Search found 1071 matches

by Whakamole
Wed Oct 30, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Olympic National Park and Mount Rainier National Park First Week of November - Worth It?
Replies: 15
Views: 769

Re: Olympic National Park and Mount Rainier National Park First Week of November - Worth It?

30s sounds about right. Even the lowlands are cold; that's the downside of it being sunny right now, at least in the Seattle area. I wouldn't count on the weather being stable, bring cold weather gear (and probably rain/mud gear) if you plan to go on some hikes. If you end up going to Victoria while...
by Whakamole
Sun Oct 27, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 4860

Re: First Republic Bank doesn’t have physical coins

ftw? Am I the only one who does not know what that means? The proliferation of acronyms is off-putting. :-? ftw = "for the win" What does “for the win mean”? https://en.wiktionary.org/wiki/for_the_win So I have to do research to figure out what you are trying to communicate? Fortunately there are e...
by Whakamole
Fri Oct 25, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 4860

Re: First Republic Bank doesn’t have physical coins

mptfan wrote:
Fri Oct 25, 2019 11:32 am
Doom&Gloom wrote:
Fri Oct 25, 2019 10:45 am
Credit cards and currency ftw!
ftw? Am I the only one who does not know what that means? The proliferation of acronyms is off-putting.
:-?
ftw = "for the win"
by Whakamole
Tue Oct 22, 2019 1:00 pm
Forum: Personal Investments
Topic: Helping widowed mother with investments
Replies: 17
Views: 1668

Re: Helping widowed mother with investments

We'd like to have a neighbor show her how to take photos of mail she gets on her phone and send it to us. You can also, with your mom’s permission, sign up for “Informed Delivery” for your mom’s address with USPS. I get a daily email that includes a picture of the outside envelope for (almost) ever...
by Whakamole
Tue Oct 22, 2019 11:45 am
Forum: Personal Investments
Topic: Helping widowed mother with investments
Replies: 17
Views: 1668

Re: Helping widowed mother with investments

OK, part 2 of this, now that I have gotten the cost basis adjusted, gotten rid of some clunkers, and more of a handle on assets and income. As a refresher, mom is 80. Her monthly income is $1200 through Social Security, $1700 through a Federal government pension, and we expect that she'll be getting...
by Whakamole
Mon Oct 21, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Updgrade car for new safety features?
Replies: 77
Views: 4866

Re: Updgrade car for new safety features?

I'm a fan, in general, of the new active safety features. Nearly three years ago we bought a Subaru Outback with Eye Sight and it's been amazing. However, the parts of it that I love so much might not apply to your situation. I will never buy another car without adaptive cruise control (ACC) - and ...
by Whakamole
Sun Oct 20, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Updgrade car for new safety features?
Replies: 77
Views: 4866

Re: Updgrade car for new safety features?

2) If you turn your head and look does blind spot monitoring even make a difference? I mean, personally, even if I had the monitoring, I would still look before changing lanes. Not sure I see the purpose unless the driver tends to change lanes... then look, which is so common :) At least on the Sub...
by Whakamole
Fri Oct 18, 2019 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question - RMD on Inherited IRA
Replies: 16
Views: 1162

Re: Tax Question - RMD on Inherited IRA

I'm not sure I'm getting accurate info from my late mother-in-laws financial advisor. MIL passed away in Feb 2019 at the ripe old age of 92 so she had been taking RMD's from her IRA. The IRA has since been equally separated and distributed as inherited IRAs to seven siblings, one being my DW. Since...
by Whakamole
Fri Oct 18, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Why are Mazda CX-5’s sales so much less than other brands?
Replies: 69
Views: 7840

Re: Why are Mazda CX-5’s sales so much less than other brands?

FWIW, I was in an auto accident recently, and asked my adjuster what she recommended as a safe car. She said Subaru. Specifically Outback and Forester. She gave a few examples of people who were in severe accidents and just walked away with no injuries.
by Whakamole
Tue Oct 15, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Inappropriate touching in a workplace- What is the best act?
Replies: 28
Views: 2252

Re: Inappropriate touching in a workplace- What is the best act?

