Search found 1932 matches

by blevine
Mon Sep 24, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: monitor when credit freeze thaws
Replies: 4
Views: 491

Re: monitor when credit freeze thaws

Each credit bureau shows it in a different place but often in a summary near the top or bottom,
before or after all your details payment history for each credit card. Usually says something like
"locked by consumer" or "frozen by consumer".
by blevine
Mon Sep 24, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: monitor when credit freeze thaws
Replies: 4
Views: 491

Re: monitor when credit freeze thaws

The real issue here is if you freeze, what if somehow it is thawed without your knowledge. The status does show on credit reports, so maybe if you have the credit monitoring services, maybe some of them would report a "change" on the credit report if thawed. Definitely on the credit report but not s...
by blevine
Sun Sep 23, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard for business 401K?
Replies: 12
Views: 710

Re: Vanguard for business 401K?

My former large employer used Vanguard and felt their service was excellent. Looked like just another account on the website for me. I guess for smaller plans you don’t get that simplification benefit.
by blevine
Sun Sep 23, 2018 8:07 am
Forum: Investing - Help with Personal Investments
Topic: How do I allocate social security in retirement?
Replies: 19
Views: 1756

Re: How do I allocate social security in retirement?

I see two purposes to an investment portfolio: Provide income : If you have some income (e.g.SS) there is no need to assign a net asset value and asset class to it just so you can try to predict how much income it can provide and with what reliability -- you already know the answer to that! Provide...
by blevine
Sun Sep 23, 2018 8:04 am
Forum: Investing - Theory, News & General
Topic: How do you define your success in our life, career and job?
Replies: 25
Views: 1721

Re: How do you define your success in our life, career and job?

Life - loving healthy family

Job/career - money to live and some mental stimulation to make the time pass well

None of above can be taken for granted, takes luck and effort.
by blevine
Sun Sep 23, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: I-savings bonds: To do or not to do
Replies: 10
Views: 1445

Re: I-savings bonds: To do or not to do

Benefits 1) 0 expenses (no commission nor fund er) 2) another tax advantaged option if you maxed ira/401k accts 3) as emergency acct, great secondary for extended unemployment, low tax bracket at time of withdrawal means even more tax advantaged. If kids in college during such a low income period, n...
by blevine
Sat Sep 22, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella questions
Replies: 9
Views: 689

Re: Umbrella questions

Earl Lemongrab wrote:
Sat Sep 22, 2018 12:39 pm
You're never going to figure out the correct price by asking random people. The only way is to shop around. Just get started doing that or go with what you have.
But I want to know what to shop for, just umbrella split off from my other policies, or keep all 3 together.
by blevine
Sat Sep 22, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella questions
Replies: 9
Views: 689

Re: Umbrella questions

My home, auto and umbrella are all intertwined - especially with auto. So how many individuals and cars are you insuring? How do you know how much is umbrella vs auto vs home? Self, wife and 1 20 year old child. 3 policies with one provider but each is billed separately, with some small discount fo...
by blevine
Sat Sep 22, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 83
Views: 8690

Re: What to wear for job interview - skip the tie?

Silicon valley is a unique place, most of the world still expect you to come in and show that you want the job. Much depends on the company, job, industry. I too HATE ties, never wear them to work, but I keep on at my desk in case I have to see a client. If I went on an interview I'd put one on, for...
by blevine
Sat Sep 22, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella questions
Replies: 9
Views: 689

Re: Umbrella questions

Thanks. Added the coverage amount in orig post ($4M). Not sure what you mean by " lower tier insurer". Insurer rating/financial strength is really only relevant for a long term policy like life insurance. You can switch to another carrier easily with home/auto/umbrella, not life (if your health decl...
by blevine
Sat Sep 22, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella questions
Replies: 9
Views: 689

Umbrella questions

My renewal came and the price went up almost 25% this year. I am not so much looking for advice on HOW MUCH to buy, lots of threads on that. I have $4M (2 events per year so in theory up to $8m for 2 events). I have a 20 year old college student on our underlying auto policy with same carrier (Allst...
by blevine
Fri Sep 21, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: Over 120 Vanguard funds go transaction free at E*trade
Replies: 15
Views: 1581

