Search found 148 matches

by bad78andy
Wed Jan 11, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: FL prepaid plan(4-Year Florida University Plan)
Replies: 21
Views: 2067

Re: FL prepaid plan(4-Year Florida University Plan)

I paid lump sum on 4-Year Florida University Plans for both my kids last year, about $27k+change each.
(I graduated from USF, my brother from USF+UF, cousins from UF.)
by bad78andy
Tue Nov 08, 2016 7:40 am
Forum: Personal Consumer Issues
Topic: Trying to expand S-Corp abroad
Replies: 2
Views: 266

Re: Trying to expand S-Corp abroad

If I were you, I'd start here: https://in.usembassy.gov/business/getting-started-india/ and https://www.indianembassy.org/pages.php?id=82 Find out who are the relevant national, state, and local labor laws and regulations; these can be laborious and vary from state to state. Is your wife an NRI/NRO ...
by bad78andy
Fri Nov 04, 2016 6:44 am
Forum: Personal Consumer Issues
Topic: More Honda Accord airbag trouble
Replies: 8
Views: 1458

Re: More Honda Accord airbag trouble

Check the recalls specific to your VIN at http://recalls.owners.honda.com/service ... ce/recalls

Don't listen to something someone said, get to the source. And check with NHTSA per MudPuppy's post.
by bad78andy
Tue Oct 25, 2016 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Real estate investing....thoughts
Replies: 19
Views: 2989

Re: Real estate investing....thoughts

I have five rental properties. Purchased when the housing market was down or a distressed seller. Four are 1/1 condos, one is a 2/1 townhouse. All are constantly rented. I have a very good property manager who works for a flat fee. He also manages two condos for my in-laws, for which I have authorit...
by bad78andy
Fri Oct 21, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: How to co-own and co-occupy home with in laws
Replies: 34
Views: 3526

Re: How to co-own and co-occupy home with in laws

This won't end well. Money can ruin a personal relationship.
If you can, nix this idea.
by bad78andy
Thu Oct 20, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: How to transfer huge amount of data (>500 GB) to someone through the internet?
Replies: 88
Views: 6331

Re: How to transfer huge amount of data (>500 GB) to someone through the internet?

FileZilla FTP server is very easy to set up. You don't need to configure your router; most ISP routers allow FTP port 21.

Your brother can use the FileZilla FTP client.

I've been using it for a long time. Zero issues.
by bad78andy
Thu Oct 20, 2016 11:08 am
Forum: Investing - Theory, News & General
Topic: africa etf's and mutual funds
Replies: 9
Views: 1039

Re: africa etf's and mutual funds

My cousins do business in 7 countries in in East and West Africa in one sector. A deep conversation with my cousin and an uncle about Nigeria for business was eye-opening. Nigeria has and will always have tons of promise and potential. You have a large population but also large bureaucracy. The road...
by bad78andy
Thu Oct 20, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: africa etf's and mutual funds
Replies: 9
Views: 1039

Re: africa etf's and mutual funds

From your travels to africa - any thoughts on it as a place to invest? My recent trips have been to Kenya, but I've been to other EA countries and South Africa. [For what it's worth, most East Africans do not think of North African countries as a part of Africa. "Egypt, that's practically the ...
by bad78andy
Wed Oct 19, 2016 1:55 pm
Forum: Investing - Theory, News & General
Topic: africa etf's and mutual funds
Replies: 9
Views: 1039

Re: africa etf's and mutual funds

I've seen a couple of funds from JP Morgan and Standard Chartered. They have a 5% front load plus a 1.5% ER. Some of them are more Middle-East focused, others are on South Africa. I'm yet to find one that focuses on large public companies in East and West Africa. I'm from East Africa, go there every...
by bad78andy
Mon Oct 17, 2016 12:20 pm
Forum: Investing - Theory, News & General
Topic: Is Morningstar Premium worth it?
Replies: 18
Views: 2324

Re: Is Morningstar Premium worth it?

