Search found 1814 matches

by BogleMelon
Fri May 24, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Is there a cheaper way to go to Long Island, NY?
Replies: 19
Views: 873

Re: Is there a cheaper way to go to Long Island, NY?

We live 2.5 hours north and a little east of Times Square by car. We avoid the George Washington Bridge like the plague. You can get in a traffic jam on it at almost any time of the day on any day of the year. If you do cross it, then you are on the Cross Bronx Expressway, another nightmare. I used...
by BogleMelon
Fri May 24, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Is there a cheaper way to go to Long Island, NY?
Replies: 19
Views: 873

Re: Is there a cheaper way to go to Long Island, NY?

No. Only way to game it is to take the Mario Cuomo/Tappan Zee on way into NY. Is 90-120 minutes in confined space worth $10 (this excludes additional gas cost)? This isn’t even a game, there’s a toll to go over the Tappan Zee and then you either pay the toll over the Triboro Bridge, the White Stone...
by BogleMelon
Fri May 24, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: Is there a cheaper way to go to Long Island, NY?
Replies: 19
Views: 873

Re: Is there a cheaper way to go to Long Island, NY?

No. Only way to game it is to take the Mario Cuomo/Tappan Zee on way into NY. Is 90-120 minutes in confined space worth $10 (this excludes additional gas cost)? This isn’t even a game, there’s a toll to go over the Tappan Zee and then you either pay the toll over the Triboro Bridge, the White Stone...
by BogleMelon
Fri May 24, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Is there a cheaper way to go to Long Island, NY?
Replies: 19
Views: 873

Re: Is there a cheaper way to go to Long Island, NY?

No. Only way to game it is to take the Mario Cuomo/Tappan Zee on way into NY. Is 90-120 minutes in confined space worth $10 (this excludes additional gas cost)? This isn’t even a game, there’s a toll to go over the Tappan Zee and then you either pay the toll over the Triboro Bridge, the White Stone...
by BogleMelon
Fri May 24, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Is there a cheaper way to go to Long Island, NY?
Replies: 19
Views: 873

Re: Is there a cheaper way to go to Long Island, NY?

IngognitoUSA wrote:
Fri May 24, 2019 10:57 am
Don't take verrazano bridge back, it is one way toll and hefty.
I got a bit confused. Which way is the free one? I assume from NY to NJ. This is "back" for me
by BogleMelon
Fri May 24, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Is there a cheaper way to go to Long Island, NY?
Replies: 19
Views: 873

Re: Is there a cheaper way to go to Long Island, NY?

Fresh Air wrote:
Fri May 24, 2019 10:45 am
Hey there,

Which way are you going (and how much are you spending) now? Are you talking every weekday for commuting? And do you have a NY or NJ EZ-Pass? The NY one will save you on the crossings.
No, it is just a one time trip back and forth in 2 different days. I have NJ Ez-pass
by BogleMelon
Fri May 24, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Is there a cheaper way to go to Long Island, NY?
Replies: 19
Views: 873

Is there a cheaper way to go to Long Island, NY?

I will be driving from central NJ to Long Island, NY, and back. I have EZ pass but was thinking if the toll of all the bridges and tunnels are all the same, or is a cheaper bridges/tunnels that could save me some money. PS: I hate driving inside Manhattan, so a bonus would be to avoid that as well. ...
by BogleMelon
Thu May 23, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: What is the best way to test drive cars?
Replies: 39
Views: 2822

Re: What is the best way to test drive cars?

Sorry.....I'd say ignore everything said here. Having test driven cars for fun for 40 years, here's what you do to minimize the wasted time, since you only want to drive. Go in on Saturday, on a nice day, when it's busy as hell. Don't make an appointment, don't do any prep work. The goal is to get ...
by BogleMelon
Thu May 23, 2019 9:52 am
Forum: Investing - Theory, News & General
Topic: How to "lie" with Personal Finance
Replies: 28
Views: 4821

Re: How to "lie" with Personal Finance

Very interesting article, Thank you! I have a question regarding: Every time a study states that withdrawals are inflation adjusted but there is no further mention of what was done to the portfolio values over time If the portfolio balance was based on the real return of the market (and not the nomi...
by BogleMelon
Thu May 23, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: What is the best way to test drive cars?
Replies: 39
Views: 2822

Re: What is the best way to test drive cars?

