Search found 94 matches

by mav12
Sat Aug 01, 2020 10:37 am
Forum: Investing - Theory, News & General
Topic: Morgan Stanley buying E*TRADE
Replies: 53
Views: 5104

Re: Morgan Stanley buying E*TRADE

Cheez-It Guy wrote:
Thu Feb 20, 2020 8:09 am
Vanguard should buy M1 Finance and integrate their technology.
YES
by mav12
Sat Aug 01, 2020 10:27 am
Forum: Personal Investments
Topic: Considering switch from Vanguard to eTrade...pros, cons and other input?
Replies: 124
Views: 10875

Re: Considering switch from Vanguard to eTrade...pros, cons and other input?

My ESPPs and RSUs are through eTrade and their site is nearly as clunky as Vanguard's. 80% of it feels like marketing to me. I much prefer TDAmeritrade as the most useful site and Schwab as the easiest to navigate. Third for me is Fidelity because of its linking of accounts on one page and the abil...
by mav12
Sat Aug 01, 2020 10:23 am
Forum: Personal Investments
Topic: The David Swensen model of Investing vs the All Seasons based on the All Weather by Ray Dalio
Replies: 9
Views: 1549

Re: The David Swensen model of Investing vs the All Seasons based on the All Weather by Ray Dalio

P.S. I think I should say that you should consider a simple three-fund portfolio like the one Taylor Larimore has recommended for ages, and devote your thinking to deciding on the allocation percentages to US stocks, international stocks, and bonds... just a total US stock fund, a total internation...
by mav12
Fri Jul 31, 2020 3:55 pm
Forum: Personal Investments
Topic: Why traditional IRA better than Roth IRA
Replies: 98
Views: 15167

Re: Why traditional IRA better than Roth IRA

Sincerely appreciate your feedback. Thank you Roth is always better than taxable. If you want to be certain of locking in a tax advantage, Roth has a certain simplicity to it. However, the advantage is rather marginal due to same principal after tax and the current low rates for LTCG and qualified d...
by mav12
Fri Jul 31, 2020 3:54 pm
Forum: Personal Investments
Topic: Why traditional IRA better than Roth IRA
Replies: 98
Views: 15167

Re: Why traditional IRA better than Roth IRA

Thank you for your insight. Hello Boglehead members, I would like to revive this thread. I tried to follow all the replies. but there are too many. Although. very valuable input. As I understand it depends on your income tier, if you're on the lower side, it's beneficial to utilize Roth and if your ...
by mav12
Fri Jul 31, 2020 3:53 pm
Forum: Personal Investments
Topic: Why traditional IRA better than Roth IRA
Replies: 98
Views: 15167

Re: Why traditional IRA better than Roth IRA

Thank you, thank you, thank you Hello Boglehead members, I would like to revive this thread. I tried to follow all the replies. but there are too many. Although. very valuable input. As I understand it depends on your income tier, if you're on the lower side, it's beneficial to utilize Roth and if y...
by mav12
Wed Jul 29, 2020 11:31 pm
Forum: Personal Investments
Topic: Why traditional IRA better than Roth IRA
Replies: 98
Views: 15167

Re: Why traditional IRA better than Roth IRA

Hello Boglehead members, I would like to revive this thread. I tried to follow all the replies. but there are too many. Although. very valuable input. As I understand it depends on your income tier, if you're on the lower side, it's beneficial to utilize Roth and if your income is above $70,000, tha...
by mav12
Sat Jul 18, 2020 2:45 pm
Forum: Investing - Theory, News & General
Topic: Of course, this is not a "Timing" advice, but we should be aware of "Billionaires look to reduce equities..."
Replies: 34
Views: 3453

Re: Of course, this is not a "Timing" advice, but we should be aware of "Billionaires look to reduce equities..."

When the market went down back in March, I thought about buying a big chunk of VTSAX. I had plenty of cash to do it. To be honest I just didn't have the guts to do it. Looking back on it, it seems obvious that is what I should have done, but back then it was pretty scary. Maybe that's why I'm not a...
by mav12
Sat Jul 18, 2020 2:24 pm
Forum: Investing - Theory, News & General
Topic: Of course, this is not a "Timing" advice, but we should be aware of "Billionaires look to reduce equities..."
Replies: 34
Views: 3453

Re: Of course, this is not a "Timing" advice, but we should be aware of "Billionaires look to reduce equities..."

