Search found 1071 matches

by William4u
Sun Sep 18, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: Never invest in ....... ?
Replies: 53
Views: 5093

Re: Never invest in ....... ?

...the hot new stock sector that all your friends are now recommending (despite their hot stock tips being unreliable in the past).
by William4u
Sun Sep 11, 2016 11:56 am
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 7906

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

Apparently, for Wells Fargo this is only the tip of the iceberg... http://www.usatoday.com/story/money/markets/2016/09/11/wells-fargo-scam-latest-string-infractions/90139724/ So, to make this actionable, if you think solving this one problem might make you stay with Wells Fargo, you might consider t...
by William4u
Sun Sep 11, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Slicer for Sweet Potato Fries
Replies: 12
Views: 1096

Re: Sweet Potato Fries - Yum

Buy something similar to https://www.amazon.com/dp/B002L7V1B2/ From the Q&A... "This French Fry cuter will cut sweet potatoes, but to do it smoothly, the sweet potatoes should be cut in half lengthwise before running it through the cutter because sweet potatoes are tougher than white potat...
by William4u
Sat Sep 10, 2016 9:59 am
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 7906

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

+1 to well-run credit unions and local banks. Yep. The banks aren't like this anymore. :( https://s11.postimg.org/kn7g0rgwj/121226_wonderful_life1.jpg 20 years ago I belonged to a credit union that was like this. Maybe there are still some of those left. Credit unions are great. Some credit unions ...
by William4u
Wed Sep 07, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 164
Views: 10544

Re: How much is your cell phone bill?

$80/year for 5000 minutes ($6.66/month) Pageplus It is 4 cents a minute, 5 cents a text, and 10 cents per megabyte. I usually do not use it all, so the money rolls over at the end of the year (if you use $40/year, then $40 rolls over the next year when you add another $80 to keep it going another ye...
by William4u
Tue Aug 30, 2016 11:02 am
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 8859

Re: Fidelity competing harder w/Vanguard

Good for Fidelity, and good for the industry. But as far as my Vanguard VTI holdings go... this new ER is pretty much a yawn. I suggest one forget the minuscule difference in ER's and consider the bottom line, i.e. the funds' performance: http://i63.tinypic.com/250ufx3.png Fidelity's ER could be 0....
by William4u
Mon Aug 29, 2016 4:40 am
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 8859

Re: Fidelity competing harder w/Vanguard

I've noticed that the Fidelity funds underperform the Vanguard ones by around 2 basis points a year. I wonder if this is (in part) because Vanguard reinvests 100% of the net securities lending income into the fund and Fidelity does not. I do not think there is much transparency on the Fidelity side...
by William4u
Sun Aug 28, 2016 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with $50k?
Replies: 19
Views: 1510

Re: What to do with $50k?

j0nnyg1984 wrote:
William4u wrote:After you pay it off, I'd do a Roth IRA. At your income you do not even need to do a Backdoor Roth.


I guess you missed the third line in my original post?


Yup. I swear that wasn't there when I read it. :D
by William4u
Sun Aug 28, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 8859

Re: Fidelity competing harder w/Vanguard

Will Fidelity always offer these funds at rock bottom expense ratios? What if they shift strategies and you hold it in a taxable account? There is nothing to see here. Fidelity's index fund expense ratios have been competitive and often lower than Vanguard's for more than fifteen years. Your statem...
by William4u
Sun Aug 28, 2016 10:48 am
Forum: Personal Finance (Not Investing)
Topic: What to do with $50k?
Replies: 19
Views: 1510

Re: What to do with $50k?

After you pay it off, I'd do a Roth IRA. At your income you do not even need to do a Backdoor Roth.
by William4u
Sat Aug 27, 2016 1:16 pm
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 8859

Re: Fidelity competing harder w/Vanguard

Competition is good. One more reason for me to be happy with having accounts at Fidelity. New money is going into some of these Fidelity (ex Spartan) index funds. I am not worried that Fidelity will raise its expenses - competition should keep the expenses low for some time. Securities lending bene...
by William4u
Thu Aug 25, 2016 7:28 am
Forum: Personal Consumer Issues
Topic: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base
Replies: 21
Views: 1805

Re: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base

The Pilot is most like the Toyota Highlander, which are both the same sized large SUVs based on car platforms. The 4runner is based on a truck platform and rides differently. The much smaller RAV4 is the toyota version of a Honda CRV. They are all good cars. All my friends with children regret gett...
by William4u
Wed Aug 24, 2016 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 93
Views: 13832

