Search found 2064 matches

by DaftInvestor
Fri Apr 28, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Law Changes
Replies: 13
Views: 862

Re: Tax Law Changes

Tax laws can always change, yes. Please remove the Roth at 70 speculation from your OP to keep it from getting locked. But no, I invest based in present tax rules. If changes are ENACTED, I'll reassess what I'm doing and decide if some change would be better... I deleted the Roth "example"...
by DaftInvestor
Fri Apr 28, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: A Game of "Who is responsible"
Replies: 45
Views: 2558

Re: A Game of "Who is responsible"

To me it would somewhat depend upon how I hired him; my relationship; and what I paid him to begin with. If I negotiated the guy down for the original work then if I were you I'd happily pay him the extra $100 since you provided the faulty toilet (through a Lowes purchase). Yes he could have tested ...
by DaftInvestor
Fri Apr 28, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: The Power of Habit
Replies: 10
Views: 1954

Re: The Power of Habit

I liked that book as well. Who knew about toothpaste.... Anyway - some other self-help type books I've enjoyed that you may too if you like the Power of Habit: - Mindset: The New Psychology of Success by Carol Dweck - Drive: The Surprising Truth About What Motivates Us by Daniel Pink - The Speed of ...
by DaftInvestor
Fri Apr 28, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: Home Warranty
Replies: 11
Views: 792

Re: Home Warranty

I'd call and cancel - or simply write "CANCEL" across the bill and send it in. If you ignore it and had agreed to auto-renewal they will continue to invoice you.
I agree that home warranties aren't worth the money.
by DaftInvestor
Thu Apr 27, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Why I'm tempted to fix things myself; it's not about the money
Replies: 38
Views: 3414

Re: Why I'm tempted to fix things myself; it's not about the money

For the general contractor - I'd talk to neighbors and other folks in your own community to find a good one. The one we use does no advertising as he has ample business through his reputation/word of mouth. He's good - always shows up when he says he will. The only downside is he is busy so you have...
by DaftInvestor
Thu Apr 27, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Sell in May and go away - not this year?
Replies: 15
Views: 2484

Re: Sell in May and go away - not this year?

This comes up EVERY year - and every year the same result. If you go to last years post, or the years before, or the years before, .. you will see that there are links to articles and research showing this to be a myth and you will see various folks provided answers to your questions. On thing I rea...
by DaftInvestor
Wed Apr 26, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 4488

Re: $300+ to remove a racoon. Really?

$300 seems reasonable to me provided it comes with a guarantee of some sort (e.g. won't see any more raccoons for 1 year or at least x months - if so - Racoon-Trapper returns).
by DaftInvestor
Wed Apr 26, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 9052

Re: Vanguard has switched to brokerage only accounts

I have 1 regular Mutual Fund Account with my index funds, 1 T-IRA account (with $0 in it - use this for yearly deposit before back-door Roth), and 1 Roth IRA. I haven't seen any reason to change so haven't. (If it isn't broke - don't fix it). I don't plan on trading stocks or ETFs within Vanguard so...
by DaftInvestor
Mon Apr 24, 2017 7:01 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 320
Views: 15974

Re: I don't understand the case for EE bonds

This Bogleheads place is an interesting town - when someone asks "should I pay off my 3% mortgage" the majority of respondents jump in and say yes. But yet when someone asks if there is any point in a risk free investment that guarantees 3.5% over 20 years the result is entirely different....
by DaftInvestor
Mon Apr 24, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 3157

Re: how much house can we afford? Boston area.

So if there is a down turn, my income could go down. You can pretty much state "If there is a down turn, my income WILL go down". I wouldn't count the RSUs and bonuses into ANY equation of how much mortgage you can afford. Use them to build emergency funds, save for retirement, save for c...
by DaftInvestor
Mon Apr 24, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 3157

Re: how much house can we afford? Boston area.

RoadHouseFan wrote:With your income, you could buy a 5000+ sq ft new home in a lower cost, higher quality of life location.


