Search found 1435 matches

by BogleMelon
Thu Aug 23, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance - Collision premium
Replies: 12
Views: 739

Re: Auto insurance - Collision premium

FWIW I only insure for events that could affect my overall financial well-being so I do not carry collision coverage. If you are like most Bogleheads you can replace the car without it affecting you significantly. I am not saying you would like it but you could do it. Most BH are also better than a...
by BogleMelon
Mon Aug 20, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Money Market Funds vs. Online Banks
Replies: 38
Views: 3735

Re: Money Market Funds vs. Online Banks

Guys, you got me a bit confused here. I have most of my EF in Prime MM, but now it looks not that safe. So what is the next safest MM fund in Vanguard that can be used? Or do you suggest to return it back to Ally and call it a day?
by BogleMelon
Sun Aug 19, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: 'Online Banking – School Me’ 2
Replies: 27
Views: 2370

Re: 'Online Banking – School Me’ 2

Not sure if that will make you feel better, but Ally is not just a www.website.
Here is where it physically located:
1100 Virginia Dr, Fort Washington, PA 19034

Image
by BogleMelon
Sun Aug 19, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Money Market Funds vs. Online Banks
Replies: 38
Views: 3735

Re: Money Market Funds vs. Online Banks

Money is accessible via tens of thousands of ATMs worldwide , no fees. For Ally, it has to be Allpoint ATM, otherwise there are fees Ally will reimburse atm fees at least up to some limit According to Ally: There's no charge to use any Allpoint® ATM in the U.S., plus we reimburse up to $10 at the e...
by BogleMelon
Sun Aug 19, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Money Market Funds vs. Online Banks
Replies: 38
Views: 3735

Re: Money Market Funds vs. Online Banks

enterobacter wrote:
Sun Aug 19, 2018 10:46 am
I have been using Ally but have been thinking about putting some money into the money market as well. Newbie question - what type of account do ppl put this in at VG? Do you open a separate account?
Brokerage (taxable) account
by BogleMelon
Sun Aug 19, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Money Market Funds vs. Online Banks
Replies: 38
Views: 3735

Re: Money Market Funds vs. Online Banks

Money is accessible via tens of thousands of ATMs worldwide , no fees. For Ally, it has to be Allpoint ATM, otherwise there are fees Ally will reimburse atm fees at least up to some limit According to Ally: There's no charge to use any Allpoint® ATM in the U.S., plus we reimburse up to $10 at the e...
by BogleMelon
Sun Aug 19, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Money Market Funds vs. Online Banks
Replies: 38
Views: 3735

Re: Money Market Funds vs. Online Banks

RickBoglehead wrote:
Sun Aug 19, 2018 6:50 am
Money is accessible via tens of thousands of ATMs worldwide, no fees.
For Ally, it has to be Allpoint ATM, otherwise there are fees
by BogleMelon
Thu Aug 16, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: How to Underperform the Market
Replies: 48
Views: 4991

Re: How to Underperform the Market

Just one simple reason IMHO: it is impossible to predict the future. You can't tell in advance who will be the next Netflix and who will be the next Enron. It is as simple as that. The rest of the other complicated reasons are just a consequence of that one major reason. i.e: give me a crystal ball ...
by BogleMelon
Thu Aug 16, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve travel insurance
Replies: 33
Views: 3630

Re: Chase Sapphire Reserve travel insurance

I had to cancel a flight due to being forced to work when I was previously scheduled off. I called and stated my case that did not qualify for reimbursement under cancellation policy. They said I could submit and application but I just ate the $300. I could have lied but wasn’t worth it. Why go thr...
by BogleMelon
Tue Aug 14, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me to choose a bond fund
Replies: 1
Views: 258

Please help me to choose a bond fund

What would you choose (in a 401K plan) as a bond fund and why:
1- DCP STABLE VALUE (Guaranteed return currently is: 2.33%) or
2- Core Bond Enhanced Index / PGIM Fund ER: 0.25% fund fact sheet

Thanks!
by BogleMelon
Tue Aug 14, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Return Protection: Citi Doublecash
Replies: 12
Views: 1370

Re: Return Protection: Citi Doublecash

I am not sure if you have a question or you just giving us heads up about the bank practices, but I personally have 2 opposite experiences with Citi Card. 1- I disputed an amount, and the chat representative immediately honored the amount (probably the bank ate it since it was small amount) 2- I tri...
by BogleMelon
Tue Aug 14, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1154
Views: 95085

