Search found 382 matches

by GmanJeff
Fri May 24, 2019 8:52 am
Forum: Personal Investments
Topic: Vanguard "advisors" vs. "Self-managed" accts
Replies: 8
Views: 818

Re: Vanguard "advisors" vs. "Self-managed" accts

There are plenty of threads on this forum about PAS, just use the search function.
by GmanJeff
Wed May 22, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Senior management/executives
Replies: 49
Views: 3446

Re: Senior management/executives

If you're with a large company, I'd suggest reporting to Security, Legal, or HR, depending on the nature of the quid pro quo. Security is usually best equipped to investigate, and will often bring in Legal and HR as required, but those departments have different levels of "pull" , competence, and ca...
by GmanJeff
Tue May 21, 2019 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when you have enough?
Replies: 31
Views: 3873

Re: What to do when you have enough?

It sounds like she's asking why you counselled her to not touch the principal, and is not asking for advice on what to spend it on. While there are potential advantages to not using principal, it's likely not necessary to be so Draconian unless there is a specific ambition to leave behind the princi...
by GmanJeff
Tue May 14, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Dental discount for senior recommendations
Replies: 21
Views: 1725

Re: Dental discount for senior recommendations

Aetna has a discount program which may be helpful. It typically results in discounts of around 50% of what fees would be otherwise, but you do have to use a participating dental practice.

https://www.vitalsavings.com/
by GmanJeff
Tue May 14, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: Booking a cruise - any differences in how/where?
Replies: 37
Views: 3312

Re: Booking a cruise - any differences in how/where?

If you peruse cruisecritic.com, you'll see postings which observe that different travel agencies provide different benefits to customers. This typically takes the form of a rebate on the fare and/or a shipboard credit. Amounts vary, and cruisecritic.com does not permit discussion of specific agencie...
by GmanJeff
Tue May 14, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3118

Re: Police and Troopers fund.

This doesn't sound like a legitimate charity. Charity Navigator, mentioned by others, can help you distinguish wheat from chaff when it comes to charities of all types. A legitimate charity which functions in the law enforcement space is Concerns of Police Survivors (COPS): https://www.concernsofpol...
by GmanJeff
Mon May 13, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Careers in art
Replies: 91
Views: 4688

Re: Careers in art

I'd say it depends what she has in mind to do professionally. While I agree with those who say university ought not be exclusively vocational training, it probably is irresponsible to give no thought to how one's studies will translate into some kind of professionally rewarding post-college career. ...
by GmanJeff
Mon May 13, 2019 12:48 pm
Forum: Personal Investments
Topic: Retirement Planning without Social Security
Replies: 2
Views: 577

Re: Retirement Planning without Social Security

You can use the Windfall Elimination Provision calculator to see what your SS would be for a given number of years of work at given annual income levels. You could then work backwards from the monthly predicted income to calculate the amount of principal you'd need in order to generate that monthly ...
by GmanJeff
Thu May 09, 2019 2:50 pm
Forum: Personal Investments
Topic: Does anyone use Vanguard advisors?
Replies: 7
Views: 896

Re: Does anyone use Vanguard advisors?

There are many discussions of this topic in this forum. The search function can give you access to them. Use the search terms "PAS" and "Personal Advisor Services", and keep in mind that sometimes the people who post the most emphatic opinions in response to such threads also admittedly have no pers...
by GmanJeff
Tue May 07, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: House selling - modern norms
Replies: 36
Views: 5019

Re: House selling - modern norms

I'd begin by identifying the three most successful real estate agents in your area, and would ask them each for how they would propose marketing the home and for their advice about the cost/benefit of repairs/updating which may have a positive impact on how quickly and for what price the home will s...
by GmanJeff
Sun May 05, 2019 7:32 am
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 75
Views: 10308

Re: Rolex

I see posts like this from time to time. I have a question if some of those more knowledgeable wouldn’t mind. I have a quite fancy gold Rolex I inherited - absolutely fancier than my style but I feel I should keep and if I don’t wear, pass on. Believe my father got it used with no documentation man...
by GmanJeff
Sat May 04, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 10854

Re: Rarely used items that are worth having?

