Search found 2966 matches

by student
Sat Apr 20, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Getting rid of spam
Replies: 17
Views: 894

Re: Getting rid of spam

I agree with others who said do not click the unsubscribe link but click spam on your email client to train it to recognizes that such messages are spam.
by student
Sat Apr 20, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 37
Views: 1759

Re: Apple MacBook Air - what to do next.

20% isn’t terrible. Letting it go to zero is. Even still, my wife regularly runs her MacBook Air to zero, never gives it a second thought, and she got over 1000 cycles on her first battery. On the other hand, my 12” MacBook has just 60% of original capacity left after only about 300 cycles. :( I ha...
by student
Sat Apr 20, 2019 11:53 am
Forum: Personal Investments
Topic: Portofolio review
Replies: 19
Views: 949

Re: Portofolio review

Age:38 Desired Asset allocation: 80% stocks /20% bonds 20% bonds is a little low for age 38. Do you mean I should have more than 20% in bonds? If so, how much would you recommend? 30% fixed income for aggressively positioned portfolios 40% fixed income for moderate/conservatively positioned portfol...
by student
Sat Apr 20, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 37
Views: 1759

Re: Apple MacBook Air - what to do next.

Any battery extending tips for stretching this out until I can get time off to go to an Apple store? powering it off completely, etc. - something like that? I may inadvertently be making the battery burn out sooner through my usage habits? I suggest you to take a look a cycle count to see whether i...
by student
Sat Apr 20, 2019 8:29 am
Forum: Personal Investments
Topic: Vanguard security
Replies: 22
Views: 1204

Re: Vanguard security

This lack of availability doesn’t scream security to me. They locked her account access. That seems very secure to me. Lack of availability is more of a customer service issue, not a security issue. And Vanguard requires 2-factor now. Requires? I don't have 2-factor on my mutual fund account, at le...
by student
Sat Apr 20, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 37
Views: 1759

Re: Apple MacBook Air - what to do next.

My experience is that the battery should last for more than 2.5 years. You can bring it in to an Apple store and they are likely to ask you to get a new battery. Unless you have purchased Apple Care, it is out of warranty. Since you said you can afford it and you are not technically advanced, I reco...
by student
Sat Apr 20, 2019 7:42 am
Forum: Personal Investments
Topic: Vanguard security
Replies: 22
Views: 1204

Re: Vanguard security

Call Vanguard and find out why. This is actually good that they have measures in place to prevent unauthorized access.
by student
Sat Apr 20, 2019 7:32 am
Forum: Personal Finance (Not Investing)
Topic: DW worried about What if ...? Wishes to pay off mortgage
Replies: 32
Views: 2500

Re: DW worried about What if ...? Wishes to pay off mortgage

You are done fine so either way is fine. With the information that you have presented, personally I would not do it until it drops to below $50,000 (mostly for psychological reasons).
by student
Sat Apr 20, 2019 6:37 am
Forum: Personal Investments
Topic: Net Worth where it should be?
Replies: 42
Views: 4239

Re: Net Worth where it should be?

You are doing fine. You have a higher net worth than me when I was at your age. You may find the following interesting. https://dqydj.com/net-worth-by-age-calc ... ed-states/ and http://www.globalrichlist.com/
by student
Fri Apr 19, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: mailed US tax check 4/13 - not cashed yet
Replies: 56
Views: 14142

Re: mailed US tax check 4/13 - not cashed yet

my federal check, mailed 4/13 was cashed today. state not done yet. You started this thread 5 years ago. It has been dormant for years. What’s up. Cheers It’s a mystery. But if I read correctly, 5 years ago the fed was uncashed but state was, now the roles are reversed. Ok. So? Five years later. Re...
by student
Fri Apr 19, 2019 9:18 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 695
Views: 87408

Re: Post your Financial Milestone Announcements Here

This seems to be the right place. I just found out today that my net worth crossed $500k. That is especially satisfying to me considering I was at $-150k eight years ago with nearly poverty-level income. The great recession hit me harder than most due to being heavy in stocks and real estate (in th...
by student
Fri Apr 19, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 53
Views: 2469

Re: College admission inputs - Purdue vs local SJSU vs others

SJSU has good replacement record with silicon valley companies. You may find the following interesting. https://sanfrancisco.cbslocal.com/2015/08/25/san-jose-state-university-sjsu-silicon-valley-tech-jobs-apple-cisco-hewlett-packard/ https://www.mercurynews.com/2019/02/22/we-knew-it-all-along-san-jo...
by student
Fri Apr 19, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: mailed US tax check 4/13 - not cashed yet
Replies: 56
Views: 14142

