Search found 47 matches

by student5
Sat Oct 24, 2020 9:10 am
Forum: Personal Investments
Topic: Double MYGA?
Replies: 5
Views: 748

Re: Double MYGA?

Whilst discussing MYGAs, I looked at the Gainbridge website that sells B++ Guggenheim MYGAs only. The MYGA rate is about 0.4% superior to other annuity websites at 3 years. This is attractive to me, but the fAQs indicate that you need to give Gainbridge access to your bank account to pull funds for ...
by student5
Tue Jun 30, 2020 9:02 pm
Forum: Personal Consumer Issues
Topic: Elementary school in Fall - choose Virtual or In-person
Replies: 120
Views: 8825

Re: Elementary school in Fall - choose Virtual or In-person

We tried to get our kids to get used to wearing face masks for a few hours-they did not enjoy it at all. If they went back to school, the face mask part of Covid-19 precautions may be very spotty in the classroom.
by student5
Sun May 24, 2020 7:32 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19645

Re: Pandemic buys that have improved quality of life?

Pedometers for the whole family.
by student5
Tue Dec 31, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 271
Views: 10737

Re: Vanguard phasing out regular mutual fund shares?

Is it reasonable to add the yield and ER differences together (0.07% in favor of VXUS) in order to help decide whether a conversion from the mutual fund VTIAX to the ETF VXUS makes sense? No, the the ER difference is what causes the difference in yield (the 1 bp variation is, I assume, just due to ...
by student5
Tue Dec 31, 2019 3:16 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 271
Views: 10737

Re: Vanguard phasing out regular mutual fund shares?

Morningstar reports that Vanguard Total International Stock Index Fund (VTIAX) has a TTM yield of 2.88%. Its ETF equivalent has a TTM yield of 2.92%, a difference of 0.04% in favor of VXUS. In addition, many have commented on the lower ER of VXUS vs VTIAX, now 0.03% difference in favor of VXUS. Is i...
by student5
Sun Jul 07, 2019 8:43 pm
Forum: Investing - Theory, News & General
Topic: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE
Replies: 84
Views: 17071

Re: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE

For the Panel:

Taxpayers in the 24% Federal Tax bracket and above - should the bond allocation portion be 100% municipal bonds?
Any comments on municipal default risk for Vanguard Long Term Tax Exempt (VWLTX)?

Thanks
by student5
Sun Feb 24, 2019 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax for Business -- beware!
Replies: 3
Views: 514

Re: Turbotax for Business -- beware!

As an aside, please note that TurboTax Business does NOT currently offer 1099-OID forms!
by student5
Tue Feb 05, 2019 1:14 pm
Forum: Personal Investments
Topic: IRS website
Replies: 3
Views: 340

IRS website

Is anyone else having trouble logging on to the personal records section of the IRS website? I just get an endless "loading" loop.
by student5
Mon Jan 21, 2019 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tax preparation deposit fee
Replies: 2
Views: 420

Tax preparation deposit fee

We migrated to a new cpa to prepare our 1040 last year. It went fine. We paid on time after the return was done, etc. This year, he wants a deposit of 50% upfront as a tax preparation deposit. Is this reasonable?

Thanks everyone.
by student5
Mon Nov 12, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Fuel system cleaning for old SUV $269!!
Replies: 17
Views: 1395

Re: Fuel system cleaning for old SUV $269!!

You all are the bee's knees (i.e. excellent)! No problem with acceleration, will try the Chevron Techron concentrate at 1.86% of the Lexus dealer's fuel system cleanout price. Thanks.
by student5
Mon Nov 12, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Fuel system cleaning for old SUV $269!!
Replies: 17
Views: 1395

Fuel system cleaning for old SUV $269!!

