Search found 114 matches

by rebellovw
Sat Jun 24, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 56
Views: 4045

Re: How does Fidelity makes money, if I own all Vanguard funds or ETFs

Silverado wrote:
rebellovw wrote:How do credit card companies make money when they offer 2% cash back and you always pay your full bill - meaning no interest?


Um, not the same scenario at all


Um - sure it is - they both make money off of others. triceratop said it above perfectly.
by rebellovw
Sat Jun 24, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 56
Views: 4045

Re: How does Fidelity makes money, if I own all Vanguard funds or ETFs

Lieutenant.Columbo wrote:
LiveSimple wrote:if I have Fidelity account, how does, Fidelity, makes money when I hold all Vanguard funds and ETFs
why do you have your Vanguard holdings at Fidelity?


Why not? I only have a fidelity account and I have VII, VTI, VOO and a couple of others - along with Fidelity equivalents.
by rebellovw
Sat Jun 24, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 56
Views: 4045

Re: How does Fidelity makes money, if I own all Vanguard funds or ETFs

How do credit card companies make money when they offer 2% cash back and you always pay your full bill - meaning no interest?
by rebellovw
Tue Jun 20, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 2938

Re: Liability with dogs, hypothetical

Yeahh - ok - I'm going to call my insurance everytime something comes up that they didn't ask about. Hey insurance - I'm going to go out to dinner tonight - I might have a drink perhaps two - FYI! Hey insurance - I'm going to use this rented chainsaw to trim a tree or this nail gun - FYI! If you le...
by rebellovw
Tue Jun 20, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 2938

Re: Liability with dogs, hypothetical

Invisible fences might not be foolproof, but other than initial issues with a Beagle, we've had 15 years of keeping our dogs where they belonged. We have LOADS of prey going by, all the time, but the dogs don't cross the line. Yeah, that's all great until your dog crosses the line. It happens. Past...
by rebellovw
Tue Jun 20, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 2938

Re: Liability with dogs, hypothetical

mhalley wrote:Maybe instead of a no trespassing sign, a beware of the dog sign?


Don't put up any beware of dog signs as that implies the dog is something to be worried about. Keep they signs like - stay off property - private property - no tresspassing.
by rebellovw
Tue Jun 20, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 2938

Re: Liability with dogs, hypothetical

Wonderful and loving dogs. Get yourself a real fence - don't trust the electrical fence as it could easily go down.
by rebellovw
Tue Jun 20, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 7655

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

They have increased the rate in my savings Im hoping they will increase this as well. Likely nothing needs to be done.
by rebellovw
Mon Jun 19, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3724

Re: Want to downsize, see "to do" list. What to tackle first?

Check out Zillow and the other popular Realestate sites and get the best reviewed realtor you can find and try and hire them. They should be able to tell you want needs to be done and in what order to sell your house fast and for a great price. Don't try to figure it out yourself - you will likely c...
by rebellovw
Sun Jun 18, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 75
Views: 2811

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Also the seller lowered the price - and can continue to lower the price to attract a second buyer - they have time since they know you are interested - once they get another offer - they will be in a better position.
by rebellovw
Sun Jun 18, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 75
Views: 2811

Re: Negotiating a House Using Seller's Agent (opinions wanted)

No it isn't. The market price is the price that a seller and a buyer agree to a transaction - that they have no other buyers appearing for that price tells you it is not the market price (not any more than the buyers offer is anyway). I think you're searching too hard for semantics while missing th...
by rebellovw
Sun Jun 18, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 75
Views: 2811

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Out of curiosity - what is the zestimate for the house?

