Search found 1702 matches

by an_asker
Wed Jun 28, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Dealing with Annual Fee in old 401k
Replies: 4
Views: 217

Re: Dealing with Annual Fee in old 401k

House Blend wrote:
ruralavalon wrote:That's an annual fee of 0.00099%, so not a big concern.

Huh? $85 out of $53,000 looks like about 0.16% to me.

I think he compensated using the 0.06-0.08%, which was the amount that the employer concurrently lowered ER.
by an_asker
Tue Jun 27, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Losing job, seeking advice
Replies: 16
Views: 2154

Re: Losing job, seeking advice

Another vote for max the 401(k), unless it is a field where a similar paying job will be tough to find.
by an_asker
Tue Jun 27, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k admin fees
Replies: 13
Views: 475

Re: Vanguard 401k admin fees

Rupert wrote:I just want to re-emphasize a point that someone made earlier. It was your employer's choice to pass the costs of administering your retirement plan through to employees. Your employer could pay those costs itself, but it chooses not to. So you see who your problem is with; it's not Vanguard.

+1!
by an_asker
Tue Jun 27, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k admin fees
Replies: 13
Views: 475

Re: Vanguard 401k admin fees

Doug E. Dee wrote:I'd gladly pay the $100 annual fee instead of the .22% we get charged!

I knew I was not the only one!! :sharebeer
by an_asker
Tue Jun 27, 2017 10:28 am
Forum: Investing - Theory, News & General
Topic: Hypothetical Growth of Retirement Account (S&P 500 vs. Bond vs. International)
Replies: 9
Views: 650

Re: Hypothetical Growth of Retirement Account (S&P 500 vs. Bond vs. International)

HVe you seen this site which does these calculations for entire portfolios and includes rebalancing? https://www.portfoliovisualizer.com/backtest-portfolio Thanks for the helpful link. That said, unless I am missing something, I don't think it does exactly what I did. I used different contribution ...
by an_asker
Tue Jun 27, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Go with fidelity index funds or vanguard etfs in retirement account
Replies: 11
Views: 677

Re: Go with fidelity index funds or vanguard etfs in retirement account

Expense ratios are the same. Us total market, total international and total us bond for fidelity mutual funds and vanguard etfs. The plan costs for these two options may be different. I agree with this - I would use the Fidelity funds outside of the 401(k) which have no transaction fees (right?). T...
by an_asker
Tue Jun 27, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: (Almost) every day I make a financial mistake more costly than the day before
Replies: 39
Views: 3395

Re: (Almost) every day I make a financial mistake more costly than the day before

Dollar cost average your money or dump it all is in. Your "friend" is a friend only to him/herself. A pick pocket. Run away from this person. Investing is not different. Each time I even consider going into the financial management route (would involve a career change), this is exactly wh...
by an_asker
Tue Jun 27, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k admin fees
Replies: 13
Views: 475

Re: Vanguard 401k admin fees

I agree with the other responses. Be glad that the fee is not a percent of the asset like we get hit with here! :oops:
by an_asker
Tue Jun 27, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Hypothetical Growth of Retirement Account (S&P 500 vs. Bond vs. International)
Replies: 9
Views: 650

Re: Hypothetical Growth of Retirement Account (S&P 500 vs. Bond vs. International)

PFInterest wrote:are you arguing stocks win?

No, I am not arguing either way, though I was about to add an editorial comment to my OP, but decided to keep quiet :-)
by an_asker
Tue Jun 27, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Hypothetical Growth of Retirement Account (S&P 500 vs. Bond vs. International)
Replies: 9
Views: 650

Re: Hypothetical Growth of Retirement Account (S&P 500 vs. Bond vs. International)

HVe you seen this site which does these calculations for entire portfolios and includes rebalancing? https://www.portfoliovisualizer.com/backtest-portfolio Thanks for the helpful link. That said, unless I am missing something, I don't think it does exactly what I did. I used different contribution ...
by an_asker
Mon Jun 26, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Won an ATV in a raffle...now what?
Replies: 39
Views: 2831

Re: Won an ATV in a raffle...now what?