But he might not be able to make that income in another location. A lot of software engineering jobs still require you to be in the office.
by DaftInvestor
Mon Apr 24, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 11931

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

If you look at the characteristics of successful countries, they tend to have more freedom and democracy. Dictatorial countries tend to be less successful. You may dispute that "statistic" but I think it's a fair observation. So the question some are raising is, is it really in the intere...
by DaftInvestor
Mon Apr 24, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5993

Re: Comcast negotiations

about 3 years ago i switched to comcast internet and changed my tv package. it started off at $90 a month, and gradually increased as i knew it would to $150 a year ago. mentally, i look at that as $50 internet and $100 tv (i have no idea what it is in reality) and i think that is fair. last month ...
by DaftInvestor
Mon Apr 24, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5993

Re: Comcast negotiations

It would actually cost us more if we were to go out and buy and provide our own equipment since its included in the bundled and contract-discounted price (they won't simply allow you to knock off another $10 just because you have your own modem as the equipment has already been discounted out of th...
by DaftInvestor
Mon Apr 24, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5993

Re: Comcast negotiations

With my comcast triple play package all the equipment is included - nothing to buy and nothing additional to pay. You just have to renegotiate the price every year. yes, but, there is another $10 a month that can be saved by buying your own modem. Comcast lists the proper model needed to handle cab...
by DaftInvestor
Mon Apr 24, 2017 6:03 am
Forum: Personal Consumer Issues
Topic: Orlando Disneyland advice
Replies: 21
Views: 1589

Re: Orlando Disneyland advice

Disneyland is in Anaheim, CA. Disneyworld is in Orlando, FL.
Important to remember as you do research online as the parks are similar but different.
by DaftInvestor
Sun Apr 23, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5993

Re: Comcast negotiations

With my comcast triple play package all the equipment is included - nothing to buy and nothing additional to pay. You just have to renegotiate the price every year. yes, but, there is another $10 a month that can be saved by buying your own modem. Comcast lists the proper model needed to handle cab...
by DaftInvestor
Sun Apr 23, 2017 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 70
Views: 7946

Re: Ally Bank - Savings Account Rate Increased!

What was it prior? Gsbank, synchrony, others have been at 1.05. I guess Ally is catching up.
by DaftInvestor
Sat Apr 22, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 35086

Re: Larry Swedroe says "Goodby."

Sorry to see Larry go.
I can't say I blame him - there are some folks here that seem to be less and less civil - and I absolutely see some attacks happening before even understanding the points of those being attacked. It's a well moderated forum but civility is still lacking in many discussions.
by DaftInvestor
Sat Apr 22, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5993

Re: Comcast negotiations

I don't waste my time trying to negotiating or threatening to cancel. I just cancel and then re-subscribe under my fiancé's name. Then I cancel and re-subscribe under my name... Doesn't this require you to return all equipment and then receive and re-initialize all equipment again? Then you have to...
by DaftInvestor
Fri Apr 21, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 320
Views: 15974

Re: I don't understand the case for EE bonds

I'm really not trying to be rude, but that's irrelevant to my question. I would like to know, specifically, why you are attracted to EE bonds. Didn't he state it above? : "get a guaranteed 3.5% nominal return over the next 20 years" Stock market doesn't do this. When I addressed that issu...
by DaftInvestor
Fri Apr 21, 2017 5:00 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 320
Views: 15974

Re: I don't understand the case for EE bonds

May I then ask why you hold EE bonds? People talk about risk, but how much risk is there in holding equities for twenty years? Is it because you want a guarantee, irrespective of inflation risk? Are you 100% stocks? I'm really not trying to be rude, but that's irrelevant to my question. I would lik...
by DaftInvestor
Fri Apr 21, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5993

Re: Comcast negotiations

I don't waste my time trying to negotiating or threatening to cancel. I just cancel and then re-subscribe under my fiancé's name. Then I cancel and re-subscribe under my name... Doesn't this require you to return all equipment and then receive and re-initialize all equipment again? Then you have to...
by DaftInvestor
Fri Apr 21, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 320
Views: 15974

Re: I don't understand the case for EE bonds

May I then ask why you hold EE bonds? People talk about risk, but how much risk is there in holding equities for twenty years? Is it because you want a guarantee, irrespective of inflation risk? Are you 100% stocks? I'm really not trying to be rude, but that's irrelevant to my question. I would lik...
by DaftInvestor
Fri Apr 21, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Standalone wrist pedometer/watch?
Replies: 9
Views: 522

Re: Standalone wrist pedometer/watch?

https://www.fivebelow.com/series-8-fitnesss-trade-action-tracker.html OP, Do not know whether it has all the features. But, the price is right, $5 each. KlangFool As long as nisiprius doesn't mind pink - site states:"The style/color we send you will be a surprise" :) Also - I wonder why t...
by DaftInvestor
Fri Apr 21, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5993

Re: Comcast negotiations

I don't waste my time trying to negotiating or threatening to cancel. I just cancel and then re-subscribe under my fiancé's name. Then I cancel and re-subscribe under my name... Doesn't this require you to return all equipment and then receive and re-initialize all equipment again? Then you have to...
by DaftInvestor
Fri Apr 21, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 81
Views: 6362

Re: Removing a tree - expensive!!!

