Search found 268 matches

by Postmon
Sat Apr 25, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Selling on eBay with local pickup using PayPal - Dangerous?
Replies: 22
Views: 1933

Re: Selling on eBay with local pickup using PayPal - Dangero

I don't want to just refund him the money and cancel the sale, so I am somewhat at a loss at what to do. As Dirty Harry said: "You gotta ask yourself one question. Do you feel lucky? Well, do ya?" :twisted: You could cancel the sale and then you won't have to worry about a chargeback but ...
by Postmon
Sat Apr 25, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Selling on eBay with local pickup using PayPal - Dangerous?
Replies: 22
Views: 1933

Re: Selling on eBay with local pickup using PayPal - Dangero

Although bill of sale or something like that might stand up in court, I don't know why everyone is suggesting that. IT WON'T WORK FOR PAYPAL :oops: . Let's get back to the OP's questions: 1.) Is allowing PayPal payment with local pickup problematic? Not necessarily, but you lose Paypal seller protec...
by Postmon
Sat Apr 25, 2015 7:13 am
Forum: Personal Consumer Issues
Topic: Selling on eBay with local pickup using PayPal - Dangerous?
Replies: 22
Views: 1933

Re: Selling on eBay with local pickup using PayPal - Dangero

Below is from the Paypal website. If you want to avoid the chance of a chargeback, I'd do what I suggested earlier. Paypal favors the buyer and I always use cash for an in-person transaction. PayPal Seller Protection. What are the requirements for Seller Protection? Initial Requirements Ship to the ...
by Postmon
Sat Apr 25, 2015 6:09 am
Forum: Personal Consumer Issues
Topic: Selling on eBay with local pickup using PayPal - Dangerous?
Replies: 22
Views: 1933

Re: Selling on eBay with local pickup using PayPal - Dangero

I'm not sure if it's still the case, but the only thing Paypal used to accept was a signature confirmation from the carrier for items over $250. So, you were at risk for any pick-up. I'd suggest you check the the ebay website. I'm sure it's spelled out there and on the ebay discussion boards. Other ...
by Postmon
Mon Apr 13, 2015 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Engineering as a career for a graduating HS student ?
Replies: 60
Views: 4799

Re: Engineering as a career for a graduating HS student ?

IMHO, I believe that an undergraduate engineering degree (no matter what the field) provides a great foundation for whatever someone decides to do after college even if it's not engineering. An engineering education teaches you how to think and solve problems. If one is decides to pursue a career ou...
by Postmon
Fri Apr 10, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Can anyone recommend a good low cost generator?
Replies: 35
Views: 2341

Re: Can anyone recommend a good low cost generator?

I'm not sure there's an advantage to propane either. Anything bigger than a 20 lb tank is not much fun to move around or take for refill. And I don't think a 20 lb tank will last any longer than a 5 gallon gas can. I used to have a portable propane generator and it was great while it lasted. The 20...
by Postmon
Thu Apr 09, 2015 7:32 pm
Forum: Personal Consumer Issues
Topic: Can anyone recommend a good low cost generator?
Replies: 35
Views: 2341

Re: Can anyone recommend a good low cost generator?

Biggest problem for me is when the power goes out, so do the gas pumps. These generators can go through gas quickly and I'm don't like the idea of storing a lot of gas around the house waiting for the next outage. So, even though I'd like to get one, it's not very practical unless you can find a gas...
by Postmon
Sat Apr 04, 2015 8:23 am
Forum: Personal Consumer Issues
Topic: Buy riding mower or hire service to cut grass?
Replies: 56
Views: 4580

Re: Buy riding mower or hire service to cut grass?

As an alternative to the riding mower, how about a wide deck push mower? They're about 30" - 33" wide compared to the the typical 21" - 22" mower. One of these would cut the time down significantly without going the ride-on route.
by Postmon
Mon Mar 23, 2015 5:54 am
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 3129

Re: External Hard Drive?

I've found Crashplan to be excellent at $60/year for unlimited automatic backups. I do have external hard drives for backup but I just don't back them up as much as I should. :oops: My files are priceless to me so I consider the $60/year to be cheap insurance.
by Postmon
Sun Mar 22, 2015 7:37 am
Forum: Investing - Theory, News & General
Topic: 4 Fund Portolio without bonds
Replies: 35
Views: 2983

Re: 4 Fund Portolio without bonds

Reminds me of Trev H's Ultimate 4 slices: http://www.bogleheads.org/forum/viewtopic.php?t=38374
by Postmon
Sat Mar 21, 2015 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Mother-in-laws portfolio. Need advice.
Replies: 9
Views: 1294

Re: Mother-in-laws portfolio. Need advice.

