Search found 2426 matches

by rob
Fri Aug 26, 2016 6:43 pm
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 37
Views: 3510

Re: Fidelity competing harder w/Vanguard

Great to see some competition - Great for us to have options....
by rob
Thu Aug 25, 2016 12:59 am
Forum: Personal Finance (Not Investing)
Topic: should a student invest for retirement?
Replies: 13
Views: 991

Re: should a student invest for retirement?

Anything you can contribute to a Roth could stay invested for a v e r y long time..... It's time in the market not market timing :D
by rob
Tue Aug 23, 2016 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Re-finance? (Finish minor upgrades before?)
Replies: 9
Views: 706

Re: Re-finance? (Finish minor upgrades before?)

None of my refi's have ever step foot in the house.... Do or don't is not going to matter IMO.....
by rob
Thu Aug 18, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Should I hire a wealth management company to manage my money?
Replies: 16
Views: 1960

Re: Should I hire a wealth management company to manage my money?

I think you need to separate the pieces a little... The mechanics of investing are simple and easy to do yourself (build a plan and follow the advice here). Where you probably need some help is in estate planning, tax planning and anything specific about the business that's unusual (stock options, h...
by rob
Sat Jun 18, 2016 9:59 pm
Forum: Investing - Theory, News & General
Topic: Why You Shouldn't Do International Stocks?
Replies: 60
Views: 7762

Re: Why You Shouldn't Do International Stocks?

So your taking the piece you agree with and dismissing the other part? :D

Do what makes sense to you and stick to it..... I think using only US stock is short-sighted but that's my opinion.
by rob
Thu Jun 09, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: England Trip
Replies: 12
Views: 1347

Re: England Trip

The PIN you have is almost certainly NOT the right one. Have ATM cards and carry some cash. Credit cards mostly work but you will get funny looks from some places off the tourist traps and don't assume it will work regardless of what nonsense the US bank says.
by rob
Tue Jun 07, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: The Goldilocks Theory of Being Rich
Replies: 31
Views: 4142

Re: The Goldilocks Theory of Being Rich

“You can’t buy happiness,” goes the cliché. I see this nonsense all the time..... What little cannot be bought outright can be rented or leased easily enough :D I'd say maybe health cannot be bought but in a lot of cases even that is not true. I guess I don't see the point of having 2 groups that a...
by rob
Tue Jun 07, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: building a house- realtor recommends selling and renting?
Replies: 22
Views: 2249

Re: building a house- realtor recommends selling and renting?

My cynicism tells me 1 commission in the hand is better than...... Do what you want and ignore what someone sucking a commission out of you wants.
by rob
Mon Jun 06, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34680

Re: [Fidelity drops AmEx, Bank of America credit cards]

I have the 2% mastercard AND 2% amex..... My letters have the Amex continuing at 2% unlimited but the mastercard 2% limited to 150K points/year [75K charged]. I love how the FAQ misses the main question I have - When do we get the new cards :D Have to recreate the auto payments which is annoying - h...
by rob
Fri Jun 03, 2016 10:01 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Developed Markets Index Fund now tracking new FTSE index."
Replies: 22
Views: 2751

Re: "Vanguard Developed Markets Index Fund now tracking new FTSE index."

I agree the recent index based change is "unobjectionable". Would have preferred it to still be tax managed with all dividends qualified. I have unfortunately owned this monster since it was a tax managed fund (almost since inception in fact)... then Vanguard shafted me (Unfortunatly that...
by rob
Fri Jun 03, 2016 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need help inside of VanGuard, please help... Desperate
Replies: 30
Views: 2564

Re: Need help inside of VanGuard, please help... Desperate

No help on the sale fees but if you work out the cost difference between your new funds and old, I suspect it's in that order every year at USAA.
by rob
Thu Jun 02, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: 3-Day Weekend: Monday vs. Friday?
Replies: 47
Views: 3328

Re: 3-Day Weekend: Monday vs. Friday?

tooluser wrote:Because if you die on Saturday or Sunday it won't matter as much.

I'd be pretty upset if I woke up dead on a weekend..... If your going to go might as well be a Monday on the job IMO :D
by rob
Thu Jun 02, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 83
Views: 9451

Re: How to get a real Chip and Pin card?

I have been unable to get an app for Barclay cards for a few weeks now - They just say check back later. Not sure if others get the same thing.
by rob
Wed Jun 01, 2016 7:48 pm
Forum: Personal Consumer Issues
Topic: 3-Day Weekend: Monday vs. Friday?
Replies: 47
Views: 3328

Re: 3-Day Weekend: Monday vs. Friday?

