Search found 394 matches

by alpenglow
Tue Jul 18, 2017 7:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6093

Re: Vanguard 403b Changes

*3!4!/5! wrote:It appears that "sschullo" has expertise on 403bs, and wants to advocate for better retirement plans, and wishes to see the letter so as to gather pertinent information.


:oops:
by alpenglow
Tue Jul 18, 2017 6:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6093

Re: Vanguard 403b Changes

FiveK wrote:Also seems we agree on what one can and should do. :sharebeer


Glad to hear he's already done a rollover! :sharebeer
by alpenglow
Tue Jul 18, 2017 5:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6093

Re: Vanguard 403b Changes

FiveK wrote:
alpenglow wrote:Why not rollover to an IRA and avoid the fee?
That would be good, except most 403b plans don't allow it until one leaves employment with that employer.


He said he was retired.
by alpenglow
Tue Jul 18, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6093

Re: Vanguard 403b Changes

sschullo wrote:Can Vanguard's letter be posted here? Or who would I call to request a copy?
Since I am a retired teacher, I am no longer a district employee.
thanks,
Steve


Why not rollover to an IRA and avoid the fee?
by alpenglow
Sat Jul 15, 2017 6:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6093

Re: Vanguard 403b Changes

ResearchMed wrote:
Is this for ALL 403b plans, large and small?

We've heard nothing.

Thanks.

RM


I'm assuming this is for all 403b plans, though I don't know for certain. If I were at work I'd scan the letter and post it.
by alpenglow
Fri Jul 14, 2017 5:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6093

Re: Vanguard 403b Changes

Supposedly many people were calling and asking to pay higher fees. Sounds unlikely, but I consider it a complete breach of trust. I'm always looking to pay more fees. :shock: I completely agree that Vanguard failed their customers here. I guess there aren't too many Vanguard 403b customers on this ...
by alpenglow
Fri Jul 14, 2017 3:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6093

Re: Vanguard 403b Changes

I just remembered that when I started my job I was given the option of TIAA, Vanguard, or Fidelity, so I might check to see if I am allowed and if it's worth moving the whole thing to Fidelity if I'm still this annoyed next week. You are lucky to have those options. I used to have Fidelity and TIAA...
by alpenglow
Fri Jul 14, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6093

Re: Vanguard 403b Changes

I have Voyager status, so I'm paying nothing. Similarly to you feehater, I went from $0 in fees to about $1200 in fees until I can rollover at retirement. I will be reaching out to Vanguard with my displeasure. While I can't "vote with my feet" on this account, there is a good chance that ...
by alpenglow
Fri Jul 14, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6093

Re: Vanguard 403b Changes

This came directly from Vanguard, not my employer nor their processor (OMNI Group).
by alpenglow
Fri Jul 14, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6093

Vanguard 403b Changes

I received a letter this morning from Vanguard describing the changes being made to their 403b plan. It seems they are adding a new layer of bureaucracy via the Newport Trust Company as record keeper. For this added service, there will be a $5 monthly fee. At this time, I'm paying nothing for my 403...
by alpenglow
Sat Jul 08, 2017 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 1700

Re: Buying a house in FEMA flood zone X

My house is in Flood Zone X unshaded. I can say that the nearby area of Flood Zone X (shaded) did flood while I have lived here with water in some houses. I can say that nearby areas in Flood Zone X unshaded had street flooding deep enough that one could not drive their cars through it. I can say t...
by alpenglow
Fri Jul 07, 2017 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Paid off the Mortgage!
Replies: 73
Views: 5177

Re: Paid off the Mortgage!

Nice job! I hope to be in your shoes by the end of the year.
by alpenglow
Thu Jun 22, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 4645

Re: What do you say when you cancel an account that you only opened for bonus?

