Search found 1152 matches

by centrifuge41
Thu Nov 16, 2017 9:34 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 39969

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Please see the wiki . Has any put together a comparable list of Vanguard Funds to the new commission free funds? Sorry if this has already been posted, but I read through a lot of post and didn't see it. I am in these funds and would rather just move to the comparable commission free fund then deali...
by centrifuge41
Mon Oct 16, 2017 10:34 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 39969

Re: Fellow TDA bogleheads

Please reference the wiki and feel free to make updates if you gather any other findings.
by centrifuge41
Wed Sep 27, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Increase 401K percentage or contribute to ESPP?
Replies: 14
Views: 927

Re: Increase 401K percentage or contribute to ESPP?

Yep, just use the ESPP as a churn-through to net the freebie money; sell early sell often. If the ESPP funds can be sold same month, then it doesn't take much extra liquidity at all to do it. If the ESPP funds have to be held for some time, then it takes a bit of liquidity to get to the point in the...
by centrifuge41
Tue Aug 29, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Concerns about under/over funding 529
Replies: 16
Views: 1447

Re: Concerns about under/over funding 529

Don't worry and just leave it be. The stable value plus earns 2.59%. Even if you ended up using it for non-qualified reasons, it'd net 2.33 (though you'd be on the hook for returning the state income tax deduction, paying 10% penalty-on-gains, and paying federal income tax on growth). But how is tha...
by centrifuge41
Thu Aug 17, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 16806

Re: Lost $7000 today in ONE DAY!

Sweet, time to get more equities! :D
by centrifuge41
Tue Aug 08, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K selections, please
Replies: 4
Views: 531

Re: Help with 401K selections, please

Doesn't look like much that's good on the NTF self directed list. I saw some stuff in the .4% to .5% range but didn't find anything lower, after combing through it quickly. Likewise, self-directed costs too much. You have solid choices though, so don't worry. US Equity Index fund costs 0.06% and is ...
by centrifuge41
Wed Jul 19, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 48
Views: 5199

Re: Is Amex Platinum worth the high fees?

If you can use the $200 uber credit, and $200 airline credit, then it's in a way, $150 AMF. It seems like the one unique benefit of most cards in the $395+ range is airline lounge access. Chase Sapphire Reserve is also effectively $150 AMF after subtracting $300 travel credit from the $450 AMF. Do y...
by centrifuge41
Fri Jun 23, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Investment path for home (cha-ching)
Replies: 14
Views: 1372

Re: Investment path for home (cha-ching)

Hi Dee-89, Yes. That's right. Avoid risk and look at 5 year CDs perhaps. Maybe find ones that pay decent interest and also have a small early termination fee, just in case. Don't mind TheJoker's thoughts too much. Apartment rents have gone up, say, 100 a month per year (1750 to 1850, or 5%+), but ho...
by centrifuge41
Fri Jun 23, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: How do you approach your ESPPs
Replies: 26
Views: 1403

Re: How do you approach your ESPPs

Awesome plan! How much can you contribute? If 10% of your salary, then the plan is worth an additional 1.7% on your salary, or more (e.g. if the stock went up). If 15% of your salary, that plan is +2.6% or more on your salary. You do well to contribute the max, and sell asap after each holding perio...
by centrifuge41
Thu Jun 22, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: How do you approach your ESPPs
Replies: 26
Views: 1403

Re: How do you approach your ESPPs

Tell us more about your ESPP. Like, the amount of discount, holding period, amount you can participate with, etc. I use mine as a churn-through, equivalent to an additional 2.6% of salary. No reason to hold long term with mine. Completely compatible with monthly/yearly budgets, and as a churn-throug...
by centrifuge41
Thu Jun 08, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: HSA with HSA bank (my options?)
Replies: 41
Views: 3801

Re: HSA with HSA bank (my options?)

