Search found 2567 matches

by inbox788
Sun Aug 28, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: 2013 vs 2016 CR-V
Replies: 29
Views: 1542

Re: 2013 vs 2016 CR-V

Night and Day difference driving the EX-L . Can you elaborate? Have you driven previous generation 07-11 CRV? If so, how does it compare driving wise to your previous '13 EX vs '15 EX-L? 2011 5SP: Horsepower: 180 @ 6800; Torque: 161 @ 4400 2012 5SP: Horsepower: 185 @ 7000; Torque: 163 @ 4400 2015 C...
by inbox788
Sun Aug 28, 2016 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable annuities
Replies: 3
Views: 262

Re: Charitable annuities

I've been looking at them, but I'm having trouble understating them much the same way I have trouble understanding whole life insurance policies, and I've been trying to understand the whole life for over 20 years now. With the charitable annuities and the like, I've only recently started looking in...
by inbox788
Sun Aug 28, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: 2013 vs 2016 CR-V
Replies: 29
Views: 1542

Re: 2013 vs 2016 CR-V

I don't have experience with a CVT on the 2016, but I wouldn't base my decision on this. I love the CRV, but the one big weakness has been the sluggish acceleration. Last year, they upped the TORQUE with switch to the more fuel efficient Earth Dreams engine. I don't know if it's the same one as in ...
by inbox788
Sun Aug 28, 2016 2:09 am
Forum: Personal Consumer Issues
Topic: 2013 vs 2016 CR-V
Replies: 29
Views: 1542

Re: 2013 vs 2016 CR-V

Manufacturer to Dealer
$750.00 Cash to Dealer Valid: 07/06/2016 - 09/06/2016

http://www.costcoauto.com/new_cars/buil ... mid=381654
by inbox788
Sat Aug 27, 2016 11:45 pm
Forum: Personal Consumer Issues
Topic: 2013 vs 2016 CR-V
Replies: 29
Views: 1542

Re: 2013 vs 2016 CR-V

Don't give it a second thought, just get the new one!

OK, think about upgrading to the EX-L for a little more if you can swing another $2k.
by inbox788
Sat Aug 27, 2016 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help Simplifying Accounts/ Strategizing Allocations
Replies: 8
Views: 671

Re: Help Simplifying Accounts/ Strategizing Allocations

Made me look. I keep a Citibank savings account linked to my checking account. It's been there mainly for historic reasons. I keep a buffer that's part overdraft protection, part emergency fund, so I don't really care much about return, and it's been virtually nonexistent. Activity from 03-07-2015 t...
by inbox788
Fri Aug 26, 2016 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is my salary inflated by my employer?
Replies: 26
Views: 2239

Re: Is my salary inflated by my employer?

Do you work for a university or do you work at a university? A lot of people think they work for a university, but in fact are on a grant or other temporary work, professors included. The latter has far more variability. What is it you do and what types of private jobs (titles) would you get hired t...
by inbox788
Fri Aug 26, 2016 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: $2.2M Windfall
Replies: 37
Views: 4235

Re: $2.2M Windfall

My wife and I both work and have a combined gross income of 230k, however, we live in a very high CL area. My monthly mortgage and taxes are $3200. I am 48 years old, married, three kids age 11, 9 and 6. The 9 year-old received his own settlement which he can't touch until he is 18. It is roughly t...
by inbox788
Fri Aug 26, 2016 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Question, Please Help!
Replies: 8
Views: 932

Re: Student Loan Question, Please Help!

-$2,770 in federal school loans (Interest= 4-6% but it has been deferred for a few years until 2021 due to her taking the pre-requisites to go back to school for physical therapy) -$60,000 in a home equity loan with interest rate of 4% that she is paying her father back (her father took out the loa...
by inbox788
Fri Aug 26, 2016 1:28 am
Forum: Personal Consumer Issues
Topic: Play account at Robinhood.....less than $100
Replies: 22
Views: 1267

Re: Play account at Robinhood.....less than $100

The trading at Robinhood is free you pay nothing to buy or sell. I guess as strange as this sounds my goal wasn't to make money but get more of an understanding of what it is to buy and sell stocks. Win or lose, trading for play money isn't anywhere near trading for real, and you may learn the wron...
by inbox788
Thu Aug 25, 2016 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off low-interest student loan?
Replies: 4
Views: 340

Re: Pay off low-interest student loan?

