Search found 71 matches

by jastevenson
Sat Aug 27, 2016 8:27 am
Forum: Investing - Help with Personal Investments
Topic: California Scholarshare 529: stay in age 0-4 fund forever?
Replies: 3
Views: 380

Re: California Scholarshare 529: stay in age 0-4 fund forever?

It looks like the age-based allocations have 0.01% lower expense ratio, so I figured I'd go with that. Realizing that it only saves me like $50 over 18 years, but whatever :D Anyway, the newly lowered ratios on Scholarshare pulled me away from Nevada and Utah plans, so I'm now the owner of a Califor...
by jastevenson
Fri Aug 26, 2016 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: California Scholarshare 529: stay in age 0-4 fund forever?
Replies: 3
Views: 380

California Scholarshare 529: stay in age 0-4 fund forever?

Was looking into the California Scholarshare 529 due to the low expense ratios on the age-based plans. However, I do think that they become too conservative with the stock allocation as the kid gets older. If I wanted to stay in the age 0-4 fund, do I have the option of keeping it there when the chi...
by jastevenson
Wed Aug 24, 2016 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employee; Medicare deduction on LES went up this pay period. Why?
Replies: 2
Views: 268

Federal employee; Medicare deduction on LES went up this pay period. Why?

I'm a federal employee.

I was looking over the Leave and Earnings statement for this past pay period, and my net salary dropped because the Medicare deduction on the LES increased.

Does anyone know why this happened?

Thanks!
by jastevenson
Wed Aug 24, 2016 5:47 am
Forum: Personal Consumer Issues
Topic: Car leases: not that expensive, after all, if you can't do maintenance yourself?
Replies: 32
Views: 3095

Car leases: not that expensive, after all, if you can't do maintenance yourself?

I drive a 13 year old car. Most times that I take my car to the dealership for service, I'm often told that part X is worn and needs replacing, part Y is broken, and part Z is about to break. This may or may not be true, but I have no way of knowing . Since I am not keen on the idea of some catastro...
by jastevenson
Mon Aug 22, 2016 6:03 am
Forum: Personal Consumer Issues
Topic: Best/safest/easiest way to send sensitive files to another person over the internet?
Replies: 40
Views: 2683

Re: Best/safest/easiest way to send sensitive files to another person over the internet?

I edited my original post to specify that while I initially said "best/most secure," I should have stipulated that ease is critically important as well, since the person who will be sending the files to me is an elderly relative. This person could handle the Word password, Google drive, Dr...
by jastevenson
Sun Aug 21, 2016 10:08 pm
Forum: Personal Consumer Issues
Topic: Best/safest/easiest way to send sensitive files to another person over the internet?
Replies: 40
Views: 2683

Best/safest/easiest way to send sensitive files to another person over the internet?

There are some files that I would like to send that contain sensitive information. What is the best and most secure way to do this? My understanding attaching the files to an email is very convenient, but not secure. Thanks!! :sharebeer EDIT: I realize that I said "best/most secure," but I...
by jastevenson
Sun Aug 21, 2016 10:05 pm
Forum: Personal Consumer Issues
Topic: Life insurance: approved by 2 companies. Can I negotiate premium?
Replies: 8
Views: 1126

Re: Life insurance: approved by 2 companies. Can I negotiate premium?

Would it make sense for you to buy both? Perhaps shortening one to a 10/15/20 year term?[/quote I decided against laddering the policies, but that is a good option for some! I don't think you will have much luck. Insurance companies generally have to file their rates with the state insurance commis...
by jastevenson
Sat Aug 20, 2016 5:55 am
Forum: Personal Consumer Issues
Topic: Life insurance: approved by 2 companies. Can I negotiate premium?
Replies: 8
Views: 1126

Life insurance: approved by 2 companies. Can I negotiate premium?

Hi! After submitting my medical records and blood tests, I have been formally approved by two separate life insurance companies (1.1 mil policy, 30 years). The insurance premiums are within pennies of each other between two companies, so it's a coin toss at this point. But since I have two offers, h...
by jastevenson
Mon Jul 04, 2016 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Ever Feel Unworthy of Growing income?
Replies: 34
Views: 3521

Re: Ever Feel Unworthy of Growing income?

Doctors absolutely make too much money, way too much. As for the OP, just keep on keepin on. Don't think that way or you could screw your self. Nothing is stopping you from going to med school, residency, and fellowship, and: -Going 350k (post-tax dollars) into debt -Spending all of your late teens...
by jastevenson
Sat Jul 02, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: A nurse practitioner will not release my medical records! Help!
Replies: 25
Views: 2880

Re: A nurse practitioner will not release my medical records! Help!

