Search found 323 matches

by rebellovw
Sat Apr 21, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 49
Views: 2797

Re: Selling a car: how to get paid?

I'm surprised no one mentioned a certified check. They cannot be stopped. Cashier's checks can be cancelled. If the amount was less than 10k, I would just ask for cash. If over 10k you run into extra paperwork. If you went to the bank with the buyer and cashed a personal check (getting the cash) be...
by rebellovw
Sat Apr 21, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 93
Views: 16318

Re: Ally Bank No penalty CD for parking cash, is there a catch?

As already mentioned, 2.5% is not competitive for a 5-year CD. Three-year brokered CD yields are just shy of 3% for good deals on secondary market. Not a lot of term risk in 3-year maturity, and I'd rather take the term risk to earn almost 3% than earn 2.5% with the EWP. Kevin 3% only provides 143....
by rebellovw
Sat Apr 21, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for Use of Restricted Stock Units
Replies: 12
Views: 528

Re: Strategy for Use of Restricted Stock Units

For capital gains it is the price at the time they are in your account and you sell them. It shouldn't have anything to do with various other earlier prices. As soon as I get mine - ex 200 shares at 49.00 - I immediately sell and price should be same give or take with very slight gain or loss and I ...
by rebellovw
Thu Apr 19, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 93
Views: 16318

Re: Ally Bank No penalty CD for parking cash, is there a catch?

As already mentioned, 2.5% is not competitive for a 5-year CD. Three-year brokered CD yields are just shy of 3% for good deals on secondary market. Not a lot of term risk in 3-year maturity, and I'd rather take the term risk to earn almost 3% than earn 2.5% with the EWP. Kevin 3% only provides 143....
by rebellovw
Thu Apr 19, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 93
Views: 16318

Re: Ally Bank No penalty CD for parking cash, is there a catch?

Today I closed my No Pen CD at Ally - it was at 1.50 and my Savings there was 1.45. I moved it to their 5 year CD at 2.5%

If I need to break it - it is only 6 months penalty - no biggy.
by rebellovw
Thu Apr 19, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3350

Re: Good Dad, Bad Dad

Also my one son is at the Univ of AZ - doesn't have a car - bikes everywhere - and Ubers if necessary. I pay for the Apartment.

Also - he now has a job at the University to pay for Uber etc.
by rebellovw
Thu Apr 19, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3350

Re: Good Dad, Bad Dad

It is a tough call. I went through the same torture. When I was a teen - I couldn't wait to drive - and obtained my license at 16 (1981 ish) I had a job though - paper routes, pizza delivery. I loved hot rods - I loved cars! Then with two sons both born in early 1990 - I also wanted them to work etc...
by rebellovw
Thu Apr 19, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 49
Views: 2797

Re: Selling a car: how to get paid?

Perhaps counterfeit if you are selling a 100K car - otherwise I think counterfeiters wouldn't be dealing with small stuff like a used car. The cash should feel very real.
by rebellovw
Thu Apr 19, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 49
Views: 2797

Re: Selling a car: how to get paid?

Also - in CA there is an online transfer of ownership form. Get that and some legal samples to sell the car "As Is" and have the buyer sign them.
by rebellovw
Wed Apr 18, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Tax day come and gone.....
Replies: 29
Views: 2874

Re: Tax day come and gone.....

You should try a CPA at least once. This year it was only 325.00 and definitely worth it for us. In what way was it worth it.? The tax code is the tax code. Turbo Tax handles it pretty well. It's anecdata, but the accounting firms handling elderly family members' taxes have made some costly mistake...
by rebellovw
Wed Apr 18, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Tax day come and gone.....
Replies: 29
Views: 2874

Re: Tax day come and gone.....

You should try a CPA at least once. This year it was only 325.00 and definitely worth it for us.
by rebellovw
Tue Apr 17, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Too much rent?
Replies: 21
Views: 1797

Re: Too much rent?

2K a month isn't that high for a 500K house.

Last time we rented (and it was house) was 1996ish and the rent was I think 1100 - and that was for a 100 to 200K house.

