Search found 378 matches

by thenextguy
Thu Nov 09, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: What is the difference between retiring and resigning from a job?
Replies: 42
Views: 14405

Re: What is the difference between retiring and resigning from a job?

Retiring includes resigning, but resigning doesn't include retiring.
by thenextguy
Mon May 01, 2017 6:11 pm
Forum: Investing - Theory, News & General
Topic: Five year CD paying more than 10 yr. treasury
Replies: 30
Views: 5648

Re: Five year CD paying more than 10 yr. treasury

CD rates aren't updated as frequently as 10-year treasuries (which are updated in real time).
by thenextguy
Tue Mar 14, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: Why don't things "feel" bubbly?
Replies: 76
Views: 11175

Re: Why don't things "feel" bubbly?

If it is true that the climate doesn't "feel" bubbly (and I'm not saying one way or the other), then I would take that as a bearish signal as opposed to a bullish one. It's been said many times to be fearful in an investment climate with the bluest of skies, and greedy when there is the proverbial ...
by thenextguy
Mon Mar 13, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: Why don't things "feel" bubbly?
Replies: 76
Views: 11175

Why don't things "feel" bubbly?

PE10 is hovering around 30. The only times these levels were reached before were the late 1920s and late 1990s. I realize feeling is subjective, but I recall the 2000 and 2008 and things just don't really "feel" like those times. I don't see similar warning articles by the usual permabears, even. I ...
by thenextguy
Thu Feb 16, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: What's a good analogy for average returns?
Replies: 45
Views: 3833

Re: What's a good analogy for average returns?

Instead of average return, call it the "total market return."
by thenextguy
Thu Jan 12, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: .
Replies: 13
Views: 2233

Re: Diminished Value: report through own or other party's insurance?

I was in a car accident many years ago that resulted in significant damage to my car. The other party was at fault, but he only had enough insurance to cover the repairs. I filed a diminished value claim under my insurance. The insurance company tried to keep delaying things, hoping I woud go away....
by thenextguy
Thu Jan 12, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loan [vs. investing]
Replies: 41
Views: 4850

Re: Auto Loan [vs. investing]

steelerfan wrote:I can't tell you what you should do, but if I were in your situation, I would pay cash. This is what I have done when purchasing my last two cars.

But, I am very debt adverse and do not even own a credit card.
I'm debt-averse and I own 6 credit cards!
by thenextguy
Wed Jan 11, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: .
Replies: 13
Views: 2233

Re: Diminished Value: report through own or other party's insurance?

I was in a car accident many years ago that resulted in significant damage to my car. The other party was at fault, but he only had enough insurance to cover the repairs. I filed a diminished value claim under my insurance. The insurance company tried to keep delaying things, hoping I woud go away. ...
by thenextguy
Wed Dec 28, 2016 8:48 pm
Forum: Investing - Theory, News & General
Topic: Picking Individual Stocks Is Dangerous
Replies: 62
Views: 8265

Re: Picking Individual Stocks Is Dangerous

Bogleheads: I saved the January 2016 issue of Kiplinger magazine because it has a two page article featuring the Bogleheads. The magazine cover recommends " 8 Stocks to Buy Now ." I thought it would be interesting to see how these 8 carefully selected stocks have performed year-to-date (12/25/2016)...
by thenextguy
Thu Apr 07, 2016 6:21 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 10128

Re: led vs cfl

jharkin wrote:+1

Dont even look at CFL anymore. The lifespan was never what was claimed
Yes, that bothered the hell out of me. I spent a good amount of money on those damn things and at least mine didn't seem to last any longer than regular bulbs.
by thenextguy
Thu Apr 07, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a new car
Replies: 56
Views: 10079

Re: Buying a new car

I will be buying a new car soon without a trade in. I would appreciate any tips for getting best price. I don't like to haggle and will pay cash for new car. thanks Sam There's a few tips: 1. Costco's service 2. Internet/email pricing 3. Shopping around 4. Buy at the end of the month. 5. Don't ever...
by thenextguy
Thu Apr 07, 2016 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards with those little chip thingys...
Replies: 8
Views: 1519

Re: Credit cards with those little chip thingys...