Get an attorney well-versed in workplace harassment (and that includes inappropriate touching); if you can find one familiar with this specific workplace, even better. Get their advice.
by Whakamole
Thu Oct 10, 2019 5:28 pm
Forum: Personal Investments
Topic: Vanguard - Benefits of maintaining 500K balance
Replies: 12
Views: 3002

Re: Vanguard - Benefits of maintaining 500K balance

Stock trades are a little cheaper.
by Whakamole
Thu Oct 10, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Neighbor filming a TV Show
Replies: 71
Views: 3850

Re: Neighbor filming a TV Show

Maybe approach a producer and say "hey, I've got this script that I've been working on, let me tell you about it."
by Whakamole
Thu Oct 10, 2019 10:31 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15865

Re: How many are switching from Fidelity?

This is now officially the most hilarious thread ever to occur on this forum. What does it say about people who couldn't even wait a week to see what Fidelity was going to do. I think it says that this forum is no longer just a Bogleheads forum for passive low cost buy and hold investors. Jack must...
by Whakamole
Thu Oct 10, 2019 1:11 am
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8064

Re: My mechanic just wrecked my car - advice?

Thanks! This is a good explanation. Given the current age and KBB value, etc., of my car, I'm not that worried but given my insurance agent mentioned it, I thought I should research the meaning. Right. At that age, it's not just an accident (most cars that age have had some kind of repair), but how...
by Whakamole
Thu Oct 10, 2019 1:06 am
Forum: Personal Consumer Issues
Topic: Hotel mini bar - rude to use for own stuff
Replies: 42
Views: 6254

Re: Hotel mini bar - rude to use for own stuff

Not rude. If I need space, I'll take out items that won't spoil at room temperature (alcohol, Coke, etc.) Never been charged or had the hotel say anything.

I also put anything back when I leave the room.
by Whakamole
Wed Oct 09, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8064

Re: My mechanic just wrecked my car - advice?

UPDATE - I also wanted to see if anyone had any new info on the doctrine of "diminished value " in the insurance industry? My agent mentioned it (without specific advice). I found this article and understand the general idea but don't know how to apply it to this situation exactly. I'm not that wor...
by Whakamole
Wed Oct 09, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 36
Views: 3407

Re: Consumer Reports

I was surprised how much mail CR has been sending my parents pleading for money. We're talking weekly mailings, that's not counting email. I wonder how many think their subscription is due and just cut them a check each time.
by Whakamole
Wed Oct 09, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Help Me Decide on a New Vehicle?
Replies: 63
Views: 4861

Re: Help Me Decide on a New Vehicle?

I would tell the OP just to go and drive the CX-5 and then drive a RX350, MDX, CX-9, etc. and tell me what they think. I've driven a 2018 CX-5 and it wasn't in the same ballpark. Probably the best vehicle in it's class but a whole different driving experience. did you drive the turbio?...not in sam...
by Whakamole
Tue Oct 08, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Help Me Decide on a New Vehicle?
Replies: 63
Views: 4861

Re: Help Me Decide on a New Vehicle?

+1 on the Subaru Outback. If possible, you should rent one for at least a few days to really get a feel for the ride and comfort. Any recommendations on how one can rent a Subaru? I'm heading to Denver in December and would gladly pay extra for one. I've never been offered a rental Subaru. Maryland...
by Whakamole
Mon Oct 07, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3679

Re: 2010 Prius totaled.... Now what?

