Search found 2922 matches

by DaftInvestor
Thu Oct 19, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: receiving 'used' items from Ebay purchase....frustrating
Replies: 22
Views: 2078

Re: receiving 'used' items from Ebay purchase....frustrating

I've had problems buying on Ebay as well as 3rd parties on Amazon. Its simply not worth the hassle to save a few dollars so I only buy from reputable known places now (I still buy a lot from Amazon but assure Amazon is the seller). My experience from an Amazon 3rd party is that they sent me the wron...
by DaftInvestor
Thu Oct 19, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Are Roomba's effective?
Replies: 55
Views: 4577

Re: Are Roomba's effective?

A relative has one and said they spent more time fixing it when it got stuck and decided vacuuming by hand easier.
I suppose if your house is very sparse (HIGH clearance furniture, no plants/antiques/art on the floor, etc.) it might work for you.
by DaftInvestor
Thu Oct 19, 2017 9:22 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3972
Views: 1056548

Re: U.S. stocks in freefall

S&P and Dow down only 0.5% at the moment (with NASDAQ down 1%) - let's see if this is the day some have been waiting for. It's also the 30th Anniversary of Black Monday! https://www.axios.com/the-30th-anniversary-of-black-monday-2498471456.html?utm_source=sidebar Ah - That could be a factor of why ...
by DaftInvestor
Thu Oct 19, 2017 9:06 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 25549

Re: Sitting on cash....Waiting for a crash

CyclingDuo wrote:
Thu Oct 19, 2017 8:58 am
Houe wrote:
Thu Oct 19, 2017 8:15 am
It seems like there is a lot of fear lately. Dow down 100 today.
Hopefully you noticed the Dow was up quite a bit yesterday. :twisted:
And the Dow is up by thousands from when the OP started this thread back in March.
by DaftInvestor
Thu Oct 19, 2017 9:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3972
Views: 1056548

Re: U.S. stocks in freefall

S&P and Dow down only 0.5% at the moment (with NASDAQ down 1%) - let's see if this is the day some have been waiting for.
by DaftInvestor
Thu Oct 19, 2017 8:26 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 25549

Re: Sitting on cash....Waiting for a crash

Houe wrote:
Thu Oct 19, 2017 8:15 am
It seems like there is a lot of fear lately. Dow down 100 today.
You must mean the Dow Futures are down- the market doesn't open for another 5 minutes.
by DaftInvestor
Tue Oct 17, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 23
Views: 1787

Re: Business Laptop Suggestions Request

I would prioritize weight over screen size if you're traveling with it, which would push me to 13 inch rather than 15 inch. Then if you really need real estate and are usually home get a separate monitor. I have loved all of my Lenovo laptops. Currently a Yoga, bought used for 300 bucks and handles...
by DaftInvestor
Tue Oct 17, 2017 5:10 am
Forum: Investing - Help with Personal Investments
Topic: Buying Employer Shares
Replies: 13
Views: 811

Re: Buying Employer Shares

If they can be sold right away it is practically money in the bank - instead of thinking of it as an investment think of it as extra money in the bank - extra income you will get as a benefit of your position with very little risk. Search "ESPP" here to see many discussions on this topic.
by DaftInvestor
Mon Oct 16, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: Barclays Increase APY to 1.30%
Replies: 9
Views: 739

Re: Barclays Increase APY to 1.30%

mattyfu1 wrote:
Mon Oct 16, 2017 1:03 pm
Just moved my savings to GSachs @ 1.20% - we think GS will follow?
Go look at your account - they moved to 1.3% last week.
by DaftInvestor
Mon Oct 16, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: Barclays Increase APY to 1.30%
Replies: 9
Views: 739

Re: Barclays Increase APY to 1.30%

Two of their competitors beat them to it - gsbank and synchrony bank both went to 1.3% a week or so ago.
Ally has historically been a slight bit behind gsbank, synchrony and barclays.
by DaftInvestor
Mon Oct 16, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3079

Re: Bonus pushed back - should I be annoyed?

Is your complete salary/benefits package competitive with the industry? If so - why would you be annoyed? If not - then if you see a continued trend of being "unfairly treated" consider looking for another job. Get with the program or find another program to get with (by finding another job - that's...
by DaftInvestor
Fri Oct 13, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 103
Views: 6271

Re: How many miles/years do you keep your car?

