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Re: Reverse engineering The Standard's fee structure

Welcome to the Standard, they are HORRIBLE. My wife has both her 403(b) and Profit Sharing accounts with them courtesy of her employer. I'd almost want her to quit her job for a day just for the chance to yank out all her money and roll them into Vanguard. Not only are they larded with fees, their ...
by leftcoaster
Sun Feb 22, 2015 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reverse engineering The Standard's fee structure
Replies: 8
Views: 524

Re: Reverse engineering The Standard's fee structure

In-service withdrawals look like a bad option: $50 fee per event! The document I found says that their 86 BP fee includes 25 BP for record keeping, with the balance going "for consulting." I have no idea what consulting could possibly mean here. In a separate section, they say Plan Adminis...
by leftcoaster
Sun Feb 22, 2015 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reverse engineering The Standard's fee structure
Replies: 8
Views: 524

Re: Reverse engineering The Standard's fee structure

@Ralph, the comparison is to the SAME fund held at Vanguard and held at The Standard, so any differences due to an index does not matter. Correct -- it's the exact same fund. They even publish the correct ER from vanguard (0.09) alongside their 0.86% markup. You know how some organizations will eng...
by leftcoaster
Sun Feb 22, 2015 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reverse engineering The Standard's fee structure
Replies: 8
Views: 524

Re: Reverse engineering The Standard's fee structure

Well, I found a fee sheet after all. For the Vanguard funds they add on 86 basis points across the board. Some of the non-Vanguard funds are a bit less, presumably because they get a management fee directly from the fund. Still doesn't explain the more than 86 BP 1-year performance difference in the...
by leftcoaster
Sun Feb 22, 2015 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reverse engineering The Standard's fee structure
Replies: 8
Views: 524

Reverse engineering The Standard's fee structure

My spouse's employer provides a benefit with employER contributions made to an account held at The Standard. The plan offers a few investment choices, including several Vanguard funds. Expense markup by The Standard is not disclosed anywhere that I can see, including the prospectus. There are some p...
by leftcoaster
Sun Feb 22, 2015 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reverse engineering The Standard's fee structure
Replies: 8
Views: 524

Re: Appreciated assets => UGMA => Private School Tuition

No problem with what you suggested. Once overall a small threshold, children pay the same taxes on investment income as parents, don't they? Ah, yes -- the Kiddie Tax prevents this except for $2k/year. After that they have to pay at the parents' top rate. It's not clear whether "top rate"...
by leftcoaster
Sun Feb 15, 2015 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Appreciated assets => UGMA => Private School Tuition
Replies: 5
Views: 163

Re: Appreciated assets => UGMA => Private School Tuition

PS There is no hope of financial aid eligibility for college, so I am not thinking of a FAFSA. In fact, I think her dependent deduction may be phased out at this point and so when the time comes, I may not declare her a dependent and let her take her own deduction on her return. With next to no inco...
by leftcoaster
Sun Feb 15, 2015 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Appreciated assets => UGMA => Private School Tuition
Replies: 5
Views: 163

Appreciated assets => UGMA => Private School Tuition

My child is 14 years old and thinking of attending a private high school. Ouch, but she's an excellent student and it is an excellent school, so I'm not really complaining. I've been funding her 529 for college since she was born and am in pretty good shape there. Now my question: I'm sitting on ass...
by leftcoaster
Sun Feb 15, 2015 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Appreciated assets => UGMA => Private School Tuition
Replies: 5
Views: 163

Re: Opening Solo 401K with ETrade

I think they now have ach but call and ask.
by leftcoaster
Sun Nov 24, 2013 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Opening Solo 401K with ETrade
Replies: 3
Views: 1696

Re: timing employer match

I've thought about this some more and think that there's no way to get an edge here. It's 6% of each check, up to the maximum eligible compensation for the year, which is $255K. Unless one were to earn enough that contributing at a 6% rate caused one to hit the $17,500 annual limit in under a year, ...
by leftcoaster
Sun Oct 27, 2013 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: timing employer match
Replies: 6
Views: 493

timing employer match

My employer match gets stepped up based on years of service and I am due for an increase toward the middle of next year (2014). At present I get 50% of contributions up to 6%. After mid-year, I will get 75%. My question: would it make sense to lower, or even eliminate contributions for the beginning...
by leftcoaster
Sun Oct 27, 2013 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: timing employer match
Replies: 6
Views: 493

Re: Options Level 1 & Level 2 - revoke?

