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Re: Vanguard Agent Authorization

Agent authorization isn't complete or adequate. I cannot view my wife's retirement accounts when I log into my Vanguard account. Not completely true at least in my case. I have requested a "family view" so when I log on I can see my IRA, wife's IRA, and joint taxable account. I can't make...
by letsgobobby
Thu Aug 21, 2014 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 36
Views: 2101

Re: How to weather market downturn with a high chance of lay

...given the fact that during boom years we tend to have more money to invest, whereas in downturns we tend to have less (due to layoffs, less work for freelancer, etc.) In other words, in theory all the highs and lows will balance out. But in practice, we tend to invest more during highs and less ...
by letsgobobby
Thu Aug 21, 2014 9:55 am
 
Forum: Investing - Theory, News & General
Topic: How to weather market downturn with a high chance of layoff
Replies: 34
Views: 1940

Re: Vanguard Agent Authorization

Agent authorization isn't complete or adequate. I cannot view my wife's retirement accounts when I log into my Vanguard account. Similarly 529s can only have a single owner so not viewable from both accounts. Furthermore as others have written my wife has zero interest in managing her own investment...
by letsgobobby
Thu Aug 21, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 36
Views: 2101

Re: Implementing Two-Factor Authentication for Fidelity Acco

The rep didn't say yes or no, he just sounded completely clueless. "Two what...?" Is there a department I should be talking to? Call Fidelity at: (800) 673-2938. This will take you directly to the right group. If you want to talk to your regular account executive use this phrase: "Sy...
by letsgobobby
Thu Aug 21, 2014 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 43
Views: 10412

Re: How much do you plan to save in your 529 plan?

We are fortunate to be able to fill up all our tax advantaged retirement space. As others have said I'd recommend filling that first in most cases. We view all our portfolios as one and so with a daughter who will very likely go to college the 529 is a way to expand our tax sheltered space. We can ...
by letsgobobby
Wed Aug 20, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you plan to save in your 529 plan?
Replies: 44
Views: 4015

Re: Roth questions from an MD

I had a chance this morning to read EmergDoc's link regarding very high income earners. His point, as I understand it, is that someone earning close to $1 million a year (give or take) for a lot of years is probably going to be in the 39.6% tax bracket in retirement anyway. If that is the case, he ...
by letsgobobby
Fri Aug 15, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth questions from an MD
Replies: 28
Views: 2140

Re: Is the goal in sight? Should I relax?

How much do you spend each year?
by letsgobobby
Thu Aug 14, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the goal in sight? Should I relax?
Replies: 19
Views: 2301

Re: Need advice on 529s and Texas guaranteed tuition plan

why do you want to do what you propose?

In my mind Texas prepaid tuition plans are not trustworthy. I wouldn't keep longer than required.
by letsgobobby
Thu Aug 14, 2014 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice on 529s and Texas guaranteed tuition plan
Replies: 6
Views: 433

Re: A new stock index: companies with happy employees

controlled for size, profitability, and momentum factors?
by letsgobobby
Thu Aug 14, 2014 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: A new stock index: companies with happy employees
Replies: 23
Views: 2076

Re: Help with investing for children

great idea, except she already wrote she is maxing out all retirement accounts. Given the stipulations, your options are a UTMA/UGMA, or a trust if you want control after age of majority. You could also just leave the money in your own accounts and keep a separate ledger, but it sounds like you want...
by letsgobobby
Wed Aug 13, 2014 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investing for children
Replies: 25
Views: 1689

Re: Are hospitals allowed to do this?

Who provided you the original quote? The doctor, the hospital, or the lab? Each entity is likely its own business, and bills and collects separately for its portion of service provided.
by letsgobobby
Tue Aug 12, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 85
Views: 5713

Re: Should I "super-fund" my 529 for my kids?

You have $165k today. If you don't 'superfund' your 529, what will you do with the money? Always ask what the alternative is. Thanks for the advice all, very helpful. I have the ~$165K today so the alternate plan would be to put it into a taxable account. In that case, if you are not concerned abou...
by letsgobobby
Tue Aug 12, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I "super-fund" my 529 for my kids?
Replies: 13
Views: 1318

Re: Should I "super-fund" my 529 for my kids?

