Search found 443 matches

by Nate79
Wed Mar 29, 2017 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Strategies to put 401k out of stock market
Replies: 5
Views: 317

Re: Strategies to put 401k out of stock market

If you are scared then your asset allocation is wrong.
by Nate79
Tue Mar 28, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Our Risky 401K
Replies: 19
Views: 1405

Re: Our Risky 401K

Yes you should be worried. Have you heard of the little fiasco called Enron?
by Nate79
Tue Mar 28, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Should we take 0.9% auto financing?
Replies: 27
Views: 1664

Re: Should we take 0.9% auto financing?

Do you finance your furniture and televisions? Also, if you finance the car, are you actually going to invest the remaining money ? If not, then obviously but it in cash. Generally speaking, it is a bad idea to finance your consumer goods in order to invest. :beer Generally speaking says who? Why s...
by Nate79
Tue Mar 28, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Should we take 0.9% auto financing?
Replies: 27
Views: 1664

Re: Should we take 0.9% auto financing?

Beating 0.9% guaranteed is easy. I would not pay cash for what I can beat with CD's.
by Nate79
Mon Mar 27, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 85
Views: 6572

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

Dear EJ salesman,
Stay off my lawn and don't come back.
Regards,
Boglehead index investor.
by Nate79
Mon Mar 27, 2017 4:09 pm
Forum: Investing - Theory, News & General
Topic: Forbes article: "An S&P 500 Index Fund -- Is It A Good Investment?"
Replies: 15
Views: 2263

Re: Forbes article: "An S&P 500 Index Fund -- Is It A Good Investment?"

The conclusion of the article: In the final analysis, the S&P 500 index is a reasonable approach to investing. It offers diversity and low cost. The key is recognizing that the index, like any investment, will go through periods of no returns or even losses. If you are prepared to hold the inves...
by Nate79
Mon Mar 27, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 41
Views: 2622

Re: Geico insurance rate increase: 26.24% APY?

Insurance rates are raised all the time. Call around and see if you can get a better price. Your rate went up 12% in 6 months. Sounds pretty normal. Not sure what calculating some APY value adds to the discussion.
by Nate79
Sun Mar 26, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital billing nightmare
Replies: 20
Views: 1357

Re: Hospital billing nightmare

Confirm with your insurance whether you need to file a claim when you made the pre-payment. My insurance documents hint that this is the case.
by Nate79
Sun Mar 26, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Free/Cheap Sports Channels
Replies: 16
Views: 1199

Re: Free/Cheap Sports Channels

The NFL app is nice. As a subscriber I was able to stream any game this year a few hrs after the game was over. Allowed me to watch my favorite team every week. The only issue is no live games.
by Nate79
Sun Mar 26, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about Vanguard Prime Money Market Fund
Replies: 6
Views: 599

Re: Confused about Vanguard Prime Money Market Fund

Dividend distrubtions. These are posted on the Vanguard distribution page of the fund.
by Nate79
Sun Mar 26, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Clearing customs in Seattle
Replies: 20
Views: 1436

Re: Clearing customs in Seattle

Carry on only or checked luggage? I recently went from Seoul to the US and went thru Seattle. I used the mobile passport app. Literally there was no one in the mobile app line and it took me <5 min to pass thru immigration. I do carry on only so another <5min to walk thru customs. Then maybe 15min t...
by Nate79
Sun Mar 26, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401K
Replies: 2
Views: 176

Re: Roth 401K

Roll the Roth 401k to a Roth IRA. Problem solved.
by Nate79
Sun Mar 26, 2017 12:32 am
Forum: Investing - Help with Personal Investments
Topic: How to tell if an Index Fund is a sample set OR tracks all stocks?
Replies: 7
Views: 563

Re: How to tell if an Index Fund is a sample set OR tracks all stocks?

If you look at the fund details they are very clear on what they do and don't do.
by Nate79
Sat Mar 25, 2017 11:57 pm
Forum: Personal Consumer Issues
Topic: whole house water filter --your thoughts?
Replies: 26
Views: 1875

Re: whole house water filter --your thoughts?