Fri - There are more holidays on Monday :D
by rob
Tue May 31, 2016 11:25 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Developed Markets Index Fund now tracking new FTSE index."
Replies: 22
Views: 2751

Re: "Vanguard Developed Markets Index Fund now tracking new FTSE index."

I wish I had never bought into this fund.... Vanguard's style drift on this one is disgraceful!
by rob
Tue May 31, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: It's not shady to move States for tax reasons is it?
Replies: 48
Views: 4888

Re: It's not shady to move States for tax reasons is it?

Why would it be? Companies do this all the time (and worse). Most of us have a mix of reasons for living where we do - tax is just one variable. I hear Alaska has lower taxes than most places but it's not overridden by lower 48 ers :D
by rob
Tue May 31, 2016 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement and opportunity cost, by Harry Sit
Replies: 144
Views: 12452

Re: Early retirement and opportunity cost, by Harry Sit

I do not believe my story is unusual. It is common among my peers when they are in their 40s and 50s. KlangFool Your situation is very unusual. You don't realize it because your peers (same industry and geographic locations) are in the same boat.<snip> I don't know how common across the population,...
by rob
Mon May 30, 2016 11:32 pm
Forum: Investing - Theory, News & General
Topic: New "Flagship Select" level at Vanguard
Replies: 46
Views: 10793

Re: New "Flagship Select" level at Vanguard

Seems to be a little inflation in the small perks..... If I recall some of the existing levels have lost CFP perks [wasn't it orig in the one below Flagship?], so this must be where they went :D Meh... It's like knowing they have signal share class - academic :?
by rob
Mon May 30, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 66
Views: 5537

Re: Moving to North Caolina from NYC

Make sure you understand the costs.... It might have been much cheaper in the past but with so many companies moving in over the last few years we found like to like not all that much cheaper. If you have school age kids investigate the school quality because for us that would have been a big hit pu...
by rob
Sun May 29, 2016 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Investing when you have an estranged spouse
Replies: 274
Views: 16171

Re: Investing when you have an estranged spouse

OP - Unless you've made up the details.... You really need to remove specifics as they are easy to identify.
by rob
Fri May 27, 2016 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Old Amex Travelers Checks
Replies: 5
Views: 682

Re: Old Amex Travelers Checks

I have cashed some from the 90's issued in another country without issue......
by rob
Fri May 27, 2016 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Gain Harvest for Kid UGTMA
Replies: 9
Views: 520

Re: Tax Gain Harvest for Kid UGTMA

On the UTMA front - I do that all the time and have for years... keeping the gains below the level of tax. The idea is to turn over the account at 18/21 with a higher basis.
by rob
Wed May 25, 2016 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Can I still contribute to a 401k if I no longer work for the company?
Replies: 11
Views: 948

Re: Can I still contribute to a 401k if I no longer work for the company?

A few issues in here.... - You can rollover to an IRA within a brokerage account and still own shares in any listed company. For this statement to be true, the plan must allow in-kind distributions. Most plans that I have encountered are written to only allow cash distributions, so the account woul...
by rob
Wed May 25, 2016 10:08 am
Forum: Investing - Theory, News & General
Topic: This Bull Seems to be Getting Pretty Long In the Tooth
Replies: 76
Views: 7360

Re: This Bull Seems to be Getting Pretty Long In the Tooth

Sure... but I'm doing nothing about it other than to re-balance. I'm not smart enough to know when to jump out and get back in again...... and I'm not alone even those who THINK they are smart enough to time the market.
by rob
Wed May 25, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Need Moral Support for FA Breakup!
Replies: 68
Views: 5212

Re: Need Moral Support for FA Breakup!

Jack FFR1846 wrote:Tell him that you really like his BMW and so next year, you're going to use your money to buy yourself one instead of using your money to buy him another one.

This!
by rob
Wed May 25, 2016 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Can I still contribute to a 401k if I no longer work for the company?
Replies: 11
Views: 948

Re: Can I still contribute to a 401k if I no longer work for the company?

A few issues in here.... - Your contributions are always 100% vested. - The employer match usually vests over time but if you have left, your not going to get those no matter how long you wait. - You can rollover to an IRA within a brokerage account and still own shares in any listed company. - Thin...
by rob
Tue May 24, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on trips/vacations?
Replies: 74
Views: 5176

Re: How much do you spend on trips/vacations?

