Search found 349 matches

by bogleblitz
Mon Aug 15, 2016 12:29 am
Forum: Personal Consumer Issues
Topic: Upfront charge when shipping a vehicle
Replies: 4
Views: 501

Re: Upfront charge when shipping a vehicle

I only paid $100 deposit and pay the rest when picked up.

Although if you pay by credit card, you can have the credit card company void/chargeback if there are issues. Check reviews and BBB ratings on the car delivery company.
by bogleblitz
Fri Jun 24, 2016 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Compensation for Software Engineer in Boston w/ 10 years experience? Should i switch jobs?
Replies: 18
Views: 2666

Re: Compensation for Software Engineer in Boston w/ 10 years experience? Should i switch jobs?

I live in boston and in software. You are at the top salary range. You can ask for 150k base but not every company will have 10% bonus and RSU on top of that. You may get 10% more total package and go up to 175k total comp. To really earn more, you have to look into management and become a software ...
by bogleblitz
Tue Jun 21, 2016 2:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund - Rate of return 2%!
Replies: 25
Views: 4249

Re: Vanguard Target Retirement 2055 Fund - Rate of return 2%!

Yes you should keep investing at Vanguard 2055.

You should probably ignore the Rate of return. You are still young and still building equity. A low rate of return is good for you now which means you are buying low and selling high in the year 2055.
by bogleblitz
Sat May 28, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Brita filter -- OEM or generic?
Replies: 4
Views: 579

Re: Brita filter -- OEM or generic?

I have bought the cheaper generic Brita filters from Ralphs supermarket. They taste the same for me. I see no difference. I will buy the generic ones again.
by bogleblitz
Sat Feb 06, 2016 5:53 am
Forum: Investing - Help with Personal Investments
Topic: Can we harvest anything out of this whole life before we lapse it.
Replies: 3
Views: 521

Re: Can we harvest anything out of this whole life before we lapse it.

1. Can we take a loan of $3,500 from the policy (the cash value), and let it lapse? What will be our consequences? especially how will it affect our credit score/history? Our fear is, if we default this policy, it'll be hard to take any loans for a long time. Concerned about mortgage loan, that's t...
by bogleblitz
Tue Feb 02, 2016 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Newbie, stuck in life insurance policy.
Replies: 18
Views: 1526

Re: Newbie, stuck in life insurance policy.

If you quit the insurance right now, you will lose everything in the insurance. You will lose $310 x 18 = $5580. I would quit and run. Let the $5580 be a lesson learn to never buy life insurance as an investment vehicle. If you don't quit, you might end up losing even more money when you quit 5 year...
by bogleblitz
Tue Jan 19, 2016 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Mint...working less, and less, and less
Replies: 42
Views: 7619

Re: Mint...working less, and less, and less

Works fine here. No issues.
by bogleblitz
Tue Jan 05, 2016 5:29 pm
Forum: Investing - Theory, News & General
Topic: How do you organize your finances? Do you use Mint.com?
Replies: 77
Views: 8810

Re: How do you organize your finances? Do you use Mint.com?

I use it. Yes, it is awesome. Yes it is safe to hook up all your accounts.

One good use is I can see exactly how much I make and spend in 2015.
by bogleblitz
Mon Dec 21, 2015 2:46 am
Forum: Personal Consumer Issues
Topic: Macys.com security breach?
Replies: 10
Views: 2336

Re: Macys.com security breach?

macy's credit card works fine for me. No emails.

I do have to say the new or old Macy's credit card website is the worst. Very hard to login (login to macy.com then go to citibankonline), hard to navigate, very buggy, you get 2 different cards (1 for macy, 1 for non macy).
by bogleblitz
Tue Nov 24, 2015 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: On the question of purchasing versus renting
Replies: 29
Views: 2375

Re: On the question of purchasing versus renting

I recommend using Google and search for online rent vs buy instead of your own.

I used Zillow and trulia rent vs buy which was helpful.
by bogleblitz
Tue Nov 10, 2015 12:10 am
Forum: Investing - Help with Personal Investments
Topic: Help with trying to replicate total US allocation in 401k
Replies: 3
Views: 271

Help with trying to replicate total US allocation in 401k

In my friend's 401k, the index options are: Vanguard 500 Index Admiral Vanguard Mid Cap Index Adm Vanguard Small Cap Index Adm So what percentage of each would replicate the total market similar to Vanguard Total market index VTSAX? My guess would be 72% Vanguard 500 Index Admiral 14% Vanguard Mid C...
by bogleblitz
Fri Sep 25, 2015 5:04 pm
Forum: Personal Consumer Issues
Topic: Live close to work AND in a good school district?
Replies: 57
Views: 3547

Re: Live close to work AND in a good school district?