You have $165k today. If you don't 'superfund' your 529, what will you do with the money?

Always ask what the alternative is.
by letsgobobby
Tue Aug 12, 2014 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I "super-fund" my 529 for my kids?
Replies: 13
Views: 1318

Re: Moving Accounts to Vanguard

If you have a lot of gains in your taxable accounts, you may not want to sell, which would trigger taxes. It might be worth just investing new money passively. You can crunch the numbers on this - on the one hand, X higher fees over Y number of years on Z number of dollars vs the A capital gains rea...
by letsgobobby
Mon Aug 11, 2014 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving Accounts to Vanguard
Replies: 9
Views: 1137

Re: Going 60+% international? (US resident)

Nathan I am right there with you. I have been 60% international since November 2013. Well, you can see how well that has worked. Nevertheless I believe at least 50% is right for a youngish accumulator so I'll be sticking with this for many years barring a radical reset in valuations.
by letsgobobby
Sat Aug 09, 2014 12:56 am
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 5883

Ron Lieber NY Times article online security

http://www.nytimes.com/2014/08/09/your-money/how-to-thwart-hackers-from-financial-accounts.html?hp&action=click&pgtype=Homepage&version=HpSum&module=second-column-region&region=top-news&WT.nav=top-news&_r=0# Ron LIeber (one of the 'good guys' in my opinion) wrote an artic...
by letsgobobby
Fri Aug 08, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Ron Lieber NY Times article online security
Replies: 2
Views: 601

Re: Vanguard computer security

I just went through this because our house was broken into and my social security card and computing device previously used to access accounts was stolen. Vanguard offers - - a secret password on account without which even with SSN, address, and answer to security questions you cannot access account...
by letsgobobby
Fri Aug 08, 2014 10:03 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 3596

Re: HSA Strategy for high income earners

Even then, it's better to use it for health-related expenses, to get the tax benefit. Most of us have plenty enough of those after 65... Agreed. The point I was trying to make is that I don't understand all the angst relating to saving the current receipts, recordkeeping, what not... You'll either ...
by letsgobobby
Thu Aug 07, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Strategy for high income earners
Replies: 79
Views: 5520

Re: How many Accounts do you log into and how do you manage?

I've been using Dashlane. Pretty happy with it - occasionally gimmicky but when it works most of the time it's a thing of beauty.
by letsgobobby
Thu Aug 07, 2014 1:37 am
 
Forum: Personal Consumer Issues
Topic: How many Accounts do you log into and how do you manage?
Replies: 52
Views: 2502

Re: Should i Buy a new car

I tihnk you have it backwards. Save 40% of your gross this year. *after* that, buy a new car. Don't buy a new car, then *plan* to save 40% of your gross. Do you also have any student loan debt? I fear you've gotten on the spending treadmill before you've even really got going. With your income you c...
by letsgobobby
Tue Aug 05, 2014 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 3933

Re: How do you document your HSA "stuff?"

I'm not going to worry too much about the documentation. We keep scanned copies of all bills and the receipts showing they were paid; and the EOBs. Will keep our tax returns including all the schedules indefinitely but don't plan to keep any other documentation.
by letsgobobby
Tue Aug 05, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2130

Re: average American eats out 203 times per year

I'm not pointing out anyone in particular here, but it is funny how certain people will defend to their death how important a difference in a .03 an ER is and yet plink down anyware from $6 to $12 a day every work day for lunch. No relationship at all. Paying more for a mutual fund doesn't buy bett...
by letsgobobby
Tue Aug 05, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6370

Re: Front load 529 or pace over time ?

What do you plan to do with the second $7000 if you don't invest it in the 529?
by letsgobobby
Tue Aug 05, 2014 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Front load 529 or pace over time ?
Replies: 6
Views: 585

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Many sources including Consumer Reports have spoken admirably of the improvements in American cars over the last few years. That said market perceptions evolve slowly, and it's common for those who don't keep up with the industry to continue to lump all "Japanese" manufacturers or "Am...
by letsgobobby
Tue Aug 05, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 103
Views: 8497

