Search found 1182 matches

by Nate79
Tue Oct 17, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help picking apart whole life insurance cash value
Replies: 36
Views: 1004

Re: Help picking apart whole life insurance cash value

If you calculated that WL is a good deal you did the calculation wrong. These are horrible products (not the worst but pretty close). The most common mistake in calculating the return, as was already pointed out above is calculating return off of some value the insurance company says you have and no...
by Nate79
Tue Oct 17, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale rule unclear if not married at time of buy or sell
Replies: 5
Views: 411

Re: Wash sale rule unclear if not married at time of buy or sell

This is an interesting question I haven't seen posted before. It is really hard for me to imagine that you would be required to look back at your new spouse's trades for the year you were married to try and see if there were any wash sales. Taken to the extreme suppose you met someone on Dec 30th in...
by Nate79
Tue Oct 17, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparents want to give to grandkids
Replies: 26
Views: 1503

Re: Grandparents want to give to grandkids

It depends on what the Grandparents want the money to be used for. Do they want the money to be used for college or do they want the money to be used for toys, games, fun in the near future? In the one case a 529 would be a good choice and the other a savings account would be fine. There is no one r...
by Nate79
Tue Oct 17, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Car fund in index fun or savings?
Replies: 8
Views: 351

Re: Car fund in index fun or savings?

I would just keep adding money to an index fund like TSM. The index fund can act as a large pool to fund anything you like in the future. Unless you have a very specific need with a very specific timeline I believe it is better to be invested in the market than in a low interest bearing account whic...
by Nate79
Tue Oct 17, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: 5 year CD vs 5 year Fixed Deferred Annuity
Replies: 2
Views: 403

Re: 5 year CD vs 5 year Fixed Deferred Annuity

This past thread is a good discussion on the pros and cons on this subject:

viewtopic.php?t=120843
by Nate79
Mon Oct 16, 2017 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Giving Less in Dividends than Competitors?
Replies: 13
Views: 1838

Re: Vanguard Giving Less in Dividends than Competitors?

Your advisor is an idiot. After him staying such stupid stuff I hope you consider the advice in this thread to dump him.
by Nate79
Mon Oct 16, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Life and invalidity insurance for HNW...
Replies: 4
Views: 474

Re: Life and invalidity insurance for HNW...

Is this like term life? If not why not just get some term life insurance?
by Nate79
Mon Oct 16, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Trash dumped on curb (need advice)
Replies: 35
Views: 2928

Re: Trash dumped on curb (need advice)

Post an add on Craigslist for free stuff. It will be gone fast.
by Nate79
Sun Oct 15, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 47
Views: 2986

Re: Amazon Prime - Decline in Delivery Service?

Toons wrote:
Sun Oct 15, 2017 2:18 pm
Decline?
Nada...If anything,,
Service has gotten better. :happy
+1 Same here. My guess is that most cases are people not paying attention during the ordering process of the time to ship and are assuming the Prime item is ready to ship immediately.
by Nate79
Sat Oct 14, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 36
Views: 1828

Re: Selling Tradelines

For those who claim that this is against the credit card terms and conditions I would like to see that documented. I've never seen proof of that. As far as I know there are no restrictions on who you can add as authorized users. I don't see this as any different than for example Clark Howard and oth...
by Nate79
Sat Oct 14, 2017 6:21 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3081

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

This is really an Apples to Oranges comparison :D .
by Nate79
Sat Oct 14, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Citi Price Rewind iPhone 7 Did They Pay You?
Replies: 12
Views: 1478

Re: Citi Price Rewind iPhone 7 Did They Pay You?

Fill out the form and send it in. No need to waste time calling, complaining, etc. Maybe their searching mechanism can't search Apple's site. Who knows.
by Nate79
Sat Oct 14, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 36
Views: 1828

Re: Selling Tradelines

People add AU all the time. For example you can add your child at a certain age to start building their credit score. You don't need to give them the credit card either. No spending on the card is required. As the owner of the account the card will be mailed to your address only - you are fully resp...
by Nate79
Fri Oct 13, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: My EJ portfolio vs my Vanguard, side by side
Replies: 27
Views: 3068

Re: My EJ portfolio vs my Vanguard, side by side

The most basic first step as was already pointed out is to look at the asset allocation breakdown. Until then the results are absolutely meaningless.
by Nate79
Fri Oct 13, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Anyone Ever Jackhammered a Concrete Patio?
Replies: 27
Views: 1546

Re: Anyone Ever Jackhammered a Concrete Patio?