Here is the zillow price of that house now:

Zestimate®: $740,167

You gotta love the bay area.
by rebellovw
Fri Apr 13, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Dispute Over a Fence
Replies: 12
Views: 1880

Re: Dispute Over a Fence

Careful - it could back fire - and you may end up with this type of fence in your backyard:

Image
by rebellovw
Fri Apr 13, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate to ask co-worker when retiring?
Replies: 35
Views: 2242

Re: Appropriate to ask co-worker when retiring?

Bad idea - but perhaps worth asking how long both his parents have lived for. :twisted:
by rebellovw
Fri Apr 13, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Best Leather Checkbook
Replies: 15
Views: 808

Re: Best Leather Checkbook

bob60014 wrote:
Fri Apr 13, 2018 1:24 pm
What's a checkbook? ;)
Those things people pull out in line at the supermarket - and start writing all slow and fancy while they are joking with the clerk.
by rebellovw
Fri Apr 13, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 9757

Re: Mid-40s in tech - how to pass off as acceptably young

About the worst thing you can do is present yourself as a 40+ coder. If you are lucky enough even to get an interview, they look at you suspiciously for still doing hands on programming at that age. That's unfortunate. I only got my CS degree at age 33. I'd like my career as a coder to last longer ...
by rebellovw
Fri Apr 13, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Dispute Over a Fence
Replies: 12
Views: 1880

Re: Dispute Over a Fence

Can you build your own fence in front of it to cover and hide it - and maintain your yard? Cheaper than a lawyer and an easy DIY project. I did that at our last house - all our fences were falling apart - I completely rebuilt the back and side fences - even my neighbor offered to help and pay but th...
by rebellovw
Fri Apr 13, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 205
Views: 10656

Re: Work Commute: How far is too far?

" but her commute is 65-75 mins each way"

For the Bay Area - that is considered a short commute. My old commute is now over 2 hours.
by rebellovw
Fri Apr 13, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 9757

Re: Mid-40s in tech - how to pass off as acceptably young

dknightd wrote:
Fri Apr 13, 2018 11:20 am
Grt2bOutdoors wrote:
Thu Apr 12, 2018 4:57 pm

Getting skin cancer is even worse. Is wearing a hat to an interview acceptable?
Not if it inside
You lotion up your noggin with sunblock.
by rebellovw
Fri Apr 13, 2018 11:38 am
Forum: Local Chapters and Bogleheads Community
Topic: Arizona Chapter
Replies: 19
Views: 1139

Re: Arizona Chapter

Prescott here.

What happens at these meetings?
by rebellovw
Fri Apr 13, 2018 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Grandparents requested our help to manage $300K
Replies: 21
Views: 2290

Re: Grandparents requested our help to manage $300K

You mention it doesn't need to be touched, but what is the purpose of the money? To pass on to heirs? To have in case their health fails and they need to move into assisted living? The purpose should dictate the investment. Exactly. Perhaps they can buy a boat if they are completely covered. Why ta...
by rebellovw
Thu Apr 12, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 9757

Re: Mid-40s in tech - how to pass off as acceptably young

Coloring your hair? :oops:

Not the answer. I've worked with gods that have completely shaved heads - or crazy hair.
by rebellovw
Wed Apr 11, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: A way to get phone calls only from "whitelisted" numbers?
Replies: 14
Views: 803

Re: A way to get phone calls only from "whitelisted" numbers?

A lot of those calls are from India or the Philippines or similar. Good luck recovering damages. No luck is needed, just a bit of research. The parties they are calling on behalf of are in the USA, so you just pretend to be interested in the service and figure out who they are calling for. Sue and ...
by rebellovw
Wed Apr 11, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest $2200 in a 16 year old's Roth IRA
Replies: 17
Views: 950

Re: Where to invest $2200 in a 16 year old's Roth IRA

Why does a 16 year old need bonds?

I'd consider this fun money and be 100% TSM and be done with it. No need for 80/20.
by rebellovw
Wed Apr 11, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest $2200 in a 16 year old's Roth IRA
Replies: 17
Views: 950

Re: Where to invest $2200 in a 16 year old's Roth IRA

Don't forget to set auto-reinvest dividends
by rebellovw
Wed Apr 11, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest $2200 in a 16 year old's Roth IRA
Replies: 17
Views: 950

Re: Where to invest $2200 in a 16 year old's Roth IRA

No need to move to VG - that is silly.