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Bonds have been underperforming lately. Are you cutting back on those too? Perhaps you should consider buying only the top performing asset classes in the last 10 years and report back in 10 years how you did. +1 OP: How about buying Bitcoins? :twisted: I know you're being sarcastic, but all the pe...
by BogleMelon
Tue Aug 14, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1154
Views: 95085

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

michaeljc70 wrote:
Tue Aug 14, 2018 11:42 am
Bonds have been underperforming lately. Are you cutting back on those too? Perhaps you should consider buying only the top performing asset classes in the last 10 years and report back in 10 years how you did.
+1
OP: How about buying Bitcoins? :twisted:
by BogleMelon
Mon Aug 13, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with 401k and 403b fund choices
Replies: 3
Views: 311

Re: Help me with 401k and 403b fund choices

PGIM Core Bond Enhanced Index Fund, ER 0.38%, appears to be an actively managed Separate Account, benchmarked to the Bloomberg Barclays U.S. Aggregate Bond Index, see this pdf . It is not an index fund. It looks like a closet index fund (see Investopedia, "closet indexing" ), meaning that although ...
by BogleMelon
Mon Aug 13, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Making money last through retirement
Replies: 26
Views: 4684

Re: Making money last through retirement

I will answer only the things that I know, and will leave the rest to others.. 1. Should I keep the Vanguard accounts as they are? Yes I've considered a more conservative mixture of stocks and bonds, but also am still open to the annuity idea. If you want an annuity then consider a SPIA. All other a...
by BogleMelon
Sun Aug 12, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with 401k and 403b fund choices
Replies: 3
Views: 311

Help me with 401k and 403b fund choices

Hi, I am trying to replicate the 3-fund portfolio using both Vanguard Roth IRA (me and spouse), my 401K and my spouse 403b. No problem of course with the Vanguard funds. Both my 401K and my DW 403b is with Prudential. I use the following 2 funds for the US stock section: In my 401K I have Dryden S&P...
by BogleMelon
Sun Aug 12, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: VMMXX vs I-Bonds vs High Yield saving account vs ... ?
Replies: 26
Views: 3283

Re: VMMXX vs I-Bonds vs High Yield saving account vs ... ?

My EF is between I bonds, and VMMXX. Keep in mind that the Ibonds consists of 2 pieces, fixed rate and variable rate. You may find this helping: https://seekingalpha.com/article/416798 ... since-2009
by BogleMelon
Fri Aug 10, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7724

Re: Rude response from boss re: market adjustment

Dottie57 wrote:
Fri Aug 10, 2018 9:26 am
I have never heard of a market adjustment. Is this a raise? In my last job, an upward change in salary was due to performance, not market.
Sure you can ask about inflation adjustment. If you had agreed on an offer of say $50K/yr in 2004, that is not $50K now! But of course they can say "no"!
by BogleMelon
Thu Aug 09, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2251

Re: Do Airlines measure checked baggages?

<snip> The personal item will be a backpack to put a DSLR and a Laptop in it. Any idea if a backpack is OK as a personal item? They are so vague in their website about that. Actually, the website seems clear on carry-on specifications: Economy Class: 1 x cabin bag with a maximum weight of 7kg and m...
by BogleMelon
Thu Aug 09, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2251

Re: Do Airlines measure checked baggages?

<snip> The personal item will be a backpack to put a DSLR and a Laptop in it. Any idea if a backpack is OK as a personal item? They are so vague in their website about that. Actually, the website seems clear on carry-on specifications: Economy Class: 1 x cabin bag with a maximum weight of 7kg and m...
by BogleMelon
Thu Aug 09, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2251

Re: Do Airlines measure checked baggages?

Etihad announced in June that they were going to be very strict with in cabin baggage (nothhing specifically about checked baggage), supposedly due to the summer season rush but probably actually to improve profitability (Etihad is not doing great, they're in their second year of large losses). Bas...
by BogleMelon
Thu Aug 09, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2251

Re: Do Airlines measure checked baggages?

Usually the ultra low cost airlines are the most aggressive in measuring bags. Also internationally (my experiences in Europe, anyhow) airlines are more aggressive in enforcing policies, especially if you are on a coach ticket. Premium seat passengers get away with a lot more. Have you seen them be...
by BogleMelon
Thu Aug 09, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2251

Re: Do Airlines measure checked baggages?

