Search found 753 matches

by sco
Thu Jan 11, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Lease a Silverado 4x4 extended cab for $152 month?
Replies: 23
Views: 2774

Re: Lease a Silverado 4x4 extended cab for $152 month?

Is there additional details that you can provide?
by sco
Wed Jan 10, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Lease a Silverado 4x4 extended cab for $152 month?
Replies: 23
Views: 2774

Re: Lease a Silverado 4x4 extended cab for $152 month?

Post some details on this, would you :)
by sco
Wed Jan 10, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Forgot to make my $5500 contribution for 2018
Replies: 36
Views: 5070

Re: Forgot to make my $5500 contribution for 2018

Missing out on 2-3% of $5500 bothers you that much?

Put it in today, and skip the insta-pot
by sco
Mon Jan 08, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Is it time for me to get my 401K out of the stock market?
Replies: 24
Views: 4399

Re: Is it time for me to get my 401K out of the stock market?

I think you should leave well enough alone. There's nothing wrong with 40/60 like yours. Aiming for $125k annually you are in very good shape. (73k pension, ~20k SS, and a nice pot of 1.8mil in reserve). Your stock portion will help counter inflation. Retire, and start to spend your money. That's w...
by sco
Wed Jan 03, 2018 12:56 am
Forum: Local Chapters and Bogleheads Community
Topic: Kansas City Diehard Group
Replies: 36
Views: 11997

Re: Kansas City Diehard Group

Interested in the group
by sco
Sun Dec 31, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: 403b Plan w/not great options. Is BASMX decent enough to survive on?
Replies: 8
Views: 480

Re: 403b Plan w/not great options. Is BASMX decent enough to survive on?

.33% is really pretty good compared to a lot of people’s options. If that is the total you are paying, I’d use it in a heartbeat.
by sco
Thu Dec 28, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis of shares from converted RSUs
Replies: 7
Views: 1030

Re: Cost basis of shares from converted RSUs

I also complicated the matter by doing an in kind transfer from the brokerage my employer used for everyone, Fidelity, to Vanguard. Today I see transfer included cost basis information so Vanguard has it on record. As for the taxes, Fidelity sold off 50% of the shares for tax withholdings. meh. I c...
by sco
Thu Dec 28, 2017 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Should we downsize?
Replies: 42
Views: 3396

Re: Should we downsize?

If there was a house next door that you "almost" loved as much, then my opinion may be different... But for now, don't sell and don't move. You can afford the house, you like it and you like the neighborhood. How would you feel if you bought the other house (cheaper or not), and hated the neighborho...
by sco
Wed Dec 27, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis of shares from converted RSUs
Replies: 7
Views: 1030

Re: Cost basis of shares from converted RSUs

Can’t you just check the transaction history when they were put into your brokerage account? This should also show the commissions if any, paid... I track these in a separate spreadsheet.
by sco
Tue Dec 26, 2017 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Where to save/invest $4.7k per month for next 10 years
Replies: 16
Views: 3057

Re: Where to save/invest $4.7k per month for next 10 years

Thanks all - will contact the mortgage company today. About what? Just checking how to make the overpayments and ensure they are correctly applied. Do you pay online or with a check/coupon? Always good to check I supposed, but normally there is an option for "Apply to principal". What I do I do an ...
by sco
Tue Dec 26, 2017 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Liability Car Insurance Only?
Replies: 10
Views: 1102

Re: Liability Car Insurance Only?

I drove a 2003 Civic up until a month ago. 5 years ago, I decided to drop comp/collision, as it saved me about $600 per year. I did this because I knew the car wouldn't be valued at more than $5,000, and I could easily cover a new car. Last month, I was hit by an uninsured driver -- I hadn't really...
by sco
Tue Dec 26, 2017 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Where to save/invest $4.7k per month for next 10 years
Replies: 16
Views: 3057

Re: Where to save/invest $4.7k per month for next 10 years

Thanks all - will contact the mortgage company today. About what? Just checking how to make the overpayments and ensure they are correctly applied. Do you pay online or with a check/coupon? Always good to check I supposed, but normally there is an option for "Apply to principal". What I do I do an ...
by sco
Tue Dec 26, 2017 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k Plan Provider: Fund Lineup Selection
Replies: 5
Views: 521

