Search found 2581 matches

by 123
Tue Dec 12, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Reading WSJ - any ios vs android app differences?
Replies: 1
Views: 106

Reading WSJ - any ios vs android app differences?

As a long time read of the Wall Street Journal I am trying to change over to the online versions. While I read a lot of it online using the app on my android phone I find that I still get more out of it if I review the print copy or the pdf version of it on the web, there just seems to be stuff that...
by 123
Tue Dec 12, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: South American bank interest rates question
Replies: 10
Views: 740

Re: South American bank interest rates question

Not a direct response to your question but some web research indicates there is a 5% government tax on funds transferred out of Ecuador (there may be bank fees as well). So for every $100 deposited you only get $95 (or less) of principal back, transfer tax would also apply on interest. Their governm...
by 123
Tue Dec 12, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Quantity of places to hold assets
Replies: 8
Views: 494

Re: Quantity of places to hold assets

We've ended up with Fidelity, Schwab, and Vanguard for our various accounts. We also use Ally Bank for a couple of CDs. We see two reasons to hold accounts at multiple firms, one is to avoid a total loss of access should one firm have "cyber troubles" and the other is that we like the privacy afford...
by 123
Tue Dec 12, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Microwave - Reliable built-in with vent?
Replies: 11
Views: 583

Re: Microwave - Reliable built-in with vent?

...I need to get one to fit the cabinet that the old one is built into and that's a big problem. I can find one, but the mounting kit is more than the oven itself... When we remodeled a kitchen having a built-in microwave seemed to be the biggest problem area. The mounting kids were indeed very exp...
by 123
Tue Dec 12, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: 401K question
Replies: 3
Views: 206

Re: 401K question

401K limits are per person annually.
by 123
Tue Dec 12, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Which of these 2 add-on IRA CD would you choose
Replies: 1
Views: 121

Re: Which add-on IRA CD would you choose

As a replacement for an existing component of the fixed-income portion of your asset allocation I would recommend the variable rate CD. The variable rate CD seems like it would reduce interest rate risk more then a fixed-rate CD.
by 123
Mon Dec 11, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Gift Card From Employer
Replies: 13
Views: 1261

Re: Gift Card From Employer

IRS guidelines generally provide that all remuneration from an employer to employees is considered to be wages (taxable) and would be included as such on a W-2. There are some exceptions for de minimis situations and some service awards. $1,000 would count as wages. The presumption is that pretty mu...
by 123
Sun Dec 10, 2017 12:19 am
Forum: Personal Finance (Not Investing)
Topic: How can someone who earns 500k/yr in w2 be in 25% tax bracket?
Replies: 17
Views: 2524

Re: How can someone who earns 500k/yr in w2 be in 25% tax bracket?

He may be a poorly organized business person who relies on people who don't know what they're doing causing losses on most things that he tries.

Perhaps he's trying to make a silk pure out of a sow's ear.
by 123
Sat Dec 09, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Cost to ship a car internationally
Replies: 8
Views: 624

Re: Cost to ship a car internationally

I would agree that safety and emission regulations will potentially cause more grief and expense then they are worth. And some cars manufactured for use in some foreign countries may have safety and emission features that are superior to what may be required in the US. But it doesn't matter if the f...
by 123
Sat Dec 09, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 877

Re: carefirst or Kaiser Rockville Md

Based on their web page it appears that CareFirst is a Blue Cross/Blue Shield type of insurance which generally allows you to use any physician that accepts their coverage (payment levels). With Kaiser you are in an HMO type plan and limited to their physicians and facilities. If they have existing ...
by 123
Sat Dec 09, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Need to invest adult siblings trust money
Replies: 25
Views: 1794

Re: Need to invest adult siblings trust money

Does the trust provide that the principal goes directly to the adult siblings at any age or does their share of the trust go elsewhere upon their deaths? I would suspect that an asset allocation of 50% Stock and 50% Bond/fixed income would be regarded as reasonable and conservative for this type of ...
by 123
Sat Dec 09, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2215

Re: What MPG App Do You Use To Track Fuel Usage ?

I also have a little notebook kept in the glove compartment where I religiously log gas purchase price quantity and mileage. I annotate the entries when I change or add oil or check tire pressure. With trip odometer reset each fill-up I know how far I've traveled on the fuel utilized. Been doing it ...
by 123
Sat Dec 09, 2017 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Do you have any guilty pleasure investments?
Replies: 53
Views: 2898

Re: Do you have any guilty pleasure investments?