Just a thought: $5k after tax is better than $0 before (and after)-tax!
by an_asker
Mon Jun 26, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 7207

Re: Where to find a financially like-minded significant other?

I too have immigrated to the U.S. from Europe (Soviet Union) at about the same age . . . Victoria, thanks for sharing that. I had no idea you were an immigrant, and from the Soviet Union. Your command of the English language is excellent and I have always enjoyed your thoughtful and witty posts. Hi...
by an_asker
Mon Jun 26, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Hypothetical Growth of Retirement Account (S&P 500 vs. Bond vs. International)
Replies: 9
Views: 650

Hypothetical Growth of Retirement Account (S&P 500 vs. Bond vs. International)

The last few weeks, I have seen a couple of folks sharing their retirement account progressions. Inspired by those posts and as I had some free time on my hands, I decided to do some research to visualize the effects of compounding. What kind of a nest egg would a person have if he/she maxed out on ...
by an_asker
Fri Jun 23, 2017 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Selling older car vs. keeping it for low level use
Replies: 55
Views: 8721

Re: Selling older car vs. keeping it for low level use

What if the question is the same as yours, but the dollar figure is $700 instead of $7000? We are in same boat. CarMax offered $500 for our 1997 Toyota Camry with 176,000 miles. It's been on Craigs List for $1500 o/bo and no bites. I thought Toyota Camrys are advertised as retaining their resale va...
by an_asker
Fri Jun 23, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Selling older car vs. keeping it for low level use
Replies: 55
Views: 8721

Re: Selling older car vs. keeping it for low level use

Lots of questions like these can be turned around to get a different perspective. What if someone asked you; "I have $7000 sitting in the bank, should I buy a used car just so that I can have it for these occasional uses?" Most likely you would think they were crazy, but it is the same qu...
by an_asker
Thu Jun 22, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: Email from VG - Vanguard Rep is on Leave ??
Replies: 22
Views: 2728

Re: Email from VG - Vanguard Rep is on Leave ??

The "leave" part is none of anyone's business, so what info did you need or expect? When you go on leave or went on leave earlier in your life, what info did the public have about that? I would think the issue is why OP even got the email?! The leave should be none of OP's business and it...
by an_asker
Thu Jun 22, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: 500K Retirement Account Milestone
Replies: 27
Views: 4419

Re: 500K Retirement Account Milestone

[...]I would think now we understand a pullback in the market is good. We relize now it is a great buying time. But this only came with experience. Like so much other things we do in life. Comes with experience. Or reading the right books/forums at the right time. Remember, the experience does not ...
by an_asker
Wed Jun 21, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: 500K Retirement Account Milestone
Replies: 27
Views: 4419

Re: 500K Retirement Account Milestone

Congratulations! I like the chart - will try to model our own progress similarly. Don't know why I never considered creating a chart before. It is nice to see that divergence between the contributions and total assets! I've followed my progress in in a spreadsheet for several years, but a visual re...
by an_asker
Wed Jun 21, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: 500K Retirement Account Milestone
Replies: 27
Views: 4419

Re: 500K Retirement Account Milestone

This milestone has been evading me for a few weeks, but I finally got over the $500,000 mark in my retirement accounts! I've been keeping a spreadsheet of my yearly contributions to my 401K and Roth IRA. Graphing out my cumulative contributions vs. year-end retirement account balances has been eye-...
by an_asker
Tue Jun 20, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 57
Views: 4067

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

rgs92 wrote:I wouldn't let anyone I care about drive around in a car with 155K miles.