I found the mention of residential real estate interesting as far as my Vanguard Real Estate goes, but, alas, only 13.90% of that fund is Residential REITs. I see that Black Rock offers iShares Residential Real Estate ETF (REZ) which is YTD -18.99% vs -13.79% for Vanguard REIT vs 0.85% for Vanguard...
by mav12
Fri Jul 17, 2020 6:46 pm
Forum: Investing - Theory, News & General
Topic: Of course, this is not a "Timing" advice, but we should be aware of "Billionaires look to reduce equities..."
Replies: 34
Views: 3453

Re: Of course, this is not a "Timing" advice, but we should be aware of "Billionaires look to reduce equities..."

The billionaires are skating to where the puck will be. The returns are quite lucrative in private equity today, the investments are illiquid and the payoffs will be high. Why wouldn't you want to move your money around - they are simply practicing asset allocation. You call it timing, we call it r...
by mav12
Fri Jul 17, 2020 6:44 pm
Forum: Investing - Theory, News & General
Topic: Of course, this is not a "Timing" advice, but we should be aware of "Billionaires look to reduce equities..."
Replies: 34
Views: 3453

Re: Of course, this is not a "Timing" advice, but we should be aware of "Billionaires look to reduce equities..."

The billionaires are skating to where the puck will be. The returns are quite lucrative in private equity today, the investments are illiquid and the payoffs will be high. Why wouldn't you want to move your money around - they are simply practicing asset allocation. You call it timing, we call it r...
by mav12
Fri Jul 17, 2020 6:08 pm
Forum: Investing - Theory, News & General
Topic: Of course, this is not a "Timing" advice, but we should be aware of "Billionaires look to reduce equities..."
Replies: 34
Views: 3453

Re: Of course, this is not a "Timing" advice, but we should be aware of "Billionaires look to reduce equities..."

Well, it does sound like market timing advice. And then if you read the article, it definitely doesn't look like your title does. They took out cheap loans to invest in equities when those crashed. Now that they have rebounded, they will sell to bank their profits. There is nothing that we "should ...
by mav12
Fri Jul 17, 2020 6:01 pm
Forum: Investing - Theory, News & General
Topic: Of course, this is not a "Timing" advice, but we should be aware of "Billionaires look to reduce equities..."
Replies: 34
Views: 3453

Of course, this is not a "Timing" advice, but we should be aware of "Billionaires look to reduce equities..."

Just though our members might find this article interesting... "During the rout in stock markets across the globe in March, UBS’ richest customers took out loans to place billions into crashing stock markets. They are now looking to pull that money from equities and put the profits in illiquid and p...
by mav12
Fri May 15, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Willmaker 2020 is on sale
Replies: 4
Views: 812

Re: Quicken Willmaker 2020 is on sale

How does the item that OP suggested compare to Quicken WillMaker & Trust 2020 Premium ?https://www.amazon.com/Quicken-WillMake ... merReviews
by mav12
Fri Mar 13, 2020 12:00 pm
Forum: Investing - Theory, News & General
Topic: vanguards ETF EDV versus VGLT [Extended vs. Long-term]
Replies: 20
Views: 2658

Re: vanguards ETF EDV versus VGLT [Extended vs. Long-term]

I have near equal parts of vti iau vgsh and vglt. Any thoughts on replacing vglt with edv? If you are implementing the Permanent Portfolio using exchange-traded funds, the iShares fund TLT was the one specifically mentioned by Harry Browne on his radio show for the long-term Treasury portion. The V...
by mav12
Thu Mar 05, 2020 11:33 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196046

Re: Bogleheads community discussion - Coronavirus

What is frustrating is that the US is actively supressing helful general demographic info about covid19 patients, siting "privacy laws". What privacy, all we care are the trends, who is in the highest risk braket. Oregon is suppressing all info. "Kaiser Permanente spokesman Mike Foley said Thursday ...
by mav12
Thu Mar 05, 2020 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102361

Re: Best CD rates thread

Love scripts, where did you learn them? I'm trying to pick the skill as well. I wrote a script to calculate the cost in terms of additional days of lost interest for any given starting day for any given time period. Click the "run" button at the top of the page produce output. https://repl.it/@ricch...
by mav12
Thu Mar 05, 2020 10:32 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196046

Re: Bogleheads community discussion - Coronavirus

I get my info from Peak Prosperity, twitter, youtube and the site. I followed PeakProsperity.com @chrismartensonand Erik Townsend @ErikSTownsend since the beginning of January. His sources are spot on. "Tom Cotton @SenTomCotton · Mar 4 .@barronsonline discovered that the official number of Chinese c...
by mav12
Sun Feb 02, 2020 1:06 am
Forum: Personal Investments
Topic: Roll over 401k to Vanguard or not ?
Replies: 21
Views: 1620

Re: Roll over 401k to Vanguard or not ?

