Search found 35 matches

by Yankuba
Tue Dec 12, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 143
Views: 14488

Re: What to do after losing $117k in stock market?

Invest minimum to obtain any 401k matching and attack the student loans with a vengenge with every extra dollar. Make it a game to see how fast you can do it to add some excitement. +1 I agree 100%. Invest enough to get the 401k match and then eliminate the student loans. Stay away from individual ...
by Yankuba
Tue Nov 14, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Going to College to become a Teacher - 19 Started Roth IRA.
Replies: 15
Views: 1294

Re: Going to College to become a Teacher - 19 Started Roth IRA.

Roth IRA is a great idea. As you accumulate more savings, consider adding a cash or bond component you can use to invest specifically when there are large dips. You can also consider adding an international fund. Working outside of academia while getting your degree is a great idea not only financi...
by Yankuba
Tue Nov 14, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: P/E ratio only 18??
Replies: 8
Views: 926

Re: P/E ratio only 18??

I don't believe any of the numbers coming out of individual companies are accurate (accounting is gray and these companies are massive as well as complex) so I'm not surprised there's no consensus on something as important as a P/E ratio for an entire index. I know people who won't touch stocks, mut...
by Yankuba
Sun Nov 12, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Draft a will with legalzoom or other online legal help
Replies: 65
Views: 4763

Re: Draft a will with legalzoom or other online legal help

What is the going rate for a will in a major city? My attorney who does our real estate closings wants $2500 and a friend just paid $2500. I was only charged $1500 for the the real estate closings which I imagine require more hours of labor than plugging a few names into a document. Our will should ...
by Yankuba
Wed Nov 01, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5601

Re: New Car: Ever make sense to lease?

Re: the discussion about ICE vs. electric, there is some recent press on the challenges of supplying enough materials for the car batteries:

https://jalopnik.com/we-may-not-have-en ... 1820008337
by Yankuba
Wed Oct 25, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What information needed for insurance (auto; home; liability) quotes
Replies: 6
Views: 485

Re: What information needed for insurance (auto; home; liability) quotes

You may want to unfreeze your credit if you shop for auto insurance. I froze my insurance and shopped around recently and everyone wanted 3x what I am paying now. I assume I am getting beat up because they can't see my credit and they are assuming the worst. "The first thing you should know is that ...
by Yankuba
Thu Oct 19, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 157
Views: 12574

Re: Account security - Hackers gain access to mobile and then break havoc

My phone died this weekend. I went into the local Verizon store, handed over my drivers license and bought a new phone. I told the representative I have a PIN on the account and he looked at me like I had two heads. My number went from the old phone to the new phone without any problems. Did you ha...
by Yankuba
Thu Oct 19, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 157
Views: 12574

Re: Account security - Hackers gain access to mobile and then break havoc

I put a PIN on my Verizon account - I was under the impression that when you request service on your account in person or over the phone you have to provide the PIN and/or identification. My phone died this weekend. I went into the local Verizon store, handed over my drivers license and bought a new...
by Yankuba
Tue Oct 17, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Honest Contractor Reviews
Replies: 10
Views: 744

Re: Honest Contractor Reviews

Angie's List. It's free to set up an account
by Yankuba
Fri Oct 06, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8594

Re: I'm thinking about cashing completely out of equites....

You can change your allocation but I would do it gradually and not all at once. I increase my bonds by 1.25% a year - manually. You may live another 40 years and there may be really cool things to buy in the future (robots!). What seems like a lot of money today might not be a lot of money in 20 yea...
by Yankuba
Fri Oct 06, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks, how safe are they?
Replies: 31
Views: 2079

Re: Paper checks, how safe are they?

Fraudsters won't take the information from a check and steal your identity. They will make counterfeit checks and buy things drawn on your account. Or they will order legit checkbooks with your name, address, routing number and account number. The USA is the last modern nation to use checks. Here i...
by Yankuba
Fri Oct 06, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks, how safe are they?
Replies: 31
Views: 2079

Re: Paper checks, how safe are they?

