Search found 415 matches

by kiddoc
Fri Jul 28, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Penn National for insurance?
Replies: 10
Views: 551

Re: Penn National for insurance?

I would look at a more objective rating than just online reviews. Thank you so much for this. It made me think there must be more resources available. Further searches led me to PA insurance complaints tool and introduced me to something called "complaint index". That was helpful in my de...
by kiddoc
Fri Jul 28, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Penn National for insurance?
Replies: 10
Views: 551

Re: Penn National for insurance?

Yelp reviews in their headquarter city, Harrisburg, PA, are not encouraging: 1 star average over 9 reviews, m Exactly! That's what makes me nervous. However, by their very nature, online reviews trend towards overly negative. I have my issues with Vanguard but will not give them 2/5 stars after 81 ...
by kiddoc
Fri Jul 28, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Penn National for insurance?
Replies: 10
Views: 551

Penn National for insurance?

I had never heard of this company: Penn National. An independent agent sent me their quotes for auto, renter's and umbrella insurance which are better than the closest competitor (State Farm) by around $450/yr. I am seriously considering using them for my insurance needs. However, almost all reviews...
by kiddoc
Thu Jul 27, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: State Farm vs Penn National- auto, renters, umbrella?
Replies: 58
Views: 5560

Re: State Farm vs Penn National- auto, renters, umbrella?

Make sure both of your quotes include discounts for getting all the policies with the same company. If you price policies individually, the costs may be substantially higher. Yes, both quotes include multi policy discounts. What worries me now is that almost every experience I can find online for p...
by kiddoc
Wed Jul 26, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: State Farm vs Penn National- auto, renters, umbrella?
Replies: 58
Views: 5560

Re: State Farm vs Penn National- auto, renters, umbrella?

OK here we go: Final options are in: State Farm Auto: Good liability coverage, but slightly less bells and whistles: 900/6 mths Renters: Good liability and replacement options: 163/yr Umbrella for 2M: 313/yr Independent agent recommends- Penn National Auto: Good liability coverage with lots of bells...
by kiddoc
Sat Jul 22, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to use a non-government 457b?
Replies: 2
Views: 284

How to use a non-government 457b?

I will be joining a large organization as an employed physician soon. So far, I have been with a small private practice; decided to abandon the partnership track as the finances/income stream security terms were not making sense. DW and I are in mid-30s, good savers, have negligible debt but have no...
by kiddoc
Sat Jul 22, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: State Farm vs Penn National- auto, renters, umbrella?
Replies: 58
Views: 5560

Re: Why does State Farm have poor reviews?

Thanks everyone. I will give a serious look to State Farm and consider insuring with them once the independent agent gets back to me.
by kiddoc
Fri Jul 21, 2017 12:43 am
Forum: Investing - Help with Personal Investments
Topic: ibond purchases on treasurydirect
Replies: 11
Views: 1313

Re: ibond purchases on treasurydirect

I would convert the paper bonds into electronic bonds right away for ease of accounting/ keeping track of things:

Convert Your Paper Savings Bonds Using SmartExchange
by kiddoc
Thu Jul 20, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: State Farm vs Penn National- auto, renters, umbrella?
Replies: 58
Views: 5560

State Farm vs Penn National- auto, renters, umbrella?

***********Updated question********* Final options are in: State Farm Auto: Good liability coverage, but slightly less bells and whistles: 900/6 mths Renters: Good liability and replacement options: 163/yr Umbrella for 2M: 313/yr Independent agent recommends- Penn National Auto: Good liability cover...
by kiddoc
Wed Jul 19, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Compensation and Subspecialties
Replies: 53
Views: 4491

Re: Physician Compensation and Subspecialties

1- How much does the 7 days on/ 7 days off schedule for full time pay matter to you? Very few subspecialists have that kind of a schedule. Subspecialists' schedules are typically more stressed and can involve driving to multiple locations/ shuttling between clinic and hospital. 2- Especially if you ...
by kiddoc
Tue Jul 18, 2017 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Good Service for Flagship Investors
Replies: 35
Views: 4306