I'd roll to TD Ameritrade over Vanguard. I have both and TDA is better because the website response times are faster, much more investment options (Vanguard restricts trading leveraged ETFs), more types of orders ( w/ TDA) like trailing stop loss.

Go with TDA.
by mav12
Sun Feb 02, 2020 12:55 am
Forum: Personal Investments
Topic: Why ally bank
Replies: 98
Views: 15450

Re: Why ally bank

I moved from Ally to Alliant Credit Union. Was fed up with Ally's excuses to restrict next day EFT, wait for months. Reps at Ally are not knowledgeable. Alliant doesn't have that nonsense. Your EFT transfers are next day. Same interst rates as Ally. Very friendly customer service. Alliant even pays ...
by mav12
Tue Jan 07, 2020 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Keeping funds at Roth 457b vs rollover to Roth IRA
Replies: 5
Views: 427

Re: Keeping funds at Roth 457b vs rollover to Roth IRA

Thank you for the response. I contributed to Trad 457b back in 2010 and finished incremental conversions to Roth 457b back in 2018 (I think). My Roth IRA with Vanguard was opened around 2010.

If I were to rollover to Roth IRA, would I be subject to early withdrawal penalty (from it) before 59 1/2 ?
by mav12
Tue Jan 07, 2020 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Keeping funds at Roth 457b vs rollover to Roth IRA
Replies: 5
Views: 427

Keeping funds at Roth 457b vs rollover to Roth IRA

I'm in my late 30's and used to contribute to the Trad 457b through the State work via Voya (negligible admin fee). Over the years, I'd incrementally converted Trad 457b to Roth 457b (paid taxes, but minimum because of the fin circumstances). I'm now with the private employer. Is it worth to roll ov...
by mav12
Sun Dec 22, 2019 8:44 pm
Forum: Personal Investments
Topic: PIMIX, income, cash, interest rates?
Replies: 79
Views: 11349

Re: PIMIX, income, cash, interest rates?

For those who have PIMIX in TDA, would you be able to move a portion of your investments into another broker, such as Vanguard? It's just I have all my $$ with Vanguard, so I was thinking on buying into PIMIX and moving it to Vanguard. There are reports that you must have $1 mil to be able to move b...
by mav12
Tue Dec 10, 2019 12:52 am
Forum: Personal Consumer Issues
Topic: Preventative car maintenance (oil changes) costs
Replies: 55
Views: 3954

Re: Preventative car maintenance (oil changes) costs

Does anyone have a preference, experience of using a particular oil / filter ? I do! I generally go with the cheapest brand name synthetic oil and good filter. What I have been doing mostly (and last several years exclusively) is buying Mobil 1 at Walmart when it's on sale and within $12 Mobil reba...
by mav12
Tue Dec 10, 2019 12:46 am
Forum: Personal Consumer Issues
Topic: Preventative car maintenance (oil changes) costs
Replies: 55
Views: 3954

Re: Preventative car maintenance (oil changes) costs

Yes many thoughts. 1. Amsoil is overpriced for what it is. 2. BITOG is your site, for the true answer my thoughts, though - stock up on any quality synthetic when they have sales/rebates - usually the combination is the time to buy. Sometimes it is so cheap, you might get PAID to purchase it. Pennz...
by mav12
Sun Dec 08, 2019 11:47 pm
Forum: Personal Consumer Issues
Topic: Preventative car maintenance (oil changes) costs
Replies: 55
Views: 3954

Re: Preventative car maintenance (oil changes) costs

Does anyone have a preference, experience of using a particular oil / filter ? Yes. In fact it seems that everyone has a preference and an experience. But most of that is based on salesmanship and marketing rather than specific hard data. Take a look at https://www.bobistheoilguy.com/ if you dare. ...
by mav12
Sun Dec 08, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: Preventative car maintenance (oil changes) costs
Replies: 55
Views: 3954

Re: Preventative car maintenance (oil changes) costs

Does anyone have a preference, experience of using a particular oil / filter ?
by mav12
Sun Dec 08, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: Preventative car maintenance (oil changes) costs
Replies: 55
Views: 3954

Preventative car maintenance (oil changes) costs

Hello, Just wanted to thank our community for much needed, helpful and money saving tips. I have a question about the car maintenance costs, such as oil changes whether it's worth paying a bit more for the motor oil and changing it less frequently (once per year), thus saving on the motor oil replac...
by mav12
Fri Nov 29, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Are OTC Lab Tests (walk in labs) FSA funding eligible ?
Replies: 8
Views: 885

Re: Are OTC Lab Tests (walk in labs) FSA funding eligible ?

