Search found 41 matches

by nervouscorps
Sun Sep 08, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Pre-paid Funeral Expenses
Replies: 66
Views: 3912

Re: Pre-paid Funeral Expenses

Paying in advance doesn't always make sense. I am just dealing with my FIL's burial plot he bought out of state over 30 years ago which he didn't use (he died somewhere else years ago and was buried there). We found the certificate for his purchase in our files which we had totally forgotten about a...
by nervouscorps
Sat Sep 07, 2019 2:05 pm
Forum: Personal Investments
Topic: First Republic Eagle Invest
Replies: 13
Views: 1241

Re: First Republic Eagle Invest

The online brokerage has no AUM fee. It also gives you access to hard-to-find-elsewhere funds like DFA and PSLDX. I'm with FRB and have been for 1.5 years. Got a unbelievable rate on my wife's student loans. I like them a lot so far, cool to hear they do DFA funds in the brokerage account. I think ...
by nervouscorps
Sun Aug 25, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance?
Replies: 26
Views: 1437

Re: Pet Insurance?

I have Healthy Paws, and am glad I did. I had two cats die in one year, both of cancer. We got extra time with our babies due to expensive cancer treatments we couldn't have afforded otherwise. The people at Healthypaws are great and they were fast with payments. I chose HP after reviewing a Consume...
by nervouscorps
Tue May 07, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs Kaiser HMO
Replies: 25
Views: 1639

Re: HDHP vs Kaiser HMO

I've had Kaiser for over 10 years and for the most part I can't complain. My only problem has been finding great internists who are on the younger side who stay for a year or two then leave. My guess is Kaiser is a better place to be a patient than an employee.
by nervouscorps
Wed Dec 26, 2018 2:39 pm
Forum: Personal Investments
Topic: Best 401k providers for small businesses?
Replies: 5
Views: 738

Re: Best 401k providers for small businesses?

Employee Fiduciary seems to be a favorite here. Low cost, flexible, pick any funds you want. I have used them for 2 companies and they are fantastic.
by nervouscorps
Sun Sep 16, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 19485

Re: Bay Area housing frenzy cooling

Pretty funny saying Oakland isn't real Bay Area. I live here and am actually OK with that statement! :wink: Based on purely anecdotal information, it seems to me a lot of people are considering moving to somewhere between the East Bay and Sacramento-- Lodi, Manteca, Stockton, Vacaville etc. I think ...
by nervouscorps
Fri Sep 14, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 12842

Re: Age in Bonds - Still Recommended?

I'm 40, wife 47, we are 2/3 stocks 1/3 bonds which I like. I'll probably scale back to 50-50 in say, 10 years and probably hold there for quite some time.
by nervouscorps
Fri Sep 14, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 374
Views: 56382

Re: MoviePass-Too good to be true, but it's legit.

I've been with Sinemia for a month and am very happy with it-- I left Moviepass too.
by nervouscorps
Fri Sep 14, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: Fee Only Variable Annuities
Replies: 2
Views: 376

Re: Fee Only Variable Annuities

The devil is in the details-- if you read the prospectus, there are additional fees when you select low fee funds for the Nationwide Annuity (anything under .35). You end up paying a minimum of .52 total. Vanguards fee's are .15 but their funds expenses are around .40. So around .45 total Fidelity's...
by nervouscorps
Wed May 02, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: 401k Stable Value Fund Rates?
Replies: 35
Views: 3962

Re: 401k Stable Value Fund Rates?

My wife's 401k has an option from New York Life SVF that is around 1.9% right now. I wasn't tempted by it, that's just not enough for me to get interested-- I went for total bond market. If the rate goes up maybe I'll dip my toe in.
by nervouscorps
Mon Mar 26, 2018 5:23 pm
Forum: Personal Investments
Topic: Best state for ABLE plan?
Replies: 16
Views: 3703

Re: Best state for ABLE plan?