You didn't state how tall the tree is which might be driving the cost but $1850 sounds high - I'd get other quotes.
by DaftInvestor
Fri Apr 21, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: 529 and Vanguard Status
Replies: 6
Views: 660

Re: 529 and Vanguard Status

For a Boglehead that is invested in a basic set of Index funds, and never requires no human to talk to, these benefits are not needed. I suppose if you have some "play money" that you use to trade individual stocks with, the $2 trades for stocks could be nice. Of course for someone with mo...
by DaftInvestor
Fri Apr 21, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 3426

Re: Car Choices

Would he not consider a Civic because you drive one? My wife always is grouchy if I suggest getting a second of something that we like. Like the Civic, let's get 2. Nope. Have to be different. Why? Cause. :shock: I have this problem when we go out to dinner - for some reason I get in trouble if I o...
by DaftInvestor
Fri Apr 21, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 3426

Re: Car Choices

You talk about reliability being a top concern but yet don't mention Toyota. Right now, you can get a new 2017 Camry (Similar to other Sedans you mention but far more reliable) for thousands below invoice (New models are coming out in a few months and there is a LOT of inventory so dealerships are g...
by DaftInvestor
Fri Apr 21, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: 529 and Vanguard Status
Replies: 6
Views: 660

Re: 529 and Vanguard Status

As a side question - what is Voyager/Flagship status buying us? Just curious what benefit there is that you care about (I've never seen one) that makes it worthwhile worrying about this. (I found this table - there doesn't appear to be much - the $20 fee is waived with e-delivery anyway: https://inv...
by DaftInvestor
Fri Apr 21, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: When does it make sense to start paying down (or off) a low rate mortgage?
Replies: 53
Views: 5125

Re: When does it make sense to start paying down (or off) a low rate mortgage?

OP here, thank you for all of the replies, it has given me many more things to think about. My personal situation is a 3% mortgage on a very small mortgage that probably doesn't make much difference whether I pay it off or not, but I still think about it a lot, guess I like mental gymnastics. I've ...
by DaftInvestor
Fri Apr 21, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: What to do with books
Replies: 16
Views: 1006

Re: What to do with books

I believe you are coming to the right conclusion that its not worth the time and effort to try to squeak out a few dollars by selling them.

There are LOTs of places that will take them as a donation. Local librarie, Big-Brother-Big-Sister (in some locales they will even pick them up), etc.
by DaftInvestor
Fri Apr 21, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: CPA or TurboTax
Replies: 18
Views: 1425

Re: CPA or TurboTax

In addition to using TurboTax you should do some reading and understanding of basic tax law and deductions - and perhaps you already are. If you use the TurboTax in question-mode and are asked a question - you need to read the question carefully and understand why you are being asked the question. P...
by DaftInvestor
Thu Apr 20, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: 1 million minimum MM at Fidelity
Replies: 4
Views: 1426

Re: 1 million minimum MM at Fidelity

Or you can put $250K into 4 different High-Yield Savings accounts that pay 1.05% (gsbank, synchrony, etc.). I don't get why people are putting money in MMs that are below savings account rates. Is it so money can be moved without 24-hour ACH transfer (e.g. in case I want to time the market and shif...
by DaftInvestor
Thu Apr 20, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: 1 million minimum MM at Fidelity
Replies: 4
Views: 1426

Re: 1 million minimum MM at Fidelity

Or you can put $250K into 4 different High-Yield Savings accounts that pay 1.05% (gsbank, synchrony, etc.). I don't get why people are putting money in MMs that are below savings account rates. Is it so money can be moved without 24-hour ACH transfer (e.g. in case I want to time the market and shift...
by DaftInvestor
Thu Apr 20, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Small Clear Trash Bags for Bathroom
Replies: 9
Views: 1038

Re: Small Clear Trash Bags for Bathroom

If we used plastic bags in the bathroom trash my environmental conscious daughter would disown us.
by DaftInvestor
Thu Apr 20, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: I will pay off mortgage at 40. What next?
Replies: 22
Views: 2600

Re: I will pay off mortgage at 40. What next?