I have a small position in an iShares foreign country ETF that follows the stock market of my ancestral homeland. Makes me remember where my family came from whenever I look at my account or get an account statement. It provokes thought into the current economy of that country. I was surprised to fi...
by 123
Sat Dec 09, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons why not to shorten target fund
Replies: 9
Views: 523

Re: Reasons why not to shorten target fund

...I am considering moving my wife's 2025 plan to 2020 . What are the downfalls, Beside the losing out on a continued run up in the 'stock market'. That's a downfall only if there is a continued run up in the 'stock market'. The run up could stop or reverse at any time. How much risk do you want to...
by 123
Fri Dec 08, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 76
Views: 3889

Re: Moto G5 Plus: Software updates?

My Moto G5 Plus arrived from Costco about a week ago but I just got around to activating it yesterday. I upgraded from a 2 year-old Moto E (2nd gen). I've been on pay-as-you-go TracFone my entire smartphone life. I mostly use wi-fi so their 3 month smartphone plan works great for me. Occasionally I ...
by 123
Fri Dec 08, 2017 6:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Investment Advice
Replies: 34
Views: 3618

Re: Vanguard Investment Advice

Over the years I've used a lot of risk calculators at Vanguard, Fidelity, Schwab etc and the results I usually get come reasonable close to a suitable Target Retirement Fund or one of the LifeStrategy type funds (depending on how I tweak the question responses). So that tells me that their models ar...
by 123
Fri Dec 08, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5733

Re: It's that time of year again... buying christmas gifts

We're not too much into Christmas gifts on Christmas Day. We start somewhat earlier. Starting around October we believe it's reasonable to start the Christmas giving between myself and spouse. If we buy ourselves something (which might includes things that might be viewed as unnecessary or indulgenc...
by 123
Wed Dec 06, 2017 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Non-US domiciled funds that trade in USD
Replies: 8
Views: 669

Re: Non-US domiciled funds that trade in USD

There's a whole list of iShares funds in USD that are domiciled in Ireland like your existing choices. Have you checked them out?

https://www.ishares.com/uk/individual/e ... &view=list
by 123
Wed Dec 06, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 56
Views: 6848

Re: House on the market less than a day. Did listing agent commit fraud?

...The listing agent never even put a sign in front of the house.... There is no requirement that a "for sale" sign be placed in front of a house for sale, it is optional. Often listing agents ask the sellers if it is okay to put a sign in front of the house. Many people may not want a public sign ...
by 123
Wed Dec 06, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 163
Views: 9111

Re: Do people still use AAA?

We had AAA for over 20 years. I got it after I had a tire blow-out on the way to work. For that blow-out I had to call a regular tow service because I had to wear a suit to work and didn't have an alternate wardrobe in my car so any stain or tear would have cost me more then the cost of AAA. I've ha...
by 123
Wed Dec 06, 2017 6:37 pm
Forum: Investing - Theory, News & General
Topic: "Financial Shock" wealth
Replies: 33
Views: 6083

Re: "Financial Shock" wealth

Another flavor of the same theme is how much of a particular investment is it "worth it to you" to invest in. As in the article for some a decision about $1,000 is important, for others it might be $10K. $100K, $250K, $500K, $1M or maybe more more. When I think about it I guess I use the general rul...
by 123
Tue Dec 05, 2017 10:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard or Betterment for our company 401k plan?
Replies: 10
Views: 1276

Re: Vanguard or Betterment for our company 401k plan?

As much as I fully endorse Vanguard and pretty much everything they do I think that if you are a younger company, with younger employees, you'll get better/higher participation with Betterment. With young folks Vanguard comes across as "their dad's" 401k/investment provider. Betterment is on the cur...
by 123
Tue Dec 05, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Received promotion offer at work and trying to negotiate the pay increase portion.
Replies: 31
Views: 2275

Re: Received promotion offer at work and trying to negotiate the pay increase portion.

... I'm curious what my options are now at this point. As I see it they are listed below: 1) Accept and sign the promotion letter and go on with my life. 2) Accept and sign but be more receptive to outside offers. 3) Decline the promotion and hope that they counter but be prepared to move on if thi...
by 123
Tue Dec 05, 2017 1:23 am
Forum: Personal Consumer Issues
Topic: Week in San Diego over Christmas
Replies: 17
Views: 1090

Re: Week in San Diego over Christmas

Legoland is ideal for your kids of age 8 and 4. There's a good chance they will love it. For kids under 10 Legoland is probably a far more enjoyable place then Disneyland. Sure Disneyland gets a lot of publicity but our kids were much happier at Legoland. Legoland is kid-sized in just about every wa...
by 123
Mon Dec 04, 2017 11:52 pm
Forum: Personal Consumer Issues
Topic: How much do you need to drive a car to keep battery charged and everything else OK?
Replies: 36
Views: 2723

Re: How much do you need to drive a car to keep battery charged and everything else OK?

How much do you need to drive a car to keep battery charged and everything else OK? I know there are other reasons to drive a car regularly, other than just the battery, but I don't know what they are. I have a 2003 Toyota Camery that I don't use much. If I just drive it once a week to the grocery ...
by 123
Mon Dec 04, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4580

Re: selling an older car on eBay-no bites!