So this is a completely, 100% individual practice? Is there any office person or support? Maybe this is an illustration of a down side to dealing with a completely one person show. Might this NP have sent information to or consulted with a Physician that might have copies? My thoughts as well--she ...
by jastevenson
Sat Jul 02, 2016 10:37 am
Forum: Personal Consumer Issues
Topic: A nurse practitioner will not release my medical records! Help!
Replies: 25
Views: 2880

A nurse practitioner will not release my medical records! Help!

I'm applying for life insurance, and have requested all my medical records be sent to the insurance company for review. All my physicians have done so. However, an independent nurse practitioner whom I saw twice last year, keeps promising that she will send my medical records "next week," ...
by jastevenson
Sat Jun 18, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy differences between insurers ?
Replies: 13
Views: 1350

Re: Umbrella policy differences between insurers ?

I would definitely read the fine print. For example, we have umbrella insurance. However, it was up for renewal last month, and the renewal letter said that the policy was changing and no longer covered dog bites. While the chance our dog would bite someone is infiniteismal, we want that coverage on...
by jastevenson
Wed Jun 08, 2016 5:16 am
Forum: Investing - Theory, News & General
Topic: Investing 2x/week (rather than lump sum) is the best thing I've done.
Replies: 32
Views: 2978

Re: Investing 2x/week (rather than lump sum) is the best thing I've done.

k66 wrote:
OP: do you have trading costs associated with your transactions?



No, they're Vanguard mutual funds, so no purchase fee, and it's all done automatically using their auto-invest feature. I don't have to do anything manually once I've set it up.
by jastevenson
Wed Jun 08, 2016 5:15 am
Forum: Investing - Theory, News & General
Topic: Investing 2x/week (rather than lump sum) is the best thing I've done.
Replies: 32
Views: 2978

Re: Investing 2x/week (rather than lump sum) is the best thing I've done.

Hello Now I invest 2x/week in a three-fund portfolio. When the market is down on the day I invest, I'm happy (bought stocks cheaper!) When the market is up on the day I invest, I'm happy too! (my portfolio went up!) How big is this lump-sum that you keep in cash, compared to the sum you have alread...
by jastevenson
Tue Jun 07, 2016 8:10 pm
Forum: Investing - Theory, News & General
Topic: Investing 2x/week (rather than lump sum) is the best thing I've done.
Replies: 32
Views: 2978

Re: Investing 2x/week (rather than lump sum) is the best thing I've done.

That is indeed the psychological advantage that for some investors results from going in gradually. May I ask whether you have a large lump sum you intended to put in weekly, and now decided biweekly, or are you saving out of periodic income (like, for example, a paycheck)? PJW Well, I get paid eve...
by jastevenson
Tue Jun 07, 2016 8:07 pm
Forum: Investing - Theory, News & General
Topic: Investing 2x/week (rather than lump sum) is the best thing I've done.
Replies: 32
Views: 2978

Re: Investing 2x/week (rather than lump sum) is the best thing I've done.

I was doing weekly investments but then I thought about when it is finally time to sell in taxable accounts, how do you figure gains for taxes if you have many little chunks of purchases? I am not close to the withdrawal stage but do you have a plan for when it is time to sell? Does Vanguard just f...
by jastevenson
Tue Jun 07, 2016 7:43 pm
Forum: Investing - Theory, News & General
Topic: Investing 2x/week (rather than lump sum) is the best thing I've done.
Replies: 32
Views: 2978

Investing 2x/week (rather than lump sum) is the best thing I've done.

First of all, let me say that studies show that doing one giant lump sum can in some cases generate marginally higher returns than dollar cost averaging. So by all means, keep lump sum investing if you are doing so. BUT: Some of you may be like me, and large lump sum investing is scary because you d...
by jastevenson
Sat Jun 04, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: New Car Trim levels
Replies: 58
Views: 4310

Re: New Car Trim levels

Is it just radar cruise, or radar cruise + automatic emergency braking?

The latter has been shown to save lives, lower insurance rates, etc., so it is worth it.

Radar cruise itself is a luxury but not a necessity.
by jastevenson
Sun May 08, 2016 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: What advice (about anything) would you give your 30-35 year old self?
Replies: 29
Views: 3530

What advice (about anything) would you give your 30-35 year old self?

