Search found 322 matches

by wootwoot
Mon Jun 24, 2019 10:21 pm
Forum: Personal Investments
Topic: Vanguard reduced dividends on VTSAX
Replies: 7
Views: 1259

Re: Vanguard reduced dividends on VTSAX

Time to dump VTSAX, what's everyone buying as an alternative?
by wootwoot
Mon Jun 24, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 154
Views: 11245

Re: what was your worst major purchase? mine is a 2019 mazda3

Buying a home in early 2007. Short sold it in 2009 for 1/3 of the price I paid.
by wootwoot
Mon Jun 24, 2019 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 3524

Re: Triage in ER - charged $790

Sorry for your trouble OP but that's actually a great price. Many high deductible plans would charge you far more than that for an ER visit.
by wootwoot
Tue Jun 18, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Mazda extended warranty
Replies: 18
Views: 981

Re: Mazda extended warranty

I am considering getting an extended warranty for a 2019 Mazda CX-5 that I plan to purchase soon. I know that modern cars are more reliable in general, but there are also more bells and whistles that can go wrong. My previous warranties have paid for themselves. Visit the Mazda CX-5 forum and you w...
by wootwoot
Sun Jun 16, 2019 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 11293

Re: With hindsight, what signs indicated you were about to lose your job?

Small tech company (~30 people) was purchased by a larger tech company, mostly for our IP. Executives were given healthy payouts and RSU grants that vested over 3 years. Positions were created for all the non-executives. Within a year all non-execs were let go.
by wootwoot
Sat Jun 15, 2019 7:29 am
Forum: Investing - Theory, News & General
Topic: The Case Against ETFs
Replies: 193
Views: 8660

Re: The Case Against ETFs

OP you didn't make a very good case for or against ETFs.
by wootwoot
Sun Jun 09, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 17543

Re: Are You Dumping Netflix?

Dumping Netflix and going with Disney when they open up their paid service. Disney's content is rich and my kids will really like it. Netflix originals have gotten too political and boutique for my tastes.
by wootwoot
Tue Jun 04, 2019 10:03 pm
Forum: Personal Consumer Issues
Topic: Any Mint Mobile customers here?
Replies: 37
Views: 2049

Re: Any Mint Mobile customers here?

Are your issues coverage related? Sprint and T-Mobile (Google FI, Mint, Ting, all of the lowest of the low cost MVNO) will not have a good of coverage outside of major metro areas. This is incorrect. OP I've had T-Mobile knockoffs for years including mint mobile for the last year and a half. Mint w...
by wootwoot
Sun Jun 02, 2019 11:59 am
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7374

Re: Do you regret taking a pay cut for quality of life?

No regrets but now that I've been in the lower paying/lower stress role for a couple of years I plan on being very selective in my next job search. You do miss being able to invest as much and being so cash flush. I'll be much more picky in my next role to get salary back up while minimizing the enc...
by wootwoot
Fri May 31, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best Bank/Lender for 15 year fixed mortgage?
Replies: 15
Views: 1471

Re: Best Bank/Lender for 15 year fixed mortgage?

https://www.navyfederal.org/loans-cards/mortgage/ , 3% for 15 year it appears A little bit deceptive because it is actually 3.00% with 0.5% of points. https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates/fixed-rate-mortgages.php Looks like a great rate! It has me considering a refi.
by wootwoot
Tue May 28, 2019 7:38 am
Forum: Personal Investments
Topic: Estimating "largest loss since 1926" and "# years with loss"
Replies: 24
Views: 2427

Re: Estimating "largest loss since 1926" and "# years with loss"

Get rid of your cash allocation. Cash is by far the loss leader if you're looking at a chart from 1926 until now.
by wootwoot
Mon May 27, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Maximizing home interest deductions
Replies: 10
Views: 500

Re: Maximizing home interest deductions

I'm wondering if between the higher interest rates, the fees associated with this, and the hassle - is this worth doing? No Speak for yourself. I can deduct $13k/yr in additional mortgage interest with this maneuver, saving me $5k/yr. You took on a higher interest rate loan to gain more deductions ...
by wootwoot
Mon May 27, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Maximizing home interest deductions
Replies: 10
Views: 500

Re: Maximizing home interest deductions

Agent007 wrote:
Mon May 27, 2019 9:06 am
I'm wondering if between the higher interest rates, the fees associated with this, and the hassle - is this worth doing?
No
by wootwoot
Sat May 25, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have success getting their company to amend its 401k plan?
Replies: 8
Views: 569

Re: Anyone have success getting their company to amend its 401k plan?

No luck here at 2 different companies. If you're in tight with the benefits manager you may have a shot but the companies that I've tried to rally didn't see it as a high priority item.
by wootwoot
Sat May 18, 2019 4:27 pm
Forum: Investing - Theory, News & General
Topic: Why Are U.S. Asset Prices So High Today?
Replies: 34
Views: 3062

Re: Why Are U.S. Asset Prices So High Today?

