Search found 1852 matches

by blevine
Sun Jul 15, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 61
Views: 3170

Re: Are Credit Cards Actually Convenient?

I have had this happen a few tines but still a small % of my many charges over the years. Some suggestions : 1) Let the issuing bank know ahead of time if you plan to travel far, especially overseas. They have this process fairly automated, some banks have webforms to select the destination and othe...
by blevine
Sun Jul 15, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Accepted new job, immediately laid off at old one?
Replies: 30
Views: 4594

Re: Accepted new job, immediately laid off at old one?

Congrats on the new position, and the wonderful unexpected “bonus”. I would not worry so much. The new employer must spend $$$ to run the background check and drug test, the hiring manager would not be able to get hr to process these steps if there was no budgetary approval for the spot. That said r...
by blevine
Thu Jul 12, 2018 5:51 am
Forum: Personal Finance (Not Investing)
Topic: Management at Megacorp
Replies: 26
Views: 2936

Re: Management at Megacorp

Seems to me companies want people from their industry mostly. Better to go to an industry you may enjoy and work your way up.
by blevine
Thu Jul 12, 2018 5:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 49
Views: 8489

Re: Vanguard - You'll need to sign up for security codes soon

I already use Symantec for 2 other important accounts, and prefer Vanguard offers this. Yes open standards would be better, but until a majority of the majors offer it, google/authy is yet another app i need to install.

I also have another auth app for my employer, so 2 now, and counting....
by blevine
Sun Jul 08, 2018 6:57 am
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2377

Re: E- Billing & Autopay

Two different issues here when it comes to death and account closure. My utility bills are split, some in wife’s name, some in mine. But the checking account we use to pay them is joint. So yes, if someone dies, some utilities would be impacted depending on whose name was on the account, but that sh...
by blevine
Sun Jul 08, 2018 6:49 am
Forum: Investing - Help with Personal Investments
Topic: Diversifying Employee Stock Options when options > 4x portfolio
Replies: 8
Views: 591

Re: Diversifying Employee Stock Options when options > 4x portfolio

You did not say the expiry of the options. Shorter the expiry, the more risk they can decline and never recover before expiry. I worked for one of the highest margin S&P 500 firms, got long term options each year. The stock fell out of favor and my initial large grant was out of the money for a long...
by blevine
Mon Jul 02, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12747

Re: What are your property taxes?

NYC burbs
$15k on tiny lot
I know others with more land/house who pay $40k
But at least we have low income tax (NOT).

My $15k paid for top public schools and was a bargain compared to private school....until your kids graduate from HS
and you are still paying. Then it's a problem :-(
by blevine
Sun Jul 01, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 10740

Re: Feel like I'm sinking money into international

I am with you on this, and have tilted towards US stocks for the past 5-6 years. This is personal preference but seems to have worked out for me thus far. However, I won't be surprised if the Int'l investing community has an "i told you so" moment in the near future :wink: FWIW, one of my favorite ...
by blevine
Sat Jun 30, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 10740

Re: Feel like I'm sinking money into international

The whole point of index fund investing is to stop focusing on this. If you have a portfolio of individual stocks, it would be perfectly reasonable to think “this company has seen it’s best days” and sell. Do you really think all stocks outside the US have seen their best days ? Personally I can’t b...
by blevine
Wed Jun 27, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10335

Re: Lost out on promotion

Well as someone who went a very long career with the same firm and not promoted, I can tell you there are benefits : 1) I no longer have to go above and beyond 2) I no longer work eves and weekends 3) I no longer volunteer for anything optional that would be "for show" to management 4) I still get m...
by blevine
Mon Jun 25, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Betterment fined
Replies: 12
Views: 2513

Betterment fined

http://www.investmentnews.com/article/2 ... from-finra

Not sure what they did sounded so bad, but thought those of you using or considering using Betterment should know.
by blevine
Sun Jun 24, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Question about NY 529 plan
Replies: 7
Views: 407

Re: Question about NY 529 plan

I had funded and already spent the NY 529 on 2 kids. While I did open 2 accts, mainly so I could name 2 beneficiaries, that turned out to not be necessary when they were young. Most certainly you can open one acct, add $10k/year while married filing jointly. Down the line if you want to split for 2+...
by blevine
Sun Jun 24, 2018 6:41 am
Forum: Personal Finance (Not Investing)
Topic: How to pay college tuition from a 529?
Replies: 56
Views: 5081

Re: How to pay college tuition from a 529?

