Search found 46 matches

by jdouge
Fri Jun 15, 2018 3:36 am
Forum: Personal Finance (Not Investing)
Topic: Some questions about purchasing earthquake insurance in CA
Replies: 10
Views: 1163

Re: Some questions about purchasing earthquake insurance in CA

Celia, I can't explain why it happened, but last year, when I switched insurance companies, I did indeed get two different $ quotes for the same coverage through CEA. I didn't buy either, and now my present insurer will not offer me insurance through the CEA until next summer. They have also indicat...
by jdouge
Wed Jun 13, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Some questions about purchasing earthquake insurance in CA
Replies: 10
Views: 1163

Re: Some questions about purchasing earthquake insurance in CA

I called my home insurer, Geico (who insures my house through Traveler's). They only offer CEA insurance every two years. Since we transferred our home coverage to them last year, they will not offer CEA insurance again until next summer. And then it will be a take-it-or-leave it CEA offer that does...
by jdouge
Wed Jun 13, 2018 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Some questions about purchasing earthquake insurance in CA
Replies: 10
Views: 1163

Some questions about purchasing earthquake insurance in CA

I purchased, through my home insurance agent, earthquake insurance through GeoVera three years ago. Unlike the CEA offers, they have a "single limit" model. I am insured for house, personal property, loss of use, code updates up to $459k. I pay $900/year for the policy. Last year, I changed home ins...
by jdouge
Fri Apr 27, 2018 1:18 am
Forum: Personal Finance (Not Investing)
Topic: CA Public School Teacher - Union Dues, Pension Contribution
Replies: 17
Views: 2502

Re: CA Public School Teacher - Union Dues, Pension Contribution

Dues at $1000/year is consistent with where I teach (Central Coast). However, note that mandatory union contributions for public employee unions will probably be struck down by the SCOTUS later this year. That said, buying into the "old" retirement tier as a returning teacher is (in the long-term) a...
by jdouge
Thu Jul 20, 2017 5:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 175
Views: 26846

Re: Vanguard 403b Changes

I got my letter today, so they are still going out. 2- Would all the shares convert to Admiral shares? If this is the case, the savings in switching to Admiral shares would more than offset the cost of the $60 fee. Answer: Yes, if Admiral shares are available for those funds. There would be no minim...
by jdouge
Wed Jun 28, 2017 12:27 am
Forum: Personal Finance (Not Investing)
Topic: California State Teachers Pension
Replies: 4
Views: 780

Re: California State Teachers Pension

Your DB account is what leverages your pension. You don't want to touch that before or after you retire. I can't emphasize that enough. You cannot access the money in that account once you have started to receive the annuity.
by jdouge
Tue Jun 06, 2017 12:26 am
Forum: Personal Finance (Not Investing)
Topic: NY vs Utah 529?? Can't decide!
Replies: 23
Views: 3674

Re: NY vs Utah 529?? Can't decide!

I went for Utah many years ago, and when the NY plan changes, I considered moving our 529 there. The differences were so insignificant (although I would admit that NY would have saved us more money than the UT plan). To me, it was a trifling difference that didn't justify the time and energy to make...
by jdouge
Mon Jun 05, 2017 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 12025

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

I bank at Schwab, hold most of our investment accounts at Vanguard, except for my wife's 403(b) which is at Fidelity because her employer doesn't allow her to invest with Vanguard. All are excellent on the customer service end. I have seen complaints about Vanguard CS in these forums, but have never...
by jdouge
Thu Dec 22, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 95
Views: 24393

Re: Charles Schwab Checking + Brokerage Account

Like many posters above, I have had an account for years, have never used the attached brokerage account, and have never incurred any fees or pressure to use the brokerage account.

Great bank.
by jdouge
Mon Dec 19, 2016 2:40 am
Forum: Personal Finance (Not Investing)
Topic: Earthquake insurance
Replies: 12
Views: 2151

Re: Earthquake insurance

I have it. Close to fault lines. It's expensive, but was the only hole in our safety net. Helps me sleep at night.
by jdouge
Mon Dec 19, 2016 2:33 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 90
Views: 14323

Re: Charles Schwab Experiences?

I bank there (and invest at Vanguard), and can only say that they are excellent. When it came tim =e for me to assume my parents' finances, I moved their bank accounts there as well. Customer service is excellent; consistently very little wait time, pleasant and knowledgeable representatives. Free c...
by jdouge
Wed Dec 14, 2016 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Quicken still using old Intuit User Name?
Replies: 2
Views: 545

Re: Quicken still using old Intuit User Name?

