Search found 236 matches

by metalworking
Fri Apr 23, 2021 7:49 pm
Forum: Personal Investments
Topic: 457b Plan fee I have never heard of
Replies: 5
Views: 730

Re: 457b Plan fee I have never heard of

thanks to all of you for your replies. I have never heard of charging fees based on total assets of all employees (and the reps obviously didn't know about this either) so at least i know that this is not unusual. My ex employer must have negotiated a new contract over the last year. thanks again
by metalworking
Thu Apr 22, 2021 3:13 pm
Forum: Personal Investments
Topic: 457b Plan fee I have never heard of
Replies: 5
Views: 730

Re: 457b Plan fee I have never heard of

Thanks. If I annualized it the total would be 0.7% (she kept telling me the annualized fee is 0.1%) Funny thing is that balance is small. I had 26000.00 in a money market account at the start of the year. The amount is now 13000.00 (I take my last distribution february next year). The fee went from ...
by metalworking
Thu Apr 22, 2021 2:28 pm
Forum: Personal Investments
Topic: 457b Plan fee I have never heard of
Replies: 5
Views: 730

457b Plan fee I have never heard of

My 457b is at fidelity and last year the 'recordkeeping fee' increased significantly. I have called several times over the last year and no one can explain the increase. The quarterly fees continue to rise despite the fact that my balance has decreased. I finally received 'the answer' from my fideli...
by metalworking
Fri Feb 26, 2021 2:41 pm
Forum: Personal Consumer Issues
Topic: car phone adapter and feedback
Replies: 1
Views: 217

car phone adapter and feedback

My brother has a new car phone bluetooth car adapter kit installed in his truck so that he doesn't have to talk through his cell phone but instead talks through his car system. Whenever he calls me I hear horrible feedback screeching yet he does not hear anything unusual. If it was typical feedback ...
by metalworking
Wed Feb 10, 2021 7:09 pm
Forum: Personal Consumer Issues
Topic: What are your staple healthy meals?
Replies: 122
Views: 10124

Re: What are your staple healthy meals?

abuss368 wrote: Wed Feb 10, 2021 7:06 pm
metalworking wrote: Wed Feb 10, 2021 7:04 pm :sharebeer
abuss368 wrote: Sat Feb 06, 2021 5:29 pm
Taco Bell
McDonald’s 20 piece nugget, fries, and coke, and McFlurry?
Tony
change McFlurry out for Hot apple pie and :sharebeer :sharebeer
by metalworking
Wed Feb 10, 2021 7:04 pm
Forum: Personal Consumer Issues
Topic: What are your staple healthy meals?
Replies: 122
Views: 10124

Re: What are your staple healthy meals?

:sharebeer
abuss368 wrote: Sat Feb 06, 2021 5:29 pm
Taco Bell
by metalworking
Sat Jan 02, 2021 2:11 pm
Forum: Personal Consumer Issues
Topic: Bulging Iphone - How to replace securely
Replies: 30
Views: 2367

Re: Bulging Iphone - How to replace securely

I take my damage RC airplane lithium batteries to "batteries plus" store. They charge me for disposal if the battery is leaking because it has to be put in an appropriate container and disposed of properly but not if just swollen. You are correct that damaged/swollen Lithium batteries are ...
by metalworking
Wed Dec 30, 2020 12:35 pm
Forum: Personal Investments
Topic: How many years in fixed income if I won the game with 62x yearly expenses
Replies: 56
Views: 7484

Re: How many years in fixed income if I won the game with 62x yearly expenses

I like Dr. Bernstein's idea for those who have won the game. 20 or more years of draw down dollars in "safe" fixed income and invest the rest anyway you want -- even 100% equities. You don't need to triple your nest egg -- you need to make sure it fully funds your retirement and legacy wi...
by metalworking
Thu Dec 24, 2020 5:01 pm
Forum: Personal Investments
Topic: Super Conservative in Early Retirement?
Replies: 48
Views: 5085

Re: Super Conservative in Early Retirement?

If losing significant portfolio value in the first few years of retirement is a potentially devastating event, does it make sense to go ultra conservative for a bit to ensure preservation of the principle, adding risk after that period? Rick Ferri, Forbes (2/6/2015) "The Center of Gravity for ...
by metalworking
Sun Dec 06, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Hate My Job
Replies: 239
Views: 21325

Re: Hate My Job

I would personally not feel comfortable depending on the ACA subsidies until it is resolved. I think it's tight but health rules over money. I would try to find another job. OP could just work a part-time job to make a little income to cover out-of-pocket medical costs. Be careful about the part ti...
by metalworking
Wed Dec 02, 2020 1:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 15240
Views: 1178579

Re: U.S. stocks continue to soar!

