Search found 1253 matches

by deltaneutral83
Tue Oct 15, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 68
Views: 3897

Re: Frustrated with dentist fees

90 second solution: Call Dentist, speak to office manager, tell them to review your insurance and to make a note in your file that you do NOT want any services not covered by insurance (i.e. you do not want anything other than the cleaning and the X rays). Ask to speak directly to the dentist and ex...
by deltaneutral83
Thu Oct 10, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Disadvantages of a bank signup bonus
Replies: 46
Views: 4023

Re: Disadvantages of a bank signup bonus

I'm not sure what the actionable part of identity theft is in these circumstances. Once you open an account they have your info for life i imagine. So if you ride the wheel around to the same 4 or 5 brokerages for a few years then are you really giving a new institution your info? When you get a new...
by deltaneutral83
Thu Oct 10, 2019 10:31 am
Forum: Personal Investments
Topic: Advantages to Rolling 401k to IRA
Replies: 4
Views: 338

Re: Advantages to Rolling 401k to IRA

Ability to do Backdoor Roth IRA in conjunction with Rollover/Traditional IRA on a pro rata basis. Also, creditors can't touch 401(k), it is state specific on IRA's and the waters are muddier.
by deltaneutral83
Fri Oct 04, 2019 3:17 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades
Replies: 49
Views: 5022

Re: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades

Is there still going to be a short term trading fee? Can anyone confirm this fee is no longer in play? I am referring to the fee for selling, within 30 days of purchase, shares of the commission-free ETFs. Thanks. Still see a $13.90 fee. See https://www.tdameritrade.com/pricing/brokerage-fees.page ...
by deltaneutral83
Fri Oct 04, 2019 8:38 am
Forum: Investing - Theory, News & General
Topic: If all brokerages charged zero commission for trades, which brokerage would you pick?
Replies: 75
Views: 6226

Re: If all brokerages charged zero commission for trades, which brokerage would you pick?

One thing I've noticed is that with TDA, when I sell an ETF, the partial shares are liquidated within a day and at Merrill, it takes them a few weeks. Wonder what that's all about? Example, I just swapped my SPTM for VTI at TDA in my HSA yesterday and the partial share liquidation has already occurr...
by deltaneutral83
Thu Oct 03, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: [When my children marry, should they sign a pre-nuptial agreement?]
Replies: 95
Views: 7468

Re: Daddy I'm engaged! Pre-nup?

I read recently that parents should consider having their engaged kids sign a prenup and should have this discussion before they are even in a serious relationship. Any thoughts or experience on the matter? Thanks so much! I believe a prenup is an excellent idea, especially for the wealthier member...
by deltaneutral83
Thu Oct 03, 2019 9:22 am
Forum: Investing - Theory, News & General
Topic: If all brokerages charged zero commission for trades, which brokerage would you pick?
Replies: 75
Views: 6226

Re: If all brokerages charged zero commission for trades, which brokerage would you pick?

Guess you got your wish, or at least part of it. Yep, already swapped out my SPTM for VTI in my HSA. sticking with merrill edge myself. 2.625% minimum, up to 5.25% cash back on credit cards is too good to pass up. Who says you can't have both and just keep some VTI at Merrill to hit the amount need...
by deltaneutral83
Wed Oct 02, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Recourse for "Stolen" Money
Replies: 93
Views: 7511

Re: Recourse for "Stolen" Money

With the obvious caveat that 99.99% of Western Union scenarios are a scam, there are also counterfeit tickets that can look similar to real tickets if you meet up face to face for many popular concerts as the design is easy to knock off. In this case, OP was scammed, and this is a $200 loss, a cheap...
by deltaneutral83
Tue Oct 01, 2019 4:00 pm
Forum: Investing - Theory, News & General
Topic: If all brokerages charged zero commission for trades, which brokerage would you pick?
Replies: 75
Views: 6226

Re: If all brokerages charged zero commission for trades, which brokerage would you pick?

