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Re: KeePass vs LastPass

I tried KeePass a couple of months ago. Entered a few things, and seemed simple enough. As part of the security process, I entered a super secure password, and now I've forgotten it. :oops:

Lesson learned! :confused

Don't forget your master password!!! :mrgreen:
by inbox788
Thu Apr 10, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 5987

Re: Post your IPS [Investment Policy Statement]

Writing covered calls is attractive to me in a volatile market. I would only sell out of the money calls that guarantee me a profit on the underlying stock if the option is exercised. It is best if having the option assigned would be a long-term capital gain, but I prefer to avoid having my stocks ...
by inbox788
Wed Mar 26, 2014 11:14 pm
 
Forum: Investing - Theory, News & General
Topic: Post your IPS [Investment Policy Statement]
Replies: 14
Views: 1873

Re: How much to put in 529 vs taxable accounts?

College calculators estimate that we will need a total of $190k for our son and $240k for each daughter (almost $700k total, yikes!) if they go to in-state public schools. They also estimate that I could contribute either $7k per child per year, or lump sums now of $55k (son) and $67k (daughters). ...
by inbox788
Sun Mar 23, 2014 5:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much to put in 529 vs taxable accounts?
Replies: 2
Views: 509

Re: 8% ROI needed

Well, it's worth pointing out that the first three are funds, not individual companies, so the portfolio isn't quite as undiversified as it first seems (the fourth is a REIT). But there is no getting around the fact that with that kind of yield in this low-interest rate environment, the funds must ...
by inbox788
Sun Mar 23, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 8% ROI needed
Replies: 28
Views: 3952

Re: Renting a House for a 1 Month Vacation to Los Angeles

You might look into something like this:

http://www.vrbo.com/233542

It's a little out of your budget, but you might get a significant discount for longer rentals in off-peak periods.

http://www.vrbo.com/vacation-rentals/us ... les-county
by inbox788
Sun Mar 23, 2014 4:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting a House for a 1 Month Vacation to Los Angeles
Replies: 2
Views: 387

Re: How do I convince my 78 year old mom to go passive?

My dad is 97. He invests with a full service broker in individual stocks that he picks himself. He will be dead before I would be able to convince him to do otherwise. That was true 20 years ago, and it is still true today. When he started investing, the broker was probably the only way to invest. ...
by inbox788
Sun Mar 23, 2014 3:13 am
 
Forum: Investing - Help with Personal Investments
Topic: How do I convince my 78 year old mom to go passive?
Replies: 28
Views: 2581

Re: Thoughts On Pre-Paid College Plans

Again, what is the alternative? Gambling that stocks will be high right when your kid is 18? Or that bonds at near zero percent will grow with the rate of college inflation? I thought the standard answer is an AA of stocks and bonds with appropriate risk for your tolerance and time frame invested i...
by inbox788
Sat Mar 22, 2014 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts On Pre-Paid College Plans
Replies: 28
Views: 1929

Re: foreign sales people calling 5 times daily

Simply buy a phone with caller ID and answering machine, and do not pick up any calls from numbers/people you do not know!! Those callers finally will get the message without wasting your time. A couple of extra strategies. With the cheap cost of landlines (VOIP, Ooma, Obi, Vonage, MagicJack, etc.)...
by inbox788
Sat Mar 22, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: foreign sales people calling 5 times daily
Replies: 41
Views: 2653

Re: foreign sales people calling 5 times daily

My favorite thing to do is out them on hold. The way I see it is that it's helping a few people further down the list from being bothered. I check back a little later to find out they've hung up, but once I kept a guy on hold for nearly an hour! It tied up my phone line, but he couldn't bother other...
by inbox788
Sat Mar 22, 2014 4:34 am
 
Forum: Personal Consumer Issues
Topic: foreign sales people calling 5 times daily
Replies: 41
Views: 2653

Re: Buy a used car or pay $5,000 more to get a new one?

