Search found 278 matches

by jcompton
Fri Dec 23, 2016 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 7323

Re: Reliable washer/dryer brands

However, several repair guys I have spoken with all adamantly recommending against them, saying that they repair more LG/Samsung compared to others. This seems a bit like the old "The Toyota Camry is the most frequently stolen car in the US!" scare. They get stolen because there are a ton of them. ...
by jcompton
Thu Feb 13, 2014 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 73
Views: 8940

Re: Billing for annual physicals

Here are the services that healthcare.gov says are part of the PPACA zero-copay preventative services requirements: link
by jcompton
Tue Feb 11, 2014 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k -Vanguard's reason for not accepting IRA rollovers
Replies: 22
Views: 2974

Re: Solo 401k -Vanguard's reason for not accepting IRA rollo

Right, yes. They deliberately set it up with a corner-cutting, frustrating limitation, and it would involve not-cutting-corners to change course and provide the convenience.

E-Trade does seem to be one of the few which offers both Roth and incoming rollovers.
by jcompton
Mon Feb 10, 2014 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k -Vanguard's reason for not accepting IRA rollovers
Replies: 22
Views: 2974

Re: Solo 401k -Vanguard's reason for not accepting IRA rollo

It has always been my strong impression, based on the haphazard and disinterested way the program is constructed, that Vanguard offers Individual 401ks solely because they feel they have to, and not because they want to, and are in fact quite satisfied to let people take their I401k business elsewhe...
by jcompton
Sun Feb 09, 2014 8:05 pm
Forum: Personal Consumer Issues
Topic: Umm....anyone else notice aggressive new online ads?
Replies: 14
Views: 1474

Re: Umm....anyone else notice aggressive new online ads?

Another vote for malware. Although retargeting is a real thing, that would only happen in places where advertisements are expected. If one is getting pop-ups, headers, and columns on sites which normally don't have them, that's typically due to malware and that machine should be quarantined and clea...
by jcompton
Wed Jan 22, 2014 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund - no brainer?
Replies: 27
Views: 5116

Re: Donor Advised Fund - no brainer?

Zero problems on that front, they invest the way I ask them to invest and they donate the way I ask them to donate.
by jcompton
Tue Jan 21, 2014 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund - no brainer?
Replies: 27
Views: 5116

Re: Donor Advised Fund - no brainer?

It all depends on who you want to be at risk. For what it's worth, when I was setting up the account, AEF recommended/encouraged/nudged me to use an aggressive allocation. I was already going to do that, but they said it was their preference as well. Maybe that's their peculiar orientation, maybe i...
by jcompton
Tue Jan 21, 2014 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund - no brainer?
Replies: 27
Views: 5116

Re: Donor Advised Fund - no brainer?

Is creating a donor advised fund pretty much a no-brainer for anyone with highly appreciated holdings in a taxable account who also contributes to charity? I don't know about "no-brainer" but it looks like from the ensuing discussion that you're pretty convinced. I went with AEF instead of one of t...
by jcompton
Tue Jan 14, 2014 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Question on ACA deductibles
Replies: 8
Views: 934

Re: Question on ACA deductibles

All ACA-compliant plans (if not all health insurance plans, in general) are now required to issue a standardized Summary of Benefits and Coverage which addresses this question. Here's an example of a bare-bones Bronze plan which doesn't pay for anything except mandatory zero-copay items like a basic...
by jcompton
Wed Dec 18, 2013 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare and Cancellation of Non Conforming Insurance
Replies: 20
Views: 2103

Re: Obamacare and Cancellation of Non Conforming Insurance

It is now very easy to see which insurance company is issuing which plan on healthcare.gov. Each plan has a subhead line naming the insurer, and on the left column of the screen, all valid issuers in your rating area are shown. You can click to show just the plans of one issuer. The layout of the si...
by jcompton
Sat Dec 14, 2013 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to Give Vanguard Funds to Charity?
Replies: 25
Views: 2243

Re: How to Give Vanguard Funds to Charity?

One of the options is "Redeem the shares in the account. Send a check to our address." This is what most charities are likely to want; even if a charity does hold investments, it may not want to hold them in a Vanguard account, so it would prefer to have the cash to invest as it chooses. The accoun...
by jcompton
Tue Jul 24, 2012 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: What other financial sites/blogs do you read?
Replies: 19
Views: 4183

Re: What other financial sites/blogs do you read?

