Search found 84 matches
- Fri Jul 19, 2019 2:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: NYT Article: Safe Deposit Boxes Aren't Safe
- Replies: 112
- Views: 14557
Re: NYT Article: Safe Deposit Boxes Aren't Safe
Sigh, another thing to worry about
- Thu Jul 18, 2019 10:10 am
- Forum: Personal Finance (Not Investing)
- Topic: Why Personal Finance is not taught in Schools in the US
- Replies: 59
- Views: 4266
Re: Why Personal Finance is not taught in Schools in the US
I believe that there is at least one study that showed that teaching personal finance in a school had no measurable change in outcome from when personal finance was not taught. That is: It does no good to teach personal finance in school. Of course, I suppose one could study whether teaching any subject in school has a measurable change in outcome, but let's not go there. +1 Financial literacy courses don't work. The meta analyses of these programs show they are a waste of time. https://money.usnews.com/money/personal-finance/family-finance/articles/2018-08-28/do-financial-literacy-courses-work "For example, a 2014 paper from three professors looked at the results from nearly 170 papers covering more than 200 scientific studies on fin...
- Tue Jul 16, 2019 3:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: College cost prediction and savings for 5, 3, and newborn
- Replies: 102
- Views: 8054
Re: College cost prediction and savings for 5, 3, and newborn
I live in NYSam1 wrote: ↑Tue Jul 16, 2019 2:44 pmWhich state is this!!?Yankuba wrote: ↑Tue Jul 16, 2019 2:06 pm I don't believe anyone mentioned the possibility that free tuition at state schools becomes a real thing sometime in the not too distant future. I believe it is more likely than college costs continuing to increase 6% a year.
So we would only need to pay for room, board, books, fees, etc. In my state the top public schools charge about $10k per year for tuition and $14k for everything else.
I just checked and SUNY Binghamton is $7k per year in tuition, $3k in fees and $16k for housing and meals. SUNY Geneseo is $8,600 in tuition.
- Tue Jul 16, 2019 2:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: College cost prediction and savings for 5, 3, and newborn
- Replies: 102
- Views: 8054
Re: College cost prediction and savings for 5, 3, and newborn
I can see that. Free tuition but the price tags for room, board and fees will be astronomical.lakpr wrote: ↑Tue Jul 16, 2019 2:17 pm$0 for tuition IF you stay on campus; on campus room and board is $25k per semesterYankuba wrote: ↑Tue Jul 16, 2019 2:06 pm I don't believe anyone mentioned the possibility that free tuition at state schools becomes a real thing sometime in the not too distant future. I believe it is more likely than college costs continuing to increase 6% a year.
So we would only need to pay for room, board, books, fees, etc. In my state the top public schools charge about $10k per year for tuition and $14k for everything else.
OR
$20k tuition fee per semester if you stay off campus
You mean we will see such games in the future?
- Tue Jul 16, 2019 2:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: College cost prediction and savings for 5, 3, and newborn
- Replies: 102
- Views: 8054
Re: College cost prediction and savings for 5, 3, and newborn
I don't believe anyone mentioned the possibility that free tuition at state schools becomes a real thing sometime in the not too distant future. I believe it is more likely than college costs continuing to increase 6% a year.
So we would only need to pay for room, board, books, fees, etc. In my state the top public schools charge about $10k per year for tuition and $14k for everything else.
So we would only need to pay for room, board, books, fees, etc. In my state the top public schools charge about $10k per year for tuition and $14k for everything else.
- Mon Jul 15, 2019 3:15 pm
- Forum: Personal Consumer Issues
- Topic: What to do in Little Rock
- Replies: 26
- Views: 3253
Re: What to do in Little Rock
+1 to the Museum of Discovery for kids. Been there many timeswriley4409 wrote: ↑Mon Jul 15, 2019 3:03 pm There is a free electric trolley that you ride around the downtown area:
https://rrmetro.org/services/streetcar/maps-schedules/
You can tour a world war 2 submarine on the Arkansas River at North Little Rock:
http://aimmuseum.org/uss-razorback/
There is a hands on childrens museum:
https://museumofdiscovery.org/
There is a free Arkansas Game and Fish education center right next door to the childrens museum:
https://agfc.com/en/explore-outdoors/na ... s/wsjcanc/
https://www.tripsavvy.com/before-you-vi ... ck-2212795
- Mon Jul 15, 2019 3:14 pm
- Forum: Personal Consumer Issues
- Topic: What to do in Little Rock
- Replies: 26
- Views: 3253
Re: What to do in Little Rock
+1 to Guslthenderson wrote: ↑Mon Jul 15, 2019 11:05 am We stopped by for a half day visit earlier this spring. We ate at Gus's World Famous Fried Chicken for lunch and then went to the Bill Clinton Museum just down the road. The chicken was great!