Also -what was the avg house price for that area when they bought the house - and what is that average now?
by rebellovw
Sun Jun 18, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 75
Views: 2811

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Really no opinion necessary and who cares about what is going on behind the scenes. They are free to dump that realtor anytime. You can also go with a different realtor but so far seems like as a buyer you have the power. All you can do is be patient and wait or up your offer. As sellers they are th...
by rebellovw
Sat Jun 17, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 51
Views: 3912

Re: Poaching chicken

Sounds god awful - especially made by a vegan. Just go to KFC and play ignorant.
by rebellovw
Fri Jun 16, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 10317

Re: Amazon Buys Whole Foods

Our WF closed its doors here in Prescott AZ. I'm not sure how this is good.
by rebellovw
Wed Jun 14, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 3712

Re: Best Cheap Champagne

Andre
by rebellovw
Wed Jun 14, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: To buy or not to buy and move?
Replies: 19
Views: 1383

Re: To buy or not to buy and move?

I was thinking about this post on the way to the dentist today. Besides the financial aspect - this will be a change of life - which could be great. Do you envision being part of your son/daughters family to the point you will likely see them every day - eat together often - basically live as a larg...
by rebellovw
Wed Jun 14, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Solar Tax Trick or Scam
Replies: 9
Views: 1370

Re: Solar Tax Trick or Scam

DaftInvestor wrote:Anytime you hear "I need a yes or no right now" you can bet on it being a scam.


Reminds of a "Better call Saul" episode
by rebellovw
Wed Jun 14, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 18k in Cash?
Replies: 19
Views: 1568

Re: What to do with 18k in Cash?

I wouldn't pay off a 1.25% loan any faster than I have to. Keeping the loan has a positive expectation due to inflation. I'm no expert - but I agree with this. The car payments are in with the other expenses - probably low and if payed off - (I know in our case if we were younger) would likely go t...
by rebellovw
Wed Jun 14, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Deck replacement- Composite material recommendations
Replies: 22
Views: 1984

Re: Deck replacement- Composite material recommendations

I'm going with Trex on my new large deck due to recommendations from my Contractor - he says they have the best warranty and that one of his customers had a deck issue (here in AZ) that Trex was going to replace until they found out it wasn't Trex - that customer was out of luck. I'm sticking with T...
by rebellovw
Tue Jun 13, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Resorts outside San Francisco
Replies: 20
Views: 1712

Re: Resorts outside San Francisco

Traffic between SF and Tahoe for 4th of July is bad. I'd hate to do it with a 2 yo. If you do it, try to time the drive so that you're not going when everyone else will be. That said, Tahoe would be my first choice followed by Carmel. I don't know specific resorts. Traveling in the Bay Area on the ...
by rebellovw
Sat Jun 10, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: Friday's Dow Jones Industrial +89.44
Replies: 24
Views: 2353

Re: Friday's Dow Jones Industrial +89.44

I wonder if all the ones that sold like crazy are going to start buying next week at a discount.
by rebellovw
Thu Jun 08, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Buying a house for the 1st time - what should I look out for?
Replies: 22
Views: 1435

Re: Buying a house for the 1st time - what should I look out for?

Typically when your offer is accepted - you then go the route of inspections. You have a general inspection by someone who routinely does that and is known to be good at it - they might come back and say there are termites possibly - you then go on to pay for a pest inspection or likewise roof inspe...
by rebellovw
Wed Jun 07, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Black and white laser printers
Replies: 43
Views: 2210

Re: Black and white laser printers

Yep - the model I have 'Brother HL-L2380DW' has a scanner on top - I've scanned many pages for expense reports etc - works like a champ. My old printer had a feed which could scan many pages at once - but that never worked and always jammed. My model also doesn't have a FAX - which I thought might b...
by rebellovw
Wed Jun 07, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Black and white laser printers
Replies: 43
Views: 2210

Re: Black and white laser printers

Brother HL-L2380DW Mine is also the HL-L2380DW that works with our Samsung, Toshiba and HP Chromebooks. Best printer I've ever had. I'm still using the original ink cart. I literally threw my last printer onto the garage floor - I hated that thing (and that one was one of my better previous printer...
by rebellovw
Wed Jun 07, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Selling Only home I dont live in
Replies: 11
Views: 785

Re: Selling Only home I dont live in

I'm not an expert - but I don't see why not (sell as your residence) - for instance - you could live in another state due to a job - and you are renting - for that job - and now need to live in that state - hence you moved. No one needs to know your reason - but the above to me is valid - move to an...
by rebellovw
Wed Jun 07, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Black and white laser printers
Replies: 43
Views: 2210

