Search found 701 matches

by *3!4!/5!
Fri Mar 24, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: claim: stock/bond allocation should be independent of investment horizon
Replies: 54
Views: 4148

Re: claim: stock/bond allocation should be independent of investment horizon

OP="trademil"
This thread explains the answer to your question.
viewtopic.php?f=10&t=214255
The other stuff people were talking about in this thread is pretty much irrelevant.
by *3!4!/5!
Fri Mar 24, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account
Replies: 33
Views: 746

Re: can't logon to vanguard account

Oh no, the sky was falling while I was sound asleep, and I missed the whole thing! :oops:
by *3!4!/5!
Fri Mar 24, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3037

Re: What is your preferred Weather App?

Thanks!
by *3!4!/5!
Fri Mar 24, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 109
Views: 10054

Re: Best HSA (2017)

I don't understand all of this consternation over $25, or whatever, once per year. Really? As your HSA grows, any transaction fee becomes essentially irrelevant, whereas account charges stated as a percentage of the total become large. That's where Saturna wins, in my opinion. It is too much troubl...
by *3!4!/5!
Fri Mar 24, 2017 3:16 am
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3037

Re: What is your preferred Weather App?

I am a meteorologist who works at an energy commodities firm. I have not found a weather app that I have liked yet. There is presently no weather app that is based of off official NOAA/NWS national weather forecasts. NOAA does not have an official weather app per se but they do have some awesome mo...
by *3!4!/5!
Fri Mar 24, 2017 12:59 am
Forum: Investing - Help with Personal Investments
Topic: Maxing tax-advantaged accounts -- am I getting this right?
Replies: 18
Views: 1213

Re: Maxing tax-advantaged accounts -- am I getting this right?

"The amount of the credit is 50%, 20% or 10% of your retirement plan or IRA contributions up to $2,000 ($4,000 if married filing jointly), depending on your adjusted gross income"

E.g. 10%*$2,000 =$200
by *3!4!/5!
Thu Mar 23, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 109
Views: 10054

Re: Best HSA (2017)

@atxeng
I will make a suggestion that might seem un-Boglehead-ish, but applies in your case. I really think it would be better for you to hire a financial planner to help you find a suitable HSA. Your DIY efforts just don't seem to be working.
by *3!4!/5!
Thu Mar 23, 2017 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Why did my fund GO UP so much?
Replies: 33
Views: 2552

Re: Why did my fund GO UP so much?

@DaftInvestor
If you look at the details of my calculations you see the two tiny denominators are different in the two cases. I don't think they are simply using the smallest positive number that they can represent.
by *3!4!/5!
Thu Mar 23, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Why did my fund GO UP so much?
Replies: 33
Views: 2552

Re: Why did my fund GO UP so much?

I thought some of you would enjoy this fund quote: http://i66.tinypic.com/2mfzm1z.jpg That an interesting way for a divide by zero error to be displayed. Except they appear to have divided by 0.00003814697337 38.76/0.00003814697337=1016070.125=1+101606912.5% Where did 0.00003814697337 come from? Pl...
by *3!4!/5!
Thu Mar 23, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 43
Views: 3571

Re: Capital One 360 $200 bonus

I've posted a few times that I seek out new account bonuses. This is the latest one I did. A lot of the bonuses I earn have bill pay, direct deposit, or spending requirements. However this one pays $200 for a 10k deposit, so it's easy to complete. Read the terms. https://www.capitalone.com/bank/str...
by *3!4!/5!
Thu Mar 23, 2017 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing tax-advantaged accounts -- am I getting this right?
Replies: 18
Views: 1213

Re: Maxing tax-advantaged accounts -- am I getting this right?

SS and Medicare get taken out as the very first step, before ANY deductions or contributions. Doesn't matter if you do 401k, IRA, HSA, or other benefits. Medicare tax applies to [Gross minus (medical stuff e.g. medical/dental insurance HSA/FSA etc)] SS tax applies to [Gross minus (some stuff that d...
by *3!4!/5!
Thu Mar 23, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 66
Views: 6578

Re: Citi card Nightmare

Thanks for the feedback. My Citi Cards are on autopay, so I'm not sure if I would have been affected, and I haven't been using these cards recently so there'd be nothing to pay anyway. But it's worth knowing who's unreliable. I've heard Citi has bad computer stuff, but hadn't run into problems mysel...
by *3!4!/5!
Thu Mar 23, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing tax-advantaged accounts -- am I getting this right?
Replies: 18
Views: 1213

Re: Maxing tax-advantaged accounts -- am I getting this right?

