Search found 714 matches

by hlfo718
Mon May 23, 2016 3:01 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Fund on Morningstar: expense ratio = 0.00%
Replies: 8
Views: 952

Re: Fidelity Fund on Morningstar: expense ratio = 0.00%

The freedom funds are fund of funds so the fund has no expense ratio but the underlying funds do. You have to look for acquired fund fees.
by hlfo718
Fri May 20, 2016 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Cash Value Question
Replies: 11
Views: 1485

Re: Whole Life Cash Value Question

Thank you for all the responses. I called the rep from Metlife and she told me once the realized event took place they cannot reverse even if she pays off the loan/premium. So either way she will receive the 1099 next year for the phantom income. I asked the rep to send me the potential cash value c...
by hlfo718
Sun May 01, 2016 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life Cash Value Question
Replies: 11
Views: 1485

Whole Life Cash Value Question

Hi BHs, My mom has a whole life policy from the 80s and hasn't made a payment for a long time. From the Jan statement, it states the cash value was $13,512 whole the loan principal was $17,894. The loan is all from borrowing to pay annual premiums not from actual cash withdrawal. Based on these numb...
by hlfo718
Wed Apr 27, 2016 12:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Manager Changes
Replies: 9
Views: 1008

Re: Vanguard Manager Changes

Wonder if these managers act as traders, which is a very important part of indexing to reduce tracking error.
by hlfo718
Mon Apr 25, 2016 11:13 am
Forum: Investing - Theory, News & General
Topic: Smart-Beta War Rages On as Cliff Asness Slams Pimco Star's Paper
Replies: 6
Views: 917

Re: Smart-Beta War Rages On as Cliff Asness Slams Pimco Star's Paper

Why would anyone listen to the Pimco guy? Just look at this Pimco All Asset All Authory returns vs. Vang Wellesley. Higher std dev and lower return. Not a good combination.
by hlfo718
Wed Apr 20, 2016 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Voya Fixed Account 4%
Replies: 11
Views: 1969

Re: Voya Fixed Account 4%

If there is a surrender charge I am assuming is some sort of insurance wrapper and the agent is making a nice commission, otherwise there shouldn't be a surrender charge.

If you can get the prospectus and if it is longer than 50 pages, is very likely is an annuity or other insurance product.
by hlfo718
Sat Apr 16, 2016 5:57 pm
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 5250

Re: A Month in Manhattan

Central Park, museums, restaurants from Harlem to Chinatown in manhattan to other boroughs like Brooklyn and Queens, Yankees/Mets, World Trade Center Memorial, Statue of Liberty, and plenty of other stuff. Just take your time since summer is pretty hot in NYC.
by hlfo718
Mon Apr 11, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Social Sec Web Login
Replies: 7
Views: 721

Re: Social Sec Web Login

I was able to get in but I get this, Skip to Content my Social Security Need Larger Text? Accessibility Help We're Sorry... There has been an unexpected system error. Your login session has been terminated. For security reasons, please close all of your internet browser windows. I tried this on Fire...
by hlfo718
Mon Apr 11, 2016 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Social Sec Web Login
Replies: 7
Views: 721

Social Sec Web Login

Tried to go into SS site for the annual statement but haven't been able to do so due to some system error from the site. Is anyone else having the same issue? I also rec'd an email from SS that I requested to change my password, which I didn't request.

Thanks
by hlfo718
Fri Apr 08, 2016 1:29 pm
Forum: Investing - Theory, News & General
Topic: The Keys to Active Management
Replies: 10
Views: 1139

Re: The Keys to Active Management

I have no problem paying index fund like fees to Vanguard's active funds such as their Equity Income, Wellington, and Wellesley Funds.
by hlfo718
Wed Mar 30, 2016 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 1680

Re: Can't waive fees any longer at Bank of America

How about Schwab Checking?

What are the fees and minimums?

