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Re: POLL: Do you personally own a cell phone?

I also own a cell phone that is neither a smart phone or a flip phone. The poll needs more choices.
by mhc
Sat Nov 22, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 37
Views: 1463

Re: Glad to join the community!

Welcome to the forum.

I agree that there is a lot of good content here. Have you looked through the Wiki yet?
by mhc
Sat Nov 22, 2014 10:52 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Glad to join the community!
Replies: 1
Views: 95

Re: What would be the investing strategy for a coming crash?

InvestorNewb wrote:Stay the course.



and stop listening to all the noise.
by mhc
Fri Nov 21, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 47
Views: 3206

Re: Donating for a specific family

I sponsor missionaries and specific children through various organizations. I suspect that if I look under the hood, the non-profit can direct the funds as they see fit which keeps the contributions tax deductible. Your church would need to do something like this I would assume. If your church set u...
by mhc
Fri Nov 21, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Donating for a specific family
Replies: 13
Views: 1031

Re: Social Security 62 vs 66

Did you account for Jill getting $6800/yr more than Jack from ages 67-77?

If Jack is getting 4% on his money and Jill is getting ~8% for delaying SS, how would Jack come out ahead?

Jack's 4% has much more risk than Jill's 8%.
by mhc
Fri Nov 21, 2014 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 36
Views: 2771

Re: getting umbrella insurance

I have home and auto insurance with this company. I submitted answers to most all of these questions online and got a quote. But they will not complete the deal until I call and provide other unspecified information. Can't imagine what else they would ask. They may just want to upsell you. Insuranc...
by mhc
Thu Nov 20, 2014 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: getting umbrella insurance
Replies: 25
Views: 1460

Re: Help: Three Fund Portfolio at Fidelity

Here is the wiki article which lists the Fidelity funds for a 3-fund portfolio: http://www.bogleheads.org/wiki/3-fund_portfolio If you want help allocating between Fidelity and Vanguard, you should list: 1. Funds available in 401k w/ ER 2. Relative size of 401k to IRA 3. Desired percent for each com...
by mhc
Thu Nov 20, 2014 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 10
Views: 1081

Re: Learning to Type

My kids have access to typingclub.com through their elementary school. Seems to work for them.

Does your school have anything?
by mhc
Tue Nov 18, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Learning to Type
Replies: 14
Views: 1602

Re: Tax Implications of Opening UGMA/UTMA for Niece/Nephew

A UGMA/UTMA account has a lot of flexibility, but the downside is the filing of tax forms.

If you think they may go to college, you may consider a 529 or Coverdell account.
by mhc
Tue Nov 18, 2014 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax Implications of Opening UGMA/UTMA for Niece/Nephew
Replies: 4
Views: 273

Re: Who is mailing Holiday Cards this year?

So, here's my problems with the cards. Some people send letters that are practically like bragging. Johnny is a straight A student. Jane was First in the State Science Fair. It's good to keep in touch people, but the people who I keep in touch with know about important events as they happen through...
by mhc
Mon Nov 17, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3101

Re: How to buy "junk" bonds as an individual investor?

Before finding Bogleheads, I bought some bonds at auction through Zions Direct. I have no complaints with Zions Direct. There website is fine. There customer service is good, and their transaction fees seem fine. I have sold off all my individual bonds and now only buy bond funds. I use bonds to man...
by mhc
Sun Nov 16, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: How to buy "junk" bonds as an individual investor?
Replies: 24
Views: 1222

Re: Who is mailing Holiday Cards this year?

I plan on sending Christmas cards this year. My DW and I have been doing this since we have had kids. We will take a photo of just the kids or maybe the whole family. My DW then puts together a letter. We mail both out through the USPS. I know my parents like to hang up the photos/cards they receive...
by mhc
Fri Nov 14, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3101

Re: Rebalancing

I rebalance when adding or withdrawing money. This is frequent enough that I do not need to otherwise touch things.
by mhc
Thu Nov 13, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing
Replies: 7
Views: 551

Re: Is it considered "market timing" if I...

If you are timing your investment decisions on the condition of the market instead of trying to follow your AA, then it is market timing. If US equities fall below your desired allocation and you have new money to invest, then putting the new money into US equities to bring it in line with your plan...
by mhc
Thu Nov 13, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Is it considered "market timing" if I...
Replies: 3
Views: 453

Re: HSA strategy

You have it right. You are doing the right thing to save on taxes. You should funnel all qualified medical expenses through the HSA to reduce your taxes.
by mhc
Wed Nov 12, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA strategy
Replies: 8
Views: 1252

Re: Boglehead family vacations

Rent a house by the beach in San Diego. There are so many family activities in the area.
by mhc
Wed Nov 12, 2014 9:59 am
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 42
Views: 3068

Re: Where should I rollover my HSA?

Welcome to the forum.

The wiki has a lot of great info. Try this article:

http://www.bogleheads.org/wiki/HSA
by mhc
Wed Nov 12, 2014 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Where should I rollover my HSA?
Replies: 5
Views: 633

Re: Your favorite classic toys for kids

baseball/glove/bat, football, basketball, legos, tinker toys

When I was a kid, we had a lot of fun with sticks. They could be anything we wanted them to be.
by mhc
Wed Nov 12, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 3822

Re: HSA Index Allocation Help

So you need: 64% TSM 16% TISM 20% TBM You can replicate the TSM with 3 parts S&P500 and 1 part Small Cap. The TBM part could either be either bond fund. It's splitting hairs at this point. 48% S&P500 16% Small Cap 16% Total Intl Stock 20% Total Bond You could hold one fund in your HSA and ad...
by mhc
Wed Nov 12, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA Index Allocation Help
Replies: 4
Views: 515

Re: HSA Index Allocation Help

Just in case you have not thought of it, you do not need to replicate your AA in every account. I would recommend picking 1 fund for your HSA and adjust your other accounts accordingly.
by mhc
Tue Nov 11, 2014 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Index Allocation Help
Replies: 4
Views: 515

Re: Question about reinvesting dividends

In general, one should automatically re-invest dividends in retirement accounts and other tax advantaged accounts (e.g., HSA, 529). You want to keep your money in the market so that it is working for you.
by mhc
Tue Nov 11, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about reinvesting dividends
Replies: 7
Views: 628

Re: Rebalancing quarterly beats yearly, monthly, or never

Here's a paper from Vanguard: http://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=0CCAQFjAA&url=http%3A%2F%2Fwww.vanguard.com%2Fpdf%2Ficrpr.pdf&ei=jzFiVIbQNIXxoASTqIHwDA&usg=AFQjCNHwCx8uPHVvJMNwuQt-h4EB8Csdlw&bvm=bv.79189006,d.cGU&cad=rja
by mhc
Tue Nov 11, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing quarterly beats yearly, monthly, or never
Replies: 11
Views: 1104

Re: Food Frugality: Where do you draw the line?

I try to avoid the high sugar treats in the breakroom at work. Too much sugar and I feel horrible for the rest of the day. It also impacts my productivity. I can eat reasonable food pretty cheaply. I bring my breakfast and lunch to work every day. I think those 10 meals cost me about $20/week. That ...
by mhc
Tue Nov 11, 2014 9:33 am
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6171

Re: Fidelity HSA Questions

Those that have Fidelity for their HSA what is the best fund the invest in? I'm not trying to be a smart a**, but the one that you need according to your plan. If you can find a no cost fund from Fidelity, that would be a good choice, especially the Spartan funds. I hold VSS (Vanguard Intl small ca...
by mhc
Sun Nov 09, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Questions
Replies: 12
Views: 863

Re: Fidelity HSA Questions

I have my HSA with Fidelity. I don't know about the fees. I am able to invest every dollar I put in. There are lots of no cost mutual funds and ETF's. ETF trades are $8. If your company's benefit department cannot answer the questions about fees, read the plan material. Actually, it is always a good...
by mhc
Sat Nov 08, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Questions
Replies: 12
Views: 863

Re: Deferred Compensation Strategies

If it is very likely that you will get the deferral as a lump sum payment, I would be careful about how much you put in, especially if that lump sum could come on top of your normal pay. I have been part of two different deferred comp plans. They each allowed me to specify are year to pay out for ea...
by mhc
Sat Nov 08, 2014 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation Strategies
Replies: 7
Views: 1023

