Search found 70 matches

by CorradoJr
Thu Dec 14, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Employer incorrectly withheld FICA for 2014-2015, do I need to refile?
Replies: 2
Views: 275

Employer incorrectly withheld FICA for 2014-2015, do I need to refile?

I received an interesting letter from my megacorp employer (whom I no longer work for). The letter states that in 2014-2016, my HSA benefit deduction was incorrectly classified as a post FICA tax deduction. It goes on to say as a result my wages subject to FICA taxes were over-reported and I had exc...
by CorradoJr
Wed Nov 01, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: Ultra-Short Term Bond (VUBFX) large drop
Replies: 14
Views: 1922

Ultra-Short Term Bond (VUBFX) large drop

Yesterday this fund dropped 0.20% which seems relatively uncommon - it has moved in a very narrow range between $9.99 - $10.03 for the past few years.

There was a distribution yesterday which may have accounted for some of the drop - am I missing out on something else?
by CorradoJr
Tue Oct 03, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: VWEHX High-Yield Corporate bond
Replies: 26
Views: 1731

Re: VWEHX High-Yield Corporate bond

OP, can we get the parameters again? You're "willing" to accept a 1-2% loss, but what do you think is an acceptable probability of a 5% loss? With a 10/90 allocation between equities and fixed income, you'll have an expected return of about 2%, an 84% chance of not losing anything and a 97.5% chanc...
by CorradoJr
Mon Oct 02, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: VWEHX High-Yield Corporate bond
Replies: 26
Views: 1731

Re: VWEHX High-Yield Corporate bond

Looks like with dividends reinvested VWEHX has had 2 years with a loss of 2% or greater since 1985. But that includes -21.29% in 2008. Using backtest portfolio. There is a risk. Thanks for all the replies so far. To be clear, I would not invest and walk away for a year - I would perhaps DCA in over...
by CorradoJr
Mon Oct 02, 2017 7:23 am
Forum: Investing - Help with Personal Investments
Topic: VWEHX High-Yield Corporate bond
Replies: 26
Views: 1731

VWEHX High-Yield Corporate bond

I have a small pile of money ($10k) that I'd like to take a risk with for exactly 1 year. I have a small appetite for losing 1-2%, but hopefully looking for something more generous than the 1.2% I can get with an online savings account. I'm thinking junk bonds may be a solution, and possibly VWEHX m...
by CorradoJr
Mon Oct 02, 2017 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6615

Re: Are credit cards rewards worth it?

Yes, for me they are absolutely worth it. Citi even has a counter right on their website of how much "cash-back" you've accumulated so far which is great. I am not a big spender and dont try to game the system (so-called manufactured spending), and have over $1000 cash back ao far since I opened the...
by CorradoJr
Thu Aug 31, 2017 7:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 18389

Re: [Are the Bogleheads] getting less interesting?

I am tired of auto/car threads. There are times where every 10th thread is about cars. These fall into several categories: 1. I've been a good boy, is it ok if I spend my money on X car? a. I don't care, I'm getting a Mercedes, BMW, or Audi. b. My Hyundai/Toyota/Honda/Kia really is the same as a lux...
by CorradoJr
Tue Aug 01, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Auto Battery
Replies: 31
Views: 3100

Re: Auto Battery

so are batteries sold by auto dealers the same ones that come in the car when new? am wondering if it would be better to replace dead battery with new one from dealer versus from another source? does anyone have experience replacing dead battery with battery from the dealer and the replacement batt...
by CorradoJr
Tue Aug 01, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Auto Battery
Replies: 31
Views: 3100

Re: Auto Battery

I would avoid getting auto batteries at Wally World. While I have no prove of this, I have a feeling they push their suppliers to only use just barley enough essential battery material to have the battery barley perform correctly. Sorta like they do with "exclusive" tire contracts with certain supp...
by CorradoJr
Mon Jul 17, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Refinance HELOC or Refinace mortgage or ???
Replies: 4
Views: 496

Re: Refinance HELOC or Refinace mortgage or ???

Thanks for the replies so far - any thoughts on my next steps?

Pay down the HELOC, max out my 401ks instead, etc?
by CorradoJr
Sun Jul 16, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance HELOC or Refinace mortgage or ???
Replies: 4
Views: 496

Refinance HELOC or Refinace mortgage or ???

Over the past 6-8 years, I have been working to improve my credit score and wife's credit score. Lately we are both in the 840-850 range with about 20 types of credit vehicles (mortgage, HELOC, auto loan, student loans, credit cards, store cards, etc.) Looking for some advice on my best course of ac...
by CorradoJr
Wed Jun 28, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: New child - what type of accounts to open?
Replies: 8
Views: 826

Re: New child - what type of accounts to open?

