Search found 487 matches

by dailybagel
Mon Nov 28, 2016 10:01 am
Forum: Personal Consumer Issues
Topic: Best genealogy organization site/software?
Replies: 8
Views: 852

Best genealogy organization site/software?

Hi Bogleheads, I'm looking for advice and recommendations about genealogy organization software or services. I would like to give a holiday gift to a family member who has a strong interest in genealogy research. To provide more context, I actually don't think we need software for doing research and...
by dailybagel
Wed Nov 23, 2016 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: help assessing risk of promissory note w/ Techshop, Inc.
Replies: 13
Views: 1716

Re: help assessing risk of promissory note w/ Techshop, Inc.

Rekrapmij, I got a genuine laugh out of this Glassdoor gem:
One of the worst places I have ever worked and I have come from oracle
by dailybagel
Wed Nov 23, 2016 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Cashing a vanguard prime money market fund check
Replies: 9
Views: 954

Re: Cashing a vanguard prime money market fund check

Have you tried cashing the check at your own bank (where you have accounts)?

Unfortunately, some banks do not like cashing checks drawn against their accounts for non-account holders.

Also, welcome to the forum! I hope you find Bogleheads to be a helpful and friendly place.
by dailybagel
Tue Nov 22, 2016 8:05 am
Forum: Personal Consumer Issues
Topic: New gas range vents LOTS of heat into kitchen
Replies: 27
Views: 1774

Re: New gas range vents LOTS of heat into kitchen

The low-end GE gas range in my apartment vents heat into the kitchen. There is a vent at the top rear of the unit, which heats up articles places on the stove. I placed an aluminum foil box there a couple days ago, and was surprised how hot it got. in my case, the control knobs are in the front. Is ...
by dailybagel
Sun Nov 06, 2016 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Considering a 10% down vs. doctor's mortgage
Replies: 24
Views: 2354

Re: Considering a 10% down vs. doctor's mortgage

For background, here is a post from WhiteCoatInvestor explaining a "doctor mortgage": http://whitecoatinvestor.com/personal-f ... gage-loan/
by dailybagel
Sat Nov 05, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Paying Cash for House vs. Taking Large Lender Credits then Paying Off House
Replies: 13
Views: 1478

Re: Paying Cash for House vs. Taking Large Lender Credits then Paying Off House

Here is my thought: a person who is positioned to pay cash for a home is obviously financially successful. My suggestion would be to simply pay cash, in order to keep the real estate transaction (and life in general) simple. I would be very surprised if mortgage contracts left a loophole that allowe...
by dailybagel
Sun Oct 30, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: which engineering major for renewables
Replies: 62
Views: 3691

Re: which engineering major for renewables

I am trained as a chemical engineer. I personally really enjoyed the discipline, because it covers science from the molecular scale to very macro scale. I agree with others that this young student should strongly consider a traditional engineering program, like chemical, mechanical, or civil enginee...
by dailybagel
Sun Sep 25, 2016 5:34 pm
Forum: Personal Consumer Issues
Topic: Football on Over the Air Free channels
Replies: 11
Views: 1185

Re: Football on Over the Air Free channels

¿Qué canal de televisión está viendo Ud. cuando esto sucede? si está viendo la principal filial de la CBS o Fox y el comentario es en Espanol, la configuración del televisor esta usando "SAP".
by dailybagel
Mon Jun 13, 2016 11:03 pm
Forum: Investing - Theory, News & General
Topic: John Oliver covers retail investment industry on Last Week Tonight
Replies: 114
Views: 16149

Re: John Oliver covers retail investment industry on Last Week Tonight

Thanks for the notice! I'm looking forward to seeing it on YouTube. John Oliver is more than just witty; he really packs a lot of accurate and important information into a short, entertaining segment. Congratulations dailybagel on seeing the show live! Was it done in one take? Seeing the taping was...
by dailybagel
Sun Jun 12, 2016 8:54 pm
Forum: Investing - Theory, News & General
Topic: John Oliver covers retail investment industry on Last Week Tonight
Replies: 114
Views: 16149

John Oliver covers retail investment industry on Last Week Tonight

I wanted to share some breaking news: tonight's episode of Last Week Tonight with John Oliver , airing in about 90 minutes on HBO, will focus on the retail investment industry. During the 15-minute segment, host John Oliver will focus on how the retail investing experience is a bit confusing for the...
by dailybagel
Tue Mar 29, 2016 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Selling to rent, where to put cash?
Replies: 17
Views: 2582

Re: Selling to rent, where to put cash?