Seconded. Also The Big Picture, even though I wouldn't invest with the guy I enjoy reading his analysis, and he has the best comment section guidelines I've seen anywhere, ever.
by jcompton
Tue Jul 24, 2012 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Fee Questions
Replies: 11
Views: 1460

Re: 401K Fee Questions

Last year when I opened a Vanguard Solo 401k, despite it saying that there would be a $20 fee per fund added to plan, the guy on the phone said that the $20 fee is not charged if the fund has over $10K in it by June this year. I was a bit dubious, because the documentation was pretty clear that the...
by jcompton
Fri Jul 20, 2012 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Sending dividends and CG to Money Market
Replies: 11
Views: 1202

Re: Sending dividends and CG to Money Market

A couple of different ways to deal with this leap to mind: 1. Call Vanguard and ask them nicely if they'll open a zero-balance money market account for you inside the IRA so it can receive the distributions. Your mileage may vary on this front--I've had Vanguard reps tell me that they can't help me ...
by jcompton
Sat Feb 05, 2011 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship Level with Vanguard
Replies: 26
Views: 11815

letsgobobby wrote:is there a lot of benefit in any of the levels?
They answer the phone faster, and you get more free non-Vanguard trades as you go up the list. Those are the biggies.
by jcompton
Mon Jan 17, 2011 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Calling Australian mobile phones
Replies: 6
Views: 1055

Thanks all. The google voice worked well. 0.14/minute to her cell phone. Did have to place $10 on deposit with google. Nine times out of 10, the easiest low-cost answer to "What's a non-rapacious way to place (international call)?" is Google Voice. It works well, it's cheap, and it doesn't require ...
by jcompton
Mon Jan 17, 2011 12:37 pm
Forum: Personal Consumer Issues
Topic: Shaving Cream
Replies: 69
Views: 11340

Can I add in a swerve question of, "What's your favorite shaving cream/gel available in a TSA-approvable travel size which doesn't cost more than platinum per ounce?" I have a travel canister of Barbasol in my travel bag and it's probably worse than nothing at all. I'd like to replace it with someth...
by jcompton
Fri Jan 14, 2011 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple solo 401k plans?
Replies: 4
Views: 2842

You can avoid the dual plan problem and achieve what you want by transferring the Vanguard 401(k) to Fidelity and doing the rollover into that. Right, that's what Ms. Fidelity suggested that I do. I'm not questioning how to do that but rather whether I have to do that. If you want to go full circle...
by jcompton
Fri Jan 14, 2011 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple solo 401k plans?
Replies: 4
Views: 2842

Multiple solo 401k plans?

Situation: * I have a solo 401k at Vanguard. * I have large SEP assets at Vanguard and Fidelity. * I have a small TIRA with basis (nondeductible contributions) at Vanguard. * I am interested in performing the "SEP-isolation-maneuver" popularized by tfb and others so that I may then do a Roth convers...
by jcompton
Fri Jan 14, 2011 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Flagship Status
Replies: 10
Views: 4574

This seems like as good a thread to bump as any. Often when this kind of question gets asked, a few people stroll along and say "there is no difference." I had questions for Vanguard and Schwab this morning about Individual 401ks. At Vanguard, where I have status, the phone was picked up immediately...
by jcompton
Fri Dec 31, 2010 6:05 pm
Forum: Personal Consumer Issues
Topic: dump landline?
Replies: 27
Views: 3384

We changed our landline to metered 50 cents per call instead of unlimited calling. All incoming calls are free as are 911 and outgoing toll-free numbers. This is a good option if you can get it, but telcos are not required to offer this type of "lifeline" service. It's worth looking into. In the ol...
by jcompton
Tue Dec 28, 2010 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Should child be given college fund if college is free?
Replies: 68
Views: 8083

The money you saved for education is YOUR money not the childs. I'm not surprised that this has been the majority opinion here, but I am a little surprised at how overwhelming the majority has been. Tax code considerations aside, would anybody in this apparently large crowd like to explain why they...
by jcompton
Tue Dec 28, 2010 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Where to open a small (less than $500) Roth IRA?
Replies: 25
Views: 3649

Since a brokerage account is a fact of adult life, I think it is better to get one going early even with small amounts of money. Based on the limited exposure I've had to them, bank-based IRAs seem very inflexible and needlessly difficult to deal with. I agree that they may be confused at first, bu...
by jcompton
Thu Dec 23, 2010 10:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard reduces costs, eliminates Signal Share minimums
Replies: 32
Views: 7391

Re: Admiral shares

Frankly, I don't understand Vanguard's business rationale for the continued threshold disparity. Padding fee revenue by keeping more people in Investor Class, obviously. Just like putting Investor Class in all their funds-of-funds (which are holding many many millions of dollars), and putting Vangu...
by jcompton
Thu Dec 23, 2010 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendation for Donor Advised Fund
Replies: 12
Views: 1897

Re: Recommendation for Donor Advised Fund

I am very familiar with both Vanguard and Fidelity. My wife and I use Fidelity and we are very happy with Fidelity. We picked Fidelity over Vanguard because of the amount limitations at the time were better with Fidelity than Vanguard. I am quite sure Fidelity would work for her, but want to consid...
by jcompton
Sat Dec 18, 2010 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should child be given college fund if college is free?
Replies: 68
Views: 8083