I saw it with Spirit Airlines. Weight limit was 40 pounds. The guy next to us rang up to 68 pounds. They made him remove things from the bag to come in under the limit. I remember wondering why someone going to Florida would have seemingly quarts of shampoo and conditioner. With the removal of a nu...
by BogleMelon
Thu Aug 09, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2251

Do Airlines measure checked baggages?

Travelling on Etihad from JFK. Just noticed that they have a maximum dimensions for checked luggages (70 cm x 50 cm x 38 cm). My 29" bag exceeds that total by couple of inches. I will keep the bag within the allowed weight anyways, I am only worried about the size. I have seen it before where airlin...
by BogleMelon
Wed Aug 08, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Two voices in my head
Replies: 36
Views: 2922

Re: Two voices in my head

You only got one shot, one life to invest, invest in a broadly diversified index fund and you are guaranteed your fair share and you'll do fine. to invest in a broadly diversified index fund is risky already but it is not gambling as when you gamble your money on few number of stocks. and you are g...
by BogleMelon
Tue Aug 07, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand a 'Life Income Plan' ?
Replies: 19
Views: 1926

Re: Help me understand a 'Life Income Plan' ?

It is a simple plan with these major outlines: 1- Keep paying towards it, but when you die, your heirs will only get the face insurance amount, even if you had saved 100 times than this amount in cash value! 2- Keep paying towards it, and only us (the insurance company) will decide how much to take ...
by BogleMelon
Tue Aug 07, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay for a 401k?
Replies: 32
Views: 2299

Re: Should I pay for a 401k?

That is equivalent to a front load fee of 3.8% (unless your age allows you to shot for the $24500/yr contribution in that case it would be only 2.9%)! I would do IRA/Roth IRA then the rest goes to taxable.
by BogleMelon
Tue Aug 07, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: Would buy and hold work if Japan's lost decade happens?
Replies: 64
Views: 7872

Re: Would buy and hold work if Japan's lost decade happens?

whodidntante wrote:
Sun Aug 05, 2018 6:20 pm
Some markets go to zero.
If that happen here, can I buy infinite amount of VTSMX at a price of $1? :D
by BogleMelon
Tue Aug 07, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Landlord advice needed with section 8
Replies: 38
Views: 3778

Re: Landlord advice needed with section 8

Since this is a financial forum, so I will assume you ask for a financial advice. Financially: don't renew the contract and get another tenant. $1800 will be greater than $1500! You can then donate the extra $3600/yr (or a part of it) to a charity that cares for homeless people, if that would make y...
by BogleMelon
Mon Aug 06, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Your opinion on online courses?
Replies: 26
Views: 2261

Re: Your opinion on online courses?

Bogleheads.org is a proven live example that online "education" is working just fine! :beer
by BogleMelon
Mon Aug 06, 2018 10:53 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 13840

Re: "Age in Bonds" fails almost everyone

A while ago I decided that my bond allocation is linked to my wealth not my age. I take risk and invest because otherwise I wont be able to achieve my financial goals, thus I would reduce risk as I get closer to achieving my goals. During retirement years, if for any reasons my assets became less, I...
by BogleMelon
Sat Aug 04, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: [Water leak in apartment - getting out of lease?]
Replies: 9
Views: 691

Re: not an investing question, but i need help from fellow bogleheads

ResearchMed wrote:
Sat Aug 04, 2018 12:06 pm

Then contact the Health Department for your city/town.

+1 to this
Also you can sue for hotel expenses. The management created unlivable conditions for you and you are entitled to compensation, and also you have the right to terminate the lease early
by BogleMelon
Fri Aug 03, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Where to keep emergency info
Replies: 3
Views: 304

Re: Where to keep emergency info

My password manager allows me to share passwords with anyone. I share important passwords with my wife. Let alone that all my accounts are joints and she could use her own login to access the funds (because if i am gone she shouldnt use my logins anyways to perform transactions. It would be illegal)...
by BogleMelon
Fri Aug 03, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9900

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I think if you purchase your travel using Chase Reserve Visa then your medical evacuation is covered. Not evac to home, only to nearest suitable facility. According to the CSR Benefits Guide: What are the conditions for emergency evacuation? a) Your medical condition warrants immediate transportati...
by BogleMelon
Thu Aug 02, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9900

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

So Medjet has another package that includes "Crisis response". Based on their website it includes: Members have access to our 24/7 travel security network for in-country response to a wide range of safety concerns and threats while traveling: Terrorism Kidnap for Ransom Political Threat Hijacking Na...
by BogleMelon
Wed Aug 01, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Durable Dress Shoes for Commute
Replies: 36
Views: 2379

