Search found 3179 matches

by beyou
Tue Sep 15, 2020 8:34 pm
Forum: Personal Investments
Topic: Vanguard vs Fidelity vs E-Trade..etc Customer Service
Replies: 22
Views: 1303

Re: Vanguard vs Fidelity vs E-Trade..etc Customer Service

I had a dedicated “Flagship” rep but rarely spoke to him, and they changed every couple of years. They removed the dedicated rep for most Flagship clients but they do put more experienced staff on large accounts. Lookup and see if you qualify for Flagship service. That said, I have a small acct at E...
by beyou
Sun Sep 13, 2020 8:37 pm
Forum: Personal Consumer Issues
Topic: what do others pay for umbrella insurance, and is it needed?
Replies: 58
Views: 4459

Re: what do others pay for umbrella insurance, and is it needed?

If you shop, show auto and homeowners with it.

I agreed with the above comment, if you have a claim ever, having same underlying and umbrella makes the insurer fully accountable for their legal decisions.
by beyou
Sun Sep 13, 2020 8:33 pm
Forum: Personal Consumer Issues
Topic: Best Streaming Service
Replies: 25
Views: 1949

Re: Best Streaming Service

Most have free trials, so you can see what you like. My suggestion is to sign up for a free trial, freeze the subscription at end of free trial or maybe after short paid period if enjoying something in particular. Then try next service with another free trial. You’ll spend little and learn alot. The...
by beyou
Sun Sep 13, 2020 5:42 am
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 165
Views: 15092

Re: How many bogleheads do you know in real life?

I work in the financial industry, and while people tall about investing, it’s work related and not the same as how they would invest themselves. Two schools of thought, knowing you can’t best the market those who think they can with all the experience in the industry. I am often shocked to see our “...
by beyou
Sat Sep 12, 2020 10:42 am
Forum: Personal Investments
Topic: Customer Service & Ease-Of-Use: Vanguard vs. Fidelity
Replies: 64
Views: 5479

Re: Customer Service & Ease-Of-Use: Vanguard vs. Fidelity

I have mainly used Vanguard but recently use Fidelity for a 401k. So not a fair comparison (never contacted Fidelity outside website access) but I can’t see that Fidelity website is any better or worse than Vanguard, just different. Have had minor issues with both, nothing terrible. That said, I als...
by beyou
Fri Sep 11, 2020 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Cash App linked to Vanguard Brokerage to pay bills
Replies: 19
Views: 1237

Re: Cash App linked to Vanguard Brokerage to pay bills

Etrade is a bank and has great cash management. Plus they sell fee free Vanguard funds.
by beyou
Fri Sep 11, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Old friend joined Northwestern Mutual -- how to politely explain they're awful
Replies: 87
Views: 6437

Re: Old friend joined Northwestern Mutual -- how to politiely explain they're awful

These are no win situations. I have 2 relatives that tried to sell overpriced financial products, no good way to say no. Without explanation, you insult the relationship. With explanation you insult their beliefs (brainwashing). Had a NWM new hire coaching my kid, lovely having to see him every prac...
by beyou
Wed Sep 09, 2020 11:24 pm
Forum: Personal Investments
Topic: 401k strategy going forward
Replies: 3
Views: 548

Re: 401k strategy going forward

sailaway wrote: Wed Sep 09, 2020 8:57 pm What are your future plans? Will you be looking for work and expecting to return to a similar salary? Retire very early and have two decades to figure out how to bring down your tax deferred accounts with minimal taxes?

Context matters.
Probably retire.
by beyou
Wed Sep 09, 2020 7:52 pm
Forum: Personal Investments
Topic: 401k strategy going forward
Replies: 3
Views: 548

401k strategy going forward

I am nearing a layoff next year, which will likely cause me to miss out on employer match (my employer does lump sum match following Jan and you must still be employed). I have been front loading max with catch up contributions last few years, and could do so to get all or most of my annual max agai...
by beyou
Wed Sep 09, 2020 7:21 pm
Forum: Personal Consumer Issues
Topic: Verizon FIOS - tell me what to expect please
Replies: 23
Views: 1295

Re: Verizon FIOS - tell me what to expect please

Thanks all for your sharing. Note that historically Verizon was NYNEX, a northeastern company. Not only are they still actively marketing here in NY, I read they rolled out in Boston too, not long ago. I agree they may not retain their technical edge, but I have nothing but a terrible experience wit...
by beyou
Wed Sep 09, 2020 2:25 pm
Forum: Personal Consumer Issues
Topic: Verizon FIOS - tell me what to expect please
Replies: 23
Views: 1295

