Search found 4966 matches

by Nate79
Tue Oct 22, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: BCBS wont pay lab bill...
Replies: 37
Views: 2986

Re: BCBS wont pay lab bill...

I recommend contacting the lab directly and saying insurance refuses to cover it and asking them to lower the bill. Many of these companies know that patients complaining to the doctors about unexpected bills will turn off their flow of very profitable tests. They will often eat the cost to avoid t...
by Nate79
Tue Oct 22, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 51
Views: 1210

Re: Ok to go without health insurance?

NO it is not ok. Are you ok if your entire net worth gets drained due to a major illness? Medical is the number one reason for bankruptcy. I assume you must have a decent income and can easily afford the premiums. Penny wise and pounds (or even tons!) foolish.
by Nate79
Tue Oct 22, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Child Insurance Policies - Maintain or ?
Replies: 14
Views: 567

Re: Child Insurance Policies - Maintain or ?

Even if the dividend will keep the policy in place, what is the point? Why does a child need life insurance? For a child, the money is more valuable than the insurance. What kind of sales pitch does it take to sell life insurance for an infant? What can the story possibly be??? Maybe the pitch work...
by Nate79
Tue Oct 22, 2019 6:39 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA for Independent Undergrad
Replies: 5
Views: 391

Re: FAFSA for Independent Undergrad

If he has no income who is providing his support?
by Nate79
Tue Oct 22, 2019 6:14 am
Forum: Investing - Theory, News & General
Topic: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of
Replies: 13
Views: 2133

Re: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of

It's amazing that people still post this junk on Bogleheads.
by Nate79
Tue Oct 22, 2019 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Help on Whole Life Policy
Replies: 17
Views: 1077

Re: Help on Whole Life Policy

I demand a refund :D Any insurance company recommendations? I did a health assessment with the previous one. I'd rather not do that again but I'm not sure if term policies have certain amounts that companies start requiring blood work for issuing the policy. And I know there could be several answer...
by Nate79
Tue Oct 22, 2019 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Child Insurance Policies - Maintain or ?
Replies: 14
Views: 567

Re: Child Insurance Policies - Maintain or ?

thx1138 wrote:
Tue Oct 22, 2019 5:38 am
These things are in general horrible. Take the cash value, put it in a 529 and call it a day.
+1
by Nate79
Mon Oct 21, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can HSA be funded from IRA or 401(k)?
Replies: 7
Views: 417

Re: Can HSA be funded from IRA or 401(k)?

You can only do it once and only up to the annual contribution amount. It is such a minor detail that it isn't worth the time.
by Nate79
Mon Oct 21, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Help on Whole Life Policy
Replies: 17
Views: 1077

Re: Help on Whole Life Policy

I repeat this in every Whole life thread that these products are nearly scams and horrible products to hold, no matter at the beginning or end. Clearly you do not even understand the product you are holding which is one of the major reasons people should not flush their money down the Whole life toi...
by Nate79
Mon Oct 21, 2019 1:10 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge Unlimited $0 Trades
Replies: 13
Views: 1186

Re: Merrill Edge Unlimited $0 Trades

I just saw that my Merrill Edge account was "upgraded" to unlimited $0 trades. Anyone noticed that too? indxfundfan: I have not made a trade in the past 10 years (probably 20 years). Just because something is free does not mean it is worthwhile. Best wishes. Taylor Jack Bogle's Words of wisdom: "Do...
by Nate79
Sun Oct 20, 2019 1:47 pm
Forum: Personal Investments
Topic: Recommend specific bond to buy instead of paying student loan
Replies: 16
Views: 1078

Re: Recommend specific bond to buy instead of paying student loan

Pay off the debt. You can always leverage up with margin loans but that is risk. You can invest in potentially higher returning assets but that has risk. Nothing can beat the risk free return of paying off the debt.
by Nate79
Sat Oct 19, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Term life with State Farm and doctor?
Replies: 7
Views: 567

Re: Term life with State Farm and doctor?

Shop thru a site like term4sale or zander. Stay away from Snake Farm unless their offer is competitive with the lowest price thru the independants.
by Nate79
Sat Oct 19, 2019 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Homebuyer wants me to do a 1031 exchange. Um, what?
Replies: 79
Views: 7585

Re: Homebuyer wants me to do a 1031 exchange. Um, what?

