Search found 2422 matches

by Earl Lemongrab
Mon Sep 18, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on moving to VG
Replies: 6
Views: 516

Re: Opinions on moving to VG

Well, I wouldn't. If I were to move out of a qualified plan it would be to somewhere that would give me a cash bonus. That's not Vanguard.
by Earl Lemongrab
Mon Sep 18, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Roth IRA accounts
Replies: 5
Views: 632

Re: Multiple Roth IRA accounts

livesoft wrote:
Sun Sep 17, 2017 9:59 pm
Why not just add to existing Betterment Roth?
I think the other Betterment account is taxable. The "first" Roth would be the one at Vanguard.
by Earl Lemongrab
Mon Sep 18, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: What is realistic ID theft from Equifax
Replies: 2
Views: 632

Re: What is realistic ID theft from Equifax

The most likely fraud with your information is a bogus tax return. Credit card companies are going to be very vigilant for a time until it's really clear what all was stolen. Likewise banks and investment firms will be on the lookout for attempts to use the stolen information to get them to give up ...
by Earl Lemongrab
Mon Sep 18, 2017 7:55 pm
Forum: Investing - Theory, News & General
Topic: If the US dollar fails, are stocks safe?
Replies: 38
Views: 4544

Re: Collapsing dollar

TranceLordSnyder wrote:
Mon Feb 28, 2011 1:12 pm
Interesting info, I never knew this had even occurred.
Then there was this time:

Image

https://xkcd.com/1834/
by Earl Lemongrab
Mon Sep 18, 2017 7:18 pm
Forum: Investing - Theory, News & General
Topic: What am I missing, Bogle/Buffet investment philosophy
Replies: 15
Views: 1257

Re: What am I missing, Bogle/Buffet investment philosophy

I'm not sure why you care what you distill of their philosophies. You should do what you want and not worry about things like that. No one knows the future, so the absolute best approach is an unknown as well. The Buffet approach isn't a bad one. The classic three-fund isn't bad. I think my slice-an...
by Earl Lemongrab
Mon Sep 18, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 47
Views: 2878

Re: What is FI if you love your job? [Financial Independence]

Some of what you post falls into the categories of "strawman arguments" or "false dilemmas". However, the main thing I'd say is that trying to decide how you will like your job in 20+ years is futile. There's a good chance you won't even be doing the same thing. Times change and world goes along. In...
by Earl Lemongrab
Mon Sep 18, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 32
Views: 1790

Re: blood pressure monitor recommendations?

Thank you! Is there a way to determine the right cuff size? Never even knew cuff size existed. How does one determine the best cuff size? The specs usually list a range of arm sizes in circumference. You can then measure yours to see. As Livesoft says, most people will be able to use the normal one.
by Earl Lemongrab
Mon Sep 18, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 533
Views: 80423

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Some have reported success with retention bonuses, I don't recall whether Merrill was one. You can ask. I'd frame it as, "I really like it here, but I saw this offer and it's really tempting. Anything you can do?"
by Earl Lemongrab
Mon Sep 18, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 533
Views: 80423

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Earl posted this Schwab bonus in another thread http://www.schwab.com/public/schwab/nn/ ... d_sps.html Is this a live bonus, or just a zombie link that Schwab forgot to clean up (or more hopefully, a new link that they plan to introduce soon) ? I'm a little wary when offer pages don't include an ex...
by Earl Lemongrab
Mon Sep 18, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 533
Views: 80423

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

It's a bit odd. The original link I had was longer: https://www.merrilledge.com/offers/1000offer?src_cd=sfms17&cm_mmc=gwm-selfdirectedbrokerage-_-vanity-_-g201vn0021_moneyshow-_-na With Firefox, I trimmed the link back a bit and still saw the same page, so I used that. When I launch it in Microsoft ...
by Earl Lemongrab
Sun Sep 17, 2017 2:07 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 533
Views: 80423

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Edit: Changed link, see discussion below . Here's a link for a new $1000 Merrill Edge offer. Note that it says "This limited time offer is valid only for Money Show attendees". They have had similar offers in the past where some people (who had not attended the event) had no trouble signing up onli...
by Earl Lemongrab
Sun Sep 17, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring part of emergency fund into Roth IRA
Replies: 17
Views: 2004

Re: Transferring part of emergency fund into Roth IRA

Why would you do in-plan conversion then roll out the Roth? Just roll the after-tax to Roth in the first place.
by Earl Lemongrab
Sun Sep 17, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Fun reads on estate planning??
Replies: 4
Views: 525

Re: Fun reads on estate planning??

