Search found 849 matches

by FinanceGeek
Mon Jul 06, 2020 8:04 pm
Forum: Personal Investments
Topic: No TIPS dividends?
Replies: 6
Views: 511

Re: No TIPS dividends?

SCHP hasn't paid a dividend since 2019.
by FinanceGeek
Mon Jun 15, 2020 7:46 am
Forum: Investing - Theory, News & General
Topic: Big Difference in TIPS fund returns: SCHP vs VAIPX
Replies: 20
Views: 1733

Re: Big Difference in TIPS fund returns: SCHP vs VAIPX

Another interesting divergence that someone on another forum pointed out: SCHP hasn't paid any dividends so far in 2020, whereas VAIPX (and iShares TIP) have. Thank you for the insight. The preference for most people is for an ETF or Fund not to pay a dividend, correct? Most people would hold bond ...
by FinanceGeek
Sun Jun 14, 2020 4:57 pm
Forum: Investing - Theory, News & General
Topic: Big Difference in TIPS fund returns: SCHP vs VAIPX
Replies: 20
Views: 1733

Re: Big Difference in TIPS fund returns: SCHP vs VAIPX

Another interesting divergence that someone on another forum pointed out: SCHP hasn't paid any dividends so far in 2020, whereas VAIPX (and iShares TIP) have.
by FinanceGeek
Fri Jun 05, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 question
Replies: 32
Views: 2626

Re: Rule of 55 question

Nothing I see on the http://www.irs.gov/taxtopics/tc558 website seems to prohibit you from working at a new employer while you're taking penalty-free distributions from your prior employer's 401k plan - as long as you separated from the prior employer in/after the year you reached age 55. The follow...
by FinanceGeek
Thu Jun 04, 2020 8:46 pm
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 123
Views: 9552

Re: Vanguard vs. Fidelity

You can utilize the strengths of both - Vanguard as best of breed asset manager, and Fidelity as best of breed asset custodian.
by FinanceGeek
Mon May 18, 2020 5:01 pm
Forum: Investing - Theory, News & General
Topic: Social Security is an asset....yet again
Replies: 129
Views: 5853

Re: Social Security is an asset....yet again

Of course any future series of cash flows can be thought of as an asset! There was an 'Eagle' proposal to treat SS benefits as an asset that could be partially liquidated in exchange for agreeing to reduced future cash flows. And honestly, if the liquidation value were comparable to NPV of the antic...
by FinanceGeek
Sat Apr 18, 2020 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to compare across all 50 state ACA plans?
Replies: 15
Views: 821

Re: How to compare across all 50 state ACA plans?

Check Florida, its an obvious ER locale and individual PPO plans exist in many counties. See my post here:
viewtopic.php?f=2&t=295333&p=4845166#p4845166
by FinanceGeek
Mon Feb 24, 2020 11:00 pm
Forum: Personal Investments
Topic: Study CFA just for personal investment and portfolio management knowledge
Replies: 55
Views: 4284

Re: Study CFA just for personal investment and portfolio management knowledge

I did the CFA program about 20 years ago, and passed all 3 exams in 3 consecutive years. Obviously AIMR wouldn't award me the charter because I didn't work in the industry. But I knew that going in. I joined the program because I thought I'd learn how to evaluate stocks and manage winning portfolios...
by FinanceGeek
Tue Feb 18, 2020 9:06 pm
Forum: Personal Investments
Topic: VG doesn't allow outbound direct rollovers?
Replies: 9
Views: 812

Re: VG doesn't allow outbound direct rollovers?

Thanks all for the replies. The receiving 401k plan only allows rollovers to be pushed in by paper check, there is no capability for me to request them to pull it. VG emailed me a link to the distribution request form, which I can fill out in Acrobat. Kudos to @anon_investor for the tip on sending i...
by FinanceGeek
Mon Feb 17, 2020 10:33 pm
Forum: Personal Investments
Topic: VG doesn't allow outbound direct rollovers?
Replies: 9
Views: 812

Re: VG doesn't allow outbound direct rollovers?

