Search found 224 matches

by juliewongferra
Sun Nov 04, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18267

Re: Vanguard website "unavailable during weekend of Nov 3"

I'm sure if you had 3 or 4 billion banked at Vanguard, you probably got the heads up on the Vanguard upgrade. For the rest of the unwashed masses....get over it. In all of recorded history it has never worked like this. There's no getting over it. The higher caste will always get what's coming to t...
by juliewongferra
Sat Nov 03, 2018 11:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18267

Re: Vanguard website "unavailable during weekend of Nov 3"

When someone's financial information will be unavailable for a weekend, with zero notice? Not everyone is a Boglehead and constantly thinking about investments, and probably checking in online frequently. And to be blunt, the fact that so many *here* were upset/concerned that the site was suddenly ...
by juliewongferra
Sat Nov 03, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18267

Re: Vanguard website "unavailable during weekend of Nov 3"

Vanguard asked members of the Steering Committee last week what kind of notification people would like in case of the web site being down. Given that they'd informed me for weeks via the huge banner on the top of their site, I said I thought an email was unnecessary. I have logins to hundreds of we...
by juliewongferra
Thu Oct 25, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: HSA: payroll deduction or write a check?
Replies: 5
Views: 720

Re: HSA: payroll deduction or write a check?

Thank you everyone for your help and thoughts. I am hoping to be able to work with my finances better to take advantage of my HSA!

cheers!
jwf
by juliewongferra
Wed Oct 24, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: HSA: payroll deduction or write a check?
Replies: 5
Views: 720

HSA: payroll deduction or write a check?

Hello friends! I have an HSA through my employer with Optum bank. Not very happy with the vendor--there are fees to do almost anything--but I am comfortable with having it until I leave, when I assume that I can transfer the funds to another custodian (for a fee of $20 to Optum, of course!) My emplo...
by juliewongferra
Mon Oct 22, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't Fridays be higher than average due to 401k contributions?
Replies: 44
Views: 3214

Re: Shouldn't Fridays be higher than average due to 401k contributions?

JustinR wrote:
Mon Oct 22, 2018 3:40 pm
Tens of millions of people automatically buy on Fridays. Does that make Fridays higher on average than other days? If not, why?
Tens of millions of people automatically buy on days that aren't Friday, also! Who says that Friday is a higher purchase day than others?

cheers,
jwf
by juliewongferra
Mon Oct 22, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8640

Re: Quitting w/o notice

There are some recommendations here that are correctly advising to milk any possible short-term and long-term disability programs. It is very hard for mentally vulnerable people to play the disability cat-and-mouse tricks. But if OP is in a position to do so (short and long term disability plans ex...
by juliewongferra
Mon Oct 22, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Additional charges for kids in Las Vegas hotels
Replies: 25
Views: 2681

Re: Additional charges for kids in Las Vegas hotels

Hi, For all the hotels in Las Vegas, there are additional person charges for kids below 10 year old also which is like $30/40 per night. If I select 2 bed room and put 2 adults, charges are normal but if I add 2 children for the same 2 bed room, the price increases a lot (there is no free breakfast...
by juliewongferra
Mon Oct 22, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Retire now or in the Spring. - changing work conditions
Replies: 35
Views: 3645

Re: Retire now or in the Spring. - changing work conditions

I had a plan to fill up my 401k in the spring of 2019 and retire. However, recent work changes involve me, beginning in mid December, covering the work areas of at least two people in areas that I have not worked in for decades. It will be high stress, low reward work. You may need to know a little...
by juliewongferra
Tue Oct 09, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity - Via Staffing Agency
Replies: 29
Views: 2307

Re: Job Opportunity - Via Staffing Agency

I would prefer to eliminate the middle man staffing agency altogether, but I don't know how stringent the Firm's contract is with them. I understand your preference, but the staffing agency did in fact put you and the firm in contact with one another, which is their job, so they deserve to be invol...
by juliewongferra
Sun Oct 07, 2018 8:30 pm
Forum: Investing - Theory, News & General
Topic: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat
Replies: 77
Views: 7985

