Search found 307 matches

by goru1
Thu Oct 27, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance from rental car company
Replies: 11
Views: 700

Insurance from rental car company

Does it make sense to buy the following insurance from rental car company? I have $1,000 collision deductible on my personal insurance. I don't have the coverage through my credit card.

CDW $19.99/day
PAI $2.00/day
by goru1
Thu Oct 20, 2016 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Move large $x from taxable brokerage to mortgage principal
Replies: 15
Views: 1449

Re: Move large $x from taxable brokerage to mortgage principal

how many years until you are filing the FAFSA?
How many years out are you?

The first college is six years away.
by goru1
Wed Oct 19, 2016 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Move large $x from taxable brokerage to mortgage principal
Replies: 15
Views: 1449

Move large $x from taxable brokerage to mortgage principal

Are these some of the pros and cons of moving large $x from taxable brokerage to mortgage principal? The plan is to stay in this house for 15 years. Pros: - Better asset protection - Better FAFSA treatment - Reduce debt before start of children's college Cons: - Pay tax on selling stocks in taxable ...
by goru1
Mon Oct 17, 2016 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Rear ended
Replies: 14
Views: 1241

Re: Rear ended

I don't know if damage is in excess of $1,000. If I file the crash report, would It help to decide that the other driver was "at fault" ? Crash report: Requires (iii) in which there was damage in excess of $1,000 to any vehicle within five days after such crash One copy to the local police...
by goru1
Mon Oct 17, 2016 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Rear ended
Replies: 14
Views: 1241

Re: Rear ended

Should I file a police report?
by goru1
Fri Oct 14, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Rear ended
Replies: 14
Views: 1241

Rear ended

My car was rear ended. There was no physical injury. The bumper became loose and scratched. My car is a leased car. I have $1,000 deductible. My insurance gave option to file directly with other driver's insurance. I filed with my insurance. My insurance said they would try to also get deductible fr...
by goru1
Mon Oct 03, 2016 10:11 am
Forum: Personal Finance (Not Investing)
Topic: 4 year graduation rate
Replies: 16
Views: 1891

4 year graduation rate

Is the following sometimes correct for public colleges? - The classes get full and needed courses aren't available - The degree requirements are more with longer list of General Education requirements, Core requirements and Major requirements - The number of advisers is low and students have less cl...
by goru1
Sun Oct 02, 2016 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Undergrad business UMass Amherst Isenberg or Bentley
Replies: 15
Views: 1306

Re: Undergrad business UMass Amherst Isenberg or Bentley

Is there a way to find 4 year graduation rate for Isenberg? 4 year graduation rate University of Massachusetts-Amherst 66% Bentley University 83% http://nces.ed.gov/collegenavigator/?q=University+of+Massachusetts-Amherst&s=all&id=166629 Student-to-faculty ratio: University of Massachusetts-A...
by goru1
Sat Aug 13, 2016 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Undergrad business UMass Amherst Isenberg or Bentley
Replies: 15
Views: 1306

Re: Undergrad business UMass Amherst Isenberg or Bentley

Which business college in MA gives higher chances of clearing CPA and getting recruited by Big four on campus?
by goru1
Sat Aug 13, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Undergrad business UMass Amherst Isenberg or Bentley
Replies: 15
Views: 1306

Re: Undergrad business UMass Amherst Isenberg or Bentley

"Better" is strongly related to the student's abilities, needs, and goals. Please give more information about above statement. Both schools have similar acceptance rate, average GPA, average SAT. One of the goal from both schools is to get a good job or go to graduate school. honors progr...
by goru1
Sat Aug 13, 2016 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Undergrad business UMass Amherst Isenberg or Bentley
Replies: 15
Views: 1306

Re: Undergrad business UMass Amherst Isenberg or Bentley

If Bentley offers aid that makes it comparable to UMass

We would not qualify for need based aid. Is it possible to get other grants and scholarships excluding loans from private colleges?
by goru1
Fri Aug 12, 2016 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Undergrad business UMass Amherst Isenberg or Bentley
Replies: 15
Views: 1306

