Search found 118 matches

by cutehumor
Mon Dec 24, 2018 2:54 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 175
Views: 11860

Re: All the "should I be 100% stocks" threads over the last year.

Why are we just assuming that all of these people are now suddenly running for cover? Because it feeds into the worldview of those holding a 50/50 portfolio who have secretly regretted it while the market is going up. Some hold a 50/50 and are happy with it and that's fine. It's the one's who regre...
by cutehumor
Mon Dec 24, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: How much do you pay for cable/internet/cellphone
Replies: 95
Views: 5719

Re: How much do you pay for cable/internet/cellphone

No cable OTA antenna free Landline free obihai adapter with Google voice Netflix $12 (kids watch it) Sling TV $30 (kids Disney junior, etc.) Free Xfinity business internet telecommute 25 mbs download speed Two cell phone 50 dollars (wife has tello and I have Google FI). No data on my phone, wife goe...
by cutehumor
Mon Dec 24, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: Now is the time to REJOICE!
Replies: 102
Views: 11635

Re: Now is the time to REJOICE!

Warren Buffet always says he likes getting a good deal on companies he buys, and now is the time for all of us! Dumping a bunch of money into stock index funds while the going is good and cheap!! Anyone else investing more now??? The "experts" say the us stock market is overvalued. So, I am just bu...
by cutehumor
Sat Dec 22, 2018 3:40 am
Forum: Investing - Help with Personal Investments
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 182
Views: 17021

Re: Mr. Money Mustache, SWR, and equity allocation

MMM got divorced recently. So half of his "stache" will get whacked.
by cutehumor
Mon Dec 17, 2018 4:04 am
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 71
Views: 7216

Re: Bullish/bearish on GE? Make your case here - new lows today

GE is doing decade lows today. I bought $2000 worth at 12.xx today . If you liked it at $12.XX, you LOVE it at $7.01. Back up the truck! Seriously, SPECULATING on GE is a loser's game. You will do much better INVESTING in a diversified equity mutual fund. i sold this on Oct 9th for a 11% gain.. sam...
by cutehumor
Sat Dec 15, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 153
Views: 19420

Re: I made a mistake by not selling when the market was high this year

I did front loading my 401k and my wife's 401k and roth IRA for my wife and I. We are in the negative for the year. Front loading hurt us this year. I was aware of the US evaluations. I am 60 US/40 international. So, you can see why this happened. I'm not sure if I want to front load for 2019. I thi...
by cutehumor
Sat Dec 15, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Furnace in rental has issues with out-of-warranty parts, replace or repair?
Replies: 20
Views: 1364

Re: Furnace in rental has issues with out-of-warranty parts, replace or repair?

I was fortunate enough to have my inducer motor and heat exchanger replaced on a 2000 Lennox elite package unit for $195 six weeks ago through my home warranty. Downside, I had no heat for three weeks because I was a home warranty. lol. The parts had to be ordered direct from Lennox and I'm in TN, i...
by cutehumor
Wed Dec 12, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: Early retirement mistakes???
Replies: 37
Views: 6319

Re: Early retirement mistakes???

My dad retired from the USPS at age 48 with only 19 years in. They offered him a buyout around 30k in 1992, he stupidly took it. He went postal at our house all the time. He couldn't handle the stress. How much he gets from his pension? 900 per month after retiree health insurance is taken out. He d...
by cutehumor
Mon Dec 10, 2018 2:39 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for 29 & 30 year olds.
Replies: 18
Views: 1960

Re: Portfolio review for 29 & 30 year olds.

Op,. If I were you, sell some of your rentals with equity to pay off your 300k home mortgage. I would not able to sleep at night with the 1 million rental mortgage debt with interest rates are rising, when your own home isn't paid for. Take care of your family home first. I believe you are seriously...
by cutehumor
Sun Dec 02, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 91
Views: 4947

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

I am scheduled to receive the pixel 3xl on Tuesday 12/4 per FedEx tracking. I will be activating asap.
by cutehumor
Sat Dec 01, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 91
Views: 4947

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

I emailed Google fi support to ask if I qualify for gift card promotion. They sent the email I posted earlier. They shipped the phone Friday night.
by cutehumor
Fri Nov 30, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 91
Views: 4947

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

I got confirmation email below!! Thank you to the op for posting this. I saw the deal and ordered within 30 minutes at 844 cst. Merry Christmas to all! :sharebeer ------------------------ Google Fi[=]Coupon Thanks for celebrating the new Google Fi with us! You're on your way to earning your travel g...
by cutehumor
Thu Nov 29, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 91
Views: 4947