Re: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat

Let's be clear: They're not zero cost. They're subsidized by other funds. So unless you invest only in the ZERO funds, you're paying the cost somewhere else in your portfolio. Or, perhaps ethically worse, you're pushing your costs onto someone else. I'm not sure I want to save a few basis points on...
by juliewongferra
Sun Oct 07, 2018 5:49 pm
Forum: Investing - Theory, News & General
Topic: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat
Replies: 77
Views: 7985

Re: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat

All these let’s-bash-Fidelity threads seem childish to me. I think it’s wonderful that Fidelity has lowered both minimum investments and expense ratios on many existing funds and that they have introduced four new ZERO funds. Competition is good for investors no matter which brokerage they use or w...
by juliewongferra
Tue Sep 11, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Timing entry into Fidelity Zero index funds
Replies: 10
Views: 1305

Re: Timing entry into Fidelity Zero index funds

There seems to be a lot of conjecture that these funds will be less tax-efficient but there is yet to be any definitive information I've been able to find. I agree. I have seen a lot of conjecture about Fidelity's funds, like about the Zero funds (and previously about whether the company actually w...
by juliewongferra
Mon Sep 10, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Timing entry into Fidelity Zero index funds
Replies: 10
Views: 1305

Timing entry into Fidelity Zero index funds

Hello friends! I'm very attracted to Fidelity's Zero index funds, as I know many others are as well, based on some of the posts here. But I would be investing in a taxable account, so would it make sense to wait a few quarters to see what the funds' distributions (dividends and capital gains) look l...
by juliewongferra
Mon Aug 13, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 10184

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

What's actionable is to review your asset allocation and rebalance if things have gotten out of whack. But this should ALWAYS be the case, on an annual basis (or by rebalancing bands, or other measures outlines in an IPS). We shouldn't be scared by voodoo forecasts form Cramer, CNBS, Vanguard, Bogl...
by juliewongferra
Mon Aug 13, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 10184

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

arcticpineapplecorp. wrote:
Sat Aug 11, 2018 12:04 pm
Thank you. I look forward to buying more shares at lower prices with the same amount of money.
Not true, necessarily. A recession does not mean that share prices go down. Share prices can stay the same (or rise) during a recession, because the stock market is not the economy!

cheers,
jwf
by juliewongferra
Mon Aug 13, 2018 12:06 pm
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 10184

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

"Vanguard Warns of Worsening Odds for the Economy and Markets" https://www.nytimes.com/2018/08/10/business/vanguard-recession-economy.html The chances of a recession by the end of 2020 are mounting. And the prospects for the American stock market in the next decade have worsened appreciably. Those ...
by juliewongferra
Tue Jun 12, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3683

Re: How to convince my co-worker to invest more?

I have become the "go to guy" at work with the younger employees in regards to 401k, retirement, etc.. I NEVER push. I provide the different options, on-line calculators, and general access to resources. I have found throughout the years that pointing out the tax savings angle has the most successf...
by juliewongferra
Tue Jun 12, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3683

Re: How to convince my co-worker to invest more?

Did your co-worker ask for your advice? If the answer is no, then stay out of it, it's none of your business. Well, yeah. He asks me questions all the time like "What's the difference between an IRA and a 401k?" When we switched 401k providers last year, everyone on my team met in my office to ask ...
by juliewongferra
Wed May 30, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Co-beneficiary on a bank CD: all beneficiaries must be present?
Replies: 9
Views: 896

Re: Co-beneficiary on a bank CD: all beneficiaries must be present?

Dear Bogleheads, I wanted to thank everyone again for the thoughts (and commiseration, lol!). So I called a different branch of the same bank and was told that as a co-beneficiary, I could bring the paperwork and be entitled to my portion of the CD, which Alan S. suggested!!! (And although I call Al...
by juliewongferra
Wed May 23, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Co-beneficiary on a bank CD: all beneficiaries must be present?
Replies: 9
Views: 896

Re: Co-beneficiary on a bank CD: all beneficiaries must be present?

