Search found 744 matches

by hlfo718
Fri Mar 31, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Sleep Number Bed
Replies: 13
Views: 1589

Re: Sleep Number Bed

We just purchased a 2nd queen size last year. The 1st one lasted just about 10 years but all the surrounding and middle foam flattened out. Stupid me decided to get a new mattress instead of replacing the surrounding foam, could have saved a few hundred bucks. But this time we purchased the most bas...
by hlfo718
Tue Mar 21, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Whole-life surrendered cash value reporting for Tax
Replies: 1
Views: 156

Re: Whole-life surrendered cash value reporting for Tax

If the proceeds plus any dividend rec'd is less than your cost basis then is return of capital, no need to report.

Your insurance co would have sent you a 1099 of some sort if you had to report it as income or gain.
by hlfo718
Fri Mar 17, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Merrill Lynch- can't change investment direction! Glitch?
Replies: 4
Views: 333

Re: Merrill Lynch- can't change investment direction! Glitch?

You should be annoyed since your employer is using ML. I hope you have decent fund selections in the plan.
by hlfo718
Fri Mar 17, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Endless Job Interviews (with same company)
Replies: 61
Views: 6268

Re: Endless Job Interviews (with same company)

I went through the same twice. One company I interview 4 times and had 2 lunches with them and they decided not to hire anyone. This dragged out for about a month. The second company I had 5 interviews and finally rec'd offer. The first company I didn't use a recruiter while the 2nd company I did. I...
by hlfo718
Wed Feb 22, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Amazon Coupon Code [expired now]
Replies: 23
Views: 2445

Re: Amazon Coupon Code

I tried buying a JCPenny gift card but the code didn't work. I used it to buy a bunch of grocery from their pantry instead but off course I had to pay $5.99 shipping so net saving was only $2.6 + 5% using their store card. Better than nothing and thanks for the code.
by hlfo718
Wed Feb 22, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Getting the snip: Should it be me or my partner?
Replies: 13
Views: 1566

Re: Getting the snip: Should it be me or my partner?

Mine was covered as well but was a bit painful. Wouldn't want to do it again though.
by hlfo718
Wed Feb 08, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 39
Views: 5998

Re: WSJ Digital Subscription - a bargain!

I found a better deal last year for WSJ online through Amazon, $60 for 2 years. But not sure how often these deals come up. WSJ is the only subscription I have.
by hlfo718
Mon Feb 06, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 52
Views: 3186

Re: ringplus mobile premium plans - what is your experience?

"The port in process takes up to 5 business days to complete."

I hope is faster than 5 days since they are supposed to shut down by the 11th and don't know how long they can hold on to the number once they are shut down. :annoyed
by hlfo718
Mon Feb 06, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 52
Views: 3186

Re: ringplus mobile premium plans - what is your experience?

Can't believe I still have $60 credit with Ringplus! I just transferred in late last year so it was a total loss for me, a used S3 phone and Ringplus plan upgrade cost me over $150. Now I am still waiting for Google to transfer in my number. I put through the order on Sat but still no update from Go...
by hlfo718
Sun Feb 05, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Chromebook and I-Tunes
Replies: 9
Views: 902

Re: Chromebook and I-Tunes

Download Google Play Music and move your music there. You can then access to your music with Chromebook.
by hlfo718
Sat Feb 04, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 52
Views: 3186

Re: ringplus mobile premium plans - what is your experience?

Before trying freedompop check to see if you are able to port in your number. I ordered the SIM card but they can't port in my cell number. Looking to google voice instead.
by hlfo718
Thu Feb 02, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: How much will i need to retire in my apartment in nyc?
Replies: 35
Views: 3987

Re: How much will i need to retire in my apartment in nyc?

If 1,600 is the monthly maint, you will need another few hundred for electric, cable, year end staff tipping, periodic fixing of HVAC system or replacing old ACs. Maint also doesn't cover your handyman stuff like fixing a leak or plumbing issues. Should be conservative and assume $2000 a month. Don'...
by hlfo718
Thu Jan 26, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Switching from AT&T post paid contract to GoPhone
Replies: 11
Views: 824

Re: Switching from AT&T post paid contract to GoPhone

Have you seen the deals from Simple Mobile, owned by T-Mobile? Their 4g is just as good as ATT and much cheaper. For $40/month you get 8GB of 4G data. https://www.simplemobile.com/wps/portal/home/!ut/p/a1/dY1LDoIwFADP4gX6Hr-WbdUokIiiMejbGCC1EqE1QGzi6f3snd0kkwwQnIBM9Wx1NbXWVN3XiV-WmG2CQib-PhERprtkcVi...
by hlfo718
Wed Dec 07, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Credit Karma to offer free online filing of federal and state tax returns
Replies: 17
Views: 2651

