Search found 182 matches

by Ethelred
Mon Jun 26, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Travel to Ireland and, hopefully, to Cambridge, England
Replies: 15
Views: 844

Re: Travel to Ireland and, hopefully, to Cambridge, England

Cambridge doesn't have its own international airport, and it's not a particularly big city. Getting from Dublin to Cambridge is not going to be particularly convenient, especially considering you're only planning to go for a few days. I had a look at what's available from Dublin, and the nearest air...
by Ethelred
Thu Jun 15, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Curious to odd estate question
Replies: 88
Views: 4787

Re: Curious to odd estate question

chinto wrote:Thank you for any assistance you care to afford.


Why do you find it surprising that most here are unwilling to offer help to someone who has chosen to never help others and is going out of their way to ensure they never do so even after death?
by Ethelred
Mon Jun 12, 2017 2:41 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 6895

Re: Poll: Stock Ownership

I agree that the question about employer stock needed an "only" choice. The only individual stock my wife and I own is in our employers. And we usually sell that as soon as it vests. I recognize the point you'd like to make. Full disclosure: The only stock I've ever owned was my employer'...
by Ethelred
Mon Jun 12, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 6895

Re: Poll: Stock Ownership

I agree that the question about employer stock needed an "only" choice. The only individual stock my wife and I own is in our employers. And we usually sell that as soon as it vests.
by Ethelred
Sat Jun 10, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: "Paying" a minor for otherwise uncompensated work
Replies: 37
Views: 2856

Re: "Paying" a minor for otherwise uncompensated work

Spirit Rider wrote:^ Huh???

Indeed. It doesn't even fit the original facts, since getting a W2 requires him to be a paid by the employer as an actual employee, and the OP said in the first post that even if it was possible, it would take too long to arrange.
by Ethelred
Wed Jun 07, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: "Paying" a minor for otherwise uncompensated work
Replies: 37
Views: 2856

Re: "Paying" a minor for otherwise uncompensated work

I don't see any way your father as an individual can pay you on a W-2 for work performed for a third party, especially a government agency. Except for household help, W-2 employment requires a legitimate business/employer to pay Fair Market Wages (FMV) wages for work performed for that business/emp...
by Ethelred
Wed Jun 07, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Resident Alien Expatriating / 401k & VG taxable account - UK/US
Replies: 33
Views: 1967

Re: Resident Alien Expatriating / 401k & VG taxable account

The eight year (or six year and two days) thing only applies to green card 'expatriates'. It is what defines 'long term' when the exit tax talks about "long term permanent residents" (LTPRs). If you take out citizenship and then renounce you are 'in scope' for the exit tax, even if you ha...
by Ethelred
Mon Jun 05, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 338
Views: 58128

Re: Bank of America/Merrill Edge - Preferred Rewards

So just got off the phone with a Preferred Rewards rep. I asked about when I'd be eligible to enroll in the program. I opened a checking account and a Merrill Edge account with enough to be eligible for Platinum Honors on 4/29. Based on reading others' datapoints in this thread, I thought that I mi...
by Ethelred
Wed May 31, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Personal capital flight to non-US$, NOT Political!
Replies: 15
Views: 1533

Re: Personal capital flight to non-US$, NOT Political!

It would be helpful if you gave a link to Brett Arends' column so we can see what he actually says. I can't find the specific column you're referring to. Whether or not you're intending to be political, some of his recent "ROI" columns seem to me to be overtly political. That surprises me...
by Ethelred
Mon May 01, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: buying dining table is hard
Replies: 55
Views: 3452

Re: buying dining table is hard

There are furniture stores in Houston that cover pretty much any furniture style you might want, except perhaps if you want high-end ultra-modern. Try these websites, then visit the places you like: - Ethan Allen - Crate and Barrel - West Elm - Pottery Barn - Star Furniture - Bassett Furniture - Res...
by Ethelred
Fri Apr 28, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 338
Views: 58128