Re: Over 120 Vanguard funds go transaction free at E*trade

Why not just buy ETFs if you have an etrade acct ?
I have an etrade acct and a Vanguard, only have etrade for employee stock bonus, prefer to have choice of ALL Vanguard funds.
by blevine
Fri Sep 21, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 74
Views: 7510

Re: Hubby soon to be laid off

I agree with "not feeling too bad" about a job for 2 years. I have gone through many times when my employer sought to sell my division of the company (which always leads to layoffs in IT), outsourced to US and international firms, cut bonuses when execs were feeling poor, cut back on benefits, squee...
by blevine
Fri Sep 21, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6684

Re: Don't trust Tripadvisor reviews

I am not trusting and find few review sites useful, but I started posting to TA years ago. None were deleted or censured. Sometime owners respond, and that part annoys me because they lie and trivialize your comments. But my comments are left alone !
by blevine
Fri Sep 21, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 136
Views: 7669

Re: Physical Banking - Any benefits anymore?

EnjoyIt wrote:
Thu Sep 20, 2018 11:39 am
With that option I get a free safety despot box, free atm withdrawals and ...
I’ve always wanted one of those....
by blevine
Fri Sep 21, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 74
Views: 7510

Re: Hubby soon to be laid off

OP I do hope you post updates. My DW and I are likely to go through an similar situation other than I am a decade younger so not able to count on Medicare for many years. I am also in IT, and my wife makes similar income that is tied to our HCOL area. We also have a very elderly parent (my MIL) to l...
by blevine
Fri Sep 21, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Im going to die somewhere between Bankruptcy and $20 million
Replies: 37
Views: 7207

Re: Im going to die somewhere between Bankruptcy and $20 million

dvd7e: Any investment for something that is as important as being financially secure in retirement should not be a gamble. Instead, pick a suitable stock/bond allocation that becomes more conservative as you age. It is very important in and near retirement not to lose what we've got. Best wishes. T...
by blevine
Wed Sep 19, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 2881

Re: Experiences downsizing to single car

Tried Uber and Lyft in two major cities.
Not worried about getting around, it was EZ !
by blevine
Wed Sep 19, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11059

Re: Did you really have something to retire to?

So few people get to choose when to retire, but only on BH does this seem a common choice. Some must work, others can’t work. I fully expect to leave due to company downsizing, company relocation, hope not to leave due to health, but you never know. Since I dont know when, not giving it too much tho...
by blevine
Wed Sep 19, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity-Very Negative Experience with Inheritance Services
Replies: 7
Views: 1956

Re: Fidelity-Very Negative Experience with Inheritance Services

So is it the fact that the assets must be split that caused the complication ?
Better to leave different beneficiaries on different accounts to divvy up before death, and
make things simpler for your heirs ?
by blevine
Wed Sep 19, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 2881

Re: Experiences downsizing to single car

The cost of a 2nd car is very dependent on where you live (impacting cost of insurance, registration etc) and how much you drive. If you drive very little, costs little but also costs little to Uber then. So the main consideration is the fixed costs. Saving $1-2k/year on insurance may not seem like ...
by blevine
Wed Sep 19, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 42
Views: 5711

Re: Thinking of Retiring at 52, Please Critique Plan

It amazes me how afraid people are of retiring early for the sole reason of health care. When doing calculations...why not just double the health care cost, just to be safe? Is it really impossible to retire early and have to pay $25k/year in health insurance? If you have the money whats the big de...
by blevine
Wed Sep 19, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 97
Views: 6903

Re: Leasing Cars in Retirement

Most BH posts that express a preference for buying usually mean buying for cash, not a loan.
Easy to negotiate when there is only one variable....
by blevine
Tue Sep 18, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 42
Views: 5711

Re: Thinking of Retiring at 52, Please Critique Plan

SDDI is there to help those that need it, if you qualify take it.
I would find out more about whether you qualify.

Best of luck.
by blevine
Tue Sep 18, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Spectrum Cable TV Charges
Replies: 19
Views: 1692

Re: Spectrum Cable TV Charges

Each company works a bit differently and I think they even look at you (options in your area, how long you have been with them). They try and judge what they can get away with. The SOP for my cable company is you call and ask to disconnect and they send you to the "retention group" to offer you a be...
by blevine
Tue Sep 18, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 34
Views: 2053

Re: How to watch baseball playoffs without cable

I use hulu live and plan to watch baseball playoffs.
by blevine
Mon Sep 17, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 152
Views: 11205

Re: Considering Quitting Job - Seeking Advice. Would you do it?

