Search found 306 matches

by Swamproot
Mon May 23, 2016 5:16 pm
Forum: Personal Consumer Issues
Topic: Which HBO show to watch next?
Replies: 72
Views: 7285

Re: Which HBO show to watch next?

Although I now have HBO, I watched Rome on dvd from Netflix. It had a special feature mode where it would put little historical factoids on the screen that I found fascinating. Like in the story there is a point where a merchant is complaining to an official about bored soldiers dumping urine pots u...
by Swamproot
Thu Dec 03, 2015 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 54952

Re: Vanguard not offering Reduced price TurboTax anymore

Hopefully TurboTax will lose clients from this and will have less money to lobby against simplification of the tax code and conveniences like prefilled tax forms.
by Swamproot
Mon Sep 08, 2014 3:57 pm
Forum: Personal Consumer Issues
Topic: Anyone have a Nest learning thermostat?
Replies: 19
Views: 2543

Re: Anyone have a Nest learning thermostat?

1. There are cheaper programmable thermostats, and cheaper units that connect to the internet. 2. I love mine. Even though it is simple as heck, my wife (somewhat of a Luddite) is too intimidated by it to mess with it, unlike our previous thermostat. The old one she would actually open up the cover ...
by Swamproot
Mon Apr 28, 2014 4:18 pm
Forum: Personal Consumer Issues
Topic: Kitchen Stand Mixer Suggestions
Replies: 30
Views: 5449

Re: Kitchen Stand Mixer Suggestions

I'm not one for status symbols BUT I dig that people who come on into my kitchen see the Kitchen Aid on the countertop, along with my Anova Soux Vide Immersion Circulator, among other things. I once saw an ad for a cover that had these pockets for the different attachments and could only think "who ...
by Swamproot
Tue Feb 25, 2014 4:01 pm
Forum: Personal Consumer Issues
Topic: New or Used Subaru Outback?
Replies: 24
Views: 9225

Re: New or Used Subaru Outback?

Subarus, like Hondas and Toyotas, hold their value pretty well. Buying used seldom makes sense unless it's purely a matter of affordability. I wouldn't buy a five year old car with 80k miles unless it was less than 1/3 the cost of a new one, not well over half the price of a new one. +1. Another co...
by Swamproot
Mon Jan 13, 2014 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Combining a Traditional IRA, a SIMPLE IRA and a 401k
Replies: 4
Views: 691

Re: Combining a Traditional IRA, a SIMPLE IRA and a 401k

Friends don't let friends combine anything with their 401k. With the Simple IRA, they can move it to a traditional IRA account, I did that with mine. I didn't have to worry about the timeline because I had it a long time, but also when a business switches to a 401k plan, I believe their old Simple p...
by Swamproot
Tue Nov 12, 2013 4:04 pm
Forum: Personal Consumer Issues
Topic: What Are Some Unwritten Rules in Your Office?
Replies: 39
Views: 5561

Re: What Are Some Unwritten Rules in Your Office?

If what coffee you leave behind is not enough for a cup, make a new pot.
by Swamproot
Fri Oct 25, 2013 3:26 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman
Replies: 53
Views: 6799

Re: Paul Merriman

I suspect this entry will not be read by many readers but still thought it would be fun to respond to your comments. I am retired. I did the PBS special without a penny of compensation. My hope is PBS got a lot of contributions from my show. Last year I started a financial education foundation that...
by Swamproot
Tue Jun 25, 2013 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Help [Fund fees for small employer plan]
Replies: 15
Views: 1302

Re: 401k Help [Fund fees for small employer plan]

Damn, there ought to be a law against this. If the plan cost your employer a cent, they are getting screwed. This plan should be totally free for them to provide. If it is not, there are other companies who would probably offer a fund lineup and ERs like this steaming pile for free. This plan makes ...
by Swamproot
Thu May 23, 2013 1:30 pm
Forum: Personal Consumer Issues
Topic: sunglasses
Replies: 109
Views: 21404

Re: sunglasses

The only thing I have to say on the subject of sunglasses is that I realized recently that I don't actually buy them.

I merely rent them for an indeterminate time before the sunglass gnomes eventually come to reclaim them in phase one of their business plan.
by Swamproot
Fri May 10, 2013 5:36 pm
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 33492

Re: How Much Did You Spend on Your Engagement Ring??

