Search found 5801 matches

by Nate79
Mon Jun 01, 2020 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Reputable Term Life Insurance Broker
Replies: 5
Views: 257

Re: Reputable Term Life Insurance Broker

Zander.com is reputable. Very good experience with them and often recommended on here.
by Nate79
Mon Jun 01, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Stick with Term Insurance?
Replies: 13
Views: 697

Re: Should I Stick with Term Insurance?

Thanks for the info..... My Insurance Agent has pushed for me to try to convert my current Term Policies into Universal Policies with Long Term Care Riders, which to me is just very expensive. While I realize Long Term Care could be a real factor down the road, we are in a wealth accumulation stage...
by Nate79
Sun May 31, 2020 4:24 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund and ETF Performance Misunderstanding?
Replies: 10
Views: 625

Re: Mutual Fund and ETF Performance Misunderstanding?

Hello all. I have some newbie questions about the Total Stock Market Index funds and ETF that Vanguard offers The mutual fund and ETF performance is taken as of 3:30pm from the "stocks" app on my phone: Vanguard Total Stock Market Index Fund Mutual Fund: VSMPX $140.47 (+0.49%) - Institutional Plus ...
by Nate79
Sun May 31, 2020 3:33 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund and ETF Performance Misunderstanding?
Replies: 10
Views: 625

Re: Mutual Fund and ETF Performance Misunderstanding?

Hello all. I have some newbie questions about the Total Stock Market Index funds and ETF that Vanguard offers The mutual fund and ETF performance is taken as of 3:30pm from the "stocks" app on my phone: Vanguard Total Stock Market Index Fund Mutual Fund: VSMPX $140.47 (+0.49%) - Institutional Plus ...
by Nate79
Sat May 30, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 107
Views: 6414

Re: Falcon 9 Launch to the International Space Station

Amazing launch to watch live.
by Nate79
Sat May 30, 2020 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Ally vs. M1 (One Stop Shop w/ banking & leveraged funds)
Replies: 10
Views: 624

Re: Ally vs. M1 (One Stop Shop w/ banking & leveraged funds)

Schwab ticks most of your boxes but not all. But one thing I have heard is that if you have decent assets and ask they will give you some mutual funds at no transaction fee if you ask.
by Nate79
Sat May 30, 2020 5:52 am
Forum: Personal Investments
Topic: Schwab and Fractional Shares for ETFs
Replies: 6
Views: 779

Re: Schwab and Fractional Shares for ETFs

To clarify so far Schwab announced the ability to buy fractional shares of S&P500 individual stocks, called Schwab Stock Slices starts June 9th. It doesnt include ETFs. Example article here and was discussed about a week ago when it became public: https://www.businesswire.com/news/home/202005050052...
by Nate79
Thu May 28, 2020 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance Fees
Replies: 14
Views: 767

Re: Mortgage Refinance Fees

Shop, shop shop. I used mortgage professor and Costco. I try to always have a no fee refinance (ie lender credits cover all mortgage costs excluding escrow and prepaid interest).
by Nate79
Wed May 27, 2020 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Refinance to a 20 Year Mortgage 2.875%
Replies: 16
Views: 1162

Re: Should I Refinance to a 20 Year Mortgage 2.875%

I would find a no closing cost option. Maybe even a 15 year.
by Nate79
Wed May 27, 2020 5:02 pm
Forum: Personal Investments
Topic: Betterment liquidated my investments without my authorization
Replies: 75
Views: 5276

Re: Betterment liquidated my investments without my authorization

My understanding was that Betterment does not transfer in kind and I recall many stories that people found this out the hard way.
by Nate79
Wed May 27, 2020 4:58 pm
Forum: Personal Investments
Topic: If husband can do T-IRA, but acct says Roth, then...
Replies: 28
Views: 1297

Re: If husband can do T-IRA, but acct says Roth, then...

Can you clarify why/how your husband has a solo 401k? I didn't see it mentioned anywhere.
by Nate79
Tue May 26, 2020 9:48 pm
Forum: Investing - Theory, News & General
Topic: Covid-19 Fears and Stock Market Behavior
Replies: 13
Views: 1134

Re: Covid-19 Fears and Stock Market Behavior

I would look at number of deaths or perhaps the infection rate and not the total number of new cases because the number of new cases it is heavily influenced by the number of daily tests.
by Nate79
Tue May 26, 2020 9:44 pm
Forum: Investing - Theory, News & General
Topic: Is Vanguard's money where its mouth is?
Replies: 21
Views: 1872

Re: Is Vanguard's money where its mouth is?