Assume the car has a 15 year lifespan 16000/12 = 1.3k/yr 21k/15 = 1.4k/yr Insurance, gas, tires, maintenance, repairs will make those two figures quite different. And not to mention longevity. What's the opportunity cost of that 5,000? I'm surprised that people always find ways to justify spending ...
by inbox788
Fri Mar 21, 2014 11:40 pm
 
Forum: Personal Consumer Issues
Topic: Buy a used car or pay $5,000 more to get a new one?
Replies: 62
Views: 4235

Re: Thoughts On Pre-Paid College Plans

Again, what is the alternative? Gambling that stocks will be high right when your kid is 18? Or that bonds at near zero percent will grow with the rate of college inflation? I thought the standard answer is an AA of stocks and bonds with appropriate risk for your tolerance and time frame invested i...
by inbox788
Fri Mar 21, 2014 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts On Pre-Paid College Plans
Replies: 28
Views: 1929

Re: Buy a used car or pay $5,000 more to get a new one?

As the owner of a 13 Crosstrek Limited, I'll tell you that it is (as I say) an Impreza on stilts. The suspension and larger tires and wheels give it equal clearance to the Outback and Forester, which is a major reason I got it (I have a steep driveway and we get real snow....my other vehicle plows ...
by inbox788
Fri Mar 21, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Buy a used car or pay $5,000 more to get a new one?
Replies: 62
Views: 4235

Re: Thoughts On Pre-Paid College Plans

Congrats on picking a winning State 529, but I suspect there's a loser out there to balance the karma. Also, what you're not paying, the state isn't receiving, so they're either tapping into the state general fund, increasing tuition for everyone else, or cutting some spending. It's kind of like ru...
by inbox788
Fri Mar 21, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts On Pre-Paid College Plans
Replies: 28
Views: 1929

Re: Buy a used car or pay $5,000 more to get a new one?

Always buy used cars. Cars are suppose to get you from point A to point B, not be an investment. Buying a brand new car fresh off the lot is the worst decision one can make. I've saved thousands over the years buying cars with 50-80K miles on them for $4k-$8k and driven them till they die. Current ...
by inbox788
Thu Mar 20, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Buy a used car or pay $5,000 more to get a new one?
Replies: 62
Views: 4235

Re: Thoughts On Pre-Paid College Plans

Might you or a grandparent be a Pennsylvania resident? I did the PA "TAP" (tuition account program) GSP "(guaranteed savings program) in 2001 after tax law changed so that withdrawals for college became tax free. It's been the single best investment I've made. I have two kids...fully...
by inbox788
Thu Mar 20, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts On Pre-Paid College Plans
Replies: 28
Views: 1929

Re: Buy a used car or pay $5,000 more to get a new one?

Cosign on the warranty. I have two Subaru's in my house and the resale value is much better than the Civic probably due to supply and demand. I just listed my wife's 2006 Impreza wagon for $12k and I have several inquiries on it! OMG, the nose on that model is the same one that killed the Tribeca.....
by inbox788
Thu Mar 20, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Buy a used car or pay $5,000 more to get a new one?
Replies: 62
Views: 4235

Re: Thoughts On Pre-Paid College Plans

... I have to weigh the odds of my kid attending a school in MA vs. the 49 other continguous states. ... Only 47 other contiguous states. Could be 57 depending on who you ask... https://www.youtube.com/watch?v=EpGH02DtIws As far as Pre-paid College Plans, no state plan, so I looked at the Private C...
by inbox788
Thu Mar 20, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts On Pre-Paid College Plans
Replies: 28
Views: 1929

Re: Buy a used car or pay $5,000 more to get a new one?

The new Subaru. While you're at it, test drive the new Forrester. I looked at both recently and bought the Forrester. I've heard so many great things about the new Forester. The car I actually WANT is Crosstrek. It's $4,000 more than a new Impreza I'm considering. I thought about just going for a n...
by inbox788
Thu Mar 20, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Buy a used car or pay $5,000 more to get a new one?
Replies: 62
Views: 4235

Re: Flagship Rep called me

they are customer service people who give you to the experts if the situation requires it. investor This is surprising, given how in some companies the customer service agents are extremely restricted in what they can do. Much of what they do is scripted, and they are basically entering data into a...
by inbox788
Wed Mar 19, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Flagship Rep called me
Replies: 22
Views: 4288

Re: Flagship Rep called me

Have any of you folks noticed that Flagship reps are reaching out more these days? I don't have Flagship account, so haven't talked to the rep yet, but are these customer service or their Certified Financial Advisors? I'm still forming an opinion on those folks at Vanguard, but haven't come to the ...
by inbox788
Wed Mar 19, 2014 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Flagship Rep called me
Replies: 22
Views: 4288

Re: Investing in stocks--A surprising Google report ?