You are going to incur the $3 fee from TDA to use their brokerage service regardless of how much cash you keep at HSA. One poster above mentioned how he has no fees so I assume he has a special deal going that I'm not aware. If you don't need the $5k for medical expenses for that year it of course ...
by centrifuge41
Thu Jun 01, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: What to Do with Yearly Employer Bonus?
Replies: 10
Views: 1130

Re: What to Do with Yearly Employer Bonus?

Yeah, TD Ameritrade has fee-free ETFs, including a lot of Vanguard ETFs. Need to enroll before buying though. Should be an easy one-click option.

Of course, you may prioritize debt pay-down, or making sure the emergency fund is set. That's ok too.
by centrifuge41
Mon May 22, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Which International in Taxable?
Replies: 3
Views: 702

Re: Which International in Taxable?

Back then, FTSE All World was a 3rd generation fund, and Total Intl was a 2nd generation fund. They improved Total Intl, and leapfrogged it into a 4th Gen fund. It is a "better mousetrap" now. Check out this article for an explanation:

Article
by centrifuge41
Fri May 05, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Amex membership rewards help
Replies: 16
Views: 1969

Re: Amex membership rewards help

Delta and Jetblue don't expire. I think Delta's conversion ratio is better.

What if you close the card, and separately open an Amex Everyday? No AMF and also points transfer to MR airline/hotel partners.
by centrifuge41
Thu May 04, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 3763

Re: Visiting Paris for 8 days - what to do?

Yes, 8 days is plenty to venture out. We were in Paris for 4 days (1 day was a day trip to Versailles), and in the other 3 days, we got to see quite a lot, but not everything. E.g. we went to the Parthenon, but didn't have time to visit the Sacre Coeur. Carcassonne in Southern France is really cool,...
by centrifuge41
Tue Apr 04, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Some Credit Cards Make You Spend More?
Replies: 69
Views: 4892

Re: Some Credit Cards Make You Spend More?

The Q2 Chase Freedom 5x drugstore category makes me spend 1514.85 in one shot at CVS, haha.
by centrifuge41
Fri Mar 24, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house or wait in bay area
Replies: 34
Views: 4892

Re: Buy a house or wait in bay area

If you can secure a 850k home in a relatively good location for 850k and keep maxing 401k/IRAs, that doesn't sound bad at all. But I thought multiple offer no contingency was common? Inventory flies off the shelf? I know some coworkers who moved out there. To get the size that they wanted, they had ...
by centrifuge41
Fri Mar 24, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Capital One 360 Money Market account for use as checking account?
Replies: 13
Views: 1716

Re: Thoughts on Capital One 360 Money Market account for use as checking account?

I don't even think there's a billpay UI? At least not on the 360 Savings account. Why not grab both the Money Market and Checking? And put most money in Money Market, and a small chunk in Checking? I have Savings and Checking with 360. But I moved most of my funds over to Discover, since they paid m...
by centrifuge41
Wed Mar 22, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Should we participate in ESPP?
Replies: 16
Views: 1603

Re: Should we participate in ESPP?

C is probably easiest but not the cheapest. Our ESPP uses e-trade. I just sell on e-trade. I can import in the information of all the buy/sell/dividends when doing taxes. That information might not get passed on if you transfer shares to another broker. B is also easy enough, if Vanguard can pull $ ...
by centrifuge41
Mon Mar 20, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP
Replies: 16
Views: 1169

Re: ESPP

Participate!!! Don't worry too much about liquidity concerns. Since you can start selling so quickly, you'd basically be churning a portion of your paycheck through, and getting your paycheck (plus an extra 5% of your paycheck: 20% of your salary with a 25% bonus (same as 20% discount) back to you w...
by centrifuge41
Thu Mar 16, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Looking at refurbished desktop PCs
Replies: 25
Views: 2167