An automated external defibrillator.
by GmanJeff
Fri May 03, 2019 2:39 pm
Forum: Personal Investments
Topic: Should I Continue Using Vanguard Personal Service Advisor?
Replies: 10
Views: 1435

Re: Should I Continue Using Vanguard Personal Service Advisor?

Part of the value proposition is the quarterly reviews and the ready access to your advisor whenever you have questions. The periodic reviews are meant to help ensure that changes in your circumstances are considered in updates to your financial plan, and that your asset allocation is adjusted accor...
by GmanJeff
Thu May 02, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Areas similar to Jungfrau region in terms of transportation
Replies: 23
Views: 1543

Re: Areas similar to Jungfrau region in terms of transportation

Switzerland is generally incomparable for safety, cleanliness, punctuality, reliable and extensive highly developed infrastructure and scenic beauty. Within Switzerland, Interlaken, Zermatt, St. Moritz, and Gstaad may also appeal to you. Other Alpine areas to consider might include Northern Italy an...
by GmanJeff
Thu May 02, 2019 3:26 pm
Forum: Personal Investments
Topic: Vanguard Financial Plan
Replies: 20
Views: 3064

Re: Vanguard Financial Plan

Here is how Vanguard describes their planning methodology for plans supporting PAS clients. I do not know if the same methodology is used to generate plans for other customers: "How we calculate these projections The percentage listed for your likelihood of success reflects our projection of the lik...
by GmanJeff
Wed May 01, 2019 12:22 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisor Services
Replies: 38
Views: 4575

Re: Vanguard Personal Advisor Services

Is the PAS advisor more available when you call than an assigned Flagship Rep? Do you get a voicemail with a PAS rep or have to schedule online to talk? Does the PAS make the assigned Flagship Rep superfluous? I never call directly, because I prefer a scheduled call for both of us. By scheduling a ...
by GmanJeff
Wed May 01, 2019 12:05 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisor Services
Replies: 38
Views: 4575

Re: Vanguard Personal Advisor Services

Between my wife and I, we have five accounts at Vanguard (2x IRA, 2x Roth, plus Non-retirement). Does anyone know if VPAS will manage allocation across accounts, or will it implement the same "4 fund portfolio" in each of the accounts? Also, right now I have a 9-fund portfolio (I know, I know; it's...
by GmanJeff
Wed May 01, 2019 11:57 am
Forum: Personal Investments
Topic: Vanguard Personal Advisor Services
Replies: 38
Views: 4575

Re: Vanguard Personal Advisor Services

If Vanguard PAS rep has “1100” clients and is rushing you through a phone call and you will probably have a new rep every 2-3 years, what is the point of PAS? Do you have a reliable data source to support your assertions? In my experience, admittedly a sample size of 1, my advisor has never changed...
by GmanJeff
Mon Apr 29, 2019 5:50 pm
Forum: Personal Investments
Topic: Vanguard Investment Advice
Replies: 11
Views: 1071

Re: Vanguard Investment Advice

Unfortunately, I think some folks have a hard time developing this connection with an anonymous (constantly rotating) advisor that only communicates via phone. [/quote] I have always had the same PAS advisor, and the same Flagship rep. We communicate by email through the Vanguard platform, by telep...
by GmanJeff
Mon Apr 29, 2019 3:41 pm
Forum: Personal Investments
Topic: Vanguard Investment Advice
Replies: 11
Views: 1071

Re: Vanguard Investment Advice

If you use the search function for "PAS" you will find a lot of past discussion around the service, which is more than just an asset allocation and rebalancing tool, despite it frequently being mis-characterized as such in posts by people who have no experience with it. In this archive are posts dis...
by GmanJeff
Wed Apr 24, 2019 7:01 pm
Forum: Personal Investments
Topic: Vanguard Flagship Select Representative ??
Replies: 31
Views: 2602

Re: Vanguard Flagship Select Representative ??