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

I've been reading google forums and doctor of credit. There are several posts of people saying google customer service will honor the gift card promotion, if the online order was done before 7pm pacific standard time. I beat it by 16 minutes. There is no official announcement by google yet. There ar...
by cutehumor
Thu Nov 29, 2018 4:02 am
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 91
Views: 4947

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

Uh, I ordered this morning and my email confirmation has nothing about the discount. Just it total price. Did I screw up? I didn't see a promo code or anything. No. Per reddit, a lot of people who ordered early saw nothing. Then people who ordered later in the day starting seeing things in their ca...
by cutehumor
Thu Nov 29, 2018 3:51 am
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 91
Views: 4947

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

I placed an order earlier and these are the numbers from my order confirmation. Thanks for the heads up harrychan and good luck to everyone else. Subtotal:$799.00 Discount:-$799.00 Estimated Tax:$71.91 Shipping:$0.00 Total:$71.91 Can you check your credit card online? I am billed for the entire pho...
by cutehumor
Wed Nov 28, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 91
Views: 4947

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

I think that's just for porting your old phone number from another company, isn't it? New Google Fi users must transfer (port-in) their current personal number over to Google Fi during sign up. The number being transferred must be currently active and have been active with the previous carrier and ...
by cutehumor
Wed Nov 28, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 91
Views: 4947

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

This sucks. I went through the process of buying a new phone with service. When I went to transfer my cell number, I got this message: Give up your Google Voice number? You're choosing to give up your Google Voice number. Once you activate service on your phone, you'll permanently lose your Google ...
by cutehumor
Wed Nov 28, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 91
Views: 4947

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

This sucks. I went through the process of buying a new phone with service. When I went to transfer my cell number, I got this message: Give up your Google Voice number? You're choosing to give up your Google Voice number. Once you activate service on your phone, you'll permanently lose your Google V...
by cutehumor
Wed Nov 28, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 91
Views: 4947

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

it's in their FAQ: If I use Google Voice, can I use my number with Google Fi? Yes, you can use your Google Voice number as your Google Fi number, but you cannot have your Google Voice number and a separate Google Fi number on the same phone. For additional information on bringing your Google Voice n...
by cutehumor
Sat Nov 24, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: A lot of us expected a US stock "pull back" is this it?
Replies: 61
Views: 8592

Re: A lot of us expected a US stock "pull back" is this it?

The forecast for 3 percent returns in US stocks for the next decade is starting to look accurate. Interest rates going back to normal is crushing the stock market. The federal reserve can't leave it at 0 forever. It's interesting we are at record low unemployment, still lowish interest rates, and co...
by cutehumor
Sat Nov 24, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: A lot of us expected a US stock "pull back" is this it?
Replies: 61
Views: 8592

Re: A lot of us expected a US stock "pull back" is this it?

I agree. I have bought all total international and emering market index funds all year in my 401k. Lately, I was questioning my decision, but since US stocks dropped. I feel better. Lol. It looks like I made the right decision and buying international stocks on sale!
by cutehumor
Thu Nov 01, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is an MBA worth it these days?
Replies: 53
Views: 6411

Re: Is an MBA worth it these days?

I say the MBA is worth it, if you get into a top 20 school. Like someone else mentioned, Law degrees and MBA degrees, it matters where you went to school. I know of folks who got MBA and were still doing the same job, they didn't get promoted or was able to change careers. She was a social worker an...
by cutehumor
Sun Oct 28, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4937

Re: What Memberships/Subscriptions Are Most Valuable To You?

There are four people in my home. my wife and I, a 6 year old girl, and 3.5 year old boy. Netflix - kids watch it and love it, but it will hurt when Disney pulls all of their shows out of netflix Sling TV with kids subscription - kids watch it to stream live Disney Junior and Nick Jr. Amazon Prime -...
by cutehumor
Wed Oct 17, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 6191

Re: Best way to complain about Hertz bait-and-switch?