Another day which makes me feel like a fool for working for a living. I think I might wander off to that "I need a new Truck" thread to go spend some of this money, do my part to help out the Large Cap Value tilters. :moneybag :moneybag :moneybag Isn't getting to the point where we don't ...
by metalworking
Sat Nov 28, 2020 9:19 pm
Forum: Personal Consumer Issues
Topic: Any bogleheadish black friday deals to look out for?
Replies: 89
Views: 14429

Re: Any bogleheadish black friday deals to look out for?

i did 5 separate transactions. my target account now shows multiple target $20 cards pending.
by metalworking
Sat Nov 28, 2020 8:23 pm
Forum: Personal Consumer Issues
Topic: Any bogleheadish black friday deals to look out for?
Replies: 89
Views: 14429

Re: Any bogleheadish black friday deals to look out for?

Did you get 5x $20 target gift cards? No. I got $100 gift card times 5 for a total of $500. But did you receive the bonus $20 Target cards? Five? Has anyone received multiple $20 target gift cards. I bought 5 apple gift cards and was expecting to get 5 target $20 gift cards but have only received 1...
by metalworking
Sat Nov 28, 2020 8:03 pm
Forum: Personal Consumer Issues
Topic: Any bogleheadish black friday deals to look out for?
Replies: 89
Views: 14429

Re: Any bogleheadish black friday deals to look out for?

I found that on macrumors, but the reviews weren't too good. https://www.target.com/p/apple-gift-card-app-store-itunes-iphone-ipad-airpods-and-accessories-email-delivery/-/A-80950057?preselect=80893569#lnk=sametab There are a good chunk of reviews saying the card didn't work and Target was of no he...
by metalworking
Sun May 31, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13509

Re: Face mask recommendations

Unfortunately you seem to have missed the point of my post. I am a physician and know what a fit test failure feels like but that doesn't mean it is better or equivalent to fail a fit test with a N95 mask vs a cloth mask (a cloth mask would always fail the fit test). The truth is that no one knows ...
by metalworking
Sun May 31, 2020 12:08 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13509

Re: Face mask recommendations

By the way I have some N95 masks with exhalation valves that i use for welding fumes. I wear the cloth masks my wife made for everywhere else so I am not creating excess demand for a medical advice. As a physician, can you please educate us as to why you believe that that street-level purchases of ...
by metalworking
Sun May 31, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13509

Re: Face mask recommendations

Unfortunately you seem to have missed the point of my post. I am a physician and know what a fit test failure feels like but that doesn't mean it is better or equivalent to fail a fit test with a N95 mask vs a cloth mask (a cloth mask would always fail the fit test). The truth is that no one knows ...
by metalworking
Sun May 31, 2020 11:16 am
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13509

Re: Face mask recommendations

An N95 that is not fit tested is not much better than a surgical mask and has the potential to be worse. Can you point me to any peer reviewed research paper which says that? My apologies for not providing such research as there is no COVID data on this. But, in the hospitals we are instructed to t...
by metalworking
Sun May 31, 2020 8:40 am
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13509

Re: Face mask recommendations

Medically, N95 is about 50x better than a homemade mask. Since legitimate N95 are almost impossible to obtain, a surgical mask would be your next best bet. An N95 that is not fit tested is not much better than a surgical mask and has the potential to be worse. Can you point me to any peer reviewed ...
by metalworking
Mon May 04, 2020 10:20 am
Forum: Investing - Theory, News & General
Topic: Primecap
Replies: 25
Views: 2197

Re: Primecap

Could be worse, you could be in primecap core like i am. Mine are all old investments that i have been trying to dump since i started realizing the long term capital gains the fund puts off many years are very high. Finally dumped some of my shares during the march plunge. With the market coming bac...
by metalworking
Sun Apr 19, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: Issues with face masks?
Replies: 92
Views: 6284

Re: Issues with face masks?

If the OP was wearing a surgical mask, her difficulty breathing would not have been caused by airflow and was probably due to anxiety. If she was wearing an N95, she may well have been uncomfortable breathing since they require some getting used to. There's a lot of misunderstandings out there. Fir...
by metalworking
Thu Apr 16, 2020 8:21 pm
Forum: Personal Consumer Issues
Topic: Advise what to do after receiving email from Hacker trying to extort money
Replies: 58
Views: 5185

Re: Advise what to do after receiving email from Hacker trying to extort money

I agree this probably isn't legit, but I wonder why people think poor grammar is an indication of an illegitimate threat? It seems to me that a hacker is just as likely to speak english as a second language (or not at all) and perhaps more likely since hacking people from a country you're not in wo...
by metalworking
Mon Apr 13, 2020 11:02 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 80846

Re: Bogleheads community discussion - Coronavirus

Tests like these would have value if the virus were known to be airborne rather than spread by droplet. Are you saying that this virus is spread by airborne mechanism? Go outside on a cold morning when the temp is below the dew point. Take a deep breath. Breathe it out. What do you see? Do you care...
by metalworking
Sat Mar 28, 2020 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 13470

Re: How are you going to use your stimulus money?

saving it for medical expenses as we have HDHP. At this rate we look very likely to need it.
by metalworking
Wed Mar 25, 2020 2:54 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 65767

Re: So bottom is probably behind us....right?

