Search found 526 matches

by TropikThunder
Fri Sep 22, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: New fee for Vanguard International High Dividend Yield Index Fund
Replies: 4
Views: 1025

Re: New fee for Vanguard International High Dividend Yield Index Fund

I own this fund and missed my September 2017 distribution. VIAAX had a 5 cent per share distribution which I reinvest back into the fund. It did not happen. Vanguard is checking into it. That doesn't sound very much like "High Dividend Yield" to me ($0.05/share dividend, $25.68/share NAV, 1.55% TTM...
by TropikThunder
Sat Sep 16, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Homeowners Insurance
Replies: 6
Views: 727

Re: Homeowners Insurance

Our homeowners insurance in a condo was about $90 per year. It essentially covered the contents and was essentially a renter's policy. The main reason we had it was for liability. Anything outside of the drywall was covered by the HOA. That's how my coverage worked for my townhouse in Texas. They c...
by TropikThunder
Sat Sep 16, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Homeowners Insurance
Replies: 6
Views: 727

Re: Homeowners Insurance

Its not a single-family, you want a condo quote if there's no townhome option. Read your CC&Rs and HOA insurance policy to know what they cover. Rates change so shop around every year or two. Also get an umbrella quote. Chubb, Amica, and USAA have the highest customer satisfaction ratings. Thanks f...
by TropikThunder
Sat Sep 16, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Homeowners Insurance
Replies: 6
Views: 727

Homeowners Insurance

Soon-to-be new homeowner here, and I admit I'm somewhat lost with regards to homeowners insurance. I've done enough research to be reasonably confident that I know how much I need for dwelling replacement cost, contents, liability, etc but I'm surprised at how much the quotes I'm getting vary from c...
by TropikThunder
Thu Sep 14, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Brother in College Co-Signing w/ Buddy for Duplex
Replies: 41
Views: 2806

Re: Brother in College Co-Signing w/ Buddy for Duplex

I may be mistaken, but from the description, it sounds a bit like mortgage fraud. Now that's a strong accusation, so let me explain my assumptions: The 5% down payment (deposit in UK terms) is for owner-occupiers, which is why your friend is looking for married co-workers to co-sign. Once you buy i...
by TropikThunder
Thu Sep 14, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Timing
Replies: 9
Views: 902

Re: HSA Timing

Quick question here. My wife is changing jobs and losing her health insurance effective 10/31. We are going to join my company's HDHP plan effective 11/1, so we'll qualify for the last month rule. Question is can I open an HSA and fund it now (i.e. a month and a half before we have HD coverage)? Or...
by TropikThunder
Thu Sep 14, 2017 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 33
Views: 2503

Re: Vanguard Health Care Fund in my portfolio?

Any sort of legislation that results in the government having more power to negotiate health care prices could drive down costs (also driving down profits for health care providers). The health care sector obviously isn't going to go away, but the private profits generated by that system could perm...
by TropikThunder
Thu Sep 14, 2017 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 33
Views: 2503

Re: Vanguard Health Care Fund in my portfolio?

I think you have something, and I believe at some point, it will nose-dive, but how could a sector inherently necessary for survival be in the dumps for an extended period? "Necessary for survival" does not guarantee profitability if reimbursements become limiting. Everyone needs food, so why aren'...
by TropikThunder
Sat Sep 09, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 10834

Re: Anyone else freeze their credit score?

90 days of the fraud alert will fly by--that doesn't seem to be much real protection for a breach of this magnitude, IMHO; when it ends you will be unprotected unless you remember to extend it and jump through whatever hoops are required. I guess everyone has different risk tolerance and ability to...
by TropikThunder
Sat Sep 09, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 10834

Re: Anyone else freeze their credit score?

What about a fraud alert instead of a freeze? According to the FTC, fraud alerts are free, you only need to call one bureau and they have to tell the others, and it forces creditors to contact you buy phone to verify that it is you trying to open an account. Three national credit reporting companies...
by TropikThunder
Sat Sep 09, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 10834

Re: Anyone else freeze their credit score?

