Search found 360 matches

by inverter
Sun Sep 27, 2020 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Investing and Saving Considerations for Single Guy
Replies: 15
Views: 706

Re: Investing and Saving Considerations for Single Guy

26, single, but looking for a spouse/SO. Would recommend the LTD. I just decided to do it so I can maintain my nice standard of living if something were to happen.
by inverter
Fri Sep 25, 2020 12:59 pm
Forum: Personal Investments
Topic: Opinion on switching to Vanguard brokerage services from the original Vanguard accounts...
Replies: 11
Views: 969

Re: Opinion on switching to Vanguard brokerage services from the original Vanguard accounts...

The chances of SIPC protection coming into play at Vanguard are slim to none. That said, you should upgrade because it is the platform they are investing in going forward and there really is no downside as long as you don’t work in a regulated industry where mutual fund only accounts are exempt from...
by inverter
Thu Sep 24, 2020 7:07 pm
Forum: Personal Consumer Issues
Topic: Internet trouble, specifically ZOOM
Replies: 31
Views: 1680

Re: Internet trouble, specifically ZOOM

Another vote for hard wiring, and then trying again. You could be having latency/packet loss on your internet connection or on your WiFi, so you'll want to rule out you WiFi first.
by inverter
Thu Sep 24, 2020 7:04 pm
Forum: Personal Investments
Topic: Re: Fees on Roth IRA transfer
Replies: 7
Views: 402

Re: Fees on Roth IRA transfer

No, don't believe it is. You've already contributed. So the prudent course of action would be to withdraw all of Fidelity's reimbursed funds? Is there any other course of action I should take to ensure I don't violate anything here? Thanks so much! Apologies -- I didn't understand your question cle...
by inverter
Thu Sep 24, 2020 1:15 pm
Forum: Personal Investments
Topic: Re: Fees on Roth IRA transfer
Replies: 7
Views: 402

Re: Fees on Roth IRA transfer

No, don't believe it is. You've already contributed.
by inverter
Wed Sep 23, 2020 8:40 pm
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 124
Views: 10141

Re: Long Suffering VXUS Holder No More

I've gone in the opposite direction, moving from VXUS to VEA (developed markets only). I am not interested in relying on the CCP to protect my investment. I have also considered VSS (the ex-US small cap ETF) and specific country ETFs, but VEA is less expensive than all of that. CCP? What does the C...
by inverter
Wed Sep 23, 2020 3:34 pm
Forum: Personal Investments
Topic: Roth IRA
Replies: 11
Views: 910

Re: ROTh IRA

Nope!
by inverter
Wed Sep 23, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Company ST Disability Benefits Limits
Replies: 15
Views: 676

Re: Company ST Disability Benefits Limits

I just purchased a long term disability policy for this exact reason... these corporate policies have many exclusions and do not travel with you if you leave your employer.
by inverter
Sat Sep 19, 2020 8:37 am
Forum: Personal Investments
Topic: Fidelity Brokerage - Fund purchase from linked account?
Replies: 16
Views: 839

Re: Fidelity Brokerage - Fund purchase from linked account?

Another reason why Vanguard is superior, on top of their customer service! :P
by inverter
Sun Sep 06, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel Husband's Term Insurance?
Replies: 41
Views: 3264

Re: Should I Cancel Husband's Term Insurance?

Probably have, or do have enough? Would wait until it's the latter.
by inverter
Sun Sep 06, 2020 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Take Package/Severance (in mid-30's)?
Replies: 23
Views: 3907

Re: Take Package/Severance (in mid-30's)?

Sounds like a great opportunity! Take it!
by inverter
Sun Sep 06, 2020 7:43 pm
Forum: Personal Consumer Issues
Topic: Strange iMac issue
Replies: 17
Views: 1576

Re: Strange iMac issue

Under Activity Monitor > Energy, do you have any unexpected apps preventing sleep?
by inverter
Sat Aug 29, 2020 9:22 am
Forum: Personal Consumer Issues
Topic: Auto injury claim settlement question
Replies: 14
Views: 925

Re: Auto injury claim settlement question

Do you trust the lawyer? This reeks to me of him skimming off the top.
by inverter
Thu Aug 27, 2020 10:35 am
Forum: Personal Consumer Issues
Topic: $40k Hardwood Floors Gone Wrong - Help!
Replies: 43
Views: 4841

Re: $40k Hardwood Floors Gone Wrong - Help!

You need to make a clear decision of whether you're ok with the installed color or not. If you are, then ask for a small discount to make this right. If not, then you need to talk to the manufacturer and ask them how they are going to make you whole. In my mind, the manufacturer is at complete fault...
by inverter
Wed Aug 26, 2020 8:54 pm
Forum: Personal Investments
Topic: Who is liable for this?
Replies: 46
Views: 6317

Re: Who is liable for this?

You are liable.
by inverter
Sun Aug 23, 2020 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Quit corporate job @ age 34 with $1.3M?
Replies: 225
Views: 22348

Re: Quit corporate job @ age 34 with $1.3M?

