Search found 461 matches

by alpenglow
Tue Nov 21, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 150
Views: 16952

Re: Vanguard 403b Changes

For something that has been afoot for awhile and for a company as stable as Vanguard, this is turning into a 3 Stooges production. On my last Vanguard confirmation it showed the contribution to Total Bond, but not for Wellington or Equity Income. What happened to the other contributions? It also sh...
by alpenglow
Tue Nov 21, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 150
Views: 16952

Re: Vanguard 403b Changes

Anyone else experiencing delays in contributions appearing in 403b accounts after the switch to Newport? In the past my contributions would appear in a day or two after my paycheck was issued. But I was paid about a week ago, deductions were made from the paycheck, and they haven't shown up at Vang...
by alpenglow
Mon Nov 20, 2017 8:39 am
Forum: Investing - Theory, News & General
Topic: short a stock that is halted
Replies: 8
Views: 983

Re: short a stock that is halted

Wow. I don't have any advice but I feel your pain. I was caught in halted securities many times as a professional trader, but never for that period of time.
by alpenglow
Thu Nov 16, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Sobering article for my 25 year old self
Replies: 57
Views: 6643

Re: Sobering article for my 25 year old self

I have about a 50% savings rate as a school teacher. Admittedly, I work in a high salary area for a teacher. I also saved upwards of 90% when I worked in finance. Whatever the case, my wife and I want for nothing. We save a ton by cooking at home (which we love doing), driving sensible cars, using c...
by alpenglow
Thu Nov 16, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Pile of Cash - What to do
Replies: 25
Views: 2853

Re: Pile of Cash - What to do

I would withdraw the cash and swim in it like Scrooge McDuck.
by alpenglow
Wed Nov 15, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 107
Views: 7872

Re: Has used furniture dropped in value dramatically?

I have to agree with the other posters. No one seems to want that stuff. My wife has an antique settee with some very beautiful woodwork. No interest whatsoever on craigslist etc.
by alpenglow
Wed Nov 15, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 150
Views: 16952

Re: Vanguard 403b Changes

Just a data point - all of my funds have been exchanged to Admiral funds, the new 403b site is working for me, and the two transactions that should have posted during the blackout period have now posted.
by alpenglow
Wed Nov 15, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Brokered CDs - often better return secondary market
Replies: 16
Views: 1633

Re: Brokered CDs - often better return secondary market

I would guess that it is due to illiquidity. In the past few years, I've purchased a number of secondary market CDs for my Mother's account. The deals were quite good at the time. Oddly enough, with rising interest rates, the deals aren't as good of late, for reasons I can't explain.
by alpenglow
Sun Nov 12, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Service is up and running
Replies: 5
Views: 468

Re: Vanguard 403b Service is up and running

The site is up and working for me too. I wonder when the transactions that should have posted during the blackout period will appear.
by alpenglow
Thu Nov 09, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 150
Views: 16952

Re: Vanguard 403b Changes

I posted in the other thread about receiving the same confirmations. I think Vanguard should have been more clear in communicating about this transaction notification.
by alpenglow
Thu Nov 09, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Should I open an account with Vanguard?
Replies: 28
Views: 2068

Re: Should I open an account with Vanguard?

I have accounts with a variety of companies, including Vanguard. If I were to start over again, I think I'd put it all at Fidelity. There are some disturbing posts here about the customer service at Vanguard, including accounts "disappearing". I am displeased with Vanguard's recent 403b changes. I'v...
by alpenglow
Thu Nov 09, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: [Vanguard 403b missing from my login account]
Replies: 8
Views: 540

Re: [Vanguard 403b missing from my login account]

Vanguard lost my Roth IRA account and couldn't find it. Until I could prove with an old paper statement that it existed, the Vanguard rep accused me of fraud. Since then, I religiously save every confirmation and statement which I hadn't done before. I'll never trust these bozos again. Thanks to yo...
by alpenglow
Wed Nov 08, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Breaking point to get a new to newish car
Replies: 59
Views: 3376

