Search found 125 matches

by investor997
Tue Oct 17, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 242
Views: 10156

Re: Fellow TDA bogleheads

You could switch to a new fund on the new commission-free list, but how long until it is dropped from the list, too? (Or in the case of some of the FirstTrust funds, until it delists for poor volume...) This is why I'm considering Schwab and using their ETFs (SCHB/SCHF/SCHE/SCHZ). They're all in-ho...
by investor997
Tue Oct 17, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 242
Views: 10156

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Lot of discussion about alternative SPDR portfolio ETFs as substitutes. Not really a fair substitute. The SPDR funds are not only changing their tickers. They are CHANGING their tracking index to their OWN proprietary SSGA index. This is very troubling to me and I won’t use them for that reason alo...
by investor997
Mon Oct 16, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 15
Views: 1182

Re: Business Laptop Suggestions Request

Avoid HP EliteBook. I've had stability issues with mine, plus the display is not IPS so the colors are washed out and viewing angles are poor. Lastly, it only has a full size DisplayPort connector; no HDMI.
by investor997
Mon Oct 16, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 116
Views: 5443

Re: What are you driving? And would you buy your current ride again?

Just finished a 2 day drive towing the boat with my '07 4Runner V-8. I'd buy another in a heartbeat, but Toyota doesn't make a 4Runner with over 7,000 lb tow capacity anymore. I drive a 2010 4Runner and would also buy it again gladly. I do wish the v8 was still an option however. I have a 2004 4Run...
by investor997
Mon Oct 16, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: What are your best car battery purchase options?
Replies: 18
Views: 718

Re: What are your best car battery purchase options?

If you're a AAA member, call them. They'll send a someone out to your house to R&R the battery. They're re-branded units from Interstate. Overall cost will be comparable to buying the battery off the shelf and DIY. The advantage is that when (not if) the battery fails, even if you're out on the road...
by investor997
Mon Oct 16, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 242
Views: 10156

Re: Fellow TDA bogleheads

Bummer. I'm with Scottrade for the time being. The guy at my local branch had been feeding me free trades (so I can buy VTI, etc) until the deal with TDA closed. Now I'm not sure what to do. I'm not comfortable with these new State Street ETFs (yet). Option A: Move my account to Fidelity Pros: It's ...
by investor997
Sat Oct 14, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: tax questions about non-discrimination tests and Mega Back Door Roth IRA
Replies: 3
Views: 288

Re: tax questions about non-discrimination tests and Mega Back Door Roth IRA

My employer limits HCEs to 8% pre-tax and 6% after-tax contributions. As a result, I've never had to deal with the non-discrimination issue. On the other hand, 6% after-tax contribution limits makes the mega back-door Roth not quite "mega" - more like "kilo". I'll still take it.
by investor997
Sat Oct 14, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 50
Views: 2968

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

I, too, would opt for the Big Island. Don't even think of including beaches on the Big Island - too much else to do and the beaches are not that good anyway. Big Island needs at least a week - no way 3 days gives it justice. And I disagree about beaches. It has fewer beaches compared to the other i...
by investor997
Sat Oct 14, 2017 12:05 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 50
Views: 2968

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

Consider spending the extra three nights on Kauai and limiting the trip to a single island. Find a VRBO or Airbnb in the Princeville area on the north shore. It's a sharp contrast to the southern tip of the island (Poipu) where the Grand Hyatt is. I've been to Kauai twice in recent years. My highlig...
by investor997
Tue Oct 10, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6316

Re: Fidelity Security

I contacted Fidelity and here's the response I got: Thank you for investing with Fidelity Investments and I can understand your concerns regarding VIP Access and the security precautions we take when disabling this security. Although the Equifax issue does not affect the Fidelity site, we are glad t...
by investor997
Tue Oct 10, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6316

Re: Fidelity Security

Is it all perfect? No. Is it useful and worth using? Yes. And so I have added both of these features to my Schwab and Fidelity accounts. I guess I'm struggling with the "useful and worth using" part. If we already secure our accounts with a password that's strong (alphanumeric) and unique to Fideli...
by investor997
Tue Oct 10, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6316

Re: Fidelity Security

How does the VIP app really provide any extra security? To deactivate it all you have to do is call... The voice print security validates who's calling. https://www.fidelity.com/security/fidelity-myvoice/overview Has anyone here actually lost their VIP access device and had to "recover" their accou...
by investor997
Mon Oct 09, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3692

Re: What specific changes have you made post-Equifax?

Removed my cell phone number from all accounts (including Gmail) such that it can never be used as a password recovery mechanism.
by investor997
Mon Oct 09, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to utilize monthly vehicle allowance from employer?
Replies: 10
Views: 589

Re: Best way to utilize monthly vehicle allowance from employer?