Risk goes up with each level.
by leftcoaster
Thu Oct 17, 2013 5:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Options Level 1 & Level 2 - revoke?
Replies: 32
Views: 2697

Re: I bond composite rate for May, 1.18%

I already maxed both the I bond ($10K + $5K tax return) and the EE ($10k) in April. I think they are two of the "least worst" fixed income options now, as long as you have a 20 year time horizon. Even if inflation starts to pick up in a few years, it is surprising how much return spread y...
by leftcoaster
Wed May 01, 2013 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: I bond composite rate for May, 1.18%
Replies: 6
Views: 1370

Re: Downloading movies to Ipad and Ipad mini

Definitely use iTunes.
by leftcoaster
Wed Apr 17, 2013 10:10 am
 
Forum: Personal Consumer Issues
Topic: Downloading movies to Ipad and Ipad mini
Replies: 15
Views: 3219

Re: Treasury direct trust account

I see that treasury direct supports accounts for trusts. Is it possible to purchase 10k in an individual account plus 5k in IRS refund plus another 10k in a trust account? Or are the trust and individual accounts mutually exclusive if under the same SSN? The trust is a separate entitly so it's enti...
by leftcoaster
Sat Apr 13, 2013 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treasury direct trust account
Replies: 2
Views: 236

Treasury direct trust account

I see that treasury direct supports accounts for trusts.

Is it possible to purchase 10k in an individual account plus 5k in IRS refund plus another 10k in a trust account?

Or are the trust and individual accounts mutually exclusive if under the same SSN?
by leftcoaster
Sat Apr 13, 2013 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treasury direct trust account
Replies: 2
Views: 236

Re: thanks

Thanks for all of the help. I'll try these ideas. I just wanted to make sure I wasn't missing something. I was getting spoiled thinking a Mac can do everything. There's also the Spotted Snake savings bond software. I'm not sure it's being upgraded any more, and once when I tried it it was buggy. --...
by leftcoaster
Sat Feb 02, 2013 8:25 am
 
Forum: Personal Consumer Issues
Topic: Savings Bond Wizard and Mac
Replies: 11
Views: 3385

Re: Cleveland Clinic

This is my hometown, though I haven't lived there for many years. Dad was a physician at UH and, as a college student (Case), I worked in the predecessor to the Intercontinental. You should stay there, without a doubt. The hotel restaurant is probably very good -- it was a destination when I worked ...
by leftcoaster
Mon Jan 14, 2013 12:04 am
 
Forum: Personal Consumer Issues
Topic: Cleveland Clinic
Replies: 31
Views: 3099

Re: Ibond calculator

For the mac, there is Savings Bond Tracker, of which I am the author.

Trial version available here:
http://spottedsnake.net/
by leftcoaster
Sun Aug 05, 2012 1:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Ibond calculator
Replies: 26
Views: 2954

Re: Back door Coverdell ESA?

I know I am not answering you question, but ... Once I could not directly contribute to my children's Coverdell accounts, I opened 529's. A lot of the reasons why I initially opened Coverdells are no longer in effect. The 529's seem just as good and serving my purposes just fine. 529s are not usabl...
by leftcoaster
Tue Jul 31, 2012 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Back door Coverdell ESA?
Replies: 4
Views: 391

Back door Coverdell ESA?

