Search found 143 matches

by InvestoGuy
Mon Jun 12, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: Traveling to UK/France: Suggest a pre-paid SIM Card
Replies: 17
Views: 990

Re: Traveling to UK/France: Suggest a pre-paid SIM Card

If you bought your phone from Verizon, it is likely locked (unless established otherwise). If you bought it outside for full price and took it to Verizon, probably unlocked. You need to be sure it supports GSM and European frequencies (I think that is normal for Iphone6, but I don't use iphone). If...
by InvestoGuy
Sun Jun 11, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Traveling to UK/France: Suggest a pre-paid SIM Card
Replies: 17
Views: 990

Re: Traveling to UK/France: Suggest a pre-paid SIM Card

curmudgeon wrote:two key questions: is your iphone unlocked (or can you get it unlocked based on your contract)? Which country will you start in?


From what i can tell it is unlocked. I am currently in the US on the Verizon network.
by InvestoGuy
Sun Jun 11, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Traveling to UK/France: Suggest a pre-paid SIM Card
Replies: 17
Views: 990

Traveling to UK/France: Suggest a pre-paid SIM Card

Hello,
Based on prior experience, can someone please suggest me a pre-paid SIM card for use in UK and France.

I have the iPhone 6 and currently on Verizon so will need something that works with it.
Just basic Voice and Texting, minimal Data needs.

Thank you.
by InvestoGuy
Fri Jun 09, 2017 8:50 am
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 6456

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

I woke up this morning thinking exactly the same. However, this is how I pacify myself: 1. When you have made a conscious decision to invest in Indexes at a low cost, you have agreed that you will be happy with the 'average' return of the market, at a low cost. Thus, mathematically speaking you will...
by InvestoGuy
Thu Jun 08, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 5201

Re: Used 2013 Audi A5 or New Honda Accord Sport

Neither, just use Uber. Go buy VTI with the $15K and save on insurance as well. That's what I did. :happy
by InvestoGuy
Wed Jun 07, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Financially independent and then market crashes?
Replies: 54
Views: 5815

Re: Financially independent and then market crashes?

Sorry, a very basic question: 25X of what? Annual expenses? What all should this calculation include, as a rule of thumb. The whole idea originates in some studies back in the early 90's that showed that the most money people could withdraw from typical portfolios and mostly not run out of money be...
by InvestoGuy
Wed Jun 07, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Financially independent and then market crashes?
Replies: 54
Views: 5815

Re: Financially independent and then market crashes?

Sorry, a very basic question: 25X of what? Annual expenses? What all should this calculation include, as a rule of thumb.
by InvestoGuy
Wed Jun 07, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Headed to Montreal tomorrow! Need advice!
Replies: 11
Views: 732

Re: Headed to Montreal tomorrow! Need advice!

Always use the ATM. Always. Every bank I've used has given me the spot exchange rate. Make sure yours doesn't charge a foreign transaction fee or anything (I haven't ever seen this, but I suppose it's possible). Also check your credit cards and see if you have one that does not charge a foreign tra...
by InvestoGuy
Tue Jun 06, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2367
Views: 719834

Re: What Book Are You Currently Reading? Part VI

Charlie Munger: The Complete Investor by Tren Griffin (Author)

This is not just about value investing but also but behavioral aspects of the human race. The psychology of human mis-judgement is discussed well.
by InvestoGuy
Mon May 23, 2016 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Excessive Expense Ratios for Index Funds in 401(k)
Replies: 10
Views: 878

Re: Excessive Expense Ratios for Index Funds in 401(k)

Thank you all for your replies. The funds I have is the: PLFMX with an ER of 0.78%. (and similar other funds with 0.73 to 0.78% ERs). So it does look like they are trying to pass on the Admin Fees to us. I guess I don't have choice here, than go with the flow and enjoy the 'tax advantages' of the 40...
by InvestoGuy
Mon May 23, 2016 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Excessive Expense Ratios for Index Funds in 401(k)
Replies: 10
Views: 878

