Search found 2082 matches

by beyou
Tue Dec 11, 2018 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21467

Re: What percentage of your net worth is your home equity?

There absolutely is a difference between having a house with equity or not. I count it in the sense that it can be used when needed (home eq loan or sell to rent). Do not count in asset allocation since that is a way to manage risk of other asset classes. But is part of net worth.
by beyou
Tue Dec 11, 2018 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Employer's Response: 401K Choices
Replies: 26
Views: 1983

Re: Employer's Response: 401K Choices

They don’t even call it HR in many large companies anymore. Human Capital is the term. We are capital, assets to be purchased at the cheapest price possible. They do comparisons to see what competitors are doing, not what enployees want. Sometimes a race to the bottom, sometimes to the top, depends ...
by beyou
Tue Dec 11, 2018 11:48 pm
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 3909

Re: Donate to homeless?

Commuting on public transit in a large city.
Just get so many requests, I am numb to it.
by beyou
Tue Dec 11, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Employer's Response: 401K Choices
Replies: 26
Views: 1983

Re: Employer's Response: 401K Choices

They gave us cash, stock, good medical care, lots of vacation, and low fee 401k. No reason for a survey one might conclude. Been working for 3 decades, increasingly better outcome, but not due to surveys.
by beyou
Mon Dec 10, 2018 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Employer's Response: 401K Choices
Replies: 26
Views: 1983

Re: EMPLOYER'S RESPONSE: 401K Choices

HEDGEFUNDIE wrote:
Mon Dec 10, 2018 7:16 pm
In my experience HR is constantly checking the pulse of the employee base to see if they are happy, if the benefits the company is investing in actually meet employee needs. There are surveys in my inbox from them all the time.
LMAO, not at any company I have worked for !
by beyou
Mon Dec 10, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in VUSXX (Vanguard Treasury Money Market Fund)
Replies: 3
Views: 390

Re: Investing in VUSXX (Vanguard Treasury Money Market Fund)

No question about the rate. If held at Vanguard, the account would be closed after warning you and giving you the chance to fund again. Vanguard may not be able to see the balances of each shareholder at etrade.
by beyou
Mon Dec 10, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Who should be the owner of a 529 Plan for my nephew?
Replies: 14
Views: 1197

Re: Who should be the owner of a 529 Plan for my nephew?

Your first choice is a bad one and not based in accurate facts. If your SIL is the owner, she can withdraw, does not matter who is the beneficiary. Don’t put in her name given the situation. Putting in your name can impact financial aid for your own children, but given what you said about the SIL, y...
by beyou
Mon Dec 10, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in VUSXX (Vanguard Treasury Money Market Fund)
Replies: 3
Views: 390

Re: Investing in VUSXX (Vanguard Treasury Money Market Fund)

All shareholders of a fund get the same yield/dividend rate. But if you fall below the minimum, Vanguard could force closure of the account. That said, maybe through etrade the policy may not be enforced. Question for etrade.
by beyou
Sun Dec 09, 2018 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: should I invest in 529 plan? (NY resident) thanks!
Replies: 4
Views: 643

Re: should I invest in 529 plan? (NY resident) thanks!

Good fund selection and service in the plan. I funded it as you plan, and have already used it for college (in US). Yes it can be used for grad school for yourselves or the kid, and even transfered to another child if you have another. When your kid(s) are that age, they may or may not want to go ov...
by beyou
Sat Dec 08, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: What am I not getting about the value of TIPS funds?
Replies: 23
Views: 2195

Re: What am I not getting about the value of TIPS funds?

It is a hedge against a risk. If you believe there is no risk, don’t buy the insurance. But that is the decision you are making, to go without insurance. Of course there other inflation hedges, if you do care about this risk. The relative merit of options are one discussion, the need for insurance i...
by beyou
Thu Dec 06, 2018 7:27 pm
Forum: Investing - Theory, News & General
Topic: Why Retirement Is Broken And Needs To Be Reinvented
Replies: 174
Views: 11970

Re: Why Retirement Is Broken And Needs To Be Reinvented

What does it mean "overpromised" ? Why it is so difficult to account for deferred compensation ? Pensions don't necessarily have to be funded by contributions. If an employer offers a 150k/yr. salary, nobody bats an eye, but if they offer 100k/yr. plus 5k/yr. per year of service starting at age 65,...
by beyou
Wed Dec 05, 2018 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: 58 y/o nearing retirement - looking at economic/stock market indicators
Replies: 36
Views: 5209

