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Re: should participate in employer matches?

I think there is confusion on the percentages. Allow me to elaborate and feel free to contradict. Let's say, your match is 3% and expense ratio is 3%. If your contribution is 3% at 100k, and company match is 3%, that means you contributed 3000 and company contributed 3000 for a totla of $6000. The ...
by jsl11
Tue Sep 30, 2014 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: should participate in employer matches?
Replies: 12
Views: 491

Vanguard Corporate Bond Funds

I am interested in a Vanguard intermediate term corporate bond fund. I find two funds that seem to be very similar, the Intermediate Term Investment Grade Fund, and the Intermediate Corporate Bond Index fund. The index fund has a .25% purchase fee. The expense ratios are similar. Is there an advanta...
by jsl11
Tue Sep 30, 2014 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Corporate Bond Funds
Replies: 3
Views: 232

Re: should participate in employer matches?

I think there is confusion on the percentages. Allow me to elaborate and feel free to contradict. Let's say, your match is 3% and expense ratio is 3%. If your contribution is 3% at 100k, and company match is 3%, that means you contributed 3000 and company contributed 3000 for a totla of $6000. The ...
by jsl11
Tue Sep 30, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: should participate in employer matches?
Replies: 12
Views: 491

Re: "How Retirement Fees Cost You"

Every 401k has two sets of rules. The IRS rules and the plan rules. The plan rules will state whether or not you can roll money into an IRA. In my experience, you cannot do this if you are under the age of 59.5 while still employed by that company. After 59.5, some plans allow partial rollover and s...
by jsl11
Tue Sep 30, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: "How Retirement Fees Cost You"
Replies: 23
Views: 2234

Re: Can you buy I-Bonds from you Vanguard Acc.?

No. I-Bonds can only be bought directly from the US Treasury Dept.
Jeff
by jsl11
Sun Sep 28, 2014 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you buy I-Bonds from you Vanguard Acc.?
Replies: 2
Views: 414

Re: 'Play Money' - why 5%?

I would suggest that 5% is just a "rule of thumb". It is large enough to not be trivial, but small enough to not have a major impact on your portfolio if things go terribly wrong.
Jeff
by jsl11
Sun Sep 28, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play Money' - why 5%?
Replies: 42
Views: 1582

Harbor Bond Fund

The breaking news about Bill Gross also affects Harbor Bond Fund. This is a no-load bond fund that has been managed by Bill Gross since its inception. Mr. Gross leaving PIMCO also means that he is leaving Harbor Bond. Should an investor in this fund 1. Sit tight? 2. Wait a short time and then get ou...
by jsl11
Fri Sep 26, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Harbor Bond Fund
Replies: 0
Views: 141

Re: New kitchen cabinets or new doors?

I would suggest that if you put in new cabinets, you would not get 20K to 30K more for your house when you sell. A nicer looking kitchen will increase the value of your house. However, the new doors will accomplish most the value increase, and save you 15K to 25K.
Jeff
by jsl11
Wed Sep 24, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: New kitchen cabinets or new doors?
Replies: 28
Views: 1675

Re: What should one pay for a student cello?

When my daughter was taking music lessons, her teacher recommended an mail order music supply company called "Woodwind and Brasswind". You may wish to review their web site at http://www.wwbw.com. They also handle string instruments. It has been a long time since I dealt with them, but I a...
by jsl11
Wed Sep 24, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: What should one pay for a student cello?
Replies: 10
Views: 687

Re: What should one pay for a student cello?

Often, if an instrument is rented, the rental payments can apply to the purchase of the instrument at the end of the rental period. So, if the student wishes to continue, the rental payments are not lost. However, if she loses interest, no further investment is needed.
Jeff
by jsl11
Wed Sep 24, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: What should one pay for a student cello?
Replies: 10
Views: 687

Re: Social Security question

To put it mildly, others are so much more "in the know". That said, and since sscritic is MIA these days, one might consider a trip to the local S/S office with these queries. Mind you, despite all the comments about long waits and such, if you make an appointment, it's not a huge issue. ...
by jsl11
Wed Sep 24, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security question
Replies: 5
Views: 846

Re: Total Stock Market Dividends

The September dividend for TSM is also virtually the same as Vanguard's high dividend yield fund: Vanguard Total Stock Market - $0.46500 Vanguard High Dividend Yield - $0.46900 ... it seems that TSM is superior in a lot of ways. As red5 pointed out, it is the percentage, not the amount, of the divi...
by jsl11
Tue Sep 23, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Total Stock Market Dividends
Replies: 18
Views: 1155