I would write a letter of complaint to the president of the board of directors of the airport demanding the the airport cancel the airport space lease for Hertz (and its affiliated companies) due to its failure to meet its commitments to customers. I would also request that the airport bar Hertz (a...
by cutehumor
Sat Oct 13, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare premiums will be down an average of 1.5 percent next year
Replies: 39
Views: 4129

Re: Obamacare premiums will be down an average of 1.5 percent next year

Medicare for all is scaring the insurance companies. The mid term elections are next month. Go raise Obamacare premium and watch more voters come out.
by cutehumor
Tue Sep 25, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: DIYers Taking a Toll
Replies: 50
Views: 6632

Re: DIYers Taking a Toll

My oldest son was on track to be a wealth manager at a major brokerage. He recently left the field and is pursuing another opportunity. Several of his colleges are doing the same. The reason they mentioned for leaving is the DIYers are not buying their more lucrative investment products thus there ...
by cutehumor
Wed Aug 29, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: 0% card to another 0%?
Replies: 21
Views: 1414

Re: 0% card to another 0%?

I did this, but only to front load my 11k roth ira for my wife and I back on Jan 1st. I have to pay my 0% credit card by mid october in full or feel the 18% apr. I'll have enough cash to pay it off in full. in the meantime, I got another 0% credit card for 12 months, so I can get that 250 sign on bo...
by cutehumor
Thu Aug 23, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: Sneaky ways to get into closed funds (e.g. POAGX in TN 529)
Replies: 32
Views: 3286

Re: Sneaky ways to get into closed funds (e.g. POAGX in TN 529)

Thanks for the post. I've been trying to get into this closed fund for years.
:sharebeer
by cutehumor
Fri Aug 17, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 48
Views: 4174

Re: Tipping lawn service and trash pickup

j0nnyg1984 wrote:
Fri Aug 17, 2018 9:46 am
no way. Tipping culture is out of control. I won't do anything to reinforce this bad entitlement.
I agree. Everyone now has a tip jar at every register.
by cutehumor
Sun Aug 05, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 7584

Re: "Skin in the game"

I thought about this for along time. I rather max all my tax deferred retirement accounts for my wife and I. So, that is close to $55k per year with my HSA family plan. My parents did not pay due for my college, but I did stay at home for free. My wife's parents gave my wife a 200 month stipend, she...
by cutehumor
Sun Aug 05, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 798
Views: 81550

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I'm sorry, if this has been mentioned. I haven't read all 400 replies. Fidelity index funds spit out capital gains twice per year. Vanguard is more tax efficient. would you rather have fidelity zero index fund with 0 ER and capital gains twice per year or vanguard total stock admiral with 0.4% ER an...
by cutehumor
Sat Jul 07, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 21436

Re: Replace car battery after X years or wait till it dies?

In a previous life, I was an auto battery engineer. The length of time a battery will last depends mostly time, mileage, and the ratings of the battery (a higher rated battery will last longer). However, this is mostly beside the point. The cost and inconvenience of being stuck when the battery die...
by cutehumor
Tue Jul 03, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 169
Views: 13935

Re: Expected returns for 80/20 stock bond for next 10 years.

2000-2010 Total market index: 0% nominal 60/40 index: approx 2% nominal 2007-2017 TMSI: 7% nominal 60/40 index: Approx 2% nominal 2007-2017 is kind of a best case scenario going from peak to peak. 2000-2010 was going from extreme peak to relative midpoint. It is really hard to look at those and expe...
by cutehumor
Tue Jul 03, 2018 6:59 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 12378

Re: SS taken at 62 vs. 70, but measured from 70+

My dad is on dialysis at 73. My sister has stage IV cancer at age 46. I will be 41 this month, I had my own health problems. if SS does not change, I'll gladly take it at age 62.
by cutehumor
Tue Jun 26, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7904

Re: Family dynamics/in laws/am I being petty?

So this past weekend my wife and I went out to eat with my in laws—MIL, FIL, SIL, BIL, niece and nephew. We were taking my MIL/FIL out for a combo birthday/Father’s Day meal. When the check came, my SIL took it and told us how much we owed—we ended up splitting the $300 bill in half. In years past ...
by cutehumor
Mon Jun 25, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC: Social Security buying power has slipped by a third for retirees
Replies: 95
Views: 7517

Re: CNBC: Social Security buying power has slipped by a third for retirees

Not terribly surprising, given the exponential increase in healthcare. I'm not quite sure where the increase, if any, is coming from. A friend just had robotic abdominal surgery and the surgeon got paid $600 by medicare, while the anesthesiologist raked in a whopping $125. I'm paying an appliance r...
by cutehumor
Thu Jun 07, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Paper tax return filed at deadline - still no refund 7 weeks later
Replies: 27
Views: 2553

Re: Paper tax return filed at deadline - still no refund 7 weeks later

This happened to me a few years ago. I forgot to get my wife to sign the paper tax return. it was mailed back to me. I noticed it went from Kansas city to California then back to me. They had two sets of eyes look over the entire return.
by cutehumor
Thu Jun 07, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5634

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

If the a/c unit is frozen, it's either an air filter issue or you have a freon leak. Since you have changed the filters, it's a freon leak somewhere in the system. I had a freon leak a few years ago, it was coming from the compressor line. The warranty should take care of it, since it's 1 year old.
by cutehumor
Thu Jun 07, 2018 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Mea culpa - market-timing with REITs - what to do now?
Replies: 25
Views: 3123

Re: Mea culpa - market-timing with REITs - what to do now?