Re: Good Service for Flagship Investors

kiddoc, am curious to know how recently the mistakes you enumerated were made. I'm trying to overcome my bad impression of Vg from attempts to transfer an IRA there a few months ago. 5 errors in the last 3 years. To be fair to them, they haven't messed up anything in my IRA after the initial mis-re...
by kiddoc
Tue Jul 18, 2017 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Good Service for Flagship Investors
Replies: 35
Views: 4306

Re: Good Service for Flagship Investors

My poor experiences comprise the following: 1) Taxable account- SpecID sell orders for TLH processed as FIFO generating taxable gains (covered shares). 2) Taxable account- Generated wash sale by re-investing dividends going against clear instructions from me on their website. 3) Taxable account: Re...
by kiddoc
Tue Jul 18, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Good Service for Flagship Investors
Replies: 35
Views: 4306

Re: Good Service for Flagship Investors

I am glad people are posting good experiences to put things in context. I think Vanguard has the best investment products. Unfortunately, my experiences with brokerage and record keeping in Voyager Select have not been great so I am probably not going to reach Flagship level. For now, I am keeping s...
by kiddoc
Sat Jul 15, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Inconsistent Vanguard requirements for gifting stock
Replies: 3
Views: 273

Re: Inconsistent Vanguard requirements for gifting stock

Sounds pretty par for the course for Vanguard going by my experiences. I go there expecting incompetence and inconsistencies as a way of life at Vanguard. My advice: Call them once but if they mention referring you to their resolutions department, you will probably be better off jumping through the ...
by kiddoc
Thu Jul 13, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: The CAPEable Portfolio!
Replies: 30
Views: 2398

Re: The CAPEable Portfolio!

I use something similar but less dramatic. My cash/bond deviation from goal caps out at 15-20%. I am sure if you do a long term analysis where the market eventually recovers, a buy and hold strategy would be much more successful than this. Larry Swedroe analyzed an interesting article from Estrada e...
by kiddoc
Thu Jul 13, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 2739

Re: Moving a car cross country

Thanks for the offers guys. It's a move from the South to a Mid-atlantic state. For now, DW and I have decided to make a road trip of it. If she changes her mind, will let you know.
by kiddoc
Thu Jul 13, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 3894

Re: Hotel tipping: how much to leave?

Single night stay- arrive in evening, leave in morning: usually don't tip.

Multi-night stay: $5/night

Exceeds expectations: Extra $10
by kiddoc
Thu Jul 13, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Tipping packers/ movers for long haul move
Replies: 2
Views: 399

Tipping packers/ movers for long haul move

In the past, whenever I have moved, the same team has packed/ moved my relatively small sized home. They come in the morning, pack everything, load it up and leave. I usually tip every team member $20 once they have loaded everything. Then, I tip the unloading staff $20 each when they deliver/ unloa...
by kiddoc
Tue Jul 11, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 2739

Re: Moving a car cross country

Thank you all. Great pieces of advice! Some pearls that really stuck with me: Crosscountry driver.com or other websites- Asked for quotes: Ballpark $1.5/mile (trip is ~1200 miles). None of these companies insure their drivers. They basically said: your car, your insurance, your liability if our driv...
by kiddoc
Mon Jul 10, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 2739

Re: Moving a car cross country

Goal33 wrote:Can the outback tow the accord?


i would hate to tow a car that far. For one, it may not be safe as we have never towed a car before. Moreover, in my mind, towing just increases the engine wear and tear exponentially. I am hoping to keep the Subaru for at least a decade.
by kiddoc
Mon Jul 10, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 2739

Re: Moving a car cross country

Shaving a day's travel, splitting 18 hours of driving time with spouse, and spending about half of that time relaxing in the passenger's seat, and all of it in the vehicle with my spouse rather than alone, would have significant value to me. OP's nick suggests a relatively lucrative career. I'd lea...
by kiddoc
Mon Jul 10, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 2739

Re: Moving a car cross country

123 got it before I had a chance to respond. There are a lot of areas with spotty cell phone coverage. We have missed rest stop exits in the past when we couldn't communicate. Moreover, phones are a little hassle to use while driving. They make mistakes with voice commands when connect to the cars u...
by kiddoc
Mon Jul 10, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Need to switch from Cricket to Tmobile, how?
Replies: 2
Views: 362

Re: Need to switch from Cricket to Tmobile, how?