I agree with Valuethinker that the place for the home sale proceeds are very low-risk investments. In my case, I have a housing down payment fund of similar magnitude in an Ally Bank savings account.
by dailybagel
Tue Mar 29, 2016 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Cheaper to trade-in for new truck !?! Is there a free lunch here?
Replies: 23
Views: 2333

Re: Cheaper to trade-in for new truck !?! Is there a free lunch here?

Doing the math: $31,500 for new car, with $4,600 down (in the form of equity in current car) leads to a $26,900 loan, over 48 months leads to the $560 monthly payment. Let's assume a similar 48-month loan when you friend his current car. $31,000 for the old car, with $4,000 down, means a $27,000 loa...
by dailybagel
Sun Mar 27, 2016 12:19 pm
Forum: Personal Consumer Issues
Topic: Renting a car when you don't own a car and therefore have no personal car insurance.
Replies: 8
Views: 1687

Re: Renting a car when you don't own a car and therefore have no personal car insurance.

I recently faced this issue. I purchased liability-only insurance at the rental car counter. It complimented the collision coverage provided by my credit card. It cost $11 per day, which is probably double or triple what an annual liability policy would cost (on a per-day basis). BUT, the insurance ...
by dailybagel
Sat Mar 26, 2016 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Checking Account, NYC area
Replies: 10
Views: 1003

Re: Best Bank for Checking Account, NYC area

I live in the same area (NJ in the NYC metro area). I asked a similar question in 2012, and got similar answers: Chase, TD Bank, and First Republic.

Here is the Bogleheads thread: viewtopic.php?f=2&t=103870
by dailybagel
Mon Mar 14, 2016 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Resident of NJ, W2 from Employer only has NY State
Replies: 7
Views: 902

Re: Resident of NJ, W2 from Employer only has NY State

I agree with nps' suggestion to include a photocopy of the W-2. If you do work for this New York employer in the future, you could check with the payroll department, to make sure they have your home address in the their payroll system. My employer handles this case properly, showing "NY" w...
by dailybagel
Sun Mar 13, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Laid off, bouncing ideas.
Replies: 39
Views: 5048

Re: Laid off, bouncing ideas.

Hey man, I think you should drop this idea of spending a month in Thailand to "clear your head." As others have pointed out, it will complicate your unemployment insurance process. I worry it will also make it harder to connect with a new job -- imagine that a company reaches out to you af...
by dailybagel
Wed Mar 09, 2016 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: How long between accepted offer on house and closing
Replies: 17
Views: 1736

Re: How long between accepted offer on house and closing

The negotiable components of an offer are typically price, closing date, and any contingencies (eg a financing contingency from the buyer). In your case, as a cash buyer, you could probably close quickly, compared to a buyer who needs financing. I would suggest making an offer with the closing date ...
by dailybagel
Sat Dec 19, 2015 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Slate: "Prophets of Thrift"
Replies: 25
Views: 3119

Re: Slate: "Prophets of Thrift"

From the article: These sentiments aren’t unique to the Great Recession and its recovery. In Thrift: The History of A Cultural Movement, Andrew Yarrow describes efforts during the Gilded Age to promote proper financial living. Income inequality was soaring, but then, as now, everyone from politician...
by dailybagel
Tue Sep 08, 2015 7:33 am
Forum: Personal Consumer Issues
Topic: House rental or purchase -- stumped but asking early
Replies: 17
Views: 1723

Re: House rental or purchase -- stumped but asking early

Thanks, denovo. The uncertainty about duration is the big issue, and it might be why we wind up doing nothing, grumbling all the while. Not that I treat my wife like a child, but I think some diversions might take the focus off the commute. Having a beach house rental for the summer to look forward...
by dailybagel
Sun Sep 06, 2015 9:58 am
Forum: Personal Consumer Issues
Topic: Repair it? Or get something new? [Car]
Replies: 12
Views: 1740