Re: Credit Karma to offer free online federal and state tax filing

The more competition the better for consumers. Is ridiculous how much personal tax software cost. I like free :P
by hlfo718
Wed Nov 02, 2016 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Considering Buying Condo in NYC
Replies: 18
Views: 2690

Re: Considering Buying Condo in NYC

Or try Queens since is not as expensive. Take a weekend and check out some hoods like Astoria, LIC, Jackson Heights, Forest Hills, and Kew Gardens. Prices are normally cheaper than Brooklyn but have been going up as well. Also, for that price can't you also find a nice 1 BR in UES? Unless the apt in...
by hlfo718
Tue Nov 01, 2016 8:50 am
Forum: Personal Consumer Issues
Topic: Reasonable Accommodation (Health Related)
Replies: 20
Views: 2287

Re: Reasonable Accommodation (Health Related)

Thank you for all the responses. The work from home remedy was actually suggested by the former VP. My wife didn't want to work from home as she feels is too lonely without some colleague interaction. In fact the former VP had sent out multiple emails telling people not to spray perfumes and lysol d...
by hlfo718
Mon Oct 31, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Reasonable Accommodation (Health Related)
Replies: 20
Views: 2287

Reasonable Accommodation (Health Related)

Hi Bogleheads, My spouse has asthma and gets really bad when is triggered by scents such as strong perfumes, lysol, floral type scent, mold.... Her previous dept VP let her work from home 2X a week and her condition improved. But over the summer the VP was replace and the new guy wants everyone to s...
by hlfo718
Tue Sep 27, 2016 11:03 am
Forum: Personal Finance (Not Investing)
Topic: LLC Investing Tax Reporting
Replies: 1
Views: 168

LLC Investing Tax Reporting

Hi BHs, My two friends and I are looking to form an LLC to invest into 2-3 businesses that are structured as either an LLC or partnership (we become LP). This is just a few thousand each so to gain some experience since we know the owners for a long time. How complicated will the tax reporting be fo...
by hlfo718
Thu Sep 22, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Bad Supervisor - Involve Union?
Replies: 41
Views: 4598

Re: Bad Supervisor - Involve Union?

Probably should look into her background to see her experience and connection. She may be connected to a senior manager hence difficult to replace or take action.
by hlfo718
Mon Sep 19, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: what to do with old ipad?
Replies: 16
Views: 2228

Re: what to do with old ipad?

Have similar situation with old desktop flash and hard memory. Does putting them in broiling water destroy the memory permanently?
by hlfo718
Thu Sep 08, 2016 8:28 am
Forum: Personal Consumer Issues
Topic: Ransomware alert
Replies: 54
Views: 5551

Re: Ransomware alert

How safe are the chromebooks? We normally use the chromebook to surf the net but use the laptop for financial matters.
by hlfo718
Thu Aug 04, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 46
Views: 3803

Re: Cricket Wireless - Selecting a Smartphone

I recently purchased a "used" samsung S3 from ebay at a great price. The phone was never used and still had the stickers attached. You should check out amazon as well.
by hlfo718
Thu Jul 28, 2016 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Building a Bond Ladder in VG Brokerage Acct
Replies: 6
Views: 706

Re: Building a Bond Ladder in VG Brokerage Acct

Don't forget to include CDs in your ladder since they yield slightly higher than gov't bonds but comes with FDIC insurance.
by hlfo718
Tue Jul 26, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: BigLaw compensation portrayed accurately by media?
Replies: 43
Views: 5167

Re: BigLaw compensation portrayed accurately by media?

They seem to match what I saw on the Good Wife, just kidding. :mrgreen:
by hlfo718
Tue Jul 26, 2016 8:08 am
Forum: Investing - Help with Personal Investments
Topic: [2017] Best way to invest in US index etf from Hong Kong
Replies: 8
Views: 877

Re: [Updated] Best way to invest in US index etf from Hong Kong

Vanguard does offer S&P 500 ETF in HK, https://www.vanguard.com.hk/portal/mvc/detail/etf/overview?portId=9583&assetCode=EQUITY##performance But not sure what the structure is for tax optimization. You will still need to find a broker to trade this. I think IB is ok even though they have the ...
by hlfo718
Fri Jul 01, 2016 11:07 am
Forum: Personal Finance (Not Investing)
Topic: M* on Tablet
Replies: 2
Views: 333

M* on Tablet

Looks like M* changed their website for tablet users. When I go to the site now i see the address as http://www.beta.morningstar. I normally don't care except now there are ads right in the middle of the screen so you can't even read the articles. I tried to remove beta from the address but no luck....
by hlfo718
Thu Jun 30, 2016 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: 403b with Voya help!
Replies: 11
Views: 709

Re: 403b with Voya help!