I am assuming none of them made it to this thread then ;-)
by an_asker
Tue Jun 20, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Credit card for expat
Replies: 20
Views: 1077

Re: Credit card for expat

We would give a very big +1 on the Chase Sapphire Reserve card. We use it for everything while on assignment in China. It has no international transaction fees, and we've found the rewards program to work out far better for us (3% on travel and dining expenses) plus those points can be transferred ...
by an_asker
Tue Jun 20, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Has Vanguard gotten too big?
Replies: 30
Views: 4048

Re: Has Vanguard gotten too big?

[...]I work for a medium business that uses salesforce heavily, and we pay them several hundred thousand dollars per year for <300 users. When you charge $3,000/year/GB of storage, you can certainly afford to back it with good support.[...] This is completely OT, but why do you - as a company - pay...
by an_asker
Tue Jun 20, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 57
Views: 4067

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

WOW, yup, glad you have a good paying job since you got taken for a ride on those prices. I hope you were the one that cheaped out on only replaced half the coil packs, and not the mechanic because that is extremely lazy. You can get a whole set of coil packs for 100-150 bucks plus plugs are very c...
by an_asker
Fri Jun 16, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: contribution of more than $18,000 to 401k - no refund?
Replies: 31
Views: 1783

Re: contribution of more than $18,000 to 401k - no refund?

Dude2 wrote:[...]Would you not agree that there are subtleties to the English language that are completely overlooked by non native speakers or those that didn't do so well in school?

Or by native speakers who are not so good with their communication skills!! :oops:
by an_asker
Thu Jun 15, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: When you purchase shares, where does the money go?
Replies: 19
Views: 1511

Re: When you purchase shares, where does the money go?

That makes sense - shareholders need to be asked as they will get diluted! Now, do companies typically hold back a bunch of shares? I am assuming they do, how else do they give (restricted or unrestricted) shares to employees? So, if they do, what fraction of the total number of shares would be typ...
by an_asker
Thu Jun 15, 2017 12:54 pm
Forum: Investing - Theory, News & General
Topic: When you purchase shares, where does the money go?
Replies: 19
Views: 1511

Re: When you purchase shares, where does the money go?

That makes sense - shareholders need to be asked as they will get diluted! Now, do companies typically hold back a bunch of shares? I am assuming they do, how else do they give (restricted or unrestricted) shares to employees? So, if they do, what fraction of the total number of shares would be typi...
by an_asker
Thu Jun 15, 2017 12:38 pm
Forum: Investing - Theory, News & General
Topic: When you purchase shares, where does the money go?
Replies: 19
Views: 1511

Re: When you purchase shares, where does the money go?

The company selling shares can also choose to issue additional stock after the IPO and sell it on the open market. On the other side, they can also choose to buy back shares at market prices. I don't know why I didn't think of this question before - can a company issue additional shares anytime the...
by an_asker
Thu Jun 15, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Started a new job - Need advice on health insurance
Replies: 19
Views: 1085

Re: Started a new job - Need advice on health insurance

I would suggest some further research. The HSA plans are usually linked to high deductible plans, great for "invincible" singles but a family with a small child I would look further into it. Read the Summary Plan descriptions, any tools that compare plans and ask around the other employee...
by an_asker
Wed Jun 14, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Am I calculating correctly
Replies: 11
Views: 628

Re: Am I calculating correctly

So the total 2016 expenses are 64 K and taxes are roughly 16K ( fed state income tax as well as FICA) ... 120 + 38 ( dividends) = 158 .. 158 - 64 -16 = 78 K ... different story if I do not include dividends as somebody mentioned, but why should 't I as dividends are a form of passive income ? You a...
by an_asker
Wed Jun 14, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Am I calculating correctly
Replies: 11
Views: 628

Re: Am I calculating correctly

So the total 2016 expenses are 64 K and taxes are roughly 16K ( fed state income tax as well as FICA) ... 120 + 38 ( dividends) = 158 .. 158 - 64 -16 = 78 K ... different story if I do not include dividends as somebody mentioned, but why should 't I as dividends are a form of passive income ? You a...
by an_asker
Wed Jun 14, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Bought $31K Stocks Today: Am I Mad?
Replies: 32
Views: 3562

Re: Bought $31K Stocks Today: Am I Mad?