For me; it's been all over the map (pun intended - sorry but I never said it was a good one) depending on the stage of life..... I spent some time on the road with no fixed abode or job (some part time stuff at times when I needed some beer money)... so well north of 100% down to nothing more than a...
by rob
Mon May 23, 2016 2:37 pm
Forum: Investing - Theory, News & General
Topic: "Can Anything Stop Vanguard?"
Replies: 50
Views: 7867

Re: "Can Anything Stop Vanguard?"

Their website is not as fancy as Fidelity's, but do you need all those fancy functionalities with the BH approach? Yes... Most of what I have an issue with is hardly "fancy". - Tracking of specific tax lots is a basic function at most places - It's somewhere between a nightmare and a joke...
by rob
Fri May 20, 2016 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Due Date
Replies: 16
Views: 1692

Re: Credit Card Due Date

I would do a day or two after mid month - so credit cards mid month pay and rent end of month pay.... then setup auto 100% pay on the credit cards so you get the full float and no chance of missing a payment.
by rob
Wed May 18, 2016 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Signing Bonus -- possible to negotiate to minimize taxes?
Replies: 23
Views: 1810

Re: Signing Bonus -- possible to negotiate to minimize taxes?

I have no idea if they would do this but stock options payable in 2 years might be an option.
by rob
Wed May 18, 2016 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Getting married and how to quit my job. This is follow-up post earlier post
Replies: 16
Views: 1680

Re: Getting married and how to quit my job. This is follow-up post earlier post

Didn't read the other long post but just do it in writing and be prepared to finish the day you had in your notice. The paperwork is just clear and needs no explanation. If you want to give them a reason while talking just say your taking time off. I'm not seeing the dilemma - have fun and congrats ...
by rob
Tue May 17, 2016 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 8968

Re: Is it common for a step mother to inherit everything?

While we generally don't recommend joint ownership or naming beneficiaries for large accounts and in large estates What's the rationale behind this part? Do you mind expanding on some reasons? I would have expected it to be critical for larger accounts - to avoid probate.... or are you implying it ...
by rob
Tue May 17, 2016 4:23 pm
Forum: Investing - Theory, News & General
Topic: The inventor of the 401(k) says he created a ‘monster’
Replies: 28
Views: 5003

Re: The inventor of the 401(k) says he created a ‘monster’

Tamales wrote:What if it turns out you are able to retire early, but for all that money locked up in a 401k under penalty ;o)

It's not locked?? SEPP will unlock without penalty (although you have to jump thru the right hoops).
by rob
Mon May 16, 2016 5:52 pm
Forum: Investing - Theory, News & General
Topic: The inventor of the 401(k) says he created a ‘monster’
Replies: 28
Views: 5003

Re: The inventor of the 401(k) says he created a ‘monster’

While people on this board have no doubt taken advantage... for the general population it's hard to disagree. Fees as far as the eye cannot see, hidden under complex high cost funds and the worst part - the pushing of the responsibility of a revenue stream at retirement from the plan to the individu...
by rob
Mon May 16, 2016 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Hiring kids to jumpstart their Roth IRAs
Replies: 13
Views: 1575

Re: Hiring kids to jumpstart their Roth IRAs

Lots of people seem to do it and get away with it..... It should be income (with relevant taxes) that is in line with the duties performed - you have to make sure it's not determined to be income shifting to the minor. I don't see how most of the hiring little kids passes the sniff test personally.....
by rob
Fri May 13, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can someone explain to me how Term life is a better choice than WLI.
Replies: 69
Views: 6379

Re: Can someone explain to me how Term life is a better choice than WLI.

Lots of more correct answers above but ask them how much they get paid as a sales commission if you take out WL and then as how much they get paid if you take out Term.... You think the insurance company pays them differently for no reason.
by rob
Fri May 13, 2016 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: paid off mortgage...what happens next?
Replies: 19
Views: 3310

Re: paid off mortgage...what happens next?

If you were escrow before on your insurance and property tax remember you have to pay now. Change the local tax records to remove the mortgage company and send you the only bill. As above also have the insurance company remove the mortgage company. Not sure how long it is lasting since your selling ...
by rob
Thu May 12, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34680

Re: [Fidelity drops AmEx, Bank of America credit cards]

I'm pretty annoyed as I had a Fido Mastercasrd and Amex, so assume both will be converted to visa... I already have Visa. I'm also away when they will send out new cards. Now I have to go an get a mastercard and/or amex as I always want a choice of networks :twisted:
by rob
Mon May 09, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: Wine Buying, Rating, Storage Guides and Apps
Replies: 26
Views: 1964

