Search found 320 matches

by moneywise3
Wed Feb 21, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Considering move to Tulsa, OK
Replies: 21
Views: 2279

Re: Considering move to Tulsa, OK

goblue100 wrote:
Wed Feb 21, 2018 8:26 am
It's similar to the reason why Texas doesn't float off into the Gulf of Mexico. I think. :happy
I still don't get it
by moneywise3
Wed Feb 21, 2018 5:10 am
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 7512

Re: Capital one 360 money market New $500 bonus

gvsucavie03 wrote:
Sat Feb 03, 2018 11:24 pm
From what I understand, Capital One bonuses are once in a lifetime, correct?
That's still true. I got a $50 bonus 13 years ago 😁😁
by moneywise3
Wed Feb 21, 2018 4:03 am
Forum: Personal Finance (Not Investing)
Topic: Considering move to Tulsa, OK
Replies: 21
Views: 2279

Re: Considering move to Tulsa, OK

Olemiss540 wrote:
Tue Feb 20, 2018 8:03 pm
Anyone ever tell you why it is so windy in Oklahoma?
No
by moneywise3
Tue Feb 20, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Considering move to Tulsa, OK
Replies: 21
Views: 2279

Re: Considering move to Tulsa, OK

Thanks for comments, keep 'em coming
by moneywise3
Mon Feb 19, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Considering move to Tulsa, OK
Replies: 21
Views: 2279

Considering move to Tulsa, OK

I have a potential job offer in that area and considering living in Owasso area. I may be commuting 40 minutes to my job, to get great schools, modern housing and shopping/entertainment. Does anyone have insight into Tulsa economy over long term? It might be dependent on oil and gas industry.
by moneywise3
Fri Feb 16, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 133
Views: 9492

Re: What big item (>20k) are you saving up for?

A new family van
A new home
by moneywise3
Fri Feb 09, 2018 4:04 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Discuss Starting Time when You Get a Job Offer
Replies: 29
Views: 2152

Re: How Do You Discuss Starting Time when You Get a Job Offer

Be conservative. Start with 8-5. Understand the company culture first. Gauge how much they'd be flexible for you. Then ask for something reasonable. Don't go in as a special case.
by moneywise3
Fri Feb 09, 2018 3:58 am
Forum: Investing - Help with Personal Investments
Topic: Newbie/novice needs advice on what to do during correction
Replies: 17
Views: 1503

Re: Newbie/novice needs advice on what to do during correction

The biggest step to take at this time is not to take any step different from your AA , IPS and rebalance strategy.
by moneywise3
Fri Feb 09, 2018 3:55 am
Forum: Investing - Theory, News & General
Topic: Does this strategy make sense in a falling market?
Replies: 19
Views: 2177

Re: Does this strategy make sense in a falling market?

I actually know people that used this strategy with Lucent stock in early 2000's. They bought more at every dip, thus lowering their average purchase price. It was a single stock though that never recovered. They used to think since they lived in the vicinity of the facility, they were more likely t...
by moneywise3
Fri Feb 09, 2018 3:50 am
Forum: Investing - Theory, News & General
Topic: Does this strategy make sense in a falling market?
Replies: 19
Views: 2177

Re: Does this strategy make sense in a falling market?

How is it not market timing? It smacks everything of market timing. You can market-time, if you believe you know its behavior.
by moneywise3
Wed Feb 07, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Philadelphia and Pittsburgh local taxes
Replies: 12
Views: 872

Re: Philadelphia and Pittsburgh local taxes

I believe only Philadelphia county area is taxed. If you are in suburbs, which is most of Philly, you aren't taxed.
by moneywise3
Thu Jan 18, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 7692

Re: Short Commute or Nicer House?

What city is it
by moneywise3
Thu Jan 11, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: Hedge Funds' Annualized Returns
Replies: 7
Views: 719

Re: Hedge Funds' Annualized Returns

Subtract the fees and tax ramifications. And look at long term performance, not a few select years
by moneywise3
Thu Jan 11, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1319

Re: Diminished value claim - small claims court

I have handled diminished value claims for a major carrier and can tell you that the insurance company is often less than proactive at bringing these claims to a conclusion. I would ask for the claim handler's supervisor first to try to move this claim along. There are specific laws in each state r...
by moneywise3
Thu Jan 11, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1319

Re: Diminished value claim - small claims court

OK - what if we turn the situation around and suppose this does not involve insurance. You do damage to my car and it is your fault. Complete repair of the damage costs $1,000 -- BUT I (legitimately) claim my car now has "diminished value" (after the repair) of $2,000. In addition to having paid th...
by moneywise3
Wed Jan 10, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1319

Re: Diminished value claim - small claims court

dm200 wrote:
Wed Jan 10, 2018 1:30 pm
Why do you believe that a 100% repaired car has significant "diminished value"? How much are you claiming?