Wow, I am looking to make the exact opposite switch! I think Cricket works on the AT&T network so has much better coverage in most places when compared to T mobile. One of my friends uses At&T and we have taken several trips together. I have never been in an area where we have T mobile cover...
by kiddoc
Mon Jul 10, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 47
Views: 3521

Re: Fidelity, Vanguard or Schwab? I need to choose.

Fidelity works best for me as I have a donor-advised fund there and Vanguard keeps messing up transfers. Fidelity credit card has 2% cash back on everything. Schwab credit cards don't have foreign transaction fees. Fidelity seems to have better mutual fund options and tax-loss harvesting partners fo...
by kiddoc
Mon Jul 10, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 2739

Moving a car cross country

We are moving over the next month. We have 2 cars and the drive is around 18 hours. We were hoping to drive our Honda Accord and ship the Subaru Outback. This way, DW and I can take turns driving. We have made several long trips like this. I have looked at a few previous threads about shipping vehic...
by kiddoc
Mon Jul 10, 2017 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Schwab mutual funds: Capital gains distribution chances?
Replies: 9
Views: 632

Fidelity or Schwab mutual funds: Capital gains distribution chances?

This applies to taxable accounts: I know Vanguard has a model where large withdrawals of money from index mutual funds do not lead to capital gains distributions to investors who are not selling. As someone moving to Fidelity/ Schwab for better customer service and accounting accuracy, I am interest...
by kiddoc
Tue Jul 04, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: More Vanguard woes: who decides cost basis when donating to donor-advised fund?
Replies: 5
Views: 703

Re: More Vanguard woes: who decides cost basis when donating to donor-advised fund?

I don't know whether Vanguard gets this correct with covered shares. I wouldn't expect them to. All my shares were covered shares with specific identification. What really makes me angry at Vanguard is: 1- It took them 4 months to acknowledge they had made a mistake. 2- Even after 3 different reps ...
by kiddoc
Sun Jul 02, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds or TIPS?
Replies: 46
Views: 3745

Re: Bonds or TIPS?

TIPS are not a great instrument to chase yield. Their primary use in a portfolio is protection against unexpected inflation. As someone has written above, the long term REAL-yield is expected to be almost the same as treasuries. If you are not happy with low yields on treasuries, the only comparable...
by kiddoc
Sun Jul 02, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: More Vanguard woes: who decides cost basis when donating to donor-advised fund?
Replies: 5
Views: 703

Re: More Vanguard woes: who decides cost basis when donating to donor-advised fund?

1) When donating shares the broker does not report the cost basis to anyone as far as my experience goes, so I don't see why you need to worry. You are responsible for reporting. 2) N/A. Phew! that's a relief. Thanks. I'll just report these donations at Fidelity's fair market value and claim all ca...
by kiddoc
Sun Jul 02, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: More Vanguard woes: who decides cost basis when donating to donor-advised fund?
Replies: 5
Views: 703

More Vanguard woes: who decides cost basis when donating to donor-advised fund?

I am slowly winding down my large Vanguard taxable account with transfers to other brokerages where feasible and charitable donations to my Fidelity DAF. As usual, Vanguard is utterly incompetent in their accounting. Here's the scenario: 1) Index fund acquired: August 2015. Converted to Admiral shar...
by kiddoc
Wed Apr 26, 2017 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Equity crowdfunding/investing in tech startups
Replies: 7
Views: 844

