Search found 841 matches

by TIAX
Sat Nov 18, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Non-compete clause for employment
Replies: 3
Views: 426

Re: Non-compete clause for employment

Since there's a risk of losing your offer with A, stick with A.
by TIAX
Fri Nov 17, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 66
Views: 3669

Re: My dad's army jacket

mxs wrote:
Fri Nov 17, 2017 9:25 am
You may be doing something illegal if you were to wear the uniform in public. I am not an expert on this, but it doesn't feel right to me. I would not do it.
This isn't illegal. It's your jacket, wear it if you like.
by TIAX
Thu Nov 16, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 458
Views: 38340

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Information regarding the new proprietary SSGA index that SPTM is now following is available here . According to section 5.7, (IPOs): IPOs launched between the most recent rebalance and next rebalance dates will be evaluated according to the following rules: Fast Track IPOs: if the company level tot...
by TIAX
Mon Nov 13, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options (high fees!)
Replies: 26
Views: 1209

Re: Wife's 401k investment options (high fees!)

Consider explaining to the employer that having high fees may expose it to breach of fiduciary duty lawsuits.
by TIAX
Sat Nov 11, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 7975

Re: $23k credit card emergency

I thought most of the 0% transfers came with a transaction fee of several percent of the balance transferred. Also be aware of how any payments get allocated if you are also charging new stuff to the card. I think after paying the minimum balance due any extra payment goes to the 0% balance so you ...
by TIAX
Sat Nov 11, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 7975

Re: $23k credit card emergency

Get a 2nd part time job. Getting part time jobs (unless they're high paying and/or relevant to your field) is generally not an efficient way to increase your income. It might be helpful if you tell us what you do, your level of education, your job and salary history, and what your career goals are....
by TIAX
Sat Oct 28, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18504

Re: Early-retired 35 year old with $1 million

I’ll definitely need more If I marry my girlfriend (who has a low net worth) and we decide to have kids. Only if you're planning on supporting them without the help of your girlfriend/wife. If she plans to work and your spending is low (which it sounds like it is), you shouldn't need to un-retire.
by TIAX
Sun Oct 22, 2017 12:08 pm
Forum: Investing - Theory, News & General
Topic: Charles schwab - why so much cheaper?
Replies: 53
Views: 7647

Re: Charles schwab - why so much cheaper?

Less likely at captive Schwab ETFs but TDAmeritrade is cutting Vanguard ETFs from their no transaction fee listing. I have a TDA account with only VTI in it and since it's in taxable, have decided that I'm going to just leave it there, withdraw all dividends and not add a dime. I'll divert taxable ...
by TIAX
Sun Oct 22, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: New for Vanguard!
Replies: 28
Views: 3855

Re: New for Vanguard!

So this morning I saw 2 new funds for vanguard Vanguard Global Wellington™ Fund and Vanguard Global Wellesley® Income Fund seems like the perfect asset allocation at only $20.00 a share. What do you guys think? Would you buy or not? The only thing is that I am not familiar with mutual funds and I g...
by TIAX
Wed Oct 18, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 458
Views: 38340

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Second, I don't contribute anymore to my TDAmeritrade HSA nor to my TDAmeritrade Roth IRA. I can set the investments to automatic dividend reinvestment and not have to think about them for a couple of decades. And the way commission fees have been decreasing, we're likely to get to $0 commissions b...
by TIAX
Wed Oct 18, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 26
Views: 2644

Re: TD Ameritrade fund replacement

Those should all be fine. The smallest of those, SPEM, now has $1.1B in assets, double what it had last week as GMM. I believe AUM and liquidity will improve dramatically on all the new SPDR Portfolio funds. Are the assets going up so quickly just from inclusion in the TD Ameritrade commission-free...
by TIAX
Tue Oct 17, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up 401k at work
Replies: 3
Views: 363

Re: Setting up 401k at work

by TIAX
Tue Oct 17, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: HSA taxation in Calif
Replies: 21
Views: 1738

Re: HSA taxation in Calif

hoops777 wrote:
Tue Oct 17, 2017 9:46 am
A little confused on this issue.So if I have 30,000 in an HSA and withdraw 5000 to pay medical expenses in 2018,is the entire 5000 taxable for state tax or just any gains?
Just the gains.
by TIAX
Tue Oct 17, 2017 9:38 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 458
Views: 38340

