Search found 34 matches

by CorradoJr
Fri Feb 17, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Car windshield wipers - go cheap or better?
Replies: 15
Views: 1271

Re: Car windshield wipers - go cheap or better?

Get a silicone blend beam-type blade. They never squeak or chatter and last for years before needing replacement. Rain-X Latitude or similar are about $15-20 each and widely available at Walmart. Replacing 1x every 2-3 years will be cheaper in the long run vs. a cheaper blade needing replacement eve...
by CorradoJr
Fri Feb 17, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Subaru Forester - Harsh ride
Replies: 21
Views: 2172

Re: Subaru Forester - Harsh ride

What are you comparing the ride and noise level to? Subaru is not known for having a nice ride or noise levels. Looking at objective interior noise dba levels, it is 4-5 dba louder than Tier 1 german brands. Softer compound tires, larger sidewall tires, new suspension components, and interior sound ...
by CorradoJr
Tue Jan 24, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax is playing games again.
Replies: 52
Views: 9367

Re: TurboTax is playing games again.

We end up giving a lot of stuff to Goodwill and others. (another entire thread could be devoted to why my wife has so much to donate, but let's not go there. Not to mention kids outgrowing various items). One thing nice about TurboTax deluxe is the built in tool for valuing a jacket or a pair of sh...
by CorradoJr
Tue Jan 24, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: When to proactively replace water heater
Replies: 60
Views: 5910

Re: When to proactively replace water heater

This might be a good time to consider a (gas) tankless water heater if the situation is right.

Just 2 of us in our house, but the hot water is endless. Take a shower, run the clothes washer, dishwasher, and use the kitchen sink all at the same time if you wish....
by CorradoJr
Tue Jan 17, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: Reflectors to reflect only tail lights (or battery LED motion strip)
Replies: 26
Views: 1482

Re: Reflectors to reflect only tail lights

Depending on the car, it might be possible to retrofit an OEM or 3rd party backup camera.
by CorradoJr
Tue Jan 17, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Where to get HID (Xenon) kit?
Replies: 20
Views: 1384

Re: Where to get HID (Xenon) kit?

Option #1. Go to a reptuable place like TireRack.com and buy a set of "auxilliary driving" or "fog" lights from a good brand such as Hella or PIAA. It will cost about the same, although you will need to have them wired up. Including a switch and relay. At the end of the day, you ...
by CorradoJr
Fri Jan 13, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 61061

Re: TIPS - Did you give up?

Wanted to bump this back up as I have a question for the group as I un unsure how to proceed in my portfolio. I hold taxable funds and also have a (for me) sizeable Traditional IRA that is split approximately 60% Total Bond Index and 40% TIPS fund. As a result of a recent transfer, I have another ch...
by CorradoJr
Sun Jan 08, 2017 8:14 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 4123

Re: No Vanguard Customer Support on weekends

I bet the employees love the weekends off. Good for morale. I like my weekends off. I don't invest with Vanguard because they have good employee morale. Its clear this is a cost-cutting move, and has little to do with creating a "high-performing, highly engaged workforce." The upward mobi...
by CorradoJr
Sun Jan 08, 2017 7:59 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 4123

Re: No Vanguard Customer Support on weekends

I bet the employees love the weekends off. Good for morale. I like my weekends off. I don't invest with Vanguard because they have good employee morale. Its clear this is a cost-cutting move, and has little to do with creating a "high-performing, highly engaged workforce." The upward mobi...
by CorradoJr
Sun Jan 08, 2017 7:55 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 4123

Re: No Vanguard Customer Support on weekends

. I met with an advisor from each. The Fidelity advisor kept throwing up roadblocks and fees to do the transfer. The advisor told the truth, and nothing but the truth, but not the whole truth about certain items, kind of a sales orientation rather than a helpful orientation. With the Vanguard advis...
by CorradoJr
Sun Jan 08, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 4123

Re: No Vanguard Customer Support on weekends

I'll chime in, I am a long-time Vanguard investor who is getting increasingly irritated with the (lack of) customer service from Vanguard. First, they closed their investment branches. I believe they left their token HQ branch open for a few years longer, then did away with it entirely. They used to...
by CorradoJr
Sun Dec 25, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Am I being smart with this car purchase?
Replies: 58
Views: 4921

Re: Am I being smart with this car purchase?

For the record, the i3 is not necessarily an "all electric" vehicle. Range extender models (which it sounds like you are in the process of purchasing based on price) have a 2 cylinder 650cc gasoline engine.
by CorradoJr
Mon May 16, 2016 9:06 am
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 156
Views: 24128

Re: I bought the wrong car - know it after 15 days

Is the Acura TSX really considered a "luxury" car? I see those things all the time and the first thing that comes to mind is "sporty Honda." In the Auto industry, most talk of "Luxury Tiers" Tier 1 Luxury includes the usual players: Mercedes Benz, BMW, Lexus, (the Big ...
by CorradoJr
Thu May 12, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: Quality; shower hardware where to find it?
Replies: 23
Views: 1697

Re: Quality; shower hardware where to find it?