Re: Breaking point to get a new to newish car

BWM's - learned my lesson with those a long time ago. If you can afford them, then great. Otherwise, I found them to be money pits. After getting stranded a couple of times, I was done.
by alpenglow
Tue Nov 07, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Black Friday Deals/Holiday Gift Ideas
Replies: 53
Views: 6658

Re: Black Friday Deals/Holiday Gift Ideas

I feel just awful when I got something (even bought it for myself) and then throw it away or give it away -- making me resolve not to buy so many things in future. I feel the same way. My wife and I have started to seriously clean out the house. It is a bit of a bummer to think that all of the stuf...
by alpenglow
Tue Nov 07, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Black Friday Deals/Holiday Gift Ideas
Replies: 53
Views: 6658

Re: Black Friday Deals/Holiday Gift Ideas

We are working hard to convince our families to end adult gift giving. Such an unnecessary thing. We've been trying to do this. It took awhile, but we more or less cut out family adult birthday gifts. The backlash we got over trying to cut out adult Christmas gifts was tremendous. Unfortunately, my...
by alpenglow
Tue Nov 07, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Fair Price for a Kitchen Remodel
Replies: 34
Views: 2934

Re: Fair Price for a Kitchen Remodel

Cyclesafe wrote:
Tue Nov 07, 2017 10:04 am

One frustration is that the remodeler will only give me a bottom line number of $124,000. Yes, you read that correctly.
Wow. My wife and I were talking last night about when we would do a kitchen remodeling and how much we would be willing to spend. I guess we won't be remodeling anytime soon.
by alpenglow
Fri Nov 03, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 150
Views: 16952

Re: Vanguard 403b Changes

Contributions by carrier pigeon only. The $5/month helps offset the cost of the pigeons. In all seriousness, I can't imagine that this applies to 403b contributions through a TPA. FWIW, I'm printing out my current 403b statement, balances, and history. I know how Vanguard has a habit of "losing" acc...
by alpenglow
Fri Nov 03, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Accidentally bought $20,000 worth of I Bonds
Replies: 17
Views: 4624

Re: Accidentally bought $20,000 worth of I Bonds

vtMaps wrote:
Fri Nov 03, 2017 8:47 am
One other consideration... if the 2nd transaction does go through (even if it is later reversed), is there enough money in the funding account to avoid overdraft issues?
That was my thought as well. I'd never have that much cash in my checking account.
by alpenglow
Thu Nov 02, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: Robert Prechter, Elliott Wave theorist, Fox Business today
Replies: 24
Views: 1828

Re: Robert Prechter, Elliott Wave theorist, Fox Business today

Levett wrote:
Wed Nov 01, 2017 4:56 pm
Years ago Barron's referred to it as the "idiot Wave."
Nice.
by alpenglow
Mon Oct 30, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Contesting taxes due on purchase of a used motor vehicle
Replies: 15
Views: 1264

Re: Contesting taxes due on purchase of a used motor vehicle

sport wrote:
Mon Oct 30, 2017 1:05 pm
This seems strange. In my state, sales tax is a percentage of the actual sale price.
Unfortunately, I think there is a lot of dishonesty with regard to vehicle bills of sale to avoid sales/excise tax. I can see why they might use another pricing source for excise tax.
by alpenglow
Mon Oct 30, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 150
Views: 16952

Re: Vanguard 403b Changes

A point of info for anyone considering final tweaks to their 403b holdings prior to the blackout date. I held a mixture of Index 500 and Index Extended in my 403b, and as I noted above these were converted to Admiral shares earlier in the month. I decided to simplify and convert all my 403b holding...
by alpenglow
Sun Oct 29, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Worry About Home Title Fraud?
Replies: 23
Views: 2010

Re: Worry About Home Title Fraud?

