Bogleheads.org

jda

I think it's an ok deal assuming the things they change is the same as my 13 Golf R. 10k oil/tire rotation ($70) 20k oil/tire rotation ($70) + cabine filter ($10 from amazon) 30k oil/tire rotation ($70) + Haldex fluid flush and brake fluid flush So basically you are paying $215 for Haldex and brake ...

jda

But I don't know if any of it really makes a difference. I have a client who had her business debit card hacked and duplicated - it was never lost - but it was mysteriously being used to purchase airplane tickets and hotel stays. She was using it for only a couple of transactions per month as her c...

jda

Like everyone else has mentioned, unless you don't value your time, buying tires Costco is totally not worth it. The tires selection is limited (no Continental, Goodyear), takes literally half of day to get it done and the price is only average. All you get is the free road hazard warranty which can...

jda

I don't have anything to add but I want to thank op for bring up this issue to my attention as I have always thought after-tax contributions is the same as roth 401k. It turns out my 401k plan allows unlimited in-service withdraw so I just did one after I read this thread. Also want to thank everyon...

jda

I have gone through similar scenario this year and we came out slightly ahead due to tax saving of HSA and a uncomplicated normal birth but it could have easily gone the other way. The estimator tool typically assume a full term normal birth, if you have a preemie or need a c-section, you could easi...

jda

I wouldn't do it.

Noise is one thing but the air pollution would be a greater concern to me.
I remember reading some articles about living close to the highway (<500ft) increases cardiovascular diseases.

jda

Just restate op's question, what's the worst case scenario that can happen to OP if the bubble bust? He lose his job, he can't afford the mortgage he can just walk away. Bad credit for 7 years where the upside is if the bubble continues, he can make out 20% or more and have some equity in the place ...

jda

You can't transfer directly but you can use the point to purchased airline tickets at a discount if you have citi thank you premiered card.

jda

Interesting to see the Android love here. I've been a diehard anti-apple person since the iphone came out. I've used every smartphone from WebOS to Windows Phone to Android. On android, I've always gotten the flagship phone, the one that was $200 plus a contract. The S4, LG G3, etc. I broke down an...

jda

check with the potential employer about alternative transportation, Google runs tons of shuttle all over the place, you maybe able to take advantage of that.

jda

https://en.wikipedia.org/wiki/Industrial_engineering#University_programs Folks, By the way, 20+ years ago, the hot / fashionable engineering area was Industrial Engineer. So, where is it now? Do not jump into the latest fashionable engineering area for your bachelor degree. You have 20 to 30 years ...

jda

When I had ISO at eTrade before they were charging like $100 /transaction plus few cents/share; however, I was able to transfer the shares to a self direct brokerage account within eTrade which charged less than $10/transaction. Maybe you should give Morgan Stanley a call and see if they have such o...

jda

Without breaking the bank or selling the car, the first thing I would do is re-finance your loan to penfed @1.49%/36 months.
https://www.penfed.org/Auto-Loans-Overview/?WT.ac=1931

If I were you I wouldn't sell a 2 year old car because all the depreciation plus the tranaction cost (tax/license fees) may outweigh the savings.

jda

A more apples to apples comparison would be total compensation comparison, which would would be 100K/year --> 240K/year ish (about 2.4 times increase) . Keep in mind the 240K/year calculation includes 20 hours of OT assumed worked per week where as the 100K/year total compensation only includes bas...

jda

The problem of leaving your wife's money in Canada in a non-retirement account may make Canada think that she did not cut her residential ties with Canada, therefore, make her liable to filing Canadian taxes each year. Many Canadian banks may not want to open a new account for her if she gives a US...

jda

Most of the posts we see about DRIP at Computershare are how to figure out the cost basis when selling their shares held in a taxable account. Apparently, most folks never kept track of the cost basis. The aggravation and annoyance of figuring out that number means they leave it to their heirs to f...

jda

Thanks again for all the great advices, I think I will go with lightheir's advice on the book selection. I will talk to his dad about getting an online membership, I don't mind start the boy off with a 3/6 month membership but I don't want to burden his parents with recurring fees after that. Anothe...

jda

A friend's son is turning 7 next month and he has been playing chess for a little over a year. Neither do his parents nor I play chess and I am wondering what can I get him to help him improve his chess skills. I was going to get him some chess video games so he can play alone at home, but I think h...

jda

+1 for Ally. Used to have ING but switched because Ally had the nice checking account offer with free use of ATMs including international I believe. Sadly Ally no longer offers free international ATM transactions. Schwab does. I have both. Love both. Did this happen recently? The reason I asked is ...

jda

Able to watch Game of Thrones is priceless

jda

Okay so this method of emailing dealerships is actually becoming a pain although I still believe it will yield the best result.... After contacting the three lowest dealerships ($26,165 to $27,100) it appears they are trying to pull one over on me by trying to trick me into visiting them. What is h...

jda

2014 is not even half way over but it's always fun to be Monday morning quarterback.

jda

I have done #1 last year and the tax wasn't that difficult. On the Canadian side, as you've mentioned, you'll get taxed at 25% non-resident rate (I didn't report anything as the deduction was done automatically and as far as CRA is concerned I am a non-resident). On the US side you can use the tax p...

jda

I would finance it. Even if you open a money market account at Penfed, you can get 1.5% for 5 years.

jda

I am an imperfect Boglehead. Part of my investment philosophy is to minimize taxes by buying and holding until retirement (the only exception being when I bought and eventually paid off my house by selling ESPP). Once I retire my tax rate will be lower thanks to lower income and (possibly) relocati...

jda

Would you buy your company's share if there were no discount was given? If the answer is no then why would you want to hold it for long term cap gain (if there is even one)? If the answer is yes then you may want to consider hold it. The bottom line is don't let the tax tail wag the investment dog.

