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Re: Expense Ratios Comparison Total Stock 2008 vs. 2013

Amazing job! I highly appreciate it. I wonder why Management and admin fees have scaled up a bit for investor class shares. 2008: $59 MM/ $74.5 MM = 79.2% 2013: $135.5 MM/ $154 MM = 88% It is opposite for admiral class shares Anyways these are insanely low costs when compared to AUM so not bothered ...
by kd2008
Wed Jan 14, 2015 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expense Ratios Comparison Total Stock 2008 vs. 2013
Replies: 9
Views: 805

Re: Increased travel for work - how would you approach this?

As for taking your issue several levels higher, be very careful. If it looks like you are complaining and it gets back to your immediate supervisor it could be viewed as "having gone over their head". No manager is ever happy with that and many have long memories when it comes to those so...
by kd2008
Wed Jan 14, 2015 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Increased travel for work - how would you approach this?
Replies: 13
Views: 829

Re: Increased travel for work - how would you approach this?

I appreciate the quick feedback. Does the new, travel-intensive, gig carry with it better positioning for future advancement? How much impact on personal life is 25% travel for you? the ratio of those two factors (among others) would determine how much I pursued the pay issue In my opinion it does n...
by kd2008
Wed Jan 14, 2015 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Increased travel for work - how would you approach this?
Replies: 13
Views: 829

Re: Increased travel for work - how would you approach this?

I was asked about this gig last year and I said yes. Then the news of raises came and it was disappointing and no consideration for increased travel was included. This surprised me. When you agreed to the increased travel, was there any mention of a raise? No. There was no discussion on this topic.
by kd2008
Wed Jan 14, 2015 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Increased travel for work - how would you approach this?
Replies: 13
Views: 829

Increased travel for work - how would you approach this?

So I used to have less than 2 weeks of travel per year. Starting this year it will go to 25%+. I was asked about this gig last year and I said yes. It is mostly to a sunny coastal destination. Then the news of raises came and it was disappointing and no consideration for increased travel was include...
by kd2008
Wed Jan 14, 2015 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Increased travel for work - how would you approach this?
Replies: 13
Views: 829

Re: What are your 2015 Financial Goals?

1. Max out 401k (automatic) 2. Max out Roth IRA(manual) 3. Taxable investing $30K (manual) 4. Control expenses to the overall budget - never been a problem, but individual categories never end up as planned - few overshoot and few come under budget 5. To accomplish #4, control food expenses by eatin...
by kd2008
Tue Dec 16, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 102
Views: 8243

Diminished value claim - supporting documents

My car was side swiped. The other party was found liable and paid for all the damages, about $4K on my car. Both parties have same insurance companies. I was also sent paper work to file a diminished value claim. It involves signing an affidavit saying I am satisfied with the repairs and sending any...
by kd2008
Sat Dec 06, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: Diminished value claim - supporting documents
Replies: 1
Views: 391

Re: How should wife counter salary offer within current co.?

Negotiating salary with HR is talking to a tree. I have never done that. I have negotiated my salary with my boss' boss. That's how far I am willing to push. Everybody is aware that I can raise my hand and will get hired somewhere else. OP may want to search my old posts about negotiating raise with...
by kd2008
Sun Nov 23, 2014 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 5814

Re: Apple Pay, Google Wallet, credit, and us

Be aware of spending limits. Google wallet has them. I do not know of Apple pay.
by kd2008
Fri Oct 24, 2014 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 9826

Re: Smartphone questions

The Samsung Galaxy S3 runs closer to $120 or so, and is pretty good. A tiny bit sluggish, but much faster than Nexus S. The Nexus 5 is fast and responsive, new at $350. I'd still recommend that as the #1 phone for the dollar (the Nexus 6 is too big in my opinion). In my opinion, I'd get anything 1....
by kd2008
Fri Oct 17, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 10378

Re: "Vanguard converting mutual fund accounts to brokerage?

Brokerage accounts receive their tax forms fairly late while Vanguard mutual fund accounts are usually in by end of Jan (as long as no REITs are involved). Would the account upgrade affect this and if so how? Would the upgraded "brokerage" account that only has mutual funds receive its tax...
by kd2008
Wed Oct 15, 2014 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 300
Views: 30318

Re: Index usage error in Mortgage Document.