Thanks for the replies so far. To answer a few questions: For the logistics, How do I deposit checks in the child's name into their account? (Sorry if this sounds basic). Amounts so far are a few hundred here and there from family. Perhaps I will make a "matching contribution" :happy For 529 account...
by CorradoJr
Wed Jun 28, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: New child - what type of accounts to open?
Replies: 8
Views: 826

New child - what type of accounts to open?

My wife and I just had our first child, and I have have friends and relatives wanting to give gifts of money. I live in PA and have been considering a 529 as well as some type of savings account (from the local Credit Union.) Please critique my logic here. Even though we do not max our 401k (we DO t...
by CorradoJr
Sat Jun 24, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 2617

Re: Cars my only weakness, make me feel bad!!

I go in looking for cars around 30-35k with decent ratings in safety, HP, and some features, and get sucked into MORE Horsepower, MORE features, MORE style, etc. I don't know what I would get now as I'm not actively looking, but I looked at several dealerships last time settled on test driving a fu...
by CorradoJr
Fri May 12, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: Goofy idea - moving 401k to money market each weekend
Replies: 15
Views: 1907

Re: Goofy idea - moving 401k to money market each weekend

I have a question, that probably is not practical - just curious. In my 401k, I see that the money market fund pays interest daily. Why couldn't someone, on Friday afternoon, move their funds to the money market over the weekend and gain two days of interest? Then, on Monday, transfer back? Over ti...
by CorradoJr
Tue May 09, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 3954

Re: 18" vs 20" Tires

Frisco Kid wrote:Bigger adds unsprung weight, not a good thing. Google it for more info. Roll with the 18's.
Yes, but on a 5,000 lbs. SUV this I'm sure isn't a priority. We aren't talking about an Atom or Caterham here.
by CorradoJr
Tue May 09, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 3954

Re: 18" vs 20" Tires

knpstr wrote:the 18" will be superior in all aspects but vanity
Not exactly true, larger wheels with lower sidewall tires usually provide superior handling. There is a limit to this of course.
by CorradoJr
Tue May 09, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Sunscreen for men in office environment
Replies: 25
Views: 3521

Re: Sunscreen for men in office environment

I use Neutrogena Men Age Fighter moisturizer with SPF 15 (1.4 oz. size) or L'Oreal Men Expert Vita-Lift Anti-Wrinkle Daily Facial Moisturizer SPF 15 (1.6 oz. size) everyday after getting out of the shower. Neither are greasy or have any appearance on the skin. Both are very light and have a very fai...
by CorradoJr
Thu Apr 27, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: May not be eligible for Roth, where to save?
Replies: 4
Views: 626

May not be eligible for Roth, where to save?

For the first time, our combined income this year may exclude us from investing in a Roth IRA. From researching, I believe there a few possibilities O could explore: 1. Wait until late 2017 to have a better estimate of 2017 income. Perhaps put IRA "contribution" in a savings account as a holding pla...
by CorradoJr
Mon Apr 17, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Scratched bumper cost to repair
Replies: 17
Views: 9959

Re: Scratched bumper cost to repair

Most bumper repairs are at least $500. As others have said, the body shop is going to have to take off the bumper, see if there is additional damage, prime, paint and replace the bumper. Paint and "shop supplies" add to the cost. The body shop will want to charge at least a few hours of labor (prob ...
by CorradoJr
Fri Apr 14, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Latest Time You Can File Electronically
Replies: 3
Views: 421

Re: Latest Time You Can File Electronically

Just went throught this last night as I owe a small amount. I instructed TurboTax to have my Fed payment taken out on Monday 4/17. The instructions said 4/18 is ok too, just not after 4/18. There will probably be a 2-3 day lag before the funds are actually removed from your bank account, just like t...
by CorradoJr
Fri Apr 14, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Physician using Turbotax, owing 30K so far already...
Replies: 65
Views: 7818

Re: Physician using Turbotax, owing 30K so far already...

You've most likely far exceeded the phase-out for Student Loan Interest Deduction, so I wouldn't even enter anything.

For MFJ, the cutoff is a MAGI of $160,000.
by CorradoJr
Mon Apr 10, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Car collision repair advice
Replies: 7
Views: 580

Re: Car collision repair advice

We need more details:

What make/model/year of the car?
by CorradoJr
Wed Mar 15, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Tag and Rate Photos in windows 10?
Replies: 7
Views: 851

Re: Tag and Rate Photos in windows 10?

Try Google Picasa, now called Google Photos.

The program or App is excellent and also provides free unlimited online backup if your photos are under 16MP.
by CorradoJr
Fri Mar 10, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 3316

Re: Buying Used Car- Less than 11K out door

We need more specifics. Sedan, Coupe, SUV, minivan, pickup truck, etc?

