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Re: How often do you change your car's oil?

When my car's computer tell me to do that. I believe it calculates it both on milage, time, and usage.
When I had less advanced car, I followed manufacturer's suggestion in car service manual and changed oil every 7,500K miles.
by serbeer
Fri Oct 24, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 57
Views: 1963

Re: IRS Announces new 401(k) contribution max for 2015 ($18,

That's good news, but I really wish they would raise the IRA limit, so I could put more into our Roths. Can someone explain to me why they aren't raising the IRA limit also? I'm sure there's a logical reason for it, I just don't get it. Sure. It is due to Section 219(b)(5)(A) of Internal Revenue Co...
by serbeer
Thu Oct 23, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 34
Views: 4131

Re: Gains and Losses from Periodic Investments

Thank you grayfox, this is interesting. My comments: 1) None of the 4 observations in OP are surprising the least, all could be predicted by regulars on this board. Would not be worth your efforts if you stopped there, good that you did not! 2) Longer-term chart clearly shows that even the major bea...
by serbeer
Thu Oct 23, 2014 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: Gains and Losses from Periodic Investments
Replies: 13
Views: 1284

Re: TSA [is it a hassle to opt out of scanning?]

In O'Hare airport, and in Vegas airport I traveled through recently, they even found paper napkin left in my pants' pocket. What were they thinking you were going to do with that paper napkin? The scanner flagged it as suspicious item in the packet. They did patdown and found the napkin. Not exactl...
by serbeer
Thu Oct 23, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2066

Re: IRS Announces new 401(k) contribution max for 2015 ($18,

TFB posted this change in his blog 2 months ago yet, calculation it early with very high degree of confidence. He does that every year btw. http://thefinancebuff.com/2015-401k-403b-simple-ira-limits.html Edit: I added a link since it used to be that it was enough to type in "TFB blog" (The...
by serbeer
Thu Oct 23, 2014 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 34
Views: 4131

Re: TSA [is it a hassle to opt out of scanning?]

Security theatre. It's worthless (many tests show they miss planted objects like guns or bombs half the time Hm, I am not sure about that. In O'Hare airport, and in Vegas airport I traveled through recently, they even found paper napkin left in my pants' pocket. The point is, one definately cannot ...
by serbeer
Thu Oct 23, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2066

Re: Car Rental Return Frustration in Spain

I recall driving for good 40-60 minutes around rental returns parking lot in airport in a city in Spain trying to find an entrance. It was fenced with maze of low metal tubing fence and I simply could not find the way inside, and neither could my wife sitting next to me. Finally spotted it after get...
by serbeer
Wed Oct 22, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Car Rental Return Frustration in Spain
Replies: 8
Views: 558

Re: Is FSA retroactive for child birth?

I had to deal with it before. You can pay out of FSA the expenses which happened on or after qualifying event date . The qualifying event here is child birth, so whatever medical bills have service date on or after the date on your child's birth certificate can be reimbursed. Note that if admission ...
by serbeer
Tue Oct 21, 2014 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is FSA retroactive for child birth?
Replies: 8
Views: 717

Re: Mega bus vacation with toddlers.

I do not look forward to 2hr drives with my 14 month old. I can't imagine being on a bus that long with a toddler. Bad idea, very bad idea. Yes! To clarify: bad for you, very bad for others on the bus. This is something you'd do if you had no other choice/mode of transportation, and definately not ...
by serbeer
Fri Oct 17, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 1893

Re: Allow OP to lock thread?

Locking threads should be reserved for gross violations of forum policy. Even moderators try not to lock threads at times but to warn and to edit out "offending" material from them. This is forum is rather heavily moderated as is (not that it is bad, it helps to stay on topics and prevents...
by serbeer
Fri Oct 17, 2014 2:22 pm
 
Forum: Forum Issues and Administration
Topic: Allow OP to lock thread?
Replies: 17
Views: 1399

Re: Vegas Vacation!

Best show in town is Le Reve (The Dream) in the Wynn hotel. Beats O Show easily, and I've just seen both so I can compare. Coinsidently, it is also not as expensive as O Show at this time. With O Show, you'd want to sit closer to the stage, with Le Reve closer to the top (but in both cases not to cl...
by serbeer
Fri Oct 17, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Vegas Vacation!
Replies: 50
Views: 3656

Re: Does your ROTH hold risky or stable items?