I would post my complaint here: http://www.consumerfinance.gov/complaint/ I have had excellent experience with companies I had issues with once they were notified that I had complained to CFPB. Even if they did not end up resolving the issue to my satisfaction, they always admitted mistake or error ...
by kd2008
Wed Oct 15, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Index usage error in Mortgage Document.
Replies: 13
Views: 760

Re: Had a bad experience with Amica

there must be more to the story for the denial. i have galvanized plumbing/pipes (not all pipes, but the main outlet pipe is) in an early 1900's home and Amica insures me. granted, they have increased premiums ~4-5% 2 years running, but it started so low and at least they keep upping the dwelling/r...
by kd2008
Thu Oct 02, 2014 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Had a bad experience with Amica
Replies: 25
Views: 2162

Re: Supreme Court to hear fiduciary duty/high cost funds cas

This a brief description of the case: http://www.scotusblog.com/2014/09/u-s-urges-review-of-investment-cases/ The Tibble case involves a dispute over the choice of investments available to some 20,000 participants in a California defined-contribution plan created by Edison International, an electric...
by kd2008
Thu Oct 02, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 28
Views: 3654

Re: Had a bad experience with Amica

This discussion is reminding me of same exclusionary talk when folks on this board with admiral class funds were upset with Vanguard when it decided to lower the admission threshold for admiral class shares on funds. Insurance companies are regulated entities. While home insurance is not a guarantee...
by kd2008
Thu Oct 02, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Had a bad experience with Amica
Replies: 25
Views: 2162

Re: PrePaid Cell Phone Plan (2.5 weeks to determine and alig

Please see this recent thread: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=147467 http://tinyurl.com/ATTMVNOSLTE gives a comparison but it is tailored towards those looking for prepaid AT&T access with LTE data. Cricket Wireless was recently acquired by AT&T and now share exact ...
by kd2008
Wed Oct 01, 2014 10:05 pm
 
Forum: Personal Consumer Issues
Topic: PrePaid Cell Phone Plan (2.5 weeks to determine and align )
Replies: 8
Views: 942

Re: Fairholme Fund (FAIRX) down 9.6% today

Did it declare a dividend distribution? May be ST & LT cap gains too?
by kd2008
Wed Oct 01, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fairholme Fund (FAIRX) down 9.6% today
Replies: 5
Views: 866

Had a bad experience with Amica

After hearing wonderful things about Amica on this forum and in Consumer reports, I was helping a friend switch his home insurance to Amica. They quoted a policy that was $600 cheaper annually for the exact same coverage as the current one. It was then sent to the underwriters and two days later muc...
by kd2008
Wed Oct 01, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Had a bad experience with Amica
Replies: 25
Views: 2162

Re: Vanguard website almost nonresponsive?

I just placed an order. No issues.
by kd2008
Wed Oct 01, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard website almost nonresponsive?
Replies: 11
Views: 601

Re: Cricket wireless experience

This is great information. I'm very interested in Cricket. Does anyone know about using AT&T, particularly AT&T Go phones with Cricket -- Do they need to be unlocked, or can they be used as-is? [OT comment removed by admin LadyGeek.] Thanks ! They do not need to be unlocked. They can be use...
by kd2008
Mon Sep 29, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 2382

Re: Cricket wireless experience

Cricket's "5 for $100" plan looks very interesting. Does anyone know which GSM carrier they are aligned with? Is it T-mobile? If I look on their coverage map, it doesn't appear to be the T-mobile coverage. It looks much better than AT&T + T-mobile in our 58104 zip are tri-state region...
by kd2008
Mon Sep 29, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 2382

Re: Cricket wireless experience

Actually, Starbucks and Panera have been the best. Home WiFi not so much. I will be checking out Cricket this afternoon although I will not make the change for a few months. Thank you for those data points. I tried using the new Google hangouts with the hangouts dialer on my smartphone which makes ...
by kd2008
Mon Sep 29, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 2382

Re: Cricket wireless experience

I would like to apologize to the board and the moderators for not following the posting guidelines. Sorry about that!
by kd2008
Mon Sep 29, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 2382

Re: Cricket wireless experience

I recently switched my T-mobile line to Cricket (since Cricket is offering $100 for T-mobile customers to switch). It was a smooth easy transition. Cricket has LTE data but it is capped at 8 MB/s and its HSPA data is capped at 4 MB/s. I was a bit leery of the speed caps. But upon testing, I would s...
by kd2008
Wed Sep 24, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 2382

