Search found 55 matches

by advice789
Fri Apr 06, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Any advice for 1st time landlord
Replies: 42
Views: 3235

Re: Any advice for 1st time landlord

Agree on value of property mgr for first time rental property. Interview a few, look for houses for rent, call and talk to the prop mgr as part of the interview. In addition to avoiding late night or calls while you are on vacation, the prop mgr has a list of vendors, such as plumbers, yard maintena...
by advice789
Fri Mar 30, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: What Are Your Thoughts On The Recent Bitcoin Bust? Is It Apart of the Boom/Bust Cycle or Is The CryptoCurrency Finished?
Replies: 129
Views: 9682

Re: What Are Your Thoughts On The Recent Bitcoin Bust? Is It Apart of the Boom/Bust Cycle or Is The CryptoCurrency Finis

This chat feels like two questions are asked. First, is there demand for cryptocurrencies? There is demand for an asset class/ payment process that is anonymous. My sense is the demand will continue as privacy continues to be valued. The second question is valuation? Agree with the other posts. Cryp...
by advice789
Fri Mar 30, 2018 9:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Virtual Bogleheads- Manny Thanks
Replies: 1
Views: 352

Virtual Bogleheads- Manny Thanks

A BIG “Shout Out” of appreciation to Manny for hosting the virtual sessions. Presenters are very committed with material and demo on the Video Conference tool. For example, the backtesting tool by Simba and Diamond allows for testing various portfolio allocation and withdrawal alternatives. In anoth...
by advice789
Fri Mar 30, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Download Security- Adobe PDF reader
Replies: 6
Views: 674

Re: Download Security- Adobe PDF reader

Much appreciation for the Most Recent pointer issue and the cache files. Need to start to routinely clear the caches

thanks
by advice789
Thu Mar 29, 2018 3:49 am
Forum: Personal Finance (Not Investing)
Topic: Download Security- Adobe PDF reader
Replies: 6
Views: 674

Re: Download Security- Adobe PDF reader

Good questions to clarify- Say you download your bank statement via Abode Acrobat. Many PDF files use Adobe to download and read the PDF file on the computer. You save the document in a secure location on your computer or off your computer such as an external hard drive. A copy of the bank statement...
by advice789
Wed Mar 28, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being stubborn about housing purchase
Replies: 27
Views: 3695

Re: Am I being stubborn about housing purchase

Many points of the risks to buy a house with 3 months of EF. Would hold off as well. The downside is you may miss the uptick if house prices continue to go increase. Perhaps you can gain some of that upside by another investment. In your portfolio, buy a Real Estate Investment Trust (REIT) with resi...
by advice789
Wed Mar 28, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Download Security- Adobe PDF reader
Replies: 6
Views: 674

Download Security- Adobe PDF reader

If you use Adobe Acrobat Reader to download confidential documents, an FYI. Likely you keep such documents in a secure location on your Computer. Another copy of downloaded documents is also stored in the Adobe Reader Apps. This is the version that also resides on the computer Click on “Most Recent”...
by advice789
Wed Mar 28, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Another newbie with portfolio questions...
Replies: 12
Views: 943

Re: Another newbie with portfolio questions...

To provide another view of your portfolio allocation, suggest you leverage a couple of Finance Planning tools. Firecalc is one example. You can model your thoughts of the portfolio/ asset allocation, future retirement contributions and various levels of retirement income. You will then see the confi...
by advice789
Mon Mar 26, 2018 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Anything else we should be doing to be ready for retirement or increase wealth?
Replies: 33
Views: 3762

Re: Anything else we should be doing to be ready for retirement or increase wealth?

Congrats to pay off the student debt. That is a big move to set up for financial well-being. A few thoughts. You will receive more feedback after you post in the recommended format 1) Scenario’s- Fireclay is a useful financial planning tool... Try it out, do a few options of different savings and po...
by advice789
Sun Mar 25, 2018 5:00 am
Forum: Personal Consumer Issues
Topic: How to Learn to Build a Web App
Replies: 19
Views: 1616

Re: How to Learn to Build a Web App

For a very basic class, go to You Tube and search for Python or a Web coding tutorial. You will see many options. Once you completed a few tutorials with real life exercises, you can asses your next steps for a more formal learning approach. For example, coding classes, an online class with certific...
by advice789
Sun Mar 25, 2018 4:31 am
Forum: Personal Finance (Not Investing)
Topic: Two Factor Authentication - Only 1 or Multiple cells?
Replies: 13
Views: 1046

Re: Two Factor Authentication - Only 1 or Multiple cells?