I keep REITs, TIPS, and Bonds in my Roth and IRA accounts mostly--not drawing any distinctions between tax deferred and tax free accounts. For little tax deferred/free space still left in these accounts, I simply put whatever my current (and not changed for the past 8 years) AA calls for. I tax-adju...
by serbeer
Thu Oct 16, 2014 2:52 pm
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3363

Re: Spreadsheet for backtesting (includes TrevH's data)

Hello, Maybe someone already posted about this. Should the Average and Std. Dev. on rows 101 and 102 be (column)$116 : (column)$144 instead of just thru (column)$143 ? Where (column) is C thru AA. It appears the 2013 data is being left out of the Average and Std. Dev. calculations. Not a big deal a...
by serbeer
Wed Oct 15, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 610
Views: 378931

Re: When people put all their eggs in the wrong basket

http://forum.thecontrarianinvestor.com/index.php?threads/gt-advanced-technologies-inc-gtat.69/page-320#post-20215 Anyway, it is not me you should be jealous of but my mom whose account I manage and has around 415k shares and probably doesn't know GTAT is on the Nasdaq. I have to set up separate acc...
by serbeer
Tue Oct 14, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 222
Views: 21739

Re: Had a bad experience with Amica

This is not an example of bad experience with Amica. Your friend was never a client of Amica. It is like saying someone had bad experience with Mensa because he was not admitted to Mensa. He simply did not make the cut. They have the right to refuse coverage but only before start of the policy perio...
by serbeer
Wed Oct 01, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Had a bad experience with Amica
Replies: 25
Views: 2036

Re: Buying more when markets are down

Well, I was waiting till all divideds are posted for Q3 to reinvest them together with the new cash--in a single swoop. So, coinsidently, purchased today. But I do not market time in general.
by serbeer
Wed Oct 01, 2014 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 61
Views: 5152

Re: Hard Money Lending, flipping houses 12% return Lets hear

I don't know what could happen where you would lose the whole $210k. The house is not worth zero dollars; it is worth something. Being a devil's advocate, let me use example of placeholder, with the house being a former meth lab making it toxic enough not to be resellable while the OP is stuck with...
by serbeer
Wed Oct 01, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 56
Views: 3091

Re: fidelity v.s. vanguard

Either is perfectly fine for index mutual funds. And for the largest collection of commision-free ETFs, I'd open Ameritrade account.
We use all three, but mostly Fidelity and Ameritrade.
by serbeer
Wed Oct 01, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: fidelity v.s. vanguard
Replies: 18
Views: 1741

Re: CNN: 5 investing secrets of the wealthy.

The article was originally called "5 investing secrets of the wealthy Bogleheads" but later author renamed it since he did not want to go into explanations of who Bogleheads worrying that main message may be lost in explanations.


It is my theory anyway, and I am sticking to it.
:)
by serbeer
Tue Sep 30, 2014 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: CNN: 5 investing secrets of the wealthy.
Replies: 20
Views: 3655

Re: Hard Money Lending, flipping houses 12% return Lets hear

Last year I had ROR of 14+% on my total not too risky 75/25 portfolio. That with only usual "market" risk. So why would I want to invest into a single company, private company at that, with so many risks on top of market risk (because if market tanks, demand for the house in question is pr...
by serbeer
Tue Sep 30, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 56
Views: 3091

Re: Water Powered Sump-Pump Backups?

My Basement Watchdog backup sump pump has self-diagnostic module that checks many things, including battery health and starts beeping when something is not right. I am on my 2nd battery now (in 11 years, and the first one was replaced when the Battery alarm was triggered, about 6-7 years into life o...
by serbeer
Tue Sep 30, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Water Powered Sump-Pump Backups?
Replies: 19
Views: 971

Re: Rebalancing Spreadsheet

Nope. Rebalancing involves both buying and selling. If a particular asset class is overweight due to market pumping it up, you have to sell it and put money into poorly performing asset classes. That's why it is called rebalancing. On the other hand, if you pour in enough money to top off lackster c...
by serbeer
Mon Sep 29, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Spreadsheet
Replies: 4
Views: 553

Re: New 2% cash back Mastercard from Citi

Also when you are talking auto pay are you talking about paying the CC bill automatically or having monthly bills paid automatically via the CC? I do both. I was talking about CC bill being paid automatically on designated date from my checking account. That is still the case after conversion, and ...
by serbeer
Fri Sep 26, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 232
Views: 27038