Re: mailed US tax check 4/13 - not cashed yet

sambb wrote:
Fri Apr 19, 2019 7:37 pm
my federal check, mailed 4/13 was cashed today. state not done yet.
Is this from 5 years ago?
by student
Fri Apr 19, 2019 9:24 am
Forum: Personal Investments
Topic: Fire my financial advisor now or later? (recent windfall help needed)
Replies: 44
Views: 3262

Re: Fire my financial advisor now or later? (recent windfall help needed)

Just do the 3-fund portfolio and transfer the money to Merrill Edge (different division from ML). I am not sure going from ML to ME will give you a bonus but you can sign up for preferred rewards. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=150033 Vanguard, TDA, Etrade, Fidelity or Schwab w...
by student
Thu Apr 18, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Is it worth renting a car in Vegas?
Replies: 21
Views: 1420

Re: Is it worth renting a car in Vegas?

They are several burger places/fast food type restaurants on the strip. The fashion show mall has plenty of options.
by student
Thu Apr 18, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 154
Views: 13089

Re: In Laws Retirement Nest Egg

I'm sure they'll "scrape by" somehow...... https://www.shnugi.com/retirement-account-value-percentile-calculator/?min_age=60&max_age=65&retqliq=700000 A retirement account value of 700000.00 for ages 60 to 65 ranks at: 91.44% This means that for every 100 people there are about 91 who have less or ...
by student
Thu Apr 18, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 154
Views: 13089

Re: In Laws Retirement Nest Egg

I'm sure they'll "scrape by" somehow...... https://www.shnugi.com/retirement-account-value-percentile-calculator/?min_age=60&max_age=65&retqliq=700000 A retirement account value of 700000.00 for ages 60 to 65 ranks at: 91.44% This means that for every 100 people there are about 91 who have less or ...
by student
Thu Apr 18, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Question on free credit reports?
Replies: 4
Views: 329

Re: Question on free credit reports?

You can get free reports directly from some of the credit agencies. For example, Experian offers free credit monitoring with 2 reports automatically every month. See https://www.experian.com/consumer-produ ... oring.html
by student
Thu Apr 18, 2019 11:55 am
Forum: Personal Investments
Topic: Locked into [American Funds] - best choices?
Replies: 14
Views: 825

Re: Locked into AF - best choices?

I agree with others who said turn off automatic investing. The funds that you have are front-load funds and you have already paid the front-load. These are active funds and the expense ratios are actually not bad comparing to average but still higher than Vanguard's active funds. I would not sell fu...
by student
Thu Apr 18, 2019 11:47 am
Forum: Personal Investments
Topic: Account location and ownership question (Vanguard and Fidelity)
Replies: 8
Views: 747

Re: Account location and ownership question (Vanguard and Fidelity)

In terms of tax efficiency, it is not important for Roth IRA. Although I find Fidelity has better service than Vanguard, I like them both. I am not sure what you want to accomplish by moving one of the Roth IRA's from Vanguard to Fidelity. If you want two firms to decrease the risk of not being able...
by student
Thu Apr 18, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 154
Views: 13089

Re: In Laws Retirement Nest Egg

I agree with the poster on page 1 who said the main problem here is that the OP and his ILs come from different socioeconomic status. Also from the rest of us on this board. That's the only thing I can come up with that someone thinks that you can't safely retire with a paid off house, Social secur...
by student
Thu Apr 18, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 154
Views: 13089

Re: In Laws Retirement Nest Egg

Then, the OP's spouse should do a little digging. It's that simple. What a lot of us were focusing on was the other part of the post (and a lot of supporting words): OP's belief that a couple with some SS, 700k in savings, a paid off 300k house (ie. more money than most Americans will ever have ) a...
by student
Thu Apr 18, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: Advice on non warrantable condo in Bellingham
Replies: 16
Views: 1233

Re: Advice on non warrantable condo in Bellingham

I would consider the price of the condo relative to one's net worth. If someone is rich enough that this represents, say, 5% of his/her net worth, then this is likely not an issue. In this case, it is percentage wise less then many spend on a car relative to their net worth. If one has to take a mor...
by student
Thu Apr 18, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Should my mom keep her Life Insurance Policy?
Replies: 4
Views: 381

Re: Should my mom keep her Life Insurance Policy?