I read the Nolo Press books (I was able to check them out from the public library). The author is Denis Clifford and they are good reads.

https://store.nolo.com/products/wills-t ... ning-books
by Earl Lemongrab
Fri Sep 15, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 533
Views: 80423

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Earl I think you mentioned earlier that you were going to try and get a Scottrade bonus (might be the last opportunity before they merge with Etrade). Did you go ahead with that ? I finally got around to this. Just received confirmation that the promotion as been approved. I need to go through and ...
by Earl Lemongrab
Fri Sep 15, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Having mortgage during retirement. Max retirement saving now
Replies: 19
Views: 1646

Re: Having mortgage during retirement. Max retirement saving now

On the flip side, what if the mortgage interest isn't enough (combined with everything else) to move you out of the standard deduction? ... Even if it is, it's beneficial only to the extent your itemized deductions exceed the standard deduction. That''s not an argument against holding a mortgage; i...
by Earl Lemongrab
Fri Sep 15, 2017 11:43 am
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 81
Views: 5273

Re: Home Page Updated

I am using iOS Do you know how many people use iOS here? According to market share about 33% of people use iOS. I don't know if bogleheads are any different from average. Do you mean 33% of mobile users? If so, I doubt that translates into 33% of people accessing Bogleheads as a lot of them will be...
by Earl Lemongrab
Fri Sep 15, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2319

Re: Can not decide between washing machines

Consumer Reports is a poor resource. Many of their recommended products have poor reliability. A durable good that works great for only 6 to 12 months is worthless to me. I've been burned by CR when the internet would have guided me well. What do you want them to do? If they wait two years to issue...
by Earl Lemongrab
Fri Sep 15, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 32
Views: 1790

Re: blood pressure monitor recommendations?

The Omron 10 is what I have. The doc had me bring it in and she compared its reading to hers. They were close to each other. Also confirmed some Whitecoat syndrome, as it was a good 30 points systolic higher than the reading I took before leaving home. Technically the insurance would have paid for i...
by Earl Lemongrab
Fri Sep 15, 2017 10:29 am
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 81
Views: 5273

Re: Home Page Updated

I am using iOS Do you know how many people use iOS here? According to market share about 33% of people use iOS. I don't know if bogleheads are any different from average. Do you mean 33% of mobile users? If so, I doubt that translates into 33% of people accessing Bogleheads as a lot of them will be...
by Earl Lemongrab
Thu Sep 14, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited 401K - required minimum distributions or lump sum?
Replies: 9
Views: 833

Re: Inherited 401K - required minimum distributions or lump sum?

There is no option to convert an inherited TIRA to Roth. I believe that you can go directly from 401(k) to Roth IRA, taxes due and RMDs still in effect.
by Earl Lemongrab
Thu Sep 14, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Someone set up PayPal account using my email...
Replies: 35
Views: 2486

Re: Someone set up PayPal account using my email...

KyleAAA wrote:
Wed Sep 13, 2017 7:33 pm
Reset the password on them (since you get the emails), then log in and delete the account.
As noted already:
angelbell wrote:
Wed Sep 13, 2017 3:44 pm
As a last resort, I did try to log in and reset the password, but it asks for digits from credit card associated with that account which I don't have.
by Earl Lemongrab
Wed Sep 13, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 274
Views: 29159

Re: Vanguard Customer Service

I'm always skeptical when a poster who has three posts to this board trashes Vanguard customer service. I don't understand. Do you think they came here for fun? It's not like customer service is uniformly lauded other than this poster. How many posts are necessary before you can dare to question Va...
by Earl Lemongrab
Wed Sep 13, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: After Tax contribution roll over to Roth IRA or Employer Roth account
Replies: 6
Views: 625

Re: After Tax contribution roll over to Roth IRA or Employer Roth account

energy2025 wrote:
Wed Sep 13, 2017 8:51 pm
Thanks fellow BHs.

I guess I can leave the gains (roughly $50) in after tax account n only move the principal in Employer Roth 401 K. This should avoid the additional paperwork?
No, you have to move the earnings with it. If you wanted to split, you have to go to IRAs.
by Earl Lemongrab
Wed Sep 13, 2017 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 274
Views: 29159

Re: Vanguard Customer Service

[Big sigh] I don't know why I didn't find this thread when I searched about Vangard, but I just opened a Vanguard Roth IRA account, although I already have one with TDAmeritrade. I was thinking that it won't cost me to buy Vanguard's mutual funds. Not only I encountered several problems just to ope...
by Earl Lemongrab
Wed Sep 13, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 602
Views: 33360

