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Re: New 2% cash back Mastercard from Citi

Santosh T. wrote:Oh! But why next week?

Why not?
by serbeer
Fri Sep 05, 2014 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 20112

Re: New 2% cash back Mastercard from Citi

The Sallie Mae Visa can get you 5% at amazon & bookstores/gas/groceries. But monthly purchase limits are $750/$250/$250, after that it's 1%. Sallie Mae does not offer Visa card per their website. Perhaps they did in the past. They have Mastercard with 5% groceries/gas and stated limit (which I ...
by serbeer
Sat Aug 30, 2014 1:19 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 20112

Re: Possible formula error for 'Total-Unbalanced (N) values

Please check formula in cells C77-G77 in the Compare_Portfolios sheet (version 14d). I believe the first cell reference should C$58 through G$58 to index each column rather than $C$58 under the "Total-Unbalanced (N)" values. Confirmed (in version 13 d). Sharp eye Steve. Most people will n...
by serbeer
Fri Aug 29, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 608
Views: 374422

Re: What are you up YTD?

75/25
+7.7%
by serbeer
Tue Aug 26, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 101
Views: 7824

Re: Implementing Two-Factor Authentication for Fidelity Acco

The problem with Yubikey (and the reason I asked Fidelity for Verisign hardware token instead) is that Yubikey requires access to USB port, and while it is avaialble 95% of the time, the remaining 5% I may want to access Fidelity from terminal where the computer itself, and USB port on it is not ava...
by serbeer
Tue Aug 26, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 11650

Re: What assets are protected from state court proceedings?

One more thing... Let's say you have a $2 million umbrella policy like I had. You sell a house that you know has $1 million in defects without disclosing it. Are you saying your insurance company would be obligated to defend you? What an unbelievable "Get out of jail" free card this would...
by serbeer
Thu Aug 21, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1629

Re: Implementing Two-Factor Authentication for Fidelity Acco

Well that's interesting. I have MUCH less than $250K outside of my rollover IRA and rollover Roth IRA and I have two-factor authentication on my accounts. I have way more than $250K in total but the vast bulk of my retirement money is in tax advantaged accounts. Did Fidelity screw up when they gave...
by serbeer
Thu Aug 21, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 11650

Re: What assets are protected from state court proceedings?

I was the victim of a frivolous lawsuit that went on for nearly two years. ... Total bill ended up being about $35,000. If you don't mind me asking, did you have an umbrella insurance at the time? If so, why didn't you let their lawyers handle the case? Yes, I have a $2MM umbrella policy that I hav...
by serbeer
Thu Aug 21, 2014 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1629

Re: What assets are protected from state court proceedings?

epitomist wrote:I was the victim of a frivolous lawsuit that went on for nearly two years. ... Total bill ended up being about $35,000.


If you don't mind me asking, did you have an umbrella insurance at the time? If so, why didn't you let their lawyers handle the case?
by serbeer
Thu Aug 21, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1629

Re: What assets are protected from state court proceedings?

Definately consult an attorney, but in attempt to be more helpful than other responses, I can tell you that in IL, where I live, in civil cases (non-IRS): - 401K,Rollover IRA/Roth, and 529 plans are protected 100% - IRA/ROTH are protected up to $1M - Houses are protected only up to $15K (but obviusl...
by serbeer
Wed Aug 20, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1629

Re: 529 - in-state only up to deduction amount?

Forget about the state tax deduction. You will be living with the fund you chose and its expense ratio for up to 18 years. Pick the best. A one time deduction on only the state taxes is insignificant in the big picture......Gordon Edit...I fund 6 of the 529 plans for grandchildren using the Nevada ...
by serbeer
Tue Jul 29, 2014 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 - in-state only up to deduction amount?
Replies: 9
Views: 646

Re: Which is King: Income Stream or $ Invested

$ invested. Because you can always turn it into income stream through SPIA, but not the other way around (at least not even close to market rate).
by serbeer
Tue Jul 29, 2014 3:46 pm
 
Forum: Investing - Theory, News & General
Topic: Which is King: Income Stream or $ Invested
Replies: 52
Views: 4609