Re: New 401k Plan Provider: Fund Lineup Selection

Yes, it is adequate. The .75% is a shame, but you are still better fair off than a many people at less than 1% all in..
by sco
Tue Dec 26, 2017 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Where to save/invest $4.7k per month for next 10 years
Replies: 16
Views: 3057

Re: Where to save/invest $4.7k per month for next 10 years

confused1 wrote:
Tue Dec 26, 2017 9:12 am
Thanks all - will contact the mortgage company today.
About what?
by sco
Fri Dec 22, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Getting Charged a High Management Fee at Wells Fargo
Replies: 49
Views: 3628

Re: Getting Charged a High Management Fee at Wells Fargo

It may seem like a lot of work now, but once you’ve determined your asset allocation and 3 fund portfolio, you should not spend more than an hr a year working on your portfolio. Your advisor probably isn’t either..
by sco
Wed Dec 20, 2017 1:12 am
Forum: Personal Consumer Issues
Topic: "Breaking the seal" on more expensive travel
Replies: 38
Views: 4730

Re: "Breaking the seal" on more expensive travel

No question on the Business class seats. It is still a long flight
by sco
Tue Dec 19, 2017 11:32 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 12973

Re: Best 401k Employer Match Structure

The key is the vesting, Throw in a 3-5 year vesting and new young employees aren’t going to be as excited. 100% match up to 6% 1 year vesting until you have 1 year with the company, after that it is vested immediately. They used to lump sump a profit sharing as well, not anymore. It has varied over ...
by sco
Mon Dec 18, 2017 12:19 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 19309

Re: Save all this money, what do you splurge on?

Guns...lots of guns... I just went hunting and loved it and I am debating buying a long range bolt action gun for $500-900 Thankfully guns hold their value or appreciate slightly As a boglehead, I am assuming you have figured out that you do not want to actually purchase at Cabelas or Bass Pro. For...
by sco
Sun Dec 17, 2017 11:49 pm
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 64
Views: 7084

Re: Any of you trade just a little as a hobby?

Used to a long time ago. Now I find it much easier to be lazier and still see #'s increasing..
by sco
Mon Dec 11, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Danger of being a helicopter pilot?
Replies: 40
Views: 4664

Re: Danger of being a helicopter pilot?

Don't run out of gas. Then you have greatly increased your odds. ;)

If you want to do it, do it. Risks can be managed by someone that recognizes and understands them.
by sco
Sun Dec 03, 2017 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 113
Views: 11794

Re: GE - a good value?

GE has the commercial Jet market's Engines for the moment. All it takes is a lower price to change that.

They do not have the part 135/91 Turbine Business locked down as well.
by sco
Fri Dec 01, 2017 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell some of my Berkshire stock
Replies: 34
Views: 4087

Re: Should I sell some of my Berkshire stock

We have one share of BRK.A remaining. Our heirs are going to enjoy the stepped up basis. It is our only voluntary exposure to an individual stock (we don’t have any say on unvested RSUs). It has done well for us, but so has PRIMECAP and TSM. OP, I would tax gain harvest as much as you can, but save...
by sco
Thu Nov 30, 2017 12:15 am
Forum: Personal Finance (Not Investing)
Topic: How much home can we afford?
Replies: 29
Views: 2293

Re: How much home can we afford?

How much are you planning on putting down for this house? How much excess do you have in your monthly budget + the rent you currently pay, do you have to fund this mortgage?

The Mortgage Deduction is often overrated, perhaps not in this case. But it often is..
by sco
Wed Nov 29, 2017 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 33
Views: 4648

Re: Dental bill four years after service

Call them and say "You realize that that I have no documentation anymore to backup your claim of payment due?" See what they say, and what they can produce, including the response from the insurance company. Put it back on them, let them spend the hours on it.
by sco
Wed Nov 22, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 40
Views: 4816

Re: Your favorite Costco wines?