123 wrote:
Mon Feb 17, 2020 10:30 pm
I had no problems doing Vanguard to Fidelity direct IRA rollovers. You just initiate (pull) from the receiving broker side.
My 401k plan only supports 'push' method roll-ins.
by FinanceGeek
Mon Feb 17, 2020 10:16 pm
Forum: Personal Investments
Topic: VG doesn't allow outbound direct rollovers?
Replies: 9
Views: 812

VG doesn't allow outbound direct rollovers?

I'm trying to roll my various Rollover IRAs into a new employer's workplace 401k plan to avoid the pro-rata rule on future Roth conversions, take advantage of the Rule of 55, etc. One of my IRAs is at VG, where the only distribution option on the website is 'send me a check'. The BH Wiki appears to ...
by FinanceGeek
Sun Feb 09, 2020 8:32 pm
Forum: Investing - Theory, News & General
Topic: choosing Mega Backdoor Roth over Backdoor Roth
Replies: 12
Views: 961

Re: choosing Mega Backdoor Roth over Backdoor Roth

recently learned that mega backdoor means testing still exists even in safe harbor 401ks that protect HCEs for STD pre-tax 401K contributions. For that reason I'd opt for the backdoor 1st, then the mega following. Wow, I thought that HCE limits were obsolete as long as plans followed the various sa...
by FinanceGeek
Sun Feb 09, 2020 6:15 pm
Forum: Investing - Theory, News & General
Topic: choosing Mega Backdoor Roth over Backdoor Roth
Replies: 12
Views: 961

choosing Mega Backdoor Roth over Backdoor Roth

I recently took a new j*b. My new employer's 401k plan permits BOTH after-tax (non-Roth) contributions and one in-service withdrawal of after-tax contributions every 180 days. My anticipated AGI until I RE means I won't be eligible to make a deductible contribution to a Traditional IRA, nor will I b...
by FinanceGeek
Sat Feb 08, 2020 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Quality of care ratings for medical insurance?
Replies: 1
Views: 208

Re: Quality of care ratings for medical insurance?

I agree that data on policy quality is not forthcoming. I guess you could check the state regulatory agencies for volume of complaints, regulatory actions filed, etc., but in general I doubt there is more than that available. Presenting policy holder satisfaction surveys would wind up being subjecti...
by FinanceGeek
Thu Jan 30, 2020 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should We Even Bother Applying for College Financial Aid?
Replies: 28
Views: 2157

Re: Should We Even Bother Applying for College Financial Aid?

I'm a believer in the student having some skin in the game ... e.g. loans. If you want to get Federal student loans, you must file a FAFSA.

http://studentaid.gov/understand-aid/el ... quirements
by FinanceGeek
Thu Dec 12, 2019 7:44 pm
Forum: Personal Consumer Issues
Topic: Just answered telephone political poll. Now concerned.
Replies: 70
Views: 18615

Re: Just answered telephone political poll. Now concerned.

In my state it isn't require to provide a phone number when registering to vote.
So logically if you provide one, you have enabled a new source of junk calls who know your name, address, and age :oops:.
by FinanceGeek
Tue Nov 19, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Best insurance company for auto, renters, umbrella insurance
Replies: 28
Views: 2294

Re: Best insurance company for auto, renters, umbrella insurance

yosemite_mountain wrote:
Tue Nov 19, 2019 5:22 pm
I'm more interested in track record on paying claims?
Amica has been excellent for us in that regard - we have made claims on both home and auto policies over the years, and the claims were paid promptly and fairly in all cases.
by FinanceGeek
Sun Nov 17, 2019 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Where to live post-FIRE - taxes, ACA offerings, asset protection, weather
Replies: 6
Views: 1418

