Search found 67 matches

by IHateCasinos
Fri May 29, 2020 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or rent $2m house?
Replies: 32
Views: 2216

Re: Sell or rent $2m house?

Market timing in the property market IS probably the right thing to do here. If someone offers you your asking price now, take it! if not, dont sell *right now*, rent it out for a 2 or 3 years , hoping for some gain back to Jan 2020. If the *almost right offer comes in now, sell. get it gone. One gr...
by IHateCasinos
Wed Apr 15, 2020 10:55 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17349

Re: Ponzi Scheme?

Dear all, lets keep the discussion on track. ie helping the OP.
Reduce unnecessary sidetracks/thoughts.
I can only imagine how stressed out they must be.
:sharebeer
by IHateCasinos
Mon Apr 13, 2020 8:42 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17349

Re: Ponzi Scheme?

I did a Google investigation of the previously mentioned company running this scheme. I'm guessing it all comes crashing down in the next few months. Website is atrocious and when you try to view it in English it throws you off. Way too many red flags in just a five minute internet search. OP, do y...
by IHateCasinos
Tue Apr 07, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Best home printer/scanner?
Replies: 38
Views: 2405

Re: Best home printer/scanner?

go to wirecutter.com
the best gadget recommendation site. 3 choices: best bang for buck / budget / upgrade

also read the backstory about how he got started after arguing with Steve Jobs. its very entertaining.
by IHateCasinos
Tue Apr 07, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: No sports but cable bills unchanged
Replies: 86
Views: 6132

Re: No sports but cable bills unchanged

you have "accidently" become enlightened to how much you overpay, so: Cut the cord. NOW! For internet service, cancel your existing and sign-up as new customer using Other Half's SSN. get the 1yr introductory rate. repeat annually. 25mb is fine for 1 or even 2 simultaneous netflix streams. no-one re...
by IHateCasinos
Mon Apr 06, 2020 2:05 pm
Forum: Personal Investments
Topic: Windfall: Insight Appreciated
Replies: 21
Views: 1107

Re: Windfall: Insight Appreciated

1) dollar cost averaging over 6 months is reasonable. Maybe consider 50% now then dca the rest. 2) don't pay the .8%+. Use either vanguard advisory or pay a fiduciary a few thousand for a one time engagement. Thank you for the recommendation and insight. I did inquire with the fiduciaries about a o...
by IHateCasinos
Wed Apr 01, 2020 5:08 pm
Forum: Personal Investments
Topic: Interactive Brokers - 1% Lending
Replies: 17
Views: 1190

Re: Interactive Brokers (IB) - 1% Asset Backed Lending (Margin)

I looked at IB about 3 years ago. But I just didnt like that he was dressed in a purple suit. :shock: sure, Its my strange response to that but I much preferred seeing Jack Bogle not looking SO fancy-dan, as my late dad used to describe it. https://www.youtube.com/watch?v=AOcyro2twVU That video desc...
by IHateCasinos
Mon Mar 23, 2020 6:58 pm
Forum: Personal Investments
Topic: Treasury Market locked up
Replies: 35
Views: 4225

Re: Treasury Market locked up

I think the best answer I heard Friday&today, is : Why would anyone bother buying it at 0.09% US6M (now) and 0.185 US3M(now). Honestly, (besides if i needed it for cover over the FDIC 250k limit), why would anyone buy any of the Tbills? 30 years for 1.3% ! Excuse me?? FOR THIRTY YEARS!! No. Just no....
by IHateCasinos
Mon Mar 23, 2020 6:20 pm
Forum: Personal Investments
Topic: [Shopping List of Individual Stocks]
Replies: 51
Views: 3426

Re: Shopping List

Rick, heres todays picture, of even more obvious ones, as to why you should NOT follow that strategy.

Can YOU pick which of those pharmaceutical companies will be down or up??.https://pasteboard.co/J0urtb6.png

or 3M's performance today?? They are just names at this point....