Re: question regarding PM

yes they are
by jsl11
Mon Sep 22, 2014 1:31 am
 
Forum: Forum Issues and Administration
Topic: question regarding PM
Replies: 3
Views: 452

Re: Refrigerator problem

Sorry yours did not work out js!11. Plan B for me was going to be a. Return board for refund and b. Go get a new one. I guess you went Plan B sub b! It is more complicated than that. The instructions for the new circuit board involved cutting an existing wire. So, I did not want to revert to the ol...
by jsl11
Sun Sep 21, 2014 11:09 am
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1673

Re: Refrigerator problem

Our GE Profile 10 year old started acting erratic: Water Dispenser would not dispense, Ice maker would not work, temp in freezer and food compartments started acting up (like yours). Then it finally just quit running at all; no lights at all). Did the cleaning process etc., to no avail. Went on lin...
by jsl11
Sat Sep 20, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1673

Re: Hypothetical Question

my withdrawal rate will be dictated by RMD when the time comes You should be aware that your withdrawal rate is determined by your need for money to spend. The RMD is only the government making you pay some taxes. If you need more than the RMD, of course you will withdraw more. However, if you need...
by jsl11
Fri Sep 19, 2014 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hypothetical Question [Portfolio help]
Replies: 10
Views: 717

Re: In what year is January Social Security deposit taxed

IIRC, SS income is taxed in the year it is paid.
Jeff
by jsl11
Thu Sep 18, 2014 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: In what year is January Social Security deposit taxed
Replies: 1
Views: 298

Re: Air Purifier for Allergies

There is an alternative approach if you have forced air heating and cooling. Furnace filters come with different filtering ability. The last time I looked, Home Depot had 4 levels of filters. I had a situation where we inadvertently brought an allergen into the house. The doctor said it was probably...
by jsl11
Wed Sep 17, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 27
Views: 1570

Re: Most cost effective means of protecting physical assets

Insurance is a must. In addition to theft, it provides protection against fire, and provides liability coverage as well. An alarm system is also worthwhile. Although the police cannot respond immediately, the alarm system should include a loud alarm that goes off inside the house. So, the burglars k...
by jsl11
Mon Sep 15, 2014 8:44 pm
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 50
Views: 3988

Re: Good hobby for a bright/obsessive 9 year old?

If he has the interest, I highly recommend music lessons to learn a band instrument of his choice. Being in the band at school has a number of advantages: 1. He will learn to take a disciplined approach to things. Learning an instrument takes practice. 2. He will learn to appreciate different types ...
by jsl11
Mon Sep 15, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3060

Re: Costco vs Amazon?

I confess to not having been in one of these warehouse type stores in some time....do they still sell items only in large quantity packaging? just thinking about the perishability factor. BFG It depends on the item. Some items are sold in large packages. Some items are sold in multiple small packag...
by jsl11
Sat Sep 13, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4612

Re: Refrigerator problem

Have you cleaned the dust off the coils recently? Cleaning coils of the refrigerator is a myth. Do a google search. It does nothing to save energy or to make the refrigerator run more efficiently. This may depend on the model. We had a refrigerator in our previous house where it was necessary. When...
by jsl11
Fri Sep 12, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1673

Re: Home purchase negotiation: credit or reduced price?

I'm in the process if buying a home and am asking the seller for some fairly major repairs. Is there a rule of thumb for whether it is better for me financially to ask for a price reduction, credit, or have the sellers make the repairs? I would be concerned that if the seller made the repairs, they...
by jsl11
Wed Sep 10, 2014 2:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Home purchase negotiation: credit or reduced price?
Replies: 17
Views: 1308

Re: RMD Process

I have both stocks and bonds in my IRA. I withdraw from the category which is over my target allocation.
Jeff
by jsl11
Fri Sep 05, 2014 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD Process
Replies: 13
Views: 773

Re: Lawnmower/gas issues

I don't know what part of the country you are in. However, in my area, we cut grass only part of the year, and the mower sits in the garage or shed all winter without being used. If this is your situation, here is a regimen I followed that was successful for many years: 1. Before putting the mower a...
by jsl11
Fri Sep 05, 2014 1:46 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2069

Re: POLL: What was the first stock you ever bought?

