Search found 3540 matches

by Nate79
Thu Nov 15, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: KaiZen Life Policy
Replies: 24
Views: 3997

Re: KaiZen Life Policy

I am interested in this tool. I too heard about it, and it sounds legit with good returns. I'm not so considered what somebody else makes, more interested in my personal return. Could someone post details on how the plan works, and why it is so effective? Note that I considered Captive Insurance pr...
by Nate79
Thu Nov 15, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 13
Views: 707

Re: Dealing with Jeep for warranty claims. Any tips?

So you took it to the dealer and didn't bother to tell them about the issue, but expected them to just pick up on it? Doesn't seem like the best plan. My tip seems like an obvious one to me, but I'd suggest taking it to the dealer and making them aware of the problem before the warranty runs out? :...
by Nate79
Wed Nov 14, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: Do BHs care about real asset value or stay in course?
Replies: 8
Views: 572

Re: Do BHs care about real asset value or stay in course?

WhiteMaxima wrote:
Wed Nov 14, 2018 6:55 pm
Do BHs care about real asset value or stay in course? even of we know there is a huge asset bubble?
What do you mean real asset value?
by Nate79
Wed Nov 14, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 67
Views: 7529

Re: Dave Ramsey's advice on investing?

Well, let me give my two cents. Of course keeping money in index funds and following Jack Bogle's advices is probably the best investing strategy for everybody, but I am not sure that everybody will diligently follow it throughout the life. Dave and Jack are doing quite different things and both ha...
by Nate79
Wed Nov 14, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 67
Views: 7529

Re: Dave Ramsey's advice on investing?

So this seems to conflict with what I read in the Boglehead book which seems to support self-investing more so, and using an adviser only if you can find one with no possible conflicts of interest. Ramsey also consistently seem to talk about investing being "complicated". Bogleheads says investing ...
by Nate79
Wed Nov 14, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 67
Views: 7529

Re: Dave Ramsey's advice on investing?

Not many. His investing advice really sucks...bad. DA +1. The guy is a scam artist, but I have to be careful what I say cause I have gotten banned for speaking about Dave here, which I believe is moderated by some pro-Ramsay people. I agree. He started his program with the theme of getting out of d...
by Nate79
Tue Nov 13, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 79
Views: 9527

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

The market has barely blipped. What are you going to do when it really crashes and your losses are 5X worse?
by Nate79
Mon Nov 12, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to rent our house?
Replies: 12
Views: 984

Re: Is it worth it to rent our house?

Sounds like a horrible rental and if you don't understand why I suggest that alone means you should sell it.
by Nate79
Sun Nov 11, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Exterior Painting Mil Thickness and Coats
Replies: 15
Views: 1043

Re: Exterior Painting Mil Thickness and Coats

They make small feelers to measure the thickness of wet paint (at least according to google).
by Nate79
Sun Nov 11, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Need A Credit Score?
Replies: 24
Views: 1049

Re: Do I Need A Credit Score?

My spouse has an excellent score at 800. We use spouses credit history to get our home. Other than that, we have a credit card in spouses name that we use sometimes and pay off in full. At this point in the game, should I get a credit card and start building a score? If you are listed as a borrower...
by Nate79
Sun Nov 11, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Regrets from canceling whole life insurance policy - anyone out there?
Replies: 27
Views: 2944

Re: Regrets from canceling whole life insurance policy - anyone out there?

Nissanzx1 wrote:
Sun Nov 11, 2018 10:47 am
You will have no regrets, get rid of that garbage.

However, make sure your term insurance is in force BEFORE you cancel your whole life. That is, IF you need life insurance.
+1

Regrets would only come from ignorance.
by Nate79
Sat Nov 10, 2018 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Any experience with Realty Mogul or Fundrise?
Replies: 13
Views: 2039

Re: Any experience with Realty Mogul or Fundrise?

I started with Fundrise less than a month ago (eREIT product, growth portfolio). My target is more access to real estate investment return similar to owning rentals without having to get into the rental business. I'm starting with a small monthly allocation for now just to see how it works out (~5%...
by Nate79
Sat Nov 10, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3472

Re: International Travel during Maternity/Paternity

This is just about the worst idea I have heard in a long time. As someone who just took a 10 month old to an all inclusive resort on vacation (that was booked before we knew better) it was a big mistake, personally and financially. We couldn't do any activities and our daughter got a cold that made...
by Nate79
Sat Nov 10, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is NOW a good time to start ETF saving journey?
Replies: 13
Views: 1309

Re: Is NOW a good time to start ETF saving journey?

