Search found 271 matches

by Nummerkins
Thu Nov 08, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic withdrawal with Vanguard
Replies: 24
Views: 1778

Re: Automatic withdrawal with Vanguard

Are you looking in the right place? I have no issues in my brokerage Rollover or Roth IRAs. You can only do automatic transactions on Vanguard mutual funds, not ETFs even in a brokerage account. My Accounts > Account Maintenance > Automatic Investment I choose the destination and then the source (se...
by Nummerkins
Tue Oct 16, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard not allowing reversals of Roth IRA recharacterizations
Replies: 10
Views: 841

Re: Vanguard not allowing reversals of Roth IRA recharacterizations

It's a tax law change. Notice probably went out because Oct 15 passed and taxes are supposed to be finalized.
by Nummerkins
Mon Oct 15, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 480
Views: 45811

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

As luck would have it I deposited some money on 10/10 after fulfilling requirements at another bank. Thanks Ally!
by Nummerkins
Mon Oct 08, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard [Portfolio help requested]
Replies: 23
Views: 2710

Re: Fidelity or Vanguard

If you have not experienced any issues with Fidelty I don't see a reason to move. You can build the 3 fund portfolio cheaper than at Vanguard.
by Nummerkins
Sat Sep 15, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 52
Views: 8743

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

I just started using Mint. It is free and works pretty well so far. Just forcing me to think about categorizing my spending was useful. Though it would be nice if you could subdivide a spending entry among different categories--Costco can be groceries or furniture or electronics. You can -- split t...
by Nummerkins
Tue Sep 11, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: Robinhood Is Making Millions Selling Out Their Millennial Customers To High-Frequency Traders
Replies: 20
Views: 5809

Re: Robinhood Is Making Millions Selling Out Their Millennial Customers To High-Frequency Traders

Vanguard Brokerage routes primarily though HFT firms. https://vrs.vista-one-solutions.com/sec606rule.aspx?clientid=VANG According to this document Vanguard is not paid for order routing, but by using these firms they expose customer orders to HFT front-running. https://personal.vanguard.com/pdf/v719...
by Nummerkins
Wed Sep 05, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 131
Views: 7927

Re: Should I keep my financial advisor

No questions yet really about managing money myself. I just wanted to make sure I wasn't making a mistake by letting my advisor go. I just don't want to go solo if having a financial advisor is better. I have heard people say(outside of this forum) , its best to have experts manage your money. Also...
by Nummerkins
Tue Aug 28, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: journaling with Office 365 online hosted exchange
Replies: 4
Views: 412

Re: journaling with Office 365 online hosted exchange

You can enable litigation hold or set up retention policies. Depends on the license you paid for.
by Nummerkins
Sun Aug 26, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Are Your Investment and Retirement Accounts Protected?
Replies: 7
Views: 1327

Re: Are Your Investment and Retirement Accounts Protected?

Vanguard wants you to do all those things, yet they render a Yubikey useless by sending SMS codes if you don't have your key. Phone numbers can and do get stolen all the time to intercept SMS codes or verification code calls. NIST has deprecated SMS as not secure for 2 factor. Also, they ask for "se...
by Nummerkins
Sun Aug 12, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5327

Re: How often do you check your brokerage accounts

Weekly. If nothing else I make sure no fraud has occurred. Find out out 6 months later and I guarantee you will have a tough time getting your money back. 'Not peeking' in this day and age is unwise. A previous poster suggested off market hours if looking would cause you to make transactions.
by Nummerkins
Thu Aug 09, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: CD Index?
Replies: 3
Views: 401

Re: CD Index?

This already exists -- CDARS. It's more for keeping under FDIC limits though.

https://www.cdars.com/home/how-cdars-works
by Nummerkins
Thu Aug 02, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Nervous about not using a personal wealth manager. How do I do this myself?
Replies: 135
Views: 6989

Re: Financial Planner is going to buy funds for me. What should I find out first before letting him?

Just purchase funds yourself. There is no upside and tons of downside to having an advisor do it. Why go through the aggravation?