I'd just do Total Stock Market and leave it. iShares ITOT or FSTVX (find the none admiral version)
by rebellovw
Mon Apr 09, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: VW Atlas
Replies: 46
Views: 3077

Re: VW Atlas

I'd love to only have the ignition problem. The door problem is serious - and I if you saw what happened you would be angry too. The sheet metal is so thin that it simply tore right off. I wish I could pay 700.00 to fix it. I've paid 250 for a bodyshop - they fixed it - (terribly by the way with a ...
by rebellovw
Mon Apr 09, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: VW Atlas
Replies: 46
Views: 3077

Re: VW Atlas

Eh, I'm no VW fan but stuff happens. Just because you've never experienced those specific failures before doesn't mean they don't also happen in other makes. I've certainly had failed ignition cylinders before. At 8+ years old, stuff starts to break. $700 isn't really that big a deal for a repair c...
by rebellovw
Mon Apr 09, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: VW Atlas
Replies: 46
Views: 3077

Re: VW Atlas

And no VW hater - just facts. My ID - is Rebello Racing + VW.
by rebellovw
Mon Apr 09, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: VW Atlas
Replies: 46
Views: 3077

Re: VW Atlas

I'm pasting this in all VW threads as a warning: 2010 Volkswagen. Bought new and after 3-5 years two issues occurred: - door check strap broke (tore sheet metal) - it is the thing that prevents your door from opening into your quarter panel. - Ignition Key sticks real bad - makes you fearful that y...
by rebellovw
Mon Apr 09, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: VW Atlas
Replies: 46
Views: 3077

Re: VW Atlas

I'm pasting this in all VW threads as a warning: 2010 Volkswagen. Bought new and after 3-5 years two issues occurred: - door check strap broke (tore sheet metal) - it is the thing that prevents your door from opening into your quarter panel. - Ignition Key sticks real bad - makes you fearful that y...
by rebellovw
Mon Apr 09, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: VW Atlas
Replies: 46
Views: 3077

Re: VW Atlas

I'm pasting this in all VW threads as a warning: 2010 Volkswagen. Bought new and after 3-5 years two issues occurred: - door check strap broke (tore sheet metal) - it is the thing that prevents your door from opening into your quarter panel. - Ignition Key sticks real bad - makes you fearful that yo...
by rebellovw
Mon Apr 09, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 39958

Re: Name something you had to have and now you regret purchasing it?

2010 Volkswagen. Bought new and after 3-5 years two issues occurred: - door check strap broke (tore sheet metal) - it is the thing that prevents your door from opening into your quarter panel. - Ignition Key sticks real bad - makes you fearful that you might get stranded and not be able to start the...
by rebellovw
Mon Apr 09, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 39958

Re: Name something you had to have and now you regret purchasing it?

-Apple Watch ($250) - An expensive digital watch that does the same stuff my iPhone does -Propane-gas fire pit table ($500) - It doesn't stay lit and hasn't been used in over two years. -Trek beginner hybrid bike ($450) - I should have bought a lighter, faster one Glad to hear all the negative opin...
by rebellovw
Fri Apr 06, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I invest in an HSA even though I don't go to the hospital much?
Replies: 18
Views: 1715

Re: Should I invest in an HSA even though I don't go to the hospital much?

Knock on wood.

I do it for a two main reasons - one - reduce my taxable income and two - build a medical IRA that I will use when I'm older. My plan is to fund the HSA and not draw from it - I'll save all receipts and pay out of pocket.
by rebellovw
Mon Apr 02, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 42
Views: 3282

Re: Cleaning up new house before move in—getting rid of “cat smell”

Odors can be tricky. There was a new development near us that hit hard times in the housing crash. Builder pulled out and left one home in a state of construction. After three years or so, new builder bought the development. Rather than tearing down the incomplete home, they finished it and turned ...
by rebellovw
Mon Apr 02, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371611

Re: U.S. stocks in freefall

I'm not sure I understand the panic. I bought shares of VTI at sub-$132 prices in February, which means those very-recent shares are showing a profit. It’s not a sign of a strong market if to “show a profit” required buying at the absolute lowest point in the entire year. The market has gone no whe...
by rebellovw
Mon Apr 02, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 42
Views: 3282

