Search found 426 matches

by kd2008
Tue Jun 28, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 123
Views: 7318

Re: Your shopping strategy for new tires?

discount tire direct Fourth of July sale is on I could get a set of tires for $83 after rebates (plus installation), if I needed them right now. Good tires too - Cooper CS5 ^that's $83 for FOUR tires. Costco can't touch that price, TireRack can't, WalMart can't, ... What tire size? http://www.disco...
by kd2008
Fri Jun 24, 2016 6:42 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 10442

Re: International stocks in free fall

Rotated from VTIAX to VFWAX in Jan to book losses. I rotated back in VTIAX last week and bought another 10K. :oops:

I am thinking of buying some more, but oh boy, those unrealized short term losses are going to sting for a while. I can't sell until mid August to keep my dividends qualified.
by kd2008
Thu Jun 16, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Top 9"+ Tablets for cheap
Replies: 17
Views: 1849

Re: Top 9"+ Tablets for cheap

If you are in market for a new 8" tablet checkout 16GB LG G Pad X 8.0 WiFi + 4G LTE Tablet - it is a decent midlevel tablet released 2 weeks ago. It is free after mail in rebate. http://www.t-mobile.com/internet-devices/lg-g-pad-x-80.html Need to sign installment plan $10/month w/ credit check ...
by kd2008
Wed Jun 08, 2016 1:14 pm
Forum: Investing - Theory, News & General
Topic: 401k(s) are not the best way to save for retirement?
Replies: 57
Views: 6307

Re: 401k(s) are not the best way to save for retirement?

Most comprehensive posts you want to read and understand are the ones below, everything else, I mean everything is hot gas and baloney! https://thefinancebuff.com/case-against-roth-401k.html https://thefinancebuff.com/roth-401k-for-people-who-contribute-max.html https://www.bogleheads.org/forum/view...
by kd2008
Fri Jun 03, 2016 12:07 pm
Forum: Investing - Theory, News & General
Topic: International stocks underperformed for the last 20 years.
Replies: 135
Views: 9949

Re: International stocks underperformed for the last 20 years.

This is what a growth chart looks like from Portfolio Visualizer for someone who invested $10,000 each year over the past 20 years http://i64.tinypic.com/ofyja.png Portfolio 1 100% Total Stock Market VTSMX Portfolio 2 80% / 20% Total International VGTSX Portfolio 3 50%/50% Thanks for the visual - t...
by kd2008
Fri Jun 03, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement and opportunity cost, by Harry Sit
Replies: 144
Views: 12104

Re: Early retirement and opportunity cost, by Harry Sit

When I have what I need to sustain the lifestyle I want then that is it for me. And when you don't? Should you settle with what you have and take time over money as you say you would any day? Harry, your article has been extremely thought provoking. Thank you for sharing it with us. Nearly everyone...
by kd2008
Sat May 28, 2016 6:57 am
Forum: Personal Consumer Issues
Topic: Traveling through Albuquerque - safe to stop?
Replies: 50
Views: 4893

Re: Traveling through Albuquerque - safe to stop?

Say what now? Is this a bad joke? ABQ is like any other city in the US. Yes, there may be crime but it is an awesome city.
by kd2008
Mon May 23, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard advisor at 0.03% [actually 0.3%]
Replies: 53
Views: 8335

Re: Vanguard advisor at 0.03%

I am currently undergoing the consultation process. PAS is a high level service that is really robo-driven with the ability to talk to a real person. They do not offer to check my blind spots - am I adequately insured, do I have beneficiary designations and other things done right, how much would T...
by kd2008
Tue May 10, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: More House or More Investing?
Replies: 25
Views: 2767

Re: More House or More Investing?