I wonder how many of you are using Flagship reps to answer questions that can be answered here on Bogleheads? Bump. I do. While I find this forum entertaining, and it sometimes prompts me to do further research on my own, I would never make financial or investment decisions based solely or primaril...
by GmanJeff
Wed Apr 24, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Single Family House - aging in place challenges
Replies: 47
Views: 2639

Re: Single Family House - aging in place challenges

For various reasons, we really prefer to stay in this jurisdiction. A single floor rambler or ranch style house would be the best for us going forward, but there are very, very few of these here. There are a lot in the outer suburbs, but we don't want to go there. "Apartment" (whether condo or rent...
by GmanJeff
Wed Apr 24, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 16826

Re: Whats the Point of Climbing the Corporate Ladder?

Don't discount the $. I suspect that many employees in large corporations have no idea how much money the senior executives make, and not just the top 2 or 3 people in the company, but at the SVP and EVP level. With equity, bonuses, executive stock purchase programs and other perks, the total annual...
by GmanJeff
Tue Apr 23, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: Nonfinancial value of state university vs private college (USC)?
Replies: 64
Views: 2957

Re: Nonfinancial value of state university vs private college (USC)?

USC is more prestigious, but is still not in the same tier as a Ivy. If your son plans to go to grad school, where he goes for that will be more important in terms of post-doctoral work and subsequent employment than where he went for his undergraduate education. On the other hand, if your son truly...
by GmanJeff
Tue Apr 23, 2019 5:03 pm
Forum: Personal Consumer Issues
Topic: Single Family House - aging in place challenges
Replies: 47
Views: 2639

Re: Single Family House - aging in place challenges

Many people want to age in place, but that may not always be practical or even the best option. Relocating to a more suitable environment at an age when doing so would be less difficult physically and emotionally than it will be in the future might be worth starting to think about. I mostly agree, ...
by GmanJeff
Tue Apr 23, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: Single Family House - aging in place challenges
Replies: 47
Views: 2639

Re: Single Family House - aging in place challenges

While it's possible to make a house safer and easier to use for people with physical limitations, many modifications will impair the home's resale appeal, which may or may not be a consideration for you. Some desirable modifications may simply be impractical in a given house, such as adding an eleva...
by GmanJeff
Tue Apr 23, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4068

Re: Tips for getting the most out of your cruise?

Thanks for posting all that great info! I suppose there's much that might not apply if one "does not" drink (alcohol) because so much seems to revolve around that. Also paying for that "inclusive" but not using it. I like your suggestions to research different cruise experiences. Is it a given that...
by GmanJeff
Sun Apr 21, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4068

Re: Tips for getting the most out of your cruise?

Cancel is my best tip - even the high end cruises pale in comparison a non-cruised based itinerary. Another troll, apparently. This is inapposite. Cruises are inherently a different experience from other forms of vacation, and they vary as widely in cost and character as do other types of recreatio...
by GmanJeff
Sun Apr 21, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4068

Re: Tips for getting the most out of your cruise?

Cancel is my best tip - even the high end cruises pale in comparison a non-cruised based itinerary. Another troll, apparently. This is inapposite. Cruises are inherently a different experience from other forms of vacation, and they vary as widely in cost and character as do other types of recreatio...
by GmanJeff
Sun Apr 21, 2019 7:42 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4068

Re: Tips for getting the most out of your cruise?