Re: Black and white laser printers

Brother HL-L2380DW
by rebellovw
Wed Jun 07, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Black and white laser printers
Replies: 43
Views: 2210

Re: Black and white laser printers

And it works great with my apple laptop and pad
by rebellovw
Wed Jun 07, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Black and white laser printers
Replies: 43
Views: 2210

Re: Black and white laser printers

I hate printers never had a good one till now - Brother rocks. No more running out of ink or using it up on a test page and always works over Wireless
by rebellovw
Tue Jun 06, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Robo Vacs - 2017 models
Replies: 1
Views: 210

Re: Robo Vacs - 2017 models

I see no mention of Neato. Neato developed the mapping algo that Roomba now uses. It is pretty much #1 - some might give a slight edge to roomba in other online reviews. I have the D5 Connected - their top model - I'm pretty happy with it. It runs 5 days a week for the entire house (mostly hardwoods...
by rebellovw
Sat Jun 03, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: How do I get paid from my shares?
Replies: 7
Views: 866

Re: How do I get paid from my shares?

Reminds me of this: 3 guys go to rent a room - the clerk says - that it be 30.00 - they each put in 10. After they leave the clerk remembers they have a special 25.00 - so he takes 5 singles out of the drawer and on the way back he thinks - I can't break this evenly 3 ways so I'll keep 2 bucks and g...
by rebellovw
Thu Jun 01, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: Using limit orders to limit losses
Replies: 21
Views: 1626

Re: Using limit orders to limit losses

I think it is better to try to buy if you can during that downturn. Agree with this if you mean to buy via rebalancing, i.e. selling other portfolio assets in order to add to the recent losers, or via systematic investing, i.e. regular investing such as 401k contributions. Disagree if you mean that...
by rebellovw
Thu Jun 01, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: Using limit orders to limit losses
Replies: 21
Views: 1626

Re: Using limit orders to limit losses

Problem is - that it hits the limit - you are out - sell at a loss - then the market shoots back up and you are still out. Yep - thought about that.

I think it is better to try to buy if you can during that downturn.

Also - you only lose when you sell at a lower price.
by rebellovw
Thu Jun 01, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: 4 Years to Retirement. Want to get out of Fidelity PAS. Need Advice
Replies: 51
Views: 3368

Re: 4 Years to Retirement. Want to get out of Fidelity PAS. Need Advice

Sounds like you are staying with PAS. No thanks for me - they had a return of 3.5% net of FEEs - I'm seeing much better with no 100's in quarterly fees using a 3 fund portfolio.
by rebellovw
Thu Jun 01, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Man it is hard to ignore market timing... tell me I did ok.
Replies: 4
Views: 1036

Re: Man it is hard to ignore market timing... tell me I did ok.

adptnt wrote:Good for you and good job fighting back the "analysis paralysis".


Thanks that is exactly what it has been.
by rebellovw
Thu Jun 01, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Man it is hard to ignore market timing... tell me I did ok.
Replies: 4
Views: 1036

Man it is hard to ignore market timing... tell me I did ok.

Just a light hearted post. I had 90K cash to invest in the last couple of weeks. It can only go into my taxable account. I'm trying to get my AA into a more 60/40 from a 75/25 since I'm approaching my goal of 1M. So with the 90 it could only go into my taxable account which is total stock market and...
by rebellovw
Wed May 31, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 4892

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

It would also suck to buy in a hot market because as a buyer you have no power. For the houses we bought we were always lucky to have items repaired/replaced as part of the deal. You felt that you got a nice deal. That doesn't happen to much in a hot market.
by rebellovw
Wed May 31, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 4892

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

Try it in the Bay Area - it would go like this: Find a house that is desirable to buy be prepared to: 1) pay 100% cash and beat all offers and accept all contingencies. 2) Then sit on for a year or more (pay very high taxes) 3) Then Sell - give up 5-6% realtor fees and in some towns pay a exit tax. ...
by rebellovw
Mon May 29, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Mouse In Apartment
Replies: 39
Views: 3785