I don't know the current water softener technology today, but I recall that (years ago) water softeners greatly increased the sodium (salt) content of water. Depends on the initial hardness. Not much according to Mayo Clinic. Actually, I believe the article is incorrect when it states "Some wa...
by Nate79
Sat Mar 25, 2017 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about opening an account with Merrill Edge
Replies: 17
Views: 1425

Re: Thinking about opening an account with Merrill Edge

You should definitely consolidate your accounts, but I wouldn't consolidate to a potentially high cost broker. Did you check the Merrill Lynch fees (mutual fund & general fees)? I have my financial accounts with a local credit union, Vanguard, & my 401k (Fidelity) at work. When I leave my j...
by Nate79
Sat Mar 25, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about opening an account with Merrill Edge
Replies: 17
Views: 1425

Re: Thinking about opening an account with Merrill Edge

How many of those accounts have closing fees?
by Nate79
Sat Mar 25, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Are Bogleheads in the minority on the use of investment advisors?
Replies: 86
Views: 4999

Re: Are Bogleheads in the minority on the use of investment advisors?

The financial industry and the media has certain Ed confused people such that they think they need a guy to help them invest. Investing is so simple. A single target date fund available from any of the major brokerages would be just fine for almost all people.
by Nate79
Fri Mar 24, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Need help with info about Portland
Replies: 14
Views: 940

Re: Need help with info about Portland

Lunch at Timberline Lodge on Mt Hood is always enjoyable and a beautiful view.
by Nate79
Fri Mar 24, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 58
Views: 5066

Re: Capital One 360 $200 bonus

Tried to sign up today but got an error. Had to call and I had forgotten that I had an ING savings account long ago. Closed it something like 10+ years ago and long forgotten. Nope, can't get the $200 bonus. Oh well.
by Nate79
Fri Mar 24, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: The Sweet Spot for Yearly Car Costs
Replies: 54
Views: 3571

Re: The Sweet Spot for Yearly Car Costs

I am wondering what the Bogleheads think is the sweet spot for the yearly cost of having an automobile. In my experience, I think around $3000 per year is the sweet spot, and I will submit the 2017 Toyota Camry as the gold standard. Reliable, comfortable transportation. This car is available as a 3...
by Nate79
Fri Mar 24, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help me avoid a wash sale
Replies: 12
Views: 462

Re: Help me avoid a wash sale

Currently wash sales include taxable accounts and IRA's. Wash sales do not include 401k's. I think there are at least a couple of active threads on this topic right now.
by Nate79
Fri Mar 24, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 117
Views: 12015

Re: So someone drained $13k from my checking account...

Some prudent things to not use a debit card and keeping money in different accounts or even different banks is what we do. But all the other stuff is just a waste of time. If it helps you sleep at night sure but it likely won't significantly prevent fraud.
by Nate79
Thu Mar 23, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Reimburse Medical Expenses in "Arrears" with HSA?
Replies: 25
Views: 1085

Re: Reimburse Medical Expenses in "Arrears" with HSA?

@SpiritRider - I think I understand the triple tax benefit of a HSA (reduced taxable wages thus reduced federal income taxes, Social Security taxes, and Medicare taxes, tax-free growth while in the HSA, and tax-free distributions if for medical purposes). But even after the age of 65, withdrawals f...
by Nate79
Thu Mar 23, 2017 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting with Automated Contributions (401k, HSA, Etc) Logistics
Replies: 20
Views: 911

Re: Tax Loss Harvesting with Automated Contributions (401k, HSA, Etc) Logistics

This has been posted frequently. There is nothing in the IRS regulations regarding 401(k), 529, or HSA holdings being involved with wash sales. Only IRAs are mentioned, along with spousal accounts. Understood... just not sure what the penalty is outside of a wash sale if one wants to follow the let...
by Nate79
Thu Mar 23, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: ?? purchasing grocery store cards to maximize cc rewards
Replies: 6
Views: 555

Re: ?? purchasing grocery store cards to maximize cc rewards

I do this all the time to try to maximize the category spending. Did the same with Costco cash cards to maximize the warehouse category last year.
by Nate79
Thu Mar 23, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: I open an out-of-state 529 plan. Was I stupid?
Replies: 12
Views: 623

Re: I open an out-of-state 529 plan. Was I stupid?

