Search found 2221 matches

by am
Sun Mar 26, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: Bond Fund for Emergency Expenses: ETF versus bond Mutual Fund
Replies: 16
Views: 626

Re: Bond Fund for Emergency Expenses: ETF versus bond Mutual Fund

I personally do not want to expose my "emergency funds" to any type of market risk. Bond funds can tank much more than you think based on history. Increase your risk on the stock side if you want more expected return.
by am
Fri Mar 24, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 56
Views: 4947

Re: Capital One 360 $200 bonus

I've been hesitant to do bank bonuses because of taxation. Credit card deals are so much better because they're higher often and don't get taxed. Plus I hate shuffling money around from my accounts with the bank bonuses and having it tied up. I also hate how you have to wait longer for the bonus. I ...
by am
Mon Mar 20, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Malpractice Asset Protection
Replies: 18
Views: 1053

Re: Malpractice Asset Protection

I am about 10+ yrs out as attending. I have heard and read numerous times that the risk of losing assets is miniscule. Retirement accounts, pensions and house titled a certain way offers protections if you have a spouse. If you are still concerned, consult a good specialized attorney.
by am
Sun Mar 19, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 6075

Re: Am I Addicted [to contribute to my taxable account]

I hope you stay addicted when the market is falling and there is no end in sight. For me, it is harder to contribute when I see my balance fall every time I log in. But I continue because of what I have learned on this forum and because I know I am buying on sale. Good luck. There are few things bet...
by am
Wed Mar 15, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Evolving my asset allocation to slice-and-dice
Replies: 9
Views: 557

Re: Evolving my asset allocation to slice-and-dice

After 10 yrs of investing, reading many books, and being a boglhead participant, I am convinced that the 3 fund portfolio is what works best for me and my loved ones. It's so simple and easy that it's hard to believe it is the best choice for most!
by am
Wed Mar 15, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Anyone subscribe to Barron's?
Replies: 10
Views: 682

Anyone subscribe to Barron's?

I got an offer for 26 weeks for 23.40 or 52 weeks for 46.80. I haven't seen a recent publication. Is is worth reading for a boglehead for entertainment purposes?
by am
Wed Mar 15, 2017 9:56 am
Forum: Investing - Theory, News & General
Topic: Good article from Ben Carlson
Replies: 4
Views: 1023

Re: Good article from Ben Carlson

Yes, I enjoyed this post. Working more, getting a higher paying job or career, etc. were not amongst the regrets of elderly. I wonder however if working more to save more and achieving freedom counts?
by am
Wed Mar 08, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 46
Views: 5066

Re: New Vanguard Emerging Market Bond Fund

I don't understand why you would want to have exposure to such debt. As we always say, why not just take the risk on the equity side? There is plenty of opportunity on the equity side to diversify and risk your money.
by am
Wed Mar 08, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 43
Views: 6130

Re: Is the Vanguard Balanced Index Fund all you need?

It's not all you need because some decades international does better than us. I have seen a lot of recency bias on here with regards to international performance.
by am
Tue Mar 07, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1332
Views: 167883

Re: What's Your Credit Card Rewards Strategy?

The sapphire reserve offers slightly better insurance options. Like the emergency medical evacuation and medical expenses to 2500. Other than that, most of the insurance is the same. The trip cancellation is to 20k/occurrence which we used to buy anyways before the reserve card saving us hundreds of...
by am
Mon Mar 06, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 271
Views: 36670

Re: Physician Retirement Savings

I'll say the same thing here (even as a fellow doc) that i have said on other threads and that is I just don't get some of the posters goals. How many folks who have worked their backends off to accumulate 5-10+ million will just be able to throw in the towel and spend lavishly when they have never...
by am
Fri Mar 03, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Actual physical ATM access internationally, and then changing notes
Replies: 26
Views: 1149

Re: Actual physical ATM access internationally, and then changing notes

Do you know which banks are consistently most competitive or is the difference usually negligible? How can you know their exchange rates ahead of time?
by am
Fri Mar 03, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Actual physical ATM access internationally, and then changing notes
Replies: 26
Views: 1149

