Search found 11 matches

by thesandman
Sun Jan 21, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Window replacement - any advice? Lessons learned?
Replies: 63
Views: 13164

Re: Window replacement - any advice? Lessons learned?

Check out Andersen 100 windows at Home Depot. Essentially a single hung version of Andersen Renewal. HD list price for 100's is lower than most dealers. They also run an Andersen 15% discount every couple of months. Plus, if your HD order is big enough, go to the Pro Desk and they will review your ...
by thesandman
Wed Mar 23, 2016 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Carte blanche to set up company 401k---thoughts?
Replies: 14
Views: 1927

Re: Carte blanche to set up company 401k---thoughts?

I moved the one I had (small business owner 10 employees) from Nationwide with high cost funds (fees paid from plan participants) to Ascensus/Vanguard - costs were about $2500 per year for the first 15 participants and $40 per year for every employee over that - total cost for 25 (I would think) ab...
by thesandman
Wed Mar 23, 2016 7:19 pm
Forum: Personal Investments
Topic: 401(k) plan- Vanguard vs Employee Fiduciary
Replies: 11
Views: 3145

Re: 401(k) plan- Vanguard vs Employee Fiduciary

All ERISA issues aside, can someone show me a plan with low cost, diversified index fund offerings where there was ACTUALLY a DOL action against the plan sponsor? E.g. you offer a TSP-esque line up with VG Target Date funds + index funds only and you offer them basically at investor/admiral share e...
by thesandman
Mon Mar 21, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Carte blanche to set up company 401k---thoughts?
Replies: 14
Views: 1927

Re: Carte blanche to set up company 401k---thoughts?

Our small company (20-25 employees) currently has an American Funds Safe Harbor 401k plan. While the matching aspect of the employer is very generous, the ER of the funds (1.4-1.7%) and the fund choices are generally quite poor. I've presented this to my employer and they have basically given me ca...
by thesandman
Sat Aug 03, 2013 11:29 pm
Forum: Investing - Theory, News & General
Topic: Consumer Reports references Bogleheads.org
Replies: 24
Views: 5643

Re: Consumer Reports references Bogleheads.org

On a related topic, a yale professor sent out letters to 1000's of high cost 401k plans letting them know that he had performed a study on 401k plans across the US and was planning to publish the results, showing which companies fell into the high cost plans. It is pretting funny to read the letter ...
by thesandman
Mon Feb 25, 2013 5:51 am
Forum: Investing - Theory, News & General
Topic: Just Can't Trust BOA
Replies: 25
Views: 2964

Re: Just Can't Trust BOA

Credit union for me. I like the idea of them being mutually owned systems geared towards benefiting their members (I know that there are some crappy ones that do not look out for their members, but those are the minority and easy to spot). This may also be why I love vanguard so much. Along with my ...
by thesandman
Thu Feb 03, 2011 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Pen Fed Issuing New Credit Card Numbers
Replies: 72
Views: 13504

Freezing credit report

I signed up for the service and fortunately did not see any strange activity on any of my credit reports. I actually have had random fraudulent credit card activity on a FIA and Citibank card during the past 2 months, which is starting to get me concerned. I plan to freeze my credit reports just lik...
by thesandman
Thu Feb 03, 2011 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Old, Cheap Cars Considered Harmful
Replies: 89
Views: 8700

Airbags, side impact protection beams, Crumple Zones, Windshield (did you replace yours with a "cheaper" replacement?), tire pressure monitoring just to name a few. Yes, older cars are less safe. But at least part of the safety system is between one's ears, which is helpful -- don't drive impaired,...
by thesandman
Thu Feb 03, 2011 8:53 pm
Forum: Personal Consumer Issues
Topic: happy chinese new year bogleheads
Replies: 22
Views: 2518

Gong Hei Fat Choy !
by thesandman
Thu Feb 03, 2011 8:50 pm
Forum: Investing - Theory, News & General
Topic: How old were you when you became completely debt free?
Replies: 70
Views: 7822

I am in my 30's and have more than enough in savings to pay off all my debt, but with loans being so cheap right now, I am making more on mutual funds/etfs than I am losing in interest.
by thesandman
Thu Nov 11, 2010 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: state farm versus allstate for insurance
Replies: 21
Views: 13391

Amica Insurance is great I second that. In 2008 I I built an Excel spreadsheet of nearly complete list of 70 insurance companies in my state, and used four sites for reseach to narrow it down to ~30 that I could consider getting quotes from because they were OK and offered home AND auto policies in...