Re: Where to live post-FIRE - taxes, ACA offerings, asset protection, weather

>> ACA offerings on exchange: PPO option(s) with decent provider network available (vs. only HMO/EPO). I have the same concerns about RE on an ACA plan and being limited to very narrow networks and prescription formularies, and have researched this extensively. Here are 2 good sources of data about ...
by FinanceGeek
Wed Nov 06, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Options For FIRE Newly Diagnosed with Cancer
Replies: 22
Views: 2678

Re: Health Insurance Options For FIRE Newly Diagnosed with Cancer

Jessica, I think you're completely correct in the idea to move to a PPO plan. The whole purpose of any insurance is to protect against catastrophic events, and with a cancer diagnosis you've got one. You absolutely want access to the broadest network of providers possible. Its good you're in Oregon,...
by FinanceGeek
Sat Nov 02, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: No out of network coverage
Replies: 61
Views: 4147

Re: No out of network coverage

The narrow networks of individual healthcare plans gives me pause to RE. There are a few states which still offer PPO-type plans. Florida is one, at least in some counties you can buy BCBS PPOs which have access to a nationwide network via the BlueCard. Has anybody chosen a state for RE based on the...
by FinanceGeek
Tue Sep 03, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: Testing home drinking water
Replies: 7
Views: 730

Re: Testing home drinking water

Here's one for $70, $60 if you live in MI:
https://freshwaterfuture.org/services/water-testing/
by FinanceGeek
Tue Sep 03, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Testing home drinking water
Replies: 7
Views: 730

Re: Testing home drinking water

It depends on whether you're trying to test a private water supply like a cistern or well, or a public water supply. The public health department where you live should provide some rudimentary testing for coliform (bacteria), etc. at minimal cost. If you want something more in depth and are willing ...
by FinanceGeek
Mon Aug 26, 2019 5:57 pm
Forum: Personal Investments
Topic: Roth In The Future
Replies: 4
Views: 742

Re: Roth In The Future

Its likely we'll have a Federal level sales tax (VAT) in the future. That will affect Roth and Traditional IRA monies equally.
by FinanceGeek
Wed Aug 07, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Subrogation due to accident
Replies: 27
Views: 3503

Re: Subrogation due to accident

Our insurance company (Westfield) advised us to file a claim through their insurance (American Family) as they thought the process would be a lot smoother. Well it hasn't been. This is why I have Amica, they don't abandon their customers. +1. Part of the service you pay for and your insurance compa...
by FinanceGeek
Sat Jul 27, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: Should Roth & Traditional accounts be invested similarly?
Replies: 16
Views: 1441

Re: Should Roth & Traditional accounts be invested similarly?

Tax-inefficient investments which yield non-qual dividends should generally be held in tax-deferred accounts like an IRA (traditional or Roth). But since Roth's have no RMDs, consider seeding those with assets that are both tax-inefficient and have the potential for significant gains: https://www.ad...
by FinanceGeek
Fri Nov 30, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Garage door openers - please compare Chamberlain B970, B980, B1381?
Replies: 24
Views: 7639

Re: Garage door openers - please compare Chamberlain B970, B980, B1381?

Welcome to the forum. In general, we are probably not the best forum to discuss detailed reviews of consumer products. You might check out Amazon reviews of the openers you're considering. Or these sites: https://www.consumersearch.com/garage-door-openers https://bestreviews.com/best-garage-door-ope...
by FinanceGeek
Mon Aug 27, 2018 4:54 pm
Forum: Non-US Investing
Topic: Retiring to USA from Australia
Replies: 22
Views: 1657

Re: Retiring to USA from Australia

Maybe a naive question, but does US medicare offer any reciprocity for those covered by the Australian version?

