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Re: Load vs No load calculator

Not exactly, but here's one that will make you feel the pain of expenses.

http://buyupside.com/calculators/feesdec07.htm

Another I just found, but haven't played with yet.

http://www.dinkytown.net/java/FundExpense.html
by island
Thu Mar 26, 2015 11:16 pm
 
Forum: Investing - Theory, News & General
Topic: Load vs No load calculator
Replies: 1
Views: 183

Re: Can I afford a $1M house?

How stable is your job and your ability to find one with a similar income if you lose it?
by island
Thu Mar 26, 2015 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 49
Views: 3609

Re: Vanguard HealthCare Fund

And why VGHCX managed fund rather than VHCIX, the health care index fund? I think a lot of people don't realize the index fund exists. On top of that, the asset coverage is different (the managed fund has nontrivial international holdings), and the minimum investment is larger for the index fund at...
by island
Tue Mar 24, 2015 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 50
Views: 3753

Re: Vanguard HealthCare Fund

And why VGHCX managed fund rather than VHCIX, the health care index fund? I think a lot of people don't realize the index fund exists. On top of that, the asset coverage is different (the managed fund has nontrivial international holdings), and the minimum investment is larger for the index fund at...
by island
Tue Mar 24, 2015 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 50
Views: 3753

Re: Vanguard HealthCare Fund

And why VGHCX managed fund rather than VHCIX, the health care index fund?
by island
Tue Mar 24, 2015 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 50
Views: 3753

Re: Vanguard HealthCare Fund

Do you all hold it in your tax deferred or ROTH? Is it tax effecient and suitable for a taxable account?
by island
Tue Mar 24, 2015 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 50
Views: 3753

Re: Fish from Costco?

BahamaMan wrote:
island wrote:I have, several times, and I don't like it. All taste different, but all (people) have different tastes and salmon is not for me.


OK, that's fine...But if it's 'too fishy', it's not fresh!


You don't think some are more mild in flavor than others? Sheesh.
by island
Mon Mar 23, 2015 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 33
Views: 3721

Re: Fish from Costco?

Salmon is too fishy and oily tasting for me. You have not eaten it fresh then. And probably you had Farm Raised Atlantic Salmon. There are 5 species of Pacific Salmon. All taste different. I have, several times, and I don't like it. All taste different, but all (people) have different tastes and sa...
by island
Mon Mar 23, 2015 6:50 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 33
Views: 3721

Re: Advice for good friend

The planner has full control of all of her accounts (savings, checking, investments, etc.) and allocates where the family's paychecks go. This is just wrong and a disaster waiting to happen. Totally agree. The ERs are bad enough, along with the full control of course, but do you really want your em...
by island
Mon Mar 23, 2015 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for good friend
Replies: 38
Views: 3273

Re: Fish from Costco?

Salmon is too fishy and oily tasting for me. Have had great Alaskan halibut and ahi from Costco, both mild for my taste, but haven't tried frozen. Great big tasty scallops too. Used to get frozen filets of different fish from Trader Joe's that were good, but haven't been in awhile. Wonder how the Co...
by island
Mon Mar 23, 2015 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 33
Views: 3721

Re: Should I invest my emergency fund?

I treat the EF as a monthly bill to myself, so money is always going into it. When I have more then 6 months in an MMSA, I move the extra to I Bonds and a taxable investment fund, but a cash stash is something I'll never give up. It is deeply satisfying to solve a major problem by simply writing a ...
by island
Mon Mar 23, 2015 1:23 am
 
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 5905

Re: Calculator to determine tax owed on selling mutual fund?

FYI :happy http://www.moneychimp.com/features/capgain.htm Toons, thank you, that's exactly what I was looking for!! :D And thanks to the rest of you for the additional info. I realize the calculator might be an oversimplification, but it's a good quick starting point for me as I try to evaluate whi...
by island
Sun Mar 22, 2015 11:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculator to determine tax owed on selling mutual fund?
Replies: 7
Views: 618

Re: Legal for Doctor to Cover Insurance Co-pay?

MD here. It is ILLEGAL to not charge a co-pay. It is considered an INDUCEMENT; your incentivize patients to take an expensive (for the insurance company) procedure with no risk to the patient. Additionally, it is considered ANTI-COMPETITIVE; you encourage patients to go to you vs your competition b...
by island
Sun Mar 22, 2015 11:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Legal for Doctor to Cover Insurance Co-pay?
Replies: 40
Views: 2873

Re: Should I invest my emergency fund?

