Search found 103 matches

by Nthomas
Tue Aug 14, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 23
Views: 2025

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

IMO Schwab bank and solo/individual 401k are both excellent.
by Nthomas
Sun Aug 12, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 4654

Re: How often do you check your brokerage accounts

I get the Personal Capital daily update email which shows me the latest transactions (bank and brokerage). I identified fraud once based on this and was able to prevent further fraudulent transactions that would have likely occurred before end of month when I paid the CC bill. I find it keeps me fro...
by Nthomas
Sat Aug 11, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: VPAS and backdoor Roth IRA
Replies: 3
Views: 324

VPAS and backdoor Roth IRA

Will vanguard personal advisor services perform a backdoor Roth IRA transaction for you or do you need to do this manually?
by Nthomas
Fri Jul 20, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Warning: Gaping Schwab security hole!
Replies: 1
Views: 3843

Warning: Gaping Schwab security hole!

[Posts removed for privacy concerns, see below. --admin LadyGeek]

Agree that is a big oversight. FWIW, I have the voice ID set up but I also have a phone password set up with Schwab. So even when I pass the voice verification, they still ask for my verbal password. One more layer of security.
by Nthomas
Fri Jul 20, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17041

Re: Salary vs. Lifestyle

I don't see how that is pertinent and am not sure of your point. Until you have two similar offers, you can't say it's easy to choose because you would be happy with half of the lower salary or it's < 1/4 of the median household salary. Im saying that in the grand scheme of life you cant loose with...
by Nthomas
Fri Jul 20, 2018 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17041

Re: Salary vs. Lifestyle

As a VA physician who has turned down other higher paying offers in the past, I think getting a better idea of non-salary factors with each job would help: How is your service chief (your boss)? Do you respect this person and do you believe they have your back? Are they in the trenches with you in ...
by Nthomas
Thu Jul 19, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17041

Re: Salary vs. Lifestyle

I've made the opposite choice, but only after reaching financial independence. I'm now working 40% less for 40% lower pay than I did as a full-timer. No regrets. :beer -PoF PoF (and anyone else with an opinion) - if you were starting over would you do it the same way with working hard until FI and ...
by Nthomas
Wed Jul 18, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17041

Re: Salary vs. Lifestyle

I've made the opposite choice, but only after reaching financial independence. I'm now working 40% less for 40% lower pay than I did as a full-timer. No regrets. :beer -PoF PoF (and anyone else with an opinion) - if you were starting over would you do it the same way with working hard until FI and ...
by Nthomas
Mon Jul 09, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: Is it contradictory to be a Boglehead and have substantial allocation towards SCV?
Replies: 30
Views: 2347

Re: Is it contradictory to be a Boglehead and have substantial allocation towards SCV?

1) I don't use tilts or factors personally. 2) The the Bogleheads investment philosophy isn't sacred, but it's pretty good. So, let's look at the ten points with regard to a small-cap value tilt. 1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify...
by Nthomas
Sun Jul 08, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Schwab
Replies: 18
Views: 2072

Re: Fidelity vs Schwab

Customer service: I think Schwab has the edge but fidelity isn't far off. Schwab has some nice things like 24/7 chat but fidelity closes its chat each night. Mutual funds: Fidelity ETFs: Either Bonds: Fidelity Solo 401k: Fidelity Checking account: Both are good Credit card: Fidelity retirement/educ...
by Nthomas
Sun Jul 08, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Schwab
Replies: 18
Views: 2072

Re: Fidelity vs Schwab

Customer service: I think Schwab has the edge but fidelity isn't far off. Schwab has some nice things like 24/7 chat but fidelity closes its chat each night. Mutual funds: Fidelity ETFs: Either Bonds: Fidelity Solo 401k: Fidelity Checking account: Both are good Credit card: Fidelity retirement/educ...
by Nthomas
Fri Jul 06, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: View Vanguard account within Schwab (connected accounts)
Replies: 17
Views: 1364

Re: View Vanguard account within Schwab (connected accounts)

Hi folks, I've been silent for a while, but reading! Moving forward with setting up investing accounts, and am wondering if there is a way to view my Vanguard account within Schwab - the connected accounts section. It seems that I can connect my other bank accounts within Schwab to view my overall ...
by Nthomas
Fri Jul 06, 2018 6:31 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14857

Re: How to "retire" in your 30's article

What one needs is quality family time not quantity. Parent permanently sitting at home when both he and child is young Not picking on you specifically, but would be the responses be similar if the parent were a "she" instead of a "he"? :wink: My wife let her CPA license lapse to stay at home with t...
by Nthomas
Tue Jul 03, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Need Your Feedback on 100% VTSAX
Replies: 39
Views: 3776

Re: Need Your Feedback on 100% VTSAX

With US markets at near all time highs valuation wise, I do not think this is wise. According to most models I have seen expected real returns for US stock market is between 0-2% per annum whereas EM returns are expected to be in the 5-6% range. Why not equal weight across US, International Develop...
by Nthomas
Tue Jul 03, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: What happens if your Vanguard account has been hacked.
Replies: 21
Views: 2888

Re: What happens if your Vanguard account has been hacked.