What's your AA? What's your bond return? I'd say invest in your student loans instead of bonds if they're higher, which is likely given today's rates.
by inbox788
Thu Aug 25, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Internet security: which is the lesser of 2 evils?
Replies: 38
Views: 2729

Re: Internet security: which is the lesser of 2 evils?

1. Hospital network computer (not wifi) which would require I enter the financial website password manually by keystroke. 2. Personal laptop on guest wifi (i.e. not password protected). However, I use a password manager which would require I enter the main password for that software, but NOT the pa...
by inbox788
Thu Aug 25, 2016 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Help with transferring shares trading on Euronext
Replies: 9
Views: 397

Re: Help with transferring shares trading on Euronext

We will probably be in the 25 bracket this year and I do not expect any capital gains for the year. That is a great tip! Unfortunately they do not have ADR. I also checked with the transfer agent and they will not give me a certificate for the existing stock either?! We ended up opening a brokerage...
by inbox788
Thu Aug 25, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: should a student invest for retirement?
Replies: 13
Views: 995

Re: should a student invest for retirement?

I like the Roth idea. Use the first funds as an emergency fund or extension of your emergency fund so invest it conservatively. Any excess begin investing it for retirement at your desired AA. Gives you the flexibility and liquidity with lots of future tax benefit if you wind up keeping it in there....
by inbox788
Thu Aug 25, 2016 9:50 am
Forum: Personal Consumer Issues
Topic: Extension cord's amp and tools
Replies: 25
Views: 1506

Re: Extension cord's amp and tools

First off, make sure you're not connecting extension cords together without considering their combined reduced amperage. With the grass trimmer, it's possible you accidentally damaged the extension cord unknowingly as you were using it. Always check the insulation all along the cord. A 50 foot 12 ga...
by inbox788
Wed Aug 24, 2016 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Young man in a bind/car totalled/no insurance
Replies: 39
Views: 3754

Re: Young man in a bind/car totalled/no insurance

Every state is different. Yes! What state are we talking about. Fault or no-fault? In many instances, these cases were brought to IRS attention directly from a state dept of labor which had received a claim from someone who thought they were entitled to unemployment or workers comp benefits. Only t...
by inbox788
Wed Aug 24, 2016 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with pros/cons for buying a 1M investment property in LA
Replies: 44
Views: 2460

Re: Help me with pros/cons for buying a 1M investment property in LA

I cannot think of anyway this would be better than buying a REIT. A huge disadvantage of buying the property would be that if your situation changes and you want to free up part of the money you would have a hard time getting any money out of the house. With a REIT you would just sell a few shares....
by inbox788
Wed Aug 24, 2016 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with transferring shares trading on Euronext
Replies: 9
Views: 397

Re: Help with transferring shares trading on Euronext

What is your tax bracket and how much are we talking about? Do you have any capital gains? I'd save the trouble of transferring and take the loss. Do they have ADRs? If you want it back, just buy the ADR in a US brokerage. Wait 30 days to avoid the wash sales. There is a chance the stock skyrockets ...
by inbox788
Wed Aug 24, 2016 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital Questions
Replies: 9
Views: 1327

Re: Personal Capital Questions

Slightly clunky resolution to your problem, but as a workaround, you could delete your Ally account link, and substitute in a Manual Investment Holding and periodically update the amount of cash. A manual investment holding will factor into your Asset Allocation. Great idea! Since the Ally cash see...
by inbox788
Wed Aug 24, 2016 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Could I use a Donor Advised Fund as an alternative retirement vehicle?
Replies: 46
Views: 3037

Re: Could I use a Donor Advised Fund as an alternative retirement vehicle?

EnjoyIt wrote:I do not see anything very shady about this process.

That's what we're trying to figure out. His intentions are good, but it seems he's just a little bit pregnant.

http://www.urbandictionary.com/define.p ... 20pregnant
by inbox788
Wed Aug 24, 2016 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Greater than 20% Downpayment
Replies: 8
Views: 987

Re: Greater than 20% Downpayment

I'd like to know if there are any immediate savings in closing costs to paying, say, 50% downpayment instead of 20%. One loan officer suggested a lower mortgage rate up to 25% downpayment, which counterintuitively becomes HIGHER with greater than 25% downpayments. Points is all I can think of. That...
by inbox788
Wed Aug 24, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: Car leases: not that expensive, after all, if you can't do maintenance yourself?
Replies: 19
Views: 1377

Re: Car leases: not that expensive, after all, if you can't do maintenance yourself?