I bought my wife's as a surprise. I think that is the way it should be. In that way it is a metaphor for her husband. She is going to have the husband she gets, not the husband that she wishes for, and happy marriages happen when both partners realize that going in. If she cares about big rocks and...
by Swamproot
Thu May 09, 2013 2:10 pm
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 33492

Re: How Much Did You Spend on Your Engagement Ring??

Also, the proposal came before picking out the ring. Since the woman wears it, it should be her style choice. I've never understood buying a ring as a surprise before the proposal. If she says no (and it happens) he's stuck with it. And if she says yes, she may not like his choice. I bought my wife...
by Swamproot
Tue May 07, 2013 5:10 pm
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 33492

Re: How Much Did You Spend on Your Engagement Ring??

$1100 with the platinum upgrade, circa 1999. I wanted it in time for April Fools Day (no joke). Had I been a little slower I could have saved several hundred dollars because "April is Diamond Month!" My only other advice about diamonds is that Marquee cut diamonds LOOK so much bigger than they reall...
by Swamproot
Wed Mar 13, 2013 1:43 pm
Forum: Personal Consumer Issues
Topic: adults weekend in Savannah
Replies: 7
Views: 1236

Re: adults weekend in Savannah

Tybee Island is a 20 minute drive away and has decent beaches and a smaller bar scene right by the ocean. Good if you want something a bit more relaxed. It is also the home of a "broken arrow", an unaccounted nuke that was jettisoned from a B47 following a midair collision. They SAY it was disarmed...
by Swamproot
Thu Mar 07, 2013 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: If Your Employer Offers a 401k/403b - Allow Rollovers?
Replies: 4
Views: 906

Re: Poll: If Your Employer Offers a 401k/403b - Allow Rollov

Most larger employers are probably getting either a kickback or at least a discount of some kind for higher AUM and are likely happy to get rollovers. I think a lot of small businesses are probably paying fees based on AUM, and might otherwise. Whether additional moneys will hurt or help is probably...
by Swamproot
Tue Jan 29, 2013 4:05 pm
Forum: Personal Consumer Issues
Topic: Your most intense movie scene
Replies: 155
Views: 16532

Re: Your most intense movie scene

I have been thinking about this question and thought that I might answer it with one of the final scenes from Kirasawa's Seven Samurai. These two old Ronan who have been hired to protect this village from bandits at the beginning of the film tell each other that maybe this time by taking the job the...
by Swamproot
Wed Jan 09, 2013 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Schwab taxable
Replies: 6
Views: 1077

Re: Vanguard vs Schwab taxable

You can trade VG ETFs for free at VG, so minimums would be whatever 1 share of relevant fund is... Otherwise yes minimums for many funds are $3K but some funds are as low as $1K... Can I invest in taxable with ETF's and not have to dump 3k in to start? Correct. Just open a VG brokerage account at V...
by Swamproot
Mon Dec 17, 2012 6:37 pm
Forum: Investing - Theory, News & General
Topic: Company switched from 401k to Simple IRA (yay!)
Replies: 10
Views: 1538

Re: Company switched from 401k to Simple IRA (yay!)

The only downside to that is if you wanting to do backdoor Roth. If that's not a concern or likely to be one, then you're solid. Brian Lower contribution limit as well, $11.5k for 2012. Might not matter to the OP. It doesn't. Yet. ... The only downside is a lower yearly contribution limit, but most...
by Swamproot
Fri Nov 09, 2012 6:57 pm
Forum: Personal Consumer Issues
Topic: iPad Mini or Similar?
Replies: 34
Views: 3465

Re: iPad Mini or Similar?

I was trying to decide between the mini and full size about a week or two ago. I went with a full size iPad 2.

The deciding factor for me, (I'm already invested in the apple ecosystem with iPods and an iPhone), was that I just didn't want to deal with yet another damn cord.
by Swamproot
Thu Oct 25, 2012 12:47 pm
Forum: Investing - Theory, News & General
Topic: Merriman's advice for adding bonds over time
Replies: 65
Views: 7725

Re: Merriman's advice for adding bonds over tine

It's a silly program, and a completely unless one, if you ask me. It ignores every important financial planning consideration except age. First, how many people under the age of 40 will be able to hold onto 100% equity in a bear market? I'd optimistically guess 10%. The rest will blow out. Young fo...
by Swamproot
Fri Sep 28, 2012 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: what are your 401k fees?
Replies: 19
Views: 2812

Re: what are your 401k fees?