Re: Repair it? Or get something new? [Car]

Guess I will be fixing it while I save and make some adjustments and monitor my monthly costs before spring and buying a new WRX. The girlfriend just dumped me last month and moved out so I'm taking the time through the winter to make sure my expenses settle where I expect them too. I caught the al...
by dailybagel
Wed Aug 05, 2015 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Chase asking for liquid net worth, total net worth...
Replies: 46
Views: 6844

Re: Chase asking for liquid net worth, total net worth...

My guess is that this company was trying to determine if you meet the criteria of an "accredited investor." http://www.investor.gov/news-alerts/investor-bulletins/investor-bulletin-accredited-investors In one sense, they may be asking "because" of a government regulation -- but I...
by dailybagel
Mon Aug 03, 2015 7:33 am
Forum: Personal Finance (Not Investing)
Topic: what is Excise Tax Bill on Car???
Replies: 9
Views: 881

Re: what is Excise Tax Bill on Car???

Right, the excise tax on cars in Massachusetts is similar to property taxes on real estate. It is calculated based on statewide formulas, but payable to the town in which you register your car. http://www.mass.gov/dor/local-officials/municipal-finance-law/frequently-asked-questions-motor-vehicle-exc...
by dailybagel
Wed Jun 10, 2015 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Inflation indexed SPIA providers
Replies: 15
Views: 2018

Re: Inflation indexed SPIA providers

It would be great to see a comparison of the premium (or the payouts for the same premium) for inflation-adjusted and non-inflation-adjusted annuities.
by dailybagel
Mon May 25, 2015 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a 401k at my First Fuill-time Job
Replies: 13
Views: 1351

Re: Starting a 401k at my First Fuill-time Job

I would urge you NOT to allow your parents to pay off your loans with a home equity loan. I would instead try to make payments yourself. You could do some kind of debt snowball, paying more than minimum on the smallest loan, and the minimum payment on all other loans. It sounds like they generously...
by dailybagel
Mon May 25, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a 401k at my First Fuill-time Job
Replies: 13
Views: 1351

Re: Starting a 401k at my First Fuill-time Job

-Having a good healthy relationship with my parents we have already discussed refinancing my college loans on home equity which is offering us a fantastic interest rate (<3%) compared to my student loan provider ranging from (3-7%) and in return I can help them pay the home off by making as large a...
by dailybagel
Mon Apr 27, 2015 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Best way to sell a used wedding ring?
Replies: 18
Views: 3499

Re: Best way to sell a used wedding ring?

I read a success story in which a person consigned the ring to a jewelry store, paying a significant commission when it eventually sold there. That might have been in a bogleheads thread. If you are searching for advice online, don't forget to search for "sell engagement ring", as that is ...
by dailybagel
Mon Apr 27, 2015 7:39 am
Forum: Personal Consumer Issues
Topic: Been invited to wedding in Disney World. My cost?
Replies: 58
Views: 9038

Re: Been invited to wedding in Disney World. My cost?

I have seen wisdom in two rules designed to keep people from making unsustainable decisions based on emotional pull:

1. The United States does not negotiate with terrorists.
2. dailybagel does not attend destination weddings.

Having a policy makes it easier to say no.
by dailybagel
Tue Apr 07, 2015 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 17972

Re: Family member asking for money

I knew there would be varying opinions on this, which are all good to hear. To address the issue of whether his family could cut back on expenses, that answer is I am sure they could. One of their cars is a BMW. My BIL likes expensive craft beers. They have cable with premium stations. On the other...
by dailybagel
Tue Mar 31, 2015 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: My car is (supposedly) totaled. What to do?
Replies: 26
Views: 3219

Re: My car is (supposedly) totaled. What to do?

I have been in your shoes before: owned a 15-year-old Toyota with relatively few miles for its age.