If TDA were to let me trade ETF's commission free with a healthy transfer bonus I'd be there tomorrow. Love their interface and some of their tools. ME is the only brokerage that I know of that let's you trade commission free of any and all ETF's.
by deltaneutral83
Tue Oct 01, 2019 10:45 am
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 80
Views: 6895

Re: American Funds vs Vanguard

The funds that get touted a lot are AGTHX and AIVSX and are large cap domestics primarily, obviously the growth fund is growth focused (AGTHX) which has modestly underperformed the S&P on a ten year time frame and modestly out performed on a 15 year frame...at the NAV, website wouldn't let me bake i...
by deltaneutral83
Mon Sep 30, 2019 2:23 pm
Forum: Personal Investments
Topic: Approximate Total Stock Market - 457b PDSIX and DISSX
Replies: 7
Views: 445

Re: Approximate Total Stock Market - 457b PDSIX and DISSX

She goes 100% in the S&P, you go 90% TSM and 10% Small caps. Gets you very close to an overall allocation to the TSM for the lowest available ER. I should only go 10%, not 20%? The RSP Small Stock index in my 401k is a Morningstar Mid-Cap blend that indexes the Russell Small Cap Completeness Index....
by deltaneutral83
Fri Sep 27, 2019 1:47 pm
Forum: Personal Investments
Topic: Approximate Total Stock Market - 457b PDSIX and DISSX
Replies: 7
Views: 445

Re: Approximate Total Stock Market - 457b PDSIX and DISSX

You can look at it more of as a total portfolio between the two of you and load up on the S&P fund in hers and balance out in yours. Her small cap ER is 51 bps and yours is between 3 and 4. No need to get in the weeds and have every account match the overall portfolio AA. She goes 100% in the S&P, y...
by deltaneutral83
Wed Sep 25, 2019 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: What is considered credit card debt - Mortgage Qualification
Replies: 8
Views: 515

Re: What is considered credit card debt - Mortgage Qualification

Just say zero if you don't carry a balance. The bank will pull a credit report and see the balances. In my experience, it doesn't have an impact if your utilization is low and it's not significant to your DTI. Unless you put something like 5 figures of company expenditures on your personal card (th...
by deltaneutral83
Wed Sep 25, 2019 10:59 am
Forum: Personal Investments
Topic: New job 401K rollover & investments
Replies: 9
Views: 509

Re: New job 401K rollover & investments

Whenever I leave a job, I always look at it as a positive that I can roll out out of the old company’s 401k into my Vanguard IRA account. I have never had a job with a 401k that comes close to matching Vanguard’s low expenses. If you haven’t already, you may want to check out opening an IRA at Vang...
by deltaneutral83
Mon Sep 23, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Credit Card Points - Best options?
Replies: 29
Views: 2141

Re: Credit Card Points - Best options?

I like the BofA suite of cards for someone looking to maximize cash back, however this requires you keep $100k with them in one of a variety of ways, most notably for BH would be to store $100k worth of ETF's with them and call it a day. 3.5% back at dining/travel, 2.625% everywhere else. Straight a...
by deltaneutral83
Mon Sep 23, 2019 12:53 pm
Forum: Personal Investments
Topic: Coming to the realization that Traditional is probably wiser
Replies: 42
Views: 6672

Re: Coming to the realization that Traditional is probably wiser

deltaneutral83, <<How does one know OP won't be at or higher tax bracket for the next 35 consecutive years?>> This is a good thing. How do you know that OP will not be unemployed next year while we are in a recession? That is riskier and more dangerous to OP. In that case, is (A) or (B) better? OP ...
by deltaneutral83
Mon Sep 23, 2019 11:06 am
Forum: Investing - Theory, News & General
Topic: American Funds Propaganda. Help me understand.
Replies: 45
Views: 5412

Re: American Funds Propaganda. Help me understand.

American Funds aren't bad at all, one could do a lot worse. The killer is the idea of paying someone nearly 6% load on every buy. That's revolting. Over a 35 year investing career, 1% AUM a year would be substantially worse than 5.75% (on the first $100k of American Funds, then the load decreases) ...
by deltaneutral83
Mon Sep 23, 2019 10:44 am
Forum: Personal Investments
Topic: Coming to the realization that Traditional is probably wiser
Replies: 42
Views: 6672

Re: Coming to the realization that Traditional is probably wiser

deltaneutral83, << paying the rest on student loan debt at 5.8% has to make sense? >> How does paying 28+% taxes in order to pay off a 5.8% debt makes any senses? OP should contribute to the max that he can afford to the tax-deferred accounts and use the tax savings to pay off the 5.8% debt. Let's ...
by deltaneutral83
Mon Sep 23, 2019 10:26 am
Forum: Personal Investments
Topic: Coming to the realization that Traditional is probably wiser
Replies: 42
Views: 6672

