Search found 3566 matches

by Nate79
Wed Nov 21, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: Vanguards PAS vs Intelligent Portfolios vs Etrade Core Portfolios
Replies: 3
Views: 230

Re: Vanguards PAS vs Intelligent Portfolios vs Etrade Core Portfolios

No, they don't let you play around with the portfolio willy nilly as you wish. Sounds like you should handle your own portfolio as you are gaining nothing from the cookie cutter robo advisor portfolios if you just want to modify it yourself.
by Nate79
Wed Nov 21, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: Opinion Required
Replies: 29
Views: 1107

Re: Opinion Required

This is just a reminder that CFA's don't know more than the general investing public. If they handle their own money like this....
by Nate79
Tue Nov 20, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Amazon TLH Apple
Replies: 5
Views: 423

Re: Amazon TLH Apple

Good idea? No. But I don't gamble with single stocks.
by Nate79
Tue Nov 20, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Month Short-Term Health Insurance
Replies: 20
Views: 796

Re: 12 Month Short-Term Health Insurance

From my understanding the biggest concern would be understanding what they do and do not cover (they don't cover all the items that ACA compliant plans cover) as well as pre-existing conditions. I think that is the big concern. I think I would pay a little more to have the higher per person max also.
by Nate79
Tue Nov 20, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Incompetent home inspector - what to do?
Replies: 49
Views: 4683

Re: Incompetent home inspector - what to do?

A buyer can back out of a contract to buy a house, but whether he can do so without losing the security deposit is determined by state law and the terms of the contract. For at least one house I bought, the cost of the repairs determined by the inspector to be necessary had to have been at least $1...
by Nate79
Tue Nov 20, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: High fees with Fidelity 401k
Replies: 6
Views: 544

Re: High fees with Fidelity 401k

I always thought teachers got 403b's and 457 (and usually a long list of providers to choose from). Didn't know they also have 401ks. Anyways, if you don't like the benefit being provided by your employer then lobby for change, quit, or suck it up and deal with it.
by Nate79
Tue Nov 20, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Which cars can be unlocked and started from a smart phone?
Replies: 25
Views: 1408

Re: Which cars can be unlocked and started from a smart phone?

Add to the list Subaru. At least I have seen it on the Ascent. Probably on all the others too.
by Nate79
Tue Nov 20, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: What's in your Investor Policy Statement about Bear Markets?
Replies: 42
Views: 2219

Re: What's in your Investor Policy Statement about Bear Markets?

Nothing. Bear, bull, rhinoceros doesn't change the investment targets.
by Nate79
Mon Nov 19, 2018 9:38 pm
Forum: Investing - Theory, News & General
Topic: The Rise of Passive Investing - Are we missing something?
Replies: 18
Views: 2937

Re: The Rise of Passive Investing - Are we missing something?

What did the other 50,000 threads on this subject miss that this thread is supposed to enlighten?
by Nate79
Mon Nov 19, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Beware the commission salesperson
Replies: 19
Views: 1855

Re: Beware the commission salesperson

The salesman and the product are two completely separate things. The product itself may be horrible (like Whole Life or the junker at the used car lot with hidden problems). The salesman themself may also be a lier, cheater, etc or may be honest and have your interest in mind. Inherently the commiss...
by Nate79
Mon Nov 19, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: When a financial planner isn't a financial planner
Replies: 10
Views: 1964

Re: When a financial planner isn't a financial planner

I think you are drawing broad brush conclusion that are not universally true trying to parse words to prove some type of point. If I hire someone to prepare a financial plan for me they are a financial planner. Separately there would need to be an agreement on how the payment would be constructed co...
by Nate79
Mon Nov 19, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 202
Views: 12600

Re: Vanguard lowering Admiral level to $3,000?