Hi everyone, I have an old 2003 Lexus LX 470, in at the Lexus dealer for a 180k service. He is recommending a $269 fuel system cleaning to clear out combustion debris and improve mpg. It's basically a caustic acid that they put in with by-products coming out of the exhaust. This sounds fishy, but I ...
by student5
Thu Mar 22, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: Rising MMkt rate
Replies: 16
Views: 2819

Rising MMkt rate

Hi all,

I just discovered that CIT Bank's latest Money Market rate is 1.75%. FYI, thanks.
by student5
Wed Sep 27, 2017 11:47 am
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 9370

Re: VG using outsourcing to call me & I'm not happy

It sounds as though Vanguard has determined that the results of these votes will be rather important.
by student5
Wed Aug 23, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: Account balances over $250,000
Replies: 11
Views: 3473

Re: Account balances over $250,000

This FDIC calculator may be helpful for coverage estimates regarding bank accounts: https://www5.fdic.gov/edie/
by student5
Mon Jun 05, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: CIT Bank offering 1.15% savings account and up to $400 bonus
Replies: 9
Views: 2231

Re: CIT Bank offering 1.15% savings account and up to $400 bonus

For those of us with a pre-existing cit savings account at 1.05%, you have to go online to open a new cit savings account in order to upgrade to the 1.15%. It does not happen automatically.
by student5
Tue Apr 18, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Services
Replies: 227
Views: 30833

Re: Trust Services

We too have been looking at possible successor trustees for our revocable trust. Here are the printed costs for Vanguard: Assets under management First $5 million- Annual administration fee *0.25% -Annual advisory fee** 0.3% Annual total fee*** 0.55% Next $5 million to below $10 million Annual admin...
by student5
Mon Mar 20, 2017 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: My son wants to move to Hong Kong
Replies: 35
Views: 6218

Re: My son wants to move to Hong Kong

"The native Hong Kong folks have a short lash on mainlanders speaking Mandarin. Native Hong Kong folks will scream and cuss out the Chinese Mainlander, but you won't see them doing it on a white person" Shopkeepers perhaps, how about professionals, doctors lawyers, higher education folks? ...
by student5
Mon Mar 20, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: My son wants to move to Hong Kong
Replies: 35
Views: 6218

Re: My son wants to move to Hong Kong

"And this is my opinion part -- if you are an American NOT OF ASIAN HERITAGE -- you will be seen as a higher class by most people in Hong Kong (and Asia in general). You may have been just some dude smoking weed behind the 7-11 parking lot but go to Hong Kong and you're now just a notch below P...
by student5
Wed Feb 08, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: London & Prague recommendations
Replies: 15
Views: 1886

Re: London & Prague recommendations

When in London try a very British Square Pie. I've not been able to find anything as good here. The pastry and the meat quality make a huge difference. http://www.squarepie.com/ Enjoy!
by student5
Thu Jan 12, 2017 11:50 pm
Forum: Personal Investments
Topic: Vanguard balances and holding total is different from cost basis page total
Replies: 2
Views: 384

Re: Vanguard balances and holding total is different from cost basis page total

I agree with you RM. A big fund company like Vanguard needs to keep its number data pristine, down to the last cent and beyond.
by student5
Thu Jan 12, 2017 10:57 pm
Forum: Personal Investments
Topic: Vanguard balances and holding total is different from cost basis page total
Replies: 2
Views: 384

Vanguard balances and holding total is different from cost basis page total

Hi everyone, Has anyone had any issues with the market value on the "balances and holding page" to be completely different from the market value on the "cost basis page?" The difference was greater than 120%! (larger market value total displayed on the "cost basis page"...
by student5
Mon Dec 12, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Carbon Monoxide Alarm/Detector
Replies: 11
Views: 1944

Re: Recommendation for Carbon Monoxide Alarm/Detector

I like the coexperts one-apparently pilots carry them in the cockpits.
by student5
Sun Dec 04, 2016 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on dealing with Amazon customer service
Replies: 28
Views: 3711

Re: Advice on dealing with Amazon customer service

You can go to this list of executives and starting with Dave Clark write a letter or email to one person at a time on the executive chain and wait for a reply about a week or two. In your letter politely state only the facts of your order, the existence of a confirmation, the fact that the order was...
by student5
Sat Dec 03, 2016 4:57 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Getting Stingy?
Replies: 90
Views: 16004

Re: Amazon Prime Getting Stingy?

