Search found 95 matches

by cutehumor
Wed Oct 17, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 53
Views: 4860

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: 3976

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: 6521

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: 1383

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: 2928

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: 27
Views: 2225

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: 7361

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: 753
Views: 73935

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: 20513

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: 13315

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: 12181

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: 7824

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: 7422

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: 2491

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: 5549

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: 3077

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: 4277

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: 4498

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: 779

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: 4072

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: 1553

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: 18765

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: 18765

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: 860

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: 4122

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: 16526

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: 17838

Re: Vanguard site is crashed now?

Sell! Sell! Stock is gonna drop another ten percent this week by this Friday! :twisted:
by cutehumor
Sun Feb 04, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 16526

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.
by cutehumor
Sat Feb 03, 2018 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 50240

Re: Today was a Really Bad Day

I'm so glad for the drop. I just got a bonus from work, so I'm gonna put 50% of my paycheck in my 401k the next few weeks. Buying stock on sale! This is a sale? There was a better sale less than a month ago. I already maxed my roth IRA on Jan 2. My bonus is paid at end of every February. I'm hoping...
by cutehumor
Sat Feb 03, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 65635

Re: Retreat to cash

bling wrote:
Sat Jan 27, 2018 8:13 pm
i hope OP eventually returns to tell us whether they got back into the market or is still waiting for the crash.
So she can be tarred and feathered? I'm at 25.82% one year return in my portfolio and that's counting the big drop the last week. This thread should be a sticky.
by cutehumor
Sat Feb 03, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 50240

Re: Today was a Really Bad Day

I'm so glad for the drop. I just got a bonus from work, so I'm gonna put 50% of my paycheck in my 401k the next few weeks. Buying stock on sale!
by cutehumor
Sun Jan 28, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 10062

Re: WHY do wireless routers need periodic reboots?

This is why I don't go cheap on wireless routers. My home relies on the internet way too much for work at home, slingtv/netflix streaming, and multiple phones/tablets/laptops. I spent $200 on Asus RT-68-u wireless router three or four years ago. I have never had to reboot it by itself. The only time...
by cutehumor
Thu Jan 25, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 7007

Re: Thinking About Timing the Market

I appreciate everyone's responses. But so far, they all seem idealogical -- stated as a maxim in a vacuum without engaging the circumstances I mentioned in my post. Obviously, past patterns don't necessarily govern future events. But is anyone here seriously going to say that this bull market will ...
by cutehumor
Sun Jan 21, 2018 7:17 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 363
Views: 44151

Re: Year 2000 retirees using the '4% rule' - Where are they now?

awhile back, i found an online article about retiree in 2000. one million invested from 2000-2010 with 4 percent withdrawal in vanguard 500. 100% stock portfolio would be broke. no bonds and no rebalancing
by cutehumor
Sun Jan 14, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 188
Views: 24531

Re: Anyone disenchanted with retirement?

I'm 40 year old male. I was talking to a good friend at our job a few days ago. She's 63 years old. We were talking about our job. She was very stressed and was angry at "idiots" at our job. She was beleaguered at a dismal raise she may get next month and a "measley" bonus. She sounded burned out. S...
by cutehumor
Mon Jan 01, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey's voice is in my head...(Updated 12/31/2017)
Replies: 101
Views: 16092

Re: Dave Ramsey's voice is in my head...

Hang in there man. I personally am much more optimistic than the typical crowd here. I subscribe to the bigger idiot theory. No matter how stupid you are there's always somebody that's a bigger idiot. :D I had a $40k Ford F250 6.0 diesel that we decided we didn't need anymore when I was getting 11 ...
by cutehumor
Fri Dec 01, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 31868

Re: Why not take Social Security at 62

I'm anticipating the news to report the SS fund to run out by 2034 as we get closer to that date, which can be misleading. "oh no, I won't get a SS check anymore in 2034". The SS fund will have enough money to pay only 79% of benefits starting in 2034. I expect the majority of those 62 at that time ...
by cutehumor
Wed Nov 29, 2017 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Invest or pay off mortgage?
Replies: 77
Views: 9588

Re: Invest or pay off mortgage?