You can also go in anytime, with a gift card purchased by a member. This loophole does *not* allow you to buy alcohol and some other items such as glasses/contacts. At least, that's what my Costco told me multiple times. How odd. Must be some state law about buying booze with Gift cards? It is done...
by sco
Tue Nov 21, 2017 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 14614

Re: Help DW gets fired, but then next day her boss offers her job back

Mike Scott wrote:
Tue Nov 21, 2017 9:37 pm
I would seriously question going back to this job/boss at any salary.
I agree completely. If they truly had someone lined up that was just cheaper, well why would you go back to that?
by sco
Tue Nov 21, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Planning for the final months of work
Replies: 50
Views: 4307

Re: Planning for the final months of work

Keep in mind that if you need real investment advice you can also simply right a check and get it on an hourly basis anytime you would like, for far less what you are paying yearly. It would not be typical for someone to need this level of advice yearly, just maybe an hour or two consult if even tha...
by sco
Tue Nov 21, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Planning for the final months of work
Replies: 50
Views: 4307

Re: Planning for the final months of work

Why don't you just post your list of funds/tickers with the ERs?
We don't need to know $$$ amounts or anything.
by sco
Tue Nov 21, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Planning for the final months of work
Replies: 50
Views: 4307

Re: Planning for the final months of work

1.3% would be the AUM fee. Vanguard is charging .3% I believe for PAS service. This is just the charge to manage assets, this is not the total cost. AUM=Assets Under Management So then how much are you charged on the funds themselves, they will have an annual expense ratio? All funds and ETF's have ...
by sco
Tue Nov 21, 2017 12:07 am
Forum: Investing - Help with Personal Investments
Topic: Planning for the final months of work
Replies: 50
Views: 4307

Re: Planning for the final months of work

Your best bet is going to ditch Edward Jones. You don't have to go to Vanguard, there are others. But before doing anything you do need to do a fair amount of reading. Understand that you won't get straight answers out of EJ. 11% is fine for the year, but does that include all your costs? Are you su...
by sco
Mon Nov 20, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 7328

Re: How much do you budget for vacation?

I've spent $1700 to take a family of four first class to the carribean for a week. And I've spent 10k on two big vacations for the year.
It has always been somewhere between those two numbers. I don't count weekend getaways, we don't do a lot of those right now.
by sco
Mon Nov 20, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 7328

Re: How much do you budget for vacation?

Speaking of vacations, does anyone else struggle with feeling some remorse due to the carbon footprint created from traveling? Nope, the planes and trains are going whether you are on it or not. My company travel agent does allow me to purchase carbon credits as part of my travel, of course I can't...
by sco
Mon Nov 20, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 40
Views: 4816

Re: Your favorite Costco wines?

I grab anything rated in the 90's under $15. I have had many outstanding wines. I no longer buy wine anywhere else. PS you don't have to be a member. Interesting. How does one buy wine at Costco without being a member? You can use the eye doctor, buy alcohol, and pharmacy without a membership due t...
by sco
Fri Nov 17, 2017 11:05 pm
Forum: Personal Consumer Issues
Topic: Upgrading a flight - what are your rules?
Replies: 40
Views: 4190

Re: Upgrading a flight - what are your rules?

Upgrading to me doesn't involve $$$ it involves MIles, so it is tilted more towards the lower end. Me by myself > 5 hrs I'd like an upgrade. Same with the wife. With kids, it depends on the plane and the trip. What good is upgrading if you can't be near each other? I've done numerous trips in first ...
by sco
Fri Nov 17, 2017 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Variable Annuity Help - Parent's finances
Replies: 46
Views: 2658

Re: Variable Annuity Help - Parent's finances

Just reading all this confusing discussion should be enough to discourage anyone considering purchasing a new Variable annuity. I can't even understand all the options that the OPs parents have at this moment. It is intentionally created to be confusing.. Look good, and hide the fees.
by sco
Thu Nov 16, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: Is treating all accounts as one bucket really simpler
Replies: 21
Views: 3188

Re: Is treating all accounts as one bucket really simpler

I have 1 account that has multiple holdings. All other accounts have 1 single fund.

For me this makes rebalancing easier, and yes there are tax benefits.