Re: Equifax customer information leak

I think the other two ought to offer free one-time freezes for a while. People are in a panic ready to sign up. Later, when things calm down and they find out that they can't open new credit cards and such, then they can pay to get them unfrozen.
by Earl Lemongrab
Wed Sep 13, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella insurance
Replies: 56
Views: 4695

Re: Turned down for umbrella insurance

One time I was rejected by company I now have for umbrella because of a particular traffic infraction - traffic light violation. Once it fell off the record was able to get it. However i don't think I was eligible for 2 mill. Traffic tickets and driving history do make a difference. This is one of ...
by Earl Lemongrab
Wed Sep 13, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 3764

Re: Electric car in evacuation situation

Point taken. But, I think you take my point also. I'll be in a better mood about this in a while. In the meantime, have at it :D Actually, I don't. Okay, have it your way. Scientist or engineer, meme without basis, whatever. I took your point, you claim not to take mine (of which claim I'm dubious,...
by Earl Lemongrab
Wed Sep 13, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Take Pay cut close to retirement for sanity purposes?
Replies: 17
Views: 1644

Re: Take Pay cut close to retirement for sanity purposes?

I went to part-time (32 hours) a few years ago, so about a 20% cut. I get every Friday off now. It's good, but I'll be wrapping things up here soon to go full retirement.
by Earl Lemongrab
Wed Sep 13, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 3764

Re: Electric car in evacuation situation

TomatoTomahto wrote:
Wed Sep 13, 2017 11:21 am
Point taken. But, I think you take my point also. I'll be in a better mood about this in a while. In the meantime, have at it :D
Actually, I don't.
by Earl Lemongrab
Wed Sep 13, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 274
Views: 29159

Re: Vanguard Customer Service

Another option is to simply transfer Vanguard mutual fund Admiral shares in kind to another provider - -I did that successfully to Fidelity several years ago. I have never tried to make additional purchases, but I still successfully do dividend reinvestment at no cost and my tax lot information suc...
by Earl Lemongrab
Wed Sep 13, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 3764

Re: Electric car in evacuation situation

We should have an emoticon to signify fatigue. So much of this discussion reminds me of engineers telling us, with authority, that bumble bees can't fly, because [hand waving] I have to protest this. While a popular meme (although usually scientists rather than engineers) It Never Happened. This is...
by Earl Lemongrab
Wed Sep 13, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 274
Views: 29159

Re: Vanguard Customer Service

If you're considering Schwab, they have a "new client" bonus offer: http://www.schwab.com/public/schwab/nn/new_assets_client_award_sps.html Fidelity doesn't have anything going currently. Other custodians to consider, especially if you go the ETF route, are Merrill Edge and TD Ameritrade. They both ...
by Earl Lemongrab
Tue Sep 12, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Question
Replies: 5
Views: 468

Re: Roth Conversion Question

I am 55 and still employed.... 1. Can I move money from a work 401A or my 403B to a Roth IRA that is not associated with my employer? Yes, but you will likely have to pay a 10% penalty, in addition to whatever ordinary income tax on the amount moved. E.g., see 403(b) Plan: Distributions . I'm assum...
by Earl Lemongrab
Tue Sep 12, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Question
Replies: 5
Views: 468

Re: Roth Conversion Question

If you mean your pretax contributions to a 401(k) or 403(b) at your current employer (do you actually have both?) then the answer to #1 is NO. It's against the law to do a rollover of those contributions to an IRA at your age. If you were 59-1/2 it would be possible, but would require the plan to al...
by Earl Lemongrab
Tue Sep 12, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate for Early Retirement?
Replies: 41
Views: 3454

Re: Relocate for Early Retirement?

Part of my plans for retirement are to spend more time with family and friends, most of whom are in this area. Moving would be counter-productive. It's also a LCOL area already.
by Earl Lemongrab
Tue Sep 12, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 51
Views: 5345

Re: Equifax - credit freeze is now free?

Honestly, at this point what difference does it make? Ten years from now your sensitive data will still be available and still for sale...20 years from now, same thing....30years from now, same.... so who cares about 30 days of free account freezes...or 90 days, or 120 days.... Again, freezes are f...
by Earl Lemongrab
Tue Sep 12, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 274
Views: 29159

Re: Vanguard Customer Service

The trend has been towards much easier transfers. Several custodians now allow doing the whole thing via web form between major institutions. It's also gotten faster. My last transfers took less than a week.
by Earl Lemongrab
Tue Sep 12, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: After Tax contribution roll over to Roth IRA or Employer Roth account
Replies: 6
Views: 625

Re: After Tax contribution roll over to Roth IRA or Employer Roth account

Generally, rolling to a Roth IRA is the better play due to flexibility (and for people like me the opportunity to generate deposit/transfer bonuses). If you have a lot in earnings (not the case here) then the ability to split the rollover is valuable and not available for the in-plan Roth conversion...
by Earl Lemongrab
Tue Sep 12, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 51
Views: 5345

Re: Equifax - credit freeze is now free?

