Search found 318 matches

by femur
Tue Jun 02, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: Home Defense against the Horde
Replies: 38
Views: 2151

Re: Home Defense against the Horde

I recommend moving.

The next best option I believe would be a firearm. An AR-15 is a good choice. A shotgun would work well too.
by femur
Thu Nov 28, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 89787

Re: Flaunt Your High-Mileage Car

Mine: 2007 Hyundai Sonata with the 2.4L: 208,000miles Wife: 2005 Nissan Altima with the 2.5L: 202,000miles Weekend fun truck: 2002 F150 with the 4.6L: 158,000miles Deer camp truck that rarely sees paved roads: 2000 Nissan Frontier with 2.5L: 242,000miles Will probably replace my wife’s Altima with a...
by femur
Fri May 10, 2019 4:19 pm
Forum: Investing - Theory, News & General
Topic: Any conservative young investors?
Replies: 79
Views: 9614

Re: Any conservative young investors?

darrvao777 wrote:
Fri May 10, 2019 12:42 pm
<35

66/33 split

Plan to continue indefinitely

I’m 36, have the same allocation and plan to keep it forever.
by femur
Mon Apr 29, 2019 12:08 pm
Forum: Investing - Theory, News & General
Topic: WSJ--How Schwab Ate Wall Street
Replies: 82
Views: 10934

Re: WSJ--How Schwab Ate Wall Street

One thing that hit me from the article: "Schwab's bank made more than half of the company's overall revenue of $10.13 billion in 2018, up from 29% of revenue in 2009." And Vanguard discontinues it's banking options. No kidding. If Vanguard could somehow relaunch "VangaurdAdvantage" as a cash manage...
by femur
Tue Apr 23, 2019 10:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 69130

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

- and, oh by the way, the $250 minimum on Prime MM no longer exists. This is very interesting. I use these checks for QCDs. After I verify this is the case, I will ask Vanguard for a new checkbook that does not state the $250 minimum on each check. Let us know what you find out since I was planning...
by femur
Mon Feb 11, 2019 9:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 232
Views: 53655

Re: Vanguard Prime Money Market yield over 2.5%

TheGreyingDuke wrote:
Mon Feb 11, 2019 6:39 pm
Just off the phone with Vanguard, designating an alternative fund for check writing is NOT available with the Advantage accounts, stuck with the Federal MM.
Thanks for the update!
by femur
Sun Feb 10, 2019 5:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 232
Views: 53655

Re: Vanguard Prime Money Market yield over 2.5%

Kevin M wrote:
Fri Feb 08, 2019 8:25 pm
Still, maybe they can set up an alternate redemption fund for my VA account. It basically sounds like overdraft protection, which would be ideal. I'll call and ask.

Thanks,

Kevin
Please update the thread with what you find!
by femur
Fri Feb 08, 2019 2:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 232
Views: 53655

Re: Vanguard Prime Money Market yield over 2.5%

I have a Vanguard brokerage account and hold Prime Money Market therein. I was able to setup an alternate redemption fund and keep (essentially) a $0 in the settlement money market and all my cash in VMMXX. Whenever I write a check, it ends up drawing right from VMMXX. One thing I have wondered (an...
by femur
Fri Feb 08, 2019 10:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 232
Views: 53655

Re: Vanguard Prime Money Market yield over 2.5%

For example, some might prefer Fidelity because of the CMA and ability to set up overdraft for the CMA from a money market fund. In my case, with a (free) Vanguard Advantage account, I'm finding that I can use the Fed MM fund as a high-yield checking account (TEY = 2.54%) and Treasury MM as a "link...
by femur
Sat Jan 19, 2019 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 53867

Re: [Ally online savings now at 2.20%]

If you get the vanguard money market fund, when you want the money, will they not take 2 days to settle when you sell, and then another 2-3 days for doing ACH to your bank. It will be a 1 week delay with no interest. What am I missing. The PMMF issues you a check book. Write a check. Send it to who...
by femur
Fri Jan 04, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Anybody use Vanguard Advantage do you need 1 million to avoid fees?
Replies: 23
Views: 3459

Re: Anybody use Vanguard Advantage do you need 1 million to avoid fees?

Does anyone know if I can still maintain an "alternative redemption fund" with vanguard advantage? Right now I don't have vanguard advantage but use check writing from my brokerage acct. I keep the federal MMF sweep acct at $0 and have Prime MM as my alternate redemption fund. I would love to have a...
by femur
Mon Sep 24, 2018 7:07 am
Forum: Personal Investments
Topic: How to set up direct deposit to Vanguard Prime Money Market?
Replies: 29
Views: 4158

Re: How to set up direct deposit to Vanguard Prime Money Market?