Re: Fellow TDA bogleheads

I only recently opened an account at HSA Bank with TDA and was purchasing exclusively VTI which has an expense ratio of 0.04%. Seems like SPTM has an expense ratio of 0.4%. Does that make a huge difference long term? It's 0.03% ER - http://www.businesswire.com/news/home/20171016005642/en/State-Stre...
by TIAX
Tue Oct 17, 2017 9:08 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 458
Views: 38340

Re: Fellow TDA bogleheads

On the bright side, "We'll be removing our short-term trading fee of $19.99. This change will go into effect on November 21, 2017. "
by TIAX
Tue Oct 17, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 458
Views: 38340

Re: Fellow TDA bogleheads

What are the best new options to replace VTI, VEA and BND?
by TIAX
Tue Oct 17, 2017 8:41 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 458
Views: 38340

Re: Fellow TDA bogleheads

It looks like SSgA just launched these ETFs. Everyone should send an online message to TDA (Client Services | Contact Us) to express their views.
by TIAX
Mon Oct 09, 2017 11:07 pm
Forum: Investing - Theory, News & General
Topic: Has Vanguard hired Computershare to administer proxy voting?
Replies: 7
Views: 1093

Re: Has Vanguard hired Computershare to administer proxy voting?

Read the proxy statement, vote online, and stop complaining about nothing.
by TIAX
Sun Oct 08, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: HSA vs. PPO vs. EPO
Replies: 8
Views: 396

Re: HSA vs. PPO vs. EPO

1) It is not clear from your post whether the HDRP has out-of-network benefit. Please confirm. 2) Those coverage costs are per year? per paycheck? 3) Is your coverage cost going to be you + spouse + child? KlangFool Right, what do you mean by you, spouse and child, Plans are generally, individual, ...
by TIAX
Sat Oct 07, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 10244

Re: Third time in my 32 year career I have been laid off

FelixTheCat wrote:
Fri Oct 06, 2017 9:09 pm
Age: 55
Income: 0. Was making 125,000 earlier today. Software Developer career.
Were older (over 40 years old) employees laid off disproportionately? If so, consider meeting with an attorney who specializes in age discrimination claims.
by TIAX
Sat Oct 07, 2017 5:13 am
Forum: Investing - Help with Personal Investments
Topic: Should I keep my Stocks?
Replies: 42
Views: 3811

Re: Should I keep my Stocks?

Please list the stocks and the unrealized gains for each.
by TIAX
Sun Oct 01, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: High yield muni
Replies: 30
Views: 2307

Re: High yield muni

Since nobody said anything, VWAHX currently shows 16.6% AMT exposure, and it looks to be the only Vanguard muni fund with that exposure. FYI. If you're a muni investor, that implies a high tax rate, and therefore you typically do not want AMT exposure. I'm sure there's a sweet spot for this fund wh...
by TIAX
Sat Sep 30, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2801

Re: Caught by speed camera

Unless they have a picture of the front of your car, unambiguously showing your face, they really have not met any standard of proof. Of course if you have admitted it was you, they meet that standard. You have a presumption of innocence, and I would have not admitted anything and contested it. Ple...
by TIAX
Sat Sep 30, 2017 5:48 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7705

Re: What will happen if I refuse to pay a medical bill?

And if they eventually turn this over to a collection agency, what will actually happen? You'll get a letter and a call, then you'll send a letter back requesting that the collection agency no longer contact you (no need to get into details). After that, they can't contact you. The debt may be repo...
by TIAX
Thu Sep 28, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Tax Preparer wanted
Replies: 5
Views: 643

Re: Tax Preparer wanted

Are your returns so complex that you can't do it on your own?
by TIAX
Wed Sep 27, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 139
Views: 13160

Re: New HSA provider Lively offers investments for $30/yr fee

Just signed up. Will let folks know how it goes once I transfer and link with my employer. Happy to support a start up that is focused on using your HSA as an investment. In interviews with the guys they clearly understand this aspect. Don't really see the downside of switching, unless they go unde...
by TIAX
Wed Sep 27, 2017 7:47 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 139
Views: 13160

Re: New HSA provider Lively offers investments for $30/yr fee

What is interest rate in Lively HSA account? Never mentioned on website. Sick of HSA Bank too many fees. I am not impressed with their interest rates. It is listed in the fineprint on the following page https://livelyme.com/individuals-and-families/ Tier 1: 0.05% (APY of 0.05%) for daily balances l...
by TIAX
Wed Sep 27, 2017 6:42 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 139
Views: 13160