Granted somewhat unlikely but for 5%-10% chance of happening, back up plan is better. Good point on login info and phone password. Will also follow-up on one phone for 2 FA.
by advice789
Sat Mar 24, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Recently Engaged, Considering Joint Account(s)
Replies: 26
Views: 1482

Re: Recently Engaged, Considering Joint Account(s)

Conngrats on the engagement Personally, many benefits to set up a joint account as you indicated. Would maintain separate accounts as well. You both can decide contributions to the joint account. Also, by establishing a joint account, you both gain more experience of the spending and savings pattern...
by advice789
Sat Mar 24, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Two Factor Authentication - Only 1 or Multiple cells?
Replies: 13
Views: 1046

Two Factor Authentication - Only 1 or Multiple cells?

To improve security, started to set 2 FA on my accounts for finance, email etc. Most sites require a cell phone; hence I, add my cell information. But just realized, am becoming more dependent on the one cell phone. Seems from a risk mitigation view, should add another phone number and not rely only...
by advice789
Sat Mar 24, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: "I won the Lottery" update -
Replies: 33
Views: 8123

Re: "I won the Lottery" update -

A big Congrats that you acted. Like your approach of shifting a lot but not all investment as the two companies are much better than other choices. The bias to Vanguard and a type of back up in Fidelity also offers another form of diversification. Look forward to your continued posts and progress. T...
by advice789
Thu Mar 22, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to overseas and state taxes
Replies: 12
Views: 1030

Re: Moving to overseas and state taxes

As noted above, State Income tax depends on your state. Some states tax worldwide income for individuals. Others do not. Also, say you friend is working overseas and returns to his home state for a vacation but works remotely for a few days. Some state will say, the days you worked remotely maybe ta...
by advice789
Wed Mar 21, 2018 9:19 pm
Forum: Investing - Theory, News & General
Topic: [Federal Reserve hikes interest rate]
Replies: 34
Views: 4056

Re: Fed raises the fed rate, markets do not look efficient

My sense is that the market yield of bonds reflects actual rates and expectation of future rates. The expectation of the future causes swings in market bond yield rates and bond prices. There is a discussion of whether the Fed will increase rates 3 or 4 times in 2018. With this uncertainty, there ar...
by advice789
Wed Mar 21, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Hawaii accomodations [Honolulu in Jan/Feb]
Replies: 4
Views: 472

Re: Hawaii accomodations [Honolulu in Jan/Feb]

You can do a hotel but likely expensive. As an alternative, look for properties on Airbnb. Rates are better after about Jan 5, as many visits for Xmas and New Year Holidays. For Airbnb, you can see the guest reviews of properties. Do look for parking on premise. Street parking maybe difficult to fin...
by advice789
Tue Mar 20, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Help with Retirement Investment for Teacher
Replies: 24
Views: 1713

Re: Help with Retirement Investment for Teacher

Positive to hear your pension has a purchasing power protection feature. Given feedback above from others, your pension and paid house allows you to take more risk.. A higher stock allocation offers upside with the downsides hedged by your pension and debt free home.
by advice789
Tue Mar 20, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: What Other Finance Planning Sites do you recommend?
Replies: 5
Views: 844

Re: What Other Finance Planning Sites do you recommend?

Appreciate the feedback. Any other suggestions? Has anyone used Finance Samurai?
by advice789
Tue Mar 20, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: What Other Finance Planning Sites do you recommend?
Replies: 5
Views: 844

Re: What Other Finance Planning Sites do you recommend?

Appreciate the feedback. Any others suggestions? Has anyone used Finance Samurai?
by advice789
Mon Mar 19, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Retirement Investment for Teacher
Replies: 24
Views: 1713

Re: Help with Retirement Investment for Teacher

APB has provided you solid advice to your questions 1 and 2. A couple of other thoughts A) Your mention a pension. As this is government funded, you may want to diversify your investments away from the related Govt. This implies lower or no government bonds from the state or insurance company that w...
by advice789
Mon Mar 19, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: What Other Finance Planning Sites do you recommend?
Replies: 5
Views: 844

What Other Finance Planning Sites do you recommend?

Like this site for the great tips and sharing. Am interested in other sites you view for finance and related personal advice? For example, I started viewing Money Mustache after seeing references here for practical tips to living below your income. From this site, the data of managed vs passive perf...
by advice789
Thu Nov 16, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Health Plan Comparison- What to Do?
Replies: 2
Views: 444

Health Plan Comparison- What to Do?

Am seeking advice for comparison of health plans. Given all the plans offer the same coverage under ACA, what do I need to consider to compare plans? Let me add context of my situation. Am relocating to city with a few options including Kaiser. In comparing health plans, what type of issues or quest...
by advice789
Fri Sep 29, 2017 4:14 am
Forum: Personal Finance (Not Investing)
Topic: Schwab.com login trouble?
Replies: 18
Views: 2540

Re: Schwab.com login trouble?