Re: Retirement: Where $200K Will Last 30 Years

Belize is an English speaking country, on the Caribbean, not too much to dislike other than lack of US level healthcare facilities. I would not live in Belize, which is one of the most violent countries in the world according to a number of measures... https://www.google.com/search?q=Beliza&oq=...
by William4u
Tue Aug 23, 2016 1:07 pm
Forum: Investing - Theory, News & General
Topic: 401K Fees [401(k) Lawsuits increasing due to fiduciary standard]
Replies: 27
Views: 1667

Re: Edward Jones Sued Over Its Own Employee 401k Plan

I feel bad for their employees. I've met a couple EJ "financial advisors" who were very young, attractive types who did not seem to have an education in finance. They just took the EJ training for all their financial education. They probably did not know what many here know about EJ. I hav...
by William4u
Tue Aug 23, 2016 12:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Select?
Replies: 14
Views: 1475

Re: Vanguard Flagship Select?

It looks like you'll get 2-3 basis points lower by getting access to institutional (and possibly institutional plus) shares depending on the amount and fund. For the standard S&P 500 Index Fund at Vanguard... Options.....Expense ratio.....Minimum Admiral........0.05%...........$10,000 Instituti...
by William4u
Tue Aug 23, 2016 12:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Select?
Replies: 14
Views: 1475

Re: Vanguard Flagship Select?

I do not have flagship select, but the benefit I imagine would be a little more service and you can get a few more funds. But IMHO the main benefit of Vanguard is being eligible to buy Admiral Total Index Funds, and that starts at $10,000. :D
by William4u
Mon Aug 22, 2016 11:05 pm
Forum: Personal Consumer Issues
Topic: Sienna van keys
Replies: 6
Views: 1031

Re: Sienna van keys

mogg and terctun's method have worked for many, and is not too expensive.
by William4u
Mon Aug 22, 2016 7:55 pm
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 54
Views: 5684

Re: Long wait on Vanguard Phone Lines-What's going on?

I don't need to call for myself, but I called with some elderly family members to help out. I was on hold for about 30 minutes, and then about 3 minuted into the conversation they seemed to hang up on me. Not cool. Called back the next day, same long wait, but helpful representative eventually.
by William4u
Tue Aug 16, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 78
Views: 8646

Re: Ally Bank - New $10 ATM Fee Reimbursement Limit

Alliant Credit Union has a $20/month ATM reimbursement. Plus, they have more free ATMs than Wells Fargo. http://www.alliantcreditunion.org/depositsinvestments/checking/atm-rebates I have also heard good things about Alliant Credit Union too especially if you want one spot for Checking + Savings. Sa...
by William4u
Mon Aug 15, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base
Replies: 21
Views: 1805

Re: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base

The Pilot is most like the Toyota Highlander, which are both the same sized large SUVs based on car platforms. The 4runner is based on a truck platform and rides differently. The much smaller RAV4 is the toyota version of a Honda CRV. They are all good cars. All my friends with children regret getti...
by William4u
Sun Aug 14, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Any lawyers out there. Bike hits car, minor and parents have no insurance
Replies: 91
Views: 6702

Re: Any lawyers out there. Bike hits car, minor and parents have no insurance

Suing a minor for low dollar purely accidental damage is a bad plan. Let it go. Even if you win you will likely collect nothing and your karma will very likely take a hit. +1 Nothing you can do that would not be more trouble than it is worth. Sorry, but sometimes you have to eat an unexpected expen...
by William4u
Sun Aug 14, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Sealing Asphalt Driveway
Replies: 30
Views: 1738

Re: Sealing Asphalt Driveway

In the south it might not make a big difference, but in the north an un-sealed asphalt driveway wears out fast due to the ice and cold. How does ice and cold wear out a driveway? Water or moisture seeps into the seams of the driveway, then frost freezes it, thereby expanding the surface of the seam...
by William4u
Sun Aug 14, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Sealing Asphalt Driveway
Replies: 30
Views: 1738

Re: Sealing Asphalt Driveway

In the south it might not make a big difference, but in the north an un-sealed asphalt driveway wears out fast due to the ice and cold.
by William4u
Sat Aug 13, 2016 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Move account from Morgan Stanley?
Replies: 16
Views: 884

Re: Move account from Morgan Stanley?

You really need to understand how much Morgan Stanley is costing you. I left our 401k advisor with UBS after learning my employer had modified the plan to permit self directed investments at Charles Schwab and fully 1/2 of my annual 401K contributions were paying the AUM fee. And while the advisor ...
by William4u
Mon Aug 08, 2016 7:40 pm
Forum: Personal Consumer Issues
Topic: How dangerous is Kids Gymnastics?
Replies: 38
Views: 2835

Re: How dangerous is Kids Gymnastics?