Typically 10 years / 100,000 miles for my cars but a bit sooner for my spouse's due to family needs and desires. Always buy new.
by DaftInvestor
Thu Oct 12, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Washington DC Trip
Replies: 25
Views: 1597

Re: Washington DC Trip

Rather than a Taxi Company, I would also recommend you go with Uber and Lyft. If you haven't used these services before they are very easy apps to load and set up on your smartphone. I like to have them both in case one has a long wait time or has surge-pricing (simply flip to the other). You will s...
by DaftInvestor
Thu Oct 12, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4797

Re: Is there boglehead consensus on buying a car?

I think the boglehead consensus is to buy a car you can afford. If you have enough money and your finances are solid, you could probably afford a newer, fancier car if you so desire. If on the other hand you're swamped in debt or you don't have good job security, I think the consensus would be to g...
by DaftInvestor
Thu Oct 12, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2369

Re: Going First Class

Flew first class on points to Europe and thought it was much overrated. Unless you are very tall or overweight, coach seats are fine. I was actually annoyed by the attendants coming around what seemed like every half hour. No..I don't need to eat or drink every few hours, I don't do it at home and ...
by DaftInvestor
Thu Oct 12, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3662

Re: Pro and cons of the Prime offer by Amazon.......

I rarely see Amazon being price competitive any more. Walmart, Home Depot, Dicks, etc online prices are as good and I can return locally With Amazon you can return even "More" locally. You can just select the UPS pick-up option, print out a label, and leave the item up for UPS to grab when they com...
by DaftInvestor
Thu Oct 12, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11749

Re: [Prevent mail theft; sign for USPS Informed Delivery]

After failing the security part of the verification process and waiting 72 hours and trying and failing again, I'm convinced that USPS doesn't know the correct answers to my ID verification questions. Yes, I know how much my home sold for, what year it was built, what counties I've lived in, old ph...
by DaftInvestor
Thu Oct 12, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: A good value wine I found...
Replies: 22
Views: 2520

Re: A good value wine I found...

I've been able to stomach a lot of $10 bottles of wine (this is the price point I try to get down to) - but this is one that I haven't been able to.
I realize a lot depends upon ones taste so I'm sure if I listed my value favorites I would get a similar response :)
by DaftInvestor
Thu Oct 12, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4456

Re: Which Streaming Service/Live TV?

YouTube tv sounds intriguing. Is it HD? Does it include BBC, PBS, ESPN? Those are pretty much all we watch besides Netflix. Yes to BBC and ESPN, no to PBS. I don't know of any online streaming services that include PBS. Depending on where you live you may be able to get it with an antenna. A small ...
by DaftInvestor
Wed Oct 11, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13699

Re: [Boglehead vs Mr Money Mustache philosophies]

You started this debate by stating that MMM aims are better for humanity and now you are describing how many retired Bogleheads spend their time. It the humanity benefit comment that threw me. My point was simply that I don't believe the MMM way better for humanity. Who benefits humanity more - the...
by DaftInvestor
Wed Oct 11, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13699

Re: [Boglehead vs Mr Money Mustache philosophies]

You cannot live on 25k for a family of three and be able to afford full health insurance without subsidies or fund a college education. You can opt out of insurance or not pay for your kids education which is a huge risk and a bad idea for most people. This is one of my biggest questions in the MMM...
by DaftInvestor
Wed Oct 11, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13699

Re: [Boglehead vs Mr Money Mustache philosophies]

But ultimately, MMM's and BH's aims are different, and MMM's are better for the humanity . Victoria, a BH This conclusion could certainly be debated. If we all retired at 30 and lived off very modest poverty-level income there wouldn't be enough tax generation to put kids through public schools, pa...
by DaftInvestor
Wed Oct 11, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13699

Re: [Boglehead vs Mr Money Mustache philosophies]

But ultimately, MMM's and BH's aims are different, and MMM's are better for the humanity . Victoria, a BH This conclusion could certainly be debated. If we all retired at 30 and lived off very modest poverty-level income there wouldn't be enough tax generation to put kids through public schools, pa...
by DaftInvestor
Wed Oct 11, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13699

Re: [Boglehead vs Mr Money Mustache philosophies]

But ultimately, MMM's and BH's aims are different, and MMM's are better for the humanity . Victoria, a BH This conclusion could certainly be debated. If we all retired at 30 and lived off very modest poverty-level income there wouldn't be enough tax generation to put kids through public schools, pa...
by DaftInvestor
Wed Oct 11, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13699

