Search found 1056 matches

by flamesabers
Mon Aug 21, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 29
Views: 2507

Re: Any veterinarians that can quickly weigh in re: estimate?

OP, If you're still wondering for future reference, here's what I paid today for my cat's dental treatment. (Turned out to be 3 teeth instead of just 1 that needed to be extracted). Cleaned & Polish Teeth-$71.50 Pre-Anesthetic Blood Prof +CBC-$99.50 Isoflurane Anesthesia<40# First Hour-$195.90 Anest...
by flamesabers
Wed Aug 16, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Should I put other jobs on my resume?
Replies: 14
Views: 941

Re: Should I put other jobs on my resume?

25y/o. I am seeking hospital jobs but am currently tutoring on the side (after 5pm). I am wondering if I should put my self-employed tutoring work and my own tutoring business and website on my resume? I plan to work these 2 jobs. The tutoring is easy for me to dial back on as I am not an employee....
by flamesabers
Tue Aug 15, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Problem with Vanguard Account Profile-% of Completion
Replies: 5
Views: 696

Re: Problem with Vanguard Account Profile-% of Completion

I found the answer to my own question. When I submitted a transaction today, the website prompted me to choose how I wanted to receive notifications. I selected electronic delivery for everything and now the account profile of completion says I'm good with e-delivery.
by flamesabers
Mon Aug 14, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Which Audible book for Mom to convince her to get away from Raymond James
Replies: 19
Views: 1793

Re: Which Audible book for Mom to convince her to get away from Raymond James

Perhaps instead of an audible book, how about you just present her the numbers in terms of ER between Raymond James and inexpensive index funds? I believe Vanguard has some tools on their website you could use to illustrate the huge difference in cost between indexes and actively managed funds. If t...
by flamesabers
Mon Aug 14, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: 30,000 in Checking Account
Replies: 61
Views: 7837

Re: 30,000 in Checking Account

OP,

Depending on what your overall asset allocation is, I would recommend putting your excess $15k in one of Vanguard's equity index funds as a taxable account.
by flamesabers
Fri Aug 11, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 3610

Re: How to not obsess over investments?

OP, How are you checking your investments? If it's with a mobile app, uninstall the mobile app from your phone. Or you could downgrade to a dumb phone if necessary. If it's via your computer, I would suggest setting a time once a week to check your investments and leave it at that. If it's too hard ...
by flamesabers
Fri Aug 11, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 4035

Re: Where To Put My Emergency Fund?

Credit unions don't use FDIC. They use NCUA which is very similar. The banks have been trying to keep NCUA limits below FDIC limits for years because they don't like the competition, but NCUA was successfully increased to $250K as well. So all Credits Unions are NCUA no matter what, correct? Are th...
by flamesabers
Fri Aug 11, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 4035

Re: Where To Put My Emergency Fund?

Sorry for the run around here. But I just found out today that my company offers a Credit Union with a 2% interest payment on deposits up to $25k. So I am now taking a look at this. Though I am not that familiar with Credit Unions. Are they FDIC insured, what should I look out for before putting mo...
by flamesabers
Fri Aug 11, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 4035

Re: Where To Put My Emergency Fund?

Precisely. It sounds like anything less than an FDIC insured account is too risky for him. In that case, an online savings account with someone like Ally is probably about the best he can do as far as interest rates go since six month CD rates are below 1%. The Navy Federal Credit Union has a CD of...
by flamesabers
Fri Aug 11, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Navy Fed CU 5-month 3% $10k CDs
Replies: 7
Views: 1447

Re: Navy Fed CU 5-month 3% $10k CDs

Sigh... no 'donate $5 to this charity to be eligible to join the credit union' option. I don't think it's really worth joining for this CD. It's a $10k max and only a 5 month CD. It's $125. There are better bonus options out there for opening bank accounts, I believe. I agree. You could get more mo...
by flamesabers
Fri Aug 11, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: What percent credit utilization is best?
Replies: 15
Views: 1528

Re: What percent credit utilization is best?

I don't want a range, what do you think is the exact best number? I've heard 4.5% is the sweet spot, but also 2.5%. What do you guys think? I think the common recommendation is to keep it under 30%. Unless you're applying for a loan sometime soon and you're borderline between having good and excell...
by flamesabers
Fri Aug 11, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house as a student
Replies: 27
Views: 1327

Re: Buying a house as a student

I agree with the others about continuing to rent versus buying a house. There are too many uncertainities in your life right now: where you're going to start your career, when/if you decide to settle down and have a family, etc. I think the time to buy a house is when it's economically and personall...
by flamesabers
Fri Aug 11, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Diversify Your Emergency Fund?
Replies: 32
Views: 2206

Re: Diversify Your Emergency Fund?