Hmm that's tough to say. Her territory will be the East Coast - Maine to Florida - and a little inland to New Orleans. She'll have to fly a decent amount but we're near enough to Boston, New York, and Philadelphia that she'd probably drive to all accounts in that region. I'd estimate 12,000+ miles ...
by investor997
Mon Oct 09, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to utilize monthly vehicle allowance from employer?
Replies: 10
Views: 589

Re: Best way to utilize monthly vehicle allowance from employer?

How many miles per year does she expect to drive with the new position? That may determine lease vs. buy as the best strategy.
by investor997
Thu Oct 05, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 187
Views: 20811

Re: Retirement Account Stolen by Identity theft

I was just going to start a new thread about something similar. Clark Howard has opined that the Equifax breach now opens up the possibility of easy and routine theft of retirement and investment accounts, since essentially all personal information used to verify identity is now in the hands of cro...
by investor997
Wed Oct 04, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Help selling scion xa
Replies: 41
Views: 2840

Re: Help selling scion xa

When you settle on a price, go to the buyer's bank to finish the transaction. Have them issue you a bank/cashier's check. Stand next to the buyer when they're at the teller window. That way you know for sure the check is good. Don't accept a "cashier's check" if you're not with them at their bank wh...
by investor997
Wed Oct 04, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 1637

Re: Fender bender -- other driver at fault -- what to do?

It depends on the damage, but how much do you care about the resale value of your car? Earlier this year I had a small fender bender that wasn't my fault. The damage wasn't too bad; just a small crease in the sheetmetal located on the drivers' side rear wheel arch. Most of the damage from the impact...
by investor997
Thu Sep 28, 2017 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 77
Views: 9554

Re: My boneheaded financial mistakes

3) Worked for a pre-IPO startup in the early-00s. Accepted an offer at another company and left, but decided to gamble $13K on exercising my ISOs as I walked out the door. Sometimes you really can't ever tell when these things hit it big and I didn't want it to be the one that got away. The company...
by investor997
Wed Sep 27, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 5927

Re: My Smartest Financial Moves

Bought my home in a HCOL back in '98. My last mortgage payment is in November. Current market value is about 3X the price I paid.

Also, discovering this website and moving completely over to indexing. I will never buy an individual stock ever again.
by investor997
Wed Sep 27, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 77
Views: 9554

Re: My boneheaded financial mistakes

1) Back in the dot-com era, bought 1000 shares of one particular tech company stock for about $6/share. Rode it down to $1/share, panicked and sold for a loss. The stock then subsequently rode the dot-com wave up to $80+/share before eventually tanking like everything else. That was one of the first...
by investor997
Wed Sep 27, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Mega-backdoor Roth Conversion. Am I doing this correctly?
Replies: 19
Views: 1565

Re: Mega-backdoor Roth Conversion. Am I doing this correctly?

Remember to keep meticulous records of how every penny gets into your Roth IRA (including earlier contributions). Keep them until your mid 60's. The withdrawal rules are complex and you will need those records if you need to withdraw money before age 59.5. Boy did I screw up... Time to start lookin...
by investor997
Wed Sep 27, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Mega-backdoor Roth Conversion. Am I doing this correctly?
Replies: 19
Views: 1565

Re: Mega-backdoor Roth Conversion. Am I doing this correctly?

Ah, yes. :( But I think you can avoid that by leaving some money there. Everyone's situation is different but if the end goal is to choose funds to build a Three Fund Portfolio, Fidelity has in-house options that are good enough/close enough to Vanguard's. From the Wiki: With Fidelity, for example,...
by investor997
Tue Sep 26, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Mega-backdoor Roth Conversion. Am I doing this correctly?
Replies: 19
Views: 1565

Re: Mega-backdoor Roth Conversion. Am I doing this correctly?

A much better, less error prone method would be to do an in-plan 401(k) conversion [edit:] in-service rollover to a FIDELITY ROTH IRA. Agreed. I moved my Roth IRA to Fidelity precisely for this reason, especially since I plan to do these in-service rollovers fairly regularly (at least once a quarte...
by investor997
Fri Sep 22, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Any Ford Escape drivers in Boglehead-land?
Replies: 23
Views: 2354

Re: Any Ford Escape drivers in Boglehead-land?

I just finished up a six night stay on the Big Island of Hawaii. My rental was a 2017 Escape Titanium FWD. Here are some observations after running a couple tanks of gas through it: The 2.0 turbo engine is very torquey and gives the car really good acceleration. It had no problem maintaining speeds ...
by investor997
Tue Sep 12, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Sanity Check: Roth IRA Asset Allocation w/ Schwab
Replies: 10
Views: 955

Re: Sanity Check: Roth IRA Asset Allocation w/ Schwab

If you wanted to make it easy on yourself you could probably just go "all-in" with one of Schwab's newer Target Index Funds. They're comprised of most all the Schwab ETFs you list. Since you're in your mid-20s, you could start with either the 2055 fund (SWYJX) or the 2060 fund (SWYNX). ER is 0.08%. ...
by investor997
Mon Sep 04, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 2889

Re: Are you a "car guy" or "car gal", how do you fund?