Don't count on the inheritance and make more money using your side hustle than $20k or 40k!
by inverter
Sun Aug 23, 2020 6:28 am
Forum: Investing - Theory, News & General
Topic: Buying a website online?
Replies: 11
Views: 1244

Re: Buying a website online?

This sounds more like revenue generating websites, and not flipping domains. If for revenue generating websites, the markets can still be quite niche for that.
by inverter
Sat Aug 22, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: Convincing ISPs to improve neighborhood service
Replies: 14
Views: 1173

Re: Convincing ISPs to improve neighborhood service

Most ISPs have a "community" department that deals with real estate developers, apartment/condo buildings, etc. I'm wondering if you can get one of your sales reps interested in you?
by inverter
Sat Aug 22, 2020 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Stage 4 Cancer and Young Family
Replies: 105
Views: 14690

Re: Stage 4 Cancer and Young Family

First of all, I'm so, so sorry for your news. I can't imagine what you are going through and I wish you peace as you deal with this. Your plan seems sound. You've indicated you're already doing so, but I want to second engaging a lawyer to assist with this. Two other things I would look into, depend...
by inverter
Sat Aug 22, 2020 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Simplifi by Quicken Vs YNAB
Replies: 6
Views: 1189

Re: Simplifi by Quicken Vs YNAB

I'll start by admitting that I'm a huge YNAB fan. (My girlfriend calls it my "second girlfriend".. :oops:!) First, I'm surprised you have problems with Fidelity... I've had my Fidelity CC added for 4-5 years and only had a problem one or two times. Are you sure you've got it connected properly? You ...
by inverter
Fri Aug 07, 2020 6:57 am
Forum: Personal Consumer Issues
Topic: Mortgage sold - no contact from new lender
Replies: 28
Views: 2460

Re: Mortgage sold - no contact from new lender

Are there any mortgage companies that guarantee not to sell your loans? Or at least guarantee they will be the servicer? My parent’s mortgage was sold like 4 times from 2012-2017. Very annoying.
by inverter
Thu Aug 06, 2020 6:57 am
Forum: Non-US Investing
Topic: Is HSBC a safe bank?
Replies: 13
Views: 1467

Re: Is HSBC a safe bank?

HSBC is known in the financial services community as the money launderer of the world. My view of them would be akin to a global Wells Fargo. I would not surprised to see a significant scandal that inhibits their ability to provide top notch service and experience. That said, if you are an expat or ...
by inverter
Wed Aug 05, 2020 1:47 pm
Forum: Personal Consumer Issues
Topic: tru tankless(electric) versus rheem hybrid(electric)
Replies: 15
Views: 957

Re: tru tankless(electric) versus rheem hybrid(electric)

I think the advice I've heard is to use a heat pump water heater for the best efficiency. Seems the tankless aren't all that efficient versus having the tank
by inverter
Tue Aug 04, 2020 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Welp: Going for Bank Account Bonus Gone Wrong
Replies: 16
Views: 2649

Re: Welp: Going for Bank Account Bonus Gone Wrong

Why not just wait and clear it up when you’re back near a branch? Weren’t you planning on keeping that money there for the duration of the promotional period? Seems like a bit of a tempest in a teapot.
by inverter
Thu Jul 30, 2020 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Is guarantor on lease personally liable
Replies: 24
Views: 1698

Re: Is guarantor on lease personally liable

There is a separate concept of a guarantor, but the specific jurisdiction's laws will let you know whether or not you'd have liability.
by inverter
Wed Jul 29, 2020 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card( chase) application denied
Replies: 24
Views: 2200

Re: Credit card( chase) application denied

FYI, these large banks are becoming extremely conservative seeming overnight (on corporation timescales). Don't take it personally. JPMorgan Sets Aside More Than $10 Billion to Cover Coronavirus Loan Losses - The Wall Street Journal https://www.wsj.com/articles/jpmorgan-profit-drops-51-as-bank-sets-...
by inverter
Sat Jul 25, 2020 9:07 am
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 86
Views: 44534

Re: Will not using my dishwasher cause problems?

Dishwashers are the best. I recently moved to NYC so am finding out first hand that life without stinks. OP, try 2-3 weeks of using your dishwasher in place of hand washing. Scrape the food off and run it once a day. It’s far more economical in terms of water usage than hand washing and gets the dis...
by inverter
Fri Jul 24, 2020 3:20 pm
Forum: Personal Consumer Issues
Topic: Morgan Stanley letter about a data breach in my "former Morgan Stanley account" when I've never had one
Replies: 30
Views: 3265

Re: Morgan Stanley letter about a data breach in my "former Morgan Stanley account" when I've never had one

The breach was so good that they erased your memory of the account. If you read the breach info, they were shutting down a data center so they contracted out data disposal. This all implies that data at rest was not encrypted, which I find somewhat terrifying in 2020. Either that or they gave the c...
by inverter
Fri Jul 24, 2020 10:31 am
Forum: Personal Consumer Issues
Topic: Backyard BBQ - easy
Replies: 42
Views: 3779