I had 529 send check to 2 different colleges. No problems with either college or the IRS. I hated having to go with paper checks, but leaving your self out if the transaction, I have heard, avoids IRS love letters. So I went with the advice and all was well. Would do it again, except spent all our 5...
by blevine
Sat Jun 23, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: 1st Vanguard Complaint in 30 years
Replies: 21
Views: 4003

Re: 1st Vanguard Complaint in 30 years

It is helpful to inform the public of issues so others can decide if they want to take the same actions or not. I have heard enough complaints about transfers of ira, would never transfer an ira to vanguard, or do anything that required any manual effort on the part of their customer service. I do h...
by blevine
Sat Jun 23, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA EFC number shock! [Expected Family Contribution]
Replies: 54
Views: 6685

Re: FAFSA EFC number shock! [Expected Family Contribution]

Private schools where my kids applied and got merit, and there were a few, NONE asked for fafsa as a requirement for the merit.

And of the public schools they applied, 3 gave merit, and only 1 of the 3 asked for fafsa.

So my experience, fafsa was not necessary in most cases.
by blevine
Fri Jun 22, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: Marriott hotels using Alexa/Echo in guest rooms?
Replies: 34
Views: 3148

Re: Marriott hotels using Alexa/Echo in guest rooms?

I stayed at a Best Western in Chicago recently, and this was installed. We had a blast playing with it for a few minutes, then unplugged it, physically with a connector under the device. Easy. Nothing to worry about folks.
by blevine
Thu Jun 21, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: Are mutual funds safer than ETFs?
Replies: 15
Views: 1744

Re: Are mutual funds safer than ETFs?

Note ETFs are similar to closed end funds, which have been traded for a century now. What is relatively new is the idea of having them own indices and have low fees. Also you can’t generalize about ownership structure and taxes, there are a handful of variant ETF legal structures. Vanguard is not th...
by blevine
Fri Jun 15, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: I am STUNNED over how much help my friends recieved with house purchase!
Replies: 47
Views: 3942

Re: I am STUNNED over how much help my friends recieved with house purchase!

As far as advice and help to kids, already told one of the kids, don’t buy a house. Be ready to go anywhere for career. Companies relocate, are bought, they lay off. One needs to avoid feeling attached to a place, renting is one way to do so. I also told them that after college, they are on their ow...
by blevine
Thu Jun 14, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Question for those who used 529 plans
Replies: 48
Views: 2944

Re: Question for those who used 529 plans

If you have a plan with low fees, and pick an age based portfolio, you are doing the right thing. If you happen to live in certain state with income tax and 529 tax breaks, that is another factor for a few of us. Other than that, they are all about the same.
by blevine
Thu Jun 14, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 37571

Re: Bogleheads, tell me about your 40's?

To me it was all about choices. At this stage you may well be in your peak potential earning years, but also at the point of maximum impact on your kids. So the draw to better leverage your earnings capability (work more) vs spend more time with the kids was a struggle. I think I found a good compro...
by blevine
Thu Jun 14, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Any problem opening fund "Investor", then building to "Admiral"?
Replies: 25
Views: 1688

Re: Any problem opening fund "Investor", then building to "Admiral"?

Compared to most things I do in life, buying/selling ETFs are among the simpler tasks.
Maybe making cereal for breakfast is easier, but then again there are so many choices of cereal, how do you pick ?
by blevine
Thu Jun 14, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Subaru infotainment issues -can people chime in?
Replies: 26
Views: 2027

Re: Subaru infotainment issues -can people chime in?

Note for those saying “Never again Subaru”. My first Subaru Outback had an emission control sensor issue that resulted in recall. Orig part was fine, replacement for recall service experienced terrible problems and NEVER resolved. So never fix what aint broke, but also Subaru was useless in fixing a...
by blevine
Thu Jun 14, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Any problem opening fund "Investor", then building to "Admiral"?
Replies: 25
Views: 1688

Re: Any problem opening fund "Investor", then building to "Admiral"?

