Search found 2260 matches

by oneleaf
Thu Nov 09, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary Form Question (Child's Trust)
Replies: 8
Views: 393

Re: Vanguard Beneficiary Form Question (Child's Trust)

At this point, since my daughter is only 2, I am primarily interested in designating guardianship for her. I know I don't have a perfect plan. But I didn't want to have to hire a lawyer for this. And as I am traveling in a few days, I can either shred my will and make a new one (with a UTMA if that ...
by oneleaf
Thu Nov 09, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary Form Question (Child's Trust)
Replies: 8
Views: 393

Re: Vanguard Beneficiary Form Question (Child's Trust)

I was initially hoping this was a simple question with a simple solution, since I only have one child and one trust created under my will. I apologize if I really should be looking for an estate lawyer, but I was hoping there are plenty of DIY'ers and this is a fairly routine question? If not, pleas...
by oneleaf
Thu Nov 09, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary Form Question (Child's Trust)
Replies: 8
Views: 393

Re: Vanguard Beneficiary Form Question (Child's Trust)

What if your daughter predeceases you? We usually fill in "See attached rider" and then attach a rider with the specific provisions. In this case, that would include who would get the IRA if your daughter doesn't survive you. I suppose the IRA would just go to my estate, and the court would decide ...
by oneleaf
Thu Nov 09, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary Form Question (Child's Trust)
Replies: 8
Views: 393

Re: Vanguard Beneficiary Form Question (Child's Trust)

Yea, we would consider hiring an attorney, but since we don't have one, I was hoping this is a simple matter that I can do myself. Curious how others have done their beneficiary forms, with simple Nolo or Legalzoom wills with trusts?
by oneleaf
Thu Nov 09, 2017 2:59 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary Form Question (Child's Trust)
Replies: 8
Views: 393

Vanguard Beneficiary Form Question (Child's Trust)

I have a young daughter and my will designates that a trust be created for her upon our deaths and assets held until she reaches a certain age. On Vanguard's Beneficiary Form, one of the options is a Trust, where I can click the button that says "To the trustee of a trust created under my last will"...
by oneleaf
Wed Nov 08, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Slaughtering The High Dividend Sacred Cow
Replies: 192
Views: 12917

Re: Larry Swedroe: Slaughtering The High Dividend Sacred Cow

I believe Larry is on point regarding this matter. On the other hand, as a retail investor, I've learned to accept "flawed" dividend products when it suits my needs. Wisdomtree's DLS and DGS provide access to International Small Value and Emerging Small Value asset classes. Yes, I would prefer that ...
by oneleaf
Wed Nov 08, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 36
Views: 3289

Re: U.S. & International Allocation

One interesting thing I discovered is that the Oregon 529 plan (run by TIAA-CREF) has a 50/50 domestic/international split among all of their portfolios. An aggressive portfolio would have 40/32/8 in Domestic/Developed/Emerging. A conservative portfolio would have 10/8/2. The underlying funds are br...
by oneleaf
Tue Nov 07, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA: Trying to Make it Hassle-Free
Replies: 7
Views: 612

Re: UTMA: Trying to Make it Hassle-Free

Thanks for the responses! I already have a 529, and trying not to contribute too much to it. This UTMA would be small enough that keeping gains under $1050 annually should be very easy, which is why I wanted to do that. But if the account ever grew, I agree I should not worry about doing a tax retur...
by oneleaf
Tue Nov 07, 2017 1:18 am
Forum: Investing - Help with Personal Investments
Topic: UTMA: Trying to Make it Hassle-Free
Replies: 7
Views: 612

UTMA: Trying to Make it Hassle-Free

My daughter occasionally gets cash gifts, and I am interested in putting them in a UTMA account for her. I wanted to make sure I understood all the implications of having a custodial account for her. This was my plan: 1. My understanding is my daughter does not need to file a tax return if the inves...
by oneleaf
Wed Oct 25, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Difference in ERs between Vanguard's Funds vs ETFs
Replies: 13
Views: 848

