Search found 1248 matches

by zhiwiller
Fri Jul 28, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 128
Views: 8913

Re: Is Amazon Prime worth it?

I use the free shipping like mad, but it's all the little perks that keep me in. Everyone's use case will be different. For instance, I'll guess you probably don't preorder as many video games as I do. Each time I do, my Prime membership gives me ~$13 off. I used to use the Kindle lending library a ...
by zhiwiller
Fri Jun 23, 2017 10:06 am
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 8812

Re: Costco vs. Amazon - Thoughts of Prime Members?

I let my CostCo membership lapse. I am a Prime member, but those two things aren't closely related. [*] The warehouse shopping experience is horrible. If you want to get a particular thing, you have to fight the shoulder-to-shoulder swerving looky-loos that run into you and then give you the stinkey...
by zhiwiller
Sun Jun 11, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 31854

Re: Tesla Model 3 or Chevy Bolt?

I must admit, I will not likely get either for a while.. have about 6 years before the wheels fall off of the car I have. But, having said that, I was in Detroit last week and saw a Chevy Bolt at no other than a BP gas station. What was it doing there? Charging!!! The BP station had chargers and th...
by zhiwiller
Wed May 31, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 31854

Re: Tesla Model 3 or Chevy Bolt?

Traded in my 10 year old Civic last month and got a Bolt. Still in the Honeymoon period, but its the best car I've ever owned so far.
by zhiwiller
Thu May 25, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Should I drink or sell my Pappy 12 year?
Replies: 65
Views: 7603

Re: Should I drink or sell my Pappy 12 year?

No one answered how much it goes for in open market.
by zhiwiller
Wed May 24, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs Schwab Total Stock Market Index Fund
Replies: 29
Views: 3044

Re: VTSMX vs Schwab Total Stock Market Index Fund

It holds 2,367 stocks to VTSMX's 3,575. Will that matter? Probably not. I'd feel comfortable with either and would be put out by Vanguard's expensive-in-comparison 0.15%. I know Schwab subsidizes it to keep the expense ratio low, but even if they didn't, it would probably be a nominal difference.
by zhiwiller
Mon May 22, 2017 7:42 pm
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 92
Views: 11758

Re: Zacks says sell Wellesley!?

Dottie57 wrote:
jhfenton wrote:Zack's ratings are complete and utter nonsense. You would be better served by forgetting that they exist.



Who is zack? And why care what he says?



Sorry guys. - zack
by zhiwiller
Sat May 13, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: 100% Total International (0% US equity) for new investor?
Replies: 36
Views: 2869

Re: 100% Total International (0% US equity) for new investor?

TropikThunder wrote:http://awealthofcommonsense.com/2014/02/worlds-worst-market-timer/


Excellent link--I couldn't say it better.

Nestle, the largest holding in Total International. is 2.5% off its all time high.
by zhiwiller
Sat May 13, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Help convince me it's okay (or not): new vehicle
Replies: 30
Views: 2928

Re: Help convince me it's okay (or not): new vehicle

I just bought a car last weekend, so I am very familiar with this internal struggle. I like my vehicle. Feel free to laugh, but it's the nicest vehicle I've ever owned. The seats are SO comfortable for my body size. This is the most important part. You clearly have your finances under control, so yo...
by zhiwiller
Wed Mar 29, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Few questions to those who switched to Ally Checking
Replies: 69
Views: 6341

Re: Few questions to those who switched to Ally Checking

I've used Everbank for the past ten+ years and recommend them. I try not to keep too much in checking (I don't often have the 15k in checking that would trigger the Ally rate), but Everbank is doing 1.11% for the first year and then a pretty good rate afterwards (They have a pledge to be in the top ...
by zhiwiller
Wed Sep 16, 2015 12:06 pm
Forum: Investing - Theory, News & General
Topic: Yale collects Interest on Dutch Bond from 1648
Replies: 15
Views: 2302

Re: Yale collects Interest on Dutch Bond from 1648

Shouldn't it have to pay in guilders?
by zhiwiller
Fri Jan 16, 2015 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 8903

Re: Reporter doing story on Turbo Tax Fracas

Used TaxAct for 7ish(?) years. I'm not sure what the above posters are referring to with regards to it being confusing. I have normal income, consulting income, and author royalties every year but I guess my situation is not that complicated?