I've been a Prime member for several years. They are getting stingier with compensation for late delivery. You have to ask for it and it's often reduced to $5 instead of $10 as before. Telephone conversations with customer service have been very civilized however. Don't forget that you can write dir...
by student5
Sat Nov 05, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: New Dentist - Lots of Recommended Work
Replies: 55
Views: 9298

Re: New Dentist - Lots of Recommended Work

3) New dentist comes into the room and says well it looks like you need 12 fillings. This caught be by surprise as I have never had a cavity before. Thanks for educating me about some dentists. Next time the dentist says that I will need several fillings, I'm going to ask if all these early dental d...
by student5
Thu Sep 01, 2016 7:54 pm
Forum: Investing - Theory, News & General
Topic: Morningstar--No Signs of Complacency at Vanguard Nor has it sold its soul to reach the top.
Replies: 13
Views: 2273

Article by Morningstar about Vanguard

An informative description about Vanguard and its system processes by the Morningstar folks for your information.

http://news.morningstar.com/articlenet/ ... ?id=768030
by student5
Sat Jul 30, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: Old School alarm/table clock
Replies: 15
Views: 1873

Re: Old School alarm/table clock

How about this one on Amazon? MARATHON CL030053WH Analog Desk Alarm Clock With Auto-Night Light - Batteries Included
by student5
Thu Jul 21, 2016 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Premium increase for federal employee long term care insurance
Replies: 69
Views: 12513

Re: Premium increase for federal employee long term care insurance

Besides the escalating LTC premiums, I would prefer not to have someone jump up and down on my chest or even treat me for a severe pneumonia if I had a serious debilitating disease like full blown Alzheimer's.
by student5
Sat Jul 16, 2016 9:17 pm
Forum: Personal Consumer Issues
Topic: Need printer recommendations
Replies: 36
Views: 3313

Re: Need printer recommendations

I have an HP multifunction Laser Jet Pro 400-I'd buy HP again if I had to.
by student5
Mon Jun 27, 2016 5:08 pm
Forum: Personal Consumer Issues
Topic: Dashcam recommendations
Replies: 26
Views: 7237

Re: Dashcam recommendations

Is it true that all dashcams cannot have their mph logs erased, that is you can be caught speeding?
by student5
Fri Jun 24, 2016 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Blue Shield of California - HMO vs. PPO
Replies: 26
Views: 6109

Re: Blue Shield of California - HMO vs. PPO

PPO too- why be stuck with limited choice in an HMO?
by student5
Thu Jun 16, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony bank upgrade
Replies: 32
Views: 6775

Synchrony bank upgrade

Has anyone noticed the Synchrony bank website upgrade? It took place over the weekend and this week, was completely down for a couple of days, back up today. Telephone help was still available. Apart from these significant difficulties, I can't help wondering what would happen in a big internet melt...
by student5
Mon Apr 25, 2016 5:34 pm
Forum: Personal Consumer Issues
Topic: Holes in the heels of black dress socks
Replies: 30
Views: 4249

Holes in the heels of black dress socks

Does anyone have experience of black dress socks wearing out very quickly nowadays -holes in the heel area and near the toes? I've bought Gold Toe, Adidas, Puma, Dockers, Costco premium socks, and they all wear out pretty quickly-2-3 months or sooner. They never used to do that 5 years ago, or is it...
by student5
Sat Apr 09, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey
Replies: 41
Views: 5422

Re: Honda Odyssey

My 2013 Odyssey had a problem with mold in the evaporator coil --too much driving on freeways with the air con. on recirculate. The service guys suggested switching off the air con. and the recirculate feature at least 5 minutes before reaching home and turning the fan on full to dry the system. It ...
by student5
Sat Mar 26, 2016 2:37 pm
Forum: Personal Investments
Topic: Vanguard Long-Term Tax-Exempt Fund instead of a CD
Replies: 7
Views: 1553

Re: Vanguard Long-Term Tax-Exempt Fund instead of a CD

Yes Grabiner, my thinking too! Thanks!
by student5
Fri Mar 25, 2016 1:49 pm
Forum: Personal Investments
Topic: Vanguard Long-Term Tax-Exempt Fund instead of a CD
Replies: 7
Views: 1553