Yes, you use the same user name and password. Slightly different login page.

YMMV, but it worked for me.
by jdouge
Sat Dec 10, 2016 3:48 am
Forum: Investing - Help with Personal Investments
Topic: UTMA/529 Combined asset allocation for college-bound daughter
Replies: 0
Views: 334

UTMA/529 Combined asset allocation for college-bound daughter

Dear Bogleheads, I am following up on my earlier post: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=202388&p=3101315#p3101315 Tl;dr: We plan to fully fund our daughter's four-year college education. She is currently 13, and will graduate from high school in 2021. We have 53K in a 529, and sh...
by jdouge
Fri Nov 04, 2016 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer from UTMA to 529 -- taxable?
Replies: 8
Views: 1930

Re: Transfer from UTMA to 529 -- taxable?

OK, got it now. Thanks for the clarifications, everybody.

Now all we have to do is decide how much to move, when, and how to invest funds in the UTMA and/or the 529 UTMA! :?
by jdouge
Thu Nov 03, 2016 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer from UTMA to 529 -- taxable?
Replies: 8
Views: 1930

Re: Transfer from UTMA to 529 -- taxable?

You are both correct; my wife is the custodian not the owner. My primary goal is to determine whether transfers from the UTMA we have set up into a 529 are taxable. Speaking with Vanguard before setting up the UTMA, they seemed to suggest that they were not; since we have set it up they are suggesti...
by jdouge
Mon Oct 31, 2016 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer from UTMA to 529 -- taxable?
Replies: 8
Views: 1930

Transfer from UTMA to 529 -- taxable?

Currently we have $53,000 in Utah's 529 plan in Vanguard funds. We have been contributing, lately, $10,000 a year. We plan to fully fund our daughter's four-year college education. She is currently 13, and will graduate from high school in 2021. After four years, my daughter's great-grandfather's es...
by jdouge
Sun Aug 28, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: "Vanguard Custodial Account Agreement" - Where can I find it?
Replies: 4
Views: 1895

Re: "Vanguard Custodial Account Agreement" - Where can I find it?

Thanks. One plain talk explanation, and one in legalese. Just what I needed to pass along. Plus some wise advice to consider when talking to the lawyer tomorrow. Much appreciated. Not sure why I was unable to locate these forms. Thanks to those of you who did. I will also get to work with the lawyer...
by jdouge
Sun Aug 28, 2016 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: "Vanguard Custodial Account Agreement" - Where can I find it?
Replies: 4
Views: 1895

"Vanguard Custodial Account Agreement" - Where can I find it?

So a lawyer is doing work on my parents' finances and asked me who my parents have named as beneficiaries on their IRAs with Vanguard. The answer is, they haven't named anyone. So the Vanguard site notes: "You have not named a secondary beneficiary. If your primary beneficiary predeceases you, and y...
by jdouge
Fri Jul 15, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 50209

Re: [Fidelity drops AmEx, Bank of America credit cards]

>And when I go to pay my balance at FIA, they won't let me pay the full amount: the "Bill Pay Choice" (which I have never used before, since I have been on Autopay since I got the card) lists my balance to be paid as more than $1000 less than what my account page says my balance is. Did you access ...
by jdouge
Thu Jul 14, 2016 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 50209

Re: [Fidelity drops AmEx, Bank of America credit cards]

Your old card will remain active until July 22. On July 23 your balance will be transferred to your new card . . . I just talked to customer service at FIA (Josie in California). She said with certainty that my new statement balance, when my AMEX card cycle closes on Friday, is automatically transf...
by jdouge
Sat Jun 11, 2016 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: CEA Earthquake Policy ...
Replies: 6
Views: 1151

Re: CEA Earthquake Policy ...

I declined what was offered through my homeowner's insurance and solicited quotes directly from providers. Went with GeoVera due to its ratings and price. Don't remember details. The key decision is the deductible, as you can imagine. Also made sure to get (can't remember the phrase, but coverage fo...
by jdouge
Thu Apr 21, 2016 9:00 pm
Forum: Investing - Theory, News & General
Topic: Recommended 529?
Replies: 33
Views: 5089

Re: Recommended 529?

Iorek wrote:I like Utah-- Vanguard and DFA funds and you can design your own age-based portfolio if you want. IIRC NY has some odd provision on changing beneficiaries, but you could always roll out of NY if you needed to.
I use Utah's for precisely these reasons.
by jdouge
Sat Feb 20, 2016 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Inurance Coverage
Replies: 18
Views: 2032

Re: Umbrella Inurance Coverage

I am in CA and pay $169 for $1.5 million through Geico, if that helps provide a data point.

