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by DualIncomeNoDebt
Thu May 21, 2015 1:02 pm
Forum: Personal Consumer Issues
Topic: A trip to Disney World - What are the best days during Christmas time?
Replies: 33
Views: 1623

Re: A trip to Disney - What are the best days during Christmas time?

Will the fact that we will be staying at a resort inside the Disney make a difference? No. The boats and monorails will be jammed. The only benefit is you won't have to exit the parking lot (which is a significant benefit). Your time period is the absolute worst time to go. You will be paying $105 ...
by DualIncomeNoDebt
Thu May 21, 2015 12:51 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 3596

Re: Put money down on new car, dealer wants color change

retire2044 wrote:We recently put $1000 earnest money down to purchase a 2015 Nissan Pathfinder. We had reached a price agreement for the new vehicle, and the money allowed them to finalize the search for the vehicle we requested.


Never do this.
by DualIncomeNoDebt
Sat May 16, 2015 5:21 pm
Forum: Personal Consumer Issues
Topic: Huge Problem With First Home
Replies: 28
Views: 4790

Re: Huge Problem With First Home

I feel totally screwed on my first home. The truth is, you did get screwed. Do I have any recourse? Start here . You need to look over every single sentence of all documents associated with your home purchase, as well as the inspection report(s) -- and especially any waivers and disclaimers in any ...
by DualIncomeNoDebt
Fri May 15, 2015 4:04 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6574

Re: Aren't we overdoing electronic auto safety features?

Is this a case of over-insuring against minuscule risk, and a case of auto companies finding a new way to capitalize on fear and paranoia to increase their profits? No. And even if it is, I still want more electronic safety features. Why? Because so very many people are stupid -- that's why. I see ...
by DualIncomeNoDebt
Fri May 15, 2015 4:03 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6574

Re: Aren't we overdoing electronic auto safety features?

Is this a case of over-insuring against minuscule risk, and a case of auto companies finding a new way to capitalize on fear and paranoia to increase their profits? No. And even if it is, I still want more electronic safety features. Why? [OT comment removed by admin LadyGeek] Many don't pay any at...
by DualIncomeNoDebt
Sun May 10, 2015 6:25 am
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 3464

Re: Do banks take loose coinage?

Do banks still take loose coinage without charging you a fee like Coinstar? They used to, but it's been ages since I've done that. Get an account at a local credit union that has a coin sorter, and offers access to it free for customers. The way it works is, you go to the machine, insert your debit...
by DualIncomeNoDebt
Sun May 10, 2015 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Frugality Reinforced - The Millionaire Next Door
Replies: 84
Views: 12517

Re: Frugality Reinforced - The Millionaire Next Door

and generally don't care what others think , but I cannot deny that I sometimes feel a little self-conscious about it. I wonder sometimes if new acquaintances or friends whom I haven't seen in a while will speculate about my financial situation . . . . I admit this was purely out of self-consciousn...
by DualIncomeNoDebt
Tue Apr 28, 2015 3:42 am
Forum: Personal Finance (Not Investing)
Topic: Best way to sell a used wedding ring?
Replies: 18
Views: 2172

Re: Best way to sell a used wedding ring?

Jewelry = ripoff. Buy a piece at retail, then turn right around and attempt to sell it at another jewelry store. You'll be lucky if you're offered 10% of the price you paid not five minutes ago.
by DualIncomeNoDebt
Thu Apr 23, 2015 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 7519

Re: Marriage and splitting expenses

^ That sounds like a good plan. My lady and I have our own accounts as well, and our trust is absolute. That is the important piece. We both do basically whatever we want. None of this "checking in" nonsense. I cringe when I see these "I need to check with my spouse" posts; who t...
by DualIncomeNoDebt
Tue Apr 14, 2015 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 56
Views: 7979

Re: Don't come to Europe with a new chip and sign credit car

United States banks are cheap and stupid. Chip + user-entered pin are superior to chipsig. Chase Sapphire recently started mailing these revamped chip-signature cards. Good to know they are worthless overseas. What a waste of time and money, when they should have implemented chip-pin correctly in th...
by DualIncomeNoDebt
Sat Apr 11, 2015 12:35 am
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5301

Re: On a budget and Friday night

Question for the rich folks, what fun things you and your family do Friday night? Avoid crowds, avoid annoying people, and avoid anything to do with children. Crowded event, pretty much automatically skip it. Exclusive or invitation-only event, we may attend. Or not. Also, we make many last-minute ...
by DualIncomeNoDebt
Sun Apr 05, 2015 7:31 pm
Forum: Personal Consumer Issues
Topic: Sunglasses $6 to $200
Replies: 30
Views: 2950

Re: Sunglasses $6 to $200

Get Maui Jims, with glass lenses, preferably polarized. I personally think they are the best out there that are reasonably available to consumers. They have great lenses, great performance, look excellent -- and because the lenses are glass, you can clean them vigorously with plain soap, water, and ...
by DualIncomeNoDebt
Tue Mar 31, 2015 2:29 am
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 9037

Re: Did you learn anything from 2008?