SS and Medicare get taken out as the very first step, before ANY deductions or contributions. Doesn't matter if you do 401k, IRA, HSA, or other benefits. Medicare tax applies to [Gross minus (medical stuff e.g. medical/dental insurance HSA/FSA etc)] SS tax applies to [Gross minus (some stuff that d...
by *3!4!/5!
Thu Mar 23, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing tax-advantaged accounts -- am I getting this right?
Replies: 18
Views: 1213

Re: Maxing tax-advantaged accounts -- am I getting this right?

Consider: Retirement Savings Contributions Credit https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-savings-contributions-savers-credit Also, think about whether you should be doing Trad or Roth (or a mix). Roth may be right, but you shouldn't jump to that conclusion without ...
by *3!4!/5!
Thu Mar 23, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Why did my fund GO UP so much?
Replies: 33
Views: 2552

Re: Why did my fund GO UP so much?

That an interesting way for a divide by zero error to be displayed. Except they appear to have divided by 0.00003814697337 38.76/0.00003814697337=1016070.125=1+101606912.5% Where did 0.00003814697337 come from? Playing around, I come up with 0.00003814697337=10*(2^{-18}). Any computer people want t...
by *3!4!/5!
Thu Mar 23, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 66
Views: 6578

Re: Citi card Nightmare

OP, could you say specifically what type of transaction it was that did not go through (i.e. push or pull, auto or manual, etc), or was it that you couldn't get on to initiate a transaction ? This would be helpful to understand what went wrong, and where Citi (or other bank) failed. I'm still wonde...
by *3!4!/5!
Thu Mar 23, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 66
Views: 6578

Re: Citi card Nightmare

OP, could you say specifically what type of transaction it was that did not go through (i.e. push or pull, auto or manual, etc), or was it that you couldn't get on to initiate a transaction? This would be helpful to understand what went wrong, and where Citi (or other bank) failed. I'm still wonder...
by *3!4!/5!
Thu Mar 23, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 109
Views: 10054

Re: Best HSA (2017)

atxeng wrote:now I need to figure out how to cancel and withdraw my $$ from Saturna...[(removed) --admin LadyGeek].

Wow! You actually went through all the rigmarole of moving to Saturna without first understanding the features. I suggest you get better informed about the other HSAs being jumping again.
by *3!4!/5!
Thu Mar 23, 2017 12:42 am
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 94
Views: 11851

Re: What % of your income have you converted to wealth?

This post is interesting -- but it's mostly asking how old you are (i.e., years of compounding, etc.). There's certainly some truth to that. But, firstly in the last twenty years it hasn't been steady exponential growth - there's been two big crashes. Secondly, someone saving 60% of each paycheck i...
by *3!4!/5!
Tue Mar 21, 2017 10:29 pm
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 94
Views: 11851

Re: What % of your income have you converted to wealth?

I like this way of looking at it. This question made my day, thanks OP.

Definitely over 100%. :happy

Have always put at least half of salary towards paying down debt (all gone now), saving, investing.

Not high salary, frugal, 5 figure salary, 7 figure portfolio, LBYM, it can be done. :happy
by *3!4!/5!
Tue Mar 21, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 66
Views: 6578

Re: Citi card Nightmare

OP, could you say specifically what type of transaction it was that did not go through (i.e. push or pull, auto or manual, etc), or was it that you couldn't get on to initiate a transaction? This would be helpful to understand what went wrong, and where Citi (or other bank) failed. I discovered in ...
by *3!4!/5!
Tue Mar 21, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 66
Views: 6578

Re: Citi card Nightmare

OP, could you say specifically what type of transaction it was that did not go through (i.e. push or pull, auto or manual, etc), or was it that you couldn't get on to initiate a transaction? This would be helpful to understand what went wrong, and where Citi (or other bank) failed.
by *3!4!/5!
Mon Mar 20, 2017 4:53 pm
Forum: Investing - Theory, News & General
Topic: the important asset that many fail to consider in portfolio construction/allocation
Replies: 11
Views: 1992

Re: the important asset that many fail to consider in portfolio construction/allocation

Strongly agree with this. Basically:

[Constant asset allocation] minus [human capital (and some other big stuff)] equals [glide path]
by *3!4!/5!
Mon Mar 20, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 6043

Re: Am I Addicted [to contribute to my taxable account]

I found $10 on the floor and sent it directly to vanguard. $10= This Really Obviously Little Lump Also this: I never understood these type of threads. What is the point? I think we all know this is not addiction so I am assuming this is just a selfcongratulatory thread. Great you invest money. Sinc...
by *3!4!/5!
Mon Mar 20, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4473

Re: Fidelity vs. Vangard?