If not, I'd say the whole idea of retiring in the US is pretty much unworkable, unless they just stay for periods of time that can be covered with short-term medical policies.
by FinanceGeek
Tue Mar 13, 2018 3:43 pm
Forum: Personal Investments
Topic: Freezing credit reports and opening CDs
Replies: 22
Views: 2253

Re: Freezing credit reports and opening CDs

Eliminates pins. This is crazy dumb. Criminals already have the answers to all the security questions that they ask to verify identify, so without the pin, criminals could easily unfreeze my credit. Makes the whole process useless. If a criminal can hacks into a credit bureau they have the PIN too....
by FinanceGeek
Mon Feb 19, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 6571

Re: Is window replacement this expensive?

The original windows in our home were faulty and warped within ~10 years to the point they leaked and we couldn't open/close them easily. We replaced them with Milgard casement fibreglass/woodclad. The windows were of varying sizes, but from what I recall it was ~$1500 per window including removal o...
by FinanceGeek
Wed Jan 03, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: How safe are retirement accounts?
Replies: 19
Views: 2108

Re: How safe are retirement accounts?

In many countries that have instituted a VAT, it has largely replaced is in addition to the income tax. In this scenario, withdrawals from Roth IRAs (assuming they are "consumed)" would be taxed just like withdrawals from a Traditional IRA. Fixed it for you. Income taxes haven't gone away in Europe...
by FinanceGeek
Tue Jan 02, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at age 62 perhaps?
Replies: 57
Views: 6935

Re: Social Security at age 62 perhaps?

My mother lived to be 69, that number always weighs on me when I think this question...
by FinanceGeek
Tue Oct 31, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Credit Report; best method
Replies: 17
Views: 1330

Re: Credit Report; best method

This article explains the methods of obtaining reports: https://www.consumer.ftc.gov/articles/0155-free-credit-reports. I think calling is better than using the web interface (which the last time I tried to use them demanded my email address, which I prefer not to give out). But since you're calling...
by FinanceGeek
Tue Oct 31, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 66
Views: 7478

Re: Someone spoofing my phone number?

tibbitts wrote:
Tue Oct 31, 2017 7:50 am
This happens all the time. My cell phone block list is full and I can't add any more entries.
I think the system needs to move from a black list model (list every number who can't call you) to a white list model (only authorized phone numbers get through, everyone else gets voicemail).
by FinanceGeek
Wed Oct 18, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Savings - Is it enough?
Replies: 38
Views: 5146

Re: 529 Savings - Is it enough?

Another aspect of funding 529 plans versus keeping money for education, in taxable, UGMA accounts, iBonds, etc. is that 529 plans have Federal and in many cases State asset protection features that protect the funds against claims made on the Donor, Owner, or Beneficiary. Depending on the state, the...
by FinanceGeek
Fri Sep 15, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Any Ford Escape drivers in Boglehead-land?
Replies: 23
Views: 3026

Re: Any Ford Escape drivers in Boglehead-land?

I have a 2017 Escape AWD as a work vehicle. I've only put 10k miles on it so far but no complaints here. I am averaging 24mpg combined city and highway driving. I do a good deal of highway driving though. I drive a lot and have had many different vehicles and can be nitpicky. If I had to nitpick it...
by FinanceGeek
Fri Sep 08, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 11639

Re: Fidelity Security

AAA wrote:
Fri Sep 08, 2017 9:26 pm
Okay, but just to confirm (as I'm not sure a Fidelity rep would necessarily know or share): Symantec doesn't know your Fidelity password, right?
As far as I know, Symantec only provides the second factor: a 6 digit number which changes every 30 seconds.
by FinanceGeek
Fri Sep 08, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 11639

Re: Fidelity Security

I am also interested in how this works especially if one has both Fidelity and Etrade. Etrade also use Symantec VIP access. It works great, just give both vendors your Symantec VIP key. With Fidelity you type the 6 digit code into a separate web page after putting in your password. With Etrade you ...
by FinanceGeek
Wed Sep 06, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 7703

Re: What is the main purpose of holding your current job?