I notice REITS are making a slight comeback lately, when all the trade war speculation and volatility in the market. Supposedly, REITS are acting like bonds now since interest rates affect both.
by cutehumor
Tue May 15, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Do I tell Social Security I retired?
Replies: 32
Views: 4377

Re: Do I tell Social Security I retired?

one time I got a letter from social security asking if my income was correct. It was my earnings history. I quit working to go back to school for almost three years. so, they know when you stop paying into social security.
by cutehumor
Mon Apr 23, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: In-laws financial advisor rip off
Replies: 35
Views: 4657

Re: In-laws financial advisor rip off

OP,

stay out of your in-laws financial matters. I know you want to protect them, but there is nothing you can do. I know my in laws see a Raymond James advisor for over 30 years, so I know the feeling.
by cutehumor
Fri Apr 20, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check on my taxes
Replies: 3
Views: 817

Re: Sanity check on my taxes

a traditional IRA contribution of 11k for him and his wife can bring $2750 refund, if he's in the 25 percent tax bracket, and did not contribute much to his 401k
by cutehumor
Wed Apr 18, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 4332

Re: Broke up with my girlfriend for financial reasons: crazy?

Op,

You got out in Time! She wanted a sugar daddy. Someone who will be a provider. If you married, she would quit her job and live off your 260k salary
by cutehumor
Mon Mar 19, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I continue to participate in my Megacorp ESPP?
Replies: 12
Views: 1626

Re: Should I continue to participate in my Megacorp ESPP?

I sold my megacorp ESPP last year. I owned it for less than a year, which was disqualifying. I have 15% discount with 6 month look back provision. I can contribute 10% of my salary. I only sold 26 shares. I made $1300 bucks profit, which was reported on my w2 form. I used turbotax 2017 premier. I pa...
by cutehumor
Sun Mar 18, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 19300

Re: Bought house six months ago - now feeling like we're treading water and can't save money

OP, Who will watch the baby? daycare? I pay 1165 per month for my 3 year old son. 13,980 per year. So, either your wife will cut down on her income/job to watch the baby at home. or you pay daycare or you have a family member to watch your baby for free? My wife watches the baby. She was only makin...
by cutehumor
Sun Mar 18, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 19300

Re: Bought house six months ago - now feeling like we're treading water and can't save money

OP,

Who will watch the baby? daycare? I pay 1165 per month for my 3 year old son. 13,980 per year. So, either your wife will cut down on her income/job to watch the baby at home. or you pay daycare or you have a family member to watch your baby for free?
by cutehumor
Wed Feb 21, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: 403b plan forcing me from Vanguard to Fidelity!!
Replies: 9
Views: 913

Re: 403b plan forcing me from Vanguard to Fidelity!!

After 6 lovely years at Vanguard I just got an email that we're being forced over to Fidelity. My previous investments were: A total US bond index fund VBMFX (0.15%) A total US stock index fund VTSMX (0.15%) A total international stock index fund VGTSX (0.18%) My new options are as follows: https:/...
by cutehumor
Sun Feb 11, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help Sell FIRE to spouse
Replies: 31
Views: 4228

Re: Help Sell FIRE to spouse

I have a simple exercise that can help to save you money on useless FAs. Ask your wife the following questions: 1) If we had $2M, would you feel comfortable? If no: 2) If we had $20M, would you feel comfortable? If no: 3) If we had $200B, would you feel comfortable? If no: Retire yourself and let y...
by cutehumor
Fri Feb 09, 2018 5:26 am
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 17089

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I'm 40. I'm at 100% stock (60 US/40 International). I'm weird also. I get happy when the stock market goes up, but I'm also happy when the stock prices drop as I can get the sale. If you are 100% invested, what do you use to buy with when you "get the sale"? just wondering! balbrec2 Great question....
by cutehumor
Mon Feb 05, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 18556

Re: Vanguard site is crashed now?

Sell! Sell! Stock is gonna drop another ten percent this week by this Friday! :twisted: