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Re: Subaru Military VIP Program

I found emailing the internet sales person the best way to go about it. I would go to subaru.com find a dealer and simply email the internet sales person and say. My wife and I are buying 2 new subarus (whichever ones you test drive and like prior to sending the email) with exactly what you want. sa...
by rexhat
Mon Jul 07, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Military VIP Program
Replies: 7
Views: 1342

Re: Subaru Military VIP Program

Just tell the dealer they have to beat VIP pricing to get your business. Most will do that. I got a 2015 for below VIP pricing.
by rexhat
Sun Jul 06, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Military VIP Program
Replies: 7
Views: 1342

Re: Cannot qualify for physician disability insurance.

Yes, I tried individual underwriting with Guardian and was flat out rejected. They wouldn't offer me even an exclusion at higher cost. That annoyed me completely. Only Metlife would offer me something after underwriting with 5 year coverage, exclusion and 30% premium addition and only $5k coverage. ...
by rexhat
Sun Jul 06, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cannot qualify for physician disability insurance.
Replies: 30
Views: 2410

Re: Cannot qualify for physician disability insurance.

I was in a similar situation. Although your situation is actually better in the sense your wife's income is your insurance. My story is that after undergoing underwriting for a few policies and even being issued one with 5 year coverage, exclusion and extra cost, I received the $7,500/month of cover...
by rexhat
Sun Jul 06, 2014 7:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Cannot qualify for physician disability insurance.
Replies: 30
Views: 2410

Re: Help me invest my HSA

my question more specifically is if the ER with chase for an index fund is 0.20% vs. say 0.05% for VG admiral share. What's the math to justify paying HSAAdministrators $45/year on top of the fund ER? My Chase HSA has no fees except for the 0.20% ER on that index fund. So I think you would need to h...
by rexhat
Sat Jun 07, 2014 12:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me invest my HSA
Replies: 11
Views: 917

Re: Help me invest my HSA

how large of an account to justify the $45/annual fee of the hsaadministrators account?
by rexhat
Fri Jun 06, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me invest my HSA
Replies: 11
Views: 917

Re: Advice on disability insurance

If you qualify for guardian get that one with graded premium. No question.
by rexhat
Sat May 10, 2014 6:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on disability insurance
Replies: 6
Views: 652

Re: Best way to get a car loan

Hi, I was able to sign up for pen fed and get auto loan in the same day. According to the phone rep, if you ever donated blood to the American Red Cross, you can claim American Red Cross status and automatically become a pen fed member. There is no verification. The "check is in the mail" ...
by rexhat
Sun Apr 20, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Best way to get a car loan
Replies: 8
Views: 660

Re: Amazon 10% Fed refund bonus with TurboTax

We had a big refund this year due to job changes. I used mint.com to calculate amazon.com purchases in the last year and took a refund + 10% bonus in that amount, which I can use this year. It's great. Easy money especially w/ prime
by rexhat
Thu Mar 20, 2014 2:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Amazon 10% Fed refund bonus with TurboTax
Replies: 30
Views: 5674

Re: HSA vs. Regular Plan--two very good choices

So I went ahead and signed up for the HSA. It's a 1 year experiment. Hopefully not too expensive and pays off. The account is through Chase. Anyone have an opinion of their HSA offering?
by rexhat
Sun Mar 16, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA vs. Regular Plan--two very good choices
Replies: 18
Views: 1173

Re: HSA vs. Regular Plan--two very good choices

Thanks Laura, I'm still intrigued by this pre-tax contributions, no tax in withdrawal and being allowed to invest the money for decades. The worst case we are out $6,000/year in-network which doesn't seem bad at all. I think average case would be between $1,000-$2,000/year in expenses, which the emp...
by rexhat
Sun Feb 23, 2014 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA vs. Regular Plan--two very good choices
Replies: 18
Views: 1173

Re: HSA vs. Regular Plan--two very good choices

Anyone else have an opinion on this HSA option?
by rexhat
Sun Feb 23, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA vs. Regular Plan--two very good choices
Replies: 18
Views: 1173

Re: HSA vs. Regular Plan--two very good choices

Yes all tax advantaged space is maxed out. 401k, back door roth, & 529
by rexhat
Sun Feb 23, 2014 12:43 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA vs. Regular Plan--two very good choices
Replies: 18
Views: 1173