Leave it to Bogleheads to make a mountain out of a mole hill.
by Nate79
Sat Oct 19, 2019 3:30 pm
Forum: Personal Investments
Topic: Leveraging Investment with Pledged Asset Loan
Replies: 35
Views: 1542

Re: Leveraging Investment with Pledged Asset Loan

Can you withstand a Great Depression event? -85% from top to bottom and sustained recovery took >10 years.
by Nate79
Sat Oct 19, 2019 6:19 am
Forum: Personal Investments
Topic: Got tricked into a VUL, $40K already in - Need advice with my options
Replies: 22
Views: 2948

Re: Got tricked into a VUL, $40K already in - Need advice with my options

Cancel this scammy product and take the lesson learned. No need to flush more money down this toilet.
by Nate79
Fri Oct 18, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: I bought a STOLEN vehicle!!!
Replies: 100
Views: 12885

Re: I bought a STOLEN vehicle!!!

You don't even know if the sellers were even aware they were selling a stolen car.
by Nate79
Thu Oct 17, 2019 10:36 pm
Forum: Investing - Theory, News & General
Topic: Schwab to allow fractional stock trading (WSJ)
Replies: 25
Views: 2437

Re: Schwab to allow fractional stock trading (WSJ)

This is great news. Schwab continues to be an industry leader in cost, customer service, and offerings to their customers.
by Nate79
Thu Oct 17, 2019 5:46 pm
Forum: Personal Investments
Topic: Mutual Fund VBS -> Schwab
Replies: 11
Views: 588

Re: Mutual Fund VBS -> Schwab

Why not convert them to ETFs at Vanguard then transfer them?
by Nate79
Wed Oct 16, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 7621

Re: Alternatives to Subaru Outback?

I do not recommend Hyundai. They are well known for poor dealership and not honoring their supposed long warranties. Buyer beware. I've known multiple cases of friends with Hyundai's having to force buybacks and warranties not being honored.
by Nate79
Wed Oct 16, 2019 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to save HSA receipts?
Replies: 14
Views: 1370

Re: How to save HSA receipts?

I keep an excel file list of all the expenses with date, provider, amount, and who it was for. I keep a pdf scan of all bill's. All of this is kept in the cloud on Google drive and locally on my computer. I also keep the first HSA statement which is proof of first date we opened the HSA account.
by Nate79
Wed Oct 16, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 77
Views: 3972

Re: car battery change or not? 2 year old battery

Keep a jump start pack in your car. Put a trickle charger on the battery every month or so to keep it topped off, especially if you do short trips. It probably has a few more years of life in it. No need to change it early.
by Nate79
Wed Oct 16, 2019 6:13 am
Forum: Investing - Theory, News & General
Topic: Indexing beats Wellington and Wellesley right?
Replies: 118
Views: 23025

Re: Indexing beats Wellington and Wellesley right?

It is a fallacy to make a blanket statement that Bogleheads are against active funds. Costs matter and these are low cost funds. Vanguard is a big proponent of active funds and continues to promote, push, and build new active funds.
by Nate79
Wed Oct 16, 2019 6:10 am
Forum: Investing - Theory, News & General
Topic: Edward Jones presentation at the senior center
Replies: 44
Views: 6281

Re: Edward Jones presentation at the senior center

I don't see what they did wrong. Clearly BH don't like Edward Jones but the reality is for a senior in that situation there is not a lot of better options easily available.
by Nate79
Tue Oct 15, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 68
Views: 8416

Re: Solar Installation - 0.75 Year Later

shans2000 wrote:
Tue Oct 15, 2019 5:22 pm
My solar panels were installed 5 yrs ago, and they are generating 30-50% of the originally quoted power. Does anyone know if this is common and what can be done to improve this?
Warranty?
by Nate79
Tue Oct 15, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for roof, solar, electric panel
Replies: 15
Views: 1684

Re: How to pay for roof, solar, electric panel

Don't you have any actual money to pay for any of this?
by Nate79
Tue Oct 15, 2019 1:36 pm
Forum: Investing - Theory, News & General
Topic: $2,467 is a minimum emergency fund
Replies: 35
Views: 6629

