Search found 38 matches

by scoreboard
Wed Dec 02, 2020 4:39 pm
Forum: Personal Investments
Topic: Airbnb IPO offering for hosts - should I do it?
Replies: 32
Views: 1761

Re: Airbnb IPO offering for hosts - should I do it?

I would. It’s doubtful they allocate you more then 100 shares. There’s a lot of interest in that IPO. No telling what happens but it’s something I would be comfortable with for sure. Obviously you could lose it all... Lose it all? You think AirBnB goes to $0? That seems highly unlikely. Surely ther...
by scoreboard
Wed Dec 02, 2020 4:27 pm
Forum: Personal Investments
Topic: Airbnb IPO offering for hosts - should I do it?
Replies: 32
Views: 1761

Re: Airbnb IPO offering for hosts - should I do it?

I would. It’s doubtful they allocate you more then 100 shares. There’s a lot of interest in that IPO. No telling what happens but it’s something I would be comfortable with for sure. Obviously you could lose it all...
by scoreboard
Thu Nov 26, 2020 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve retention offer - was worth the effort
Replies: 57
Views: 7622

Re: Chase Sapphire Reserve retention offer - was worth the effort

I called and cancelled this same card on renewal. I love that card but they will pay the bonus points every 4 years. So, I will renew the start of next year and collect the bonus again.
by scoreboard
Sat Jul 18, 2020 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Give new doctor a SSN?
Replies: 86
Views: 7361

Re: Give new doctor a SSN?

For what it's worth sometimes physician offices use the SSN to help you qualify for patient assistance programs for expensive medications (cancer meds, etc...). But they could get it directly from you or you could apply for those benefits yourself.
by scoreboard
Fri Jul 03, 2020 6:52 am
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17536

Re: YoutubeTV subscription now $64.99/month

If you have the Chase Sapphire Reserve card, maybe you can prepay for a year and effectively get a 15% discount right now. Because of the 10x points on streaming services? Just making sure I am not missing something. How do you prepay on YTTV? I was trying to figure out how I can charge $1,500 on y...
by scoreboard
Thu Jul 02, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17536

Re: YoutubeTV subscription now $64.99/month

the way wrote: Thu Jul 02, 2020 1:10 pm If you have the Chase Sapphire Reserve card, maybe you can prepay for a year and effectively get a 15% discount right now.
Because of the 10x points on streaming services? Just making sure I am not missing something.
by scoreboard
Wed Jul 01, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: Landlord expectations: Rats in the yard
Replies: 80
Views: 5819

Re: Landlord expectations: Rats in the yard

Rats live in Palm Trees under the dying palm fronds. It's the dirty secret of wealthy neighborhoods like Beverly Hills where there are lots of palm trees. I had a Palm Tree with many rats living in it. I would get the dying fronds trimmed periodically and it would help (but the tree trimmer wasn't v...
by scoreboard
Wed Jul 01, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17536

Re: YoutubeTV subscription now $64.99/month

I love Youtube TV and will keep it. The choice of channels (minus NFL REDZONE) and the amazing DVR makes it worth it to me. Plus I can "travel" with my TV on a Firestick. The price has crept up quite a bit - there is no denying it. I had Directv with a comprehensive package for $68 per mon...
by scoreboard
Sat Jun 27, 2020 8:57 am
Forum: Personal Consumer Issues
Topic: Trade in iPhone 6s Plus for $350 off iPhone 11?
Replies: 14
Views: 1359

Re: Trade in iPhone 6s Plus for $350 off iPhone 11?

Valid point regarding getting locked into a long term contract. That would make the $350 not worth it to me.
by scoreboard
Sat Jun 27, 2020 7:19 am
Forum: Personal Consumer Issues
Topic: Trade in iPhone 6s Plus for $350 off iPhone 11?
Replies: 14
Views: 1359

Re: Trade in iPhone 6s Plus for $350 off iPhone 11?

I just bought a 32gb iPhone 6s online for my son. I paid $108 with tax. $350 is a great trade in price.
by scoreboard
Wed Jun 17, 2020 1:47 pm
Forum: Investing - Theory, News & General
Topic: Why does Google show a lower dividend yield?
Replies: 4
Views: 423

Re: Why does Google show a lower dividend yield?

Like others have said you need to divide TTM/STOCK PRICE.

