Search found 338 matches

by StandingRock
Tue Nov 26, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 421
Views: 30577

Re: Retirement Friendly States

Silence Dogood wrote:
Mon Nov 25, 2019 11:29 pm
Probably whichever state your family and friends are living in.
Pretty much this. Online people tend to be strange and weird, and probably don't have many family or friends though.
by StandingRock
Mon Nov 25, 2019 11:19 am
Forum: Personal Investments
Topic: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups
Replies: 21
Views: 1274

Re: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups

Frustrated out of my mind. If anyone is considering Vanguard as an investment option, steer clear. RUN THE OTHER DIRECTION AS FAST AS YOU CAN. Interesting, but i understand you had a bad experience. A lot of people here are happy with Vanguard including myself. My complain is that they don't have a...
by StandingRock
Sat Nov 23, 2019 9:39 pm
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 170
Views: 12796

Re: [Tesla truck]

A fool and his money are soon parted.
by StandingRock
Fri Nov 22, 2019 9:52 am
Forum: Personal Investments
Topic: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups
Replies: 21
Views: 1274

Re: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups

Frustrated out of my mind. If anyone is considering Vanguard as an investment option, steer clear. RUN THE OTHER DIRECTION AS FAST AS YOU CAN. Interesting, but i understand you had a bad experience. A lot of people here are happy with Vanguard including myself. My complain is that they don't have a...
by StandingRock
Thu Nov 21, 2019 3:21 pm
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 330
Views: 25803

Re: Customer Service with Vanguard

I'm in the middle of a roll-in process and it has been very frustrating. The reps lie to you just to get you off the phone and just go in circles instead of actually trying to resolve a problem. If I survive this one supposedly simple transaction, I will be moving the rest of my accounts to Fidelit...
by StandingRock
Thu Nov 21, 2019 11:09 am
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 330
Views: 25803

Re: Customer Service with Vanguard

I'm in the middle of a roll-in process and it has been very frustrating. The reps lie to you just to get you off the phone and just go in circles instead of actually trying to resolve a problem. If I survive this one supposedly simple transaction, I will be moving the rest of my accounts to Fidelit...
by StandingRock
Thu Nov 21, 2019 11:07 am
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 330
Views: 25803

Re: Customer Service with Vanguard

I'm in the middle of a roll-in process and it has been very frustrating. The reps lie to you just to get you off the phone and just go in circles instead of actually trying to resolve a problem. If I survive this one supposedly simple transaction, I will be moving the rest of my accounts to Fidelit...
by StandingRock
Thu Nov 21, 2019 10:51 am
Forum: Personal Investments
Topic: Should I move my IRA from etrade?
Replies: 19
Views: 1020

Re: Should I move my IRA from etrade?

What ever you do, AVOID VANGUARD.
by StandingRock
Thu Nov 21, 2019 10:22 am
Forum: Personal Investments
Topic: Vanguard Brokerage - order placed without enough funds
Replies: 27
Views: 2697

Re: Vanguard Brokerage - order placed without enough funds

My advice would be to move all of your money out of Vanguard and forget that they ever existed.
by StandingRock
Thu Nov 21, 2019 9:23 am
Forum: Personal Investments
Topic: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups
Replies: 21
Views: 1274

Re: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups

Frustrated out of my mind.

If anyone is considering Vanguard as an investment option, steer clear. RUN THE OTHER DIRECTION AS FAST AS YOU CAN.
by StandingRock
Wed Nov 13, 2019 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 5715

Re: First Republic Bank doesn’t have physical coins

I find it so idiotic that, here in the US, we spend more than a cent to make pennies and more than 5 cents to make a "nickel". Agreed. Eliminating pennies and nickels at least should be done immediately. Dimes may need to be on the chopping block too. A lot of things cost more than they are worth, ...
by StandingRock
Wed Nov 13, 2019 10:27 am
Forum: Personal Investments
Topic: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups
Replies: 21
Views: 1274

Re: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups

I've been trying to get a rollover check from Vanguard and it's been nearly 6 weeks since I started. If I can't finish the roll in to Fidelity by the 60 day deadline because of this, can I sue Vanguard for restitution? They have sent checks to the wrong address multiple times and sent me a check ma...
by StandingRock
Wed Nov 13, 2019 10:17 am
Forum: Personal Investments
Topic: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups
Replies: 21
Views: 1274