Re: Coming to the realization that Traditional is probably wiser

Psychologically you might feel worse if you contribute into a retirement account and we have a serious market downturn while your debt stays the same. Some might call this a form of market timing, but behavioral mistakes happen all the time and a downturn could make you regret not paying down the d...
by deltaneutral83
Mon Sep 23, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: car insurance for one car costs more than for two cars
Replies: 5
Views: 456

Re: car insurance for one car costs more than for two cars

This is not unusual. We're in this boat except we have not sold off the cheap car. My youngest is 19 and has only had his license for 3 months. He is the primary driver on our oldest car, a 10 year old Ford Fusion with only liability . It costs $1316 a year for this insurance because he's the bigge...
by deltaneutral83
Fri Sep 20, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Making Psychological Shift to High Deductibles, Funded HSA
Replies: 30
Views: 1958

Re: Making Psychological Shift to High Deductibles, Funded HSA

There seems to be a misconception about HDHP/PPO plans in that people assume HDHP have higher costs when many if not all of the plans I've seen have lower premiums and lower out of pocket max for the HDHP while the PPO generally have lower deducts. The OOP max is much more important to me because on...
by deltaneutral83
Tue Sep 17, 2019 10:10 am
Forum: Personal Investments
Topic: Is private wealth management worth it?
Replies: 47
Views: 5853

Re: Is private wealth management worth it?

I would imagine a top of the line CPA and estate planning attorney is much more of a priority than a money guy for BH who knows the basics and knows a lot about business as OP obviously does. Haven't heard the age or annual expenses of the OP, but this 20 will be 50 in 15-18 years if AA was at least...
by deltaneutral83
Sun Sep 15, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance vs Permanent Life
Replies: 26
Views: 1605

Re: Term Life Insurance vs Permanent Life

We just had a second set of kiddos ten years apart and wish we had gone with the 30 year term 13 years ago. Now neither of us qualify for the premium rates. We should be self insured by then but looking back it would have been easier. I don't understand. The premiums you saved and invested in say a...
by deltaneutral83
Thu Sep 12, 2019 8:07 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 264
Views: 28608

Re: Small Cap Value Heads: A Lesson Learned.

For your information: http://news.morningstar.com/index/indexReturn.html Best wishes. Taylor I may be missing the context, but that link has 5 years as the furthest time period out. No one who looks to any tilt of any kind expects out performance each and every five year period, if so, one would ha...
by deltaneutral83
Wed Sep 11, 2019 3:58 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 264
Views: 28608

Re: Small Cap Value Heads: A Lesson Learned.

Small Cap Value investors have endured a long and painful period of under-performance. I am happy to see that the tide may be turning. It has been 2.75 years, a mere snap of the fingers in investing? The lesson is clear : It is dangerous to bet on one corner of the stock market. I am not sure it ha...
by deltaneutral83
Wed Sep 11, 2019 2:14 pm
Forum: Investing - Theory, News & General
Topic: Tell me again why nav and spread isn’t a big deal for etfs
Replies: 18
Views: 1281

Re: Tell me again why nav and spread isn’t a big deal for etfs

Okay I know I said I have been settled on the issue of NAV but another poster brought up a good point If I can convert admiral shares to ETFs why would any ever buy the ETF if its trading at a premium? You pay more money for literally the same exact product. Most BH don't bother with ETF's with wid...
by deltaneutral83
Wed Sep 11, 2019 7:58 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 264
Views: 28608

Re: Small Cap Value heads Rejoice !!!

Glad I hold IJS/VIOV instead of VBR. I'm up 1.73%. Now if you'll excuse me, I'm going to go research which Maserati I want to buy. With the corresponding ER's of 15/20/25 bps on SLYV/VIOV/IJS, I'm curious if more tilters don't choose SLYV at least in a non taxable event? VIOV has wider spreads in m...
by deltaneutral83
Mon Sep 09, 2019 2:52 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 264
Views: 28608

Re: Small Cap Value heads Rejoice !!!

People are really all over this 2.75 year route on SCV. There have been plenty of 5+ year periods of under performance. I haven't seen one piece of new information that should swing either party to the other side. Quoting a 3-5 year time frame when it's up and then the other side howling at the moon...
by deltaneutral83
Mon Sep 09, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: "Warren Buffett's Investing Plan for His Family: Why It's a Good Plan for Your Family, Too"
Replies: 78
Views: 8106

Re: "Warren Buffett's Investing Plan for His Family: Why It's a Good Plan for Your Family, Too"