Re: Durable Dress Shoes for Commute

Nissanzx1 wrote:
Wed Aug 01, 2018 3:04 pm
I buy all my shoes in thrift stores. You would never know.
Are they used? Aren't you worried about the previous owner's feet bacteria? :shock:
by BogleMelon
Wed Aug 01, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Deciding between life insurance companies
Replies: 6
Views: 424

Re: Deciding between life insurance companies

simplesauce wrote:
Wed Aug 01, 2018 11:36 am


Also, the agent said that we can add a rider for $6 per month, which would give us living benefits in case of major injury. What do you think of this rider?

Thank you.
The catch here is the definition of "major injury". I would opt in for a private disability insurance instead of that rider.
by BogleMelon
Wed Aug 01, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9900

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I found that my insurance company (Cigna) plan covers medical evacuations, however they said it has to be an "emergency". I think this is catch, how is going to decide if it is an emergency enough? Does your policy cover international evacuations or only domestic ones? International. That is what t...
by BogleMelon
Wed Aug 01, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9900

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I found that my insurance company (Cigna) plan covers medical evacuations, however they said it has to be an "emergency". I think this is catch, how is going to decide if it is an emergency enough?
by BogleMelon
Wed Aug 01, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9900

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Artsdoctor wrote:
Wed Aug 01, 2018 8:35 am

.. and you don't speak the language.
But what if you travel back to your home country for a short visit and the language isn't an issue? However that country have a not so reputable medical system, would you still do the evacuation insurance?
by BogleMelon
Wed Aug 01, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9900

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I see that the cost for 2 persons per one year is around $600! Is that everyone here paying for that kind of coverage? :shock: The cost of travel insurance usually depends upon the cost of the trip, and sometimes the age of the traveler (not always). And it certainly depends upon the *type(s)* of c...
by BogleMelon
Wed Aug 01, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9900

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I see that the cost for 2 persons per one year is around $600! Is that everyone here paying for that kind of coverage? :shock:
by BogleMelon
Tue Jul 31, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Index Funds - Schwab and Vanguard
Replies: 7
Views: 742

Re: Index Funds - Schwab and Vanguard

Welcome to the forum. The difference in cost between Schwab and Vanguard is really so small and won't have an impact on your overall portfolio. The total amount of assets that the fund holds also doesn't matter on investor's level unless you intend to buy the whole firm :D I have checking account wi...
by BogleMelon
Tue Jul 31, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Do you tilt value?
Replies: 12
Views: 779

Re: Do you tilt value?

Do people still believe in the value premium? I.e., do they still believe that value stocks will outperform growth stocks over the long run? I personally don't know, and I think there is no way to find out in advance. Are we in the middle of a growth / tech bubble? I personally don't know, and I th...
by BogleMelon
Tue Jul 31, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: How early to get to an JFK for international flight?
Replies: 6
Views: 410

How early to get to an JFK for international flight?

Flying international from JFK T4 (A380-800 if it matters in terms of boarding time), with checked-in luggages, 2 persons. The e-ticket in nowhere telling me when check-in or boarding begins, and how early I should be at the airport. Any advice?
by BogleMelon
Mon Jul 30, 2018 9:27 pm
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 3190

Re: The Guy with the Weird Portfolio

Why these specific sectors with those specific ratios? My 2 Favorite Blue Chips 20% So just 2 companies = 20% of your portfolio because you like the companies? Hopefully the companies are not the upcoming Kodak and Nokia. You are missing dozens of other sections (Automotive, Finance, Healthcare,..et...
by BogleMelon
Mon Jul 30, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Use attorney or software for simple will
Replies: 35
Views: 2734

Re: Use attorney or software for simple will

With only about $120K networth, and no kids, we decided to go for Willmaker. I liked the way it works. Reminded me of tax softwares. It interviews you, and you can easily change/fix names in the will at any point. It is written by lawyers already. And it follows the state laws for each state (Except...
by BogleMelon
Fri Jul 27, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard Money Market Fund Accrued Interest
Replies: 4
Views: 984

Re: Vanguard Money Market Fund Accrued Interest

IlikeJackB wrote:
Thu Jul 26, 2018 6:21 pm
Welcome to Bogleheads! Log on to your Vanguard account. Under My accounts go to Balances & holdings, click on Balances by date, scroll down to see accrued dividends.
Awesome! I have never noticed that before! Thank you!