HSA vs. Regular Plan--two very good choices

Hi all, I'm trying to decide on choosing an HSA vs. a standard healthcare plan. My employer is generous and pays all premiums for either plan. For the HSA, they kick in an extra $2,250. We've always done the standard plan in the past, but I'm intrigued about the HSA. Background: Me: 35, DW:33, Child...
by rexhat
Sun Feb 23, 2014 12:06 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA vs. Regular Plan--two very good choices
Replies: 18
Views: 1173

Re: Creating a Budget

I found watching what we spend for a period of time say, 30-90 days, using Mint.com to see where money was going was helpful to get an idea of expenditures. Then, I would comb through each transaction, decide what was unnecessary and set monthly targets for each major category.
by rexhat
Fri Jan 17, 2014 12:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Creating a Budget
Replies: 38
Views: 2707

Help me understand whole life policy:Cash out or let it ride

Hi all, I discovered a whole life policy my father started for me in 1984, so its had about 30 years of premiums already paid. I'm trying to decide if I should cash it out and invest the money or just let it keep accumulating a small sum. My father is letting me manage the policy how I wish. From 19...
by rexhat
Fri Jan 17, 2014 12:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Help me understand whole life policy:Cash out or let it ride
Replies: 1
Views: 207

Truly high earners (>$1M/year) how'd you do it?

For those of you earning more than $1M/year, What's your story (as can be told anonymously)? What lessons can you impart?
by rexhat
Mon Jan 13, 2014 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Truly high earners (>$1M/year) how'd you do it?
Replies: 64
Views: 7135

Re: Long term bogleheads returns?

Thanks for the helpful replies everyone.
by rexhat
Sat Oct 19, 2013 1:37 am
 
Forum: Investing - Theory, News & General
Topic: Long term bogleheads returns?
Replies: 21
Views: 2451

Re: Annoyed with Vanguard. How do you cancel [exchanges]?

I was annoyed. The responses ran the gamut. In the end, that forced exchange helped me have a paper profit of a few percent so I am happy with the outcome. Guess, this helps me realize that timing the market is useless and I should just continue to plow $$$ into my portfolio.

Thanks everyone.
by rexhat
Sat Oct 19, 2013 1:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Annoyed with Vanguard. How do you cancel [exchanges]?
Replies: 72
Views: 7085

Re: Bogleheads Conference The Greatest

How does one get selected to go?
by rexhat
Fri Oct 18, 2013 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Conference The Greatest
Replies: 26
Views: 3875

Long term bogleheads returns?

Are there any long-term bogleheads who have used this approach for decades perhaps using a 3 fund or similar approach portfolio and kept records of their returns? What kinds of returns did you actually have? Did you stay the course? Did you rebalance regularly and what were your criteria for rebalan...
by rexhat
Wed Oct 16, 2013 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Long term bogleheads returns?
Replies: 21
Views: 2451

Re: Annoyed with Vanguard. How do you cancel [exchanges]?

Forgot to mention:
I spent 20 minutes on hold with a rep who told me "no problem" and I thought he was cancelling the exchange instead he was transferring me to a supervisor who said it was impossible even though the other agent said it could be taken care of.
by rexhat
Wed Oct 09, 2013 6:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Annoyed with Vanguard. How do you cancel [exchanges]?
Replies: 72
Views: 7085

Re: Annoyed with Vanguard. How do you cancel [exchanges]?

Honestly, I assumed they had the function, didn't think twice about it. I've made several transactions with Vanguard in the past and didn't think twice about hitting submit--lots of things pop up unnecessarily as you make your transaction easy to ignore if you use a computer regularly. Like I stated...
by rexhat
Tue Oct 08, 2013 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annoyed with Vanguard. How do you cancel [exchanges]?
Replies: 72
Views: 7085

Re: Annoyed with Vanguard. How do you cancel [exchanges]?

Oh please, Vanguard is being a little paternalistic. Well you've not answered whether you read the disclaimer when you clicked submit, where is your personal responsibility? Yes, I acknowledge that the disclaimer is there--I don't disagree that it is there. I'm not disavowing personal responsibilit...
by rexhat
Tue Oct 08, 2013 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Annoyed with Vanguard. How do you cancel [exchanges]?
Replies: 72
Views: 7085

Re: Annoyed with Vanguard. How do you cancel [exchanges]?