Post the plan he came up with and let the Bogleheads pick through it.
by Nummerkins
Sat Jul 28, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: EMV Chip + Pin priority credit cards available in the USA?
Replies: 11
Views: 679

Re: EMV Chip + Pin priority credit cards available in the USA?

"Target Credit Card can only be used at Target stores and on Target.com" That's from the application. If true, the red card is not an option at all. That is true. I called them a few years ago about using the red card overseas and they said it is for use in Target stores only. The Target Red card i...
by Nummerkins
Thu Jul 05, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant 3/2.5% card - any experience?
Replies: 44
Views: 6877

Re: Alliant 3/2.5% card - any experience?

tannerd wrote:
Thu Jul 05, 2018 8:53 pm
I just upgraded to this card and wanted to know if the actual card was plastic or metal?

Thanks! :happy
Plastic
by Nummerkins
Mon Jun 25, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?
Replies: 44
Views: 9133

Re: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?

Empower can be good or bad depending on what your employer negotiates. I have Empower at work and it is full of low-cost Vanguard funds (S&P 500 @ .04%) paired with Blackrock TD funds (0.17-0.21%). There is an annual fee of 0.38% of assets billed quarterly. So, all in all it could be 0.42% for an S&...
by Nummerkins
Sat Jun 02, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Capital One Visa 1.5% cash back vs. Chase Sapphire Preferred
Replies: 9
Views: 1390

Re: Capital One Visa 1.5% cash back vs. Chase Sapphire Preferred

Consider the Uber Visa card. 4% on dining, 3% on travel, 2% on online purchases and 1% on all other. No annual fee, no foreign transaction fee.
by Nummerkins
Thu May 24, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: A Lonely T. Rowe Price Account - Transfer?
Replies: 21
Views: 1447

Re: A Lonely T. Rowe Price Account - Transfer?

Move it. You can do an in-kind ACATS transfer without selling anything. Callneothr Vanguard or Fidelity and they can walk you through it/get the ball rolling.
by Nummerkins
Sun Apr 29, 2018 10:52 pm
Forum: Investing - Theory, News & General
Topic: Does anyone have experience with the IEX API?
Replies: 3
Views: 797

Re: Does anyone have experience with the IEX API?

Not sure if this is what you're after but Microsoft has built stock functions into the latest Office Insider preview:
https://support.office.com/en-us/articl ... 3cf07fbc54
by Nummerkins
Tue Apr 10, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Small company 401k plans
Replies: 42
Views: 3525

Re: Small company 401k plans

JBTX wrote:
Tue Apr 10, 2018 10:35 am
Approx 25 employees, approx half participate, I am guessing around $500k in total plan assets. Those are guesses, I don't know exact numbers.
You can find the number of participants and plan balance by doing a form 5500 lookup. All publicly available info.
by Nummerkins
Wed Mar 28, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Mac Office 2016 download on Ebay - how so cheap?
Replies: 23
Views: 3246

Re: Mac Office 2016 download on Ebay - how so cheap?

What they are selling is academic versions of the software. You can usually only get these as part of a school/university's license agreement with Microsoft so right there is a license violation. They are also selling complete Microsoft accounts with the software tied to it. That is why they don't g...
by Nummerkins
Wed Mar 07, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 ACH speed?
Replies: 10
Views: 2009

Re: Capital One 360 ACH speed?

Do your push/pull from USAA and not Cap One.
by Nummerkins
Sat Feb 24, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: new starbucks chase visa card
Replies: 23
Views: 3890

Re: new starbucks chase visa card

It has a $49 annual fee. I’d rather just earn cash back.
by Nummerkins
Thu Feb 22, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 53
Views: 6369

Re: Update: Yikes, I waited too long, am I [too late]? 50k to invest

40 quarters for eligibility for SS benefits I have worked 40 quarters in my life for regular full time jobs. Does that mean I can get SS even if it wasn't recent? Yes, create an account on the Social Security website. It will show your wage history and what you can expect to receive at a few differ...
by Nummerkins
Mon Feb 19, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Gorilla Tape for Labels?
Replies: 14
Views: 1222

Re: Gorilla Tape for Labels?