Some public libraries allow free on-line access to it. TR Price (and possibly others) offer it for free for those with $100K in accounts. I personally would not pay for it. Thank you! This is the second best info I've received from BogleHeads! The first was Lazy Portfolios. Zero was the recommended...
by bad78andy
Fri Oct 14, 2016 6:46 am
Forum: Investing - Help with Personal Investments
Topic: US Based Investor With U.K Sterling
Replies: 20
Views: 1669

Re: US Based Investor With U.K Sterling

How about FOREX trading? Trade the currency vs USD directly. I looked over TDAmeritrade and it looks like you can do this for $9.99 a trade, so ten bucks to get in and then ten bucks when you decide to get out. You haven't answered either OP's or my questions about investing. How is FOREX trading i...
by bad78andy
Thu Oct 13, 2016 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: US Based Investor With U.K Sterling
Replies: 20
Views: 1669

Re: US Based Investor With U.K Sterling

trumpetS3, have you made any moves with your sterling? I'm still stuck with my funds stuck in CDs until March 2017. By then markets will have adjusted to post-US elections. Article 50 is supposed to be triggered by end of March 2017 per PM May. I think I will wait and see before I make any moves. Me...
by bad78andy
Wed Oct 12, 2016 8:31 am
Forum: Investing - Theory, News & General
Topic: Where do you keep your kids' money?
Replies: 54
Views: 7627

Re: Where do you keep your kids' money?

We have UTMA/UGMA accounts at the local bank. All the gift money goes there. Anything over the minimum limit is transferred to their VG UTMA/UGMA account, in a 60/40 split of Total Stock/ Total Bond Index funds. We'll be closing the local bank accounts soon. It'll be Vanguard only. Lump sum given to...
by bad78andy
Wed Oct 12, 2016 8:22 am
Forum: Personal Consumer Issues
Topic: Vacation in Peru/Ecuador in December
Replies: 10
Views: 1193

Re: Vacation in Peru/Ecuador in December

Machu Picchu requires permits. You have to book well in advance. I booked in the 4-day Inca Trail Trek 2012 through http://incatrailreservations.com/ They will feed you well. Spend at least 2 days in and around Cuzco to acclimatize to altitude. Lots of archaeological features to see. You'll be tired...
by bad78andy
Fri Oct 07, 2016 11:21 am
Forum: Investing - Theory, News & General
Topic: Trying to beat the market
Replies: 18
Views: 2519

Re: Trying to beat the market

Great post. Just a story to share: Wife: My cousin in the UK claims that he is up 22% YTD. We (in the US) should think about investing, and GBP is low so we'll get more for our USD. Me: What does he invest in? Stocks, GILTS, Index funds, commodities, currencies? Does he day-trade, swing-trade, short...
by bad78andy
Tue Sep 20, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 12801

Re: Favorite Coffee

PandaBear wrote:Does anyone here grind their own coffee? Of those that do, does anyone use a manual burr mill or simply an electric grinder?

Yes I grind me own coffee. Krups Coffee Grinder.
https://www.amazon.com/KRUPS-Electric-G ... le_kitchen
by bad78andy
Mon Sep 19, 2016 10:32 am
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 12801

Re: Favorite Coffee

On a work trip to East Africa earlier this year, both the home where we stayed and the organization we visited would boil water in an electric kettle and serve a Tanzanian instant coffee called Africafe. My first reaction to the idea of instant was memories of awful crystalline instant coffees like...
by bad78andy
Thu Sep 15, 2016 7:03 am
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 12801

Re: Favorite Coffee

Dormans Coffee: AA Blue Mountain, Breakfast Blend, and Continental Blend.
Just got back from Kenya. I buy the beans and grind them in small batches.

Also bought their instant coffee. Will see how it compares to Cafe Bustelo and Cafe Pilon.
by bad78andy
Mon Sep 12, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Career Advancement
Replies: 10
Views: 1759

Re: Career Advancement

My undergrad was EE with RF electives. Master's EE was specializing in RF/Microwave. Worked 4 years at 2 megacorps. Shifted into IT and info sec field. Now I'm better paid than my peers at old megacorp. Those companies downsized the RF and EMI-EMC testing groups.
by bad78andy
Fri Sep 09, 2016 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Waterfront Lot in Florida - Worthless or Priceless?
Replies: 31
Views: 2752

Re: Waterfron Lot in Florida - Worthless or Priceless?