If you had a time machine and went back in time to when you were in your 30s, what advice would you give yourself?

It can be about anything, not just investments specifically. :happy
by jastevenson
Sun Apr 03, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: I buy $275 of stock 2x / week. Is such frequent buying bad?
Replies: 18
Views: 1982

Re: I buy $275 of stock 2x / week. Is such frequent buying bad?

I'm bad too, but my assumption has been that Vanguard's computers know all my transacations and can figure out all the math for me automatically when I print out my tax forms at the end of the year. Is this a reasonable assumption? How good are you at math, tax-loss-harvesting, and figuring out your...
by jastevenson
Sun Apr 03, 2016 11:13 am
Forum: Investing - Help with Personal Investments
Topic: I buy $275 of stock 2x / week. Is such frequent buying bad?
Replies: 18
Views: 1982

I buy $275 of stock 2x / week. Is such frequent buying bad?

On Monday and Wednesday of each week, I purchase $275 of an 80/20 Vanguard index fund (VASGX) in my taxable account (EF, IRA, 401k already maxed). Is there any downside to this frequent investment strategy vs. doing an equivalent lump sum once a month or once a year? I admit that the main reason I d...
by jastevenson
Sat Apr 02, 2016 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest term life insurance for physicians (or other low risk groups?)
Replies: 3
Views: 289

Re: Cheapest term life insurance for physicians (or other low risk groups?)

I found term4sale on your site :beer But it seems like if physicians do indeed live longer (as the paper you cited shows), then an insurance company might offer better rates. If no such company exists, presumably the physicians are kept in the generic life insurance pool to dilute higher risk occupa...
by jastevenson
Sat Apr 02, 2016 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest term life insurance for physicians (or other low risk groups?)
Replies: 3
Views: 289

Cheapest term life insurance for physicians (or other low risk groups?)

I'm a physician who will be purchasing a 20 year term life policy. I've used comparison sites like term4sale and others to find the cost. However, I am wondering whether there are insurance companies that cater to physicians (who are (maybe?) a slightly lower risk group than an average individual). ...
by jastevenson
Sun Mar 27, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Possible to ask for a duplicate credit card?
Replies: 10
Views: 922

Re: Possible to ask for a duplicate credit card?

I'm the OP. To answer my above question: yes, you can, and basically, I just had to call and ask. They agreed to send me a spare card immediately.

Thanks for the info everyone!
by jastevenson
Sun Mar 27, 2016 9:11 am
Forum: Investing - Theory, News & General
Topic: Are "Funds of Funds" more expensive than normal funds?
Replies: 10
Views: 1174

Are "Funds of Funds" more expensive than normal funds?

Was reading a comment on another forum which said: "The fees on the UC pathway funds actually are double what they appear to be. True, the pathway fund fee of .015 is low, but each pathway fund is a "fund of funds" that invests in other UC funds, each of which charges a .015 fee. So t...
by jastevenson
Sat Mar 26, 2016 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to ask for a duplicate credit card?
Replies: 10
Views: 922

Possible to ask for a duplicate credit card?

I have a Citi Double Cash card, which is excellent. Does anyone know if it is possible to get an identical card (i.e., with the same credit card #)?

I don't want to open a new card--just have a "spare" card for the same account.

Thanks!
by jastevenson
Wed Mar 09, 2016 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 12
Views: 2091

Credit card keeps getting hacked, even when unused! (4x now!)

I have 3 credit cards with Chase. In the past 4 months, two were hacked once, and the third was hacked TWICE! After the latest hack, I received a new card direct from Chase. I haven't used the card a single time in a MONTH (either online or offline) until today. Today, 1 hour after I used it for the...
by jastevenson
Wed Feb 10, 2016 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Help--protecting mother's joint assets from father with dementia?
Replies: 15
Views: 1542

Help--protecting mother's joint assets from father with dementia?

Hello, My parents have been married for 40 years. My father has been fighting progressive dementia, but my mother is mentally in great shape. Recently, my father's financial behavior has been paranoid and erratic. He opened several new bank accounts without telling my mother, to "protect his mo...
by jastevenson
Tue Jan 19, 2016 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Federal Employees with Aetna HDHP/HSA: monthly contribution amount?
Replies: 1
Views: 191

Federal Employees with Aetna HDHP/HSA: monthly contribution amount?