Re: Equity crowdfunding/investing in tech startups

Would this be best placed in a taxable account, such as a money market account? Let's put it this way: I would not want to risk any serious/ tax protected money on individual stocks/ lottery tickets like you have mentioned. Moreover, a taxable account will allow you to deduct losses at tax time. Si...
by kiddoc
Tue Apr 25, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Equity crowdfunding/investing in tech startups
Replies: 7
Views: 844

Re: Equity crowdfunding/investing in tech startups

You are basically hoping for a small growth company to hit it out of the park. As an asset class, diversified small growth portfolios have not done very well in the past according to most academic studies. Taken individually, they are basically lottery tickets. If you have a strong desire to dabble ...
by kiddoc
Tue Apr 25, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Real-Estate so Bad?
Replies: 113
Views: 10037

Re: Why is Real-Estate so Bad?

Real estate is not "BAD" per se. It can be a very tax-efficient investment, much more efficient than stocks/ bonds in high marginal tax brackets. You can also diversify over time and decide how much time and effort you want to put in: just add costs of property management and repairs when ...
by kiddoc
Tue Apr 25, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Recent transfers to Vanguard, cost-basis success?
Replies: 17
Views: 1325

Re: Recent transfers to Vanguard, cost-basis success?

Vanguard's brokerage accounting competence is at the level of a high school computer lab, at best, sometimes much worse. In the past year, they have made 2 costly cost-basis errors in my accounts. I agree with livesoft. Use TDA self managed window and buy Vanguard ETFs there. They allow for dividend...
by kiddoc
Thu Apr 20, 2017 7:35 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 40015

Re: Larry Swedroe says "Goodby."

Many thanks to Larry for his invaluable advice over the years
I will miss his insight and deeply academic analysis of complex investment decisions; yet his brevity and ability to make it all understandable.
:beer
by kiddoc
Thu Apr 20, 2017 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Which small-cap value index is better?
Replies: 7
Views: 1135

Re: Which small-cap value index is better?

ZenInvestor wrote:Wisdom tree seems to be a good pair. 60-month 5 factor regression:


Interesting. I had never heard of the WisdomTree Dividend Index they claim to follow. Looks like it was established in 2006. I will have to read more about this index I guess.
by kiddoc
Tue Apr 18, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Which small-cap value index is better?
Replies: 7
Views: 1135

Re: Which small-cap value index is better?

VBR has 40% mid-cap, so it misses on point (1). VTWV has about 90% small-cap, and a lower ER than you're currently paying (0.20% vs 0.25%), but buying it at Fidelity will incur Fidelity's normal trading fees. You might consider JKL, iShares Morningstar Small-Cap Value ETF. It's not commission-free ...
by kiddoc
Tue Apr 18, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Which small-cap value index is better?
Replies: 7
Views: 1135

Re: Which small-cap value index is better?

--the other alternatives are notably less tax efficient Thanks, I didn't know that --the return variations (positive or negative) from changing indexes will overwhelm the impact of the TLH. Thanks for making me look for this. The differences in returns since inception (although only a few years) be...
by kiddoc
Tue Apr 18, 2017 1:22 am
Forum: Investing - Help with Personal Investments
Topic: Which small-cap value index is better?
Replies: 7
Views: 1135

Which small-cap value index is better?

For US investments tilted to small-cap value, I mainly use IJS (S&P small-cap 600 value index) because it invests in somewhat small and value stocks and is "good enough" for a DIY investor who doesn't have access to DFA funds and cares about cost/ tax-efficiency. Which index would be a...
by kiddoc
Sun Apr 09, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Weirdness
Replies: 1
Views: 404

Re: Vanguard Account Weirdness

I am a little confused: does "rollover IRA" mean a previous 401 k you "rolled over" into a traditional IRA? Or does it mean a non-deductible IRA? If they are all traditional IRAs, you can certainly combine them as the cost basis is zero. I would not recommend combining a non-dedu...
by kiddoc
Sun Apr 09, 2017 8:18 pm
Forum: Investing - Theory, News & General
Topic: "We're changing how we report costs. You still benefit."
Replies: 14
Views: 2586

Re: "We're changing how we report costs. You still benefit."