Intersting article: what broker's title can reveal

Interesting article on what information brokerage firm advisor's titles can reveal: http://time.com/money/2987797/a-simple-trick-for-learning-how-much-your-broker-makes/ PS To make this actionable: this can help you figure out how much of personal interst (as opposed to firm's interest) broker has i...
by serbeer
Wed Jul 16, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Intersting article: what broker's title can reveal
Replies: 1
Views: 618

Re: AMT Marginal Tax Rates

Yes, but over AMT tax rates, not ordinary tax rates. See http://thefinancebuff.com/amt-tax-brackets.html for details.
by serbeer
Tue Jul 01, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: AMT Marginal Tax Rates
Replies: 6
Views: 662

Re: Spreadsheet for backtesting (includes TrevH's data)

kcfin, et al: I just posted new revision of the spreasheet (Backtest-Portfolio-returns-rev13d.xls) with minor bug fix recently reported to me. Since the fix is minor, to a single formula for P5 in 1985+ portfolios, if you know enough about Excel, you may want to apply the change to your existing spr...
by serbeer
Tue Jul 01, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 608
Views: 374422

Re: Breastfeeding and baby formula

My wife had similar problems by the 7th month of breastfeeding with each of the kids (we kept it up until each kid was 1yo). [Medical advice removed by admin LadyGeek]

Hope it helps.
by serbeer
Mon Jun 30, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 1284

Re: American Automobile Assn (AAA)

I got international driver license from AAA facility in 2006 for my trip to Spain. I did not need membership at the time, just had to pay a fee ($35?). Are you sure they no longer issue it to non-members. Btw, I did not need the international driver license, they used my US license for all the paper...
by serbeer
Fri Jun 20, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: American Automobile Assn (AAA)
Replies: 51
Views: 3557

Re: Best Homeowners Insurance in IL

Amica
by serbeer
Thu Jun 12, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Homeowners Insurance in IL
Replies: 10
Views: 782

Re: Recommendations on Carpet Cleaning

I vacuum carpets every 2 weeks, and rent RugDoctor from local supermarket for $30 once per year.
by serbeer
Thu Jun 12, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations on Carpet Cleaning
Replies: 10
Views: 1102

Re: Is the first million really the hardest?

The first $500K is the hardest according to previous discussions :)
viewtopic.php?t=77682&postdays=0&postorder=asc&start=0
by serbeer
Thu Jun 12, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is the first million really the hardest?
Replies: 64
Views: 7854

Re: Child Care - 2 or More Children and Strategies to Pay

We only sent kids to daycare after older one reached 3.5yo. Until then, we had a nanny/babysitter that was working 8 hours a day (we shifted/overlapped my and wife's hours to minimize nanny hours since there is travel to/from work and lunch hours that would add about 1.5/2 hours without such shift)....
by serbeer
Thu Jun 05, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child Care - 2 or More Children and Strategies to Pay
Replies: 46
Views: 3430

Re: MSN money stock quotes not updated?

I switched to using SMF plug-in, available from one of the Yahoo Groups. Detailed instructions are here:
http://seekingalpha.com/instablog/32647 ... -for-excel
by serbeer
Thu May 08, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: MSN money stock quotes not updated?
Replies: 3
Views: 352

Re: Spreadsheet for backtesting (includes TrevH's data)

I think that total return is used and it includes both capital appreciation and dividends.
by serbeer
Mon May 05, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 608
Views: 374422

Re: Implementing Two-Factor Authentication for Fidelity Acco

I got the hardware token from Fidelity (which was not easy, they seem to prefer people to use software on the phone instead and I was told there are minimum account balance requirements though I was not told what they are--but I met them). The funny thing is, access to the site using Net Benefits po...
by serbeer
Thu May 01, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 11650

Re: Legal issues wrt giving semi-personalized investment adv

The fellow boglehead yobria has done it years ago already:
http://easyallocator.org/
Very good and simple site by the way, and exactly what you describe.
by serbeer
Wed Apr 30, 2014 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Legal issues wrt giving semi-personalized investment advice?
Replies: 4
Views: 595

Re: Spreadsheet for backtesting (includes TrevH's data)

LadyGeek, for version 13c of the spreasheet, opened in in Excel 2010, these cells do not contain anything including N/A error (well, invisible formulas are there)--neither Portfolio sheet, cells F31:F39 nor corresponding Returns_72_13 cells AD113-AL113. The same as O4 4 :O52 I do not have LibreOffic...
by serbeer
Wed Apr 30, 2014 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 608
Views: 374422