1.5 --> it provides access to large group health insurance, with a much better provider network than I could get (at any price) with individual HI
by FinanceGeek
Thu Aug 17, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 11980

Re: ObamaCare 2018

With my insurance, even though the deductible doesn't kick in until $7500, I typically get 30-90% off. Doctors tend to be on the lower end, but blood work and CT scans tend to be closer to 90% off. I've always wondered why the insurance companies don't sell "membership" in their negotiated pricing ...
by FinanceGeek
Wed Aug 16, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 11980

Re: ObamaCare 2018

It's going to be a race to the bottom in most states this year. Which company can provide the worst network at a price that people still find halfway reasonable? Exactly. What's missing from the KFF's otherwise excellent article is a discussion of the range of provider network sizes and out of netw...
by FinanceGeek
Mon Jul 17, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 106
Views: 14640

Re: Is it still worth buying a house in a state with insane property taxes

Property taxes per se don't matter. The question is whether the overall cost - mortgage payment, insurance, and taxes - is worth it. At the end of the day, it doesn't matter to you how much of the check goes to the government and how much goes to the bank. It is possible that a house with higher ta...
by FinanceGeek
Fri Jul 07, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 14218

Re: Buying a house in FEMA flood zone X

From the FEMA website http://www.floodmaps.com/zones.htm Zone X - Areas determined to be outside 500-year floodplain determined to be outside the 1% and 0.2% annual chance floodplains. We are concerned about the flood zone X. Should we buy it or not? Any advice. We are currently under attorney revie...
by FinanceGeek
Tue May 23, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Company "Case Manager"
Replies: 15
Views: 4187

Re: Health Insurance Company "Case Manager"

Anybody who works for any company is either there to make money or save money. If you are being contacted by someone who isn't trying to sell you something, its the latter!
by FinanceGeek
Fri Apr 21, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 6637

Re: Best vacuum cleaner for pet hair?

About 20 years ago, I bought a Miele White Pearl canister vacuum with a motorized power head to deal with pet hair. It's needed a couple of belt changes and one replacement of the power cord winder over the years, but still works great. It wasn't cheap, and I don't think its made any more. I'd defin...
by FinanceGeek
Sun Apr 09, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Trip Ideas - San Francisco & Northern CA
Replies: 31
Views: 3809

Re: Trip Ideas - San Francisco & Northern CA

rob wrote:- Love coastal cliffs & rock pools.
Point Lobos in Carmel. Try to go on a weekday to avoid the crowds.
http://www.parks.ca.gov/?page_id=571
by FinanceGeek
Wed Mar 15, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Buying a rental car.. Any new experience?
Replies: 76
Views: 10794

Re: Buying a rental car.. Any new experience?

What about Enterprise that, apparently, acquires a lot of its used cars for sale at such auctions? Do other car rental companies acquire cars for sale that are nor their former rentals? This is a very serious claim. Do you have any evidence that Enterprise sells vehicles which were not part of thei...
by FinanceGeek
Tue Mar 07, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Buying a rental car.. Any new experience?
Replies: 76
Views: 10794

Re: Buying a rental car.. Any new experience?

I have bought several SUVs from Enterprise Car Sales over the years. They were one of the first to offer a 7 day period in which we could unwind the sale if we changed our mind. Never did that, but the option to do so was very much an influence in buying from them versus a used car generally. The ve...
by FinanceGeek
Tue Feb 28, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 69
Views: 9476

Re: Fidelity drops equity trade fee to $4.95

I don't trade often, so a $3 savings on commission is not significant. Not getting a good price execution versus current bid/ask can easily wind up costing more than the commission...
by FinanceGeek
Mon Feb 13, 2017 10:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Reaches $4 Trillion for First Time
Replies: 25
Views: 5391

Re: Vanguard Reaches $4 Trillion for First Time

Its great that Vanguard (and passive investing generally) have achieved such preeminence.

That having been said - I choose to hold my Vanguard ETFs at Fidelity. This combines the superior player in passive investing with the superior player in customer relationship management. Best of both worlds.