Re: Vanguard Long-Term Tax-Exempt Fund instead of a CD

Thanks everyone. Currently that 200k in the CD is spare cash and is a cushion-not earmarked for any project pro tem.
by student5
Fri Mar 25, 2016 12:22 pm
Forum: Personal Investments
Topic: Vanguard Long-Term Tax-Exempt Fund instead of a CD
Replies: 7
Views: 1553

Vanguard Long-Term Tax-Exempt Fund instead of a CD

Hi everyone, I need some advice. I have a $200,000 primary mortgage at 2.8% fixed for 15 years (another 12 years to go). I have $200,000 that is currently surplus sitting in a 1 year CD that is earning 1.25%. Is it a no-brainer to move that CD into the Vanguard LT Tax-Exempt Fund, Admiral shares (VW...
by student5
Mon Mar 07, 2016 12:15 am
Forum: Personal Consumer Issues
Topic: Monitor baby's SSN?/Protecting her identity
Replies: 8
Views: 1447

Re: Monitor baby's SSN?/Protecting her identity

Will ALL the major credit agencies freeze my baby's account if my info. was stolen as part of the OPM breach?
by student5
Sun Feb 21, 2016 10:40 pm
Forum: Personal Investments
Topic: Vanguard estimating a pre-tax 8.1% pa return-overoptimistic???
Replies: 20
Views: 2408

Re: Vanguard estimating a pre-tax 8.1% pa return-overoptimistic???

You might want to play with the backtest date range and see if Vanguard is simply reporting past performance in some favorable time period. Surely 8% is past data and not a prediction? You can see here that Vanguard shows a 50/50 stock/bond portfolio as having returned 8.3% for the period 1926-2015...
by student5
Sun Feb 21, 2016 3:44 pm
Forum: Personal Investments
Topic: Vanguard estimating a pre-tax 8.1% pa return-overoptimistic???
Replies: 20
Views: 2408

Re: Vanguard estimating a pre-tax 8.1% pa return-overoptimistic???

Over what time frame?

Time frame 30+ years, but I get it that 8.1% is too optimistic. I will temper my expectations. Thanks all!
by student5
Sun Feb 21, 2016 10:55 am
Forum: Personal Investments
Topic: Vanguard estimating a pre-tax 8.1% pa return-overoptimistic???
Replies: 20
Views: 2408

Vanguard estimating a pre-tax 8.1% pa return-overoptimistic???

Hi everyone, I need some help with this estimated average 8.1 % annual return estimate given by Vanguard. This is pre-tax, and includes all returns-capital gains, interest and dividends. The suggested 50/50 stock/bond portfolio is: Total Stock Market index - 29% Total International Stock Market -21%...
by student5
Tue Feb 16, 2016 1:26 pm
Forum: Personal Investments
Topic: Wells Fargo Market Linked Security
Replies: 5
Views: 902

Re: Wells Fargo Market Linked Security

Thanks for sage advice everyone. The value is simply based on the SPDR S&P 500. A lot to re-evaluate.
by student5
Mon Feb 15, 2016 12:06 pm
Forum: Personal Investments
Topic: Wells Fargo Market Linked Security
Replies: 5
Views: 902

Re: Wells Fargo Market Linked Security

Anyone able to help?
by student5
Sun Feb 14, 2016 9:20 pm
Forum: Personal Investments
Topic: Wells Fargo Market Linked Security
Replies: 5
Views: 902

Wells Fargo Market Linked Security

Hi everyone, Does anyone have any insight into the Wells Fargo Market Linked Security linked to the SPDR S&P 500. CUSIP 94986RVB4. It has a150% upside participation with a maximum total return at maturity (7/31/2018) of 138%. No interest is paid. If the value of the fund decreases by < 10%, the ...
by student5
Sat Jan 16, 2016 10:31 am
Forum: Investing - Theory, News & General
Topic: Index bubble?
Replies: 13
Views: 2281

Index bubble?

Hi All, I'm new to Bogleheads, but have been reading many posts and learning from them. It's been greatly helpful and encouraging to me. I have moved my portfolio from a financial adviser to Vanguard based on what I've learnt from the many missives on this forum. My current question is based on this...