Re: Spreadsheet for backtesting (includes TrevH's data)

And your link is to the older 13a version . The latest 13c version is here: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=2520&p=2044707#p1912664 Always use the link on top of original Simba's post as starting to get to the latest version, even if through series of jumps through the t...
by serbeer
Wed Apr 30, 2014 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 608
Views: 374422

Re: Recommended "All Inclusive" in Caribbean

I had, and still do, usually 2 times every year.
But yet to try taking kids with us, as younger one is still too young IMO. When he is 5, I probably will.
by serbeer
Mon Apr 28, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommended "All Inclusive" in Caribbean
Replies: 8
Views: 2637

Re: POLL: what's the deal with Tuna Fish?

The poll is missing an option. I voted I Only Eat it Fresh even should it should be I Only Eat it Raw because I only eat tuna as sushi.
by serbeer
Wed Apr 23, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 4597

Re: What to do

You are doing excellent work I think coming down from $250K mountain of debt. I would indeed ramp up pre-tax contributions to TSP/401K. That would reduce tax bill. But I would also continue to pay off the loans with at least 25% of disposable income pool, or even 33%, starting with 5.5% one and only...
by serbeer
Tue Apr 22, 2014 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do [Investing vs. Paying Down Debt]
Replies: 9
Views: 1421

Re: Starting an RIA

RIA does not have to be expensive, so the fees can be reasonable. No one on this forum is likely to be interested in becoming your client, but here is how you can start it on less than $10K:
http://www.kitces.com/blog/setting-up-a ... han-10000/
by serbeer
Tue Apr 22, 2014 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starting an RIA
Replies: 28
Views: 2245

Re: Solar ovens

Good information on using Solar Ovens here:
http://www.cheaprvliving.com/blog/recom ... ls-part-1/
by serbeer
Tue Apr 22, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Solar ovens
Replies: 5
Views: 615

Predictably costly bet for many on short-term maturity bonds

Read the article by Bob Veres on how many financial advisors recently did their clients a huge disservice by recommending switch to short-term maturity bonds to defend again potentially raising interest rates: http://advisorperspectives.com/newsletters14/pdfs/How_to_Avoid_Hidden_Costs_in_Your_Bond_A...
by serbeer
Wed Apr 16, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Predictably costly bet for many on short-term maturity bonds
Replies: 0
Views: 291

Re: All-inclusive resort vacation for $2K??

Yes, it is possible and even easy in less expensive April-November months of the year to find week-long all inclusive vacation for under $1,000 per person. I suggest you use Apple Vacations website and look for 3 and 4 Apples-rated properties in Mexico (especially less expensive Puerto Vallarta area...
by serbeer
Tue Apr 15, 2014 5:44 pm
 
Forum: Personal Consumer Issues
Topic: All-inclusive resort vacation for $2K??
Replies: 19
Views: 2565

Re: LED bulb prices

Turns out that I have two more brand new CFLs and a box each of 60W, 75W, and 100W incandescents. I think I'll put in the LED once one of the CFL goes bad. I don't understand this type of reasoning. LEDs take less energy than CFLs, turn on faster, have better light spectrum, run no risk of breaking...
by serbeer
Fri Apr 11, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 14990

Re: LED bulb prices

... I'm waiting for LED prices to come down further and for 100W equivalent bulbs to become more widely available and at better prices. You may be pleasantly surprised if you try 60W equivalent LEDs. The ones I purchased as giving as much light output as my old 100W incandescent bulbs, or even a bi...
by serbeer
Tue Apr 08, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 14990

Re: Buying for someone who "has everything"

I am similar and the best gift my wife ever gave me was electronic book reader (sony prs-505 at the time). I love to read but was restraining myself to books on paper and reading on computer screen before that. Since then I always keep a reader with me and went through 3 prs-505 and now switched to ...
by serbeer
Sat Apr 05, 2014 12:05 am
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2807

Re: We Don't want to die with Money

With such goal, you are prime candidates for using ESPlanner planning tool http://www.esplanner.com/ Its goal is "consumption smoothing" which is fancy term for "not dying with money". It is built by reputable college professor who is authority in the field, well peer-reviewed, u...
by serbeer
Wed Mar 26, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3956