I concur with posters pointing out that bigger house when both of you are working means more maintenance and less enjoyment. Simply because we have finite time and money at our disposal. Have a look at http://thefinancebuff.com/looking-at-the-big-financial-picture.html http://thefinancebuff.com/life...
by kd2008
Tue May 10, 2016 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard advisor at 0.03% [actually 0.3%]
Replies: 53
Views: 8335

Re: Vanguard advisor at 0.03%

I am currently undergoing the consultation process. PAS is a high level service that is really robo-driven with the ability to talk to a real person. They do not offer to check my blind spots - am I adequately insured, do I have beneficiary designations and other things done right, how much would TL...
by kd2008
Mon May 02, 2016 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Revisiting “Could I retire…. next week?” two years later
Replies: 12
Views: 3694

Re: Revisiting “Could I retire…. next week?” two years later

Hi Dwayne, I am way inexperienced and too junior to offer advice. But here are my answers: Would I be unwise to allow myself to spend $80,000 yearly? No. You can spend that amount. Just remember to account for taxes. With my desire to take approximately $100,000 out of my portfolio for use in moving...
by kd2008
Fri Apr 08, 2016 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Transferring large sums to Indian NRI account for Fixed Deposit
Replies: 26
Views: 1758

Re: Transferring large sums to Indian NRI account for Fixed Deposit

I have FCNR deposits in India so I can speak about this a bit. Do not chase NRE interest rates. You are doing many mistakes: 0. Wiring dollars to India. Pay commission. 1. Converting dollars into rupees. Pay exchange rate costs. 2. Earning interest in Indian rupees. If it is a NRE FD no tax on inter...
by kd2008
Thu Mar 31, 2016 12:22 pm
Forum: Personal Consumer Issues
Topic: Car totaled in hail storm. Seeking advice to keep or total out
Replies: 15
Views: 980

Re: Car totaled in hail storm. Seeking advice to keep or total out

Is $7800 > ($3200 + hailed damaged car as-is today)? If yes, total it. If no, keep it. Your supposed plan to trade-in in two years or its value in two years etc is not relevant to this transaction. Once you have made the decision to the question in first line, and you end up with a car, you then hav...
by kd2008
Thu Mar 31, 2016 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 11291

Re: Financially, how have you done/doing vs. your parents?

Pardon me, but I do not get these stories. Correct me if I am wrong: Does the title of the question imply this? If your parents were financially X in relation to their cohorts, are you greater than X (appropriately adjusted to now) in relation to your cohorts. I do not understand the point of saying...
by kd2008
Wed Dec 02, 2015 6:05 pm
Forum: Personal Consumer Issues
Topic: Boglehead cell phone strategy
Replies: 143
Views: 17212

Re: Boglehead cell phone strategy

Do you need to use that actual phone on AT&T service or can you use a different phone? My wife has cricket now and will probably do this for the upgrade. I would port my # from page plus to AT&T for the service.. would I be able to: 1) Unlock this phone 2) Use the SIM from this phone in her...
by kd2008
Tue Nov 24, 2015 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Umbrella- Almost Too Good to be True
Replies: 36
Views: 4765

Re: GEICO Umbrella- Almost Too Good to be True

OP, what state are you in? I have auto, condo & umbrella with GEICO and I do not get bundling discount for umbrella, just for condo.
by kd2008
Fri Nov 20, 2015 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please! [2015 Edition]
Replies: 4
Views: 653

Re: Portfolio review please! [2015 Edition]

Thank you Dulocracy for your kind words. It was quite a path to get here. Retiredjg, thank you for your wisdom. Last time I tax loss harvested was in 2011 and I pretty much made up my mind that it was not my thing. I rather funnel more money in when markets are down. But I know I cannot be too certa...
by kd2008
Fri Nov 20, 2015 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please! [2015 Edition]
Replies: 4
Views: 653

Portfolio review please! [2015 Edition]

Thank you all for your great advice in the past that has enabled me to get a solid start. Emergency funds = 10 months worth of expenses not included in asset allocation below Debt: Mortgage paid off. Car: 2.7K@ 0% for 9 mon.remaining Tax Filing Status: Single Tax Rate: Federal-25%, State-5.25% Age: ...
by kd2008
Sat Oct 24, 2015 5:24 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Bungled by Lender
Replies: 29
Views: 3657

Re: Mortgage Payoff Bungled by Lender

Contact CFPB at http://www.consumerfinance.gov/complaint/ with your complaint and proof. All will be sorted out much quicker than any other avenue.
by kd2008
Fri Oct 23, 2015 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: What are your 2 retirement numbers?
Replies: 260
Views: 28121

Re: What are your 2 retirement numbers?