This previous thread might be of interest to you, especially concerning tax deduction for rollover from out of state plan to the NY plan as well as clawback of tax deduction if you transfer out of the NY plan.

viewtopic.php?t=206613
by Nate79
Wed Mar 22, 2017 7:38 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 7179

Re: The $1,124.176 Car.

Bogleheads: One of the easiest ways to save money is buying an inexpensive car. I'll explain: The automobile industry spends billions of dollars each year (General Motors alone spends over $3.4 Billion annually) in their marketing attempts to sell us more car than we need. We forget that a car is p...
by Nate79
Tue Mar 21, 2017 11:38 pm
Forum: Investing - Theory, News & General
Topic: Why buying the falling funds don’t work?
Replies: 7
Views: 1054

Re: Why buying the falling funds don’t work?

Assuming in my Roth IRA account, I pick two mutual funds with less correlation and similar risk/return, such as Developed Markets Index (VTMGX) and REIT Index (VGSLX). On the day when one fund (say Developed Markets) fall 1% more than the other one (say REIT), sell REIT and buy Developed Markets (a...
by Nate79
Mon Mar 20, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Date in both 401k and IRA/taxable---any issue?
Replies: 6
Views: 444

Re: Vanguard Target Date in both 401k and IRA/taxable---any issue?

A few issues. The taxable account and the IRA can cause wash sales if holding the same fund in each. Target date funds are not tax efficient in taxable accounts so not the ideal choice. The wash sale only applies if one is TLH though, correct? Yes, with some planning the wash sale issue could be de...
by Nate79
Mon Mar 20, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Date in both 401k and IRA/taxable---any issue?
Replies: 6
Views: 444

Re: Vanguard Target Date in both 401k and IRA/taxable---any issue?

A few issues.

The taxable account and the IRA can cause wash sales if holding the same fund in each.

Target date funds are not tax efficient in taxable accounts so not the ideal choice.
by Nate79
Sun Mar 19, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Getting company to change 401k custodian
Replies: 15
Views: 688

Re: Getting company to change 401k custodian

Has anyone on here ever been successful getting HR to change the companies 401k custodian over fees. I am composing a letter and adding some excel spread sheets and an article from brightscope and investopiedia to augment my case a bit. Any advice? Thanks How many quotes from different 401k provide...
by Nate79
Sun Mar 12, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 16778

Re: gratuitous homeownership items

More space than we really need. Surely could have bought a smaller house and it would have been fine.
by Nate79
Sun Mar 12, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Are you concerned that your bankers do not use 2 factor authenication?
Replies: 6
Views: 579

Re: Are you concerned that your bankers do not use 2 factor authenication?

I think you are making a judgement about the bank without having any actual information about how their networks are setup.
by Nate79
Sun Mar 12, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: When should you replace a vehicle?
Replies: 52
Views: 3864

Re: When should you replace a vehicle?

Life is short. You have certainly gotten your money's worth out of them. If you think you may get some life's pleasures by upgrading and you can afford it I say go for it.
by Nate79
Sun Mar 12, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Brokerage
Replies: 28
Views: 3448

Re: Wells Fargo Brokerage

Wells Fargo should have kept the 100 free trades.
by Nate79
Sun Mar 12, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Worth Raising Car Insurance Deductible?
Replies: 26
Views: 1551

Re: Worth Raising Car Insurance Deductible?