Don't believe people when they tell you they can "stay the course." Look up "Plan B" and related Boglehead posts from around that time. Eye-opening.
by DualIncomeNoDebt
Fri Mar 27, 2015 3:46 am
Forum: Personal Consumer Issues
Topic: WSJ Delivery Record - Dismal
Replies: 25
Views: 2052

Re: WSJ Delivery Record - Dismal

Online edition of WSJ is great. iPad WSJ app is fantastic. Why put up with this nonsense when you can have the content sent to you digitally, instantly, and carry it with you everywhere on your preferred device, be it desktop, laptop or tablet? Also, newsprint already is dead. Just a matter of time ...
by DualIncomeNoDebt
Thu Mar 12, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: Ink Cartridges dry up on seldom used printer, any ideas?
Replies: 32
Views: 1941

Re: Ink Cartridges dry up on seldom used printer, any ideas?

Laser. Monochrome. Powder polymer toner. Problem solved.
by DualIncomeNoDebt
Wed Mar 11, 2015 8:54 pm
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 52
Views: 5142

Re: What internet speed is fast enough?

Be aware bandwidth is one thing. But another important determinant is latency. Lower latency is much better, and a higher latency may be associated with some of your issues, though of course it may also be the 6/1 speeds, or your location on the trunk and worsening performance as neighbors suck up m...
by DualIncomeNoDebt
Wed Mar 04, 2015 3:04 am
Forum: Investing - Theory, News & General
Topic: Wondering how to convert to Admiral Shares?
Replies: 13
Views: 1632

Re: Wondering how to convert to Admiral Shares?

How to convert? Answer: add money.
by DualIncomeNoDebt
Wed Mar 04, 2015 3:01 am
Forum: Personal Finance (Not Investing)
Topic: Not Interested in Ever Owning Real Estate
Replies: 35
Views: 3595

Re: Not Interested in Ever Owning Real Estate

I was wondering how many of you have reached your long term retirement/savings goals without every owning any real estate? Older than you, no kids. High cost of living area. I think you've been given some good advice, especially rent now, buy later. My experience in an expensive locale is, we saved...
by DualIncomeNoDebt
Sat Feb 28, 2015 8:59 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 30
Views: 2740

Re: iPhone upgrade

Tried Android phones. Hated the software, not nearly as robust as iOS, had multiple crashes, hangs, flaws, problems. Further, most Android manufacturers are terrible with support. Samsung and LG, for example, provide almost no updates for the phones past a year. PITA trying to upgrade to the latest ...
by DualIncomeNoDebt
Thu Feb 12, 2015 2:52 am
Forum: Personal Finance (Not Investing)
Topic: Renting after retirement - how to meet income requirements?
Replies: 31
Views: 3455

Re: Renting after retirement - how to meet income requiremen

They were unwilling to supply any other info. . . . We turned them down because of the inability to supply sufficient documentation. This is your right, of course, but there are citizens with significant assets who simply refuse to provide detailed financial records -- and I don't blame them. Many ...
by DualIncomeNoDebt
Tue Feb 10, 2015 2:33 am
Forum: Investing - Help with Personal Investments
Topic: Multiple Account Breakdown for Early Retirement?
Replies: 8
Views: 981

Re: Multiple Account Breakdown for Early Retirement?

As an aside, the 10% penalty withdrawals disgust me to no end. Yes, I understand the purported reason, don't blow retirement money on frivolity. But why should responsible savers and early retirees have to forfeit 10% of their savings to access their own money on an accelerated time schedule befitti...
by DualIncomeNoDebt
Tue Feb 10, 2015 2:18 am
Forum: Personal Finance (Not Investing)
Topic: Amica burned me, now what...
Replies: 43
Views: 5092

Re: Amica burned me, now what...

Second, is the concept of preferred risk applicable to mutual insurance companies? Yes. In theory, mutual insurance companies are analogous to credit unions in that there's an implied social benefit/non-preferred element to their structure by design. No, not analogous. Although credit unions may be...
by DualIncomeNoDebt
Mon Feb 02, 2015 5:36 pm
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 6546

Re: First Time Dog Owners -- Any Regrets?