I live in California and got the plan through Ohio. California is supposedly working on establishing their plan but it will probably take some time. My concerns were funds investable (Ohio is Vanguard Lifestrategy funds) and limits of contributions.
by nervouscorps
Fri Feb 16, 2018 6:34 pm
Forum: Personal Investments
Topic: Disabled and need Investment Advice
Replies: 10
Views: 1078

Re: Disabled and need Investment Advice

If you have ongoing medical expenses that you can't reasonably pay, consider something like what we have in California called County Medical Services. Also consider speaking to a disability attorney to protect the assets you have left.
by nervouscorps
Thu Feb 01, 2018 4:26 pm
Forum: Personal Investments
Topic: Motif Investing, 2018 change in fees
Replies: 19
Views: 2632

Re: Motif Investing, 2018 change in fees

I use Motif. At first I was anxious about the fee changes but after reviewing them in detail, it actually doesn't bother me that much. Gone are the $10 rebalance and trade fees and if you have a subscription to Blue, which I did, it really isn't that big of a change.
by nervouscorps
Wed Jan 17, 2018 2:30 pm
Forum: Personal Investments
Topic: Is a Stable Value fund just a Variable Annuity?
Replies: 25
Views: 2366

Re: Is a Stable Value fund just a Variable Annuity?

In the sense that it is a investment product with a insurance wrapper, then I suppose you could call it that. I researched these a while ago to see if I wanted to add one to my company's 401K, and I don't necessarily think they are bad investments, probably better and less complicated than a variabl...
by nervouscorps
Sun Dec 03, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 6584

Re: How do I convince my employees to invest more?

I have the same "problem". Business w/30 people, with salaries ranging from 35k to 250k, and I still can't get people to invest that much. We have 100% match up to 3%. At most, people kick in 3%. Me and my wife max out our contributions but nobody else comes even close to our contributions. I've bee...
by nervouscorps
Mon Nov 13, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 142
Views: 15941

Re: Do you meditate?

How wonderful to see other meditators here :)

I have been meditating for 13 years. I am a theravada buddhist. My practice is one of the most important things in my life.
by nervouscorps
Fri Oct 20, 2017 12:04 pm
Forum: Personal Investments
Topic: Employee Fiduciary for a small business 401k?
Replies: 3
Views: 612

Re: Employee Fiduciary for a small business 401k?

I just set up our company's 401k with them and it has been great so far (first 5 months).
by nervouscorps
Wed Oct 11, 2017 1:09 pm
Forum: Investing - Theory, News & General
Topic: Why no stable value accounts for "retail" investors?
Replies: 11
Views: 1903

Re: Why no stable value accounts for "retail" investors?

My guess is too many people would use them, and also because of their structure, they are more like a insurance policy than a security or bond. So it may not even be permitted.
by nervouscorps
Sun Oct 01, 2017 2:09 pm
Forum: Personal Investments
Topic: How Safe are Stable Value Funds
Replies: 24
Views: 4057

Re: How Safe are Stable Value Funds

I just went through a whole ordeal trying to find a Stable Value Fund to put in my business' 401k plan. Most of them are closed to small businesses it seems and the only ones I could find I felt comfortable with were at 2.25% yield. Barely worth it in my opinion.
by nervouscorps
Thu Sep 28, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 20103

Re: Bay Area Real Estate

I live in Oakland and rent. Me and wife are 6 figure earners/health care professionals. The houses we want to buy are all at least 1.2-1.5m. At least in Oakland, there is definitely a bubble-- people coming in and offering 100-300k over asking. Until that stuff cools off, at least here, I won't cons...
by nervouscorps
Wed Sep 20, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: New Betterment Portfolio Strategies
Replies: 13
Views: 4805

Re: New Betterment Portfolio Strategies

Thanks for your comments Explorer, I am liking the blackrock allocation too. Like you, I don't want to load up on PIMIX/PONDX.
by nervouscorps
Mon Sep 18, 2017 3:10 pm
Forum: Personal Investments
Topic: Late Retirement Help for 65 Year Old Parents
Replies: 8
Views: 1579