How much will or might it cost you in legal costs if you do not win?
Exactly the reason described by jabberwock
by moneywise3
Wed Jan 10, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1319

Re: Diminished value claim - small claims court

When our car was significantly damaged by another driver, the insurance company was prompt with repairs and cut the check without any signed release. I claimed diminished value, which they denied. I obtained an independent appraisal, and sent a demand letter for the amount to the claims handler via...
by moneywise3
Wed Jan 10, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 12393

Re: Is it time for me to "call in rich"?

Yes you can easily do it. It’s an enviable position to be in.
by moneywise3
Wed Jan 10, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1319

Re: Diminished value claim - small claims court

Thank you for the responses. Keep them coming.
by moneywise3
Tue Jan 09, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1319

Diminished value claim - small claims court

I was recently rear ended in FL. The other party was determined to be at fault and has State Farm insurance. State farm was prompt in assessing the damage and paying an estimated amount. Then I claimed a diminished value and that's when they stopped responding. My claim amount is very reasonable and...
by moneywise3
Sun Dec 31, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Target Net Worth
Replies: 39
Views: 4617

Re: Target Net Worth

$20M in today's dollars in about 20 years.
Expect my NW to increase exponentially from this point onwards.
by moneywise3
Sat Dec 16, 2017 11:11 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 23928

Re: 2nd million is easier!

For me it looks something like this: Starting in 1993: 8 years $500k - 2001 10 years $1 million - 2004 12 years $2 million - 2006 17 years $5 million - 2010 21 years $10 million - 2014 24 years $15 million - 2017 In the past 12 months I added over $2.3 million to my net worth, approximately half of...
by moneywise3
Fri Dec 15, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Is a Year on the JOb too Soon to Ask For a Promotion?
Replies: 24
Views: 2064

Re: Is a Year on the JOb too Soon to Ask For a Promotion?

How’s the company doing financially? Are there any precedents? Does 2 levels upper management consider you a star? What’s your replaceability factor?
by moneywise3
Fri Dec 15, 2017 9:33 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 23928

Re: 2nd million is easier!

Happy for you. So you contributed 300-350k of new funds in last 46 months? Can’t be retirement accounts. Your income must be super high $500k- 1M a year?
by moneywise3
Wed Dec 13, 2017 3:46 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 210
Views: 23905

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

Didn’t Warren Buffet say at one point the same thing about tech stocks?
by moneywise3
Sat Oct 28, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Any FL residents with a dash-cam?
Replies: 13
Views: 1849

Re: Any FL residents with a dash-cam?

Thank you :D :D :D
by moneywise3
Fri Oct 27, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Any FL residents with a dash-cam?
Replies: 13
Views: 1849

Re: Any FL residents with a dash-cam?

What is the use for a dash cam?
by moneywise3
Wed Oct 25, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: OP UPDATE:Getting Rid of Google Search Result??
Replies: 37
Views: 6763

Re: OP UPDATE:Getting Rid of Google Search Result??

I found by DOB listed on mylife.com. Not sure where they got it from but I want it gone. It seems you have to buy their membership to get it removed. Who knows how many more sites has it proliferated to. Any ideas on how to resolve it?
by moneywise3
Mon Oct 23, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Where to place extra cash on hand
Replies: 8
Views: 1055

Re: Where to place extra cash on hand

Try a high yield savings account like Cap One 360 till you figure exactly what you want.
by moneywise3
Tue Oct 17, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 6445

Re: What do you buy in Asian food stores?

I don't recommend buying at Asian stores. No traceability for where the stuff came from, how old it is, or how trustworthy the labels are. I travel extensively and eat local food. I am more concerned about the additives in the labeled food. Victoria Eating local while you are in Asia is different f...
by moneywise3
Tue Oct 17, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 6445

Re: What do you buy in Asian food stores?

I don't recommend buying at Asian stores. No traceability for where the stuff came from, how old it is, or how trustworthy the labels are.
by moneywise3
Tue Oct 17, 2017 12:30 am
Forum: Investing - Theory, News & General
Topic: When everything goes up, what goes down & vice versa
Replies: 28
Views: 3455

Re: When everything goes up, what goes down & vice versa

Everything goes up... but in what timeframe? Over what period? Did you include inflation?
by moneywise3
Wed Oct 11, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 4047

Re: SUV options with 3 little kids

Acura MDX
by moneywise3
Fri Oct 06, 2017 12:22 am
Forum: Personal Consumer Issues
Topic: Best places to retire in 2018
Replies: 4
Views: 1445

Re: Best places to retire in 2018

I have no faith in these lists. Sometimes a place vanishes from the list after being the best the previous year. How much can a place change over a year😀😀
by moneywise3
Fri Oct 06, 2017 12:10 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 10807

Re: Buy on Really Bad Days, Sell on Really Good Days?

