Search found 257 matches

by ebrasmus21
Tue Dec 18, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Disney/Univ Studio in Spring Break - is it crowded?
Replies: 36
Views: 1024

Re: Disney/Univ Studio in Spring Break - is it crowded?

There's one thing you can bet good money on and that is the fact that both those parks are going to be crowded when you plan on attending. They are always crowded. ALWAYS.
by ebrasmus21
Mon Dec 17, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1692930

Re: U.S. stocks in free fall

I have no idea how much I'm down. I haven't checked.
by ebrasmus21
Mon Dec 10, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Employer's Response: 401K Choices
Replies: 26
Views: 1997

Re: EMPLOYER'S RESPONSE: 401K Choices

I'm chuckling about the criteria they foisted on you about how they do selections. I'll bet it didn't come from the committee members independently per se, but from one of the salesreps. They sound plausible, but aren't they just BS? Fair enough question. I didn’t go there. I thanked them for the t...
by ebrasmus21
Mon Dec 10, 2018 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Employer's Response: 401K Choices
Replies: 26
Views: 1997

Re: EMPLOYER'S RESPONSE: 401K Choices

I would not ask troubling questions about your employer's 401K or other benefits. You do *not* want to give the appearance of being unhappy or dissatisfied. And you never know how much the company benefits from this 401K (as in lower expenses for them or some sort of bonus for them from the custodi...
by ebrasmus21
Mon Dec 10, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Employer's Response: 401K Choices
Replies: 26
Views: 1997

Re: EMPLOYER'S RESPONSE: 401K Choices

I would not ask troubling questions about your employer's 401K or other benefits. You do *not* want to give the appearance of being unhappy or dissatisfied. And you never know how much the company benefits from this 401K (as in lower expenses for them or some sort of bonus for them from the custodi...
by ebrasmus21
Mon Dec 10, 2018 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Employer's Response: 401K Choices
Replies: 26
Views: 1997

Re: EMPLOYER'S RESPONSE: 401K Choices

In the process of selecting the funds available to plan participants, cost is a factor, but it is not the only factor. When it comes to target date funds, I could not agree more. Would you be willing to elaborate? When you are comparing one vanilla broad market index fund with another, expense rati...
by ebrasmus21
Mon Dec 10, 2018 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Employer's Response: 401K Choices
Replies: 26
Views: 1997

Re: EMPLOYER'S RESPONSE: 401K Choices

billfromct wrote:
Mon Dec 10, 2018 6:29 pm
The American Century website shows a .92% net ER for the One Choice 2050 fund.

What is the the ER for your 401k American Century One Choice funds?

bill
Looks like I can access the fund for 0.72 ER.
by ebrasmus21
Mon Dec 10, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Employer's Response: 401K Choices
Replies: 26
Views: 1997

Re: EMPLOYER'S RESPONSE: 401K Choices

HEDGEFUNDIE wrote:
Mon Dec 10, 2018 6:12 pm
In the process of selecting the funds available to plan participants, cost is a factor, but it is not the only factor.
When it comes to target date funds, I could not agree more.
Would you be willing to elaborate?
by ebrasmus21
Mon Dec 10, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Employer's Response: 401K Choices
Replies: 26
Views: 1997

Re: EMPLOYER'S RESPONSE: 401K Choices

What did you say in your original note? This was my origniall inquiry: .... I only wanted to make a request that ABC consider adding a low cost Vanguard Target Retirement Fund or LifeStrategy Fund to the investment lineup. We have some great options but adding either or both of those Vanguard funds...
by ebrasmus21
Mon Dec 10, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Employer's Response: 401K Choices
Replies: 26
Views: 1997

Employer's Response: 401K Choices

Dear BH - I sent a note to my employer regarding the funds available through our 401k. We have many good choices however, for simplicities sake, I wanted to move into a target fund or LifeStrat fund. We do not have any low cost options in this regard. We really only have access to American Centry On...
by ebrasmus21
Fri Dec 07, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Understanding TIPS
Replies: 36
Views: 3381

Re: Larry Swedroe: Understanding TIPS

Excellent article. I think I have a slightly better understanding of TIPS now. I will continue, as previously planned, to buy the 5 Year TIPS in my HSA next week. For my HSA I have access to two VG TIPS funds - VTAPX (short-term 2.6 avg duration) - VIPIX (7 yr avg duration) Any insights on using on...
by ebrasmus21
Fri Dec 07, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Understanding TIPS
Replies: 36
Views: 3381

