Search found 1164 matches

by Da5id
Fri Jun 23, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Health Coverage - COBRA & ACA
Replies: 16
Views: 655

Re: Health Coverage - COBRA & ACA

Will you and your family have health insurance coverage coverage from day one of your new job? If so, then your plan should work. Be sure to send back the form indicating that you are going to elect COBRA coverage as soon as you get it. Verify with your current employer when your health insurance e...
by Da5id
Thu Jun 22, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293295

Re: What's Your Credit Card Rewards Strategy?

I don't have a complete answer, but do note that paying ANYTHING on the United Explorer card, including fees, gets you the free bag. I uses United Miles to get a ticket, but some amount had to paid ($12???). Using the Explorer card for that get me the free bag. Mind you, I dropped my Explorer card ...
by Da5id
Thu Jun 22, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293295

Re: What's Your Credit Card Rewards Strategy?

I have a burning question : I have been reading that United now does not allow those with Basic Economy tickets to bring full-sized bags aboard. To be clear, I am specifically inquiring about bags that comply with the airline carry-on size requirements, not the behemoths some people try to sneak in...
by Da5id
Thu Jun 22, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 4085

Re: What do you say when you cancel an account that you only opened for bonus?

Why not be honest? Mind you be honest, you don't need to say "you got the card only for the bonus". You can be equally honest and say "it isn't worth the fee to keep the card open", which is what I recently said when cancelling a Chase United card just before the fee came due. If...
by Da5id
Wed Jun 21, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 36
Views: 2581

Re: Google Fi? pros/cons? anyone using it?

the biggest issues i would forsee: 2) i think it is primarily T-mobile and Sprint coverage (so if you are not getting good coverage by both providers, you may not get decent coverage) I think you should say "either of the two providers" rather than "both providers". One of the f...
by Da5id
Wed Jun 21, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 61
Views: 3110

Re: Good camera - new baby coming

Save your money and stick with an Iphone. The quality of today's smartphone photos are lightyears better than the typical photos in the dark ages of yesteryear. There clearly is a case for standalone high quality cameras with nice lenses, particularly for certain special applications (sports, dista...
by Da5id
Mon Jun 19, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.
Replies: 50
Views: 7542

Re: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.

The exception? In retrospect, I probably should not have encouraged her to switch to Vanguard. There are limits to Boglehead-ism, I suppose, even here. Her paying $16,000 per year in advisory fees might have been preferred vs. something going wrong due to my advice and it ruining our friendship, et...
by Da5id
Mon Jun 19, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.
Replies: 50
Views: 7542

Re: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.

You say that she receives money for the child & it must be spent on the child (or similar wording) and it can't be "saved". I imagine that you are talking about SS survivor benefits for the child. If you are talking about SS child survivor benefits, you are wrong. That money can be sa...
by Da5id
Wed Jun 14, 2017 7:21 am
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 11853

Re: Bogle sticks with U.S. Stock (article)

“I believe the U.S. is the best place to invest,” Bogle said. “We probably have the most technology-oriented economy in the world. I would bet that the U.S. will do better than the rest of the world. It is a simple bet on which economy is going to be the strongest in the long run.” My spin on this ...
by Da5id
Tue Jun 13, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!
Replies: 75
Views: 5279

Re: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!

I suggest a new strategy.

1) Stop watching investment "porn". It has no value and seems to make you anxious.
2) Pick an appropriate allocation and stick to it.
by Da5id
Mon Jun 12, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 11853

Re: Bogle Doubles Down on US Index Funds

People who believe or don't believe in international should probably have better reason than "Bogle said so" or "Vanguard said so". I'd otherwise think that if International significantly under/overperforms for the next 10 years, they will be that much more likely switch assets t...
by Da5id
Mon Jun 12, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy for 50/50 stock/bond
Replies: 2
Views: 423

Re: Lifestrategy for 50/50 stock/bond

If one wanted to hold their IRA at 50/50 stock bond and use lifestrategy funds what's the benefit of income & growth ie 20/80 & 80/20 vs conservative & moderate ie 40/60 & 60/40. Most folks seems to talk about using the later, but it seems to me using income & growth would give ...
by Da5id
Mon Jun 12, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 91
Views: 5391

Re: Have you canceled cable?

AmericaFirst wrote:We considered it, but need cable for Fox News.


There are non-cable ways to get Fox News. It is in the most basic Playstation VUE package for example (just looked, I don't personally bother with any package currently).
by Da5id
Mon Jun 12, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 91
Views: 5391

Re: Have you canceled cable?