All these posts brought a wry smile to my face. I am an engineer and a numbers guy. Few years back I wanted to know what was my number for retirement. I was disappointed to learn it involved all kinds of assumptions about future. That was when I had my aha moment. I was ok with an uncertain future a...
by kd2008
Wed Oct 21, 2015 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Hotel Loyalty clubs
Replies: 16
Views: 1727

Re: Hotel Loyalty clubs

Once you decide on your choice of program, have a plan to burn the accumulated points in the same year or next year. Every 2-3 years these loyalty programs change and get devalued. I have seen folks sit on couple of million points only to see that their value diminish by half overnight. Instead of t...
by kd2008
Fri Sep 18, 2015 11:38 am
Forum: Personal Finance (Not Investing)
Topic: If You Have Savings In Your 20s, You’re Doing Something Wrong [article]
Replies: 148
Views: 14010

Re: If You Have Savings In Your 20s, You’re Doing Something Wrong [article]

I believe the author conflates many different issues: (a) saving money in your 20s, (b) networking and getting ahead in your career, and (c) spending money. Author believes there is a direct relationship between these things. I believe there is not and moreover, sheer luck, as in the socioeconomic s...
by kd2008
Fri Jul 10, 2015 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Changes in 401k funds lineup, help please!
Replies: 6
Views: 755

Re: Changes in 401k funds lineup, help please!

OK so finally things changed over... From: 28.2% BlackRock S&P 500 Index Fund BSPIX 0.12 14.8% JP Morgan Core bond fund Load waived A class (PGBOX.lw 0.76%, tracks Barclays US aggregate bond index closely) To: 28.2% Vanguard 500 Index Admiral VFIAX 0.05 14.8% JPMorgan Core Bond R6 JCBUX 0.35 Of ...
by kd2008
Tue Jul 07, 2015 4:11 am
Forum: Investing - Theory, News & General
Topic: VTIAX price drop discrepency
Replies: 20
Views: 1883

Re: VTIAX price drop discrepency

Bought $14K of VTIAX yesterday in my Vanguard taxable account. Vanguard gave $26.63 as the price per share. I hope it is correct. Please let me know if it is not & I will call them.
by kd2008
Tue Jun 30, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: What do you do to reduce your "need" expenses?
Replies: 27
Views: 2115

Re: What do you do to reduce your "need" expenses?

Don't forget what you earn also has a role to play. Design a lifestyle that is in sum balanced. Reducing needs in vacuum would not add anything to quality of life. Have a look at this lifestyle design series from The Finance Buff: http://thefinancebuff.com/tag/lifestyle-design http://thefinancebuff....
by kd2008
Sat May 16, 2015 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Changes in 401k funds lineup, help please!
Replies: 6
Views: 755

Re: Changes in 401k funds lineup, help please!

Thank you retiredjg! I appreciate your feedback. I will do what is easy - do nothing and let funds swap out. It is good to know that Total international is placed ok. I thought that 100% qualified dividends of Total Stock Market fund provided more tax benefit vs the 75% qualified dividends of Total ...
by kd2008
Fri May 15, 2015 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Changes in 401k funds lineup, help please!
Replies: 6
Views: 755

Re: Changes in 401k funds lineup, help please!

You may want to check this out: http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement I'm surprised they didn't give you a Vanguard bond fund in that mix. Also, just out of curiosity, did you mean the change is effective in 2015 instead of 2016? If I were you I'd keep your inter...
by kd2008
Fri May 15, 2015 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Changes in 401k funds lineup, help please!
Replies: 6
Views: 755

Changes in 401k funds lineup, help please!

My earlier portfolio was listed here: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=128518&p=1888493#p1887904 Emergency funds = 12+ months worth of expenses not included in asset allocation below Debt: Mortgage paid off. Car: 4.5K@ 0% for 15 mon.remaining Tax Filing Status: Single Tax...
by kd2008
Mon Mar 09, 2015 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Increased travel for work - how would you approach this?
Replies: 15
Views: 1269

Re: Increased travel for work - how would you approach this?