Come on Bogleheads; take the cheap option. :happy
by zhiwiller
Sat Jan 10, 2015 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a house?
Replies: 31
Views: 4833

Re: Can we afford to buy a house?

If I go the route of a no PMI loan, I assume I should expect a higher rate to off-set the risk, or are lenders sometimes willing to go with no PMI even with no interest rate increase based on the credit score? Depends on the loan market in your area at the time. In theory, yes, that should be the c...
by zhiwiller
Fri Jan 09, 2015 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a house?
Replies: 31
Views: 4833

Re: Can we afford to buy a house?

My wife and I are approximately your ages and bought our home 2 years ago. We found a bank willing to do a 10% down no PMI loan for a good rate. Rates are not nearly as good now, but we got lucky. Your mileage may vary. We didn't need any fancy programs. You are in a better financial position than w...
by zhiwiller
Fri Oct 03, 2014 2:44 pm
Forum: Personal Consumer Issues
Topic: Invest in Bowflex Max Trainer?
Replies: 25
Views: 12624

Re: Invest in Bowflex Max Trainer?

My planet fitness membership was $99 for 12 months and they have all the equipment you could ever need. Don't buy overpriced stuff based on a dream.
by zhiwiller
Thu Sep 25, 2014 1:21 pm
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 6381

Re: We're all going to die!!!

The price is back to what it was a month ago. Still up 6% of so YTD?
by zhiwiller
Tue Aug 26, 2014 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Can a Boglehead put down 10% on a house?
Replies: 30
Views: 3307

Re: Can a Boglehead put down 10% on a house?

Some banks that hold their own loans will do 10% without PMI. That's what we did.
by zhiwiller
Wed Jun 25, 2014 1:28 pm
Forum: Personal Consumer Issues
Topic: Directv
Replies: 36
Views: 3363

Re: Directv

They called me with the free NFL Sunday Ticket/HBO thing and I stupidly accepted. Five separate calls to billing in a two-month period to get them to fix their mistakes and they, of course, extended my contract. Too many shenanigans. Just give me a price instead of having sixteen different prices th...
by zhiwiller
Mon Feb 10, 2014 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tips for making iPhone apps
Replies: 13
Views: 1415

Re: Tips for making iPhone apps

If you are looking to make mobile games, all the folks at the indie studios (and some of the big boys) that I know have switched to Unity, which is mostly C#.
by zhiwiller
Sat Jun 22, 2013 9:59 pm
Forum: Investing - Theory, News & General
Topic: Gold continues its free fall
Replies: 34
Views: 5610

Re: Gold continues its free fall

Confirmation bias, this thread has it.
by zhiwiller
Fri May 24, 2013 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance Question
Replies: 13
Views: 1175

Re: Mortgage Refinance Question

Just wanted to bump this thread to let you helpful folks know that I completed my refi with First Internet Bank and had no problems. The closing costs were significant, but I was also buying a little bit of points to get my rate down to 3.125%. This was the one the mortgage calculators told me would...
by zhiwiller
Fri May 24, 2013 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: 401k plan changing for the worst
Replies: 2
Views: 2067

Re: 401k plan changing for the worst

All is not necessarily lost. My employer uses Principal and our 401(k) has the full suite of Vanguard Total Retirement funds. I just 100% the correctly timed fund there. I hope you get the same option.
by zhiwiller
Tue Apr 23, 2013 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance Question
Replies: 13
Views: 1175

Re: Mortgage Refinance Question

Thanks, everyone. I always know I can get helpful advice here. :happy
by zhiwiller
Tue Apr 23, 2013 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance Question
Replies: 13
Views: 1175

Mortgage Refinance Question

Hi all, My wife and I bought our first home a little over a year ago. It's a great place and we got it waaay under its appraised value (shh). As such, we already have significant "on paper" equity. As far as our mortgage, we don't have a lot of it paid down since it was only a year ago. Re...
by zhiwiller
Tue Apr 09, 2013 10:11 am
Forum: Personal Consumer Issues
Topic: Living in Pittsburgh
Replies: 70
Views: 6058

Re: Living in Pittsburgh

I grew up in the suburbs and went to Carnegie Mellon. I love Pittsburgh, but I moved away because my particular industry isn't well-represented in Pittsburgh and the weather is just so much better in Orlando where I am now. Pittsburgh is a wonderful town. Many of the suburbs are truly inexpensive, b...
by zhiwiller
Thu Apr 04, 2013 1:47 pm
Forum: Personal Consumer Issues
Topic: McDonalds wants a college degree!
Replies: 9
Views: 1658

Re: McDonalds wants a college degree!