ESA contributions are subject to an income phase out. However, I recently read of a workaround and am curious if anyone here has implemented it. You gift the 2k to the child, subject to annual maximums before gift tax. The child opens the ESA for herself and funds it with your gift. I know that ESA ...
by leftcoaster
Tue Jul 31, 2012 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Back door Coverdell ESA?
Replies: 4
Views: 391

Job Change - what to do with cash balance plan

I'm changing jobs (a good thing) and am trying to decide what to do about the money I've accumulated in a Cash Balance Plan at my old employer. It's about 7% of my retirement portfolio. If I leave the money in place, I'll continue to earn interest based on the 30-Year Treasury Constant Maturity Rate...
by leftcoaster
Tue Jun 26, 2012 7:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Job Change - what to do with cash balance plan
Replies: 3
Views: 304

Re: views on Loyal3?

I don't understand. This is just buying an individual stock at a discount? How much of a discount are we talking about? Like the 15% off employees typically get in ESOPs? How fast can you resell the stock you bought at a discount? Not all ESOPs sell at a discount (my company's does not). I don't th...
by leftcoaster
Wed Apr 04, 2012 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: views on Loyal3?
Replies: 4
Views: 688

views on Loyal3?

I'm curious what bogleheads-who-own-individual-stocks (they do exist) think of http://www.loyal3.com/ . Their idea is called a CSOP -- customer stock ownership program. Similar to an employee stock ownership program, but for end consumers. The idea is that individuals who like a company and its prod...
by leftcoaster
Wed Apr 04, 2012 10:21 am
 
Forum: Investing - Theory, News & General
Topic: views on Loyal3?
Replies: 4
Views: 688

Re: San Francisco (Bay Area) for Work/Living? Help Needed.

Many people in the East Bay who work in the City or Oakland take BART to work. They pass by the cars on the freeway as they sit on the train reading the paper. Houses are expensive relative to the rest of the U.S., but long time residents have low property taxes and for most years, have benefited f...
by leftcoaster
Sat Mar 17, 2012 7:39 am
 
Forum: Personal Finance (Not Investing)
Topic: San Francisco (Bay Area) for Work/Living? Help Needed.
Replies: 51
Views: 3946

Re: Emergency Fund - Best Place to Hold

This can work! http://www.bogleheads.org/wiki/Placing_Cash_Needs_in_a_Tax-Advantaged_Account I had not seen this approach previously. Are very many people doing this one? I have a Stable Value fund in my 401(k) that has a yield of about 2.2%. That's an appealing prospect compared to paying my top t...
by leftcoaster
Sat Mar 17, 2012 7:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund - Best Place to Hold
Replies: 30
Views: 2876

Re: Turbo Tax: Online or Disc?

I used the web-based version for a long time. Then, last year, I encountered a bug for which the only fix was to use the downloadable software version. Can't recall what it was, but that was the answer I got from intuit support and it did work.
by leftcoaster
Fri Jan 27, 2012 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax: Online or Disc?
Replies: 36
Views: 5383

SPY goes to $130 per share? It doesn't matter what the share price is if the math is the same. I'll gladly put up $13,000 for another 100 shares if I can sell a deep ITM call and have the same math. A percentage return on a trade will always return the same percentage, regardless of how much money ...
by leftcoaster
Tue Oct 04, 2011 8:46 am
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads find using covered calls useful for their IRA?
Replies: 18
Views: 2470

The problem is that in practice it's quite hard to reproduce that result with any regularity. So you made 12% annualized for 18 days -- getting that in the rest of the year may not be so easy. One scenario is that the underlying shoots up and your shares get called away. You've missed out on the &qu...
by leftcoaster
Tue Oct 04, 2011 8:26 am
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads find using covered calls useful for their IRA?
Replies: 18
Views: 2470

Trader Joe's has a nice selection and I enjoy shopping there. However, there are a couple of things they could change that would make it better: * less plastic packaging -- those clamshells can't be recycled efficiently * incent (or disincent) use of own bags. Either offer a credit for shoppers who ...
by leftcoaster
Wed Jul 20, 2011 9:41 am
 
Forum: Personal Consumer Issues
Topic: Trader Joe's
Replies: 123
Views: 14056

GRT2BOUTDOORS wrote:How much electricity does these food dehydrators consume? I'm wondering if it's worth it if it uses alot of electricity.


