Search found 64 matches

by crswvc
Mon Feb 10, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 26288

Re: Too Much Savings Regret

I had a good time last year (2019) at a chainsmokers concert.
by crswvc
Wed Jan 22, 2020 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pay rent electronically - Fidelity? Other?
Replies: 16
Views: 1027

Re: Rent

MotoTrojan wrote:
Wed Jan 22, 2020 9:49 am
Any options I am not thinking of?
I pay my rent with Apple Pay Cash, which is sent as a txt message and debits my debit card

I know landlord recevies the money and the landlord gets a txt that the money was sent
by crswvc
Wed Nov 27, 2019 1:36 pm
Forum: Investing - Theory, News & General
Topic: Amazon dumps Vanguard for Fidelity for it 401K plan
Replies: 22
Views: 4362

Re: Amazon dumps Vanguard for Fidelity for it 401K plan

I believe Google uses Vanguard. Let's check some other large tech companies: Apple uses Empower (AKA Great-West Life & Annuity Insurance Company) 117,600 active participants and over $7.4B in plan assets. Cisco uses Fidlity 56,200 active participants and over $11.8B in plan assets. IBM uses Fidelit...
by crswvc
Mon Apr 22, 2019 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbors sump pump pipe on my property
Replies: 25
Views: 3422

Re: Neighbors

Have him dump the water into a collection tank (possibly underground) that filters the water and feeds:
* grey water uses such as the toilets, grass etc
* a distiller for rest of the house

If extra water is available then bottle it up and sell it
by crswvc
Sun Feb 10, 2019 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: How do I keep from becoming irrelevant
Replies: 57
Views: 8055

Re: How do I keep from becoming irrelevant

Lately I find myself working for good health insurance, as I don't need the money to pay the bills.
I would work for minimum wage (not legal to work for free AND get good health insurance),
Truly not interested in passing myself off as a 23 year old :annoyed (get off my lawn)
by crswvc
Mon Dec 17, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Anyone done a "Life Settlement"
Replies: 20
Views: 3433

Re: Anyone done a "Life Settlement"

Depending on your situation it could eventually make it harder to get additional or replacement life insurance. A policy that has been sold in a "Life Settlement" situation still counts as an active outstanding policy. Insurance companies may decide that "excessive" insurance, if they will issue it...
by crswvc
Sun Dec 16, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone done a "Life Settlement"
Replies: 20
Views: 3433

Anyone done a "Life Settlement"

AKA sell my life insurance for cash before I die.

https://www.aarp.org/caregiving/financi ... ments.html

Seems like a better idea then canceling it altogether.
by crswvc
Sat Dec 01, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: declining employer benefits?
Replies: 36
Views: 4218

Re: declining employee benifits

I have not heard of anyone not able to decline benefits. However, most places will only give you a small amount for not taking the benefits. I once worked at a small company with less then 20 employees and they required everyone to accept the health insurance as condition of employment. Something a...
by crswvc
Fri Nov 30, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Too Much Savings Regret
Replies: 112
Views: 18241

Re: Too Much Savings Regret

my parents ... left [me] an inheritance ... I'm in awe as I read Boglehead topics on how people are trying to save 20/50 times their salary for retirement and wonder if this can be done successfully without sacrificing "enjoyment"? I personally try to take 3 vacations a year Congratulations! you ju...
by crswvc
Fri Nov 30, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Too Much Savings Regret
Replies: 112
Views: 18241

Re: Too Much Savings Regret

HEDGEFUNDIE wrote:
Fri Nov 30, 2018 7:52 pm
The solution to all of you who save too much is...to spend more.
Or ... Just earn less :wink:
Less stress from work and less stress from spending :happy
by crswvc
Wed Nov 28, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Lower auto/home liability, max umbrella?
Replies: 13
Views: 1146

Re: Lower auto/home liability, max umbrella?

tj wrote:
Wed Nov 28, 2018 7:11 pm

To my knowledge, only USAA, Amica and AAA have $1M limits on autos
and geico
by crswvc
Sat Nov 10, 2018 10:36 pm
Forum: US Chapters
Topic: Remember to support this free source
Replies: 21
Views: 2604

Re: Remember to support this free source

Silk McCue wrote:
Sat Nov 10, 2018 9:30 pm
crswvc wrote:
Sat Nov 10, 2018 8:24 pm
Anyway to donate with apple pay / square cash / venmo?
It look is like PayPal and mailing a check are your options.