Re: Actual physical ATM access internationally, and then changing notes

Who sets exchange rates? Would seem it would be set by the market? Also, are the ATM refunds for chase automatic as statement credit?
by am
Fri Mar 03, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Actual physical ATM access internationally, and then changing notes
Replies: 26
Views: 1149

Re: Actual physical ATM access internationally, and then changing notes

Are there any other banks other than scwab that have transaction free atms for international?
by am
Thu Mar 02, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k contribution question and profit sharing
Replies: 5
Views: 403

Re: Solo 401k contribution question and profit sharing

I appreciate your response. I am going to do my taxes this Sat and will update you then. Hopefully my accountant will explain.
by am
Thu Mar 02, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k contribution question and profit sharing
Replies: 5
Views: 403

Re: Solo 401k contribution question and profit sharing

Why would that matter for profit sharing?

I deposited the last payroll contribution in Jan 2017 for 2016.
by am
Wed Mar 01, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k contribution question and profit sharing
Replies: 5
Views: 403

Solo 401k contribution question and profit sharing

My wife's business made 13700 w2 income as an s corp. We contributed about 14k employee + profit sharing to 401k for the year. Is this amount ok? If not, is there a way to correct?
by am
Sat Feb 25, 2017 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: schwab lowering ER's
Replies: 27
Views: 2893

Re: schwab lowering ER's

Does any other brokerage or bank offer free worldwide ATM use? Maybe fidelity?
by am
Sat Feb 25, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth and tax questions
Replies: 3
Views: 416

Re: Backdoor Roth and tax questions

To enable backdoor roths I transferred a rollover IRA to my employers 401k plan. I have a 1099-R form with the amount distributed to my employer but no details about where it went? Do I need some documentation for my accountant? Just give your accountant the 1099-R and tell him it went from an IRA ...
by am
Sat Feb 25, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth and tax questions
Replies: 3
Views: 416

Backdoor Roth and tax questions

To enable backdoor roths I transferred a rollover IRA to my employers 401k plan. I have a 1099-R form with the amount distributed to my employer but no details about where it went? Do I need some documentation for my accountant? Also, I have 1099-R form with amount distributed from the traditional I...
by am
Fri Feb 24, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 54
Views: 3609

Re: Why not hedge using futures?

It's expensive, and not hedging has been pretty effective using bogleheads principles.
by am
Sun Feb 19, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k fidelity tax forms?
Replies: 3
Views: 165

Re: Solo 401k fidelity tax forms?

Assets less than 250k so no reporting. So when I see the accountant next week, he will just take in to account the 401k contributions we made for 2016 when he does our taxes?
by am
Sun Feb 19, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k fidelity tax forms?
Replies: 3
Views: 165

Solo 401k fidelity tax forms?

I am responsible for my wife's solo 401k. Am I supposed to receive a tax form or summary of contributions for 2016? I could not find anything on line.
by am
Thu Feb 16, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Can we automate Vanguard brokerage ETF purchases?
Replies: 20
Views: 1001

Re: Can we automate Vanguard brokerage ETF purchases?

Why automate? I look forward to placing my etf trades biweekly since it's about the only thing I do most of the time with my investing accounts using the boglehesds approach.
by am
Sun Feb 12, 2017 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: What accounts to include vanguard homepage
Replies: 4
Views: 560

Re: What accounts to include vanguard homepage

With the dozen or so accounts I have, was wondering which I should use for asset allocation and to know where I stand in terms for retirement savings. Like vested pension lump sum, cash, ugma etc.
by am
Sun Feb 12, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: What accounts to include vanguard homepage
Replies: 4
Views: 560

What accounts to include vanguard homepage

Just curious what accounts others include on vanguard home page. I originally included taxable accounts, 401k and 403b, iras, 457b for years. Recently added cash accounts (checking, money market etc), HSA cash and investments, and vested pension lump sum value. I waiver between adding kids ugma acco...
by am
Sun Feb 12, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Saving for college for 2 kids: 3 and 0
Replies: 80
Views: 3329

