Search found 506 matches

by F150HD
Sat Mar 25, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Need help with implementing Paul Merriman's Buy and Hold strategy amongst all my investments
Replies: 4
Views: 243

Re: Need help with implementing Paul Merriman's Buy and Hold strategy amongst all my investments

Curious - does anyone have a spreadsheet or plan for managing asset allocation across all your investments? I am going a bit crazy. For example, I have 12 different funds I want to implement (I want to implement Paul Merriman's Buy and Hold Strategy - http://paulmerriman.com/ultimate-buy-hold-strat...
by F150HD
Fri Mar 24, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 38
Views: 2990

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

Maybe so but the part I struggle with is sales tax isn't one of many small nuances associated with the sale of a car. It isn't trivial; It's a huge part of the transaction so I have a difficult time believing that this was somehow overlooked by an inept salesperson. It also seems to follow the same...
by F150HD
Fri Mar 24, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 287
Views: 35555

Re: What is your favorite consumer product?

What consumer staple products do Bogleheads consider to be the best when it comes to food, beverage, personal or household products. Have you discovered an everyday product that exceeds your expectations, be it particular brand or item. My new favorite is from Costco. It's Cottonelle Ultra Comfort ...
by F150HD
Fri Mar 24, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Admiral in both taxable and IRA?
Replies: 22
Views: 1464

Re: Total Stock Market Admiral in both taxable and IRA?

ray333 wrote:
Is owning the same fund in 2 accounts a no no? Should I tilt towards large cap with the s and p index in my Roth?


I have VTSAX in multiple accounts.
by F150HD
Fri Mar 24, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 38
Views: 2990

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

Google is your friend. Yes this sounds like a scam. See link below: http://abcnews.go.com/US/dealership-charge-motor-vehicle-tax-car-purchase/story?id=26515737 That link doesn't reference any scam? it doesn't say the dealership was trying to scam the guy out of $1700 more then he paid, sounds like ...
by F150HD
Fri Mar 24, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 77
Views: 7200

Re: So someone drained $13k from my checking account...

Why would the bank even let this transaction go through? dunno. My Citi card, I get a text for any purchase over $300. Wonder if I can do that for my checking account. Have never asked Wells Fargo about that. Think I might drop them a message right now! I've had 2 credit card #s stolen over the pas...
by F150HD
Fri Mar 24, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 38
Views: 2990

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

similar to above- in my state one pays the sales tax at the DMV where you get your plate and tabs/sticker
by F150HD
Fri Mar 24, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 38
Views: 2990

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

Google is your friend. Yes this sounds like a scam. See link below: http://abcnews.go.com/US/dealership-charge-motor-vehicle-tax-car-purchase/story?id=26515737 That link doesn't reference any scam? it doesn't say the dealership was trying to scam the guy out of $1700 more then he paid, sounds like ...
by F150HD
Fri Mar 24, 2017 5:53 am
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 77
Views: 7200

Re: So someone drained $13k from my checking account...

It also makes me wonder what would have happened to someone who had only $13,000 to their name and was told they had to wait a week to get it back. I imagine that would be much more frightening than my situation. thats exactly why I'll never own a 'debit' card and tie it to my checking. If someone ...
by F150HD
Fri Mar 24, 2017 5:41 am
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 39
Views: 1772

Re: Honda Transmission Service

sounds like most of the vehicles people are quoting have a transmission specific drain plug? (pretty handy) nearly any vehicle I've owned, I've had to drop the entire tranny pan to drain the fluid. This then involves re-installation using the proper torquing sequence and a new gasket. Also leans at ...
by F150HD
Wed Mar 22, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3115

Re: Where do you order checks from?

I haven't bought some in a long time. Like most, I use maybe 1-5 a year (if that). BUT, if I did need to order again, I'd prob just order through my bank and pick them up ON SITE versus having something sitting on my doorstep to be stolen. Happened to my sister years ago, in that case- the USPS carr...
by F150HD
Wed Mar 22, 2017 5:45 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9236

Re: Anyone else taking less risk

james22 wrote: Because once an investor looks at cash as an option – in essence, the price of being able to scoop up a bargain when it becomes available –


So this essentially advocates market timing.
by F150HD
Tue Mar 21, 2017 5:49 am
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3094

Re: What is your preferred Weather App?