When I use a VPN to login, there is an error message.
Turn off the VPN, am able to log in
by advice789
Wed Sep 20, 2017 3:40 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing. 450k cash
Replies: 33
Views: 3490

Re: New to Investing. 450k cash

Encourage you to explore other options to invest in your future financial independence . For example, should the family set up or add to a health savings account? Using pretax $ is better than after tax. Are there college investment funds, where you receive a tax break and the money grows tax free t...
by advice789
Wed Sep 20, 2017 3:19 am
Forum: Personal Finance (Not Investing)
Topic: online security questions and some comments
Replies: 16
Views: 1375

Re: online security questions and some comments

In terms of 2FA, cell phones may not be the best security, but one option. Another option, some banks will call a phone number with the code. You then input the code as part of the login. In this case, use a land line phone to receive the code via a voice system, Another option, some investment hous...
by advice789
Mon Sep 18, 2017 2:03 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Finance Protection Bureau- Effectiveness?
Replies: 6
Views: 751

Re: Consumer Finance Protection Bureau- Effectiveness?

Thanks for the info . Will follow up with the CFPB.
by advice789
Mon Sep 18, 2017 2:01 am
Forum: Personal Finance (Not Investing)
Topic: Credit freeze- small business question
Replies: 0
Views: 230

Credit freeze- small business question

After the Equifax hacking, placed credit freeze on our personal accounts. We also have a small business bank account with a separate fed tax ID. The fed tax id is different than or Soc sec#. In the past, have received credit card solicitation offers for the business account. Questions--Should we pla...
by advice789
Sat Sep 16, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Finance Protection Bureau- Effectiveness?
Replies: 6
Views: 751

Re: Consumer Finance Protection Bureau- Effectiveness?

Yes, I was surprised. Communicated with bank and initially, bank responded that no fees should be charged. As I was charged a fee, the banker opened an investigation and then I received the form letter. It was also odd that my banker was not copied on the investigation results. My banker said I coul...
by advice789
Fri Sep 15, 2017 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Finance Protection Bureau- Effectiveness?
Replies: 6
Views: 751

Consumer Finance Protection Bureau- Effectiveness?

Has anyone filed a complaint with the Consumer Finance Protection Bureau? Is the process easy to use and you were satisfied with follow-up? Have received inconsistent comments regarding wire transfer fees between two branches of Citibank.. Seeking help to recover the fees or an explanation that is c...
by advice789
Thu Sep 14, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Experian credit freeze by phone vs online
Replies: 9
Views: 1700

Re: Experian credit freeze by phone vs online

The Experian phone - 1-888-397-3742
by advice789
Thu Sep 14, 2017 3:09 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Checkup - Physician nearing end of Training
Replies: 27
Views: 2982

Re: Retirement Checkup - Physician nearing end of Training

Lots of solid feedback from the forum members. My sense is you are seeking investment advice to build wealth. Suggest you talk to a couple of CPAs who specialize in doctors. Ask your older colleagues for CPAs they use for tax advice- CPAs see the plus and minus of their clients investment and spendi...
by advice789
Wed Sep 13, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice for 58 year old.
Replies: 23
Views: 2310

Re: Investment advice for 58 year old.

First, congrats. You and your spouse have done well to build weath. In terms of next steps, can see value in a fee only fin planner. I used a Garrett planner many years ago. Recommend you interview him/ her and others and then make a choice. Most have an no fee intro session. Before you contact a fe...
by advice789
Wed Sep 13, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Experian credit freeze by phone vs online
Replies: 9
Views: 1700

Experian credit freeze by phone vs online

Has anyone submitted a credit freeze to Experian by phone? How much time for the company to mail you a Pin? Just completed the phone freeze and was confirmed. Used phone as online did not accept . Online was informed to mail a bunch of info to them as alternative. Was not comfortable to use mail and...
by advice789
Sun Sep 10, 2017 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 12976

Re: Anyone else freeze their credit score?

Regarding the process to unfreeze the account, understand this is done by a pin. Suppose, a hacker does not have my credit freeze pin-- will the credit bureau validate identity via other personal information and unfreeze credit? See value to freeze credit. Am wondering whether a hacker can unfreeze ...
by advice789
Fri Jun 23, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Is someone trying to steal my identity?
Replies: 32
Views: 4677

Re: Is someone trying to steal my identity?