I worked in a career where people were happy to watch you kill yourself. At some point, I just decided that the kids only grow up once, and I was not going to miss it. Did take a job with better work/life balance, but after a few years had go back to a more difficult situation. After a short time, I...
by blevine
Mon Sep 17, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 57
Views: 1982

Re: New York Times--NYTimes: Freezing Credit Will Now Be Free. Here’s Why You Should Go for It.

If you have your unfreeze pin, the process does not take that long. Did this twice in last few months. One of the big 3 was more difficult than the others, but was able to unfreeze all 3, and have it set for a period so we could go about our business and know it will freeze again without interventio...
by blevine
Mon Sep 17, 2018 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 50
Views: 5226

Re: Vanguard platform

The OP wants to know why they should switch. The answer is you do not have to and if you invest in mutual funds only, there is no reason to switch. In fact SOME functionality (that you may or may not care about) is removed if you switch. This has been discussed many times on this forum, the specific...
by blevine
Mon Sep 17, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: Spectrum Cable TV Charges
Replies: 19
Views: 1692

Re: Spectrum Cable TV Charges

Come on, it’s a game. They always find a deal if you call and threaten to leave.
by blevine
Sat Sep 15, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: How much in a brokerage account?
Replies: 7
Views: 777

Re: How much in a brokerage account?

There are different risks to consider. 1) Fraud while the broker or bank remains in business. Neither fdic nor sipc covers this. Best bet is to soread assets a bit to reduce this risk. 2) Bankruptcy of your bank or broker. This is where fdic and sipc matter. Many brokers buy excess coverage above si...
by blevine
Sat Sep 15, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 50
Views: 5226

Re: Vanguard platform

KyleAAA I have done quite a few as well, and specifically IN THE FUND BUSINESS, at multiple fund managers. 1) Not as big a deal as you think, at least not the website complexity. I have built such a website with disparate functions for different groups of users, was quite easy to build and maintain...
by blevine
Sat Sep 15, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 52
Views: 7322

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

Depends what you focus on, investment performance and advice vs bookeeping vs expense/budget planning. All focus better on some portion of these things. I used quicken for years to parallel my financial data only, but found I relied on VG Port Watch for AA tracking for my investments. I really only ...
by blevine
Fri Sep 14, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
Replies: 23
Views: 3306

Re: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus mo

It is only free for large clients, so not many consider this since you can get all services free elsewhere : Flagship annual fee No fee Voyager Select annual fee $30 Electronic bill payment Voyager Select clients pay $4.95 per month; Flagship clients pay no fee. But note if you don't live near a PNC...
by blevine
Fri Sep 14, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 50
Views: 5226

Re: Vanguard platform

KyleAAA I have done quite a few as well, and specifically IN THE FUND BUSINESS, at multiple fund managers. 1) Not as big a deal as you think, at least not the website complexity. I have built such a website with disparate functions for different groups of users, was quite easy to build and maintain....
by blevine
Fri Sep 14, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 50
Views: 5226

Re: Vanguard platform

Lol, I am surprised there are still holdouts. OP, are you the type that still uses a landline? I was able to wait until 2009 to get a cell phone but eventually I caved in. Some people have restrictions by employers, as to where they can hold a brokerage account. Vanguard is not on my list, I have t...
by blevine
Fri Sep 14, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: Slight fear of investing in general now
Replies: 20
Views: 2136

Re: Slight fear of investing in general now

Nissanzx1 wrote:
Fri Sep 14, 2018 7:00 am
Print a chart of total us stock market performance over the last 100 years and hang it on the wall. Walk by it everyday. It's inspiring.