M
by IHateCasinos
Tue Mar 17, 2020 6:09 pm
Forum: Personal Investments
Topic: Need advice on my situation
Replies: 19
Views: 1278

Re: Need advice on my situation

thanks for posting so honestly. I read your posts and think every $50 of cost savings helps. Long ago I cut off amazon prime, it was too easy to spend. In the time vs money continuum - you currently have more time , less money, so start shopping like that. Taking some actions will also help you feel...
by IHateCasinos
Tue Mar 03, 2020 3:49 pm
Forum: Personal Investments
Topic: Where is your funny money?
Replies: 7
Views: 491

Re: Where is your funny money?

that book - was an amazing read and it woke me up! this isnt a serious response but kinda funny - because Bogle was , I believe - talking about your FUN money. FUNNY money is totally different thing... think of Breaking bad and better call saul. hot money! :D It was apple and tesla for me until 2017...
by IHateCasinos
Fri Feb 28, 2020 3:22 am
Forum: Personal Investments
Topic: What to do with my infirm mother's finances?
Replies: 10
Views: 915

Re: What to do with my infirm mother's finances?

I'm sorry to hear about your mom. i hope my own doesnt get that way. 1. take your sister with to that meeting. 2 if you cant do option 1, skype or conference call her in. 3. if you cant do 1 or 2 , reschedule. that doesnt stop YOU from researching the intelligent questions beforehand, ie on here, bu...
by IHateCasinos
Sat Feb 22, 2020 4:59 am
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 9846

Re: Has Vanguard deteriorated?

Read Jacks final book, "Stay the course". If that doesnt convince you why, with Vanguard you are simultaneously buying (into) a unique ownership structure that no-one else has, then nothing ever will. 99% unlikely any of the others will ever mutualize, so I'll just be with the ONE Mutual company. ie...
by IHateCasinos
Sat Feb 22, 2020 4:44 am
Forum: Personal Investments
Topic: Trust Investments for young couple
Replies: 17
Views: 1584

Re: Trust Investments for young couple

This is an amount of money where the family needs, and can easily afford, top notch counsel. At this level of wealth, tax considerations are immense. The investment decisions pale in comparison to the importance of estate tax avoidance and tax planning. +1 OP, I appreciate why they might have non-c...
by IHateCasinos
Wed Feb 12, 2020 6:20 pm
Forum: Personal Investments
Topic: Who’s Buying Bitcoin?
Replies: 307
Views: 18136

Re: Who’s Buying Bitcoin?

Better question - Where ARE the customers yachts?

Btw, the` book of that title was written in NINETEEN FORTY. So not much has changed. :(
by IHateCasinos
Thu Jan 16, 2020 4:03 pm
Forum: Investing - Theory, News & General
Topic: IN MEMORY OF JOHN C. BOGLE
Replies: 29
Views: 3035

Re: IN MEMORY OF JOHN C. BOGLE

I just finished his "Memoir", Stay the course, which was given to us the the bogleheads convention(thanks!!). such a great, and reinforcing read!!
A whiskey toast to Mr John C Bogle!
by IHateCasinos
Tue Dec 31, 2019 6:52 pm
Forum: Personal Investments
Topic: Vanguard website down: another example of the lack of good tech at Vanguard
Replies: 93
Views: 5283

Re: Vanguard website down: another example of the lack of good tech at Vanguard

Vanguard sent me a survey the other day. One of those “How likely are you to recommend...” type questions. I gave it some middle of the road rating, then they asked why. I answered something along the lines of “I believe in Vanguard’s philosophy, low cost, index investing. But in 2019, when every o...
by IHateCasinos
Mon Dec 02, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Car rental insurance when visiting US
Replies: 6
Views: 387

Re: Car rental insurance when visiting US

Usually the upsell insurance is where they really make their money. the car actually incidental. FYi - credit card insurance is usually capped at 14 days max. of course you can return and re-rent the same car etc. Hence the suggestion to get separate insurance and then ready yourself for the enormou...
by IHateCasinos
Mon Dec 02, 2019 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Car rental insurance when visiting US
Replies: 6
Views: 387

Re: Car rental insurance when visiting US

I have found good comparisons for health insurance (and car hire) on squaremouth.com (use a well reviewed company) or tokio marine. tokio is very large and good coverage.

be very aware that medical cover is VERY specific about pre-existing conditions.