Re: Difference in ERs between Vanguard's Funds vs ETFs

I also own both VSS and VFSVX in differnt accounts. I've always assumed that the growth of ETF's at Vanguard has hindered the growth of the assets held in the mutual funds themselves. Not stopped of course, just hindered. It's ironic that if the ETF didn't exist the mutual fund would have much more...
by oneleaf
Tue Oct 24, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Difference in ERs between Vanguard's Funds vs ETFs
Replies: 13
Views: 848

Re: Difference in ERs between Vanguard's Funds vs ETFs

Yeah - I wish there was some guidance on this. I'm wishing Total World Admiral existed. The issue of investors considering etf shares vs investor shares when admiral doesn't exist is a thorny one. If an investor would prefer mutual fund shares instead of ETFs - given the fact that (as far as I know...
by oneleaf
Tue Oct 24, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Difference in ERs between Vanguard's Funds vs ETFs
Replies: 13
Views: 848

Re: Difference in ERs between Vanguard's Funds vs ETFs

tibbitts wrote:
Tue Oct 24, 2017 5:13 pm
The unpredictability of when a fund will get admiral shares is annoying - there seems to be no pattern.
I know. I feel like VFSVX (Ex-US Small) should have one by now. Been holding the investor shares since inception. :?
by oneleaf
Tue Oct 24, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Difference in ERs between Vanguard's Funds vs ETFs
Replies: 13
Views: 848

Re: Difference in ERs between Vanguard's Funds vs ETFs

Just noticed a 13 basis point difference in ERs between Vanguard's Small Cap International Mutual Fund (VFSVX 0.27) and EFT (VSS 0.13). In general, how long does it take for fund volume to catch up and offset expenses so that these ERs so they are closer? The market cap of both of these are similar...
by oneleaf
Tue Oct 24, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: How do Fund-to-ETF conversions affect tax lots?
Replies: 4
Views: 640

Re: How do Fund-to-ETF conversions affect tax lots?

If you use specific identification, Vanguard won't let you sell a partial lot unless you liquidate your entire position. For example, if you have three lots of .8, .7, and .6 shares, you probably won't be able to sell one share, but you can sell two shares and Vanguard will take care of the extra t...
by oneleaf
Sun Oct 22, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: How do Fund-to-ETF conversions affect tax lots?
Replies: 4
Views: 640

How do Fund-to-ETF conversions affect tax lots?

I am considering doing some conversions from Vanguard index funds to ETF's in my taxable account and curious how this would affect my SpecID tax lots. If done right, then all of these lots will have partial shares. Partial shares cannot be sold unless you liquidate an entire position. So, say, I hav...
by oneleaf
Sun Oct 08, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 50
Views: 4947

Re: Alliant Credit Union no longer offering HSA's as of 11/9

Only found out about this yesterday. Rather than deal with the transfer, I made a full distribution and will ask them to close the account. I have enough medical bills to use it all for reimbursement. After 10+ years of hoping for HSA's to take off as a low-cost investment vehicle, I decided it's mo...
by oneleaf
Wed Sep 27, 2017 12:57 am
Forum: Personal Consumer Issues
Topic: Transfering Data Between Cloud Providers
Replies: 7
Views: 972

Re: Transfering Data Between Cloud Providers

I have transferred from Amazon S3 to Google Cloud Platform. Note, there is significant data transfer out charges so doing it fresh from your local PC will be cheaper (generally free). Did you transfer your data that was backed up on CrashPlan or this was something else? I am wondering if whoever tr...
by oneleaf
Tue Sep 26, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Transfering Data Between Cloud Providers
Replies: 7
Views: 972

Re: Transfering Data Between Cloud Providers

I have transferred from Amazon S3 to Google Cloud Platform. Note, there is significant data transfer out charges so doing it fresh from your local PC will be cheaper (generally free).
by oneleaf
Tue Sep 19, 2017 3:18 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49880

Re: Equifax customer information leak

Some slightly good news. Equifax refunded me and my wife the $10 freeze fee, without me needing to ask for it . Nice surprise when checking my credit card transactions today. A few days ago, they announced that freezes would be free for the next two months, but did not say how or if they would refun...
by oneleaf
Wed Sep 13, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49880

Re: Equifax customer information leak

Anyone find out if Equifax will refund the freeze fees automatically or do we have to call? News is reporting that all freezes since 9/7 are free and will be refunded, but no word on whether we need to call.
by oneleaf
Sat Sep 09, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 35466

Re: Can't freeze credit at Experian?