Re: New 2% cash back Mastercard from Citi

How can they keep auto pay going if its a new number? Expiration date comes around once every three years, not the same. Not sure about mechanics, but my number has changed, but the first bill I received, just as they promissed, indicates autopay active. Why would it be difficult to re-link existin...
by serbeer
Thu Sep 25, 2014 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 232
Views: 27038

Re: New 2% cash back Mastercard from Citi

I'm thinking about having my wife get this card with the intention of taking advantage of both the 2% and the 15 month 0% APR. She has another Citi card with a high credit limit (> $30k). Does anyone know whether Citibank will allow her to move the credit limit from the pre-existing card to the new...
by serbeer
Thu Sep 25, 2014 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 232
Views: 27038

Re: New 2% cash back Mastercard from Citi

I don't think you can convert and keep the account number the same. Mine changed when I converted, I was warned about it. But they kept existing auto-pay going and divident dollars were transfered. Unless you have dozens of place where you have to change the card number saved, I am not sure what is ...
by serbeer
Thu Sep 25, 2014 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 232
Views: 27038

Re: New 2% cash back Mastercard from Citi

Santosh T. wrote:Oh! But why next week?

Why not?
by serbeer
Fri Sep 05, 2014 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 232
Views: 27038

Re: New 2% cash back Mastercard from Citi

The Sallie Mae Visa can get you 5% at amazon & bookstores/gas/groceries. But monthly purchase limits are $750/$250/$250, after that it's 1%. Sallie Mae does not offer Visa card per their website. Perhaps they did in the past. They have Mastercard with 5% groceries/gas and stated limit (which I ...
by serbeer
Sat Aug 30, 2014 1:19 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 232
Views: 27038

Re: Possible formula error for 'Total-Unbalanced (N) values

Please check formula in cells C77-G77 in the Compare_Portfolios sheet (version 14d). I believe the first cell reference should C$58 through G$58 to index each column rather than $C$58 under the "Total-Unbalanced (N)" values. Confirmed (in version 13 d). Sharp eye Steve. Most people will n...
by serbeer
Fri Aug 29, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 610
Views: 378931

Re: What are you up YTD?

75/25
+7.7%
by serbeer
Tue Aug 26, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 141
Views: 11802

Re: Implementing Two-Factor Authentication for Fidelity Acco

The problem with Yubikey (and the reason I asked Fidelity for Verisign hardware token instead) is that Yubikey requires access to USB port, and while it is avaialble 95% of the time, the remaining 5% I may want to access Fidelity from terminal where the computer itself, and USB port on it is not ava...
by serbeer
Tue Aug 26, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 12312

Re: What assets are protected from state court proceedings?

One more thing... Let's say you have a $2 million umbrella policy like I had. You sell a house that you know has $1 million in defects without disclosing it. Are you saying your insurance company would be obligated to defend you? What an unbelievable "Get out of jail" free card this would...
by serbeer
Thu Aug 21, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1667

Re: Implementing Two-Factor Authentication for Fidelity Acco

Well that's interesting. I have MUCH less than $250K outside of my rollover IRA and rollover Roth IRA and I have two-factor authentication on my accounts. I have way more than $250K in total but the vast bulk of my retirement money is in tax advantaged accounts. Did Fidelity screw up when they gave...
by serbeer
Thu Aug 21, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 12312

Re: What assets are protected from state court proceedings?

I was the victim of a frivolous lawsuit that went on for nearly two years. ... Total bill ended up being about $35,000. If you don't mind me asking, did you have an umbrella insurance at the time? If so, why didn't you let their lawyers handle the case? Yes, I have a $2MM umbrella policy that I hav...
by serbeer
Thu Aug 21, 2014 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1667

Re: What assets are protected from state court proceedings?

epitomist wrote:I was the victim of a frivolous lawsuit that went on for nearly two years. ... Total bill ended up being about $35,000.


If you don't mind me asking, did you have an umbrella insurance at the time? If so, why didn't you let their lawyers handle the case?
by serbeer
Thu Aug 21, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1667

Re: What assets are protected from state court proceedings?

Definately consult an attorney, but in attempt to be more helpful than other responses, I can tell you that in IL, where I live, in civil cases (non-IRS): - 401K,Rollover IRA/Roth, and 529 plans are protected 100% - IRA/ROTH are protected up to $1M - Houses are protected only up to $15K (but obviusl...
by serbeer
Wed Aug 20, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1667

Re: 529 - in-state only up to deduction amount?