Re: Bank of America/Merrill Edge - Preferred Rewards

This is great, thanks to all three of you for the useful replies. I had similar dates to you. My preferred rewards was activated about a week or two ago. I am fairly sure that the CSR is incorrect about the requirement for the checking account being open for 90 days. Read the contract, I don't belie...
by Ethelred
Fri Apr 28, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 338
Views: 58128

Re: Bank of America/Merrill Edge - Preferred Rewards

Since my sign-up bonus posted a few days ago, I figured I'd update my experience with BoA/ME. This is with the lower amount, since I missed the $1000 offer by a matter of hours. Some dates: 31 Dec ME account application. I am a US permanent resident, so application info says I need to send copy of m...
by Ethelred
Fri Apr 28, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: Is everyone getting notices on Vanguard webcasts?
Replies: 3
Views: 404

Re: Is everyone getting notices on Vanguard webcasts?

Yes, I keep getting them. It seems the only way to unsubscribe from them is to email Vanguard manually, rather than click a link to unsubscribe, which is pretty poor service in 2017.
by Ethelred
Thu Apr 27, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Capital One (on-line) vs Vanguard MM?
Replies: 3
Views: 439

Re: Capital One (on-line) vs Vanguard MM?

Nothing against Vanguard, but if you want to compare apples with apples, the Capital One 360 Money Market account currently pays 1.0% interest on amounts over $10,000. https://www.capitalone.com/online-money-market-account/ There are other online savings accounts around currently paying 1.05%, and a...
by Ethelred
Fri Apr 21, 2017 12:36 pm
Forum: Investing - Theory, News & General
Topic: Excel Solver for Portfolio Rebalancing across Multiple Accounts
Replies: 24
Views: 2778

Re: Excel Solver for Portfolio Rebalancing across Multiple Accounts

Adding $5500 to your Roth is unlikely to trigger your rebalancing bands in most cases. It's just not that important. Agreed. But in most cases the real question is what type of assets to invest these $5500 into in this Roth account. Good rebalancing spreasheet shows you what assets are below the ch...
by Ethelred
Fri Apr 21, 2017 11:55 am
Forum: Investing - Theory, News & General
Topic: Excel Solver for Portfolio Rebalancing across Multiple Accounts
Replies: 24
Views: 2778

Re: Excel Solver for Portfolio Rebalancing across Multiple Accounts

I can see why you might think along these lines, but personally I think it's a waste of time. And that's speaking as someone who manually tracks all our investments on a complicated Google Sheets spreadsheet once a month. I have comments on a few different aspects of this. Firstly, rebalancing is no...
by Ethelred
Sun Apr 16, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: 401K at Fidelity - International SCV and EM Funds/ETF
Replies: 7
Views: 582

Re: 401K at Fidelity - International SCV and EM Funds/ETF

We use FPMAX for emerging markets in my Fidelity 401k, since it's available to trade free of fees. With ER at 0.14%, with a minimum of $10,000, it's the lowest ER EM fund at Fidelity, unless you have $5M plus to afford an institutional fund. Fidelity don't have their own SCV funds, which seems stran...
by Ethelred
Mon Apr 10, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 338
Views: 58128

Re: Bank of America/Merrill Edge - Preferred Rewards

ETFs that invest in international funds? If so, which ones specifically do you mean? VG International ETFs below that have higher expense ratios at ME vs VG. vxus & vwo are only small variances; can look those up yourself. vxus vss <--- the largest difference .17 vs .13 vwo Interesting though v...
by Ethelred
Fri Apr 07, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: HDHP's - Does your employer offer them?
Replies: 47
Views: 1871

Re: HDHP's - Does your employer offer them?

There's some psychology here and most people unfortunately aren't Bogleheads (we can't change that). An HDHP with an HSA sounds great to a middle to high income Boglehead who is already saving 30% or more of income but to the rest of the population people hear "high deductible" and "...
by Ethelred
Thu Apr 06, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Account ready for investing.
Replies: 5
Views: 449

Re: Account ready for investing.