Just to be clear - the issue raised here is with how Vanguard votes by proxy on the executive compensation in the companies held within Vanguard funds and not with Vanguard's compensation of its own leadership. I think Sconie's point is it is quite hypocritical to begrudge executive compensation at...
by Nate79
Tue May 26, 2020 9:29 pm
Forum: Investing - Theory, News & General
Topic: Is Vanguard's money where its mouth is?
Replies: 21
Views: 1872

Re: Is Vanguard's money where its mouth is?

I do not begrudge the executive leadership of Vanguard excellent compensation... Just to be clear - the issue raised here is with how Vanguard votes by proxy on the executive compensation in the companies held within Vanguard funds and not with Vanguard's compensation of its own leadership. I think...
by Nate79
Tue May 26, 2020 9:09 pm
Forum: Investing - Theory, News & General
Topic: Is Vanguard's money where its mouth is?
Replies: 21
Views: 1872

Re: Is Vanguard's money where its mouth is?

I do not begrudge the executive leadership of Vanguard excellent compensation... Just to be clear - the issue raised here is with how Vanguard votes by proxy on the executive compensation in the companies held within Vanguard funds and not with Vanguard's compensation of its own leadership. I think...
by Nate79
Tue May 26, 2020 9:05 pm
Forum: Investing - Theory, News & General
Topic: Is Vanguard's money where its mouth is?
Replies: 21
Views: 1872

Re: Is Vanguard's money where its mouth is?

Does a shareholder not reap their profits from the companies they invest in? Are the costs incurred by a business, not costs to the shareholder? Why should one pay more for this cost saving measure when action is already being taken on the issue? Simply check the other box. If Vanguard wants to lea...
by Nate79
Tue May 26, 2020 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Mother's or Father's Insurance for Newborn
Replies: 19
Views: 957

Re: Mother's or Father's Insurance for Newborn

You really need to talk to your insurance company and hospital and doctors office if you care to get this much detail ahead of time. In our case all expenses after birth were assigned to the individual (mother or baby) for which the line item care was performed. It was not lump sum.
by Nate79
Tue May 26, 2020 4:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - legacy acct --> brokerage acct and mutual funds --> ETF
Replies: 2
Views: 223

Re: Vanguard - legacy acct --> brokerage acct and mutual funds --> ETF

Vanguard has been migrating users from their legacy mutual fund only accts to a Vanguard brokerage account. Received my email.... and it will happen between now and 2022... SO... a 2-part question and discussion. #1 - Any issues when I move from a Vanguard mutual fund only acct ---> Vanguard broker...
by Nate79
Tue May 26, 2020 9:45 am
Forum: Personal Investments
Topic: Air conditioner stocks
Replies: 27
Views: 1785

Re: Air conditioner stocks

So you think with today's unprecedented number of people unemployed that they are going to go out and buy what is considered an extremely expensive purchase for their home?
by Nate79
Tue May 26, 2020 8:31 am
Forum: Personal Finance (Not Investing)
Topic: For EF "months", are we including unemployment benefits & stated severance policies? And both parts of a couple?
Replies: 19
Views: 1090

Re: For EF "months", are we including unemployment benefits & stated severance policies? And both parts of a couple?

You need an emergency plan, not just an emergency fund. This plan should cover a number of different scenarios and "what if's" and how you would pay for it. Emergencies are not just loss of jobs but new roof, replacement car (or fix), max out of pocket healthcare cost, etc as well as a few of these ...
by Nate79
Mon May 25, 2020 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another "can I afford this house"?
Replies: 12
Views: 1439

Re: Yet another "can I afford this house"?