Re: Mouse In Apartment

Agreed - you must find out how they get in. Since you are in an Apt - the landlord should cover having an exterminator come out and access the apt. Seal all openings first - then set some traps. But an exterminator will have better experience at judging what an opening is - when I hired one he showe...
by rebellovw
Thu May 25, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: 4 Years to Retirement. Want to get out of Fidelity PAS. Need Advice
Replies: 51
Views: 3368

Re: 4 Years to Retirement. Want to get out of Fidelity PAS. Need Advice

Calling Fidelity and telling PAS to pound sand - was the best thing I've ever done. I'm now using Fidelity Index funds and I'm doing much better (FSTVX - total stock market, FSGDX - total int, FSITX bonds)

The quarterly fees will eat up any profits they provide.

I only wish I did it sooner.
by rebellovw
Sun May 21, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 1866

Re: Vehicle recommendation for large family

I'd feel pretty safe in a suburban. Those things are tanks -and you hope you are not hit by one.

I'd vote for a Land Cruiser - I love my 2002 LC. It is a car to have for life.

But with that many kids - I'd want a tank - I'd go Suburban.
by rebellovw
Sat May 20, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3366

Re: Rice Cooker

Inspired by this thread - I just bought 5lb Botan Calrose Rice - used my microwave recipe - rinse 3 times - microwave for 15 minutes - let rest for 5 - came out great. My son actually said - rice came out great tonight - very sticky.

I'll stick to my glass bowl.

Thanks,
by rebellovw
Sat May 20, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3366

Re: Rice Cooker

Clever_Username wrote:
I didn't realize there were people who didn't wash the rice prior to cooking.


Yep - you need someone on the inside to tell you :)

I thought it was like pasta - measure and throw in. Where did all this goop come from??
by rebellovw
Sat May 20, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 3431

Re: Bad experience with 'rescuing' a lost dog

Sounds like a rare situation. If you see my dog wondering around - please help! I'd be hugely grateful.
by rebellovw
Sat May 20, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 2720

Re: What goes in your smoothie?

RoadHouseFan wrote:Ice
Orange juice
Blue berries
Strawberries
Bananas
Cool whip



Cool whip? You should move onto something healthy like plain yogurt - cool whip is fake whip cream. Just my .02$ since a smoothy should be healthy and not a milk shake (though I make those too.)
by rebellovw
Sat May 20, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 2720

Re: What goes in your smoothie?

Ice - then fruit: I've used: Orange, Strawberries, Peaches, bananas and various berries - even apples Veggies - Carrots always sometimes fresh spinach and/or kale. Greek Yogurt - nonfat Pomegranate juice. I upgraded to the Ninja - which is a terrible machine - all the heavy pieces are forced against...
by rebellovw
Sat May 20, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3366

Re: Rice Cooker

I've just been doing the microwave method of first washing the rice until the water is clear - then fill glass bowl with rice and one inch of water over rice then microwave on high with glass top about 15 minutes - comes out fine. I don't miss my cheap rice cooker. But I do have their breadmachine w...
by rebellovw
Thu May 18, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3517
Views: 918878

Re: U.S. stocks in freefall

My auto buy bimonthly triggered yesterday and I saved over a buck on FSTVX. You gotta love that.
by rebellovw
Mon May 15, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Renting a small apartment vs buying a bigger home
Replies: 26
Views: 1612

Re: Renting a small apartment vs buying a bigger home

I've left the Bay Area - bought first house in Castro Valley (Great place for a first house - best prices) - then moved back to my home town of Alameda. The Bay Area is going up and up - always has and I'm afraid to say always will - at least until the earthquake. Prices are high - but after 5 years...
by rebellovw
Sun May 14, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Signature Cookware vs Calphalon?
Replies: 29
Views: 3402

Re: Costco Kirkland Signature Cookware vs Calphalon?

Yep - cast iron or stainless - non of that non-stick for me. Calphalon or All Clad for me.

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