You are always one headline away from a massive rally or a massive sell off! I hope we have bottomed already but doubt it.
by metalworking
Sun Mar 22, 2020 5:19 pm
Forum: Investing - Theory, News & General
Topic: VMFXX Money Market- Safe? Insured? or go with FDIC insured?
Replies: 7
Views: 673

Re: VMFXX Money Market- Safe? Insured? or go with FDIC insured?

Doubt it will last long but Discover savings account is 1.5% and 12 month CD 1.75%. Not sure of the advantage of staying in VMFXX unless convenience is a factor
by metalworking
Sun Mar 22, 2020 1:10 pm
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 379
Views: 41465

Re: It's Not Different This Time

With respect, there is no way you can know at this point whether this time is different or not. I agree most of the time “this” time has not been different. There is always risk and a non-zero chance of loss. Perhaps a better title would be “most likely this time is not different.” If it is differe...
by metalworking
Thu Mar 19, 2020 7:25 am
Forum: Personal Finance (Not Investing)
Topic: High Interest Saving Accounts
Replies: 11
Views: 969

Re: High Interest Saving Accounts

Discover 1.5% for now
by metalworking
Wed Mar 18, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1800
Views: 152757

Re: Do you sanitize your groceries? COVID-19

it may last longer on surfaces in colder and more humid conditions per the things i am reading
by metalworking
Tue Mar 17, 2020 11:36 am
Forum: Personal Consumer Issues
Topic: If I get coronavirus, how can I protect the rest of my household?
Replies: 14
Views: 1049

Re: If I get coronavirus, how can I protect the rest of my household?

You answered your own question in your first sentence. By the time you develop symptoms, everyone in your house has already been exposed. Again this is probably correct that they already have it but I will be trying to reduce the viral load they are exposed to by still having them take precautions....
by metalworking
Tue Mar 17, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: If I get coronavirus, how can I protect the rest of my household?
Replies: 14
Views: 1049

Re: If I get coronavirus, how can I protect the rest of my household?

probably to late by then but I would consider hotel room or downstairs in the basement. If caring for someone and i have to enter the room I intend to mask, use my pull down clear shop visor (in case they cough on me) and have specific clothes i intend to wear into the room and leave in the room. I ...
by metalworking
Mon Mar 16, 2020 7:29 pm
Forum: Personal Investments
Topic: Anyone Rebalancing Today, 3/16/20?
Replies: 36
Views: 2228

Re: Anyone Rebalancing Today, 3/16/20?

Yeah, I just did an after hours rebalance. I suppose it won't happen until after hours tomorrow.... This is the hard part for me. If I rebalance in my 401k, and the order goes in after 3pm ET, it gets executed after the close of the following day. I just did rebalance on Friday (I hit my IPS rebala...
by metalworking
Mon Mar 16, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 58309

Re: How to get Toilet Paper ? seriously.

local construction porta potty :happy
by metalworking
Mon Mar 16, 2020 4:02 pm
Forum: Personal Consumer Issues
Topic: Thinking I should go car shopping amidst the panic
Replies: 106
Views: 11205

Re: Thinking I should go car shopping amidst the panic

TomatoTomahto wrote: Mon Mar 16, 2020 12:41 pm
What do you think?
I think I’ll have to check with my manager.
Bravo
by metalworking
Sun Mar 15, 2020 5:53 pm
Forum: Investing - Theory, News & General
Topic: vanguard prime money market [FDIC insured alternatives?]
Replies: 26
Views: 2083

Re: vanguard prime money market [FDIC insured alternatives?]

I have 130k in the same fund, so now I started to panic too. I found this site: https://investor.vanguard.com/investing/account-protection Which seems to me that there is SIPC protection, which is up to 500k, if I am reading this right. that's interesting if it means what i think it means. I didn't...
by metalworking
Fri Mar 13, 2020 3:31 pm
Forum: Personal Investments
Topic: I really hope...
Replies: 16
Views: 1240

Re: I really hope...