This isn't easy work unless you are well used to working with outdoor equipment. You will feel every dollar that you are saving....
by Nate79
Fri Oct 13, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Bitcoin: What is it, in Plain English
Replies: 110
Views: 16211

Re: Bitcoin: What is it, in Plain English

jb1 wrote:
Fri Oct 13, 2017 6:48 am
Imagine if someone bought $100 worth when this thread started
Yes, hindsight is 20/20.
by Nate79
Fri Oct 13, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Payoff Rental or lower Primary Loan -> Mortgage Deduction Interest Question
Replies: 14
Views: 589

Re: Payoff Rental or lower Primary Loan -> Mortgage Deduction Interest Question

Are you really sure that you want to potentially lose $260k of equity that you could bank tax free by selling instead of converting this to a rental? Are you also sure that you are going to be adequately compensated for a $450k rental property?
by Nate79
Thu Oct 12, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11243

Re: [Prevent mail theft; sign for USPS Informed Delivery]

I had to do the in person verification. Once setup it works fine.
by Nate79
Thu Oct 12, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Driver's License Number in regards to Equifax Breach
Replies: 12
Views: 814

Re: Driver's License Number in regards to Equifax Breach

I know I never had to file any disputes with the credit bureaus but I can't remember if I ever gave them my driver license number to prove my identity. :( One thing I don't understand is why these companies aren't implementing a form of two factor, instead of asking for more sensitive info that non...
by Nate79
Thu Oct 12, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1258

Re: Voiceprint technology (for authentication)

I have this with Vanguard and Wells Fargo. If their security experts believe in this technology who am I to doubt it? It is a healthy instinct and very smart to always doubt the opinions and assertions of the supposed "experts". Unless you enjoy being sheared, be mostly a wolf and never a sheep. Ev...
by Nate79
Thu Oct 12, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1258

Re: Voiceprint technology (for authentication)

I have this with Vanguard and Wells Fargo. If their security experts believe in this technology who am I to doubt it? If I doubt it what other security measures are they screwing up also?
by Nate79
Thu Oct 12, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3103

Re: Mechanic expects me to pay for his mistake

I guess that is the Crux of my main issue is that the mechanic did know of this risk but did not inform me. That may have changed whether or not I would have changed the plugs. The issue I was having in the first place is very intermittent and has been there off and on for a couple years. I thought...
by Nate79
Wed Oct 11, 2017 11:33 pm
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3103

Re: Mechanic expects me to pay for his mistake

No...he didnt. My brother knew this was an extremely common problem and switched my parents spark plugs and coils. He researched it on the internet and did some pretreatment. He is not even a mechanic and his didn't break off. But the mechanic did not tell me of the risks. That's too bad. He should...
by Nate79
Wed Oct 11, 2017 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Corporate wellness program earnings deducted from paycheck
Replies: 7
Views: 738

Re: Corporate wellness program earnings deducted from paycheck

Our wellness program either deposits money into our HSA or for people who don't have an HDHP plan they get the extra in their paycheck. It is truly extra money in our case.
by Nate79
Wed Oct 11, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: China visa service recommendations
Replies: 5
Views: 355

Re: China visa service recommendations

My company works with CIBTvisas and I used them to get a visa for China a year ago. Worked fine, no issues.
by Nate79
Wed Oct 11, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3103

Re: Mechanic expects me to pay for his mistake

Small town mechanic broke off spark plug in my 2006 F150. 140,000 miles. Worth around 7k before this problem. He can't fix it and wants me to pay $2400 to another shop to pull engine and have them fix. Was running fine with some intermittent stuttering so I took him my truck to replace spark plugs ...
by Nate79
Wed Oct 11, 2017 10:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard bond ETF/funds
Replies: 21
Views: 1169

Re: Vanguard bond ETF/funds

correct me if I'm wrong but it looks like a $10k investment in VSIGX (reinvesting dividends) over the last 10 years would give you $11,684.43 now, so sounds like a loss when factoring inflation. VSIGX is still considered a good investment to many here because: 1) in the longer term it has performed...
by Nate79
Tue Oct 10, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: Longterm Investing Renewable ETFs
Replies: 14
Views: 643

Re: Longterm Investing Renewable ETFs

What do you know about renewable energy that the market doesn't already know and has already priced in?
by Nate79
Tue Oct 10, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Downgrading automobile
Replies: 10
Views: 1577

Re: Downgrading automobile

Owning a new car is more expensive than owning a used car of the same type as the most expensive line item for a new car in the first few years is depreciation. If you sell your new car and downgrade to older you can bank the difference in value. You may also downgrade the car in terms of type/optio...
by Nate79
Mon Oct 09, 2017 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Sell
Replies: 12
Views: 810

Re: Rent or Sell

Sell. Very easy decision. That is a horrible rental.
by Nate79
Mon Oct 09, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4771

Re: Is there boglehead consensus on buying a car?

Depreciation is completely overstated as an issue related to car buying for personal use. I can't think of any other consumer purchase beyond motor vehicles where depreciation is routinely discussed. Certainly not snowblowers, chainsaws, bicycles, or cell phones. I think it's better just to conside...
by Nate79
Sun Oct 08, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Most expensive gel car battery or cheapest? How often?
Replies: 32
Views: 1940

Re: Most expensive gel car battery or cheapest? How often?

