Search found 25 matches

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: 229

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: 3665

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: 63
Views: 3961

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: 6483

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 - Theory, News & General
Topic: Schwab reduces index mutual fund ER and trade commission
Replies: 46
Views: 4390

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: 63
Views: 3961

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: 997

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: 5461

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: 239

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: 239

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: 1246

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: 719

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: 131
Views: 20522

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: 192
Views: 17968

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: 1323

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: 7445

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: 978

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: 2891

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: 6542

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: 24849

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: 1887

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. :happy I assume you meant $4k/month for the pension. Haha yikes...yes 4K/mo not yr! Thank you for all th...
by Nthomas
Sun Sep 04, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Military Retirement/Pension vs. Higher Income
Replies: 18
Views: 1887

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: 1326

Re: Vanguard Yodlee Aggregator not working

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

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