What "size" do you need? Small, medium, large?

What was the old car and what did you like/dislike about it?
by CorradoJr
Fri Mar 10, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Use cellphone tethering instead of home internet?
Replies: 24
Views: 3740

Re: Use cellphone tethering instead of home internet?

Depends on the type of browsing you do. Do you watch movies or listen to music? (2.5GB will not last long)
by CorradoJr
Fri Mar 10, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: New wheels and tires - strategy recommendation
Replies: 16
Views: 1476

Re: New wheels and tires - strategy recommendation

I'm sure 99.5% of people think multiple sets of tires/wheels are unnecessary however I disagree depending on the vehicle. What model of car do you have? Are the front/rear sizes different or the same? I used to fool around with a separate set of summer/winter tires for my Audi S4 as I wanted the &qu...
by CorradoJr
Mon Mar 06, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 7276

Re: Car engines. Turbo vs no turbo

Blueskies123 wrote:Automakers valuing mileage and performance over reliability and cost use Turbo's.

Automakers valuing reliability and cost over mileage and performance do not use Turbo's


Can you provide examples?
by CorradoJr
Mon Mar 06, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Buying a rental car.. Any new experience?
Replies: 76
Views: 6732

Re: Buying a rental car.. Any new experience?

I would never buy a rental car. Abused way beyond what should be normal for a 1-2 year old car. More scratches, interior scuffs, smells, and sometimes mischievous use than most. I'd rather buy a higher mileage commuter car, used by one person than a rental. Think about all the times luggage has been...
by CorradoJr
Sun Mar 05, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Programable thermostat for gas water heater?
Replies: 19
Views: 1622

Re: Programable thermostat for gas water heater?

A tankless water heater would be another option to consider. They will give you basically unlimited hot water but use next to nothing when you are not using hot water. There have been a number of threads on these that you can look up. I have one and love it. I also answer most threads with this ans...
by CorradoJr
Fri Mar 03, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance on a diamond engagement ring
Replies: 27
Views: 2656

Re: Insurance on a diamond engagement ring

Thanks for all your comments and replies. The question is how do you have a appraisal written that has all the specification of the diamond engagement ring, but has the appraised value equal to the replacement cost that the insurance company will give you. Remember the insurance company can shop fo...
by CorradoJr
Thu Mar 02, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Can't move money between Vanguard accounts?
Replies: 2
Views: 796

Can't move money between Vanguard accounts?

I am a bit irritated at the moment, as it seems I cannot move money (make a contribution) to my Roth IRA through Vanguard's web or App. I have a Rollover IRA ("upgraded", brokerage), a Roth IRA (non-"upgraded", non brokerage), and an newly established (1 week old) jointly held ta...
by CorradoJr
Thu Mar 02, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Would you buy a car that way?
Replies: 31
Views: 2680

Re: Would you buy a car that way?

You are going to have to "trust" someone or something along the way in buying a car. You may have to trust a salesman, a Carfax report, Consumer's Reports, a mechanic, your gut, etc. If you are uncomfortable buying a car due to your negotiating skills and/or English language skills, put th...
by CorradoJr
Thu Mar 02, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Would you buy a car that way?
Replies: 31
Views: 2680

Re: Would you buy a car that way?

I asked in another thread about the type of car you are buying? Are you looking for an exotic hard to find vehicle, or something more mainstream?
by CorradoJr
Tue Feb 28, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: Any used cars broker in NJ?
Replies: 6
Views: 689

Re: Any used cars broker in NJ?

Also have bought from Ebay and car-specific forums and had cars shipped to me from the opposite coast. Isn't buying a car without inspecting it mechanically or even test drive too risky?! Im a car guy, so I know what I'm getting into. You ask questions and ask for evidence - like a maintenance rece...
by CorradoJr
Tue Feb 28, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Any used cars broker in NJ?
Replies: 6
Views: 689

Re: Any used cars broker in NJ?

Is this really necessary? I've bought new and used multiple times from dealers and private sellers. Also have bought from Ebay and car-specific forums and had cars shipped to me from the opposite coast. For a late model "normal" (non-exotic or collectible), find what you need online and ne...
by CorradoJr
Fri Feb 17, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Car windshield wipers - go cheap or better?
Replies: 42
Views: 5092

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: 3661

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: 10842

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: 7038

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: 2017

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: 1703

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: 69723

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: 5573

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: 5573

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: 5573

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: 5573

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: 5886

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: 26014

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: 1933

Re: Quality; shower hardware where to find it?

Try California Faucets m or Rohl/Perrin & Rowe m 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 two brands. Cal Faucet handle sets/bath set an...