Sorry to revive this old thread. But I need serious advice now. At my annual review in Jan, I did bring up lack of additional compensation for the increased travel. It was met with customary acknowledgment but nothing else. Next week after my review, the opportunity dried up. So all went away from t...
by kd2008
Fri Feb 13, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Provider
Replies: 22
Views: 1991

Re: Cell Phone Provider

+1 for Cricket Wireless. $35 on autopay for unlimited talk & text w/ 2.5 GB high speed data (8 MB/s on LTE) and then unlimited low-speed data.
by kd2008
Tue Feb 03, 2015 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: $36,000 Net Budget
Replies: 22
Views: 4093

Re: $36,000 Net Budget

33, single, male

$1,864 Total per month (Spends way too much!)

About a quarter of post-tax pay
Retirement savings about 16x of annual spending

Edit: removed details
by kd2008
Wed Jan 14, 2015 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Expense Ratios Comparison Total Stock 2008 vs. 2013
Replies: 9
Views: 929

Re: Expense Ratios Comparison Total Stock 2008 vs. 2013

Amazing job! I highly appreciate it. I wonder why Management and admin fees have scaled up a bit for investor class shares. 2008: $59 MM/ $74.5 MM = 79.2% 2013: $135.5 MM/ $154 MM = 88% It is opposite for admiral class shares Anyways these are insanely low costs when compared to AUM so not bothered ...
by kd2008
Wed Jan 14, 2015 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Increased travel for work - how would you approach this?
Replies: 15
Views: 1269

Re: Increased travel for work - how would you approach this?

As for taking your issue several levels higher, be very careful. If it looks like you are complaining and it gets back to your immediate supervisor it could be viewed as "having gone over their head". No manager is ever happy with that and many have long memories when it comes to those so...
by kd2008
Wed Jan 14, 2015 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Increased travel for work - how would you approach this?
Replies: 15
Views: 1269

Re: Increased travel for work - how would you approach this?

I appreciate the quick feedback. Does the new, travel-intensive, gig carry with it better positioning for future advancement? How much impact on personal life is 25% travel for you? the ratio of those two factors (among others) would determine how much I pursued the pay issue In my opinion it does n...
by kd2008
Wed Jan 14, 2015 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Increased travel for work - how would you approach this?
Replies: 15
Views: 1269

Re: Increased travel for work - how would you approach this?

I was asked about this gig last year and I said yes. Then the news of raises came and it was disappointing and no consideration for increased travel was included. This surprised me. When you agreed to the increased travel, was there any mention of a raise? No. There was no discussion on this topic.
by kd2008
Wed Jan 14, 2015 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Increased travel for work - how would you approach this?
Replies: 15
Views: 1269

Increased travel for work - how would you approach this?

So I used to have less than 2 weeks of travel per year. Starting this year it will go to 25%+. I was asked about this gig last year and I said yes. It is mostly to a sunny coastal destination. Then the news of raises came and it was disappointing and no consideration for increased travel was include...
by kd2008
Tue Dec 16, 2014 10:40 am
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 102
Views: 9939

Re: What are your 2015 Financial Goals?

1. Max out 401k (automatic) 2. Max out Roth IRA(manual) 3. Taxable investing $30K (manual) 4. Control expenses to the overall budget - never been a problem, but individual categories never end up as planned - few overshoot and few come under budget 5. To accomplish #4, control food expenses by eatin...
by kd2008
Sat Dec 06, 2014 8:58 am
Forum: Personal Consumer Issues
Topic: Diminished value claim - supporting documents
Replies: 1
Views: 462

Diminished value claim - supporting documents

My car was side swiped. The other party was found liable and paid for all the damages, about $4K on my car. Both parties have same insurance companies. I was also sent paper work to file a diminished value claim. It involves signing an affidavit saying I am satisfied with the repairs and sending any...
by kd2008
Sun Nov 23, 2014 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 6681

Re: How should wife counter salary offer within current co.?