Excessive Expense Ratios for Index Funds in 401(k)

Hello, We are a small company and just recently got a 401(k) plan. I was thrilled and excited when I heard that, but soon was in despair when I saw the E/R for the index funds offering. The E/R for a S&P 500 Index fund is about 10 times more than that of an equivalent Vanguard or Fidelity Sparta...
by InvestoGuy
Mon Dec 21, 2015 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Catrchup for 2015
Replies: 2
Views: 341

401k Catrchup for 2015

Hello, I switched jobs last year in Nov and my new company only started to offer a 401k this year in Nov. Therefore, I am no where near the $18,500 limit for the year. I am under 50, but is there a way for me to catch up in my 401K contributions for the year 2015. I am considering an IRA, but just w...
by InvestoGuy
Mon Dec 07, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: Looking for a Maltese and a Havanese Breeder
Replies: 3
Views: 538

Looking for a Maltese and a Havanese Breeder

Hello,
We are interested in getting a Maltese or a Havanese pup. Can someone share a AKC certified, ethical breeder for either / both breeds. We live in the Midwest, so Midwest based would be great.
Thanks.
by InvestoGuy
Mon Dec 01, 2014 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: No 401(k) options
Replies: 5
Views: 774

Re: No 401(k) options

Thank you all for the replies. Another piece of information and thus a new question: My wife does have a 401k through her employer. We are contributing the max $18,500 in her account. Will this plan work: I put in $5,500 in my IRA and put in $13,000 more in my wife's 401k, for a total of $31,500 in ...
by InvestoGuy
Mon Dec 01, 2014 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: No 401(k) options
Replies: 5
Views: 774

No 401(k) options

Hello, My company does not provide a 401(k) plan. I researched the other possible options. My conclusions are: 1. IRA: This is an option, however this only allows $5,500 tax-deductible, also I may not qualify based on income for the tax-deductible portion. 2. SEP / SIMPLE IRA: I don't qualify since ...
by InvestoGuy
Tue Oct 29, 2013 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: investing for higher interest
Replies: 9
Views: 1578

Re: investing for higher interest

Hi kd2008,
Have you ever tried or had to remit the money back to US in USD after the FCNR matured or even prematurely? How was that experience?
Regards.
by InvestoGuy
Mon Aug 19, 2013 2:29 pm
Forum: Personal Consumer Issues
Topic: Help with Apple Time Capsule
Replies: 2
Views: 514

Help with Apple Time Capsule

Hello: A friend of mine is using the Apple Time Capsule device for backups. He has over 3-4 years of data backed up on it. Recently, after getting a new MacBook Air he was no longer able to access and retrieve the files on Time Capsule. The message is somewhere along the lines of 'incompatible OS et...
by InvestoGuy
Wed Jul 31, 2013 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Taxation for NRO Accounts
Replies: 0
Views: 191

Taxation for NRO Accounts

Hello:
I am a US Citizen with a NRO account in an Indian bank. What are my tax liabilities for the account, either in India or in the US for the original principal amount and for the interest received?
Regards.
by InvestoGuy
Fri Apr 05, 2013 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: W-2 Box 12 Code V - What do I need to do about that?
Replies: 3
Views: 9554

Re: W-2 Box 12 Code V - What do I need to do about that?

Thanks dbr. At that point you will enter the correct cost basis. In fact I assume under new broker reporting requirements the broker will report the correct cost basis as covered shares. How do I calculate the 'correct cost basis' and how do I figure out which shares are the one being referred to in...
by InvestoGuy
Fri Apr 05, 2013 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: W-2 Box 12 Code V - What do I need to do about that?
Replies: 3
Views: 9554

W-2 Box 12 Code V - What do I need to do about that?