Could be a canal lot, or intracoastal waterway accessible. You'd be surprised that there are quite a few people in Tampa Bay who are off the grid using solar panels. A local schoolteacher is one of them, was profiled by the Tampa Bay Times. Or can still be grid-connected for emergency purposes or se...
by bad78andy
Mon Aug 08, 2016 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: US Based Investor With U.K Sterling
Replies: 20
Views: 1669

Re: US Based Investor With U.K Sterling

I'm staying the course and sitting still until CDs mature, see what rate is offered (wrt recent rate cuts by BoE), look at exchange rate to USD, look for invest-able RE in London metro region, and see what happens on Nov 8. Worst case, open IB account, fund with GBP, and buy non-USD ETFs. Regarding ...
by bad78andy
Wed Jul 27, 2016 8:26 am
Forum: Personal Consumer Issues
Topic: Buying a used DSLR Suggestion
Replies: 37
Views: 2940

Re: Buying a used DSLR Suggestion

I have a Nikon D40X. Purchased in 2010 used from a seller on the FredMiranda.com forums. I also bought a Nikon 12-24 mm and a 18-200mm VR II from a wedding photographer in Ohio, through FredMiranda. All purchases came with original packaging and warranty cards. You can also try Nikonians.com These 2...
by bad78andy
Thu Jul 07, 2016 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Investing a Generation Skipping Inheritance
Replies: 3
Views: 449

Investing a Generation Skipping Inheritance

My parents each have gifted $12,500 to both my kids. So $25,000 to each grandchild. They will get another $25,000 in January 2017. Kids are 4 and 2.5 years old. Both kids have UGMA/UTMA accounts at Vanguard, opened recently, with ~$3-4000 each in Total Stock and Total Bond Funds. This is all gift mo...
by bad78andy
Fri Jul 01, 2016 10:31 am
Forum: Investing - Help with Personal Investments
Topic: US Based Investor With U.K Sterling
Replies: 20
Views: 1669

Re: US Based Investor With U.K Sterling

But I do feel compelled to wait this out a little longer as I can't help but think GBP-USD is close to the bottom currently. Thank you for the original question as I'm in a similar boat to yours. Our funds are sitting in CDs in the Channel Islands, maturing later this year. I don't know if the curr...
by bad78andy
Mon Jun 27, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: Recommend Ad Blockers
Replies: 56
Views: 4742

Re: Recommend Ad Blockers

Ghostery. Supported browsers: Internet Explorer, Chrome, Safari, Firefox, Opera. https://www.ghostery.com/try-us/download-browser-extension/ You can also use the Ghostery Browser on Android https://play.google.com/store/apps/details?id=com.ghostery.android.ghostery&hl=en and iOS https://itunes.a...
by bad78andy
Mon Jun 20, 2016 10:48 am
Forum: Investing - Theory, News & General
Topic: IEX Exchange (Information not Debate Thread)
Replies: 8
Views: 3114

Re: IEX Exchange (Information not Debate Thread)

IEX has been approved as a national stock exchange, as of 17 June 2016.
https://www.sec.gov/rules/other/2016/34-78101.pdf
by bad78andy
Mon Jun 13, 2016 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Starting with Vanguard - Recent UK Graduate
Replies: 3
Views: 419

Re: Starting with Vanguard - Recent UK Graduate

I suggest you have a read at Monevator. http://monevator.com/9-lazy-portfolios-for-uk-passive-investors-2010/ Here is their Slow and Steady Portfolio, you can read on it's asset allocation and progress since 2011 http://monevator.com/passive-investing-model-portfolio/ Posted Jan 2011 For starting ou...
by bad78andy
Mon Jun 13, 2016 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard VBIIX for $20K parking spot [Vanguard Intermediate Term Bond Index]
Replies: 6
Views: 1277

Re: Vanguard VBIIX for $20K parking spot [Vanguard Intermediate Term Bond Index]

Am I the only one who thought that the post title meant cashing in VBIIX to buy a $20,000 parking spot?
You fooled me good!