Hello! Soon I will be replacing my 10 years old Hyundai with preferably a Toyota or a Honda car. I am not sure yet which model exactly I am going to buy, as I haven't driven any of the recommended ones on my list. My question is what is the best approach to go and test drive these cars without wast...
by BogleMelon
Thu May 23, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: What is the best way to test drive cars?
Replies: 39
Views: 2822

What is the best way to test drive cars?

Hello! Soon I will be replacing my 10 years old Hyundai with preferably a Toyota or a Honda car. I am not sure yet which model exactly I am going to buy, as I haven't driven any of the recommended ones on my list. My question is what is the best approach to go and test drive these cars without wasti...
by BogleMelon
Fri May 17, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Dealer or Local Mechanic?
Replies: 41
Views: 1943

Re: Dealer or Local Mechanic?

Story #1 I have a 2009 used Sonata that I bought in 2014. It shows that the previous owner had its transmission replaced at 60K miles at independent chain mechanic. after a couple of years of buying it, a check engine came on showing a transmission error. All the mechanics insisted that I should reb...
by BogleMelon
Thu May 16, 2019 11:27 am
Forum: Personal Investments
Topic: Taxable Account to avoid sitting on the sidelines!
Replies: 13
Views: 1074

Re: Opening Taxable Account to avoid sitting on the sidelines!

Jags4186 wrote:
Thu May 16, 2019 11:24 am
You should look at all of your money as one big sum which gets an asset allocation.
I have always been wondering, should that include EF, saving for the upcoming car, saving for insurance deductible..etc?
by BogleMelon
Tue May 14, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Dale Carnegie training
Replies: 23
Views: 2517

Re: Dale Carnegie training

I took it through my employer years ago. Because of it, I was able to be mindful of my body language while being interviewed at the US embassy back in my home country. I got the US visa (most people got denied), and now I am a US citizen! Not saying it was the only reason of course, but it had contr...
by BogleMelon
Tue May 07, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Walk away from my auto lease?
Replies: 154
Views: 7350

Re: Walk away from my auto lease?

Yes I'm withholding information. My name, address, AGI, and some other stuff too. What seems bizarre to me is the insistence on knowing the make and model of the car I drive. It is not the car YOU drive, it is the car that its transmission failed at 5,000 so we may avoid buying it! Too much for ask...
by BogleMelon
Tue May 07, 2019 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Walk away from my auto lease?
Replies: 154
Views: 7350

Re: Walk away from my auto lease?

I did not abuse it. I've been fighting this but I don't want to go to court and I'm getting nervous about my credit. I don't know what else to do. I'm trying to be practical. I understand your anxiety, but if I were you, I would rather pay a lawyer $5000 than fixing the transmission with the same a...
by BogleMelon
Tue May 07, 2019 8:09 am
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 13261

Re: I tried to fire my financial advisor of 12 years today...

I actually owe him a lot No you do NOT! He made money out of you already. He took and still taking what you owe him instantly. So you owe him zero at this point. I agree with others, do not take this personally. He probably more wealthy than you are, yet he is the one who is begging for you "to sta...
by BogleMelon
Fri May 03, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: How "trade in a leased car" for another used car works, without a down payment?!
Replies: 4
Views: 583

How "trade in a leased car" for another used car works, without a down payment?!