Thank you for replies. It looks like indeed the time is now :) I'm sorry I did not mention that I'm not US resident. But you raised important topic of taxes, which I did not take into consideration before. I will study tax implications for my country. Since you are not a US resident I suggest you p...
by Nate79
Sat Nov 10, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Relative Credit Risk: US Treasuries, FDIC-Insured Money Market, TIAA-CREF General Account
Replies: 5
Views: 281

Re: Relative Credit Risk: US Treasuries, FDIC-Insured Money Market, TIAA-CREF General Account

I don't understand this product. Is it fully liquid, able to pull money out and pay for emergencies any time, no penalty?
by Nate79
Sat Nov 10, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3472

Re: International Travel during Maternity/Paternity

This is just about the worst idea I have heard in a long time. As someone who just took a 10 month old to an all inclusive resort on vacation (that was booked before we knew better) it was a big mistake, personally and financially. We couldn't do any activities and our daughter got a cold that made ...
by Nate79
Fri Nov 09, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Double-check your contributions to tax-advantaged accounts this time of year
Replies: 15
Views: 1714

Re: Double-check your contributions to tax-advantaged accounts this time of year

Thanks for the reminder. It made me realize that I was going to be about $100 short of maxing my 401k so I bumped the percentage up.
by Nate79
Fri Nov 09, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Tips for protecting buyer from fraud by seller
Replies: 5
Views: 477

Re: Tips for protecting buyer from fraud by seller

I agree that you should buy a few at a time. Do your credit cards in Canada provide buyer protection like in the US? I also agree that Ebay is heavily biased towards the buyer.
by Nate79
Fri Nov 09, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: Old Investment Articles & Interviews
Replies: 6
Views: 463

Re: Old Investment Articles & Interviews

If you are not going to go back and read them I would delete them.
by Nate79
Fri Nov 09, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Consolidation Loan
Replies: 11
Views: 687

Re: Debt Consolidation Loan

Consolidation loans only make sense if it will reduce the overall average interest rate of your debt or somehow improved some critical terms.
by Nate79
Fri Nov 09, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Chase points - what's the point of buying gift cards
Replies: 30
Views: 2568

Re: Chase points - what's the point of buying gift cards

I tend to gift our Chase Sapphire points to D, who used them to buy airplane tickets. This allows her a lot of flexibility and to book at close to last minute without much penalty. For example, she’s purchased one way ticket LAX to HNL for 12,500 points, which we think was a bargain, especially ove...
by Nate79
Fri Nov 09, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 184
Views: 8776

Re: Long-term Care Insurance

I wish bogleheads had a Wiki for LTCi https://www.bogleheads.org/wiki/Long-term_care_insurance Thank you Who wrote this wiki? And how long ago was it? There are two mistakes just in the first two sentences. I flagged your comment so that you can contact a mod to discuss changing the wiki. I don't h...
by Nate79
Fri Nov 09, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Workplace 401k Fees being added
Replies: 7
Views: 874

Re: Workplace 401k Fees being added

Sounds like you have zero options.
by Nate79
Fri Nov 09, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 184
Views: 8776

Re: Long-term Care Insurance

2pedals wrote:
Fri Nov 09, 2018 1:02 pm
I wish bogleheads had a Wiki for LTCi
https://www.bogleheads.org/wiki/Long-te ... _insurance
by Nate79
Fri Nov 09, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Help. They are removing index funds.
Replies: 56
Views: 3996

Re: 401k Removed Index Funds

This is a very challenging environment and I would highly recommend that your wife tread carefully. Bringing up the lawsuits would be about the dumbest thing she could do. What I would do is to explain that while American funds is an excellent fund family and you appreciate having access to a 401k t...
by Nate79
Fri Nov 09, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3274