The bank is offering the bonus because they want you to try their product because they think they can get your business by offering a better product. The incentive is their foot in the door. If it isn't a better product, or isn't worth the hassle of changing all of your billpay, direct deposit, etc...
by alpenglow
Tue Jun 13, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: BlackRock Japan Equity Tracker Fund D Acc
Replies: 4
Views: 291

Re: BlackRock Japan Equity Tracker Fund D Acc

Why would you want to boost your holdings in Japanese stocks in particular? Why not Belgian stocks or Canadian stocks? LifeStrategy, assuming it is a VG fund, would be market cap weighted. What makes you want to go outside of that?
by alpenglow
Fri Jun 02, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Fidelity 2000 'bonus points'
Replies: 32
Views: 2299

Re: Fidelity 2000 'bonus points'

Our offer has the bonus starting at $1200. We don't spend much money.
by alpenglow
Tue May 30, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Complexity In Funds Will Cost You
Replies: 11
Views: 1159

Re: Larry Swedroe: Complexity In Funds Will Cost You

matjen wrote:Except for AQR's QSPIX... :-) :beer


- :twisted: you beat me to it.
by alpenglow
Thu May 18, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3498

Re: Rice Cooker

We use our Zoji at least once a week. It does a nice job on wild rice and quinoa too. Great kitchen tool!
by alpenglow
Wed May 17, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Cheshire County New Hampshire: Which town for retirement?
Replies: 14
Views: 1558

Re: Cheshire County New Hampshire: Which town for retirement?

While there are some nice towns in Cheshire County and I enjoy going across the river to Brattleboro, VT, I like the Upper Valley area better. I feel like there is more going on, especially with Dartmouth College in Hanover - sports, arts, etc. Taxes and home prices vary considerably, but there are ...
by alpenglow
Thu May 04, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 27280

Re: Where to Live on $60K or Less a Year?

What about a more affordable suburb of some of those places on your list? Take Longmont, CO, for example (which I only know of thanks to Mr. Money Mustache... who claims to live off a lot less than $60K, incidentally). You get the same weather and nearby mountains as Boulder or Denver, plus a simil...
by alpenglow
Fri Apr 28, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Bronx Zoo Free Day
Replies: 4
Views: 393

Re: Bronx Zoo Free Day

A friend of mine just experienced this. Not only was it a Wednesday, it was also during school break. There was a literal traffic jam approaching the zoo. By the time they got there, they turned around and went home. I'd avoid the free day.
by alpenglow
Thu Apr 20, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 39387

Re: Larry Swedroe says "Goodby."

Honestly, I give Larry a lot of credit for staying around as long as he has. I wouldn't have been as patient!

Thank you Larry for all you've contributed. I've learned a lot from you!
by alpenglow
Fri Apr 07, 2017 8:26 am
Forum: Investing - Theory, News & General
Topic: Ben Carlson Managed futures & dealing with uncorrelated assets
Replies: 8
Views: 1022

Re: Ben Carlson Managed futures & dealing with uncorrelated assets

These funds are hard to benchmark. There are no real index funds to compare to in alternatives so it’s hard to make apples-to-apples comparisons on performance numbers. Investors have a hard time understanding if their funds are working or not. This is one of the biggest problems I have with these ...
by alpenglow
Wed Apr 05, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Buying House with Odor (not cigarette)
Replies: 36
Views: 2989

Re: Buying House with Odor (not cigarette)

My sister in-law bought a house that smelled. It's been about 8 years now and it still smells. Anything that comes from her house smells. The whole family needs to change clothes as soon as we get back from her place. It even gets into our hair. Terrible. Part of the smell is from an oil leak in the...
by alpenglow
Mon Mar 27, 2017 9:23 am
Forum: Investing - Theory, News & General
Topic: Why are international and US stocks down today?
Replies: 53
Views: 3886

Re: Why are international and US stocks down today?

in_reality wrote:I think it has to do the that escalator in Hong Kong that went the wrong way. Just like bird flu apparently it's contagious.