Re: Larry Swedroe: Understanding TIPS

Excellent article. I think I have a slightly better understanding of TIPS now. I will continue, as previously planned, to buy the 5 Year TIPS in my HSA next week. For my HSA I have access to two VG TIPS funds - VTAPX (short-term 2.6 avg duration) - VIPIX (7 yr avg duration) Any insights on using on...
by ebrasmus21
Fri Dec 07, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: California 8 days road trip LA-SFO
Replies: 40
Views: 2125

Re: California 8 days road trip LA-SFO

Most of everything from Leo Carrillo beach (near LA/Ventura county line) to San José is either a relaxing coastal B&B with obscure wine recommendations, or farmland. Some items of note: Guiseppe's in Pismo Beach is good pizza and gelato. There's also a park, Dinosaur Caves, nearby. This is a freque...
by ebrasmus21
Thu Dec 06, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: Southern California Vacation Questions
Replies: 39
Views: 2029

Re: Southern California Vacation Questions

Hi. I just signed up, but wanted to offer a suggestion. Since you plan to stay in the Santa Monica area, you might consider taking the family north to Simi Valley to visit the Ronald Reagan Library and Museum. It's a beautiful place with lots to see. -B +1 If museums are of interest I would highly ...
by ebrasmus21
Thu Dec 06, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: California 8 days road trip LA-SFO
Replies: 40
Views: 2125

Re: California 8 days road trip LA-SFO

Consider a day at Heast Castle on the way. Advance tickets are advised https://reservecalifornia.com/CaliforniaWebHome/Activities/HearstCastleTours.aspx Sometimes they have twilght evening tours, including some special tours around the Christmas holidays. If you're driving north on the HYW 1 then H...
by ebrasmus21
Wed Dec 05, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Home Question, What Would You Do?
Replies: 21
Views: 2133

Re: Home Question, What Would You Do?

Straightforward question...straightforward answer... just move and be happy. Good luck! On a related note, at your income levels and savings have considered getting a 15 year mortgage instead of a 30 year mortgage? Or if the liquidity issues doesn't work out, pay extra on your mortgage payment so y...
by ebrasmus21
Wed Dec 05, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Southern California Vacation Questions
Replies: 39
Views: 2029

Re: Southern California Vacation Questions

Haven't read all the responses but here is my advice: - LA/Hollywood is completely overrated (SoCal has so many options that are better IMO) - Huntington Gardens is awesome - Regan Library is awesome - Laguna Beach is really nice - San Diego is my favorite SoCal city. SD Zoo is incredible - Huntingt...
by ebrasmus21
Mon Dec 03, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Price vs. Gross Income
Replies: 59
Views: 4318

Re: Home Purchase Price vs. Gross Income

Reading threads with conversations about setting yourself/family up for financial success even through hard times, I’m curious what other Boglegeads ratio of home purchase price is vs. gross income and whether you live in a LCOL, MCOL or HCOL. For my family, it was about 1.93x at time of purchase a...
by ebrasmus21
Sat Dec 01, 2018 12:09 am
Forum: Investing - Theory, News & General
Topic: Federal Reserve Report: Millennials are poorer than previous generations
Replies: 17
Views: 2194

Re: Federal Reserve Report: Millennials are poorer than previous generations

3504PIR wrote:
Fri Nov 30, 2018 11:52 pm
Part of it was the hit they took in 09. The other part is that they are still waiting to be rewarded for their existence :D
The baby boomers that raised them did a great disservice teaching millennials to behave/think that way.
by ebrasmus21
Fri Nov 30, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: Californians with Fidelity HSA, what fund are you using?
Replies: 17
Views: 1344

Re: Californians with Fidelity HSA, what fund are you using?

Sadly for us in CA, yes. I'll probably just leave mine in cash for a little while yet - eventually I think I'll move most of it into TIPS as I see it there aren't any other palatable options. For cash, remember to use FDLXX as your "cash" position instead of the default core position. Money Market,...
by ebrasmus21
Fri Nov 30, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Too Much Savings Regret
Replies: 112
Views: 16920

Re: Too Much Savings Regret

From my perspective my parents fit this description. My dad was an officer in the USAF for 30 years and then he did 14 more years as a civil servant. He now has 2 pensions and a modest portfolio to boot. My mom and dad haven't ever really withheld anything from themselves. My mom has a modest amount...
by ebrasmus21
Fri Nov 30, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Marriott Starwood Security breach - 500 million guests
Replies: 26
Views: 3446

Re: Marriott Starwood Security breach - 500 million guests

Changed a couple of passwords today, likely all I'll do.
by ebrasmus21
Fri Nov 30, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: Californians with Fidelity HSA, what fund are you using?
Replies: 17
Views: 1344

Re: Californians with Fidelity HSA, what fund are you using?