Re: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups

I've been trying to get a rollover check from Vanguard and it's been nearly 6 weeks since I started. If I can't finish the roll in to Fidelity by the 60 day deadline because of this, can I sue Vanguard for restitution? They have sent checks to the wrong address multiple times and sent me a check ma...
by StandingRock
Wed Nov 13, 2019 10:15 am
Forum: Personal Investments
Topic: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups
Replies: 21
Views: 1274

Re: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups

Several points. Almost all rollovers between institutions are by check. You should be doing a direct rollover? Are you? The fact that they mail you a check does not make it an indirect rollover unless it is made out to you personally. Even if it were to be an indirect rollover, the 60-day clock doe...
by StandingRock
Wed Nov 13, 2019 10:07 am
Forum: Personal Investments
Topic: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups
Replies: 21
Views: 1274

Re: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups

I've been trying to get a rollover check from Vanguard and it's been nearly 6 weeks since I started. If I can't finish the roll in to Fidelity by the 60 day deadline because of this, can I sue Vanguard for restitution? They have sent checks to the wrong address multiple times and sent me a check ma...
by StandingRock
Wed Nov 13, 2019 10:06 am
Forum: Personal Investments
Topic: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups
Replies: 21
Views: 1274

Re: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups

It does not sound like you are facing a 60 day deadline. Sounds frustrating though. The money has been moving in and out of my account, and I have no idea when I will be able to complete the rollover. Their customer service is horrible. I don't think they have any sort of escalation procedures, it'...
by StandingRock
Wed Nov 13, 2019 9:41 am
Forum: Personal Investments
Topic: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups
Replies: 21
Views: 1274

IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups

I've been trying to get a rollover check from Vanguard and it's been nearly 6 weeks since I started. If I can't finish the roll in to Fidelity by the 60 day deadline because of this, can I sue Vanguard for restitution? They have sent checks to the wrong address multiple times and sent me a check mad...
by StandingRock
Wed Nov 13, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Online MBA - Worth It?
Replies: 30
Views: 2395

Re: Online MBA - Worth It?

I don't know how an MBA would help with a career in sustainable energy at all. Unless you are just trying to jump into some mid level management job of any kind, which may or may not have anything to do with sustainable energy.
by StandingRock
Tue Nov 12, 2019 5:55 pm
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 87
Views: 10631

Re: Fidelity to $0 Commissions

Well, this will leave me with a money market fund at VG and nothing else. VG now only has three real advantages: 1. Principle. If you believe strongly enough in Vanguard being the proximate cause of the cost of investing dropping enough to give them your business as a result, rather than take advan...
by StandingRock
Tue Nov 12, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 12356

Re: Saving seats on Southwest

I've only flown Southwest a handful of times. Frankly I am surprised that it is orderly as it is all things considered. But for me, flying on that airline is only an emergency fallback situation.
by StandingRock
Tue Nov 12, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 102
Views: 9803

Re: Vanguard keeps pushing their financial advisors...why?

Not sure if this is actionable but although I didn't mind the emails, every time I log in now there is a pop up promoting Vanguard PAS that I have to X out of before going to my account. That is getting annoying. Is there any way to get rid of it for good? I sent several messages to Vanguard asking...
by StandingRock
Mon Nov 11, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1907
Views: 207253

Re: [What TV Show Have You Recently Watched?]

Gilligan's Island on Amazon Prime. Speaking of old shows the Mrs and I found Match Game '75 on Amazon Prime. Talk about a blast from the past. We find it every bit as hilarious as when we were kids. That being said I'm not sure our parents would have let us watch it back in the day if they'd realiz...
by StandingRock
Mon Nov 11, 2019 3:54 pm
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 330
Views: 25803

Re: Customer Service with Vanguard

I'm in the middle of a roll-in process and it has been very frustrating. The reps lie to you just to get you off the phone and just go in circles instead of actually trying to resolve a problem. If I survive this one supposedly simple transaction, I will be moving the rest of my accounts to Fidelity...
by StandingRock
Mon Nov 11, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1907
Views: 207253

Re: [What TV Show Have You Recently Watched?]