Cynic's perspective. We live in a gated community that has it's own dog park, a large grassy field with benches and wide open space beyond that. Plus there are dog "disposal" bags and pails all over the place. I see lots of people walking dogs in the neighborhood -- and not all of them loo...
by DualIncomeNoDebt
Mon Feb 02, 2015 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Met a Vanguard basher TransAmerica Insurance pusher
Replies: 41
Views: 4949

Re: Met a Vanguard basher TransAmerica Insurance pusher

mountainman99 wrote:at a friend's super bowl party . . . We got to talking about finances"


Host needs higher quantity and quality alcohol.
by DualIncomeNoDebt
Sat Jan 31, 2015 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Take the job?
Replies: 68
Views: 2690

Re: Take the job?

Take the job. Hurricanes aren't an issue unless you are right on the water or live on the the oceanfront sand barriers. I also suggest you watch the recent PBS special on sinkholes -- and don't buy a home in any sinkhole-prone areas.
by DualIncomeNoDebt
Tue Jan 13, 2015 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6484

Re: Dazed, Confused and Upset

[OT comment removed by admin LadyGeek]
by DualIncomeNoDebt
Mon Jan 12, 2015 3:23 am
Forum: Personal Finance (Not Investing)
Topic: Two Homes in Retirement?
Replies: 38
Views: 3672

Re: Two Homes in Retirement?

For anyone with experience in buying/selling condo's, would you buy or would you lease a condo that might be only semi-permanent- maybe changing every 2-3 years? You'll be flushing money down the toilet if you are flipping condos every few years. Not to mention the taxes and common charges will rea...
by DualIncomeNoDebt
Sun Jan 11, 2015 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes by hand
Replies: 64
Views: 5135

Re: Doing my taxes by hand

The point, I think, is to learn which items have the biggest impacts . . . and then to use that knowledge going forward to make investment and other financial decisions Hence why spreadsheets were invented with the dawn of the computer. And tax software is nothing more than a spreadsheet with a pre...
by DualIncomeNoDebt
Sun Jan 11, 2015 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Saved for Down payment, but decided against house
Replies: 5
Views: 600

Re: Saved for Down payment, but decided against house

As of Jan. 8, the 6mo T is paying .08%, or basically $120. The 1yr is paying 0.23%, or $345. Bottom line, with this relatively small amount of money, on a six month or one year time frame, at current Fed rates -- it's worth neither the risk nor the effort to explore anything other than a savings acc...
by DualIncomeNoDebt
Fri Jan 09, 2015 12:55 am
Forum: Investing - Help with Personal Investments
Topic: I have to leave Ameriprise
Replies: 22
Views: 3382

Re: I have to leave Ameriprise

This portfolio is terrible. You would have been better with front- or back-end loads, versus this C-class fee pillaging which continues in perpetuity. Unsurprising, however, given the parent "advisor."
by DualIncomeNoDebt
Thu Jan 08, 2015 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Rate vs. FUN
Replies: 43
Views: 3604

Re: Savings Rate vs. FUN

I'd search the forum, this has come up many, many times. The pro and con points usually fall along this continuum: live a little; you can't take it with you; you'll be bored with it after a year; it's a waste to have capital tied up sitting in your driveway (cars are parked ~96+% of their useful lif...
by DualIncomeNoDebt
Tue Dec 23, 2014 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: [Getting Sued for] Malpractice
Replies: 46
Views: 5185

Re: [Getting Sued for] Malpractice

john94549 wrote:we can debate the merits (or lack thereof) of many initiatives in our Golden (or not) State, but one tends to veer off into politics.


I'll leave it there. But there most certainly is another side to the story besides an individual doctor's wallet.
by DualIncomeNoDebt
Tue Dec 23, 2014 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: [Getting Sued for] Malpractice
Replies: 46
Views: 5185

Re: Malpractice

I am grateful for the 250K limit on noneconomic losses and glad the trial lawyer driven proposition didn't pass earlier this year. But I imagine that it wouldn't be hard to cross the 1M mark in economic losses. Imagine a pediatric sepsis case missed, for example. The life-long cost of caring for th...
by DualIncomeNoDebt
Tue Dec 23, 2014 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me back from the edge
Replies: 37
Views: 4086

Re: Talk me back from the edge

OP, the chart you linked is ridiculous. It tells you very little -- it doesn't even tell you if the reported "results" are net of costs and fees. And the "standard deviation" is a piss-poor barometer of credit and market risk. If they gave you additional disclosures concerning th...
by DualIncomeNoDebt
Tue Dec 23, 2014 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: [Getting Sued for] Malpractice
Replies: 46
Views: 5185

Re: Malpractice

If you are married and own a house in your name plus your wife's name, does that offer some sort of protection? Because if your wife also owns the house, then it can't be forked over because she was not at fault. Is this true? Short answer: no. Unquestionably, community property can be seized. If j...
by DualIncomeNoDebt
Tue Dec 23, 2014 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: [Getting Sued for] Malpractice
Replies: 46
Views: 5185

Re: Malpractice

An extremely simplified answer is yes, personal assets can be seized to satisfy any type of judgement, including medical malpractice, and it is not necessarily the case retirement accounts are protected. But it almost never is as cut-and-dry as your premise. Today most doctors are part of large insu...
by DualIncomeNoDebt
Sun Dec 21, 2014 9:46 pm
Forum: Personal Consumer Issues
Topic: Who should pay for this meal?
Replies: 79
Views: 8325

Re: Who should pay for this meal?