Can you ask your HR or Voya to provide an index fund alternative for US, Int'l, and Fixed Income areas? Is kind of crazy that employers/3rd party admins won't add at least one index fund option given more employees are filing lawsuits against their retirement plans with high cost mutual funds.
by hlfo718
Thu Jun 23, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Verizon raised unlimited data by $20
Replies: 49
Views: 3899

Re: Verizon raised unlimited data by $20

If you don't need "Unlimited" then why pay a premium? There are plans for less than $40 that includes 5 GBs a month. My wife has 1 GB and doesn't even use half. I use zero. For me data is a waste of money.
by hlfo718
Mon Jun 06, 2016 11:49 am
Forum: Investing - Help with Personal Investments
Topic: HDOGX-better known as the dogs of the DOW
Replies: 7
Views: 933

Re: HDOGX-better known as the dogs of the DOW

You can get something like that through an etf, SDOG.
by hlfo718
Mon Jun 06, 2016 11:45 am
Forum: Investing - Theory, News & General
Topic: The worst mutual fund in history
Replies: 11
Views: 2232

Re: The worst mutual fund in history

Didn't recognize the name until I saw on the article the previous name was Steadman Fund. What I don't understand is how come no one sued the board of directors, especially after the guy died and his daughter took over rather than liquidate? Wonder how much mgmt fee the family collected over the yea...
by hlfo718
Mon May 23, 2016 3:01 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Fund on Morningstar: expense ratio = 0.00%
Replies: 8
Views: 1182

Re: Fidelity Fund on Morningstar: expense ratio = 0.00%

The freedom funds are fund of funds so the fund has no expense ratio but the underlying funds do. You have to look for acquired fund fees.
by hlfo718
Fri May 20, 2016 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Cash Value Question
Replies: 11
Views: 1807

Re: Whole Life Cash Value Question

Thank you for all the responses. I called the rep from Metlife and she told me once the realized event took place they cannot reverse even if she pays off the loan/premium. So either way she will receive the 1099 next year for the phantom income. I asked the rep to send me the potential cash value c...
by hlfo718
Sun May 01, 2016 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life Cash Value Question
Replies: 11
Views: 1807

Whole Life Cash Value Question

Hi BHs, My mom has a whole life policy from the 80s and hasn't made a payment for a long time. From the Jan statement, it states the cash value was $13,512 whole the loan principal was $17,894. The loan is all from borrowing to pay annual premiums not from actual cash withdrawal. Based on these numb...
by hlfo718
Wed Apr 27, 2016 12:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Manager Changes
Replies: 9
Views: 1732

Re: Vanguard Manager Changes

Wonder if these managers act as traders, which is a very important part of indexing to reduce tracking error.
by hlfo718
Mon Apr 25, 2016 11:13 am
Forum: Investing - Theory, News & General
Topic: Smart-Beta War Rages On as Cliff Asness Slams Pimco Star's Paper
Replies: 6
Views: 1093

Re: Smart-Beta War Rages On as Cliff Asness Slams Pimco Star's Paper

Why would anyone listen to the Pimco guy? Just look at this Pimco All Asset All Authory returns vs. Vang Wellesley. Higher std dev and lower return. Not a good combination.
by hlfo718
Wed Apr 20, 2016 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Voya Fixed Account 4%
Replies: 14
Views: 3698

Re: Voya Fixed Account 4%

If there is a surrender charge I am assuming is some sort of insurance wrapper and the agent is making a nice commission, otherwise there shouldn't be a surrender charge.

If you can get the prospectus and if it is longer than 50 pages, is very likely is an annuity or other insurance product.
by hlfo718
Sat Apr 16, 2016 5:57 pm
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 6594

Re: A Month in Manhattan

Central Park, museums, restaurants from Harlem to Chinatown in manhattan to other boroughs like Brooklyn and Queens, Yankees/Mets, World Trade Center Memorial, Statue of Liberty, and plenty of other stuff. Just take your time since summer is pretty hot in NYC.
by hlfo718
Mon Apr 11, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Social Sec Web Login
Replies: 7
Views: 852

Re: Social Sec Web Login

I was able to get in but I get this, Skip to Content my Social Security Need Larger Text? Accessibility Help We're Sorry... There has been an unexpected system error. Your login session has been terminated. For security reasons, please close all of your internet browser windows. I tried this on Fire...
by hlfo718
Mon Apr 11, 2016 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Social Sec Web Login
Replies: 7
Views: 852

Social Sec Web Login

Tried to go into SS site for the annual statement but haven't been able to do so due to some system error from the site. Is anyone else having the same issue? I also rec'd an email from SS that I requested to change my password, which I didn't request.