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

The 2014 is a substantially different vehicle. I think you may be confused on this point. 2014 was not a complete remodel year for the Durango. It has the same engine and drivetrain as the 2012. The 2014 has simply added a few more gadgets. This is the same vehicle that consumer reports is referrin...
by letsgobobby
Tue Aug 05, 2014 12:53 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 103
Views: 8497

Re: HSA Strategy for high income earners

Keep in mind an additional HSA benefit is that you pay no payroll taxes on it. This is just a marginal benefit (1.45 % medicare tax) for those above the social security tax limit. But that makes it better than any ira or 401k on which payroll taxes must be paid. You aren't tied to your employer's H...
by letsgobobby
Mon Aug 04, 2014 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA Strategy for high income earners
Replies: 79
Views: 5520

Re: How many families use 529 plans?

I was feeling hopeful. We were on to the second page before the dreaded, Is it the parents' responsibility to pay for college or not argument reared it's ugly head.
by letsgobobby
Mon Aug 04, 2014 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6460

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

The 2014 is a substantially different vehicle. I think you may be confused on this point. 2014 was not a complete remodel year for the Durango. It has the same engine and drivetrain as the 2012. The 2014 has simply added a few more gadgets. This is the same vehicle that consumer reports is referrin...
by letsgobobby
Mon Aug 04, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 103
Views: 8497

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

The 2014 is a substantially different vehicle.
by letsgobobby
Mon Aug 04, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 103
Views: 8497

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Single data point, but Car and Driver completed its 40,000 mile road test of the Ram 1500 and only item to repair was a $3 fuse. Drivers remain very impressed with comfort, performance, and reliability. Can't rule out an American car, just because it's American. I still want to see 1st year reliabil...
by letsgobobby
Mon Aug 04, 2014 1:00 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 103
Views: 8497

Re: Career advice for retiring doc

Clinical instructor at any of the nearby medical schools, and quickly getting involved in health care delivery research/policy? Boston also has RAND, which does health policy research, as I'm sure all the big NE universities do.
by letsgobobby
Mon Aug 04, 2014 12:58 am
 
Forum: Personal Consumer Issues
Topic: Career advice for retiring doc
Replies: 16
Views: 2162

Re: How many families use 529 plans?

http://www.huffingtonpost.com/2013/01/0 ... 03032.html

529s almost exclusively benefit the rich and well-educated.
by letsgobobby
Sun Aug 03, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6460

Re: Refinance mortgage to save?

I would say no, because you are risk averse. But I would still try to save a little more money, rather than relying entirely on a pension.
by letsgobobby
Sun Aug 03, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance mortgage to save?
Replies: 11
Views: 838

Re: Where does 4% start

And the contingency planning probably involves a lower SWR, like 3%. Or having more money relative to spending, which is the same thing. Or working.
by letsgobobby
Sun Aug 03, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 2906

Re: HSA Strategy for high income earners

Agree with both of you. HSAs just aren't that big in the scheme of things for a high earner so the chances of it being over funded over a typical lifetime are not high. But one should have an exit strategy.
by letsgobobby
Sun Aug 03, 2014 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA Strategy for high income earners
Replies: 79
Views: 5520

Re: HSA Strategy for high income earners

If you can afford to cash flow, paying medical expenses from an HSA in the accumulation phase makes about as much sense as paying for a car with Roth IRA contributions. HSAs are triple tax free. If I could have five of them I would. And if I am so unlucky as to die without ever accumulating adequate...
by letsgobobby
Sun Aug 03, 2014 1:57 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA Strategy for high income earners
Replies: 79
Views: 5520

Re: How many families use 529 plans?

@tomatotomahto agree re: "one tier down" or state school. In fact, my college freshman will be attending a "one tier down" in a month. However, unless your kid is THE superstar athlete in their sport and/or has a top 10% GPA in their high school, the scholarship dollars are skim...
by letsgobobby
Sat Aug 02, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6460

Re: How many families use 529 plans?

only caveat to that plan is saving less in retirement increases your taxes, so take that into account when planning.
by letsgobobby
Sat Aug 02, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6460

Re: Best way to earn a pension

Take a low doc salary of $200k, and earn a pension of 2% per year for 10 years of service = $40,000 per year. Imagine this is from age 52-62. To buy that $3333 monthly income stream from Vanguard beginning at age 62, single annuitant, no inflation, costs about $630,000. In order to generate that sam...
by letsgobobby
Sat Aug 02, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to earn a pension
Replies: 38
Views: 4466