Why is it always what is the max I can afford and not what is the least you can spend to make you happy?
by Nate79
Mon May 25, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: Robot vacuums
Replies: 28
Views: 1719

Re: Robot vacuums

We have had 2 Eufys for about 6 months. One for upstairs and one for down. They have been pretty good but took some planning to get it where they didn't get stuck on items and such. We run them on a daily schedule and really keeps the dirt down in the house.
by Nate79
Mon May 25, 2020 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: 6 Month Emergency Fund for a Business
Replies: 11
Views: 613

Re: 6 Month Emergency Fund for a Business

Yes, some businesses do run with nice cash reserves but sadly many small business are run like their owners own personal budgets, broke, in debt up to their eyeballs whose only "emergency fund" is a line of credit.
by Nate79
Mon May 25, 2020 1:58 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 88
Views: 5246

Re: New Vehicle: Forester or Rav4 for boglehead couple

You really need to sit in each, test drive, and see which YOU like better. I would put the Forester as hands down the best small SUV.
by Nate79
Mon May 25, 2020 11:50 am
Forum: Personal Investments
Topic: Why Vanguard Seems to Be Pushing Us Towards ETFs?
Replies: 50
Views: 4581

Re: Why Vanguard Seems to Be Pushing Us Towards ETFs?

See answers below. Really ETFs are not an issue. If dividends are reinvested in an ETF then fractional shares will arise. How does an individual completely liquidate a position if there is a fractional share? Easily, you just sell the shares and the broker will liquidate the fractional shares. When ...
by Nate79
Sun May 24, 2020 9:57 pm
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 81
Views: 3464

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

Sorry OP. You are broke, deep in debt and our economy is having a crisis and you want to buy a new BMW for your parents. You have a serious crisis and should work on your finances before buying someone else a new car. If they need a car get them a used car you can pay in cash. Gotta agree with this...
by Nate79
Sun May 24, 2020 9:11 pm
Forum: Personal Consumer Issues
Topic: Should we drop our Long Term Care Insurance?
Replies: 15
Views: 1219

Re: Should we drop our Long Term Care Insurance?

I think you are way to young for LTCi. Not with a father who had early onset dementia. That doesn't change anything in my book. The likelihood of needing LTC at such a young age is miniscule regardless of the family situation unless they have specific medical information, perhaps a genetic test to ...
by Nate79
Sun May 24, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 81
Views: 3464

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

I had good luck with Costco pricing. But I would never buy a BMW. Costco pricing is just rebranded TrueCar. TrueCar doesn't provide good pricing and has been discussed ad naseum on this site. https://www.bogleheads.org/forum/viewtopic.php?t=270605 https://www.bogleheads.org/forum/viewtopic.php?t=16...
by Nate79
Sun May 24, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: Should we drop our Long Term Care Insurance?
Replies: 15
Views: 1219

Re: Should we drop our Long Term Care Insurance?

I think you are way to young for LTCi.
by Nate79
Sun May 24, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 81
Views: 3464

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

Sorry OP. You are broke, deep in debt and our economy is having a crisis and you want to buy a new BMW for your parents. You have a serious crisis and should work on your finances before buying someone else a new car. If they need a car get them a used car you can pay in cash.
by Nate79
Sun May 24, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: New Tires or New Car?
Replies: 56
Views: 3335

Re: New Tires or New Car?

What is the car model?
by Nate79
Sun May 24, 2020 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed regarding debt
Replies: 42
Views: 3283

Re: Advice Needed regarding debt

It's really sad to see someone who spent $76k+ on an education to make $31k. Is there anything she can do to increase her income?
by Nate79
Sat May 23, 2020 4:41 pm
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 73
Views: 4814

Re: Thinking of selling some SP 500 to buy more Wells Fargo

Ah, as Clark Howard says The Criminal Enterprise known as Wells Fargo. Sadly my mortgage servicing just transferred to them. Oh well. How they stayed out of jail we will never know.
by Nate79
Sat May 23, 2020 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed regarding debt
Replies: 42
Views: 3283

Re: Advice Needed regarding debt

Dave Ramsey. She should keep listening to him but after 2 months she should know how to do this. No, bankrupcy will not help her situation.
by Nate79
Fri May 22, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: CapitalOne Venture would not forgive annual fee
Replies: 32
Views: 1881

Re: CapitalOne Venture would not forgive annual fee

In my experience if you get the fee waived one year it's tough to get it completely waived the second year on most annual fee cards. Sometimes they may make a retention offer (spend $X and get Y points) but in return you pay the fee.
by Nate79
Thu May 21, 2020 3:02 pm
Forum: Investing - Theory, News & General
Topic: In taxable, why are bond funds "discouraged" but not money market funds?
Replies: 17
Views: 1767

Re: In taxable, why are bond funds "discouraged" but not money market funds?