Thanks
by hlfo718
Fri Apr 08, 2016 1:29 pm
Forum: Investing - Theory, News & General
Topic: The Keys to Active Management
Replies: 10
Views: 1261

Re: The Keys to Active Management

I have no problem paying index fund like fees to Vanguard's active funds such as their Equity Income, Wellington, and Wellesley Funds.
by hlfo718
Wed Mar 30, 2016 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 2043

Re: Can't waive fees any longer at Bank of America

How about Schwab Checking?

What are the fees and minimums?

Monthly service fees: $0
Account minimum: $0
by hlfo718
Wed Mar 30, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Money Market Rate Change
Replies: 5
Views: 848

Re: Capital One 360 Money Market Rate Change

Ally has been very reliable to keep their savings rate around 1%. Most of my cash is there since I got bait and switch out of capital one early last year. At least when I had my money at Cap One the 1.2% lasted 3 months.
by hlfo718
Wed Mar 30, 2016 10:57 am
Forum: Investing - Theory, News & General
Topic: Anything new in SCV in past 9 months [Small-Cap Value]
Replies: 8
Views: 1414

Re: Anything new in SCV in past 9 months

One would think some fund/ETF shop would have copied DFA's model by now but no.

John Hancock will be offering more multi factor sector ETFs with DFA as sub-adviser. But who cares??? :annoyed
by hlfo718
Wed Mar 30, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: best way to negotiate with cable company?
Replies: 38
Views: 4855

Re: best way to negotiate with cable company?

The problem even if you decide to cut, you still need the same provider for high speed internet. If you only take internet the price is like 50 a month for something like 25 mbs. Then you start adding costs for netflix, hulu, or whatever else then you costs go back up to $80/month. I look forward wh...
by hlfo718
Wed Mar 30, 2016 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Capital One Beneficiary Designation - Trust Only??
Replies: 8
Views: 2280

Re: Capital One Beneficiary Designation - Trust Only??

Just google capital one account beneficiary and one of the first search comes up is a form from Cap One for you to assign beneficiary. The painful part is you have to mail in vs. doing so online like many brokerage firms. Banks are not good with this for some reason.
by hlfo718
Wed Mar 23, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Return of Capital for Schwab ETF's
Replies: 16
Views: 1708

Re: Return of Capital for Schwab ETF's

Not saying is wrong but just makes me wonder how can the ROC be almost 20% of distribution. Funds like a closed end fund, not companies, make ROC distributions. Just wondering how many of the 1,600 companies in SCHC made an ROC to investors?
by hlfo718
Tue Mar 22, 2016 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Visa and Costco?
Replies: 17
Views: 5254

Re: Chase Freedom Visa and Costco?

Obviously you can't use the chase card at the store for the 5% but I wonder if you would qualify by purchasing the costco cash card online? I have been using my Citi 2% to purchase the cash card rather than using the amex 1% at the store. I will try using the chase card to buy the cash card to see i...
by hlfo718
Mon Mar 21, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 93
Views: 20712

Re: Capital One 360 New Money Market Account, 1% on over 10k

ally has been offering their online savings with 1% for a long time. I had some online offer from Cap One a couple of years ago where the teaser rate was over 1% and then dropped to much lower than 1%. I closed that and moved to Ally since Ally has yet to screw around their savings rate.
by hlfo718
Thu Mar 17, 2016 7:38 am
Forum: Investing - Help with Personal Investments
Topic: VGHAX (Vanguard Health)....whats up with that?
Replies: 17
Views: 3455

Re: VGHAX (Vanguard Health)....whats up with that?

Healthcare stocks in general have done really well the last 5+ years so having a sector go down 20% is not a big deal. The fund is still in the top quartile, according to M*. So is not a "Vanguard" problem. Maybe you can't take the volatile of a sector fund?
by hlfo718
Tue Feb 23, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: TWC Wifi Hotspots
Replies: 1
Views: 492

TWC Wifi Hotspots

Hi,

Anyone here tried the hotspots from TWC? I will be traveling on the east coast in a couple of months and wonder how good the connection is so I can save some data usage from cell provider.

Thanks

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