Hope they don't raise the ER on Admiral to compensate for higher costs. That would be massively stupid. I think you can rest easy that they don't have a shotgun pointed at their foot waiting to do that. Cheers Vanguard does not "lower" their ER. They do not "raise" the ER. The ER is the ER of the f...
by Nate79
Mon Nov 19, 2018 6:53 am
Forum: Investing - Theory, News & General
Topic: brokerage failure & risk premium for t-bill & cd
Replies: 16
Views: 1050

Re: brokerage failure & risk premium for t-bill & cd

I have FAR more worry to some type an issue at Treasury Direct than at a broker. Search past threads on the lack of transparency in any type of support you will get if your money goes missing from Treasury Direct. Thanks for your comment, this is news to me. Just to clarify, are you saying that TD ...
by Nate79
Sun Nov 18, 2018 7:52 pm
Forum: Investing - Theory, News & General
Topic: Interview with Fidelity's Abigail Johnson
Replies: 25
Views: 2896

Re: Interview with Fidelity's Abigail Johnson

Vanguard has also publically stated that they were going to increase marketing for their PAS service as a revenue driver to support their operations.
by Nate79
Sun Nov 18, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: brokerage failure & risk premium for t-bill & cd
Replies: 16
Views: 1050

Re: brokerage failure & risk premium for t-bill & cd

I have FAR more worry to some type an issue at Treasury Direct than at a broker. Search past threads on the lack of transparency in any type of support you will get if your money goes missing from Treasury Direct.
by Nate79
Sun Nov 18, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Company Reccomendations
Replies: 7
Views: 705

Re: Life Insurance Company Reccomendations

term4sale.com comes highly recommended here. It will hook you up with an independent agent who can shop policies for you. Alternatively, I recommend doing a Google search for an independent agent in your community. The important word there is "independent." You don't want a captive agent, i.e., one...
by Nate79
Sat Nov 17, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Are VG TR 2020 and TR 2025 substantially identical?
Replies: 5
Views: 384

Re: Are VG TR 2020 and TR 2025 substantially identical?

This question is for a relative, who has modest short term losses in the VG Target Retirement 2020 fund. Would exchanging those shares for VG TR 2025 be considered substantially identical? They invest in similar funds, but 2025 doesn’t contain TIPS, and the asset allocation percentages are differen...
by Nate79
Sat Nov 17, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: Basic simple questions on TLH
Replies: 5
Views: 418

Re: Basic simple questions on TLH

Are you aware buy/selling in IRAs cause wash sales?
by Nate79
Sat Nov 17, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: LOST OVER $400 on CDs in 2 Weeks!
Replies: 24
Views: 4285

Re: LOST OVER $400 on CDs in 2 Weeks!

Check back in 10 years and let us know if you lost money.

10 year CD? Unbelievable.
by Nate79
Sat Nov 17, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: New Crossover Confusion.....
Replies: 26
Views: 2083

Re: New Crossover Confusion.....

Subaru Forester.
by Nate79
Sat Nov 17, 2018 7:15 am
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 13
Views: 1232

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

IF you already own Fidelity Total Market Index Fund, which has an expense ratio of .015, should you switch to the Fidelity Zero Total Market fund? The consensus seems to be to stay away from the zero funds because they use some kind of 'trick' to make up for the zero expense. The trick seems to be ...
by Nate79
Fri Nov 16, 2018 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to Decide Future Investments
Replies: 15
Views: 1215

Re: TRYING TO DECIDE FUTUTRE INVESTMENTS

Indexed annuitities (equity)? I just threw up a little.

Nasty nasty product.
by Nate79
Fri Nov 16, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Receiving Spam Texts... Lawsuit
Replies: 3
Views: 741

Re: Receiving Spam Texts... Lawsuit

They are probably not even in the US. Setting up spam calls and texts is so easy now with robo calls with companies outside the US.
by Nate79
Fri Nov 16, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why I plan on buying a life annuity - even if it is a stupid idea
Replies: 97
Views: 8188

Re: Why I plan on buying a life annuity - even if it is a stupid idea

My dad got a non-Cola'd pension from Bethlehem Steel in 1982; it was $800. per month. It is, of course, still $800. per month but he likes getting it. Many, if not most, non-public pensions do not have a Cola.That is how I look at a SPIA. When I was 62, I got a SPIA paying me $1,034 per month. I li...
by Nate79
Thu Nov 15, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: KaiZen Life Policy
Replies: 24
Views: 4146