Verizon FIOS - tell me what to expect please

Terrible experience for last month with my cable internet provider. Many were without service for weeks. No show onsite support resulted in billing me as if I was the no show. Widely documented they have done this to others. Support on phone abysmal. So want to know about FIOS 1) Install mechanics. ...
by beyou
Wed Sep 09, 2020 7:04 am
Forum: Personal Investments
Topic: Open New Non-Brokerage Vanguard Account
Replies: 14
Views: 1268

Re: Open New Non-Brokerage Vanguard Account

While I am not aware of the exact details of how they choose or who chooses whom, but yes the electronic sharing of trades is required by brokerage and asset managers from the selected brokers. I have no doubt Vanguard offer such a feed but that is only one aspect. I think there are other business ...
by beyou
Wed Sep 09, 2020 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Amex Shop Small Online Shops
Replies: 37
Views: 3050

Re: Amex Shop Small Online Shops

02nz wrote: Fri Jul 24, 2020 10:35 am
catpepper wrote: Fri Jul 24, 2020 10:33 am I would think any online stores that accept paypal or stripe would accept AMEX?
But Paypal-processed transactions may not count, per Amex's terms, although actual results sometimes vary.
I did receive a credit for a paypal purchase funded by my Amex.
by beyou
Sun Sep 06, 2020 4:08 pm
Forum: Personal Investments
Topic: Open New Non-Brokerage Vanguard Account
Replies: 14
Views: 1268

Re: Open New Non-Brokerage Vanguard Account

While I am not aware of the exact details of how they choose or who chooses whom, but yes the electronic sharing of trades is required by brokerage and asset managers from the selected brokers. I have no doubt Vanguard could offer such a feed but that is only one aspect. I think there are other busi...
by beyou
Thu Sep 03, 2020 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Visa
Replies: 55
Views: 4445

Re: Verizon Visa

Well I took advantage of a great cash back offer on my amex where they said it would take 90 days to be paid. Got paid same day as the qualifying purchase. Under promise and over deliver. It posted today -- $411.35! Still complaining? AMEX Offers always say it takes a while and post quickly Wow, sh...
by beyou
Thu Sep 03, 2020 11:34 am
Forum: Personal Consumer Issues
Topic: Should I freeze my credit in lieu of another credit monitoring service?
Replies: 16
Views: 935

Re: Should I freeze my credit in lieu of another credit monitoring service?

Today I applied for a refinance. Refi company said needed to check credit. It took me 10-15 minutes to temporarily lift a freeze on all 3 agencies, for me and wife. If you do it online, it is easy, but you obviously need to remember your ID and password, and with experian there isn't a login so you...
by beyou
Thu Sep 03, 2020 6:59 am
Forum: Personal Investments
Topic: Confused here in MA
Replies: 55
Views: 4424

Re: Confused here in MA

I do not think it was i tended or wise to split the money into two funds as you asked, but rather pick one or other. They are more similar than different, and either will do. Target Date is a tiny but more conservative due to slightly lower stock vs the Lifestrategy fund suggested. You can’t go wron...
by beyou
Wed Sep 02, 2020 10:39 pm
Forum: Personal Consumer Issues
Topic: Should I freeze my credit in lieu of another credit monitoring service?
Replies: 16
Views: 935

Re: Should I freeze my credit in lieu of another credit monitoring service?

Today I applied for a refinance. Refi company said needed to check credit. It took me 10-15 minutes to temporarily lift a freeze on all 3 agencies, for me and wife. If you do it online, it is easy, but you obviously need to remember your ID and password, and with experian there isn't a login so you...
by beyou
Wed Sep 02, 2020 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Visa
Replies: 55
Views: 4445

Re: Verizon Visa

Also there was a early sign up bonus that was supposed to split a reward among those who signed up before a date in June 2020. I signed up by that date and have heard nothing about it since, and couldn't find anything about it online anywhere last time I checked. There was a specific signup bonus f...
by beyou
Wed Sep 02, 2020 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Verizon Visa
Replies: 55
Views: 4445