Managing expectations is key. Cruise lines cater to specific types of customers, and you'll benefit from aligning your preferences to what a given line and ship offer. Large mass-market ships attract a different clientele than do the so-called 6-star small ship lines, and the entertainment, dining, ...
by GmanJeff
Sun Apr 21, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: corporate conference - seeking help
Replies: 9
Views: 778

Re: corporate conference - seeking help

This is going to come across as more snarky than I intend. If you’re asking people to do more and more with less and less, the first thing I’d think of if I were invited to a conference would be, “couldn’t you think of a better use of the limited resources than a conference?” I attended many “off s...
by GmanJeff
Sat Apr 20, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Advice on non warrantable condo in Bellingham
Replies: 17
Views: 1470

Re: Advice on non warrantable condo in Bellingham

This situation is fraught with issues. Why not buy something else, instead? Surely this cannot be the only attractive place to live in that area. A single-family home, a townhouse, or a condo in a much larger and more fiscally secure community which cannot be dominated by a single special interest a...
by GmanJeff
Sat Apr 20, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 147
Views: 18444

Re: yes, for us

We plan to get a new car sometime in the next 4 years. We plan to lease. 1. It will be an electric car. Goodbye ICE. 2. Car technology is changing faster than ever. Under these circumstances,leasing makes sense because the car will probably have low residual value and may be hard to sell, due to th...
by GmanJeff
Sat Apr 20, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Air Purifier for Bedroom?
Replies: 14
Views: 1002

Re: Air Purifier for Bedroom?

When I researched them a while ago, this was my pick, although I never actually bought one. https://www.allergybuyersclub.com/iqair-gc-air-purifiers.html I have one in my bedroom - works well, is quiet, but has to be reprogrammed if unplugged. In my experience the filters last a very long time, alt...
by GmanJeff
Sat Apr 20, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: What is the Magic Formula for when One can RETIRE ?
Replies: 26
Views: 4111

Re: What is the Magic Formula for when One can RETIRE ?

Month to month I make $600 every month without having to go to work and I have $50,000 as a cushion. I feel I will be more than comfortable taking 1-5 years off from work but I wondered could it be possible to retire completely ?? 5 years from now, assuming I don't have any vacancy and remain in go...
by GmanJeff
Sat Apr 20, 2019 8:20 am
Forum: Personal Investments
Topic: Vanguard Personal Advisor Services
Replies: 38
Views: 4575

Re: Vanguard Personal Advisor Services

There is often great fear in self managing your investments especially when they start to be larger than you have ever managed on your own. My understanding of PAS is that VG is pretty strict on what funds they will include in the program. I believe the basic 4 or so funds they usually include in t...
by GmanJeff
Fri Apr 19, 2019 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: What is the Magic Formula for when One can RETIRE ?
Replies: 26
Views: 4111

Re: What is the Magic Formula for when One can RETIRE ?

Not quite, because for most people income and expenses have some degree of variability, so the asset base supporting expenses should ideally have some elasticity in the sense of being able to produce more income when required while not materially adversely affecting the portfolio's longevity. The ex...
by GmanJeff
Fri Apr 19, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 4758

Re: How far would you commute?

I'd aim for 30 minutes or less; longer commutes really are wearing. Would there be a possibility of commuting during hours when traffic would be lighter, say starting very early and returning home in the mid-afternoon?
by GmanJeff
Mon Apr 15, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: Is Brooks Brothers Shirts are in sale ?
Replies: 17
Views: 1672

Re: Is Brooks Brothers Shirts are in sale ?

+1 for Tyrwhitt. Good material and tailoring, durable. I feel they are a better value than BB, who also offer a fine product but typically at a higher price point for the more or less equivalent products.
by GmanJeff
Mon Apr 15, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: High powered binoculars recommendations
Replies: 22
Views: 1074

Re: High powered binoculars recommendations

I use 10 X 42 Zeiss Victory binoculars. Their clarity, color fidelity, and resolution are stunning; using them is a pleasure but they are not inexpensive.
by GmanJeff
Mon Apr 15, 2019 8:02 am
Forum: Personal Investments
Topic: My advisor VS Vanguard's PAS
Replies: 70
Views: 4775