Having a spreadsheet makes rebalancing a 5 minute job.
by sco
Wed Nov 15, 2017 9:46 am
Forum: Investing - Theory, News & General
Topic: CVS Health 401k plan change- FYI
Replies: 7
Views: 1840

Re: CVS Health 401k plan change- FYI

So I guess those making over $370k per year won't be able to get the full match. 5% would hit the 18,500 yearly cap. 5% Contribution + 5% Match = ?????? The yearly IRS cap is on Contributions, not matches. The Matches would be limited by not being able to do 5% each paycheck, at least not all year....
by sco
Wed Nov 15, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: CVS Health 401k plan change- FYI
Replies: 7
Views: 1840

Re: CVS Health 401k plan change- FYI

So I guess those making over $370k per year won't be able to get the full match. 5% would hit the 18,500 yearly cap. Participants in a 401k plan cannot receive benefits on compensation over $275k for 2018. If the matching formula is 100% of deferrals up to 5% of compensation, the maximum matching c...
by sco
Wed Nov 15, 2017 1:16 am
Forum: Investing - Theory, News & General
Topic: CVS Health 401k plan change- FYI
Replies: 7
Views: 1840

Re: CVS Health 401k plan change- FYI

So I guess those making over $370k per year won't be able to get the full match. 5% would hit the 18,500 yearly cap.
by sco
Tue Nov 14, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options (high fees!)
Replies: 26
Views: 1715

Re: Wife's 401k investment options (high fees!)

Also consider how long she will be at this job. If she is only there 5-10 years, I probably wouldn't bother bringing it up. Over 30-40 years it could add up. Of course they will likely change their provider during that time anyway..
by sco
Tue Nov 14, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 4407

Re: What's your weighted average expense ratio?

5 basis points, on average. The majority of my assets (Total Stock Market) is at 3 1/2 basis points, with International being the most expensive at 10 basis points.
by sco
Sat Nov 11, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 19776

Re: Flying first class, business, versus economy.

Look into gathering Miles for the upgrades too. Not always a sure thing, but often you can buy a economy ticket (perhaps not the cheapest) and upgrade to business. Great use in my opinion. Or just spend the miles on a pure business or first ticket, you may need several thousand miles. Check out flye...
by sco
Sat Nov 11, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: 450,000 American Airlines MILES gifted to me - how to book
Replies: 25
Views: 2737

Re: 450,000 American Airlines MILES gifted to me - how to book

He can book trips for anyone he would like. He can will them to you, make sure the paperwork is in order.

Don’t pay to gift them, this rarely makes sense to do.
by sco
Sat Nov 11, 2017 1:14 am
Forum: Investing - Help with Personal Investments
Topic: Criticize my portfolio please but have mercy on me
Replies: 21
Views: 2741

Re: Criticize my portfolio please but have mercy on me

You don't have a 400k Emergency fund... You have a 200k Emergency Fund, and 200k set aside for your next house within a year. You could change this, but this is what you have told us so far. What are your actual annual expenses? I guess 400k could be appropriate, but so could 60k... Do I understand ...
by sco
Sat Nov 11, 2017 12:21 am
Forum: Personal Consumer Issues
Topic: How to buy a new car with a trade-in.
Replies: 24
Views: 2063

Re: How to buy a new car with a trade-in.

I would never tell you to make sure that engine light fails, before you traded it in..
by sco
Thu Nov 09, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Term Life - Time to cancel?
Replies: 33
Views: 3512

Re: Term Life - Time to cancel?

That certainly isn't Term insurance, you've paid a lot over the years for that Dividend "discount" on a rather inflated rate. It is renewable term. When I started, it was $642 a year for $767,000 of coverage. If it is really term, I'd shop for a better rate if you determine that you still need the ...
by sco
Thu Nov 09, 2017 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insruance Payment
Replies: 29
Views: 2047

Re: Auto Insruance Payment

Geico lets you pay 6 months on your card.


And you should shop it every year or two, it changes..
by sco
Wed Nov 08, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life - Time to cancel?
Replies: 33
Views: 3512

Re: Term Life - Time to cancel?

That certainly isn't Term insurance, you've paid a lot over the years for that Dividend "discount" on a rather inflated rate.