All kids sports have risks of injury. I still have football injuries from when I was young. But the benefits outweigh the risks. So many benefits. It is worth it IMHO. I'd encourage his passion for any sport (among those that you listed).
by William4u
Mon Aug 01, 2016 5:01 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 5847

Re: Winter Tires: Yay or Nay

Here's a somewhat related question: what's the difference between winter tires and snow tires. In NJ, the snow is cleared from the roads pretty quickly, and I find sufficient "traction" with my AWD, but the best plowing in the world (which NJ doesn't have) won't make the temperature any h...
by William4u
Mon Aug 01, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 6855

Re: Should I flip my neighbor's house to save the neighborhood?

I'd probably do it, but it is going to be a lot of work and might cost you a few thousand. I wouldn't want to live next to a house that is falling apart. But it is a matter of how strong your preference is and how much work and money you are willing to put into the project. You might fix it up so ni...
by William4u
Mon Aug 01, 2016 12:38 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 5847

Re: Winter Tires: Yay or Nay

Much ado over nothing. I grew up in lake effect snow heavy parts of Michigan and never once owned snow tires or a fwd car. My advice for any location south of Alaska, based on personal experience: 1) own a fwd car - no need for winter tires 2) own an awd car - no need for winter tires 3) own a rwd ...
by William4u
Mon Aug 01, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: What is a modest retirement (definition)?
Replies: 66
Views: 6430

Re: What is a modest retirement (definition)?

Only on Bogleheads would you see a $5M portfolio described as modest. On the Internet no one can see someone else's tongue in their cheek. At some point in the future, inflation will make $5M a modest portfolio. $10,000 in 1950 is worth $100,000 today inflation-adjusted. At the same rate in 65 year...
by William4u
Sun Jul 31, 2016 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: What is a modest retirement (definition)?
Replies: 66
Views: 6430

Re: What is a modest retirement (definition)?

Only on Bogleheads would you see a $5M portfolio described as modest. On the Internet no one can see someone else's tongue in their cheek. At some point in the future, inflation will make $5M a modest portfolio. $10,000 in 1950 is worth $100,000 today inflation-adjusted. At the same rate in 65 year...
by William4u
Sun Jul 31, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: Fiat 124 - good/bad/indifferent ??
Replies: 12
Views: 1007

Re: Fiat 124 - good/bad/indifferent ??

According to Consumer Reports' latest reliability ratings, Fiat is the worst of all car makes.

Look at the very bottom to find Fiat's reliability...

Image
by William4u
Thu Jul 28, 2016 11:48 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 5847

Re: Winter Tires: Yay or Nay

I am thinking to get a separate set of winter tires with rims. What's a good place to buy rims and/or repair rims? Edit: they salt and plow pretty well in NJ but I had some pretty scary experiences (winter 2013) on new all season fires, which turned out to be horrible for snow on my FWD Toyota Camr...
by William4u
Thu Jul 28, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 5847

Re: Winter Tires: Yay or Nay

I am thinking to get a separate set of winter tires with rims. What's a good place to buy rims and/or repair rims? Edit: they salt and plow pretty well in NJ but I had some pretty scary experiences (winter 2013) on new all season fires, which turned out to be horrible for snow on my FWD Toyota Camr...
by William4u
Thu Jul 28, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 5847

Re: Winter Tires: Yay or Nay

A few years ago we moved to a house with a steep incline on the driveway leading up to the house. That first winter our cars spent several nights parked at the bottom of the hill because we couldn't make it up with all-season tires if the driveway had any ice. The next year I put winters on my wife...
by William4u
Thu Jul 28, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 5847

Re: Winter Tires: Yay or Nay

smackboy1 wrote:Most importantly, all that mounting and dismounting could damage the tire bead and TPMS.


yup +1 on that
by William4u
Thu Jul 28, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 5847

Re: Winter Tires: Yay or Nay

just frank wrote:Separate rims....no TPMS.