Thanks for all your replies! The main challenge is that's it's not *a lot* of money. Probably a little under $1,000. And it's not worth the other beneficiary's time to fly all the way over here and/or risk losing her job for $400 dollars. I will explain to the bank and see if they can accept anythin...
by juliewongferra
Wed May 23, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Co-beneficiary on a bank CD: all beneficiaries must be present?
Replies: 9
Views: 896

Re: Co-beneficiary on a bank CD: all beneficiaries must be present?

dm200 wrote:
Wed May 23, 2018 11:32 am
What might have been simpler is to have had several different accounts - each with a single beneficiary.
I agree! This is what I suggested in my original post!

cheers,
jwf
by juliewongferra
Wed May 23, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Co-beneficiary on a bank CD: all beneficiaries must be present?
Replies: 9
Views: 896

Co-beneficiary on a bank CD: all beneficiaries must be present?

Dear Bogleheads, I just learned that I am a co-beneficiary on a bank CD of someone who has passed away. The bank told me that both beneficiaries must be present with all documents (e.g., proof of our identity, death certificate, etc.) At that point, the bank can release the all funds in proportion t...
by juliewongferra
Tue Apr 03, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a house of 600-700k?
Replies: 56
Views: 5361

Re: Can we afford a house of 600-700k?

Wife and I are both 33 years old. One kid (2) with another on the way in June. Salaries and Assets: Household income: $186k (H: 82k W: 104k) Savings: 42k. Retirement Savings: 355k (currently contributing $46k per year to all accounts) Equity in current home: ~$215k (not including future realtor’s f...
by juliewongferra
Mon Mar 19, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: conversation about finances/spending with significant other?
Replies: 33
Views: 3049

Re: conversation about finances/spending with significant other?

Dear everyone, Thank you so much for your thoughts, words of encouragement, and words of warning. I really appreciate the time you took to help me think about this. I hope that some of you check back, because I do want to thank each of you personally, but in my experience, I only get a notification ...
by juliewongferra
Mon Mar 19, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: conversation about finances/spending with significant other?
Replies: 33
Views: 3049

conversation about finances/spending with significant other?

Hi Bogleheads, I get that we should not give unsolicited investment/spending advice to friends and family--I truly, truly get that. But I also know that finances is one of the main things that couples fight about and separate over. So I could use some help. I have been dating my boyfriend for a litt...
by juliewongferra
Tue Mar 13, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Alternative to bond funds?
Replies: 32
Views: 5075

Re: Alternative to bond funds?

My wife and I currently have about 20% of our holdings in VBIRX (Vanguard Short-Term Bond Index Fund Admiral Shares.) This fund has a negative yield YTD, and this is also the case with many other bond funds. Any recommendations for suitable alternatives? Thanks! This is wrong! It might have a negat...
by juliewongferra
Tue Mar 13, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 10533

Re: Dave Ramsey on Bonds

I think some of Dave Ramsey’s principles are fine, and even good for people that are generally not good and disciplined with their money. He is very debt-averse. However, for truly increasing net worth, it is worthwhile to buy a home with a 15 year 3.5% mortgage if that means you also have that mon...
by juliewongferra
Sat Feb 17, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off ...next steps
Replies: 31
Views: 5821

Re: Laid off ...next steps

I got laid off on Tuesday. Our small satellite office of 4 people got shut down and everyone was let go. I am 36 and this is my first time experience with this event. Financially I am ok. I have money in high yield savings accounts that amounts to 1 year worth of expenses. My retirement pile is abo...
by juliewongferra
Sat Feb 17, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: The Final Frontier...just did my own taxes!
Replies: 14
Views: 1031

Re: The Final Frontier...just did my own taxes!