From what I understand, if you setup "Vanguard Advantage" in your account (flagship only offering), you can designate the PMM to be a checking-like account. Meaning you can direct deposit to it and write checks against it.

Is that correct?
by femur
Wed Jul 18, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 89787

Re: Flaunt Your High-Mileage Car

My car is a 2007 Hyundai Sonata with 191,000 miles.
My wife's car is a 2003 Nissan Altima with 189,000 miles.

I find a lot of preventative maintenance helps cars make it to the high mileage club.
by femur
Sun Jul 01, 2018 9:37 am
Forum: Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 9809

Re: What % of your equity is int’l?

drk wrote:
Sun Jul 01, 2018 12:02 am
siamond wrote:
Sat Jun 30, 2018 10:53 pm
Simple: 50% domestic, 50% international. Hedging my bets, and maximally diversifying.
Ditto.
+1


However when vanguard total world finally gets admiral shares, I will have my entire equity exposure in that so will just follow the market cap.
by femur
Sun Jun 17, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 17028

Re: How much (green) cash at home for emergency ?

I keep around $1200 in mixed bills, myself.
by femur
Mon Jun 11, 2018 9:19 pm
Forum: Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 139
Views: 30152

Re: Who uses the 3 fund portfolio ?

I have a plain old 3fund portfolio and am very happy with it. I will, however, go to a 2fund portfolio whenever vanguard total world gets cheap enough or offers admiral shares.
by femur
Wed May 09, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Do unclaimed savings bonds ever expire or escheat?
Replies: 5
Views: 1038

Re: Do unclaimed savings bonds ever expire or escheat?

I'm not an authority on this, but I don't think they escheat. You didn't explicitly say when they matured, if about his year of death I think you've got a while. The hurdle may be actually claiming them & difficulty of that may depend on how beneficiary setup. If he had his wife as beneficiary, the...
by femur
Wed May 09, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Do unclaimed savings bonds ever expire or escheat?
Replies: 5
Views: 1038

Do unclaimed savings bonds ever expire or escheat?

Greetings, My google searches came up empty on this so I decided to start a thread. A while back, using the "Treasury Hunt" feature on the US treasury website (which now seems to be defunct?) I found some fully matured unclaimed savings bonds that were owned by my wife's father who died back in the ...
by femur
Sun Apr 22, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 97
Views: 12598

Re: How long have you been unemployed?

I took a ~6 month break after working for many years at a "big 4" consulting firm right out of college. During that break I bummed around Europe under the guise that I was considering emigrating there. I came back to the US and got a job in Texas. Fun anecdote; the period of my little sabbatical coi...
by femur
Tue Feb 27, 2018 9:31 pm
Forum: Personal Investments
Topic: Vanguard Brokerage Direct Deposit Limitation?
Replies: 3
Views: 827

Re: Vanguard Brokerage Direct Deposit Limitation?

Well heck. Is there anyway I can have my sweep account automatically empty into another investment whenever the balance is greater than $0?
by femur
Tue Feb 27, 2018 3:56 pm
Forum: Personal Investments
Topic: Vanguard Brokerage Direct Deposit Limitation?
Replies: 3
Views: 827

Vanguard Brokerage Direct Deposit Limitation?

Greetings, I am trying to setup a direct deposit of my paycheck directly into my Prime Money Market holding in my Vanguard brokerage account and seem to be a little stumped. It appears that I am only allowed to direct deposit only into my sweep account. Here is the screen I am presented with (redact...
by femur
Mon Feb 05, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 20804

Re: Vanguard site is crashed now?

Nope! I made a big 'buy' just 10 minutes ago with no issue.
by femur
Thu Feb 01, 2018 8:24 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 16249

Re: Fewer acronyms please

DW and DH really annoy me. Is it really that much trouble to type wife or husband?
by femur
Mon Jan 22, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Elder Care Issue; Non-emergency assistance
Replies: 28
Views: 1947

Re: Elder Care Issue; Non-emergency assistance

Thank you everyone for the kind and salient feedback.