My view on life insurance policy is that it serves one purpose only. It is to provide financial security to those who rely on the policyholder. If the need does not exist, then a life insurance policy is not needed. As a result, I think term life is, in general, a better product than whole life. At ...
by student
Thu Apr 18, 2019 9:31 am
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 154
Views: 13089

Re: In Laws Retirement Nest Egg

This is a very good question. There are a number of post with headings like "How much is enough?" The following is an interesting thread on the FI number. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=207067 Right, and I've seen a lot of those threads. I have to think, someone who felt THEY...
by student
Thu Apr 18, 2019 7:26 am
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 154
Views: 13089

Re: In Laws Retirement Nest Egg

This is a very good question. There are a number of post with headings like "How much is enough?" The following is an interesting thread on the FI number. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=207067 Right, and I've seen a lot of those threads. I have to think, someone who felt THEY...
by student
Thu Apr 18, 2019 6:25 am
Forum: Personal Consumer Issues
Topic: Do you pick up after renting a vacation rental?
Replies: 51
Views: 3379

Re: Do you pick up after renting a vacation rental?

Here is a thread that you may find interesting. viewtopic.php?f=11&t=252700
by student
Wed Apr 17, 2019 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 154
Views: 13089

Re: In Laws Retirement Nest Egg

I have anxiety about money and I understand your concerns. For now, maybe you could make sure that your savings are in the correct buckets so that you're not in a position to compromise your immediate family's financial security to help them if they do run out of money. For example, keep maxing out...
by student
Wed Apr 17, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 5868

Re: What defines "income" on a retiree's credit card application?

I usually just put 100,000$ Or maybe sometimes I put 200,000. I figure my real income is none of their business and I am giving an underestimation. I am curious what others say. lafder Since you asked....if you "put 100,000" or "put 200,000" and that is not accurate, it sure seems like you are comm...
by student
Wed Apr 17, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 7725

Re: I’m a Loser Stuck in a Dead End Job

As others have said, you have done very well up to this point. You are not a loser. I will leave it to others who can give better career advice.
by student
Wed Apr 17, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Am I getting the runaround from my dentist?
Replies: 19
Views: 1916

Re: Am I getting the runaround from my dentist?

I see the issue here. Basically you pay the dentist directly, his/her office files a claim on your behalf and you receive a check from the insurance. So the dentist has no skin in it and it may not be his/her office's top priority to fix it. I would call the insurance company. That is correct. I ju...
by student
Wed Apr 17, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: Am I getting the runaround from my dentist?
Replies: 19
Views: 1916

Re: Am I getting the runaround from my dentist?

I see the issue here. Basically you pay the dentist directly, his/her office files a claim on your behalf and you receive a check from the insurance. So the dentist has no skin in it and it may not be his/her office's top priority to fix it. I would call the insurance company.
by student
Wed Apr 17, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA
Replies: 1
Views: 193

Backdoor Roth IRA

You may find the recent article about backdoor Roth IRA interesting.

https://www.marketwatch.com/story/heres ... 2019-04-17
by student
Wed Apr 17, 2019 8:10 am
Forum: Personal Investments
Topic: Financial Advisor Issues
Replies: 18
Views: 1373

Re: Financial Advisor Issues

Please move on. If you are willing to do some work, do a 3-fund portfolio. If you do not want to be involved, buy ONE target-date index fund or life strategy index fund from a reputable place such as Vanguard.
by student
Wed Apr 17, 2019 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Young Couple Seeking Financial Advice From Bogleheads
Replies: 27
Views: 2605

Re: Young Couple Seeking Financial Advice From Bogleheads

I agree with others than you are doing well. Congratulations. I also think that you should just pay off the loans.
by student
Wed Apr 17, 2019 7:36 am
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 100
Views: 5355

Re: What Are Your Simple Pleasures?

Surfing the web such as youtube and bogleheads.
by student
Wed Apr 17, 2019 6:43 am
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 154
Views: 13089

Re: In Laws Retirement Nest Egg

I think some are too hard on the OP. 1) Several commented that OP takes money from his/her parents but are not willing to give. OP gave additional info: "Regarding the money gifted to us from my family - this isn't money that we spend, other than annual donations to a foundation set up by a family m...
by student
Wed Apr 17, 2019 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Do flat fees exist for a trust with the trust company as co-trustee?
Replies: 4
Views: 453

Re: Do flat fees exist for a trust with the trust company as co-trustee?