What this proves is, that like everyone else, google knows nuthin. :mrgreen: A couple of years back, Google Flu Trends provided an encouraging idea: Monitoring Internet search traffic about influenza may prove to be a better way for hospital emergency rooms to prepare for a surge in sick patients c...
by inbox788
Wed Mar 19, 2014 7:24 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in stocks--A surprising Google report ?
Replies: 37
Views: 4094

Re: Best smartphone in 2014?

I need a new phone... my old one (now ancient) broke after 4 years of use. I use the internet a lot and I also want one with the best camera for photos/video. Any suggestions? Can you wait? Lots of new options coming around the corner, including the rumored 5" iPhone 6. http://bgr.com/2014/03/...
by inbox788
Wed Mar 19, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2239

Re: Two cent check from Vanguard

Didn't we have a similar thread some time ago like this? Wasn't the consensus that if enough didn't cash those checks, some unfortunate individual in accounting will have to spend time to find the irregularity... thus costing some additional funds When I worked in claims we had to call on any uncas...
by inbox788
Wed Mar 19, 2014 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Two cent check from Vanguard
Replies: 27
Views: 1899

Re: Using a convenience check

I want to take out an interest free loan for a year, but still pay off my credit card each month. Are these checks set up where you can pay off your "credit card charges" part of your bill in full to avoid interest and make only the minimum "convenience check" payment to take ad...
by inbox788
Wed Mar 19, 2014 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using a convenience check
Replies: 6
Views: 743

Re: Phone calls trying to sell me stocks

Anyway, I'm (obviously) not posting to ask about the stock he suggested and whether or not to buy it -- I know better (both better than to ask and than to buy) I'm wondering: what call did I just get? Is there a thing like telemarketing, but for stocks? Is this a common thing and I'm just now exper...
by inbox788
Wed Mar 19, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 2003

Re: Gas Grill - Natural Gas vs Liquid Propane

Propane has these potential safety hazards: - Spouse gets mad when fuel runs out - Get in car accident with a LP tank in the vehicle - Back injury while changing out propane tank - Robbed at local store while paying for propane tank - Someone steals your LP tank on the back deck and then sees all t...
by inbox788
Wed Mar 19, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Gas Grill - Natural Gas vs Liquid Propane
Replies: 46
Views: 6726

Re: Is there another Berkshire out there?

I agree that some conglomerates are decent proxies, and in taxable account, some have the added benefit of not having dividends to reinvest and pay taxes along the way. Be careful here - BRK, for example, pays the taxes at the corporate level on its divs, but you're still effectively paying them. D...
by inbox788
Tue Mar 18, 2014 11:08 pm
 
Forum: Investing - Theory, News & General
Topic: Is there another Berkshire out there?
Replies: 20
Views: 1952

Re: ANY secure Internet access while traveling?

Is there ANY way to combine something like a password protected hot spot (or even using iPhone as hot spot)? The link between the laptop and the hot spot isn't secure, AFAIK. Would a virtual private network make a difference with this link? (As you can tell, I'm not entirely sure *what* a VPN actua...
by inbox788
Tue Mar 18, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: ANY secure Internet access while traveling?
Replies: 54
Views: 3354

Re: CAR: should I buy new/used, cash/financed? (w/$details)

As a side note, I always find these Boglehead.com polls fascinating. This one, for example, currently has just 12 responses equally divided at 25% each. However, from other threads I've seen recently, I expect the final tally (if it reaches critical mass) to lean about 60% NEW / 40% USED, and about...
by inbox788
Tue Mar 18, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: CAR: should I buy new/used, cash/financed? [POLL]
Replies: 17
Views: 1138

Re: Is there another Berkshire out there?

To begin with we probably don't disagree on much of anything here except for a minor quibble or two. But I do think that a basket of conglomerates (BRKB, MKL, LUK, GE, HUWHY, BAM, etc), held "forever" can be a good proxy for a standard index fund- lower fees and generally above-average ma...
by inbox788
Tue Mar 18, 2014 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: Is there another Berkshire out there?
Replies: 20
Views: 1952

Re: 401k and ESPP

BlackRock US Debt Index NL Fund Class W .08% Vanguard Institutional Index Institutional Plus Shares .02% Vanguard Total International Stock Index Fund Institutional Class .13% Vanguard Target Retirement 2055- .19% Yes, you could do this and save a little in fees, and get same performance, or save e...
by inbox788
Tue Mar 18, 2014 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k and ESPP
Replies: 33
Views: 1311

Re: S&P 500 vs Total Stock Market MF

Curious why one would choose S&P 500 over Total Stock Market? Doesn't total Stock Market include S&P 500? ...I presently have some $ in total Stock Market Admiral Shares MF. I still have more to invest. I could switch to S&P 500 if that makes more sense or just continue with Total Stock...
by inbox788
Tue Mar 18, 2014 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500 vs Total Stock Market MF
Replies: 12
Views: 1670

Re: Car Fund

I would use a car fund so that I wouldn't have to take out a loan. My plans currently are to continue making payments to myself (in a car fund account) in the amounts of my auto loans even after they are paid off. I will use this accumulation to pay for a car. The other option is to dump this money...
by inbox788
Tue Mar 18, 2014 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Car Fund
Replies: 9
Views: 1130

Re: 401k and ESPP

I live in Illinois. And it is a water company which hopefully equals to be more stable. Im thinking now I will put the full match of the 401k(5%), and put 5%-7% in the ESPP and sell at the end of every 6 month period to fund my Roth. My intuitive call says to max out the ESPP before funding the Rot...
by inbox788
Mon Mar 17, 2014 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k and ESPP
Replies: 33
Views: 1311

Re: 401k and ESPP

Their 401k offers 100% match for first 3% and 50% match for next 2%. I will be contributing 5% . My questions are which 401k fund should I choose and how should I contribute to the ESSP. I get a 10% discount on the American Water Works stock. I do have a Roth IRA opened but I have not contributed.....
by inbox788
Sun Mar 16, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k and ESPP
Replies: 33
Views: 1311

Re: Confession: I bought a stock. What is wrong with me?

NOTHING! My mother bought 2 stocks in the 1970s - ATT and ITT. When she died almost 20 yrs ago she left us, her 4 dc, many stocks worth several thousands of dollars more than she bought. I still have many of them. It was a smart buy! No, I don't buy stocks today but I'm glad she bought those 2! Doe...
by inbox788
Sun Mar 16, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 25
Views: 2145

Re: insurance for my 8 yr old accord

Now that I am retired and driving less than 10K miles a year I would never consider collision/comprehensive on any car-especially an older one, but even a new one . In the long run, I figure I will probably do much better leaving the money I would normally spend on excess insurance in an index fund...
by inbox788
Sun Mar 16, 2014 8:10 pm
 
Forum: Personal Consumer Issues
Topic: insurance for my 8 yr old accord
Replies: 11
Views: 678

Re: 529s and overfunding

Possible strategy to mitigate the tax impact of overfunding: Open multiple 529 accounts. Each one has a separate tax basis. When college rolls around, spend first from the ones with the lowest basis / most capital gains. Opening multiple accounts is not that difficult. Fidelity offers 529s in four ...
by inbox788
Sun Mar 16, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529s and overfunding
Replies: 23
Views: 1324

Re: $175k student loan is paid off!

investfell wrote:WOW... Congrats! My $30,000 student loan will be paid off in a couple months.

Congratulations to both of you!!