Re: Cricket wireless experience

Comparison of AT&T MVNOs: http://tinyurl.com/ATTMVNOSLTE Good spreadsheet, except it only includes MVNOs that offer LTE. There are several other AT&T MVNOs that are just as good or better but only offer HSPA+, which for most people is just as good as LTE. I'd include AirVoice Wireless and H...
by kd2008
Tue Sep 23, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 2382

Re: Cricket wireless experience

Comparison of AT&T MVNOs: http://tinyurl.com/ATTMVNOSLTE
by kd2008
Tue Sep 23, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 2382

Re: Cricket wireless experience

Net10 has 3 GB high speed data on their unlimited plan. The 5 lines on crickets $50 3 GB plan would cost $250 -$100 group discount = $150. Taxes and fees included in the price. Still Net10 is an excellent value for unhrottled data & voice &text roaming if you need it.
by kd2008
Tue Sep 23, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 2382

Re: Cricket wireless experience

Browser, you are correct about postpaid vs prepaid. Cricket gets no att roaming coverage. Thankfully, for me over the past 10 years it has been 3 times on roaming. So personally I am not concerned about it. But for some for sure that would be a constraint.
by kd2008
Tue Sep 23, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 2382

Re: Cricket wireless experience

I tried out Republic wireless and did not like their call quality. Also Sprint is not as good as others in my area. But for some it is an awesome option. I have been transitioning all my calls & text to Google hangouts. It has been somewhat of bumpy ride as the hangouts app is very clumsily desi...
by kd2008
Tue Sep 23, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 2382

Re: Cricket wireless experience

I used the same ebay seller. I am not him.
by kd2008
Tue Sep 23, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 2382

Cricket wireless experience

I have a AT&T postpaid line that will go off contract in October. I am happy with AT&T reception where I live but was looking for cheaper alternatives since I do not need a new smartphone every two years. I tried out T-mobile prepaid and came away impressed at their data speeds and ease of s...
by kd2008
Tue Sep 23, 2014 9:59 am
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 2382

Re: AliBaba

Already reached a high of 99.25 & heading down. Those who got in & out, got in pretty good. IPO strategy is not a good strategy for those who don't want to pay attention to the markets. Include me in that. But my good friend has a stomach for volatility and reads company filings and what not...
by kd2008
Fri Sep 19, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 151
Views: 12986

Historical DCA returns for mutual funds

There is a huge swath of folks who contribute every paycheck (aka DCA) to a 401k into various mutual funds. Never have I seen any of the "Morningstar" info sheets for mutual funds list DCA returns on it. Is there a website where I can get that? Why don't the mutual funds themselves publish...
by kd2008
Wed Sep 10, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Historical DCA returns for mutual funds
Replies: 1
Views: 210

Re: New 2% cash back Mastercard from Citi

Hi all,

I called Citi this morning and with a 2 min phone call, I converted my Dividend card to the new cash back card.

Just wanted to let you folks know.

Thanks!
by kd2008
Mon Sep 08, 2014 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 37663

Re: New 2% cash back Mastercard from Citi

So I called Citi to convert my Dividend Platinum card that I never use to the new Double Cash card. "Oh the product is too new,and our systems are not updated. Sorry, I cannot convert it now. Call us in a few months." Really?
by kd2008
Fri Aug 29, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 37663

Re: Help with Salary Negotiation (Bay Area)

Tread carefully. Here is real life example: I was asked the same question. I had my research done. I showed them a posting of similar job on internet in a different geographical area. I also showed the difference in average salaries for my profession (as given by dept of labor data) in my city and a...
by kd2008
Fri Aug 15, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Salary Negotiation (Bay Area)
Replies: 13
Views: 1391

Re: Very high interest rate in other countries? How come?

To OP, There is no free lunch here. The Indian rupee swung from about 60 to 67 against USD dollar last August. People of Indian origin in the US went crazy and converted their dollars into rupees and earned 9% interest rate. Now that rupee is back to 60, they made out like bandits. Indian government...
by kd2008
Thu Jul 17, 2014 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: Very high interest rate in other countries? How come?
Replies: 44
Views: 3458

Re: What after-tax income could you live on today?

Could the OP please clarify, is this per person or per household (which could include any number of people greater than or equal to one)? Thanks!
by kd2008
Fri Jul 11, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5526

Re: Two month car rental

I do not see any reason to rent car if you already own a recent model - I know this is not the question OP is asking.