The US has the most complex tax system in the world. I strongly recommend that if you don't live in the US or have US citizenship, you don't invest in mutual funds or ETFs based in the US.
by Ethelred
Thu Apr 06, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Best way of transferring wealth to kids?
Replies: 27
Views: 2632

Re: Best way of transferring wealth to kids?

From a 529 standpoint, you can deposit $14000 per child a year or $28000 a year if you are married. If you want to, you can front load that for 5 years so that is up to $140,000. That's not an actual limit. It's just that contributions above that level start to eat into the lifetime gift tax exclus...
by Ethelred
Thu Apr 06, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 5787

Re: How many financial secrets?

Maybe but some of the replies are about the spouse (usually the wife) who doesn't want to know, is happy to be ignorant and lets the other spouse do whatever he/she likes - and possibly bankrupt the family. You've made my point for me. These are not secrets. There are several recent threads discuss...
by Ethelred
Thu Apr 06, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 5787

Re: How many financial secrets?

This thread confuses me. I know how much some Bogleheads love to talk about their spouse's lack of interest in household investments, but surely a secret is a fact that you choose not to tell someone, not a fact that you offer up but they just don't want to know? An actual secret would be not tellin...
by Ethelred
Thu Apr 06, 2017 7:10 am
Forum: Investing - Help with Personal Investments
Topic: UK Inheritance
Replies: 10
Views: 695

Re: UK Inheritance

The main worry with using them is that you have to wire the foreign currency to their account, and they will then wire your home currency on to your local bank account. This adds a slight concern here of what if they go broke while funds are 'in flight', so best use a reputable and well known forex...
by Ethelred
Thu Apr 06, 2017 6:17 am
Forum: Investing - Help with Personal Investments
Topic: UK Inheritance
Replies: 10
Views: 695

Re: UK Inheritance

Ted you are the resident "go to" on this Forum regarding US-UK investing and residence etc. In terms of moving money between the countries, have you used the likes of Caxton FX? Any issues? Advantages? OP had that as a part of OP's question. Elsewhere, I've seen several different companie...
by Ethelred
Fri Mar 31, 2017 7:51 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 193
Views: 28759

Re: How much international stock? A suggestion.

This topic is raised several times a month, and it always goes round and round, mostly based on pre-conceptions which are often dangerously close to 'confirmation bias' or to 'success bias'. Funny, all Bogleheads know to NOT do that with individual stocks or even sectors (past performance... blah),...
by Ethelred
Wed Mar 29, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: opinions on VNQ? [Vanguard REIT Index]
Replies: 11
Views: 1120

Re: opinions on VNQ?

If my job security depended on the commercial real estate market, there is no way I would invest in REITs. A drop in the market could easily see you lose your job and your investments drop in value at the same time.
by Ethelred
Tue Mar 28, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Best business checking and credit card for sole proprietorship
Replies: 13
Views: 700

Re: Best business checking and credit card for sole proprietorship

It says no monthly fees - and I do have the account and can confirm it. But now when I go back it is showing me your page (now thinking I am from Texas) so I think you are right that it isn't available there and the first time was a quirk in the system. I guess so. If you already have the account, ...
by Ethelred
Tue Mar 28, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Best business checking and credit card for sole proprietorship
Replies: 13
Views: 700

Re: Best business checking and credit card for sole proprietorship

Maryland, but when I use a Texas zip code it still shows me the unlimited checking account. That's just weird. The Unlimited checking account is $35/m, waived with an average balance of $25000 or more. I'm listing the costs for the Basic account. Either you're seeing something like "No fee for...
by Ethelred
Tue Mar 28, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Best business checking and credit card for sole proprietorship
Replies: 13
Views: 700

Re: Best business checking and credit card for sole proprietorship

Really? What do you get at this link: https://www.capitalone.com/small-business-bank/ When I then click on to checking accounts, I get this, exactly as I said https://www.capitalone.com/small-business-bank/checking-accounts/ Monthly Service Fee: $15 monthly service fee $15 monthly fee waived: with ...
by Ethelred
Tue Mar 28, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Best business checking and credit card for sole proprietorship
Replies: 13
Views: 700

