Search found 42 matches

by IHateCasinos
Fri Jul 12, 2019 2:43 am
Forum: Personal Finance (Not Investing)
Topic: used car buying
Replies: 20
Views: 1770

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: 6213

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: 13
Views: 1750

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: 14323

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: 2237

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: 4538

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: 2272

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: 109
Views: 15809

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: 10844

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: 8937

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: 8937

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: 4816

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: 12380

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: 776

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: 3971

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: 12640

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: 1363

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: 1183

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: 1183

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: 1183

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: 21975

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: 6374

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: 1144

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: 5250

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: 4055

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.
by IHateCasinos
Fri Aug 25, 2017 3:57 pm
Forum: Personal Investments
Topic: Switching to a Boglehead Investment Strategy
Replies: 13
Views: 2025

Re: Switching to a Boglehead Investment Strategy

One other point. Give your dad the book , "The Little Book of Common Sense Investing" to read after you read it. IF he reads it, then he's open to real change and fresh thinking. If not, then he is sadly been captured by the big brokerages advertising budget. Using your terms of practice and theory,...
by IHateCasinos
Fri Aug 25, 2017 3:47 pm
Forum: Personal Investments
Topic: Switching to a Boglehead Investment Strategy
Replies: 13
Views: 2025

Re: Switching to a Boglehead Investment Strategy

... I'm such a perfectionist that I tend to overthink to the point of inaction, which I'm trying to avoid doing, so your specific reading suggestions are very helpful for me to narrow down my focus. In fact, I'm embarrassed to say that I started my original post 2 and a half years ago and never pul...
by IHateCasinos
Tue Aug 22, 2017 6:38 pm
Forum: Personal Investments
Topic: Landlord - collections
Replies: 13
Views: 1835

Re: Landlord - collections

Be pro-active not re-active, RIGHT NOW. Definately email/record that you do not allow that (as hopefully your lease says). & that the last month is payable , and also and when the deposit , nett of damage & cleaning costs, will be refunded. (if it doesnt already say this, then you know for next time...
by IHateCasinos
Tue Jul 11, 2017 4:49 am
Forum: Personal Investments
Topic: Investing a Windfall
Replies: 10
Views: 2158

Re: Investing a Windfall

@clip651 - Solid answer. You were not rambling, but sensitively put. OP - I agree with @clip651. Decide as a family, but co-mingling is not necessarily what the donor would have wanted in the event of you coming separated. It can create a terrible angst(?)/pressure in relationships if something goes...
by IHateCasinos
Wed Apr 26, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 6110

Re: Best vacuum cleaner for pet hair?

as good as it gets:
Furminator = just astonishing! :sharebeer
vacumn: Sweethome.com tells you what home stuff is the best.
thewirecutter.com tells you what tech stuff is the best.
by IHateCasinos
Tue Apr 25, 2017 1:37 pm
Forum: Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 18463

Re: Too much inheritance to handle. Advice needed

... He already got you on the sales charge. ... Bottom line, getting out will cost you 1% now. Staying in will cost you 1.81% more if you wait a year. The money from the sales charge is already lost. You don't get it back if the fund earns it back. That's mental accounting, which means your brain i...
by IHateCasinos
Tue Apr 25, 2017 1:13 pm
Forum: Personal Investments
Topic: Investing $1M
Replies: 57
Views: 8302

Re: Investing $1M

Hi everyone, I am pretty new to this, having just read Bogle's little red book, and wanted to know how to apply to my current situation in today's economy. I will say I am pretty hurt and dismayed from people accusing me of being fictitious, not having a clue, and coming into money via luck. I also...
by IHateCasinos
Thu Apr 20, 2017 12:51 pm
Forum: Personal Investments
Topic: Timing Assets Within Your Portfolio
Replies: 14
Views: 1845

Re: Timing Assets Within Your Portfolio

Perfect. Just perfect. That's going on my refrigerator!! :sharebeer Marc Markets are always making all time highs. If they didn't who would invest? Just because international is off its high or hasn't performed doesn't mean it won't continue that performance. What you are describing is market timing...
by IHateCasinos
Wed Mar 08, 2017 8:16 pm
Forum: Personal Investments
Topic: Opening Accounts with Vanguard on an F1 Visa
Replies: 2
Views: 1078