- Thu Jun 27, 2019 11:34 am
- Forum: Personal Finance (Not Investing)
- Topic: Equifax: can’t log in
- Replies: 78
- Views: 27549
Re: Equifax: can’t log in
I have had this problem repeatedly and spent several hours with multiple "customer service" agents trying unsuccessfully to resolve it. It's right out of Kafka or, perhaps Catch 22, because while they will tell you that something is not agreeing with the information they have, they generally won't tell you what it is so you can't correct it. The net result is that I am effectively unable to secure new credit because I can't unfreeze my Equifax report. Thankfully, I don't have an immediate need for additional credit but if I did, my head would have exploded a long time ago. The bottom line for me is that I froze my credit reports in response to Equifax's mishandling of our data and, while no one there has paid a price for their in...
- Thu Jun 27, 2019 11:32 am
- Forum: Personal Finance (Not Investing)
- Topic: Equifax: can’t log in
- Replies: 78
- Views: 27549
Re: Equifax: can’t log in
In early June I attempted to log into Equifax to thaw my credit and the site rejected my password. I called customer support and they said it was a known issue and they could thaw my credit if I answered their questions re: my credit profile. I didn't get enough answers correct so they rejected me. They told me that if I had the PIN I could thaw my credit using the automated phone system, so I did that. I called back the next day because they said the glitch would be fixed the next day and the site still wouldn't accept my password. I spoke to customer service and they told me to make a new account because they didn't have a record of me (despite me having my user name and password written down on a piece of paper). I did that and was able ...
- Sat Nov 03, 2018 3:30 pm
- Forum: Investing - Theory, News & General
- Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
- Replies: 74
- Views: 11088
Re: WSJ FIRE
As usual, no mention of children, elderly parents, medical conditions or healthcare.
FIRE is doable if you are young and healthy and easier if you are dual income no kids but good luck if you have several dependents - especially if they have special needs.
FIRE is doable if you are young and healthy and easier if you are dual income no kids but good luck if you have several dependents - especially if they have special needs.
- Tue Oct 09, 2018 3:49 pm
- Forum: Investing - Theory, News & General
- Topic: Short Term Bond yield over 3%
- Replies: 74
- Views: 12535
Re: Short Term Bond yield over 3%
TSP G Fund is at 3% as well. And on the rise!
- Tue Oct 02, 2018 2:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: Adult kids getting help from parents
- Replies: 36
- Views: 3258
Re: Adult kids getting help from parents
We are the parents of one kid in the specified age range. We pay kid’s health insurance premium, which is substantially more than $500/year. As I have said before — probably too many times — on this forum, I believe that it is preferable to provide help when kids are younger rather than having them inherit a bunch of money when they are near or in retirement themselves. It is unusual for people to be outraged at kids inheriting their parents’ money, but some people get very worked up about parents providing financial assistance when the parents are still alive. I also think parents who provide help to their kids to the extent that it compromises the parents’ financial security are nuts. My aunt agrees with Delamer - she has been giving her...
- Tue Sep 25, 2018 10:18 am
- Forum: Personal Finance (Not Investing)
- Topic: Someone stole my check from the mail, changed the amount, and deposited it
- Replies: 61
- Views: 13345
- Thu Aug 09, 2018 12:33 pm
- Forum: Personal Consumer Issues
- Topic: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)
- Replies: 17
- Views: 1964
Re: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)
I was also unimpressed with the Fire 7 I got on Prime Day. My iPhone is easier to use and more intuitive. The tablet is clunky and slow.kjvmartin wrote: ↑Thu Aug 09, 2018 12:09 pm I got a Fire HD 8 on Prime Day for $49.99 and returned it the next day. I don't get the appeal at any price and would rather spend on a extra on a used last generation iPad. It was sluggish, had rather poor screen quality, and the UI leaves a lot to be desired.
