Search found 48 matches

by Nthomas
Sun Oct 15, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Military or Federal Retirement
Replies: 4
Views: 798

Re: Military or Federal Retirement

Personally I would stick it out with only 3 years left, and I'm saying that as an AD physician who can't wait to run out the door (but I will have 9 years left). The pension and lifelong inexpensive insurance for the family are not insignificant (see the recent thread on the price increase of ACA/in...
by Nthomas
Sun Oct 08, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: [Three-fund portfolio: Robo-adviser or 3 funds?]
Replies: 7
Views: 689

Re: [Three-fund portfolio: Robo-adviser or 3 funds?]

camillus wrote:
Sun Oct 08, 2017 4:29 am

I am jealous of Betterment's interface though. Betterment looks really cool.
I agree. The aesthetics are very appealing.
by Nthomas
Sat Oct 07, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital Service
Replies: 8
Views: 1013

Re: Personal Capital Service

^That story makes me think that person already had a new job lined up at Schwab. Although he spoke highly of SIP he also made a point of highlighting PC's personal touch and dedicated advisor and how much more you get with them. When I log onto the app to check balances I see he is still listed as ...
by Nthomas
Thu Oct 05, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital Service
Replies: 8
Views: 1013

Re: Personal Capital Service

Their fee is too high, for my tastes. I know someone that uses them and they are happy. But that doesn’t make it a cost-effective solution. I believe you will do better with a Schwab intelligent portfolio. You can link it to the Personal capital dashboard. For what it’s worth when I had the free Pe...
by Nthomas
Wed Oct 04, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolios vs. WiseBanyan
Replies: 31
Views: 2118

Re: Schwab Intelligent Portfolios vs. WiseBanyan

For any one interested on the robo performance and allocations, check out https://theroboreport.com/ by condor capital. It's a great summary on returns and break down of why one out- or underperformed the other.
by Nthomas
Wed Oct 04, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolios vs. WiseBanyan
Replies: 31
Views: 2118

Re: Schwab Intelligent Portfolios vs. WiseBanyan

Whether they make money off of the cash or whether they make it off of the higher cost fundamental ETFs seems to be irrelevant. The question (for me) is what is the cost of the service to manage a portfolio of a particular size and how does that portfolio perform. The performance is tricky to measu...
by Nthomas
Tue Oct 03, 2017 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 32113

Re: Vanguard Customer Service

[/quote] I will say that Vanguard is fast about answering the phone. Someone answers in less than a minute. Since I have called Schwab and Fidelity in the past week about possibly opening accounts there, the wait for someone to answer has been at least ten minutes each place. [/quote] I have had the...
by Nthomas
Thu Sep 21, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: How does this two factor authentication work?
Replies: 9
Views: 706

Re: How does this two factor authentication work?

once you activate the Symantec device to use the code, how does the iPhone app work? Do you need to use the key to log into the app as well?
by Nthomas
Sat Sep 09, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor, with a side of Betterment?
Replies: 13
Views: 857

Re: Vanguard Personal Advisor, with a side of Betterment?

I am not suggesting you anything, but just want to point out that if you do open a betterment taxable account, there is a sync external account function that they will watch over your other accounts to avoid wash sale. I personally haven't tried it though :happy I'm pretty sure that account syncing...
by Nthomas
Tue Aug 08, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15737

Re: Capital One $400 bonus for new checking account

$251 x 2 on 7/21 from Schwab brokerage. $300 posted today 8/8.
by Nthomas
Sun Jul 30, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Medical Resident SEP IRA vs. Solo 401k
Replies: 7
Views: 569

Re: Medical Resident SEP IRA vs. Solo 401k

I would do the solo/individual 401(k). Eventually your salary is going to be high enough that you can no longer directly contribute to a Roth IRA and if you have a SEP IRA that's going to get in the way of you doing a backdoor Roth
by Nthomas
Tue Jul 25, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15737

Re: Capital One $400 bonus for new checking account

This was a strange one for me. I opened this account with the promo code for me and my wife on 6/28 (not targeted; we are in CA). On 7/6, I made two $251 transfers to both accounts from my Ally account. On 7/9, I made two $251 transfer to both accounts from my CU account $400 was posted to my accou...
by Nthomas
Thu Jul 20, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Wellington VWELX or 3 fund portfolio
Replies: 20
Views: 3564

Re: Wellington VWELX or 3 fund portfolio

Nate79 wrote:Wellington is most definitely not closed. Why does anyone think it is closed?