The fed lowering interest rates for the last ~10 years (impacting bonds) while putting money into the market through QE has had a massive impact on asset valuation.
by wootwoot
Sat May 18, 2019 3:33 pm
Forum: Investing - Theory, News & General
Topic: how do Tariffs impact your portfolio?
Replies: 25
Views: 1337

Re: how do Tariffs impact your portfolio?

tampaite wrote:
Fri May 17, 2019 11:11 am

How will this impact portfolio?
Zero point zero. Stay the course.
by wootwoot
Sat May 18, 2019 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Churning Credit Cards
Replies: 57
Views: 4518

Re: Churning Credit Cards

This is getting me interested. I do online surveys, make ~$300/yr for about 5min/week of my time that I'd otherwise be doing nothing with. We make good livings, this is just fun money. Looks like it shouldn't be that difficult to make several times that with just a few cards a year. I'm checking ou...
by wootwoot
Sat Apr 27, 2019 12:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers 21 ETF Expense Ratios
Replies: 76
Views: 7675

Re: Vanguard Lowers 21 ETF Expense Ratios

This appears to be a nudge (shove?) for people to go into ETFs instead of mutual funds. How else to explain offering ETF/MF equivalents at different prices? (VTI and VXUS the most glaring examples.) Do a good search for in-kind transfers and you'll find that ETFs are more tax efficient. Vanguard is...
by wootwoot
Fri Apr 26, 2019 12:13 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 324
Views: 39620

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

Prahasaurus wrote:
Thu Apr 25, 2019 4:33 pm
I don't really get the vitriol here against BTC.
People get mad about things they don't understand.
by wootwoot
Tue Apr 23, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: Urban Myth on Electronic Car Break-ins?
Replies: 17
Views: 1195

Re: Urban Myth on Electronic Car Break-ins?

I see the same reports on the nextdoor app. Many people just don't lock their car doors. You are right, this is an urban myth.
by wootwoot
Sun Apr 21, 2019 12:40 pm
Forum: Investing - Theory, News & General
Topic: When to prioritize funding 529?
Replies: 31
Views: 2387

Re: When to prioritize funding 529?

Do you get a break on taxes by contributing to the 529? Maxing that out would be a good place to start.
by wootwoot
Sat Apr 20, 2019 8:03 pm
Forum: Personal Investments
Topic: Where to park the next dollar, beyond 401k?
Replies: 12
Views: 1564

Re: Where to park the next dollar, beyond 401k?

OP did you run the calculation with a lower annual return? 9% year after year paints a very rosy and unrealistic picture.
by wootwoot
Thu Apr 18, 2019 9:37 pm
Forum: Investing - Theory, News & General
Topic: M1 Finance
Replies: 42
Views: 3878

Re: M1 Finance

If M1 had free TLH I would consider it. Their current offerings don't interest me.
by wootwoot
Thu Apr 18, 2019 9:35 pm
Forum: Personal Investments
Topic: Leave a job with a pension?
Replies: 39
Views: 4367

Re: Leave a job with a pension?

With a pension like that I'd stay, that's a good payoff.
by wootwoot
Sun Apr 14, 2019 2:34 am
Forum: Personal Consumer Issues
Topic: Free Southwest Companion Pass for 2019
Replies: 63
Views: 5764

Re: Free Southwest Companion Pass for 2019

sunny_socal wrote:
Sat Apr 13, 2019 9:27 am
wootwoot wrote:
Sat Apr 13, 2019 8:40 am
OP this isn't much of a deal.
Yes, but getting the pass for 2019 _and_ 2020 is a good deal.
Agreed :D
by wootwoot
Sat Apr 13, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Free Southwest Companion Pass for 2019
Replies: 63
Views: 5764

Re: Free Southwest Companion Pass for 2019

OP this isn't much of a deal.
by wootwoot
Thu Apr 11, 2019 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17870

Re: Bogleheads, why won't anyone hire me?

OP maybe you should buy more houses in your area and rent them out, become a landlord. You seem much more passionate about landlording than working a strict 9-5.
by wootwoot
Thu Apr 11, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17870

Re: Bogleheads, why won't anyone hire me?

TaxingAccount wrote:
Thu Apr 11, 2019 8:48 am
The fact that this topic already has 8,000 views just shows that many others are in the same boat and the bitter taste of the realities of the world in which we live.
You couldn't be any more incorrect with this assumption.
by wootwoot
Wed Apr 10, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17870

Re: Bogleheads, why wont anyone hire me?