jda

Just came back from London and Paris a couple of weeks ago and we used Chase Sapphire Preferred Visa for most of the purchases and Ally bank debit card for cash at ATM. Ally supposedly can charge up to 1% of transaction fees but I didn't get charged for anything when I used it once in London and onc...

jda

Just want to point out a few things, if your house is worth 410k why don't you get it reappraise to get rid of the PMI? Also, if your wife isn't working your take home should be higher because the tax will be less. Personally, I think you can swing it but your budget will be tight. You are the only ...

jda

Also, proof of insurance can be shown with a smart phone.
So if your insurance company has an app that shows your insurance card, you wont even need to have it print it out.

jda

Used lotus

http://losangeles.craigslist.org/sfv/ct ... 25394.html
http://losangeles.craigslist.org/lgb/ct ... 74131.html

great handling and rare. HP is not up there but it's super light.
Look is subjective though....

jda

Professor Emeritus wrote:
jda wrote: the lender was giving out car loans at lower rate than their own CD.
.

They make it up on volume?

I really have no idea, all I can say is Penfed has some great products such as their 5/5 ARM

jda

To me it was a simple decision, free cash is free cash, if someone is paying me to borrow money how can I say no? it''s not free . to get the credit you have to buy the asset at an inflated price. Jewelers have done this for decades. To the dealer I bought from, I was paying cash because I was doin...

jda

To me it was a simple decision, free cash is free cash, if someone is paying me to borrow money how can I say no? it''s not free . to get the credit you have to buy the asset at an inflated price. Jewelers have done this for decades. To the dealer I bought from, I was paying cash because I was doin...

jda

Where would I invest the money in the sinking fund and what interest rate could I get for it? If I can't get > 3% guaranteed for it, then a sinking fund doesn't make sense for my situation. I could set aside $25k for my sinking fund and make say 1% on it. In 5 years, that will grow to $26,275 (even...

jda

Ron wrote:What's a car loan ?

If I can't buy it for cash, I don't buy it...

If you need to get a car loan, you're buying beyond your means, IMHO.

- Ron

5 year car loan @ 1.49%
5 year CD @ 3.04%

Both from Penfed.

jda

1.49% 5 years from PenFed a year ago.

jda

I live in inland San Diego and I think $2500 is plenty for rent. A nice 2 bedroom 1000 sq ft condo inland (near I15) runs about $1500-1600. You can definitely find a nice condo near the coast for below $2500. Our utility bill is averaging about $50/month for a 1 bedroom 700 sq ft which includes gas ...

jda

Granted I am in a much lower cost-of-living area in California than San Diego and I have a fabulous vet who does not try to nickel and dime his clients, but $550 still seems excessive to me. I had an elderly cat that was having issues eating a couple of years ago. She ended up needing to have multi...

jda

Thanks again for all the helpful comments. We went to get a second opinion today and the vet didn't think the gum is that bad that it would affect cat's appetite so we decided to go with more diagnostic test which included blood work ($195) and urine test ($50) instead. Hopefully, we'll figure out w...

jda

RM, thank you very much for taking the time to reply to my post, as a nervous new pet owner, I really appreciate it. I have been to this clinic twice and it seems like they keep the place pretty clean. However, I have only been to the check in area and the exam room, so I have no idea how clean the ...

jda

I'm surprised at these problems at such a young age. Do you use dry food? We feed him dry food (Orijen and Evo) but we adopted him about 6 months ago and at the time his gum was already showing redness. He was also underweight at the time which leads us to believe his previous owner didn't take goo...

jda

We always talked to nearby pet owners to ask who they used for pet teeth cleaning. I suppose it is much easier for dog owners to meet other dog owners while walking their dogs. I have been wanting to walk my cat but the idea got repeatedly shot down by the wife . have you tried brushing the cat's t...

jda

Hi guys, my cat is only 2 year old but his gum is pretty red and has gingivitis according to the vet. The cat has loss appetite lately and has left a lot of broken food pieces around his food bowl which lead us think that his teeth might be bothering him. We got the following quote and I just want t...

jda

Fed is going to print less money through QE by purchasing 75 billion worth of treasury instead of 85 billion hence the increase value of US dollar.

jda

I work for a startup company and have been issued private stock options (Incentive Stock Options) as part of my compensation. They vest over a period of 4 years, which I think is pretty standard. I've worked at this company for a couple of years, so my options are partially vested. I plan to stay w...

jda

bad title, it should be 2013 a bad year for BONDs.

No point cherry picking an active management bond fund when corresponding passive bond funds did just as bad.

jda

boglerocks wrote:
The value of a Bitcoin has nearly tripled since I started this thread.

http://www.cryptocoincharts.info/period ... rket=btc-e

Make that quadrupled.

Quintupled.

Septupled. (Sorry I missed the sextupling.)

Octupled and nontupled.

Nice, so what's the exit strategy?

jda

boglerocks wrote:
The value of a Bitcoin has nearly tripled since I started this thread.

http://www.cryptocoincharts.info/period ... rket=btc-e

Make that quadrupled.

So have you made any purchase since your first post?

jda

I don't get the thought process here at all. Say you are paying $200 a month on your credit card debt. If you take out a 401(k) loan, you will have to pay probably more per month to service the 401(k) loan. It almost reads like you think the 401(k) loan has no payments. Surprise: A payment is taken...

jda

Both Mini And GTI are having new models coming out next year so you might want to wait a bit. If you are Ok with mk6 gti you can get them from Hayward vw in the bay area for 5k off Msrp which means a 2 door base gti starts off at just 20k

http://www.vwhayward.com/VehicleSearchR ... o=27772990

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