Why not just buy ETF and keep it ?
There are many funds with no etf class, but if so, no reason to go with investor or admiral.
by blevine
Wed Jun 13, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: direct rollover from NY 529
Replies: 4
Views: 388

Re: direct rollover from NY 529

I don’t see how NYS can tax you on this.
by blevine
Wed Jun 13, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Vacation insurance when you have sick elderly family
Replies: 11
Views: 1063

Re: Vacation insurance when you have sick elderly family

I used travelsafe. First time we were refunded a cruise cost. Traveled with another family and they had a death in the family night before departure. Since were were traveling together, we just had to get documentation of the death (that’s fun) and we were reimbursed. It is true, a pre-existing cond...
by blevine
Wed Jun 13, 2018 5:37 am
Forum: Personal Consumer Issues
Topic: Subaru infotainment issues -can people chime in?
Replies: 26
Views: 2027

Re: Subaru infotainment issues -can people chime in?

Confirmation that 1) Dont be first to buy a new model year 2) Dont spend extra to buy up electronics I have owned 4 Subarus, and while I did not have an issue with the electronics, I never liked the way they bundle the nav system with other features. an expensive extra option that has been obsoleted...
by blevine
Tue Jun 12, 2018 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Moved Family Across Country for New Job and Job is now gone
Replies: 27
Views: 6536

Re: Moved Family Across Country for New Job and Job is now gone

I returned back to my large city after college, with the idea I would rather pay high taxes but be in a stable location to avoid living out of a suitcase. Twice I worked for employers that wanted to relocate me to cities where it was cheaper to buy a nice home, but I declined. I am fine with a modes...
by blevine
Sun Jun 10, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Renter's Insurance for College Dorm
Replies: 32
Views: 2278

Re: Renter's Insurance for College Dorm

Parent's HO insurance should cover everything. This is absolutely not true at least per my agent from Allstate. YMMV per state/provider. https://www.amica.com/en/about-us/media-center/news-release-archive/college-students-insurance-2013.html 08/14/2013 LINCOLN, RI - It’s almost time for students to...
by blevine
Sun Jun 10, 2018 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads' College Philosophy question
Replies: 68
Views: 3813

Re: Bogleheads' College Philosophy question

theplayer11 wrote:
Sun Jun 10, 2018 6:11 am
my philosophy...we brought our kids into this world, our choice, not theirs. I feel obligated to educate them. If that meant saving less for retirement than we could have, so be it. Would do the same again.
+1
by blevine
Sun Jun 10, 2018 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Renter's Insurance for College Dorm
Replies: 32
Views: 2278

Re: Renter's Insurance for College Dorm

Parent's HO insurance should cover everything. This is absolutely not true at least per my agent from Allstate. YMMV per state/provider. Also my deductible is high to keep rates lower. My agent said our liability covers them in dorms, but not property. If they move off campus to an apartment then t...
by blevine
Fri Jun 08, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5232

Re: daughter wants a college transfer?

My son tranferred TO Cornell. To each his own. He just graduated. He was not greek but made nice friends with whom is now traveling for a post grad celebration. He lived in a “program house”, themed dorm where you have a built in group with common interests. Grade deflation is real, but his worst gr...
by blevine
Wed Jun 06, 2018 4:56 am
Forum: Investing - Help with Personal Investments
Topic: Do you change your AA in discrete chunks or gradually?
Replies: 20
Views: 1422

Re: Do you change your AA in discrete chunks or gradually?

As another above, lumpy and smooth, both. I am always in rebalancing mode, 100% of the time. New cash goes where needed. Dividends reinvested in tax def, where needed. Dividends in taxable swept to mmkt fund for eventual investing where needed. Large market moves would cause me to make a one time lu...
by blevine
Tue Jun 05, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 8768

Re: Don't make the mistake I made (Telemarketing hell)

Problem with nomorobo

1) spoofed callerid now fakes use of local number so you think it’s a local call, which nomorobo does not block.

2) had legit calls blocked by nomorobo


Looking into Jolly Roger Tel Co. Search for it
by blevine
Sun Jun 03, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Can a physician work in tech while practicing as well?
Replies: 57
Views: 3881

Re: Can a physician work in or transition to tech?

If you save some $ maybe consider a business launch to solve some niche you see in your current field. Just gettinng a job working for someone else, at what will be a later point in your life without the tech experience makes little sense, unless they hire you for the medical knowledge to do design,...
by blevine
Sun Jun 03, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 433
Views: 51854

Re: How much money do you want to retire?