A friend of mine is leasing a car. He is broke, in debts and unwilling to get ahead. His choice anyways. Recently, I asked him on what he plans after his current lease expires, especially he has no down payment. He said that he asked the finance people of his car manufacturer (he trusts finance sale...
by BogleMelon
Thu May 02, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 5764

Re: Car lost acceleration

A highly reviewed locally owned shop will be a lot more affordable than a dealer. Not always. I once used a local mechanic with good reviews everywhere, even people on a township local Facebook group recommended him, but this mechanic quoted me more than the dealership cost! I walked away, paid for...
by BogleMelon
Thu May 02, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Disability insurance for 33 year old
Replies: 4
Views: 552

Re: Disability insurance for 33 year old

Usually, the big players are: Berkshire Life (Guardian) MetLife, Union Central Life (First Ameritas Life Insurance Corp. of New York, when purchased in New York) Principal MassMutual Standard Insurance Company (not available in New York). WCI wrote so many great articles on the subject: https://cse....
by BogleMelon
Wed May 01, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Buying car using carvana.com
Replies: 22
Views: 1717

Re: Buying car using carvana.com

Can you buy new cars from them? Is there a no hassle company that sells new cars? I wish. Only used. I bought from Carvana - overall I thought it was a good experience. A couple of minor bumps along the way - they had to reschedule delivery date once because car couldn't arrive on time. I could hav...
by BogleMelon
Wed May 01, 2019 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Infertility treatments/insurance/job situation
Replies: 44
Views: 3301

Re: Infertility treatments/insurance/job situation

Be aware if you changed jobs only to fall in the "self-insurance trap". Here is my story. I am in NJ as well. Was working in a company with lower pay than the market considering my career, the insurance was covering IVF so we went for it. While in the middle of it I got another way better opportunit...
by BogleMelon
Wed May 01, 2019 10:24 am
Forum: Personal Investments
Topic: Lucky?
Replies: 34
Views: 3142

Re: Lucky?

smpatel wrote:
Tue Apr 30, 2019 7:59 pm
/studied and dived in at a good time,
What kind of study did you perform exactly? Unless you can see something different than the rest of the world, then you were just lucky.
The market is so efficient that it is very hard to spot a stock that is priced cheaper than its real value
by BogleMelon
Fri Apr 26, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Citi Double Cash 2.5% until Feb 2021 with Citi checking/savings account
Replies: 18
Views: 3359

Re: Citi Double Cash 2.5% until Feb 2021 with Citi checking/savings account

I have the Citi double card though and the card is OK (customer service, interface..etc) are all OK for the card. So I churned Citi checking and saving accounts thinking it would be as good experience. I was wrong. Worst banking experience ever! I would highly advise against Citi checking and saving...
by BogleMelon
Thu Apr 25, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 11774

Re: Who is buying 1-3 year old used Toyotas and Hondas?

Any car that is traded at a year is either a lemon, or the buyer isn't bright. There is no reason to buy a 1 year old vehicle. The only exception might be someone that gets great deals and flips cars, like a family member. We can buy a Ford for a great price, and have to hold it for 6 months. Howev...
by BogleMelon
Thu Apr 25, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: How much House should I Buy?
Replies: 51
Views: 4500

Re: How much House should I Buy?

This post will be Klangfooled in 5,4,3....

No disrespect here, I actually enjoy and have much respect to Klangfool responses.. Waiting for him to chime in..
by BogleMelon
Thu Apr 25, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus to Pixel 2, did I do a mistake?
Replies: 4
Views: 708

Moto G5 Plus to Pixel 2, did I do a mistake?

11 months ago I purchased a used $175 Moto G5 Plus phone from a seller on Swappa. The phone was fine since then, except: 1- I didn't really like how slow it is when playing games! 2- I didn't like the single non-stereo speaker compared to the Moto X pure I had before that had 2 stereo front speakers...
by BogleMelon
Tue Apr 23, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Cheapest place to get a replacement Subaru key
Replies: 7
Views: 881

Re: Cheapest place to get a replacement Subaru key

A couple of years ago, I bought 2016 Mazda with one key. I bought aftermarket fob key from a reputable ebay seller ($30 something) and went to a AAA "certified" keysmith. He cut the key itself without an issue but failed to program it and claimed that the key is faulty. I then went with the same unp...
by BogleMelon
Fri Apr 12, 2019 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 579
Views: 66610