Undergrad business UMass Amherst Isenberg or Bentley

Which is a better suggestion to a young person, undergrad from UMass Amherst Isenberg or Bentley? It is for the future so stats (GPA, SAT etc.) are not yet available. It is for my understanding so young person's interest is not yet available. UMass Amherst Isenberg: Bloomberg Businessweek 2016 #1 Pu...
by goru1
Mon Aug 01, 2016 7:08 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3689

Re: Canada vacation

I got a Canada card from my insurance company. It says bodily injury in an amount not less than minimum requirement of every province of Canada. Will I have bodily injury to others coverage in Canada same as in US?
by goru1
Sat Jul 30, 2016 8:30 am
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3689

Re: Canada vacation

Do we have to carry passports everywhere or leave it in the hotel safe?
by goru1
Fri Jul 29, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3689

Re: Canada vacation

Border wait time is 1 hour.

Entering Canada at St. Armand
2016-07-29 15:07 EDT
Personal Vehicles
1 hour
http://www.ezbordercrossing.com/list-of ... 5un-9LfOos
by goru1
Fri Jul 29, 2016 7:17 am
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3689

Re: Canada vacation

What is the closest metro from each of these hotels?

Hotels:
Hotel MTL express Aeroport de Montreal
Hotel WelcomINNS
Quality Inn & Suites Brossard
Residence Inn by Marriott Montreal Airport
by goru1
Thu Jul 28, 2016 1:36 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3689

Re: Canada vacation

How is this plan? Plan: - Drive to hotel, 1 day - Hotel, Near Green line, Honore Beaugrand station - Biodome, Green line, Viau station, 1 day - Insectarium, Green line, Viau station, 1 day - Botanical Garden, Green line, Pie-IX station, 1 day - Gray line tour, Green line, Peel station, 1 day - Retur...
by goru1
Wed Jul 27, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3689

Re: Canada vacation

What is a good Montreal Metro station to pick for hotel search? We are planning to take Gray line tours.

Montreal Metro Map.
http://www.stm.info/sites/default/files ... c_2016.pdf

Gray Line Montreal
1255 Rue Peel, Montréal, QC H3B 4V4, Canada
http://www.grayline.com/montreal
by goru1
Tue Jul 26, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3689

Re: Canada vacation

Do I need to know any French to visit Quebec city ( Drive, Public transportation, Food, Tour, Hotel etc. ) ?
by goru1
Tue Jul 26, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: BoA cash rewards credit card
Replies: 9
Views: 997

BoA cash rewards credit card

Is it a good card? We have checking and savings accounts at BoA. We use their online, ATMs and branches. We pay full balance every month. Card: 1% cash back on every purchase 2% at grocery stores 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter No annual f...
by goru1
Mon Jul 25, 2016 10:27 am
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3689

Re: Canada vacation

Is it a good idea to take some of the Les Tours du Vieux Quebec City bus tours?

Tours:
Double Decker
Countryside & Double decker
...
https://toursvieuxquebec.com/en/home
by goru1
Sun Jul 24, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3689

Re: Canada vacation

Is it a good idea to take some of the Gray line Montreal bus tours?

Tours:
A Day in Quebec city and Montmorency falls $87 12 hours
Heart of Montreal motorcoach city tour $43 3.5 hours
...
http://www.grayline.com/things-to-do/canada/montreal/
by goru1
Fri Jul 22, 2016 8:47 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3689

Canada vacation

How is this plan? What extra planning is required like Medical insurance, Auto insurance, Credit cards, Debit card, Currency, Border, Language etc. Plan: Aug 2 Adults 2 Children Personal car Cross border in VT Montreal: Montreal Biodome Ottawa: Calypso water park Decide to continue or return same ro...
by goru1
Thu Jul 21, 2016 1:56 pm
Forum: Personal Consumer Issues
Topic: Orlando Disney Parks
Replies: 41
Views: 3344

Re: Orlando Disney Parks

Is it a good idea to pick Pop Century over All-Star resorts because it has dedicated bus service? Both Pop Century and Art of Animation have dedicated bus service, which means neither resort shares buses with any other resort. That means that you won’t have to wait on the bus while it travels to oth...
by goru1
Thu Jul 21, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Orlando Disney Parks
Replies: 41
Views: 3344

