Search found 310 matches

by Helo80
Tue Sep 26, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Car Lease break
Replies: 3
Views: 180

Re: Car Lease break

Well, the action of last resort is voluntarily surrendering the vehicle as that effectively goes down as a repo. Otherwise, a lot of people (I imagine) would lease a car over 36 months and just surrender it when they got tired of it. in like month 12. http://www.bankrate.com/auto/surrendering-your-l...
by Helo80
Sun Sep 24, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: What am I thinking.. a new car finance thread.
Replies: 16
Views: 1515

Re: What am I thinking.. a new car finance thread.

Have no interest in leasing when I can get 3 year money from PenFed at 1.49%. Probably take about $40K which is a (roughly) $1140 monthly, throw in about $30K of mine and my trade in the $20's. Car will probably accumulate less than 50K miles in ten years so component pricing is not a concern. As s...
by Helo80
Sat Sep 23, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: What am I thinking.. a new car finance thread.
Replies: 16
Views: 1515

Re: What am I thinking.. a new car finance thread.

If I understand your previous posts correctly, you did not really address whether you planned to lease or buy. IMHO, you ought to giver serious thought to leasing... Reasons: 1. Your age 2. If you're on BH, I take it you have a decent disposable income 3. Could you hypothetically do a $1500 car paym...
by Helo80
Thu Sep 21, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help with moving to Vanguard
Replies: 7
Views: 497

Re: Help with moving to Vanguard

My specific questions: Sell positions at Ameritrade or Vanguard? Ideally sell all positions at Ameritrade first such that they're in Ameritrade's money market fund. From there, Vanguard should be able to pull the funds. Vanguard does not allow you to hold positions in every single mutual fund in th...
by Helo80
Thu Sep 21, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: 24F Looking to start an aggressive portfolio
Replies: 31
Views: 2358

Re: 24F Looking to start an aggressive portfolio

tj wrote:
Wed Sep 20, 2017 2:58 pm
Trick? As in covertly seeking single men?

You never know. Who knows what she is getting in her pm's 😁

As of late, the E5's (all men) I've been dealing with are speculating in bitcoin -- mining, trading, etc.

SMH
by Helo80
Thu Sep 21, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: 24F Looking to start an aggressive portfolio
Replies: 31
Views: 2358

Re: 24F Looking to start an aggressive portfolio

Sorry... saw this post one night, but did not have a chance to answer it. Federal civilian here. For E3, here's what I would do if you were my sister. 1. Bravo on staying away from car debt. 2. Until BRS kicks in, there's no point in prioritizing TSP over Roth IRA 3. As an E3, you're in basically th...
by Helo80
Fri Sep 15, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax Credit Freeze 100% online
Replies: 32
Views: 4251

Re: Equifax Credit Freeze 100% online

JD2775 wrote:
Fri Sep 15, 2017 9:15 am
You are lucky you got through. I've tried multiple times, it always fails on the last confirmation step. "System unavailable. Please try again later"

There's probably a bad uplink between the Equifax system and China.
by Helo80
Fri Sep 15, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10273

Re: The 10 year car ownership "rule"

Not just ownership, but maintenance cost. Has anyone kept a detailed log of all fuel and maintenance actions? I'm sure many do or have. I'm willing to bet over 20 years fuel and maintenance doubles up the total cost of the vehicle. For me if I've had a car a long time (more than 10 years), I start ...
by Helo80
Sat Sep 09, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 6078

Re: Luxury car: perception vs reality

Our billionaire venture capitalist drove a basic F-150. The engineers drove Mercedes and Lexus. I'd guess a lot of luxury car owners do not have a high net worth. My first job out of college was working for a semi-large insurance company. The owner of it easily made enough to buy any Rolls Royce of...
by Helo80
Sat Sep 09, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 6078

Re: Luxury car: perception vs reality

One observation is that even "average" cars today are excellent. "Back in the day", you really did have to spend to get something beyond basic and sparse. Today that's not the case. The 1975 Cadillac Seville was way nicer/better than the same year Chevy Nova on which is was based. But the differenc...
by Helo80
Sun Aug 27, 2017 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Salary History for Chemical Engineer
Replies: 30
Views: 4861

Re: Salary History for Chemical Engineer

3. She recently got a big promotion which came a couple months after a scheduled raise. When she applied for the job, her now current boss refused to interview anyone else and offered her the job. He wanted to give her a raise but HR said no because she had just got one. The boss was new to his pos...
by Helo80
Sat Aug 26, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: The old Federal CSRS Retirement System question
Replies: 14
Views: 1293

Re: The old Federal CSRS Retirement System question

Thanks everybody for your replies. My husband will visit HR first thing Monday morning. He's been in the government for a long time and he doesn't want to retire because he thinks he will be bored. I am retired and don't have that problem, but he thinks he will. Another thing --- my agency does FER...
by Helo80
Sat Aug 26, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: The old Federal CSRS Retirement System question
Replies: 14
Views: 1293