Nope - not going to pay money and spend time creating an ongoing cost and inconvenience for myself and family. We make 5-figures annually getting using premium reward cards and save a lot of other money by having and using a high credit score (insurance rates etc.) Just checked equifax site and got...
by TropikThunder
Sat Sep 09, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Credit Card....need to send Drivers License/SS Copies?
Replies: 12
Views: 1147

Re: Applying for Credit Card....need to send Drivers License/SS Copies?

Anyone ever have to send in copies of drivers license/SS card to get a credit card? Applied online, no immediate approval, then received a letter saying they needed those plus copy of utility bill w/ current address to continue the process. No guarantee of approval either. Called them and they said...
by TropikThunder
Fri Sep 08, 2017 8:37 pm
Forum: Investing - Theory, News & General
Topic: [Bitcoin] question
Replies: 125
Views: 8410

Re: [Bitcoin] question

I don't know how widely this is known (maybe it is but bears repeating): John McAfee is a crackpot, so I wouldn't base investment decisions on what he says. Wait, it's THAT John McAfee? There are many different versions of security software founder John McAfee. He has gone from being known as a mul...
by TropikThunder
Fri Sep 08, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home With Girlfriend; Good or Bad?
Replies: 68
Views: 5392

Re: Purchasing Home With Girlfriend; Good or Bad?

You should also understand what constitutes a common-law marriage in your state so you can avoid it if you don't want to be married. If you want to live together, simply own the property in your name and let her live there for free or pay some of the bills if she can afford to (utilities, groceries...
by TropikThunder
Tue Sep 05, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: contributing to 401k & IRA & Roth
Replies: 5
Views: 484

Re: contributing to 401k & IRA & Roth

QUESTION 1: Can I make a contribution to my Vanguard traditional IRA for that $1,750? I think - and correct me if I am wrong - I am limited to this as a maximum contribution. Employer-based retirement accounts (401k, 403b) and Individual Retirement Accounts (IRA's) have completely separate contribu...
by TropikThunder
Fri Sep 01, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Public Service Loan Forgiveness Question
Replies: 5
Views: 744

Re: Public Service Loan Forgiveness Question

You must make the 120 payments under IBR or other income-based plan. You will not be able to use pre-IBR payments. This is correct. Payments made under the standard repayment plan (or any plan other than an Income Dependent Plan such as IBR or PAYE etc) do not count towards the 120-payment requirem...
by TropikThunder
Fri Sep 01, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Dropped envelope of money at bank... Any lawyers here?
Replies: 72
Views: 4042

Re: Dropped envelope of money at bank... Any lawyers here?

Are all the posters insinuating that this makes me a "thief"? If not, what is the difference between these two scenarios? I'm not a lawyer, but the only thing I can guess is that it's not a crime in my parking lot example because I had no way of identifying the true owner of the cash. It's not the ...
by TropikThunder
Thu Aug 31, 2017 12:20 am
Forum: Investing - Help with Personal Investments
Topic: Is it possible to find what funds carry a particular stock
Replies: 9
Views: 649

Re: Is it possible to find what funds carry a particular stock

Instead of buying any particular stock outright, I was looking to see what funds may carry that stock . if you look a little further down from the top 10 it says all stocks click that to see all of them Unless I'm missing something, I think badbreath answered a question that you didn't ask. Correct...
by TropikThunder
Wed Aug 30, 2017 11:11 pm
Forum: Investing - Theory, News & General
Topic: Ethereum (cryptocurrency) flash crash, 6/21/2017, $339->$0.10 in "seconds"
Replies: 30
Views: 4578

Re: Ethereum (cryptocurrency) flash crash, 6/21/2017, $339->$0.10 in "seconds"

I'm not going into cryptocurrencies until they find a way for me to buy tulips with them. :twisted:
by TropikThunder
Wed Aug 30, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Company 401k is incorrectly dealing with over 50 catch up contribution
Replies: 35
Views: 2845

Re: Company 401k is incorrectly dealing with over 50 catch up contribution

Virtually every feature of a 401k plan is optional. For example, a plan doesn't have to allow the full $18k in deferrals if they don't want. There's no good reason to do that, just like there's no good reason not to allow catch-up contributions. But the plan still has to allow for it. Thanks for th...
by TropikThunder
Wed Aug 30, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Company 401k is incorrectly dealing with over 50 catch up contribution
Replies: 35
Views: 2845

Re: Company 401k is incorrectly dealing with over 50 catch up contribution

Yes, the catch-up contribution is an optional feature. An employer does not have to offer catch-up contributions. I'm confused on how this can be an "optional feature" when there's explicit IRS regulations that allow it. Technically, there is no $60,000 limit The IRS would disagree with you: Overal...
by TropikThunder
Wed Aug 30, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for some feedback on finances/planned home purchase.
Replies: 9
Views: 701

Re: Looking for some feedback on finances/planned home purchase.