I've been through vehicles being totalled twice in the last decade or so. If I recall correctly: At least one of the times, the adjuster sent me or showed me a list of cars (used, at dealerships), for sale in our area, comparable to the totalled vehicle. The settlement check was enough to buy at le...
by Whakamole
Mon Oct 07, 2019 1:45 pm
Forum: Personal Investments
Topic: Nervous about TLH
Replies: 33
Views: 2410

Re: Nervous about TLH

lostdog wrote:
Mon Oct 07, 2019 1:40 pm
ITOT is the US market. Do you mean IXUS?
Yes, fixed. :oops:
by Whakamole
Mon Oct 07, 2019 1:36 pm
Forum: Personal Investments
Topic: Nervous about TLH
Replies: 33
Views: 2410

Re: Nervous about TLH

You could also buy IXUS, if you were OK with owning a BlackRock ETF. It's closer to VTIAX since it holds small caps, but still tracks a different index. I did a VTIAX->VFWAX->IXUS->VTIAX trip a few years ago during a prolonged bad market for international, no issues when filing this. EDIT: sorry, IX...
by Whakamole
Mon Oct 07, 2019 1:39 am
Forum: Investing - Theory, News & General
Topic: Over Confident in Old-age: Cognitive Decline and Financial Literacy
Replies: 83
Views: 7843

Re: Over Confident in Old-age: Cognitive Decline and Financial Literacy

I'm far from the age cognitive decline typically takes place, but I'm not confident that I would be able to pick up the signs, and (even if I did) confident that I'd take action. It may well be too late by then.
by Whakamole
Sun Oct 06, 2019 10:56 am
Forum: Investing - Theory, News & General
Topic: I don’t understand the valuation of some companies – what am I missing?
Replies: 31
Views: 3043

Re: I don’t understand the valuation of some companies – what am I missing?

wootwoot wrote:
Sun Oct 06, 2019 10:13 am
It's likely due to the low interest rate bubble that the fed has created. Fundamental analysis is dead in the water and means very little for tech companies right now. It won't be this way forever.
It's not just interest rates. I've heard the term "everything bubble" which seems to be applicable.
by Whakamole
Sat Oct 05, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Document Storage: what format? (paper, fiche, scan,..?)
Replies: 43
Views: 3748

Re: Document Storage: what format? (paper, fiche, scan,..?)

Microfiche?! No, the year is 2019, not 1979. :wink: Scan to PDF and back up to cloud (encrypt if you really concerned about security). If it's encrypted, and you expect your executor/heirs to be able to access the documents, they'll need a copy of the encryption key. An alternative is something lik...
by Whakamole
Sat Oct 05, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 8032

Re: First car for child

I have never heard of a deer going through a windshield and destroying everyone in its path, not that it hasn't happened. I have known people who were seriously injured and killed swerving to avoid hitting a deer when they subsequently rolled their vehicle. I taught my kids if a deer pops out in fr...
by Whakamole
Sat Oct 05, 2019 10:56 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15865

Re: How many are switching from Fidelity?

Fidelity already offers free trades on BlackRock iShares ETFs. What else does anyone really need for ETFs? The nice thing about having multiple NTF ETFs/funds that track similar indices is that it makes TLH easier. At Vanguard, you can switch from VTI to ITOT to SPTM to SCHB if the market keeps goi...
by Whakamole
Sat Oct 05, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: burner phone for failing iphone?
Replies: 18
Views: 1677

Re: burner phone for failing iphone?

UBreakIFix will also swap out batteries. I used them for a cracked screen on my Android phone once and it came out looking new. If you are set on buying a new phone, not worth it, but if you want to keep your phone for another year - the battery packs can be a bit big (especially if you carry your p...
by Whakamole
Sat Oct 05, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: New Honda CR-V vs. 2-3 Year Old CR-V?
Replies: 68
Views: 4975

Re: New Honda CR-V vs. 2-3 Year Old CR-V?

Maybe I got really lucky, but I bought a 4 year old CR-V EX-L AWD (2wd) for $20,000. It had 20,000 miles on it. It seems like a deal to me... I bought it from a deal, certified pre-owned. I agree the new ones are much more attractive and have WAY better bluetooth and audio, but this one has AWD, he...
by Whakamole
Fri Oct 04, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: New Honda CR-V vs. 2-3 Year Old CR-V?
Replies: 68
Views: 4975

Re: New Honda CR-V vs. 2-3 Year Old CR-V?