Huh. :confused I thought it was due to "Leggings-Gate".

https://www.nytimes.com/2017/03/26/us/u ... .html?_r=0
by alpenglow
Thu Mar 23, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: I open an out-of-state 529 plan. Was I stupid?
Replies: 12
Views: 888

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

As others have posted, you are turning down a generous NY State tax deduction by going out of state. The fees on the NY plan are also quite competitive.
by alpenglow
Wed Mar 22, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 6377

Re: Vehicles as a percentage of net worth

For fun, I figured out that our 2 cars valued using KBB are about 2% of our net worth ($25k/$1200k). We're in our early 40's FWIW and barely make 6 figures.
by alpenglow
Mon Mar 20, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: State Farm
Replies: 34
Views: 2898

Re: State Farm

I switched to State Farm last year, bundling home and auto, when my existing insurer wouldn't cover a solar installation. I'm saving a decent amount of money with the switch and my agent has been super responsive to any concerns. I'm very happy with State Farm.
by alpenglow
Mon Mar 13, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 20094

Re: gratuitous homeownership items

Rupert wrote:It appears the big loser in this thread is the giant, jetted bathtub. Swimming pools are a close second. Are you listening home builders?


and
It looks like a nice view is the big winner.
by alpenglow
Sun Mar 12, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 20094

Re: gratuitous homeownership items

Nate79 wrote:More space than we really need. Surely could have bought a smaller house and it would have been fine.


Our house is much too large. We looked for a smaller house but most needed a lot of work. Our current house represented the best value we could find. When the kids are grown we'll be downsizing.
by alpenglow
Sun Mar 12, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 20094

Re: gratuitous homeownership items

I'm really enjoying this thread. Sometimes I like to think about the changes I'd make to my house or the features I'd want in new construction. It seems like BH philosophy applies to homes too - simpler is usually better. We are the second owners of our current house. Gratuitous (a favorite word of ...
by alpenglow
Sun Mar 05, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire TV Stick with KODI - Anyone try this?
Replies: 17
Views: 2568

Re: Amazon Fire TV Stick with KODI - Anyone try this?

Adding Kodi to a Fire Stick is easy. Kodi is a legal product. Unfortunately, people use it for lots of illegal things. I know plenty of people that use it for illegal steaming, but I won't have any of that.
by alpenglow
Fri Mar 03, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Conservative Portfolio
Replies: 18
Views: 1866

Re: Tax Efficient Conservative Portfolio

How old are you? What tax bracket are you in? What is your state tax bracket?
by alpenglow
Thu Mar 02, 2017 6:56 pm
Forum: Investing - Theory, News & General
Topic: Paul Kangas passed away
Replies: 23
Views: 3996

Re: Paul Kangas passed away

I have fond memories of watching Paul Kangas on NBR with my Dad when I was a kid.
by alpenglow
Thu Feb 23, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to ditch my target date fund in 457b?
Replies: 15
Views: 1507

Re: Good time to ditch my target date fund in 457b?

This was the email I received from NYSDCP in response to my inquiry regarding the investment changes (bold added by me). "We do not have any information or updates on the funds at this time. If there is a change of investments, or if your funds are to be mapped to a new investment we will notif...
by alpenglow
Thu Feb 23, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to ditch my target date fund in 457b?
Replies: 15
Views: 1507

Re: Good time to ditch my target date fund in 457b?

That sounds like a great plan to me. You are fine without the mid-cap due to overlap from the other funds. I use NYSDCP 457 as well and love the institutional fund access, though I agree that the International options are poor. Like you, I invest in International elsewhere (IRA). FWIW, it looks lik...
by alpenglow
Thu Feb 23, 2017 11:05 am
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 5284

Re: VTIAX now has 0.11% ER

mhc wrote:Awesome!