Happened to both me and my wife. Annoying thing is it failed AFTER asking for CC info.

I then tried it on the phone. Mine worked but my wife's did not.

So if you failed online, worth trying over the phone!
by oneleaf
Sat Sep 09, 2017 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49880

Re: Equifax customer information leak

I had the same experience with Experian several months ago. Several unsuccessful online freeze attempts resulted in three pending charges. Finally I was able to successfully freeze by calling their 888 number and that caused a fourth pending charge. At the end of the billing period I was only charg...
by oneleaf
Fri Sep 08, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49880

Re: Equifax customer information leak

Transunion had the worst experience for freezing. After twenty minutes on a unintuitive website, the last page would not permit me through. Another 20 on the phone, and finally frozen. Upon checking bank, two pending charges for the freeze. Experian and Equifax were both under 5 minutes online. Equ...
by oneleaf
Fri Sep 08, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49880

Re: Equifax customer information leak

Just froze my wife and I's credit reports at Equifax and Transunion online. Tried to do it at Experian but both me and my wife could not do it and they requested that we do it by mail (after going through the form and entering credit card number for the $10, it tells me they can't do it, which was s...
by oneleaf
Wed Aug 02, 2017 1:13 am
Forum: Personal Consumer Issues
Topic: Any problem leaving a hole in ceiling of garage?
Replies: 27
Views: 2148

Re: Any problem leaving a hole in ceiling of garage?

Thanks for the replies. We have never had an issue with moisture. Also, there are no cars in the garage or other equipment that might give off carbon monoxide. We just use it for storage.
by oneleaf
Tue Aug 01, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Any problem leaving a hole in ceiling of garage?
Replies: 27
Views: 2148

Any problem leaving a hole in ceiling of garage?

We had a leak coming down the upstairs shower valve down into the garage, that required cutting up some drywall. I am left with a rectangular hole down there of about 2 ft X 1 ft. It doesn't bother us having a hole there since it's the garage. And if there was ever another leak, we'd catch it earlie...
by oneleaf
Thu Jul 20, 2017 12:01 am
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 40
Views: 9125

Re: Anyone feel like talking "R"

I recently took a Python for Data Science class where we downloaded Anaconda and used the Jupyter Notebook for the class. The Jupyter Notebook is great for doing step by step analysis and seeing results. Jupyter is great. I do a lot of my reports and exploratory analysis in Python using Jupyter, bu...
by oneleaf
Mon May 29, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 12358

Re: Updates on the status of Linux

Nah, that's not true. That's what people say when they're too close to Linux on the technical side. ;) In fact, that's what I often complain about. Technical Linux users and sysadmins use the command line day in and day out. I'm not sure they've ever even tried a GUI-heavy system like Mint which is...
by oneleaf
Sun May 28, 2017 1:35 am
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 12358

Re: Updates on the status of Linux

I don't really get comments like that. Modern Linux is becoming more attuned to Windows and Mac users who wouldn't know a server or a programming code if it hit them in the face. Of course, geeks can run wild on Linux if they want to, but that doesn't stop average users from enjoying a traditional ...
by oneleaf
Tue Mar 21, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 3199

Re: Anybody using the TERMINAL over the GUI in ubuntu?

Besides commandline tools, there are also terminal programs that use ncurses for a GUI like experience. Definitely give the following a try: Midnight Commander (package name is mc), weechat (if you use IRC), htop, and moc music player (mocp package).
by oneleaf
Thu Feb 23, 2017 1:48 am
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 76
Views: 7638

Re: Desktop Computer - Still relevant? Good investment?

