Search found 35 matches

by spoonfork
Tue Jul 02, 2019 5:08 am
Forum: Personal Investments
Topic: Roth IRA investments
Replies: 11
Views: 2020

Re: Roth IRA investments

gram wrote: Mon Jul 01, 2019 11:35 pm Any other sensible recommendations besides those 2 funds for Roth IRA?
Check out VFINX, it's Vanguard's SP500 fund.
by spoonfork
Wed May 01, 2019 6:43 pm
Forum: Personal Investments
Topic: Vanguard security
Replies: 40
Views: 3676

Re: Vanguard security

They need to switch to an authenticator rather than sending a text message.
by spoonfork
Thu Jan 03, 2019 8:00 pm
Forum: Personal Investments
Topic: Stuck in MetLife Preference Plus Variable Annuity?
Replies: 3
Views: 580

Stuck in MetLife Preference Plus Variable Annuity?

Back in 1999 my dad put in $2,000 into an IRA with a Metlife Preference Plus account. The paperwork says it is a variable annuity. I called Vanguard and asked if this is something I could transfer to his Vanguard IRA account. The rep on the phone simply told me it was not possible. But I recall seei...
by spoonfork
Wed Aug 29, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Chipotle question
Replies: 73
Views: 5124

Re: Chipotle question

I went to Chipotle all the time when they briefly had a really delicious chorizo option. It's not traditional mexican style because it's not greasy but it was still pretty good. All their other meats are bland in comparison. I guess people couldn't handle something different so it was discontinued.
by spoonfork
Tue Jul 31, 2018 1:23 pm
Forum: Investing - Theory, News & General
Topic: DOOM!!!!! Morgan Stanley warns
Replies: 41
Views: 5299

Re: DOOM!!!!! Morgan Stanley warns

I feel like some Marketwatch articles have to be written by bots using an algorithm to get the most clicks. The grammar is very strange in many of the articles.
by spoonfork
Sun Jul 29, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Horrible Experience with Ally New Account Opening Process
Replies: 43
Views: 20812

Re: Horrible Experience with Ally New Account Opening Process

I applied last year without any problems. They did call me 3-4 days later to verify it was me though.
by spoonfork
Thu May 10, 2018 4:25 am
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 40189

Re: Why International again?

Do you mean explode in a good way or a bad way?
by spoonfork
Fri Apr 20, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Do Apple products need Norton anti Virus?
Replies: 12
Views: 1528

Re: Do Apple products need Norton anti Virus?

Even Windows doesn't need it. The built-in Windows firewall, automatic security updates, and Windows Defender will do as good a job or better than Norton.
by spoonfork
Thu Feb 22, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 65
Views: 7250

Re: Boglehead Flashlight?

I also recommend any Surefire. They are built in the USA and have a lifetime warranty.

I have the EB1 Backup model but the only negative thing is that it uses CR123A batteries which are uncommon compared to regular AA/AAA.
by spoonfork
Fri Feb 16, 2018 10:04 am
Forum: Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 186
Views: 37573

Re: Torn between Vanguard, Fidelity and Schwab

Did we ever come to a consensus on the $25 charge for each mutual fund in an account? My understanding was they do still charge $25 for each mutual fund if it is a certain type of account (i.e. solo 401k, SEP) and you’re under the $50k status. Can anyone confirm this? They do charge the fee for the...
by spoonfork
Sun Feb 11, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: USPS Flat Rate Boxes - How do they work?
Replies: 27
Views: 3090

Re: USPS Flat Rate Boxes - How do they work?

The box is free. You pay for the postage either at the post office or you can pre-print the shipping label and pay for it online and just tape it on there.

You can just walk into any USPS place and walk out with a few boxes.
by spoonfork
Tue Feb 06, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: Comcast Modem Rental
Replies: 41
Views: 4364

Re: Comcast Modem Rental

When I had Comcast I did the rental thing for over a year before just buying my own. I just bought the recommended one from The Wirecutter website and it worked fine.

https://thewirecutter.com/reviews/best-cable-modem/
by spoonfork
Tue Feb 06, 2018 6:46 am
Forum: Personal Investments
Topic: Stay the course?
Replies: 65
Views: 8918

Re: Stay the course?