I opened the Aetna HDHP/HSA this year for my family. The annual limit is $6,850. The pass-through is $1,500. So that leaves $5,350. Aetna will pay me $100 for filling out surveys and stuff, so that leaves $5,250 (Aetna's prospectus said I could get $150 for filling out surveys, but on the website, i...
by jastevenson
Sat Jan 16, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Disability insurance: higher limit with different insurance agent?
Replies: 2
Views: 202

Re: Disability insurance: higher limit with different insurance agent?

You're absolutely right. But my income should definitely support $6k/month (it would still only be a fraction of my normal income).

That is why I am wondering if it is an insurance agent issue rather than an insurance company issue.
by jastevenson
Sat Jan 16, 2016 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Disability insurance: higher limit with different insurance agent?
Replies: 2
Views: 202

Disability insurance: higher limit with different insurance agent?

Hi! I recently had a child and decided to increase my disability insurance. I have insurance with The Standard, and have a "Future Purchase Option" of $4,000. However, my agent said "the underwriters" (not sure if this is The Standard or someone else...) would not approve more th...
by jastevenson
Sat Dec 19, 2015 7:56 am
Forum: Investing - Help with Personal Investments
Topic: How come my VG S&P 500 index dropped more than the VG S&P ETF yesterday?
Replies: 6
Views: 779

How come my VG S&P 500 index dropped more than the VG S&P ETF yesterday?

I had always assumed that a Vanguard ETF and the equivalent Vanguard mutual fund had the same performance.

But on 12/18/15, the VG S&P 500 index (VFIAX) dropped 2.36%.

The VG S&P 500 ETF (VOO) dropped 1.86%.

What am I missing?

Thanks!
by jastevenson
Mon Nov 23, 2015 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: TSP federal employees: how many pay periods are left?
Replies: 10
Views: 1188

Re: TSP federal employees: how many pay periods are left?

My last paycheck was deposited Friday, Nov 20. Thank you for the calendar--what's confusing is that I have read there are 27 pay periods in 2015, rather than the usual 26: https://hr.od.nih.gov/benefits/extrapayday2015.htm "There will be 27 pay days in 2015! This is because the first pay day of...
by jastevenson
Mon Nov 23, 2015 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: TSP federal employees: how many pay periods are left?
Replies: 10
Views: 1188

TSP federal employees: how many pay periods are left?

I'm trying to hit $18,000 in TSP contributions next year, but I don't want to hit that number before the very last pay period. Otherwise, I'll lose my match. Anyone know how many pay periods (biweekly) are left so that I can calculate accordingly? I started working for the gov't mid-year, so I'm put...
by jastevenson
Wed Nov 18, 2015 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any scenario where traditional plan is better than HDHP/HSA for 35% bracket?
Replies: 4
Views: 623

Is there any scenario where traditional plan is better than HDHP/HSA for 35% bracket?

In what scenarios would it be preferable to have a traditional HMO plan rather than an HDHP/HSA? The HDHP/HSA seems like win/win, but there are surely some scenarios where it would be a bad idea. Low tax bracket and very high medical costs, maybe? I'm 35% bracket and anticipate some significant medi...
by jastevenson
Mon Nov 16, 2015 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: If I buy $20,000 of a fund, and sell it at $19,500, how much money have I lost?
Replies: 22
Views: 3558

Re: If I buy $20,000 of a fund, and sell it at $19,500, how much money have I lost?

Thanks everyone for the responses--the thoroughness of some of the posts on here is amazing! :)
by jastevenson
Mon Nov 16, 2015 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: How can you estimate your costs for a doc visit/procedure in an HDHP?
Replies: 14
Views: 1631

How can you estimate your costs for a doc visit/procedure in an HDHP?

I've always had an HMO. I don't have to think about how much a doc visit will cost, since I know it will just be my copay ($25 or so). My understanding is that with an HDHP, I pay straight out of pocket until I hit my deductible. But I don't know if my doc charges $100/visit or $1,000/visit, since a...
by jastevenson
Mon Nov 16, 2015 6:52 am
Forum: Investing - Help with Personal Investments
Topic: If I buy $20,000 of a fund, and sell it at $19,500, how much money have I lost?
Replies: 22
Views: 3558

Re: If I buy $20,000 of a fund, and sell it at $19,500, how much money have I lost?