> Is there any potential problem in cutting home phone? The edge case is a major disaster that totally clogs the cell system. Such a disaster would probably also severely overload the 911 system. With wired phone- I think I read that a power failure could disrupt things like phone over optical fibe...
by Da5id
Mon Jun 12, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 91
Views: 5391

Re: Have you canceled cable?

Thanks everybody! Lots of great ideas. And wow some of you cut phone? It didn't even occur to me I could cut phone. If anyone wants to talk about how you manage phone, I'd be interested in hearing more. Look up VoIP providers like OOMA. My home phones still all work with the same phone number I had...
by Da5id
Mon Jun 12, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 91
Views: 5391

Re: Have you canceled cable?

Right now I pay for internet/phone/cable together as a package. I was thinking of canceling the cable part and keeping phone and internet. Has anyone done this and opted for other means of watching your favorite shows? I know Amazon prime has shows and I'm not very up to date on other places to wat...
by Da5id
Mon Jun 12, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Attorneys: Can family be held liable if moving elder into independent living apartment?
Replies: 17
Views: 1875

Re: Attorneys: Can family be held liable if moving elder into independent living apartment?

I feel for your situation (I may hit a comparable problem myself with a parent), but don't think you are wise to come to bogleheads for detailed legal advice. Note that laws are different in different states. I'd strongly suggest consulting an elder care attorney in your state. One question, has you...
by Da5id
Mon Jun 12, 2017 7:23 am
Forum: Personal Consumer Issues
Topic: Switching to t-mobile from at&t...maybe
Replies: 16
Views: 1367

Re: Switching to t-mobile from at&t...maybe

As above, different carriers user different LTE bands and your phone may be better or worse on different carriers accordingly. Before switching from AT&T to T-Mobile, do you have friends with T-Mobile? If so, you should make sure that they have decent signal strength at places you care about (e....
by Da5id
Mon Jun 12, 2017 7:05 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293295

Re: What's Your Credit Card Rewards Strategy?

It's not like the card issuers and gift card companies aren't aware of this "hobby". Surely, it's part of the calculated business case - the business case where we're a small population compared to their primary, more desirable customers. Was just thinking about this a couple of days ago....
by Da5id
Fri Jun 09, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Small tax refund or owing taxes?
Replies: 35
Views: 2033

Re: Small tax refund or owing taxes?

I've been going for a largish federal refund so I can get extra I-bonds. Other than that, I prefer a small refund. Given crummy interest rates, I don't mind giving the government a float of a few hundred dollars, and I'd rather not waste time optimizing and worrying about a penalty.
by Da5id
Fri Jun 09, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: How to deal with a personal finance cynic
Replies: 109
Views: 5796

Re: How to deal with a personal finance cynic

OP, your friend is correct. This site has a disturbing amount of "I am 14 years old with a net worth of 5 million dollars, am I doing okay? ( ͡° ͜ʖ ͡°)" posts, see this most recent example of humblebrag trolling or skewed perspective bordering on mental illness or both. There is definitel...
by Da5id
Thu Jun 08, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Does anyone read the Wall Street Journal?
Replies: 56
Views: 4746

Re: Does anyone read the Wall Street Journal?

I'd personally encourage folks who want to read the WSJ (or any non-free content) to pay for it rather than find increasingly elaborate ways to surreptitiously get their content for free. If you don't think it is worth paying for, do without, or read it at the library. Seems like identical logic cou...
by Da5id
Thu Jun 08, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k Fees
Replies: 30
Views: 981

Re: My 401k Fees

It is correct that a decision to participate in a 401K plan should be based on financial facts rather than on law/ethics. Aside from portability of the money and employer match it is still true that it takes very high costs, maybe about 2.5% to make a 401k plan disadvantageous over taxable investin...
by Da5id
Thu Jun 08, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k Fees
Replies: 30
Views: 981

Re: My 401k Fees

You're 24. How long will you be at this job? The fees are a little high, but as far as 401k's go they're better than average. Once you change jobs, you can roll this 401k into an IRA and control it completely. In such a case, you are only paying the fees for the duration of your employment with you...
by Da5id
Thu Jun 08, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 2950

Re: How often do you redeem your credit card cash rewards?