Re: Looking at refurbished desktop PCs

Doesn't seem like a super deal, unless you really value the SSD at retail price. We recently grabbed an i5 3000 series (Ivy Bridge) desktop off eBay for $130. Also a Lenovo. Yes, there may be spyware in the base build. But we're reformatting anyway. Roughly speaking. i5 2000 series (Sandy Bridge) th...
by centrifuge41
Tue Mar 14, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Just got my annual review today
Replies: 23
Views: 4938

Re: Just got my annual review today

Your manager-manager could be critiquing your communication skills as an effect, rather than as a cause, of budget constraints. If you are a cost center to the business, rather than a revenue center, you or one of your peers could be a total rock star, yet still end up with only a sliver of a higher...
by centrifuge41
Fri Mar 10, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on 401k, bonus
Replies: 2
Views: 410

Re: Advice on 401k, bonus

Hello gisheron, Welcome to Bogleheads! Yes, with 0.07% target retirement funds, and almost all investable assets sitting in 401k, the target retirement fund looks like the thing to do. Pick the one with the bond allocation that matches your risk tolerance. (E.g. if you pick a fund that's 30% bond, t...
by centrifuge41
Fri Mar 10, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Worth Raising Car Insurance Deductible?
Replies: 26
Views: 1986

Re: Worth Raising Car Insurance Deductible?

Yes, totally it to raise the deductible (or drop comprehensive/collision entirely)! The point of insurance is not to cover high frequency (but low $) events, such as the bulk of a $1k or $1500 car damage incident. The point is to cover super rare events that could potentially bankrupt you, or have y...
by centrifuge41
Thu Mar 09, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to split between some domestic funds
Replies: 5
Views: 451

Re: Does it make sense to split between some domestic funds

Yeah, Vanguard Institutional Index is good. But hopefully, there's a way for you to grab some small and/or mid caps elsewhere in your portfolio to balance it out.

Reference
by centrifuge41
Thu Mar 09, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Variable annuity inside of a 457?
Replies: 8
Views: 797

Re: Variable annuity inside of a 457?

Annuities are a tax disadvantage. http://investingadvicewatchdog.com/images/photofinish-1.jpg Try reading some of the threads from people who are trying to get OUT of annuities. This is a great graph! I wanted to bring to attention the Bogleheads Wiki article on Non-deductible IRAs. Sure, non-deduc...
by centrifuge41
Thu Mar 09, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a Chase Freedom Unlimited Visa?
Replies: 26
Views: 2221

Re: Should I get a Chase Freedom Unlimited Visa?

If you're looking for cash back... go for one of the 2% cards instead. Fidelity Visa (need a Fidelity account) or the Citi Double Cash. This card earns Chase Ultimate Rewards points. These are most valuable if you have a Sapphire or Ink card, which will have an annual fee. You can then transfer you...
by centrifuge41
Thu Mar 02, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Going to Tahiti and we're budget travelers
Replies: 41
Views: 4208

Re: Going to Tahiti and we're budget travelers

Sometimes there's taxis at the Moorea ferry terminals. Public transportation (Le Truck) doesn't exist. You might be able to find a nice islander willing to take you around a bit by trying to hitchhike. It's safe. We were graciously picked up by a wonderful French couple, who brought us to the pineap...
by centrifuge41
Wed Mar 01, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 65
Views: 9215

Re: BofA HSA dropping Vanguard Funds

I believe it. You need $5000 or more in the deposit account to avoid all monthly fees.
by centrifuge41
Wed Mar 01, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 65
Views: 9215

Re: BofA HSA dropping Vanguard Funds

You have to load funds directly into an HSA from payroll deduction to get the FICA deduction. So, keep your existing HSA, and if desired, also open up an HSA Bank account. You should be allowed to roll over from your employer's chosen HSA to HSA Bank 1x/year.
by centrifuge41
Mon Feb 27, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Weighing up how much to spend on house
Replies: 25
Views: 2724

Re: Weighing up how much to spend on house

Randomizer,

How did you find 2.0 to 2.5% fixed rate mortgages? It looks like 15 year mortgages go for about 3.125 or 3.25 today, and 10 year mortgages go for 2.85 or 3.0 today? Conventional, or another program?
by centrifuge41
Mon Feb 27, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Going to Tahiti and we're budget travelers
Replies: 41
Views: 4208

Re: Going to Tahiti and we're budget travelers

Moorea to Tahiti is a ferry ride away (Aremiti). Runs a few times a day, takes a bit over an hour. It was $15 one way when we were there.