Re: Vanguard site percentage info

When I do what tom recommended, I see lots of percentages. If you want a total return percentage, select "Personal Performance" on the "My Accounts" tab.
by mhc
Sat Nov 08, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard site percentage info
Replies: 6
Views: 787

Re: Deferred Compensation Strategies

I think it is a good idea to reduce your lifetime tax burden. I chose to put all my deferred comp into bonds to minimize the growth (I needed bonds somewhere anyways) to minimize risk. What is the retirement age you have to hit to avoid lump sum? If the company is stable, then you could wait until r...
by mhc
Fri Nov 07, 2014 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation Strategies
Replies: 7
Views: 1023

Re: letting profits run or sell...

If you would not buy more today, then the answer is to SELL. I would buy more today, but thats not the point. These are solid companies and will go up a lot more but before that happens we could see big pull backs by the market and they will be affected and I would be leaving $$ on the table. It al...
by mhc
Thu Nov 06, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: letting profits run or sell...
Replies: 34
Views: 2577

Re: Vanguard web site changes

I just found out that if you have Comcast Voice, you can send and receive text messages associated with your home phone number. I just set it up. I can now send and receive texts from the Comcast website. If you like, you can have the texts forwarded to an email address.
by mhc
Wed Nov 05, 2014 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 6646

Re: Vanguard Security Concern - Status emails

If this concerns you, you should not be using the free email providers that scan your emails.

It does not bother me. Who knows, maybe they will give me ads that are more relevant to me.
by mhc
Wed Nov 05, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Security Concern - Status emails
Replies: 4
Views: 847

Re: Cash - Throw it on the table!

I keep 10% of annual expenses in checking account and another 10% in MMA. Both are at a local brick and mortar bank.

Intellectually, I would like to get to 5% and 5%, but I feel better with a bigger cash flow cushion.
by mhc
Wed Nov 05, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 51
Views: 3740

Re: Problems with robo advisors I see, do you too ?

What Schwab is doing makes me think about what Apple, Microsoft, Google, Amazon, Comcast, and others are doing. They try to lock you into an ecosystem. They do not want an open world where all things have interoperability. You choose an ecosystem, pay your monthly bill, and stay locked in. I'm not s...
by mhc
Wed Nov 05, 2014 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Problems with robo advisors I see, do you too ?
Replies: 8
Views: 1099

Re: Seeking recommendations for a new dishwasher

We have had our Bosch for 2 years or so. It is the best dishwasher I have ever had.
by mhc
Sun Nov 02, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Seeking recommendations for a new dishwasher
Replies: 15
Views: 961

Re: Do you optimize for consistent cash flow? (max 401k earl

I maxed my 401k in February this year. My thinking is I can get more money into the market sooner this way because I do not pay income taxes on the money going into the 401k. I still pay the same amount in taxes, but the taxes are withheld later in the year. Double win in my book.
by mhc
Sun Nov 02, 2014 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you optimize for consistent cash flow? (max 401k early)
Replies: 7
Views: 857

Re: where to place dividends in taxable acct.?

I think it can be pretty simple. Direct the dividends to a sweep account (e.g., checking account, MMA). If you need money for spending (e.g., mortgage, food, vacation), then spend the money. Whatever you have left should be invested in whatever fund will bring your portfolio more into balance.
by mhc
Sat Nov 01, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: where to place dividends in taxable acct.?
Replies: 9
Views: 810

Re: Just applied for voyager select.

coachz wrote:Just broke the voyager select level and hope to get the CFP eval to learn more. Yay


Congrats.

I bet you could learn all you need here.
by mhc
Sat Nov 01, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Just applied for voyager select.
Replies: 11
Views: 1806

Re: Trick or Treating Minimum Requirements

More than a 100. We probably get 50-100 kids depending on the weather. Things are looking good for a busy night. Weekend night and warm weather. I'm excited.