Don't use their dividend % data on any website because it doesn't update automatically with current share price as far as I can tell - even on Fidelity.
by scoreboard
Tue Jun 16, 2020 1:27 pm
Forum: Personal Consumer Issues
Topic: Advice on Buying a Certified Pre-Owned BMW
Replies: 53
Views: 4442

Re: Advice on Buying a Certified Pre-Owned BMW

I bought a CPO BMW about 5 years ago. I looked for one with the coverage date and mileage as far out as possible. It wasn't just a simple year from purchase kind of deal. Each had a unique CPO date which it would expire and I wanted to know on each one I looked at when it was. I believe I did it all...
by scoreboard
Sat Jun 06, 2020 6:50 am
Forum: Personal Consumer Issues
Topic: Viking Cruise Cancellation
Replies: 15
Views: 1556

Re: Viking Cruise Cancellation

you may want to ask this on the cruisecritic message boards. They have a group for Viking.
by scoreboard
Thu Jun 04, 2020 4:40 pm
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 123
Views: 9855

Re: Vanguard vs. Fidelity

If your Husband is anything like me he probably likes to brag to his spouse which is why you think he is doing better at Fidelity.

Both places are equal I am sure.
by scoreboard
Sun May 24, 2020 7:31 am
Forum: Personal Finance (Not Investing)
Topic: New here, need help with creating a nest egg for my autistic son
Replies: 19
Views: 1729

Re: New here, need help with creating a nest egg for my autistic son

I was/am in a similar situation and have been down a lot of this path. I have a son like yours who just turned 18. We finished the guardianship process in February and he now gets SSI (which the big benefit is medicaid so I know he has health insurance for life). When my son was around your sons age...
by scoreboard
Thu Mar 05, 2020 9:13 am
Forum: Personal Investments
Topic: Investing in Gold
Replies: 38
Views: 4606

Re: Investing in Gold

I don't own gold but if I did I would glance at IAU (fidelity ishares) or I suppose GLD
by scoreboard
Fri Feb 21, 2020 8:35 am
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4842

Re: Master of Social Work degree

I know a MSW who has been a probation officer since she graduated from college about 25 years ago. She is a federal probation officer now and does pretty good (just under $100k a few years ago when her husband told me). She also has a sweet pension coming that I remember being a pretty high percenta...
by scoreboard
Sun Jul 14, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Buying a used car: 0-interest loan over 15 months, or buy in cash
Replies: 32
Views: 2367

Re: Buying a used car: 0-interest loan over 15 months, or buy in cash

FWIW Nissan would only let me charge 10K of a car to my personal credit card. Finance woman said that was the max this particular dealership allowed.
by scoreboard
Thu Mar 21, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: A 23% increase from ATT Wireless
Replies: 84
Views: 7357

Re: A 23% increase from ATT Wireless

I also recommend cricket wireless. Owned by ATT. Uses exact same network, etc... I switched from ATT and their rising bills almost 2 years ago with absolutely no regrets. I have 4 phones and pay $100 per month. There is no tax added. Unlimited phone, text and data. You can set it up online or go to ...
by scoreboard
Wed Mar 20, 2019 6:52 am
Forum: Personal Finance (Not Investing)
Topic: College for average kids
Replies: 126
Views: 15170

Re: College for average kids

I personally think it's OK to have any college degree with a sub 3.0 GPA. I wouldn't discourage college for a kid because they may just scrape by with a 2.0. Any degree opens up many more doors. I graduated with a 2.5 at 24 and 24 years later make over 200K at a fortune 50 company in a sales role. M...
by scoreboard
Mon Mar 11, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Renting in Boston - how difficult with a pit bull?
Replies: 48
Views: 3775

Re: Renting in Boston - how difficult with a pit bull?

MOST homeowners insurance policies just don't allow certain breeds. The odds are high that the property you are currently occupying doesn't allow a pitbull (even if you and the landlord said it is ok). Or the pitbull is excluded is really the right term as well as many other large breeds. So, if the...
by scoreboard
Fri Mar 08, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: Sports team season tickets
Replies: 45
Views: 4910

Re: Sports team season tickets

I've done it. Wouldn't recommend it. Even if you make a tiny amount of money it won't be worth it when you split it between you and your buddies.

Ebay or stub hub will make more on most transactions than you will.
by scoreboard
Tue Mar 05, 2019 6:26 pm
Forum: Personal Investments
Topic: Need to park about 1,000,000 for 7-8 months
Replies: 77
Views: 9506

Re: Need to park about 1,000,000 for 7-8 months

Short Tesla and end up with $2 million? :D
by scoreboard
Wed Feb 27, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Software That Searches Inside PDF Files
Replies: 21
Views: 982

Re: Software That Searches Inside PDF Files

I do this all the time on my mac computer. Doesn't require any special software at all. Just open the PDF and the "Search" is across the top. Super easy. I believe a PC would require special software, but I don't know what that is.
by scoreboard
Wed Jul 11, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Thought on replacing roof before sale?
Replies: 36
Views: 3719

Re: Thought on replacing roof before sale?