Re: Wine Buying, Rating, Storage Guides and Apps

Also, watch the movie Somm, which is a documentary about some young guys seeking their master sommelier certification. You can get it on Netflix. There is also "somm:Into the bottle" on netflix that is more about the wines & locations and less about the certification process. I watche...
by rob
Sun May 08, 2016 8:31 pm
Forum: Personal Consumer Issues
Topic: Wine Buying, Rating, Storage Guides and Apps
Replies: 26
Views: 1964

Re: Wine Buying, Rating, Storage Guides and Apps

I'm going to go against most of the replies.... Just grab some bottles from a smattering of regions and styles. When you find one you like, buy some more from that area. I have had wines high on the various ratings that TO ME were meh yet some way below the best ratings taste great to me. I have lon...
by rob
Sun May 08, 2016 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: regular vs tax managed
Replies: 8
Views: 822

Re: regular vs tax managed

From someone who bought that line of BS from Vanguard - Stay away from the TM funds... Vanguard is NOT committed to long-term investment objectives and the sands will change under your feet. My time over again, I would buy State Street ETF's in taxable and leave the Vanguard funds to tax-deferred.
by rob
Sat May 07, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Kids gadget usage restrictions
Replies: 7
Views: 706

Re: Kids gadget usage restrictions

Get a decent router and look at some more advanced firmware (e.g. tomato).... Create a different name for the kids and time limit it. Most of the devices kids use are useless without wifi.
by rob
Sat May 07, 2016 6:37 pm
Forum: Personal Consumer Issues
Topic: Has your workplace transitioned to "open/collaborative space?"
Replies: 85
Views: 7314

Re: Has your workplace transitioned to "open/collaborative space?"

Yeah it's all the rage again like the late 80's. I love how most people have headphones stuffed in their ears because that adds to productivity and communication :-/ Bottom line and it's not trendy, technical work needs some quite time to concentrate (get into the zone if you like the buzz word crap...
by rob
Wed May 04, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Use 529 or cash first?
Replies: 29
Views: 2314

Re: Use 529 or cash first?

If you have other children that could use the 529 if you son drops out after the first year say.... then I would use cash. If an only child I would use the 529 first because non-qualifying withdrawals from a 529 gets a penalty. The point above about not been too stock heavy is a good point to keep i...
by rob
Tue May 03, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Recruiters reaching out with larger salary, how to ask for a raise at current job
Replies: 31
Views: 4457

Re: Recruiters reaching out with larger salary, how to ask for a raise at current job

JeffAL wrote:You can't. Prepare to leave.

This.... Land one of those jobs and move on.
by rob
Tue May 03, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 12963

Re: Sci-Fi ... your favorite movies and episodes??

In no specific order..... Here are the best ones that come to mind (okay, you might have guesses I might just be a sci-fi fan :D ).... Firefly Babylon 5 Crusade (it's a good solid B5 spin off) Dr Who (old and new) Blakes 7 is brilliant (it's hard to find in the US but well worth the effort) Dune (a ...
by rob
Tue May 03, 2016 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Sue your employer over 401k
Replies: 26
Views: 3660

Re: Sue your employer over 401k

But some employees go one step further — taking their employers to court. They allege that their retirement preparedness was compromised because of the company's poor management of their 401(k) plan. Don't like your employers benefits? Find a new employer. Pretty sure that filing a lawsuit would ca...
by rob
Tue May 03, 2016 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Investment Fee's [too high?]
Replies: 60
Views: 4886

Re: Investment Fee's [too high?]

What do you intend to discuss with your advisor? Thanks for your reply...I just told him last week I wanted a meeting and then he emailed me today asking what I wanted to talk about so he could be prepared to answer questions...I told him "to go over my account statements and explain them to m...
by rob
Mon May 02, 2016 8:48 pm
Forum: Personal Consumer Issues
Topic: Wine Purchase Question
Replies: 32
Views: 2362

Re: Wine Purchase Question

From the sounds of it this group probably has several wine snobs. Put the cheapest wine in a nice carafe and 99% of the time they will not know the difference. IMO wine is a personal thing.... I love some cheap wine and I hate some expensive wine. Costco has a lot of great options for $10-$12... Ju...
by rob
Mon May 02, 2016 7:44 pm
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 156
Views: 22987

Re: I bought the wrong car - know it after 15 days

Car seats are part of the safety system. Do not swap them for aftermarket seats. A number of after market seats are SAFER than OEM products - in fact a lot of sports car companies use these products instead of building their own seats, not sure why you classify them all as bad. It's all irrelevant ...

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