Re: Options for the medical grad but no residency

One of my friends was in similar situation when she could not get through residency. She chose to spend several years studying Chineese and herbal medicine through some kind of Oriental medicine academy. Now that she graduated from it, she is in the initial stages of starting her own practice/busine...
by serbeer
Wed Mar 19, 2014 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 98
Views: 9057

Re: Home Expenses

yes, around 1.5% on average and yes very irregular from year to year
by serbeer
Mon Mar 17, 2014 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Expenses
Replies: 2
Views: 515

Re: Flexible Spending Account Timing Question

I had to deal with it when my child was born. If hospital admission and birth happened on the same date, great, you are all set. If it was overnight stay, you'll have a problem since the money added to your FSA due to qualifying even can only be paid for expenses that, in their entirety, occurred on...
by serbeer
Fri Mar 14, 2014 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flexible Spending Account Timing Question
Replies: 15
Views: 585

Re: What's a reasonable composite expense ratio?

My household composite is 0.16 0.4 seems high in comparison and especially given all-Vanguard funds. I'd expect such ratio if majority of funds were in 401K accounts and you/spouse worked for medium-sized companies. Not bad in absolute terms though, anything under 0.5 is not going to do major damage...
by serbeer
Fri Mar 14, 2014 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's a reasonable composite expense ratio?
Replies: 62
Views: 3343

Re: Turn spare change into big bucks?

Will not be "big bucks" for sure. "Turn spare change into high-ER investments?" would be a better title for the thread.
by serbeer
Fri Mar 14, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: Turn spare change into big bucks?
Replies: 29
Views: 2354

Re: Is Roth annuity to Roth IRA rollover possible?

Thank you sscritic. Now that I think about it, you may be right about me having to open a regular Roth IRA and roll-over into it. Rollover IRAs are still special in respect of asset protection: they contain money coming out of ERISA accounts, such as 401K, and, thus, have unlimited asset protection ...
by serbeer
Fri Mar 14, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Roth annuity to Roth IRA rollover possible?
Replies: 5
Views: 420

Re: Is Roth annuity to Roth IRA rollover possible?

Thank you for the detailed response Alan!
Hopefully, I can interpret "limit of 1 indirect rollover from each IRA account" as "limit of 1 indirect rollover from each Roth Fixed Annuity account"
by serbeer
Thu Mar 13, 2014 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Roth annuity to Roth IRA rollover possible?
Replies: 5
Views: 420

Is Roth annuity to Roth IRA rollover possible?

Folks, one of my family member purchased qualified fixed annuity with Roth money a few years back, but realized it is not as great of a deal as originally thought, so now decided to follow my suggestion and use the annual penalty-free 10% annual withdrawal rider to move the money from the annuity in...
by serbeer
Thu Mar 13, 2014 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Roth annuity to Roth IRA rollover possible?
Replies: 5
Views: 420

Re: Tipping for a haircut at Great Clips

I always go to Great Clips for my haircuts and I always tip $2. But I NEVER pay full $14 price. I always use coupon that takes the price down to at least $8.99, and sometimes $6.99. If I don't find Great Clips own coupon in MoneyMailer and such during the month (frequently for $6.99-$8.99), I use co...
by serbeer
Mon Mar 10, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 4351

Re: LED bulb prices

Just purchased 4 (40W-equivalent) LED bulbs at less than $3.50 per bulb with tax and free shipping from Staples: http://dealnews.com/Brighton-Professional-6-W-A19-LED-Light-Bulb-2-Pack-for-7-free-shipping/997920.html Thanks for this. Out of stock online, but have few pack on hold at my local store....
by serbeer
Thu Mar 06, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 14990

Re: LED bulb prices

Just purchased 4 (40W-equivalent) LED bulbs at less than $3.50 per bulb with tax and free shipping from Staples: http://dealnews.com/Brighton-Professional-6-W-A19-LED-Light-Bulb-2-Pack-for-7-free-shipping/997920.html I am nearly done with converting all my regular light bulbs in the house to LEDs, i...
by serbeer
Wed Mar 05, 2014 5:44 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 14990

Re: Alternatives to MINT.com

Yodlee Moneycenter or Fidelity Fullview if you are customer of Fidelity (based on Yodlee engine too btw)
by serbeer
Wed Mar 05, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternatives to MINT.com
Replies: 33
Views: 5459
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