Search found 125 matches

by AllenSmith
Fri Apr 21, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard "Personal Performance"; those with accounts >10 years
Replies: 6
Views: 709

Re: Vanguard "Personal Performance"; those with accounts >10 years

That seems lame -- its not that much more data to keep on hand, is it?
by AllenSmith
Fri Apr 21, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard "Personal Performance"; those with accounts >10 years
Replies: 6
Views: 709

Vanguard "Personal Performance"; those with accounts >10 years

I think my Vanguard account is now slightly over 10 years old.

I believe I could always see the Personal Returns in table form since the inception of my account, but now that I am >10 years, I can only see the last 10 years.

Do other longtime account holders have the same issue?
by AllenSmith
Sun Mar 12, 2017 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: US Treasuries interest > CD interest = no brainer?
Replies: 7
Views: 861

Re: US Treasuries interest > CD interest = no brainer?

chicagobear wrote:Goldman Sachs Bank pays 1.05% in an FDIC insured savings account.


and capitalone360 pays 1.00% too for MM accounts
by AllenSmith
Fri Mar 10, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 104
Views: 6622

Re: What to do with all these passwords ?

I use Dashlane (another lastpass competitor). I like it.
by AllenSmith
Sun Feb 19, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Retire in my 30s?!
Replies: 34
Views: 5929

Re: Retire in my 30s?!

What is the business?
by AllenSmith
Sun Feb 19, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: 1.3 million dollars in debt
Replies: 36
Views: 8442

Re: 1.3 million dollars in debt

What type of practice did you buy into?
by AllenSmith
Fri Feb 17, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: FSA: leaving job mid-year, can employer come after me for contributions?
Replies: 13
Views: 1194

Re: FSA: leaving job mid-year, can employer come after me for contributions?

If they do (and even if they don't), you should re-pay the funds.
by AllenSmith
Fri Feb 17, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Private home sale (without agents): Where to start with price?
Replies: 34
Views: 1899

Re: Private home sale (without agents): Where to start with price?

Redfin estimate is almost 16% higher than the Zillow estimate for my house!
by AllenSmith
Fri Feb 17, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Really Vanguard? 48 Cents?!
Replies: 40
Views: 4844

Re: Really Vanguard? 48 Cents?!

i cant believe i read this thread. its 48cents, who cares?
by AllenSmith
Fri Feb 17, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 4401

Re: Vanguard Web Site Down?

I'm fine with the website crashing twice per year to pay rock-bottom fees. Not such a big deal
by AllenSmith
Wed Feb 01, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: AAPL: Too much of a good thing?
Replies: 15
Views: 978

Re: AAPL: Too much of a good thing?

Congrats - you killed it on that investment. Selling is fine if you want to lighten up...you're always going to have to pay the tax (eventually)
by AllenSmith
Wed Oct 12, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Back Door Roth Questions
Replies: 15
Views: 1053

Re: Back Door Roth Questions

You're going to be capped at $5,500 per year
by AllenSmith
Sat Sep 24, 2016 9:08 am
Forum: Personal Finance (Not Investing)
Topic: How Much House Can I Afford (HCOL edition)
Replies: 21
Views: 2502

Re: How Much House Can I Afford (HCOL edition)

What does your spouse do?
by AllenSmith
Wed Sep 21, 2016 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Do I qualify for the Chase Sapphire Plus sign-on bonus?
Replies: 25
Views: 2442

Re: Do I qualify for the Chase Sapphire Plus sign-on bonus?