I'm not 100% certain, but I believe the chip generates a one-time authentication that cannot be re-used.
by thenextguy
Wed Mar 30, 2016 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Dropping Full Coverage Auto Insurance
Replies: 6
Views: 948

Re: Dropping Full Coverage Auto Insurance

Find out how much it is. I looked into this a while back because my car is worth around $5K. It turned out that it would only save me about $10 a month.
by thenextguy
Wed Mar 16, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: So, about health insurance...
Replies: 18
Views: 2916

Re: So, about health insurance...

Don't feel obligated to take COBRA either. If you're in good health and comfortable with less coverage, you might be able to get a cheaper plan on the insurance exchange.
by thenextguy
Thu Mar 03, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Pension or Lump sum
Replies: 6
Views: 928

Re: Pension or Lump sum

I'd take the lump sum. I'm not sure I can ever feel comfortable with one company being responsible for my pension.

Can you insure the pension? Is it already insured?
by thenextguy
Mon Jan 25, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Did the bears eat my retirement? - Sequence of Returns Risk
Replies: 70
Views: 8475

Re: Did the bears eat my retirement? - Sequence of Returns Risk

obgyn65 wrote:It sounds like this AA is too risky for you.
gth8857 wrote:Our current AA is approaching 50/50.
And by the way, what exactly does "approaching 50/50" mean?

If I was at 90/10 last year year and 85/15 this year, I'm approaching 50/50, too!
by thenextguy
Wed Jan 20, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 196
Views: 31186

Re: The Big Short

I saw it the other day and thought it was pretty good. I'm not sure it deserved to be nominated for Best Picture.

My favorite movie about the 2008 financial crisis is still "Margin Call." I highly recommend that movie.
by thenextguy
Mon Jan 04, 2016 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 15341

Re: Savings % Target 2016?

What is this thread about? What purpose does it serve? It makes fortunate people feel good about themselves. And it makes less fortunate people feel like they may not be doing well enough (as if they didn't have enough problems anyway) Define "fortunate". I know people with 3x my income that don't ...
by thenextguy
Mon Jan 04, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Lottery - lump sum or annual payout?
Replies: 75
Views: 9485

Re: Lottery - lump sum or annual payout?

FRANK2009 wrote:Lump sum it and pay your taxes. You've won the game. Short term muni fund, money market funds,short treasury funds, I bonds. Forget stocks.
You would probably want some stocks to help reduce volatility.
by thenextguy
Thu Dec 17, 2015 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: when will cd rates go up
Replies: 17
Views: 3404

Re: when will cd rates go up

CoAndy wrote:I saw where Wells Fargo has raised their prime rate from 3.25 to 3.50 within minutes of the Fed announcement....rates on savings accounts remained at 0.06%... :annoyed
Isn't the prime rate tied to the Fed Funds rate?
by thenextguy
Wed Nov 18, 2015 8:01 pm
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 18095

Re: Guilty pleasures?

Fancy dinners. Like $200/person dinners with my friends. Usually only once a month though.
by thenextguy
Tue Nov 03, 2015 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Should real estate income be taxed as capital gains or income?
Replies: 17
Views: 1996

Re: Should real estate income be taxed as capital gains or income?

You could probably set up a management company and draw a salary for part of your income.

But rental income is not capital appreciation, so I don't agree it should be treated as capital gains.
by thenextguy
Tue Oct 27, 2015 5:40 pm
Forum: Personal Consumer Issues
Topic: Claiming diminished value after car accident (CA State)
Replies: 34
Views: 14160

Re: Claiming diminished value on car accident

The diminished value claim though HAVE to be filed with Amica since CA state does not let you file that claim with first party insurance company. So what happens if you are in a hit-and-run or your car is damaged by an uninsured driver ? Does that mean that you can't claim diminished value with you...
by thenextguy
Tue Jul 14, 2015 5:14 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't riskier stocks have better returns?
Replies: 20
Views: 2147

Re: Shouldn't riskier stocks have better returns?

