Search found 1051 matches

by jminv
Sun May 17, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3971

Re: Dual citizen, USA passport expiring, how to travel internationally

Looking for any advice & solutions. Family member: Born in USA (American citizen by birth) Has USA passport, expiring July 2020 Turned 18 two months ago, thus… Received last passport when under 18 years old (can’t renew by mail) Wants to travel to South America in August Is also a citizen of said S...
by jminv
Sun May 10, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: United Airlines miles and bankruptcy
Replies: 46
Views: 4056

Re: United Airlines miles and bankruptcy

They would likely devalue further way before they zeroed out miles since they need their frequent flyers are valuable and they wouldn't want them to defect to a competitor. Devaluing them is also easy, there's no protection against it.
by jminv
Sun May 10, 2020 5:54 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 118
Views: 7326

Re: Mesh Wifi

I recently bought the MeshForce M3S system but wouldn't recommend it. Although it works it's not great. Requires too many units to get a good mesh network (I ended up buying more). So if you see that on amazon, I'd avoid it. If you are going to buy it anyway, it's cheaper directly from MeshForce as ...
by jminv
Sat May 09, 2020 11:01 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2955
Views: 526438

Re: What are you up YTD? [Year To Date]

I'm up 30.86% in half of my portfolio which is a little similar to what's been going on in the hedgefundie thread. That's half my portfolio and is volatile, at one point I was down 41%. The other half is up 24.88% and was TLT for most of the period although I started changing my allocation by sellin...
by jminv
Thu May 07, 2020 12:58 am
Forum: Investing - Theory, News & General
Topic: When to sell low? Buffett sells entire airline stake
Replies: 63
Views: 9521

Re: When to sell low? Buffett sells entire airline stake

I think Warren is loosing his touch. He swore he would never buy airlines way back when because he thought airlines were a terrible business. Then in 2016ish he buys 10% of four airlines at high prices when things were going good. So totally against his precept of getting good businesses at a good ...
by jminv
Tue Apr 28, 2020 12:56 pm
Forum: Personal Investments
Topic: how to go around ATM daily limit to withdraw cash for emergency
Replies: 25
Views: 2607

Re: how to go around ATM daily limit to withdraw cash for emergency

You need to have an account at bank's local physical branch. You would then send a domestic wire transfer from your brokerage and withdraw cash from the teller at your local bank same day. Schwab makes sending domestic wires very easy (and free under certain conditions). That's what I do when I need...
by jminv
Sun Apr 26, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: Toyota vs. Kia Quality & Longevity
Replies: 82
Views: 5660

Re: Toyota vs. Kia Quality & Longevity

Have you ever seen a KIA being driven in the desert or forest by terror groups?? Seriously all they drive are Toyotas. I have owned a few Toyotas, very reliable. A Tacoma had 180K on it and I sold it in 2 days when I was ready to upgrade. Toyotas are driven by them because of the Toyota spare part ...
by jminv
Sun Apr 26, 2020 6:06 pm
Forum: Personal Consumer Issues
Topic: Italian traffic fine with U.S. debt collector-revisited?
Replies: 26
Views: 2647

Re: Italian traffic fine with U.S. debt collector-revisited?

Today I was contacted by a Ceders Business Services, a debt collection agency in CA, regarding a traffic violation from April of 2018, from Siena, Italy. I was not aware I had entered or parked in a restricted area at the time and no violation was on my vehicle; the ticket was issued from a video c...
by jminv
Sun Apr 26, 2020 1:10 am
Forum: Personal Consumer Issues
Topic: [Anyone found] amazing shopping deals now?
Replies: 30
Views: 3913

Re: Amazing shopping deals now

Some clothing is on sale but often the 'list' deals aren't where the value is you need something like Honey or Wikibuy installed so you can automatically try all the coupon codes. There's some great coupon codes since discounting is in early days and they are trying to price discriminate rather than...
by jminv
Sun Apr 26, 2020 12:53 am
Forum: Personal Consumer Issues
Topic: Italian traffic fine with U.S. debt collector-revisited?
Replies: 26
Views: 2647

Re: Italian traffic fine with U.S. debt collector-revisited?