Either island to Bora Bora is a short 1 hour flight away on Air Tahiti (not Air Tahiti Nui), but it can cost $350+ round.
by centrifuge41
Mon Feb 27, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Going to Tahiti and we're budget travelers
Replies: 41
Views: 4208

Re: Going to Tahiti and we're budget travelers

Yeah, I've spent a few days on Tahiti (the main island), and stayed at the then-Radisson resort. But back then, you could pull a free stopover between Auckland and LAX with Delta Skymiles. Went to Moorea for a day trip. Beautiful island. Tahiti main island is kind of run-down. Papette is a dusty sma...
by centrifuge41
Fri Feb 24, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out 401k, IRA, and HSA?
Replies: 23
Views: 2314

Re: What to do after maxing out 401k, IRA, and HSA?

Check if either employer allows after-tax 401k contributions, those can later be rolled into a Roth IRA. I had this option at my last employer and didn't understand it until I left. Or, taxable. Yeah, we call it the "mega backdoor Roth IRA". It is astoundingly good if it works well. Ideal...
by centrifuge41
Thu Feb 23, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out 401k, IRA, and HSA?
Replies: 23
Views: 2314

Re: What to do after maxing out 401k, IRA, and HSA?

Your gf contributes traditional IRA and immediately converts to Roth, correct? (Backdoor Roth IRA). I think 155k income is too much to contribute natively to a Roth IRA, even if 18k + 3350 is contributed to 401k and HSA. In a way, Roth 401k does pack more money into the account than a Traditional 40...
by centrifuge41
Tue Feb 21, 2017 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds bad in ROTH? Infographic:
Replies: 59
Views: 5181

Re: Bonds bad in ROTH? Infographic:

Yes, the nature/behavior of bonds (the interest is all short term, rather than long-term dividend/capital gain) makes bonds quite tax inefficient by nature. But interest rates are low now, and in an absolute sense, bonds don't spit out very much interest, so there's not much tax anyhow. If you want ...
by centrifuge41
Tue Feb 21, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Household budget trim: next up is cell phone plan
Replies: 30
Views: 3489

Re: Household budget trim: next up is cell phone plan

Freedompop is totally free, though it's data only (you'd have to use something like google hangouts, burning into your data bucket, for voice). Also, you may need to do some social networking with Freedompop friends to get a bigger free data allocation.
by centrifuge41
Thu Feb 16, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 65
Views: 9215

Re: BofA HSA dropping Vanguard Funds

If you would like to establish balance, then you still can.

HSA: Blackrock S&P 500 fund
Elsewhere, such as your Roth IRA or 401k: load up on small caps or extended market indices.

Link
by centrifuge41
Wed Feb 15, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 65
Views: 9215

Re: BofA HSA dropping Vanguard Funds

Just use the Blackrock S&P 500 fund, and fill out the rest of your portfolio elsewhere. Super cheap! If you really want to ditch the BofA HSA, I think that HSA Bank is a good choice. HSA Administrators charges 25bps on top of whatever Vanguard charges. HSA Bank charges no fees if the main intere...
by centrifuge41
Fri Feb 10, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: What happens to company 's profit?
Replies: 11
Views: 1426

Re: What happens to company 's profit?

A dividend could get voted on and approved.

The company could sit on a hoard of cash, in which case the market value includes that cash.

The company could reinvest the (operating) profits, and seek new markets & earnings.
by centrifuge41
Tue Feb 07, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Should we participate in ESPP?
Replies: 16
Views: 1603

Re: Should we participate in ESPP?