I have no problem holding bonds in taxable. The tax cost is just a cost on the return of part of my emergency fund. It's a minor detail.
by Nate79
Thu May 21, 2020 2:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 21019

Re: Vanguard brokerage account transition

It's one thing to complain about a transition (about 4 pages worth) but I hope everyone is now creating a plan for how to deal with the platform that will be ending. You either change now (and get used to the minor inconveniences) or hold out and make it more and more painful on yourself to where e...
by Nate79
Thu May 21, 2020 2:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 21019

Re: Vanguard brokerage account transition

It's one thing to complain about a transition (about 4 pages worth) but I hope everyone is now creating a plan for how to deal with the platform that will be ending. You either change now (and get used to the minor inconveniences) or hold out and make it more and more painful on yourself to where e...
by Nate79
Thu May 21, 2020 2:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 21019

Re: Vanguard brokerage account transition

It's one thing to complain about a transition (about 4 pages worth) but I hope everyone is now creating a plan for how to deal with the platform that will be ending. You either change now (and get used to the minor inconveniences) or hold out and make it more and more painful on yourself to where e...
by Nate79
Thu May 21, 2020 2:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 21019

Re: Vanguard brokerage account transition

It's one thing to complain about a transition (about 4 pages worth) but I hope everyone is now creating a plan for how to deal with the platform that will be ending. You either change now (and get used to the minor inconveniences) or hold out and make it more and more painful on yourself to where ev...
by Nate79
Thu May 21, 2020 2:06 pm
Forum: Personal Investments
Topic: Fees/penalties for Transferring money from Traditional IRA brokerage account to Vanguard brokerage account?
Replies: 16
Views: 557

Re: Fees/penalties for Transferring money from Traditional IRA brokerage account to Vanguard brokerage account?

I spoked to LPL Financial and they confirmed that I am holding a Brokerage NR account with them. I spoke to Vanguard and they cannot tell me why this error occurred. Website malfunction... who knows... The error has been corrected and I am waiting 5-7 business days for the assets to transfer. Thank...
by Nate79
Thu May 21, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: Buying tires for 2017 Subaru Outback
Replies: 29
Views: 1664

Re: Buying tires for 2017 Subaru Outback

I installed Firestone Weathergrip tires on our Forester this winter. Of course it had to be the year where we didn't get much snow.... anyways they are an all weather tire, which is a newer type meant to go year round. Something in between a true snow tire and all season but does include the snow fl...
by Nate79
Thu May 21, 2020 11:17 am
Forum: Personal Investments
Topic: Fees/penalties for Transferring money from Traditional IRA brokerage account to Vanguard brokerage account?
Replies: 16
Views: 557

Re: Fees/penalties for Transferring money from Traditional IRA brokerage account to Vanguard brokerage account?

Thanks everyone for the replies. I called Vanguard and had them cancel the transfer and begin a new transfer of the monies directly into my Vanguard brokerage account. The monies at LPL were never involved in any retirement accounts so I won't incur any fees/penalties. It was originally monies held...
by Nate79
Tue May 19, 2020 9:17 pm
Forum: Personal Investments
Topic: ETF versus MF
Replies: 29
Views: 1518

Re: ETF versus MF

I would prefer to keep mutual funds as well but that’s not permissible if you use the PAS at Vanguard. They are moving everyone to the brokerage platform AND ETF’s. I’m unsettled about that. I’d like to keep my mutual funds and don’t want to be forced into ETF’s. I understand and accept they want t...
by Nate79
Tue May 19, 2020 5:56 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 68
Views: 2939

Re: Engagement Ring Help

I like the guidance of no more than 1 months after tax salary if you are in a good spot financially (debt free, putting >15% in retirement accounts, etc). If those are not true I would spend less.
by Nate79
Tue May 19, 2020 2:54 pm
Forum: Personal Investments
Topic: Sold some stock on new highs today!
Replies: 23
Views: 2334

Re: Guys, I got out! (sold equities)

Hi everyone, So I sold today on the new highs, around 2955. Luckily I only sold ~8% of the portfolio. So to be politically correct, let's just say I decided to change my allocation to something more conservative.:wink: It's about 56/44 now. Ok, I overreacted a bit. I plan to let it slide to 60/40 a...