I think companies without debt and without dividends are riskier than those with.
by thenextguy
Wed Jul 01, 2015 6:52 pm
Forum: Personal Consumer Issues
Topic: How to use SSD computer
Replies: 24
Views: 3901

Re: How to use SSD computer

Early versions of SSDs weren't as reliable as spinning disk drives. That's not the case with present-day SSDs.

http://www.extremetech.com/computing/18 ... oud-expect
http://betanews.com/2014/12/05/modern-s ... -lifetime/
by thenextguy
Tue Jun 16, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: Retirement areas, not Florida
Replies: 67
Views: 16509

Re: dry, baby, dry

leehsm wrote:with less heat
daveatca wrote: Phoenix
:?
by thenextguy
Mon Jun 08, 2015 4:18 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 23775

Re: Car dealer wants me to compensate for underpayment

FelixTheCat wrote:Send a photocopy of the signed contract back to them highlighting the agreed upon price.

I don't think that would help! :oops:
by thenextguy
Mon Jun 08, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: close friend found out how much I have - bad outcome
Replies: 92
Views: 14119

Re: close friend found out how much I have - bad outcome

Tell her you did help her out with the taxes you paid.
by thenextguy
Mon Jun 08, 2015 3:08 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 23775

Re: Car dealer wants me to compensate for underpayment

I don't see how they can get the car back without going to court. And I don't see them going to court over $1,500, but they might.

That said, it sounds like you did agree to pay the $1,500.
by thenextguy
Wed Jun 03, 2015 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay $150 In Taxes On $150000 Income
Replies: 37
Views: 15889

Re: How to pay $150 In Taxes On $150000 Income

If I read this right, if you're a government employee, you can have both 401k and 457 plan, assuming both are offered. Is that right? If that is the case, how is that fair to the rest of us who can have only 401k plans? (We don't put the maximum allowed into 401k due to cash needs, but I am just sa...
by thenextguy
Mon Jun 01, 2015 6:08 pm
Forum: Personal Consumer Issues
Topic: Planning Las Vegas vacation with a couple of side trips
Replies: 16
Views: 2397

Re: Planning Las Vegas vacation with a couple of side trips

You may want to check out Valley of Fire State Park. It's on the way to Utah.
by thenextguy
Wed May 20, 2015 2:13 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. MB vs. BMW
Replies: 80
Views: 27260

Re: Lexus vs. MB vs. BMW

Biil McNeal wrote:Thank you all for your insights. I misused "compact" as meaning "not full size" but that is the vehicle class I'm looking for.
I think "crossover" is the term. :sharebeer
by thenextguy
Thu May 14, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 34278

Re: The Million Dollar Car

How much do you think I should spend? I was also wondering is this a good time to splurge or not? Tell me what a boglehead would do. kmedina8: Despite the billions of dollars spent on marketing by automobile manufacturers, try to remember that a car is primarily to get from A to B. Nearly ALL cars ...
by thenextguy
Thu May 14, 2015 1:05 pm
Forum: Personal Consumer Issues
Topic: Starbucks Smartphone App Being Hacked
Replies: 6
Views: 1049

Re: Starbucks Smartphone App Being Hacked

Sounds like weak passwords, not hacking.
by thenextguy
Wed May 13, 2015 5:21 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 19015

Re: I Hate Vacations

You sound pretty stressed. You know what you need?