Venmo was created to address this. https://venmo.com/. Works great. Reclaim your hipster cred.
by DualIncomeNoDebt
Sun Dec 21, 2014 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Pay Cash for my home?
Replies: 49
Views: 4248

Re: Do I Pay Cash for my home?

I absolutely would pay cash. Screw the banks. You'll save a ton on fees, and can tell them to pound sand when it comes to the document proctology exam you will avoid. Never paying some parasitic bank mortgage interest and/or PMI = priceless. In addition, people with mortgages aren't homeowners, they...
by DualIncomeNoDebt
Thu Dec 18, 2014 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 42
Views: 4133

Re: VWINX declining, any ideas why?

Every year this question arises, without fail.
by DualIncomeNoDebt
Wed Dec 17, 2014 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to move inheritance from high-fee advisor
Replies: 30
Views: 3132

Re: Looking to move inheritance from high-fee advisor

and inherited approximately $1M. . . . I've done a reasonable job (returns wise, though I wish more was in 401ks) managing my own investments by plunking them in a Vanguard fund, but I'm admittedly scared of messing around with such a large sum of money. Whether its $100k, $1MM, or $10MM, the same ...
by DualIncomeNoDebt
Tue Dec 09, 2014 9:41 pm
Forum: Personal Consumer Issues
Topic: Advise on getting out of car lease
Replies: 3
Views: 577

Re: Advise on getting out of car lease

And also, if the personal who takes over the lease default, I am still liable to pay the monthly lease!


As a general matter, no. Once the lease is transferred, all rights and obligations are transferred to the lessee.
by DualIncomeNoDebt
Sat Dec 06, 2014 4:00 pm
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3628

Re: Family jewels, kind of.

I don't care if they offered me 75% off. I'd be setting the tone for my marriage right from the get-go, and that would start by getting the rock you want, on your own, with your money, and without any meddling by family. Your purchase, your decision (along with your new bride's input). Set the tone,...
by DualIncomeNoDebt
Sat Dec 06, 2014 12:26 am
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5917

Re: mother-in-law wrecked our car

While perhaps not an insignificant sum to the OP, to put this in perspective, a sub-$30k auto accident is run-of-the-mill for any insurance company. You'll likely have a single claims investigator/adjustor on the whole thing; the insurance company legal department will hardly care. Truth. Insurance ...
by DualIncomeNoDebt
Sat Nov 29, 2014 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: [woke up] and whole life has changed. [disabled vet]
Replies: 26
Views: 6942

Re: Ever wake up one day, and your whole life has changed? (

OT comment. I've been surprised at reasonable-quality firearms maintaining value. I would have thought modern guns would suffer massive depreciation like cars, computers, and furniture. But it simply isn't the case. Glock and S&W handguns, Benelli and Browning shotguns, for example, are still da...
by DualIncomeNoDebt
Sat Nov 29, 2014 9:15 pm
Forum: Personal Consumer Issues
Topic: Swap a lease?
Replies: 3
Views: 669

Re: Swap a lease?

Lease swaps can be good. Try to get something local so you can look it over; there's more risk with out-of-state leases getting transported to you. A big subsidy payment is nice, so I'd take a hard look for the good deals where someone absolutely needs to get rid of a newer-model car with decent mil...
by DualIncomeNoDebt
Thu Nov 20, 2014 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Bit the Bullet Selling Wellesley buying bonds and VTSAX
Replies: 5
Views: 1459

Re: Bit the Bullet Selling Wellesley buying bonds and VTSAX

Not so - if you fail to deliver funds to settle the trade, I assure you - you will be receiving a phone call, if you don't answer it, they might cancel the trade and could come after you for compensation if the market moves against the position. It's not so cut and dried, when you don't deliver the...
by DualIncomeNoDebt
Thu Nov 20, 2014 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Bit the Bullet Selling Wellesley buying bonds and VTSAX
Replies: 5
Views: 1459

Re: Bit the Bullet Selling Wellesley buying bonds and VTSAX

May I ask if anyone from VG actually contacted you afterwards, simply to confirm that you launched these large transactions? Nothing a personal Vanguard investor does is "large," unless you are Gates, Buffett or a Saudi prince with billions at Vanguard. Reality check: United States intrad...

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