Direct from Vanguard's investor page with $3k min investment:

https://personal.vanguard.com/us/funds/ ... IntExt=INT
I think it's closed to institutional investors and and that's why the confusion
by Nthomas
Wed Jul 19, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Individual 401k Vanguard
Replies: 11
Views: 751

Re: Individual 401k Vanguard

I already have a Schwab individual 401(k) plan primarily because I need to roll over the traditional IRA to do the back door Roth IRA. But I would not mind consolidating my accounts at Vanguard if I could transfer that Schwab individual 401(k) over to the Vanguard individual 401(k). Do you really c...
by Nthomas
Wed Jul 19, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Individual 401k Vanguard
Replies: 11
Views: 751

Re: Individual 401k Vanguard

So you can't roll a tIRA into the Vanguard i401K (to allow backdoor Roth, avoid pro rata) but you can roll/transfer another i401k to vanguard? In other words, so I could roll a Schwab tIRA into a Schwab i401k, and then transfer that i401k into my Vanguard i401k? Why would you want to? That seems li...
by Nthomas
Wed Jul 19, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab's Modern Approach to Asset Allocation - Comments
Replies: 28
Views: 2792

Re: Schwab's Modern Approach to Asset Allocation - Comments

I have to agree that this is a darn good portfolio. Schwab Intelligent Portfolio, their robo service, offers similar portfolios without the mumbo jumbo they proposed in the paper to meddle with your portfolio. You can have adjustments according to your risk preferences. See the below picture for fe...
by Nthomas
Tue Jul 18, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Individual 401k Vanguard
Replies: 11
Views: 751

Re: Individual 401k Vanguard

So you can't roll a tIRA into the Vanguard i401K (to allow backdoor Roth, avoid pro rata) but you can roll/transfer another i401k to vanguard? In other words, so I could roll a Schwab tIRA into a Schwab i401k, and then transfer that i401k into my Vanguard i401k?
by Nthomas
Wed Jun 14, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Issue w/Personal Capital vs Vanguard Retirement Planners
Replies: 13
Views: 1994

Re: Issue w/Personal Capital vs Vanguard Retirement Planners

I think personal capital's retirement planner factors in inflation, but I can't say 100%.
by Nthomas
Fri May 05, 2017 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in Vanguard's Wellesley Income fund for 10 years to buy car
Replies: 22
Views: 3561

Re: Investing in Vanguard's Wellesley Income fund for 10 years to buy car

Not to hijack the thread but I've been wondering lately...My wife is starting to get nervous about the high valuations and so this year her IRA was invested in VWINX. We are 40. Is this too conservative?? My Wellington (VWELX) has done considerably better over the same (small) timeframe and I'm star...
by Nthomas
Wed May 03, 2017 6:19 pm
Forum: Investing - Theory, News & General
Topic: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg
Replies: 94
Views: 12088

Re: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg

I also think a huge takeaway is that he points out the S&P was so highly valued at that point that he thought there was no way it would return its historical average over the next ten years. A lot of people are currently saying that about valuations and future returns and although they very well...
by Nthomas
Mon May 01, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k - go with Vanguard or someone else
Replies: 44
Views: 4597

Re: Solo 401k - go with Vanguard or someone else

Actually with Schwab you don't have to mail in a check. You can do an online transfer from outside bank to a taxable Schwab brokerage account and then once it settles (3 days) call the Schwab small business line and they will transfer for you over the phone from taxable to your i401K. Very easy to ...
by Nthomas
Fri Apr 28, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k - go with Vanguard or someone else
Replies: 44
Views: 4597

Re: Solo 401k - go with Vanguard or someone else

I would go with Charles Schwab or Fidelity over Vanguard for a Solo 401k. I don't like Vanguard's limited investment options in their Solo 401k (ie no Vanguard ETFs, or Admiral Share Class Funds) The main down-side to Schwab or Fidelity is that you will have to use a manual check, or bill pay servi...
by Nthomas
Mon Apr 03, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Got my second comma -- what is this anticlimactic feeling?
Replies: 55
Views: 7248

Re: Got my second comma -- what is this anticlimactic feeling?