In the accumulation years, a 90/10 portfolio, while more aggressive than I like and non-diversified internationally, doesn't sound like a terrible plan. Beyond that context, the idea of a one-size fits all portfolio seems bad. I have trouble believing Mr Buffett has a good grasp -- no matter his in...
by deltaneutral83
Mon Sep 09, 2019 10:36 am
Forum: Investing - Theory, News & General
Topic: "Warren Buffett's Investing Plan for His Family: Why It's a Good Plan for Your Family, Too"
Replies: 78
Views: 8106

Re: "Warren Buffett's Investing Plan for His Family: Why It's a Good Plan for Your Family, Too"

My personal view is that if someone is planning on 2% or lower withdrawals (for whatever reason), a logical argument could be made for them to be 100% stock, assuming that their risk tolerance would allow for it. But a logical argument could also be made for them to be 100% fixed income. When your ...
by deltaneutral83
Mon Sep 09, 2019 10:14 am
Forum: Investing - Theory, News & General
Topic: "Warren Buffett's Investing Plan for His Family: Why It's a Good Plan for Your Family, Too"
Replies: 78
Views: 8106

Re: "Warren Buffett's Investing Plan for His Family: Why It's a Good Plan for Your Family, Too"

90/10 all the way down to 50/50, it doesn't really matter, it's the same thing preached here in the 3F more or less. Buffet doesn't recommend 90/10 for people with less than 50x expenses I wouldn't guess.
by deltaneutral83
Fri Sep 06, 2019 12:34 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 14662

Re: Best of Bogleheads - your #1 takeaway

-Determine your risk tolerance and be conservative in the initial assessment. Add 10% more bonds than you think you need, and re adjust after your first bear market when the cat is out of the bag
- Simplicity and have no ego
-Nobody knows Nothing
-Drive a 14 year old Corolla
by deltaneutral83
Thu Sep 05, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: Wedding/Engagement Ring Insurance
Replies: 64
Views: 3822

Re: Wedding/Engagement Ring Insurance

Look into a rider on your homeowners policy. Insurance for my ring is less than $100/year. Does it cover damage, lost, theft, domestic and foreign? My premium was 1.14% of the value with a $1k deduc through JM. I am thinking about calling homeowners at the end of the cycle if this is the case on ho...
by deltaneutral83
Thu Aug 29, 2019 1:43 pm
Forum: Personal Investments
Topic: Replicate VT in 401k too expensive?
Replies: 16
Views: 474

Re: Replicate VT in 401k too expensive?

I'd do the S&P Fund and balance out in another account, preferably taxable on any international allocation to get the foreign tax credit.
by deltaneutral83
Thu Aug 29, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: [Pay student loans early or invest?]
Replies: 21
Views: 851

Re: [Pay student loans early or invest?]

I'd be much more inclined to take a 3.94% guaranteed rate of return when net worth is less than 5x expenses or so. Once assets are built up a little, I'd reconsider this scenario.
by deltaneutral83
Thu Aug 29, 2019 9:58 am
Forum: Personal Investments
Topic: Why own individual stocks?
Replies: 103
Views: 12258

Re: Why own individual stocks?

All have done very well for me. I lost big bets on DNDN and RMBS. There's a few losers in there, but overall I have beaten the market... but beaten the market with about 10% of my overall investment dollars. I wouldn't place 100% of my money in individual stocks. 5-10 picks a year isn't really enou...
by deltaneutral83
Wed Aug 28, 2019 12:18 pm
Forum: Personal Investments
Topic: Mer. Lynch Buddy ... Bonds in Tax Account ... Stocks Only
Replies: 24
Views: 1677

Re: Mer. Lynch Buddy ... Bonds in Tax Account ... Stocks Only

There is nothing in the OP that overcomes 1% AUM. Absolutely nothing. And individual stock picking by dropping the "laggards" LOL. Good luck stock picking, no one ever talks about their losers.
by deltaneutral83
Tue Aug 27, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Billing Dispute/High Spender/WWYD - RESOLVED
Replies: 36
Views: 4161

Re: Credit Card Billing Dispute/High Spender/WWYD

Wait for their ruling before making a move. It takes a while.
by deltaneutral83
Thu Aug 22, 2019 3:53 pm
Forum: Personal Investments
Topic: ETF's with DRIP and bid/ask spread
Replies: 4
Views: 690

Re: ETF's with DRIP and bid/ask spread

I liked that article as well. I think the biggest issue with ETF DRIP is that dividends are reinvested at market open, when spreads are high, thereby increasing costs. However, for taxable investors with ongoing tax loss harvesting, I think ETFs are OK because you don’t want to automatically reinve...
by deltaneutral83
Wed Aug 21, 2019 7:33 am
Forum: Personal Investments
Topic: Turn off auto-reinvest dividends?
Replies: 17
Views: 1864

Re: Turn off auto-reinvest dividends?