If I were you, I would fix the worst cosmetic damage, and absolutely fix any safety-related issues (e.g. Side-view mirrors). I would then keep the car for as long as you can. Option #2, all the way.
by dailybagel
Mon Mar 23, 2015 7:24 am
Forum: Investing - Theory, News & General
Topic: NRA [Nonresident Alien] investing for the average Joe
Replies: 14
Views: 2692

Re: The NRA investment thread for the average Joe

To confirm, does "NRA" stand for non-resident alien?

Looks like some BH members discussed a wiki page: http://www.bogleheads.org/forum/viewtop ... 0&t=127477
by dailybagel
Fri Mar 06, 2015 8:17 am
Forum: Personal Consumer Issues
Topic: Real estate frustration in finding a new home
Replies: 33
Views: 3254

Re: Real estate frustration in finding a new home

Many of the homes we've been taken to, are quite simply not worth anywhere near the asking price. What makes you come to this conclusion? If the lack of inventory is very low and the area is desirable, then just because a price "seems" high doesn't make it so. A home is 'worth' what peopl...
by dailybagel
Mon Mar 02, 2015 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Inland American / XHR Xenia Hotels and resorts
Replies: 5
Views: 901

Re: Inland American / XHR Xenia Hotels and resorts

Out of curiosity, how did you each get in to the Inland American REIT?

I know your question is about getting out of this investment, but I wonder if there is advice you would have for other bogleheads about the process you took?
by dailybagel
Sat Feb 28, 2015 9:38 am
Forum: Personal Consumer Issues
Topic: Getting Australian Dollars
Replies: 13
Views: 1698

Re: Getting Australian Dollars

Don't get any physical currency before going to Australia. Instead, use your debit card at an ATM when you arrive.

I would suggest bringing a credit card as a backup, in the unlikely event you have trouble at the ATM.
by dailybagel
Mon Feb 16, 2015 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best company to open a credit card with?
Replies: 22
Views: 33746

Re: What is the best company to open a credit card with?

Does Ally actually offer a credit card?
by dailybagel
Mon Feb 16, 2015 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: grad student - taxes on W-2
Replies: 10
Views: 904

Re: grad student - taxes on W-2

I was a graduate student for several years, earning a stipend plus a tuition scholarship.

Students are exempt from FICA taxes (social security and Medicare).
http://www.irs.gov/Charities-&-Non-Prof ... o-FICA-Tax
by dailybagel
Mon Feb 16, 2015 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Relative working at Safeway
Replies: 22
Views: 3220

Re: Relative working at Safeway

I would leave him be. Did he ask for assistance? If he doesn't have the patience to look into and discuss this, I'm thinking.... no. [...] Just my take on it. I agree with Twins Fan that's it's probably a bad idea to keep pushing about this if your relative isn't receptive. If you're wondering abou...
by dailybagel
Tue Feb 10, 2015 9:17 pm
Forum: Personal Consumer Issues
Topic: MedicAlert bracelet restricting care to in-network doctors?
Replies: 18
Views: 1311

MedicAlert bracelet restricting care to in-network doctors?

I recently received a written letter from my insurance company, announcing that three area hospitals were no longer "in network" for 2015. This letter made me think, does it make sense to wear an MedicAlert-like bracelet that lists my insurance information, in case I am injured and become ...
by dailybagel
Sun Feb 01, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 39
Views: 5167

Re: Loan Terms -- Helping a friend going through Divorce?

Again thank you to those that provided actionable useful advice on my question to the rest of you not so much. I'm out. I have first-hand experience that you should really hear about. Unfortunately, the lessons fall outside of the constraints you have placed on this discussion. Good luck; your inte...
by dailybagel
Sun Feb 01, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Is this a good investment?
Replies: 13
Views: 1440

Re: Is this a good investment?