I imagine there is something to it as my local county in NY has started a free email notification service that you can opt-in for. They will alert you to any title changes and liens that are added to your property's records.
by alpenglow
Tue Oct 24, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Attempted theft of bank funds via identity theft
Replies: 19
Views: 2520

Re: Attempted theft of bank funds via identity theft

I've opened a number of checking accounts online and I've never had to show/fax/mail in a copy of a drivers license.
by alpenglow
Tue Oct 24, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Attempted theft of bank funds via identity theft
Replies: 19
Views: 2520

Re: Attempted theft of bank funds via identity theft

Sadly, I think these things are going to happen much more frequently going forward. :(
by alpenglow
Mon Oct 16, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6268

Re: Trash dumped on curb (need advice)

NightFall wrote:
Mon Oct 16, 2017 6:54 am
HOA's do not exist to be useful. They are a way for a minority of homeowner's to control their neighbors and a source of harassment and taxes.
How true. Well said.
by alpenglow
Mon Oct 16, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 2880

Re: Garage door opener on last leg

When I’ve done this in the past, I was able to buy the latest model Chamberlain at Home Depot an install the head unit right onto the existing hardware and rails - everything matched up. I stowed all the extra parts in the basement for awhile but eventually just threw them out. I did set the metal ...
by alpenglow
Sun Oct 15, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Deals on Halloween Candy
Replies: 13
Views: 1646

Re: Deals on Halloween Candy

My wife stocks up on "sugar candy" after Halloween for the following year. Since it is just corn syrup, food coloring, and artificial favor, it's dated a couple of years out. We keep it in a cool, dry place and we save 75-90% with clearance pricing. I happen to think that kind of candy is disgusting...
by alpenglow
Fri Oct 13, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7432

Re: How many miles/years do you keep your car?

About 10 years / 200k miles.
by alpenglow
Fri Oct 13, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Low cost 457 plans
Replies: 15
Views: 901

Re: Low cost 457 plans

What state? The NY Deferred Compensation Plan 457 is great.
by alpenglow
Fri Oct 13, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: SSA 2018 #'s
Replies: 7
Views: 1070

Re: SSA 2018 #'s

That's accurate. Here's the history of the max:

https://www.ssa.gov/planners/maxtax.html
by alpenglow
Thu Oct 12, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 37
Views: 2247

Re: Selling Tradelines

I've read about it but won't do it as it strikes me as sketchy and amoral.
by alpenglow
Wed Oct 11, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15101

Re: [Boglehead vs Mr Money Mustache philosophies]

Lastly, it's his thinking and life philosophy that I value. My goodness, he has a life philosophy that apparently millions of his viewers want to emulate, and I think most Bogleheads would like our friends and family to cut back on spending, reduce stress, learn to manage and invest their money, fe...
by alpenglow
Tue Oct 10, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: anyone else with 403b account missing at Vanguard
Replies: 6
Views: 926

Re: anyone else with 403b account missing at Vanguard

Does Schwab do this? I ask because I have both a Schwab and a Vanguard account, out of paranoia about having all my non-CD stuff in one place, but I hear enough of this Vanguard losing accounts stuff that I think maybe I should just move everything to Schwab. Maybe that's how they keep costs so low...
by alpenglow
Fri Oct 06, 2017 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 108
Views: 13810

Re: Changes to NYS Deferred Compensation Plan

how is everyone making out with this a few months in.... i was just looking over the full listings and checking ERs...i'm unsure why but. NYSDCB RUSSELL 2500 2.25 NYSDCB Equity Index 0.84 NYSDCB Debt Index 1.98 .... whaaaaaaat. What the.....!!!!!! I just noticed this as well. I'm calling my account...
by alpenglow
Mon Oct 02, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6350

Re: Are credit cards rewards worth it?

I believe TomatoTomahto is referring to the old PenFed Cash card that gave back 5% on gas. Unfortunately, this card is no longer available but some are "grandfathered". I think there is a Sam's Club card that gives 5% back on gas. As for your question about annual fee, only the Blue Cash Preferred h...
by alpenglow
Sat Sep 30, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Would you invest in O [Realty Income Corp] for dividend yield?
Replies: 8
Views: 1099

Re: Would you invest in O [Realty Income Corp] for dividend yield?