Here's Vanguard's policy statement. https://personal.vanguard.com/us/help/SecurityOnlineFraudPledgeContent.jsp I'd note that among many other items it requires "Never store your user name, password, or answers to security questions in your browser." This wording makes me very nervous. I know it's e...
by Nthomas
Tue Jul 03, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 200
Views: 18053

Re: Vanguard to offer non-Vanguard ETFs commission-free

Hmm... I wonder if the list of non-Vanguard ETFs will include the popular iShares ETFs that people now buy through Fidelity. If so, I can see Fidelity losing a lot more business to Vanguard. Unless Fidelity will allow Vanguard ETFs to be traded free or charge . . . That would be interesting! Althou...
by Nthomas
Tue Jul 03, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: What happens if your Vanguard account has been hacked.
Replies: 21
Views: 2888

Re: What happens if your Vanguard account has been hacked.

Here's Vanguard's policy statement. https://personal.vanguard.com/us/help/SecurityOnlineFraudPledgeContent.jsp I'd note that among many other items it requires "Never store your user name, password, or answers to security questions in your browser." This wording makes me very nervous. I know it's e...
by Nthomas
Mon Jul 02, 2018 6:38 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 81
Views: 6761

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

My n = 1... We found a great condo in Destin, FL on Airbnb. A condo in the same tower with the same features (sq ft, bedrooms, bathrooms, balcony with view) was found on the property website for 30% less. The only way you'll rent out your condo in this case is if someone is too lazy to do a little r...
by Nthomas
Fri Jun 22, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: Small-cap exposure in VBR, ie CRSP small-cap value index fund
Replies: 48
Views: 2915

Re: Small-cap exposure in VBR, ie CRSP small-cap value index fund

https://investor.vanguard.com/etf/profile/VIOV

Does anyone get nervous that on Vanguard's own page for VIOV, it recommends you "consider" VBR instead? Do you think there is a chance they will shut down the fund? It' s like they are encouraging you not to invest in VIOV. I just found that strange.
by Nthomas
Wed Jun 20, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Value of a Military Retirement
Replies: 30
Views: 3578

Re: Value of a Military Retirement

depending on if and when I get promoted to O-6. O-6 is insanely hard to achieve in certain branches/areas/career fields. If you make that in 20 years, that will be fairly impressive. I believe doctors start at O3 or O4 so it's not as difficult. Physicians have a 100% promotion rate at 12 years to O...
by Nthomas
Tue Jun 19, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8606

Re: gray hair

I’ve been told some young people are dying their hair grey. So I guess our time has come. I’ve been asked by barbers if I dye it this color...I was very confused until I found out it’s a trend now.
by Nthomas
Tue Jun 19, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Charles Schwab account
Replies: 26
Views: 3118

Re: Vanguard or Charles Schwab account

FWIW...I just transferred/rolled over my Schwab traditional IRA into my Schwab i401k last week to allow for backdoor Roth IRA contributions. There was a tiny dividend remaining in the tIRA after the transfer and I just called tonight to inquire. I found out it would have automatically transferred at...
by Nthomas
Sun Jun 17, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1284

Re: Vanguard admiral shares

In 2015, when I was mostly Admiral class MFs, the difference for all of our Admiral class holdings amounted to $2k-2.5k/yr. While this difference was not overwhelming, I consider this a bit more than "a joke". Since then we've converted almost all of my MFs to ETFs. I think your calculations are su...
by Nthomas
Sun Jun 10, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401k - fidelity vs. vanguard
Replies: 20
Views: 1474

Re: Solo 401k - fidelity vs. vanguard

I think Schwab has the most flexible i401k, followed closely by Fidelity, with Vanguard a distant third. Does schwab allow e-transfers into your i401K? If so, I'm switching tomorrow. You can electronically transfer the money into your Schwab taxable brokerage account and then call Schwab small busi...
by Nthomas
Thu May 31, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 137
Views: 15575