Are these funds in taxable or tax-deferred accounts? How much in each? What is the cost basis for each of the funds in taxable?
by Postmon
Thu Mar 19, 2015 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: VXUS [Should I buy Vanguard Total Int'l Index, Total Bond?]
Replies: 13
Views: 1446

Re: VXUS [Should I buy Vanguard Total Int'l Index, Total Bon

With regards to VXUS, is now the time to buy? If you're asset allocation calls for VXUS, then it's the time to buy Not trying to time the market but also don't want to buy at the worst time. I think you're trying to time :wink: ...with rate hikes most likely coming soon? Rate hikes have been "...
by Postmon
Mon Mar 16, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 41
Views: 5762

Re: Cleaning my back yard?

Any suggestions on which of these two to buy, or are they pretty much the same? Jomax need to be mixed with Bleach, wheras wet-n-forget need to be mixed with water. I think it's a matter of a harsh chemical with immediate results versus a non-caustic solution that may take some time. What about nap...
by Postmon
Sun Mar 15, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 41
Views: 5762

Re: Cleaning my back yard?

Two big advantages of the Wet and Forget are you don't have to scrub (no elbow grease) and it's not caustic. Just spray it on and forget about it. I had a similar situation on our patio and after a month or so all the algae was gone. Don't know if they sell it at HD but you you can get it at Amazon ...
by Postmon
Sat Mar 14, 2015 4:35 pm
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 41
Views: 5762

Re: Cleaning my back yard?

Forget the pressure washer or bleach! Try "Wet & Forget" -- I love this stuff and it's so easy to apply. Just spray it on and no scrubbing. :beer You can get it at Costco. http://wetandforget.com/product_wet_and ... tdoor.html
by Postmon
Tue Mar 10, 2015 9:25 am
Forum: Investing - Theory, News & General
Topic: International value: worth the fees?
Replies: 24
Views: 2423

Re: International value: worth the fees?

I contribute each month. I do not understand how can one can rationalize paying $8/trade under any circumstance, when commission-free funds are ubiquitous. Depends on what the alternatives are, how much you're investing and how often. If it's say $100/month, I agree. But if the fund is the only one...
by Postmon
Mon Mar 09, 2015 12:51 pm
Forum: Investing - Theory, News & General
Topic: International value: worth the fees?
Replies: 24
Views: 2423

Re: International value: worth the fees?

rca1824 wrote:Unfortunately Fidelity does not offer EFV under free commission.


It's only $7.95 a trade. Do you plan to trade so much where that will make a difference?
by Postmon
Sun Mar 08, 2015 9:57 am
Forum: Personal Finance (Not Investing)
Topic: finance a car or not
Replies: 28
Views: 2480

Re: finance a car or not

As the dealers have different brand cars, and if the preference were for dealer 1 who has the finance cost and no cash rebate, would you feel the same? Hold on a minute! The most important thing is to first decide on the vehicle that you want, then which dealer to buy it from. If you haven't decide...
by Postmon
Sun Mar 08, 2015 9:17 am
Forum: Personal Finance (Not Investing)
Topic: finance a car or not
Replies: 28
Views: 2480

Re: finance a car or not

I hate debt so if I had an extra $20K available, I'd pay cash and take the $750 rebate. I realize there might be some opportunity cost in financing but I sleep better at night not having to worry about a payment.
by Postmon
Sat Mar 07, 2015 10:14 am
Forum: Investing - Help with Personal Investments
Topic: questions about portfolio
Replies: 14
Views: 885

Re: questions about portfolio

How and what do i compare my portfolio to to see how this advisor did for us since we had them? Thanks What I was getting at is hindsight is 20/20 and it's impossible for ANYONE to predict what the markets are going to do... OP’s question comes from a comment I made earlier about comparing his FA’s...
by Postmon
Fri Mar 06, 2015 11:40 am
Forum: Investing - Help with Personal Investments
Topic: questions about portfolio
Replies: 14
Views: 885

Re: questions about portfolio

How and what do i compare my portfolio to to see how this advisor did for us since we had them? Thanks What I was getting at is hindsight is 20/20 and it's impossible for ANYONE to predict what the markets are going to do. Do you recall how rocky things were back in the 2008 timeframe? How could an...
by Postmon
Thu Mar 05, 2015 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: questions about portfolio
Replies: 14
Views: 885

Re: questions about portfolio

randypape wrote: they didn't move anything around like the advisor would have. what do you think about that comment?


"Would have" or "did"? Were you with EJ in 2008/2009? If so, what did they do and when?

I'd ask them what crystal ball are they using? :wink:
by Postmon
Thu Mar 05, 2015 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7886

Re: Reasons not to use Total Bond Market?

zadie wrote:Are there any reasons to NOT just invest all in BND?