OP, I think you're adding a bit of complexity by splitting your emergency fund among three different places. So long as you have credit cards from different issuers and you're not exceeding the FDIC insurance limits for your emergency fund account, I think that's enough diversity to cover yourself f...
by flamesabers
Fri Aug 11, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Diversify Your Emergency Fund?
Replies: 32
Views: 2206

Re: Diversify Your Emergency Fund?

OP, I agree with the advice above to split it between 2 institutions, and keep some cash at home (opportunity cost for this vs a bank account is very low). Reasons: risks of cyber attack/outage, issue at one bank, etc. I sleep better knowing that if power is out in my state, I have hard cash immedi...
by flamesabers
Thu Aug 10, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 37
Views: 3629

Re: Health Savings Account

So long as you have the available funds, I think maxing out your HSA is an excellent way to reduce your tax liabilities. Even though your family is fairly healthy, you never know when someone might have an injury or illness to deal with.
by flamesabers
Thu Aug 10, 2017 9:34 am
Forum: Investing - Theory, News & General
Topic: My (general) contacts with Treasury Direct re loss & liability
Replies: 14
Views: 1834

Re: My (general) contacts with Treasury Direct re loss & liability

Could you not use FS Form 1048 to claim the loss of electronic savings bonds? The title of the form is Claim for Lost, Stolen, or Destroyed United States Savings Bonds . Granted, the form was intended for paper savings bonds, but I don't see anywhere on the form that precludes using the form to recl...
by flamesabers
Thu Aug 10, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 4035

Re: Where To Put My Emergency Fund?

OP,

I think it's fine to keep your emergency fund in one of Vanguard's money market funds.
by flamesabers
Thu Aug 10, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Signature VISA
Replies: 12
Views: 1080

Re: Alliant Credit Union Signature VISA

Update: So it gets better (sarcastically). So I upload my tax returns, my K1, last two pay stubs, utilities bill and the application processors are still not happy. They want a utility bill in my name, not wife's. They want W2's. well, I don't get W2's..I get K1's. What is tipping it over the edge ...
by flamesabers
Wed Aug 09, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Problem with Vanguard Account Profile-% of Completion
Replies: 5
Views: 696

Problem with Vanguard Account Profile-% of Completion

Hello all. When I logged into my vanguard account tonight I noticed there was a list of things I did and haven't done to complete my account profile. According to this list, it says I haven't signed up for the paperless option even though I switched over to paperless years ago. :confused I double-ch...
by flamesabers
Wed Aug 09, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Save to buy home on cash
Replies: 17
Views: 1349

Re: Save to buy home on cash

I think it depends on how much money you intend to save and to what extent you're willing to micromanage your money. The simplest option I think would be stashing all of your money into a high-yield savings account. If you want to get into something more elaborate, you could buy $10k of I-Bonds (plu...
by flamesabers
Wed Aug 09, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 54
Views: 3667

Re: Do you plan to ditch your laptop in travel soon?

I always take my laptop during trips, but that's in part because all of my travel is work-related.

If I really needed to minimize the weight of my luggage, I would probably get a chromebook or some other ultra-thin laptop.
by flamesabers
Wed Aug 09, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: What should I consider doing with car insurance?
Replies: 5
Views: 463

Re: What should I consider doing with car insurance?

Generally the time to drop comp and collision coverage is when your vehicle has little to no market value. Since your loan balance is around $27k, I'm assuming this is a fairly new car. In your situation, you may want to shop around for difference insurance, but you should probably keep collision an...
by flamesabers
Wed Aug 09, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Unsure of my options with government TSP
Replies: 7
Views: 574

Re: Unsure of my options with government TSP

Welcome to the forum! :beer I'm in a somewhat similar situation to you (I'm in the army reserves, not the guard). What I do is contribute about 70-80% of my army pay into the TSP and then max out the remainder of my 401k contributions with my civilian job. (I can't contribute 100% because I still ha...
by flamesabers
Wed Aug 09, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: Still Buying As planned Regardless Of The World Situation
Replies: 72
Views: 7638

Re: Still Buying As planned Regardless Of The World Situation

OP,

I think the best thing to do is to disregard what your friends are saying about the market. Nobody knows whether the situation of the world will improve or worsen, so why not continue to invest in the market today? If they don't want to be invested in the market, that's their decision.
by flamesabers
Wed Aug 09, 2017 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Do you hold your VG mutual funds with VG Group or VG Brokerage?
Replies: 19
Views: 1288

Re: Do you hold your VG mutual funds with VG Group or VG Brokerage?