Re: Best business checking and credit card for sole proprietorship

Capital One Spark Business Checking account is now free with no minimum. You can also connect it to a Business Savings account with a 1% yield to reduce the impact of cash drag. Thanks. Maybe it is in your state? For Texas it's still listed as $2000 average balance to avoid the fee, unless you take...
by Ethelred
Tue Mar 28, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Best business checking and credit card for sole proprietorship
Replies: 13
Views: 700

Re: Best business checking and credit card for sole proprietorship

I use Chase Total Business, and an Ink Plus Business card (no longer available). I may downgrade this to the Ink Cash card to avoid the annual fee, as we spend nowhere near the limits...but still debating. I find Chase UR points much more valuable than cash back, and I already do my main personal b...
by Ethelred
Mon Mar 27, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable items
Replies: 13
Views: 950

Re: Charitable items

Fake news! Alternative facts! No supporting evidence for the statement made. Thanks for finding it and showing me though. I have seen similar reports elsewhere, though not sure if they were supported either. That said, even if we assume it's true, you have a choice. Either you can give up thousands...
by Ethelred
Mon Mar 27, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable items
Replies: 13
Views: 950

Re: Charitable items

I'm afraid you are confused. Charitable deductions can be made up to 50% of your adjusted gross income (AGI) for most institutions. https://www.irs.gov/charities-non-profits/charitable-organizations/charitable-contribution-deductions That link will also explain how to deduct for non-cash contributio...
by Ethelred
Mon Mar 27, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best business checking and credit card for sole proprietorship
Replies: 13
Views: 700

Best business checking and credit card for sole proprietorship

My wife is in the process of setting up an LLC sole proprietorship run from home, and we want to set up a business checking account and credit card. Do any of you have recommendations for this? We will have something like 50 transactions per month, with most purchases and sales by credit card. We're...
by Ethelred
Sat Mar 25, 2017 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about opening an account with Merrill Edge
Replies: 21
Views: 2435

Re: Thinking about opening an account with Merrill Edge

We are aiming to take advantage of Preferred Rewards, but for us it's relatively easy. If I had to move that number of different accounts to Merrill Edge to get it, and I would still only be getting the platinum level, not platinum honors, I really wouldn't bother.
by Ethelred
Sat Mar 25, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard etf`s for small cap value asset class internationally
Replies: 3
Views: 391

Re: Vanguard etf`s for small cap value asset class internationally

Do a search for "international small cap value" in the box at the top right. Here are some links: https://www.bogleheads.org/forum/viewtopic.php?t=206852 https://www.bogleheads.org/forum/viewtopic.php?t=208707 There are no choices that actually fill that requirement with low expense ratios...
by Ethelred
Fri Mar 24, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: HSA questions
Replies: 4
Views: 343

Re: HSA questions

sgadlin wrote:We are expecting our first child in a month or so.

I am hopeful after a few years our medical expences will be minimal and we can really save more.


I have three children. They may be mostly healthy, but these two statements do not belong in the same post.
by Ethelred
Fri Mar 24, 2017 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Need Newbie Advice for Large Sum - US or Europe?
Replies: 17
Views: 1887

Re: Need Newbie Advice for Large Sum - US or Europe?

If I was not already resident in the US, there is no way I'd subject myself to taxation by the most complex tax system in the World by investing there. So yes, even if you choose to invest in US indices, do so using ETFs or mutual funds located in Europe. Something similar may be available in Canada...
by Ethelred
Thu Mar 23, 2017 6:28 am
Forum: Personal Finance (Not Investing)
Topic: S corp - 401K plan - profit sharing
Replies: 130
Views: 4552

Re: S corp - 401K plan - profit sharing

1. Agree on the $15k if they have $50m under management at 0.03% AUM. HOWEVER, their website states "No AUM Fees." 2. Websites states $8/m per employee, $40/m min per company, so even companies with fewer than 5 employees pay the $40/m. Even if they only have 1,000 companies, that works o...
by Ethelred
Tue Mar 21, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Guidance
Replies: 7
Views: 846