Re: KaiZen Life Policy

I am interested in this tool. I too heard about it, and it sounds legit with good returns. I'm not so considered what somebody else makes, more interested in my personal return. Could someone post details on how the plan works, and why it is so effective? Note that I considered Captive Insurance pr...
by Nate79
Thu Nov 15, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 13
Views: 920

Re: Dealing with Jeep for warranty claims. Any tips?

So you took it to the dealer and didn't bother to tell them about the issue, but expected them to just pick up on it? Doesn't seem like the best plan. My tip seems like an obvious one to me, but I'd suggest taking it to the dealer and making them aware of the problem before the warranty runs out? :...
by Nate79
Wed Nov 14, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: Do BHs care about real asset value or stay in course?
Replies: 13
Views: 1193

Re: Do BHs care about real asset value or stay in course?

WhiteMaxima wrote:
Wed Nov 14, 2018 6:55 pm
Do BHs care about real asset value or stay in course? even of we know there is a huge asset bubble?
What do you mean real asset value?
by Nate79
Wed Nov 14, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 67
Views: 7637

Re: Dave Ramsey's advice on investing?

Well, let me give my two cents. Of course keeping money in index funds and following Jack Bogle's advices is probably the best investing strategy for everybody, but I am not sure that everybody will diligently follow it throughout the life. Dave and Jack are doing quite different things and both ha...
by Nate79
Wed Nov 14, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 67
Views: 7637

Re: Dave Ramsey's advice on investing?

So this seems to conflict with what I read in the Boglehead book which seems to support self-investing more so, and using an adviser only if you can find one with no possible conflicts of interest. Ramsey also consistently seem to talk about investing being "complicated". Bogleheads says investing ...
by Nate79
Wed Nov 14, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 67
Views: 7637

Re: Dave Ramsey's advice on investing?

Not many. His investing advice really sucks...bad. DA +1. The guy is a scam artist, but I have to be careful what I say cause I have gotten banned for speaking about Dave here, which I believe is moderated by some pro-Ramsay people. I agree. He started his program with the theme of getting out of d...
by Nate79
Tue Nov 13, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 113
Views: 16066

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

The market has barely blipped. What are you going to do when it really crashes and your losses are 5X worse?
by Nate79
Mon Nov 12, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to rent our house?
Replies: 12
Views: 1004

Re: Is it worth it to rent our house?

Sounds like a horrible rental and if you don't understand why I suggest that alone means you should sell it.
by Nate79
Sun Nov 11, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Exterior Painting Mil Thickness and Coats
Replies: 15
Views: 1054

Re: Exterior Painting Mil Thickness and Coats

They make small feelers to measure the thickness of wet paint (at least according to google).
by Nate79
Sun Nov 11, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Need A Credit Score?
Replies: 24
Views: 1059

Re: Do I Need A Credit Score?

My spouse has an excellent score at 800. We use spouses credit history to get our home. Other than that, we have a credit card in spouses name that we use sometimes and pay off in full. At this point in the game, should I get a credit card and start building a score? If you are listed as a borrower...
by Nate79
Sun Nov 11, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Regrets from canceling whole life insurance policy - anyone out there?
Replies: 27
Views: 2970

Re: Regrets from canceling whole life insurance policy - anyone out there?

Nissanzx1 wrote:
Sun Nov 11, 2018 10:47 am
You will have no regrets, get rid of that garbage.

However, make sure your term insurance is in force BEFORE you cancel your whole life. That is, IF you need life insurance.
+1

Regrets would only come from ignorance.
by Nate79
Sat Nov 10, 2018 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Any experience with Realty Mogul or Fundrise?
Replies: 13
Views: 2060

Re: Any experience with Realty Mogul or Fundrise?