Go back to the basics: you can't time the market. Plus that much trading generates taxable events. Time and anxiety???
by moneywise3
Fri Oct 06, 2017 12:07 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 4634

Re: How do you value your time?

If it is affecting your love life, then no amount of money is worth it.
by moneywise3
Tue Oct 03, 2017 12:15 am
Forum: Investing - Theory, News & General
Topic: $10 million+ - Still Working and LBYM
Replies: 162
Views: 18307

Re: $10 million+ - Still Working and LBYM

You have humbled me today, Sir. 🙏🙏🙏🙏
by moneywise3
Sun Sep 10, 2017 2:11 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 7701

Re: Luxury car: perception vs reality

I had a friend recently boast that in his 20 years of life since graduating college, he's spent $40k TOTAL on cars - including maintenance. He may have owned about 2 new and 2 used cars. My guess is about 15k each for new and under 5k each for used. He's not a mechanic type either. My guess is his N...
by moneywise3
Fri Aug 25, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is Geico a bait and switcher?
Replies: 32
Views: 5603

Re: Is Geico a bait and switcher?

Have been with Geico for 15 years. They have raised premiums every single renewal. Zero claims. I am losing trust in them.
by moneywise3
Sat Aug 12, 2017 6:06 am
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 107
Views: 20306

Re: Best place (with warm weather) to raise children

Dendritic Tree wrote:Asheville, NC is a mountain paradise and has excellent public schools.
Asheville is no warm weather. You can get 5 deg warmer in Greenville SC.
by moneywise3
Sat Aug 12, 2017 12:33 am
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 107
Views: 20306

Re: Best place (with warm weather) to raise children

abuss368 wrote:Tampa, Clearwater, or Sarasota Florida.
There are no hills though. Just some rivers filled with gators.
by moneywise3
Fri Aug 11, 2017 3:02 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 7580

Re: What Percentage CASH are you?

About 37%, not including bonds. That includes emergency fund and down payment for the house. My target AA calls for 20% cash and 15% bonds. Sounds high?
by moneywise3
Sat Jul 15, 2017 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from TRP healthcare to Vanguard healthcare we
Replies: 6
Views: 626

Moving from TRP healthcare to Vanguard healthcare we

We have some funds in a Roth with TRP. We want to keep it in the healthcare sector fund but move to Vanguard. This would be easier to manage and lower ER 0.77 vs 0.34. Is there reason to believe TRP might do better than Vanguard in this case? Most of our portfolio is in index funds at Vanguard or wh...
by moneywise3
Thu Jul 06, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: What is a "sleeve"?
Replies: 34
Views: 3961

Re: What is a "sleeve"?

Watty wrote:This is a family friendly site but sleeve is slang for a condom.

I won't go any farther in explaining what "end sleeve" might refer to.
Most of non-index investing is financial porn anyway :)
by moneywise3
Wed Jun 28, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Moving from STAR fund to Balanced fund (VBIAX)
Replies: 4
Views: 759

Re: Moving from STAR fund to Balanced fund (VBIAX)

Thank you. I will strongly consider LifeStrategy Moderate.
by moneywise3
Tue Jun 27, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from STAR fund to Balanced fund (VBIAX)
Replies: 4
Views: 759

Moving from STAR fund to Balanced fund (VBIAX)

I had started an ESA with Vanguard and picked STAR fund (VGSTX) due to its low minimum. For a while the underlying 11 actively managed funds gave me some excitement. Overall STAR has 60% stocks and 40% bonds. Now the expense ratio (0.32) is starting to bother me. I looked for alternatives and found ...
by moneywise3
Tue Jun 27, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 10150

Re: Middle age job blues

This post is scary. Are there any positive stories from people in similar situation? I don't know what a positive story would look like. But something like, I never got laid off, organizations considered me a real asset over younglings, I found many employers willing to hire me, I found so many othe...
by moneywise3
Mon Jun 26, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 4861

Re: Things to do in Iowa/Nebraska

Back in 2000, we had a great time with friends visiting Nebraska. Omaha was awesome with the zoo, aquarium et al. Those were the days without internet, and exploring places was a different kind of fun. I have great memories, and highly recommend it.