Paying 20k a year in mostly interest makes me sad face. I think a lot of posters on here have memories of amortization on much higher interest rates than seen today, and the old "all of your payments the first year will go to interest" just isn't true anymore. This PITI is barely even half interest...
by TropikThunder
Tue Aug 29, 2017 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Another TIAA High Expense Question - Trad Only?
Replies: 8
Views: 516

Re: Another TIAA High Expense Question - Trad Only?

Given the unique nature of the TIAA Trad, expense rations in the other funds available to us, and the investments we have + low ER in the TSP, I'm thinking of allocating 100% of future contributions to the Trad in the 403b T-C account. Thoughts? TIAA Traditional is basically a stable-value fund (li...
by TropikThunder
Sun Aug 27, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to Break Up With Your Lender
Replies: 7
Views: 1218

Re: How to Break Up With Your Lender

Thanks for all the replies! My impression is that this lender plans to stick you with lots of garbage fees and perhaps a higher rate and costs than they initially quoted. Quite possibly, but without full disclosure I can't even tell yet. :P The rate is about 0.75 higher than other lenders provided, ...
by TropikThunder
Fri Aug 25, 2017 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to Break Up With Your Lender
Replies: 7
Views: 1218

How to Break Up With Your Lender

Has anyone here changed mortgage lenders between offer acceptance and closing? I'm buying a new-construction townhouse but I'm unhappy with the preferred lender. My frustration is with the complete lack of urgency and communication of the lender, and I definitely get the feeling they are acting as i...
by TropikThunder
Fri Aug 25, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: Issue With Real Estate Agent (Seller)
Replies: 58
Views: 6233

Re: Issue With Real Estate Agent (Seller)

So instead of making a commission on a smaller price, she made zero. It's still not clear to me why she was so strongly against lowering the price when the seller (me) was all for doing so, to move the property. And she could have gotten this commission on a smaller scale in April, as your rapid sa...
by TropikThunder
Fri Aug 25, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Experience finding gas pump card skimmer?
Replies: 46
Views: 4133

Re: Experience finding gas pump card skimmer?

metrunt wrote:
Fri Aug 25, 2017 12:50 pm
If your debit card number is skimmed and you report fraudulent activity within two months of receiving your statement, you have $0 liability.
But the bank doesn't have to return the money right away. And it's 60 days from statement being sent, not from when you receive it (small detail).
by TropikThunder
Thu Aug 24, 2017 9:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total Corporate Bond ETF
Replies: 41
Views: 6175

Re: Vanguard Announces Plans To Launch Total Corporate Bond ETF

I would think one of the advantages of having a 'Total Bond' fund, would be less need to turnover the portfolio - no need to sell a bond because it's moved outside the funds targeted maturity/duration. By structuring it as a fund of other funds that do target specific maturity ranges they lose that...
by TropikThunder
Wed Aug 23, 2017 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Bond ETF
Replies: 13
Views: 928

Re: Bond ETF

I converted my bond mutual funds to bond ETFs, for all of the more obvious reasons given for doing so. Now I am wondering how these Ere's might react to a significant downturn in the equity markets? Typically bond fund would be expected to move inversely to the equity market. Any opinions? Are you ...
by TropikThunder
Wed Aug 23, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Bond substitutes ?
Replies: 16
Views: 1755

Re: Bond substitutes ?

shuresm7b1 wrote:
Wed Aug 23, 2017 6:10 pm
Is the new corporate fund available or coming soon? Does it have a name yet?
Vanguard Total Corporate Bond ETF, est. 4th quarter 2017.
https://pressroom.vanguard.com/news/Pre ... d-ETF.html
by TropikThunder
Wed Aug 23, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Racking my brain over my Roth IRA
Replies: 7
Views: 841