Monthly service fees: $0
Account minimum: $0
by hlfo718
Wed Mar 30, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Money Market Rate Change
Replies: 5
Views: 590

Re: Capital One 360 Money Market Rate Change

Ally has been very reliable to keep their savings rate around 1%. Most of my cash is there since I got bait and switch out of capital one early last year. At least when I had my money at Cap One the 1.2% lasted 3 months.
by hlfo718
Wed Mar 30, 2016 10:57 am
Forum: Investing - Theory, News & General
Topic: Anything new in SCV in past 9 months [Small-Cap Value]
Replies: 8
Views: 1233

Re: Anything new in SCV in past 9 months

One would think some fund/ETF shop would have copied DFA's model by now but no.

John Hancock will be offering more multi factor sector ETFs with DFA as sub-adviser. But who cares??? :annoyed
by hlfo718
Wed Mar 30, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: best way to negotiate with cable company?
Replies: 38
Views: 4177

Re: best way to negotiate with cable company?

The problem even if you decide to cut, you still need the same provider for high speed internet. If you only take internet the price is like 50 a month for something like 25 mbs. Then you start adding costs for netflix, hulu, or whatever else then you costs go back up to $80/month. I look forward wh...
by hlfo718
Wed Mar 30, 2016 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Capital One Beneficiary Designation - Trust Only??
Replies: 6
Views: 574

Re: Capital One Beneficiary Designation - Trust Only??

Just google capital one account beneficiary and one of the first search comes up is a form from Cap One for you to assign beneficiary. The painful part is you have to mail in vs. doing so online like many brokerage firms. Banks are not good with this for some reason.
by hlfo718
Wed Mar 23, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Return of Capital for Schwab ETF's
Replies: 16
Views: 1456

Re: Return of Capital for Schwab ETF's

Not saying is wrong but just makes me wonder how can the ROC be almost 20% of distribution. Funds like a closed end fund, not companies, make ROC distributions. Just wondering how many of the 1,600 companies in SCHC made an ROC to investors?
by hlfo718
Tue Mar 22, 2016 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Visa and Costco?
Replies: 9
Views: 2109

Re: Chase Freedom Visa and Costco?

Obviously you can't use the chase card at the store for the 5% but I wonder if you would qualify by purchasing the costco cash card online? I have been using my Citi 2% to purchase the cash card rather than using the amex 1% at the store. I will try using the chase card to buy the cash card to see i...
by hlfo718
Mon Mar 21, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 84
Views: 11272

Re: Capital One 360 New Money Market Account, 1% on over 10k

ally has been offering their online savings with 1% for a long time. I had some online offer from Cap One a couple of years ago where the teaser rate was over 1% and then dropped to much lower than 1%. I closed that and moved to Ally since Ally has yet to screw around their savings rate.
by hlfo718
Thu Mar 17, 2016 7:38 am
Forum: Investing - Help with Personal Investments
Topic: VGHAX (Vanguard Health)....whats up with that?
Replies: 16
Views: 2455

Re: VGHAX (Vanguard Health)....whats up with that?

Healthcare stocks in general have done really well the last 5+ years so having a sector go down 20% is not a big deal. The fund is still in the top quartile, according to M*. So is not a "Vanguard" problem. Maybe you can't take the volatile of a sector fund?
by hlfo718
Tue Feb 23, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: TWC Wifi Hotspots
Replies: 1
Views: 432

TWC Wifi Hotspots

Hi,

Anyone here tried the hotspots from TWC? I will be traveling on the east coast in a couple of months and wonder how good the connection is so I can save some data usage from cell provider.