I would just like to state I prefer the Fidelity for the following reasons not mentioned: - Fidelity rewards credit card (2% cash back) - Fidelity checking account features - for the occasional check-writing, ATM withdrawal I need I know the question regarded investing but it's nice to have the abo...
by *3!4!/5!
Mon Mar 20, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10629

Re: Paying $20 to E-File State Return

It can cost more than $20 to e-file a state return. For their online products, TaxAct currently charges $37 to e-file a state return, and TurboTax charges $39.99. As FYI - TurboTax only charged me $24.99 to e-file state. Maybe the $39.99 is the cost if you don't pay for the software or some other p...
by *3!4!/5!
Mon Mar 20, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10629

Re: Paying $20 to E-File State Return

I pay. I want tax paying to be done , finished, buttoned up. If this is the worst way I spend money, then I am happy. +1. I routinely spend $20 on dinner. E-filing through Turbotax or one of its competitors saves me a lot of time. That's at least worth the price of one dinner. Sometimes the things ...
by *3!4!/5!
Sun Mar 19, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10629

Re: Paying $20 to E-File State Return

TaxACT does something sneaky. They say (or said in Jan/Feb) that they don't have all the latest versions of the printable state forms so you cannot print it out and mail it in, though you can efile it for a fee. :oops:
by *3!4!/5!
Sun Mar 19, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 6043

Re: Am I Addicted

Does anyone else find themselves constantly contributing to their taxable account? Besides my 403(b) and Roth IRA, I contribute all "spare" money to my taxable account (total stock market - vtsax). For example - I found $10 on the floor and sent it directly to vanguard. Am I addicted? Any...
by *3!4!/5!
Sun Mar 19, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 130
Views: 31112

Re: my review of my HSA with Saturna brokerage

I would have figured out what I want to invest in first , and then have chosen a suitable HSA. Saturna is most suited to making just one trade per year. What do you mean, the $14.95 trade fee? Wasn't most people's analysis that even w/ that fee, Saturna is way better? No monthly fees, no min. cash ...
by *3!4!/5!
Sun Mar 19, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard bank account authorization for joint brokerage account
Replies: 9
Views: 304

Re: Vanguard bank account authorization for joint brokerage account

Account maintenance --> Bank information --> Add a new bank --> a simple form, then the usual micro-deposit and verify process. Last step takes a couple of days, but then your account is connected. It's an extremely simple straightforward process, and all online. ETA: If the spouses have separate lo...
by *3!4!/5!
Sun Mar 19, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 66
Views: 6578

Re: Citi card Nightmare

Wait? Does the credit card even know what you are purchasing? Or do they just know that you spent $X at store Y on date Z? How do you know what level of information they have? Scroll down about 7 or 8 graffs here for your answers: http://www.npr.org/2015/05/08/403598235/being-a-loyal-auto-insurance...
by *3!4!/5!
Sun Mar 19, 2017 1:32 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 130
Views: 31112

Re: my review of my HSA with Saturna brokerage

So I am in the process of sending over my full HSA over to Saturna (~$25k). Does anyone have recommendations of HSA portfolio strategy? It looks like the entire market is open to Saturna, is that right? Any reco's? I would have figured out what I want to invest in first , and then have chosen a sui...
by *3!4!/5!
Sun Mar 19, 2017 3:15 am
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 6043

Re: Am I Addicted

Does anyone else find themselves constantly contributing to their taxable account? Besides my 403(b) and Roth IRA, I contribute all "spare" money to my taxable account (total stock market - vtsax). For example - I found $10 on the floor and sent it directly to vanguard. Am I addicted? Any...
by *3!4!/5!
Sun Mar 19, 2017 2:47 am
Forum: Investing - Help with Personal Investments
Topic: Australian Temporary Visa and Rebuying Funds to Reduce Future Tax
Replies: 8
Views: 364

Re: Australian Temporary Visa and Rebuying Funds to Reduce Future Tax

Assuming I math correctly, I believe I won't have to pay any US tax on these capital gains, because they will be offset by the large foreign tax credit of my Australian taxes. Sorry, but I am stumped by whatever you are trying to say here. These seem to be two unrelated contributions to your tax. U...
by *3!4!/5!
Sun Mar 19, 2017 2:33 am
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 66
Views: 6578

Re: Citi card Nightmare

I have the original Blue Cash (5% gas and groceries). The only uptick in marketing mail I've noticed is clearly labeled as AmEx related. You will receive AmEx travel, AmEx "wine of the month" club (and similar "luxury" items), AmEx high-yield saving accounts, and other similar o...
by *3!4!/5!
Sat Mar 18, 2017 4:59 am
Forum: Investing - Help with Personal Investments
Topic: Australian Temporary Visa and Rebuying Funds to Reduce Future Tax
Replies: 8
Views: 364

Re: Australian Temporary Visa and Rebuying Funds to Reduce Future Tax

jack1799 wrote:Assuming I math correctly, I believe I won't have to pay any US tax on these capital gains, because they will be offset by the large foreign tax credit of my Australian taxes.
Sorry, but I am stumped by whatever you are trying to say here. These seem to be two unrelated contributions to your tax.
by *3!4!/5!
Sat Mar 18, 2017 2:27 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 16749

Re: Sallie Mae Rewards MC being discontinued

Upromise MasterCard link has gone dead
https://www.upromisemastercard.com/
so it's days are probably numbered for current card holders. (Good riddance, as it often did not pay promised rewards.)
by *3!4!/5!
Fri Mar 17, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4473

Re: Fidelity vs. Vangard?