I have not heard of any such arrangement with a flat fee. I would think that it is not worth their time unless the flat fee is very high. Given that even Vanguard charges a percentage https://personal.vanguard.com/pdf/s341.pdf?2210071322 I think it would be difficult to find what you want. Edit: Giv...
by student
Mon Apr 15, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 76
Views: 9545

Re: Do not use Personal Capital

I have no concerns as I only manually update the accounts and I divide everything by 10.
by student
Mon Apr 15, 2019 6:04 am
Forum: Personal Investments
Topic: Schwab money market tax reporting (SWVXX)
Replies: 2
Views: 253

Re: Schwab money market tax reporting (SWVXX)

SWVXX tries to maintain a $1 NAV. So there will be no capital gains or losses under normal circumstances. My understanding is that there is no need to report. You will pay tax on the dividend.
by student
Sun Apr 14, 2019 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Trust investment choices for a difficult beneficiary
Replies: 108
Views: 6086

Re: Trust investment choices for a difficult beneficiary

An interesting question. I'm not sure it's wise. It might be better for the trustees to resign in favor of someone better able to deal with the beneficiaries, perhaps a bank or trust company. There are some that will take trusts of this size. But that doesn't mean the trustees will be held liable. ...
by student
Sun Apr 14, 2019 7:46 am
Forum: Personal Investments
Topic: Zero Fees: Fidelity Lower than Vanguard
Replies: 10
Views: 868

Re: Zero Fees: Fidelity Lower than Vanguard

I have no plan on switching any time soon because
1) Zero fees funds are not available in my 403b and I do not want to switch in my taxable account due to capital gain.
2) They are based on different indices so who knows whether the small difference in ER will make a difference.
by student
Sun Apr 14, 2019 7:33 am
Forum: Personal Investments
Topic: Savings by 30?
Replies: 45
Views: 5725

Re: Savings by 30?

I (mostly for fun) decide if I'm on track based on a spreadsheet I maintain which has my target net worth (based on a monthly savings and return % that should lead to satisfactory financial outcomes) and my actual net worth (taking a redfin/zillow type estimate for my home value): https://i.imgur.c...
by student
Sun Apr 14, 2019 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Home affordability - Can I afford it?
Replies: 22
Views: 2316

Re: Home affordability - Can I afford it?

I think 4 times the salaries is doable but it will be tight. This is not something that I would do but only you know where your priorities are and how secure your jobs are.
by student
Sun Apr 14, 2019 7:26 am
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 5772

Re: Fidelity is making it hard for my daughter to fund a Roth

For the record the problem is definitely not just Fidelity--we had the same run-around with Vanguard when opening my wife's Roth IRA there. The reason we had to jump through all these "identity verification" hoops is because A) my wife had no prior accounts at Vanguard or Fidelity, B) we were openi...
by student
Sun Apr 14, 2019 7:16 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 695
Views: 87408

Re: Post your Financial Milestone Announcements Here

are_cynic wrote:
Sat Apr 13, 2019 6:56 pm
Hit six figures in investments this week. Charlie Munger was right about this milestone. (Okay, with inflation, his comment no longer applies, but it’s nice to feel like he approves :happy )
:thumbsup
by student
Sun Apr 14, 2019 7:15 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 695
Views: 87408

Re: Post your Financial Milestone Announcements Here

tigermilk wrote:
Fri Apr 12, 2019 3:46 pm
Hit the 2 comma club 2 years ago for all investments, but come tomorrow morning I will have joined the TSP millionaires club. Missed it by about 1% last fall just before the correction.
:sharebeer
by student
Sun Apr 14, 2019 7:15 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 695
Views: 87408

Re: Post your Financial Milestone Announcements Here

BrklynMike wrote:
Sun Apr 14, 2019 6:48 am
Closed out the quarter and discovered we crossed the $500k net worth mark and that I finally hit $250k in my 401k. Took me four and a half years to hit $100k, and another four and a half years to hit $250k. Here's to the next four and a half years!
Congratulations.
by student
Sat Apr 13, 2019 8:18 am
Forum: Investing - Theory, News & General
Topic: ETFs vs. Mutual Funds ("Bogleheads Mentioned in the NYT")
Replies: 59
Views: 7999

ETFs vs. Mutual Funds ("Bogleheads Mentioned in the NYT")

I only own ETFs at Schwab and I have found them to be annoying. I cannot use them to rebalance effectively because if I sell one, the shares “are not available to trade” for several days. I realize this may be unique to Schwab, but I’ve given up on them for future use. Interesting. I have no issue ...