Re: Late Retirement Help for 65 Year Old Parents

Would your father consider working for more than just a couple years? He may have to.
by nervouscorps
Thu Sep 14, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: New Betterment Portfolio Strategies
Replies: 13
Views: 4805

Re: New Betterment Portfolio Strategies

Not a big fan of Smart Beta but I definitely like the Blackrock Income account. May be good if you were in retirement or on the other hand if you wanted to stash away some safer $ in a pure bond situation for a very conservative allocation.
by nervouscorps
Wed Sep 13, 2017 6:52 pm
Forum: Personal Investments
Topic: Pimco PONDX increasing fee in 3 weeks - stay in?
Replies: 10
Views: 2161

Re: Pimco PONDX increasing fee in 3 weeks - stay in?

I just bought this fund the day before this was announced if you can believe it. I'll probably stay in though.
by nervouscorps
Wed Sep 13, 2017 6:51 pm
Forum: Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 6369

Re: Vanguard Health Care Fund in my portfolio?

20% is way too much. I like the fund and is one of the only sector funds I own but I think doing more than 5% is very risky. I think my allocation is 3%.
by nervouscorps
Sat Sep 02, 2017 2:44 pm
Forum: Personal Investments
Topic: What else besides IRAs and HSA?
Replies: 11
Views: 931

Re: What else besides IRAs and HSA?

Thanks for pointing the taxable out. I'm sure there must be tones of materials I can look at, but where would be a good start? [/quote] Its great you are frugal and happy-- wonderful way to be! For the taxable, You could do a Robo-Advisor like Betterment, Motif (personally I use this), Wealthfront, ...
by nervouscorps
Sat Sep 02, 2017 1:55 pm
Forum: Personal Investments
Topic: What else besides IRAs and HSA?
Replies: 11
Views: 931

Re: What else besides IRAs and HSA?

In a similar situation myself except I live in a HCOL area so I am envious your expenses are less than 10k annually. I'd start kicking into a taxable account. I was loathe to do it at first but once I did the research as to some of the other options for a situation like ours (e.g. annuities, CDs, et...
by nervouscorps
Thu Aug 31, 2017 5:18 pm
Forum: Personal Investments
Topic: Preferred stocks
Replies: 8
Views: 1293

Re: Preferred stocks

There's a good ETF for exposure to preferred: PFF, Ishares Preferred Stock Index.
by nervouscorps
Wed Aug 30, 2017 6:53 pm
Forum: Personal Investments
Topic: Deferred compensation plan? risky?
Replies: 59
Views: 3701

Re: Deffered compensation plan? risky?

I own a small business with about 20 employees. If I paid 12% on my loans I certainly wouldn't advertise it.
by nervouscorps
Tue Aug 22, 2017 12:54 pm
Forum: Personal Investments
Topic: 29 Years Old: Am I Too Conservative
Replies: 15
Views: 2138

Re: 29 Years Old: Am I Too Conservative

You can never be wrong, regardless of your allocation since its about your comfort level. You need to have an allocation that allows you to sleep at night and has the promise of meeting your needs in retirement, then there's nothing else to consider. If you have that, then there's no worries!
by nervouscorps
Tue Aug 15, 2017 6:14 pm
Forum: Personal Investments
Topic: Buy + hold to avoid being priced out in the Bay Area?
Replies: 21
Views: 2950

Re: Buy + hold to avoid being priced out in the Bay Area?

I'm sure you know that the Bay Area, at least in many areas is in a bubble. Here in Oakland, there are many what I would call just decent houses going for 20, 30, even 50% over asking price. Not sure where you are looking but even for the bay area, it feels bubbly and excessive.
by nervouscorps
Wed Aug 09, 2017 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: I pay $6K in rent. Am I an idiot for not buying?
Replies: 76
Views: 15053

Re: I pay $6K in rent. Am I an idiot for not buying?