I will make sure that all handholds and safety measures are in place in the bathroom and intone to my parents that it is OK to call 911 if a situation like that should arise.
by femur
Mon Jan 22, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Elder Care Issue; Non-emergency assistance
Replies: 28
Views: 1947

Elder Care Issue; Non-emergency assistance

My parents are in their 70's and my mom's health is starting to decline somewhat. My father posed a scenario to me when we last spoke on the phone and I did not have the faintest idea how to respond. A situation could arise where my mom could be, for example, in the bathtub (or have fallen down, etc...
by femur
Fri Dec 29, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 44
Views: 6608

Re: Hyundai quality and reliability

I have a 2007 sonata with 185,000 miles. It was my family's first non-Nissan vehicle in 20+ years. I have had little stuff go wrong such as: -Air intake valve getting stuck -Seat adustment control mechanism needed replacing -Window/lock control on one door needed replacing -Windsheild washer fluid p...
by femur
Mon Dec 25, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 27358

Re: Do you see a meaningful change in your income with new Tax Bill?

My wife and I will save about $2000 a year! :D 8-)

I am very pleased!

(I am in a Low Tax state and do not itemize)
by femur
Sun Dec 17, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Auto and homeowner insurance ... How often do you switch?
Replies: 22
Views: 2633

Re: Auto and homeowner insurance ... How often do you switch?

I don’t switch every year but I do shop around every year looking for a better deal. If I find one, I switch! I haven’t found a better deal than geico for 4 years now.
by femur
Sat Nov 04, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: USAA membership loophole?
Replies: 11
Views: 10588

USAA membership loophole?

Greetings, I wish to join USAA and access their banking and insurance services and I am trying to figure out how to do so. One idea that I have is to have my father (formally a Marine) join by opening a savings account and put like $100 in there. Once he establishes his membership, that would allow ...
by femur
Sun Sep 24, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 12276

Re: Where do you get your news?

Several people have mentioned reddit as a news source. How does that work? Several ways. 1. Most simply, big current event items with a lot of focus get "voted" onto the front page and are visible directly on reddit.com. An example would be a presidential election. 2. More mundane news items are vi...
by femur
Sun Sep 24, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 12276

Re: Where do you get your news?

Drudgereport

Reddit

CNN's website

local NPR station on the radio while commuting
by femur
Mon Aug 14, 2017 12:39 pm
Forum: Personal Investments
Topic: Problem with Vanguard Service/Covered Share Accounting
Replies: 5
Views: 769

Re: Problem with Vanguard Service/Covered Share Accounting

Hi,

I had this issue recently and Vanguard ended up fixing it in a matter of a couple days. My thread is here:

viewtopic.php?f=1&t=225046&p=3487236#p3487236

I'd be happy to answer any questions you might have about my experience.

Good luck!
by femur
Thu Aug 10, 2017 12:34 pm
Forum: Personal Investments
Topic: Help understanding cost basis mismatch at Vanguard
Replies: 11
Views: 1635

Re: Help understanding cost basis mismatch at Vanguard

HueyLD,

Yes it is a brokerage account.

Also, this account was opened as a brokerage; I did not go through that troublesome upgrade nonsense that people have been reporting.

Cheers,
Femur
by femur
Thu Aug 10, 2017 12:29 pm
Forum: Personal Investments
Topic: Help understanding cost basis mismatch at Vanguard
Replies: 11
Views: 1635

Re: Help understanding cost basis mismatch at Vanguard

I thought I would post the final resolution to my cost basis issue in case anyone stumbles into the same problem. Vanguard fixed the issue 4 days after I called and reported it. My cost-basis now looks as expected. No root cause was given as to how this issue occurred. My advice to anyone concerned ...
by femur
Mon Aug 07, 2017 9:10 am
Forum: Personal Investments
Topic: Help understanding cost basis mismatch at Vanguard
Replies: 11
Views: 1635

Re: Help understanding cost basis mismatch at Vanguard

In case anyone is curious, I did reach out to Vanguard about this issue. Here is how it went: On hold for 10 minutes Talked to a rep for 5 minutes and had to explain about 3 times what the issue was. She transferred me to "Issue resolution team" On hold for 30 minutes Issue resolution team confirmed...
by femur
Sat Aug 05, 2017 1:48 pm
Forum: Personal Investments
Topic: Help understanding cost basis mismatch at Vanguard
Replies: 11
Views: 1635

Re: Help understanding cost basis mismatch at Vanguard

Thanks everybody! I'll call Vanguard on Monday and ask them to fix it.
by femur
Sat Aug 05, 2017 11:04 am
Forum: Personal Investments
Topic: Help understanding cost basis mismatch at Vanguard
Replies: 11
Views: 1635

Help understanding cost basis mismatch at Vanguard

Hi all, I seem to have a strange mismatch of share value as shown in my cost basis at Vanguard. On 8/3 I made a purchase in VWIUX and it was recorded at $14.24/share in my transaction history: http://i.imgur.com/SQ3XcmE.png But when I go look at my cost basis, it is recorded at $14.09 a share! http:...
by femur
Mon Apr 03, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Young-ish bogleheads: How much (if any) social security do you expect in retirement?
Replies: 88
Views: 7891

Re: Young-ish bogleheads: How much (if any) social security do you expect in retirement?