Fun fact: if you keep a desktop computer for more than 4 years you'll spend more on electricity than on buying it! This is not really a fact. This really depends how much you spend on your computer, and how long you use it. Let's take a $1000 desktop computer with 200W average power consumption inc...
by oneleaf
Mon Feb 13, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Building a Computer
Replies: 28
Views: 3159

Re: Building a Computer

For me, I'm not interested in cost/performance or "bang-for-the-buck." I'm only interested in "bang." I've used an i7 since 2010 (the i7 930, and now run the i7 6700k). Kaby Lake wasn't released yet when I made my purchase, but I also wasn't interested in waiting because of the ...
by oneleaf
Sat Feb 11, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Building a Computer
Replies: 28
Views: 3159

Re: Building a Computer

OP: You didn't specify which CPU exactly, but I always recommend i7, even though you could probably get away with i5 just fine in most situations. I personally think i7's need to be justified only for very specific use cases. People that do a lot of video editing or rendering or encoding. Or 3D CAD...
by oneleaf
Fri Feb 10, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: Building a Computer
Replies: 28
Views: 3159

Re: Building a Computer

Here's a few tips I can offer based on my personal preferences of doing low power and quiet systems. For the past few generations, Intel integrated graphics have been excellent for home theater and general usage. Kaby Lake processors can handle 4K output no problem now, even on their lower end proce...
by oneleaf
Fri Jan 20, 2017 1:22 am
Forum: Personal Finance (Not Investing)
Topic: Tax forms for newly opened brokerage account
Replies: 25
Views: 2026

Re: Tax forms for newly opened brokerage account

Is it even possible to know the dividends for international funds before the tax forms come out? You can see the dividends paid to you, but the reported amount will be higher on the 1099-DIV which then has the foreign taxes paid line that accounts for the difference. AFAIK, no way to know the number...
by oneleaf
Sun Dec 04, 2016 3:20 pm
Forum: Personal Consumer Issues
Topic: Any particular oven toaster you prefer????
Replies: 23
Views: 2480

Re: Any particular oven toaster you preffer????

Low and behold, I was just about to start researching this. My wife wants one of these for Christmas. Does anyone have experience with the Breville brand? The Breville one I had was the best toaster I ever had. Unfortunately it stopped working one day after two years of use, and it was out of warra...
by oneleaf
Sat Nov 05, 2016 12:22 pm
Forum: Personal Consumer Issues
Topic: Any Experiences Buying Mattress Online
Replies: 47
Views: 12875

Re: Any Experiences Buying Mattress Online

The wool topper does add a nice softness that I think is more comfortable than without, but the primary reason I use it is for temperature regulation. Try Laughlin Designs St. Dormeir: Wool Mattress Protectors, from their snuggledown.com website. I have bought 4 mattress covers and they have nice st...
by oneleaf
Sun Oct 30, 2016 1:01 am
Forum: Personal Consumer Issues
Topic: Passport renewal - old passport
Replies: 22
Views: 3262

Re: Passport renewal - old passport

Funny, I just got my passport back today, as well. According to the instructions, the old one should be mailed separately.
by oneleaf
Fri Oct 28, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny Tax?
Replies: 26
Views: 3385

Re: Nanny Tax?

Anyone compare Breedlove with SurePayroll? The latter is quite a bit cheaper and has excellent reviews. Not sure if you get more with Breedlove? We are also looking for an option starting in the new year.
by oneleaf
Wed Sep 21, 2016 4:17 pm
Forum: Personal Consumer Issues
Topic: Advice on Smoke Detectors
Replies: 14
Views: 1707

Re: Advice on Smoke Detectors

Thanks for the responses. I should mention this is a small condo and we can hear any and all fire alarms from any room.