Try California Faucets http://www.calfaucets.com or Rohl/Perrin & Rowe http://www.Rohlhome.com Solid brass, user serviceable parts, lifetime warranty, and will last for 100 years. I did a modest bath remodel and wanted to have nice quality fixtures. After a lot of searching, we settled on these ...
by CorradoJr
Mon May 09, 2016 6:56 am
Forum: Investing - Theory, News & General
Topic: International Funds Worth it?
Replies: 52
Views: 7337

Re: International Funds Worth it?

Am I missing something? Because I am not sure why international stocks are worth it as they seem to provide very little return. By contrast, the Vanguard 500 and Mid caps provide over 10% return on average 3 years and up. http://i.imgur.com/xhJuAU5.jpg Source: Fidelity Investments I am trying to be...
by CorradoJr
Mon May 02, 2016 9:41 pm
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 156
Views: 24128

Re: I bought the wrong car - know it after 15 days

What model did you get, and which package? Did you get Sport seats or any other options? Which part of the seat is uncomfortable? There are a few ways to fix this if you like the rest of the car. A good car upholsterer or customizer can add or remove seat foam to make things more comfortable. You m...
by CorradoJr
Mon May 02, 2016 7:01 pm
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 156
Views: 24128

Re: I bought the wrong car - know it after 15 days

What model did you get, and which package? Did you get Sport seats or any other options? Which part of the seat is uncomfortable? There are a few ways to fix this if you like the rest of the car. A good car upholsterer or customizer can add or remove seat foam to make things more comfortable. You ma...
by CorradoJr
Mon May 02, 2016 9:14 am
Forum: Investing - Theory, News & General
Topic: A Vanguard Target fund deconstructed - pros/cons?
Replies: 33
Views: 3283

Re: A Vanguard Target fund deconstructed - pros/cons?

After reviewing things a bit more, my wife has access to the Target Retirement 2040 Trust II through her 401k plan, which has a very low 0.08 ER. This makes me feel a bit better about missing out on DIY 3 or 4 fund portfolio with Admiral shares. I do not have the same great funds, so I may explore a...
by CorradoJr
Sat Apr 30, 2016 9:35 pm
Forum: Investing - Theory, News & General
Topic: A Vanguard Target fund deconstructed - pros/cons?
Replies: 33
Views: 3283

Re: A Vanguard Target fund deconstructed - pros/cons?

I would feel much better if my returns were higher....International has been absolutely terrible for 10 years. It becomes hard to justify for so long, and even more so when Vanguard has increased International exposure over the years in the Target funds. Most who invest in the Target 2030-2050 funds...
by CorradoJr
Sat Apr 30, 2016 2:23 pm
Forum: Investing - Theory, News & General
Topic: A Vanguard Target fund deconstructed - pros/cons?
Replies: 33
Views: 3283

Re: A Vanguard Target fund deconstructed - pros/cons?

This discussion is relevant to me, I am in the Target 2040 fund and have slowly saved up over a number of years in my Roth IRA. I would consider myself a knowledgeable investor but also have "fund OCD." I prefer simplicity and this is my only fund, however I dislike the high international ...
by CorradoJr
Thu May 15, 2014 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in a taxable account with muni funds?
Replies: 1
Views: 401

Rebalancing in a taxable account with muni funds?

I am trying to assist my mother with rebalancing, she is looking to change her asset allocation and move more into bonds as she is now in her mid 60s. She has expressed to me she does not like paying lots of taxes on her dividends and capital gains in her taxable account (she is in the 25% federal b...
by CorradoJr
Fri May 10, 2013 7:39 am
Forum: Investing - Help with Personal Investments
Topic: Effect of MRD on AA?
Replies: 2
Views: 338

Effect of MRD on AA?

I am assisting my mother with her portfolio as she nears full retirement, but have a general question on how MRDs can shift AA. For example, she has roughly a 50/50 portfolio set-up as follows: 50% Taxable (3 fund equity index portfolio), roughy $300k 50% Tax-advantaged ($50k ROTH and $250k Traditio...
by CorradoJr
Wed Feb 06, 2013 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Contribute to Roth or attack debt?
Replies: 5
Views: 507

Contribute to Roth or attack debt?