Here are a few examples from ppl I know:

Live in Lexington, Massachusetts or Bedford, Massachusetts. Great schools. Plenty of great jobs in Lexington, Burlington, and Bedford.

Live in San Marino, California or Arcadia, California. Great schools. Work in Pasadena, California.
by bogleblitz
Thu Sep 24, 2015 5:32 pm
Forum: Investing - Theory, News & General
Topic: Fidelity 401k annualized return tips
Replies: 2
Views: 345

Fidelity 401k annualized return tips

I was checking out http://www.401k.com Fidelity 401k website from my iPhone and notice the mobile version of the 401k website gives you annualized 1yr , 3yr , 5yr , and since initial purchase return of your entire 401k portfolio. This is great. I always wanted to my annualized return for my past 10 ...
by bogleblitz
Sun Sep 06, 2015 2:14 am
Forum: Personal Consumer Issues
Topic: Should I change to artificial grass (in SoCal)?
Replies: 43
Views: 3650

Re: Should I change to artificial grass (in SoCal)?

Also check with the city. Some cities in SoCal do not allow fake grass.

For example, Glendale does not allow fake grass.
by bogleblitz
Sat Aug 15, 2015 11:02 pm
Forum: Personal Consumer Issues
Topic: Selling a car registered in NJ to MD
Replies: 4
Views: 892

Re: Selling a car registered in NJ to MD

Drive to the DMV office together, make sure it is a weekday. Once you arrive at the DMV office, you can remove the license plate there. Being at the DMV office with a new owner will help the new owner incase there are problems with the title. Be prepared to spend 1-4 hours at the DMV office. The new...
by bogleblitz
Sat Aug 08, 2015 11:01 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 13448

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

This is great news for boglehead fans. The end of 2 year contracts from verizon will mean that all other providers At&t, t-mobile, sprint will also end 2 year contracts and subsidies eventually. Tmobile has already done this 2 years ago. The analogy is Bogleheads (majority) like to buy a car in ...
by bogleblitz
Sat Aug 08, 2015 12:22 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 13448

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

This is good news about no more phone subsidies. Just like T-mobile. At&t is already half way there.

The bad news is Verizon obviously still has the most expensive plans.
by bogleblitz
Fri Jul 31, 2015 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Hit with $10k tax bill from 2013, given 3 weeks to pay
Replies: 51
Views: 7527

Re: Hit with $10k tax bill from 2013, given 3 weeks to pay

I received similar letter about 12k regarding my employee stock options a few years ago.

I sent a letter with all the supporting documentation. IRS removed all the fees and fines so it is all good in the end.
by bogleblitz
Thu Jun 04, 2015 2:24 am
Forum: Personal Finance (Not Investing)
Topic: "free" identity theft protection deal
Replies: 15
Views: 1848

Re: "free" identity theft protection deal

I also got free 1 year "Protect MyID" from target. It worked ok. When I signed up for a new credit card, "Protect MyID" emails me.

my 1 year has expired and I think I'm no longer a member. It automatically cancels.
by bogleblitz
Mon May 18, 2015 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit a large check long distance?
Replies: 20
Views: 2167

Re: How to deposit a large check long distance?

I would open a local bank where you live.
It is always better to have a local bank when you need it.

It is ok to have 3+ bank accounts anyways.
by bogleblitz
Sun May 17, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Checking
Replies: 23
Views: 3401

Re: Capital One 360 Checking

Had ING and then bought by capitalone360. No issues. I never used customer service. I like that their atm card can be used at alot of locations.
by bogleblitz
Fri May 15, 2015 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a Millionaire???
Replies: 53
Views: 8107

Re: Am I a Millionaire???

Yes , you are.

But your retirement accounts (401k and IRA) has not been taxed yet. I personally calculate the value after tax, so take 25% off of that 500k. This way I can compare my retirement savings vs my taxable investments.
by bogleblitz
Tue Apr 28, 2015 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Sell my condo or rent it out?
Replies: 26
Views: 3069

Re: Sell my condo or rent it out?

I was in a similar situation in 2009. I wasn't able to sell it for the price I want so I rented it for 2 years. Renting out turns out to be a great option for me. 1. 2 years rental income was great. 2. The condo went up those 2 years. Your mileage may vary 3. Need to sell it within 3 years to claim ...
by bogleblitz
Sun Feb 15, 2015 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Have 20k to invest.. trying to time it.
Replies: 7
Views: 1276

Re: Have 20k to invest.. trying to time it.

What happens if you wait 2 weeks and it went up 5%? would you still put the money in?

based on the last 12 months, going up a few percentage in the next 2 weeks is possible.
by bogleblitz
Sat Jan 31, 2015 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Why would I want to contribute to Trad. IRA over Roth?
Replies: 6
Views: 678

Re: Why would I want to contribute to Trad. IRA over Roth?