I'm in a similar quandary, so thanks for asking the question. I've been looking into tax-exempt funds, just like BolderBoy suggested.
by bad78andy
Wed May 25, 2016 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for HSA
Replies: 8
Views: 1261

Re: Asset Allocation for HSA

whodidntante, you're right. I'm in analysis paralysis. I like to keep funds in a S&P 500 fund, but have only Russell 1000 and 2000 funds. 1st world problems. :oops: Artsdoctor, yes, I'm planning on investing the entire amount annually. I realized a month back that for 2 years I had completely ig...
by bad78andy
Tue May 24, 2016 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for HSA
Replies: 8
Views: 1261

Asset Allocation for HSA

I have, through my employer, a HSA account administered by BNY Mellon. The funds of $13,800 are in a money market fund collecting 0.05%, of which I will hold back the annual deductible of $2,600. Thus the investable amount is $11,200. Annual contribution is maxed. My 401k, brokerage account, and var...
by bad78andy
Wed May 04, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance - hold or cash out?
Replies: 21
Views: 2578

Re: Whole Life Insurance - hold or cash out?

2. Perform a 1035 Exchange into a low-cost variable annuity. The purpose of doing this is to make some use out of your loss. The new annuity would have a value of $16k, but $34k of tax basis. That means the annuity can gain $18k without paying any taxes. Once the annuity reaches $34k in value, surr...
by bad78andy
Thu Apr 07, 2016 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual
Replies: 27
Views: 2667

Re: Northwestern Mutual

eltron wrote:Assuming I cancel that and just go and buy a term life plan, do any of you have any suggestions as to where I can get a good and reasonable plan?
Thanks again.


www.term4sale.com
www.selectquote.com
by bad78andy
Wed Apr 06, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Information on non-profit Shelter or Soup kitchen
Replies: 9
Views: 675

Re: Information on non-profit Shelter or Soup kitchen

Perhaps you can volunteer at a soup kitchen, where you can learn about operations, procurement, cooking, etc. Or talk to people who run soup kitchens.
by bad78andy
Wed Apr 06, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Rental Property Depreciation Carry over loss in Turbo Tax
Replies: 33
Views: 2795

Re: Rental Property Depreciation Carry over loss in Turbo Tax

Have you called Turbo Tax? They sold you the software, so they should be able to explain how it works. Ha! Have you ever dealt with their technical support? They can't answer questions properly for their professional products. They don't provide advice on how to enter data. I'll ask my wife to read...
by bad78andy
Wed Apr 06, 2016 9:30 am
Forum: Investing - Theory, News & General
Topic: [DOL Rule on Fiduciary Standard is Released]
Replies: 105
Views: 7133

Re: Thoughts on ObamaRule?

Here are some thoughts, although they are not mine. http://ritholtz.com/2016/04/bank-lobbyists-rebuttals-fiduciary-standards/ My sentiments, exactly. As usual, the O-Admin has given in to some concessions. Why bother making a stand if you're going to water it down? Great intent, mediocre to poor ex...
by bad78andy
Mon Apr 04, 2016 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: becoming your own accountant
Replies: 18
Views: 1762

Re: becoming your own accountant

Every fall, H&R Block offers tax preparer classes. I paid about $100 a few years back. When you're done with the class and pass the exam, they have an additional 2 day class. At the end of the second class, they offer you to work in a retail location of your choice, according to your schedule. Y...
by bad78andy
Wed Mar 23, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: Repair old car or buy new? A car illiterate needs some help
Replies: 40
Views: 3490

Re: Repair old car or buy new? A car illiterate needs some help

Are there any enthusiast Honda shops near you? Guys take AC out of 8th gens all the time. This would require a shorter belt and worst case an added idler pulley. I've done this on other cars and while not an OEM thing that would be in a dealer's manual, it's very commonly done. Otherwise, I'd say j...
by bad78andy
Tue Mar 01, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: Free TV Signal for Occasional Use
Replies: 24
Views: 2649

Re: Free TV Signal for Occasional Use

I have an 8 year old Vizio VX37L. I think it may be first gen, 720p/1080i. It is still my only TV, as we don't watch much anyway. I have never owned cable/satellite (I'm 37). I get all my TV via an antenna, purchased from Solid Signal. You may need a pre-amp to boost the received signal. Follow jimb...
by bad78andy
Wed Feb 10, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 48
Views: 5552