I'm in Oakland and pay $5000/mo for a apartment I love and have decided not to buy until things cool down. I wouldn't delve into buying anything right now with the market as it is here because its insane (people paying 10, 20, even 50% over asking for so-so houses). But thats just Oakland, a couple ...
by nervouscorps
Wed Aug 02, 2017 5:20 pm
Forum: Personal Investments
Topic: Best account type for solo or a small group of physicians.
Replies: 3
Views: 500

Re: Best account type for solo or a small group of physicians.

I own a small medical group and we ended up doing a 401K with Employee Fiduciary and are happy with it. We may explore down the line a Cash Balance Plan as we get bigger but for now the 401k everyone seems to be happy with.
by nervouscorps
Thu Jul 13, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of Oil/Gas Royalty
Replies: 21
Views: 1648

Re: Sale of Oil/Gas Royalty

My family dealt with this recently for some wells my grandfather bought in West Texas in the 50s-- we ended up having to counsel an attorney that specializes in this sort of thing because it ended up being incredibly complex from just about every direction you can imagine it. We were going to sell, ...
by nervouscorps
Sat Jul 08, 2017 5:27 pm
Forum: Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 62
Views: 20134

Re: Fidelity, Vanguard or Schwab? I need to choose.

VG has better funds for the most part, but worse customer service. I am with Fidelity and am happy there.
by nervouscorps
Wed Jun 21, 2017 7:01 pm
Forum: Personal Investments
Topic: solo 401k, SEP IRA or roth 401k?
Replies: 7
Views: 1637

Re: solo 401k, SEP IRA or roth 401k?

I was just dealing with this very issue for my wife who is a private practice therapist. Our financial advisor explained that if we anticipate her earning more over the years (we do) and our taxable income to increase towards retirement (we do) a Roth 401k makes sense.
by nervouscorps
Wed Jun 21, 2017 6:58 pm
Forum: Personal Investments
Topic: Small Business Owner with Simple IRA. Debating Switch to 401k
Replies: 13
Views: 1917

Re: Small Business Owner with Simple IRA. Debating Switch to 401k

I just switched from a SEP-IRA to a 401k and have to say its much easier and the employees like it more (and understand the benefit they are getting, whereas I think with IRAs they don't). My business is the same size 14 employees and I match at 3%.
by nervouscorps
Fri Jun 02, 2017 1:26 pm
Forum: Personal Investments
Topic: Help me decide how my Fidelity 2% Cashback rewards should be invested plz.
Replies: 20
Views: 2619

Re: Help me decide how my Fidelity 2% Cashback rewards should be invested plz.

I have used the $ from this card to buy Munis in my taxable account up until now, but will probably purchase a index fund and there and start adding to it.
by nervouscorps
Mon May 15, 2017 2:27 pm
Forum: Personal Investments
Topic: 401(k) Plan Advisor Recommendation
Replies: 6
Views: 946

Re: 401(k) Plan Advisor Recommendation

I just finished setting up my company's 401(k) with Employee Fiduciary and I can tell you they've been great and very efficient so far.
by nervouscorps
Sun May 14, 2017 6:34 pm
Forum: Personal Investments
Topic: Newly Disabled and Need Good Advice
Replies: 16
Views: 2598

Re: Newly Disabled and Need Good Advice

I'm disabled and have been through the SSDI process. My advice is get a lawyer who exclusively does disability law or SSDI claims. I went through the process at the same time as my aunt who got denied at the administrative law judge level and I believe it was because her lawyer was one that did "a l...
by nervouscorps
Sun Jan 05, 2014 8:08 pm
Forum: Personal Investments
Topic: Allocation question
Replies: 1
Views: 290

Allocation question

Hi All, I am a bit of a newbie. I had a question for you all. I am a small business owner and me and my wife each have a rollover IRA (rolled over 401Ks from prior employers) containing 50K each. I also have a brokerage account without much in it. I am considering either placing more tax appropriate...