Re: Seeking Advice - Emergency Preparedness

install a natural gas generator...... or get solar panels with a battery that can hold a charge for a few days. Thanks - I am leaning that way (generator). The solar panels plus batteries is much more expensive. The solar panels plus battery also have a federal 30% credit, and you will not have an ...
by Nate79
Fri Nov 09, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 83
Views: 5905

Re: Too many choices for my next TRUCK

Ok, so I thought I was done shopping for pick up truck. I narrowed it down to either a 2018 Nissan Titan (SV) or a 2019 Toyota Tundra (SR 5.7L). They were priced in the $30K range. I was going to decide this month and pick one up. Done! But then I saw that the 2018 Ford F150 (2.7/3.5L Ecoboost) and...
by Nate79
Fri Nov 09, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Chase points - what's the point of buying gift cards
Replies: 30
Views: 2568

Re: Chase points - what's the point of buying gift cards

I am planning to buy Iphone 8 as a gift to myself. (My iphone 6 is breaking down unfortunately) I am wondering if there is any benefit to buying an iphone directly through chase ultimate rewards? I have around 60000 points worth $600. I can either directly buy from apple through chase (where 100 po...
by Nate79
Fri Nov 09, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Chase points - what's the point of buying gift cards
Replies: 30
Views: 2568

Re: Chase points - what's the point of buying gift cards

I am planning to buy Iphone 8 as a gift to myself. (My iphone 6 is breaking down unfortunately) I am wondering if there is any benefit to buying an iphone directly through chase ultimate rewards? I have around 60000 points worth $600. I can either directly buy from apple through chase (where 100 po...
by Nate79
Thu Nov 08, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Getting Rid of PMI on Mortgage
Replies: 4
Views: 689

Re: Getting Rid of PMI on Mortgage

Details seem pretty clear on their webpage as was mentioned above:

https://www.wellsfargo.com/mortgage/man ... insurance/
by Nate79
Wed Nov 07, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: 1/3 of Baby Boomers have no retirement savings...
Replies: 77
Views: 8054

Re: 1/3 of Baby Boomers have no retirement savings...

It is ludicrous to only look at "retirement accounts" to draw a conclusion about the wealth of seniors for retirement. It completely ignores net worth and overall asset position as well as income sources. Things like business ownership, home value, rental values and income streams, pensions, etc. My...
by Nate79
Tue Nov 06, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: In kind transfer from schwab?
Replies: 10
Views: 611

Re: In kind transfer from schwab?

Earl Lemongrab wrote:
Tue Nov 06, 2018 4:20 pm
Here's the Schwab page for the robo adviser. I agree that it doesn't sound like what the OP has. This says 5k is the minimum, not 50k.

https://intelligent.schwab.com/public/i ... /home.html
The account minimum is $5k but you don't get TLH until $50k.
by Nate79
Tue Nov 06, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: In kind transfer from schwab?
Replies: 10
Views: 611

Re: In kind transfer from schwab?

Schwab Intelligent Portfolios is a free robo service. You should be able to use this instead of their advisor service. If you are comparing the portfolio to the S&P500 you need to go back to basics to understand how and why to compare to different portfolios. Comparing your portfolio to the S&P is n...
by Nate79
Mon Nov 05, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Order of Operations - What to hit first...
Replies: 8
Views: 1530

Re: Order of Operations - What to hit first...

Besides what others said I would: 1. Pay off the consumer debt and student loans and stop borrowing money 2. Get rid of PMI asap 3. Stop using NW mutual for the Roth. Transfer to a low cost brokerage. 4. Make sure you are setup with sufficient insurance if you have a need such as term insurance purc...
by Nate79
Sun Nov 04, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Am I buying too much house??! What kind of mortgage?
Replies: 26
Views: 4509

Re: Am I buying too much house??! What kind of mortgage?

Any advice/recommendations are appreciated! I am making my first home purchase so I am relatively new to the home buying process: - currently live in a high COL area (LA) and am looking to make my first home purchase - single, 30s, no children, physician. Self employed, $360K gross income/yr, will ...
by Nate79
Sat Nov 03, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1767

Re: Credit card SurCharges

Personally, I would go with the second option. I try as hard as I can not to deal with businesses that add surcharges to credit cards. It seemed like there was a move to surcharge cc payments a few years ago, and it seems to have pretty much failed and gone away. Every once in a while, I do get box...
by Nate79
Sat Nov 03, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5891

Re: Deal fell through and didn't get escrow money.....