Re: [Boglehead vs Mr Money Mustache philosophies]

You cannot live on 25k for a family of three and be able to afford full health insurance without subsidies or fund a college education. You can opt out of insurance or not pay for your kids education which is a huge risk and a bad idea for most people. This is one of my biggest questions in the MMM...
by DaftInvestor
Tue Oct 10, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2597

Re: Cheapest thing you ever heard of to save money

Our family would send birthday cards within town to each other without using stamps. We would simply put the recipients address in the return adress spot and put our own names in the recipient spot. It would be confusing to a receiver if they weren't expecting it :)
by DaftInvestor
Tue Oct 10, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3036

Re: My Son is buying a 2017 Toyota RAV 4

OP: I would ask for BOTH the 3000 rebate and the 0% loan. If he thinks he has a good deal and hasn't put a down-payment down yet he can make this the final negotiation point. (I wouldn't be too concerned with the age of the vehicle on the lot as long as I was paying far enough below invoice price. I...
by DaftInvestor
Tue Oct 10, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3036

Re: My Son is buying a 2017 Toyota RAV 4

I would be concerned about the age and mileage of this so called "new" car. I have test driven cars where the speedometer/odometer didn't work. The salesman told me that it gets hooked up during dealer prep. What really happens is that the dealer disconnects the instrument cluster and drives the ca...
by DaftInvestor
Tue Oct 10, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4106

Re: 2 factor authentication - What if something happens to you?

All our bank and taxable-investment accounts are joint so we both have our own access.
The only exception are retirement accounts which would go through a process in case of death anyway.
by DaftInvestor
Tue Oct 10, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11708

Re: 100% in bond to wait for market crash?

I just moved a sum from stocks into bonds but only to rebalance back to my AA. If there is a sudden drop in the stock market I will gladly rebalance back. I learned early on that trying to time the market by looking at PEs as compared to history is a fools game for the majority (some will get lucky)...
by DaftInvestor
Tue Oct 10, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: cash and landlines in disasters
Replies: 21
Views: 2333

Re: cash and landlines in disasters

It seems to me that if you live in a disaster-prone area (Hurricane coast-lines or California wild-fire or earthquake country) you are better off having two plans: 1) For Shelter In-Place - assure you have enough food/water and medical supplies to get you through. If you REALLY need communication co...
by DaftInvestor
Tue Oct 10, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13699

Re: [Boglehead vs Mr Money Mustache philosophies]

MM = skimp on everything so you don’t have to work hard or at all. Bogleheads = work hard and LBYM, so you don't have to skimp on everything. Or make your own soap. JT This is a good summary in my opinion. MMM talks about living like a pauper for many years so you can not have to work (but be prepa...
by DaftInvestor
Mon Oct 09, 2017 5:32 am
Forum: Personal Consumer Issues
Topic: Any mileage plan experts?
Replies: 8
Views: 949

Re: Any mileage plan experts?

LifeIsGood wrote:
Mon Oct 09, 2017 5:09 am
DaftInvestor wrote:
Sun Oct 08, 2017 8:09 pm
Free magazine or Wall Street Journal subscriptions is an option. Magsformiles.com
WSJ is NOT listed under any of the mileage programs at Magsformiles.com.
Sorry it's been a while since I've used it. It used to be - unfortunate it isn't anymore.
by DaftInvestor
Sun Oct 08, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Any mileage plan experts?
Replies: 8
Views: 949

Re: Any mileage plan experts?

Free magazine or Wall Street Journal subscriptions is an option. Magsformiles.com
by DaftInvestor
Sun Oct 08, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2312

Re: What to do with unused paint?

It depends upon the type of paint.
For oil based you need to bring it to a household hazardous waste disposal facility.
For latex based pains you can wash it down the drain and throw away the containers.
At least these are the guidelines where I live.
by DaftInvestor
Sun Oct 08, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1497

Re: What do you do with your empty inkjet cartridges?