Negotiating salary with HR is talking to a tree. I have never done that. I have negotiated my salary with my boss' boss. That's how far I am willing to push. Everybody is aware that I can raise my hand and will get hired somewhere else. OP may want to search my old posts about negotiating raise with...
by kd2008
Fri Oct 24, 2014 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 11964

Re: Apple Pay, Google Wallet, credit, and us

Be aware of spending limits. Google wallet has them. I do not know of Apple pay.
by kd2008
Fri Oct 17, 2014 2:55 pm
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 12439

Re: Smartphone questions

The Samsung Galaxy S3 runs closer to $120 or so, and is pretty good. A tiny bit sluggish, but much faster than Nexus S. The Nexus 5 is fast and responsive, new at $350. I'd still recommend that as the #1 phone for the dollar (the Nexus 6 is too big in my opinion). In my opinion, I'd get anything 1....
by kd2008
Wed Oct 15, 2014 4:02 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 400
Views: 72089

Re: "Vanguard converting mutual fund accounts to brokerage?

Brokerage accounts receive their tax forms fairly late while Vanguard mutual fund accounts are usually in by end of Jan (as long as no REITs are involved). Would the account upgrade affect this and if so how? Would the upgraded "brokerage" account that only has mutual funds receive its tax...
by kd2008
Wed Oct 15, 2014 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Index usage error in Mortgage Document.
Replies: 13
Views: 953

Re: Index usage error in Mortgage Document.

I would post my complaint here: http://www.consumerfinance.gov/complaint/ I have had excellent experience with companies I had issues with once they were notified that I had complained to CFPB. Even if they did not end up resolving the issue to my satisfaction, they always admitted mistake or error ...
by kd2008
Thu Oct 02, 2014 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Had a bad experience with Amica
Replies: 25
Views: 2832

Re: Had a bad experience with Amica

there must be more to the story for the denial. i have galvanized plumbing/pipes (not all pipes, but the main outlet pipe is) in an early 1900's home and Amica insures me. granted, they have increased premiums ~4-5% 2 years running, but it started so low and at least they keep upping the dwelling/r...
by kd2008
Thu Oct 02, 2014 12:47 pm
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 51
Views: 8122

Re: Supreme Court to hear fiduciary duty/high cost funds cas

This a brief description of the case: http://www.scotusblog.com/2014/09/u-s-urges-review-of-investment-cases/ The Tibble case involves a dispute over the choice of investments available to some 20,000 participants in a California defined-contribution plan created by Edison International, an electric...
by kd2008
Thu Oct 02, 2014 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Had a bad experience with Amica
Replies: 25
Views: 2832

Re: Had a bad experience with Amica

This discussion is reminding me of same exclusionary talk when folks on this board with admiral class funds were upset with Vanguard when it decided to lower the admission threshold for admiral class shares on funds. Insurance companies are regulated entities. While home insurance is not a guarantee...
by kd2008
Wed Oct 01, 2014 10:05 pm
Forum: Personal Consumer Issues
Topic: PrePaid Cell Phone Plan (2.5 weeks to determine and align )
Replies: 8
Views: 1162

Re: PrePaid Cell Phone Plan (2.5 weeks to determine and alig

Please see this recent thread: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=147467 http://tinyurl.com/ATTMVNOSLTE gives a comparison but it is tailored towards those looking for prepaid AT&T access with LTE data. Cricket Wireless was recently acquired by AT&T and now share exact ...
by kd2008
Wed Oct 01, 2014 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Fairholme Fund (FAIRX) down 9.6% today
Replies: 5
Views: 990

Re: Fairholme Fund (FAIRX) down 9.6% today

Did it declare a dividend distribution? May be ST & LT cap gains too?
by kd2008
Wed Oct 01, 2014 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Had a bad experience with Amica
Replies: 25
Views: 2832

Had a bad experience with Amica

After hearing wonderful things about Amica on this forum and in Consumer reports, I was helping a friend switch his home insurance to Amica. They quoted a policy that was $600 cheaper annually for the exact same coverage as the current one. It was then sent to the underwriters and two days later muc...
by kd2008
Wed Oct 01, 2014 10:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard website almost nonresponsive?
Replies: 11
Views: 739

Re: Vanguard website almost nonresponsive?

I just placed an order. No issues.

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