*3!4!/5! wrote: I don't understand your comment. When I say

My comments in this thread were not directed at you.
by femur
Mon Apr 03, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Young-ish bogleheads: How much (if any) social security do you expect in retirement?
Replies: 88
Views: 7891

Re: Young-ish bogleheads: How much (if any) social security do you expect in retirement?

Why would it be locked? It seems an important part of financial planning. (Admittedly, I am a relative newbie so maybe this veers into politics too much, but it seems like a critical planning and finance topic based on math and not just politics.) I apologize if I veered off course, but I consider ...
by femur
Mon Apr 03, 2017 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Young-ish bogleheads: How much (if any) social security do you expect in retirement?
Replies: 88
Views: 7891

Re: Young-ish bogleheads: How much (if any) social security do you expect in retirement?

I am surprised this thread is not yet locked by the moderators. I am also surprised that so many young Bogleheads do not believe that they will receive any social security. I wonder if this will become a self-fulfilling prophecy? I am in my mid thirties and share this view. I expect to receive $0 so...
by femur
Wed Mar 15, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help finding deceased grandparents money
Replies: 4
Views: 1088

Help finding deceased grandparents money

Greetings, My father has asked my help in a troublesome situation with regards to my deceased grandparents and an estranged advisor and I thought I would seek the advice of the bogleheads forum members. My Grandmother and Grandfather used the services of a "financial advisor" for their investments b...
by femur
Mon Dec 26, 2016 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 7792

Re: Is it possible to graduate from college in 3 years?

I got my undergrad in a few days shy of three years. I came in with 20+ hours of AP credit and then took 18 hours a semester ( at least) and then 2 summers of courses. I majored in information systems and minored in economics with a 3.4 gpa. I graduated in 2004. I'm glad I did it because I got an ea...
by femur
Tue Aug 30, 2016 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 200
Views: 36399

Re: Evicting a tenant-Hire lawyer?

Great update! This thread continues to be very educational. Thanks!
by femur
Sun Aug 14, 2016 8:42 pm
Forum: Investing - Theory, News & General
Topic: The Mandibles: A Family, 2029-2047
Replies: 19
Views: 3985

Re: The Mandibles: A Family, 2029-2047

I just read this book yesterday after seeing this thread. I could classify this as "Economic Dystonia." The first half of the book was enjoyable (describing an economic collapse) but I found the second half of the book very preachy. It is very derivative of Heinlein down to the pre-teen protagonist...
by femur
Sun Aug 14, 2016 9:27 am
Forum: Investing - Theory, News & General
Topic: The Mandibles: A Family, 2029-2047
Replies: 19
Views: 3985

Re: The Mandibles: A Family, 2029-2047

I just read this book yesterday after seeing this thread. I could classify this as "Economic Dystonia." The first half of the book was enjoyable (describing an economic collapse) but I found the second half of the book very preachy. It is very derivative of Heinlein down to the pre-teen protagonist....
by femur
Sun Jul 31, 2016 10:30 am
Forum: Personal Consumer Issues
Topic: berkey travel water purifier
Replies: 3
Views: 608

Re: berkey travel water purifier

We have a berky at home and use it daily for our drinking water. Guests always comment at how good our water is. Very happy customer!
by femur
Wed Jul 20, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 200
Views: 36399

Re: Evicting a tenant-Hire lawyer?

This has been a fascinating read! Thank you for continuing to update it. If you do end up pressing charges of fraud, etc, I would hope you will continue to update this thread. I feel like I can officially write a book about this now. Honestly, a straight forward and simple guide to tenant eviction m...
by femur
Sat Jul 09, 2016 5:08 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 178
Views: 30933

Re: What's your asset allocation and why?

I've implemented Taylor's (he is one of about 5 people I consider my hero, by the way) three fund portfolio and stuck with it for years now. 34% total stock market 33% international 33% total bond My primary reasons are that it is simple, elegant, I understand it, and I sleep well at night. Once van...