Fraudsters won't take the information from a check and steal your identity. They will make counterfeit checks and buy things drawn on your account. Or they will order legit checkbooks with your name, address, routing number and account number. The USA is the last modern nation to use checks. Here is...
by Yankuba
Tue Oct 03, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 391
Views: 55638

Re: Identity theft

Vanguard now lets you do a voice verification thing - you say a sentence three times and they record you. If someone calls up pretending to be you they can't pass the voice verification.
by Yankuba
Tue Oct 03, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 391
Views: 55638

Re: Identity theft

That's a terrible situation. You need to lock everything down and definitely get a police report. Here is a thread I found on another message board, but I believe there is good information on identity theft here at Bogleheads: In light of the Equifax breech, and all of the various data leaks, as som...
by Yankuba
Wed Sep 27, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4799

Re: $700 to install a dishwasher seem by a plumber?!

Ask a friend or coworker for a plumber. Check Angie's List (it's free to join). It should be a $150 job
by Yankuba
Thu Sep 14, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 157
Views: 12574

Re: Account security - Hackers gain access to mobile and then break havoc

This is scary. I just took my mobile number off my email account and used my work email address as the alternate.
by Yankuba
Tue Sep 12, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 3181

Re: "Luxury" Vinyl vs Laminate flooring?

I think it's really just personal preference. I've seen all these products in a range of prices for each of the categories. There is real hardwood out there for less money than expensive laminate and vinyl plank, and vice versa. For me I definitely want a certain look or color pattern but more of i...
by Yankuba
Mon Sep 11, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 3181

Re: "Luxury" Vinyl vs Laminate flooring?

The people I bought from had tile in their kitchen but they tore it out and replaced it with luxury vinyl from Lumber Liquidator. The floor lasted less than one year before numerous cracks reared up. The floor below the vinyl must be extremely level and the floor under my vinyl was not. So we hired ...
by Yankuba
Sun Sep 03, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Day trips from Las Vegas
Replies: 16
Views: 1795

Re: Day trips from Las Vegas

We took one of those tour busses and went to Oatman AZ (wild donkeys!) and a gold mine. Highly recommended.
by Yankuba
Fri Sep 01, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Are Roomba's effective?
Replies: 53
Views: 4976

Re: Are Roomba's effective?

Our experience is that they are more trouble then they are worth. They take quite a bit of cleaning all wheels and brushes to keep them working correctly. And while it is implied that they are a "smart" device they are essentially completely blind bumper cars that randomly move in a direction until...
by Yankuba
Thu Aug 31, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Credit Cards - Disaster
Replies: 42
Views: 5582

Re: Capital One Credit Cards - Disaster

If you don't plan on obtaining new credit (i.e. credit card, mortgage, car loan) it's not a bad idea to freeze your credit profile so people cannot fraudulently obtain credit in your name.
by Yankuba
Fri Jun 30, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Insurance
Replies: 46
Views: 3697

Re: Engagement Ring Insurance

I've insured my wife's ring now for the last ten years - the cumulative cost is still a fraction of what the replacement cost is. That is a cheap price to pay. Investing the total cost of ring in any fund over this time has been multiplied, while cost remains a fraction. I'm with you. The textbook ...
by Yankuba
Tue Apr 18, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is doing an Ask Me Anything (AMA) on Reddit Today
Replies: 6
Views: 2067

Re: Mr. Money Mustache is doing an Ask Me Anything (AMA) on Reddit Today

MMM said on Facebook he was doing a Reddit AMA today at 1PM EST
by Yankuba
Mon Apr 17, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Any MPA Grads or Students? Advice.
Replies: 10
Views: 1396

Re: Any MPA Grads or Students? Advice.