It might be fine if those things aren't important to you, but if you have any familiarity with iOS and Apple hardware, this may not work for you
- Fri Aug 03, 2018 2:34 pm
- Forum: Investing - Theory, News & General
- Topic: G Fund at 3%
- Replies: 7
- Views: 1817
Re: G Fund at 3%
When it hits 5% I'm moving my entire TSP portfolio to G. I'll keep my stocks in my taxable accounts. A guaranteed 5% is better than a hypothetical 6% to 8%
- Fri Aug 03, 2018 1:09 pm
- Forum: Investing - Theory, News & General
- Topic: G Fund at 3%
- Replies: 7
- Views: 1817
- Fri Jul 20, 2018 1:37 pm
- Forum: Investing - Theory, News & General
- Topic: Index-ish fund that lacks FAANG?
- Replies: 45
- Views: 6701
Re: Index-ish fund that lacks FAANG?
A small cap index fund will omit FAANG. A large cap value index fund (VIVAX) will omit FAANG (but it has Microsoft).
- Fri Jul 13, 2018 3:32 pm
- Forum: Personal Consumer Issues
- Topic: Be Careful Using Mailboxes
- Replies: 62
- Views: 11220
Be Careful Using Mailboxes
There has been an epidemic of mail theft in Northeast Queens. Someone stole a charity donation my parents mailed and washed the check clean of ink and wrote the check out to an unknown third person. When my father checked his balance with the teller at the bank he discovered that his $10 check became an $8500 check payable to a stranger. So he told the bank it was a fraudulent check and they made him whole and gave him new accounts but not without a lot of hassle. Obviously they had to update everyone who sends money into the account electronically. Subsequently, the same thing happened to my parents' friend and another friend. People are using devices to steal mail out of the mailboxes and they are washing checks clean or trying to move mo...
- Wed Jun 27, 2018 2:31 pm
- Forum: Investing - Theory, News & General
- Topic: Emerging Markets in Bear Territory
- Replies: 65
- Views: 10736
Re: Emerging Markets in Bear Territory
I noticed - every week I invest a couple of hundred dollars and it has all been going to Emerging Markets the last few months because it trails my other funds. I think it was my best performing index fund earlier in the year but now it is the worst. I have been in emerging markets for more than 15 years and it has been up maybe 6% per year over that time. Not terrible, but I believe it trails all US asset classes. I am getting sour on emerging markets - the ten year returns are awful - but at least it is only a small percentage of my portfolio.
- Wed Jun 20, 2018 10:32 am
- Forum: Personal Consumer Issues
- Topic: How to evaluate charities to donate to?
- Replies: 36
- Views: 2639
Re: How to evaluate charities to donate to?
Me too. I also read the IRS Form 990s whenever I can. If the 990 isn't online you can email the non profit for it. If they don't send you one it is a red flag in my book.JMacDonald wrote: ↑Wed Jun 20, 2018 9:50 am This is one organization I use:
https://www.charitynavigator.org
- Wed Jun 20, 2018 10:16 am
- Forum: Personal Consumer Issues
- Topic: Carpet Installers- Tipping?
- Replies: 22
- Views: 15424
Re: Carpet Installers- Tipping?
I don't think the mail carriers are allowed to accept tips but ours always did, lol. She used to give us extra Bed, Bath & Beyond coupons and she would make holiday goodie bags for all the children that lived in our building.criticalmass wrote: ↑Tue Jun 19, 2018 11:55 amWhen I worked for a telecom company, I would never have accepted tips. That would be a reportable concern if I did. Our union had strong warnings against doing so.Yankuba wrote: ↑Tue Jun 19, 2018 10:21 am I tip everyone that comes into my home to do work - including the cable guy. If I can afford a nice home in an expensive neighborhood I can afford $100 to $200 a year in tips on the rare occasions I have stuff done. I also buy lunch if it is an all day thing.