Like someone else mentioned from real world experience - your buyer may not be able to insure a 20 year old roof (so they won't be able to get a mortgage and close).

My wife is a realtor and this is a issue in Texas. Maybe not in Boston...
by scoreboard
Sat Jul 07, 2018 2:50 pm
Forum: Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3918

Re: Trying to hit grand slam with small % portfolio?

XBI focuses on smaller biotechs than IBB would. Top 10 holdings are probably unknown to 99% of people outside of the industry, but all pretty mature to me and more derisked (Phase 3 successful trial, one approved drug, etc...) than the companies I buy. I don't own XBI or IBB personally.
by scoreboard
Sat Jul 07, 2018 2:28 pm
Forum: Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3918

Re: Trying to hit grand slam with small % portfolio?

I also work in the field and regularly "invest" in baby biotechs. I love it and have had some real strong ones (doubling and tripling my money) and some where I have lost 50% overnight. It's the nature of that sector and I don't believe there is another more volatile sector for individual ...
by scoreboard
Tue Jul 03, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 4491

Re: Neighbor's drainage issue causing problems

In Texas this would be your problem and you would need to install a french drain to pull the water away from your residential property. Not the commercial property owners issue if water is running onto your property/into your basement (at least where I live). Of course the easiest resolution is prob...
by scoreboard
Fri Jun 08, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 91
Views: 7535

Re: How much to budget for a week long vacation for 2?

Not retired but I have a retirement budget in place, etc... Currently I spend around 3k weekly for most trips. I budget 10K per year and any overage I get from points. In retirement I believe I would be able to take longer trips for he same costs due to flexibility and off-season. Like others have s...
by scoreboard
Tue May 22, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 54
Views: 6627

Re: Buying a Vacation Rental Property as an Investment

I owned a beach property in Galveston Texas for 9 years. I grew up in the general area and I actually like Galveston quite a bit (I understand many other beaches across the world and US blow Galveston away, but I appreciate what Galveston offers). My place only cost 300K and rented for about $300-$3...
by scoreboard
Tue May 08, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Family Vacation in Late Feb
Replies: 30
Views: 2180

Re: Family Vacation in Late Feb

I personally like to go to google flights and enter the dates I'm traveling. Pick Logan to Aruba and look at the map around that area. You can click on all the islands in the area and see what the various airfare is to all of those interesting caribbean destinations. I've picked plenty of destinatio...
by scoreboard
Tue Apr 10, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 4890

Re: How do you estimate your home's market value?

Zillow, redfin, etc... are all jokes regarding home value.

You need to hire a professional appraiser.
by scoreboard
Wed Apr 04, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Travel (Or any other specific) fund - How do you budget and save it?
Replies: 18
Views: 1506

Re: Travel (Or any other specific) fund - How do you budget and save it?

I spend whatever I want and make sure where I am going has a casino. I win back everything I spent at the tables. U R Welcome.
by scoreboard
Wed Apr 04, 2018 4:12 pm
Forum: Non-US Investing
Topic: How to invest 850,000€ [Germany]
Replies: 14
Views: 1794

Re: How to invest 850,000€ [Germany]

Open a pretzel shop? I hear people in Germany eat those things all day.
by scoreboard
Thu Mar 29, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 13646

Re: How Do You Value Your Home for Net Worth Purposes?

Zillow is ridiculously inaccurate. I see it off by 10-20% all the time on recently sold properties.

I personally don't count my house towards my net worth. I suppose I would if my retirement plan including selling my house and renting.
by scoreboard
Fri Jan 26, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Trip cancellation insurance
Replies: 47
Views: 3682

Re: Trip cancellation insurance

I bought trip insurance for the first time last year. I was taking a Alaskan cruise with my wife and son and we had never cruised before. I had a friend who had taken a cruise prior and ended up with a painful foot infection. The cost to just see a cruise ship doctor ran him over $150. He also had t...
by scoreboard
Tue Dec 12, 2017 8:20 am
Forum: Personal Investments
Topic: Where do I put 50k I don't need?
Replies: 25
Views: 3574

Re: Where do I put 50k I don't need?

If you want fidelity you could do a blend of ITOT and AGG in the fidelity ETF family.