Today I decided to add some more stocks to my portfolio in order to reach a 75% stock 25% bond/cash allocation. Thus I bought: $14,000 Vanguard S&P Index Admiral (VFIAX) $7,900 Vanguard Extended Market Admiral (VEXAX) $7,900 Vanguard Small-Cap Value Admiral (VSIAX) $1,200 Vanguard Consumer Stap...
by an_asker
Wed Jun 14, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: I'm going to be rich! [Fidelity retirement planner]
Replies: 31
Views: 5216

Re: I'm going to be rich!

jlcnuke wrote:
in 2080


in 2080

2080...


I'll be long dead by then lol

By then, FL would be underwater (literally) ... and so I would need to remove our real estate from the equation :oops:
by an_asker
Wed Jun 14, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 553
Views: 134635

Re: Share your net worth progression

[...]We are roughly a decade and a half past our decision that I would be a SAHD. At the time, our incomes were roughly equal. DW's career growth has been wonderful. My initially "missed" income was soon swamped by DW's income created by the freedom to "go for it" without worryi...
by an_asker
Wed Jun 14, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 553
Views: 134635

Re: Share your net worth progression

We seemed on paper to stall out the year DH decided to become a SAHD, but I want to call out that we spent a lot of money on home repairs in that time (the home we had to sell recently - looking back they were not good expenditures) AND his transition to being at home has allowed me to have good ca...
by an_asker
Tue Jun 13, 2017 7:26 am
Forum: Personal Consumer Issues
Topic: How to backup Mini-DV tapes?
Replies: 10
Views: 785

Re: How to backup Mini-DV tapes?

Cannot tell about quality because I never compared with any other method, but I purchased a DVD recorder, hooked up my camcorder to it using the three wires (not being a professional, all I can say is that they were the standard white, red and yellow wires!!), and recorded into the DVD. Yes, that me...
by an_asker
Mon Jun 12, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: Got a parking ticket - what to do?
Replies: 44
Views: 3010

Re: Got a parking ticket - what to do?

Disclaimer: This does not really address the question on what needs to be done because a) OP was not at fault b) the ticket does not have the correct licence plate information. Let me put on my Sherlock Holmes cap to deduce what might have happened. The parking attendant must have marked the car som...
by an_asker
Mon Jun 12, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 1808

Re: Best way to book multi-city international airfare itinerary?

I priced it out on United.com for about $1990. The key here is that the best fare is available only through 2:30 pm on 12/14 out of XNA, else it jumps by a few hundred bucks! Doesn't surprise me. 12/14 is the last day of final exams at Univ. of Arkansas. So the flood of college students leaving Fay...
by an_asker
Mon Jun 12, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 1808

Re: Best way to book multi-city international airfare itinerary?

I priced it out on United.com for about $1990. The key here is that the best fare is available only through 2:30 pm on 12/14 out of XNA, else it jumps by a few hundred bucks!
by an_asker
Mon Jun 12, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Expense Ratio Advantage
Replies: 37
Views: 2776

Re: Vanguard Expense Ratio Advantage

Don't know how true this is, but I cannot believe that one third of the AUM with Vanguard is with non-index funds!! When someone points to Schwab index funds beating Vanguard's on expense ratios, why then do folks always point to Schwab's non-index funds?!!
by an_asker
Mon Jun 12, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Advance career or take more time off in late 30s?
Replies: 15
Views: 1774

Re: Advance career or take more time off in late 30s?

Hello, I am a contracted software developer living in the Midwest and at a crossroads between accepting a new job with a new employer or staying with my current employer. I am unsure what to do and I am hoping the folks on this board can help me decide by removing the emotion from my decision, and ...
by an_asker
Mon Jun 12, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Rental Property Repairs - Whose to Pay?
Replies: 32
Views: 2771

Re: Rental Property Repairs - Whose to Pay?