I would just like to state I prefer the Fidelity for the following reasons not mentioned: - Fidelity rewards credit card (2% cash back) - Fidelity checking account features - for the occasional check-writing, ATM withdrawal I need I know the question regarded investing but it's nice to have the abo...
by *3!4!/5!
Wed Mar 15, 2017 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4473

Re: Fidelity vs. Vangard?

Fidelity has held an edge in service for a long time. MYTH! :oops: That said, there are already a gazillion threads on this. Mods need to merge them. I have had accounts with both for decades. We only have 2 left at Vanguard. The difference in service, availability and knowledge level of personnel ...
by *3!4!/5!
Wed Mar 15, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4473

Re: Fidelity vs. Vangard?

malabargold wrote:Fidelity has held an edge in service for a long time.

MYTH! :oops:

That said, there are already a gazillion threads on this. Mods need to merge them.
by *3!4!/5!
Wed Mar 15, 2017 1:53 am
Forum: Investing - Theory, News & General
Topic: Who has the cheapest funds? It’s more complicated than you think
Replies: 27
Views: 2600

Re: Who has the cheapest funds? It’s more complicated than you think

It's a complicated question because it's the wrong question. Both of them are cheap enough. Huh? Isn't the whole point that these funds can actually be quite different. Even if the ER difference is a basis point or two, other differences can be much bigger, tens of basis points, which over many yea...
by *3!4!/5!
Wed Mar 15, 2017 12:14 am
Forum: Investing - Theory, News & General
Topic: Who has the cheapest funds? It’s more complicated than you think
Replies: 27
Views: 2600

Re: Who has the cheapest funds? It’s more complicated than you think

It's a complicated question because it's the wrong question. Both of them are cheap enough. Huh? Isn't the whole point that these funds can actually be quite different. Even if the ER difference is a basis point or two, other differences can be much bigger, tens of basis points, which over many yea...
by *3!4!/5!
Tue Mar 14, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: VIIIX at 0.02% + fees or Taxable VFIAX at 0.05% (plus taxes)
Replies: 14
Views: 726

Re: VIIIX at 1.02% or Taxable VFIAX at 0.05% (plus taxes)

OP you maybe should edit the title. People are still mistakenly believing there is a 1% fee which there is not.
by *3!4!/5!
Tue Mar 14, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: VIIIX at 0.02% + fees or Taxable VFIAX at 0.05% (plus taxes)
Replies: 14
Views: 726

Re: VIIIX at 1.02% or Taxable VFIAX at 0.05% (plus taxes)

After I received the info on fees and charges, I noticed T. Rowe Price charges an additional 0.2 to 1% per year, making expenses to about 0.22% - 1.02% a year. It is pretty high. What does 0.2 to 1% mean? Is it different for different funds? List all the funds available and their total expense rati...
by *3!4!/5!
Mon Mar 13, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37870

Re: Bank of America/Merrill Edge - Preferred Rewards

Here's a thread from another forum about the mystery of the disappearing Bank Of America online chat.
https://www.flyertalk.com/forum/credit- ... -chat.html
by *3!4!/5!
Mon Mar 13, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37870

Re: Bank of America/Merrill Edge - Preferred Rewards

I haven't seen chat on BoA for several months, and I don't see a secure message option, or even email. I guess phone is an option, but it's difficult when I have to put spouse on phone. Chat is available but not after midnight eastern time, as I recall. No email, which is a real pain. I also hate h...
by *3!4!/5!
Mon Mar 13, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Best non-Vanguard home for my 2016 t-IRA
Replies: 12
Views: 626

Re: Best non-Vanguard home for my 2016 t-IRA

Warning: pointless rant. :evil: I went to a Schwab branch, gave them my passport and driver's license, and was told I had to verify my address. Apparently a copy of my lease does not satisfy this. The utilities will, but those are in my girlfriend's name. A pay stub might work, but their lobby comp...
by *3!4!/5!
Mon Mar 13, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37870

Re: Bank of America/Merrill Edge - Preferred Rewards

Anyone have experience with BoA credit card product changes. What changes are possible, and what is the (simplest) procedure for this? (I know you can't PC to BBR, that's not what I was considering.) Converting between travel and cash rewards cards is easy. Despite the word online, it's still possi...

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