A Sharpie would work great. It can be wiped off with isopropyl alcohol.
by Nummerkins
Tue Feb 06, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Recently divorced trying to clear all of my credit card debt.
Replies: 46
Views: 3494

Re: Recently divorced trying to clear all of my credit card debt.

1) DO NOT cash our your retirement account. You will pay taxes plus penalties on it. 2) Sounds like a plan. I would take the money from your taxable account and put it into your Emergency fund. You have 1+ month of expenses saved if you lose your job. You could also cut down the entertainment to sho...
by Nummerkins
Fri Feb 02, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: All In Vanguard, Or Not?
Replies: 18
Views: 2489

Re: All In Vanguard, Or Not?

One of my favorite infographics: https://novelinvestor.com/wp-content/uploads/2017/01/novelinvestor-asset-class-returns-fy-2016.png What does well one year may not the next. Just by looking at the chart you can pick the past winners and save yourself his fee. As for knowing the future, you are both ...
by Nummerkins
Wed Jan 31, 2018 10:54 pm
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 3122

Re: looking for positive experiences transferring to Vanguard

I transferred a Roth IRA from Etrade to Vanguard with zero issues. Same for a 401k/profit sharing plan when I switched jobs. Once I filled out the outgoing custodians forms the money showed up at Vanguard a few weeks later. Due to plan rules I had to wait for a second and final distribution which al...
by Nummerkins
Mon Jan 29, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Advice on rolling IRA over into 401k
Replies: 7
Views: 597

Re: Advice on rolling IRA over into 401k

Appreciate any advice on how to evaluate how good or bad of a 401k plan I have. There are black rock targeted life path funds, TIPS,high yield bond funds There are state street large mid and international index funds Please post the fund name, ticker symbol (if available), and most importantly, the...
by Nummerkins
Fri Jan 19, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Accounts
Replies: 22
Views: 2730

Re: Edward Jones Accounts

Welcome!

I would pick up a copy of the Boglehead's Guide to Investing. It will tell you how to do everything yourself with minimal effort.

And yes, you are right to flee Edward Jones. They are siphoning off your money, rain or shine. You CAN do better :)
by Nummerkins
Wed Jan 17, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs IRA Rebalance
Replies: 1
Views: 192

Re: Vanguard vs IRA Rebalance

What do they know that makes it worth paying them .50% of your assets, rain or shine? Nothing. Stick with Vanguard.
by Nummerkins
Mon Jan 15, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Best rock solid router with vpn server and guest network
Replies: 12
Views: 1286

Re: Best rock solid router with vpn server and guest network

Have you been keeping DD-WRT up-to-date? New builds are typically release every few weeks.
by Nummerkins
Mon Jan 15, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 5628

Re: A "Home" cell phone?

Verizon sells a device that takes the cell signal as input and has phone jacks as the output. You can still use your regular old phones but the calls are routed over the cell network instead of landline.

You could also just use another cell phone as well as others have suggested.
by Nummerkins
Sat Jan 06, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Does the 3 fund portfolio seem somewhat flawed?
Replies: 79
Views: 7993

Re: Does the 3 fund portfolio seem somewhat flawed?

The point of the portfolio is that it’s well diversified and simple. If you are going to do that you might as well pick different term bonds funds, different international funds, throw in REITs and whatever else, thus ending up with 10+ funds to manage and balance. KISS!
by Nummerkins
Fri Jan 05, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard: No more buy/sell transactions in writing?
Replies: 31
Views: 2915

Re: Vanguard: No more buy/sell transactions in writing?

You can still deposit/withdraw by mail/check, but only to/from your settlement account.

See here: https://investor.vanguard.com/investing/written-orders
by Nummerkins
Tue Dec 26, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping seldom-used credit cards active
Replies: 11
Views: 1453

Re: Keeping seldom-used credit cards active

Paying before the due date will usually result in a $0 balance reported to the CRAs which looks to them like no usage. Pay AFTER the statement cycles. Having 1-10% usage each month is what they are looking for. Note that usage does NOT equal paying interest, just be sure to pay after the statement c...
by Nummerkins
Tue Dec 19, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Are stamps like this legit? They are way below face value.
Replies: 8
Views: 1270

Re: Are stamps like this legit? They are way below face value.