Re: Verizon Visa

Also there was a early sign up bonus that was supposed to split a reward among those who signed up before a date in June 2020. I signed up by that date and have heard nothing about it since, and couldn't find anything about it online anywhere last time I checked. There was a specific signup bonus fo...
by beyou
Wed Sep 02, 2020 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Verizon Visa
Replies: 55
Views: 4445

Re: Verizon Visa

Overall, Synchrony is pretty bad as a card vendor. Yes, they are. I was interested in the Verizon card, until I saw that Synchrony Bank was involved. That was an automatic deal killer for me. I had a CareCredit card that you can use at doctors and veterinarians for about four years, which was issue...
by beyou
Tue Sep 01, 2020 11:54 pm
Forum: Personal Consumer Issues
Topic: Should I freeze my credit in lieu of another credit monitoring service?
Replies: 16
Views: 935

Re: Should I freeze my credit in lieu of another credit monitoring service?

Yes freeze but do so knowing that above you got an overly optimistic picture of how convenient this may be. Just recently my son went to setup a new utility account upon moving. Signup up requested SS#, after which he gets an error message “we can’t identify you by this ss# so call us at ....” I tol...
by beyou
Mon Aug 31, 2020 11:55 pm
Forum: Personal Investments
Topic: Open New Non-Brokerage Vanguard Account
Replies: 14
Views: 1268

Re: Open New Non-Brokerage Vanguard Account

Why not just open a brokerage account? Is there a benefit to having a non-brokerage account? Many people in the financial services industry have compliance requirements when you have the ability to purchase individual stocks. That's why a mutual fund only option is preferred. I am one of those peop...
by beyou
Sun Aug 30, 2020 8:39 pm
Forum: Personal Investments
Topic: Vanguard craziness RE: Apple
Replies: 31
Views: 4436

Re: Vanguard craziness

crswvc wrote: Sun Aug 30, 2020 12:58 pm
stan1 wrote: Sun Aug 30, 2020 11:40 am Perhaps someone can post the name of a brokerage that did have a simultaneous update?
My e-trade account did with four times the shares and the price listed as $124.81
Another anecdote for the “where to go if leaving Vanguard” threads. Etrade has fantastic service.
by beyou
Sun Aug 30, 2020 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Someone filed unemployment claims in my wife's name! (CA)
Replies: 12
Views: 1574

Re: Someone filed unemployment claims in my wife's name! (CA)

It sounds like you have already seen the ftc page on the fraudulent unemployment claims? (https://www.consumer.ftc.gov/blog/2020/06/scammer-getting-unemployment-benefits-your-name) I understand that you are upset. But, I believe that everyone’s personal information is in the hands of criminals. As ...
by beyou
Wed Aug 26, 2020 8:54 pm
Forum: Investing - Theory, News & General
Topic: Fisher Investments
Replies: 28
Views: 5897

Re: Fisher Investments

In a case anyone cares about such things , Ken Fisher does not have the greatest reputation in the industry. https://www.cnbc.com/2019/11/07/fisher-lost-20-million-in-retail-assets-after-billionaires-comments.html https://www.cnbc.com/2019/10/11/ken-fisher-inflames-financial-advisors-with-sexist-com...
by beyou
Tue Aug 25, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Finding balance in life: When do you let up off the gas?
Replies: 105
Views: 9584

Re: Finding balance in life: When do you let up off the gas?

Depends on how you view the longevity of your income level and savings rate. Things change. What if this income went away tomorrow, would you still feel comfortable leasing at over $1000/month ? Personally I never felt the need for a luxury car. Had income to do so, had other priorities (top educati...
by beyou
Mon Aug 24, 2020 6:10 am
Forum: Personal Investments
Topic: Considering switch from Vanguard to eTrade...pros, cons and other input?
Replies: 126
Views: 11383

Re: Considering switch from Vanguard to eTrade...pros, cons and other input?

I have admiral funds some of which will not transfer. I could swap into Investor funds at additional cost to me. In some cases I could find a close alternative ETF but identical fund = higher fees. It looks to me like few of the Vanguard Tax-Exempt Bond Funds Adm/class are NTF funds at eTrade. Alth...
by beyou
Sat Aug 22, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: Is it worth to relocate for retirement?
Replies: 139
Views: 12564

Re: Is it worth to relocate for retirement?