Relax eventually you will get an over-asking offer for the car from someone in Nigeria. They will then send you a check for more then their offer by accident and then ask you to send part of the excess back. They may even say they will send somebody over to pick up the car.
by 123
Mon Dec 04, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance - Cancel or Keep?
Replies: 9
Views: 899

Re: Whole Life Insurance - Cancel or Keep?

Always have your new policy in force before you cancel your old policy. Edited to add: I believe the IRS allows the conversion of a life insurance policy (including VUL) to an annuity. (Vanguard offers low cost annuities). By converting the policy to an annuity I believe a great deal of the insuranc...
by 123
Mon Dec 04, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: About to take out Term Life Insurance - Questions for Bogleheads
Replies: 11
Views: 1070

Re: About to take out Term Life Insurance - Questions for Bogleheads

Revised post:

In a post from Dec 2016 the OP indicated "Currently my wife and I live in Asia (in fact have been outside the USA for 8 years) but expect to return to the USA within the next 5 years." Residence may be a factor in insurance rates/issuance.
by 123
Sun Dec 03, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Card declined - blocked country
Replies: 49
Views: 3154

Re: Card declined - blocked country

I would speculate that it's due to one of two situations. The issuer of the credit card, the credit union, may be able to restrict where the can/cannot be used, I wouldn't know how precise that geographic limitation might be (continent, region, country, etc) but I would imagine that the credit card ...
by 123
Sun Dec 03, 2017 1:47 am
Forum: Investing - Help with Personal Investments
Topic: cash out pension or no?
Replies: 9
Views: 1151

Re: cash out pension or no?

On most pension lump-sum payouts standard interest rates (determined by the IRS) apply for different periods of time into the future. If the lump-sum payout calculations use these rates the amount of lump-sum payout will change based on the rates in effect at the time of the payout. These difference...
by 123
Fri Dec 01, 2017 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Reached 4M target. Taking money off table. Advice?
Replies: 100
Views: 13579

Re: Reached 4M target. Taking money off table. Advice?

You don't indicate a particular direct interest in investing or picking stocks but over 80% of your portfolio is individual stocks. How many different individual stock holdings do you have to monitor? How did you get them? Are you/have you been involved with a financial adviser? Do you pay an AUM fe...
by 123
Thu Nov 30, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 36
Views: 4514

Re: Are plasma TV's gone forever?

We loved our Panasonic plasma until it passed away. It used a lot of power, it helped to keep the chill out of the room it was in. It took us awhile to figure out that the infrared heat from the plasma screen was interfering with the operation of our cable remote but we developed a work-around for t...
by 123
Thu Nov 30, 2017 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell some of my Berkshire stock
Replies: 31
Views: 2797

Re: Should I sell some of my Berkshire stock

We recently sold a BRKB position we held in an IRA. I wish it would have been in a taxable account, your situation sounds ideal. We just used the proceeds to increase our Vanguard Total Market position.Warren has undoubtedly been good to you. Say goodbye to BRKB before we have to say goodbye to Warr...
by 123
Thu Nov 30, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Switching investments between tax-deferred and taxable
Replies: 2
Views: 225

Re: Switching investments between tax-deferred and taxable

... I would even sell something about to lose money if held in a Roth and buy in a tradtional IRA because I don't like to lose money in a Roth AND if the traditional IRA loses money, then I will pay less tax when it comes time to do a Roth conversion or withdrawal. Thank you very much for this insi...
by 123
Thu Nov 30, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Switching investments between tax-deferred and taxable
Replies: 2
Views: 225

Switching investments between tax-deferred and taxable

I know our common wisdom is to hold bond/fixed-income investments in tax-deferred accounts and to hold stock investments in taxable accounts. In the past I haven't adhered strictly to that for a variety of reasons. Due to a confluence of events including CD maturities and a small windfall we have a ...
by 123
Wed Nov 29, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Problems with Medical Alert
Replies: 8
Views: 545

Re: Problems with Medical Alert

Does the credit card used for the purchase have any type of warranty extension, product warranty, or purchase protection benefit? Separate from that she could protest the charge with the credit card company since the company did not comply with the terms of the guarantee or warranty she thought she ...
by 123
Wed Nov 29, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Individual vs Joint Account
Replies: 2
Views: 279

Re: Individual vs Joint Account

Where you hold the investment you've chosen can also make a difference. Some prior threads on this site have discussed how you can name beneficiaries at Vanguard if you have an individual account but that Vanguard does not provide for beneficiaries for joint accounts. Other brokerages, like Schwab, ...
by 123
Wed Nov 29, 2017 7:12 pm
Forum: Investing - Theory, News & General
Topic: Investing for an elderly parent
Replies: 11
Views: 972