... I also have a "so-so" medical coverage though Kaiser Permanente. I started with KP only this year and it's like hitting yourself against a brick wall, trying to persuade a Dr to order a lab test. I'm the type of person who watches how to eat healthy and routinely monitors lab results. Before KP...
by mav12
Thu Nov 28, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 28756

Re: H&R BLOCK Pre-Order 2019 Software Offer

Or do your taxes for free at your local VITA (Volunteer Income Tax Assistance) program. Doesn't let me model my own taxes and income changes, thanks Actually, there are VITA sites that offer facilitated self assistance (FSA), where you use DIY software provided by VITA installed on computers at kio...
by mav12
Thu Nov 28, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Are OTC Lab Tests (walk in labs) FSA funding eligible ?
Replies: 8
Views: 885

Re: Are OTC Lab Tests (walk in labs) FSA funding eligible ?

https://www.google.com/search?q=can+i+use+fsa+to+pay+for+walk-in+lab+tests Thank you for the link. It seems these online places can advertise one thing, but as far as having your FSA administrator actually approve the claims in different because FSA could still deny once they see a receipt from dir...
by mav12
Thu Nov 28, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Are OTC Lab Tests (walk in labs) FSA funding eligible ?
Replies: 8
Views: 885

Re: Are OTC Lab Tests (walk in labs) FSA funding eligible ?

Without giving specific medical advice, I’ve had an annual employer sponsored physical since age 32. Since retirement, I’ve kept up the practice with my annual wellness checkups and lab tests. My blood chemistries are plotted on an Excel spreadsheet from age 32 to 66. Any physician I’ve seen in the...
by mav12
Thu Nov 28, 2019 1:53 am
Forum: Personal Finance (Not Investing)
Topic: Are OTC Lab Tests (walk in labs) FSA funding eligible ?
Replies: 8
Views: 885

Are OTC Lab Tests (walk in labs) FSA funding eligible ?

Good evening community, My intent with this post is to simply ask for your opinion. I have an option at work to contribute to an FSA plan (no employer match). I also have a "so-so" medical coverage though Kaiser Permanente. I started with KP only this year and it's like hitting yourself against a br...
by mav12
Tue Nov 26, 2019 12:28 am
Forum: Personal Consumer Issues
Topic: Michelin vs Toyota tires for Corolla?
Replies: 31
Views: 2987

Re: Michelin vs Toyota tires for Corolla?

I'm comparing Michelin Premier AC vs Goodyear Assurance® WeatherReady® for a family member's Camry. A lot of reviews claim Michelin wear out much faster.
by mav12
Tue Nov 26, 2019 12:23 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 28756

Re: H&R BLOCK Pre-Order 2019 Software Offer

Or do your taxes for free at your local VITA (Volunteer Income Tax Assistance) program.
by mav12
Tue Nov 26, 2019 12:19 am
Forum: Personal Investments
Topic: 403b Mutual of America vs T Rowe Price
Replies: 26
Views: 1539

Re: 403b Mutual of America vs T Rowe Price

Yes, good point. I also suggest sticking with the T. Rowe Price index funds. Thank you. It seems like a unanimous opinion to go with T Rowe Price 403b, to get my employer match. Don't limit yourself to contributing just enough to get the employer match. Here is a general account funding priority th...
by mav12
Tue Nov 26, 2019 12:18 am
Forum: Personal Investments
Topic: 403b Mutual of America vs T Rowe Price
Replies: 26
Views: 1539

Re: 403b Mutual of America vs T Rowe Price

Yes, past performance is not guarantee of future results. I also looked at the tenure of the manager. A good example is their New Horizons fund https://www.troweprice.com/personal-investing/tools/fund-research/PRNHX. It had very good performance, but the manager just left. The new manager only work...
by mav12
Tue Nov 26, 2019 12:02 am
Forum: Personal Investments
Topic: Mutual of America 403(b) Thrift
Replies: 7
Views: 437