Gilligan's Island on Amazon Prime.
by StandingRock
Mon Nov 11, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Spectrum Internet has a good scam going
Replies: 61
Views: 9077

Re: Spectrum Internet has a good scam going

They charged me $350 for a DVR device that one of their contractors stole. I had just moved and still had my old equipment, and they told me specifically that I could turn it in to the installer coming the next day. Well, I did and I guess he never turned it in, because they charged me for it. I co...
by StandingRock
Mon Nov 11, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Spectrum Internet has a good scam going
Replies: 61
Views: 9077

Re: Spectrum Internet has a good scam going

They charged me $350 for a DVR device that one of their contractors stole. I had just moved and still had my old equipment, and they told me specifically that I could turn it in to the installer coming the next day. Well, I did and I guess he never turned it in, because they charged me for it. I co...
by StandingRock
Mon Nov 11, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Spectrum Internet has a good scam going
Replies: 61
Views: 9077

Re: Spectrum Internet has a good scam going

They charged me $350 for a DVR device that one of their contractors stole. I had just moved and still had my old equipment, and they told me specifically that I could turn it in to the installer coming the next day. Well, I did and I guess he never turned it in, because they charged me for it. I cou...
by StandingRock
Mon Nov 11, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 8537

Re: Do you charge your employer for the time that you spend working on your off days?

It depends on how secure you are in your understanding of your value to your employer. I had 50 years of creditable work history on my SS statement when I retired and never once worked for free, even though almost every employer not only asked me to, but in some cases said it was required. I will q...
by StandingRock
Sat Nov 09, 2019 7:39 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard vs Schwab vs TD vs Etrade vs Merril
Replies: 32
Views: 2675

Re: Fidelity vs Vanguard vs Schwab vs TD vs Etrade vs Merril

Avoid Vanguard if you value customer service.
by StandingRock
Sat Nov 09, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: What is this sound in the house?
Replies: 37
Views: 5054

Re: What is this sound in the house?

Put out some rat poison, or some traps.
by StandingRock
Sat Nov 09, 2019 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity - promotion bonus
Replies: 43
Views: 6811

Re: Fidelity - promotion bonus

Geez I get a headache just thinking about trying to squeeze out a nickel in this fashion, considering the pain I am having getting my money out of Vanguard's grubby little paws.
by StandingRock
Sat Nov 09, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1584
Views: 217538

Re: Fidelity as a one stop shop

Right now I have accounts at both Vanguard and Fidelity. I'm going to switch everything to Fidelity once I get the mess at Vanguard straightened out. It seems like they have a lot of interesting features and I know their customer service is better too.
by StandingRock
Sat Nov 09, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 8537

Re: Do you charge your employer for the time that you spend working on your off days?

Realistically you'll probably have to quit if it bothers you. I've seen a few unfortunate situations where people were asked to work extra every single week due to an "urgent" project (which was basically just failed management rolling downhill). The ones who were deadset against it stated their cas...
by StandingRock
Sat Nov 09, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Delayed IRA Conversion for Backdoor Roth?
Replies: 10
Views: 783

Re: Delayed IRA Conversion for Backdoor Roth?

Just see if your current 401k will accept the IRA. If yes, roll the IRA into the 401k. Then do the back door. Considering that it is late in the year, you might not get it all done by the end of the year. A word of warning - if you are dealing with Vanguard you might not be able to get it done by E...
by StandingRock
Sat Nov 09, 2019 2:36 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard
Replies: 54
Views: 8363

Re: Fidelity vs Vanguard

I second the comments on customer service. And it's not just Fidelity vs Vanguard per se. It would not be hard for any company to have better customer service than Vanguard. To put it simply, it's bad.
by StandingRock
Sat Nov 09, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Early Financial Independence. - Healthcare costs
Replies: 65
Views: 5764

Re: Early Financial Independence. - Healthcare costs

I may end up being wrong, but I think the model is unsustainable in which people are able to retire early and collect government subsidies to pay for their health care. Therefore, do not plan that this is a given and will always be there for you. The political wind can blow and take that away. In m...
by StandingRock
Fri Nov 08, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Early Financial Independence. - Healthcare costs
Replies: 65
Views: 5764

Re: Early Financial Independence. - Healthcare costs

I may end up being wrong, but I think the model is unsustainable in which people are able to retire early and collect government subsidies to pay for their health care. Therefore, do not plan that this is a given and will always be there for you. The political wind can blow and take that away. In m...
by StandingRock
Thu Nov 07, 2019 8:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5577
Views: 478103

Re: U.S. stocks continue to soar!