DAK wrote:A college degree is like a high school diploma these days.


Accreditation standards are so low that a college degree isn't even as good as what we would expect a high school diploma to be.
by zhiwiller
Tue Mar 05, 2013 10:22 pm
Forum: Personal Consumer Issues
Topic: Ipod docking player
Replies: 6
Views: 581

Re: Ipod docking player

Not sure what the "battery issue" is that the reviewers mention, but I've used mine at parties for a few hours with no issues.
by zhiwiller
Wed Feb 06, 2013 10:02 pm
Forum: Personal Consumer Issues
Topic: Ready to buy a house....
Replies: 58
Views: 7137

Re: Ready to buy a house....

I got a higher interest rate loan without PMI (10% down) on the silly assumption that since interest is deductible that it would be cheaper in the long run than a lower interest rate loan with PMI. Unfortunately in doing my taxes this year, I don't have enough deductions to itemize, so the deductibi...
by zhiwiller
Wed Jan 23, 2013 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: 2 Years Out of College, MBA Plan
Replies: 23
Views: 3977

Re: 2 Years Out of College, MBA Plan

The job market is saturated with MBAs. It's not like it was back in the '60s, when there were just 5,000 MBA grads per year. I think the number now is around 500,000 newly minted MBAs per year. So many schools have turned into diploma mills. In 2008, I lost my job and had no idea what to do with my...
by zhiwiller
Fri Jan 18, 2013 11:42 am
Forum: Personal Consumer Issues
Topic: Shrinking Snickers bars
Replies: 50
Views: 4616

Re: Shrinking Snickers bars

Assuming that the companies are dumb and not the customers is an interesting choice. Generally, companies are fastidious about making the choices that make them the most profit, even when the choices border on the immoral. Meanwhile, consumers regularly make myopic choices based on clueless, knee-j...
by zhiwiller
Tue Dec 18, 2012 6:41 pm
Forum: Personal Consumer Issues
Topic: Is Mint a security risk?
Replies: 21
Views: 2873

Re: Is Mint a security risk?

No more a security risk than Vanguard disallowing strong passwords.
by zhiwiller
Thu Dec 13, 2012 4:45 pm
Forum: Personal Consumer Issues
Topic: Bogleheads T-Shirt Possible Design(s)
Replies: 104
Views: 9152

Re: Bogleheads T-Shirt Possible Design(s)

All these members and we don't have a graphic designer on this board? If you want to put the Boglehead philosophy on it, we could always just staple a Boglehead's Guide to the collar. It would be about as readable. I'm a big fan of the styles at http://www.arquebusclothing.com/category/tees for this...
by zhiwiller
Sat Dec 08, 2012 2:23 am
Forum: Investing - Help with Personal Investments
Topic: 23 Year Old--New Investor
Replies: 7
Views: 1198

Re: 23 Year Old--New Investor

When you have $3k in a taxable account, it really doesn't matter how tax inefficient it is. According to VG's web site, you would lose 1.11% over ten years to taxes with Wellington and 0.29% with Total Stock Market. On $3,000, that's an $25 difference over 10 years. Insignificant. The important thin...
by zhiwiller
Sat Dec 08, 2012 1:13 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- One month to go.
Replies: 17
Views: 1775

Re: BOGLEHEAD CONTEST -- One month to go.

Nisi's guess of 12579.10 is wonderfully optimistic. I'm rooting for him. The first time I played was in the 2007 contest. The S&P was around 1442. I remember saying "maybe it will be a good year" and added 15% to get 1659.06. I've played 1659.06 every year since (on the years I've reme...
by zhiwiller
Sat Dec 08, 2012 1:01 am
Forum: Investing - Theory, News & General
Topic: The anti-Taleb reviews Antifragile
Replies: 197
Views: 29062

Re: The anti-Taleb reviews Antifragile

Levett wrote:We can't have enough of unique people who make us rethink what we thought we knew.


You've come to the wrong forum. :happy
by zhiwiller
Tue Dec 04, 2012 11:00 am
Forum: Investing - Theory, News & General
Topic: Is gold finally stalling out?
Replies: 105
Views: 5538

Re: Is gold finally stalling out?