I put mine in I bonds. . So, do I! And the I bonds (in parent's name) can also be used for their kids educational purposes and so they have a dual role. I think livesoft has a better post/explanation about Efunds investing. You may be able to find it by searching the forum. Been searching for lives...
by island
Sun Mar 22, 2015 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 5905

Calculator to determine tax owed on selling mutual fund?

I have long held mutual funds in a taxable account that I'm thinking of selling in favor of Vanguard index funds, depending on a variety of factors, including the tax consequence of doing so. I have 6 different funds in that account and in order to keep it simple, my preference would to completely u...
by island
Sun Mar 22, 2015 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculator to determine tax owed on selling mutual fund?
Replies: 7
Views: 618

Re: Should I invest my emergency fund?

I put mine in I bonds. . So, do I! And the I bonds (in parent's name) can also be used for their kids educational purposes and so they have a dual role. I think livesoft has a better post/explanation about Efunds investing. You may be able to find it by searching the forum. Been searching for lives...
by island
Sun Mar 22, 2015 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 5905

Re: job offer, 2x salary

What's your current commute time now? 45 min more is nothing (at least where I live), but if you're already driving an hour, that's a completely different story.
If you take it and don't like it are there many other employment options in the area?
How long does the noncompete last?
by island
Thu Mar 19, 2015 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 4716

Re: Long Term Care Insurance Premium Increase

Who do you all purchase your insurance from, what's the company?
by island
Thu Mar 19, 2015 12:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Premium Increase
Replies: 20
Views: 1449

Re: Observations from a first time poster, long time reader.

jay22 wrote:Is it a bad thing that I do not know what a covered call is? :?

Me either. Something else to Google that I probably won't understand! :confused
by island
Wed Mar 18, 2015 11:58 pm
 
Forum: Investing - Theory, News & General
Topic: [New Member Observations- Covered Calls, Financial Advisors]
Replies: 221
Views: 15370

Re: Homeowners Insurance Issues

Shop The insurance market flucutates pretty significantly. Some people get multiple quotes every year. 4 years ago I got the best policy available for the money. This year I changed insurers and cut my bill nearly in half for the same coverage What's the best way to shop? Any sites that do the comp...
by island
Mon Mar 16, 2015 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Homeowners Insurance Issues
Replies: 9
Views: 1247

Re: Is this portfolio performance abnormally poor?

If he lump summed in 1994 into 24% US stock, 13% international stock, and 63% total bond and never rebalanced or changed, that should give 6.7% annualized since 1994 and result in approximately the current distribution today of assets. If he had the split by asset classes as described and rebalance...
by island
Mon Mar 16, 2015 8:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should my uncle drop his Financial Adviser?
Replies: 9
Views: 1552

Re: Do you still use currency or have you gone all-plastic?

Use credit cards whenever possible, except if a few dollars and some places only take cash or check. Always have an emergency $20 in my car (also a roll of quarters for parking) and desk drawer at work.
by island
Sun Mar 15, 2015 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 3189

Re: Cleaning my back yard?

Thanks everyone. I will be making a trip to Home Depot to get either bleach or wet-and-forget which several folks suggested. I will also get a stiff-bristle long-handle brush.. As folks suggested, I will spray bleach-water (50-50), then use the brush to loosen up the algae. If necessary, I might us...
by island
Sun Mar 15, 2015 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 35
Views: 3772

Re: What are some common misconceptions found in this forum?

Misconception? That many people read what others post in thes multi page threads.
Doubtful since usually posts get repetitive, off topic, silly and thread has long ago jumped the shark and run its course. :twisted:
by island
Sun Mar 15, 2015 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 207
Views: 16400

Re: Cleaning my back yard?

You may not need a pressure washer. A good cleaner and a long handled stiff brush, typically used for sweeping, may do the job. Also, are the brick pavers set in mortar? If they are set in sand or dirt, spray washer will not work. Agree. We have pavers and if not set in mortar you'll blast out all ...
by island
Sun Mar 15, 2015 12:34 am
 
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 35
Views: 3772

Re: Long term care worth it ?