Here are two that are frequently cited:

1) It has too much MBS.
2) Take your risk on the equity side so limit your bonds to Treasuries and maybe short term high quality Corporates.
by Postmon
Sun Feb 22, 2015 7:53 am
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 4494

Re: help me speed up my computer

Then, I ran CC Cleaner, which I do pretty regularly. This eliminates all history/cookies. Did you also run the Registry cleaner? There's a "Registry" button on the left side below "Cleaner." If not, that may help a lot. You should do it a few times until everything is fixed. Als...
by Postmon
Sat Feb 21, 2015 8:45 am
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 4494

Re: help me speed up my computer

Throw it away and buy a Chromebook. Best thing I have done in a long time. +1 If you mostly use it for internet, Chromebook (or Chromebox) is the way to go. They're very inexpensive, no maintenance needed, and amazing performance. I've dropped MS Office and use Google's products exclusively. I kept...
by Postmon
Sat Feb 21, 2015 8:35 am
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 92
Views: 11071

Re: why do some people like Fidelity?

And let's not forget the 2% cash back AMEX credit card and the no fee ATM card.
by Postmon
Fri Feb 20, 2015 7:43 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 5341

Re: Test drive new vehicle without sales pressure?

ThankYouJack wrote:Does anyone know what other information they can gather from your license?


Would not surprise me if they google your name and address to see what they can find, including the value of your home or where you're renting.
by Postmon
Fri Feb 20, 2015 3:07 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 5341

Re: Test drive new vehicle without sales pressure?

terran wrote:we could buy today for the right deal


That's definitely a cue for the salesperson to turn up the pressure. The response will be what's the right deal and then the games begin.
by Postmon
Thu Feb 19, 2015 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k Portfolio Help
Replies: 6
Views: 866

Re: Fidelity 401k Portfolio Help

I know the Spartan International Index Fund is not the same as the Global Ex-US fund (no exposure to Canada or emerging markets). Is this a concern, and can I make up for it by investing in one of the other funds available? Not sure which of those funds would get you EM exposure at a reasonable cos...
by Postmon
Thu Feb 19, 2015 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Index Fund
Replies: 4
Views: 483

Re: Vanguard International Index Fund

for tax purposes I am considering the ETF...good move? Yes, but just make sure you understand that ETFs trade like stocks, not like Mutual Funds. Some folks may not be comfortable with them. Additionally, If you prefer Mutual Funds, it might be worth the additional cost to buy the Investor shares t...
by Postmon
Thu Feb 19, 2015 1:19 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 5341

Re: Test drive new vehicle without sales pressure?

So would you set up OTD price prior to a test drive? Don't even talk price, trade-in, financing, deposit, etc. until you're 100% ready to buy a specific vehicle. And, when you're ready, come back and ask about buying strategies before talking numbers. Beware that many dealers will run a credit chec...
by Postmon
Thu Feb 19, 2015 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit My Job
Replies: 46
Views: 7112

Re: Should I Quit My Job

If I were young (yes, you're young!) and single with nothing to tie me down and had the opportunity to change my career from something that was safe but that I wasn't enjoying to something I always wanted to do, I would definitely go for it. You may always regret not taking that chance. Additionally...
by Postmon
Thu Feb 19, 2015 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3784

Re: Inherited Mutual Funds: Investing advice

Update: The advisor at Vanguard sent me his recommendation for reinvesting the money. It is as follows: U.S. large-cap stock Vanguard Total Stock Market Index Fund Admiral Shares 24% U.S. mid/small-cap Vanguard Total Stock Market Index Fund Admiral Shares 11% International Stock Vanguard Total Inte...
by Postmon
Wed Feb 18, 2015 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Nearing retirement - needing advise on investment strategy
Replies: 9
Views: 1201

Re: Nearing retirement - needing advise on investment strate

retiredjg wrote: Taxable 7% Vanguard Total Stock Index 10% Vanguard Total International 17% stock (1 stock small cap) Are these tax effective investments? or should I consider munis for taxable investments? Lock in your stock/bond allocation first, then determine the tax efficient placement of the ...
by Postmon
Mon Feb 16, 2015 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Nearing retirement - needing advise on investment strategy
Replies: 9
Views: 1201

Re: Nearing retirement - needing advise on investment strate

Retirejg has a suggested a good plan. My two concerns would be your asset allocation and that one small cap stock. Why 70/30 ? - No good reason. This has always been my allocation has been comfortable with it. However, as I read more about this investing on this site, it might be more aligned with r...
by Postmon
Mon Feb 16, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 6803

Re: First Time Dog Owners -- Any Regrets?