The program still runs today. I met lots of parents through it, all who tried to help me out, but my area is tough. I live in a coastal area of NC, and to be fair we aren’t notorious for having tons of jobs. Many people relocate, or work at restaurants forever.. You summed up your problem right her...
by wootwoot
Tue Apr 09, 2019 12:43 am
Forum: Personal Finance (Not Investing)
Topic: $20k day care...how is it taxed?
Replies: 85
Views: 5403

Re: $20k day care...how is it taxed?

I've always been curious where this 5k limit came from since no day care costs $5k.. Was it it some law made 20+ years ago when day cares did cost around 5k?? It costs a lot years ago too, we were paying $1,300 per month, almost $15,600. Time frame was early 1990s. We pay $1600 a month for 2 kids i...
by wootwoot
Sun Apr 07, 2019 12:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans to Launch Commodities Fund
Replies: 154
Views: 14591

Re: Vanguard Announces Plans to Launch Commodities Fund

Are commodities a good investment for the long haul in a world that is seeking to reduce carbon footprints, use less petroleum, do more recycling, and generally move to a more sustainable economy? Yes. Emerging markets have little to no interest in reducing their carbon footprint, using less petrol...
by wootwoot
Thu Apr 04, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 19303

Re: Talk me in/out of $35k Tesla Model 3

Afty wrote:
Wed Apr 03, 2019 11:13 am
I've had my Model 3 for 2 weeks now. I've driven 460 miles and spent $3.62 on "fuel," thanks to free charging at work. That would have been $90 worth of expensive California gas in my old car. :D
Does your work provide free gasoline for employees too?
by wootwoot
Tue Apr 02, 2019 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Just Bought an Annuity
Replies: 149
Views: 11843

Re: Just Bought an Annuity

I can see skipping the COLA but not the cash refund or period certain. These seem like a reasonable way to assure the insurance company does not get an outsized return while still providing lifetime income. Why do you care if the insurance company gets lucky? Would it bother you if your neighbor wo...
by wootwoot
Mon Apr 01, 2019 10:31 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14450

Re: New 2019 RAV4 is now out - looks good

That sounds great, I'll put the CX-5 on my list. Toyota isn't bringing much to the table beyond reliability at this point. The RAV-4 is also horribly underpowered, you'll get run over trying to merge on the freeway. Dude, it's not. I tossed it around a bit on my test drive, and it merged fine on th...
by wootwoot
Mon Apr 01, 2019 9:42 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 14450

Re: New 2019 RAV4 is now out - looks good

Noise vibration and harshness. The reviews also say that pretty much everything about the Rav-4 is worse than the competition so it’s clearly your typical mediocre Toyota appliance. Best reliability in its class. So there is that. Also best MPG. Big deal the reliability difference between that and ...
by wootwoot
Sun Mar 31, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 205
Views: 12118

Re: Vanguard - Will they ever upgrade their site?

After another day of trying to use Vanguards website, this time regarding "settlement funds" I think I've reached my limit and will move my account. Using Vanguards website is an exercise in frustration. It's just plain awful. Hard to find what you are looking for, things are not laid out in a clea...
by wootwoot
Sun Mar 31, 2019 2:42 pm
Forum: Personal Investments
Topic: Day trade ETF
Replies: 9
Views: 600

Re: Day trade ETF

If you move into futures trading you won't have to worry about day trading rules.
by wootwoot
Sat Mar 30, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 8883

Re: Tattoos and Bogleheads

No tattoos here they are a poor investment. I'd rather invest the money.
by wootwoot
Fri Mar 29, 2019 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Passed Over For Promotion for Being too Good at My Job
Replies: 55
Views: 5617

Re: Passed Over For Promotion for Being too Good at My Job

This sounds like office politics. Are you a known commodity to the higher ups? They usually want to promote people they personally like or work well with. Not saying that it's fair but in business you need to do a great job and play good politics.
by wootwoot
Fri Mar 29, 2019 8:52 pm
Forum: Non-US Investing
Topic: Can Low income ppl become millionaire? [Hong Kong]
Replies: 38
Views: 2740

Re: Can Low income ppl become millionaire? [Hong Kong]

OP, yes low income people can become millionaires too, it's very dependent of savings rate and takes many years (decades). That being said many in this forum have exceptional income so you won't find many 30k millionaires here. Keep saving and try to minimize taxes where you can, it will all pay off...
by wootwoot
Fri Mar 29, 2019 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 7181

Re: Anybody else get a huge tax increase due to SALT deduction changes?

bhsince87 wrote:
Thu Mar 28, 2019 11:05 pm
Not here, in PA. Paid about $5,000 less.
Same here in AZ.
by wootwoot
Tue Mar 26, 2019 10:41 pm
Forum: Personal Investments
Topic: Has anyone switched 529 plans more than twice?
Replies: 1
Views: 181

Re: Has anyone switched 529 plans more than twice?

What difference does it make how many 529 plans you've belonged to?