Ok I think the main question I have has not been answer. Lets forget the details and stick with this question. What are some methods I could use to determine adequate compensation for risking 50k into a business? Lets say this business passes the smell test and was verified by an accountant. How do...
by dailybagel
Sun Feb 01, 2015 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual Roth IRA
Replies: 12
Views: 1411

Re: Northwestern Mutual Roth IRA

Your break-even point will probably be relatively short since you'll be saving those high insurance company annuity costs using low-cost Vanguard funds. I agree with Mel. If the annuity fees are 1.25% of your $10,000 assets, that is $125 per year in savings after switching to Vanguard. You will be ...
by dailybagel
Sat Jan 31, 2015 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: question about investing in oil, USO
Replies: 15
Views: 1845

Re: question about investing in oil, USO

One question I would ask: does the asset fundamentally produce income when holding over time, or does it have a cost associated with holding it over time? Assets that produce income: ⋅ directly owned real estate ⋅ REITs ⋅ bonds ⋅ stocks ⋅ capital equ...
by dailybagel
Sat Jan 31, 2015 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual Roth IRA
Replies: 12
Views: 1411

Re: Northwestern Mutual Roth IRA

The Northwestern Mutual website suggests this product is offered within a Variable Annuity. Is that your situation? If so, I would contact NM and ask them how for how long the termination fee will apply. For example, if the cancellation fee drops to $0 after 12 months, and your account is 11 months ...
by dailybagel
Sat Jan 31, 2015 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good investment?
Replies: 13
Views: 1440

Re: Is this a good investment?

I have an opportunity to buy into a business. The business has very little overhead, rent is currently 7% of gross. The value in the company is the education and experience of the two soon to be partners who are currently working for the company. Last year it grossed $450,000, with 3 employees and ...
by dailybagel
Sat Jan 31, 2015 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual Roth IRA
Replies: 12
Views: 1411

Re: Northwestern Mutual Roth IRA

Could you post the ticker symbol and share class (if applicable) of the S&P fund you were invested in? That way, we can check if their cancellation fee is consistent with the fine print (which it presumably is).
by dailybagel
Sun Jan 18, 2015 11:36 am
Forum: Personal Consumer Issues
Topic: Best Book To Learn R Programming
Replies: 32
Views: 5162

Re: Best Book To Learn R Programming

I have used R in the past. Honestly, my impression is that it's too complicated, with too many special cases and implicit conventions (eg apply, lapply, sapply). If I were in your shoes, I would look at Python and the 'pandas' package before diving fully into R. It provides much of the power of R, b...
by dailybagel
Sun May 25, 2014 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: penny smart, dollar stupid with cars
Replies: 24
Views: 3656

Re: penny smart, dollar stupid with cars

I think you should definitely not get a new car -- keep the truck or sell it and go car-free if your new city will allow it. People forget that there are a lot of transaction costs when purchasing a new or used car. Plus, it would increase your cost of insurance. By the way, since you have a truck, ...
by dailybagel
Fri May 23, 2014 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage log jam
Replies: 26
Views: 1752

Re: Mortgage log jam

Here is my advice: do NOT let this seller's mortgage payoff amount influence what you pay for the house. Let's just assume that when the seller looks at all closing costs, mortgage payoff amount, etc, there is a sale price X at which the mortgage is paid off in full, the realtor is paid a commission...
by dailybagel
Sat May 17, 2014 10:41 pm
Forum: Personal Consumer Issues
Topic: Electrical question
Replies: 24
Views: 2440

Re: Electrical question

To first order, the high-voltage charger won't use more or less energy than the low-voltage charger. If the Tesla website suggests that the high-voltage charger leads to less charging costs, it may be more efficient. This is a second-order effect, related to "parasitic" losses. When transm...
by dailybagel
Sat May 17, 2014 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for a private mortgage
Replies: 12
Views: 1127

Re: Advice for a private mortgage

The real reason for gift affadavits is this: if a parent (or any person) wants to lend a homebuyer $37,000, and the parent and the homebuyer have signed this formal document, the "unofficial loan" is basically unenforceable in court. A parent-lender who really wants to be paid back would n...
by dailybagel
Sat May 17, 2014 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Money for House Purchase
Replies: 21
Views: 2358

Re: Investing Money for House Purchase

Thank you so much for your advice. We are willing to take a risk for a chance to achieve a higher return (10-15%). We have been placed in American Funds Portfolio Series share class C. Did the advisor mention the costs of this investment? Looking at the "Balanced Portfolio" example here, ...

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