2200 mile road trip to Colorado on a 2011 Camry the day after it was bought
4000 mile road trip to Yellowstone & Tetons last month in a 2012 Mazda 6

The cars did fine.
by kd2008
Wed Jul 02, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Two month car rental
Replies: 28
Views: 2112

Re: Int'l wire: Service providers? How fast?

Do you have a Vanguard account? For transfers over $5000, Vanguard offers international wire transfer for free. Only the transferring bank charges about 8 bucks. The initial setup is cumbersome. You need to get the right form - Vanguard reps are not knowledgeable about it at all - make sure it is no...
by kd2008
Tue May 13, 2014 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Int'l wire: Service providers? How fast?
Replies: 16
Views: 1036

Re: Ordering new blank checks

google checks unlimited coupons and figure out from there.
by kd2008
Mon May 05, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: Ordering new blank checks
Replies: 36
Views: 2136

Re: Net Worth Survey, 2014 Edition

I haven't taken the survey yet but looking at the results I'd really love to know how so many 28-30 yr olds have $300-700k portfolios. Excluding lottery, gameshow, etc. winners it doesn't seem reasonable to accumulate that much so soon out of college. Am I missing something? Is it more normal than ...
by kd2008
Wed Apr 16, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 24865

Re: Mr. Money Mustache: Hero or Foolish?

For me money is primarily a moral problem. Money is fungible. Choices to be made using money/human capital/bartering etc to obtain material well being may pose moral problem. Money does not care if you think money is not your master. This appropriation of subordinate/dominant dynamic to money bring...
by kd2008
Tue Apr 08, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 38804

Re: TMobile $30 plan...

That Tmobile $30 plan is for data users. It has 5GB data at 4G speeds and 100 min per month. You may want to check into H2O Wireless. https://www.h2owirelessnow.com/mainControl.php?page=planMon30 $30 per month gets you: Unlimited Talk Available nationwide, including U.S. Territories Unlimited Text A...
by kd2008
Fri Apr 04, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: TMobile $30 plan...
Replies: 52
Views: 12416

Re: is there a subsidy cliff for the ACA?

Best websites: http://graphics.wsj.com/health-care-explorer http://kff.org/interactive/subsidy-calculator/ How health subsidies are calculated? Best graphic http://graphics.wsj.com/health-care-explorer/assets/guide-a.jpg How the healthcare law further reduces costs? Best graphic http://graphics.wsj....
by kd2008
Thu Apr 03, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: is there a subsidy cliff for the ACA?
Replies: 13
Views: 917

Re: Blog: Vanguard Personal Advisor Services

Consider a 60/40 Portfolio like below: 40% Vanguard Total Stock Market Adm 0.05% ER 20% Vanguard Total International Stock Market Adm 0.14% ER 40% Vanguard Total Bond Market Adm 0.08% ER Would have a weighted ER of 0.08% Add 0.3% for Portfolio Management service - you get all this - a plan, plus &qu...
by kd2008
Tue Apr 01, 2014 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: Vanguard Personal Advisor Services
Replies: 35
Views: 9485

Re: Asset Allocation - near retirement

State of Oklahoma income tax rate is 5.25%, not 8%. Also Oklahoma exempts IRA & 401k withdrawals up to $10K per person per year from state income tax.
by kd2008
Fri Mar 28, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - near retirement
Replies: 40
Views: 4657

Re: Would you push for Total Bond market fund?

Thank you all for your perspective. I really helped me. Request put on hold for now.
by kd2008
Fri Mar 28, 2014 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you push for Total Bond market fund?
Replies: 13
Views: 1116

Re: Would you push for Total Bond market fund?

SAM, Currently there are 6 bond funds - covering short-term, intermediate govt, intermediate corporate, treasury, inflation-adjusted, and the one I mentioned - a total bond market type JP Morgan fund.
by kd2008
Thu Mar 27, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you push for Total Bond market fund?
Replies: 13
Views: 1116

Would you push for Total Bond market fund?

I have labored quite a bit on my company's 401k committee for past few years. Finally, there is plan to include the following Vanguard funds: Vanguard S&P 500 Index Fund Signal (0.05% ER) Vanguard Total Intl Stock Index Fund Signal (0.14% ER) Vanguard Small Cap Index Signal (0.10% ER) Vanguard M...
by kd2008
Thu Mar 27, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you push for Total Bond market fund?
Replies: 13
Views: 1116
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