I hold my VG mutual funds with VG Group. Until it becomes mandatory or some other incentive is introduced, I see no reason to upgrade to the brokerage platform.
by flamesabers
Tue Aug 08, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 8718

Re: When does renting make sense

I look at it this way. If you rent, you pay rent each month for the rest of your life. If you buy, you pay a higher rent for the first 15-30 years, then you live rent free in a paid-for house and that paid-for house could be a significant part of your asset. Do you not consider property taxes, majo...
by flamesabers
Tue Aug 08, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Signature VISA
Replies: 12
Views: 1080

Re: Alliant Credit Union Signature VISA

Interesting. I posted an application for same Signature VISA today. The 2.5% cash rewards is what drew me to this card. I am not retired so will see what happens. I'll keep you posted. I use USAA's Limitless Visa to get 2.5% cashback rewards. To get the 2.5% rate I have to push $1k every month from...
by flamesabers
Tue Aug 08, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 7787

Re: kids think lazy if retire?

1. Will they continue to respect me if I’m not working---just minding my own business, catching up on shows, books, reestablishing friendships etc.)?? 2. Will I lose moral authority with them regarding insisting that they study and work hard in school? Regardless of whether you're working or semi-r...
by flamesabers
Tue Aug 08, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Group Universal Life
Replies: 23
Views: 1459

Re: Group Universal Life

Hello. I don't think it's a good idea to mix investments with insurance. From what I've read on this forum, more often then not all the "tax benefits" and "guaranteed returns" are just gimmicks designed to get people to buy life insurance products they don't really need. Barring special circumstance...
by flamesabers
Tue Aug 08, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: How do you manage cash back rewards?
Replies: 26
Views: 2445

Re: How do you manage cash back rewards?

I do the first option. Money is fungible. One less dollar I have to spend on my CC bill is one more dollar I have elsewhere to use.
by flamesabers
Tue Aug 08, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 29
Views: 2507

Re: Any veterinarians that can quickly weigh in re: estimate?

I have read that cat tooth extractions are more complex than dogs - not sure why. And she's older and asthmatic, which may be necessitating the additional precautions and costs. Or maybe I'm trying to justify it to myself so I'll feel better. LOL I suspect it's because cats' teeth and mouths are mu...
by flamesabers
Tue Aug 08, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 8718

Re: When does renting make sense

costs of buying and selling, and all the maintenance they paid for and/or performed. If you tally everything up, many of us would be better off renting. Is it your assumption that when a home is rented, the landlord does not have to pay for upkeep or taxes or maintenance? Does the landlord not cons...
by flamesabers
Tue Aug 08, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 29
Views: 2507

Re: Any veterinarians that can quickly weigh in re: estimate?

I'll be bringing my cat in to the vet for a tooth extraction on August 21st. If this thread is still active, I'll post how much my bill was for.
by flamesabers
Tue Aug 08, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Car Depreciation As Reason to Get A New Car
Replies: 34
Views: 3363

Re: Car Depreciation As Reason to Get A New Car

OP, I think any mention of a car being a depreciating asset is in regard to the argument of not getting a loan to buy a car (unless the loan has an extremely low APR). Rather then using depreciation as a guide for when to get a new car, I recommend considering the maintenance cost instead. When it s...
by flamesabers
Mon Aug 07, 2017 4:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Celebrating 30 years with Vanguard!
Replies: 25
Views: 2021

Re: Celebrating 30 years with Vanguard!

randomizer wrote:Only last year I celebrated 3 years with Vanguard. I have a lot of catching up to do...
I think it's been 5 or 6 years for me. I would have to double check on my paperwork to see when my anniversary date is.
by flamesabers
Mon Aug 07, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: beneficiaries
Replies: 14
Views: 1211

Re: beneficiaries

Flamesabers, Celia. Of course a representative of the account holder would contact the brokerage/institution upon death. That is not my point. Shouldn't the representative be the one contacting the beneficiaries and not the brokerage? The way I see it, it's the responsibility of the representative ...
by flamesabers
Mon Aug 07, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Cap One Money Market 1.1% - any need for CD's?
Replies: 4
Views: 416

Re: Cap One Money Market 1.1% - any need for CD's?