NYT is reporting Equifax has agreed to free credit freeze for 30 days: https://www.nytimes.com/2017/09/12/your-money/equifax-fee-waiver.html This is a joke, right? What do you mean? That's in-line with what people have been reporting, that they have not been charged for credit freezes at Equifax re...
by Earl Lemongrab
Tue Sep 12, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Help me simplify
Replies: 20
Views: 2133

Re: Help me simplify

I'll look at rolling the Roth 401k into a Roth IRA. I'd love to do that not only from a simplification perspective, but also because Paychex charges a quarterly fee that I hate paying :) Since the 401k is with a current employer, the Roth 401k money cannot be rolled out. Right. Employee deferrals o...
by Earl Lemongrab
Mon Sep 11, 2017 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help me simplify
Replies: 20
Views: 2133

Re: Help me simplify

Even though it's no longer required by law, some plans still enforce only accepting rollovers from rollover IRAs.
by Earl Lemongrab
Mon Sep 11, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: Do ETF's present a systemic risk?
Replies: 71
Views: 4809

Re: Do ETF's present a systemic risk?

But it's only "neater" in the column for initial purchase. Current value and shares will then be fractional. If you buy even amounts, you still have one column with even numbers and the rest not. The main reason why it's annoying is in IRAs, where you end up with some cash you can't use. For me, sin...
by Earl Lemongrab
Mon Sep 11, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 51
Views: 5345

Re: Equifax - credit freeze is now free?

I have a screenshot from the company stating ""You will be forfeiting your right to bring or participate in any class action" I tried to upload a picture of it, but I am not sure how to. From their updated web page on the situation: We’ve added an FAQ to our website to confirm that enrolling in the...
by Earl Lemongrab
Mon Sep 11, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 51
Views: 5345

Re: Equifax - credit freeze is now free?

I froze mine on all 3. In my state it is free, so I am lucky. Also, I would think twice about the "free" credit monitoring they are offering. I read that in the fine print, you are giving up your right to a class action lawsuit (that has already been filed). The company has stated that this is not ...
by Earl Lemongrab
Mon Sep 11, 2017 11:29 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58443

Re: Forum software upgrade bug reports and change requests

If you notice, none of the posts in that thread have them. All of them are from Aug 10 or earlier. I suspect the new feature only applies to replies created after the upgrade. Also, if you edit out the post_id field in the quote tag: [quote="Earl Lemongrab" post_id=3527764 time=1505147045 user_id=5...
by Earl Lemongrab
Mon Sep 11, 2017 11:24 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58443

Re: Forum software upgrade bug reports and change requests

If you notice, none of the posts in that thread have them. All of them are from Aug 10 or earlier. I suspect the new feature only applies to replies created after the upgrade, which was Aug 12.
by Earl Lemongrab
Mon Sep 11, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Guaranteed Fund As E-fund and Bonds?
Replies: 2
Views: 332

Re: Guaranteed Fund As E-fund and Bonds?

The stable-value funds that are administered as part of an insurance company's general fund have a bit more risk than the ones that use a portfolio of synthetic GICs. That being said, the rate there is attractive and I wouldn't hesitate to use it for at least part of fixed-income. I use a 50/50 mix ...
by Earl Lemongrab
Sun Sep 10, 2017 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Help me simplify
Replies: 20
Views: 2133

Re: Help me simplify

I think an 18 year old is still very much a kid and doesn't deserve complete freedom in choosing their major if I'm the one paying for it. If they don't work hard at a meaningful major and get a career they often end up working in dead end jobs. I don't think everyone has to be a doctor or an engin...
by Earl Lemongrab
Sun Sep 10, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help me simplify
Replies: 20
Views: 2133

Re: Help me simplify

If they can't get employed with their degree or graduate degree then they should go to a trade school and not waste money on a useless degree. That's still unwarranted attempts at control. For one thing, you can't see the future. You don't know whether they'll be successful in any particular field....
by Earl Lemongrab
Sun Sep 10, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help me simplify
Replies: 20
Views: 2133

Re: Help me simplify

You can even stipulate what they can major in if they want the gift if you'd like. (Just my idea) I know many parents that paid for their kids college and they majored in something not very valuable or goofed off. I wouldn't try to use money to control my children. Forcing someone into a major or c...