Thanks for the replies everyone! The reason I ask is this: I own 20k of a Vanguard Life Strategy fund in my taxable account 3 weeks ago, which is now worth ~19.5k. I realize that I should have bought a 3-fund portfolio so that I can tax loss harvest if I need to (I'll skip international bond, althou...
by jastevenson
Sun Nov 15, 2015 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: If I buy $20,000 of a fund, and sell it at $19,500, how much money have I lost?
Replies: 22
Views: 3558

If I buy $20,000 of a fund, and sell it at $19,500, how much money have I lost?

This may be a stupid question, but are there any fees or other transactional losses for the above? I know it's not a taxable event, since the investment is worth less than was paid for it. But is there any other loss? (i.e., more than $500, in this example)? Because for a stock (rather than a mutual...
by jastevenson
Sat Nov 14, 2015 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Shady behavior by Fidelity...sneaking sector funds into target date funds.
Replies: 35
Views: 3791

Re: Shady behavior by Fidelity...sneaking sector funds into target date funds.

I don't mean to imply that what Fidelity is doing is illegal.

However, I think they have their own interests, rather than the interests of investors, in mind.
by jastevenson
Sat Nov 14, 2015 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Shady behavior by Fidelity...sneaking sector funds into target date funds.
Replies: 35
Views: 3791

Shady behavior by Fidelity...sneaking sector funds into target date funds.

I have a 457b fund with a prior employer which is invested in a target date fund with a low ER: Fidelity Freedom Index 2045 Fund Class W. https://retiretxn.fidelity.com/nbretail/workplacefunds/composition/2773 98.6% of the fund makes sense...it's total US stock index + total int'l stock index + tota...
by jastevenson
Sat Nov 14, 2015 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Did backdoor Roth now have $0.02 in traditional IRA. Now what?
Replies: 7
Views: 726

Re: Did backdoor Roth now have $0.02 in traditional IRA. Now what?

Thanks for the advice, everyone :)

I think I will just wait 'til Jan 1, add $5499.98 to the IRA, and then convert it all to Roth, which should zero out the IRA.
by jastevenson
Sat Nov 14, 2015 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Did backdoor Roth now have $0.02 in traditional IRA. Now what?
Replies: 7
Views: 726

Did backdoor Roth now have $0.02 in traditional IRA. Now what?

I contributed $5500 to an IRA, waited 2 weeks, and then converted it to a Roth IRA. However, in the two weeks, I received 2 cents of interest, so now there is $0.02 in my IRA, and $5500 in my Roth. To keep the IRS happy, is there anything I should do with the 2 cents in my IRA? Do I need to close th...
by jastevenson
Thu Nov 12, 2015 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Have FSA with money rolling over to 2016, but now want HSA. Possible?
Replies: 11
Views: 882

Have FSA with money rolling over to 2016, but now want HSA. Possible?

I have a traditional health plan and an FSA. I will have unused money in my FSA, and under the new FSA rules, it will roll over to 2016. However, I now want an HSA/HDHP rather than my current traditional health plan+FSA. Is this possible? Or would I need to forfeit the money in my FSA in order to en...
by jastevenson
Thu Nov 12, 2015 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Critique my updated 3M retirement portfolio
Replies: 15
Views: 2808

Re: Critique my updated 3M retirement portfolio

If you are living exclusively off bond income, then your tax bracket is probably (relatively) low.

So why munis rather than traditional bonds?
by jastevenson
Sat Nov 07, 2015 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Have people who want early retirement actually BETA-TESTED it to see if you like it?
Replies: 13
Views: 1309

Re: Have people who want early retirement actually BETA-TESTED it to see if you like it?

I agree about the social component. The thing is that if you retire at, say, 40, all of your friends are still working 8-5 pm. So you're basically going to be doing activities by yourself (or at best, with your spouse). For example, I love going to the lake and hanging out with friends. But when I w...
by jastevenson
Sat Nov 07, 2015 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Have people who want early retirement actually BETA-TESTED it to see if you like it?
Replies: 13
Views: 1309

Have people who want early retirement actually BETA-TESTED it to see if you like it?

I'm curious whether people who are saving their pennies for early retirement have actually tried it out to see if they REALLY want it? Speaking personally, a few years ago I had a period of about 4 months between the end of my prior job and the start of my new job. At the beginning I really enjoyed ...
by jastevenson
Sun Oct 25, 2015 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Best financial moves for a new one income household?
Replies: 5
Views: 1044

Best financial moves for a new one income household?

My wonderful wife is a professional who could make a six-figure income, but has recently become a stay-at-home mom. We both agree this is the best decision for the time being, I'd like to hear any ideas on the best way to financially "optimize" this situation. Some of my ideas (not fully f...

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