Re: 58 y/o nearing retirement - looking at economic/stock market indicators

Search for articles in sequence of return risk. Some say reduce equities at retirement, the increase as you age. Makes sense to me, when retiring in your 50s, you still have no social security nor medicare. Seems sensible to be conservative then. As you get closer to such benefits, one can think of ...
by beyou
Wed Dec 05, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 13
Views: 1440

Re: HSA question

Minor point of clarity : Note you can have both FSA and HSA, but the FSA can only cover dental and vision, not medical expenses. Called a "limited purpose" FSA. If you have a general purpose FSA, you are likely in a non-compliant plan as far as HDHP HSA eligibility. My firm offers both types of FSA,...
by beyou
Tue Dec 04, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Anyone else not enjoy going out?
Replies: 68
Views: 12000

Re: Anyone else not enjoy going out?

AerialWombat wrote:
Tue Dec 04, 2018 4:25 pm
“The more people I meet, the more I like my dog.”
Don't have a dog and I agree :-)
by beyou
Tue Dec 04, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10855

Re: Retirement itch- when did you get it?

I saw a movie, "Lost in America", about a yuppie couple that "cashed out" to travel the country in an RV. I remember thinking to myself at the time, "Hmm, that's an interesting concept, work really hard for 10 or 20 years, save as much money as possible, and then live off the interest, or whatever"...
by beyou
Mon Dec 03, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5153

Re: Do you get a year end bonus?

My industry sees bonus as just a way to defer some of your pay to year end, and pay it optionally in case they feel poor. They even tell us our "raise" is change in total (base+bonus), and you often get NO raise in base pay, with some small increase in bonus, that leads to an even smaller percentage...
by beyou
Sun Dec 02, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: FIOS cost after initial deal ?
Replies: 7
Views: 672

Re: FIOS cost after initial deal ?

I heard they are less willing to negotiate than my local cable company. Paying about $70 all in with taxes/fees for next year, including services I don’t need. I see verizon has a deal for $40 but add router and taxes I think $60 for a year, then likely more than I am paying now after year 1. I woul...
by beyou
Sun Dec 02, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: HDHP versus regular health plan
Replies: 12
Views: 1272

Re: HDHP versus regular health plan

Not sure how common, but my companies offers 3 choices of plans, all same list of network providers, just different cost/deductible. We have “no hsa” high cost low deductible, “hsa with company contributions” at med cost, and “hsa with no company contributions” at very low cost to us. For many years...
by beyou
Sun Dec 02, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: FIOS cost after initial deal ?
Replies: 7
Views: 672

FIOS cost after initial deal ?

I have been considering moving to FIOS for internet only service. Not so much bandwidth but latency is the goal, so the 100MB service seems sufficient (same speed I have with cable). Want to know, exactly how much have they charged for their list price after the initial 1 year price guarantee ? I do...
by beyou
Sat Dec 01, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: The BIG question - Asset allocation in retirement
Replies: 17
Views: 1789

Re: The BIG question - Asset allocation in retirement

Seems to me that Social Security and annuities are you long life protection. Taking SS at 70 for the larger payout is a bet or protection against long life. Increasing equity allocation during retirement is also a bet/protection against long life. Do you really need both ? Why not spend down you equ...
by beyou
Sat Dec 01, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: United HealthCare
Replies: 27
Views: 1966

Re: United HealthCare

Long ago had BCBS briefly, and it was terrible for us.
Have had UHC for many years and it’s been very good.
Unfortunately my employer is moving to Aetna, already know we are losing a couple of docs from the network.
by beyou
Thu Nov 29, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Advice On Job Offer
Replies: 12
Views: 1244

Re: Advice On Job Offer

One of the benefits of financial security is flexibility to make such decisions, ones that are likely only beneficial in the longer run. You say you have such security, capitalize on it and take the job. And in the case there seem to be short term benefits too. How can you not place a value on a day...
by beyou
Tue Nov 27, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: $724k in debt and I want to buy a home.
Replies: 54
Views: 6464

Re: $724k in debt and I want to buy a home.

If I took out debt to become a physician, I would be focused 100% on leveraging that training and not get too distracted. Owning a house and side businesses are distractions. You need some room for downtime and financial flexibility. I faced similar decision when younger, wanted to rent, but buying ...
by beyou
Tue Nov 27, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop and settle at one place?
Replies: 27
Views: 3077

Re: When to stop and settle at one place?