Am far from an expert, but when someone has your phone#, they can receive the two factor authentication code. Also, I heard some credit card companies validate caller identity by the phone number. Hence someone may try to use your VoIP phone number and call your credit company . You mentioned you sc...
by advice789
Wed Jun 21, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Oregon personal Trip
Replies: 25
Views: 2645

Re: Oregon personal Trip

The wineries will be fun with Newnpberg as a base. As for the Columbia gorge, perhaps a day of salmon or sturgeon fishing. There are prime months in the summer and great views from the boat.
by advice789
Tue Jun 20, 2017 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Credit card for expat
Replies: 27
Views: 3116

Re: Credit card for expat

Another view. Can a credit card accelerate your bonuses from a frequent flyer plan? Seems you will do a lot of travel and can earn miles and premium awards by traveling for work. Say you sign up for an airline credit card. A number of such cards offer no intl fees, bonus miles for spending 3-4000 in...
by advice789
Thu Jun 15, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: trying to join MR. MONEYMUSTACHE forum
Replies: 7
Views: 2933

Re: trying to join MR. MONEYMUSTACHE forum

Valuable to know MMM makes it a bit difficult to join. One bus model for a blog involves the number of users, more users leads to more value and revenue to the forum owner. The motivation then is to make it easy to join a blog . MMM has a different motivation to join his blog. thanks for sharing the...
by advice789
Thu Jun 15, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 67
Views: 7568

Re: Favorite Feature of Vanguard Website?

Informative topic as learned of other features on the website that I have not used.
personally, I like the ease to add contributions to IRA accounts and the history to track past contributions for IRS requirements.
by advice789
Sat Jun 10, 2017 5:28 am
Forum: Personal Consumer Issues
Topic: VPN providers - how do they make money?
Replies: 2
Views: 991

VPN providers - how do they make money?

Have wondered how a free VPN or low cost VPN makes money to stay in business. For example, can a VPN capture and sell my data of which sites I visit? While the encryption protects the content of communication btw me and the bank, the VPN knows I am talking to the bank. Is such data , of web sites vi...
by advice789
Sat Jun 10, 2017 5:23 am
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 13704

Re: Jim Rogers predicting "crash of a lifetime" this year or next

There are two useful points in his article. First, it is very difficult to see the early warning signs of a major drop. Eg Iceland problems was not one off but a sign of something more systematic. Second, the ability to mitigate the pain of a downturn requires a coordinated set of actions by the fed...
by advice789
Thu Jun 01, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 8153

Re: Cell phone service abroad

Many have mentioned the use of local SIM cards. Have used SIM cards many times and a good option. One concern is hacking. Buying a sim from an unknown company, may increase the risks of malware, in the SIM card , infecting the phone. As an alternative, consider renting a mobile wifi . Available in m...
by advice789
Thu Jun 01, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: New here, selling my businesses, need advice.
Replies: 9
Views: 1369

Re: New here, selling my businesses, need advice.

Congrats on the success to build two businesses. I terms of next steps, am a fan of this forum for objective thoughts. A couple of suggestions for next steps: End in mind- create a Investment Policy Statement. You can find a sample in the Bogle wiki or google it. Useful set of questions to articulat...
by advice789
Tue May 23, 2017 2:40 am
Forum: Investing - Help with Personal Investments
Topic: Help me help my non-US citizen fiancée
Replies: 9
Views: 1457

Re: Help me help my non-US citizen fiancée

As a related point. At some point on the path to citizenship or residency, she will be subject to US gov't FBAR requirements. Am not an expert but should she be recognized by a bank as a US resident , fbar maybe triggered. Google fbar for a quick overview if information is needed. The penalties can ...
by advice789
Mon May 15, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Pre-retirement Advice Requested
Replies: 18
Views: 2053

Re: Pre-retirement Advice Requested

Regarding 1, seeking an independent view has benefits to ask questions that have not been asked before. In terms of the independent view, have used a financial planner via Garrett network. Prior posts suggested a checklist to clarify your goals for the session. Only add, ask the planner if he / she ...
by advice789
Wed Apr 19, 2017 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Annual finance check up
Replies: 4
Views: 762

Re: Annual finance check up

Have an investment approach but more informal. Good point to create the written document
by advice789
Wed Apr 19, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Annual finance check up
Replies: 4
Views: 762

Annual finance check up

Each year, I go to the doctor for an annual physical. He always request a normal blood test and then depending on my aches or pains or health, may order more tests to identify any risk issues. In the same manner, am thinking of a similar Finance Check up. Intent is to obtain added objective advice v...
by advice789
Wed Apr 19, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 7110

Re: How to make best use of lunch with the company president/CEO?

Great opportunity and frankly, wish I had thought of using this forum to seek advice for similar situations. Thanks for the idea Regarding your inquiry, two thoughts. First, after the lunch, what is the One Adjective you want the CEO to describe you? Your questions , behaviors and comments will eith...
by advice789
Mon Apr 17, 2017 6:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 26
Views: 3702

Re: Hawaii Bogleheads, where are you?

While not living in Hawaii, do visit - Appreciate you post dates and times and will try to attend Hnl. - booked to be there early July ,after the 4 th