Re: The old Federal CSRS Retirement System question

I would strongly suggest, if the OP's spouse intends to work a few more years, that he take advantage of the Voluntary Contribution Program (VCP) that is only available to CSRS employees. I believe there are a number of threads in this forum that mention this program in past discussions. A search o...
by Helo80
Sat Aug 26, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: 93% Chance Your Mutual Fund is Killing You
Replies: 3
Views: 1959

Re: 93% Chance Your Mutual Fund is Killing You

If Motley Fool were really extraordinary stock pickers, they ought to be little Buffetts.
by Helo80
Sat Aug 26, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Major career decision.. offer on table. Huge relocation decision.
Replies: 29
Views: 3067

Re: Major career decision.. offer on table. Huge relocation decision.

midareff wrote:
Sat Aug 26, 2017 10:16 am
Bite the bullet and take it. Once you are in there are many promotional opportunities available when inside that are not available from the outside.
this. /thread
by Helo80
Sat Aug 26, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Major career decision.. offer on table. Huge relocation decision.
Replies: 29
Views: 3067

Re: Major career decision.. offer on table. Huge relocation decision.

Wait, so you've been trying to get into federal law enforcement for years, have submitted hundreds of applications, and now you're getting cold feet with an offer on the table? You would not be the first nor the last to have a current job, apply for a new job, and be offered said new job, albeit at ...
by Helo80
Fri Aug 25, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 17171

Re: Tesla - next big lottery ticket ?

Well, so, have you test-driven a Tesla? I have not. I also have not driven the other three, nor am I willing to spend that kind of money on a car. Btw, an S-class is a worthy contender. Maserati? Let me just say that my neighbor is trying to get out of his Maserati lease so that he can get a Model ...
by Helo80
Fri Aug 25, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 17171

Re: Tesla - next big lottery ticket ?

I will take your opinion more seriously if you have test driven a couple EVs. If so, what are your impressions? :beer If i were spending that kind of money on a car, it would be either an Escalade, S-class or Maserati. I am not saying the Tesla is not a cool car... just not at the price they are as...
by Helo80
Fri Aug 25, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 17171

Re: Tesla - next big lottery ticket ?

There are about 18 million car passenger vehicles sold in the US every year. A majority of these are trucks and SUVs. Its really hard to imagine EVs making a large dent in this segment, especially trucks, which would be required to have a so called cross over point. Even with all the emphasis of fu...
by Helo80
Fri Aug 25, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: Passive investing is a Ponzi scheme
Replies: 77
Views: 5737

Re: Passive investing is a Ponzi scheme

I chalk this interview up ( I did enjoy it for the humor) as another c-suite executive in the industry upset that passive is taking money that they perceive is theirs off their table. She likely has no clue how out of touch she is. But, she lives in NYC (or area) and she can go knock on doors of her...
by Helo80
Fri Aug 25, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: My Master Plan
Replies: 9
Views: 1167

Re: My Master Plan

I have a couple arguments that I haven't decided over when mapping out my plan. I'm looking towards the S&P 500 index and a small-cap growth index vs the total Stock market index. I'm leaning towards the S&P and small-cap. I know most people like the total Stock market index because it's one fund e...
by Helo80
Fri Aug 25, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: Buying a used Tesla
Replies: 18
Views: 2227

Re: Buying a used Tesla

The owners I've talked to said that most "moving" parts were available for almost everything, but that body damage took forever to repair and get parts for. So, where do you take it for servicing if a part goes out? Is there a Tesla dealership in your area, or do you take it to an independent certi...
by Helo80
Fri Aug 25, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: John Bogle video (discusses international)
Replies: 44
Views: 3900

Re: John Bogle video (discusses international)

Thanks for sharing! I see Bogle's reasoning behind no international, though I'm keeping my AA at 20%. We're becoming a more global workforce, and I think a broad sector intl index fund would be good to keep in the back pocket for diversification purposes. When Jack was a wee-youngin' writing his the...
by Helo80
Fri Aug 25, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: The old Federal CSRS Retirement System question
Replies: 14
Views: 1293

Re: The old Federal CSRS Retirement System question

Have him talk to HR. If he's under CSRS, he's likely been in so long that a significant benefit has been accrued such that taking advice on a forum would not be prudent.
by Helo80
Fri Aug 25, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Subaru - One tire bad replace all four?
Replies: 31
Views: 1857

Re: Subaru - One tire bad replace all four?

My Jeep Wrangler has a full size spare. Don't pickups usually have them also? (Maybe I misinterpreted your use of passenger car) Correct -- I meant sedan.... Yes, trucks still come with a full (or nearly full) size spare. I'd have to look under my bed. It's on an inexpensive rim though. Hey, at lea...
by Helo80
Fri Aug 25, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Subaru - One tire bad replace all four?
Replies: 31
Views: 1857

Re: Subaru - One tire bad replace all four?