$205,000 down, another $1 trillion to go.

http://www.businessweek.com/articles/20 ... ot-economy
by inbox788
Sat Mar 15, 2014 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: $175k student loan is paid off!
Replies: 21
Views: 1770

Re: 529s and overfunding

Since you're contributing over a long period of time, the initial contributions have longer to grow bigger. Also, equities have higher potential for gains over bonds. So if you can overfund the 529, you should do so early and mostly or all stocks. If after your child,turns 5 and turns out to be aver...
by inbox788
Sat Mar 15, 2014 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: 529s and overfunding
Replies: 23
Views: 1324

Re: Car Fund

Since this is a Car Fund, I wonder if a proxy of a Transportation Fund IYT or Auto Fund CARZ might be useful. Probably not, but we run into same problem with education and real estate. In all cases, we're afraid the inflation in the category exceeds overall inflation, and our goal becomes a moving t...
by inbox788
Fri Mar 14, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Car Fund
Replies: 9
Views: 1130

Re: Advise please: Tree fell on our car at DH workplace

Good advice here. Who is your insurance company? This is the test of whether they're a good company or not, and even some of the ones that aren't so good usually come through here. They should be able to make you whole, including your deductible, because they'll be doing after the property owner, wh...
by inbox788
Thu Mar 13, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advise please: Tree fell on our car at DH workplace
Replies: 22
Views: 1590

Re: Tune out noise and enjoy bull market: JPM's Lee

He might be considered a PermaBull, which is just as bad as the PermaBear. Not a great track record recently... His 2011 S&P target 1425, actual 1257.6 (11.8% off) Thomas had essentially the exact same forecast last year. And, yes, on the very day (April 29th) that markets peaked last year (at 1...
by inbox788
Thu Mar 13, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: Tune out noise and enjoy bull market: JPM's Lee
Replies: 3
Views: 694

Re: Turn spare change into big bucks?

Interesting article on USA Today: http://www.usatoday.com/story/money/personalfinance/2014/03/12/investing-app-acorns/6328657/. App will track your purchases and rounds each of them to nearest dollar;it takes the leftover change from the purchase that costs say, $2.75,and invests the remaining. 25 ...
by inbox788
Thu Mar 13, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: Turn spare change into big bucks?
Replies: 29
Views: 2216

Re: "The Average Investor Should Use a Financial Adviser"

The average investor is going to get the average financial adviser, and the average adviser is most certainly not going to be a person any investor should use. I'm not certain I know what "average" means in the case of a financial advisor, or advis er , if one chooses (a whole other can o...
by inbox788
Thu Mar 13, 2014 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: "The Average Investor Should Use a Financial Adviser"
Replies: 51
Views: 6988

Re: Car Buying Strategy

I am always surprised by users perceptions on which makes are reliable. Here is a list of 3-year old car reliability (IMHO much better than any initial 90 day study). What you have posted is 3 year old car reliability. Really!? To me, that is not relevant to discussion here. OP is not interested in...
by inbox788
Thu Mar 13, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Car Buying Strategy
Replies: 46
Views: 3796

Re: Amazon Prime Increase

We're in the same boat. I've seen Amazon go from cut-rate pricing on their diapers and other staples to a point where Costco and local stores can beat them on a regular basis. We hardly ever use their streaming library, which I consider a distant third place to Netflix and Hulu. I like the convenie...
by inbox788
Thu Mar 13, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7657

Re: Need Help! New law firm partner taxes

Do yourself a big favor: Hire a professional to do your taxes. Then go do something fun with the time you would have spent on the taxes. Your free time is too valuable to spend on this. You are a professional lawyer. You are not a professional tax accountant. You might even cost yourself money by t...
by inbox788
Thu Mar 13, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need Help! New law firm partner taxes
Replies: 11
Views: 833

Re: 30yr Loan to buy Stocks

What if there was a product where you could get a loan for $100k payable in 30 years to buy a total world stock market fund. The loan would be backed by the stocks (business ownership) and the loan couldn't be defaulted on if there was a drop in the value of the stock. You couldn't sell any stocks ...
by inbox788
Thu Mar 13, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: 30yr Loan to buy Stocks
Replies: 11
Views: 1228

Re: Interesting Stock question

Tesla and Sirius are not competitors to Rush. Not sure how you got that idea. No such comparison was made. They're all unique companies with different business models than their competitors. You could even say the same thing for Coke and Pepsi, who are often though of as competitors, yet they're qu...
by inbox788
Thu Mar 13, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Interesting Stock question
Replies: 15
Views: 1035
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