This is a .01% loss, right? You lose 1% on the 1% rebate that is applied to your balance? Not losing sleep on it. $2 per year on $20000 spending? on that note why worry about a higher expense ratio on a mutual fund? its just a couple bucks, right? :wink: Where to draw the line is a personal matter,...
by Da5id
Thu Jun 08, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k Fees
Replies: 30
Views: 981

Re: My 401k Fees

Emergency Fund : Over Six Months Debt : None Tax Filing Status : Single Tax Rate : 15% Federal , 1.75% State State of Residence : NJ Age : 24 Current Retirement Assets Taxable Vanguard Total Stock Market Admiral Shares (VTSAX) (.05%) -- $38,801.55 Vanguard Short-Term Treasury Fund Investor Shares (...
by Da5id
Thu Jun 08, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 2950

Re: How often do you redeem your credit card cash rewards?

Mine are automatically applied to my balance once they hit $25. if one does this w/ a Citi Doublecash 2% card, this actually reduces the % you get back as it is reducing your payment. Was discussed in a different thread months back. Interesting. Until recently I primarily used a Capital One 1% back...
by Da5id
Thu Jun 08, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: My 401k Fees
Replies: 30
Views: 981

Re: My 401k Fees

The fees aren't good, but since you also have access to extremely low ers, they are not egregious. The wiki comes to the conclusion that a 401k is still the best way to save for reirement until the fees reach 1.7%. https://www.bogleheads.org/wiki/401(k) And even if expenses are 1.7% or greater, it ...
by Da5id
Thu Jun 08, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Does anyone read the Wall Street Journal?
Replies: 56
Views: 4746

Re: Does anyone read the Wall Street Journal?

I get it off and on, currently on. I like it, and enjoy having a physical paper version, but don't think the full rate is worth it. So when a deal comes around I re-subscribe for a while, when deal ends I drop it for a while. I don't use it for investing advice, just find the articles interesting.
by Da5id
Thu Jun 08, 2017 7:28 am
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 2950

Re: How often do you redeem your credit card cash rewards?

For my cash only cards, I do it monthly if there is enough to hit the minimum. I pay the cc online anyway, so when logged in to pay the bill I just use the money for a statement credit.
by Da5id
Mon Jun 05, 2017 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Help in implementing glide path AA
Replies: 28
Views: 1075

Re: Help in implementing glide path AA

Not understanding why this is an issue even. At least for me a 1% shift isn't even enough to cause a re-balance unless I was somewhat out of whack anyway. So if you shift your allocation 1% but are still in your rebalance bands (if you use such), perhaps no action is needed. If an action is needed, ...
by Da5id
Sun Jun 04, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 8600

Re: Everything keeps going up, this feels too easy?

Lots of comments are that it "feels like XXX ...". or I'm "feeling YYY ...." I don't find "feelings" helpful in making investment decisions. Feelings like fear and greed are not our friends in investing. A well thought out IPS that fits your particular financial situat...
by Da5id
Fri Jun 02, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Actual TLH Efficiency
Replies: 18
Views: 970

Re: Actual TLH Efficiency

Thanks all - just checked out that Kitces link - that broke it down quite helpfully, and I think I've now come to understand that the best TLH can go is defer taxes into the future. In the event that one has a highly active account (buying and trading throughout the year) in a taxable account, this...
by Da5id
Thu Jun 01, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7345

Re: What Do You Pay for an Oil Change?

I've been using Jiffy Lube, which is about $25 with a $12 coupon they always send me. I try not to laugh when Jiffy Lube guy attempts to upsell me things at outrageous prices, and usually succeed. Note that changing your engine/cabin air filters in most car models takes about 5 minutes for a mechani...
by Da5id
Thu Jun 01, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 307
Views: 30838

Re: Quicken's future direction - a cause for concern

Is everyone (on 2016) getting those pop-ups when you start Quicken asking you to upgrade? It is annoying. I keep unchecking the remind me later box and they still come about every 2 or 3 times I start Quicken. I have 2016 and have no intention of upgrading anytime soon. Each time makes me want to u...
by Da5id
Wed May 31, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: Does your username at fidelity.com get hidden?
Replies: 12
Views: 816

Re: Does your username at fidelity.com get hidden?

Up until about a month or so ago, my username at fidelity.com would get replaced by *** (except for the last few characters) when I moved to the password field. I guess this was some sort of "security feature". I wonder if it was a security feature. Back in old days, Fidelity 401k used So...
by Da5id
Wed May 31, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Predicted 4% return over next decade. What do you do now?
Replies: 71
Views: 6600

Re: Predicted 4% return over next decade. What do you do now?

Fact is, you are BETTER off with weak returns now and higher returns later once you've saved more rather than vice-versa. If returns are poor in the near term that is worse for people retiring now, not so much for you. True, but there's no assurance that weak returns now lead to higher returns late...
by Da5id
Wed May 31, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Predicted 4% return over next decade. What do you do now?
Replies: 71
Views: 6600

Re: Predicted 4% return over next decade. What do you do now?