Should be. Most likely, someone got a $50 credit with something like Stamps.com, printed all the stamps and it selling them to make some money.

If they are not, the USPS takes mail fraud VERY seriously and they will get caught.
by Nummerkins
Mon Dec 18, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Considering a Job Change
Replies: 17
Views: 1355

Re: Considering a Job Change

You've young. What difference does the extra 120k/year make at this stage? I'd argue not much especially since you aren't doing anything with it anyways. Go to the startup, start a family. Life is too short to be miserable especially since the 'lower-paying' job more than meets your needs.
by Nummerkins
Sun Dec 17, 2017 7:44 am
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 14042

Re: Best 401k Employer Match Structure

One important thing to look at is the vesting schedule. The traditional 6 years is nuts in my mind. I understand the attempt to build loyalty but I would try to shorten it up to instant or 3 years max.
by Nummerkins
Tue Dec 12, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 48
Views: 8629

Re: best cashback credit card ?

Alliant Visa Signature card. 3% cashback on all purchases for the first year. 2.5% thereafter with a $59 annual fee. If you spend over $11,800 a year then it beats a regular 2% card.
by Nummerkins
Tue Dec 05, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: New Cash - dollar-cost averaging in?
Replies: 35
Views: 2681

Re: New Cash - dollar-cost averaging in?

Welcome! Dump it all in! Don't let fear and uncertainty paralyze you. If you have a long investing horizon then it does not matter. Plus, you were already invested in the market before you sold the company stock. If it helps, Vanguard did a study on DCA with the title "Dollar-cost averaging just mea...
by Nummerkins
Tue Dec 05, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Newport Group servicing 403bs for Vanguard?
Replies: 8
Views: 976

Re: Newport Group servicing 403bs for Vanguard?

Here is a multi-page thread on the change: viewtopic.php?t=223355
by Nummerkins
Wed Nov 22, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 77
Views: 7125

Re: Best Basic DESKTOP?

Desktops are a commodity now mostly made from the same parts on thin margins. Manufacturers make their money on add on accessories and warranties. Most will come with solid state drives because they are faster and give a better user experience. You can always buy your own wired mouse/keyboard. That ...
by Nummerkins
Tue Oct 10, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: 2 diff devices for Lastpass MFA
Replies: 3
Views: 597

Re: 2 diff devices for Lastpass MFA

You might need to set it up again. Scan the QR code or enter the recovery code into both devices. If you have the recovery code you can try using that on the second device. This works for Google auth, not sure about MS.
by Nummerkins
Thu Oct 05, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 7249

Re: Anyone go 100% Ally or another online bank for all banking needs?

I use Ally as my primary bank. I have a local CU account for depositing cash which otherwise sits at a zero balance. I haven't had a B&M bank as my primary in 15 years. I can do most things easier, faster and cheaper online. ATM refunds, free checks, 24/hour service.
by Nummerkins
Sat Sep 23, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Transfering 250K online from one bank to another
Replies: 15
Views: 2224

Re: Transfering 250K online from one bank to another

One transfer. When I log into my Ally account it shows transfers INTO Ally are limited to $250,000/day and $1,000,000/30 days.

The ACH network processes over $40 trillion in transfers per year. $250,000 will be a drop in the bucket.
by Nummerkins
Wed Jul 26, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 11640

Re: Should you wait until the due date to pay credit card balance?

You want to pay it off AFTER the statement date but BEFORE the due date. Simple as that. Why? Your credit score is built and by usage and measures your ability to pay back debt. If you pay the card before your statement date you risk $0 usage being reported and no record of you paying off the accou...
by Nummerkins
Wed Jul 26, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 11640

Re: Should you wait until the due date to pay credit card balance?

You want to pay it off AFTER the statement date but BEFORE the due date. Simple as that. Why? Your credit score is built and by usage and measures your ability to pay back debt. If you pay the card before your statement date you risk $0 usage being reported and no record of you paying off the accoun...