Search found 178 matches

by Momus
Wed Oct 26, 2016 1:47 am
Forum: Personal Consumer Issues
Topic: Keeping Verizon Unlimited data Plan
Replies: 19
Views: 1934

Re: Keeping Verizon Unlimited data Plan

T-mobile unlimited data 40/mo each for 4 lines. You can't beat that if your area has decent tmo coverage. Use tethering/mobile Hotspot. Then, drop your Internet cable bill, and TV cable bill. Save thousands a year.
by Momus
Sat Oct 01, 2016 2:17 am
Forum: Personal Consumer Issues
Topic: Do you maintain your house ac, furnace, and water heater? Anything else?
Replies: 14
Views: 1684

Do you maintain your house ac, furnace, and water heater? Anything else?

I have a house that I bought 3 years ago. I haven't done any maintenence on any of the above? Should I hire a pro to check on them? AC, furnace, water heater? Anything else I have to worry about breaking apart? Is it advisable to call a pro to do this? How often should I call a pro over?
by Momus
Tue Sep 27, 2016 11:33 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 168
Views: 12914

Re: What kind of car do Bogleheads like to drive?

8 yo accords, will drive it until the the wheels fall off.
by Momus
Tue Sep 27, 2016 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Cancelling Credit Card After Switch?
Replies: 10
Views: 983

Re: Cancelling Credit Card After Switch?

Don't close it. Your credit age determine your credit score. Also if you close it, it will lower your credit limit, thus lowering your score as well. Put the card on auto buy 50 cents amazon gift card every month indefinitely. Throw the card in your safe. This way you will get a charge every month (...
by Momus
Tue Sep 27, 2016 2:28 am
Forum: Personal Consumer Issues
Topic: Tap Water filter for 2 adults? For drinking.
Replies: 10
Views: 838

Tap Water filter for 2 adults? For drinking.

Anyone here can recommend a water filter for 2 adults household? Each person drinks around 2-3 liters a day. Something cost effective, enough to remove bad stuff (not even sure what that is). My tap water sometimes comes out brownish color... So I need a decent filter to make it suitable for drinkin...
by Momus
Tue Aug 30, 2016 11:35 pm
Forum: Personal Consumer Issues
Topic: Best free net content (Like Youtube, not netflix or amazon)
Replies: 12
Views: 1437

Re: Best free net content (Like Youtube, not netflix or amazon)

Kodi... Ok, you did NOT see this word.
by Momus
Sat Jul 09, 2016 1:26 am
Forum: Personal Consumer Issues
Topic: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!
Replies: 48
Views: 3327

Re: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!

My rotors are warped. I didn't know before. Have been driving for 5 years with warped rotors, thought it was weird shaking during braking. I just leave it alone -_-;?
by Momus
Thu May 12, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 26157

Re: Physician Retirement Savings

39 y/o, procedure oriented specialist. 8 years out of training Taxable and investment accounts 3.5 million, goal is 5 million and then start to work part time Save 85% of after tax income each month and invest in index funds. Live well below my means. Do all my own car repairs and home repairs whic...
by Momus
Tue May 03, 2016 11:44 pm
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 5223

Re: Just called Directv and saved $600 for one year

I use Kodi. I pay 0 for all TV, movies, sports I want. Oh wait... I am not supposed to say that -_-;
by Momus
Sat Mar 05, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 5115

Re: Mac laptop vs. Windows 7 (or 10) laptop

I was once a Mac zealot. However over time I became tired of the limitations of the Mac ecosystem - lack of 3rd party software and inability to customize the hardware to my needs. Now I can't tolerate owning a Mac and haven't bought one for quite a while. Same here. Loved the late 2000's to early 2...
by Momus
Sat Mar 05, 2016 2:52 am
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 5115

Re: Mac laptop vs. Windows 7 (or 10) laptop

Use PC... save your money. Malware and popups are common, and nothing that a little googling can't fix. I have no trouble for the past 15 years using a PC that dawns Mac performance by significant margin. Mac higher price tag is simply NOT worth it. Mac is overpriced overrated product. Do NOT but th...
by Momus
Sun Feb 28, 2016 5:36 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 30101

Re: Don't understand nutrition and exercise

You don't need to... Weight loss is all about 90% diet not exercise. If you think your weight hasn't dropped the past week or two, you are eating too much. Simple as that. If u think you already cut down the calories, you have NOT cut enough... I choose to forfeit exercise sometimes because it takes...
by Momus
Sun Feb 28, 2016 5:26 pm
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 19
Views: 2403