I would suggest to price out a deductible of $500 vs $1000 and see if that makes more sense.
by Nate79
Sat Mar 11, 2017 1:21 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity
Replies: 24
Views: 2193

Re: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity

Vanguard offers some excellent tax efficient index funds.
by Nate79
Fri Mar 10, 2017 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Guided Solutions Fees
Replies: 25
Views: 2348

Re: Edward Jones Guided Solutions Fees

They were ripping you off before. Now the rules change so they just figure out another way to rip you off. There's boat payments at risk so they had to do something......
by Nate79
Fri Mar 10, 2017 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 6529

Re: 28yo, New Millionaire, Advice on Wealth Management

Investing is not difficult. One, two, or three funds are all you need depending on how complex you want to make it. Vanguard target funds, Lifestyle funds, or 2 or 3 fund portfolio. It's all you need.
by Nate79
Fri Mar 10, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire and need to realize 5%/year to live on.
Replies: 71
Views: 7037

Re: About to retire and need to realize 5%/year to live on.

You can put together a portfolio of quality dividend stocks (eg, T, VZ, MO, SO, F, DUK, etc) that gives you a dividend yield between 4-5%. In the long term, prive appreciation would likely put you well over 5% annual "total" return. This is not true and is the fallacy of dividend seekers....
by Nate79
Fri Mar 10, 2017 1:26 am
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 41
Views: 2743

Re: 27yr curious about my investment personel and strategy

Search for one of the weekly how to get out of Edward Jones on here to figure out how to unwind this mess (I know you don't have an account at EJ but the reason and process is the same.) I would not waste time with your advisor any more. He is a salesman. He is not a fiduciary. Figure out where you ...
by Nate79
Thu Mar 09, 2017 10:46 pm
Forum: Investing - Theory, News & General
Topic: HSA (Tax + Penalty) vs Taxable? HSA always wins?
Replies: 13
Views: 1235

Re: HSA (Tax + Penalty) vs Taxable? HSA always wins?

Are you including the tax drag of a taxable account?
by Nate79
Thu Mar 09, 2017 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Price Transparency in Healthcare
Replies: 3
Views: 346

Re: Price Transparency in Healthcare

I suggest you read the forum rules.
by Nate79
Thu Mar 09, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: At what $ level should someone really start diversifiying?
Replies: 25
Views: 2067

Re: At what $ level should someone really start diversifiying?

A target fund is fully diversified. Adding more funds doesn't automatically give you more diversification.
by Nate79
Tue Mar 07, 2017 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Paying Too Much in Expense Ratio?
Replies: 27
Views: 1720

Re: Am I Paying Too Much in Expense Ratio?

Wow. Just wow. How do funds with such high ER stay around?

OP, what are you paying your advisor?
by Nate79
Tue Mar 07, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 4772

Re: Are Fiat Cars Junk?

It is not a coincidence that certain manufacturers appear at the bottom of the heap of every reliability list.
by Nate79
Tue Mar 07, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Selecting health insurance during pregnancy
Replies: 21
Views: 1130

Re: Selecting health insurance during pregnancy

Not sure if it applies in this case but switching plans often/usually resets deductibles.
by Nate79
Mon Mar 06, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: Interesting interview with the head guy from Betterment
Replies: 19
Views: 2196

Re: Interesting interview with the head guy from Betterment

Betterment raises prices on their customers. Jill Schlesinger sold out and now her podcast is a running advertisement for Betterment. Now their CEO comes on and sounds like a salesman for an active traded firm, or perhaps an insurance company. Really hard to trust them.
by Nate79
Mon Mar 06, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 189
Views: 15624

Re: Betterment just raised their costs.

What a joke. How can you take a company seriously when the rubbish Jon Stein was claiming? I think Becky was quite kind to him to allow him to make the wild claims he was making. He started to sound like American funds compared to persons like Bogle and Buffet. His claims were not only preposterous ...
by Nate79
Mon Mar 06, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation (Question/Opinion)
Replies: 26
Views: 1621

Re: Net Worth Calculation (Question/Opinion)

Net worth is net worth. It is assets - liabilities. For personal net worth calculation since this value has almost no meaning in day to day life and the error bar on many of the asset values can be high I do not worry at all about the methodology. I do not include the cost to sell the house and I al...

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