M
by IHateCasinos
Mon Dec 02, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Veracrypt not closing problem- Help
Replies: 5
Views: 485

Re: Veracrypt not closing problem- Help

I dont know much about Veracrypt, but since you are on win10, you should consider turning on bitlocker. I have it running on all laptops and the "to go" version on all USB drives. works flawlessly for 3 years now. full Drive encyption has become as common on modern machines as household plumbing. Bo...
by IHateCasinos
Fri Oct 11, 2019 3:26 am
Forum: Personal Finance (Not Investing)
Topic: GE Pension Buyout
Replies: 85
Views: 13394

Re: GE Pension Buyout

Even though #3 appears to be the best option, I would take the cash offer(#1) & run. Currently, there are way too many red flags at GE to feel comfortable with the future payments. I’d love to believe that they will survive intact, and even thrive, but I wouldn’t bet on it. #3 says you took that ga...
by IHateCasinos
Mon Oct 07, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: financial security (protect from theft-ID and others)
Replies: 9
Views: 1244

Re: financial security (protect from theft-ID and others)

glad you found it useful! So the internets say to me that some banks block the text messages going to GV, ( and even some cheaper phone carriers also block incoming [special] texts). a screenshot https://www.reddit.com/r/personalfinance/comments/9l2yx7/question_for_ally_bank_customers/ shows that Al...
by IHateCasinos
Wed Sep 25, 2019 3:06 pm
Forum: Personal Investments
Topic: What to do next with our money
Replies: 22
Views: 4505

Re: What to do next with our money

:D Better advice: find a friend in France who ALREADY has a boat. befriend them & dont buy the boat. Having said that, i have owned a few. they are great fun, but .... "a hole into which you WILL pour endless sums of money", or my memory of my father saying to my mother, (when she hands him $500 cas...
by IHateCasinos
Wed Sep 25, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: financial security (protect from theft-ID and others)
Replies: 9
Views: 1244

Re: financial security (protect from theft-ID and others)

+1 anon_investor. lock away the debit cards. many banks do not respect the limits you set (explicitly) on them eg daily cash withdrawals and daily POS purchases. Fraud is not widespread enough yet for some banks them , I think. Crazy but true. Use credit cards instead. Just pay off the full balance ...
by IHateCasinos
Thu Sep 19, 2019 9:12 pm
Forum: Personal Investments
Topic: Is private wealth management worth it?
Replies: 47
Views: 6504

Re: Is private wealth management worth it?

You should consider separately : The asset preservation - ie depositing the proceeds into a Trust of whatever sort (eg Directed), and the investment manager of the funds in that trust. Eg yourself/GS/BAM/Vanguard PAS Definately separate the 2 firms if you can. They do not have to be the same firm. A...
by IHateCasinos
Fri Jul 12, 2019 2:43 am
Forum: Personal Finance (Not Investing)
Topic: used car buying
Replies: 20
Views: 2097

Re: used car buying

i have found this site makes the narrowing of choices easiest, because they compare the different years of the same car. eg a 2015 camry vs a 2016 camry. no other site i have seen does that. It helps you to know which year you should chase down, and which is no different (to you) https://cars.usnews...
by IHateCasinos
Fri Jul 12, 2019 2:39 am
Forum: Personal Finance (Not Investing)
Topic: How to Safely Share User IDs / Passwords with Spouse
Replies: 79
Views: 7790

Re: How to Safely Share User IDs / Passwords with Spouse

goto the canva.com site( they got hacked about a month ago), and signup to 1 password for families from there. the deal is brilliant and is 12 months of free usage!! then you can deceide afterwards if you like it. if you dont migrating your passwords out is easy. and you will know why you should use...
by IHateCasinos
Wed Jun 05, 2019 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Best bank for frequent travel friendly international wire transfers?
Replies: 18
Views: 2337

Re: Best bank for frequent travel friendly international wire transfers?

+1 for Transferwise.
ablsolutely fantastic. I have done >$100k through them many times. A genius idea!

M
by IHateCasinos
Wed May 15, 2019 4:25 pm
Forum: Personal Investments
Topic: Help my broker is trying to freak me out
Replies: 94
Views: 15378

Re: Help my broker is trying to freak me out

Lose the broker salesperson. S/he probably doesn't know where next month's boat payment is coming from, therefore needs to get it from you. Choose a low-cost index fund provider and initiate a transfer of all assets through them. You'll never need to interact with your broker salesperson again. I w...
by IHateCasinos
Mon May 13, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Saving passwords on iCloud
Replies: 21
Views: 2468

Re: Saving passwords on iCloud

run like the wind to a password manager. any password manager.
better yet, get 1password. as a frugal boglehead, i use their pay once model. 1 password perpetual license.
HIBP recommds it and he knows stuff!!
by IHateCasinos
Mon May 13, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: Does geico provide a decent homeowners insurance?
Replies: 15
Views: 5614

Re: Does geico provide a decent homeowners insurance?