I can now retire 10 minutes earlier. :twisted:


Sweet deal!! 8-)
by alpenglow
Thu Feb 23, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Good time to ditch my target date fund in 457b?
Replies: 15
Views: 1507

Re: Good time to ditch my target date fund in 457b?

That sounds like a great plan to me. You are fine without the mid-cap due to overlap from the other funds. I use NYSDCP 457 as well and love the institutional fund access, though I agree that the International options are poor. Like you, I invest in International elsewhere (IRA). FWIW, it looks like...
by alpenglow
Thu Feb 23, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) "Fixed Return of 7%" Election Question
Replies: 24
Views: 2124

Re: 403(b) "Fixed Return of 7%" Election Question

Too good to be true. No, it's legit. Given expected returns for stocks and bonds, I'd put 100% of my 403(b) in this option. As others have mentioned, I'd monitor for any changes in the rate. There are many tough places to teach in NYC and I don't know what the pay is, so this is a nice perk. I woul...
by alpenglow
Wed Feb 22, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 12970

Re: Get $250 from Wells Fargo

keaton wrote:but ohh was it nice to get money off of Wells Fargo.


:sharebeer
by alpenglow
Wed Feb 22, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 12970

Re: Get $250 from Wells Fargo

pennstater2005 wrote: Usually I like bonuses for statement credits but as this one will take so long to actually post I'll just have the check mailed.


Thanks for the info!
by alpenglow
Tue Feb 21, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 12970

Re: Get $250 from Wells Fargo

Just wanted to bump this post and see if anyone else has successfully received this bonus without directly receiving the offer? If so, what date did you apply? Yes, the bonus was received without being targeted. My wife and I both applied around Jan 18. We funded our accounts with a credit card. Th...
by alpenglow
Sat Feb 18, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Visiting the National Parks
Replies: 27
Views: 1835

Re: Visiting the National Parks

dm200 wrote:
I have actually been to American Samoa (on business about 20 years ago). I don't recommend it.


What didn't you like? Not that I have any plans to visit AS - more curious than anything else.
by alpenglow
Fri Feb 17, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 5258

Re: Vanguard Web Site Down?

Angst wrote:I'm in now.


Me too, but the site is *very* slow.
by alpenglow
Sat Feb 11, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: What triggers a wave of credit offers?
Replies: 8
Views: 1270

Re: What triggers a wave of credit offers?

Maybe there is a cycle to these things. I've gotten quite a lot of those checks lately.
by alpenglow
Sat Feb 11, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 12970

Re: Get $250 from Wells Fargo

Wells Fargo is the worst of the worst in my book. My first mortgage was great but my refinance was a nightmare. They continued to autopay my mortgage for a month after it was closed. I was making extra payments plus biweekly payments, so it was a significant amount of money. It took a month and half...
by alpenglow
Wed Feb 08, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 8596

Re: A Wellesley alternative

Please help me out here, was it the word consistent or performance that you felt I misunderstood?

Most of us here understand that past performance doesn't predict future results.
by alpenglow
Wed Feb 08, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 8596

Re: A Wellesley alternative

groovy9 wrote:AND it consistently performs.


Until it doesn't.
by alpenglow
Sun Feb 05, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Single Malt Scotch-time for another thread?
Replies: 69
Views: 6989

Re: Single Malt Scotch-time for another thread?

Suggestions on where to find it in the US? It seems the distributer is Pacific Edge based out of CA. Best if I can find it in New Mexico but otherwise can pick up a bottle on travel...... I bought it in NY at this store on LI. I'm not sure if they ship to NM. http://www.shopthewineguyli.com/r/produ...
by alpenglow
Sun Feb 05, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Single Malt Scotch-time for another thread?
Replies: 69
Views: 6989

Re: Single Malt Scotch-time for another thread?

Strayshot wrote:some of the better port finished scotches seem to be very difficult to get in the US


If you like peat and port I would highly recommend the 11 year Port aged Longrow Red (they do a different red wine finish each year). I think I'll have a dram tonight!

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