I trade them in for a $2 credit each at Staples.
You must buy some new ones there to get the credit.
by DaftInvestor
Sat Oct 07, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3305

Re: Cash in a local bank or credit union

I still have a local bank account. Some of the uses: - have a safety deposit box there - they have a change counter with 0 charge to customers and while I don't use it very often anymore since I'm primarily a credit card user I still end up with change in a bucket at home that I drop off every few y...
by DaftInvestor
Sat Oct 07, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 91
Views: 8805

Re: Flagship Reps

I've never had to talk to anyone at Vanguard and I can't imagine why I would ever need to.
by DaftInvestor
Sat Oct 07, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping Tabs on Investment Accounts
Replies: 13
Views: 1130

Re: Keeping Tabs on Investment Accounts

I have online access to all accounts and check at least monthly to download all statements. For bank accounts with eBill pay I check in weekly. I got rid of all paper mailed statements years ago.
by DaftInvestor
Sat Oct 07, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7450

Re: Do you want your receipt?

I always say no - who needs the extra trash in their pocket. They haven't printed credit card numbers on receipts in a long time so even if they print it and throw it away there is no problem. Plus with zero liability in an unlikely case where something to happen it wouldn't much matter. If they ran...
by DaftInvestor
Sat Oct 07, 2017 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony hits 1.3% APR
Replies: 2
Views: 444

Re: Synchrony hits 1.3% APR

I agree - always have the best rates without limitations (minimum nor maximum). The only downside is their ACH transfers still take a few days (compared to banks such as gsbank where transfers happen in a day).
by DaftInvestor
Fri Oct 06, 2017 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Where do you think the money will come from to move the overall market higher?
Replies: 31
Views: 2238

Re: Where do you think the money will come from to move the overall market higher?

I wonder about this too, although for a slightly different reason. Total student loan debt in this country: $1,400,000,000,000.00 Total credit card debt in this country: $1,000,000,000,000.00 Total auto loan debt in this country: $1,000,000,000,000.00 And all are growing. This can't possibly end we...
by DaftInvestor
Thu Oct 05, 2017 9:10 am
Forum: Investing - Theory, News & General
Topic: Throwing Down with a Primerica Advisor
Replies: 45
Views: 3227

Re: Throwing Down with a Primerica Advisor

Don't waste your time. Cancel the meeting and move onto something more productive.
by DaftInvestor
Wed Oct 04, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11749

Re: [Prevent mail theft; sign for USPS Informed Delivery]

I attempted to sign up and got a failed identity verification message. I answered all questions correctly so perhaps the post office doesn't know me as well as they think they do. Did they give you the option to go to the post office for an in-person verification? Yes - it did say something about g...
by DaftInvestor
Wed Oct 04, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 1573

Re: Travel camera reviews of what you own and why?

Samsung Galaxy S8 is my camera of choice (since its always with me) if I'm not carrying my Nikon D7100.
by DaftInvestor
Wed Oct 04, 2017 7:28 am
Forum: Investing - Help with Personal Investments
Topic: to good to be true? [Investing in Real Estate Company]
Replies: 27
Views: 2135

Re: to good to be true?

You can forgive the all poor English on their website since English is obviously not their first nor primary language but I'm sure when you read the actually terms that you will sign when they take their money you will find out that returning your money is not at all guaranteed. I probably should a...
by DaftInvestor
Wed Oct 04, 2017 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3525

Re: Equifax to offer free “credit freeze” for life

Why can't we have one place to freeze all our credit with one click instead of having go through loops with different credit agencies, etc.. Because these are private corporations we are dealing with, not the government. Even the government-sponsored annualcreditreport.com is just a portal that red...
by DaftInvestor
Wed Oct 04, 2017 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3525

Re: Equifax to offer free “credit freeze” for life

Why can't we have one place to freeze all our credit with one click instead of having go through loops with different credit agencies, etc.. Because these are private corporations we are dealing with, not the government. Even the government-sponsored annualcreditreport.com is just a portal that red...
by DaftInvestor
Wed Oct 04, 2017 6:31 am
Forum: Investing - Help with Personal Investments
Topic: to good to be true? [Investing in Real Estate Company]
Replies: 27
Views: 2135

Re: to good to be true?

Did you take a look at who is the running the company? Read the bio's and decide if they are folks you would trust with your money. There is someone with a medical degree - and then a bunch of folks who don't have enough experience to list what they did before forming this company. You can forgive t...
by DaftInvestor
Wed Oct 04, 2017 6:19 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6257

Re: MoviePass-Too good to be true, but it's legit.

Downside? They will still get you on the 100x markup on the popcorn and soda :) Kidding aside - looks like a great deal (although my local theater doesn't participate). I should mention that on the bottom of the page you can enter a zip code and see participating theaters. This card has worked at a...