Re: Comcast negotiations

Drop cable TV... Keep the Internet. Learn how to install Kodi (software) on your laptop/firestick + hdmi cable to your TV. Get all free TV shows and latest movies at 0 cost. Never step foot on theater anymore or cable subscriptions. Profit! Not exactly legal, but eh... I get to watch anything I want...
by Momus
Sun Feb 28, 2016 5:45 am
Forum: Personal Finance (Not Investing)
Topic: 1099-DIVs Vanguard (mutual fund and brokerage account)
Replies: 9
Views: 676

1099-DIVs Vanguard (mutual fund and brokerage account)

I had mutual fund account and brokerage fund account. All these times Vanguard sent 2 1099-DIV separately for mutual fund and brokerage account. They are not the same and they don't report the same $$ amount :evil: The problem is Vanguard named the brokerage PDF document as "consolidated 1099 t...
by Momus
Sun Feb 21, 2016 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Which one is better? Pension vs. 401k?
Replies: 14
Views: 1986

Re: Which one is better? Pension vs. 401k?

I'm sure you can do the math of one vs the other of course and I don't know if job #2 has even better career/income prospects down the line (I'm just using the numbers you provided, but different career trajectory prospects might change the equation). Questions about the pension: 1) Is there a mini...
by Momus
Sun Feb 21, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Which one is better? Pension vs. 401k?
Replies: 14
Views: 1986

Re: Which one is better? Pension vs. 401k?

Job # 2 sound like a better monetary deal. My back of the envelope estimate is Job # 1 at retirement would pay a pension in the low to mid 40k's per year at 65. You might want to check what an immediate annuity lump sum would be required to pay 40k per year to see what the value of that pension mig...
by Momus
Sun Feb 21, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Which one is better? Pension vs. 401k?
Replies: 14
Views: 1986

Re: Which one is better? Pension vs. 401k?

Both seem good - which would you rather work at? which offers you a better work-life balance etc. Do you prefer a steady income stream or to take your chances with the market? How secure is the first company? Do you think you'll ever want to retire early? Job 2 provides more flexibility I imagine. ...
by Momus
Sun Feb 21, 2016 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Which one is better? Pension vs. 401k?
Replies: 14
Views: 1986

Which one is better? Pension vs. 401k?

31 years old, planning to retire 65. #1 Current job with pension (7 years into) Base salary $133,120 Pension benefit $78.50/mo each year worked for the first 10 years, $104.60/mo each year there after. So, 78.5 X 7 years = 549.5/month 401k up to $1000 matching - always contribute 18k a year No bonus...
by Momus
Sat Apr 25, 2015 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pharmacy School Loan Advice
Replies: 17
Views: 2648

Re: Pharmacy School Loan Advice

I'm also a pharmacist 30 yo. Don't go to pharmacy school. Your daughther is going to regret it. Job market is getting worse each year. There are more better career options out there with better outlook and still pulls in 120k/yr just like pharmacy. Avoid this profession like a plague.
by Momus
Sat Dec 27, 2014 10:03 pm
Forum: Investing - Theory, News & General
Topic: Equal Weighted Funds - Better?
Replies: 31
Views: 3474

Equal Weighted Funds - Better?

Is this really better than a regular cap weighted index fund? Should I switch over and dump my Vanguards?

http://www.marketwatch.com/story/ignore-john-bogle-and-dump-your-sp-500-index-fund-2014-12-10?page=2
by Momus
Sat Dec 27, 2014 1:57 am
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 52
Views: 11792

Re: Best Online Savings bank

Ally Bank.
by Momus
Sat Nov 22, 2014 5:20 pm
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 22086

Re: Side jobs or hobbies that make you money

Momus wrote:
imgritz wrote:
Momus wrote:Become an Uber driver ~$20k/year part time.

Interesting. Does Uber supply the car and insurance?


Nope


More info... http://www.quora.com/How-much-money-doe ... e-for-Uber
by Momus
Fri Nov 21, 2014 7:56 pm
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 22086

Re: Side jobs or hobbies that make you money

imgritz wrote:
Momus wrote:Become an Uber driver ~$20k/year part time.

Interesting. Does Uber supply the car and insurance?


Nope
by Momus
Fri Nov 21, 2014 3:09 pm
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 22086

Re: Side jobs or hobbies that make you money

Become an Uber driver ~$20k/year part time.
by Momus
Fri Nov 21, 2014 2:56 am
Forum: Personal Consumer Issues
Topic: smartphone over wifi - still possible?
Replies: 31
Views: 3869

Re: smartphone over wifi - still possible?

Switch to Cricket (AT&T TOWERS). Cricket will be the best bang for the buck, great coverage (AT&T towers), $200 free money if you switch now ($25 referral credit, $100 switcher credit, $75 free smartphone phone - 4.7 inch, 1.2 Ghz Quad Core HTC Desire 510 4G LTE - this is a decent phone simi...
by Momus
Fri Nov 07, 2014 3:40 pm
Forum: Personal Consumer Issues
Topic: Great camera to take pics?
Replies: 51
Views: 9075

Great camera to take pics?