- Tue Jun 19, 2018 10:21 am
- Forum: Personal Consumer Issues
- Topic: Carpet Installers- Tipping?
- Replies: 22
- Views: 15424
Re: Carpet Installers- Tipping?
I tip everyone that comes into my home to do work - including the cable guy. If I can afford a nice home in an expensive neighborhood I can afford $100 to $200 a year in tips on the rare occasions I have stuff done. I also buy lunch if it is an all day thing.
- Mon May 21, 2018 3:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Comparing ways to protect ones financial identity
- Replies: 11
- Views: 1661
Re: Comparing ways to protect ones financial identity
Set up email/text alerts so you are notified of all account activity (bank, brokerage, credit card).
- Mon May 21, 2018 3:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: Chase Savings Account emptied out!
- Replies: 77
- Views: 15260
Re: Chase Savings Account emptied out!
This is a good reminder for everyone to sign up for e-mail/text alerts (bank, brokerage and credit card) so you get a notification whenever there is account activity.
- Mon Feb 26, 2018 2:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Capital One is replacing bank branches with coffee shops & ATMs. Wave of the future?
- Replies: 39
- Views: 6351
Re: Capital One is replacing bank branches with coffee shops & ATMs. Wave of the future?
Will Starbucks be getting into the banking business if Capital One is successful with this venture? :wink: It's hard for me to evaluate this business model in a positive light because I'm not the type of person that fits into the intended demographics. I don't go to coffee shops, I don't drink coffee and when I do go to bank branches, I like to get in and get out as opposed to linger and socialize with the bank staff. This business model might be feasible for coffee drinkers who have a great variety of banking needs, but I'm doubtful a Capital One cafe will be appealing to most other people. For a moment, ignore the coffee shops. What about Capital One getting rid of bank branches, and just going with CapitalOne360 online accounts, and enh...
- Mon Feb 26, 2018 12:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: Capital One is replacing bank branches with coffee shops & ATMs. Wave of the future?
- Replies: 39
- Views: 6351
Re: Capital One is replacing bank branches with coffee shops & ATMs. Wave of the future?
What about cashier's checks for real estate, cars, etc.? Guess they know millennials aren't buying homes or cars so they don't need cashier's checks!
- Thu Feb 15, 2018 5:02 pm
- Forum: Personal Consumer Issues
- Topic: How do docs treat "white coat hypertension"?
- Replies: 35
- Views: 3830
Re: How do docs treat "white coat hypertension"?
+1eye.surgeon wrote: ↑Thu Feb 15, 2018 3:34 pm Check it at home, keep a record, give it to your doc on exam day.
The machines they use in the walk in clinic and drugstores are always inaccurate for me. I use the Omron at home and at work and get the official reading at my annual checkup with an old school cuff and stethescope. As long as you are low at home you’re good.
- Thu Feb 08, 2018 7:25 pm
- Forum: Personal Investments
- Topic: Request for Investment and Finance Assistance
- Replies: 16
- Views: 823
Re: Request for Investment and Finance Assistance
I would focus on the debt before worrying about investing (although your investing looks fine to me). Start with the highest interest and work your way down. It takes great returns in the market to offset the negative returns you are getting by carrying debt. I estimate that my long term returns in the stock market will be in the 5-6% range, so if any debts have a higher rate than that, pay them off as soon as possible. I would quit paying extra on my mortgage and quit investing in my taxable account (and probably my Roth) until the credit card and personal loans are paid off. (I would continue using the 401K as that lessens my taxes) I would also take a close look at how much joy you are getting out of your 2 vehicles to determine if it w...
- Sat Feb 03, 2018 1:18 pm
- Forum: Personal Consumer Issues
- Topic: Re: Where to buy a Vanguard hat? An Update and good news
- Replies: 152
- Views: 41974
Re: Where to buy a Vanguard hat? An Update and good news
I got my mug today!Yankuba wrote: ↑Thu Jan 18, 2018 3:54 pm Yesterday, Vanguard posted a photo of their mug on Facebook and everyone asked where to get it and their social media person said to send a private message to Vanguard get one.