Roth is always better than a Non deductible traditional IRA. So once you go over $96,000, Roth is better than non deductible traditional IRA.

http://www.bogleheads.org/wiki/Non-dedu ... tional_IRA
by bogleblitz
Sat Jan 31, 2015 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 60
Views: 5059

Re: Filed your 2014 Federal Taxes yet?

still waiting on Vanguard brokerage which is mid Febuary.
by bogleblitz
Fri Jan 30, 2015 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Silly question.. can I write a check to myself?
Replies: 6
Views: 3179

Re: Silly question.. can I write a check to myself?

Yes you can. I even take a picture of the check and deposit the checks online.


Please note that there will be two $30 bounce check fee if there are insufficient funds :D
by bogleblitz
Fri Jan 30, 2015 5:29 pm
Forum: Personal Consumer Issues
Topic: iphone upgrade dilemma
Replies: 19
Views: 2884

Re: iphone upgrade dilemma

As others already mentioned, buy from Costco. It is cheaper, tax free depending on state, and free car charger and car holder. Next plan is cheaper if you get the 10gb or higher plan. Next plan gives you a $25 discount. Next plan is more expensive if you get less than 10gb. You are probably on a leg...
by bogleblitz
Thu Jan 15, 2015 9:40 pm
Forum: Personal Consumer Issues
Topic: T-Mobile to Launch New 'Simply Prepaid' Plans
Replies: 4
Views: 1199

Re: T-Mobile to Launch New 'Simply Prepaid' Plans

$40 is too expensive.

Most bogleheads would like a $10-$20 plan.
by bogleblitz
Tue Jan 13, 2015 11:32 pm
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 138
Views: 18527

Re: What was your costliest investment mistake?

Buying Direxion Daily Financial Bear 3X Shares (FAZ) and Direxion Daily Financial Bull 3X Shares (FAS) then keeping these stocks for long periods like few weeks/months. These stocks should only be held less than 1 day. otherwise you lose all your money. also lost about 90% on a few other individual ...
by bogleblitz
Wed Jan 07, 2015 4:48 pm
Forum: Personal Consumer Issues
Topic: Bilingual households
Replies: 39
Views: 6070

Re: Bilingual households

I taught my kid multiple language the same as my parents taught me. For english, everyone will learn that at school. So at home, there will be no english on TV and no english music. Everything we watch at home is the native language, this way the child will never forget the native language. We only ...
by bogleblitz
Thu Jan 01, 2015 9:53 pm
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 17214

Re: [Annual POLL] What was your 2014 return?

8% according to fidelity 401k website. 60% stock / 40% bond
by bogleblitz
Thu Jan 01, 2015 11:08 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1052
Views: 168989

Re: What are you up YTD?

How do you see one's YTD in vanguard.com?

I guess I need to wait as vanguard only shows YTD up to Nov 30th.
by bogleblitz
Wed Dec 31, 2014 1:46 am
Forum: Personal Finance (Not Investing)
Topic: How to make more money?
Replies: 53
Views: 6564

Re: How to make more money?

I'm a computer programmer so don't be envious. I'm envy of my cousins who live paycheck to paycheck but party every weekend. A computer programmer can make up to 100k in a low cost of living area or 150-200k in the bay area. What ever you study, make sure you have a passion for it. Don't go just for...
by bogleblitz
Wed Dec 24, 2014 1:19 am
Forum: Investing - Theory, News & General
Topic: Have you ever hoped for a correction?
Replies: 52
Views: 4315

Re: Have you ever hoped for a correction?

Yes, was hoping for a 10-20% correction this year 2014. I don't like seeing the market at an all time high every month.
by bogleblitz
Mon Dec 15, 2014 2:13 am
Forum: Personal Consumer Issues
Topic: Humidifiers?
Replies: 14
Views: 1414

Re: Humidifiers?

Get a humidity meter no mater which humidifer you get. Something like this: http://www.amazon.com/AcuRite-00611A3-Wireless-Thermometer-Humidity/dp/B001B35APA Set the humidity depending on the outside temperature rough estimates based on google search: 40 degree = 45 humidity 30 degree = 40 humidity ...
by bogleblitz
Sat Dec 13, 2014 12:09 pm
Forum: Personal Consumer Issues
Topic: Best Boglehead Unlocked Phones
Replies: 9
Views: 1806