Hello: On my W-2, in box 12, I have a certain amount with code V in it. Per my understanding, Code V is Income from exercise of nonstatutory stock options, which is already included in my W-2 as income. I am confused on what I need to do about this, regarding tax reporting. Based on my research I go...
by InvestoGuy
Fri Feb 08, 2013 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to leverage Brokerage Account in 401(k)
Replies: 1
Views: 263

How to leverage Brokerage Account in 401(k)

Hello All, My 401(k) provider gives us the option of a Brokerage Account through the 401(k). I use that and have setup Vanguard ETFs per my AA. Currently, my bi-monthly 401(k) contribution goes to the non-brokerage side of the account, in which I have picked Vanguard equivalent funds that are availa...
by InvestoGuy
Tue Jan 15, 2013 11:19 am
Forum: Personal Consumer Issues
Topic: Recommend a vehicle similar to the Acura MDX
Replies: 9
Views: 1661

Recommend a vehicle similar to the Acura MDX

I have zeroed in on an Acura MDX as a potential next vehicle, however, I am realizing the 2009/2010 models have very poor mileage (15/20). We are interested in a similar sized SUV, but with a better mileage. What other vehicles should I consider? The RDX and Lexus RX 300 is a tad small and anything ...
by InvestoGuy
Tue Jan 15, 2013 11:16 am
Forum: Personal Consumer Issues
Topic: Questions to ask when buying a used car
Replies: 12
Views: 1254

Re: Questions to ask when buying a used car

Thank you all for your great insights. I learned a lot of new things. This is great info. Regards.
by InvestoGuy
Mon Jan 14, 2013 9:59 am
Forum: Personal Consumer Issues
Topic: Questions to ask when buying a used car
Replies: 12
Views: 1254

Questions to ask when buying a used car

Folks: I have identified a used Acura MDX 2009. I am about to start negotiations with the dealer. The car is not In my town, so a physical inspection / test drive is not possible. Need some advice on: 1. Other than Edmunds and KBB, how do I determine the price is fair? 2. How do I make sure it is no...
by InvestoGuy
Sat Jan 12, 2013 10:40 am
Forum: Personal Consumer Issues
Topic: Things to do in Seattle and Vancouver in Feb
Replies: 14
Views: 1079

Re: Things to do in Seattle and Vancouver in Feb

I live in Bellingham (about 80 miles north of Seattle). Worst month to visit of course, but the San Juan Islands are beautiful (there are over 100 islands in Puget Sound Bay). You can take a ferry from Anacortes. Also the drive up Mt Baker is incredible right here in Bellingham. In Seattle downtown...
by InvestoGuy
Sat Jan 12, 2013 10:00 am
Forum: Personal Consumer Issues
Topic: Things to do in Seattle and Vancouver in Feb
Replies: 14
Views: 1079

Things to do in Seattle and Vancouver in Feb

I have the opportunity to spend a weekend the first week of Feb in Seattle and/or Vancouver. I love to do outdoorsy things, but given the season, would you recommend anything outdoor? What recommendations do you have for outdoor / indoor things in either cities?
by InvestoGuy
Fri Jan 11, 2013 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Canadian $
Replies: 30
Views: 1765

Re: Getting Canadian $

I am only talking a small amount here for food and entertainment, maybe $500-600 bucks.
by InvestoGuy
Fri Jan 11, 2013 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Canadian $
Replies: 30
Views: 1765

Getting Canadian $

Hello:
I may have to travel to Canada for a few days. Where will I get the best rate to convert USD to Canadian Dollars?
Should I do it at a local bank in the US or a bank in Canada or just go to the ATM in Canada and withdraw money there?
Thanks.
by InvestoGuy
Thu Jan 03, 2013 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on spouse’s elderly parents’ move to the US
Replies: 6
Views: 727

Re: Advice on spouse’s elderly parents’ move to the US

Thank you all for your responses. I appreciate the advice. Looks like lot more research to do.
Any other information / advice is welcome as well. More posters the better.
by InvestoGuy
Thu Jan 03, 2013 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Advice on spouse’s elderly parents’ move to the US
Replies: 6
Views: 727