But regardless of everything mentioned above, my example still holds, well beyond a $3K difference... - Used Car: $25,000, 35,000 miles on odometer, 115K usable miles = $0.217391/mile. - New Car: 0 miles on odometer, 150K usable miles x $0.217391 = $32,609 So you could spend up to $32,609 for the N...
by Whakamole
Thu Oct 03, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: New Honda CR-V vs. 2-3 Year Old CR-V?
Replies: 68
Views: 4975

Re: New Honda CR-V vs. 2-3 Year Old CR-V?

surfstar wrote:
Thu Oct 03, 2019 10:26 am
2019 Forester or 2020 Outback should also be considered. Those are both redesigned models and have caught up on tech/interior sides, from the reviews I've read.
The Forester is very nice. Excellent car all around.
by Whakamole
Thu Oct 03, 2019 12:54 pm
Forum: Personal Investments
Topic: Helping widowed mother with investments
Replies: 17
Views: 1668

Re: Helping widowed mother with investments

Sorry for your loss. Some thoughts: 1) Community property state vs. not is a big deal. I think this has been asked, but you haven't answered. If it's a CP state, then the basis should be fully reset, and you can probably sell/exchange just about everything with minimal tax consequences. 2) Are you ...
by Whakamole
Wed Oct 02, 2019 10:58 am
Forum: Personal Investments
Topic: Helping widowed mother with investments
Replies: 17
Views: 1668

Re: Helping widowed mother with investments

The easiest thing would be to put the IRAs into some sort of income fund, like TR or Lifestrategy income, and use the RMD or mortality tables to set up automatic withdrawals. For the taxable mishmash, slowly sell a little each year, to minimize the tax hit and to make it a sort of annuity for your ...
by Whakamole
Wed Oct 02, 2019 10:39 am
Forum: Personal Investments
Topic: Helping widowed mother with investments
Replies: 17
Views: 1668

Re: Helping widowed mother with investments

Do you or your siblings have accounts at Vanguard? If so, you can talk up their choice of funds, low fees, etc. to your mother, along with your personal satisfaction with Vanguard (that is, if you're satisfied with them). I do. Not quite Flagship but working on that. I've already played it up to he...
by Whakamole
Wed Oct 02, 2019 8:09 am
Forum: Personal Investments
Topic: Helping widowed mother with investments
Replies: 17
Views: 1668

Re: Helping widowed mother with investments

Thanks. Her broker is TDA, which has a nice selection of Vanguard funds without transaction fees, including Wellesley, which I had forgotten about as an option. There is also the Target Retirement Income Fund VTINX. All seem like sensible options, and should be fine both in the IRA and in a taxable...
by Whakamole
Wed Oct 02, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Car price ratio to NW
Replies: 140
Views: 9493

Re: Car price ratio to NW

Spending too low can be penny wise and pound foolish, such as driving a car without side air bags or has a terrible IIHS rating. The plus side is that you won't need as much if you injured enough in an accident. That's not including the issues with owning an unreliable car. I don't think there is a ...
by Whakamole
Wed Oct 02, 2019 12:23 am
Forum: Investing - Theory, News & General
Topic: How much cash do you keep in your HSA?
Replies: 63
Views: 4801

Re: How much cash do you keep in your HSA?

The minimum, a few hundred dollars. Everything else is invested in a cheap S&P 500 index fund.
by Whakamole
Tue Oct 01, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 49
Views: 4438

Re: Equifax breach settlement update?

njuser wrote:
Tue Oct 01, 2019 2:43 pm
I think the tuna fish class action was handled much better.
I just received my coupon for $5 in free tuna. I think that will be more than what I will get from Equifax.
by Whakamole
Tue Oct 01, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: Uber in foreign countries
Replies: 25
Views: 1720

Re: Uber in foreign countries

Uber doesn't operate in China, but Didi (the equivalent) has an English-language app. It makes it easy to get around as long as you have an address and a linked credit card, since all communication is done through the app.
by Whakamole
Mon Sep 30, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance - Chase Sapphire Reserve
Replies: 12
Views: 1162