I started with Fundrise less than a month ago (eREIT product, growth portfolio). My target is more access to real estate investment return similar to owning rentals without having to get into the rental business. I'm starting with a small monthly allocation for now just to see how it works out (~5%...
by Nate79
Sat Nov 10, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3551

Re: International Travel during Maternity/Paternity

This is just about the worst idea I have heard in a long time. As someone who just took a 10 month old to an all inclusive resort on vacation (that was booked before we knew better) it was a big mistake, personally and financially. We couldn't do any activities and our daughter got a cold that made...
by Nate79
Sat Nov 10, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is NOW a good time to start ETF saving journey?
Replies: 13
Views: 1338

Re: Is NOW a good time to start ETF saving journey?

Thank you for replies. It looks like indeed the time is now :) I'm sorry I did not mention that I'm not US resident. But you raised important topic of taxes, which I did not take into consideration before. I will study tax implications for my country. Since you are not a US resident I suggest you p...
by Nate79
Sat Nov 10, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Relative Credit Risk: US Treasuries, FDIC-Insured Money Market, TIAA-CREF General Account
Replies: 5
Views: 288

Re: Relative Credit Risk: US Treasuries, FDIC-Insured Money Market, TIAA-CREF General Account

I don't understand this product. Is it fully liquid, able to pull money out and pay for emergencies any time, no penalty?
by Nate79
Sat Nov 10, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3551

Re: International Travel during Maternity/Paternity

This is just about the worst idea I have heard in a long time. As someone who just took a 10 month old to an all inclusive resort on vacation (that was booked before we knew better) it was a big mistake, personally and financially. We couldn't do any activities and our daughter got a cold that made ...
by Nate79
Fri Nov 09, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Double-check your contributions to tax-advantaged accounts this time of year
Replies: 15
Views: 1723

Re: Double-check your contributions to tax-advantaged accounts this time of year

Thanks for the reminder. It made me realize that I was going to be about $100 short of maxing my 401k so I bumped the percentage up.
by Nate79
Fri Nov 09, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Tips for protecting buyer from fraud by seller
Replies: 5
Views: 483

Re: Tips for protecting buyer from fraud by seller

I agree that you should buy a few at a time. Do your credit cards in Canada provide buyer protection like in the US? I also agree that Ebay is heavily biased towards the buyer.
by Nate79
Fri Nov 09, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: Old Investment Articles & Interviews
Replies: 11
Views: 941

Re: Old Investment Articles & Interviews

If you are not going to go back and read them I would delete them.
by Nate79
Fri Nov 09, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Consolidation Loan
Replies: 11
Views: 691

Re: Debt Consolidation Loan

Consolidation loans only make sense if it will reduce the overall average interest rate of your debt or somehow improved some critical terms.
by Nate79
Fri Nov 09, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Chase points - what's the point of buying gift cards
Replies: 30
Views: 2597

Re: Chase points - what's the point of buying gift cards

I tend to gift our Chase Sapphire points to D, who used them to buy airplane tickets. This allows her a lot of flexibility and to book at close to last minute without much penalty. For example, she’s purchased one way ticket LAX to HNL for 12,500 points, which we think was a bargain, especially ove...
by Nate79
Fri Nov 09, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 184
Views: 8824

Re: Long-term Care Insurance

I wish bogleheads had a Wiki for LTCi https://www.bogleheads.org/wiki/Long-term_care_insurance Thank you Who wrote this wiki? And how long ago was it? There are two mistakes just in the first two sentences. I flagged your comment so that you can contact a mod to discuss changing the wiki. I don't h...
by Nate79
Fri Nov 09, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Workplace 401k Fees being added
Replies: 7
Views: 882

Re: Workplace 401k Fees being added

Sounds like you have zero options.
by Nate79
Fri Nov 09, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 184
Views: 8824

Re: Long-term Care Insurance

2pedals wrote:
Fri Nov 09, 2018 1:02 pm
I wish bogleheads had a Wiki for LTCi
https://www.bogleheads.org/wiki/Long-te ... _insurance