Re: Backyard BBQ - easy

Another vote for charcoal & Big Green Egg.
by inverter
Tue Jul 21, 2020 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 82
Views: 8901

Re: Helping my nephew out of his rut

This is a very distressing picture. Financial issues are the least of his worries. He should be getting professional counseling to make sure he doesn't become totally lost or broken. I would not try to go it alone in advising him. I agree - I would help with shelter, professional counseling, and en...
by inverter
Mon Jul 20, 2020 8:04 am
Forum: Non-US Investing
Topic: If US stop the Swift of HK Bank,how to take back the money?
Replies: 1
Views: 492

Re: If US stop the Swift of HK Bank,how to take back the money?

Unlikely that HK gets kicked out of SWIFT altogether. That would disrupt the operations of most companies.

That said, you could wire from IB to non-HK bank.
by inverter
Sat Jul 18, 2020 11:17 am
Forum: Personal Consumer Issues
Topic: Used Bentley Flying Spur
Replies: 16
Views: 2090

Re: Used Bentley Flying Spur

I can’t remember the exact year, but one mid 2000s Bentley you have to pull the entire engine to change belts etc. Check the Tavarish videos on YouTube.
by inverter
Fri Jul 17, 2020 2:12 pm
Forum: Personal Consumer Issues
Topic: AT&T Fiber internet - modem/router
Replies: 9
Views: 519

Re: AT&T Fiber internet - rent modem/router?

With AT&T, you aren't able to opt out of the modem/router. AT&T has decided to encrypt the traffic between the ONT & their modem, so you can't just plug your router into their ONT.
by inverter
Thu Jul 16, 2020 5:28 pm
Forum: Personal Investments
Topic: Wish to retire in 7 yrs. and request financial advice
Replies: 15
Views: 1898

Re: Wish to retire in 7 yrs. and request financial advice

You’re going to cut it pretty right so I would recommend you sit down and plan out all of your expenses in retirement.
by inverter
Thu Jul 16, 2020 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Tired Lawyer, Need career and life advice
Replies: 106
Views: 13905

Re: Tired Lawyer, Need career and life advice

Did you feel this way before COVID?
by inverter
Wed Jul 15, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: [Tesla owners - opinions?]
Replies: 36
Views: 3030

Re: Tesla

Based on the general thread consensus at Bogleheads, you should definitely get a Tesla. Or a minivan, 2-3 year old Corolla or Civic or a Porsche 911 GT3 or some form of BMW / Mercedes - but you can’t say which model - you have to refer to it only by code like E92 or E63. In all seriousness, if you ...
by inverter
Wed Jul 15, 2020 11:28 am
Forum: Personal Investments
Topic: How do I "short" banks/mortgages?
Replies: 16
Views: 866

Re: How do I "short" banks/mortgages?

Don’t underestimate the market’s ability to outlast you.
by inverter
Wed Jul 15, 2020 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Should I fire my tax preparer?
Replies: 57
Views: 4649

Re: Should I fire my tax preparer?

Geez... this tax preparer sounds like a hot mess. The fact that she eFiled without your explicit consent is pretty shocking to me, and although this is complete conjecture, would seem to me that it violates CPA & IRS ethics unless your engagement letter says otherwise. I would definitely ask to spea...
by inverter
Tue Jul 14, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: Help!! Does this email sound legit ??
Replies: 23
Views: 1846

Re: Help!! Does this email sound legit ??

That looks like one of our work phishing tests they send out. If you click it, you get sent to an eight hour training & your manager gets an email. :twisted:

At our company, you're supposed to forward phishing to phishing@<companyname>.com.
by inverter
Tue Jul 14, 2020 3:30 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard mobile app
Replies: 7
Views: 1608

Re: New Vanguard mobile app

Glad they are making some progress on digital. Their website has tons of quirks, and I hope they are able to use modern tech & engineering methodologies to get the point where they make regular updates.
by inverter
Mon Jul 13, 2020 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: How much should we offer? | First time home buyers
Replies: 32
Views: 2199

Re: How much should we offer? | First time home buyers

The basement and porch look very reasonable. Perhaps offer a bit less on the house.
by inverter
Mon Jul 13, 2020 3:53 pm
Forum: Investing - Theory, News & General
Topic: Do You Do Your Taxes by Hand? Reporter doing story
Replies: 119
Views: 8618

Re: Do You Do Your Taxes by Hand? Reporter doing story

They ended with a single to “married, filing jointly” joke at the end. Other than that you aren’t missing much.
by inverter
Sun Jul 12, 2020 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Bored to Tiers: banking perks don’t seem worth it
Replies: 40
Views: 5055

Re: Bored to Tiers

Wells Fargo is a major bank that has given me no fees for anything for decades. Free mutual fund, ETF, and stock trades for instance. Free checks. Free overseas ATMs with great exchange rates. I am unconcerned about the interest rates paid on their savings accounts because I do not use a savings ac...