We just gotta enjoy it while we can.
by StandingRock
Tue Nov 05, 2019 9:05 am
Forum: Personal Investments
Topic: Stock market at its peak
Replies: 32
Views: 4993

Re: Stock market at its peak

There must be something about the way people search on this topic that funnels them into the Bogleheads forum. Because this question seems to show up time and again.
by StandingRock
Sat Nov 02, 2019 12:56 pm
Forum: Investing - Theory, News & General
Topic: When someone says “X is a $120 million dollar company” what does that mean?
Replies: 20
Views: 2546

Re: When someone says “X is a $120 million dollar company” what does that mean?

TN_Boy wrote:
Sat Nov 02, 2019 11:12 am
firebirdparts wrote:
Sat Nov 02, 2019 3:13 am
I hear it more often referring to revenue.
+1 That is usually the context I hear -- whether for public or privately traded companies. Gross revenue.
I concur, almost always this phrasing refers to revenue.
by StandingRock
Thu Oct 31, 2019 6:39 am
Forum: Personal Investments
Topic: I’m done with index funds
Replies: 229
Views: 30228

Re: I’m done with index funds

randomguy wrote:
Thu Oct 31, 2019 12:32 am

It is no different than using individual lots instead of average cost basis.

I was thinking the same thing. It will probably be much more effort for not much difference in return.
by StandingRock
Thu Oct 31, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: Should we downshift and move to Europe?
Replies: 40
Views: 5559

Re: Should we downshift and move to Europe?

Europe seems more affordable and safe environment for kids. Affordable and safe depends solely on the specific locales. Yeah, there are plenty of places in the US that are affordable and safe for kids. If that is the primary concern it seems extreme to go overseas. If you just happen to want to liv...
by StandingRock
Wed Oct 30, 2019 11:07 am
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 367
Views: 25014

Re: Holding bonds vs 100% equities

I'm surprised nobody has mentioned the big elephant: At some point, one has enough and is old enough that there's no NEED to take additional risk. You may WANT to be 100% stocks, but you don't NEED to be. That time will obviously be different depending on the investor. But for many here who have sa...
by StandingRock
Mon Oct 28, 2019 10:08 am
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 12865

Re: Inside Fisher Investments

I see their commercials on TV sometimes but never paid much attention. Kinda weird that he caught so much flak for what he said, you see and hear much worse on TV and radio quite often and nobody seems to care.
by StandingRock
Mon Oct 28, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: WaPo: Many Investors Have Sat Out Rally
Replies: 87
Views: 15716

Re: WaPo: Many Investors Have Sat Out Rally

Cheez-It Guy: Many Bogleheads Have Sat Out Previous Decade Of This Thread Yes, I don't even look at this forum that often, but I still occasionally see the people posting "Should I invest with the market so high" or some other variation of that question, fear is understandable but like they say eit...
by StandingRock
Mon Oct 28, 2019 7:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard advertising
Replies: 14
Views: 1504

Re: Vanguard advertising

Hockey10 wrote:
Mon Oct 28, 2019 7:50 am
I have noticed more Vanguard ads on the internet recently.
Might be the cookie monster stalking you.
by StandingRock
Fri Oct 25, 2019 11:42 am
Forum: Personal Investments
Topic: Emergency Fund - why not VTSAX?
Replies: 52
Views: 5306

Re: Emergency Fund - why not VTSAX?

To me the whole purpose of an emergency fund is to have the money available for emergencies. I agree... I think personal finance minded people conflate emergency funds with general cash reserves for whatever reason... If you need money this instant are you going to sell VTSAX and move the money aro...
by StandingRock
Fri Oct 25, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5577
Views: 478103

Re: U.S. stocks continue to soar!

Broken Man 1999 wrote:
Fri Oct 25, 2019 11:15 am


Still, tomorrow might bring a swoon. No guarantees up or down.

Tomorrow is Saturday.
by StandingRock
Wed Oct 23, 2019 10:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18784
Views: 2626184

Re: U.S. stocks in free fall

stocknoob4111 wrote:
Wed Oct 23, 2019 4:14 am
MotoTrojan wrote:
Wed Oct 23, 2019 12:19 am

Back up the truck!
I will.. around SPX 2600 if we ever get there.. not anywhere at these prices
Do you even invest?