Re: My advisor VS Vanguard's PAS

1. When we used them I asked about tax loss harvesting, but they only used average cost for shares rather than specific ID at that time (so I don't know how they can effectively tax loss harvest unless the entire position is at a loss). I don't know if they still use only average cost, but don't re...
by GmanJeff
Mon Apr 15, 2019 7:56 am
Forum: Personal Investments
Topic: My advisor VS Vanguard's PAS
Replies: 70
Views: 4775

Re: My advisor VS Vanguard's PAS

The last time I asked for thoughts on Social Security claiming strategies. I entered the PIA and ages of myself and spouse, our plans on how long to work, etc. The CFP did not seem to have looked at the information and just said spouse should claim as soon as possible. No indication of a calculatio...
by GmanJeff
Sun Apr 14, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9402

Re: Luxury car recommendations?

The Lexus large LS sedans are remarkable luxury cars, although oriented more towards plushness than towards an engaging driving experience. BMW's 5 and 7 series, and Mercedes E and S class sedans offer a bit (or a lot, depending on trim level, and especially in the M and AMG variants, respectively) ...
by GmanJeff
Sun Apr 14, 2019 12:56 pm
Forum: Personal Investments
Topic: My advisor VS Vanguard's PAS
Replies: 70
Views: 4775

Re: My advisor VS Vanguard's PAS

You may want to ask PAS whether they can assist with the types of issues and questions you expect to have. Several of the responses you have received here appear to indicate PAS would not be helpful with those, but I would expect otherwise. PAS advisors manage portfolios, but also provide financial...
by GmanJeff
Sat Apr 13, 2019 7:08 pm
Forum: Personal Investments
Topic: My advisor VS Vanguard's PAS
Replies: 70
Views: 4775

Re: My advisor VS Vanguard's PAS

You may want to ask PAS whether they can assist with the types of issues and questions you expect to have. Several of the responses you have received here appear to indicate PAS would not be helpful with those, but I would expect otherwise. PAS advisors manage portfolios, but also provide financial ...
by GmanJeff
Fri Apr 12, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Trust investment choices for a difficult beneficiary
Replies: 115
Views: 7211

Re: Trust investment choices for a difficult beneficiary

Check before assuming Vanguard National Trust Company or other trust company will not accept this trust for management. If they will, resignation may in fact be a practical way for you to extricate yourself from your unwanted and stressful duties as Trustee. You can resign regardless, although you m...
by GmanJeff
Thu Apr 11, 2019 2:02 pm
Forum: Personal Investments
Topic: seeking financial advice
Replies: 4
Views: 509

Re: seeking financial advice

Vanguard. Lowest cost objective, non-commissioned, advice based on principles of wide diversification, with a broad and varied menu of investment options to select from. Not face-to-face, though. You can optionally communicate by video teleconference, email, or telephone.
by GmanJeff
Thu Apr 11, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17695

Re: Bogleheads, why wont anyone hire me?

[/quote] Financial planner- I love finance, but how can one be a planner when they’re a boglehead? People can easily do this on their own, but a financial planner at say MetLife would push you to sell the outrageous mutual funds. I wouldn’t feel ethical ripping people off when they can just put it i...
by GmanJeff
Wed Apr 10, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: Add more value to undergrad application during high school
Replies: 42
Views: 2142

Re: Add more value to undergrad application during high school

Activities in and of themselves are probably of little value since many students applying to colleges will be similarly situated. What makes a difference is what the student does beyond simple membership and participation. Conceiving and implementing a new club or team is far more impressive as a di...
by GmanJeff
Wed Apr 10, 2019 1:08 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisor Services
Replies: 38
Views: 4575

Re: Vanguard Personal Advisor Services

As part of getting older and my wife possibly having to take over our investments some day, I went ahead and collapsed all of my retirement accounts into Vanguard. In return, they provide a comprehensive management service, along with a Certified Financial Planner, at a low cost (.3%). I also depen...