Why not just invest in VNQ / VGSIX (Vanguard REIT Index)? You get diversity and a similar yield.
by alpenglow
Fri Sep 29, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Weird, meaningless, but fun net worth threshold!
Replies: 13
Views: 2695

Re: Weird, meaningless, but fun net worth threshold!

Congratulations. This sort-of reminds me of the time that I opened a 3% IRA CD at PenFed and took out a 2.49% HEL (just missed 1.99%) from them for roughly the same amount. That amused me quite a bit.
by alpenglow
Wed Sep 27, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Pay With Gasbuddy Card
Replies: 18
Views: 1270

Re: Pay With Gasbuddy Card

Not to mention the PenFed 5% cash back gas card. Another happy user here. Cards are a game.. 5% gas and use it just for that. AMEX Blue Cash Preferred for 6% on the first $6K of groceries and use it just for that, then the rest gets the Fidelity 2% on everything Visa. $2Kto $3K a year in cash back ...
by alpenglow
Wed Sep 27, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Pay With Gasbuddy Card
Replies: 18
Views: 1270

Re: Pay With Gasbuddy Card

I'm still using the PenFed gas card with 5% back. Unfortunately, I don't think it's available anymore to new customers. I filled up yesterday at $2.60/gal so that's $0.13 off per gal.
by alpenglow
Wed Sep 27, 2017 6:25 am
Forum: Personal Finance (Not Investing)
Topic: HELOC w/ low or no initial draw
Replies: 11
Views: 1066

Re: HELOC w/ low or no initial draw

Thank you for your suggestions. I will look into DCU.
by alpenglow
Tue Sep 26, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: HELOC w/ low or no initial draw
Replies: 11
Views: 1066

HELOC w/ low or no initial draw

I recently paid off my mortgage but I'm considering opening a HELOC as something of an emergency fund/liquidity source. Can anyone recommend HELOC's with low or no initial draw. I'd also like a long draw period - up to 20 years would be ideal. Thanks.
by alpenglow
Mon Sep 25, 2017 10:50 am
Forum: Investing - Theory, News & General
Topic: fat-finger trades
Replies: 12
Views: 1363

Re: fat-finger trades

As a former trader, I can tell you that there was a process for reversing these things on NASDAQ. A firm could say that a trade was "clearly erroneous". I don't recall the exact rules or guidelines to establish "clearly erroneous" trades, but there was a process. I have been on both sides of those t...
by alpenglow
Sun Sep 24, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6544

Re: What is your favorite reasonably priced bourbon?

I'm enjoying a Russell's Reserve Single Barrel right now. :beer

Yum!!
by alpenglow
Sun Sep 24, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6544

Re: What is your favorite reasonably priced bourbon?

I think you've gotten a lot of suggestions that may be tough to make sense of. You might want to consider whether you like high-rye, low-rye, or wheated bourbon. I'm partial to high-rye bourbon and like full fledged rye whiskey quite a bit (High West Rendezvous Rye is my favorite). This guide from t...
by alpenglow
Sat Sep 23, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6544

Re: What is your favorite reasonably priced bourbon?

If you like Four Roses Small Batch, you'll probably also like Four Rose Single Barrel. I think it's a big step up.
by alpenglow
Fri Sep 15, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Equifax security manager had a music degree -- what?
Replies: 10
Views: 961

Re: Equifax security manager had a music degree -- what?

I studied Plant Science and had a very successful Wall St. career. So what?
by alpenglow
Thu Sep 14, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella insurance
Replies: 57
Views: 5867

Re: Turned down for umbrella insurance

Thanks for the data point. My photo is tricking you though, I'm in NY.
by alpenglow
Thu Sep 14, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella insurance
Replies: 57
Views: 5867

Re: Turned down for umbrella insurance

State Farm asks practically no questions when you buy umbrella insurance, and their policies are really cheap in my neck of the woods (at least if you don't have teenage children just learning to drive). They may require you to switch your HO and auto to them however. So you'll be shopping the whol...