Re: $2,467 is a minimum emergency fund

Even though this savings level is less than what typical financial advisors target for people 3-6 months of expenses vs 1 month of income this study was all about very low income households which struggle today to even have savings of $400. It was not about home owners, it was not about average inco...
by Nate79
Tue Oct 15, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Home appraisal 8% less sq ft than listing
Replies: 42
Views: 2406

Re: Home appraisal square ft less than Seller Listing

Do you want to back out of the deal because of this? Hopefully your agent is guiding you on the absurdity of looking at an exact $/sqft to determine the offer amount. If I was the seller and a buyer came with this absurdity to try to get a consesions on price I would say pound sand and let the buyer...
by Nate79
Tue Oct 15, 2019 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Home appraisal 8% less sq ft than listing
Replies: 42
Views: 2406

Re: Home appraisal square ft less than Seller Listing

As mentioned likely the reason has to do with finished sq ft of basement. But in the end how much are you willing to pay is the value of the house. An appraisal is for the bank before they loan you money. It doesnt know all the details like certain repairs that you know it needs. You should have tak...
by Nate79
Mon Oct 14, 2019 11:40 am
Forum: Investing - Theory, News & General
Topic: REITs or investment property?
Replies: 70
Views: 4661

Re: REITs or investment property?

One aspect many REIT index fund investors forget is the REIT index fund is a fund of funds. What is cheap is your top level fund expenses your underlying fund expenses can be very high. The last time I checked the look through expense ratio for the Vanguard REIT was on the order of 5%, 4.7% on the ...
by Nate79
Mon Oct 14, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Roof not installed properly
Replies: 21
Views: 2155

Re: Roof not installed properly

I have two things that really need to be done. 1. Shingles likely need to be replaced. 2. Drip edge needs to be installed. I am considering doing them separately. I wonder if I can get a roofer (either the one I had inspect this weekend or another) to come out an install the drip edges. Just slide ...
by Nate79
Mon Oct 14, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)
Replies: 38
Views: 3669

Re: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)

NFL game pass works really well and its $99 plus taxes (as long as you can wait till the game is over to watch it with no commercials). When it comes to sports, I'm not much of a watch after it is over type of person. I find it hard to avoid finding out who won and at that point, I have lost all in...
by Nate79
Mon Oct 14, 2019 10:18 am
Forum: Investing - Theory, News & General
Topic: Schwab Fixed Monthly Fee CFP Advice
Replies: 24
Views: 2249

Re: Schwab Fixed Monthly Fee CFP Advice

Schwab offsets cash with higher yielding, higher risk bonds to result in a no cost robo service with add on cost for advisors that results in a better fixed income return than Vanguard. They are upfront about this as well as upfront about their using that cash to offset the cost of the program. They...
by Nate79
Sun Oct 13, 2019 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 88
Views: 6425

Re: Vanguard keeps pushing their financial advisors...why?

SxSW wrote:
Sun Oct 13, 2019 11:06 am
RickBoglehead wrote:
Sat Oct 12, 2019 6:42 am

Vanguard is not trying to win customers from other brokerages.
Of course they are. They are trying to increase revenue just like any other business.
Yes, the they have been pushing it hard for a few years now and they clearly admitted the reason is to increase revenue.
by Nate79
Sun Oct 13, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Deleted
Replies: 14
Views: 1395

Re: Deleted

I think a $500-600k policy would be needed to completely financially support your mom @$2k per month. But not sure you need to 100% support her but since that level of term insurance is cheap and your mom independant on you I think it is an ok plan.
by Nate79
Sat Oct 12, 2019 4:03 pm
Forum: Investing - Theory, News & General
Topic: Do You Think Vanguard Will Join The No Commission Party?
Replies: 40
Views: 4213

Re: Do You Think Vanguard Will Join The No Commission Party?

VaR wrote:
Sat Oct 12, 2019 3:53 pm
In what way is eliminating commissions on stock trades beneficial to Vanguard's owners (the mutual funds, and through them, the fund shareholders)?
Why do you think this matters? Clearly Vanguard doesn't think it does because they made 1800 ETFs trade free earlier in the year.
by Nate79
Fri Oct 11, 2019 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Budget Review - First home purchase
Replies: 7
Views: 831

Re: Budget Review - First home purchase

Clearly the home is not affordable on one income. Hope you both plan to work thru the life of the mortgage.
by Nate79
Fri Oct 11, 2019 6:00 am
Forum: Investing - Theory, News & General
Topic: Do You Think Vanguard Will Join The No Commission Party?
Replies: 40
Views: 4213

Re: Do You Think Vanguard Will Join The No Commission Party?