:D
by thenextguy
Tue May 05, 2015 6:57 pm
Forum: Personal Consumer Issues
Topic: 2015 Honda CR-V vibration problems
Replies: 40
Views: 13104

Re: 2015 Honda CR-V vibration problems

Well I'm currently looking at C-SUVs, and the CR-V was on my list, of course. I will be watching this closely in the next few months.
by thenextguy
Tue May 05, 2015 4:12 pm
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 61
Views: 10513

Re: Best Chromebook 2015

Does the Chromebook have offline versions of the office apps? Can you edit files and then have them sync when you're online?
by thenextguy
Mon Apr 13, 2015 10:17 am
Forum: Personal Consumer Issues
Topic: How should I name my home Wi-Fi network?
Replies: 55
Views: 18530

Re: How should I name my home Wi-Fi network?

Tell My Wifi Love Her
by thenextguy
Tue Mar 31, 2015 3:44 pm
Forum: Personal Consumer Issues
Topic: Tesla to start making Batteries for Home Solar
Replies: 61
Views: 6662

Re: Tesla to start making Batteries for Home Solar

I was surprised to see the bump in their stock when it was relatively well known that they were looking to market battery technology outside of cars. I am skeptical that very many people will purchase a battery for their home. In the early 1940s, IBM's president, Thomas J Watson, reputedly said: "I...
by thenextguy
Tue Mar 31, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: Tesla to start making Batteries for Home Solar
Replies: 61
Views: 6662

Re: Tesla to start making Batteries for Home Solar

They'll probably end up leasing them, just like they're doing with Solar Panels. I think lots of people would want them. Seems like a no brainer if there are no up front costs and it's cheaper than grid electricity.
by thenextguy
Tue Feb 24, 2015 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Someone Else Filed My Tax Return
Replies: 29
Views: 4238

Re: Someone Else Filed My Tax Return

I guess the best way to prevent this kind of frauds is for Uncle Sam not to withhold too much tax. Every year we should file a tax form and pay the additional taxes due. No need to wait for the government, as it won't happen. Just adjust your withholding allowances to the point where you meet the m...
by thenextguy
Tue Feb 24, 2015 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Someone Else Filed My Tax Return
Replies: 29
Views: 4238

Re: Someone Else Filed My Tax Return

It did not happen to me, but I did hear this was happening to others. There will have to be new security measures put in place to prevent this from happening. Good luck!
by thenextguy
Wed Feb 11, 2015 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Loan for house
Replies: 22
Views: 3385

Re: 401k Loan for house

How much of the Roth IRA is contributions? You can use that as a downpayment.

Also, you can use $10,000 from a retirement account to purchase a first home. So you might be able to use all the funds in your Roth.
by thenextguy
Tue Feb 10, 2015 8:04 pm
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 11193

Re: I'm not a bad Boglehead

Tanelorn wrote:Diversify across all the numbers and you'll be a winner for sure!
Yup. Nobody has been proven to successfully pick the lottery numbers in the long-term. One should buy an index containing all the numbers!
by thenextguy
Tue Feb 10, 2015 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a mess?
Replies: 31
Views: 5348

Re: am I mess?

barnaclebob wrote:Reddit sends a lot of people this way too, there are beacons of hope for millennials.
r/personalfinance advice is very much Boglehead-ish.
by thenextguy
Tue Feb 03, 2015 7:07 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5033
Views: 1294465

Re: What Movie Have You Recently Watched?

A-Commoner wrote: It's no different than knowing that Abe Lincoln dies in the end of the movie "Lincoln"
Whoa, whoa, whoa! Spoiler alert!

I was gonna watch that tonight! :oops:
by thenextguy
Mon Feb 02, 2015 2:30 pm
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 10093

Re: First Time Dog Owners -- Any Regrets?

You could consider fostering a dog to see how you like it. That way there's no long-term committment and you're helping a dog out.
by thenextguy
Mon Feb 02, 2015 2:29 pm
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 92
Views: 9578

Re: POLL: Do you personally own a cell phone?

More interesting thread would be to see who still has a landline.
by thenextguy
Wed Jan 28, 2015 1:00 pm
Forum: Personal Consumer Issues
Topic: Took the GRE test [- Suggest a masters degree]
Replies: 38
Views: 3939

Re: Took the GRE test

Something related to your job.