Does the car have a full size spare tire and if so have you been doing a five tire wheel rotation? IDK if any passenger sedan has a full size spare anymore.... I think mustangs and maybe corvettes just come with a can of fix a flat (or equivalent). My folks had a Mercedes from the 80's, and it came...
by Helo80
Fri Aug 25, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Subaru - One tire bad replace all four?
Replies: 31
Views: 1857

Re: Subaru - One tire bad replace all four?

WhiteMaxima wrote:
Fri Aug 25, 2017 12:19 pm
you need replace two at least . put new tires on rear axle. save the single as full size spare just in case.


that's what I would do if the vehicle's remaining three have at least a 60% service life left... maybe 50% if I'm feeling cheap that week.
by Helo80
Fri Aug 25, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Buying a used Tesla
Replies: 18
Views: 2227

Re: Buying a used Tesla

Does anybody have any experience with purchasing a used Tesla? I'd also like to hear from Tesla owners. Pros and cons of their car. The Tesla community is still niche and there are a couple of forums that I have seen dedicated to the vehicle. I would recommend scoping one of those out for a month o...
by Helo80
Fri Aug 25, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Buying a used Tesla
Replies: 18
Views: 2227

Re: Buying a used Tesla

sambb wrote:
Fri Aug 25, 2017 11:00 am
My family member owned one. All was great until a minor fender bender took 7 months to get parts. Make sure, before you buy, you search for tesla repairs on the forums.


That's not the first time I have heard of extended delays in getting parts for Tesla servicing.
by Helo80
Fri Aug 25, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Move Fidelity ROTH to Vanguard?
Replies: 15
Views: 1195

Re: Move Fidelity ROTH to Vanguard?

Honestly, keep the money at Fidelity. They recently dropped their ER fees on Index funds to below Vanguard's prices --- granted, the difference is so minimal. If you're happy with your current fidelity funds, it would be best to keep them there in Fidelity. If you're not happy with your fidelity fun...
by Helo80
Fri Aug 25, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: "Why do you want to come here?" Hiring Manager Question
Replies: 19
Views: 2932

Re: "Why do you want to come here?" Hiring Manager Question

Based on your 1st paragraph, it sounds like it won't be a stretch to just be honest and have your enthusiasm for the job speak volumes for itself. I agree. As long as you're honest and straightforward, I think that will come off. Trying to deliver a manufactured message that some great plains (or w...
by Helo80
Fri Aug 25, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: "Why do you want to come here?" Hiring Manager Question
Replies: 19
Views: 2932

Re: "Why do you want to come here?" Hiring Manager Question

While I left the feds some years ago, I had hired lots of folks from outside the area, but have never done, nor heard of a commitment contract. It depends on the agency and role. There is a commitment period (3 years I believe) for FBI Special Agent graduates of the academy. CIA has (I believe) a 3...
by Helo80
Fri Aug 25, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Funny/frustrating FedEx situation
Replies: 19
Views: 1980

Re: Funny/frustrating FedEx situation

As others have mentioned, you can cut the sim card down with an exacto knife and it will work in the new phone. I've cut full size sim cards to nano before. Though, sims are cheap enough that this is a short-term solution. The reason why Fedex won't hold the package (at least until the first deliver...
by Helo80
Thu Aug 24, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 17171

Re: Tesla - next big lottery ticket ?

WSJ: Tesla Bonds Tumble in Sign of Concern Over Finances - https://www.wsj.com/articles/tesla-bonds-tumble-in-sign-of-concern-over-finances-1503350854 Zero Hedge: Tesla Bonds Are Now Riskier Than Ukraine's http://www.zerohedge.com/news/2017-08-23/tesla-bonds-are-now-riskier-ukraines WSJ: Tesla’s Pus...
by Helo80
Thu Aug 24, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: What should the savings be for an average professional
Replies: 167
Views: 15889

Re: What should the savings be for an average professional

It just dawned on me that one reason engineers do so well in retirement planning (wealth accumulation) is that their salaries start low, and progress relatively rapidly. Does that allow them to follow the advice of starting their lifestyle on the lower side, and increasing their savings rate as the...
by Helo80
Wed Aug 23, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Racking my brain over my Roth IRA
Replies: 7
Views: 848

Re: Racking my brain over my Roth IRA

I have heard a 3 fund portfolio is the easiest and laziest way to invest. But, in order to actually reap the benefit I need all admiral shares. My plan was to keep investing the 2050 Target Date Fund until I had enough to invest in the three separates with admiral shares. Is it correct that it woul...
by Helo80
Wed Aug 23, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: Account balances over $250,000
Replies: 11
Views: 2527

Re: Account balances over $250,000

In the unlikely event Vanguard itself faced solvency issues, if your money is primarily invested inside a fund instead of cash does that make it secure? http://jlcollinsnh.com/2012/09/07/stocks-part-x-what-if-vanguard-gets-nuked/ You've asked a really great question, but it's honestly a non-issue. ...
by Helo80
Wed Aug 23, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Employer reimbursement for plugin hybrid charge cost?
Replies: 14
Views: 1342

Re: Employer reimbursement for plugin hybrid charge cost?