You have to run it for many hours -- as much as 12 in some cases. And you have to clean the equipment, which is a dishwasher cycle. Definitely a consideration.
by leftcoaster
Wed Jul 20, 2011 9:26 am
 
Forum: Personal Consumer Issues
Topic: Food Dehydrators
Replies: 15
Views: 1351

A friend sent me a gift subscription to Family Handyman, also available at my public library. It usually has one or two insights in each issue, though I"m sure they loop over the same topics after a while.
by leftcoaster
Mon Mar 21, 2011 9:07 am
 
Forum: Personal Consumer Issues
Topic: Help me to try to become more handy...
Replies: 20
Views: 3404

IRA commingling question

I have a rollover IRA funded by 401(k) monies from a previous employer. That IRA has also received SEP employer contributions. I would like to transfer the account into my current employer's 401(k) so that it is not a factor in my Roth conversion -- I converted a non-deductible traditional IRA accou...
by leftcoaster
Sun Nov 28, 2010 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: IRA commingling question
Replies: 1
Views: 920

I agree that you might not profit immediately from your skill but you can still buy-and-hold this gem for a couple of years until the market becomes rational. What do you see changing in a couple of years that would cause the market to "become rational" ? I understand that you aren't givi...
by leftcoaster
Mon Jul 12, 2010 10:19 am
 
Forum: Investing - Theory, News & General
Topic: WSJ: Stock Pickers Overwhelmed by Indexers, ETFers
Replies: 12
Views: 1388

WSJ: Stock Pickers Overwhelmed by Indexers, ETFers

Wall Street Journal reporting that equity correlation is on the rise and that fundamental analysis and valuation can't achieve alpha because index/ETF volume is driving the stocks that make up indexes in lock step. What's the end game here? http://blogs.wsj.com/marketbeat/2010/07/12/stock-pickers-ov...
by leftcoaster
Mon Jul 12, 2010 9:25 am
 
Forum: Investing - Theory, News & General
Topic: WSJ: Stock Pickers Overwhelmed by Indexers, ETFers
Replies: 12
Views: 1388

2010 Roth IRA conversion question

Would appreciate insights from the tax mavens out there. I have a traditional IRA with after-tax contributions that I'd like to convert to a Roth IRA, given the new (lack of) income limits. I understand that I'll have to pay tax on the gains over my basis. From what I can tell, the formula for how m...
by leftcoaster
Thu Jan 21, 2010 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: 2010 Roth IRA conversion question
Replies: 5
Views: 1147

Re: making sense of TIPS yields

So a 10 year TIPS auction is coming up. Looking at Bloomberg, I see that 10 year TIPS have a real yield of 1.37%. That's below the 1.50% threshold in Larry's shifting allocation/maturity table. Am I correct in understanding that those who follow Larry's guidance would: 1. not buy bonds in the aucti...
by leftcoaster
Thu Jan 07, 2010 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: making sense of TIPS yields
Replies: 3
Views: 906

making sense of TIPS yields

So a 10 year TIPS auction is coming up. Looking at Bloomberg, I see that 10 year TIPS have a real yield of 1.37%. That's below the 1.50% threshold in Larry's shifting allocation/maturity table. Am I correct in understanding that those who follow Larry's guidance would: 1. not buy bonds in the auctio...
by leftcoaster
Thu Jan 07, 2010 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: making sense of TIPS yields
Replies: 3
Views: 906

Vanguard, please fix bond position reporting on the web site

Vanguard brokerage accounts do what is at best a confusing job of reporting bond positions. Every other position type -- stock, option, etf, fund -- uses the quantity column to report the number of shares or contracts and the price column to report the price. Prices are prefixed with a $ sign. If yo...
by leftcoaster
Mon Dec 21, 2009 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard, please fix bond position reporting on the web site
Replies: 0
Views: 567

For those interested in implementing Bodie's synthetic EPNs, here is an online tool he provides: http://www.wealth2k.com/downloads/zb/epn.html Anybody able to help me understand the output of this tool a bit better? I input 21% volatility, 1% risk-free rate, 2.1% dividend rate, 108 index, 100 strik...
by leftcoaster
Mon Nov 09, 2009 10:08 am
 