I think you would have to have a very heavily equity slanted AA for that scenario to be bad given you should be able to pay your bills by selling bonds and not reinvesting dividends, but the stress of seeing your portfolio go down might cause behavioral issues for many. Sure. And 4% real works OK f...
by Da5id
Wed May 31, 2017 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Predicted 4% return over next decade. What do you do now?
Replies: 71
Views: 6600

Re: Predicted 4% return over next decade. What do you do now?

Seriously, you think a 4% real annual return over a decade could be bad because of sequence of returns? I don't see it. And that is the scenario from the OP as I understood it. As for negative returns I believe the chart in my post above illustrates that case and is why I would dance in the streets...
by Da5id
Wed May 31, 2017 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Predicted 4% return over next decade. What do you do now?
Replies: 71
Views: 6600

Re: Predicted 4% return over next decade. What do you do now?

Dance in the streets!!! I would take a guaranteed 4% annual real return year after year and run like a bandit. That sounds well and good. But depending on the sequence of returns a real return of 4% over a decade can be fine or pretty bad (worse if there are losses at beginning and gains at the end...
by Da5id
Wed May 31, 2017 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Predicted 4% return over next decade. What do you do now?
Replies: 71
Views: 6600

Re: Predicted 4% return over next decade. What do you do now?

Run in circles, scream and shout perhaps? OP, you are retiring in 27 years. So much can change in that period. Fact is, you are BETTER off with weak returns now and higher returns later once you've saved more rather than vice-versa. If returns are poor in the near term that is worse for people retir...
by Da5id
Wed May 31, 2017 6:45 am
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 60
Views: 6492

Re: Tell me about Alaska

The most fun thing I did, and possibly have ever done on a vacation, is go to Brooks Falls during salmon season to watch bears catch and eat salmon from a waterfall. Google it, it's where National geographic and those kind of photographers get those bear waterfall shots. It was pretty expensive and...
by Da5id
Tue May 30, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: How best to care for someone who frequently falls
Replies: 32
Views: 2565

Re: How best to care for someone who frequently falls

Maybe physical/occupational therapy will help. Maybe seeing a doctor to address why he falls will help -- when he falls, why does it happen? Something to talk to his doctor about. Maybe home modifications, if tripping is caused by something in the house, will help. But longer term seems likely some ...
by Da5id
Sat May 27, 2017 6:58 am
Forum: Investing - Theory, News & General
Topic: How dividends become irrelevant?
Replies: 146
Views: 7333

Re: How dividends become irrelevant?

The key point here, and what keeps these threads going: https://xkcd.com/386/ I do wonder if folks are ever convinced in these threads :) Has anyone yet changed their mind? I like to tell myself there are lots of silent readers (likely true), and that some of them might learn something useful (that...
by Da5id
Sat May 27, 2017 6:10 am
Forum: Investing - Theory, News & General
Topic: How dividends become irrelevant?
Replies: 146
Views: 7333

Re: How dividends become irrelevant?

The key point here, and what keeps these threads going: https://xkcd.com/386/

I do wonder if folks are ever convinced in these threads :) Has anyone yet changed their mind?
by Da5id
Fri May 26, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: Siegel v. Shiller on Equity Valuations
Replies: 13
Views: 1633

Re: Siegel v. Shiller on Equity Valuations

What happened is that stupid "Stocks in Freefall" thread popped up again and the market rallied to new all-time highs. If people had held off getting that thread going again, you would have had a longer and better buying opportunity. It is actually not a bad contrary indicator. Also notic...
by Da5id
Fri May 26, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: How dividends become irrelevant?
Replies: 146
Views: 7333

Re: How dividends become irrelevant?

Otherwise you have two different company behaviors AND two different investor behaviors... Don't forget, both companies are the same as we've found in this thread that dividends are irrelevant. Don't forget, both investor behaviors are the same. Neither buys nor sells any shares. One investor accum...
by Da5id
Fri May 26, 2017 8:13 am
Forum: Investing - Theory, News & General
Topic: How dividends become irrelevant?
Replies: 146
Views: 7333

Re: How dividends become irrelevant?

If it was profitable and paid a dividend, the value would be the dividend to owners. Owners get the profits whether they are paid as dividends or not. The stock owners have the "rights" to profits, I wouldn't say they necessarily "get" them, if retained. This taken to an extreme...

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