No I don't think they will join the party. They have been offering commission-free trades on Vanguard ETFs for all clients for 12-15 years. Free trades on competitor’s products have been offered for a long time based on minimum account balances. https://investor.vanguard.com/investing/transaction-f...
by Nate79
Thu Oct 10, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4622

Re: Best No Annual Fee Visa Credit Card with Cash Back

I would get the Amazon card for shopping at Amazon, the Costco card for at Costco and at the bonus categories, and the Citi double cash for everything else.
by Nate79
Thu Oct 10, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Policy
Replies: 12
Views: 889

Re: Life Insurance Policy

Shop for term insurance with someone like zander.com or term4sale.com. Absolutely do not buy permanent insurance - it is a horrendous product. Why would you want life insurance when you are 70? I surely hope that your financial life is not in such a dismal shape at 70 to still require life insurance...
by Nate79
Thu Oct 10, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Disadvantages of a bank signup bonus
Replies: 46
Views: 4072

Re: Disadvantages of a bank signup bonus

I do about 1-2 of bank bonuses, 1-2 brokerage bonuses and 1-2 credit cards per year max. It's too difficult to do much more than that due to the time of keeping all the accounts straight, meeting the requirements, etc.
by Nate79
Wed Oct 09, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: Concerned I may have somehow gotten scammed on Craigslist (as a seller)...
Replies: 28
Views: 3911

Re: Concerned I may have somehow gotten scammed on Craigslist (as a seller)...

You haven't gotten scammed, yet.... let us know if they show up or not.
by Nate79
Wed Oct 09, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 8797

Re: Do you carry your passport with you during international travel?

For business yes I always carry the passport with me. On vacations I always left in the hotel safe just due to activities and the such. 10+ years of international travel to 13 different countries without an issue.
by Nate79
Wed Oct 09, 2019 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Anyone know anything about California Bank and Trust?
Replies: 17
Views: 1092

Re: Anyone know anything about California Bank and Trust?

The 1 800 number is also not the same on the two websites. Certainly seems fishy.
by Nate79
Wed Oct 09, 2019 5:58 am
Forum: Personal Investments
Topic: Investment help- do we sell to pay down a mortage?
Replies: 12
Views: 1200

Re: Investment help- do we sell to pay down a mortage?

Easy. Sell the rental and get rid of PMI. Win win. That's not a great rental anyways.
by Nate79
Tue Oct 08, 2019 9:42 pm
Forum: Personal Investments
Topic: PAS suggested portfolio, too complex ?
Replies: 18
Views: 1651

Re: PAS suggested portfolio, too complex ?

Why do you care how many funds you have in PAS? That's what you are paying their high management fee to do. Hand them the keys, let them manage it, and move on. Or do it yourself. Of course you should watch what they are doing and understand the details but for them to manage 3 or 20 funds is easy. ...
by Nate79
Tue Oct 08, 2019 8:43 pm
Forum: Personal Investments
Topic: Employer switching to higher fee 401k admin. What would you do?
Replies: 46
Views: 3179

Re: Employer switching to higher fee 401k admin. What would you do?

Until the fund list is published and actual expenses compared it's all speculation at this point. The ER of the funds could decrease as far as we know because Voya administered plans can have dirt cheap funds in them.
by Nate79
Tue Oct 08, 2019 6:19 pm
Forum: Investing - Theory, News & General
Topic: Etrade for Roth IRA
Replies: 8
Views: 582

Re: Etrade for Roth IRA

Etrade, Scwab, and Fidelity are superior choices to Vanguard - no commissions, access to all the funds you need, and far superior service where customer comes first. Stay where you are at as long as you are happy. The "unique" mutual structure of Vanguard is a load of hogwash that keeps the lemmings...
by Nate79
Tue Oct 08, 2019 6:40 am
Forum: Personal Consumer Issues
Topic: New Car vs Fixing old car
Replies: 11
Views: 923

Re: New Car vs Fixing old car

I would call around and get a couple of other quotes for fixing your engine. If you can find a Subaru specialist it would be even better.