I am looking for insight on how to proceed with my personal finances. To make a long story short, we incured approximately $100k in credit card debt in 2008/2009 to self-finance a home renovation. (This was foolish and I have since learned many things since those times.) We are down to paying the la...
by CorradoJr
Thu Jul 19, 2012 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: 403b rollover to IRA
Replies: 5
Views: 526

Re: 403b rollover to IRA

The real question is where the choices in the 403(b) are as good or better than an IRA. Without that information, it's difficult to say whether it makes sense to roll it over or not. Brian Good point - Her 403b plans do not allow Admiral class shares. The reason we want to rollover is so she can ta...
by CorradoJr
Thu Jul 19, 2012 8:25 am
Forum: Investing - Help with Personal Investments
Topic: 403b rollover to IRA
Replies: 5
Views: 526

403b rollover to IRA

I am helping my 65 year old mother rollover her $170k 403b plan to an IRA at Vanguard. I've done lots of research, but most of my background comes from the old-school (before the 2001 EGTRRA rules) on Rollover IRAs, so my thinking is flawed, and I'm seeking futher help! She is semi-retired and in ad...
by CorradoJr
Sun May 06, 2012 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my Semi-Retired Mother's Portfolio
Replies: 17
Views: 1479

Re: Help with my Semi-Retired Mother's Portfolio

Just a few updates, and thanks again to all those assisting me with this process: I made a few changes, here is the current portfolio, aiming for 35/65 stock/bond in the end. Got rid of the Retirement 2010 funds in the IRAs and also the Total Bond in the taxable account. Current portfolio is approxi...
by CorradoJr
Sun Apr 29, 2012 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my Semi-Retired Mother's Portfolio
Replies: 17
Views: 1479

Re: Help with my Semi-Retired Mother's Portfolio

Corradojr, you mentioned not reinvesting any more dividends in the bond fund, but you really have not said much about what the unrealized gain is (remember that the dividends have already been taxed). Since bonds don't go up that much in value, she might be able to sell it for just a little tax and...
by CorradoJr
Sun Apr 29, 2012 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my Semi-Retired Mother's Portfolio
Replies: 17
Views: 1479

Re: Help with my Semi-Retired Mother's Portfolio

I must confess i first read the title as "semi-retarded mother", and I am a terrible person :oops: Anyway, how does her income compare to her expenses, is she still, on net, saving, or dissaving? Is the money market money considered part of her "retirement portfolio" or earmarke...
by CorradoJr
Sun Apr 29, 2012 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my Semi-Retired Mother's Portfolio
Replies: 17
Views: 1479

Re: Help with my Semi-Retired Mother's Portfolio

Hello, I am reaching out to the Boglehead community for assistace with my semi-retired mother's portfolio. She is 64 years old. I have been working with her for several years to try and consolidate all of her assets at Vanguard, including moving her IRAs from Fidelity. Current objectives: 1. Determ...
by CorradoJr
Fri Apr 27, 2012 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Use 0% Credit Card Convenience Checks to Invest?
Replies: 8
Views: 2079

Re: Use 0% Credit Card Convenience Checks to Invest?

What about Regulation T, which usually limits buying securities on margin (ie. credit?)
by CorradoJr
Fri Apr 27, 2012 1:28 pm
Forum: Investing - Theory, News & General
Topic: what price do you get?
Replies: 43
Views: 4820

Re: what price do you get?

Open-ended mutual funds are almost always forward-priced. As long as the trade is entered before 4:00pm EST, you will get that day's closing price.
by CorradoJr
Fri Apr 27, 2012 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Help with my Semi-Retired Mother's Portfolio
Replies: 17
Views: 1479

Re: Help with my Semi-Retired Mother's Portfolio

Hi Pennstateclj1, thanks for your feedback! Here are a few followup questions based on your comments: 1. For the Roth and Traditional IRA, is there any specific reason to keep the R-IRA invested in Total Bond, and the T-IRA in TIPS? 2. She is in the 25% tax bracket if that helps with the tax issue. ...
by CorradoJr
Thu Apr 26, 2012 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my Semi-Retired Mother's Portfolio
Replies: 17
Views: 1479

Re: Help with my Semi-Retired Mother's Portfolio

A couple of questions/points: 1. What are the other options in the 403b, and the expense ratio? Is she still working at the company that provides the 403b? At her age, some plans allow in-service rollover. Is she still contributing? Does she get a match? She was a teacher and has separated from her...
by CorradoJr
Thu Apr 26, 2012 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Help with my Semi-Retired Mother's Portfolio
Replies: 17
Views: 1479

Help with my Semi-Retired Mother's Portfolio

Hello, I am reaching out to the Boglehead community for assistace with my semi-retired mother's portfolio. She is 64 years old. I have been working with her for several years to try and consolidate all of her assets at Vanguard, including moving her IRAs from Fidelity. Here is a current breakdown of...

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