The best thing you can do for a battery to give it long life is to regularly put a trickle charger on it to keep it topped up. Especially if you are taking short trips.
by Nate79
Sun Oct 08, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Any mileage plan experts?
Replies: 8
Views: 946

Re: Any mileage plan experts?

niceguy7376 wrote:
Sun Oct 08, 2017 8:31 pm
see if you can sell them.
rewards2cash is one example
Selling miles, while legal in most states (except Utah apparently) is almost if not always against the terms and conditions of the mileage plan. Therefore this activity is not acceptable.
by Nate79
Sat Oct 07, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5701

Re: Roof shingles do not match - Neighbor sent notice

What does your contract say?
by Nate79
Thu Oct 05, 2017 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Student Debt Advice
Replies: 17
Views: 1189

Re: Student Debt Advice

Pay down this mess of a debt asap. Live like you understand you are broke and in a mess. Sounds like you are throwing a lot of money at the debt which is great. Save for a car to pay cash (keep it a cheap car) and emergency fund is critical. Unless you want to be in debt forever like the other lemmi...
by Nate79
Thu Oct 05, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 3953

Re: Trying to convince my sister not to use a financial advisor

Vanguard will do this for 0.3%. Schwab will do this in Schwab ETF's for free. There are others like Betterment and so forth. There is no reason to pay 1.4%. Why not get her to have a managed account, but just much much cheaper? These are all examples I used but she just doesn't get it. It's frustra...
by Nate79
Thu Oct 05, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 3953

Re: Trying to convince my sister not to use a financial advisor

Vanguard will do this for 0.3%.

Schwab will do this in Schwab ETF's for free.

There are others like Betterment and so forth.

There is no reason to pay 1.4%. Why not get her to have a managed account, but just much much cheaper?
by Nate79
Thu Oct 05, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity: can no longer use first initial, middle name
Replies: 30
Views: 2508

Re: Fidelity: can no longer use first initial, middle name

What does your legal form of ID show? Considering the other thread about someone's IRA being stolen including a notarized form I would be super cautious these days that the name on your accounts match exactly the legal form of ID that you use.
by Nate79
Thu Oct 05, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 187
Views: 20551

Re: Retirement Account Stolen by Identity theft

I had a recent email from Wells Fargo that they are adding the voiceprint security similar to Vanguard. I would suggest that he add this security to help prevent this from happening by phone in the future.
by Nate79
Thu Oct 05, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Care
Replies: 75
Views: 5679

Re: Question About Long Term Care

I think LTCi has been confused for a way to fund long term care as opposed to fund a low probability event yet very high cost case of needing long term care (where assets may be depleted). If long term care becomes a high probability need then premiums must go up. There is no free lunch.
by Nate79
Wed Oct 04, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolios vs. WiseBanyan
Replies: 31
Views: 2116

Re: Schwab Intelligent Portfolios vs. WiseBanyan

I don't recall if this was linked for you in this thread or another but here is the wiki on robo advisors: https://www.bogleheads.org/wiki/Robo-adviser Here is the other thread that was going on at the time of the wiki writing about robo advisors. In particular there was excellent info about Schwab'...
by Nate79
Wed Oct 04, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6209

Re: MoviePass-Too good to be true, but it's legit.

Moviepass is trying to make money by selling data on your movie watching habits:

http://www.businessinsider.com/how-does ... ney-2017-8
by Nate79
Wed Oct 04, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 3357

Re: Pension Now (Age 36) or Later (Age 65)?

I would take the payout now. 30 years is a looooooooooong time. There are so many risks to the pension in 30 years I would not depend on the projection to happen. 6% is not guaranteed. The employer is not guaranteed to be in business. Inflation. etc.
by Nate79
Wed Oct 04, 2017 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Should I max out my Roth IRA as an 18 year old?
Replies: 15
Views: 795

Re: Should I max out my Roth IRA as an 18 year old?

Emergency fund in place? No debt now or expected in the future (for example for car or college)? Any plans in next 3-5 years to save towards?

If you are ok on the above questions then ok. If not then I would focus on the above details first before worrying at all about a Roth.
by Nate79
Tue Oct 03, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Newborn
Replies: 20
Views: 1152

Re: Dental/Vision Insurance for Newborn

Here is an article on the subject of first dental visit: https://www.deltadentalins.com/oral_health/first-visit-to-dentist.html The survey of primary caregivers revealed that, for those children who had seen a dentist – and 34% had not – the average age at the initial visit was 2.6 years. The Americ...
by Nate79
Tue Oct 03, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 2630

Re: camping trailer...need to change vehicle?

Go big or go home.....
by Nate79
Tue Oct 03, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help with private investment opportunity
Replies: 47
Views: 2505

Re: Help with private investment opportunity

Sure why not. I would put opportunities like this similar to investing in cryptocurrencies. You may get rich, or it may go to zero. I would only put in what you are willing to lose. $50k, which is pretty much a full year's salary for you sounds like a lot, especially considering your small asset bas...
by Nate79
Tue Oct 03, 2017 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: FA Offering Financial Instrument--Turn $90K into $360K
Replies: 18
Views: 1793

Re: FA Offering Financial Instrument--Turn $90K into $360K

Sounds like a fixed or fixed indexed annuity. Or as they are commonly referred to as: crap.