Today I was contacted by a Ceders Business Services, a debt collection agency in CA, regarding a traffic violation from April of 2018, from Siena, Italy. I was not aware I had entered or parked in a restricted area at the time and no violation was on my vehicle; the ticket was issued from a video c...
by jminv
Fri Apr 24, 2020 2:11 am
Forum: Personal Finance (Not Investing)
Topic: physician/APC pay cuts
Replies: 133
Views: 9955

Re: physician/APC pay cuts

It’s ‘voluntary’ in the sense that if you don’t willingly agree to their new proposed salary you run the very real risk of being terminated instead. If that’s ok with you, then refuse the cut. Read the medscape article a few posts before mine. Your group is trying to get people to voluntarily agree ...
by jminv
Sun Apr 19, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance in the age of Corona
Replies: 18
Views: 1534

Re: Life Insurance in the age of Corona

Spouse is a medical professional. I applied for a new policy and was approved without a home exam, applied to get a better rate than what I had before. About a week later (yesterday) spouse applied using same company for the same policy value and a home exam is required for her to be approved. Spous...
by jminv
Sun Apr 19, 2020 10:19 am
Forum: Investing - Theory, News & General
Topic: Neiman Marcus to file for bankruptcy
Replies: 67
Views: 6846

Re: Neiman Marcus to file for bankruptcy

There are going to be a lot of retail bankruptcies and some great liquidation sales. Although this accelerated a long-term trend in retail, it's not great because there are going to be a lot of people out of work for an extended period of time, there's not going to be an instant recovery. Lot of bus...
by jminv
Sun Apr 19, 2020 10:17 am
Forum: Personal Investments
Topic: North American Oil - Should I buy?
Replies: 31
Views: 1936

Re: North American Oil - Should I buy?

I've been doing some research into the market over the past month. Obviously NA Oil companies have taken a huge hit, as well as many other industries. There's a lot of chaos in the energy sector at the moment. Would it be a worthwhile long term (10+ years) investment to buy these stocks while there...
by jminv
Sat Apr 18, 2020 11:51 pm
Forum: Personal Consumer Issues
Topic: Issues with face masks?
Replies: 92
Views: 5943

Re: Issues with face masks?

You might also have been light headed because of the stressfulness of the situation. First time in awhile and having to use a mask where everyone else is too. It’s a bit disconcerting. Happened to me when I went into a store with a N95 mask the first time. I wear KF94 masks now. They’re more comfort...
by jminv
Fri Apr 03, 2020 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Help for Landlords in the Stimulus Bills?
Replies: 198
Views: 13401

Re: Help for Landlords in the Stimulus Bills?

If landlords simultaneously evicted millions of tenants, how long do you think it's going to take you to find a new tenant? Many months? All of these eviction landlords will be competing for the same small pool of available tenants with jobs in the middle of a severe recession. If you evict your te...
by jminv
Fri Apr 03, 2020 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house now or wait?
Replies: 42
Views: 3085

Re: Buy a house now or wait?

After being widowed last year, I decided to retire from my psychotherapy practice and move 150 miles south to where my son and his family live. I’m 62. I listed my house, it sold, closed, and I should be moving 4/13, first to my son’s trailer and then possibly to an airBNB while I house hunt. When ...
by jminv
Thu Mar 26, 2020 4:08 pm
Forum: Personal Investments
Topic: Effect of COVID19 on Real Estate
Replies: 42
Views: 6063

Re: Effect of COVID19 on Real Estate

What do you guys think? If this does not prolong, I think it won't have major impact on RE (as people need a place to stay) but if COVID19 does prolong and people starting to run short of emergency fund to pay mortgage/rent/etc, this can lead to RE price coming down. Any thoughts? My opinion 1) Sto...
by jminv
Thu Mar 26, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: What is with the printer paper delivery times on Amazon?
Replies: 39
Views: 2315

Re: What is with the printer paper delivery times on Amazon?

There are some interesting things that they are not prioritizing/allowing to be restocked in their warehouses. Paper seems like something they should be, though, with all the kids at home and parents wanting to print off activity sheets, tests, etc. It seems like it's not very thought through yet. I...
by jminv
Sat Mar 21, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Why are private student loan rates still high
Replies: 11
Views: 659

Re: Why are private student loan rates still high

I was looking to refinance my student loan with online lenders like Sofi. Interest rates have not dropped despite Fed fund rate dropping to 0. What's going on? The risk on these private unsecured loans has gone way up, not down. So while on the one hand the Fed decreased the fed fund rate, that's c...
by jminv
Fri Mar 20, 2020 11:37 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296661

Re: Coronavirus and the market

COVID-19 is of course the elephant in the room in terms of what the market is doing, but my impression is that the market downturn was made significantly worse by the oil war going on between Russia and Saudi Arabia. Noticed that during the few years leading up to this, the market seemed to react n...
by jminv
Wed Feb 26, 2020 6:22 am
Forum: Personal Consumer Issues
Topic: Avis charging for existing damage on rental car
Replies: 111
Views: 7628