We are with Vanguard/Ascensus and our company picks up the fees. Currently the only thing our current participants "pay" is that we went with Investor shares, which give the company a record keeping credit to offset those costs. We moved from a plan that was taking 50 or 60 basis points on top of th...
by Swamproot
Fri Sep 28, 2012 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Researching 401(k) providers / Getting my employer to switch
Replies: 12
Views: 1823

Re: Researching 401(k) providers / Getting my employer to sw

Rupert wrote:...There probably is an investment advisor as well. That could be Hunnex, Nationwide, or someone else entirely...
I fixed that for you. :-)

I disagree about should be because in all likelihood its just another old gangster getting his beak wet.
by Swamproot
Mon Sep 17, 2012 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Building Vanguard 401k for Company - Review
Replies: 36
Views: 2458

Re: Building Vanguard 401k for Company - Review

Hi All, ... Intl Total Intl Stock Emerg Mkts Stock Intl Value Intl Explorer (Would have done SmallCap Idx here, but I don't want to have questions about the in/out fees, can always change later) We are with the Vanguard/Ascensus plan, and we were able to put VSS (FTSE All-World ex-US Small-Cap etf)...
by Swamproot
Mon Sep 17, 2012 11:46 am
Forum: Investing - Theory, News & General
Topic: "Is the Fiduciary Standard a Joke?"
Replies: 24
Views: 2477

Re: "Is the Fiduciary Standard a Joke?"

Sorry, I don't understand your post. What's a "FIRE industry?" Can you clarify? Thank you and best wishes. Taylor Wikipedia says that FIRE refers to Finance, Insurance, and Real Estate. I had thought it had something to do with one of our competitor's forums: Financially Independent, Retired Early ...
by Swamproot
Thu Sep 13, 2012 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Commission Free ETFs
Replies: 15
Views: 1971

Re: Commission Free ETFs

My brokerage offers commission free ETFs; BND and VTI being among them. How does the brokerage make money on folks trading these? Similarly, there is a brokerage who for $29 a month offers unlimited trading in stocks and ETFs through 11AM and 2PM window trades. How are they making money on this set...
by Swamproot
Tue Sep 11, 2012 5:00 pm
Forum: Investing - Theory, News & General
Topic: 401K: Advisors & Liability avoidance/reduction
Replies: 3
Views: 2402

Re: 401K: Advisors & Liability avoidance/reduction

Our committee came to the conclusion that the best thing we could do is provide a lineup of low cost index funds, plus a few active ones. I think we were comfortable doing it because if anyone at our company was going to get upset about it, it was going to be me. I would be the one railing about the...
by Swamproot
Fri Sep 07, 2012 5:58 pm
Forum: Investing - Theory, News & General
Topic: Poll - Have you received the fee disclosure information?
Replies: 22
Views: 2844

Re: Poll - Have you received the fee disclosure information?

We received ours after I forwarded the AAII newsletter that discussed the deadline for the fee disclosure. :-) Better a couple days late than never I suppose. We switched plan providers in July, I just wished we could have gotten fee disclosures from the old place before we left so everyone would kn...
by Swamproot
Thu Aug 30, 2012 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing Corporate 401k Funds
Replies: 21
Views: 1378

Re: Choosing Corporate 401k Funds

12 fund choices are not many after you include the requisite target date funds, stable value and MM. So start with 3 core funds like total stock market or S&P, total international, total bond. Then add reits and small. If there's any more room the chioces get tougher. Our plan (Vanguard/Ascensus) c...
by Swamproot
Thu Aug 09, 2012 3:30 pm
Forum: Investing - Theory, News & General
Topic: Starting a Roth IRA with <$500 -- is it worth it?
Replies: 19
Views: 6296

Re: Starting a Roth IRA with <$500 -- is it worth it?

Like where? Does she avoid getting killed by fees and commissions? Like Fidelity. No fees and no commissions if you buy certain ETFs. Charles Schwab has that too, but most people seem intimidated by brokerage accounts starting out. I didn't really have a problem with T. Rowe Price when I started, t...
by Swamproot
Wed Aug 08, 2012 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Once Again A Reason to Avoid Debit Cards
Replies: 67
Views: 6457

Re: Once Again A Reason to Avoid Debit Cards

... An aspect that may be unimportant to youngsters, but not to those of us who balance our checkbooks, this will lead to a whole bunch of entries. But worse and more important is that the money is removed, like when the utilities do it when we use autopay. That seems risky to me, but so be it... T...
by Swamproot
Tue Aug 07, 2012 1:12 pm
Forum: Investing - Theory, News & General
Topic: Conflicting Advice about Roth IRA
Replies: 9
Views: 1568