Having opposite event in my life. Employer is moving, I don’t like employer, declined offer to pay relocation costs, and using this as an opportunity to move on. Should eventually get severance package, and if that doesn’t come soon, maybe can retire. If faster than expected, I am ready for new chal...
by beyou
Tue Nov 27, 2018 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding wash sale
Replies: 27
Views: 1706

Re: Avoiding wash sale

You do not need to sell anything in your ira unless you want to take some bond exposure there. As to the 31 days, this is both forward and backward looking. If you bought anything in last 31 days, you need to wait. And once the last purchase is 31 days in past, go ahead with sale, but wait 31 days t...
by beyou
Tue Nov 27, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: How do value the cost of commuting?
Replies: 54
Views: 3430

Re: How do value the cost of commuting?

I have turned away opportunities for better title and higher pay, to keep the total flexibility I now have, and to avoid relocation. LBYM and don’t let pride make decisions for you. That said, if your company values you enough to give you accommodations to wfh, use that to negotiate for raises, prom...
by beyou
Tue Nov 27, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: Fisher Investments - Help a family member leave
Replies: 28
Views: 2764

Re: Fisher Investments - Help a family member leave

That said, for some investors, using an advisor, even a relatively pricey one, may be worthwhile, IF the alternative is worse. i.e. If an individual is one who would otherwise self-manage their finances very badly. Lifestrategy or Target Date funds can help anyone do better on their own. Dont see h...
by beyou
Tue Nov 27, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding wash sale
Replies: 27
Views: 1706

Re: Avoiding wash sale

If you have no reinvestment of dividends in your taxable account, and use different funds in IRA vs taxable, you would have no issues. Regarding "different", this is another debate, but if a different index or asset class for sure then no issues. Personally I practice asset location and therefore do...
by beyou
Mon Nov 26, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Google Voice, do unused numbers get deleted?
Replies: 21
Views: 2079

Re: Google Voice, do unused numbers get deleted?

I bought the Obihai device also to further reduce my dependence on cable. But I didn't bother to spend the time/money to port my old home number, 95% of calls were robocalls anyway. I give my "new number" to people I actually want to call me and then have it ring in my house and sometimes on my cell...
by beyou
Sun Nov 25, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: taxact 2018 tax year software price increase 100%?
Replies: 32
Views: 3519

Re: taxact 2018 tax year software price increase 100%?

You may want to review https://www.consumeraffairs.com/finance/taxactonline.html before using them. Ed Above notes people fo whom their taxes were never filed by TaxAct. While have not heard of same problem before from any of these service, I usually go to my state tax collecting website to verify ...
by beyou
Sat Nov 24, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: COBRA [signing up for the first time]
Replies: 22
Views: 1147

Re: COBRA [signing up for the first time]

May vary by state, but the plans available in my state for ACA are just terrible. They not only have very high deductibles, but not HSA eligible (no further deductible contributions allowed). They have only in-network coverage and terrible networks with few of our favorite local doctors in their net...
by beyou
Wed Nov 21, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: How to Withdraw Money in Retirement, Following a Down Year
Replies: 58
Views: 5433

Re: How to Withdraw Money in Retirement, Following a Down Year

OP describes ways to optimize return via various strategies. The point of asset allocation is to manage risk, not optimize return. If you feel a 40/60 or 60/40 AA meets your risk/return tolerance, then you want to maintain that AA. I plan to change little of my management strategy when I retire, oth...
by beyou
Mon Nov 19, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Switching to Vanguard from USAA
Replies: 15
Views: 1247

Re: Switching to Vanguard from USAA

Etrade sells Victory and USAA funds. Not sure they sell all of them, but check.

You can buy Vanguard ETFs at Etrade or any of the major brokerages, to supplement your USAA funds if you don't want to sell them.
by beyou
Mon Nov 19, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Time to buy/lease an electric or hybrid?
Replies: 22
Views: 2866

Re: Time to buy/lease an electric or hybrid?

Just got an email ad from Subaru that a 2019 hybrid model will get up to 90 MPG !
Will believe that when I see it.
by beyou
Mon Nov 19, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17168

Re: Vanguard lowering Admiral level to $3,000?

This is way overdue.
I can't imagine why any new investor wouldn't buy the ETFs over the Investor shares ?
Why pay more ?

What also annoys me is the fact they are not doing same for active funds.
My muni funds are admiral, as such are hostage to Vanguard as custodian and they have $50k minimums.
by beyou
Sun Nov 18, 2018 11:47 pm
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 1932

Re: What convenience fees does your city charge for credit card use?

For prop taxes we can pay (or avoid by mailing in a paper check), as per their schedule : What are the convenience fees associated with online payments? ACH Check Fees Are: $1.75 for payments up to $50,000 $3.00 for payments between $50,000.01 and $75,000 2.45% with a minimum of $1.95 for MasterCard...
by beyou
Sun Nov 18, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is my husband ready to quit tenured professorship to pursue side hustle?
Replies: 97
Views: 10386

Re: Is my husband ready to quit tenured professorship to pursue side hustle?

