is base...
by bru
Tue Dec 16, 2014 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Should we keep all bonds in inherited tIRA?
Replies: 7
Views: 543

Re: help! suspicious call asking about my SS application

Contact the SSA. Best thing to do is to contact the SSA -- this is from their website Generally, we do not publish the phone numbers of our local offices. You can call us toll-free at 1-800-772-1213 (TTY 1-800-325-0778). Be prepared for a long wait. My wife recently got a call from SSA to tell her ...
by bru
Fri Dec 12, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: help! suspicious call asking about my SS application
Replies: 12
Views: 1423

FT Article: Vanguard turns firepower on...

In addition to discussing their new financial advisory services there are some pretty eye popping numbers in terms of assets under management. "Vanguard turns firepower on shake-up of financial advice market" http://www.ft.com/cms/s/0/c353e40a-7c97-11e4-aa9c-00144feabdc0.html#axzz3LKkU2yTU...
by bru
Mon Dec 08, 2014 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: FT Article: Vanguard turns firepower on...
Replies: 3
Views: 1352

Re: Vanguard offers login security code

Soon I will have unlimited texts but for now I pay for each. How would GV work with this? I'd have to check my GV account for the code? Seems a bit cumbersome. I'm not comlaining per se since I really don't have too much concern regarding security, just wondering how someone with text service can be...
by bru
Sat Dec 06, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 96
Views: 14328

Re: Would you move/stay for better school district?

A top rated school district is a definite plus for the value of your home long term. From what I have been told by and large if an elementary school is located within a neighborhood it performs well because it has high parental participation. Our house is in a very funny location in our school dist...
by bru
Wed Dec 03, 2014 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Would you move/stay for better school district?
Replies: 55
Views: 4622

Re: tipping rubbish pickup people and letter carriers

I do not tip the people responsible for either of the services the OP mentions. It could get expensive since there are at least three, garbage, recycling and yard waste. Nor do I tip the newspaper delivery person. Her service has been so erratic over the years I can't see rewarding her. Or maybe my ...
by bru
Wed Dec 03, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: tipping rubbish pickup people and letter carriers
Replies: 56
Views: 3682

Re: Help with too much cash

Salary: $125,000-160,000+ Cash: $90,000 Monthly expenses are $3-4K. What can I do with the cash? Pay off home? Invest in Stocks when the market drops 10 percent? Invest in bonds fund and then switch to Stock index when the market drops? Thanks for the help. edit: Nevermind. Not sure what I was thin...
by bru
Mon Dec 01, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with too much cash
Replies: 13
Views: 1358

Re: Apple Stock - Seems great, right?

This past year I'm up about $350k from my Apple stock (over 50% appreciation). I consider myself a wannabe boglehead but majority of my savings are in Apple stock. I must hold until June to wait for long term status to kick so i'll save about 20% taxes which is significant. I wish I had the guts to...
by bru
Mon Nov 24, 2014 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11102

Re: Help: Three Fund Portfolio at Fidelity

Use the Spartan Total Stock Index and the Spartan US bond Index at Fidelity because these are essentially identical to the Vanguard versions. Use Vanguard's Total International Index because it is more complete than the Fido funds. If you must hold international at Fido, use the Spartan Global Exce...
by bru
Sun Nov 23, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 3511

Re: Apple Stock - Seems great, right?

Every person has their own individual level of risk tolerance. There are fewer "I made a bunch of money on XYZ" threads because they're not as dramatic as losing 93% of your retirement assets. The problem is that a success is a success until it's not. What about AAPL's massive pullback fr...
by bru
Fri Nov 21, 2014 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11102

Re: Apple Stock - Seems great, right?

I was merely pointing out that it's pretty easy to come on a message board and tout all the great picks you made... and noting that I'd take those with a grain of salt without proof. I didn't come on a message board to "tout" anything. I posted in two different threads about AAPL. In the ...
by bru
Fri Nov 21, 2014 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11102

Re: Vanguard launches new offering ... [Vanguard merchandise

Many of us got a free Vanguard T-Shirt a few years back. Now they are charging?? So much for any more freebies.
by bru
Thu Nov 20, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 13007

Re: What to prepare for first baby due next month?

Have a 2 yr. old and my wife and me are both physicians and we both will EASILY admit being a first time parent is MUCH harder then any year of education or residency training we have had. Then I should have gone to medical school. Maybe being a later in life parent clouded my recollection but we r...
by bru
Thu Nov 20, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 4236

Re: Apple Stock - Seems great, right?

I'm patiently waiting for this thread on AAPL to be a repeat of the GTAT thread :twisted: I also would love to see some trade confirms posted by all the people touting their great picks... and if somehow possible, proof of there not being any stocks they bet on that didnt do so hot. I figured there...
by bru
Thu Nov 20, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11102

Re: Apple Stock - Seems great, right?

There are numerous threads floating around about AAPL. Some going back several years, some more recent. I posted in this one and got raked over the coals. It seems people don't mind having long discussions about individual stock disasters but don't want to hear about the successes. Whatever. http://...
by bru
Thu Nov 20, 2014 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11102

Re: Which bond fund for a three-fund taxable portfolio?