Nothing to drive that up except a dog.
by jdouge
Wed Jan 06, 2016 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon.com Store Card
Replies: 68
Views: 16752

Re: Amazon.com Store Card

OK, thanks for the clarifications. I will apply presently!
by jdouge
Wed Jan 06, 2016 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon.com Store Card
Replies: 68
Views: 16752

Re: Amazon.com Store Card

Has anyone had trouble withe web interface with this card? I would want to able to download transactions into Quicken. And with that interest rate, I wouldn't want an auto-payment to go haywire. Also, I am a set-and-forget type. I assume that I can decline to purchase items using 0% financing and/or...
by jdouge
Wed Dec 23, 2015 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Locked out of RIRA 2015 due to inheritance? Now what?
Replies: 7
Views: 1325

Re: Locked out of RIRA 2015 due to inheritance? Now what?

Agreed. Thanks for the clarification!
by jdouge
Wed Dec 23, 2015 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Locked out of RIRA 2015 due to inheritance? Now what?
Replies: 7
Views: 1325

Re: Locked out of RIRA 2015 due to inheritance? Now what?

Yes, I was sloppy with my language there. The distributions from the beneficiary IRA are taxable. RMDs always are, and if we decide to take additional distributions, those are taxable as well. Did I get that right?
by jdouge
Tue Dec 22, 2015 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Locked out of RIRA 2015 due to inheritance? Now what?
Replies: 7
Views: 1325

Re: Locked out of RIRA 2015 due to inheritance? Now what?

Thanks very much for the response and clarification. I did know from earlier research that my wife's beneficiary IRA is taxable and AGI when distributed, and I guess overgeneralized to the cash bequest. But that makes sense: the money in the IRA was a tax deduction for my father-in-law when it was p...
by jdouge
Tue Dec 22, 2015 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Locked out of RIRA 2015 due to inheritance? Now what?
Replies: 7
Views: 1325

Locked out of RIRA 2015 due to inheritance? Now what?

Need some clarifications and/or advice. Since my conversion to Bogleing in 2007, I resist any financial advice from anyone except Vanguard, books recommended on the wiki, or advice in this form. I think I have sorted out my present predicament well enough to avoid going to a tax advisor/planner/prep...
by jdouge
Wed Sep 04, 2013 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Help switching Insurance - anyone use Geico??
Replies: 30
Views: 3453

Re: Help switching Insurance - anyone use Geico??

Been with Geico 23 years, never found a lower rate. Two claims in that period, both handled with speed and courtesy.
by jdouge
Thu Sep 06, 2012 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Question re: moving parents' retirement accounts to Vanguard
Replies: 14
Views: 1574

Re: Question re: moving parents' retirement accounts to Vang

I speak with the CFP next week. Thanks; I'll be armed with this info.
by jdouge
Mon Sep 03, 2012 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Question re: moving parents' retirement accounts to Vanguard
Replies: 14
Views: 1574

Re: Question re: moving parents' retirement accounts to Vang

Not Bob, thanks for the tip -- those threads look like they will be valuable if/when my mother encounters a prognosis like my father's. Because the IRAs are all in her name? I was suggesting the information would be useful for managing assets in your father's name, for your mother's benefit, when h...
by jdouge
Sun Sep 02, 2012 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Question re: moving parents' retirement accounts to Vanguard
Replies: 14
Views: 1574

Re: Question re: moving parents' retirement accounts to Vang

Thanks for the many helpful responses. It looks like price markups on (probably) stock and (certainly) bond purchases are the culprit (I go to Larry Swedroe's CBS site once a week, but either missed or read and didn't remember that article). Thanks for the pointer to investinginbonds.com. I will che...
by jdouge
Sun Sep 02, 2012 2:11 am
Forum: Investing - Help with Personal Investments
Topic: Question re: moving parents' retirement accounts to Vanguard
Replies: 14
Views: 1574

Question re: moving parents' retirement accounts to Vanguard

My parents (in their 70s) have asked me to move their retirement account, ~975k to Vanguard from Merrill Lynch (ML). No-brainer, right? I did the same thing with my money five years ago (and was greatly helped by participants on this forum!) and have not regretted it in any way. My father has a medi...
by jdouge
Thu Jan 06, 2011 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Merill Lynch Versus Vanguard
Replies: 30
Views: 8386

The only thing "good" that came from my brief association with ML, is that they stuck it to me so badly, I was inspired to learn how to manage my own investments. My experience summed up precisely in a sentence. I don't know much about Wells Fargo or Scottrade, but I now know a lot about Vanguard (...
by jdouge
Thu Feb 18, 2010 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken and Schwab
Replies: 7
Views: 4731