Re: Best way to earn a pension

I would start at the top. Feds first, state second. Who wants a job with a pension in Detroit? Why not try San Bernardino? There are plenty of bankrupt or near bankrupt municipalities you can work for. On the other hand, if you want to hit the big time, work for the Los Angeles Department of Water ...
by letsgobobby
Fri Aug 01, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to earn a pension
Replies: 38
Views: 4466

Re: Cheap Carnival Cruises

We've been on 3 cruises and not had a bad time yet. I was a cruise skeptic before my first. I'm a hiker! Explorer! Active traveler! Not a tourist! But lo and behold, they're d*** relaxing. And the 'hordes' of people don't bother me because I can always just push my chair out on the balcony, read a b...
by letsgobobby
Fri Aug 01, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Carnival Cruises
Replies: 21
Views: 2742

Re: Options for "mortgage pre-payment plan"

novicemoney wrote:net worth about $1,989,194.

There's just something awesome about this quote. I'm surprised you didn't include the cents!

:wink:
by letsgobobby
Fri Aug 01, 2014 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Options for "mortgage pre-payment plan"
Replies: 17
Views: 1134

Re: Best way to earn a pension

To me, it seems the optimal strategy is to do the reverse - work first in the private sector where income is often higher, build your nest egg, then switch to the public sector, to pick up pension and healthcare benefits, no age discrimination and they don't work you like a a dog….after a few years...
by letsgobobby
Fri Aug 01, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to earn a pension
Replies: 38
Views: 4466

Re: Best way to earn a pension

I thought about the congress route, but not for me. I wouldn't sacrifice a career I otherwise enjoyed to earn a pension. This would be second career/encore career stuff. Think of this less as tail wagging the dog, and more of dog deciding between chopped liver with a milk biscuit 20 years later, or ...
by letsgobobby
Fri Aug 01, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to earn a pension
Replies: 38
Views: 4466

Best way to earn a pension

I think our savings are chugging along just fine. We'll have halfway decent SS barring a change in program rules. Say we'd like to add a DB pension to the mix. What would be the best way to do this? I'm a doc, she's a research analyst with background in math and statistics. Off the top of my head: -...
by letsgobobby
Fri Aug 01, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to earn a pension
Replies: 38
Views: 4466

Re: Cheap Carnival Cruises

We went on a Carnival Cruise last year, one week. It was fine. We had realistic expectations going in. Don't expect gourmet food. Expect a clean ship, relaxed atmosphere, not a ton of upselling. The only true drawback is there were hardly any food options late at night. It seems it was pizza, or not...
by letsgobobby
Fri Aug 01, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Cheap Carnival Cruises
Replies: 21
Views: 2742

Re: How Much Did You Lose Today?

I did not vote, because I don't know. How does anyone even know how much their balanced changed from yesterday? You would have had to record the balance yesterday and then check it again today. Not really. If you know you have a 50/50 $500k portfolio, and you know stocks lost about 2% and bonds wer...
by letsgobobby
Fri Aug 01, 2014 2:15 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14107

Re: How Much Did You Lose Today?

C'mon, one bad day? We're what, 3% off an all time record high? And we're already asking how much we lost?

In 2011 I at least had the patience to wait two whole weeks!

viewtopic.php?f=10&t=79753
by letsgobobby
Fri Aug 01, 2014 1:46 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14107

Re: RBD here yet? (DOW -300points drop)

Gimme 10 more of these and I can go back up to 70% stocks.
by letsgobobby
Thu Jul 31, 2014 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 49
Views: 5079

Is your portfolio coronal mass ejection proof?

Seriously? http://live.wsj.com/video/nasa-solar-storm-nearly-causes-catastrophe-on-earth/982A6938-2CF0-4943-81D2-33039F83A66A.html?mod=trending_now_video_5#!982A6938-2CF0-4943-81D2-33039F83A66A I'd never heard of such a thing, but according to this article/video the earth missed, by 9 days, a $2 tri...
by letsgobobby
Thu Jul 31, 2014 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Is your portfolio coronal mass ejection proof?
Replies: 3
Views: 623
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