The market will tank sharply a dozen more times in your investing career so best to just get used to it.
by spoonfork
Fri Jan 26, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Opinion - is snopes.com generally reliable and unbiased?
Replies: 18
Views: 1848

Re: Opinion - is snopes.com generally reliable and unbiased?

It can be biased. The important thing is that they cite their sources so you can view it yourself and see if you agree with their conclusion.
by spoonfork
Sat Jan 20, 2018 5:16 pm
Forum: Personal Investments
Topic: Lifestrategy Growth and Total Stock market -Roth
Replies: 10
Views: 1551

Re: Lifestrategy Growth and Total Stock market -Roth

I think he needs to take control of his investments and put some effort into settling on an asset allocation. If he already has, he should share it with you. One should not invest based on what has performed well recently. Invest according to one’s IPS. I second this. Wow. Rudest and most unhelpful...
by spoonfork
Sun Jan 14, 2018 12:35 am
Forum: Personal Investments
Topic: Taxable Investment Advice - ETF vs. Admiral Shares?
Replies: 15
Views: 1955

Re: Taxable Investment Advice - ETF vs. Admiral Shares?

Once it meets the requirements for Admiral they'll switch it over eventually. You can also just click on a button that shows up next to the fund to upgrade.
by spoonfork
Fri Dec 29, 2017 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 43871

Re: Ally Bank 11 month [No-Penalty CD]

When they called me to verify (because of my freeze) i just answered the questions and I was fine with it. The operator knew exactly when I requested to open the savings account and had pretty much all my information already. I get being cautious but these people already know everything about you.
by spoonfork
Tue Dec 12, 2017 7:43 am
Forum: Personal Investments
Topic: Roth IRA-Vanguard
Replies: 6
Views: 804

Re: Roth IRA-Vanguard

If it's in your Roth settlement funds then you have contributed to your Roth. You can then move that money into index funds or ETFs or into a target date fund. And yes you can bypass the settlement fund entirely when you make the contribution. On my account I just tell them to take money from my ban...
by spoonfork
Sat Dec 02, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 84
Views: 7169

Re: Moto G5 Plus: Software updates?

Have you used an iPhone? It's not as good.
by spoonfork
Sat Dec 02, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 84
Views: 7169

Re: Moto G5 Plus: Software updates?

Motorola sends updates automatically. They are very rare and they are slow to even update for security patches. For example there is a November patch for Android security and my G5 Plus is still on September. It's one of the drawbacks to getting such a cheap phone, but it's otherwise a great product...
by spoonfork
Tue Nov 28, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Moto X4 through google fi offering $100 credit
Replies: 11
Views: 1545

Re: Moto X4 through google fi offering $100 credit

Google has extended the $100.00 credit to the Pixel and Pixel 2 phones for cyber Monday. They're also throwing in a Google Home Mini with the Pixel 2 Phones. I like the Moto X4 for the lower price as a starter phone but could be talked into the Pixel line if anything about them make them easier to ...
by spoonfork
Fri Nov 24, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: I bought Vanguard Index Funds to get the black friday shopping out of my system
Replies: 17
Views: 1901

Re: I bought Vanguard Index Funds to get the black friday shopping out of my system

I needed a new phone so I bought one of the discount Moto G5 phones thanks to Black Friday.
by spoonfork
Sat Nov 18, 2017 12:48 pm
Forum: Personal Investments
Topic: Vanguard intermediate tax emempt vs CD
Replies: 4
Views: 953

Re: Vanguard intermediate tax emempt vs CD

You don't pay taxes on the Vanguard fund.
by spoonfork
Tue Nov 14, 2017 10:14 am
Forum: Personal Investments
Topic: Is it worth starting investing if 7-8 years from retirement?
Replies: 22
Views: 3176

Re: Is it worth starting investing if 7-8 years from retirement?