Re: Investing for an elderly parent

I have assisted elderly relatives with their accounts and investments over the years. Once someone is in their mid 80's I think there's not much reason to take equity risk unless they have enough separate fixed income assets/dividends to meet their expected needs. Even then I would think they probab...
by 123
Wed Nov 29, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Solid Surface Shower Walls and Pan
Replies: 11
Views: 1815

Re: Solid Surface Shower Walls and Pan

...Also, can a frame-less glass door and or wall be used? I'm looking to have solid walls on 2 sides, and a half with glass on the 3rd. We used this configuration on one bathroom in our remodel with a frame-less glass door. It worked out okay. The advantages in our situation was the glass (includin...
by 123
Wed Nov 29, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor created potential Roth IRA issue
Replies: 11
Views: 1152

Re: Financial Advisor created potential Roth IRA issue

Bad advice removed. Edited to add: Depending on your work and earnings history, as well as the pattern of your own legitimate Roth contributions, you may want to see how this initially bogus Roth account would potentially be handled if you simply treated it as an "Excess contribution". There are pro...
by 123
Tue Nov 28, 2017 1:37 am
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 34
Views: 2531

Re: Kidde fire extinguisher recall

I filled out the on-line recall form a couple of weeks ago. Today I got an email from Fedex indicating my replacement fire extinguisher from Kidde was on the way. Fedex was able to notify me because I have a notification account with Fedex (free) that lets me manage by Fedex deliveries. With many Fe...
by 123
Mon Nov 27, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting a large sum, slightly intimidated.
Replies: 51
Views: 5136

Re: Inheriting a large sum, slightly intimidated.

Button your lips. Don't tell a soul about the windfall. People will expect you to help them directly or pick up the total tab for entertainment etc and you won't know who your "real" friends are.
by 123
Mon Nov 27, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: I have Microsoft Office 2007. Should I upgrade?
Replies: 37
Views: 1861

Re: I have Microsoft Office 2007. Should I upgrade?

We have Microsoft Office 2007 on a couple of desktops at home. I've successfully upgraded the OS from XP and Vista through Windows 7, and Windows 10. I've been able to reinstall Microsoft Office 2007 each time and it works just fine. We just don't see any problems with it. It does what we need it to...
by 123
Mon Nov 27, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Etiquette of converting to exempt status
Replies: 18
Views: 1412

Re: Etiquette of converting to exempt status

My first impression is that you should begin a search for alternative employers in your area. Based on a monthly salary as an "exempt" based on 174 hours of work monthly it looks like they are just avoiding the payment of any overtime if your present standard work schedule is 40 hours a week. You ma...
by 123
Sun Nov 26, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9294

Re: What did you do right?

I have never carried any debt other then home mortgage (even then we put 50% down). Paid cash for cars. Have always used credit cards as a convenience and paid off credit card bills in full every month for 30+ years. It just has always felt really good not really owing any money and not being on "th...
by 123
Sun Nov 26, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3205

Re: The annoying insistence on frivolous credit checks/pulls

3) An application for a savings account at an online bank was placed on hold because a credit check did not pass. This seems to be the most annoying of them all, because I can't understand how opening a savings account requires credit history. It's not like I'll be delinquent on paying them.. becau...
by 123
Sun Nov 26, 2017 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Estimating Cost basis
Replies: 6
Views: 360

Re: Estimating Cost basis

You can always use a cost basis of zero as an option. It's unlikely the IRS would dispute that since it would maximize the tax. If you have extraordinary gains using a cost basis of zero might be the most expedient solution, it really depends on how much time you have to put into research. Edited to...
by 123
Sat Nov 25, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 5545

Re: Etiquette question: Paying for meals out & out of town guests

If the guest suggests we go out to dinner and then doesn't pick up the entire bill and provide hospitality to the "host" it strikes me that maybe they are saying (implied) that they didn't like the food the host provides and maybe going out to eat with everyone providing for their own meal would be ...
by 123
Sat Nov 25, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 34
Views: 2531

Re: Kidde fire extinguisher recall

Maybe you can let the kids have some fun. Wonder what the manufacturer would say if a couple of the units came back partially discharged? I agree it would be interesting to be able to use them just for practice. However if the nature of the problem is the plastic handle control top perhaps it's too...
by 123
Fri Nov 24, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: Costco Appliance Sales
Replies: 4
Views: 773

Re: Costco Appliance Sales

While I haven't paid attention to Costco appliance sales I know that Sears has major appliance sales around most major holidays, Thanksgiving, Christmas/New Years, Memorial Day, 4th of July, and Labor Day. I think Home Depot and Lowes pretty much follow the same pattern. Edited to add: Best Buy has ...