Especially the N54 in that car. You were right on the brink of new turbos, most likely! However, amazing car. I had one for a few years as well with some tuning. I'm actually not that afraid of the N54. It has warts, but they're pretty well understood. My car was one of the earlier builds that had ...
by investor997
Mon Sep 04, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: How long do cars last these days (electronics)
Replies: 32
Views: 2336

Re: How long do cars last these days (electronics)

If you have a screen and compatibility with iOS or Android, you should be able to get software updates for the life of the car. In any vehicle, the cost of repairs for technology is expensive and cumbersome. I had an '07 Mazda where the disc changer froze in the dashboard. I lost 6 irreplaceable CD...
by investor997
Mon Sep 04, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 2889

Re: Are you a "car guy" or "car gal", how do you fund?

Im looking at preowned german sports coupes currently. Any experience? I bought a 2010 911 Carrera S about three years ago. Not cheap, but they're starting to get far enough down the depreciation curve such that the ownership cost is bearable. It helps if you're mechanically savvy as this will save...
by investor997
Mon Sep 04, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: How long do cars last these days (electronics)
Replies: 32
Views: 2336

Re: How long do cars last these days (electronics)

I'm not as worried about the reliability of the electronics as I am about the nature of how dated they'll seem ten years from now. Many of us here are driving cars that were made in the early to mid-2000s, built back when everyone had a Motorola RAZR or a Palm Treo, two technical gadgets that are ho...
by investor997
Fri Sep 01, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Insurance snafu with sewer line break at condo
Replies: 31
Views: 3435

Re: Insurance snafu with sewer line break at condo

OP here with closure follow-up. My neighbor with the sewer line back-up caught a break from her insurance (State Farm); despite not having specific sewer back-up coverage, they eventually decided to cover her claim as they determined the break occurred in a location underneath her property and not t...
by investor997
Sat Aug 26, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: 401K Post Tax or Taxable Investment
Replies: 12
Views: 786

Re: 401K Post Tax or Taxable Investment

Even if your 401k doesn't allow in-service rollovers, my understanding is you can still roll over the after-tax portion of the account into a Roth IRA once you terminate employment. So long as your 401k has some decent fund choices which meet your goals and aren't too expensive, you may still wish t...
by investor997
Fri Aug 25, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: 401k "Revenue Credits"
Replies: 1
Views: 257

401k "Revenue Credits"

Hi, My megacorp 401k plan is through Fidelity. According to the SPD, three of the funds offered in the plan offer Revenue Credits: The Plan’s recordkeeper, Fidelity Investments, enters into arrangements with some investment funds, under which the investment fund pays for certain administrative costs...
by investor997
Fri Aug 25, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Move Fidelity ROTH to Vanguard?
Replies: 15
Views: 1224

Re: Move Fidelity ROTH to Vanguard?

If your employer 401k plan is with Fidelity, and it allows you to contribute after-tax dollars and perform in-service rollovers (ie, a Mega Back Door Roth IRA contribution), you may want to keep your Roth IRA at Fidelity. It'll make the rollover part much easier.
by investor997
Wed Aug 23, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: Experience finding gas pump card skimmer?
Replies: 46
Views: 4192

Re: Experience finding gas pump card skimmer?

I got a call from a detective at my hometown police department one day saying my card may have been compromised at a local gas station. He told me there were skimmers installed inside the machine and were in no way visible from the exterior. How did the detective get your phone number? I'm just cur...
by investor997
Wed Aug 23, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Experience finding gas pump card skimmer?
Replies: 46
Views: 4192

Re: Experience finding gas pump card skimmer?

I got a call from a detective at my hometown police department one day saying my card may have been compromised at a local gas station. He told me there were skimmers installed inside the machine and were in no way visible from the exterior. Bottom line: Stick to credit cards. They cover the liabili...
by investor997
Fri Aug 18, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking further Roth IRA explanation.
Replies: 17
Views: 1075

Re: Seeking further Roth IRA explanation.

Take a look at Schwab for the Roth IRA. They have a bunch of index mutual funds with no minimums. You can start investing at dollar one rather than wait to build up $1K or $3K.
by investor997
Fri Aug 18, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1642

Re: How do you know how much your portfolio lost/gain in one day?

I maintain a portfolio tracker spreadsheet at Google Sheets. They have real-time quote capability built-in, so it's easy to track daily changes. ETFs are updated instantly; Mutual Funds usually update later in the day, maybe 4 or 5 hours after market close.
by investor997
Fri Aug 18, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth IRA - what to do with gains?
Replies: 17
Views: 1908

Re: Mega Backdoor Roth IRA - what to do with gains?