Oh please, Vanguard is being a little paternalistic. Thanks for those who at least cited some objective business reason for Vanguard to not allow undoing exchange requests. Also trying to time one's entry into the market does not make one a non-investor. The money's going in for the long-term. I may...
by rexhat
Tue Oct 08, 2013 12:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Annoyed with Vanguard. How do you cancel [exchanges]?
Replies: 72
Views: 7085

Re: Annoyed with Vanguard. Poor tech. How do you cancel trad

"I cannot think of a good reason for not allowing cancellation of a mutual fund trade/exchange prior to close of the market for that day. (or even say 30 minutes prior to close as a compromise). People do make mistakes no matter how may confirmations - "Are you sure you want to do this?&qu...
by rexhat
Mon Oct 07, 2013 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Annoyed with Vanguard. How do you cancel [exchanges]?
Replies: 72
Views: 7085

Annoyed with Vanguard. How do you cancel [exchanges]?

Had the idea that now would be a good time to rebalance and did some exchanges from bond funds into total stock over the weekend. Then realized some volatility was coming due to our legislature's inability to pass a budget. I tried to cancel the trades online and couldn't. I then called Vanguard and...
by rexhat
Mon Oct 07, 2013 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Annoyed with Vanguard. How do you cancel [exchanges]?
Replies: 72
Views: 7085

Re: Portfolio reorganized. Thanks BH

Thanks all for your advice. Since I last wrote, I consolidated some accounts and transferred some money from Fidelity to Vanguard (took a $50 hit on closeout fees). I re-read my old post and it helped me realize how complicated my plan was. 1. Slowly increasing the emergency fund to 6 months from 3-...
by rexhat
Fri Oct 04, 2013 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio reorganized. Thanks BH
Replies: 9
Views: 1106

Re: difference between Vanguard international indexes

Thanks. I guess I wasn't the only one. That xray is helpful.
by rexhat
Tue Oct 01, 2013 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: difference between Vanguard international indexes
Replies: 3
Views: 333

difference between Vanguard international indexes

I can't seem to fathom the difference between VTIAX (Vanguard Total International Stock Index Fund Admiral Shares ) and VFWAX (
Vanguard FTSE All-World ex-US Index Fund Admiral)

Can someone explain?

Thanks

Rex
by rexhat
Tue Oct 01, 2013 11:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: difference between Vanguard international indexes
Replies: 3
Views: 333

Re: Please help organize this portfolio

Thanks for the additional feedback. Using everyone's input how would this asset allocation work? How much international should I have--should I go higher? US Stock 50%, 40% total stock market and 10% small cap International Stock 25%, 20% total international, 5% small cap/value REITS 5% Bonds 20%-- ...
by rexhat
Sun Sep 01, 2013 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio reorganized. Thanks BH
Replies: 9
Views: 1106

Re: Please help organize this portfolio

Thank you. I think going through this exercise alone helped me realize that the portfolio is too complicated and fragmented. I will likely consolidate into a form of a lazy portfolio. Any thoughts on questions 3-5? 3. How aggressively should I aim to pay student loan debt versus save for retirement ...
by rexhat
Fri Aug 30, 2013 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio reorganized. Thanks BH
Replies: 9
Views: 1106

Portfolio reorganized. Thanks BH

My family is going through a period of transitions as I graduate into my first job as an attending physician. We also just had our first child. I’m revisiting our investments that we accrued as residents. I recently trashed the asset allocation to take out a 403(b) loan (to pay off higher interest r...
by rexhat
Fri Aug 30, 2013 12:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio reorganized. Thanks BH
Replies: 9
Views: 1106

[Contributing to] 457?

Hi all, I am starting a new job at a non-profit, non-governmental hospital and can participate in 403(b) and 457 plans. I am planning to max out the 403(b) plan($17.5k). I wanted to know if contributing to the 457 was a good idea if I wasn't sure I was going to stay at the job for more than 1-3 year...
by rexhat
Fri Jun 28, 2013 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: [Contributing to] 457?
Replies: 2
Views: 280

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