Personally I think 1M is a significant milestone because at that point even if you stopped contributing and did nothing else it would grow significantly over the next 20 years (3.2 M at 6%).
by Nthomas
Mon Mar 20, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: locums, self-employment taxes, and individual 401k contributions
Replies: 2
Views: 304

locums, self-employment taxes, and individual 401k contributions

Does anyone have any recommendations on software or websites that track and calculate all of this stuff well? I was looking at quickbooks self-employed but does not track i401K very well (manual process). It is even more complicated since I have W2 income as well and state taxes will be due on the 1...
by Nthomas
Wed Mar 01, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Easy Ways to Save a Little Money (Like Churning)
Replies: 21
Views: 3903

Re: Easy Ways to Save a Little Money (Like Churning)

whodidntante wrote:I'm on schedule to earn $2,570 from new account bonuses and arbitrage during Q1. I use my emergency fund to back the activities.

Is this 2570 cash? Or miles/travel equivalent?
by Nthomas
Sat Feb 11, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 66
Views: 5832

Re: Verizon to Cricket or StraightTalk

We're thinking about swapping to Cricket. My AT&T wireless is $100/mo + taxes/fees for 2 lines sharing 6 GB of data. I can get two lines with 3GB each for $70 with taxes and fees included on Cricket. As far as I can tell on forums and their coverage map, Cricket is available in pretty much any ...
by Nthomas
Sat Feb 11, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 68
Views: 8079

Re: Charles Schwab Experiences?

Very happy with Schwab. Great customer service. Once your portfolio becomes sizeable, you will enjoy even more personalized service (without any sales pitches). Drummerboy: At what point does Schwab consider your portfolio "sizeable"? And can you expound on the extra personalized service?...
by Nthomas
Thu Feb 02, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab offering .03% ER
Replies: 75
Views: 4215

Re: Schwab reduces index mutual fund ER and trade commission

I think it's interesting that on page 3 of the pdf Schwab uses a $5000 investment...they know that to get the lower cost Vanguard fees (admiral shares) and Fidelity Premium class shares requires a $10,000 investment. Using the "investor class" share prices (for both Vanguard and Fidelity)...
by Nthomas
Fri Jan 27, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 66
Views: 5832

Re: Verizon to Cricket or StraightTalk

I moved from AT&T to Cricket and my service basically didn't change, they are owned by AT&T and use AT&T's towers. It's reliable. Saved a lot of money, it's $35/month for my plan, which includes like 2 GB of data that I never use cause I'm on wifi so often. My understanding was that Ver...
by Nthomas
Sat Jan 21, 2017 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Linking Ally to Vanguard
Replies: 7
Views: 1300

Re: Linking Ally to Vanguard

Link it from Vanguard. They deposit two micro deposits for verification and takes only a few days.
by Nthomas
Wed Jan 18, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity [Customer Service Reputation]
Replies: 73
Views: 6357

Re: Vanguard vs. Fidelity [Customer Service Reputation]

I've not invested with Fidelity so can't report any experience with them. I've had several serious problems with Vanguard that have shaken my confidence in their customer service. They once vaporized a Roth IRA I held when it was supposed to be merged with a second Roth IRA and lost all records of ...
by Nthomas
Sun Jan 15, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: VPAS
Replies: 4
Views: 296

Re: VPAS

Also, do you get a dedicated advisor or just a team and whoever answers?
by Nthomas
Sun Jan 15, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: VPAS
Replies: 4
Views: 296

VPAS

How does vanguard personal advisor services collect the fee? Can you pay it separately or do they take it right from the assets already invested (a la Betterment)?