How do you know these weather apps scan your data? If it's true I will delete them. Links please. no link. When you go to Google Play and hit 'install' on any app, the app pops up prior to install and requests permissions to read this and that- read that carefully. That is where you can see what in...
by F150HD
Tue Mar 21, 2017 5:45 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9236

Re: Anyone else taking less risk

I realize no one can predict the end of this rally and when the next correction will come, but has anyone else adjusted their asset allocation to a more conservative one because it has been a long bull market whether it was hated or not. I went from 65/35 to 60/40 just in case. #1: Pigs Get Fat, Ho...
by F150HD
Mon Mar 20, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3094

Re: What is your preferred Weather App?

Iphone here. What app do you prefer? I've used "Weather Channel" for a while but would like to try something different. Used to use the Intellicast App- was awesome. Nice radar and hourly breakdown for when I was traveling. Then they ended it. Now in looking to replace it, I see many weat...
by F150HD
Mon Mar 20, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10654

Re: Paying $20 to E-File State Return

3 minutes? Printing (ink+Paper) has a cost. Putting a stamp or multiple stamps on it has a cost. Putting it in an envelope (which has a cost) and making sure it is all stapled together with the correct attachments is probably more like 5 to 10 minutes (not a fraction of the 3) - then there is addre...
by F150HD
Mon Mar 20, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10654

Re: Paying $20 to E-File State Return

It's just a matter of opinion. Most people do not consider 3 minutes a lot of time (print out return, address it, drop in mailbox). For others, it's different priorities. in todays age of identity theft I'd be much less prone to drop something in the mail like a tax document w/ all my financial inf...
by F150HD
Sun Mar 19, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 113
Views: 8771

Re: Preparing financially for our funerals - prepay or not?

flyingbison wrote:I don't see much advantage in prepaying, unless you really want to ensure that you get specific products and services when you die.


I do, makes it much, much easier on the people left behind.
by F150HD
Sun Mar 19, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10654

Re: Paying $20 to E-File State Return

This is not true: Here's what I do. I make sure that both Federal and State (PA, I am the original poster from 2011) have at least enough of a refund for the prior year to cover my first quarter estimate for the current year. I do this by making a final estimated payment for the prior year (in this...
by F150HD
Sun Mar 19, 2017 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: VFIAX vs. FUSVX capital gains distribution
Replies: 6
Views: 506

Re: VFIAX vs. FUSVX capital gains distribution

I am doing the taxes this year. I own both index funds FUSVX (exp. ratio 0.045%) from Fidelity and VFIAX (exp. ratio. 0.05%) from Vanguard. They look identical. However, in 2016 it seems that FUSVX generated quite a bit of capital gains distribution (0.5%). VFIAX generated none. I see similar capit...
by F150HD
Sun Mar 19, 2017 6:46 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 6510

Re: It's worth remembering that bull markets don't last forever

so what were bond yields in the 70s? anything like it is now?
by F150HD
Sun Mar 19, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10654

Re: Paying $20 to E-File State Return

is the probability of being audited LESS if you e-file everything? versus mailing paper? just wondering.... a paper copy arriving is already in their hand waiting to be scrutinized versus millions of 'efiles' arriving to their database where they then have to be selected for audit (somehow). Guessi...
by F150HD
Sun Mar 19, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10654

Re: Paying $20 to E-File State Return

I pay. I want tax paying to be done , finished, buttoned up. If this is the worst way I spend money, then I am happy. yea, unless one sends certified, one really has no way of knowing if it was even received on the other end, so, there's still a cost to send certified of $3-5ish per envelope (one t...
by F150HD
Sun Mar 19, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10654

Re: Paying $20 to E-File State Return

Dandy wrote:
In any event after paying a decent amount for Turbo Tax I should be able to e file both state and federal without charge.


In todays day and age you'd think itd be no-cost to efile Fed and State as its just less hassle for everyone on each end. Dunno.
by F150HD
Sun Mar 19, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10654

Re: Paying $20 to E-File State Return

Old thread, but same question: H&R Block software Deluxe + State - you have to pay $20 to e-file the State return through the program. How many folks here just pay it, file it electronically, and move on with life? how many 'print' the return and mail? Note: not looking for reviews of other prod...
by F150HD
Sat Mar 18, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: VWELX [Vanguard Wellington]
Replies: 40
Views: 3162

Re: VWELX [Vanguard Wellington]

dh wrote:Jack Bogle owns shares in this fund. If it is good enough for him, it is good enough for me. :sharebeer


yea, but does Jack Bogle know livesoft's post count? That is truly the question. :wink:
by F150HD
Sat Mar 18, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 67
Views: 6783