What sportal said about the Schwab Visa . . . it will have a separate username, password, download, etc. I haven't had any problems with the Schwab brokerage downloads (note that checking can, but savings can't, be downloaded). The brokerage is "Charles Schwab & Co.," while checking is "Charles Schw...
by jdouge
Wed Sep 09, 2009 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Merrill Lynch comes through again...
Replies: 12
Views: 2864

Re: Our best investment decision

Well, ML is at it again.... http://www.investmentnews.com/apps/pbcs.dll/article?AID=/20090908/REG/909089987/1094/INDaily01 Why anyone would do any form of business with these clowns is beyond me. BruceM Hi Bruce: As I look back, moving our investments from Merrill Lynch to Vanguard in 1986 was the ...
by jdouge
Sat Sep 05, 2009 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing and Dollar Cost Averaging
Replies: 2
Views: 1233

That's exactly what I was looking for -- another "take," a/k/a a sanity check! I'm glad to see that your choice concurs with mine; your comment on cash drag explains in a phrase what I tried to explain in a paragraph. As far as the rebalancing goes, I'll go ahead with option #2 (today) and try to qu...
by jdouge
Sun Aug 30, 2009 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing and Dollar Cost Averaging
Replies: 2
Views: 1233

Rebalancing and Dollar Cost Averaging

I have finally (with a few hundred dollars of loose ends being tied up) moved all of out moveable funds to Vanguard. My portfolio is as follows. (I'm not sure how necessary its composition is to this discussion, but I've quickly learned that too much info is much better than not enough!) His 403(b) ...
by jdouge
Fri Aug 14, 2009 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Accounts transferred to Vanguard: to ETF or not ETF?
Replies: 5
Views: 1634

Thanks for the feedback -- it looks like, for simplicity and certainty, NOT buying the ETFs is the way to go. Particularly for the emotional and psychological reasons cited by Rob't, I think that's the right course to take. Thanks for the responses. Now I just have to sit and wait for my old, bad, l...
by jdouge
Thu Aug 13, 2009 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Accounts transferred to Vanguard: to ETF or not ETF?
Replies: 5
Views: 1634

Accounts transferred to Vanguard: to ETF or not ETF?

General (not sure all of this is relevant to my question, but just in case it is -- and to follow guidelines! -- here it all is): Emergency funds = 36,000 in no-interest checking, not included in asset %s Debt: Car loan: $19,000 remaining 5.6 Mortgage: 249,000 on house worth 555,000; 5.375% interest...
by jdouge
Sat Aug 08, 2009 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Request for help on new portfolio -- big shift!
Replies: 11
Views: 2552

There are advantages to having money in taxable (like if you retire before 59.5). There are advantages to have it in Roth. We'll know afterwards which would have been best. Exactly! I can finally begin to put this into action on Wednesday, when my account transfer is complete. But I think at this p...
by jdouge
Mon Aug 03, 2009 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Request for help on new portfolio -- big shift!
Replies: 11
Views: 2552

What's left are (rather subjective) decisions on cycling the taxable account money into our 403bs, and funding the RIRAs vs. the 403bs -- though we won't have to make that decision until our next enrollment periods (November and April). Flip a coin. These decisions may carry little importance in yo...
by jdouge
Fri Jul 31, 2009 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Request for help on new portfolio -- big shift!
Replies: 11
Views: 2552

Here is an idea that I believe is simpler. Some of my thinking is below. Yes, that will be simpler. I've found a spreadsheet on the Bogleheads Wiki that will make rebalancing even easier given this distribution. I put international in your taxable account because you can get the foreign tax credit....
by jdouge
Thu Jul 30, 2009 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Request for help on new portfolio -- big shift!
Replies: 11
Views: 2552

Thanks for the response! I have edited the post above to include proper pension estimate and tax rates, and added our 529 plan details and your kind reformatting of our target portfolio. Before getting to your questions, I have a couple of questions myself. Are you sure you are in the 28% federal ta...
by jdouge
Thu Jul 30, 2009 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Request for help on new portfolio -- big shift!
Replies: 11
Views: 2552

Request for help on new portfolio -- big shift!

General: Emergency funds = 36,000 in no-interest checking, not included in asset %s Debt: Car loan: $19,000 remaining 5.6 Mortgage: 249,000 on house worth 555,000; 5.375% interest Tax Filing Status: Married filing Tax Rate: 25% Federal 9.3% State (California) Age: 42/41 (spouse) Desired Asset alloca...