Intention was for a "buy and hold" stock. (30+ years?) I would suggest that no individual stock should be bought as a "buy and hold" investment. Even the seemingly best companies can fall on hard times over a period that long. Strange unpredictable things can happen, such as the...
by jsl11
Thu Sep 04, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2860

Re: Going to be need to purchase a new car soon, need help

Late model Toyotas and Hondas are good choices. However, you will find that they are more expensive than other makes. You may do better with makes that are reliable, yet somewhat less desirable, such as Hyundai, Kea, or Mazda. The April issue of Consumer Reports has good information on the best used...
by jsl11
Thu Sep 04, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Going to be need to purchase a new car soon, need help
Replies: 33
Views: 2466

Re: How do you keep your electricity bill low?

Install and use ceiling fans. For moderately hot weather, you can get by with just the fans. For hotter weather, using the fans will allow you to set the thermostat to a higher temperature and still maintain comfort. Fans do not use very much electricity, and certainly a lot less than the AC.
Jeff
by jsl11
Wed Sep 03, 2014 11:24 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9198

Re: Costco:is it worth it for just two people?

Costco pro tip: Avoid going during the weekends or right after work like 5-7 P.M. on weekdays to avoid the chaos. Another Costco pro tip: Look for prices ending in 97 cents. These are unadvertised specials scattered throughout the store. The savings can be significant, but you have to wander the st...
by jsl11
Wed Sep 03, 2014 11:01 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 11788

Re: Allcation when uncertain of when the money is needed

Asset allocation is a personal thing. In your situation, some people would be very comfortable at 60/40. However that allocation would make others very uneasy. You have the ability to take significant risk, but little need to do so. Keep in mind that a bear market may reduce your portfolio by 50% of...
by jsl11
Wed Sep 03, 2014 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allcation when uncertain of when the money is needed
Replies: 8
Views: 632

Re: how to withdraw from the IRA during retirement

Wait, you have to file quarterlies when you're getting tIRA withdrawals? Even if Vanguard is withholding tax and (I assume) sending it in to the IRS itself? I hadn't thought about this part and am about to start withdrawals and conversions next year. Withdrawals of pre-tax money from a traditional ...
by jsl11
Tue Sep 02, 2014 2:14 am
 
Forum: Personal Finance (Not Investing)
Topic: how to withdraw from the IRA during retirement
Replies: 13
Views: 1403

Re: Age in Stocks: Should you have a Reverse Glidepath?

These conclusions are based on historical data. We don't know that future markets will give the same result. In addition, many retirees (perhaps most), feel that when they have achieved sufficient resources to fund a comfortable retirement, their primary objective is capital preservation, aka, don't...
by jsl11
Mon Sep 01, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Stocks: Should you have a Reverse Glidepath?
Replies: 21
Views: 1365

Bogleheads in Consumer Reports Magazine

The October 2014 issue of Consumer Reports mentions the Bogleheads. In an article on retirement planning, there is a feature box titled "Why women should think differently about retirement planning". One of the suggestions is "Educate yourself about planning" Under that heading i...
by jsl11
Sat Aug 30, 2014 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads in Consumer Reports Magazine
Replies: 6
Views: 945

Re: Costco:is it worth it for just two people?

Costco used to be a haven of quality at excellent prices. sadly, though we joined for these high quality items, now costco seems focused increasingly on the 'value/private label trend' which means high quality brands are being replaced with uncertain quality rebranded stuff. If you haven' tried the...
by jsl11
Sat Aug 30, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 11788

Re: Costco:is it worth it for just two people?

We are a retired couple and our executive membership pays for itself. It is true that some items come in such large quantities that we cannot use them. However, we just skip those items and there are plenty of others that work out just fine. Keep in mind that most non-food items do not require bulk ...
by jsl11
Sat Aug 30, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 11788

Re: Excess RMD

Reinvest it in a taxable account.
by jsl11
Sat Aug 30, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess RMD
Replies: 19
Views: 973

Re: Induction Range Worth the Price?

You may not be familiar with induction cooking. I'm not. That is why I said nothing about it. I just wrote about the alternative OP was considering. lot of people expect gas and have the same misunderstands about induction that jsl11 had. I understand induction perfectly well. However, I wrote abou...
by jsl11
Fri Aug 29, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: Induction Range Worth the Price?
Replies: 14
Views: 1126

Re: Induction Range Worth the Price?