Retiring is not just a financial decision, if one is physically not capable in terms of health (physical/mental) then take advantage of the buyout. But you have to be highly confident that health would allow you to work more than another year (would get paid for the year anyway, so you only come out...
by beyou
Sun Nov 18, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 70
Views: 10505

Re: How exactly does Vanguard's RMD service work? Rebalancing?

I don’t think it matters beginning or end of year, but I have concluded I prefer to manually sell my desired fund in one lump sum each year as an annual rebalancing. But whether you sell in one transaction, or select recurring withdrawals, same process to ach to bank like withdrawals from taxable ac...
by beyou
Sun Nov 18, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: New Crossover Confusion.....
Replies: 26
Views: 2170

Re: New Crossover Confusion.....

I will add to the crowd regarding Subaru Forester. Deceptively spacious, comfortable vehicle. Heated for both front seats, side mirrors. As to the hybrid vs gas issue, how much and where so you drive ? If mostly highway commuting, not worth getting a hybrid. My Forester gets 30+ mpg on the highway (...
by beyou
Sun Nov 18, 2018 12:10 am
Forum: Investing - Help with Personal Investments
Topic: Single Vanguard MF for Taxable Account
Replies: 9
Views: 1252

Re: Single Vanguard MF for Taxable Account

Vanguard Tax-Managed Balanced Fund Admiral Shares (VTMFX) would be simple as possible yet better for a taxable account.
by beyou
Sat Nov 17, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: New job concerns
Replies: 52
Views: 5468

Re: New job concerns

There is doing the minimum required, and there is doing more. As a long time manager, when I had to decide on layoffs, raises, bonuses, these issues affected my thinking. Those who had long commutes and made it my problem, I made it there problem. Those who went above and beyond got the raises, prom...
by beyou
Thu Nov 15, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17156

Re: Don't pay full price for SiriusXM radio

I found the sat reception was erratic in many locations and weather conditions. If you have both sat and cell phone music streaming, I still would drive places where neither works.
by beyou
Wed Nov 14, 2018 11:50 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 38
Views: 4109

Re: Finally cutting cable -- is 40mbps enough for streaming services?

latency is another issue for gamers. From what I understand, fios or other fiber optic solutions would have lower latency, which matters little for video. I have 100MB and cut the cord, used to run on 50, it was fine then too. My son complains sometimes when gaming, and I may switch to fiber, but st...
by beyou
Wed Nov 14, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching young folks how to save for retirement
Replies: 27
Views: 1952

Re: Teaching young folks how to save for retirement

Teaching the whole gamut is a great deal to take in. You dont start with calculus, you learn math gradually over a 20+ year education. No different here. For my kids, at an early age where they didn’t work, no reason to focus on investing. Focus on good spending habits. Don’t just cut the cable cord...
by beyou
Mon Nov 12, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 2790

Re: why so few 50/50 balanced funds?

montanagirl wrote:
Mon Nov 12, 2018 2:21 pm
I didn't know that. Gonna love dealing with that at 85.
At some point we all need help, if we live long enough.
If you can't logon to your brokerage once/year to setup RMD, how would you pay your many monthly bills ?
by beyou
Mon Nov 12, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2789

Re: How long have you had, or did you have, your HP-12C calculator?

Sad to see what has become of a great company, HP. In addition to my 2 12c that are going strong, many years ago I inherited at work an HP mini computer when taking over the IT group at a midsize firm. It had an external disk drive that was added, it was maybe 500MB and the size of a kitchen dishwas...
by beyou
Mon Nov 12, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Executive Search
Replies: 3
Views: 869

Re: Executive Search

The recruiters have a different process for C level positions. They are paid to bring in a specific number of qualified candidates, and have an exclusive ability to recruit for that position. You must sell yourself to the recruiter unlike recruiters of lower level positions, so you become one of the...
by beyou
Mon Nov 12, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2789

Re: How long have you had, or did you have, your HP-12C calculator?

I have TWO of them, not sure when I got them, but decades ago. I would guess they are 25 and 30 years old respectively.
Both work great except having to replace those darn batteries once every few years ;-)
by beyou
Mon Nov 12, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Severance | 401(k)
Replies: 20
Views: 1961

Re: Severance | 401(k)

Why not wait and see what happens with the new job. If you get a good new job with matching, you'll be glad you waited. if you are unemployed, having made no 2019 contributions to the 401K of your old employer, but having made some income in early 2019, you can make DEDUCTIBLE T-IRA contributions. ...