Maybe a better approach is to not spend too much time chasing a particular number and instead just focus on a balance between enjoying life and a reasonable investment plan. A lot of people don't get to choose a number. They get "retired" and don't choose to retire. Their number is chosen for them....
by blevine
Wed May 30, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 5132

Re: Splurging on the NBA finals

If this is your desired vacation...why not.
People spend money on all kids of extravagant vacations, why not a sports themed vacation ?
You can't compare watching on tv to a vacation.
by blevine
Tue May 29, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Odd 529 Question
Replies: 8
Views: 930

Re: Odd 529 Question

https://www.irs.gov/newsroom/529-plans- ... nd-answers

Per the IRS :

Q. Can anyone set up a 529 plan?
A. Yes. You can set one up and name anyone as a beneficiary — a relative, a friend, even yourself

I don't see a problem so stay happily unmarried ;-)
by blevine
Sun May 20, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 10850

Re: Career planning in IT/software development when over 40

I thought career planning in IT after 40 was called "retirement planning"...? How true, though for me that was over 50, not 40. For me it was all about balancing money, work satisfaction and family. It is hard to find a good balance. Satisfaction in coding, satisfaction in promotion to management, ...
by blevine
Mon May 07, 2018 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Stick with E*Trade or move to Vanguard?
Replies: 15
Views: 1516

Re: Stick with E*Trade or move to Vanguard?

I have accounts at both firms.
ETrade has better service and website hands down.
Buy VTI and BND ETFs at etrade.
by blevine
Mon May 07, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: advise on custodial account for daughter
Replies: 14
Views: 817

Re: advise on custodial account for daughter

Move now to get out of EJ.
Then move to her Roth when she has a paid internship and therefore ability to fund a Roth. If she makes $5500 or more during a summer internship, you can move $5500 to her Roth ira that year.
by blevine
Sun May 06, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 8628

Re: What career for smartest kid in the class?

And to the complaints about PA and NP providing services, do you realize that when your bank offshore their IT work to India, experienced people are laid off and replaced by a never ending rotation of recent college grads. Don’t be surprised when your bank/fund website is down, your ira rollover is...
by blevine
Sun May 06, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: How do brokerages make $s on cheap index funds?
Replies: 57
Views: 5265

Re: How do brokerages make $s on cheap index funds?

Very simple. If you buy a Vanguard etf at some other broker, Vanguard incurs ZERO cost to service you, but still get some fees. And if you use their brokerage to trade them, while they have servicing costs, they make money on you cash balances, and hidden fees on trade execution. While fund managers...
by blevine
Sun May 06, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 8628

Re: What career for smartest kid in the class?

Everyone thinks the grass is greener. But no physicians...you are NOT special. We all have to work hard to be successful at almost anything we do. And the only way that happens is if you pick a career for which you have both aptitude and interest. I went into financial tech ultimately after consider...
by blevine
Fri May 04, 2018 10:03 pm
Forum: Investing - Theory, News & General
Topic: What are the questions you would ask a Financial Advisor ?
Replies: 59
Views: 4171

Re: What are the questions you would ask a Financial Advisor ?

You might instead talk to an estate lawyer, if your goal is truly to protect family after passing. Why an FA ?

Also keep a simple enough portfolio so spouse can manage as-is.
by blevine
Fri May 04, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5701

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

Why not lease for 3 years and return it when the warranty is done ?

There are cars that are nice to buy and drive but not own.
And there are cars that are smart/reliable to own.
If you must have the nice to drive, protect yourself and have an out.
by blevine
Fri May 04, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage Bill Pay
Replies: 3
Views: 548

Re: Brokerage Bill Pay

You have to have cash and/or money in a sweep money market fund, depending on the broker. Even if they could sell assets, you would want them to pick which assets to sell ? In the long run, interest on a small balance will not make that much difference. Your savings rate, Asset Allocation, etc are f...
by blevine
Fri May 04, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: How old is too old for a vehicle, even for a well running one ?
Replies: 83
Views: 5259

Re: How old is too old for a vehicle, even for a well running one ?

My old Toyota minivan from 1998 had an engine that sounded new, but the body sounded like it was ready to implode. Sliding door broke (fixed). Loose bolts, dirty interior. Just sounded like a bag of bolts driving down the road. Mileage was not too bad, but after 14-15 years of kids abusing the inter...
by blevine
Thu May 03, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Computer Speakers
Replies: 12
Views: 611

Re: Recommendations for Computer Speakers

I have Bose Soundlink, bluetooth works well on these, though I think they can work with a cable too. Sound from bose is always good.