Re: Cleaning up new house before move in—getting rid of “cat smell”

Seems like you are just fine then. Great time to paint the inside house now that it is empty (and the colors you want) - painting will make a world of difference and of course other cleaning. You should be fine. Check on more construction site if you should prime first or buy paint with primer in it...
by rebellovw
Mon Apr 02, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 42
Views: 3282

Re: Cleaning up new house before move in—getting rid of “cat smell”

Fclevz wrote:
Mon Apr 02, 2018 8:57 am
Nature's Miracle
20+ a gallon AND it stinks by itself. What is the suggestion-wipe the entire house down?
by rebellovw
Mon Apr 02, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 42
Views: 3282

Re: Cleaning up new house before move in—getting rid of “cat smell”

I'd get rid of the carpets and pad and if on top of unfinished floor id prime with bin primer. Only way to be sure.

Also the house was probably professionally cleaned prior to open house.
by rebellovw
Fri Mar 30, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: [Moving out of CA. What city has decent weather?]
Replies: 46
Views: 6219

Re: [Moving out of CA. What city has decent weather?]

Prescott AZ sucks - I'd stay away from that heck hole. :sharebeer

Forgot - can't swear on this forum.
by rebellovw
Thu Mar 29, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: When to sell my current home
Replies: 17
Views: 1092

Re: When to sell my current home

Seems penny wise and lb.. selling yourself. You would still have to pay the 2.5 or 3% to the buyer's realtor.
by rebellovw
Thu Mar 29, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: When to sell my current home
Replies: 17
Views: 1092

Re: When to sell my current home

Selling a house quickly and for a great price takes work - staging, paint, landscape, repairs - can you do that while living there? Moving out will make it a whole lot easier - realtors can show your house any time - a stager can use their own stuff. Probably best to figure out how you are going to ...
by rebellovw
Thu Mar 29, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 8927

Re: Not going to be buying chicken for a while...

I doubt that a poultry industry trade magazine has an anti-meat or anti-big agriculture agenda and this article seems to summarize (is less dramatic terms) much of what the OP posed. Nothing tastes as yummy as woody/stringy/gummy chicken with inadequate blood supply, decline in metabolic waste prod...
by rebellovw
Thu Mar 29, 2018 1:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371611

Re: U.S. stocks in freefall

Not sure what you are talking about 2 hours to close.
by rebellovw
Thu Mar 29, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 8927

Re: Not going to be buying chicken for a while...

I meant only that people are probably more likely to post if they've experienced the problem as opposed to posting "nope, haven't had this happen." That's all. All you can really to is (1) try to buy chicken breasts that you can actually see well, and (2) if you find a brand that seems to work, sti...
by rebellovw
Wed Mar 28, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 8927

Re: Not going to be buying chicken for a while...

Just to offer a little context to this post. White striping and a similar but not directly related issue called Woody breast are issues that have cropped up in chicken farming in the past couple years. White striping can sometimes be a quality issue, but it's safe. Woody breast is also safe, but a ...
by rebellovw
Wed Mar 28, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Use Non-deductible IRA for bond allocation - Good idea??
Replies: 6
Views: 371

Re: Use Non-deductible IRA for bond allocation - Good idea??

I have bonds(Total Bond Market) in my non-deductable IRA. I basically set the AA across mine and my wife's funds. My AA is 60/40 - so I make sure that the AA is that way across both of our accounts. Ex: Taxable - equities Roth - equites 401K, 401B, tIra - Stocks and Bonds All together - 60:40 And my...
by rebellovw
Wed Mar 28, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 8927

Re: Not going to be buying chicken for a while...

Rotisserie Chicken at Fry's is fabulous - though likely full of salt and butter - really wonderful tasting. But the breast is an extremely important ingredient of say chicken paramesan, chicken marsala. When done correctly - it is fork tender. Breast by itself - white and unseasoned - yuck. I wish I...
by rebellovw
Wed Mar 28, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 8927

Re: Not going to be buying chicken for a while...

Shallowpockets wrote:
Wed Mar 28, 2018 1:18 pm
I went to the site posted by OP.

Methinks there is an agenda to this topic beyond taste and tenderness.
youthinks what you want.