Re: New HSA provider Lively offers investments for $30/yr fee

Lively, a startup, offers HSA accounts with "first dollar" investing for $2.50/month ($30/year). Investments are held at TD Ameritrade. https://livelyme.com/individual-and-family-features/invest/ I certainly hope to see more competition to drive down the junk fees charged in the current HSA provide...
by TIAX
Tue Sep 26, 2017 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Which 401k plan is better? This is for a small dental office
Replies: 34
Views: 2695

Re: Which 401k plan is better? This is for a small dental office

I have the American Dental Association endorsed AXA Equitable plan. I believe they charge 25 per person to set up the plan, 3 dollars a quarter per participant and then assets under management fees. I use their S & P 500 plan which has (I believe) a .87 percent expense ratio. . This is a horrible p...
by TIAX
Mon Sep 25, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 4134

Re: Vanguard Health Care Fund in my portfolio?

I've been thinking around 5-10% myself as well. 20% is more than I feel comfortable with, but I do feel like healthcare is something that will always be in high demand and continues to evolve. And why wouldn't that be true of other sector funds? For example, won't energy always be in high demand an...
by TIAX
Sun Sep 24, 2017 4:53 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 4134

Re: Vanguard Health Care Fund in my portfolio?

I've been thinking around 5-10% myself as well. 20% is more than I feel comfortable with, but I do feel like healthcare is something that will always be in high demand and continues to evolve. And why wouldn't that be true of other sector funds? For example, won't energy always be in high demand an...
by TIAX
Fri Sep 22, 2017 3:05 am
Forum: Personal Consumer Issues
Topic: Foreign Currency Conversion Accepted, then Rejected
Replies: 14
Views: 922

Re: Foreign Currency Conversion Accepted, then Rejected

Note that there is likely a fixed conversion fee, like $5 for each transaction, so you would want to minimize transactions by withdrawing the most you can each time--unless you are leaving the foreign country soon. Many banks do charge a foreign transaction fee (or do not reimburse international AT...
by TIAX
Mon Sep 18, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Lawyer overbilling for prenup review
Replies: 66
Views: 5681

Re: Lawyer overbilling for prenup review

Paste us your time limit instructions and the attorney's estimate in email or the engagement letter. In hindsight I wish my written language in my email to negotiate further services from him after the initial consult was very exact about a ceiling on hours, but here is what I wrote: "Please let me...
by TIAX
Sat Sep 16, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Lawyer overbilling for prenup review
Replies: 66
Views: 5681

Re: Lawyer overbilling for prenup review

Paste us your time limit instructions and the attorney's estimate in email or the engagement letter.
by TIAX
Fri Sep 15, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 4134

Re: Vanguard Health Care Fund in my portfolio?

Slothmeister wrote:
Wed Sep 13, 2017 5:33 pm
I'm thinking the market is overvalued and a correction is imminent.
If a correction is imminent, why not go 100% bonds?
by TIAX
Wed Sep 13, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Pimco PONDX increasing fee in 3 weeks - stay in?
Replies: 10
Views: 1076

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

It didn't make sense at .79 and it certainly doesn't make sense at .90. Depending on the capital gains, I would sell (and leave your advisor if you're with an advisor).
by TIAX
Tue Sep 12, 2017 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate between 401k with expensive fees + Vangaurd
Replies: 32
Views: 1904

Re: How to allocate between 401k with expensive fees + Vangaurd

Your 500 and international funds in the 401(k) are excellent. Use those and then buy the Vanguard Extended Market Index Fund in your Roth IRA and/or taxable account to approximate the total stock market.
by TIAX
Sun Sep 10, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Any small business owners use Vanguard for your business 401k?
Replies: 3
Views: 446

Re: Any small business owners use Vanguard for your business 401k?