Re: Should child be given college fund if college is free?

so that will save us at least $60,000 that we anticipated paying. It comes down to the question: is the word "college" in "college fund" a placeholder, or are you looking at it literally? Like a new business, young adulthood is full of developmental and startup costs. For many people, pursuing a co...
by jcompton
Fri Dec 17, 2010 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing between Fidelity 403(b) or Schwab 457
Replies: 8
Views: 2275

Edit: According to the website Schwab "...offers participants the opportunity to invest in thousands of additional individual stocks, mutual funds, exchange traded funds (ETFs), bonds, CDs and other investment opportunities through Schwab Personal Choice Retirement Account..." Yeah, I know it says ...
by jcompton
Fri Dec 17, 2010 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing between Fidelity 403(b) or Schwab 457
Replies: 8
Views: 2275

Re: Choosing between Fidelity 403(b) or Schwab 457

Schwab Personal Choice Retirement Account (457) It will help make this decision if you find out exactly what you can and cannot buy in the PCRA. Some PCRA accounts enable ETF and individual securities trading, others limit you just to the Schwab mutual fund superstore lineup. Schwab's NTF selection...
by jcompton
Thu Dec 16, 2010 4:12 pm
Forum: Investing - Theory, News & General
Topic: What is the reasoning behind the diff limits of 401k and IRA
Replies: 16
Views: 1794

It's an interesting example of how historical accident becomes protected tradition.
by jcompton
Wed Dec 15, 2010 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Great Grandpa in Nursing home - Is this common?
Replies: 42
Views: 5834

Before you start making appointments with attorneys and state guardianship stewards, please remember this axiom: Most people believe that they are doing the best they can most of the time. People make mistakes, have the wrong idea, guess incorrectly, act out of fear instead of good sense, etc. etc. ...
by jcompton
Wed Dec 15, 2010 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Great Grandpa in Nursing home - Is this common?
Replies: 42
Views: 5834

>I don't see how paying $1,000 a month to his children has anything to do with this nor is it odd. Many people like to give their money to their children or even to charity. Yes, that is odd. He's not giving away his money, his son with the POA is giving it away. Well, now that he's in the nursing ...
by jcompton
Wed Dec 15, 2010 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Great Grandpa in Nursing home - Is this common?
Replies: 42
Views: 5834

I'm with livesoft--what, exactly, do you think is the problem here? You've described a burn of $84,000/yr from a pot of $1M. If there's a bet going on whether a 90 year old Alzheimer patient will outlive that run rate, I will put my dough on the negative proposition.
by jcompton
Wed Dec 15, 2010 4:29 pm
Forum: Personal Consumer Issues
Topic: Question re Sceptre 27" computer monitor
Replies: 4
Views: 789

Re: Question re Sceptre 27" computer monitor

No experience with that particular model, but I've used a Sceptre LCD TV for the past 2+ years. It's a solid performer (and continues to have zero dead pixels) It has a bit of HDMI flakiness at times when trying to talk to a Toshiba DVD player, but then, my considerably fancier Sharp LCD TV has HDMI...
by jcompton
Sun Dec 12, 2010 9:34 pm
Forum: Personal Consumer Issues
Topic: How many Bogleheads pay for texting on their cell phone?
Replies: 91
Views: 9607

Have you found any negatives to this service? I scanned the info on Google website. It looks like I would have to choose a new phone number and give this number to everybody. I think this would be very confusing for my work phone and not sure if my company would allow it. Maybe I just need to read ...
by jcompton
Sun Dec 12, 2010 1:01 am
Forum: Personal Consumer Issues
Topic: Hello Chicago !!!! [restaurant recommendations]
Replies: 44
Views: 4717

Italian beef is a herb flavor beef that reminds me of a beef version of the east coast roast pork. A good chain to try this would be Portillos or Buona Beef or Superdog. Really, any hole in the wall flying the Vienna Beef logo is a fine place to try an Italian beef in Chicago. (Recommendation: get ...
by jcompton
Mon Nov 29, 2010 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: $4 prescription drugs - How do they do it??
Replies: 35
Views: 4659

(1) Many insurance plans have copays near this low level cost. But you're right, not $4, that I've heard of. Tangentially related: Before committing to use your pharmacy insurance benefit on a purchase, ask what the cash price is. Costco does (or did) this automatically, as I found out to my surpri...
by jcompton
Mon Nov 29, 2010 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you're worth?
Replies: 45
Views: 6377

I am currently settling the estate of a family member who had been hiding money from his wife (and vice versa) for six decades.

