Search found 53 matches

by Yankuba
Tue Jan 16, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Forms Now Online
Replies: 38
Views: 1942

Re: Vanguard Tax Forms Now Online

Vanguarded upgraded me from mutual fund accounts to brokerage in 2017. The 1099s for the mutual funds are ready (covering one quarter of dividends and trades) but I will have to wait until February for the rest of the year’s dividends and trades. Kind of annoying
by Yankuba
Sun Jan 14, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 3050

Re: How long do you save tax returns?

Can’t you get an old return from the IRS if you need it?
by Yankuba
Mon Jan 08, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone received their IRS PIN?
Replies: 9
Views: 686

Re: Anyone received their IRS PIN?

I got mine on January 7
by Yankuba
Sat Jan 06, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 7348

Re: How much are you putting in a 529?

NYS resident, two kids.

I contribute $5k per kid per year. NYS lets me write off the $10k but no more than that.

50% of the money goes to the conservative age based option

50% of the money goes to the moderate age based option

With only a 20 year timeline I didn’t want to be too stock heavy
by Yankuba
Thu Jan 04, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4464

Re: ID theft and check cashing fraud

At which point and in which amount does it become worthy of investigation, in your estimation, and who should make that determination ? Sorry to hear about your troubles! I went through identity theft a few years ago. I didn't find law enforcement very helpful. My take-away was that identity theft ...
by Yankuba
Thu Jan 04, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4464

Re: ID theft and check cashing fraud

What a depressing thread. The thief sounds like a real pro, which means there could be more nasty surprises in the future. It couldn't hurt to sign up to LifeLock - if the fraud continues they may assign someone to your case to help clean things up. But since the theft already happened and the thief...
by Yankuba
Thu Jan 04, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: HumbleDollar by Jonathan Clements
Replies: 3
Views: 631

Re: HumbleDollar by Jonathan Clements

It's okay. It's pretty basic. Reformed Broker is good
by Yankuba
Wed Jan 03, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 74
Views: 3500

Re: E-reader for ebooks - Pros and Cons

I love my B&W Kindle Paperwhite. You can subscribe to Bookbub for a daily email blast of books under $4.00 and Amazon also has a page for daily books under $4.00. You should be able to find one or two books a week for under $4.00 - many former best sellers and classics. I rarely pay full price for b...
by Yankuba
Thu Dec 28, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 40
Views: 2929

Re: Hyundai quality and reliability

My father has owned four Sonatas and has been happy with all of them
by Yankuba
Thu Dec 28, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 4619

Re: A Year of Extreme Frugality

OP should post his/her monthly budget so everyone can weigh in. Otherwise just use the Google machine and search for "frugality tips"
by Yankuba
Tue Dec 26, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Deduction Question
Replies: 21
Views: 1742

Re: Charitable Deduction Question

All my charities accept credit cards or PayPal. It's almost 2018!!!
by Yankuba
Sat Dec 23, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: ROBO and BOTZ
Replies: 4
Views: 424

Re: ROBO and BOTZ

maybe you missed some of the earlier posts? Always good to do a search before posting. Your question may have already been asked/discussed. Read more here: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=232724 https://www.google.com/search?sitesearch=bogleheads.org&q=botz regarding BOTZ, here...
by Yankuba
Sat Dec 23, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: ROBO and BOTZ
Replies: 4
Views: 424

ROBO and BOTZ

I am a big believer that robots and software will eat humans’ lunch. What are your thoughts on these two robotics and automation ETFs? ROBO BOTZ I know I already own the American companies in these ETFs via my index funds but a good chunk of these ETFs are foreign and my foreign exposure is low. Tha...
by Yankuba
Fri Dec 22, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: opinions requested on student college decision / financial related
Replies: 87
Views: 4143

Re: opinions requested on student college decision / financial related

My vote would be for the state school route. My daughter chose a competitive BSRN program at a SUNY school over an equally competitive New York State private school. She never regretted the decision and the all in cost for her BSRN was less than 40k (2007 grad) Fast forward five years, DD obtained ...
by Yankuba
Fri Dec 22, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidation of Vanguard accounts after getting married
Replies: 10
Views: 720

Re: Consolidation of Vanguard accounts after getting married

I think I would advocate to maintain the individual accounts, as well as the joint accounts. Keep in mind that with the joint account any one person may decide to drain the account if the relationship goes bust. Not saying it will occur, but in my opinion it is a bit too drastic to only have joint ...
by Yankuba
Thu Dec 21, 2017 9:19 pm
Forum: Investing - Theory, News & General
Topic: Receiving unexpected SMS security codes
Replies: 7
Views: 1045

Re: Receiving unexpected SMS security codes

OK. I will fess up. I have made a mistake on one of my usernames and caused some person I will never know to receive codes and have their account locked. I am not denying the possibility of a hacking attempt. But, a mistake by a fellow customer is probably at least as likely. Once I tried logging i...
by Yankuba
Mon Dec 18, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: opinions requested on student college decision / financial related
Replies: 87
Views: 4143

Re: opinions requested on student college decision / financial related

I vote state school. What doors will top three open that top twenty will not? If there is a big difference I will reconsider my vote but a $160k difference in the two options is a big deal.
by Yankuba
Sun Dec 17, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Buying a new sofa with two young kids?
Replies: 36
Views: 2359

Re: Buying a new sofa with two young kids?

How can juice get spilled on the couch? The rule in our house was no food outside the kitchen. Seriously, DS came home from college and I had to reassure him that he was an actual grown-up adult and it was ok to eat an apple in the family room. Because the No Food Outside The Kitchen rule was firm....
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: 156
Views: 16783

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: 1370

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: 936

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: 5022

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: 5901

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: 509

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: 13160

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: 13160

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: 777

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: 8772

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: 2151

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: 2151

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: 392
Views: 58140

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: 392
Views: 58140

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: 4947

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: 13160

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: 3385

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: 3385

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: 1830

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: 5094

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: 5753

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: 3783

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: 2083

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: 1407

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: 1407

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: 5433

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: 3618

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: 1019

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: 2369

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: 5157

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...