I've used auto-reinvest to maintain asset allocation "balance"-----sometimes redirecting funds from domestic to international, sometimes taking the cash in order to refill my "cash bucket," which I consider to be part of my allocation. How do you auto-reinvest from one fund to the other to maintain...
by deltaneutral83
Tue Aug 20, 2019 7:52 am
Forum: Investing - Theory, News & General
Topic: Confused, bummed, and concerned
Replies: 74
Views: 10605

Re: Confused, bummed, and concerned

OP, if you are in your early 20's and take care of business and stay away from consumer debt the return of the market in your 3F will not be an issue when you're 60 if you invest early and often. If things don't work out for you that will be the case for the other 95% of the country too which could ...
by deltaneutral83
Thu Aug 15, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: $34 per year to reduce auto deductible by $500
Replies: 31
Views: 2395

Re: $34 per year to reduce auto deductible by $500

If you can come with a grand no sweat then the odds are you will be better off to stick with the higher Ded. Ins. company makes money on the larger pool of people with lower Ded, else they'd have to close their doors. I can get on board with a lower "other than collision" Ded. as that part we have v...
by deltaneutral83
Thu Aug 15, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Net-worth rule of thumb for house purchase?
Replies: 123
Views: 6048

Re: Net-worth rule of thumb for house purchase?

Reality check time. No offense but that sounds completely unrealistic and unreasonable for 99.999% of home buyers. Most first time home buyers (that don't run into financial trouble/foreclosure) can't even afford 20% down There are 13,000 millionaire households in this country so at least for them ...
by deltaneutral83
Wed Aug 14, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 247
Views: 6389

Re: Does anyone here have no credit cards? How is that working out for you? Do you have any trouble without them?

fyre4ce wrote:
Wed Aug 14, 2019 2:39 pm
Geez. Just curious, but how much do you charge per year? At 2%, that would be $250k of annual charges.
Sign up bonuses
by deltaneutral83
Wed Aug 14, 2019 7:42 am
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 247
Views: 6389

Re: Does anyone here have no credit cards? How is that working out for you? Do you have any trouble without them?

I did not like the nauseating feeling of seeing everything we spent twice - once at time of purchase and once at time of credit card bill. It didn’t work for me, personally, even though I had a card with rewards for many years. I’m happier without it. Husband likes the simplicity of it, and we’re n...
by deltaneutral83
Tue Aug 13, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 247
Views: 6389

Re: Does anyone here have no credit cards? How is that working out for you? Do you have any trouble without them?

80% of people shouldn't go near a credit card. 10% probably should stay away for the most part but it won't hinder them too much (couple hundred in interest here and there over the years). The last 10% use them responsibly and take vacations on the dime of the first 80% (or cashback). There's a reas...
by deltaneutral83
Tue Aug 13, 2019 8:43 am
Forum: Personal Investments
Topic: Can having wealthy parents be a justification for a more aggressive investment strategy?
Replies: 97
Views: 7435

Re: Can having wealthy parents be a justification for a more aggressive investment strategy?

I'm not directing this at you specifically (or you alone) but either people aren't reading my post or, perhaps more likely, I did a poor job of wording it. We live below our means and are saving for retirement. I'm not looking for an excuse to stop saving or start spending more than we should. I'm ...
by deltaneutral83
Tue Aug 13, 2019 8:21 am
Forum: Personal Investments
Topic: Can having wealthy parents be a justification for a more aggressive investment strategy?
Replies: 97
Views: 7435

Re: Can having wealthy parents be a justification for a more aggressive investment strategy?

If you do anything in life with the expectation that your parents will bail you out if something goes wrong you still have some growing up to do. Many, many entrepreneurs come from upper middle class or above backgrounds and can afford to spread some seed money in different endeavors hoping for som...
by deltaneutral83
Mon Aug 12, 2019 8:00 am
Forum: Personal Investments
Topic: Student loan debt vs. VTSAX
Replies: 36
Views: 2589

Re: Student loan debt vs. VTSAX

I respect this view about what the future may hold, and I agree that paying off the debt would be a responsible financial move. But it's not clear to me that this is "an absolute no brainer." It seems to me if you neglect to pay down a loan at 6% for "X" amount of money to invest in equities then y...