Cheers
checks are for old people :happy , nobody uses them
PayPal and I aren’t on good terms ever since they flagged me as fraud the very first time i used it :annoyed
by crswvc
Sat Nov 10, 2018 8:24 pm
Forum: US Chapters
Topic: Remember to support this free source
Replies: 21
Views: 2604

Re: Remember to support this free source

Anyway to donate with apple pay / square cash / venmo?
by crswvc
Sat Oct 20, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Protecting large sums of cash.
Replies: 30
Views: 4399

Re: Protecting large sums of cash.

This topic keeps coming up here a lot. Just wondering when was the last time someone actually needed FDIC protection? Don’t flame me, I’m not saying you should not care about it, just trying to put a perspective in my head. WaMu (Washington Mutual) during the financial crisis. This was less than 10...
by crswvc
Sat Sep 15, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Portable Music
Replies: 12
Views: 975

Re: Portable Music

lazydavid wrote:
Sat Sep 15, 2018 8:10 am
iPods are still around too, though not available new.
Actually ... iPod Touch is still available brand new. Complete with headphone jack :shock:
www.apple.com/ipod-touch
by crswvc
Mon Jun 25, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 24354

Re: Can you retire on $2M?

In doing the math, it seems like if you're 40 with $2M you could possibly retire. $2M @ 8% interest annually for 40 years (die at 100 years old) yields you $161,000 annually. You may not draw $161,000 to start, maybe you draw $60,000 and therefore grow your overall pot over 40 years. Then again, if...
by crswvc
Mon Jun 25, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 24354

Re: Can you retire on $2M?

In doing the math, it seems like if you're 40 with $2M you could possibly retire. $2M @ 8% interest annually for 40 years (die at 100 years old) yields you $161,000 annually. You may not draw $161,000 to start, maybe you draw $60,000 and therefore grow your overall pot over 40 years. Then again, if...
by crswvc
Mon Jun 25, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 24354

Re: Can you retire on $2M?

Yes, absolutely I could and never worry about money again. As could I, totally depends on your lifestyle expectations. I suspect most, even on this board, would totally balk at the idea off living off of $40k/yr or suggest that it isn't even possible, but I disagree. With a pair of children in dayc...
by crswvc
Mon Jun 25, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 24354

Re: Can you retire on $2M?

Bacchus01 wrote:
Mon Jun 25, 2018 6:54 am
Might want to double check that math
fixed, thanks
by crswvc
Mon Jun 25, 2018 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 24354

Re: Can you retire on $2M?

In doing the math, it seems like if you're 40 with $2M you could possibly retire. $2M @ 8% interest annually for 40 years (die at 100 years old) yields you $161,000 annually. You may not draw $161,000 to start, maybe you draw $60,000 and therefore grow your overall pot over 40 years. Then again, if...
by crswvc
Fri Mar 02, 2018 12:41 am
Forum: Personal Consumer Issues
Topic: Anyone Cruise around South America?
Replies: 14
Views: 2161

Re: Anyone Cruise around South America?

We are booked on a Princess cruise around SA starting next Feb 2. I know you can never predict the weather but I am concerned about the ship rocking and rolling to the point of getting seasick. I hear the seas can be rough/and or very windy. I also hear it can be nice weather. What have you experie...
by crswvc
Sat Feb 17, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 67
Views: 10594

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

stemikger wrote:
Fri Feb 16, 2018 4:28 pm
For what it's worth Jack Bogle likes the fixed 60/40 AA.
This is a good starting point
On a un-related note is your avatar cat looking for Kyle?

http://knowyourmeme.com/memes/seen-kyle
by crswvc
Wed Nov 22, 2017 10:01 pm
Forum: Investing - Theory, News & General
Topic: Kass: Is This the End of Warren Buffett?
Replies: 138
Views: 24987

Re: Re:

InsideTheBeltway wrote:
Wed Nov 22, 2017 6:07 pm
nisiprius wrote:
Thu Jan 29, 2009 12:53 pm
From $145,000 to $85,000 a share is a drop of 42%. (Thu Jan 29, 2009 1:53 pm)
Update from the Future:

If anyone from 2009 can read this, buy NFLX stock.
IF you are reading this in 2009, dump NFLX and seek out bitcoin, yeah it crazy, :annoyed but it just might work :sharebeer :moneybag
by crswvc
Mon Oct 30, 2017 12:26 pm
Forum: Personal Investments
Topic: How do I invest in a vanguard trust
Replies: 10
Views: 1199

Re: How do I invest in a vanguard trust

You find a company that has a 401k plan that uses that Vanguard fund. Some large companies might have a multi-tens-billions plan that can invest in such a thing. Yes I do invest in it in my 401k :happy Now how to invest in it in my taxable account? Not going to happen. The SEC regulates mutual fund...
by crswvc
Mon Oct 30, 2017 10:04 am
Forum: Personal Investments
Topic: How do I invest in a vanguard trust
Replies: 10
Views: 1199

Re: How do I invest in a vanguard trust

dbr wrote:
Mon Oct 30, 2017 9:37 am
You find a company that has a 401k plan that uses that Vanguard fund. Some large companies might have a multi-tens-billions plan that can invest in such a thing.
Yes I do invest in it in my 401k :happy
Now how to invest in it in my taxable account?
by crswvc
Mon Oct 30, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 10646

Re: Is it difficult to switch from an iPhone to an Android?

Is it difficult to switch from an iPhone to an Android? Yes

Once one is using the ecosystem of Apple (iTunes music, paid for apps, iCloud) then switching becomes difficult.
However, if one only uses it for calling and the free facebook app then not much different.
by crswvc
Mon Oct 30, 2017 8:36 am
Forum: Personal Investments
Topic: How do I invest in a vanguard trust
Replies: 10
Views: 1199

How do I invest in a vanguard trust

In my taxable account I want to invest in the sp500 for 0.01% ER, which vanguard offers as VFFSX (Vanguard 500 Index Fund Institutional Select), however, the minimum is five billion and I am a bit (ok a lot) short. :( I see that vanguard also offers the "Institutional 500 Index Trust" which invests ...
by crswvc
Fri Sep 01, 2017 10:31 pm
Forum: Investing - Theory, News & General
Topic: AAPL is midcap growth?
Replies: 5
Views: 1332

Re: AAPL is midcap growth?

I want to know more about that one Small Value fund that owns Apple! So it seems every mutual fund style owns AAPL just a matter of "how much". Here I thought buying small / midcap and value / growth meant something :oops: Turns out there really is no where to hide when large cap tanks as all the f...
by crswvc
Thu Aug 31, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: AAPL is midcap growth?
Replies: 5
Views: 1332

AAPL is midcap growth?

Per this chart all funds are selling AAPL except for midcap growth.
I guess AAPL will tank soon and midcap funds are front-running the buys :annoyed

Image
by crswvc
Sun Jun 25, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards' credit lines - pros/cons of requesting reduction?
Replies: 36
Views: 4569

Re: Credit cards' credit lines - pros/cons of requesting reduction?

I'm debating whether to contact Chase to have my Chase credit cards' credit lines reduced. ... I don't know but would appreciate insights from the BH community! One thing to watch out for is Penalty clauses. A decrease in credit, for whatever reason, (even if you requested it) is a bad mark and oth...
by crswvc
Wed Jun 14, 2017 11:05 pm
Forum: Investing - Theory, News & General
Topic: International without the currency risk
Replies: 5
Views: 999

International without the currency risk

For those wanting to invest in international stocks but without the currency risk

Basically same as the Vanguard hedging options

http://www.reuters.com/article/us-inves ... SKBN19606D
by crswvc
Tue Jun 13, 2017 11:39 pm
Forum: Personal Investments
Topic: Fisher says Mutual Funds are Risky
Replies: 32
Views: 8714

Re: Fisher says Mutual Funds are Risky

Fisher wanted me to kill our annuities. Ken is funny in his commercial when he says he'd burn in hell before selling an annuity. I think he says that because they are generally sold by highly commissioned sales people. In the past two months, we received two invitations to dinner from "financial ad...
by crswvc
Mon Jun 12, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can't decide how to get [paid: W-2 or 1099?]
Replies: 15
Views: 2380

Re: Can't decide how to get pay.