I started doing this a couple of years ago and the process has given me quite a bit of insight into the ins-and-outs of the tax code. My college teacher use to say the same thing! Something like, learning the tax code is the secret to knowing what the government wants to encourage us to do, based o...
by juliewongferra
Sat Feb 17, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: The Final Frontier...just did my own taxes!
Replies: 14
Views: 1031

Re: The Final Frontier...just did my own taxes!

With all the confidence I gained from reading the many threads about doing your own taxes, I finally took the plunge this year. Three years after shedding my financial advisor and saving about $30,000 annually in investment expense, I took control of my own tax return. I was very intimidated due to...
by juliewongferra
Tue Feb 13, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: 1099-DIV does not equal income dividends?
Replies: 8
Views: 1385

Re: 1099-DIV does not equal income dividends?

Dear Epsilon Delta, House Blend, jebmke, and livesoft Thank you all soo much for helping me puzzle this out. True, 1099-DIV Box + Dividends on statements 6 = Box 1a! The mystery is solved. I'm sorry I couldn't figure it out myself. (I did get a little confused because the Foreign Income amount on th...
by juliewongferra
Mon Feb 12, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: 1099-DIV does not equal income dividends?
Replies: 8
Views: 1385

1099-DIV does not equal income dividends?

Dear Bogleheads, I was looking at my 1099-DIV, ready to do my taxes, and noticed that neither the total ordinary dividends or the qualified dividends for my FTSE All World ex-US equal the total income dividends from 2017, as reported on my quarterly statements. (I did not sell any shares in 2017, no...
by juliewongferra
Tue Feb 06, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: Are Japanese Stocks Cheap?
Replies: 30
Views: 3584

Re: Are Japanese Stocks Cheap?

Cheap does not mean good value!!! And expensive does not mean bad value!!! What does it mean, then? 'Cause personnally I would think that is exactly the definition of cheap and expensive... Do you own a cheap suit or dress? It may fall apart after 1 or 2 washes. Maybe it cost only $10, but you will...
by juliewongferra
Mon Feb 05, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a job in a different state?
Replies: 31
Views: 2380

Re: How to find a job in a different state?

You could also contact a headhunter in your target city even though the general preference would be not to use a headhunter if you can avoid it. This is an excellent point!! Even though it may seem helpful to have a headhunter who knows the lay of the land and has connections in a new city, they do...
by juliewongferra
Mon Feb 05, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a job in a different state?
Replies: 31
Views: 2380

Re: How to find a job in a different state?

Rent a PO Box in the city you want to work in. Employers will not mail you anything until you are hired (or about to be). Could even used Informed Delivery if you are worried. This way, when your resume comes across it looks like you are local. Sure, but unless you work for a national company, your...
by juliewongferra
Mon Feb 05, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: "A Target-Date Fund Series Wins Gold"
Replies: 35
Views: 4582

Re: Why I have no international stocks.

Back on topic, I see no reason why this analyst rating of Gold should be trusted more than any other analyst rating. That it is positive for Vanguard funds does not seem quite sufficient. Thank you! I agree. And thank you for reassuring me that this thread got totally sidetracked from Taylor's init...
by juliewongferra
Mon Feb 05, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Question / Lay off Question
Replies: 5
Views: 827

Re: 401k Question / Lay off Question

Hi all, I have a 401k / lay off question. I got laid off recently but have been given 60 days notice under the WARN Act. I'll therefore be employed for 2 more months and will get regular pay checks, including the 401k matches up to 5%, for the next 60 days. I also get my severance as long as I do n...
by juliewongferra
Mon Feb 05, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: Are Japanese Stocks Cheap?
Replies: 30
Views: 3584

Re: Are Japanese Stocks Cheap?