Re: Best Boglehead Unlocked Phones

Since you had a Nexus 4, then keep with the Nexus line. Nexus 5 for $350 is very bogleheadish. Nexus 6 is quite expensive $600+ and not recommended right now. I think it will drop in price down to $400 in a few months. Motorola E,G,X are all good choices as well. My family and I all have iphones, ip...
by bogleblitz
Sun Dec 07, 2014 1:28 am
Forum: Personal Finance (Not Investing)
Topic: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99
Replies: 49
Views: 5551

Re: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99

indexfundfan wrote:These are the same prices that Vanguard is offering to its Flagship clients. Is this a pricing error?


the link is for affiliate customers (flagship clients, new customers, etc). if you go to turbotax.com without clicking the link in the OP, you will see normal prices.
by bogleblitz
Sun Dec 07, 2014 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99
Replies: 49
Views: 5551

Re: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99

found this deal from another website. I bought premier downloaded version.
by bogleblitz
Mon Nov 24, 2014 4:40 pm
Forum: Personal Consumer Issues
Topic: Back-up Drive - Local or Cloud? Which?
Replies: 33
Views: 4306

Re: Back-up Drive - Local or Cloud? Which?

I'm local.

I did want to use google drive but it takes forever to upload my 20gb pictures. I'll be fully online cloud soon.
by bogleblitz
Fri Nov 21, 2014 11:10 pm
Forum: Personal Consumer Issues
Topic: Daycare payments - a way to get further discount?
Replies: 11
Views: 2013

Re: Daycare payments - a way to get further discount?

Good Luck (and $2,500 per month for two sounds like you might be better served with a nanny, just sayin') 2,500 is a good deal for 2. At first I thought $2500 for 1 as I've seen brighthorizon.com charges that much. I rather my kids go to a daycare center and play with other kids than stay at home w...
by bogleblitz
Fri Nov 21, 2014 11:04 pm
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 25
Views: 4475

Re: Send text messages from PC to Cell Phone

Sunny Sarkar wrote:
jebmke wrote:Google Voice

+1



+2

https://www.google.com/voice
by bogleblitz
Fri Nov 21, 2014 10:58 pm
Forum: Personal Consumer Issues
Topic: Humidifier: How much condensation is too much?
Replies: 35
Views: 4774

Re: Humidifier: How much condensation is too much?

It seems alot of people in this thread are confused about what type of humidifier the OP has and don't understand what the "Auto" mode is. The humidifier knows exactly what the temperature it is outside so it doesn't matter if it is too cold outside and it doesn't matter where the OP lives...
by bogleblitz
Fri Nov 21, 2014 5:05 pm
Forum: Personal Consumer Issues
Topic: Daycare payments - a way to get further discount?
Replies: 11
Views: 2013

Re: Daycare payments - a way to get further discount?

If you want the most discount, get the 2% back one from citibank. here is the thread http://www.bogleheads.org/forum/viewtopic.php?f=2&t=145785 If you want free credit score every month, you can use creditkarma.com or mint.com Yes, paying off every month will improve your wifes credit score in t...
by bogleblitz
Fri Nov 21, 2014 1:38 pm
Forum: Personal Consumer Issues
Topic: My grown up Christmas wish-A Warm House
Replies: 27
Views: 4005

Re: My grown up Christmas wish-A Warm House

I had a thought of using a space heater in the basement to allow the heat to "trickle up" through the first and second floors. I know this is probably not very efficient, but has anyone tried this or have any opinions on whether it would work? Any other ideas? space heater is good for the...
by bogleblitz
Fri Nov 14, 2014 8:59 pm
Forum: Personal Consumer Issues
Topic: Fidelity 2-Factor authentication fail...
Replies: 13
Views: 1518

Re: Fidelity 2-Factor authentication fail...

I may be wrong but a phone call is very safe in my opinion. All phone calls are recorded and logged. phone numbers can not be spoofed and the police can trace a phone number back to a home address. So a hacker will not call fidelity because the phone call will be traced back to the hacker's home add...
by bogleblitz
Thu Nov 06, 2014 11:27 pm
Forum: Personal Consumer Issues
Topic: Electricity costs going up
Replies: 46
Views: 4660

Re: Electricity costs going up

I also live in MA and use National grid. I have tried to switch to other 3rd party suppliers/distributors in the past. My experience were not good with other suppliers/distributors. When issues occur, I had to call both National grid and the 3rd party supplier/distributor. I was stuck in a 2 year co...
by bogleblitz
Wed Nov 05, 2014 3:18 pm
Forum: Investing - Theory, News & General
Topic: made it through volatile October , hope to stay the course
Replies: 19
Views: 1710

Re: made it through volatile October , hope to stay the cour

I'm disappointed that it didn't drop more and stayed there longer. I learned I can tolerate a 10% drop which means I make nothing for year 2014.

I can probably handle another 30% drop which means I made nothing for 2012-2013.

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