I contribute to the max $18,000 to 401k and $18,000 to 403b. ... What would you do? I would follow the rules and contribute $18,000 to only a 401k or a 403b. Now if you have a 457 plan then that is a separate limit. As per IRS: The amount of salary deferrals you can contribute to retirement plans i...
by crswvc
Wed May 10, 2017 11:16 am
Forum: Personal Investments
Topic: Maximum Gain,swinging for the fences
Replies: 65
Views: 6838

Re: Maximum Gain,swinging for the fences

We are due for a huge drop any day now :greedy , just short the s&p 500 :!:
by crswvc
Wed May 10, 2017 11:06 am
Forum: Personal Investments
Topic: Portfolio Lending
Replies: 11
Views: 1612

Re: Portfolio Lending

My intent is to use this money for things other than securities so I don't need a margin account but rather something akin to a collateral loan where the pledged collateral is a basket of marketable securities. A margin account with Vanguard is what your looking for. No need to buy securities. Vang...
by crswvc
Thu Apr 27, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Lower ER .04%
Replies: 56
Views: 7503

Re: Vanguard New Lower ER .04%

BlackHat wrote:Will expense ratios eventually just reach .01%?
Your in luck, you can get the Vanguard S&P 500 fund TODAY for only 0.01%
Simply switch your admiral share class to the: 500 Index Fund Institutional Select Shares (VFFSX)
Start enjoying the benefits of a 0.01% ER TODAY!
by crswvc
Mon Apr 24, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Somebody hit my car in a parking lot
Replies: 26
Views: 5330

Re: Somebody hit my car in a parking lot

I would just pay cash for that one. Save your insurance for bigger events. It is also why I set our deductible at $2,500 for one newer car. Liability on all other cars. Careful on this, I did this once and the repair shop reported it as repaired, such that it showed on a carfax report. Then next ti...
by crswvc
Sun Apr 16, 2017 4:40 pm
Forum: Personal Investments
Topic: First $1M Net Worth Milestone Achieved
Replies: 15
Views: 5927

Re: First $1M Net Worth Milestone Achieved

darkhorse wrote:Congratulations!
Very impressive that you achieved this in fivish years kudos
MrNewEngland wrote:I don't even have $1,000,000 in total assets yet.
In CA if you get lucky and pick the right startup one million is just a few years. 8-)
by crswvc
Sat Apr 15, 2017 7:47 pm
Forum: Personal Investments
Topic: First $1M Net Worth Milestone Achieved
Replies: 15
Views: 5927

Re: First $1M Net Worth Milestone Achieved

Congrats! Looks like we have similar experience, as we also landed here in CA just over five years ago, with six figure debt, excluding mortgage :oops: Just this weekend I noticed we have entered two comma club with no mortgage and no debt :happy Sometimes I wonder for all the good this forum does i...
by crswvc
Sun Feb 26, 2017 3:11 pm
Forum: Personal Investments
Topic: expat invest through shell company
Replies: 6
Views: 931

Re: expat invest through shell company

Interactive brokers also restricts mutual funds ownership.

US Mutual Funds are only available to customers who are U.S. legal residents and have a U.S. address.
https://www.interactivebrokers.com/en/i ... &p=mf&ns=T
by crswvc
Sun Feb 26, 2017 12:56 pm
Forum: Personal Investments
Topic: expat invest through shell company
Replies: 6
Views: 931

Re: expat invest through shell company

In any case, why wouldn't you simple transfer in-kind to a broker that allows you to invest as an expat. Depending on your country of residence, Schwab may be able to. Otherwise, Interactive Brokers will do it. Mutual funds. I can't hold them as an expat and I have a lot that I would rather not sel...
by crswvc
Sun Feb 26, 2017 12:47 am
Forum: Personal Investments
Topic: expat invest through shell company
Replies: 6
Views: 931

expat invest through shell company

I am looking to be an expat for a few years and I know vanguard will close my account when they find out. Instead what if I create a corporation and then have the company invest in vanguard. Would this work? When I start the company I can transfer to the company all my shares in-kind. Will this avoi...
by crswvc
Sat Apr 02, 2016 8:01 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 28792

Re: Tesla Model 3 anyone?