A lower cost TPA favored by many Boglehead small business owners is Employee Fiducuary You can get an all Vanguard fund plan. $500 start up fee for a new plan or $1,000 for conversion of an existing plan. $1,500 annual administrative fee for 1-30 employees, $75/employee for 30+ 0.08% AUM fee/year A...
by TIAX
Sun Sep 10, 2017 12:43 am
Forum: Investing - Help with Personal Investments
Topic: First Post - Need Help with Fund allocations
Replies: 6
Views: 630

Re: First Post - Need Help with Fund allocations

retirementRun2028 wrote:
Sat Sep 09, 2017 7:35 pm
Yearly Saving:
. . .
3. 529: 18K
That seems very high. How much do you have in the 529s and what's your goal?
by TIAX
Fri Sep 08, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 3405

Re: New Mobile Phone number - Now hounded by Collection Agencies

livesoft wrote:
Fri Sep 08, 2017 6:14 pm
Isn't there some way to collect money from collection agencies who call you insistently?
Exactly right. Find an attorney specializing in FDCPA suits and they'll represent you on contingency. When each call costs them $1000, calls stop pretty fast.
by TIAX
Wed Sep 06, 2017 12:15 am
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 6738

Re: When to give resignation notice

jinx wrote:
Wed Aug 30, 2017 6:36 pm
- Although not mentioned in my contract, the employee handbook notes 3 month resignation notice is required.
The employee handbook is not a contract and it doesn't sound like there will be any consequences if you give less notice.
by TIAX
Tue Sep 05, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: 401k options for a brand new investor
Replies: 8
Views: 314

Re: 401k options for a brand new investor

I would just use the total market index. The bond and international funds are too expensive so I would get those somewhere else (like IRA).
by TIAX
Tue Sep 05, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: new 401k options
Replies: 7
Views: 540

Re: new 401k options

I would use either the small cap (if the non-401(k) portion of your portfolio is large enough) or otherwise, the balanced index.
by TIAX
Mon Sep 04, 2017 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: small claim for 401k
Replies: 15
Views: 1433

Re: small claim for 401k

Goro wrote:
Mon Sep 04, 2017 10:36 pm
We found we can request assistance from employee benefit security administration, DOL. We will try it before small court.
FYI, the EBSA is generally not helpful.
by TIAX
Mon Sep 04, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: small claim for 401k
Replies: 15
Views: 1433

Re: small claim for 401k

Hi Nate, Yes, he has it. SPD on online does not mention exact match %, but the company issued another form of summary description which has exact match %. I read SPD and summary description one more time and confirmed he is qualified for benefit. We would like to talk with this company HR. But, the...
by TIAX
Sat Sep 02, 2017 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Company 401k is incorrectly dealing with over 50 catch up contribution
Replies: 35
Views: 2986

Re: Company 401k is incorrectly dealing with over 50 catch up contribution

My request for the Plan Document... I'm curious about the specific relevant language in the plan document. Did you find it after talking to the VP? You know, I've never read a plan document (only the summary). I assume that it is must be provided upon request to all 401k participants? I had request...
by TIAX
Sat Sep 02, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Company 401k is incorrectly dealing with over 50 catch up contribution
Replies: 35
Views: 2986

Re: Company 401k is incorrectly dealing with over 50 catch up contribution

SUCCESS!!! Never give up! My request for the Plan Document resulted in a call from a Benefits VP at the company to ask if she could e-mail it to me and if I had any other concerns. I explained I did, as well as the run-around I had been getting from Hewitt. She promised to have a talk with them abo...
by TIAX
Sat Sep 02, 2017 9:58 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE Sunday 10 AM Eastern (14:00 UTC) - software upgrade
Replies: 13
Views: 1518

Re: SITE OFFLINE Sunday 10 AM Eastern (14:00 UTC) - software upgrade

Perhaps it would be better if updates were performed at night, as is common.
by TIAX
Wed Aug 30, 2017 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating new job offer
Replies: 40
Views: 3192

Re: Evaluating new job offer

Still need more info. How close are you to achieving your financial goals? Pretty close, max out retirement, college, etc. save a lot. How close are you to FI and other goals? What does pretty close mean, 90% of the way? I'd say we are at 100% of our goals - we max out all tax advantaged retirement...
by TIAX
Tue Aug 29, 2017 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a Roth IRA for a 9 year old
Replies: 20
Views: 2521

Re: Starting a Roth IRA for a 9 year old

So are you saying you could get into IRS trouble for violating Vanguards adoption agreement? While i agree you shouldn't do this how would the IRS know you are in violation of vanguards agreement? You are not violating Vanguard's adoption agreement, you are violating IRS regulations. Since Vanguard...