Try see if you can find a MUTUAL company in your state. eg Amica. like Vanguard, a Mutual Insurance company is owned by the policy holders.... :)
by IHateCasinos
Mon May 13, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Using my Cell Phone in England
Replies: 47
Views: 2467

Re: Using my Cell Phone in England

Actually, gone are the days of needing international roaming on your sim card/ carrier. What replaces it VERY successfully is called Wi-Fi Calling . Iphone has it. hopefully your carrier allows it to be turned on (in the USA). Then when you join a wifi network *anywhere in the world*, the calls arri...
by IHateCasinos
Thu Apr 11, 2019 7:12 pm
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 121
Views: 30196

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION OPEN ANNOUNCEMENT

SimplicityNow wrote:
Thu Apr 11, 2019 9:11 am
Thanks Mel for your hard work in setting this up. Also thanks to your hard working team.

Looking forward to it.
I am SUPER Excited to finally get a chance to go!! :) and meet all the peeps! what great timing! thanks!
IHateCasinos
by IHateCasinos
Wed Mar 27, 2019 6:42 pm
Forum: Personal Investments
Topic: Ready to FIRE (But Vultures Be Circling)
Replies: 80
Views: 11437

Re: Ready to FIRE (But Vultures Be Circling)

OTOH, the other high cost solutions are invariably difficult to extract oneself from without a further cost. This is a big downside. We see almost every week on the forum a new poster trying to figure out how to get out of a bad situation with a messy portfolio that is not understood, has moderate ...
by IHateCasinos
Fri Mar 08, 2019 4:46 am
Forum: Personal Investments
Topic: Need to park about 1,000,000 for 7-8 months
Replies: 77
Views: 9450

Re: Need to park about 1,000,000 for 7-8 months

Yes, the OP could keep the money in USD (via treasuries /MM etc as suggested) but then OP must buy the forward cover, immediately once the house is contracted for. Thats your trigger. The fwd contract price is the exact difference between what you will earn in interest in the different countries. th...
by IHateCasinos
Tue Mar 05, 2019 6:48 pm
Forum: Personal Investments
Topic: Need to park about 1,000,000 for 7-8 months
Replies: 77
Views: 9450

Re: Need to park about 1,000,000 for 7-8 months

much more relevant in my mind would be the exchange rate that you get. 2 things, as someone who does forex often: 1. buying forward cover is quite simple from one of the big guys and could well be worth it. 2. using Transferwise.com when you actually send the funds over, to drastically reduce your c...
by IHateCasinos
Wed Jan 16, 2019 8:07 pm
Forum: Investing - Theory, News & General
Topic: The Bogle Rule
Replies: 24
Views: 5003

Re: The Bogle Rule

A BRILLIANT idea!

On such an auspicious day. :(

M
by IHateCasinos
Thu Dec 06, 2018 7:41 pm
Forum: Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 12874

Re: 20M Inheritance - What is best option for small/no risk on principal?

While deciding who/what/where, .... buy 3 or 4 week US treasuries. Sit out the duration of the bond ie 3 weeks. no capital risk. (only) 99.99% guaranteed of course. On the secondary market you can easily find treasuries maturing on almost any date in the next few weeks. you lose $1,200 per day ie 35...
by IHateCasinos
Thu Nov 08, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Lenovo Computer
Replies: 3
Views: 836

Re: Lenovo Computer

Thinkpad is MUCH higher build quality than a plain lenovo. not actually comparable. hence BB doesnt stock many thinkpads.

try to find a friend with a "perks at work " type account (buying at corporate volume discount) , if you dont win at black friday discounts.

:)
by IHateCasinos
Thu Nov 08, 2018 4:17 pm
Forum: Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 4123

Re: 3.75% - 5-year CD

that is one CRAZY looking yield curve!!!
Those guys look desperate for cash.
Personally, I would look elsewhere. CU / bank failures are a huge admin mess.

Especially since there are rising rates between the banks overnight [interbank] rates as the Treasury selling continues.
:)
by IHateCasinos
Fri Sep 14, 2018 7:45 pm
Forum: Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 13628

Re: How real is cyber risk?