Why should we care? As long as you use Fidelity, Vanguard, Schwab, or hold one of their low cost index options at Merrill Edge or TD Ameritrade, does it really matter whether it is 0.17% or 0.12%? Geez, I saved 0.05% in my $100,000 fund this year: That's $50 saved in a full year. I would much rather...
by kiddoc
Sun Apr 09, 2017 8:13 pm
Forum: Investing - Theory, News & General
Topic: Death of retail/malls to affect REITs?
Replies: 69
Views: 7213

Re: Death of retail/malls to affect REITs?

Undoubtedly, but if you and I are talking about it on a message board, it has probably already been priced in. I've come to the conclusion that since I don't spend all day every day on this stuff that by the time I figure it out, it is not actionable. There have been store closings and vacant comme...
by kiddoc
Sun Apr 09, 2017 8:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Taking-In $2 Billion a Day in New Cash
Replies: 30
Views: 5438

Re: Vanguard Taking-In $2 Billion a Day in New Cash

<sigh> So that's why they haven't had time to fix their major errors in my cost-basis accounting for 2 months now. Are you still going to transfer your accounts? I believe you were pretty unhappy with VG. I am considering doing a complete transfer of our 3 VG accounts to Schwab. Don See here: Error...
by kiddoc
Sat Apr 08, 2017 10:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Taking-In $2 Billion a Day in New Cash
Replies: 30
Views: 5438

Re: Vanguard Taking-In $2 Billion a Day in New Cash

<sigh> So that's why they haven't had time to fix their major errors in my cost-basis accounting for 2 months now. :oops:
by kiddoc
Fri Apr 07, 2017 7:39 am
Forum: Investing - Theory, News & General
Topic: What are "safe bonds"?
Replies: 16
Views: 1236

Re: What are "safe bonds"?

"safe bonds", taken literally would mean a bond with reasonable yields and no credit risk, inflation risk or duration risk. To my knowledge, such an instrument does not exist once taxes are accounted for. The closest would be the early issues of I-bonds with fixed rates >5%. In general use...
by kiddoc
Tue Mar 28, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Where can I buy Vanguard Funds w/o Fees ?
Replies: 37
Views: 3522

Re: Where can I buy Vanguard Funds w/o Fees ?

If you are looking to open a taxable account, I would recommend staying far away from Vanguard. In my experience, they have simply been incompetent and made me waste precious time and money. However, some agree with me while some report different experiences. I will put in a quote from my previous p...
by kiddoc
Tue Mar 28, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 48
Views: 4953

Re: Geico insurance rate increase: 26.24% APY?

It pays to shop around. My GEICO policy recently went up to $805.00 per 6 months for my car and truck. When I asked for a better price, they said there was no way they could do it for any less. I checked around and received a quote for $650ish for the same coverage with another company. When I call...
by kiddoc
Tue Mar 28, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Does this constitute a wash sale?
Replies: 8
Views: 751

Re: Does this constitute a wash sale?

While common sense may dictate that the re-invested dividends in the other account were not "replacement shares bought within 30 days", this is ambiguous at best. I remember researching a similar situation in the past. Someone had linked to a description of an IRS ruling on margin accounts...
by kiddoc
Thu Mar 23, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Reimburse Medical Expenses in "Arrears" with HSA?
Replies: 25
Views: 1403

Re: Reimburse Medical Expenses in "Arrears" with HSA?

mhalley wrote:Rather than trying to contribute the exact amount that you spent in medical expenses, you would be better off maximizing the hsa contributions. Many here plan to NOT reimburse their yearly expenses until retirement, turning the hsa into a "stealth Ira".


+1
by kiddoc
Thu Mar 23, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard cost basis during transfers: lessons learned
Replies: 2
Views: 822

Re: Vanguard cost basis during transfers: lessons learned

I'm also sorry to hear that your headaches are "taxable". The headaches created due to Vanguard's incompetence are. The tax cost so far has ranged from $16 to $540. Hopefully, Vanguard will be able to fix their errors so that I don't have to actually pay these at tax time. It's a differen...