Re: Citi card Nightmare

Don't know, the tech support people I talked with were very vague. One mentioned something about a recent "problem" with I.E, so they had me try and log-on using Chrome and Firefox. But Neither of those worked. At the point where they gave up and suggested I re-register under new user nam...
by F150HD
Sat Mar 18, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: VWELX [Vanguard Wellington]
Replies: 40
Views: 3162

Re: VWELX [Vanguard Wellington]

this thread is confusing We should have a StLutz post a "Definitive Thread on Wellington". That ought to settle the matter once and for all. :P Its open. Its closed. Its open. Its closed. :oops: I was just in this fund last year but someone posted a link to a thread from 2013 (?) stating ...
by F150HD
Sat Mar 18, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 67
Views: 6783

Re: Citi card Nightmare

drawpoker wrote:
For the same reason so many other Citi customers got locked out - some software glitch with the Citi website that went on for weeks without being resolved.


I have this exact card and have had no issues accessing my account online, so am wondering what the issue is/was.
by F150HD
Sat Mar 18, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market Fund vs. Federal Money Market Fund
Replies: 10
Views: 1663

Re: Prime Money Market Fund vs. Federal Money Market Fund

Is there a thread somewhere on the forum discussing the relative merits and risks of staying with the Prime Money Market Fund vs. going with the Federal Money Market Fund in light of the regulation changes coming in October? My other mutual fund company made it easy by simply eliminating its prime ...
by F150HD
Sat Mar 18, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: VWELX [Vanguard Wellington]
Replies: 40
Views: 3162

Re: VWELX [Vanguard Wellington]

this thread is confusing
by F150HD
Sat Mar 18, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: When does a new computer make sense...
Replies: 27
Views: 1668

Re: When does a new computer make sense...

Hi, Just asking for some advice and thoughts on new computers. I remember the "hayday" of computers when capabilities were growing so fast I would literally buy one every two years or so. However, since about 2005 or so, I have seen very little compelling evidence to go get a new one. I h...
by F150HD
Sat Mar 18, 2017 8:39 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9236

Re: Anyone else taking less risk

I realize no one can predict the end of this rally and when the next correction will come, but has anyone else adjusted their asset allocation to a more conservative one because it has been a long bull market whether it was hated or not. I went from 65/35 to 60/40 just in case. #1: Pigs Get Fat, Ho...
by F150HD
Sat Mar 18, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 67
Views: 6783

Re: Citi card Nightmare

drawpoker wrote:Okay, so I get locked out of my online access with my Citicard rewards card back in February.


so they locked you out of your own account......for what reason?

Just seemed there was info missing here (to me).
by F150HD
Sat Mar 18, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: 250k Student Loan Payment Schedule
Replies: 62
Views: 8037

Re: 250k Student Loan Payment Schedule

For background, I'm 25 years old and have approximately $250k in student loans (I know this is a disgustingly large amount) with the following approximate breakdown ($180k at 7.9%, $66k at 6.8%, and $10k at 5.5%). Fortunately, I've been able to land a biglaw job in NYC making $160k. ? why not conso...
by F150HD
Fri Mar 17, 2017 5:48 am
Forum: Personal Consumer Issues
Topic: (Updated Again- Happy Ending) Issue With Contractor. What to do?
Replies: 53
Views: 4650

Re: Issue With Contractor. What to do?

would appreciate an update on this.
by F150HD
Fri Mar 17, 2017 5:44 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 3097

Re: How do you cope with regret over selling too soon?

My challenge over the years has been in sticking with my common sense convictions. The biggest regret I have is in selling Netflix, which I bought 2,000 shares of back in 2003. Those shares (including splits) would be worth somewhere in the neighborhood of 4 million dollars now. In going over my re...
by F150HD
Thu Mar 16, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Autonomous Vehicles and Drone Deliveries
Replies: 31
Views: 1603

Re: Autonomous Vehicles and Drone Deliveries

Driverless cars will DEFINITELY be integrated into society first and I can't wait. :sharebeer some counties where I Iive depend on DUI $$$ to fund county budgets. Wonder what impact this would have on that... Also, all the no-texting while driving laws would need to be repealed as if you aren't dri...
by F150HD
Thu Mar 16, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Fed Up 403b in NJ
Replies: 10
Views: 859

Re: Fed Up 403b in NJ

The available funds are extremely similar to ordinary mutual funds but conveniently don't have ticker symbols. This is done so that you can't compare/research them -- they provide you with outdated, paper "fact-sheets" that conveniently leave out expense ratios. you just perfectly describ...
by F150HD
Wed Mar 15, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: 403B or Roth IRA?
Replies: 21
Views: 770

Re: 403B or Roth IRA?

