Search found 730 matches

by hlfo718
Wed Nov 02, 2016 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Considering Buying Condo in NYC
Replies: 18
Views: 2433

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: 1978

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: 1978

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: 140

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: 4213

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: 2139

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: 5177

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: 3391

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: 672

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: 4947

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: [Sep2016Updated] Best way to invest in US index etf from Hong Kong and why UK domiciled may not be the best
Replies: 8
Views: 802

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: 310

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: 651

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: 3778

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: 857

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: 2163

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: 1138

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: 1718

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: 1718

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: 1446

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: 1039

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: 12
Views: 2624

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: 6066

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: 816

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: 816

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: 1248

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: 1904

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: 747

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: 1346

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: 4558

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: 1160

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: 1611

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: 5084

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: 16907

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: 16
Views: 2854

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: 469

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
by hlfo718
Mon Feb 22, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Is now a good time to purchase property [New York City]
Replies: 28
Views: 5160

Re: Is now a good time to purchase property [New York City]

I think one important info missing is where in NYC are you referring to? Most people assume is Manhattan but are you referring to the boroughs like Brooklyn, Queens, Staten Island, or the Bronx? If you are looking to buy an apartment, are you looking at co-ops or condos? Rules are diff for them and ...
by hlfo718
Fri Feb 19, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Dealing with legacy Merrill Lynch advisor with high fees
Replies: 20
Views: 2450

Re: Dealing with legacy Merrill Lynch advisor with high fees

Have you thought about using Vanguard's robo service for around 0.30% annually? Much cheaper than ML and they and you can have access to a live person in case you are concerned about the AA or withdrawal rates.
by hlfo718
Wed Feb 17, 2016 8:58 am
Forum: Personal Consumer Issues
Topic: TMobile MNVOs
Replies: 4
Views: 619

Re: TMobile MNVOs

Wife just switched over to Metropcs, which is part of Tmobile. It took an hour to port the number and no issue so far. She had Ptel, which was a tmobile mnvo but went bust in Jan. Good thing metro had the same place for same price. you should take a look at metropcs since it looks like the prices ar...
by hlfo718
Tue Feb 09, 2016 3:48 pm
Forum: Investing - Theory, News & General
Topic: Schwab vs Vanguard
Replies: 27
Views: 4622

Re: Schwab vs Vanguard

Vanguard for sure. Index funds for taxable accounts and Wellington/Wellesley for tax free/deferred accounts. Have you noticed the costs for the two Wellington/Wellesley funds? Wow!
by hlfo718
Fri Feb 05, 2016 12:15 pm
Forum: Investing - Theory, News & General
Topic: Is there any investment that lets you get in/out whenever you want, and govt-guarantees you CPI as a return?
Replies: 20
Views: 1199

Re: Is there any investment that lets you get in/out whenever you want, and govt-guarantees you CPI as a return?

i-bonds can satisfy gov't backed and CPI but you have to hold for at least one year with penalty and there is a $ limit.
by hlfo718
Wed Jan 27, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Zero Coupon Bond Value Question
Replies: 41
Views: 2361

Re: Zero Coupon Bond Value Question

Is this a muni bond? Based on your quote of $7,750, the remaining appreciation is roughly 3.74% a year. Will a stock or balance portfolio do better, no one knows but is not such a high hurdle to overcome.
by hlfo718
Fri Jan 22, 2016 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Double Check your Dividends in Vanguard Brokerage Account(s)
Replies: 11
Views: 969

Re: Double Check your Dividends in Vanguard Brokerage Account(s)

I wish someone from Vanguard can come answer some of these questions. If one account is short $300 that means someone has this $300 in the account by mistake. Or did Vanguard sat on this money? I guess I should also do a periodic check to make sure there were no errors in my accounts but is such a p...
by hlfo718
Tue Jan 05, 2016 5:18 pm
Forum: Investing - Theory, News & General
Topic: PenFed CD ALERT !
Replies: 10
Views: 3644

Re: PenFed CD ALERT !

Keep us posted. Probably 0.25% like the rate hike? Would like to earn 2% on 1 year CD one of these days.
by hlfo718
Mon Jan 04, 2016 4:32 pm
Forum: Investing - Theory, News & General
Topic: Article: Stocks overvalued and could see 50%+ drop
Replies: 29
Views: 4390

Re: Article: Stocks overvalued and could see 50%+ drop

I am shocked! Not about market going down 50% but that I don't see this headline on Marketwatch since they normally have such headliner every day. I guess if you but that up enough you will get it right eventually.
by hlfo718
Tue Dec 22, 2015 11:08 am
Forum: Investing - Help with Personal Investments
Topic: 24 Years Old in NYC
Replies: 7
Views: 1585

Re: 24 Years Old in NYC

Do you want to stay in Manhattan or do you mind moving to the boroughs like queens/brooklyn. But has to be deeper in since LIC and most parts of brooklyn are way over priced. If you add $1,000 a month to your current rent, you can live in a nice or nicer apartment out there and some have amenities l...
by hlfo718
Wed Dec 09, 2015 12:01 pm
Forum: Investing - Theory, News & General
Topic: Private Equity Fees Are Sky-High, Yes, but Look at Those Returns
Replies: 17
Views: 2023

Re: Private Equity Fees Are Sky-High, Yes, but Look at Those Returns

Their fiscal year ends on June 30 so compared to Vang Total World, Calpers equity return is about what the index delivered. Most endowments/inst have access to the top PE funds now. Is just the individual investors including high net worth are kept out and i think is a good thing. The returns in the...
by hlfo718
Thu Dec 03, 2015 8:14 am
Forum: Personal Consumer Issues
Topic: Realtor Negotiating Advice
Replies: 44
Views: 4765

Re: Realtor Negotiating Advice

If your home is in a highly desired area then yes and negotiate. But if your home is in bad shape and in the middle of no where, that will make the agent's job tougher, hence I think they deserve slightly higher commission. I sold my house in a nice area over 10 years ago and negotiated the rate dow...
by hlfo718
Wed Nov 25, 2015 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Friend of the family having difficult time
Replies: 21
Views: 5162

Re: Friend of the family having difficult time

Can she sell that life policy to an investor and get cash upfront? Off course someone will need to help her understand the terms and legal jargon.
by hlfo718
Wed Nov 25, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: Bath tub - Replace - Written quote - $2,500+
Replies: 16
Views: 1424

Re: Bath tub - Replace - Written quote - $2,500+

And is not drywall, is cement board with waterproof in the back or upfront before the tiling. Make sure is done right or there will be leaks again in the future.

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