Re: Orlando Disney Parks

Is it a good idea to take one day break after each day of park?
by goru1
Thu Jul 21, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Orlando Disney Parks
Replies: 41
Views: 3344

Re: Orlando Disney Parks

What are the cons of keeping it most flexible? I could think of extra cost and non availability of FastPass+. Book flight as late as possible. Book only one way flight. Book Disney value resort as late as possible. Book resort two days at a time. Buy Disney park tickets as late as possible. Buy park...
by goru1
Wed Jul 20, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: Best kids beach resorts in USA?
Replies: 5
Views: 667

Best kids beach resorts in USA?

What are some of the best kids beach resorts in USA?
by goru1
Mon Jul 18, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: Bermuda cruise
Replies: 21
Views: 1731

Bermuda cruise

Is this a good plan?

Plan:
Aug
2 Adults
2 Children
7-Day
Boston to Bermuda
Norwegian Dawn
Royal Naval Dockyard, Bermuda
Inside room
https://www.ncl.com/cruises/7-Day-Bermu ... 7BOSWRFBOS
by goru1
Sun Jul 17, 2016 11:10 pm
Forum: Personal Consumer Issues
Topic: Orlando Disney Parks
Replies: 41
Views: 3344

Orlando Disney Parks

Is the following a good plan? What is a good place to buy Disney theme park tickets?

Plan:
Aug
5 nights
2 Adults
2 Children
Disney's All-Star Music Resort
Complimentary bus transportation
Magic Kingdom, Epcot, Animal Kingdom and Hollywood Studios
by goru1
Tue Jul 12, 2016 11:37 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 like 60/40
Replies: 6
Views: 1137

Re: 50/50 like 60/40

Those are big tilts
Fund advice ultimate buy & hold portfolio has similar tilts.

What kind of fees would you be paying compared to using index funds in a three fund portfolio?
All Vanguard ETFs.
by goru1
Mon Jul 11, 2016 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: 50/50 like 60/40
Replies: 6
Views: 1137

50/50 like 60/40

Is the following 50/50 like 60/40 because of the tilt? Is it OK for my age? The fund advice ultimate buy & hold portfolio has similar tilts.

Age: 45

50/50:
All Vanguard ETFs
Large 10
Small 10
Reit 5
Intl Large 10
Intl Small 10
Intl Reit 5
Total Bond 25
Intl Total Bond 25
by goru1
Wed Jul 06, 2016 11:45 am
Forum: Investing - Theory, News & General
Topic: Calculate 10 yr real difference 60/40 and 100/0
Replies: 2
Views: 704

Calculate 10 yr real difference 60/40 and 100/0

How do I calculate 10 yr real average annual return approximate difference between following 60/40 and 100/0 AAs? 60/40: Large 10 Small 10 Reit 10 Intl Large 10 Intl Small 10 Intl Reit 10 Total Bond 20 Intl Total Bond 20 100/0: Large 20 Small 20 Reit 10 Intl Large 20 Intl Small 20 Intl Reit 10 Infla...
by goru1
Thu Jun 23, 2016 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Stop playing the game in steps
Replies: 13
Views: 1265

Re: Stop playing the game in steps

I have edited original post.
by goru1
Thu Jun 23, 2016 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Stop playing the game in steps
Replies: 13
Views: 1265

Re: Stop playing the game in steps

100% bonds not necessarily keeping up with inflation

I have edited original post.
I don't think it's necessary to treat each goal separately

Retirement is a need and other goals are wants.
by goru1
Thu Jun 23, 2016 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Stop playing the game in steps
Replies: 13
Views: 1265

Re: Stop playing the game in steps

in total bond fund you won't keep up with inflation

You mean the average annual return was 5.4%. Given today's low interest rates, continuation of this historical performance is nearly impossible

What approximate AA with lowest risk would keep up with inflation?
by goru1
Thu Jun 23, 2016 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Stop playing the game in steps
Replies: 13
Views: 1265