Re: Fidelity as a one stop shop

Horsefly wrote:
Fri Apr 12, 2019 4:45 pm
mighty72 wrote:
Fri Apr 12, 2019 4:39 pm
Wiki entry, please add to it
https://www.bogleheads.org/w/index.php? ... elcome=yes
Well done!!
:beer
Time to claim some royalties fees from Fidelity. I made them more famous :twisted:
by BogleMelon
Thu Apr 11, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 579
Views: 66610

Re: Fidelity as a one stop shop

I've searched this topic for "MS Money" and for Quicken and didn't find a result. I've migrated from Vanguard Advantage to Fidelity CMA. I'd like to continue using MS Money to track my accounts. Money will take batch downloads in Quicken format. After searching the Fidelity site for batch downloadi...
by BogleMelon
Tue Apr 09, 2019 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 18784

Re: Wife hates new job...wants to quit after 1 day

I would personally enjoy my coffee on that table, playing games on my cellphone, applying on new jobs with my cellphone, while getting paid for doing all of that! When they decide to lay me off, I would get unemployment benefits. However, if that gets mental for her, health becomes #1 and she could ...
by BogleMelon
Fri Apr 05, 2019 1:08 pm
Forum: Personal Investments
Topic: Do I have too much cash?
Replies: 16
Views: 3118

Re: Do I have too much cash?

So what would be the threshold upon which I should consider adding some stocks fund in taxable?
by BogleMelon
Thu Apr 04, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Federal tax refund? What are you doing with it?
Replies: 54
Views: 2446

Re: Federal tax refund? What are you doing with it?

I don't see a reason to treat my tax refund (if any) in a different way than my income money. It is all entered my budget and considered "Income". A dollar is a dollar. Thus, all of my income is counted the same way, and fund my categories according to my monthly needs then wants.
by BogleMelon
Thu Apr 04, 2019 8:58 am
Forum: Personal Investments
Topic: Dead soon...Where to Invest?
Replies: 19
Views: 4313

Re: Dead soon...Where to Invest?

If you care about your heirs, do the 30/70. If not, it doesn't matter. Your cash (even as cash) will outlive you. +1 No need to risk money in the stock market if you: 1- don't have a long enough time span 2- Unwilling to take the risk 3- Don't need to take the risk (have enough cash to live on with...
by BogleMelon
Thu Apr 04, 2019 8:31 am
Forum: Personal Investments
Topic: Do I have too much cash?
Replies: 16
Views: 3118

Re: Do I have too much cash?

12% tax rate!!! Is that before your tax deferred contributions are subtracted? If so, it looks to me like the best advice is to pay your taxes! (and use Roth). Perhaps a non-deductible IRA might be useful as a backdoor. Yes, $50K is prudent. No, 12% is my marginal tax rate. That is based on my AGI ...
by BogleMelon
Thu Apr 04, 2019 7:26 am
Forum: Personal Investments
Topic: Do I have too much cash?
Replies: 16
Views: 3118

Re: Do I have too much cash?

Thank you for replies. For those who ask: - Yes, I will be eligible for SS - My cash currently doesn't have (buying a home) as a goal. Klangfool convinced me I am still so poor and can't afford it :annoyed :mrgreen: - I use virtual envelope system budgeting, specifically YNAB. So no need to physical...
by BogleMelon
Wed Apr 03, 2019 12:38 pm
Forum: Personal Investments
Topic: Do I have too much cash?
Replies: 16
Views: 3118

Do I have too much cash?

Between EF, short-term & mid-term savings, amount ready to be donated I have a bit over $50K in saving accounts. The rest of our net worth ($108K) is invested in a 3-fund portfolio with 80%-20% stocks-bonds across all tax-advantaged accounts Age 39 married no kids (started saving late due to being a...
by BogleMelon
Mon Apr 01, 2019 10:02 am
Forum: Investing - Theory, News & General
Topic: Which Vanguard Dividend Fund to pick?
Replies: 47
Views: 3413

Re: Which Vanguard Dividend Fund to pick?