States that have high sales tax but no or low income tax and low property tax are the best from a tax perspective. Nobody can force you to spend and pay sales tax, you control that somewhat but prop and income tax you have no control at all. That said, my hcol state (NY) gives tax prop and income ta...
by beyou
Mon Aug 17, 2020 5:12 am
Forum: Personal Investments
Topic: Terrible experience with Ally bank- buyer beware
Replies: 144
Views: 9164

Re: Terrible experience with Ally bank- buyer beware

There are many people whose needs are minimal...until they are not. If you are healthy today does that mean you don’t need a good doctor ? But you can go to any doc and say “i had no problem”. Edge cases test what is really there when you need it. I don’t use Ally, but to me the ability to make pay...
by beyou
Sun Aug 16, 2020 11:34 pm
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 4705

Re: USPS shipping: Caveat Emptor

The clerks would then try to upsell you by saying “we have the right to open your package and inspect for Media Mail, or I can upgrade and not have the packaged opened. Can you explain further? What upgrade allows this? Only “media mail” would they threaten to open the package and inspect. Was an i...
by beyou
Sun Aug 16, 2020 11:25 pm
Forum: Personal Investments
Topic: Terrible experience with Ally bank- buyer beware
Replies: 144
Views: 9164

Re: Terrible experience with Ally bank- buyer beware

There are many people whose needs are minimal...until they are not. If you are healthy today does that mean you don’t need a good doctor ? But you can go to any doc and say “i had no problem”. Edge cases test what is really there when you need it. I don’t use Ally, but to me the ability to make paym...
by beyou
Sun Aug 16, 2020 11:20 pm
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 4705

Re: USPS shipping: Caveat Emptor

This is not new, years ago relatives in Florida would ask “did you get my card” (in NY). It would arrive sometimes in 2 weeks (1st class letter). As far as the great service, I used to sell online and ship books or dvd at the USPS. They had “media mail” specifically for such purpose, but the self se...
by beyou
Sun Aug 16, 2020 10:12 pm
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 4705

Re: USPS shipping: Caveat Emptor

I get many packaged delivered, most on Amazon and UPS trucks. Of the very few sent by USPS, they are always delayed or lost. I also had Fedex lose a package this year. If important I ship by UPS, but when I order online most often not given a choice. As I sit here today, a package was tracked handed...
by beyou
Sun Aug 16, 2020 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Decision on 529 plan for NY resident
Replies: 6
Views: 442

Re: Decision on 529 plan for NY resident

toocold wrote: Sun Aug 16, 2020 1:32 pm We chose the same plan, despite not living in NY. It's a great plan, especially for a NY resident.
I funded and spent the $ already. Great service,
no problems at all. Glad we did it.
by beyou
Sun Aug 16, 2020 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Any complications of direct pay to IRS instead of W4 adjusting?
Replies: 11
Views: 787

Re: Any complications of direct pay to IRS instead of W4 adjusting?

Also, is there any complicated situation upon filing (extra forms..etc) would be created by using direct pay versus updating W4? Yes. Underpayment penalties are calculated differently if taxes are withheld from paychecks than if tax payments are made by other payments. What if you have both ? I get...
by beyou
Sun Aug 16, 2020 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Any complications of direct pay to IRS instead of W4 adjusting?
Replies: 11
Views: 787

Re: Any complications of direct pay to IRS instead of W4 adjusting?

Also, is there any complicated situation upon filing (extra forms..etc) would be created by using direct pay versus updating W4? Yes. Underpayment penalties are calculated differently if taxes are withheld from paychecks than if tax payments are made by other payments. What if you have both ? I get...
by beyou
Sun Aug 16, 2020 6:38 am
Forum: Personal Investments
Topic: Terrible experience with Ally bank- buyer beware
Replies: 144
Views: 9164

Re: Terrible experience with Ally bank- buyer beware

A bank is primarily a provider of services, rates should not be your primary decision tool. Sounds like bad service. I keep 2 bank accts for banking services and keep my investing separate. While I don’t disagree, the problem I have with that assertion is that (1) it’s difficult to determine which ...
by beyou
Sat Aug 15, 2020 10:58 pm
Forum: Personal Investments
Topic: Terrible experience with Ally bank- buyer beware
Replies: 144
Views: 9164

Re: Terrible experience with Ally bank- buyer beware

People who made excuses for Ally, I worked in many areas of financial services. For some period I even managed the systems and ops team who make customer wire transfers. During that portion of my career, we took uptime and response time very seriously. If a storm was coming, we put staff in hotels w...
by beyou
Sat Aug 15, 2020 10:46 pm
Forum: Personal Investments
Topic: Just pulled the trigger ...
Replies: 76
Views: 11235

Re: Just pulled the trigger ...