Re: Racking my brain over my Roth IRA

My plan was to keep investing the 2050 Target Date Fund until I had enough to invest in the three separates with admiral shares. You don't mention whether you have a 401k or 403b, so the best answer is "it depends on your overall portfolio" but I think it's a good plan. Early in the game, your cont...
by TropikThunder
Tue Aug 22, 2017 12:36 am
Forum: Personal Consumer Issues
Topic: Three days in Prague during September
Replies: 19
Views: 1602

Re: Three days in Prague during September

I will spend three days in Prague in September. I would appreciate suggestions for what to see and what to do from those who have been there. Quickie from TripAdvisor: 3 Days in Prague https://www.tripadvisor.com/Guide-g274707-k349-Prague_Bohemia.html Highlights: Prague Castle, Charles Bridge, Old ...
by TropikThunder
Mon Aug 21, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to 403(b) or taxable account?
Replies: 7
Views: 839

Re: Contribute to 403(b) or taxable account?

What are the chances your wife will stay employed with this exact same school district for the next decade plus? All you have to do is switch districts at some point and you can roll all those contributions over to a IRA with a low cost provider and invest how you choose. If she may take a break at...
by TropikThunder
Mon Aug 21, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Overextended in Bay Area housing?
Replies: 37
Views: 3769

Re: Overextended in Bay Area housing?

We pay everything with credit card when we can. Is a monthly expense of $3000 not typical? Your original phrasing implied $2-3,000/month of "stuff on credit cards" rather than $2-3,000/month of expenses that you happen to pay for with plastic (if you're carrying any balances, however, that's a red ...
by TropikThunder
Mon Aug 21, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Another VT vs. VTI + VXUS question
Replies: 3
Views: 618

Re: Another VT vs. VTI + VXUS question

I would expect the VT return to be somewhere between VTI and VXUS on a given day. For example, if VTI is up .50% and VXUS is up .25% on a given day, I would expect VT to be up somewhere between .25% - .50% on that day. I am finding that is not the case on many days. For example, today VXUS was up ....
by TropikThunder
Mon Aug 21, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park emergency fund to beat inflation?
Replies: 25
Views: 3168

Re: Where to park emergency fund to beat inflation?

5% APY on up to $10k, FDIC insured Northpointe Bank https://www.northpointe.com/banking/personal-accounts/ultimateaccount/#features That's a sweet rate, but not an appropriate account choice for parking money: If qualifications are not met during the during the statement period, the full account ba...
by TropikThunder
Mon Aug 21, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 42
Views: 3035

Re: Advantages of Having No Credit Score

It takes about 6 months from the time you pay off your last debt to have no credit score. That's flat-out untrue. While negative credit file entries last 7 years, positive trade lines that have been paid off (like a car loan) can remain on your credit file for up to 10 years, providing a positive c...
by TropikThunder
Mon Aug 21, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 42
Views: 3035

Re: Advantages of Having No Credit Score

LEB1230 wrote:
Mon Aug 21, 2017 2:27 pm
You don't need a credit card to rent a car. I rented one in June and used a debit card with no hassle.
Debit cards don't provide rental car coverage like many credit cards do. Did you pay for the rental-counter LDW coverage?
by TropikThunder
Mon Aug 21, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a 2nd Mortgage vs Combining into one new note
Replies: 7
Views: 580

Re: Adding a 2nd Mortgage vs Combining into one new note

renue74 wrote:
Sun Aug 20, 2017 7:05 pm
3.) I gave her a fairly large rate (14% on 5 year terms) for the 2nd mortgage.
.....
5.) If the buyer stops paying me on the 2nd mortgage, I can foreclose.
Why in the world would she accept those terms?
by TropikThunder
Sat Aug 19, 2017 11:41 pm
Forum: Investing - Theory, News & General
Topic: Japanese Bubble Burst 1989
Replies: 78
Views: 7211

Re: Japanese Bubble Burst 1989

I just found on line calculator. One thousand US dollars invested in Nikkei 225 index at the peak of the bubble would be worth 697 dollars today (with dividends reinvested). Adjusted for inflation, the sum would be only 363 dollars. Definitively a huge loss. https://dqydj.com/nikkei-return-calculat...
by TropikThunder
Fri Aug 18, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Increasing Loan - to Value Ratio
Replies: 9
Views: 646