Sounds like you expect that after your wife gets her degree your household income will increase putting you, probably, in a higher tax bracket. Thus - you want to save - but also want to avoid (or defer) taxes on growth of your money as much as possible. Try to max out tax-deferred retirement accoun...
by DaftInvestor
Thu Apr 20, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 46
Views: 2816

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

I've been in similar circumstances and haven't found anything additional to do other than pay the bill and try to avoid the situation next time. If the insurance company actually paid 50% of the FULL bill (as they are obligated to) you are a step ahead of were I usually start. (In my case I went in ...
by DaftInvestor
Wed Apr 19, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7831

Re: Mens Blue Jeans - What are we buying now?!

As I got older (60's) my daughter said that I look like a dork in those jeans. Aren't we supposed to look like Dork's when in our 60's? :D Or at least not care how we look? :D My daughter cares when she is seen with me! And soon I meet her new boyfriend and possibly his family! :) I just went to th...
by DaftInvestor
Wed Apr 19, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7831

Re: Mens Blue Jeans - What are we buying now?!

As I got older (60's) my daughter said that I look like a dork in those jeans. Aren't we supposed to look like Dork's when in our 60's? :D Or at least not care how we look? :D My daughter cares when she is seen with me! And soon I meet her new boyfriend and possibly his family! :) I just went to th...
by DaftInvestor
Wed Apr 19, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7831

Re: Mens Blue Jeans - What are we buying now?!

Ozonewanderer wrote:As I got older (60's) my daughter said that I look like a dork in those jeans.


Aren't we supposed to look like Dork's when in our 60's? :D
Or at least not care how we look? :D
by DaftInvestor
Wed Apr 19, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: My kids don't care about saving
Replies: 114
Views: 11012

Re: My kids don't care about saving

At 24-30 you have to start to let things go. You've let your opinions be known - they are now adults.
I talked to my children many times about how important daily (or at least 3-times weekly) exercise is. One exercises regularly while the other does not.
by DaftInvestor
Wed Apr 19, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 35
Views: 3799

Re: I bonds May 2017

How long are you planning to hold your I-Bonds? If it's for 20 years, why not just go with EE Bonds? Because I Bonds are flexible and can be cashed in after 1 year and adjust if we have severe inflation. Aren't series EE are a bad investment unless you hold them at least 20 years. I have a hard see...
by DaftInvestor
Wed Apr 19, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 35
Views: 3799

Re: I bonds May 2017

Also - this is the inflation-protected part of my bond space (in addition to serving as a 2nd-tier emergency fund which EE bonds do not) - if inflation picks up - ibonds will outperform ee bonds even if held for a full 20 years. I just bought mine for the year as well, and got an extra almost $5K f...
by DaftInvestor
Wed Apr 19, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 35
Views: 3799

Re: I bonds May 2017

If you buy in April you will get a fixed rate of 0% + a variable inflation rate of 2.76% for the next 6 months - April to October 2017. In November 2017, you will get a rate of 0% fixed + a variable rate of 1.91%, the blended rate is 2.35%. The first twelve months earnings is 2.35%, after that no o...
by DaftInvestor
Wed Apr 19, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Why do I owe so much on my taxes?
Replies: 32
Views: 3895

Re: Why do I owe so much on my taxes?

Some people get excited to get money back when they do their taxes. Others get upset when they have to pay. Neither should be the case. If you are getting money back it simply means you gave the government more than you should have. If you have to pay (and didn't underpay 2 years in a row and in suc...
by DaftInvestor
Wed Apr 19, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 64
Views: 5039

Re: Tips on Uber

Just tip, don't be a tightwad, these people barely make enough to justify what their doing. Saying the app doesn't allow it, is just a copout, just hand them a five, at least their trying to make ends meet by working. People remind me of some relatives, they have boat loads of money but like to pre...
by DaftInvestor
Wed Apr 19, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 35
Views: 3799

Re: I bonds May 2017

If you buy in April you will get a fixed rate of 0% + a variable inflation rate of 2.76% for the next 6 months - April to October 2017. In November 2017, you will get a rate of 0% fixed + a variable rate of 1.91%, the blended rate is 2.35%. The first twelve months earnings is 2.35%, after that no o...

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