Soboggled, would you recommend a battery-only photoelectric one to replace and just leave the existing alarms alone and unarmed?
by oneleaf
Wed Sep 21, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: VBS Upgrade and Agent Authorization
Replies: 5
Views: 759

Re: VBS Upgrade and Agent Authorization

My VG rep said that there was a recent change in PA law and VG' accounts have been under the new law for a few months. The change requires two witnesses to sign on the agent authorization form and that's why the new agent authorization form is required to be signed, notarized and mailed in. I think...
by oneleaf
Wed Sep 21, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: Advice on Smoke Detectors
Replies: 14
Views: 1707

Advice on Smoke Detectors

I have some Firex smoke detectors that are hardwired with battery backup, but I just realized that the green LED has never been on, which indicates no AC power. The connectors, wire nuts, and breaker are all in good shape, so I do not know what is wrong. It looks like I might have to get an electric...
by oneleaf
Wed Sep 21, 2016 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: VBS Upgrade and Agent Authorization
Replies: 5
Views: 759

Re: VBS Upgrade and Agent Authorization

Did the account numbers change for those with existing brokerage accounts? If the account number did not change, it might explain why the agent authorization carried over. I remember someone posted in more than one threads indicating that he had to fill out a new agent authorization form after upgr...
by oneleaf
Wed Sep 21, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: VBS Upgrade and Agent Authorization
Replies: 5
Views: 759

VBS Upgrade and Agent Authorization

So there has been some discussion over the past couple years of people having to re-submit agent authorization forms for accounts that went through the Brokerage upgrade process. I wanted to share my experience as well as ask others what happened with their accounts, since I still have two accounts ...
by oneleaf
Fri Sep 16, 2016 7:56 pm
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 1855

Re: Where Do BHs Register Business Web Domains?

Google Domains and Amazon Route 53 have competitive prices and both offer free private registration so will come out cheaper. Google also has free DNS services which puts them ahead of Amazon. Amazon will host your DNS for 50 cents per month which is not bad since it is great service if you need som...
by oneleaf
Fri Jul 15, 2016 5:36 pm
Forum: Investing - Theory, News & General
Topic: "Pokemon Go" -- should buying Nintendo have been obvious?
Replies: 88
Views: 6760

Re: "Pokemon Go" -- should buying Nintendo have been obvious?

They are also releasing this m. If I would have known a month ago, I probably would have bought my first individual stock. It's going to be a huge year for Nintendo. It's insane to me the number of tech-inclined people I know who are excited to pay $60 for a closed system with 30 games when they co...
by oneleaf
Sat Jul 02, 2016 3:58 pm
Forum: Personal Consumer Issues
Topic: Stimulating toys for 3-5 year old
Replies: 18
Views: 2007

Re: Stimulating toys for 3-5 year old

Snap Circuits!
by oneleaf
Wed Jun 29, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: Why is everyone up in arms about Costco's credit transition?
Replies: 65
Views: 6393

Re: Why is everyone up in arms about Costco's credit transition?

I had no idea anyone was up in arms over this. So I guess the OP just did his part in blowing this even more out of proportion! FWIW, we got all the notices for the transition, everything went smooth, and we are now using the new Visa card. Nice rewards for restaurants and the card has a cool red bo...
by oneleaf
Sat Jun 25, 2016 11:06 am
Forum: Investing - Help with Personal Investments
Topic: [RESOLVED] 401k Rollover to Vanguard Gone Awry - Can You Advise?
Replies: 10
Views: 1398

Re: 401k Rollover to Vanguard Gone Awry - Can You Advise?

So you also rolled over a 401k with pretax and roth assets? Were both checks made out the same way and did you simply add a note when you sent them to Vanguard telling them which accounts? Just wanted to know how a successful rollover went so I can try to do the same thing when we do it next month....
by oneleaf
Sat Jun 25, 2016 10:32 am
Forum: Investing - Help with Personal Investments
Topic: [RESOLVED] 401k Rollover to Vanguard Gone Awry - Can You Advise?
Replies: 10
Views: 1398

Re: 401k Rollover to Vanguard Gone Awry - Can You Advise?

I don't want to be bearer of bad news but I rolled a traditional and Roth into Vanguard a couple months ago. My "track my transfer" link still says it's waiting for a rollover check. I believe these are just placeholders because they list the approximate values I gave Vanguard while openi...