Re: Travel Insurance - Chase Sapphire Reserve

I was not reimbursed because of a trip I had to cancel because my traveling partner came down with a very serious illness.
by Whakamole
Mon Sep 30, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401k or 401k: diversify tax risk or hit SS limits
Replies: 14
Views: 1011

Re: Roth 401k or 401k: diversify tax risk or hit SS limits

Once you are past the second "bent point" for SS, each dollar you pay to SS gives a very marginal benefit. I don't think I would let that be a factor in your decision. I "hedge" because my employer has the so-called mega backdoor Roth (after tax 401(k) contributions which can be rolled over to a Rot...
by Whakamole
Mon Sep 30, 2019 8:44 am
Forum: Personal Investments
Topic: Munis in Taxable or Bonds in the 401K?
Replies: 41
Views: 2926

Re: Munis in Taxable or Bonds in the 401K?

The tax treatment of bonds (total bond, not tax exempt bonds) in the 401k is much better than a taxable account because the growth (interest payments) are not taxed when payed. I didn't know this. I thought everything in 401k is taxed during withdrawal. It is. But interest (and dividends, and capit...
by Whakamole
Mon Sep 30, 2019 8:42 am
Forum: Investing - Theory, News & General
Topic: S&P indexes may never hold some unicorns. Thoughts?
Replies: 39
Views: 3504

Re: S&P indexes may never hold some unicorns. Thoughts?

Seems fine to me. "Some shareholders are more equal than others" rubs me the wrong way.
by Whakamole
Mon Sep 30, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 58
Views: 9360

Re: 2019 Subaru Forester Vs. 2019 Rav 4

UpperNwGuy wrote:
Mon Sep 30, 2019 5:31 am
Are the 2020 Foresters on the dealer lots already? How do they differ from the 2019s?
The dealer I talked to said not yet, and that (at least in "Subaru country", the Pacific Northwest) most had already been spoken for.

The big change I know of is "Lane Assist" is becoming "Lane Centering."
by Whakamole
Sat Sep 28, 2019 6:58 pm
Forum: Personal Investments
Topic: 1000 extra stocks in VTSAX vs FZROX: what's their use?
Replies: 28
Views: 2394

Re: 1000 extra stocks in VTSAX vs FZROX: what's their use?

They're likely small-cap (or even micro-cap) stocks which aren't impacting performance as much because, even added up, they make up a small percentage of the portfolio.

You can compare the holdings of FZROX and VTSAX to see what the difference is.
by Whakamole
Fri Sep 27, 2019 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Half of Retirees Afraid to Use Savings
Replies: 111
Views: 12702

Re: Half of Retirees Afraid to Use Savings

..My mother said you went to the early bird to avoid families with small children - LOL. My mother would take all the dinner rolls, muffins, cornbread or anything else in the bread basket and surreptitiously (she thought when no one was looking ) slip them into plastic baggies she had stashed in he...
by Whakamole
Fri Sep 27, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)
Replies: 22
Views: 2848

Re: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)

I may just cancel the Citi double cash back card since there is no point in having it now, you can get 2% with the Fidelity card (though you have to wait until you have $50 cash back in order to cash out.) OTOH, the rebates are automatic with Fidelity. Since there is no annual fee, I will definitel...
by Whakamole
Fri Sep 27, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)
Replies: 22
Views: 2848

Re: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)

I used price rewind and the extended warranty, both saved me money. And of course rental car coverage for those occasions. I may just cancel the Citi double cash back card since there is no point in having it now, you can get 2% with the Fidelity card (though you have to wait until you have $50 cash...
by Whakamole
Tue Sep 24, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Uber - first time user - will I get picked up
Replies: 36
Views: 3694

Re: Uber - first time user - will I get picked up

Schedule your trip in the App. If it says the trip is scheduled, the car is coming. The schedule feature is available in some markets but not others. Also IIRC the schedule feature is not a guarantee and may be canceled if there are no cars available. Scheduling a taxi or shuttle is not a guarantee...