So although I don't know what the right answer/advice for this situation is, I can pretty authoritatively say: don't do that.
by jcompton
Sun Nov 21, 2010 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Admiral fees when in a Company's 401K plan
Replies: 15
Views: 2042

Re: Vanguard's Admiral fees when in a Company's 401K plan

Anyone else fall into the same boat? Is there anything I can do ? Individually, there's nothing you can do directly, but you can advocate with your company's HR department and 401k plan administration liaison to see if they can negotiate for access to Admiral or Institutional share classes, across ...
by jcompton
Sat Nov 20, 2010 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Small estate affidavit and brokerage account
Replies: 3
Views: 951

The main challenge I see is claiming the shares where no certificate can be found. I know mutual fund companies have a type of 'lost certificate affidavit' for lost mutual fund shares but I don't know if transfer agents have a similar process for stock shares. Computershare has a process for reissu...
by jcompton
Fri Nov 19, 2010 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Small estate affidavit and brokerage account
Replies: 3
Views: 951

Small estate affidavit and brokerage account

I am helping deal with the estate of a recently deceased relative whose major asset is a brokerage account with Computershare that he held in individual ownership. The total estate value is small enough that the Small Estate Affidavit rules apply to his situation. However, the situation is a little ...
by jcompton
Tue Nov 16, 2010 11:28 am
Forum: Personal Consumer Issues
Topic: Anyone with experience using Virgin Mobile as a carrier?
Replies: 3
Views: 844

Re: Anyone with experience using Virgin Mobile as a carrier?

but it certainly can make sense for the more data/text-heavy user who uses the talk-time pretty minimally. anyone with any bad experiences? i am considering switching when my AT&T contract expires soon. I use a VM phone (the aforementioned Jax) as the replacement for my home landline on the now-ret...
by jcompton
Sun Nov 14, 2010 3:38 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri and microcaps (BRSIX)
Replies: 45
Views: 8316

Jcompton: you might want to clean up this entry to improve it's accuracy. There's nothing for me to clean up. I'm not one of the people making the decisions. You can see for yourself from the document I linked to that the fund isn't meeting the expectations of the people who are. You clearly think ...
by jcompton
Sun Nov 14, 2010 1:23 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri and microcaps (BRSIX)
Replies: 45
Views: 8316

Wisconsin: There is clearly an error (DFA Micro beat Russell micro but lost to the other 3 benchmarks) in the commentary on 5 year performance. DFA will get a chance to rebut. Its just a notice for more scrutiny. I give them credit for making DFA report the custom market cap benchmark, though. That...
by jcompton
Sun Nov 14, 2010 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: mycheckfree.com - anyone use it ?
Replies: 5
Views: 1407

I use it but only because it was the designated payment system for my electric/gas utility, and that's the only bill I pay on it. The interface is slightly clunky but it works fine, and I've never had a problem with an unprocessed payment. I have also never changed banks in the years I've been using...
by jcompton
Sat Nov 13, 2010 4:22 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri and microcaps (BRSIX)
Replies: 45
Views: 8316

It's been interesting watching my state's 457 plan gyrate around DFA Microcap's performance. The plan stewards, frustrated with the inability of the fund to meet required benchmarks, invented a new benchmark that the fund could beat. But they seem to have grown tired of that game and are looking at ...
by jcompton
Tue Nov 09, 2010 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: solo 401k or SEP-IRA?
Replies: 10
Views: 2723

i guess based on all of the responses, a solo 401k is the way to go, but is not real clear cut. If you want to maximize contributions, it's a total slam-dunk. On the low end you can save what basically amounts to the first $16.5K of profit. Then toss the percentage contribution on top of that, and ...
by jcompton
Sun Nov 07, 2010 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Sweep Accounts and Vanguard
Replies: 2
Views: 1365

Specifically, it must be Vanguard Prime MM. Vanguard stopped allowing new brokerage accounts to use other MM funds as sweep around when the Fed rate went to zero.
by jcompton
Fri Nov 05, 2010 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard 2040 a good option for 401K?
Replies: 10
Views: 1766

The prospectus for 2040 said the fund is good for people planning to retire 2036-2040. One of the cardinal rules around here is that the stated date of any Target Retirement-type fund should be completely ignored, and that the only thing that really matters is its portfolio allocation. (The other c...
by jcompton
Sun Oct 31, 2010 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Why is the Prime MM expense ratio so high?
Replies: 8
Views: 2159

...and the fact that it's the most common (and these days, the only) option for brokerage sweep, meaning they have to support lots of tiny balances.

Overall, "lots and lots of moving parts" seems to be the explanation.
by jcompton
Mon Oct 18, 2010 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: What's up with SPY today
Replies: 28
Views: 3704

Yahoo reports it as a 0.71% change today. But it still shows the 10%-down trade at the end we were talking about. (as of the moment I post this, see below for why it may disappear later.) Just because one maket web site reports whacky numbers doesn't mean it's true. Which is fine by me, because I w...