Search found 6 matches

by cranzel
Fri Jun 16, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 29
Views: 2109

Re: USAA opinions. Worth it?

Been a USAA member for over 45 years. I like their insurance coverage for the service. The rates can be beaten, but they are not astronomical and they return a portion based on their fiscal performance yearly. I have never compared the reduced rate after receiving the check so it compares more favor...
by cranzel
Tue Jun 13, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: 403b Loan or reduce contribution for home purchase?
Replies: 9
Views: 354

Re: 403b Loan or reduce contribution for home purchase?

Make sure you read all of the stipulations of that loan and understand them if you do it. I don't know how uniform these loans are across plans or types of plan, so these may have nothing to do with your situation (they were from a 401k loan,): 1. The money will likely come due within a pretty short...
by cranzel
Fri Jun 02, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: How does a mere mortal navigate healthcare/insurance issues
Replies: 50
Views: 4676

Re: How does a mere mortal navigate healthcare/insurance issues

A while back I ran into a situation with a bill from a physical therapist and the amount of visits "per injury" (if I recall correctly) available through my wife's work insurance for work done prior to a surgery and then needing PT after surgery. While not the same thing, the calls we made...
by cranzel
Tue May 23, 2017 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Transaction Receipts for Expenses / Too Complicated?
Replies: 8
Views: 830

Re: Transaction Receipts for Expenses / Too Complicated?

I had a really long rant typed. Several actually, but I realize that no one responding to me or reading me on this site needs to be ranted at. If any tone or venom exists in this it is not aimed at anyone who is taking the time to volunteer a response to my ignorance, so any irritation felt is not i...
by cranzel
Fri May 19, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Transaction Receipts for Expenses / Too Complicated?
Replies: 8
Views: 830

Re: Transaction Receipts for Expenses / Too Complicated?

I would suggest you start by reading the annual report for a fund like VTSAX to get a better understanding of the different costs that the mutual fund company has to run the fund. Thanks. I read it again. It definitely accounts for the expenses for the fund as a whole. It does not show the mechanis...
by cranzel
Thu May 18, 2017 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Transaction Receipts for Expenses / Too Complicated?
Replies: 8
Views: 830

Transaction Receipts for Expenses / Too Complicated?

First post. Thanks to this site (FeeX as well) and the Bogleheads book for opening my eyes to the cost of my investments. Last year I started with a new employer and while trying to figure out what to do with my old 401k I found FeeX and subsequently Bogleheads. I went on my own with Vanguard and go...

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