Re: Paul Merriman and Small Cap Value

Agree that SLYV is much less tax efficient than IJS. I use SLYV in my IRA at Schwab (commission free and taxes are moot) and IJS and VBR in taxable. Note, VBR has more mid caps where as the other two follow the S&P 600 and considered more "pure" SCV.
by Nthomas
Thu May 31, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 137
Views: 15575

Re: Paul Merriman and Small Cap Value

duplicate disregard
by Nthomas
Sun May 06, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Taxable Account Advice
Replies: 10
Views: 938

Re: Schwab Taxable Account Advice

SCHB is the ETF-form of SWSTX and SCHF the same for SWISX. So, the only rationale for trading in ETF vs. mutual funds is if you want intra-day pricing ability vs. end of day. You will generally have the same cap gains/dividends. Being passive they are more tax efficient than actively managed. Remem...
by Nthomas
Sun May 06, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 6461

Re: Comparing 2 physician jobs

I will be in a similar situation in a few years after my obligation to Uncle Sam. My only input is at least you are < 40. I will be in my mid 40’s and so the potential of a failed partnership track and having to start over is daunting. Moving stinks but at least you wouldn’t be too old to start over...
by Nthomas
Sun May 06, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Investor ->Admiral and automatic investments
Replies: 2
Views: 430

Vanguard Investor ->Admiral and automatic investments

If monthly automatic investments are set up for investor class shares, once the amount is > 10k and the exchange to admiral class shares happens, does the auto investment automatically update to admiral? I would ask Vanguard but they are closed for the weekend and I'd like to get this set up today. ...
by Nthomas
Fri May 04, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18844

Re: Ed. Jones rep didn't like our plan, now we're locked out

1) First get the investments transferred to Schwab, complain to the appropriate authorities later. Escaping Edward Jones is the top priority in my opinion. 2) Contact Schwab and let them do most of the work in accomplishing the transfer. 3) Since the new accounts will be at Schwab use Schwab index ...
by Nthomas
Fri Apr 20, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 5447

Re: Factor in evaluating Physicians

We had a monthly meeting in fellowship where we presented interesting cases with other fellows in the area that was sponsored by big pharma who provided food and we were told to sign in even if we did not partake in the food. I now see that those meals resulted in me being listed. Not a huge deal as...
by Nthomas
Thu Apr 12, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: VA Physician TSP matching and FERS
Replies: 7
Views: 748

Re: VA Physician TSP matching and FERS

$385 is the actual salary. Not an estimate of benefits.
by Nthomas
Tue Apr 10, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: VA Physician TSP matching and FERS
Replies: 7
Views: 748

Re: VA Physician TSP matching and FERS

That’s exactly why I was asking. No one there in an official capacity I’ve spoken with yet seems to know the answer. They do break down the salary though I know that for sure at least with this offer.
by Nthomas
Tue Apr 10, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: VA Physician TSP matching and FERS
Replies: 7
Views: 748

VA Physician TSP matching and FERS

An advertised VA/Fed Govt salary consists of a base physician salary and the physician comparability allowance/special pays. The base pay is around 160 and the total pay is considerably more at 385k. Is the FERS pension high three and TSP match based on the TOTAL salary w/comparability allowance/spe...
by Nthomas
Fri Mar 30, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard in the WSJ today
Replies: 57
Views: 8266

Re: Vanguard in the WSJ today

I have been with Vanguard for the last 1.5 years and also have Schwab. So far I have been impressed with Vanguard and counted myself lucky that I have not had issues like others. However, I noticed today that although I did not receive a notice of insufficient funds, likely due to not placing any tr...
by Nthomas
Sat Mar 17, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity i401k vs ETrade/TDAmeritrade Roth i401k
Replies: 7
Views: 747

Re: Fidelity i401k vs ETrade/TDAmeritrade Roth i401k

I do like the one-step investing with VG i401K. Not sure about Fido or TDA but with Schwab, for instance, I have to transfer to my brokerage account (~1 day), wait for the holding period (3 days), call in to transfer to the i401K, and then log on to finally invest. You can't transfer directly into t...
by Nthomas
Sat Jan 13, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 49
Views: 4782

Re: Vanguard Personal Advisory Services Fees

Agree with the idea of taking dividends as cash. Also, doesn't VG provide trust service that doesn't require VPAS? Perhaps that's an option ("trust for surviving spouse") Trust service would cost more than VPAS. I didn't realize the trust required advisor services as well. https://personal.vanguard...
by Nthomas
Sat Jan 13, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 49
Views: 4782