I hate how smartphone does not take great pics in low light. I am thinking of getting a Sony DSC-RX100M III. $800. It's too darn expensive for a point and shoot camera. Any alternative? I am looking at all around great camera but it looks like it's going to be a bulky camera, and like they said you ...
by Momus
Fri Nov 07, 2014 3:18 pm
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 12843

Re: Smartphone questions

I preordered Oneplus one. It's one of the best phone made in 2014 for off contract phone cheap $350, cost 1/2 the price of other flagship phones but the same specs as Galaxy S5, LG G3, HTC one M8. There are newer phones with a little better specs but it costs double than Oneplus one (not worth the u...
by Momus
Sat Sep 06, 2014 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended Mortgage Lenders
Replies: 11
Views: 1814

Re: Recommended Mortgage Lenders

http://www.zillow.com/mortgage-rates/ I used this, and picked the lowest rate with the lowest fee I see on the website a year ago January 2013. I got 3.125% 30 years fixed with $1000 credit at closing out of state bank, I couldn't be happier. There are plenty of reviews so you know it's legit. I thi...
by Momus
Thu May 29, 2014 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-nup at only $1M networth, do I need it?
Replies: 199
Views: 15335

Re: Pre-nup at only $1M networth, do I need it?

To the OP: [who lives in California - added by respondent] The laws are not made in your favor, and the family court system is the last place you want to be deciding who gets what. I don't know what you know about the laws of California. Now perhaps you think your responsibility to your children en...
by Momus
Mon May 26, 2014 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-nup at only $1M networth, do I need it?
Replies: 199
Views: 15335

Re: Pre-nup at only $1M networth, do I need it?

Mazel tov on your good fortune and great planning/saving! I say yes to the pre-nup even though I am still married for 26+ years to the same wonderful woman and we did not have a pre-nup. Of course we didn't have any money either so.... Here is another scenario you might consider. I am not sure if t...
by Momus
Sun May 25, 2014 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-nup at only $1M networth, do I need it?
Replies: 199
Views: 15335

Pre-nup at only $1M networth, do I need it?

I am going to be 30 years old this year. I have a net worth around $1M (real estate equity, stocks, bonds, ROTH IRA, 401k). I am thinking of marrying a girl who has an income around $60-120k/year, depending if she works fulltime/partime. She has 0 assets and around 250k student loan debt. Do you thi...
by Momus
Thu May 15, 2014 1:06 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey recommends index fund
Replies: 26
Views: 4532

Re: Dave Ramsey recommends index fund

I like Dave too but on his podcast yesterday he did the 12% thing again over 40 yrs maxing a roth vs traditional to illustrate the benefits of the roth but referred to accumulating $9.6 million over the 40 yrs. Where does he get this stuff? It's much easier to entice someone and let them hear what ...
by Momus
Thu May 15, 2014 12:58 am
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Value
Replies: 16
Views: 2359

Re: International Small Cap Value

I use VSS since I don't have access to DFA... better than nothing even though it's not pure value fund.
by Momus
Sat May 10, 2014 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on a credit card
Replies: 21
Views: 1892

Re: Cash Advance on a credit card

I guess there is a reason why I never use it in the first place. I thought there were fees doing it so I never do it. All the posts above confirmed it.

I'd go to the bank and just withdraw the money then. Thanks for the input!
by Momus
Sat May 10, 2014 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on a credit card
Replies: 21
Views: 1892

Cash Advance on a credit card

I need to get around $2500 in cash. If I use the cash advance feature on my credit card, which I never have done before... Is this a good idea? any pros and cons? I do have money in the bank I could just withdraw at ATM in increments of $500X5 but I want the cash back rewards. The card is Barclays A...
by Momus
Fri Apr 18, 2014 2:33 am
Forum: Investing - Help with Personal Investments
Topic: why would i keep $3,000 in a vanguard roth brokerage mma
Replies: 13
Views: 2231

Re: why would i keep $3,000 in a vanguard roth brokerage mma

You don't need to keep 3000 in MMA. It's only required to open the account. After I get a direct deposit from my employer and dividend, I buy other funds to rebalance my asset allocation every 2 weeks and I always leave it at $0. They don't have a problem with that.
by Momus
Fri Dec 27, 2013 2:48 am
Forum: Investing - Help with Personal Investments
Topic: VSS equivalent mutual fund in Vanguard?
Replies: 3
Views: 585

Re: VSS equivalent mutual fund in Vanguard?