As for leasing cars, there are hidden costs that you have to watch out for, mileage limits for example. They usually limit the number of miles you can drive a leased car, and if you exceed that mileage, you have to pay them for those miles at the end of the lease. If you like to take road trips now...
by inbox788
Wed Aug 24, 2016 9:26 am
Forum: Personal Consumer Issues
Topic: AC blower motor died. need replacement
Replies: 20
Views: 1068

Re: AC blower motor died. need replacement

Are you sure it's the motor? Last time my blower stopped working it was the capacitor that's very cheap to replace. How much are the quoting you to repair the motor vs replacement? Is the unit only 5 years old? If it were much older then replacing is more likely. All depends on the specifics of your...
by inbox788
Wed Aug 24, 2016 4:41 am
Forum: Personal Finance (Not Investing)
Topic: Could I use a Donor Advised Fund as an alternative retirement vehicle?
Replies: 46
Views: 3037

Re: H

I personally think that a donor advised fund through a reputable financial company like Fidelity or Vanguard is a good way to donate appreciated stock provided you have a plan B for funding an alternate charity in case your original intended recipient gets rejected. So if you want the fund your own...
by inbox788
Wed Aug 24, 2016 3:54 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital Questions
Replies: 9
Views: 1327

Re: Personal Capital Questions

I don't include EF in AA. Cash and bonds not part of EF yes. While all my EF is currently FDIC cash/money market, I've considered and am planning short term bonds in the mix down the road. Still not part of my AA. As far as the retirement calculator, I'm not familiar with it, but can think of 2 thin...
by inbox788
Tue Aug 23, 2016 9:07 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses Problem - how to fix? Any Opticians Out There?
Replies: 24
Views: 1971

Re: Eyeglasses Problem - how to fix? Any Opticians Out There?

First off, I'm not in the eye business, so I don't have any stake here. I just have more experience. I've just been wearing glasses since I was a kid (nearsighted) and about 5 years ago, my optometrist has been suggesting I try bifocals, but I put it off as long as I could and only have had progress...
by inbox788
Tue Aug 23, 2016 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity for 28 Year Old Hippie
Replies: 41
Views: 4461

Re: Annuity for 28 Year Old Hippie

I'm skeptical such an annuity would exist, and even if you can find one, it likely isn't going to be attractive. There aren't 60-year bonds available to an insurance company to match the liability, so the insurance company would have no choice but to pass the uncovered risk on to the annuitant in t...
by inbox788
Tue Aug 23, 2016 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Young man in a bind/car totalled/no insurance
Replies: 39
Views: 3754

Re: Young man in a bind/car totalled/no insurance

Sounds like bankruptcy is a possibility. How soon could he do so? And does bankruptcy remove future garnishing of income? Or should he wait as long as possible and wait for all the judgements to finish? Seems if that's the case it's like it could be years before he could begin bankruptcy and that mu...
by inbox788
Tue Aug 23, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: Eyeglasses Problem - how to fix? Any Opticians Out There?
Replies: 24
Views: 1971

Re: Eyeglasses Problem - how to fix? Any Opticians Out There?

Sounds like an incompetent optician, but you're not the typical simple case. This sounds like a situation where it does help to have the optometrist involved and discuss with optician the best course of action. I'm assuming they're not working together at the same location, or you would have probabl...
by inbox788
Tue Aug 23, 2016 4:04 am
Forum: Personal Finance (Not Investing)
Topic: Could I use a Donor Advised Fund as an alternative retirement vehicle?
Replies: 46
Views: 3037

Re: H

Yes, so was their mistake to change the beneficiary or not informing the donor? If the latter, and they had informed the donor, would they have been in the clear as far as the lawsuit? Or was changing the beneficiary the (informing or not) the problem? And if that was the problem, why qualify it wi...
by inbox788
Mon Aug 22, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Could I use a Donor Advised Fund as an alternative retirement vehicle?
Replies: 46
Views: 3037

Re: Could I use a Donor Advised Fund as an alternative retirement vehicle?