Why do you want dividends? Dividends are not good. You should be looking at the Vanguard Total Stock Market Index Fund instead. I was just looking to diversify my portfolio. I already own the vanguard total stock market index fund. OP, If you own Total Stock Market Index Fund instead then you own e...
by BogleMelon
Mon Apr 01, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: Any Insurance Products better than the Stock Market?
Replies: 22
Views: 1770

Re: Any Insurance Products better than the Stock Market?

Let's see. Insurance definition: A practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss , damage , illness , or death in return for payment of a premium. Source: https://www.collinsdictionary.com/us/dictionary/english/insurance I don...
by BogleMelon
Fri Mar 29, 2019 2:22 pm
Forum: Personal Investments
Topic: Ally Vs Redneck Vs etc
Replies: 18
Views: 1120

Re: Ally Vs Redneck Vs etc

Banks that are FDIC insured are backed by the government under 250k per account. In that aspect, yes, they are absolutely principal safe. And online banks --> open online. When you move money, make sure to request the transfer from the bank receiving the money (banks generally like getting $ and ha...
by BogleMelon
Fri Mar 29, 2019 2:21 pm
Forum: Personal Investments
Topic: Ally Vs Redneck Vs etc
Replies: 18
Views: 1120

Re: Ally Vs Redneck Vs etc

Guys... i was looking for redneck and ally in the FDIC bank search list and shows no such bank. Also member of FDIC is that same as insured by FDIC? just making sure before i move monies... Ally: https://research.fdic.gov/bankfind/detail.html?bank=57803&name=Ally%20Bank&searchName=Ally&searchFdic=&...
by BogleMelon
Fri Mar 29, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage Account Theft Insurance?
Replies: 10
Views: 717

Re: Brokerage Account Theft Insurance?

Not sure why you said that SIPC not covering it. From what I am reading: SIPC protects against the loss of cash and securities – such as stocks and bonds – held by a customer at a financially-troubled SIPC-member brokerage firm. The limit of SIPC protection is $500,000, which includes a $250,000 li...
by BogleMelon
Fri Mar 29, 2019 10:22 am
Forum: Non-US Investing
Topic: Can Low income ppl become millionaire? [Hong Kong]
Replies: 38
Views: 2656

Re: Can Low income ppl become millionaire? [Hong Kong]

I don't know about Hong Kong, but my advice to you is not to save or invest unless you paid off your personal loan. I presume that since it is a loan with no collateral assets, it must have a high interest rate. After that, keep living below your means, save for emergency in cash, and invest accordi...
by BogleMelon
Fri Mar 29, 2019 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage Account Theft Insurance?
Replies: 10
Views: 717

Re: Brokerage Account Theft Insurance?

Not sure why you said that SIPC not covering it. From what I am reading: SIPC protects against the loss of cash and securities – such as stocks and bonds – held by a customer at a financially-troubled SIPC-member brokerage firm. The limit of SIPC protection is $500,000, which includes a $250,000 lim...
by BogleMelon
Fri Mar 29, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 87
Views: 5742

Re: What to see in Philly?

by BogleMelon
Wed Mar 27, 2019 10:19 pm
Forum: Personal Investments
Topic: How much should I pay for a financial advisor?
Replies: 27
Views: 1721

Re: How much should I pay for a financial advisor?

Was expecting someone to mention this before I do, but this is a good short read:
https://www.etf.com/docs/IfYouCan.pdf
by BogleMelon
Wed Mar 27, 2019 10:15 pm
Forum: Investing - Theory, News & General
Topic: How much $$ would it take for you walk away from investing?
Replies: 45
Views: 4183

Re: How much $$ would it take for you walk away from investing?

You can never be risk free. Cash comes with inflation risk certainty.