Hi there! Good evening! I was hoping to get some insight on which investment is better - a 403B or a Roth IRA (after tax deductions) or a Traditional IRA that will come out of my paycheck on a pre-tax basis. I want to contribute 15% of my paycheck to retirement. Thank you for your advice! why not b...
by F150HD
Wed Mar 15, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 2663

Re: Relocation to Milwaukee

I have a potential job offer in Milwaukee area. While researching, I found the state income taxes are high. Housing is pretty expensive too - about $200/sqft for newer construction. Am currently in a no income tax state. I can expect a 10% raise in base pay. Long term opportunities seem better at t...
by F150HD
Sun Mar 12, 2017 9:59 am
Forum: Investing - Help with Personal Investments
Topic: FSSVX vs VSMAX? YTD return difference [Fidelity vs. Vanguard small-cap]
Replies: 3
Views: 212

FSSVX vs VSMAX? YTD return difference [Fidelity vs. Vanguard small-cap]

In reading the article in this thread https://www.bogleheads.org/forum/viewtopic.php?f=10&t=213480 Have one account at Fidelity & began looking at their small cap index fund and comparing to Vanguards. what exactly is the difference between these 2 funds ? FSSVX and VSMAX Note the YTD return...
by F150HD
Sun Mar 12, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Worth Raising Car Insurance Deductible?
Replies: 26
Views: 1511

Re: Worth Raising Car Insurance Deductible?

Hi everyone, My wife and I each have $100 comprehensive/$100 collision deductibles on our cars. Her cost is $68/mo and mine $75/mo. If we raise our deductibles to $1000/$1000, her cost drops to $60/mo and mine to $65/mo. So we would collectively save $18/mo, which is $216/yr. if the savings were gr...
by F150HD
Sat Mar 11, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: Impact driver (and possibly drill) recommendations
Replies: 36
Views: 1580

Re: Impact driver (and possibly drill) recommendations

I'm looking to get an impact driver for more power when needed and not having the drill chuck slip. Any recommendations? I may also consider upgrading my drill (Black & Decker 18v) if there's a decent combo package I was looking at them a year back. Seeing many electric ones on the market, wasn...
by F150HD
Sat Mar 11, 2017 11:53 pm
Forum: Investing - Theory, News & General
Topic: Merriman article: 12 things every investor should know...
Replies: 43
Views: 5208

Re: Merriman article: 12 things every investor should know...

Does tilting to an Extended Market Index (ie VEXAX) accomplish the same thing as tilting specifically to a small cap index?
by F150HD
Sat Mar 11, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: help with my printer problem
Replies: 30
Views: 1743

Re: help with my printer problem

I don't miss having the inkjet's ability to print photos on glossy paper -- much cheaper and quite easy to have the local wahlgreens print 4x6s and if higher quality/larger prints are needed then there are plenty of good online options. I haven't printed a photo on a home printer in many years. But...
by F150HD
Sat Mar 11, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: help with my printer problem
Replies: 30
Views: 1743

Re: help with my printer problem

So I'm a laser printer devotee again. Found a great deal on a Dell multifunction color laser that is working well so far (Duplex scanning rules!). Toner actually costs more per page in theory than the ink for the Epson, but it doesn't have cleaning/calibration cycles that waste half of the supplies...
by F150HD
Sat Mar 11, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Is China In An Economic Bubble?
Replies: 26
Views: 1291

Re: Is China In An Economic Bubble?

I've been thinking of investing directly into Chinese Stocks and so have been doing lots of research on the country. Yet after all the research I've done, I am coming to conclusion that China may be in a bubble primarily from Real Estate and commodities. What do you think? Have you ever seen this 6...
by F150HD
Thu Mar 09, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a Chase Freedom Unlimited Visa?
Replies: 26
Views: 1630

Re: Should I get a Chase Freedom Unlimited Visa?

Take a look at Citi Double Cash - no annual fee, 2% cash back and CITI Price Rewind feature. I use this as my everyday card. I also have Capital One card which I use for foreign spending (no foreign transaction fee). I use my Costco visa card for costco and gas purchases. +1 easiest route to go and...
by F150HD
Wed Mar 08, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: help with my printer problem
Replies: 30
Views: 1743

Re: help with my printer problem

There is no such thing as a cheap inkjet. They gouge you on the ink cartridges. I think the only reason they charge for the printer at all, rather than strewing them helicopter Ben style, is so people won't see a gift horse and look in it's mouth. yea not an inkjet fan. literally gave my last one a...

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