Search found 1913 matches

by blevine
Wed Sep 19, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity-Very Negative Experience with Inheritance Services
Replies: 4
Views: 937

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: 26
Views: 2017

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: 5363

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: 68
Views: 4732

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: 5363

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: 1631

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: 23
Views: 1184

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: 126
Views: 8065

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: New York Times--NYTimes: Freezing Credit Will Now Be Free. Here’s Why You Should Go for It.
Replies: 23
Views: 3509

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: 47
Views: 4742

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: 1631

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: 748

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: 47
Views: 4742

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: 7137

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: 22
Views: 3026

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: 47
Views: 4742

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: 47
Views: 4742

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: 2081

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: 47
Views: 4742

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: 762

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: 2165

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: 736

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: 17637

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: 2027

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: 17637

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: 1018

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: 8089

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: 3902

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: 9755

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: 4349

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: 4572

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 ?
by blevine
Fri Aug 31, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4349

Re: Zelle, online payments

Used it once, when Allstate wanted offered to reimburse me after an accident via Zelle or check, I signed up for Zelle and the payment receipt went smoothly. Have never used it to pay anyone since. My kids use venmo among their friends. I use paypal mostly for ebay but sometimes other sites where I ...
by blevine
Tue Aug 28, 2018 11:42 pm
Forum: Personal Consumer Issues
Topic: What to put in a care package for college student
Replies: 44
Views: 2655

Re: What to put in a care package for college student

Home made brownies....if they survive the trip from oven to the package.
by blevine
Mon Aug 27, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 5397

Re: Planning for an Indian wedding In NY/ NH area.

Absolutely do not pay for such an extravagant wedding. Setting a bad precedent. If her family wants to spend their money, maybe you can’t and shouldn’t stop them, but they also can’t force you, unless you let them.
by blevine
Thu Aug 23, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 21
Views: 5152

Re: What is a lemon? 2018 Outback Infotainment issues

Have owned 4 Subarus, 2 of which had manu defects. Subaru simply can't fix such things. If they dealer does not have instructions how to fix a common issue, even ones well documented online, they have no place to go. Subaru in Japan simply will not figure it out and provide a fix to the dealers. I d...
by blevine
Thu Aug 23, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: How come people use Amazon Locker?
Replies: 15
Views: 1531

Re: How come people use Amazon Locker?

I used it to RETURN an item. Instead of going to the USPS or elsewhere.
Free return shipping, just print the Amazon locker label, scan at the locker and place inside your assigned box.

I really hate going to the USPS and UPS/Fedex are expensive.
by blevine
Thu Aug 23, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Buying a used Subaru
Replies: 16
Views: 1842

Re: Buying a used Subaru

Agreed with much of the comments above. I have purchased 3 new and 1 used, most recent used off lease. I did get a pretty good deal, and elected to forgo the extended warranty due to my good experience with same exact car (2014 Forester purchased new in 2014, then 2015 Forester purchased used in 201...
by blevine
Wed Aug 22, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do Universities "Bait and Switch" Financial Aid?
Replies: 16
Views: 1417

Re: Do Universities "Bait and Switch" Financial Aid?

Good info above, different answers for financial aid vs merit based scholarships. That said, there are SOME schools that do not put a GPA min to retain the merit scholarship. One of my sons was accepted to two tech/engineering schools, that specifically indicated one only has to "be in good standing...
by blevine
Wed Aug 22, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Varying college costs across kids in the same family
Replies: 92
Views: 5106

Re: Varying college costs across kids in the same family

I personally don't think kids at 17-18 years old are ready to make such decisions completely on their own. They have no context. None for the value of the education nor the cash. All this would do is bring out their predispositions (such as hoarding money or desire for prestige/name brands). Yes the...
by blevine
Wed Aug 22, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Cell phone insurance
Replies: 25
Views: 1857

Re: Cell phone insurance

Why not truly self-insure. Make the "premium payments" for all the insurance/extended guarantee items you consider purchasing, into your own insurance fund (IF similar to an EF). Then you'll collect hundreds of $ for every TV, phone etc you buy, and if ANY of them die, file a claim to yourself. I be...
by blevine
Wed Aug 22, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: 529 withdrawl timing
Replies: 10
Views: 1064

Re: 529 withdrawl timing

One reason I decided not to fully fund all in 529, just a portion. Headaches often come from optimization. I made sure I had enough to cover at least half the cost of private school educations, or all of public. Since the kids went private, was easy. Just have all costs paid directly to the school f...
by blevine
Tue Aug 21, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Military career/college options (engineering - nukes?)
Replies: 45
Views: 2651

Re: Military career/college options (engineering - nukes?)

Long ago, but as a freshman eng student, the Navy ROTC contacted me after a very good 1st year grade-wise. Wanted to give me a full tuition scholarship for the remaining years (private college) of undergrad. Were also willing to pay for graduate masters in nuclear engineering. Of course with the com...
by blevine
Sat Aug 11, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Crossroad of what to do next?
Replies: 37
Views: 2738

Re: Crossroad of what to do next?

Think about the emergency fund questions I raised and consider if your 6 months is sufficient or not. If not, split somehow between EF and loans, else I would payoff asap. I also agree that gradual payoff over a few months or immediate is ok either way, it’s a balance of stability vs optimal savings...
by blevine
Sat Aug 11, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7683

Re: Rude response from boss re: market adjustment

Comments from execs I have worked for : If you want lunch breaks, work at the post office. You could be selling apples on the street. The graveyards are full of indispensible people. These comments to employees who were otherwise deemed to be doing a good job. The comments are meant to imply, you ar...
by blevine
Sat Aug 11, 2018 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Crossroad of what to do next?
Replies: 37
Views: 2738

Re: Crossroad of what to do next?

You asked for advice, having already excluded some of the choices. I was in a similar situation and I paid off all loans. First, note that the rates you pay are from your post-tax income. To earn enough to pay the loans, by investing the loan amounts, you need to earn a higher taxable rate than your...
by blevine
Fri Aug 10, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Crossroad of what to do next?
Replies: 37
Views: 2738

Re: Crossroad of what to do next?

Paying off high rate debt like student loans gives you the best return on investment. Once that is done, you can consider the next best roi. Emergency fund for possible loss of income would be a priority too, before worrying about ira vs 529 etc. But get there asap, so you can take that next step to...
by blevine
Thu Aug 09, 2018 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: VTHRX idea as Target Retirement funds
Replies: 9
Views: 739

Re: VTHRX idea as Target Retirement funds

Idea is sound, though when the time comes you will want to consider moving to more or less aggressive once you decide on purpose. Later or earlier year.
by blevine
Thu Aug 09, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Employer will not indemnify me cause I am retired
Replies: 56
Views: 5498

Re: Employer will not indemnify me cause I am retired

Do like me, marry a lawyer and then you get free lifetime legal services.
I fear no frivolous lawsuits (and they should fear my wife, I do :-)

Don't get out of bed and leave your home, someone might sue you....
by blevine
Thu Aug 09, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Excellent Vanguard Service!
Replies: 8
Views: 1776

Re: Excellent Vanguard Service!

I thought Flagship reps were no longer assigned per-account - at least not for mere base-level Flagship accounts. Maybe yours is Select or some higher level. from the website : Voyager Select client at Vanguard "offers you a team of experienced investment professionals" Flagship says "a dedicated r...