Re: Saving for college for 2 kids: 3 and 0

With Illinois 529, not only are earnings taxed and penalized, but original contributions have a 20k/yr deduction which must be given back if not used for education. That's true. I remember Mr Bogle mentioning in an interview that he found 529s somewhat restrictive. Now I see why - if you don't use ...
by am
Sat Feb 11, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for college for 2 kids: 3 and 0
Replies: 80
Views: 3329

Re: Saving for college for 2 kids: 3 and 0

With Illinois 529, not only are earnings taxed and penalized, but original contributions have a 20k/yr deduction which must be given back if not used for education.
by am
Wed Feb 08, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire ending its Reserve 100,000 bonus point offer
Replies: 40
Views: 5495

Re: Chase Sapphire ending its Reserve 100,000 bonus point offer

I have a question........Currently I use the USAA Limitless Rewards Visa which gives me 2.5% cash back on all purchases with no annual fee as my daily driver. Is there a good reason to consider the CSR as the daily driver? I know the 1st year CSR would win hands down, but thereafter I'm not sure. I...
by am
Wed Feb 08, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 9914

Re: A note of caution from Robert Shiller

High valuations don't necessarily mean an impending crash or doom. Isn't low or average returns in the possibilities? I'll keep investing the same way I have for the last decade since it's worked. There are no good alternative for me at this point in my life.
by am
Tue Feb 07, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6897

Re: Best CC for Travel

Food for a meal or snack? Have you been to ohare or London heathrow lounges? Any you recommend?
by am
Tue Feb 07, 2017 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 150
Views: 20941

Re: Wow, Vanguard Flagship service is bad. Really bad.

I have accounts at both VG and Fidelity and have found the Fidelity service to be superior... I have very little need for service, but when I do it is outstanding .... fyi I have had a few bad interactions with Fidelity reps. Usually calling back a little later will get someone more helpful and kno...
by am
Tue Feb 07, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6897

Re: Best CC for Travel

Is there usually food in the lounges? Are drinks free?
by am
Tue Feb 07, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can I Afford?
Replies: 19
Views: 1726

Re: How Much House Can I Afford?

Mortgage should not exceed 2 x income. So with salary of 200k, a 500k house should be upper limit with 100k down payment.
by am
Mon Feb 06, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6897

Re: Best CC for Travel

My understanding is all immediate family get in with primary reserve cardholder into any lounge listed on priority pass website.
by am
Mon Feb 06, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Why Wouldn't You Want International Stocks?
Replies: 96
Views: 7585

Re: Why Wouldn't You Want International Stocks?

I see these types of threads pop up from time to time questioning investing in what's cold.

When us stocks underperform, we will see threads about increasing international, why invest in US when we live and work here, international funds are more diversified, etc.
by am
Sun Feb 05, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Stock Index is not TOTAL?
Replies: 19
Views: 1904

Re: Vanguard Total Stock Index is not TOTAL?

I wonder how many of the 3500 stocks you would have to remove before you got any significant tracking error? Especially since s&p 500 funds and total market tracks pretty close.
by am
Sun Feb 05, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve vs. preferred after 1st yr
Replies: 7
Views: 719

Re: Chase sapphire reserve vs. preferred after 1st yr

Is there any reason to keep the sapphire reserve after the first yr over the preferred? I was going to keep the sapphire reserve after the 1st year mainly for the 10k trip cancellation benefit which we used to buy from insurance companies. I found out that the saphire preferred also offers this ben...
by am
Sun Feb 05, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 84
Views: 14401

Re: Two Comma Club

Just hit 2 comma club with vested pension lump sum, kids ugma/utma accounts, cash and HSA account. Not including 529s. Does that count or should I hold off on celebrating?
by am
Sun Feb 05, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve vs. preferred after 1st yr
Replies: 7
Views: 719