Me too... I cover the tpms light on the dash with black electrical tape.
by William4u
Thu Jul 28, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 5847

Re: Winter Tires: Yay or Nay

Separate rims. Makes is much easier and cheaper in the long run. Used steel rims can be cheap. Got cheap rims for one car from tire rack, and the others from craigslist. Many places will change them out for nothing if they are on rims (Cosco, for example). I change them myself with a jack in my own ...
by William4u
Thu Jul 28, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 5847

Re: Winter Tires: Yay or Nay

While the facts are clear, this survey says only about 20% of drivers living in snowbelt states actually use winter tires: http://www.tirebusiness.com/article/20141126/NEWS/141129902/u-s-drivers-eschew-winter-tires The average investor earns 2% or less in their investment portfolio. The average car...
by William4u
Thu Jul 28, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 5847

Re: Winter Tires: Yay or Nay

First off... The reason to buy winter tires is NOT because you "dont have 4WD/AWD". :oops: The reason to buy winter tires is you want increased all around traction in accelerating, cornering and braking that will make the drive easier and may save your life in an emergency. 4WD will NOT s...
by William4u
Wed Jul 27, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: Gas grill recommendations please
Replies: 52
Views: 2367

Re: Gas grill recommendations please

Get a Weber Spirit or Genesis (the latter are bigger). Most everything else is junk.
by William4u
Wed Jul 27, 2016 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Think larva stage when I say "newbie" [buy an annuity?]
Replies: 25
Views: 1401

Re: Think larva stage when I say "newbie" [buy an annuity?]

If a "financial advisor" tries to sell you an annuity, run away and never talk to that person again. They are usually rip-offs. And it is not an appropriate savings vehicle for someone so young, even if it was a good annuity (and it is surely a bad one). The advisor probably gets a huge co...
by William4u
Wed Jul 27, 2016 6:10 pm
Forum: Personal Consumer Issues
Topic: Toyota Venza info wanted for 2011 and 2012
Replies: 9
Views: 740

Re: Toyota Venza info wanted for 2011 and 2012

The Venza is just a hatchback Camry (much as the Outback is just a hatchback Legacy). You can look at the Camry to get even more info about it, since the subframe, engine, brakes, electronics, transmission, etc., are the same. Reliability should be the same too. It is amazing how they can make two c...
by William4u
Sun Jul 24, 2016 6:36 pm
Forum: Personal Consumer Issues
Topic: Yet another new/used car post. Help me replace a car
Replies: 39
Views: 3229

Re: Yet another new/used car post. Help me replace a car

I like the Toyota Avalon too (I have one). Comfy and reliable. I love mine--I have the XLE. Perfect for a long commute--silent and comfortable. I spend up to half an hour each day just waiting on the Mass Ave bridge from Cambridge to Boston. I just sink into my black leather seat in my silent cockp...
by William4u
Sun Jul 24, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 2532

Re: Tires for Honda Civic

The #1 all season tire from Consumer Reports for your car is the Michelin Defender. We use these on our cars and they are a great all around tire. They are estimated to last 90,000 miles by Consumer Reports. They are a little more up front by are cheaper in the long run. We ran continentals before ...
by William4u
Sun Jul 24, 2016 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement, House, Kids - How to afford all three?
Replies: 61
Views: 5096

Re: Retirement, House, Kids - How to afford all three?

^College kids don't have cars, so they don't need gas money. They get around busses and an old used bicycle. Tell that to the majority of college kids in my state. They consider a car a "must have." Either their parents pay for it or they get a job just to pay for their own car (even thou...
by William4u
Sat Jul 23, 2016 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement, House, Kids - How to afford all three?
Replies: 61
Views: 5096

Re: Retirement, House, Kids - How to afford all three?

Third time today mentioning it but go read Mr. Money Mustache. Seriously. Helped me cut my spending. Also we have a kid under 1 and so far we are spending much less than before having him. Daycare at a small family owned local place is $250/week. Yes. he could trim that budget quite a bit. LBYM is ...
by William4u
Sat Jul 23, 2016 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is This a Good Investing Plan?
Replies: 22
Views: 1823

Re: Is This a Good Investing Plan?

Another smart Minnesotan! Most of the "battle" is to use low-cost index funds, and you've done that. You seem to have a decent international/domestic ratio, and a decent stock/bond allocation. It looks great to me. If you live in the Twin Cities area, there are some regular (and free) bogl...
by William4u
Sat Jul 23, 2016 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 16857

Re: How many folks choose to give inheritance to their children in unequal portions

We are middle children ,both of us. Since we are overseas our parents did not give us equal amount of money. My sister and brother inherited more because they were caregivers for our parents at different times so I did not resent it. My Father-in-law wanted to give his 3 sons equal amount of money ...
by William4u
Thu Jul 21, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 2532

Re: Tires for Honda Civic

The #1 all season tire from Consumer Reports for your car is the Michelin Defender. We use these on our cars and they are a great all around tire. They are estimated to last 90,000 miles by Consumer Reports. They are a little more up front by are cheaper in the long run. We ran continentals before a...

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