If you "like" or add Vanguard on Facebook you can then send them a private message with your name and address.
Fingers crossed I get a mug!
- Thu Jan 18, 2018 3:54 pm
- Forum: Personal Consumer Issues
- Topic: Re: Where to buy a Vanguard hat? An Update and good news
- Replies: 152
- Views: 41974
Re: Where to buy a Vanguard hat? An Update and good news
Yesterday, Vanguard posted a photo of their mug on Facebook and everyone asked where to get it and their social media person said to send a private message to Vanguard get one.
If you "like" or add Vanguard on Facebook you can then send them a private message with your name and address.
Fingers crossed I get a mug!
If you "like" or add Vanguard on Facebook you can then send them a private message with your name and address.
Fingers crossed I get a mug!
- Thu Jan 18, 2018 2:18 pm
- Forum: Personal Consumer Issues
- Topic: I got a Roomba and think you should too
- Replies: 41
- Views: 6173
Re: I got a Roomba and think you should too
LOL. You beat me to it! For those who didn't click on the link, someone activated their Roomba without supervision and it spread dog poop all over the home. So if you have pets you need to be careful letting the Roomba run autonomously.nisiprius wrote: ↑Thu Jan 18, 2018 2:03 pm ...Unless you have a pet...
http://www.scarymommy.com/roomba-meets- ... se-newton/
My wife made me buy the $300 Roomba and I hate it. Like the OP said, it randomly zig zags around the room, thus it takes forever to fully clean the room. Some areas get vacuumed multiple times while other areas get ignored. It also occasionally gets trapped under furniture. I hate it hate it hate it!
- Tue Jan 16, 2018 8:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: Vanguard Tax Forms Now Online
- Replies: 40
- Views: 9837
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
- Sun Jan 14, 2018 4:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: How long do you save tax returns?
- Replies: 39
- Views: 4975
Re: How long do you save tax returns?
Can’t you get an old return from the IRS if you need it?
- Mon Jan 08, 2018 8:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: Anyone received their IRS PIN?
- Replies: 13
- Views: 1897
Re: Anyone received their IRS PIN?
I got mine on January 7
- Sat Jan 06, 2018 6:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: How much are you putting in a 529?
- Replies: 111
- Views: 17099
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
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
- Thu Jan 04, 2018 2:34 pm
- Forum: Personal Finance (Not Investing)
- Topic: ID theft and check cashing fraud
- Replies: 97
- Views: 9964
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 is a crime that pays because no one has much interest in pursuing the thief. What did help was working with an identity theft resolution firm. I was fortunate that my bank offered it as a perk to customers. Some homeowners policies cover the cost of identity theft resolution services. Have you checked your policy to see if you have that benefit? I hate to give you something else to worry about, but we are entering tax season. Even if your husband...
- Thu Jan 04, 2018 2:33 pm
- Forum: Personal Finance (Not Investing)
- Topic: ID theft and check cashing fraud
- Replies: 97
- Views: 9964
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 is making mischief, I'm not sure if LifeLock will take you as a customer.
Definitely freeze your credit and close all active accounts and reopen them elsewhere. Use two factor authorization for the e-mail and financial accounts and set up alerts with the credit card companies and financial institutions to get notified on every transaction/trade.
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 is making mischief, I'm not sure if LifeLock will take you as a customer.
Definitely freeze your credit and close all active accounts and reopen them elsewhere. Use two factor authorization for the e-mail and financial accounts and set up alerts with the credit card companies and financial institutions to get notified on every transaction/trade.
- Thu Jan 04, 2018 10:50 am
- Forum: Investing - Theory, News & General
- Topic: HumbleDollar by Jonathan Clements
- Replies: 3
- Views: 956
Re: HumbleDollar by Jonathan Clements
It's okay. It's pretty basic. Reformed Broker is good
- Wed Jan 03, 2018 1:14 pm
- Forum: Personal Consumer Issues
- Topic: E-reader for ebooks - Pros and Cons
- Replies: 74
- Views: 6050
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 books anymore.
https://www.bookbub.com/welcome
https://www.amazon.com/gp/feature.html/ ... 1000677541
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 books anymore.