This WIKI link may help http://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantaged_account John From that article: "Depending on the interest rate, a typical money market fund yields anywhere from 2% to 5%" How long ago was it written? I think it needs updating. Makes me wonder...
by bru
Wed Nov 19, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond fund for a three-fund taxable portfolio?
Replies: 8
Views: 1639

Re: Heads up best reward credit card I've seen.

An additional 6% off of groceries would be nice. However, I already save 20%-40% by buying my groceries at Aldi's, which does not accept credit cards. 3% on gas year round is nice, but there are other offers out there. I walk to work, so likely wouldn't be able to outpace the $75/year fee too easil...
by bru
Tue Nov 18, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 8419

Re: Electricity costs going up

Wow, here in Chicago I pay 5.99c/kWh with alternative provider, while ComEd has 7+c/KWh rate. Did not realize the discrepancy is so huge across the country. This is way more than cost of gas difference, nearly 3x. What provider gives you that rate? And how long will you have that rate? Seems to me ...
by bru
Tue Nov 11, 2014 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Electricity costs going up
Replies: 46
Views: 3697

Re: 22, I want to be rich, looking for a high reward fund

You didn't give a timeframe of when you wanted to be rich. And for that matter what your definition of "rich" is. If you invest that $400 every month in to index funds that track the stock market you will most likely get a good yearly return on your money. After 20 years or so you will be ...
by bru
Sat Nov 08, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6458

Re: Electricity costs going up

My state allows one to pick their own electricity and natural gas suppliers. Many municipalities, with voter approval, did aggregation and got deals with the electricity suppliers. My city did this and got a great deal, 2 years ago. It really protected me from the rising rates, especially this past ...
by bru
Sat Nov 08, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Electricity costs going up
Replies: 46
Views: 3697

Re: ObamaCare vs. Private Insurance??

There is a lot of confusion and misinformation about this topic. Doctors are confused. I should say the office staff is confused and don't realize that patients have policies that would not and could not be accepted by the provider. The doctors are catching on, and you will start to see signs poste...
by bru
Fri Nov 07, 2014 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 11824

Re: New vs. Used Honda CRV

5 months later and you are still debating? And I thought I had trouble making decisions. New. Or maybe the HR-V (there's that darn hyphen again) will meet your needs. Smaller than the CR-V, based on the Fit. http://www.forbes.com/sites/matthewdepaula/2014/10/31/will-the-2016-honda-hr-v-could-touch-o...
by bru
Mon Nov 03, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6470

Re: For a 31.5 year old single guy, how am I doing?

Myself and many here wouldn't have that level of monthly expenses but if you take home $5800 the amount you are spending doesn't seem completely out of whack. At least you aren't spending more than you make. If you can reduce your expenses, all the better. But don't feel guilty that you spend some o...
by bru
Sun Nov 02, 2014 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: how am I doing?
Replies: 36
Views: 4229

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit? A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall. "Past performance is no guarantee of future results". Brilliant response. People are saying IBM's buyback program didn't work. Seems to me it ...
by bru
Wed Oct 22, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 66
Views: 4952

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit?

A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall.
by bru
Tue Oct 21, 2014 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 66
Views: 4952

Re: Multiple Fake "Thank you for your order"?

The most popular themes in this batch were court appearance notices (with attached virus in zip file), penny stock touts, memory eating parasites, cures for diabetes, and Obama's refi program. I'm sure you and me are not alone in receiving those court appearance notices. They were coming in fast an...
by bru
Mon Oct 20, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2490

Re: funding roth ira for son

Hi, My son is college student. He worked over the summer and made around $2,300. We told him we'd match it if he puts the money into a roth and doesn't touch it until he retires. He has checks from his employer that have not been cashed. Can I deposit his checks into my account and fund the account...
by bru
Mon Oct 20, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: funding roth ira for son
Replies: 10
Views: 1183

Re: Multiple Fake "Thank you for your order"?

LeeMKE wrote:Take care, it's the Wild Wild West out there!
In the Wild Wild West chances are you knew who was about to shoot you or do you harm. Now the person trying to do you in is probably half way around the world.
by bru
Mon Oct 20, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2490

Re: Fidelity Investments Hacked

I used Target because it is the best known example, I have no negative opinion about Target. My point is that the hackers will be very busy to try every credit card numbers and your chances of getting hid are very small. Even if you get hit, you are not supposed to be responsible for that. The cred...
by bru
Mon Oct 13, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Investments Hacked
Replies: 21
Views: 2674

Re: Fidelity Investments Hacked

These days, there are lots of hacking stories in the news. In my opinion, if the hacker got 10 million credit card number from Target, for example, what are the chances that you will get an unrecognized charge on your statement? I guess the changes are much smaller than someone at the grocery store...
by bru
Mon Oct 13, 2014 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Investments Hacked
Replies: 21
Views: 2674

Question re: RMD

I have to take a RMD from an inherited IRA. Can I take the RMD piecemeal rather than all at once? And if I do I assume it is considered income in the month it was taken. I need to report monthly income so this is why I am asking. If I wait until say December to take the entire distribution my income...
by bru
Mon Oct 13, 2014 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Question re: RMD
Replies: 19
Views: 1446

Re: Fidelity Investments Hacked

First I've heard of it but a quick search shows that indeed, something occurred. Fidelity must have good PR to keep it under wraps. "We have no indication that any Fidelity customer sites, accounts, information, services or systems were affected by this matter," said a Fidelity spokesman. ...
by bru
Mon Oct 13, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Investments Hacked
Replies: 21
Views: 2674

Re: "Vanguard converting mutual fund accounts to brokerage?