Thanks
by hlfo718
Mon Feb 22, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Is now a good time to purchase property [New York City]
Replies: 28
Views: 3906

Re: Is now a good time to purchase property [New York City]

I think one important info missing is where in NYC are you referring to? Most people assume is Manhattan but are you referring to the boroughs like Brooklyn, Queens, Staten Island, or the Bronx? If you are looking to buy an apartment, are you looking at co-ops or condos? Rules are diff for them and ...
by hlfo718
Fri Feb 19, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Dealing with legacy Merrill Lynch advisor with high fees
Replies: 20
Views: 2206

Re: Dealing with legacy Merrill Lynch advisor with high fees

Have you thought about using Vanguard's robo service for around 0.30% annually? Much cheaper than ML and they and you can have access to a live person in case you are concerned about the AA or withdrawal rates.
by hlfo718
Wed Feb 17, 2016 8:58 am
Forum: Personal Consumer Issues
Topic: TMobile MNVOs
Replies: 4
Views: 575

Re: TMobile MNVOs

Wife just switched over to Metropcs, which is part of Tmobile. It took an hour to port the number and no issue so far. She had Ptel, which was a tmobile mnvo but went bust in Jan. Good thing metro had the same place for same price. you should take a look at metropcs since it looks like the prices ar...
by hlfo718
Tue Feb 09, 2016 3:48 pm
Forum: Investing - Theory, News & General
Topic: Schwab vs Vanguard
Replies: 27
Views: 2606

Re: Schwab vs Vanguard

Vanguard for sure. Index funds for taxable accounts and Wellington/Wellesley for tax free/deferred accounts. Have you noticed the costs for the two Wellington/Wellesley funds? Wow!
by hlfo718
Fri Feb 05, 2016 12:15 pm
Forum: Investing - Theory, News & General
Topic: Is there any investment that lets you get in/out whenever you want, and govt-guarantees you CPI as a return?
Replies: 20
Views: 1082

Re: Is there any investment that lets you get in/out whenever you want, and govt-guarantees you CPI as a return?

i-bonds can satisfy gov't backed and CPI but you have to hold for at least one year with penalty and there is a $ limit.
by hlfo718
Wed Jan 27, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Zero Coupon Bond Value Question
Replies: 41
Views: 2084

Re: Zero Coupon Bond Value Question

Is this a muni bond? Based on your quote of $7,750, the remaining appreciation is roughly 3.74% a year. Will a stock or balance portfolio do better, no one knows but is not such a high hurdle to overcome.
by hlfo718
Fri Jan 22, 2016 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Double Check your Dividends in Vanguard Brokerage Account(s)
Replies: 11
Views: 871

Re: Double Check your Dividends in Vanguard Brokerage Account(s)

I wish someone from Vanguard can come answer some of these questions. If one account is short $300 that means someone has this $300 in the account by mistake. Or did Vanguard sat on this money? I guess I should also do a periodic check to make sure there were no errors in my accounts but is such a p...
by hlfo718
Tue Jan 05, 2016 5:18 pm
Forum: Investing - Theory, News & General
Topic: PenFed CD ALERT !
Replies: 10
Views: 3538

Re: PenFed CD ALERT !

Keep us posted. Probably 0.25% like the rate hike? Would like to earn 2% on 1 year CD one of these days.
by hlfo718
Mon Jan 04, 2016 4:32 pm
Forum: Investing - Theory, News & General
Topic: Article: Stocks overvalued and could see 50%+ drop
Replies: 29
Views: 4173

Re: Article: Stocks overvalued and could see 50%+ drop

I am shocked! Not about market going down 50% but that I don't see this headline on Marketwatch since they normally have such headliner every day. I guess if you but that up enough you will get it right eventually.
by hlfo718
Tue Dec 22, 2015 11:08 am
Forum: Investing - Help with Personal Investments
Topic: 24 Years Old in NYC
Replies: 7
Views: 1468

Re: 24 Years Old in NYC

Do you want to stay in Manhattan or do you mind moving to the boroughs like queens/brooklyn. But has to be deeper in since LIC and most parts of brooklyn are way over priced. If you add $1,000 a month to your current rent, you can live in a nice or nicer apartment out there and some have amenities l...
by hlfo718
Wed Dec 09, 2015 12:01 pm
Forum: Investing - Theory, News & General
Topic: Private Equity Fees Are Sky-High, Yes, but Look at Those Returns
Replies: 17
Views: 1804