Per the Forbes article , they were involved in a number of sketchy practices trying to exploit "gray areas" of the tax code that were quickly closed by Congress leaving a number of dissatisfied donors. The lawsuit actually related to a separate ruling in 1999 related to “charitable split-...
by inbox788
Mon Aug 22, 2016 3:50 am
Forum: Personal Finance (Not Investing)
Topic: Could I use a Donor Advised Fund as an alternative retirement vehicle?
Replies: 46
Views: 3037

Re: Could I use a Donor Advised Fund as an alternative retirement vehicle?

National Heritage Foundation was a DAF that explicitly promoted and encouraged this type of activity (i.e., employees making a tax deductible donation to a nonprofit and subsequently drawing a salary from that same pool of money at the nonprofit), a practice which was outlawed by the Pension Protec...
by inbox788
Mon Aug 22, 2016 3:34 am
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 122
Views: 10354

Re: Best Crossover SUV to purchase

Man you got a lot of stuff on that list! I just bought a certified 2011 Toyota Venza. It covers most of your list except some of the real silly things. Nice cars! You can buy them up to the 2015 model year. A few years back, maybe 3 or 4, I had looked into the Venza. It was then a nice looking cros...
by inbox788
Fri Aug 19, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 51
Views: 3302

Re: Instant oatmeal vs "regular" oatmeal

Sadly this thread will probably close soon because of the health question. I eat the one minute oat meal every day. Just don't stand next to the microwave when you heat it up. :) I wasn't sure, so I looked it up. I knew medical issues were not allowed, but it does appear health related questions fa...
by inbox788
Fri Aug 19, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Could I use a Donor Advised Fund as an alternative retirement vehicle?
Replies: 46
Views: 3037

Re: Could I use a Donor Advised Fund as an alternative retirement vehicle?

By far the cleanest relationship is to never take a penny from the charity. Give them the money, with or without the DAF, give them your time and support, but earn your money at your day job. If I were considering a contribution I would really enjoy seeing a footnote to the description of expenses ...
by inbox788
Fri Aug 19, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 122
Views: 10354

Re: Best Crossover SUV to purchase

Yes the XC90 was tops (http://usnews.rankingsandreviews.com/cars-trucks/best-cars-blog/2015/06/Redesigned_2016_Volvo_XC90_Tops_Luxury_Midsize_SUV_Rankings/) but I can't find the list so you could see if the XC90 drop is because of new cars (Model X, Q7, RX350 refresh) getting better or the XC90 bei...
by inbox788
Fri Aug 19, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Is Google Hangouts reliable replacement for voice phone calling?
Replies: 24
Views: 2471

Re: Is Google Hangouts reliable replacement for voice phone calling?

In my experience, it works about well as a cell phone, meaning it depends on who, how and where you use it. You almost have to just try it and see if it works for you. For me, it's worked fairly well overall, but I still don't use it as my primary line, just an extra line. But I've been using Google...
by inbox788
Fri Aug 19, 2016 5:20 am
Forum: Personal Finance (Not Investing)
Topic: Could I use a Donor Advised Fund as an alternative retirement vehicle?
Replies: 46
Views: 3037

Re: Could I use a Donor Advised Fund as an alternative retirement vehicle?

It clearly does violence to the concept of a charitable donation. This is giving the charity money to give back to the donor, with a tax donation wrapped in the middle. Interesting, but what if all the steps where legal? Would this be similar to the step transaction doctrine? what if Bill Gates rec...
by inbox788
Fri Aug 19, 2016 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Could I use a Donor Advised Fund as an alternative retirement vehicle?
Replies: 46
Views: 3037

Re: Could I use a Donor Advised Fund as an alternative retirement vehicle?

Here's the tricky part...with the DAF can I make contributions to my own 501c3 that I run There are a lot of ideas you're combining, but nothing by itself seems out of line as far as I can see. I don't see any excess or illegal items if looked at it individually. But let me ask this, why not direct...
by inbox788
Fri Aug 19, 2016 4:17 am
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 122
Views: 10354

Re: Best Crossover SUV to purchase

The xc90 is the cats @ss. They tech-proofed it for the long haul with the digital dash and infotainment options of both car play and android auto. All the new safety features, including lane keeping, pilot assist, active cruise, blind spot, a freaking 360 degree camera, pedestrian and large animal ...
by inbox788
Wed Aug 17, 2016 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: UPDATED INFO Fee only financial advisor has us in WAY too many funds - Looking for suggestions
Replies: 56
Views: 3957