I just applied for Chase Sapphire Reserve. Says it takes 30 days to get a decision. Anyone else get that long of a wait time?
by AllenSmith
Mon Sep 19, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: How I circumvented Chase's 5/24 rule
Replies: 38
Views: 6218

Re: How I circumvented Chase's 5/24 rule

Is there an easy way to find out how many Credit Cards you have opened in last 2 years?
by AllenSmith
Sun Aug 28, 2016 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 24666

Re: $50M+ - Need a sounding board/advice

What type of company did you sell? Can you tell some of that story?
by AllenSmith
Sun Jul 31, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: PA529 - College Saving Plan
Replies: 12
Views: 913

Re: PA529 - College Saving Plan

Thank you all for sharing the info. gnosis, I just realized the "SAGE" feature of PA529. Seems like if one earns 20,000 SAGE tuition reward points then $20,000 will be the discount he/she will receive. Pretty nice! Do you know this feature is available with Vanguard 529 Nevada? Now It bec...
by AllenSmith
Sun Jul 24, 2016 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Rate Our Monthly Budget
Replies: 13
Views: 1774

Re: Rate Our Monthly Budget

Do you guys think the $600 food budget is within a good range? We are already over by about $50 on the food. I don't know if we need to just be more careful or if $600 is low. For some reason, I see it as high. You'd assume $100/week for groceries and then $200 for nice dinners/fast food every now ...
by AllenSmith
Sun Jul 24, 2016 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Rate Our Monthly Budget
Replies: 13
Views: 1774

Re: Rate Our Monthly Budget

Looks really good!
by AllenSmith
Sun Jul 24, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Early retirees, at what age did you "retire"? Is it working out?
Replies: 63
Views: 10381

Re: Early retirees, at what age did you "retire"? Is it working out?

Retired at 49 in 2012 (now 53) in HCOL (NYC) area. Wife and I both had mega corp careers, accumulating savings of ~50x annual household expenses / taxes. Withdrawal rate in retirement is around 2% until our DB pensions commence at age 60. Our son starts college next month. No desire to return to pa...
by AllenSmith
Mon Jul 11, 2016 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: What is your taxable account investing strategy?
Replies: 29
Views: 3491

Re: What is your taxable account investing strategy?

My strategy is to pay off all debts, including mortgage debt, before investing in accounts that are not tax advantaged. You realize you are paying 3.5% on your mortgage, minus a tax deduction....call it 2.75%. Do you expect equities to return less than 2.75% over the life of your remaining mortgage...
by AllenSmith
Sat Jul 09, 2016 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 333
Views: 24181

Re: Picking College and College Scholarships

http://news.bitofnews.com/malcom-gladwells-mindblowing-theory-on-why-its-better-to-be-a-big-fish-in-a-small-pond/ OP, You may want to read the above article too. Aka, MIT / Stanford may not be good for you kid. KlangFool Thank you. I'll check it. Both my boy and I have read David and Goliath. We ta...
by AllenSmith
Wed Jul 06, 2016 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: No Company Match Until 1 Year of Service?
Replies: 30
Views: 3205

Re: No Company Match Until 1 Year of Service?

You cannot even contribute to the 401(k) at my old employer until after 12 months of service.
by AllenSmith
Sun Jul 03, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Money or Fulfillment [quit unsatisfactory job]?
Replies: 27
Views: 3349

Re: Money or Fulfillment [quit unsatisfactory job]?

Quick update, I've been off Bogleheads for quite some time. I did end up leaving my decently paying, yet soul-sucking job about a year ago. I took a risk and jumped into a 30% pay cut at a non-profit, but my commute was also cut by about 90%. 6 months after starting I negotiated a raise that brough...
by AllenSmith
Fri Jul 01, 2016 12:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Abuss368 has 10,000 posts!!
Replies: 29
Views: 2337

Re: Abuss368 has 10,000 posts!!

congrats
by AllenSmith
Mon Jun 27, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: American Express Preferred fee [Blue Cash Preferred fee raised]
Replies: 19
Views: 1828

Re: American Express Preferred feeble

The random "amex offers" are super valuable too it seems. Have you taken advantage of those offer as well. For example, I have a 10% off my cell phone bill (up to $30) right now through June 30th. I just prepaid $300 to my cell phone. Not bad. Just looked at my Amex offers and do not see ...
by AllenSmith
Sun Jun 26, 2016 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Using Alternative Valuation to Further Step-Up Basis
Replies: 9
Views: 938