Re: Stop playing the game in steps

in total bond fund you won't keep up with inflation For model 100% bond portfolio, average annual return is 5.4%. Vanguard portfolio allocation models Historical Risk/Return (1926–2015) 100% bonds Average annual return 5.4% Best year (1982) 32.6% Worst year (1969) –8.1% Years with a loss 14 of 90 h...
by goru1
Thu Jun 23, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Stop playing the game in steps
Replies: 13
Views: 1265

Re: Stop playing the game in steps

purchase of a new home

It is not a new purchase. I have edited original post.
by goru1
Thu Jun 23, 2016 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Stop playing the game in steps
Replies: 13
Views: 1265

Stop playing the game in steps

Does the following make sense? Age: 45 AA: Age-10 Needs - Retirement: Reach retirement number Transfer to 100% Target retirement income fund Wants - House paid, College, Early retirement, Inheritance, etc.: New money to 100% Total World Stock Reach (not necessarily pay) wants number Transfer to 100%...
by goru1
Wed Jun 22, 2016 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Accounting or Computer Science
Replies: 67
Views: 5638

Re: Accounting or Computer Science

Based on the responses, Is my understanding of following cons correct?

CS:
Sexism
Ageism
Skills get out dated
Low stability
Off-shoring

Accounting:
Boring
by goru1
Tue Jun 21, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Accounting or Computer Science
Replies: 67
Views: 5638

Re: Major - Accounting or Finance

I merged goru1's later thread back into the original.

These are two separate topics.

- Accounting or Finance
- Accounting or Computer Science
by goru1
Tue Jun 21, 2016 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Accounting or Computer Science
Replies: 67
Views: 5638

Re: Accounting or Computer Science

Is there a place to see undergrad curriculum for accounting and computer science?
by goru1
Tue Jun 21, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Accounting or Computer Science
Replies: 67
Views: 5638

Re: Accounting or Computer Science

Is it correct that following are the CS cons?

- Effects of offshoring in second half of career from 45 to 65
- Women percent is low, approximately 20%
by goru1
Tue Jun 21, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Accounting or Computer Science
Replies: 67
Views: 5638

Accounting or Computer Science

Which is a better suggestion to a young person? Assume the young person has similar interest in both options.

- Accounting ( Masters, CPA, Big four 5 years, MBA, Corporate job )
- Computer Science ( Masters, Some certification, CS Big four Google etc. 5 years, MBA, Corporate job )
by goru1
Mon Jun 20, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: Good college major quiz
Replies: 15
Views: 1834

Good college major quiz

What is a good college undergrad major quiz to suggest to a young person?
by goru1
Fri Jun 17, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Good place to buy new washer dryer
Replies: 26
Views: 2076

Re: Good place to buy new washer dryer

Is following a good washer? Washer: lowes.com Search filters: Top-Load, < $600, 0 to 3.6 cu ft Whirlpool $329 3.5-cu ft High-Efficiency Top-Load Item # 670295 Model # WTW4815EW 2501 Reviews 4.5 Average 87% recommend this product http://www.lowes.com/pd/Whirlpool-3-5-cu-ft-High-Efficiency-Top-Load-Wa...
by goru1
Fri Jun 17, 2016 9:50 am
Forum: Personal Consumer Issues
Topic: Good place to buy new washer dryer
Replies: 26
Views: 2076

Re: Good place to buy new washer dryer

An appliance store.

Which is a better option Sears, Lowes, Home depot?
by goru1
Fri Jun 17, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Good place to buy new washer dryer
Replies: 26
Views: 2076

Good place to buy new washer dryer

What is a good place to buy new washer dryer? I want minimum of my involvement (measurements, recommendation, estimate, buy, deliver, install, install pan, test, take away old ones, return if needed, repeat the process if needed, future repairs, don't think about it for 10 years). Which is a better ...
by goru1
Wed Jun 15, 2016 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Parent plus loan or Cosign private student loan
Replies: 6
Views: 454

Re: Parent plus loan or Cosign private student loan

I recommend choosing neither option.

What are the other options to cover the difference between the total cost of attendance and the financial aid received?
by goru1
Wed Jun 15, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Parent plus loan or Cosign private student loan
Replies: 6
Views: 454

Parent plus loan or Cosign private student loan

Which is a better option Parent plus loan or Cosign private student loan?

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