Re: Private Equity Fees Are Sky-High, Yes, but Look at Those Returns

Their fiscal year ends on June 30 so compared to Vang Total World, Calpers equity return is about what the index delivered. Most endowments/inst have access to the top PE funds now. Is just the individual investors including high net worth are kept out and i think is a good thing. The returns in the...
by hlfo718
Thu Dec 03, 2015 8:14 am
Forum: Personal Consumer Issues
Topic: Realtor Negotiating Advice
Replies: 44
Views: 4359

Re: Realtor Negotiating Advice

If your home is in a highly desired area then yes and negotiate. But if your home is in bad shape and in the middle of no where, that will make the agent's job tougher, hence I think they deserve slightly higher commission. I sold my house in a nice area over 10 years ago and negotiated the rate dow...
by hlfo718
Wed Nov 25, 2015 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Friend of the family having difficult time
Replies: 21
Views: 4988

Re: Friend of the family having difficult time

Can she sell that life policy to an investor and get cash upfront? Off course someone will need to help her understand the terms and legal jargon.
by hlfo718
Wed Nov 25, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: Bath tub - Replace - Written quote - $2,500+
Replies: 16
Views: 1292

Re: Bath tub - Replace - Written quote - $2,500+

And is not drywall, is cement board with waterproof in the back or upfront before the tiling. Make sure is done right or there will be leaks again in the future.
by hlfo718
Fri Nov 20, 2015 8:52 am
Forum: Investing - Theory, News & General
Topic: Prominent hedge funds having a tough year
Replies: 27
Views: 2687

Re: Prominent hedge funds having a tough year

They call themselves hedge funds because of the fee structure. Otherwise they can "only" charge 1% for their long only product, just like other mutual funds. Then these hedge fund managers can't be billionaires and buy up yachts and multi apartments around the world. Don't worry, many of t...
by hlfo718
Thu Nov 19, 2015 8:52 am
Forum: Personal Consumer Issues
Topic: Apartments with PTAC Units [Packaged Terminal Air Conditioner]
Replies: 5
Views: 500

Apartments with PTAC Units [Packaged Terminal Air Conditioner]

Hi, Just curious if anyone here is familiar with these apartment heating/cooling units that are in use all over NYC. We currently live in an old apartment that has radiator heat, which is fine but my spouse and I have allergies and the dry air is causing us to have sinus infection every few weeks. T...
by hlfo718
Wed Oct 28, 2015 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Morgan Stanley Trak Funds
Replies: 2
Views: 355

Re: Morgan Stanley Trak Funds

If it is a proprietary fund you won't be able to move it directly to Vanguard. You will first need to sell then move cash to Vanguard or elsewhere. You need to ask your dad if he is fine with that and read the prospectus or other offering docs to see the terms for redemption fees, if any.
by hlfo718
Wed Oct 28, 2015 7:25 am
Forum: Personal Finance (Not Investing)
Topic: whole life pitched as way to pay for kids college
Replies: 67
Views: 7852

Re: whole life pitched as way to pay for kids college

If the agent is saying you are getting a 5% return, have she/he put in an email and send to you. If she/he won't then you know is a lie. My wife's co-worker was promised a high return until I told her to have the agent put it in writing. Agent never responded.
by hlfo718
Tue Oct 20, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: 2nd Home Mortgage deduction
Replies: 3
Views: 435

2nd Home Mortgage deduction

Hi BHs,

My spouse and I live in an apartment and looking to purchase a 2nd apartment in the same complex for my mother since she is getting older and needs us to be near her. Can I deduct the mortgage interest from both apartment even though the 2nd apartment is not our primary residence?

Thank you
by hlfo718
Thu Oct 15, 2015 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Transfer Health Savings Administrators HSA to UMB?
Replies: 10
Views: 1173

Re: Transfer Health Savings Administrators HSA to UMB?