We never have a surplus. At 8:00 I dump whatever is left in the bowl into a kid's bag and turn off the porch light.
by mhc
Fri Oct 31, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Trick or Treating Minimum Requirements
Replies: 20
Views: 1357

Re: What to do...HSA/PPO

The other thing to consider is the tax savings if you use the HDHP HSA. Of course the higher premiums on your PPO would also provide a tax savings. Bottom line is that you need to include taxes in the analysis. Since it does not sound like you use much on medical, I recommend going with the HDHP, es...
by mhc
Fri Oct 31, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do...HSA/PPO
Replies: 6
Views: 403

Re: Opinions on JPMorgan SmartRetirement

I wouldn't touch it. It is a mess of other funds. Disciplined Equity Fund, Class R6 15.1 Intrepid America Fund, Class R5 7.4 Value Advantage Fund, Class Institutional 7.3 Growth Advantage Fund 7.1 U.S. Equity Fund, Class R6 7.0 International Equity Fund, Class R6 6.4 Core Bond Fund, Class R6 6.1 Int...
by mhc
Fri Oct 31, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on JPMorgan SmartRetirement
Replies: 6
Views: 510

Re: Coupons? Do you live by them?

I use coupons mainly for entertainment. If I am going on vacation, I look for coupons for amusement parks, aquariums, museums, .... They tend to have a large bang for the buck. I also look through the envelope full of coupons that come in the mail. I can usually find a by one get one free for the lo...
by mhc
Fri Oct 31, 2014 8:57 am
 
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 66
Views: 4038

Re: Getting more $ from employer by taking $$ive insurance

The goal should be to maximize the benefit to you, not the amount of money you cost the company.

Do you value the two insurance plans the same? Which plan is going to provide you the medical care you need while leaving the most money in your pocket? These seem to be more relevant questions.
by mhc
Thu Oct 30, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting more $ from employer by taking $$ive insurance
Replies: 7
Views: 885

Re: That stress-relieving thing you do at work

imgritz wrote:Walk.

Take a short walk. Look at the trees. Notice the birds. You get the idea.


+1

Or maybe a long walk depending on how stressed you are. Maybe take a friend along.

If I can't take an actual walk, I may stare out the window and take a mental walk.
by mhc
Thu Oct 30, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: That stress-relieving thing you do at work
Replies: 45
Views: 2869

Re: What to ask for when negotiating a severance package?

You may ask. Negotiating usually involves both parties offering something. What would you be offering in the negotiation or how do you think you could convince them that you should get more than others? From my experience, companies like to follow formulas so that they don't get sued for discriminat...
by mhc
Thu Oct 30, 2014 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: What to ask for when negotiating a severance package?
Replies: 26
Views: 2117

Re: VFWAX vs. VTIAX

They are almost the same fund. You can plot them together at M*. You can also go to the tax tab on M* and compare them. Better yet, look at the Distribution tab for each fund on the Vanguard site. You won't see much difference.
by mhc
Wed Oct 29, 2014 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: VFWAX vs. VTIAX
Replies: 4
Views: 678

Re: VFWAX vs. VTIAX

It is a good thing that Vanguard has both funds. Start with VTIAX because of the advantages you listed.

When you need to TLH, sell VTIAX and buy VFWAX. Works beautifully.
by mhc
Wed Oct 29, 2014 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: VFWAX vs. VTIAX
Replies: 4
Views: 678

Re: How often do you change your car's oil?

When I get around to it. Usually once and maybe twice a year. I only put 6,000 miles/yr on the car.
by mhc
Fri Oct 24, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 10933

Re: Create a Social Security Account (pre SS age)?

I created an account when they stopped sending out paper statements. I am in my mid-40s. I wanted to see my benefits.

My information is in the government system regardless of if I create an account or not.
by mhc
Thu Oct 23, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Create a Social Security Account (pre SS age)?
Replies: 4
Views: 353

Re: Do you regret buying your home?

I have owned my house for 15 years. I have no major regrets. Since I purchased my house, the are 5x the number of people living in it. We are beginning to out grow it. Also, the city has grown on my end of town, which has dramatically increased the traffic. Despite these current issues, I do not hav...
by mhc
Thu Oct 23, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6943

Re: Which lots do you sell when redeeming shares?

You've got it. Sell the ones with the least tax burden unless you would not have to pay cap gains taxes due to your tax bracket.
by mhc
Wed Oct 22, 2014 9:57 am
 
Forum: Investing - Theory, News & General
Topic: Which lots do you sell when redeeming shares?
Replies: 14
Views: 929
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