Smooth top ranges look nice if they are well maintained and not abused. There are some cautions you need to follow with them. 1. Any spills should be cleaned up ASAP so things don't cook onto the surface. There are special polishes available for this purpose. Be extra careful not to get plastic wrap...
by jsl11
Fri Aug 29, 2014 1:38 am
 
Forum: Personal Consumer Issues
Topic: Induction Range Worth the Price?
Replies: 14
Views: 1126

Re: Savers vs. Spenders: Default Mode

I would suggest that some people, strive to achieve a balance between spending and saving. These people would be
neither "spenders" nor "savers".
Jeff
by jsl11
Wed Aug 27, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2244

Re: Backdoor Roth IRA Timing Question

Why not tell Schwab that if they want to keep you as a happy client, they should give you the bonus for adding to the 401k?
Jeff
by jsl11
Mon Aug 25, 2014 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA Timing Question
Replies: 10
Views: 878

Re: Zegna Suits

For a big occasion, you can rent a tuxedo for much less and you will look really sharp.
Jeff
by jsl11
Sun Aug 24, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 9528

Re: Should I fix a "totaled" car

I had a car repaired that was seriously damaged. Since it was a Toyota, the value was high enough that the insurance company did not declare it "totaled". The car was never the same after it was repaired. Although I really liked the car before the accident, I traded it in less than a year ...
by jsl11
Sun Aug 24, 2014 1:18 am
 
Forum: Personal Consumer Issues
Topic: Should I fix a "totaled" car
Replies: 38
Views: 2838

Re: Saving for a car

Keep in mind that you may need to buy a car much sooner than planned. Things, such as theft and crashes, can occur at any time. If such an event should happen, you may get an insurance payment, but you may wish to spend more than that on the new car. If that money is tied up in a bond fund, you may ...
by jsl11
Sat Aug 23, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a car
Replies: 20
Views: 1658

Re: Help - my IRA got distributed without my instructions

Thanks for the replies, all. This is truly a great community. I have the savings to make up the 4k, so here is my understanding of next steps: 1. deposit the 36k check from the old ira into my account; will they send me some tax document for the withholding? 2. send a 40k check to the new IRA accou...
by jsl11
Sat Aug 23, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help - my IRA got distributed without my instructions
Replies: 9
Views: 1092

Re: Help - my IRA got distributed without my instructions

You can, and should do a rollover within 60 days to a new IRA account. However, the old account was 40K, so the new account must also be 40k to avoid taxes and penalties. Accordingly, you need to use the 36K distribution and an additional 4K in other money when you open your new IRA. You can get the...
by jsl11
Sat Aug 23, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Help - my IRA got distributed without my instructions
Replies: 9
Views: 1092

Re: Good place to buy eyeglasses without insurance?

Costco is an excellent place to get good glasses inexpensively. My glasses are bifocals with UV and scratch coatings in titanium frames. The total cost was about $190. My family has bought several pairs over the years and we have always been happy with them.
Jeff
by jsl11
Thu Aug 21, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2550

Re: Lipitor at Costco with Membership

Wow I had no idea some meds are free! Why would any co give an Rx for free? It gets you into their store. They will also make you wait for the prescription on the hope that you will do some shopping while you are there waiting. They figure to make more profit on your other purchases than the medici...
by jsl11
Thu Aug 14, 2014 1:25 am
 
Forum: Personal Consumer Issues
Topic: [Low cost] Lipitor
Replies: 13
Views: 1581

Re: 3.3% Vanguard 10 year CD

When comparing a 10-year CD with a 5-year CD, the only question to consider is what would the rate be 5 years from now on a second 5-year CD. If the rate 5 years from now is higher by an amount such that the two 5-year CDs in series is higher than the 10-year CD you can buy now, then the 5-year is b...
by jsl11
Sat Aug 09, 2014 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 99
Views: 10031

Re: Question re- EE Bonds

Some banks (most?) will redeem them if you have an account. If you do not have an account, the limit is $1000 IIRC. If you cannot find a bank to redeem them, they can be redeemed by mail to the Treasury Dept. The forms and instructions are on http://www.savingsbonds.gov. However, if they are earning...
by jsl11
Fri Aug 08, 2014 2:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Question re- EE Bonds
Replies: 18
Views: 1657

Re: What Used Car Should I Get for <10K

The current new Camry is a 14.5 model. It is the same as the 14, except they made the backup camera standard. For 20K, you should be able to find a new 14 if they are still around. Also, if you can wait a few months, the 15's will be out, and you should be able to get a good price on a 14.5.
Jeff
by jsl11
Thu Aug 07, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: What Used Car Should I Get for <10K
Replies: 30
Views: 2500
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