This feeling is normal. Stay the course. If you get really freaked- increase liquid emergency fund savings.
If I only had 100 years remaining....
by blevine
Fri Sep 14, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 50
Views: 5226

Re: Vanguard platform

Lol, I am surprised there are still holdouts. OP, are you the type that still uses a landline? I was able to wait until 2009 to get a cell phone but eventually I caved in. Some people have restrictions by employers, as to where they can hold a brokerage account. Vanguard is not on my list, I have t...
by blevine
Fri Sep 14, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is it a problem that our mortgage lender doesn’t report to credit bureaus?
Replies: 11
Views: 774

Re: Is it a problem that our mortgage lender doesn’t report to credit bureaus?

Who says that if you don't pay, they wont START reporting your loan at that time ? They can change their minds anytime or may have an undisclosed policy they did no choose to share. Note that often these free report/score sites tell you what you can do to improve your credit, they always tell me tha...
by blevine
Thu Sep 13, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Do you rollover all of your previous 401ks?
Replies: 33
Views: 2200

Re: Do you rollover all of your previous 401ks?

Unfortunately I did the rollover IRA many years ago before I ever heard of a backdoor IRA (15 years ago was my last rollover from 401k to rollover TIRA). I might have rolled to each successive 401k had I known about that, maybe not. I do like the fact that I am in complete control over most of my as...
by blevine
Thu Sep 13, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Outback, Legacy, Camry Hybrid
Replies: 14
Views: 769

Re: Outback, Legacy, Camry Hybrid

Test drive them to see what you like. Outback drives more like a small SUV than a car. It's heavy and you don't feel the potholes in the road so much, but not fun to drive at all, not as responsive as a sedan. Hybrid would be the opposite driving experience, quick and responsive, not just something ...
by blevine
Tue Sep 11, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 17807

Re: Bay Area housing frenzy cooling

Single Family housing is more in Bay area, but on the little island of Manhattan, there are few Single Familyl homes. And those that you can buy, a townhouse or 4BR home on the island is about $5 million. In the burbs, yes the NY suburban homes on avg are lower than the burbs around SF Bay area. But...
by blevine
Tue Sep 11, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Vanguard electronic bank transfers
Replies: 22
Views: 2057

Re: Vanguard electronic bank transfers

1) If you open checkwriting on an account, and don't write any checks for an extended period of time (in my case, years), they will contact you to let you know they'll be turning off your checkwriting on that fund. The stated rationale is to improve security. Interesting, I had not heard that befor...
by blevine
Tue Sep 11, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 17807

Re: Bay Area housing frenzy cooling

Come on, Bay area is a bargain....to me sitting in Manhattan, where one can spend millions on a 2 BR apartment.
by blevine
Sun Sep 09, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when a country goes from VWO -> VEA?
Replies: 14
Views: 1024

Re: What happens when a country goes from VWO -> VEA?

If you look at the fund assets (vs share class assets, only a portion of the fund) Total International is about 3x the size of FTSE Dev Markets
by blevine
Sat Sep 08, 2018 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8126

Re: Scaring the Old Folks

If you LBYM while working, then you spend based on a budget which is some % of your income available (your “means”). So the way to look at this, what can you pay yourself in retitement, and set a budget from there. Traveling may be a retirement goal, but not a requirement. LBYM in retirement too, th...
by blevine
Thu Sep 06, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 3941

Re: Psychology of saving for college vs retirement

I maxed retirement plans, but also maxed state income tax benefits on 529. Beyond that no further $ went into 529, didn't want to tie up money for one specific purpose. But the amount I saved/earned, I knew we'd spend. I had estimated we'd have full cost of in-state public or half cost of private, w...
by blevine
Wed Sep 05, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 9847

Re: Max you should invest in a 529?

wootwoot wrote:
Tue Sep 04, 2018 8:38 pm
We put in enough to maximize our state tax benefit so 4k per child.
+1
Same here, except $10k/year
by blevine
Fri Aug 31, 2018 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4368

Re: Zelle, online payments

My paypal payments can come from a cc and get points, but without need to give the cc number to many sites.

But this is not a universally accepted form of payment. Another middeman to pay I assume.
by blevine
Fri Aug 31, 2018 11:20 pm
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 30
Views: 4599

Re: more rotten service from Vanguard [ACH transfer, fund availability]

I used voice authentication and it worked fine, no issues.

ACH is a 3 day process, and Vanguard let’s you by fubd shares immediately. Since these are long term investments, why buy a fund with intention to sell in less than 3 days ?