Hello all I am new here, but not new to investing (especially at Vanguard). I thought I would direct your attention to an interesting article that appeared in the Wall Street Journal on February 2, 2018 entitled "Japanese Stocks are Looking Inexpensive." The article points out that nine of the 10 p...
by juliewongferra
Mon Feb 05, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: "A Target-Date Fund Series Wins Gold"
Replies: 35
Views: 4582

Re: "A Target-Date Fund Series Wins Gold"

Bogleheads: Morningstar has completed a "forward looking" analysis of 20 of the largest target-date mutual funds. Vanguard target-date funds are among the three top-rated gold funds. Good Target-Date Funds are my favorite funds for investors with portfolios with all tax-advantaged accounts. The mor...
by juliewongferra
Mon Feb 05, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Books or resources on renting a home?
Replies: 3
Views: 362

Books or resources on renting a home?

Bogleheads, So this is maybe a weird question, but I was wondering if anyone can share a good book or website for renting a house, apartment, etc. There are many resources for home buyers (like Home Buying for Dummies and other books), but I am not financially or emotionally ready for such a big com...
by juliewongferra
Tue Jan 02, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Financial (or other planning) for job switching
Replies: 5
Views: 731

Re: Financial (or other planning) for job switching

I'm not currently planning any contribution changes in my 401k, will still contribute to max out as if I was staying the whole year. Any reason to max early? Some companies don't let you join their 401ks right away, right? So maybe I should make sure I max out this year with my current employer? Ho...
by juliewongferra
Wed Dec 27, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Most conservative allocation in Inherited IRA due to taxes?
Replies: 11
Views: 931

Re: Most conservative allocation in Inherited IRA due to taxes?

You have good instincts. Normally, when someone has RMDs starting for the year they turn 70 1/2, the divisor is much lower and thus the RMDs much higher. In their case it is generally better to have their lower returning/lower volatility assets in accounts under RMDs. The benefit is much smaller wi...
by juliewongferra
Wed Dec 27, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Most conservative allocation in Inherited IRA due to taxes?
Replies: 11
Views: 931

Re: Most conservative allocation in Inherited IRA due to taxes?

We put our inherited IRAs in a single bond fund. The RMD is used to go out to dinner on our mothers' birthdays. You could for a few years put the money in something more aggressive in order to try to grow above $10,000 and get the proverbial Admiral shares. As far as asset allocation goes, I don't ...
by juliewongferra
Wed Dec 27, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Most conservative allocation in Inherited IRA due to taxes?
Replies: 11
Views: 931

Most conservative allocation in Inherited IRA due to taxes?

Dear Bogleheads, So the short story is that my uncle unfortunately passed away earlier this year, and he left me an inherited IRA of about $7,500. (Not sure why he didn’t leave it all to my cousin, but I guess he liked to spread it around?) Anyways, thanks very much to this site and the previous con...
by juliewongferra
Wed Dec 20, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: 100% equity folks- holding any cash/bonds now?
Replies: 50
Views: 5381

Re: 100% equity folks- holding any cash/bonds now?

No cash and no bonds. So far so good. Maybe so, but this is backward-looking. OP is not talking about the past; OP is talking about the future. (There is an inability to predict the future, yes, but the fact that your allocation is "so far so good" does not mean that it'll continue to be so.) cheer...
by juliewongferra
Mon Dec 11, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 3384

Re: Do girls wear Ninja Turtle character shoes

The original post makes me sad. Interest and gender are not intrinsically linked, only loosely correlated. Ninja turtles are popular regardless of gender +1,000,000! And it's only loosly correlated because of society's prevailing attitudes about what boys "should" be interested in and what girls "s...
by juliewongferra
Mon Dec 11, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 3384

Re: Do girls wear Ninja Turtle character shoes

Do: Get your son the shoes :D Don't: Tell him can't wear girl things or the shoes were mislabeled :( Do: Tell your son some girls like Ninja Turtles :P Don't: Let him be mean to girls who like Ninja Turtles, or tolerate other people being mean :oops: Do: Explain that some people have wrong ideas ab...
by juliewongferra
Tue Dec 05, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 11336

Re: Why should I donate to my alma matter?

By the way, college admissions officers pay big fees to consultants who use econometric methods to predict which applicants will be most likely to donate generously after college graduation. Are you sure about this ? A significant percentage of students at top schools are south asian and asians. Th...