I had always been curious about Teslas, I had absolutely no intention of buying one ... I was mostly just curious ... on our way to Costco one day, we stopped into the local Tesla store ... we were offered a test drive ... After driving the car for about 15 minutes, I turned to my fiancee and said,...
by crswvc
Thu Mar 31, 2016 7:31 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth...401(k)
Replies: 6
Views: 752

Re: Mega Backdoor Roth...401(k)

GKSD wrote:But what is the advantage of rolling it into a Roth 401K as opposed to Roth IRA?
Keep the money protected from creditors.
by crswvc
Fri Mar 18, 2016 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of Vanguard
Replies: 11
Views: 3022

Re: Bank of Vanguard

Do you mean VanguardAdvantage ? I don't see any benefits to it, though...unless I'm missing something, it's just a high minimum, high fee checking account with no useful distinguishing features. Except that this is not actually a bank account. Don't forget to read the fine print. https://personal.v...
by crswvc
Fri Mar 11, 2016 4:42 pm
Forum: Personal Investments
Topic: Sponsored Retirement Plans (SRPs)
Replies: 3
Views: 1518

Sponsored Retirement Plans (SRPs)

Has anyone heard of using a retirement plan for a company one does not work for? I have not heard about this before. http://www.lombardifinancial.com/reports/AutomatedIncome/index_11262014.php?dept=PC&sb=PCI1%2858751%29 Some highlights: A select group of Americans are retiring with a little-known re...
by crswvc
Sun Jan 17, 2016 3:29 pm
Forum: Personal Investments
Topic: What is your action plan?
Replies: 43
Views: 4322

Re: What is your action plan?

Last week's action plan (also in my IPS) was to buy lots and lots of equities. That's why I am overweighted in equities. Before last week, I was not overweighted in equities. Thanks for wishing me luck! livesoft, care to post your IPS? Instead of an IPS that says keep x stocks and keep y bonds your...
by crswvc
Sun Jan 17, 2016 3:56 am
Forum: Personal Investments
Topic: Buy VOO / VSS now? [Borrow to invest, Vanguard 500 / FTSE All world ex-us small caps]
Replies: 15
Views: 1590

Re: Buy VOO / VSS now? [Borrow to invest, Vanguard 500 / FTSE All world ex-us]

Why did I ask for VOO / VSS then?
I already have a bunch of s&p 500 so I know where that goes.
I have a midcap tilt already in ROTH IRA.
Time to start a small cap tilt then ... or just keep with s&p 500
by crswvc
Sun Jan 17, 2016 3:51 am
Forum: Personal Investments
Topic: Buy VOO / VSS now? [Borrow to invest, Vanguard 500 / FTSE All world ex-us small caps]
Replies: 15
Views: 1590

Re: Buy VOO / VSS now? [Borrow to invest, Vanguard 500 / FTSE All world ex-us]

You are already buying equities because you have those LifeStrategy, TargetRetirement, and Four-in-One fund. The managers of those funds are keeping your asset allocation for you. I don't think you really need to borrow at all to buy equities. It is already happening for you. Thanks livesoft! I alw...
by crswvc
Sun Jan 17, 2016 3:47 am
Forum: Personal Investments
Topic: Buy VOO / VSS now? [Borrow to invest, Vanguard 500 / FTSE All world ex-us small caps]
Replies: 15
Views: 1590

Re: Buy VOO / VSS now? [Borrow to invest, Vanguard 500 / FTSE All world ex-us]

Aptenodytes wrote:Do you know what your current AA is?
Basically:
Cash: 1
U.S. Stocks: 72
Foreign Stocks: 10
Bonds: 18

Now is this the ideal portfolio? I have no idea, which is why I am on this site.