Chase sapphire reserve vs. preferred after 1st yr

Is there any reason to keep the sapphire reserve after the first yr over the preferred? I was going to keep the sapphire reserve after the 1st year mainly for the 10k trip cancellation benefit which we used to buy from insurance companies. I found out that the saphire preferred also offers this bene...
by am
Sat Feb 04, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 71
Views: 10369

Re: Get $250 from Wells Fargo

Late to the game for Wells Fargo bonus. Applied today x 2 (myself and spouse). Approved and got email saying bonus eligible. Will see what happens. Have not seen any data points for people applying after the targeted language was placed in the offer around 1/31. If anyone has any info would apprecia...
by am
Sun Jan 29, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Question: Fidelity 401k - Brokerage Link
Replies: 29
Views: 2514

Re: Question: Fidelity 401k - Brokerage Link

Do you know if record keeping fees are generally applied towards brokeragelink? Seems like the 401k funds in my plan are charged while brokerage link has not? If there are fees for both, and you held etfs in brokerage link only, seems like it would be a lot of trouble to extract the fees out?
by am
Sat Jan 28, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria for admittance to the 2-comma club
Replies: 79
Views: 5852

Re: Criteria for admittance to the 2-comma club

I include my vested pension lump sum in investable assets as non stock allocation. This lump sum goes up every month regardless of market conditions and when I turn 62, I get to make a decision as to take the lump sum or annuity, kind of like with my other money. Unfortunately, it is more of a junk ...
by am
Thu Jan 26, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: British airways flight and Amex premier rewards question
Replies: 5
Views: 576

Re: British airways flight and Amex premier rewards question

So if it is British airways flight and operated by American Airlines than I am good for a 100 dollar in flight feast? :happy
by am
Thu Jan 26, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: British airways flight and Amex premier rewards question
Replies: 5
Views: 576

Re: British airways flight and Amex premier rewards question

Thanks for the response. It is a flight to London from the states on British airways. How can I find out if the charge will be American Airlines or something else?
by am
Wed Jan 25, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: British airways flight and Amex premier rewards question
Replies: 5
Views: 576

British airways flight and Amex premier rewards question

I have a 100 dollars x 2 (myself and spouse) to spend for airline incidentals- checked bags and inflight meals using my Amex premier rewards card. I am taking a British airways flight this summer which it says is run by American Airlines. For the 100 dollar reward I have to choose an airline ahead o...
by am
Sun Jan 22, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Record keeping fees fidelity 401k vs. brokerage link
Replies: 6
Views: 588

Re: Record keeping fees fidelity 401k vs. brokerage link

Reading on the internet, looks like the 75 dollar fee may be quarterly. And what's worse, if I pull the funds out of 401k and transfer to brokerage link, I may be charged a years worth of record keeping fees. Ridiculous. Going to call Fidelity tomorrow and hope for the best. Anyone have any experien...
by am
Sat Jan 21, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Record keeping fees fidelity 401k vs. brokerage link
Replies: 6
Views: 588

Re: Record keeping fees fidelity 401k vs. brokerage link

I paid 75 dollars total record keeping fees on total fidelity bond inst. and total int index vanguard with expenses of .03 and .12 in 401k. I can transfer to fidelity total bond and fidelity total intern. index with expenses of .05 and .11 in brokerage link without fees as far as I can tell. Upsetti...
by am
Sat Jan 21, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Record keeping fees fidelity 401k vs. brokerage link
Replies: 6
Views: 588

Record keeping fees fidelity 401k vs. brokerage link

My plan charges .08% for record keeping fees for 401k at fidelity. I did not see this fee for the one fund in my brokerage link account. By using brokerage link, can you avoid the record keeping fees?
by am
Thu Jan 19, 2017 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to factor pension into asset allocation?
Replies: 18
Views: 1550

Re: How to factor pension into asset allocation?

I have a vested lump sum payout or state 401a which currently grows at 6.75%. The lump sum gets updated monthly online and I include it in my bond allocation. In about 20 yrs or so I can make a decision to either go with the annuiy or get the lump sum. At that time I will adjust my portfolio.

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