I'm curious to hear answers to this also. Seems like $150/day would be a drop in the bucket now and certainly in 30+ years when you may need it, but I have no idea of the usual terms for these policies. Does it have a COLA?
by island
Sun Mar 15, 2015 12:15 am
 
Forum: Investing - Theory, News & General
Topic: Long term care worth it ?
Replies: 23
Views: 2579

Re: Recs for estate planning and tax pros in SAN DIEGO pleas

Thank you all for responding to this. I really appreciate it. Can use all the help I can get, so if you or anyone else has any other contacts, comments or suggestions, I'm all eyes!
Thanks again.
:D
by island
Fri Mar 13, 2015 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recs for estate planning and tax pros in SAN DIEGO please
Replies: 4
Views: 348

Re: Is PA a good state for retirees?

One big concern for people with parents living in PA without a lot of money is that Pennsylvania is the worst state when it comes to filial responsibility laws. In PA, private parties can sue children for the debts of their parents. There have been several high profile cases where children were for...
by island
Fri Mar 13, 2015 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is PA a good state for retirees?
Replies: 23
Views: 2087

Re: Is PA a good state for retirees?

I'm originally from PA and it looks pretty good to me since I now live in CA which is one of the worst states for retirees. If I understand it correctly PA doesn't tax social security, 401Ks/ IRAs or pensions. This website shows a state by state guide to taxes on retirees. http://www.kiplinger.com/t...
by island
Thu Mar 12, 2015 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is PA a good state for retirees?
Replies: 23
Views: 2087

Re: What are some common misconceptions found in this forum?

"Splurging on anything but vacations is non-Boglehead." Pure rubbish. +I big time. And if you want or have splurges, new cars, large homes, expensive engagement rings and watches, etc, it's because you've been brainwashed by advertising, only want them for show and for keeping up with the...
by island
Wed Mar 11, 2015 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 207
Views: 16400

Re: How is Your Pension Counted when Calculating Net Worth.

I don't understand the purpose of calculating and tracking net worth. Is it just a feel good kind of thing? Maybe I should start a thread to investigate, but I digress :happy Net worth is handy for doing things like asset allocation and, in retirement, determining withdrawal amounts. Also, there's ...
by island
Sun Mar 08, 2015 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: How is Your Pension Counted when Calculating Net Worth.
Replies: 40
Views: 2845

Re: Disposing of old greeting/holiday cards

It wasn't a joke in our family. The day after my grandmother's funeral, her son (my uncle) had a dumpster hauled to her door and threw it all away. It was fairly traumatic. She was neither a hoarder, nor a rat packer. He didn't even give the rest of the family a chance to weigh in... I'd say to let...
by island
Sun Mar 08, 2015 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Disposing of old greeting/holiday cards
Replies: 21
Views: 1057

Re: How is Your Pension Counted when Calculating Net Worth.

I don't understand the purpose of calculating and tracking net worth. Is it just a feel good kind of thing? Maybe I should start a thread to investigate, but I digress :happy DH and I will have non COLA pensions when we retire and don't count them in current or future net worth. We consider them a f...
by island
Sun Mar 08, 2015 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How is Your Pension Counted when Calculating Net Worth.
Replies: 40
Views: 2845

Re: How do you watch TV differently after "cutting the cable

Do you cable cutters still watch on TV or just on IPad, computer, etc?
by island
Sun Mar 08, 2015 6:17 pm
 
Forum: Personal Consumer Issues
Topic: How do you watch TV differently after "cutting the cable"?
Replies: 23
Views: 2190

Recs for estate planning and tax pros in SAN DIEGO please

Hi all. DH and I are mid 50 home owning DINKs living and working in San Diego, CA who need to get on the ball with estate planning. Currently don't even have a will or health directives and know we also need to have a living trust due to the crazy costs of probable in CA. Invested assets are current...
by island
Sun Mar 08, 2015 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recs for estate planning and tax pros in SAN DIEGO please
Replies: 4
Views: 348

Re: Disposing of old greeting/holiday cards

Whatever her reasons are she's attached to the cards and seems to have them reasonably organized and contained. Maybe you can help her find a spot where they can all be put in one place, a bigger drawer or decorative box to stash somewhere she can easily access. Other than that, forget about the car...
by island
Sun Mar 08, 2015 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Disposing of old greeting/holiday cards
Replies: 21
Views: 1057

Re: How to get started on a Trust/Will?