mlebuf wrote:https://www.youtube.com/v/txiR7oEVGd0


Okay, you convinced me. Where can I get one of those? :wink:
by Postmon
Mon Feb 16, 2015 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Fidelity
Replies: 30
Views: 3829

Re: Vanguard or Fidelity

I think you'll get more responses if you cut the info above out and start a new thread with a new subject line. You started with Vanguard or Fidelity and it's evolved into a much broader topic.
by Postmon
Mon Feb 16, 2015 8:53 am
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 1102

Re: Home-visit computer repair options

If you go with a Chromebook, probably better to get one with a bigger screen (14"). It would be helpful if she had a gmail account, but not necessary. Had the same situation in our family. The setup is simple: Plug in the power cord, press the power button and answer a few questions. The only t...
by Postmon
Sun Feb 15, 2015 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3784

Re: Inherited Mutual Funds: Investing advice

Careful. There were probably distributions in December that increased the cost basis above $18,024.37. In other words, where did those extra shares come from? (1779.704 - 1774.0515 = 5.6525) And how much did one pay for them? Good point! I was focused on the cost basis at the time of death. When yo...
by Postmon
Sun Feb 15, 2015 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3784

Re: Inherited Mutual Funds: Investing advice

In the case of FRFCX, there were 1,774.0515 shares with a cost basis of 10.16 for a total market value of $18,024.37. On the January 30, 2015 monthly statement, there were 1,779.704 shares with a market value of 9.83 for a total market value of $17,494.49. Yes, that's correct :beer The cost basis i...
by Postmon
Sun Feb 15, 2015 11:45 am
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 1102

Re: Home-visit computer repair options

Is she in one of the retirement communities? If so, have her ask around (there are often residents who do this) or check the newsletter or with the clubhouse.

Alternatively, scrap the PC and get her a chromebook or chromebox for under $200.
by Postmon
Sun Feb 15, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 6803

Re: First Time Dog Owners -- Any Regrets?

Go with a dog rescue and/or a shelter. There are plenty of younger dogs that have been abandoned that need homes. That was our first thought, but as we do our research we're starting to lean toward a breeder. The idea of being a first time dog owner is a bit skittish to begin with so we would want ...
by Postmon
Sun Feb 15, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 8994

Re: Rental Car Prices - is this the new normal ?

I've found that the Costco rates seem to bottom out about 2-3 weeks before the rental date and then start jumping up after that.
by Postmon
Sun Feb 15, 2015 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3784

Re: Inherited Mutual Funds: Investing advice

It is probably something about the cost basis I don't understand. This is an example of what I am looking at: On the date of my father's passing, mutual fund FRFCX had a cost basis of 10.16. The market value for this fund on the Jan.30, 2015 statement was 9.83. Hold on! That is not your cost basis....
by Postmon
Sat Feb 14, 2015 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Fidelity
Replies: 30
Views: 3829

Re: Vanguard or Fidelity

If you're treating all your accounts (2 retirement and 1 brokerage accounts) as one portfolio, you should think about tax-efficient fund placement. You may want to put all your bonds in the retirement accounts. I suggest you read this: https://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund...
by Postmon
Sat Feb 14, 2015 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3784

Re: Inherited Mutual Funds: Investing advice

Having a higher basis is actually good news for tax purposes. If you're going to simplify and sell the existing funds you'll be able to apply the losses against any gains. But, not sure why you'd see a loss since then.
by Postmon
Sat Feb 14, 2015 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Mutual Funds: Investing advice
Replies: 67
Views: 3784

Re: Inherited Mutual Funds: Investing advice

Does Vanguard offer the option to enter the cost basis on your own into their system? I've done it at Fido and it's noted with an asterisk that says something like "customer reported cost basis." If so, I'd recommend that you do that so it's always there.
by Postmon
Fri Feb 13, 2015 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation 529 plans for 7th and 4th graders
Replies: 11
Views: 1147

Re: Asset allocation 529 plans for 7th and 4th graders

FWIW, bottom of this page has an Asset Allocation by Age chart from Fidelity:

https://www.fidelity.com/529-plans/investment-options
by Postmon
Wed Feb 11, 2015 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Portfolio...Thoughts?
Replies: 7
Views: 550

Re: Inherited Portfolio...Thoughts?

would it be that much of a hindrance in the portfolio to keep a few individual stocks? the total amount of cash I have on hand right now is about $275,000. Can (should) I invest all of that in VBR? Why would you want to keep the individual stocks? What percentage of the portfolio would they represe...
by Postmon
Wed Feb 11, 2015 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Amica auto insurance quote very high?
Replies: 15
Views: 1383

Re: Amica auto insurance quote very high?

Does the policy offer a dividend option? If so, that would lower the cost somewhat.

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