I think your friend didn't understand what a contingency was. Their realtor should have explained in detail what it meant to accept an offer with a contingency.
by Nate79
Sat Nov 03, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1767

Re: Credit card Surcharges

A store that charges a surcharge for credit cards is a company I will not do business with.
by Nate79
Fri Nov 02, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4431

Re: Vanguard screws up rollover from TSP

Vanguards mutual structure - putting their customer first since they are owners. Not.
by Nate79
Fri Nov 02, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Am I paying too much for life & disability insurance?
Replies: 3
Views: 414

Re: Am I paying too much for life & disability insurance?

Sorry to hear you fell for the scam of whole life insurance. I would suggest to get additional term insurance and cancel all the whole life policies. Invest the difference.
by Nate79
Thu Nov 01, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: An extreme example of inflation and a mortgage
Replies: 37
Views: 3184

Re: An extreme example of inflation and a mortgage

You are making the assumption that your wages are keeping up with inflation. I think it would be better to not use inflation but use wage growth since it is your income that pays back the mortgage, not inflation.
by Nate79
Thu Nov 01, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Moved old 401K to a rollover IRA with Schwab..in cash
Replies: 9
Views: 543

Re: Moved old 401K to a rollover IRA with Schwab..in cash

Schwab has excellent target date index funds. Perhaps an all in one fund would help you set it and forget it - just dump it in and move on instead of try to second guess every decision.
by Nate79
Thu Nov 01, 2018 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt for Grandma
Replies: 32
Views: 1726

Re: Credit Card Debt for Grandma

This revolving credit will just keep revolving until she dies. Then after her apartment is sold, the credit cards can be paid off, once and for all. This is terrible advice. It is very likely that Grandma's apartment is protected from creditors as homestead, and the proceeds of the sale should NOT ...
by Nate79
Wed Oct 31, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: HSA and DCFSA
Replies: 13
Views: 657

Re: HSA and DCFSA

Your wife can only contribute the family max to an HSA if her HDHP is a family plan, not individual. If it is only her on the plan that is an individual plan, not family.
by Nate79
Wed Oct 31, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: HSA and DCFSA
Replies: 13
Views: 657

Re: HSA and DCFSA

What does the DCFSA have to do with your PPO? I don't know, that is what I am trying to figure out.I was under the impression that I cannot have a FSA when my wife's plan has a HSA.I am hearing DCFSA for the first time and its been offered by my employer for the first time as well so was not sure i...
by Nate79
Wed Oct 31, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: HSA and DCFSA
Replies: 13
Views: 657

Re: HSA and DCFSA

I was covered by my wife's HDHP with HSA plan from her employer with a deductible of 2500 (individual)/5000 (family). We recently (10/16) became parents of a beautiful baby girl.I want to opt for health insurance for my daughter,me from my employer and wanted to know If my daughter qualifies for a ...
by Nate79
Wed Oct 31, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Limting Human Bias - 3 Fund VS Vanguard Target Life Strategy
Replies: 30
Views: 2241

Re: Limting Human Bias - 3 Fund VS Vanguard Target Life Strategy

The choice is moot for many because these type of funds may not be available in the most common retirement accounts, 401k's. My 401k has TD funds but their ER is much higher (~0.8%) than using index funds (~0.03%).
by Nate79
Tue Oct 30, 2018 9:34 pm
Forum: Investing - Theory, News & General
Topic: Who's Buying General Electric?
Replies: 39
Views: 4577

Re: Who's Buying General Electric?

Too big to fail? LOL. :shock:
by Nate79
Tue Oct 30, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Scottsdale Arizona is there heartworm disease?
Replies: 5
Views: 854

Re: Scottsdale Arizona is there heartworm disease?

I'm quite surprised you don't treat in Washington, or anywhere for that matter. We know someone in the Portland area whose dog owner forgot to give the pill for a short amount of time and they got heartworms. Portland can't be that much different than Washington state. Edited to add: looking at the ...
by Nate79
Tue Oct 30, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: Maximum Tax Deferral
Replies: 30
Views: 2978

Re: Maximum Tax Deferral

Don't forget Ibonds and EEbonds as unconventional tax deferred space.