.....One of the big issues for us is tax preparation during our lifetime. It sounds like it should have no effect on our annual tax preparation while we are alive... any personal Turbotax edition (we use deluxe or premier Online) we used will handle the assets as if they were our own. It is only af...
by island
Sat Mar 07, 2015 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to get started on a Trust/Will?
Replies: 27
Views: 2262

Re: Decide when to pay CG tax and switch investments/funds

When considering the tax impact of liquidating accounts with capital gains, remember the AMT. The AMT has a reduced exemption as your income goes up so you may pay much more than the LTCG tax rate for your income. See http://fairmark.com/general-taxation/alternative-minimum-tax/top-ten-things-cause...
by island
Sat Mar 07, 2015 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Decide when to pay CG tax and switch investments/funds
Replies: 15
Views: 1760

Re: At which point

h8 2 lose wrote:At which point did you finally decide to buy something you've always wanted? Not a car or house either :).


So what is it? Do tell! :greedy
by island
Thu Mar 05, 2015 10:39 pm
 
Forum: Personal Consumer Issues
Topic: At which point [decide to buy something]
Replies: 26
Views: 1512

Re: What percentage of your total net worth is your home?

I don't count it in my net worth
by island
Wed Mar 04, 2015 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: What percentage of your total net worth is your home?
Replies: 62
Views: 4055

Re: Arguing Dental Bill

It is your responsibility to know what your insurance will and wont cover, you authorized the work you need to pay the bill. People need to stop being passive in their care and take ownership over their medical and dental care. Yeah that's nice but have a full time job already and trying to get tha...
by island
Wed Mar 04, 2015 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Arguing Dental Bill
Replies: 37
Views: 2410

Re: Oil & Vinegar

2nd the balsamic vinegar at Costco. Great on strawberries too; a little drizzle really brings out the sweetness.
by island
Mon Mar 02, 2015 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 4055

Re: How to find a spouse who wants financial independence

A couple of weeks after our first date I told my wife to be that I had a coupon for the restaurant but didn't think it was prudent to use. She asked Why not? We eventually went back and used the coupon. The restaurant is no longer in business but we still are. "most everything means nothing, e...
by island
Mon Mar 02, 2015 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 51
Views: 8089

Re: Does a Roth IRA make sense if you live in a high COL pla

I'm confused by the fact that OP seems to be asking multiple questions without giving adequate information in the thread. As far as Roth IRA in HCOL area, why not :confused As far as Roth IRA vs. 401k for this situation, given 25% bracket, it depends on 401k fund choices / expenses (I'm assuming if...
by island
Sun Mar 01, 2015 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Roth IRA make sense if you live in a high COL place?
Replies: 85
Views: 3293

Re: TradingPlaces' advice on travel awards

Missed this before now. Good stuff.
Bookmarked for future reference and thanks for providing the link to the thread that started it all. Merci!
by island
Sun Mar 01, 2015 11:03 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 191
Views: 14560

Re: Yale Endowment Report 2014

How can they get 36.1% annualized returns over a 20-year period on private equity!? Wow that is impressive! :greedy With Warren Buffett reporting somewhere around 23% or so annualized, it would be interesting to see how they achieve 36.1% annualized over a 20 year period. Simple: market efficiency....
by island
Sun Mar 01, 2015 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Yale Endowment Report 2014
Replies: 45
Views: 4474

Re: Wife turning 50, Ideas for gift?

Nice of you to be planning something special. That party sounds great....if she like surprises. I would hate that. I think you'd need to tell us more about her before we could suggest a gift. What does she like? Something that lasts forever, like a special piece of jewelry would be nice. If she like...
by island
Sun Mar 01, 2015 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Wife turning 50, Ideas for gift?
Replies: 25
Views: 1848

Re: Roll Call for the Retirement Class of 2015!

zbxb006 wrote:April 30 for me. 43 years of megacorp is enough.


Wow, 43 years with same company! I'm currently at 32. I think we're a dying breed.
Congrats and happy retirement! :beer
by island
Sun Mar 01, 2015 2:14 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 65
Views: 6371

Re: How to find a spouse who wants financial independence

mlebuf wrote:. It's an old but true axiom: Men use women as sex objects and women use men as success objects.


Really? Do you have any evidence to support your blatantly sexist "truism"? Come on, step into the 21st century.
by island
Sun Mar 01, 2015 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 51
Views: 8089
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