if you fear a crash or correction is coming, pay off the mortgage. when the correction or crash happens, stop paying the mortgage in advance and invest in the market. win win
by cutehumor
Mon Nov 27, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 10317

Re: Growing Number of Electric Vehicles

Electric vehicles appear to be the future. GM has said as well. why? the batteries are dropping in price rapidly and the EV range is increasing. I believe the 2018 Nissan Leaf range is 150 miles. Chevy Bolt is 230ish mile EV range. of course, Tesla leads the pack with 300 mile range in their higher ...
by cutehumor
Tue Nov 21, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 31868

Re: Why not take Social Security at 62

I'm 40 years old. My wife will be 40 in a few months. one out of my four grandparents made it to age 77, two of them died of cancer. The other three died before age 77. I also lost my right lung due to a tumor at age 33. My sister has colorectal cancer at age 46. I'm taking social security at age 62...
by cutehumor
Sun Oct 29, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ok to have 100% stocks, 15 years+
Replies: 97
Views: 11188

Re: Is it ok to have 100% stocks, 15 years+

I'm at 95% stock/5% bonds and I'm 40 years old. The low expected returns for stocks/bonds in the future and I have another 20 plus years of full time work ahead is why I'm heavy in stocks. I have to swing hard for fences with high stock allocation, if I want to have a decent standard of living in re...
by cutehumor
Sun Oct 29, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 6766

Re: What is going on with the home insurance rates?

My yearly renewal is in April. I recently got an insurance muller report questionnaire asking me about the condition on my home and about any upgrades in my home. They say they are contracted by metlife home owners insurance to see if I have adequate coverage for my home. I'm thinking with the hurri...
by cutehumor
Fri Oct 27, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 10198

Re: Can I retire today?

are there any "can I retire today?" where the answer is no. alot of these are no fun. It's like a supermodel asking if she looks fat in a dress. :D
by cutehumor
Thu Oct 26, 2017 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: For Those Without a State Income Tax Break, Which 529 Do You Use and Why?
Replies: 10
Views: 1093

Re: For Those Without a State Income Tax Break, Which 529 Do You Use and Why?

NY 529 plan uses vanguard funds around 0.13 expense ratio last year for my daughter
California scholarshare uses TIAA-CREF, I use 0.05 expense ratio total stock market fund for my son
by cutehumor
Wed Oct 25, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance company will not process policy due to "unknown" cause of death
Replies: 14
Views: 2951

Re: Insurance company will not process policy due to "unknown" cause of death

from an insurance side, an "unknown" cause of death could mean anything such as suicide and would result in no life insurance payout. No Life insurance company would payout, with an ambiguous cause of death. The MD who cared for him before death would need to get the death certificate updated. I pre...
by cutehumor
Sun Oct 08, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 9279

Re: Do you want your receipt?

Is this about saving paper and ink costs? Kinda how cc companies want to do online statement. They save ink, paper, and mailing costs for the "environment". Phoey, it's about saving dollars
by cutehumor
Sun Oct 08, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 6712

Re: Roof shingles do not match - Neighbor sent notice

Op,

I wonder if the old lady thinks she can get a complete new roof out of you, since you share the roof. She gets you to mow her side if the lawn and do leaf cleanup every fall. It's worth a shot.
by cutehumor
Sat Sep 30, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 10311

Re: What will happen if I refuse to pay a medical bill?

My sister had the same exact problem. Doctor group on the phone said all their doctors are in network. She saw a guy twice and got billed out of network, she was hot. She called them up and the billing said "the doctor you saw was in process of being in network to your plan". She talked the billing ...
by cutehumor
Tue Sep 26, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Muted Returns -- Thoughts?
Replies: 12
Views: 3030

Re: Vanguard Muted Returns -- Thoughts?

I would think proposed US corporate tax rate reduction would spur higher US equity returns?, unless the market has already priced tax reform as a given. :oops:
by cutehumor
Sat Sep 02, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 157
Views: 19740

Re: HSA - is keeping 40 years of medical records practical?

40 years of medical records. I decided to cash out as I spend on my healthcare. I would think risk of audit would be high, if you take out 158,378 out of your HSA in one year, after 40 years. Also, don't forget about potential health issues in the future, if you get alzheimer's/dementia, you won't e...