Forum: Investing - Theory, News & General
Topic: 90% TIPS/10% LEAP Call Option Portfolio
Replies: 25
Views: 5284

Re: Practical Issues with Options for Equity Exposure

Despite having learned so much from this forum, I admit I used options twice: each time when I had a largish lump sum to invest, but the market seemed unusually uncertain to me. Rather than sit by & do nothing (which is usually the worst kind of market timing), I used options. I was pleased wit...
by leftcoaster
Wed Nov 04, 2009 8:31 am
 
Forum: Investing - Theory, News & General
Topic: Siegel vs. Bodie Showdown paper
Replies: 52
Views: 7741

It seems to me that position management for the 90/10 portfolio would be a tremendous headache -- not at all the 'worry-free' experience Bodie touts. Say you buy the LEAP option. When do you sell? Do you just hang on until expiration day and sell it then, hoping that's a magic date? Or do you start ...
by leftcoaster
Tue Nov 03, 2009 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Siegel vs. Bodie Showdown paper
Replies: 52
Views: 7741

Paladin wrote:
Dale_G wrote:The 10 character password limitation is definitely not something that I fret over.

Dale


Perhaps so but there is also no reason to limit it to 10 characters and to disallow special characters.


I agree -- it's a silly limitation and makes the site less secure.
by leftcoaster
Tue Oct 20, 2009 7:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard password limitations
Replies: 49
Views: 6120

Re: Contractor bids

Part of the problem is in the approaches they each took. A presented allowances for windows, doors, and bathroom and kitchen fixtures. B decided (for reasons not clear to me) to exclude those from scope, though his bid does include installation. I think (but am not sure) that this would mean that i...
by leftcoaster
Mon Oct 05, 2009 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Contractor bids
Replies: 12
Views: 1299

Re: Contractor bids

Had a friend with a similar situation just last week. Major home improvement project, thousands separating 2 contenders. Of course, the one his wife wanted was higher. He called up A and told him what B's quote was and asked him if he wanted to play ball. A did play ball and he got the job. A is st...
by leftcoaster
Sun Oct 04, 2009 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contractor bids
Replies: 12
Views: 1299

Re: Contractor bids

Had a friend with a similar situation just last week. Major home improvement project, thousands separating 2 contenders. Of course, the one his wife wanted was higher. He called up A and told him what B's quote was and asked him if he wanted to play ball. A did play ball and he got the job. A is st...
by leftcoaster
Sun Oct 04, 2009 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contractor bids
Replies: 12
Views: 1299

Contractor bids

Been planning a large remodeling project for almost a year and contractor bids are now in. There is a sizeable gap between the two contractors I would consider using. One is a guy I have used before and who is reliable and does good work. The other has an equally good reputation and has worked with ...
by leftcoaster
Sun Oct 04, 2009 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contractor bids
Replies: 12
Views: 1299

Unfortunately I was traveling and my assistant who edits all my work and prepares it for the blog wrote up that piece at my suggestion --I provided the the article and he just took that information re the Dodge and Cox fund right from the piece. Obviously that is a bad analogy. Thanks for pointing ...
by leftcoaster
Sun Oct 04, 2009 8:17 am
 
Forum: Investing - Theory, News & General
Topic: Investors Are Shunning the Pros by Larry Swedroe
Replies: 34
Views: 9624


"You just shot an unarmed man!"

"He shoulda armed himself."


-- Unforgiven
by leftcoaster
Tue Aug 25, 2009 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Movie Quote You Use
Replies: 157
Views: 22410

alvinsch wrote:I go for max diversification by trying to include both muni's and corps along with short and intermediate term in our portfolio but muni's usually have a steeper yield curve so I use muni's for intermediate (VWIUX/VMLUX) and corps for short (VFSUX) in taxable.

- Al


This sounds quite sensible.
by leftcoaster
Mon Aug 24, 2009 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: taxable account options
Replies: 12
Views: 2125
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