Re: Conflicting Advice about Roth IRA

Both are correct. Its more of concern when you have investment outside of a Roth. If you have taxable investments, you certainly wouldn't want high dividend payers and REITs with those. But there is certainly nothing wrong with having capital gains inside a Roth.
by Swamproot
Fri Aug 03, 2012 1:05 pm
Forum: Personal Consumer Issues
Topic: Help Me Decide If I Should Buy New or Used Car
Replies: 23
Views: 1804

Re: Help Me Decide If I Should Buy New or Used Car

Just a cautionary tale. I've never bought a new car in my life. My wife wanted a Subaru Outback for a very long time. She found a used one with very low mileage and a very reasonable price. 6 months later, the turbocharger blew and with it came an engine repair north of $9K. I so wish now that I'd j...
by Swamproot
Fri Aug 03, 2012 12:15 pm
Forum: Personal Consumer Issues
Topic: iPhone Replacement Batteries
Replies: 10
Views: 1459

Re: iPhone Replacement Batteries

ProfessorX wrote: EDIT: you can also get a battery case, for example: http://www.macworld.com/article/1160878 ... cases.html
I got mine off the daily special at Woot.com for about $20. They've ran it again a couple of times since I bought mine. Love it.
by Swamproot
Tue Jul 17, 2012 2:26 pm
Forum: Investing - Theory, News & General
Topic: Expect a Rally this week!
Replies: 8
Views: 1286

Re: Expect a Rally this week!

You never know. A couple years ago my company changed 401k providers and we were all "out of the market" for one day. Some of the guys were "glued to the tube" watching the market that day, hoping for a big down day. As it turned out, it was very close to "flat" but slightly down. Being out of the ...
by Swamproot
Tue Jul 17, 2012 2:09 pm
Forum: Investing - Theory, News & General
Topic: Expect a Rally this week!
Replies: 8
Views: 1286

Expect a Rally this week!

My 401k is all in cash because I'm in the blackout period transferring from my old 401k provider to Vanguard. It probably goes without saying there will probably be a 5% swing upwards this week, before I'm back in the market on Friday. :happy I was also amused that knowing they (the old provider) we...
by Swamproot
Mon Jul 16, 2012 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones or fee-based advisor?
Replies: 17
Views: 20135

Re: Edward Jones or fee-based advisor?

I currently invest with Edward Jones. I've met with fee-based advisors in the past. When I tell them I invest with EJ, they chuckle and ask how my American Funds are doing. I'm aware of EJs somewhat incestuous relationship with American Funds, but they seem to perform ok. At the end of the day, all...
by Swamproot
Mon Jul 16, 2012 4:19 pm
Forum: Personal Consumer Issues
Topic: Can I stop political texts to my cell phone?
Replies: 19
Views: 5043

Re: Can I stop political texts to my cell phone?

most automated systems will remove you from their list is you reply: STOP I got a phone number one time that the previous number holder had set up with AOLAlerts for stuff like football scores that I don't watch and weather for a state about 600 miles away. I tried this, and even signing up with AO...
by Swamproot
Mon Jul 09, 2012 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Diversifying away from Vanguard?
Replies: 35
Views: 4249

Re: Diversifying away from Vanguard?

mc510 wrote:... isn't it safer that we have some funds that are NOT at Vanguard, just, y'know, in case of some bizarre misfortune that might befall Vanguard?...
Seems reasonable. So just put some of your money with one of those other client owned mutual fund companies. :happy
by Swamproot
Fri Jun 22, 2012 12:33 pm
Forum: Personal Consumer Issues
Topic: Audiobook sources?
Replies: 14
Views: 1649

Re: Audiobook sources?

I have an eMusic audiobook subscription. You can get quarterly, bimonthly, and monthly plans for a set subscription rate. It is however a "use it or lose it" kind of subscription though and I think their selection is inferior to Audible. Some books require an extra "credit" to be purchased for them....
by Swamproot
Fri Jun 22, 2012 12:18 pm
Forum: Personal Consumer Issues
Topic: Your preference in media for reading: hard cover, e-books?
Replies: 35
Views: 1449

Re: Your preference in media for reading: hard cover, e-book

I prefer ebooks for recreational reading. Being able to read from a simple flat surface is great. My Kindle does not try to close itself or flip pages when my hand is not on it, the way a paper book does. I prefer hard cover for text books... +1 this ^^^. I do highlight a lot of notes on my Kindle,...
by Swamproot
Wed Jun 20, 2012 4:18 pm
Forum: Personal Consumer Issues
Topic: What Do You Use for Streaming on Your TV?
Replies: 118
Views: 16325

Re: What Do You Use for Streaming on Your TV?