So no you aren't understanding it correctly. Every account you have will have its own account number. Your roth has one account number, your non-retirement account has its own account number, etc. But previously, within each account there were two account numbers. One for VG mutual funds, and one f...
by bru
Sat Oct 11, 2014 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 252
Views: 16816

Re: Cleaning Up Leaves

This was trending on Yahoo.

"Wait, Is It Actually a Mistake to Rake Leaves?"

https://homes.yahoo.com/news/wait-actua ... 15886.html
by bru
Sat Oct 11, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3454

Re: "Vanguard converting mutual fund accounts to brokerage?

Am I understanding this correct? I specifically have and want different account numbers. I just opened a new individual account because I want the money invested to be considered separate from my other individual account. I have two different Roth IRA accounts as well. Why should I have to have one ...
by bru
Fri Oct 10, 2014 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 252
Views: 16816

Re: Question - Vanguard's New Brokerage Account Numbers

So let me break this down: At the top is your Social Security number. Your social security number has only one username/password that can be associated with it. With that login, you see all the accounts that you either own or are an agent on. Each account (under the new structure) will have only on...
by bru
Fri Oct 10, 2014 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: Question - Vanguard's New Brokerage Account Numbers
Replies: 7
Views: 1128

Re: Sixth anniversary of worst week ever for stocks

I don't even remember it.

I suppose if I look at my records I probably did some buying during that week.
by bru
Thu Oct 09, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 5596

Re: Headed for a 300+ point loss today?

I only care that I had no access to a computer until after the market closed and could not buy today.
by bru
Thu Oct 09, 2014 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36407

Re: AAPL

If AAPL shares were zero tomorrow, I guarantee you'd be down far more than 3%. Apple is tethered to many companies and is a big part of the economy, directly and indirectly. Any general economy condition that causes Apple great harm will doubtlessly hit other companies just as hard (i.e. Verizon, A...
by bru
Thu Oct 09, 2014 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 191
Views: 42017

Re: AAPL

Good thing you're not posting in the GTAT thread :wink: If tomorrow my AAPL shares were worthless it would be disappointing but it wouldn't destroy me. I would still have 97% of my money. I've never even heard of GTAT. After reading about them for the past few minutes I wouldn't even be able to tel...
by bru
Wed Oct 08, 2014 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 191
Views: 42017

Re: AAPL

Like others I am over 90% indexed. Some of my 5-10% play money is invested in AAPL Jan 2015 options. Options. You are a trader. Once uppn a time I read up on the process but never did anything more than that. The majority of my investments are in index funds but I do own a few individual stocks, in...
by bru
Wed Oct 08, 2014 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 191
Views: 42017

Re: AAPL

airahcaz wrote:
What a rollercoaster, I almost bailed yesterday/today if it continued to go down.

I LOVE my IP6.

Are you a trader or an investor? There is nothing wrong with investing in a company for the long term.
by bru
Wed Oct 08, 2014 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 191
Views: 42017

Re: AAPL

oldzey wrote:Good time to sell (and exchange for total market index funds). :D

Since your post on 8/21/14 AAPL is essentially unchanged (up $0.06). The S&P 500 is down ~1.3%. DOW and NASDAQ also down. Even after todays huge gain.
by bru
Wed Oct 08, 2014 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 191
Views: 42017

Re: AAPL

My AAPL investment is up 563% (including reinvested dividends). Easily beating the return of any other investment I have in the same time frame by many multiples. Now that it split I actually have more than just a handful of shares. My cost basis is ~$16/sh. Still it accounts for less than 3% of my ...
by bru
Wed Oct 08, 2014 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 191
Views: 42017

Re: New 2% cash back Mastercard from Citi

selftalk wrote:Has anyone received their 2% back from CITI Double Cash Card yet and did it go smoothly?

Some people have had their DCB cards for about a month.

I got mine less than two weeks after converting. Online access was a little messed between the old and new account but now seems to be sorted.
by bru
Wed Oct 08, 2014 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 34193

Re: New 2% cash back Mastercard from Citi

slbnoob wrote:Request for an opinion from board members: should I convert my Citi Forward card to Double Cash? Currently, my card seems to be grandfathered to earn 5 points for restaurants and Amazon (places of relevance).

Many reports of Citi Forward not being eligible for conversion.
by bru
Mon Sep 29, 2014 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 34193
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