Forget about the state tax deduction. You will be living with the fund you chose and its expense ratio for up to 18 years. Pick the best. A one time deduction on only the state taxes is insignificant in the big picture......Gordon Edit...I fund 6 of the 529 plans for grandchildren using the Nevada ...
by serbeer
Tue Jul 29, 2014 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 - in-state only up to deduction amount?
Replies: 9
Views: 664

Re: Which is King: Income Stream or $ Invested

$ invested. Because you can always turn it into income stream through SPIA, but not the other way around (at least not even close to market rate).
by serbeer
Tue Jul 29, 2014 3:46 pm
 
Forum: Investing - Theory, News & General
Topic: Which is King: Income Stream or $ Invested
Replies: 52
Views: 4683

Intersting article: what broker's title can reveal

Interesting article on what information brokerage firm advisor's titles can reveal: http://time.com/money/2987797/a-simple-trick-for-learning-how-much-your-broker-makes/ PS To make this actionable: this can help you figure out how much of personal interst (as opposed to firm's interest) broker has i...
by serbeer
Wed Jul 16, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Intersting article: what broker's title can reveal
Replies: 1
Views: 622

Re: AMT Marginal Tax Rates

Yes, but over AMT tax rates, not ordinary tax rates. See http://thefinancebuff.com/amt-tax-brackets.html for details.
by serbeer
Tue Jul 01, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: AMT Marginal Tax Rates
Replies: 6
Views: 668

Re: Spreadsheet for backtesting (includes TrevH's data)

kcfin, et al: I just posted new revision of the spreasheet (Backtest-Portfolio-returns-rev13d.xls) with minor bug fix recently reported to me. Since the fix is minor, to a single formula for P5 in 1985+ portfolios, if you know enough about Excel, you may want to apply the change to your existing spr...
by serbeer
Tue Jul 01, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 610
Views: 378931

Re: Breastfeeding and baby formula

My wife had similar problems by the 7th month of breastfeeding with each of the kids (we kept it up until each kid was 1yo). [Medical advice removed by admin LadyGeek]

Hope it helps.
by serbeer
Mon Jun 30, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 1299

Re: American Automobile Assn (AAA)

I got international driver license from AAA facility in 2006 for my trip to Spain. I did not need membership at the time, just had to pay a fee ($35?). Are you sure they no longer issue it to non-members. Btw, I did not need the international driver license, they used my US license for all the paper...
by serbeer
Fri Jun 20, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: American Automobile Assn (AAA)
Replies: 51
Views: 3594

Re: Best Homeowners Insurance in IL

Amica
by serbeer
Thu Jun 12, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Homeowners Insurance in IL
Replies: 10
Views: 819

Re: Recommendations on Carpet Cleaning

I vacuum carpets every 2 weeks, and rent RugDoctor from local supermarket for $30 once per year.
by serbeer
Thu Jun 12, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations on Carpet Cleaning
Replies: 10
Views: 1114

Re: Is the first million really the hardest?

The first $500K is the hardest according to previous discussions :)
viewtopic.php?t=77682&postdays=0&postorder=asc&start=0
by serbeer
Thu Jun 12, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is the first million really the hardest?
Replies: 64
Views: 7901

Re: Child Care - 2 or More Children and Strategies to Pay

We only sent kids to daycare after older one reached 3.5yo. Until then, we had a nanny/babysitter that was working 8 hours a day (we shifted/overlapped my and wife's hours to minimize nanny hours since there is travel to/from work and lunch hours that would add about 1.5/2 hours without such shift)....
by serbeer
Thu Jun 05, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child Care - 2 or More Children and Strategies to Pay
Replies: 46
Views: 3547

Re: MSN money stock quotes not updated?

I switched to using SMF plug-in, available from one of the Yahoo Groups. Detailed instructions are here:
http://seekingalpha.com/instablog/32647 ... -for-excel
by serbeer
Thu May 08, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: MSN money stock quotes not updated?
Replies: 3
Views: 367

Re: Spreadsheet for backtesting (includes TrevH's data)

I think that total return is used and it includes both capital appreciation and dividends.
by serbeer
Mon May 05, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 610
Views: 378931

Re: Implementing Two-Factor Authentication for Fidelity Acco

I got the hardware token from Fidelity (which was not easy, they seem to prefer people to use software on the phone instead and I was told there are minimum account balance requirements though I was not told what they are--but I met them). The funny thing is, access to the site using Net Benefits po...
by serbeer
Thu May 01, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 12312
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