I bought a Samsung Blu Ray and a Samsung with streaming availible. Previous to this I was using a hardwired Wii. The problem I encounter with the wireless appliances is that watching Netflix it is constantly rebuffering, so I just went back to the Wii. Any suggestion regarding the Netflix rebufferi...
by Swamproot
Wed Jun 20, 2012 1:23 pm
Forum: Personal Consumer Issues
Topic: What Do You Use for Streaming on Your TV?
Replies: 118
Views: 16325

Re: What Do You Use for Streaming on Your TV?

...With Roku, you only get what Roku wants you to get, meaning providers, that have signed up with Roku.... Roku player does not support youtube videos. I thought youtube wasn't available either. Its just not easily available. There are actually "private channels" that aren't promoted that you can ...
by Swamproot
Wed Jun 20, 2012 11:10 am
Forum: Personal Consumer Issues
Topic: What Do You Use for Streaming on Your TV?
Replies: 118
Views: 16325

Re: What Do You Use for Streaming on Your TV?

For the sake of completeness, Tivo is another option, especially if you'd like a DVR as well. The series 4 models can get all the netflix, you tube, amazon and other stuff with it. I still use my old series 2 though because I have one of the old Humax boxes that will burn shows to DVD. Whatever you ...
by Swamproot
Fri Jun 15, 2012 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab v. Vanguard capabilities
Replies: 13
Views: 3707

Re: Schwab v. Vanguard capabilities

... Unfortunately, the great drawback with Vanguard's web presence is there is no online sample or demo of how their site works. It's almost incomprehensible that there isn't a demo site! So I'm a bit at a loss here. I know Schwab's capabilities, but have no way at all to tell if I'd be happy with ...
by Swamproot
Wed Jun 13, 2012 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Selecting 401K Provider For New Firm
Replies: 22
Views: 2076

Re: Selecting 401K Provider For New Firm

The problem is total funds are nowhere near $100k, let alone $1M. So now I think I'm stuck either pushing for EF or trying to find a mutual fund provider who doesn't go completely insane on expense ratios. What is the business expecting to pay for a plan? If a few thousand dollars for record keepin...
by Swamproot
Wed Jun 13, 2012 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Highway robbery in 401k
Replies: 48
Views: 7878

Re: Highway robbery in 401k

.... What really amazed me about plans like this is that often the people selecting the plans also have money in them so you would think that they would want a good plan. They also probably know what an insane hassle it is to switch plans. A lot of short term misery for long term gain. Newton's Fir...
by Swamproot
Wed Jun 13, 2012 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Selecting 401K Provider For New Firm
Replies: 22
Views: 2076

Re: Selecting 401K Provider For New Firm

What are the costs like on Vanguard? The EF minimum ($1800) or so is hard for a very small company to swallow, but I may be able to argue it through. Good to hear they're back in the 401(k) business - perhaps a safe harbor could save money? Vanguard was much higher, but we thought the difference wa...
by Swamproot
Wed Jun 13, 2012 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Selecting 401K Provider For New Firm
Replies: 22
Views: 2076

Re: Selecting 401K Provider For New Firm

I work for a newly established firm resulting from a recent merger, and I have been asked to recommend a 401K provider. The factors to be considered are all of the obvious ones relating to investment fees, administrative fees and the like. However, concern about possible liability has been raised, ...
by Swamproot
Thu May 31, 2012 4:27 pm
Forum: Personal Consumer Issues
Topic: how many bogleheads drive jeep wranglers?
Replies: 40
Views: 3777

Re: how many bogleheads drive jeep wranglers?

ive been trying to decide if i want a jeep ... .. probably would get 21-22mpg.. i only put 4-5k miles a year on my car so while mileage counts, its not that huge of a deal for me .. That is hugely optimistic. Think more like 16 or 17. im looking at a 2003 with about 50k on it .. pretty much a stock...
by Swamproot
Tue May 22, 2012 2:24 pm
Forum: Investing - Theory, News & General
Topic: Investment News Arcticle: Cost stance at Vanguard lures cash
Replies: 15
Views: 1643

Re: Investment News Arcticle: Cost stance at Vanguard lures

... Finally, there are just way too many billions (or trillions) of dollars at state for the active management industry to give up and throw in the towel. ... Made me think of: "Out there is a fortune waiting to be had, If you think I'll let that go, you're mad, You've got another thing coming ." -...