Ok thanks. I'll talk to them again and looking at the solo 401k Vanguard page it looks like the only administrative cost is $20 a year per fund. How long does it usually take to set something like this up? +1, Solo 401k would be ideal. If they delay their annuity and SS, they could withdraw from th...
by spoonfork
Tue Nov 14, 2017 5:45 am
Forum: Personal Investments
Topic: Is it worth starting investing if 7-8 years from retirement?
Replies: 22
Views: 3176

Re: Is it worth starting investing if 7-8 years from retirement?

Ok thanks. I'll talk to them again and looking at the solo 401k Vanguard page it looks like the only administrative cost is $20 a year per fund. How long does it usually take to set something like this up?
by spoonfork
Tue Nov 14, 2017 5:22 am
Forum: Personal Investments
Topic: Is it worth starting investing if 7-8 years from retirement?
Replies: 22
Views: 3176

Re: Is it worth starting investing if 7-8 years from retirement?

If they are self-employed, they can still contribute to IRA, and they can easily set up a Solo 401k at most brokerages. No need to set up a taxable account, which is tax inefficient, especially at their tax rates. They looked into the solo 401k with their accountant and they didn't really like the ...
by spoonfork
Tue Nov 14, 2017 5:09 am
Forum: Personal Investments
Topic: Is it worth starting investing if 7-8 years from retirement?
Replies: 22
Views: 3176

Is it worth starting investing if 7-8 years from retirement?

My parents have everything in their annuities and one rental property. They think that combined with their social security will cover them. They are self employed and have no access to 401k. Is it worth it for them to start a taxable brokerage account right now when they still have 7 or 8+ possible ...
by spoonfork
Thu Nov 09, 2017 8:26 pm
Forum: Personal Investments
Topic: Where to allocate a $20,000 emergency fund
Replies: 17
Views: 3780

Re: Where to allocate a $20,000 emergency fund

Yes, Ally is FDIC insured up to 250,000 like normal banks. Many people here use it.
by spoonfork
Mon Oct 30, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard and restriction to unrecognized computer
Replies: 9
Views: 1331

Re: Vanguard and restriction to unrecognized computer

boater07 wrote: Mon Oct 30, 2017 11:23 am Thank you both for clarifying.
2FA is wonderful if you have a smart phone. Is there anyone left besides me without one?? :wink:
You should be able to get a text message on a regular cell phone
by spoonfork
Sun Oct 29, 2017 11:30 pm
Forum: Personal Investments
Topic: Regular savings versus Money Market Fund
Replies: 3
Views: 734

Re: Regular savings versus Money Market Fund

The savings account at Ally is 1.25%. Same at American Express.
by spoonfork
Fri Oct 27, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 3851

Re: Going to SF, Yosemite and Sacramento

I'm in San Francisco and I always take visitors to Tadich Grill. It's one of the oldest continuously running restaurants in the USA and everyone loves it from tourists to locals. Get the cioppino.
by spoonfork
Sat Oct 14, 2017 3:11 pm
Forum: Personal Investments
Topic: Can I fund my dad's taxable account?
Replies: 10
Views: 1474

Re: Can I fund my dad's taxable account?

Thank you. Do I have to fill out some kind of form or do I just link my bank account to his Vanguard account? He's not good with computers so I'm pretty much doing everything for him. In that case, if he wishes, doing a financial power of attorney as dbr suggested seems wise. Also, if he opens a jo...
by spoonfork
Fri Oct 13, 2017 9:40 pm
Forum: Personal Investments
Topic: Can I fund my dad's taxable account?
Replies: 10
Views: 1474

Re: Can I fund my dad's taxable account?

Thank you. Do I have to fill out some kind of form or do I just link my bank account to his Vanguard account? He's not good with computers so I'm pretty much doing everything for him.

e: I guess I'll just send in a check for him if that's easiest
by spoonfork
Fri Oct 13, 2017 9:24 pm
Forum: Personal Investments
Topic: Can I fund my dad's taxable account?
Replies: 10
Views: 1474

Can I fund my dad's taxable account?

My dad has everything in his IRA and an annuity so I want to help fund a taxable account in his name. Is it possible to make his account at Vanguard and put in the initial $3,000 minimum from my bank account? He would then put in his own monthly contributions.