Re: Using Alternative Valuation to Further Step-Up Basis

I've had my accountant look into this issue. I believe (as he, and the estate lawyer have spoken several times on the matter) that the Alternate Valuation Date (AVD) can only be used to reduce taxes, if the estate value has dropped after the date of death. If for example, your entire portfolio is $...
by AllenSmith
Sun Jun 26, 2016 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: American Express Preferred fee [Blue Cash Preferred fee raised]
Replies: 19
Views: 1828

Re: American Express Preferred feeble

The random "amex offers" are super valuable too it seems. Have you taken advantage of those offer as well. For example, I have a 10% off my cell phone bill (up to $30) right now through June 30th. I just prepaid $300 to my cell phone. Not bad. Just looked at my Amex offers and do not see ...
by AllenSmith
Sun Jun 26, 2016 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Using Alternative Valuation to Further Step-Up Basis
Replies: 9
Views: 938

Re: Using Alternative Valuation to Further Step-Up Basis

I've had my accountant look into this issue. I believe (as he, and the estate lawyer have spoken several times on the matter) that the Alternate Valuation Date (AVD) can only be used to reduce taxes, if the estate value has dropped after the date of death. If for example, your entire portfolio is $1...
by AllenSmith
Sun Jun 26, 2016 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: American Express Preferred fee [Blue Cash Preferred fee raised]
Replies: 19
Views: 1828

Re: American Express Preferred fee

No way I'm dropping mine... with 2 kids we spend enough on groceries each year it almost makes sense for us to get two of these cards (one in my name and one in the mrs.) If anybody has 2+ kids and finds its not worth it, please please please share your grocery bargain secrets! We have two cards on...
by AllenSmith
Sun Jun 26, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: American Express Preferred fee [Blue Cash Preferred fee raised]
Replies: 19
Views: 1828

Re: American Express Preferred fee

No way I'm dropping mine... with 2 kids we spend enough on groceries each year it almost makes sense for us to get two of these cards (one in my name and one in the mrs.) If anybody has 2+ kids and finds its not worth it, please please please share your grocery bargain secrets! We have two cards on...
by AllenSmith
Sun Jun 26, 2016 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do any of you guys use Learnvest?
Replies: 4
Views: 480

Re: Do any of you guys use Learnvest?

have you used the free stuff for a while?
by AllenSmith
Sun Jun 26, 2016 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: American Express Preferred fee [Blue Cash Preferred fee raised]
Replies: 19
Views: 1828

Re: American Express Preferred fee

The random "amex offers" are super valuable too it seems. Have you taken advantage of those offer as well.

For example, I have a 10% off my cell phone bill (up to $30) right now through June 30th. I just prepaid $300 to my cell phone. Not bad.
by AllenSmith
Sun Jun 26, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do any of you guys use Learnvest?
Replies: 4
Views: 480

Re: Do any of you guys use Learnvest?

I've used it for 3+ years now. I only use it to connect all my accounts and keep a budget. For that, it is fantastic. I don't use any of the paid services, are you contemplating using the paid services? If so, which service?
by AllenSmith
Thu Apr 14, 2016 2:43 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Verizon Wireless
Replies: 47
Views: 5022

Re: Alternatives to Verizon Wireless

Hmm - sounds interesting. Never heard of Project Fi before
by AllenSmith
Thu Apr 14, 2016 8:31 am
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 85
Views: 35977

Re: How to use Vanguard Portfolio Watch for rebalancing

livesoft wrote:Thanks for chatting with the Vanguard rep. The answer is consistent with what has been posted in this thread.


agreed, +1
by AllenSmith
Sat Apr 09, 2016 11:18 am
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 85
Views: 35977