If your gas is reimbursed 100%, some might argue to forego the PHEV and get a big truck or SUV.
by Helo80
Wed Aug 23, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 15847

Re: Jobs that pay over $100,000

See, the problem with this post is that dunderheads like me (a name I much prefer to "idiot boomer") wonder if you exaggerated the debt as much as you misrepresented the degree. I don't think that the debt is entirely unreasonable though the degree is an obvious exaggeration. Based upon the demogra...
by Helo80
Wed Aug 23, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 15847

Re: Jobs that pay over $100,000

http://transparentcalifornia.com/salaries/all/?&s=-base Please just look at these. 12 million jobs for you to pick thru. It comes with fat pension and likely unlimited OTs also. Government employees, so normally, you can chill, not do a lot, and make bank. Money money money!!! Well, i think OP has ...
by Helo80
Mon Aug 21, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 15847

Re: Jobs that pay over $100,000

Yes, geography does make a big difference. I'm at 14 years of experience and make $105k as a teacher. The summers off are great but, in my case, the part about "great health care" should be replaced with "no health care benefits." The median home price is seven figures in my area and taxes are high...
by Helo80
Mon Aug 21, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14580

Re: How far would you travel to see The Eclipse?

I was in a very "meh" area.... I looked outside during the peak for my area and it was still bright out.

If I were in a good viewing area, I suppose I might have gotten excited.
by Helo80
Sun Aug 20, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to invest in gold?
Replies: 18
Views: 1714

Re: Good time to invest in gold?

I heard that diamond is rare and is better than gold. It's better to buy diamond than buying gold. What do you think? Not sure where you heard this, but that would be a very, very bad idea. I think if we did a poll here on Diamonds versus Investing with Edward Jones, the latter would win handily. I...
by Helo80
Sun Aug 20, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to invest in gold?
Replies: 18
Views: 1714

Re: Good time to invest in gold?

One day, he generously gave me several gold coins. I live in another state. Turns out you can't just cash out your gold around here -- everything within a 30 mile radius only offered ridiculous prices so I had to take a day off of work to sleuth out someone in suburban Virginia. I've been told you ...
by Helo80
Sun Aug 20, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to invest in gold?
Replies: 18
Views: 1714

Re: Good time to invest in gold?

I don't think it's ever a good time to invest in gold and people who do well, it's more akin to good luck at the casino on the blackjack tables or sports betting streaks than so much "understanding market fundamentals" (though, hindsight is always 20/20 and those people will claim they understood ma...
by Helo80
Sun Aug 20, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 15847

Re: Jobs that pay over $100,000

Many newly minted MBAs from a top 25 school start with a >$100K salary. Of course they need 3-5 years of decent work experience before going through the two year program. Lots of directions an MBA can go. MBAs are not a bad route either, and you can earn money without accumulating much, or any deba...
by Helo80
Sat Aug 19, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 15847

Re: Jobs that pay over $100,000

Warren Buffett has talked to many college students over the years and the number one takeaway he wants them to remember is to take the job you would do for free. If you truly find something you love and are passionate about, the money will eventually follow and if it doesn't you could learn to live...
by Helo80
Thu Aug 17, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking further Roth IRA explanation.
Replies: 17
Views: 1061

Re: Seeking further Roth IRA explanation.

How do I make a roth worth for me, if I can't put in the min $5,500 per year at one time? Mutual/index funds have typical min buys such as $2,000 or 3,000.... As an apprentice to a trade, I don't make much so I have to me fiscally smart(have emergency fund, no debt) but at the same time I would lik...
by Helo80
Thu Aug 17, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Plan
Replies: 7
Views: 545

Re: Investment Plan

If you all are both civil service, for both of y'all I'd do: 1. TSP to agency match (5%) 2. Roth IRA to $5500 3. HSA to max 4. TSP as much as you can after that Another thing to consider is traditional versus Roth TSP. There are plenty of reading materials on traditional versus roth 401k's that woul...
by Helo80
Thu Aug 17, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Should I roll over my old 401k?
Replies: 9
Views: 760

Re: Should I roll over my old 401k?

In another, locked, thread, someone made this comment: The latest report from GAO criticized service providers for encouraging terminated employees to rollover to an IRA as opposed to leaving the assets in the plan or rolling over to the plan at the new employer. Why would I NOT want to roll over m...