Advice on spouse’s elderly parents’ move to the US

Advice on spouse’s elderly parents’ move to the US I would appreciate some input / suggestions on the following situation. Spouse’s Parents: Age: 82 and 76. Citizenship: NOT US Citizens. Another 6 years for citizenship. Green card Status: In process, will take another year. Current Domicile: Outside...
by InvestoGuy
Sat Nov 03, 2012 6:23 pm
Forum: Personal Consumer Issues
Topic: Confession + POLL: I succumbed to an iPad mini
Replies: 97
Views: 6305

Re: Confession + POLL: I succumbed to an iPad mini

I bought a Surface and totally loving it.
by InvestoGuy
Mon Sep 17, 2012 5:47 pm
Forum: Personal Consumer Issues
Topic: Any Prius owners?
Replies: 37
Views: 4328

Re: Any Prius owners?

I was under the impression that you need to change the Battery
every 2-3 years and that can be very expensive. Is that true.
by InvestoGuy
Sun Sep 16, 2012 1:15 pm
Forum: Personal Consumer Issues
Topic: How to start a startup
Replies: 16
Views: 1649

Re: How to start a startup

Thank you all for taking the time to read my post and responding. I appreciate it. Regards.
by InvestoGuy
Fri Sep 14, 2012 8:38 am
Forum: Personal Consumer Issues
Topic: How to start a startup
Replies: 16
Views: 1649

How to start a startup

Folks: Simple ask to the entrepreneurs on this forum. I have a idea I want to see implemented as a Startup. I don't have much money to spend on it, but I have also realized that the best way to start a startup is using someone else's money, a.k.a VCs. What are the concrete next steps I should take t...
by InvestoGuy
Tue Sep 04, 2012 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Input on allocating funds for 401(k)
Replies: 4
Views: 346

Re: Input on allocating funds for 401(k)

GRT2BOUTDOORS wrote:Does it offer Total Stk Market index or a combination of Large Cap Index + Extended Index? If so, eliminate the small cap active options with no worries.

Yes it does offer the Spartan 500 Index Fund for large caps and the Spartan Extended Market Index Fund for mid caps.
by InvestoGuy
Tue Sep 04, 2012 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Input on allocating funds for 401(k)
Replies: 4
Views: 346

Input on allocating funds for 401(k)

I am helping someone select funds for their 401(k) plan. To make a long story short, the 401(k) plan offers Index funds for the all major asset classes except the Small Cap. The only Small Cap funds offered are: ALLNZ NFJ SMCAPVAL I (PSVIX): e/r 0.86% and Royce Value Plus Fund Institutional Class (R...
by InvestoGuy
Tue Sep 04, 2012 3:30 pm
Forum: Personal Consumer Issues
Topic: Info on Rotary Club
Replies: 6
Views: 959

Re: Info on Rotary Club

Sheepdog: I have visited several foreign countries because of international Rotary conventions which I wanted to attend and for our club's international projects such as providing a pasta factory in Argentina to provide employment for handicapped persons there. I have entertained and enjoyed Rotaria...
by InvestoGuy
Tue Sep 04, 2012 1:37 pm
Forum: Personal Consumer Issues
Topic: Info on Rotary Club
Replies: 6
Views: 959

Info on Rotary Club

A friend of mine recently invited me to join the local chapter of the Rotary club. I was wondering if there are any Rotarian bogleheads and how their experience has been and if they would recommend it?
Any thoughts / tips on this.
Thanks.
by InvestoGuy
Mon Jul 30, 2012 6:02 pm
Forum: Personal Consumer Issues
Topic: Quotable Quotes from Bogleheads
Replies: 5
Views: 809

Quotable Quotes from Bogleheads

[Edited to add Nisiprius's quote. My apologies, how could I forget one of the most prolific posters]. Folks: Over the past few months I have collected some interesting signature quotes from our forums. Below is my collection. Please feel free to add to it (if it is part of a Boglehead signature). Th...
by InvestoGuy
Sat Jul 28, 2012 6:12 am
Forum: Personal Consumer Issues
Topic: Bought First iPad - Not sure if we like it
Replies: 104
Views: 10035

Re: Bought First iPad - Not sure if we like it

If you like Windows, you should have waited for Surface or a Windows 8 based slate.
by InvestoGuy
Wed Jun 20, 2012 10:10 am
Forum: Investing - Theory, News & General
Topic: Forbes Article on '6 Reasons Why I Don't Invest In The U.S.'
Replies: 12
Views: 1520

Forbes Article on '6 Reasons Why I Don't Invest In The U.S.'