Re: Opening Accounts with Vanguard on an F1 Visa

hmm. havent tried it , but if they let u open the account, how do they know when your studies end and force you to close it? They will probably just flag it as a non-us taxpayer with no SSN. Probably you will have to fill in the W8BEN form, and then the 30% deduction tax deduction is automatically t...
by IHateCasinos
Tue Mar 07, 2017 5:33 pm
Forum: Personal Investments
Topic: 27 yrs old. Reading Bogleheads guide to investing. Still need help.
Replies: 24
Views: 2690

Re: 27 yrs old. Reading Bogleheads guide to investing. Still need help.

You have gotten great advice, just wanted to throw out there that Schwab has Target Retirement Index funds too, and the ER is lower than Vanguard's. The minimum to open one at Schwab is also only $100 (no need to save up for the $1000 minimum at Vanguard) which is the main reason my son's Roth IRA ...
by IHateCasinos
Mon Mar 06, 2017 5:04 pm
Forum: Personal Investments
Topic: For those considering "magic" annuities
Replies: 10
Views: 2338

Re: For those considering "magic" annuities

cheese_breath wrote:Didn't read the article, but I liked the picture. Looks like the guy in the front row is asleep. A good nap after a free dinner is the way to go. :D
Definately asleep! But it might just be boredom... :happy
by IHateCasinos
Thu Feb 09, 2017 5:32 pm
Forum: Personal Investments
Topic: Recommended books and resources to fully understand how the world stock market works.
Replies: 36
Views: 3984

Re: Recommended books and resources to fully understand how the world stock market works.

Hi, since you are posting on the bogleheads forum, you should probably start with the book "the little book of common sense investing" by john bogle. Its a somewhat short read. You will then find that most of your questions are answered / your suspicions confirmed. then join the discussions on this ...
by IHateCasinos
Thu Jan 19, 2017 8:05 pm
Forum: Personal Investments
Topic: 50 Year Old Late Starter With Questions
Replies: 58
Views: 7780

Re: 50 Year Old Late Starter With Questions

(Each of those $40 lumps would become $500+ in 10 years.) You are concerned about Vanguard's fees why? Which fees are those? I know you may see me as being stubborn about this, but the math on costs is really strong and something Bogleheads are really passionate about. Caligirl - the BEST part of y...
by IHateCasinos
Thu Jan 12, 2017 3:12 pm
Forum: Personal Investments
Topic: $600,000. Now what?
Replies: 55
Views: 12356

Re: $600,000. Now what?

boglephreak wrote:wow, NRZ dropped from 24 to 12 in a week (October 10-17, 2014).
it was a 1:2 split.
by IHateCasinos
Thu Jan 12, 2017 3:04 pm
Forum: Personal Investments
Topic: $600,000. Now what?
Replies: 55
Views: 12356

Re: $600,000. Now what?

if we told everyone who ever tried to swing for the fences to calm down and just hit guaranteed singles, there would be no Hank Aaron's in this world. You really need to think more about this analogy. If everyone swings for the fences, and only 1% are Hank Aarons, then 99% of people strike out. Whi...
by IHateCasinos
Wed Jan 11, 2017 2:47 pm
Forum: Personal Investments
Topic: $600,000. Now what?
Replies: 55
Views: 12356

Re: $600,000. Now what?

you are SO lucky. but ONLY because you have found this site at your early age and with cash in pocket. Step away from the table NOW. its gambling, nothing else! The guys on this site, are all jealous -that you found bogleheads so early and with cash to invest - , not because you picked ONE winner (b...
by IHateCasinos
Tue Sep 27, 2016 9:11 pm
Forum: Personal Consumer Issues
Topic: Computer backup options
Replies: 21
Views: 2574

Re: Computer backup options

Another potential option: For $69.99 (1 pc) or $99.99 (5 pc) you can get 1 year of Office 365. https://products.office.com/en-us/compare-microsoft-office-products Each comes with 1TB of OneDrive (cloud) storage. You automatically back up files you place in the OneDrive folders. You also get the "la...