I'm going to write to my state rep and complain about this. It's astounding to me that we're of only 2 states that tax HSAs, especially given how much virtue signaling the CA politicians do about providing affordable healthcare for all. My balance will finally break 5 figures and along with the tra...
by ebrasmus21
Thu Nov 29, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: Californians with Fidelity HSA, what fund are you using?
Replies: 17
Views: 1344

Re: Californians with Fidelity HSA, what fund are you using?

I'm going to write to my state rep and complain about this. It's astounding to me that we're of only 2 states that tax HSAs, especially given how much virtue signaling the CA politicians do about providing affordable healthcare for all. My balance will finally break 5 figures and along with the tra...
by ebrasmus21
Tue Nov 27, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Californians with Fidelity HSA, what fund are you using?
Replies: 17
Views: 1344

Re: Californians with Fidelity HSA, what fund are you using?

Since I haven't had to file that paperwork before -- how arduous is the CA state tax paperwork in this example? Just trying to figure out of the juice is worth the squeeze when comparing CA HSA accounts and use a TIPS fund vs cash. It's hardly much work really. You start with your Federal AGI and t...
by ebrasmus21
Tue Nov 27, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: Californians with Fidelity HSA, what fund are you using?
Replies: 17
Views: 1344

Re: Californians with Fidelity HSA, what fund are you using?

Are any of my fellow Californians using any of these: - VTAPX: Vang Short-term Infl Protected Sec - VIPIX: Vang Inflation Protected Sec I'd love to hear feedback from anyone using. I'm 100% cash right now in my HSA. No, but I used to use FIPDX (Fidelity Inflation Protected Bond Index Fund) in my Fi...
by ebrasmus21
Tue Nov 27, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: Californians with Fidelity HSA, what fund are you using?
Replies: 17
Views: 1344

Re: Californians with Fidelity HSA, what fund are you using?

Are any of my fellow Californians using any of these:

- VTAPX: Vang Short-term Infl Protected Sec
- VIPIX: Vang Inflation Protected Sec

I'd love to hear feedback from anyone using. I'm 100% cash right now in my HSA.
by ebrasmus21
Wed Nov 07, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 46
Views: 4489

Re: How much money did you receive from family? (Gifts/inheritance)

I had the good fortune of having college paid for by my parents. This allowed me to graduate debt free. My wife and I make decent pay (nothing extravagant) but still, if we had student loans, I just don't see how we could save for anything meaningful... Entering the workforce debt free has been imme...
by ebrasmus21
Sat Nov 03, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Nationwide Private Client
Replies: 24
Views: 1796

Re: Nationwide Private Client

I know several as well, with the same observation. The point, or the implication, is that they make a lot of money that goes to the expenses of the products/ investments they sell. Somebody's paying for the big houses and fancy cars, and that somebody is the client. People in sales make good money ...
by ebrasmus21
Fri Nov 02, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Nationwide Private Client
Replies: 24
Views: 1796

Re: Nationwide Private Client

I know a few Nationwide insurance guys. They live in big houses and drive nice cars. Profit somewhere for sure. Lol. What's your point? Should they volunteer their time? I know several as well, with the same observation. The point, or the implication, is that they make a lot of money that goes to t...
by ebrasmus21
Fri Nov 02, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Nationwide Private Client
Replies: 24
Views: 1796

Re: Nationwide Private Client

NWPC is one of the better HNW carriers out there. Chubb and AIG are also good. There isn't really a bad HNW carrier out there. Their coverage options are all similarly phenomenal, as is their claims handling. There are some differences, but I wouldn't pay significantly more for one than for another...
by ebrasmus21
Fri Nov 02, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Nationwide Private Client
Replies: 24
Views: 1796

Re: Nationwide Private Client

I know a few Nationwide insurance guys. They live in big houses and drive nice cars. Profit somewhere for sure. Lol. What's your point? Should they volunteer their time? I know several as well, with the same observation. The point, or the implication, is that they make a lot of money that goes to t...
by ebrasmus21
Fri Nov 02, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Nationwide Private Client
Replies: 24
Views: 1796

Re: Nationwide Private Client

NWPC is one of the better HNW carriers out there. Chubb and AIG are also good.
by ebrasmus21
Fri Nov 02, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Nationwide Private Client
Replies: 24
Views: 1796

Re: Nationwide Private Client

Housedoc wrote:
Thu Nov 01, 2018 9:45 am
I know a few Nationwide insurance guys. They live in big houses and drive nice cars. Profit somewhere for sure.
Lol. What's your point? Should they volunteer their time?
by ebrasmus21
Thu Sep 06, 2018 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1934

Re: Career Advice Please!