Folks: Just saw this arcticle on Forbes on '6 Reasons Why I Don't Invest In The U.S. Stock Market': http://www.forbes.com/sites/ericsavitz/2012/03/21/6-reasons-why-i-dont-invest-in-the-u-s-stock-market/ The author Auren Hoffman sites 6 reasons on why one should not be in the US Stock market. He site...
by InvestoGuy
Wed May 23, 2012 9:55 pm
Forum: Personal Consumer Issues
Topic: 50 things to do before the Sun goes down
Replies: 32
Views: 4823

Re: 50 things to do before the Sun goes down

Impact someones life positively.
by InvestoGuy
Wed May 23, 2012 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: House is paid off!!!
Replies: 48
Views: 4632

Re: House is paid off!!!

Fantastic achievement. I recently reduced my 30 yr to a 15 yr and got about 13 more years left on it. I just can't wait for that day to arrive for me. Hope it does soon. Good luck.
by InvestoGuy
Mon Apr 30, 2012 1:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Pittsburgh PA Chapters?
Replies: 15
Views: 2405

Re: Pittsburgh PA Chapters?

Mel: Any chance you can help us get a Omaha, NE chapter going? Regards. Sure. Just start a new thread on this sub-forum with the heading "Interested in an Omaha NE Local Chapter?" or simply "Omaha NE Local Chapter?" and see what happens. If you get five or more Bogleheads who wa...
by InvestoGuy
Mon Apr 30, 2012 1:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Interested in an Omaha NE Local Chapter
Replies: 4
Views: 1785

Interested in an Omaha NE Local Chapter

Anyone around the Omaha / Lincoln NE area interested in starting a local chapter?
Thanks.
by InvestoGuy
Sun Apr 29, 2012 9:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Pittsburgh PA Chapters?
Replies: 15
Views: 2405

Re: Pittsburgh PA Chapters?

Mel:
Any chance you can help us get a Omaha, NE chapter going?
Regards.
by InvestoGuy
Sun Apr 29, 2012 4:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Eastern Nebraska / Omaha Chapter
Replies: 0
Views: 463

Eastern Nebraska / Omaha Chapter

Folks:
Is there an Eastern NE / Omaha Chapter? Anyone interested in starting one?
Regards.
by InvestoGuy
Sun Apr 29, 2012 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: 3-5 year investment
Replies: 19
Views: 2782

Re: 3-5 year investment

I was in a very similar situation and this is how I divvied it up: 1. I-Bonds: $10,000 2. CD: $20,000 (best rate you can find) 3. Vanguard Short / Limited Term Tax Exempt Bond Fund: $20,000 Depending on how you feel about the VG Bonds, you could lower or increase your contribution to it and the CD a...
by InvestoGuy
Thu Apr 19, 2012 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: VMSXX and Expense Ratio. Please help me understand
Replies: 3
Views: 401

Re: VMSXX and Expense Ratio. Please help me understand

Thanks everyone. I much appreciate your input.
by InvestoGuy
Thu Apr 19, 2012 11:47 am
Forum: Investing - Help with Personal Investments
Topic: VMSXX and Expense Ratio. Please help me understand
Replies: 3
Views: 401

VMSXX and Expense Ratio. Please help me understand

Folks: I was consdering the Vanguard Tax-Exempt Money Market Fund (VMSXX) for a short term stable investnemt. I have a question on the expense ration and the net yield. Per Vanguard, the EE is 0.17% and the SEC Yield is 0.09%. So does it mean my NET Yield is: -0.08% Will I slowly lose Captial due to...

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