Re: Vanguard Personal Advisory Services Fees

dbr wrote:
Sat Jan 13, 2018 10:31 am
Nthomas wrote:
Sat Jan 13, 2018 10:28 am
Agree with the idea of taking dividends as cash. Also, doesn't VG provide trust service that doesn't require VPAS? Perhaps that's an option ("trust for surviving spouse")
Trust service would cost more than VPAS.
Good to know, thanks.
by Nthomas
Sat Jan 13, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 49
Views: 4782

Re: Vanguard Personal Advisory Services Fees

Agree with the idea of taking dividends as cash. Also, doesn't VG provide trust service that doesn't require VPAS? Perhaps that's an option ("trust for surviving spouse")
by Nthomas
Mon Jan 01, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help my 7 year old daughter invest $50 of her Christmas money
Replies: 30
Views: 2688

Re: Help my 7 year old daughter invest $50 of her Christmas money

I would go with a Schwab mutual fund (e.g. SWTSX, SWPPX). No minimum and you don't have to worry about buying whole shares like an ETF. No $ left uninvested.
by Nthomas
Fri Dec 29, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 72
Views: 8818

Re: Using Vanguard’s advisors

I'm really shocked about them only using average cost... unless it's for VG funds that are so old that that is all they have available. They were both covered and non-covered shares. By using average cost they don't have to worry about the nitty gritty detail about which shares to sell in a taxable...
by Nthomas
Fri Dec 29, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Opening 2 Solo 401k accounts?
Replies: 7
Views: 761

Re: Opening 2 Solo 401k accounts?

You don't have the luxury of worrying about paying account fees. Get #2 open ASAP and then close one later once you get the fees figured out. Yeah you are right. Is it wise opening 2+ Solo 401k accounts (or other retirement accounts) anyways and fund multiple to directly compare? My understanding i...
by Nthomas
Fri Dec 29, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 72
Views: 8818

Re: Using Vanguard’s advisors

It makes one wonder what is the point then of using them. Clearly, you found there was no point. According to their marketing it seems the benefits are: 1. low cost funds (most of us already use low cost VG funds or equivalent) 2. tax efficient asset placement (not rocket science) 3. tax efficient ...
by Nthomas
Fri Dec 29, 2017 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Adding another Schwab Account to Personal View
Replies: 1
Views: 292

Re: Adding another Schwab Account to Personal View

Both my wife and I have separate schwab accounts. I would like to see both of those accounts aggregated in the personal view (the view after you log in). You are given an option to add an external account (such as a vanguard account) but I can't figure out how to add another schwab account to the v...
by Nthomas
Mon Dec 25, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: $5000 donor advised fund - fees seem awfully high
Replies: 21
Views: 2705

Re: $5000 donor advised fund - fees seem awfully high

At the bottom of that link it says $1 million in eligible Fido accounts. I have between $250k and $1 million at Fido and have not been offered private client (also have not asked for it), $250k seems like a pretty low threshold. I guess then I don't understand the "250k" with fido. does that mean 2...
by Nthomas
Mon Dec 25, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: $5000 donor advised fund - fees seem awfully high
Replies: 21
Views: 2705

Re: $5000 donor advised fund - fees seem awfully high

OP, I opened a DAF with Fidelity last year. On my one year anniversary, Fidelity sent me a message informing me that as a private client (I manage my own investments so they are not making money off me as a PAS client or anything like that), they were going to waive the DAF annual fee. A pleasant s...
by Nthomas
Fri Dec 22, 2017 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Opening 2 Solo 401k accounts?
Replies: 7
Views: 761

Re: Opening 2 Solo 401k accounts?

I am just now submitting an application at Etrade for Solo 401k but they require you to fax/mail in the application and they said they are not sure if they would be able to open an account for me by Dec 31st due to the high volume of applications. Should I submit applications to other brokerages ju...
by Nthomas
Sat Dec 09, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Espresso Machine suggestions?
Replies: 41
Views: 3606

Re: Espresso Machine suggestions?

Mr. Coffee Automatic Dual Shot Espresso/Cappuccino System https://www.amazon.com/dp/B001EU9UTM/ref=cm_sw_r_cp_api_04glAbETACDYF We’ve had this espresso machine for four years and it is still going strong. Its about $80. It’s a pump machine (not cheaper steam machines ) that makes espresso as good as...
by Nthomas
Sat Nov 18, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor Services/Portfolio Review
Replies: 45
Views: 4884

Re: Vanguard Personal Advisor Services/Portfolio Review

VFSUX has a $50k minimum. 6% of $500k is $30k. I have repeatedly run into Vanguard suggesting this fund for less than $50k. I don't get it. Same for VFIDX. Don't they wave the minimums for PAS? That is, you still get admiral class shares even if you have < 10k (or 50K) in the fund as long as it is ...