To re-open the "standard" back door, I then immediately began a reverse rollover from the new Fidelity Rollover IRA back to my 401k. Could you also just convert the new Fidelity Rollover IRA into a Roth, paying taxes on the (likely minuscule) gains? Yep, and this is what I'll probably do in the fut...
by investor997
Thu Aug 17, 2017 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: TLH between VTSAX and SCHB
Replies: 13
Views: 895

Re: TLH between VTSAX and SCHB

I used to be with Betterment. They used SCHB as a TLH pair to VTI. They also used SCHF as a TLH pair to VEA.
by investor997
Thu Aug 17, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth IRA - what to do with gains?
Replies: 17
Views: 1908

Re: Mega Backdoor Roth IRA - what to do with gains?

I just had Fidelity (my 401k provider) perform a mega backdoor Roth for me. My Roth IRA is at Scottrade. For the after-tax portion of the rollover, I had Fidelity issue a check payable to Scottrade FBO me. For the pre-tax earnings, I instructed Fidelity to open a new Rollover IRA and deposit the fun...
by investor997
Wed Aug 16, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 7118

Re: How does personal wealth affect job hunting?

investor997, IMHO, basing your retirement on income replacement is flatly wrong. The correct way is to look at the investment portfolio as a multiple of your current expense and/or retirement expense. <<For example, if I were to receive a 3% pay increase each year for the next 15 years - which does...
by investor997
Tue Aug 15, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 7118

Re: How does personal wealth affect job hunting?

This is an interesting thread. I think we all reach a point in life where our salaries eventually have a smaller day-to-day impact on the growth of our net worth as compared to what we earn from our investment portfolios. I'm not certain where that exact point is, but for me, I think I'm getting clo...
by investor997
Thu Aug 03, 2017 12:51 am
Forum: Personal Consumer Issues
Topic: Startup vs big company (financial equity at stake)
Replies: 57
Views: 3668

Re: Startup vs big company (financial equity at stake)

Every time I read one of the Bay Area housing threads that pop up here I always think people who move there willingly are insane, but then I come across other threads like this one that make me think, "Gawd, they pay a ton of money up there, maybe I should move back..." I've done two startups in pre...
by investor997
Fri Jul 28, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Use Guest wifi for thermostat, Roku, etc.
Replies: 28
Views: 2973

Re: Use Guest wifi for thermostat, Roku, etc.

Is this a hardware specific implementation or will router firmware (either proprietary or open source like DDWRT) handle VLAN implementation? I use DD-WRT running on a Netgear AC1450 and I have VLANs implemented. I admit it wasn't easy to set up. The main reason I did it was because the one IoT dev...
by investor997
Tue Jul 25, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Use Guest wifi for thermostat, Roku, etc.
Replies: 28
Views: 2973

Re: Use Guest wifi for thermostat, Roku, etc.

What am I guarding against? The unknown. :happy The real risk is that IoT devices such as thermostats can act as trojan horses. If someone hacks into your thermostat, they now have a gateway into your entire home network, exposing all of your laptops/desktops/NAS storage devices/etc. to who knows w...
by investor997
Tue Jul 25, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: Use Guest wifi for thermostat, Roku, etc.
Replies: 28
Views: 2973

Re: Use Guest wifi for thermostat, Roku, etc.

Do it for any device that doesn't need network sharing access with your more sensitive network machines (personal laptops, desktops, NAS devices, etc.).

If you never use your Roku to play media files stored on a local network, then it's probably better off being on guest Wi-Fi.
by investor997
Tue Jul 25, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Is a kamado grill/smoker worth it?
Replies: 28
Views: 3088

Re: Is a kamado grill/smoker worth it?

If I was going to spend that much on a grill, I'd look into a wood pellet smoker like the Daniel Boone from Green Mountain Grills. Two of my coworkers have them and they swear by them. Temperature is controlled via feedback loop. Truly set and forget. Brisket/pulled pork/whatever comes out perfectly...
by investor997
Tue Jul 25, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: WiFi Thermostat?
Replies: 59
Views: 3978

Re: WiFi Thermostat?

As with any other IoT device, be cautious of security. If your router has a Guest network option, enable it and use that network to connect your thermostat to the Internet.
by investor997
Tue Jul 25, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth IRA Pro-Rata Question
Replies: 5
Views: 513

Re: Mega Backdoor Roth IRA Pro-Rata Question

If you do decide to roll the pre-tax earnings into a TIRA, I suggest opening a new TIRA specifically for this purpose such that it's called a Rollover (or conduit) IRA. In my case, I choose to roll the pre-tax earnings *back* into my employer 401k to keep my TIRA slate "clean". This is to keep the s...