Re: How to use Vanguard Portfolio Watch for rebalancing

I think it is agreed that Vanguard''s PW has its faults. Vanguard and Morningstar don't even agree on their definitions of cap size. Look at VG Capital Opportunity, VG says mid cap growth, M* says large cap growth. For rebalancing purposes, I trust PW for stock to bond percentages but even that dif...
by AllenSmith
Fri Apr 08, 2016 10:09 am
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 85
Views: 35977

Re: How to use Vanguard Portfolio Watch for rebalancing

Something else that seems off is that 4 of the M* style boxes in PW,are empty even though most of my holdings are in total stock mkt. What's up with that? Not using PW anymore, but I believe it just reports what the fund is classified as without analyzing it. So if a total market fund is classified...
by AllenSmith
Mon Apr 04, 2016 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Odd math done by H&R Block
Replies: 15
Views: 2072

Re: Odd math done by H&R Block

You're probably right. It's just my number OCD. On the other hand, I will game the system, making just enough of a deductible IRA contribution to drop me into the top of the previous tax interval -- $38.50 in this year (rounded up to $39).[/quote] I imagine no one will care if you "game" t...
by AllenSmith
Sun Mar 27, 2016 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Term Insurance Questions
Replies: 6
Views: 652

Re: Term Insurance Questions

I ran your numbers in the calculator here - http://www.terminsurancebrokers.com/instant-quote/life-insurance-quote A 10-year level term policy for a healthy male born in 1960 (roughly equivalent to the one you have now, since it has about 10 years left) runs around $1200/yr. So that price is about ...
by AllenSmith
Thu Mar 10, 2016 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Brother undercharged himself as family trustee
Replies: 26
Views: 3731

Re: Brother undercharged himself as family trustee

New Zealand trip is a great idea. Definitely do that. That will not be regretted.
by AllenSmith
Sun Feb 28, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Making Optional Principal Payments on Primary Residence
Replies: 15
Views: 1307

Re: Making Optional Principal Payments on Primary Residence

How many years' worth of income do you have in an emergency fund + other easily accessed accounts? If you call my monthly expenses (including regular P+I payment) "x" I have 40x in cash I have 33x invested in taxable accounts (I can easily access 20x) I have 24x in Retirement accounts Obv...
by AllenSmith
Sun Feb 28, 2016 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Making Optional Principal Payments on Primary Residence
Replies: 15
Views: 1307

Re: Making Optional Principal Payments on Primary Residence

tainted-meat wrote:At current interest rates, I'd keep the leverage on a home loan especially in a non-recourse state.


I am in a recourse state
by AllenSmith
Sun Feb 28, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Making Optional Principal Payments on Primary Residence
Replies: 15
Views: 1307

Re: Making Optional Principal Payments on Primary Residence

Past discussions show that people do what they want to. Some people like peace of mind. Some people like piece of mind. Some people like the extra money from investing. If you lose your job, then it is always easier to make mortgage payments by withdrawing money from a total stock market index fund...
by AllenSmith
Sun Feb 28, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Making Optional Principal Payments on Primary Residence
Replies: 15
Views: 1307

Making Optional Principal Payments on Primary Residence

Curious as to the BH community's thoughts Age: Early 30s Currently in ~25% federal tax bracket Occupation: work in corporate finance Investing: I max my 401(k) and roth annually Own a house and have been making minimum payments (P+I) for 3+ years 30-year Mortgage rate is under 3.5% With tax deduct-a...
by AllenSmith
Sat Jan 30, 2016 9:40 am
Forum: Personal Finance (Not Investing)
Topic: I got let go yesterday
Replies: 45
Views: 10345

Re: I got let go yesterday

Don't be too hard on yourself, you'll be ok. Good luck
by AllenSmith
Sat Jan 23, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 4548

Re: What 55" TV to Buy

Avoid Sharp - they are being acquired. LG, Samsung, Sony are top 3 (in no particular order)

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