Is AAPL finally stalling out? I couldn't help but notice it peaked in September at 705. It dipped to about 527 and has been limping along ever since.

Stay the course.
by zhiwiller
Thu Nov 22, 2012 2:02 pm
Forum: Investing - Theory, News & General
Topic: GLD gold etf is doomed to fail?
Replies: 47
Views: 5006

Re: GLD gold etf is doomed to fail?

Maybe we should start a subforum where the same people can make the same tired arguments on why Gold never works, is held by stupid people and criminals, etc.
by zhiwiller
Fri Nov 09, 2012 3:14 pm
Forum: Personal Consumer Issues
Topic: Security issues at one of the biggest mutual fund companies
Replies: 33
Views: 3780

Re: Security issues at one of the biggest mutual fund compan

As others have already responded, security questions do very little to increase your security if you answer them accurately. That is because you can gather such answers very easily from social networking and public record aggregation sites. Right. They violate one of the few password security princ...
by zhiwiller
Thu Oct 04, 2012 10:29 am
Forum: Investing - Help with Personal Investments
Topic: how would you invest 100 K?
Replies: 4
Views: 961

Re: how would you invest 100 K?

At 20, I wouldn't make any long-term illiquid decisions. Between the ages of 20 and 29, I lived in seven places (three states), I changed jobs four times, I met and then married my wife. A lot can happen in a little time. What happens if you lose your primary job / want to go to grad school / find a...
by zhiwiller
Thu Oct 04, 2012 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Amex Blue Cash Everyday VS Amex Fido 2% cash back...
Replies: 40
Views: 15406

Re: Amex Blue Cash Everyday VS Amex Fido 2% cash back...

I hardly come across any merchants who do not accept Amex It depends on where you live. When I lived in NYC, I had much less success using my Amex card and had to carry cash a lot more. Here in FL, most everywhere accepts it except for some discount gas stations and more mom-n-pop-style restaurants...
by zhiwiller
Thu Oct 04, 2012 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Any regrets moving from a active manager to passive indexing
Replies: 52
Views: 5564

Re: Any regrets moving from a active manager to passive inde

None.

But I doubt you will find many on this particular forum with a contrary opinion.
by zhiwiller
Thu Aug 09, 2012 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Are we ready (enough) to buy a house?
Replies: 29
Views: 3302

Re: Are we ready (enough) to buy a house?

A home is not just a financial transaction but also an emotional one. "emotions" don't pay the mortgage when one of them loses a job, and the parents can't help out as originally hoped. That $40K of theirs would be down to $0 in 8 months with their $5K monthly expenses. I'm assuming they ...
by zhiwiller
Wed Aug 08, 2012 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Are we ready (enough) to buy a house?
Replies: 29
Views: 3302

Re: Are we ready (enough) to buy a house?

Don't let these folks discourage you. A home is not just a financial transaction but also an emotional one. Try and cut back on your expenses (5k/mo? When I lived in NYC I wasn't spending that much), save the difference and start looking. Rather than settling for a townhome because that's what you m...
by zhiwiller
Tue Feb 07, 2012 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey's 7 Baby Steps
Replies: 21
Views: 2989

Re: Dave Ramsey's 7 Baby Steps

It's not an issue of tilt-this, tilt-that, it's that he by every definition advises everyone into undiversified portfolios and then promises them 12% a year.
by zhiwiller
Thu Jul 21, 2011 1:47 pm
Forum: Personal Consumer Issues
Topic: NYT: Are Hard Surfaces Worse for Runners?
Replies: 47
Views: 4419

Where does one learn "good form"? I try and run occasionally and I am certain I get it wrong.
by zhiwiller
Tue May 10, 2011 6:32 pm
Forum: Investing - Theory, News & General
Topic: My monthly TIPS update for those interested
Replies: 28
Views: 3592

Thank you for using 'raises the question' instead of 'begs the question'.
by zhiwiller
Wed Apr 13, 2011 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Zipcar IPO
Replies: 40
Views: 4774

Zipcar is a great company for their niche and a great use of innovative technology. But most IPOs make money for the insiders and early traders get below market returns. There are always exceptions like Google, et al, but there are exceptions in the non-IPO market. You just have to find them before ...
by zhiwiller
Sun Mar 13, 2011 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Let's talk wristwatches
Replies: 158
Views: 28623

Not again.