It has 0.25% purchase fee and higher expense ratio -_-;

Just buy the ETF version?
by Momus
Wed Dec 25, 2013 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: VSS equivalent mutual fund in Vanguard?
Replies: 3
Views: 585

VSS equivalent mutual fund in Vanguard?

I want to add exposure to Small Cap Develop and Emerging markets.

Is there a VSS (ETF) equivalent mutual fund? All my money is in Mutual Funds version, not ETF.

Thank you.
by Momus
Mon Nov 25, 2013 3:06 am
Forum: Investing - Help with Personal Investments
Topic: Capital gains distribution quesiton
Replies: 2
Views: 448

Capital gains distribution quesiton

Should I treat my capital gain distribution like my dividend? I redirect my dividend to buy money market fund and then quarterly invest those proceed to my portfolio to make tracking of many tax lots easier.

Is this a common practice? or, should I let my capital gain distribution reinvest?
by Momus
Mon Nov 18, 2013 11:34 pm
Forum: Investing - Theory, News & General
Topic: Bubble bitcoins... $300 -> $800 in 10 days
Replies: 27
Views: 2579

Re: Bubble bitcoins... $300 -> $800 in 10 days

http://bitcoinity.org/markets
I know right... But, the chart looks ridiculous, exactly look like a bubble about to burst.
by Momus
Mon Nov 18, 2013 11:24 pm
Forum: Investing - Theory, News & General
Topic: Bubble bitcoins... $300 -> $800 in 10 days
Replies: 27
Views: 2579

Bubble bitcoins... $300 -> $800 in 10 days

Will this be a viable currency? The price will stabilize and go up steadily?

Maybe, I should buy 1 btc just in case...
by Momus
Wed Sep 18, 2013 12:25 am
Forum: Investing - Help with Personal Investments
Topic: New medical resident, need help with investing versus loans
Replies: 22
Views: 3338

Re: New medical resident, need help with investing versus lo

I'd not worry about it too much if u are a rad doctor... after finishing residency, you should be able to pay all the loan within 3-4 years max pulling in attending salary...
by Momus
Tue May 14, 2013 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: How do you keep all your important documents?
Replies: 43
Views: 4455

How do you keep all your important documents?

Now, that I got a house. I have stacks of papers escrow, HUD-1, bla bla bla over 100+++ pages, multiple years of tax return, and birth certificate, receipts, etc... Do I need to keep all of them in hard copies or could I turn them into soft copies (scanned) and trash everything? Please advice. Thank...
by Momus
Thu Jan 24, 2013 10:20 am
Forum: Investing - Theory, News & General
Topic: Apple @ $2000
Replies: 60
Views: 5750

Re: Apple @ $2000

Rick Ferri wrote:NEW HEADLINE!

Applie is going to $0!

Put me on TV!
:D

Rick Ferri


Rick wants marketing Air time >_>;
by Momus
Tue Jan 08, 2013 5:28 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance
Replies: 5
Views: 1012

Re: Homeowner's insurance

I don't have consumer report subscription -.-;
No USAA either not a military member.

Do you guys install smoke detector, security alarm, fire extinguisher, and deadbolts just to get discount?
by Momus
Mon Jan 07, 2013 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance
Replies: 5
Views: 1012

Homeowner's insurance

First time home buyer = noob...

How do I find a good homeowner's insurance company/cost?

The house I am buying is in San Diego, CA @565k.

Thanks for all the responses!
by Momus
Thu Jan 03, 2013 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Law Changes: Roth
Replies: 3
Views: 516

Re: Tax Law Changes: Roth

Can we still do back door roth-ira if you have income over $120k as a single (not exact) after fiscal deal? I am planning to do fund IRA and convert to ROTH this month but I am not sure i.e I am lazy to look it up -.-;
by Momus
Mon Dec 31, 2012 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house (estate) - when to use RE agent
Replies: 24
Views: 2058

Re: Selling house (estate) - when to use RE agent

Use redfin agent if you can to get more refund money. Redfin agent tends to be able to sell for more and quicker.
by Momus
Thu Dec 27, 2012 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant screening service
Replies: 1
Views: 453

Tenant screening service

Do you know good tenant screening service website that does not charge on going fees, one stop website & cheap to use?

Thanks!
by Momus
Wed Dec 26, 2012 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Extra Mortgage Payment
Replies: 17
Views: 2142

Re: Extra Mortgage Payment

I recently just rate locked 30 year fixed 3.125% no points. 5% is way too high nowadays! Where did you get that rate? http://www.zillow.com/mortgage-rates/ The company I found had 300+ reviews, and A+ on BBB, http://www.myersparkmortgage.com/ 1st home purchase. Emailed back and forth providing docu...

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