UMB is a good little bank based out of Milwaukee, i think. I dealt with them a while back and no complaints about them at all.
by hlfo718
Wed Oct 07, 2015 3:20 pm
Forum: Investing - Theory, News & General
Topic: Internal Rate of Return Calculation Question
Replies: 21
Views: 1297

Re: Internal Rate of Return Calculation Question

your error is due to something else since XIRR does and will produce a negative return. Check your formula like the minus sign or date. One thing I have noticed in excel is that sometimes the sheet gets stale and the formula stops working when you input new data in the column. Not sure if any one ex...
by hlfo718
Wed Oct 07, 2015 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Wellington vs my idea what do you think of it?
Replies: 19
Views: 2345

Re: Wellington vs my idea what do you think of it?

Didn't rates go down this year since both of my Vang Int IG and Trea are up? Keep saying rates will go up and eventually it will.

Here is my prediction, stocks will go up.
by hlfo718
Wed Oct 07, 2015 7:35 am
Forum: Investing - Help with Personal Investments
Topic: UK expats - offshore bonds
Replies: 2
Views: 271

Re: UK expats - offshore bonds

Can't you just buy an index fund from Vanguard UK?

https://www.vanguard.co.uk/uk/portal/in ... =indexFund
by hlfo718
Fri Oct 02, 2015 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: 403b Catch Up
Replies: 4
Views: 430

403b Catch Up

Hi,

My spouse will turn 50 in middle of 2016. How does the catch up work? Do you simply change the withholding amount the day you turn 50 or can that be done on Jan 1st or are there some other rules?

Thanks
by hlfo718
Fri Oct 02, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Dental savings discount plans for implants?
Replies: 16
Views: 1366

Re: Dental savings discount plans for implants?

Years ago my employer didn't offer dental insurance so I looked at a few dental discount clubs. When I called a few dentists from the list, they didn't participate and never even heard of those plans. One dentist asked me why pay for a plan when you can just ask me to work out the payment and discou...
by hlfo718
Tue Sep 29, 2015 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: highest cash paying credit card
Replies: 8
Views: 1500

Re: highest cash paying credit card

That's the highest so far. I think the next one is Cap One but is only 1.5%.
by hlfo718
Wed Sep 23, 2015 3:06 pm
Forum: Personal Consumer Issues
Topic: Contractor payments
Replies: 10
Views: 1051

Re: Contractor payments

Is he lic and insured? If not I wouldn't even bother to use him. Ideally he is bonded as well but that is rare. Tell him you will pay for half of the cabinets now and the other half when completed and inspected by you with no issues. Otherwise what if he delivers something completely diff or damaged...
by hlfo718
Wed Sep 23, 2015 8:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 777
Views: 119287

Re: Vanguard could owe billions in back taxes

I never understand the argument of charging "too little" is illegal even it is a for profit organization. Wouldn't that also impact other low cost fund providers such as Fidelity and Schwab where their fees are pretty much the same as Vanguard's? Given the size of Vanguard's assets, what i...
by hlfo718
Tue Sep 22, 2015 11:53 am
Forum: Investing - Theory, News & General
Topic: What are the index fund costs beyond bid ask?
Replies: 13
Views: 1068

Re: What are the index fund costs beyond bid ask?

For int'l funds the custody fee is more expensive than domestic funds. Custody fee normally breaks down to two major areas, transaction fees and safe keeping fee. Transaction fee is per transaction whereas safe keeping fee is per AUM of each country. But given the size of Vang and how cost conscienc...
by hlfo718
Mon Sep 21, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: Anyone use pre paid cell phone planns???
Replies: 27
Views: 2708

Re: Anyone use pre paid cell phone planns???

Switched to P-Tel about two months ago. Price is really cheap, $30 unlimited calls/text and 1GB on T-Mobile's 4G LTE. Got the Moto E from Amazon and everything is working out with no issues.

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