Search found 851 matches

by TIAX
Thu Dec 14, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 90
Views: 4575

Re: How much did you contribute to your 401k in 2017?

My wife, also 47, has not had a 401(k) this year. She's been working in a contract position. We're hoping she'll be hired and be eligible after the new year, in which, we would try to max out hers as well. Why don't you set up a solo 401(k) . As long as you set up the plan in 2017 (a relatively sim...
by TIAX
Tue Dec 12, 2017 12:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 47
Views: 5300

Re: Vanguard year end distributions - updated estimates

Why do the institutional total stock market funds have 100% QDI whereas the rest (admiral, investor, etc.) have 94%? Don't they follow the same index? They follow the same index, but they are not share classes of the same fund; each fund computes its own QDI. Dividends can become non-qualified if t...
by TIAX
Sat Dec 09, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 42
Views: 4369

Re: TD Ameritrade fund replacement

airelleofmusic wrote:
Fri Dec 08, 2017 1:21 pm
Yep Exactly this is what I did (to be more precise it's 80% SPDW/20% SPEM)
Does this percentage get us the closest to VXUS?
by TIAX
Sat Dec 09, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 47
Views: 5300

Re: Vanguard year end distributions - updated estimates

Why do the institutional total stock market funds have 100% QDI whereas the rest (admiral, investor, etc.) have 94%? Don't they follow the same index?
by TIAX
Tue Dec 05, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Former employer preventing rollover?
Replies: 10
Views: 1037

Re: Former employer preventing rollover?

You could also file a complaint with the EBSA (though they are quite slow, it can't hurt).
by TIAX
Tue Nov 28, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: I'm worried the Vangaurd Target Retirement 2035 (VTTHX) might be too conservative
Replies: 27
Views: 1801

Re: I'm worried the Vangaurd Target Retirement 2035 (VTTHX) might be too conservative

njfastlife wrote:
Mon Nov 27, 2017 9:47 pm
31 years of age.

i know rule of thumb is typically age in bonds, but i think this fund might be slightly too conservative.

any thoughts or advice?

thanks!
Would you be thinking the same thing if we were in the middle of a market downturn? What did you do in 2008?
by TIAX
Tue Nov 28, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Need Employment Lawyer asap - NY/NJ/PA
Replies: 6
Views: 709

Re: Need Employment Lawyer asap - NY/NJ/PA

msj16 wrote:
Tue Nov 28, 2017 10:40 am
He lives in NJ.
Is the employer in NJ also? Does he work from NJ?
by TIAX
Tue Nov 28, 2017 1:43 am
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 32
Views: 3674

Re: Dental bill four years after service

In the medical (or dental) world, there is no statute of limitations (from what I've read in these forums) Incorrect, every state has a statute of limitations. The relevant one is likely for breach of contract. Check the statute and consider whether this will get to court by then. Don't make any pa...
by TIAX
Fri Nov 24, 2017 7:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Screwed Up My Cost Basis - FIFO Instead of Spec ID
Replies: 12
Views: 1479

Re: Vanguard Screwed Up My Cost Basis - FIFO Instead of Spec ID

Unfortunately, Vanguard is terrible with cost basis. See this post.
by TIAX
Wed Nov 22, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45020

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

So what's the deal with (variously) the extension to Jan. 19, the elimination of the short-term trading fee, and the $4.95 commission schedule? Is there any definitive answer on whether retail taxable accounts get these or not? The deal is that TDA does not communicate effectively. For my retail ta...
by TIAX
Sat Nov 18, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Non-compete clause for employment
Replies: 3
Views: 547

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: 70
Views: 5137

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: 484
Views: 45020

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: 1353

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: 8361

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: 8361

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: 18885

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: 7948

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: 3997

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: 484
Views: 45020

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: 42
Views: 4369

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: 373

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: 1835

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: 484
Views: 45020

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: 484
Views: 45020

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: 484
Views: 45020

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: 484
Views: 45020

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: 1138

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: 457

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: 10564

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: 3992

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: 2458

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: 2991

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: 7968

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: 671

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: 147
Views: 15880

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: 147
Views: 15880

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: 147
Views: 15880

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: 2856

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: 4276

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: 4276

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: 942

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: 5771

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: 5771

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: 4276

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: 1185

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: 48
Views: 2912

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: 471

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: 651

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: 3499

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.