Re: Avis charging for existing damage on rental car

It's a good idea to take pictures and video of their rental car before driving off. You don't necessarily have to go back to the rental car person to note damages and in any case they're usually dismissive of small things. Pictures have gotten me out of a damage claim a few times now. The OP was rus...
by jminv
Sun Feb 23, 2020 8:05 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: Intuit Near Deal to Buy Credit Karma for $7 Billion
Replies: 7
Views: 1405

Re: WSJ: Intuit Near Deal to Buy Credit Karma for $7 Billion

https://www.wsj.com/articles/intuit-near-deal-to-buy-credit-karma-for-7-billion-11582433880 Intuit's probably thinking 'hey, if we've been charging people $35 a year plus $20 a year for state e-filing, and a competitor company is offering tax filing completely free - why don't we just buyout the co...
by jminv
Thu Feb 20, 2020 6:21 am
Forum: Non-US Investing
Topic: online Euro bank accounts
Replies: 13
Views: 929

Re: online Euro bank accounts

For those talking about N26 deposit insurance, theirs is the German scheme which is 100k euros. Not sure why you'd keep more than 100k in a N26 current account so OP should be fine. As far as the OP's security concerns, I'd be more worried about a local Italian bank's online banking vulnerabilities ...
by jminv
Wed Feb 19, 2020 7:04 pm
Forum: Personal Investments
Topic: Fidelity Privacy Concerns
Replies: 19
Views: 2459

Re: Fidelity Privacy Concerns

Hey all I recently rolled my 401K money over to Fidelity. It took me about 2 weeks to decide what Fidelity funds to put the cheese into but in that time I got a voicemail from someone at Fidelity saying they noticed I had a large amount of cash and if I needed any help. I never responded but it had...
by jminv
Wed Feb 19, 2020 6:44 am
Forum: Personal Consumer Issues
Topic: Potential sue - Loss of money
Replies: 128
Views: 12373

Re: Potential sue - Loss of money

Addition is back of the house, attached, no one can see. I use it daily b/c after my surgery, I have pain issues that's is why I built it. My response to him was, we will use it for our personal use and maybe when in-laws visits, but no renting it out (if what he was looking for) If you are not par...
by jminv
Wed Feb 19, 2020 4:05 am
Forum: Personal Consumer Issues
Topic: Progressive Auto Insurance
Replies: 19
Views: 1638

Re: Progressive Auto Insurance

I’ve used them for more than a decade now. At least for me, they’re the cheapest option and I have the loyalty benefits. I also like that my premium isn’t jacked up every year unlike my experiences with other insurers. I still compare rates annually. I had a car damaged in a storm when I was working...
by jminv
Mon Feb 17, 2020 12:35 pm
Forum: Personal Investments
Topic: Father-in-law "trapped" in a "teaser" interest rate deal from Merrill Lynch
Replies: 34
Views: 3383

Re: Father-in-law "trapped" in a "teaser" interest rate deal from Merrill Lynch

My father-in-law asked me to sit down with him over this long weekend to go over some of his financials. He knows my wife and I have been long standing happy Bogleheaders, and wanted some insight. I've always shied away from helping him with his affairs, but since he asked, I'll help. Here's his si...
by jminv
Sun Feb 16, 2020 9:19 am
Forum: Investing - Theory, News & General
Topic: NRIA.NET - Real Estate Private Placement - 16% return
Replies: 29
Views: 13640

Re: NRIA.NET - Real Estate Private Placement - 16% return

I remember this thread from 2018 and it's something I would avoid. There's two business insider articles on these folks if you want to read more about exactly what's going on here. You can find them by searching for NRIA in biggerpockets. Two big issues with NRIA: First: They've advertised 'guarante...
by jminv
Sun Feb 16, 2020 8:04 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel -10K- Is it expensive?
Replies: 44
Views: 5354

Re: Bathroom remodel -10K- Is it expensive?