MSchleicher wrote:
Wed Sep 05, 2018 8:13 pm
Have you expressed your desire to work grow and help manage personnel with the VP?
Yes. I’ve done so on three separate occasions.
by ebrasmus21
Thu Sep 06, 2018 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1934

Re: Career Advice Please!

Can you open a frank line of communication with your current employer with regards to your mobility and potentially increasing your value with the company through taking on additional direct reports? Do this while you are pursuing this new opportunity which will allow you to leverage them against e...
by ebrasmus21
Wed Sep 05, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1934

Re: Career Advice Please!

OP, Besides higher pay, this sounds like a demotion to me. You report to a VP directly now. You could ask the existing boss to change your job title to director of business development. KlangFool I'm not sure I could agree to that reasoning. 1. The companies are vastly different in size 2. I'd also...
by ebrasmus21
Wed Sep 05, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1934

Re: Career Advice Please!

OP, Besides higher pay, this sounds like a demotion to me. You report to a VP directly now. You could ask the existing boss to change your job title to director of business development. KlangFool I'm not sure I could agree to that reasoning. 1. The companies are vastly different in size 2. I'd also...
by ebrasmus21
Tue Sep 04, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1934

Re: Career Advice Please!

How many years at your current employer would it take to make up the 30% compensation increase? This seems like a no brainer with more room to grow. You've maxed out at your current small company and are staying out of loyalty. If you didn't have history at the current company and were looking at b...
by ebrasmus21
Tue Sep 04, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1934

Re: Career Advice Please!

How many years at your current employer would it take to make up the 30% compensation increase? This seems like a no brainer with more room to grow. You've maxed out at your current small company and are staying out of loyalty. If you didn't have history at the current company and were looking at b...
by ebrasmus21
Tue Sep 04, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1934

Re: Career Advice Please!

OP, Besides higher pay, this sounds like a demotion to me. You report to a VP directly now. You could ask the existing boss to change your job title to director of business development. KlangFool I'm not sure I could agree to that reasoning. 1. The companies are vastly different in size 2. I'd also...
by ebrasmus21
Tue Sep 04, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1934

Re: Career Advice Please!

OP, Besides higher pay, this sounds like a demotion to me. You report to a VP directly now. You could ask the existing boss to change your job title to director of business development. KlangFool I'm not sure I could agree to that reasoning. 1. The companies are vastly different in size 2. I'd also...
by ebrasmus21
Tue Sep 04, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1934

Re: Career Advice Please!

I'm way ahead of myself on this, I know.

I just know that my current employers will be absolutely blindsided should I accept another position.
by ebrasmus21
Tue Sep 04, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1934

Career Advice Please!

I could really use some advice regarding a potential new job. For the record, this is all hypothetical as no offer is on the table. First, a little context. Current job title : manager Direct reports: none Job Duties: relationship management and business development. I travel a lot, wine-an-dine typ...
by ebrasmus21
Tue Aug 28, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: target date retirement funds or 3 fund portfolio
Replies: 12
Views: 1230

Re: target date retirement funds or 3 fund portfolio

I keep thinking I'll switch to a 3 fund and move out of my Vanguard TDF. Then I remember how lazy I am and do nothing.
by ebrasmus21
Tue Aug 28, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 48
Views: 4084

Re: Recommend a good SOCK. Yes, I said SOCK!

GOLD TOE Ever since they moved their manufacturing to China, Gold Toes are a pallid reflection of their former glory. Read their reviews on Amazon. I have been a cushion foot fluffy man for decades but I cannot abide the current version. Before washing they are obviously much thinner with little cu...
by ebrasmus21
Tue Aug 21, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: How much do you put away in investments?
Replies: 66
Views: 5538

Re: How much do you put away in investments?

Hello everyone, Im just curious to see how much everyone puts away every year into investments and what percentage of gross income that is. I personally put away about 65k a year total into 401, IRA, taxable accounts at about 15% of my gross income. I feel like we should be putting more into invest...