Also, are you paying essentially for portfolio construction and rebalancing or is this full-service wealth management?
by Nthomas
Sat Jan 14, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: I401k Employer Portion limit 20% or 25% of income
Replies: 23
Views: 1475

Re: I401k Employer Portion limit 20% or 25% of income

So if one has a 401(k) through an employer but has a side business with an individual 401(k) do you use 20% or 25% in the calculators?
Example: https://personal.vanguard.com/us/SbsCal ... Controller
by Nthomas
Sat Jan 14, 2017 8:49 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard not the best choice for I401k or Sep IRA
Replies: 13
Views: 1017

Re: Is Vanguard not the best choice for I401k or Sep IRA

I just opened an individual 401(k) with Schwab and it was quick and easy. It's a brokerage account so you can buy anything you want and of course everything Schwab is commission free. It allows roll overs too so when I start doing back door Roth IRAs I'm going to transfer all of my traditional IRA's...
by Nthomas
Tue Jan 10, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 192
Views: 35132

Re: USAA 2.5% Cash Back Credit Card

Is the cashback redeemable to the dollar level or is it in $25 increments like the AMEX blue cash preferred?
by Nthomas
Wed Jan 04, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 32113

Re: Vanguard Customer Service

I logged onto my account yesterday and there was a banner basically stating the call volumes were so high don't bother calling until tomorrow (today). :(
by Nthomas
Mon Dec 26, 2016 1:12 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Advisory Service is undercutting Vanguard at only 0.28% AUM not 0.30%
Replies: 10
Views: 1509

Re: Schwab Intelligent Advisory Service is undercutting Vanguard at only 0.28% AUM not 0.30%

Betterment and wealth front don't actually offer financial planning though. That's the delta of what you are paying for, advice and planning rather than just portfolio construction
by Nthomas
Sat Dec 24, 2016 4:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 8635

Re: My Christmas Gift to You.

Merry Christmas and thank you for your service to this country and all of us investors !!
by Nthomas
Thu Dec 15, 2016 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Simplest Solo 401k to setup and manage
Replies: 17
Views: 1365

Re: Simplest Solo 401k to setup and manage

What about Schwab? Looks like you can get anything (stock, ETF, schwab mutual funds) and they accept IRA rollovers.
by Nthomas
Fri Dec 02, 2016 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: "High risk colonoscopy", cost shift. Any recourse?
Replies: 19
Views: 3264

Re: "High risk colonoscopy", cost shift. Any recourse?

I'm a Gastroenterologist. Although I can't give medical advice per the rules of the forum, I agree with the previous poster who stated to google the repeat surveillance recommendation guidelines . Unless there is more to the story (poor prep, high grade dysplasia, etc), you may not need another colo...
by Nthomas
Tue Sep 13, 2016 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Physician employment and fair salary and raises
Replies: 58
Views: 7191

Re: Physician employment and fair salary and raises

I agree that you have to negotiate. But it needs to be from a perspective of reality they like to ignore. Physicians have allowed hospital administrators to "yoke the ox" for far too long. You are the only one that produces income...not the administrators. You are the only one with a medi...
by Nthomas
Tue Sep 06, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 28303

Re: How much is your cell phone bill?

Cricket 5 lines 5 GB one line 2.5 GB each for four lines Unlimited talk and text $110/mo AT&T towers so service is great. Also if the kids go over they are throttled until next month cycle or if you buy an extra GB for $10. They don't automatically charge you for overage which is a big plus comi...
by Nthomas
Sun Sep 04, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Military Retirement/Pension vs. Higher Income
Replies: 18
Views: 2180

Re: Military Retirement/Pension vs. Higher Income

If I stayed in, I would have 9 more years until retirement at age 52 and would receive about 4k/yr thereafter from the pension. Well, I certainly wouldn't stick it out for only $4k a year after. I assume you meant $4k/month for the pension. Haha yikes...yes 4K/mo not yr! Thank you for all the respo...
by Nthomas
Sun Sep 04, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Military Retirement/Pension vs. Higher Income
Replies: 18
Views: 2180

Military Retirement/Pension vs. Higher Income

I am a military physician making approximately 150K/yr and invest 41K/yr between TSP, IRA's and taxable. If I stayed in, I would have 9 more years until retirement at age 52 and would receive about 4k/yr thereafter from the pension. However, that is 150k/yr x 9 yrs vs. taking a higher paying job now...
by Nthomas
Fri Jul 15, 2016 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Yodlee Aggregator not working
Replies: 17
Views: 1591

Re: Vanguard Yodlee Aggregator not working

Does VG still offer this service? All I can see is the ability to manually enter portfolio.