You need proper waterproofing around the shower. In this case, it sounds like your contractor didn’t do that at the base of your shower since that’s what he worked on. Tile is not waterproof by itself. You need a rubber pan or one of the other base options out there plus something like red guard. Wh...
by jminv
Fri Feb 14, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Hotel Room Search: 1-Bedroom / Door Separating Living Area
Replies: 9
Views: 868

Re: Hotel Room Search: 1-Bedroom / Door Separating Living Area

You could use Suiteness which makes it easier to search hotels with suites. Suiteness is clear when you're scrolling down the results page whether the suite is a studio or a 1 (or more) bedroom suite. You don't have to click through only to find out it's a studio suite.
by jminv
Fri Feb 14, 2020 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Hand raising with impending layoffs
Replies: 21
Views: 3782

Re: Hand raising with impending layoffs

In the past when planned layoffs were announced at my Mega Corp, there has been the option of hand raising. For anyone that may not be familiar it means you are basically volunteering to be at the front of the line for headcount reductions, but it is no guarantee, especially if one's role isn't in ...
by jminv
Fri Feb 14, 2020 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Amica Homeowners Insurance Increase
Replies: 20
Views: 1987

Re: Amica Homeowners Insurance Increase

Get a quote from Hippo for homeowners. Cut my mother's premium in half. Not Colorado but in an area with frequent hail damage. Check others as well, of course.
by jminv
Wed Feb 12, 2020 5:33 am
Forum: Personal Consumer Issues
Topic: Suggestions to save money on a house move cross country
Replies: 22
Views: 1152

Re: Suggestions to save money on a house move cross country

My family and I are looking to move from the west coast to the midwest. Any suggestions on ways to save some money? Thanks! Use ABF Upack. It's much less expensive than using a 'normal' moving company (or PODS) and you're able to arrange labor through them on both ends to load and unload the traile...
by jminv
Tue Feb 11, 2020 8:18 am
Forum: Personal Investments
Topic: $2M Real Estate Sale - how to handle
Replies: 33
Views: 3878

Re: $2M Real Estate Sale - how to handle

Just make sure that the primary reason for choosing to invest in the DST is what the DST is invested in, not the tax angle. There are issues with DSTs and that's already been addressed in this thread. I'll add that to avoid part of the front end load, which is really large in DSTs, you should look a...
by jminv
Sun Feb 09, 2020 10:24 am
Forum: Personal Investments
Topic: Make The Case: Fidelity v. Schwab
Replies: 66
Views: 4956

Re: Make The Case: Fidelity v. Schwab

I know there are some older threads out there on this and I'm looking for current perspectives on whether to go with Fidelity versus Schwab for: * IRAs * Taxable investing * Cash * Possible cash management (banking alternatives) * Other (HSA, etc.) I'm interested in your perspective on: * Customer ...
by jminv
Sun Feb 09, 2020 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Temporary move abroad: rent or sell home?
Replies: 33
Views: 1567

Re: Temporary move abroad: rent or sell home?

Thanks for all the replies! Will the rent be enough to cover your mortgage, property taxes, interest, maintenance, 1 month of vacancy per year, and the property manager? Based on comps in the area, I think we could rent for ~$4500/month To be on the safe side, I'll assume 2 months vacancy/year, so ...
by jminv
Sun Feb 09, 2020 10:02 am
Forum: Personal Consumer Issues
Topic: Would you drive without a spare tire?
Replies: 193
Views: 11200

Re: Would you drive without a spare tire?

I recently purchased a Prius Prime and am currently waiting for delivery. I have come to realize, much to my surprise, that it comes without a spare and, in fact, has no room for one. I probably would not have purchased the car had I known this. But now that I’m committed, I started thinking more c...
by jminv
Sat Feb 08, 2020 8:09 am
Forum: Personal Consumer Issues
Topic: Travel to Africa - Yellow fever vaccine
Replies: 10
Views: 1146

Re: Travel to Africa - Yellow fever vaccine

Bogleheads: My wife and I are planning an African Safari vacation. A complicating factor is that I have a weaken autoimmune system and have been advised not to get the Yellow fever vaccine. We were planning on visiting South Africa, Botswana, Tanzania and Kenya. However, we have gotten conflicting ...
by jminv
Wed Feb 05, 2020 6:38 am
Forum: Personal Finance (Not Investing)
Topic: US Citizen Moving to Europe for High-Income Job
Replies: 10
Views: 1635

Re: US Citizen Moving to Europe for High-Income Job

If you live in a state with income tax, ask the big 4 person specifically about whether your state will still consider you a resident for income tax purposes. There are a few us states that will and where you basically have to move to another state first to get out of income tax obligations. I ran i...
by jminv
Fri Jan 31, 2020 5:38 am
Forum: Personal Investments
Topic: Sell company stock (taxes) or wait until early retirement (no or low taxes)
Replies: 23
Views: 1799

Re: Sell company stock (taxes) or wait until early retirement (no or low taxes)

The gains are about 2/3 of the holdings (so about 17% of my total assets), and between federal (20%), NIIT, and state taxes, I'd lose probably 30% or more of the gains to taxes (rough math 5-6% of my assets) if I were to liquidate them. Which would take me 2+ years to make up with new savings (forc...
by jminv
Thu Jan 30, 2020 8:55 am
Forum: Personal Consumer Issues
Topic: Should we keep our new car extended warranty?
Replies: 40
Views: 1988

Re: Should we keep our new car extended warranty?