Re: Increasing Loan - to Value Ratio

Original company MUST remove PMI when it is paid down to 78% of ORIGINAL LTV after 24 months of ontime payments so that is an option without appraisal but for me that would have been the most expensive option Added to clarify: most (all?) PMI contracts require 24 months of payments even if you pay ...
by TropikThunder
Fri Aug 18, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Did Chase Apply My "Additional Principal" Payment Legally?
Replies: 41
Views: 2251

Re: Did Chase Apply My "Additional Principal" Payment Legally?

I recently looked at my payment records and noticed that instead of applying the $5000 to principal, Chase pulled out the regular payment amount of $1052.39, which included $174.21 of interest, and applied the remainder towards principal. The very next day, February 24th, Chase received my regular ...
by TropikThunder
Thu Aug 17, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Sell VTSAX to pay off car loan?
Replies: 12
Views: 739

Re: Sell VTSAX to pay off car loan?

So tax would be $1500 to sell these shares of VTSAX, correct? I'm paying $573 ($47 monthly) in interest over the course of 1 year (5.1% on $11,250) for the loan to the bank. As others mentioned, your math is off on both the capital gains taxes and the interest payments. Shorthand estimate for the i...
by TropikThunder
Wed Aug 16, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Help with mortgage rates-closing soon!
Replies: 11
Views: 975

Re: Help with mortgage rates-closing soon!

You have a good rate. Just look forward to closing. :happy As said, you don't get to renegotiate your locked in rate . You do if it's in your contract: "We negotiated with our lender to adjust to low rate once before closing without incurring any additional cost." I looked at bank rate and mortgage...
by TropikThunder
Wed Aug 16, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: 30 Year @ 3.875
Replies: 5
Views: 937

Re: 30 Year @ 3.875

I am getting 30 year @3.875% interest for 425k mortgage with 20% down payment and 340k loan. Is it a good rate to lock it at present or should I expect lower rates? Thanks for your help More information needed, such as: what part of the country, what's your credit tier, how much are your closing co...
by TropikThunder
Wed Aug 16, 2017 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Emergin market bond fund in taxable
Replies: 12
Views: 721

Re: Emergin market bond fund in taxable

I have a TROWE Emerging Market Bond fund in an TIRA (Non-tax advantaged). All gains/dividends are set to reinvest. I deposit a coupe grand a year in this fund and it has done very well. Are there explicit downsides to this investment? From what I believe is correct, the advantages are: 1. The gains...
by TropikThunder
Wed Aug 16, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Victor Mcclure, Financial Advisor in the Dallas Area
Replies: 6
Views: 914

Re: Victor Mcclure, Financial Advisor in the Dallas Area

TravelforFun wrote:
Tue Aug 15, 2017 9:34 pm
Has anyone used him?
Listen to the way he phrases his pitch: "No downside and a portion of market upside". That's because it's an index annuity.
https://www.bogleheads.org/wiki/Equity-indexed_annuity

Image
by TropikThunder
Sat Aug 12, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Personal mortgage loan
Replies: 16
Views: 812

Re: Personal mortgage loan

If he doesn't qualify now, he certainly won't qualify with a $60k loan on his back. If this was to be an actual loan, he should report it when he applies and gives all his debt and income. Exactly. If he doesn't qualify now, it's most likely due to excessive Debt to Income ratio (DTI). I'm assuming...
by TropikThunder
Sat Aug 12, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Personal mortgage loan
Replies: 16
Views: 812

Re: Personal mortgage loan

If you really want the money back you can become the second lein holder on the property and file it with title/laywer I think this would actually make things harder for him. The primary lender will have to know about (and approve of) the second lien, and in some cases will charge a higher rate on t...
by TropikThunder
Fri Aug 11, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: $50k loan from 401k for house
Replies: 21
Views: 1575

Re: $50k loan from 401k for house

I have $200k in my 401k and we are in the process of closing a 424k house with 340k mortgage. We don't need the money to pay for the down payment. The crazy thought we have is should we each take 50k from our 401ks and knock that mortgage by and then pay that interest ourselves? Is 50k limit per ho...