When you're committed to keeping your money in one place, you're leaving yourself at the mercy of whatever rates Capital One offers. If there is no significance between MM rates and CD rates, I think there's not much point in sacrificing liquidity for insignificant gains in interest rates. How high ...
by flamesabers
Mon Aug 07, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: beneficiaries
Replies: 14
Views: 1211

Re: beneficiaries

Also, they do not contact the beneficiary at the account holder's death. How can any financial institution know that an account holder is deceased without first receiving the death certificate? As far as I know, it's the responsibility of the estate executor to notify the financial institutions and...
by flamesabers
Mon Aug 07, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: New physician with debt and cash
Replies: 15
Views: 1555

Re: New physician with debt and cash

Welcome to the forum! :beer With student loans of $400k (at rates of 7.9% & 6.8% no less) I don't think you have the money to accumulate cash for a major purchase like a mortgage. (Your student loans are practically a mortgage with higher interest rates). Depending on how much you need as an emergen...
by flamesabers
Mon Aug 07, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: VTSAX-International?
Replies: 8
Views: 851

Re: VTSAX-International?

I have been reading JLCollins stock series. In it, he makes the argument that VTSAX is indirectly international because most of its top holding do business around the world. I tend to agree with him. What are some arguments that go against this idea? I think it depends on how much international exp...
by flamesabers
Sun Aug 06, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Companies And Your Credit Report.
Replies: 13
Views: 1098

Re: Credit Card Companies And Your Credit Report.

Your question has already been answered, but I personally like getting these offers because some of them are significantly better than public offers. One of reasons why I permanently opted-out of the pre-approved offers is to eliminate the risk of identity thieves using such mail to open a credit c...
by flamesabers
Sun Aug 06, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Companies And Your Credit Report.
Replies: 13
Views: 1098

Re: Credit Card Companies And Your Credit Report.

I keep getting junk mail from a credit card company (Discover) trying to solicit me. So when I checked my credit report, I noticed they've been doing monthly inquiries into my credit. Is there any way to stop this? To have them stop sending me mail and to stop having them do inquiries into my credi...
by flamesabers
Fri Aug 04, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Young, first time investor
Replies: 11
Views: 1048

Re: Young, first time investor

I'm in no hurry to start. At this point im just trying to learn more about investing and the stock market while saving up money. My goal is to save up a decent amount of money over the next couple of months and look into investing sometime next year. I think something to consider is contributions t...
by flamesabers
Fri Aug 04, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing
Replies: 3
Views: 230

Re: New to investing

OP, What is your desired asset allocation? Why do you want to buy a house? Are mortgage payments significantly cheaper then rent payments in your area? Are you looking to start a family soon? If neither of these are relevant for you, I would suggest renting instead of buying, especially when you don...
by flamesabers
Fri Aug 04, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Are we house poor? [Property Tax Madness]
Replies: 79
Views: 7898

Re: Are we house poor?

I think you're doing pretty good considering you're contributing around 50% of your gross income to retirement savings. Reducing your property taxes by $2k sounds nice, but how practical would it be for you to go through the process of looking for a new home and selling your current home? It might b...
by flamesabers
Fri Aug 04, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Young investor, first decisions.
Replies: 9
Views: 429

Re: Young investor, first decisions.

I think it depends on what your circumstances and priorities are. For instance, are you working? If so, do you have access to a 401k? Do you have any student loans you could payoff with your 40k? If you're financially independent, do you have an emergency fund? Are you planning on making a major pu...
by flamesabers
Fri Aug 04, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: Paul Singer Says Passive Investing Is ‘Devouring Capitalism’
Replies: 24
Views: 2674

Re: Paul Singer Says Passive Investing Is ‘Devouring Capitalism’

Well, mutual funds could logically lead to the utter destruction of capitalism. If everyone owned equal amounts of a universal index fund, that would effectively accommodate true communism. :beer There's a counter article on Bloomberg that says passive investing isn't devouring capitalism. Coincide...
by flamesabers
Fri Aug 04, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Young investor, first decisions.
Replies: 9
Views: 429

Re: Young investor, first decisions.

I think it depends on what your circumstances and priorities are. For instance, are you working? If so, do you have access to a 401k? Do you have any student loans you could payoff with your 40k? If you're financially independent, do you have an emergency fund? Are you planning on making a major pur...
by flamesabers
Thu Aug 03, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to transfer Beneficiary IRA to Vanguard?
Replies: 8
Views: 394

Re: Good time to transfer Beneficiary IRA to Vanguard?

Welcome to the forum! :beer With an average ER of 0.70% and a 1% AUM on top of that, I highly recommend transferring your IRA right away to Vanguard or to another broker that won't charge you such insane fees. Regardless of the state of the stock market, nobody knows exactly when the next bear marke...
by flamesabers
Thu Aug 03, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: 250k in savings. need some advice and a kick in the butt
Replies: 31
Views: 3394

Re: 250k in savings. need some advice and a kick in the butt

OP,

I would suggest paying off your car loans first and foremost. After that I would suggest investing in a taxable account or else paying down your mortgage. If you have a HDHP, an HSA would make a good investment as well.