Re: UPDATED INFO Fee only financial advisor has us in WAY too many funds - Looking for suggestions

You say 14, but I counted 23 with what I quickly see as 2 duplicates, so 21 funds, of which your advisor is responsible for 14 and you're picking 7? Anything 1-2% of less is pretty insignificant, and doesn't need to be there. Anything with with high EF shouldn't be there without a darn good reason (...
by inbox788
Tue Aug 16, 2016 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: UPDATED INFO Fee only financial advisor has us in WAY too many funds - Looking for suggestions
Replies: 56
Views: 3957

Re: Fee only financial advisor has us in WAY too many funds - Looking for suggestions

I'm trying to keep up tabs on 14 funds and feel it's ridiculous. Why are you "trying to keep up tabs" rather than having your advisor do that for you? What services are you buying, if not that? And why not just tell your advisor to come up with a plan containing fewer funds if that's what...
by inbox788
Tue Aug 16, 2016 1:19 pm
Forum: Personal Consumer Issues
Topic: Any experience with "dealscube"
Replies: 2
Views: 212

Re: Any experience with "dealscube"

With Amazon no longer have great prices I've been looking at alternatives and came across dealscube. (https://www.dealscube.com) One item I'm looking at is $74 on both Amazon and Jet.com but is only $43 on Dealscube - seems to good to be true. Any positive or negative experience with dealscube? (A ...
by inbox788
Tue Aug 16, 2016 1:07 pm
Forum: Investing - Theory, News & General
Topic: Bonds, Aversion to Market Timing, and FIRE'ing
Replies: 28
Views: 2598

Re: Bonds, Aversion to Market Timing, and FIRE'ing

This is my understanding of the risk near retirement. Over the long run, bonds are expected to underperform equities. But if capital preservation is the goal, then you need to be in cash, CDs, etc. RE and stocks can fall 30-50% in a short time and may take years to recover. AFAIK, only the high yiel...
by inbox788
Tue Aug 16, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 122
Views: 10354

Re: Best Crossover SUV to purchase

I don't think I contradicted myself. We have not had many repairs but the couple we've had were expensive. I estimate that we have owned Audi's -- all bought used -- for a total of 13.5 car years (3 vehicles over varying periods). Routine maintenance costs and premium gas made them more expensive t...
by inbox788
Tue Aug 16, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 13146

Re: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]

It's an idea before its time. Sooner or later, security will be improved, but it's going to be later. Just like Tesla's Autopilot is and isn't a self driving car. Tesla Adjusts Its Autopilot Pitch in China ‘Zi dong jia shi,’ meaning the car can drive itself, gives way to ‘zi dong fu zhu jia shi,’ me...
by inbox788
Tue Aug 16, 2016 11:50 am
Forum: Personal Consumer Issues
Topic: Temporarily switching from Verizon to T-Mobile
Replies: 16
Views: 1169

Re: Temporarily switching from Verizon to T-Mobile

Moving phones numbers is a lot of trouble. Forwarding is easier. Go old fashioned. Leave the phone at home. Get a temporary travel phone/number. You can just dial into your cell phone number to listen to VM. Leave a forwarding message on your outgoing box with a temporary travel phone number if you ...
by inbox788
Mon Aug 15, 2016 10:52 pm
Forum: Personal Consumer Issues
Topic: Temporarily switching from Verizon to T-Mobile
Replies: 16
Views: 1169

Re: Temporarily switching from Verizon to T-Mobile

Just did that. Borrowed a friends spare tmobile account (family plan). I used it in the US for a week testing it out, and worked fine. Then went overseas and was able to use data. It was sometimes 2G other times 3G and I was at first a little worried it was going to charge a roaming rate, but didn't...
by inbox788
Sat Aug 13, 2016 5:04 am
Forum: Investing - Help with Personal Investments
Topic: ETF or Mutual Funds?
Replies: 10
Views: 825

Re: ETF or Mutual Funds?

Should I be buying these as ETF's or Mutual Funds? What are the pros and cons? I read the explanation on Vanguard website but frankly still have a hard time differentiating the two , not having been a vanguard client before and not having bought and sold funds on my own (have worked with an advisor...

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