Re: Mutual of America 403(b) Thrift

Hello, This is the link for the mutual of America funds ER specific to my employer: https://drive.google.com/file/d/1W68RRN9sB2XXvdSwLaZn1DEYJLZrsmzx/view?usp=sharing and https://drive.google.com/file/d/1UkGjxIG-yIUd5VXjBDLCTl3ziAALl5xV/view?usp=sharing Those are the options they have and their res...
by mav12
Mon Nov 25, 2019 11:56 pm
Forum: Personal Investments
Topic: Mutual of America 403(b) Thrift
Replies: 7
Views: 437

Re: Mutual of America 403(b) Thrift

We maybe from the the same Org (or maybe not) ... look over this thread. Negative on Mutual of America... https://www.bogleheads.org/forum/viewtopic.php?f=1&t=295708 https://i.postimg.cc/rpdmK2sZ/Mutual-Fund-fees1.jpg https://www.nerdwallet.com/blog/investing/mutual-fund-calculator/ Check if your co...
by mav12
Mon Nov 25, 2019 1:17 am
Forum: Personal Investments
Topic: 403b Mutual of America vs T Rowe Price
Replies: 26
Views: 1539

Re: 403b Mutual of America vs T Rowe Price

Yes, good point. I also suggest sticking with the T. Rowe Price index funds. Thank you. It seems like a unanimous opinion to go with T Rowe Price 403b, to get my employer match. I will allocate a portion to the Capital Appreciation Fund PRWCX for sure. Just to get my foot in the door, and probably ...
by mav12
Sun Nov 24, 2019 1:28 pm
Forum: Personal Investments
Topic: 403b Mutual of America vs T Rowe Price
Replies: 26
Views: 1539

Re: 403b Mutual of America vs T Rowe Price

Yes, good point.
by mav12
Sat Nov 23, 2019 3:01 pm
Forum: Personal Investments
Topic: 403b Mutual of America vs T Rowe Price
Replies: 26
Views: 1539

Re: 403b Mutual of America vs T Rowe Price

I'd updated the post, now with the fee structure for Mutual of America and T Rowe Price links. Your t.rowe link isn’t showing anything in question. Either way, t Rowe all the way. The other company is charging extra fees e wn on the equity index funds. At t Rowe there is only an er, no hidden manag...
by mav12
Sat Nov 23, 2019 2:51 pm
Forum: Personal Investments
Topic: 403b Mutual of America vs T Rowe Price
Replies: 26
Views: 1539

Re: 403b Mutual of America vs T Rowe Price

I'd updated the post, now with the fee structure for Mutual of America and T Rowe Price links. Your t.rowe link isn’t showing anything in question. Either way, t Rowe all the way. The other company is charging extra fees e wn on the equity index funds. At t Rowe there is only an er, no hidden manag...
by mav12
Sat Nov 23, 2019 2:24 am
Forum: Personal Investments
Topic: 403b Mutual of America vs T Rowe Price
Replies: 26
Views: 1539

Re: 403b Mutual of America vs T Rowe Price

I'd updated the post, now with the fee structure for Mutual of America and T Rowe Price links.
by mav12
Sat Nov 23, 2019 2:03 am
Forum: Personal Investments
Topic: 403b Mutual of America vs T Rowe Price
Replies: 26
Views: 1539

Re: 403b Mutual of America vs T Rowe Price

I was able to get in touch with a rep and he stated that for our Org the fees fall under the Tier 3, which is .45%, plus the fund costs. I asked him to send me the info on the funds' costs, but there are common names, such as Fidelity and Vanguard, but are structured under the annuity. You should b...
by mav12
Fri Nov 22, 2019 7:28 pm
Forum: Personal Investments
Topic: 403b Mutual of America vs T Rowe Price
Replies: 26
Views: 1539

Re: 403b Mutual of America vs T Rowe Price

Careful, the T Rowe Price plan may also have an annuity wrapper that hasn't been disclosed. Do your due diligence--these people can be sneaky. Thank you for the pointer. Confirmed with T Rowe, our org has a straight 403b plan with them, no umbrella/wrappers, not an annuity or other special structur...
by mav12
Fri Nov 22, 2019 5:25 pm
Forum: Personal Investments
Topic: 403b Mutual of America vs T Rowe Price
Replies: 26
Views: 1539

Re: 403b Mutual of America vs T Rowe Price

I was able to get in touch with a rep and he stated that for our Org the fees fall under the Tier 3, which is .45%, plus the fund costs. I asked him to send me the info on the funds' costs, but there are common names, such as Fidelity and Vanguard, but are structured under the annuity. I haven't com...