15% discount is equal to 17.65% gain. All for 9 trading days of hold. Over 10% of your income, that's a 1.765% raise. 17.65% in 9 trading days (minus some fees). Vs a typical investment that gives you an 8-12% return in 252 trading days (one year's worth of stock market activity). What do you think?...
by centrifuge41
Fri Jan 13, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: 24 hour stop over at LHR, what all can I visit in London?
Replies: 31
Views: 2114

Re: 24 hour stop over at LHR, what all can I visit in London?

Have you ever been to London before? If you haven't and you only have a day, I'd take one of those organized bus tours. Tacky, I know, but it really is a good way to "skim" the sights. Then on your second visit, you'll won't feel any pressure to see a famous sight that you're not deeply i...
by centrifuge41
Thu Jan 12, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Ft. Lauderdale
Replies: 8
Views: 1129

Re: Ft. Lauderdale

In addition to what others have offered, you can choose from some of this:

Go down to Miami and go to Vizcaya, Miami Beach, Wynwood Walls. Go up to West Palm area and go to Lion Country safari.
by centrifuge41
Wed Jan 11, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 3345

Re: Trip to Kona, Hawaii - Suggestions

Speaking of food, the pizza at Ohelo Cafe in Volcano (the town) was ridiculously good. They have an awesome oven for firing up those crisp thin crusts!
by centrifuge41
Wed Jan 11, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 3345

Re: Trip to Kona, Hawaii - Suggestions

Pu'uhonua O Honaunau Park is worth a quick look. The volcano is far away from where you're staying. Ideally, you book some time at Volcano or Hilo so that you don't have to pull off a lengthy day trip to get over there. Granted, there's not a lot of hotels/resorts in Hilo, since it's on the rainy si...
by centrifuge41
Wed Jan 11, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 84
Views: 15149

Re: Laundry lifestyle creep

student wrote:I used to use Tide. Now I just use the cheapest one and cold water. I don't see much of a difference.

Can anyone else attest? Tide is like ~$6 a bottle. I can get other brands for ~$1-2 a bottle with relative frequency. E.g. Xtra, Sun, Wisk, etc.
by centrifuge41
Tue Jan 10, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 21108

Re: How Bad was 2008, really?

I remember the particular point that really terrified me was after a major money market fund "broke the buck" and suddenly it seemed like nothing was safe anymore. The federal government stepped in and temporarily guaranteed money market funds and for deposit accounts increased the FDIC l...
by centrifuge41
Mon Jan 09, 2017 11:03 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 21108

Re: How Bad was 2008, really?

Yeah, every week, another few thousand laid off from various big name companies, many of which weren't financial firms. Sun Microsystems lays off thousands, HP lays off thousands, GM lays off thousands, Dupont lays off thousands. Tons of people weren't sure if their job, or their family & friend...
by centrifuge41
Fri Dec 09, 2016 4:01 pm
Forum: Personal Consumer Issues
Topic: Which country in Africa to visit?
Replies: 65
Views: 4740

Re: Which country in Africa to visit?

Avoid Egypt. I found Egypt to be quite chaotic. After I collected my luggage at the airport I found that my suitcase was cut open and some belongings were stolen . Cabs are a nightmare because of language issues. Service at even some of the best hotels and restaurants are sub standard. Traffic is a...
by centrifuge41
Thu Dec 01, 2016 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Is American Funds 20xx Target Date Retirement a good fund?
Replies: 10
Views: 1029

Re: Is American Funds 20xx Target Date Retirement a good fund?

Sorry to pile on what might be a bit tangential. Given an expensive 401k with 1.5x% Target Retirement funds from American Funds (R2), and Growth Fund of America at 1.4% (R2), what would be the better choice? I had always thought Growth Fund of America is a closet S&P 500 fund, that costs too muc...