Re: HSA Investment Guidance

Remember your asset allocation can be spread across all your accounts. Use the TD brokerage to buy one ETF that's part of your allocation, and then just buy correspondingly less of that asset in your other accounts.
by Ethelred
Tue Mar 21, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Plans in a New Small Business
Replies: 6
Views: 478

Re: Retirement Plans in a New Small Business

Having looked into this a bit recently, on threads on this forum and elsewhere, there are several options for solo 401ks. None of these options offer everything you might want, but unless you want every option you'll probably find something to fit your needs. The main low-cost providers are: - Vangu...
by Ethelred
Tue Mar 21, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: S corp - 401K plan - profit sharing
Replies: 130
Views: 4552

Re: S corp - 401K plan - profit sharing

As an extra reply - I just checked the TRP website. Their Individual 401k says "No annual employer fees or set-up cost." , while their Small Business 401k says "Small Business 401(k) fees vary by plan". If you (or you and your spouse) are the only employee, there are several supp...
by Ethelred
Tue Mar 21, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: S corp - 401K plan - profit sharing
Replies: 130
Views: 4552

Re: S corp - 401K plan - profit sharing

Id love to know what you find out with T Rowe Price. I've had funds in my IRA with them before and it's an excellent company. If all I need is low cost index funds, they could be a great choice, especially if they are not charging any fees. I'm not sure I'd class their index funds as "low cost...
by Ethelred
Tue Mar 21, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: S corp - 401K plan - profit sharing
Replies: 130
Views: 4552

Re: S corp - 401K plan - profit sharing

"My contact at Guideline.com emailed me the detailed fee https://my.guideline.com/agreements/annual_disclosures#plan-fees-and-expenses-404a-5-disclosure One example only - in this doc provided above look up Vanguard Small cap equity (VSTCX) and compare to the VG site info... https://personal.v...
by Ethelred
Mon Mar 20, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: I thought I knew my desired AA
Replies: 76
Views: 3799

Re: I thought I knew my desired AA

When I went through this process last year, it turned out the biggest question was actually, "What asset allocation is within my wife's comfort level?" As a result, our AA is 70/30 with an emergency / large purchases fund that is probably double what I would have chosen.
by Ethelred
Mon Mar 20, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: S corp - 401K plan - profit sharing
Replies: 130
Views: 4552

Re: S corp - 401K plan - profit sharing

I believe that $50M at 0.0003 is $15,000. $40 X 1,000 = $40,000 You are both business folks - what do you think about this business's profit and future if these are the only fees? Since being in business for myself I have watched for high costs on many places but have learned that too low costs are...
by Ethelred
Mon Mar 20, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Valuing Oil Well (Mineral Rights) Investments
Replies: 9
Views: 847

Re: Valuing Oil Well (Mineral Rights) Investments

I wonder how well some of the suggestions here will work. It would be easy for anyone who knows even the basics of the oil business in the onshore US to see the state and county listed, and get an idea of which basin it's located in. Unfortunately, there are empty spaces on the form in the photo whe...
by Ethelred
Mon Mar 20, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Wife going back to school. What financial steps should I take?
Replies: 23
Views: 1319

Re: Wife going back to school. What financial steps should I take?

Three years is a long time, and PhDs can often end up taking longer than planned. You don't say what job you do. Unless you have a particularly good deal where you are, consider looking for something in, or closer to, the city where she will be studying. On education expenses: I was looking into thi...
by Ethelred
Fri Mar 17, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Merrill Lynch- can't change investment direction! Glitch?
Replies: 4
Views: 398

Re: Merrill Lynch- can't change investment direction! Glitch?

Merrill Lynch are still living in the 20th century. Both in terms of technology and investments. My employer's 401k is with Fidelity, and is very good, but the stock and options awards moved from Schwab to Merrill Lynch about three years ago. The user experience with Merrill Lynch is worse in every ...

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