Just bought a new 2019 Honda CR-V EX. Purchased the extended warranty and have 60 days to cancel. Now reading fine print and figuring out whether to keep it. As a general rule, we are averse to extended warranties.... always decline them....with one exception. We got one when we bought our new 2002...
by jminv
Tue Jan 28, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested [UPDATED]
Replies: 125
Views: 16156

Re: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested

Inhibited could be either an internal AA hold issued by one of their departments, such as corporate security or an agent working on your PNR, or it could be a TSA issue. It seems that it's actually that you are coming up as inhibited flyer by DHS/TSA Secure Flight for some reason. Inhibited passenge...
by jminv
Sat Jan 25, 2020 7:13 am
Forum: Investing - Theory, News & General
Topic: Portfolio Visualizer Going Subscription
Replies: 125
Views: 9301

Re: Portfolio Visualizer Going Subscription

From the tenor of the email, I'll bet that 'backtest portfolio' tools will remain free but that the other tools will require a subscription. I agree: We will provide some of the extended functionality currently available to registered users under the new subscription plans, while continuing to offe...
by jminv
Wed Jan 22, 2020 5:03 pm
Forum: Personal Investments
Topic: TSP Loan or Sell Taxable Stocks to Buy Rental Property
Replies: 13
Views: 640

Re: TSP Loan or Sell Taxable Stocks to Buy Rental Property

I already own one rental property that has performed nicely, and I intend to buy another in the near future, I have enough money in my taxable account to make the down payment, but would need to pay taxes on the gains. I can also take a TSP loan at an interest rate of 2%, which must be paid back wi...
by jminv
Sun Jan 19, 2020 8:34 am
Forum: Investing - Theory, News & General
Topic: Isn’t Inflation Much Larger Than 2%?
Replies: 289
Views: 19203

Re: Isn’t Inflation Much Larger Than 2%?

I just got my cable TV/internet/landline bill from Comcast yesterday. Here are increases from last month's bill. Overall bill went up ............................$5.37 ..+3.2% Broadcast TV fee went up .....................$4.95 .+56.9% Regional sports fee went down ...............$1.25 .-15.6% (thi...
by jminv
Sat Jan 18, 2020 7:20 am
Forum: Personal Investments
Topic: Found Pennzoil stock certificate from the 1970's. Now what?
Replies: 4
Views: 1132

Re: Found Pennzoil stock certificate from the 1970's. Now what?

I was going through my deceased father's save and found a stock certificate for 30 something shares of Pennzoil stock. My old financial planner (I'm on this site so he was obviously fired) had no luck. I chased down a few leads, calling some numbers of transfer agents that I though may have some in...
by jminv
Fri Jan 17, 2020 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Realized we made a major mistake and feeling really sick.
Replies: 162
Views: 14309

Re: Realized we made a major mistake and feeling really sick.

Did your wife also make you sit down and calculate how much you would be worth had you invested the net proceeds from the company stock options sales in the total stock market? Because otherwise it's a meaningless comparison of 1.) company stock versus 2.) no stock. If this was over many years, it's...
by jminv
Fri Jan 17, 2020 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Leave my beneficiary 100/75/50/25 or 0% of my pension?
Replies: 57
Views: 3478

Re: Leave my beneficiary 100/75/50/25 or 0% of my pension?

I am retiring this week wth 33 years of service. My pension is aprox 78k and I am 58. My wife is 48 and retiring in 7 years will have apension of aprx 60k. We live in NYC, have 2 children 10 and 15 years old and no debt. We have a healthy tax deferred annunity that we must make withdrawls on at age...
by jminv
Thu Jan 16, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: cheap-o rental car chains
Replies: 46
Views: 3080

Re: cheap-o rental car chains

Whenever I search for a rental car, there are a few names that are almost always quite a bit cheaper than the "name" brands; these include SixT, Payless, Advantage, and Fox. What sort of experiences have people had with these ? I've rented all over the USA and quite a bit of the rest of the world. ...