I'm 37 and work for the federal government. I completed ~16 years of federal service and hope to retire early with the pension @ 25 years of service. My plan after I retire at 47 is to transition into the non-profit sector. So a few years ago I decided to get my MPA - part time (I also have kids) -...
by Yankuba
Mon Apr 17, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Any MPA Grads or Students? Advice.
Replies: 10
Views: 1396

Re: Any MPA Grads or Students? Advice.

I'm 37 and work for the federal government. I completed ~16 years of federal service and hope to retire early with the pension @ 25 years of service. My plan after I retire at 47 is to transition into the non-profit sector. So a few years ago I decided to get my MPA - part time (I also have kids) - ...
by Yankuba
Fri Feb 24, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Peer-to-peer lending as an investment?
Replies: 52
Views: 5312

Re: Peer-to-peer lending as an investment?

I started investing in 2012. According to LC's math, my return is 6.80% (annual) but according to the summary page: I deposited $27,000 I withdrew $28,500 and my account is currently worth $1,500 So it looks like I am up $3,000 on a $27,000 investment over ~4 years - which seems much smaller than 6....
by Yankuba
Fri Feb 24, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Banks with 2 factor authentication?
Replies: 18
Views: 3193

Re: Banks with 2 factor authentication?

I use Wells Fargo and selected the token authorization. You need to log in and then input the 6 digit number from the token. They send you the token and the cost is $25. Well worth it in my opinion. But I never got charged for the token anyway. The number changes every few seconds. I think they als...
by Yankuba
Sat Jan 14, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to NOT go all G Fund for Bond Allocation?
Replies: 5
Views: 1005

Re: Any reason to NOT go all G Fund for Bond Allocation?

My bonds are 100% G fund. It's risk free but you earn higher than the risk free rate. It's a rare free lunch
by Yankuba
Sat Jan 07, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Which stock index fund for gift to grandchildren
Replies: 25
Views: 2314

Re: Which stock index fund for gift to grandchildren

letsgobobby wrote:My children (7 and 9) invest exclusively in the Vanguard Target Retirement 2060 fund. It has domestic and international stocks and bonds and that should somewhat mitigate distributions over the years. In my eyes it is a 'set it and forget it' choice.


+1

I would select a target retirement fund
by Yankuba
Sat Jan 07, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: "The 401k Problem We Refuse to Solve"
Replies: 49
Views: 5119

Re: "The 401k Problem We Refuse to Solve"

What I really hate about pensions is that if I die before my 25th year - when I can activate my pension - my heirs get nothing. They don't get the survival benefits of my 24 years of service. But my heirs will get my 401k and IRAs. It all depends. If by "heirs" you mean spouse/children, i...
by Yankuba
Fri Jan 06, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: "The 401k Problem We Refuse to Solve"
Replies: 49
Views: 5119

Re: "The 401k Problem We Refuse to Solve"

Personally, although I hope to get a federal pension in 10 years I think we need to move away from pensions. Pensions lock people into jobs and prevent people from making career moves. I need 25 years of service to retire early but I started hating my job after 10. But it would be financial suicide ...
by Yankuba
Thu Dec 29, 2016 1:02 pm
Forum: Investing - Theory, News & General
Topic: All your eggs in one basket vs. concern about being hacked?
Replies: 41
Views: 5741

Re: All your eggs in one basket vs. concern about being hacked?

Vanguard says they will make you whole: "Our online fraud policy Our commitment regarding online security is simple. If assets are taken from your account in an unauthorized online transaction on vanguard.com—and you've followed the steps described in the "Your responsibilities" secti...
by Yankuba
Wed Dec 07, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Computer hacked. Next?
Replies: 15
Views: 2112

Re: Computer hacked. Next?

I fell for this scam. I had an e-mail issue, Googled for help, found a link for a Microsoft (800) number and called it. An Indian guy answered, I walked him through the problem and I gave him access to my machine. I didn't think it was unusual to give remote access because that is what I do with Del...