I would not use Total Bond as an emergency fund now or ever. It is part of a long term plan. Short term bond funds with gov securities (or if course the mmkt funds) are EF appropriate. There is both credit and rate risk in total bond. Generally, I agree with you. Having said that, I was trying to b...
by beyou
Sat Aug 15, 2020 4:48 pm
Forum: Personal Investments
Topic: Just pulled the trigger ...
Replies: 76
Views: 11235

Re: Just pulled the trigger ...

I would not use Total Bond as an emergency fund now or ever. It is part of a long term plan. Short term bond funds with gov securities (or if course the mmkt funds) are EF appropriate. There is both credit and rate risk in total bond.
by beyou
Fri Aug 14, 2020 8:53 pm
Forum: Personal Consumer Issues
Topic: Retiring this Friday. Now what?
Replies: 99
Views: 8920

Re: Retiring this Friday. Now what?

So do you feel different now ?
by beyou
Thu Aug 13, 2020 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Chase Amazon Prime Card--4% back
Replies: 74
Views: 6933

Re: Chase Amazon Prime Card--4% back

They really think nobody talks ?
My son got the 2% off all charges offer, I got no offer.

I could get interested in the 4% offer but 2% I already get 365 days/year with another card.
by beyou
Thu Aug 06, 2020 7:16 pm
Forum: Personal Investments
Topic: Is Vanguard still good?
Replies: 42
Views: 3337

Re: Is Vanguard still good?

If you can stick to ETFs mostly, many brokers will give you free ETF trades and possibly other services. If you want to go outside the most popular index funds, you may want admiral funds (such as most muni funds, gnma or other taxable bond funds). At that point it is best to stick with Vanguard bro...
by beyou
Thu Aug 06, 2020 7:08 pm
Forum: Personal Investments
Topic: Improving tax efficiency in retirement accounts
Replies: 20
Views: 1735

Re: Improving tax efficiency in retirement accounts

I am looking to flip our ROTH IRA's into 100% stocks while swapping out some of our brokerage funds to be more bond heavy. My thinking here, and please correct me if I'm wrong on this, is to make our ROTHs gain as much as possible over time = 100% stocks. We will do bonds in accounts that aren't ta...
by beyou
Wed Aug 05, 2020 7:45 am
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8813

Re: Overcoming the fear of an early retirement

A couple of years ago I was in a similar situation as the OP. On a career track, running with lots of stress, working many hours a week, but basically financially independent. Then about two years ago at age 42, I realised we had hit our goals and there was no longer a need to work for the money. A...
by beyou
Tue Aug 04, 2020 11:20 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8813

Re: Overcoming the fear of an early retirement

OP, I think you and I are in a very similar situation. My biggest hang up is health care coverage. So for now, I’m just going to keep going until the future if the ACA is settled one way or another. ACA Or equivalent is just another line item you need to account for. Get an estimate of costs at KFF...
by beyou
Tue Aug 04, 2020 11:08 pm
Forum: Investing - Theory, News & General
Topic: What happens if you run out of money in retirement?
Replies: 175
Views: 15232

Re: What happens if you run out of money in retirement?

Rob banks.

Give me the cash or I’ll tell you about...

my grandchildren
my doctor appts

you get the idea
by beyou
Tue Aug 04, 2020 10:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "sunsetting" CFP consultations
Replies: 137
Views: 11578

Re: Vanguard "sunsetting" CFP consultations

So you don't want to pay $3,000+ a year for a service that they formerly provided at no cost? And who says Vanguard doesn't upsell One of the many reasons I left Vanguard last year for E*TRADE. Same great funds, same low cost, much better service! I have accts at Etrade and Vanguard. While I agree ...
by beyou
Tue Aug 04, 2020 3:53 pm
Forum: Personal Consumer Issues
Topic: A dumb vehicle trade-in scenario?
Replies: 33
Views: 2231

Re: A dumb vehicle trade-in scenario?

We sold our old car to Carvana last year. process was all online and relatively simple. then they send out a person on a flatbed to pick up your car and give you a check. they offered us $2500 more than the dealer would on trade (8k vs 10.5k) and the $10.5k was what I would have expected from craig...