As someone who just today , was the victim of a hack, i can give empirical evidence that since last year the existence of fraud has gone up 100%. i do the same type of business transactions via lawyers trust accounts for the last 5 years. last year no crimes. Today, my lawyers document was copied/ba...
by IHateCasinos
Sat Aug 25, 2018 12:52 am
Forum: Personal Consumer Issues
Topic: Specific Disney fastpass suggestions
Replies: 10
Views: 1409

Re: Specific Disney fastpass suggestions

i used this app on my phone. amazing!! it needed a bit of pre-planning but we didnt wait in line at all!!
its using published disney and crowdsourced data!!

have fun.
by IHateCasinos
Fri Aug 24, 2018 11:32 pm
Forum: Personal Investments
Topic: Short term investment (90 days)- but too large for CD's
Replies: 9
Views: 1197

Re: Short term investment (90 days)- but too large for CD's

I want to thank everyone for their thoughtful replies. I did a bit more reading/thinking before replying - hence the delayed reply. I have deceided to go with the VG Treasury MM. simple to buy and safe to have. @duel - no, I am not able to exchange it out in kind. @Mega317 - You taught me something ...
by IHateCasinos
Fri Aug 24, 2018 11:22 pm
Forum: Personal Investments
Topic: Short term investment (90 days)- but too large for CD's
Replies: 9
Views: 1197

Re: Short term investment (90 days)- but too large for CD's

SEC yield is backward looking This is not correct Was it my wording? How about this? The SEC yield for a money market fund is calculated by annualizing its daily income distributions for the previous 7 days. Thanks Everyone. Tonight found a parallel topic on SEC yields and it aint actually so simpl...
by IHateCasinos
Wed Aug 22, 2018 5:06 am
Forum: Personal Investments
Topic: Short term investment (90 days)- but too large for CD's
Replies: 9
Views: 1197

Short term investment (90 days)- but too large for CD's

Hi all, I have been watching and reading on this board for about 2 years now, after having discovered the Forum and reading some of Mr Bogles books! It is now time for me to get off the fence and start posting! EM fund: 6 months Married, Home paid off, no debt, no [human] kids. ;) MFJ Tax rate: 25% ...
by IHateCasinos
Wed Aug 15, 2018 4:49 am
Forum: Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 58
Views: 26463

Re: Moving from Vanguard to Fidelity (probably)

I feel that i must add that the fidelity VISA rewards card seems to be something that is enticing to you. his isnt the board to get advice on c/c rewards. no disrespect intended, but you should goto boardingarea.com / or ViewFromtheWing etc. those are dedicated sites about how to maximise c/c spendi...
by IHateCasinos
Fri Apr 27, 2018 5:21 pm
Forum: Personal Investments
Topic: Newly widowed and waay out of my league
Replies: 41
Views: 6936

Re: Newly widowed and waay out of my league

I am sorry that you had to lose your husband in that way. My father in a sudden way too. Huugge shock and the time thereafter is still very fuzzy. So, You have done incredibly well to have found this forum. I wish I found the honest, independent advice in this forum, (as well as index investing) 20 ...
by IHateCasinos
Fri Feb 02, 2018 5:40 pm
Forum: Personal Investments
Topic: Hourly, over the phone investing help
Replies: 15
Views: 1205

Re: Hourly, over the phone investing help

I too feel somewhat overwhelmed sometimes, but I particularly liked holding a John Bogle book in my own hands, on paper. I lot of confidence gained, then ask questions on the Board.
and I too am also trying to eat an elephant. 1 bite at a time i am told......

Marc.
by IHateCasinos
Fri Nov 10, 2017 6:22 pm
Forum: Personal Investments
Topic: Chase Self Directed Brokerage for non-retirement accounts
Replies: 20
Views: 5369

Re: Chase Self Directed Brokerage for non-retirement accounts

I have to say this is a very entertaining post. The OP is trying to get a dog to be a cat. Eventually chase will realize that they have allowed you something they cant make money on. They WILL then change it and you will be forced put the funds in the proper place/method. work IN the system, not out...
by IHateCasinos
Tue Oct 17, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 36
Views: 4211

Re: Business Laptop Suggestions Request

Lenovo Thinkpad.
a 2015 or 2016 Thinkpad carbon x1 is a nice sweet spot currently.
NOT an ideapad. thats a different thing.

But the new microsoft surfacebook launched today looks v nice, or the surface laptop.
but I'm on a thinkpad for almost 20 years now.