Tough crowd. During my college years (there were a lot of them) I lived in five different apartment complexes in three different states. Something always broke (maybe I'm clumsy) and of course the carpet was dirty by the time I left. Accidents happen. And remember, apartments are small so they rece...
by an_asker
Mon Jun 12, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 7932

Re: College admissions question - she got a "C"

... That is the a VERY U.S. centric point of view. You have been brainwashed for so long you don't realize it. There are MANY countries (including the largest population in the world, i.e. India) that has no college. ... Your assertion is false on its face . PJW Umm no not false. Maybe you should d...
by an_asker
Mon Jun 12, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 2608

Re: Vue/Sling tv users--what do you miss?

Been looking into playstation vue or sling TV as alternatives to cable. I would save close to $60/month. I have the newer xfinity cable which is very nice. Slick menus, fast, voice remote.. Is there anything you miss/dislike about it. I have done the free trial. Not having CBS is kinda a pain, week...
by an_asker
Sun Jun 11, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 7932

Re: College admissions question - she got a "C"

[...]That is the a VERY U.S. centric point of view. You have been brainwashed for so long you don't realize it. There are MANY countries (including the largest population in the world, i.e. India) that has no college.[...] Good luck. Huh?!! Where did THAT come from? What do you mean when you say In...
by an_asker
Sun Jun 11, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: International *non-expat* assignment
Replies: 8
Views: 670

Re: International *non-expat* assignment

Obviously, I cannot speak to the salary aspect of it, and/or ability to ease back into the USA. Also, no clue about healthcare costs, housing, food expenses, etc. Surely the salary is competitive, I mean it should be more than just converting current US salary plus there should be some perks - housi...
by an_asker
Sat Jun 10, 2017 9:40 pm
Forum: Investing - Theory, News & General
Topic: Friday's Dow Jones Industrial +89.44
Replies: 24
Views: 2355

Re: Friday's Dow Jones Industrial +89.44

This post should be a sticky to teach folks to learn and understand what they are bartering when they buy or sell ANY security. One should have at least a rudimentary understanding of the stock market, even if the money is automatically going in there via payroll deductions. Else, one ought not part...
by an_asker
Thu Jun 08, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: Why You Still Can’t Trust Your Financial Adviser
Replies: 54
Views: 5609

Re: Why You Still Can’t Trust Your Financial Adviser

Lieutenant.Columbo wrote:
BogleMelon wrote:If I die, my wife knows that she has to consult my only FA that I trust...
up until this point, what came to mind first was "what if FA dies too?', and then, somehow, Hitchcock's 1985 Final Escape came to mind...

... or retires and quits his firm without bothering to let clients know! :oops:
by an_asker
Wed Jun 07, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Expense Ratio Advantage
Replies: 37
Views: 2776

Re: Vanguard Expense Ratio Advantage

Given that Vanguard is mutually owned by its customers rather than a for-profit enterprise[...] I just thought of this - as a part 'owner' of Vanguard for over two decades, I cannot recall ever having had to vote for any organizational structure changes or mutual fund decisions. Have I missed readi...
by an_asker
Wed Jun 07, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Ex-dividend
Replies: 17
Views: 1292

Re: Ex-dividend

The date of 6/19/17 listed at Vanguard is termed the "Declaration Date". I just didnt know how that related to the "ex-dividend date".. Vanguard just told me that I could buy that fund on 6/20 and not receive a dividend payout and would be buying the fund at the reduced share pr...
by an_asker
Wed Jun 07, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 529 - Where's the Love?
Replies: 19
Views: 1690

Re: Fidelity 529 - Where's the Love?

khaleesi1 wrote:I'm a Fidelity loyalist (pun intended), and the only reason I don't have a Fidelity 529 is because I can't get the state income tax deduction using one so I have an NY 529. [...]

I'm sorry I've missed the pun!!

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