https://www.bookbub.com/welcome
https://www.amazon.com/gp/feature.html/ ... 1000677541
- Thu Dec 28, 2017 8:35 pm
- Forum: Personal Consumer Issues
- Topic: Hyundai quality and reliability
- Replies: 44
- Views: 7634
Re: Hyundai quality and reliability
My father has owned four Sonatas and has been happy with all of them
- Thu Dec 28, 2017 12:15 pm
- Forum: Personal Consumer Issues
- Topic: A Year of Extreme Frugality
- Replies: 48
- Views: 6926
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"
- Tue Dec 26, 2017 12:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: Charitable Deduction Question
- Replies: 21
- Views: 2282
Re: Charitable Deduction Question
All my charities accept credit cards or PayPal. It's almost 2018!!!
- Sat Dec 23, 2017 1:19 pm
- Forum: Personal Investments
- Topic: ROBO and BOTZ
- Replies: 4
- Views: 1231
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's what I wrote before (https://www.bogleheads.org/forum/viewtopic.php?t=232724#p3626854): holds just 29 stocks. That doesn't sound like enough diversification for me, but to each his/her own. In fact the prospectus classifies this as carrying "non-diversified risk" under the investment company act of 1940. Did you read the prospectus? It's interesting. There's a very long list of risks, and they're nicely alphabetized from &quo...
- Sat Dec 23, 2017 12:58 pm
- Forum: Personal Investments
- Topic: ROBO and BOTZ
- Replies: 4
- Views: 1231
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.
Thank you
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.
Thank you
- Fri Dec 22, 2017 12:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: opinions requested on student college decision / financial related
- Replies: 87
- Views: 7223
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 her NP with full tuition paid for by her employer with no strings attached. Fast forward another five years DD is now a published Advanced Oncology Certified ANP, who never works weekends or holidays, It seems DD gets more recruiter calls than I get pieces of junk mail. as a side note dream schools do not always meet the hype of the dream once you get on campus. I should know I went to three different what I thought we dream schools before finish...
- Fri Dec 22, 2017 12:39 pm
- Forum: Personal Investments
- Topic: Consolidation of Vanguard accounts after getting married
- Replies: 10
- Views: 1762
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 accounts. It may be a good idea to periodically sweep equal amounts to the individual accounts for "long term individual savings". In case there is incoming inheritance money, having individual accounts would make it straight forward to deposit to the correct account. +1 Keep the accounts separate - in case the worst happens you don't want your spouse liquidating your assets to run off with a new lover. And it is important not to coming...
- Thu Dec 21, 2017 8:19 pm
- Forum: Investing - Theory, News & General
- Topic: Receiving unexpected SMS security codes
- Replies: 7
- Views: 2501
Re: Receiving unexpected SMS security codes
Once I tried logging into my Vanguard account and I was told to call an 800 number because my account was locked. When I confirmed my identity on the phone they unlocked the account. Someone used my user name but entered the wrong password too often. I think it was an honest mistake - someone thought my user name was theirs. Vanguard said it happens all the time.Katietsu wrote: ↑Thu Dec 21, 2017 8:02 pm 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.
- Mon Dec 18, 2017 9:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: opinions requested on student college decision / financial related
- Replies: 87
- Views: 7223
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.
- Sun Dec 17, 2017 7:13 pm
- Forum: Personal Consumer Issues
- Topic: Buying a new sofa with two young kids?
- Replies: 36
- Views: 5007
Re: Buying a new sofa with two young kids?
+1 No food in the living roomNotWhoYouThink wrote: ↑Sun Dec 17, 2017 6:11 pm 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.
However, there is dirt and kids get sick and you might have pets and other things ruin sofas. Also, they go out of style and your tastes change. So I would go with a moderate priced sofa in a fabric you can live with for a while and not sweat it.
- Tue Dec 12, 2017 11:37 am
- Forum: Personal Investments
- Topic: What to do after losing $117k in stock market?
- Replies: 199
- Views: 33864
Re: What to do after losing $117k in stock market?
+1
I agree 100%. Invest enough to get the 401k match and then eliminate the student loans. Stay away from individual stocks and Bitcoin