Re: This is 'Murica

As usual, all these "discussions" degenerate into 7 completely predictable responses. Front loader sucks. Front loader great. Top loader traditional sucks. Top loader traditional great. Top loader HE sucks. Top loader HE great. Speed Queen! As usual, the eighth option of user error is ign...
by bad78andy
Wed Feb 10, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: Motivation to do Yoga / stretch more
Replies: 32
Views: 2704

Re: Motivation to do Yoga / stretch more

I know this suggestion doesn't involve apps or streaming, but, check your public library system. Mine has a lot of yoga, pilates, and stretching videos.
by bad78andy
Fri Jan 29, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: Buying Carpet and Painting
Replies: 32
Views: 2938

Re: Buying Carpet and Painting

What others have said:
1. Paint
2. Carpet - used a local chain (Bob's Carpet Mart - they always have some offer, sales staff know their products well)
3. Touch-up when installers left scuff marks on the wall, carpet company refunded cost of touch-up (labor cost)
by bad78andy
Tue Jan 26, 2016 3:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 68
Views: 11226

Re: Tampa Bay Local Bogleheads Chapter

tampaite wrote:Please send me your email via PM to be added to that group.

I tried but got the error Some users couldn’t be added as they have disabled private message receipt.
by bad78andy
Mon Jan 25, 2016 2:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 68
Views: 11226

Re: Tampa Bay Local Bogleheads Chapter

tampaite wrote:How to poll members to see which date(s) is suitable - Feb 13th ro Feb 14th ?

I see the poll option is disabled.

Polls were disabled by the moderators.
viewtopic.php?t=164952
by bad78andy
Mon Jan 25, 2016 11:06 am
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 18047

Re: Do you pay for exercise?

We pay. Using the day care at the gym is the only way we can get kid-free time to exercise, and Kid loves it there (they have bouncy houses and other fun stuff there). +1. YMCA. $66/month for a family of 2A+2c. That includes the kids in their Kid Zone (2 hours per day doing creative things or playi...
by bad78andy
Thu Jan 21, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: Norway's Wealth Fund administrators must be Bogleheads
Replies: 0
Views: 487

Norway's Wealth Fund administrators must be Bogleheads

http://www.bloomberg.com/news/articles/2016-01-21/norway-to-world-we-re-sitting-out-the-big-wealth-fund-sell-off “There’s no indication that we need to sell assets now, not at all,” Matsen said in an interview in Oslo Thursday. “The governance structure around our sovereign wealth fund is actually d...
by bad78andy
Thu Jan 21, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 111
Views: 13466

Re: Amazon Prime: doing the math...is it worth it?

I appreciate the convenience and quick shipping. For a variety of reasons I don't like Bezos. So if I need 3 things, I'll purchase them over the course of three days and 3 separate packages - just cuz I can. Did I mention that I hate Bezos? You're probably not hurting Bezos much. AMZN is publicly t...
by bad78andy
Thu Jan 21, 2016 11:06 am
Forum: Personal Consumer Issues
Topic: Lima, Peru advice
Replies: 23
Views: 2524

Re: Lima, Peru advice

s....should I worry about my cell phone....will it work in Lima? I have TMobile.... According to http://www.t-mobile.com/optional-services/roaming.html Data and Text messages are free and unlimited if you have a T-Mobile Simple Choice Plan. Not all Simple Choice plans qualify, only the postpaid one...
by bad78andy
Tue Jan 19, 2016 5:09 pm
Forum: Personal Consumer Issues
Topic: Lima, Peru advice
Replies: 23
Views: 2524

Re: Lima, Peru advice

NewBog21 wrote:s....should I worry about my cell phone....will it work in Lima? I have TMobile....

According to http://www.t-mobile.com/optional-services/roaming.html
Data and Text messages are free and unlimited if you have a T-Mobile Simple Choice Plan.
by bad78andy
Thu Jan 14, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Help redeeming frequent flyer points for good value?
Replies: 19
Views: 1594

Re: Help redeeming frequent flyer points for good value?

Flyertalk.com Forums are the best resource, IMHO.

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