I cant win. I did my first tax loss harvest right before the market shot up. I have been trying to dump my last active fund for years and finally got a chance. I suspect I ended up with a "tax break even" more than a "tax loss". Isn't that a good thing? Bigger loss to claim, but...
by metalworking
Fri Mar 13, 2020 3:13 pm
Forum: Personal Investments
Topic: I really hope...
Replies: 16
Views: 1240

Re: I really hope...

I cant win. I did my first tax loss harvest right before the market shot up. I have been trying to dump my last active fund for years and finally got a chance. I suspect I ended up with a "tax break even" more than a "tax loss".
by metalworking
Wed Mar 11, 2020 12:28 pm
Forum: Investing - Theory, News & General
Topic: Any 50+ year olds buying?
Replies: 53
Views: 3964

Re: Any 50+ year olds buying?

I am getting to the point where i can sell some of my old active mutual funds that i haven't contributed to for years and not face significant taxable gains. I will move them into total stock market index fund. I must admit i am tempted to hold the funds in a money market account until S&P hits ...
by metalworking
Wed Mar 04, 2020 12:18 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 200900

Re: Coronavirus and the market

A significant portion of those 20% that do need some medical attention won’t die ... hence, the hysteria is ridiculous. 98/100 would live, 80/100 people would feel “fine”, and the 2 that died were either elderly or had other health ailments that would’ve made them just as susceptible to dying from ...
by metalworking
Wed Mar 04, 2020 11:42 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 200900

Re: Coronavirus and the market

I'm sure this will lead to a big bad scary number of "new cases" while the media completely disregards the fact 8/10 cases are so mild the people barely knew they had it in the first place ... dun dun dun ! This is exactly what makes it so dangerous. Some of those mild cases won't quarant...
by metalworking
Wed Mar 04, 2020 11:00 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 200900

Re: Coronavirus and the market

I'm a physician, but I just work in the basement on nights and weekends, so take this with a grain of salt. I approach this from the standpoint that I will contract the virus this year. 100%. No doubt. I truly wonder whether the harm from the hysteria is greater than the harm from the illness. Give...
by metalworking
Tue Mar 03, 2020 2:26 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 325462

Re: Coronavirus and the market

Yes, and I believe China finally allowed some CDC personnel into the country, as well. I hope they are able to release information freely... From March 3rd NY Times : WASHINGTON — The Trump administration said on Monday that nearly a million tests could be administered for the coronavirus in the Un...
by metalworking
Tue Mar 03, 2020 9:23 am
Forum: Investing - Theory, News & General
Topic: "Here We Go Again!"
Replies: 32
Views: 7275

Re: "Here We Go Again!"

Excellent article. Sending this to my daughter,
by metalworking
Mon Feb 24, 2020 1:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23287
Views: 3045158

Re: U.S. stocks in free fall

Maybe I should actually think about writing my first will. If the virus becomes pandemic, the first thing to worry about is to stay alive. The mortality rate has been 2%. I can't bring myself to say "only" 2%. And for flu it's in the ballpark of 5 per 100,000 so this is hundreds of times ...
by metalworking
Fri Feb 07, 2020 1:20 pm
Forum: Investing - Theory, News & General
Topic: What bonds are you buying?
Replies: 71
Views: 4825

Re: What bonds are you buying?

Does it make sense to use bonds in taxable account to pay off your mortgage since the yield is so much lower then mortgage interest ? Yes. What consideration should be given to bond returns? I find it hard not to be stressed about even relatively small differences in bond/fixed income returns. As t...
by metalworking
Fri Feb 07, 2020 12:08 pm
Forum: Investing - Theory, News & General
Topic: What bonds are you buying?
Replies: 71
Views: 4825

Re: What bonds are you buying?

Does it make sense to use bonds in taxable account to pay off your mortgage since the yield is so much lower then mortgage interest ? Yes. What consideration should be given to bond returns? I find it hard not to be stressed about even relatively small differences in bond/fixed income returns. As t...
by metalworking
Sat Feb 01, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Insufficient assets in an estate - What to do?
Replies: 25
Views: 3491

Insufficient assets in an estate - What to do?

[Moved into a new thread from: Recent passed parent had Vanguard TOD and will. What now? --admin LadyGeek]

As usual i am confused. If a TOD occurs what if the estate can't cover its liabilities. Wouldn't that money be able to be pulled back to the estate
by metalworking
Wed Jan 22, 2020 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: 403B transfer to IRA. Error?
Replies: 3
Views: 309

Re: 403B transfer to IRA. Error?

Calling Vanguard might not have helped. I called vanguard last year about rolling over my company 403b from fidelity. The rep told me to have fidelity cut the check to me and then mail it in. She also told me I could roll over my non governmental 457b. Luckily I knew both the things were wrong. Afte...