Search found 139 matches

by blackcat allie
Wed Jul 10, 2019 10:24 am
Forum: Personal Investments
Topic: Anyone else have VG phone reps push toward PAS?
Replies: 27
Views: 1946

Re: Anyone else have VG phone reps push toward PAS?

My guess is their script suggests they mention PAS to anyone who asks for help. It's likely not personal. You do sound like you have some mild behavioral hurdles to financial peace and success. Why did you not find PAS helpful in overcoming it before? I needed help with DCA. Initial plan was to do ...
by blackcat allie
Wed Jul 10, 2019 10:01 am
Forum: Personal Investments
Topic: Anyone else have VG phone reps push toward PAS?
Replies: 27
Views: 1946

Anyone else have VG phone reps push toward PAS?

Recently I phoned VG to try to stop an automatic investment going forward - on the same day. The representative encouraged me to make a Personal Advisor Service (PAS) appointment and I succumbed. Does anyone else take this to be an insult, based on non-ideal allocation? It is true that I'm not perfe...
by blackcat allie
Wed Jul 10, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: Turkish Airlines ?
Replies: 38
Views: 2538

Re: Turkish Airlines ?

This is just a quick thank you for all the illuminating thoughts & experiences in responses.
Happy, safe travels to us all :beer
by blackcat allie
Tue Jul 02, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6484

Re: How to avoid high vet bills?

...Again, don't want to derail into this topic/rabbit hole... e) End of life health care. This is where things can get expensive. This is where emotions can make it hard to not want to spend money to do whatever is necessary. Even just the examination fees (if you opt to not treat) with x-rays, lab...
by blackcat allie
Tue Jul 02, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1334
Views: 136877

Re: [What TV Show Have You Recently Watched?]

"Barry" and "Crashing" on HBO, both recommend.
(Restarted HBO for Chernobyl then got hooked on these)
by blackcat allie
Mon Jun 17, 2019 9:56 pm
Forum: Personal Consumer Issues
Topic: Turkish Airlines ?
Replies: 38
Views: 2538

Re: Turkish Airlines ?

You may want to spend $50 for Turkish visa before you go if you're an American citizen and connecting to other countries. You will not be able to leave airport without visa if you miss connecting flight or otherwise get stuck. Turkey does not issue visas on arrival. Check travel sites for some stor...
by blackcat allie
Mon Jun 17, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Turkish Airlines ?
Replies: 38
Views: 2538

Turkish Airlines ?

Wondering if anyone has experience/thoughts about Turkish Airlines ? Pardon this rather specific question I'm considering trip to Central Europe, and it's pricing is better than most other options on my rewards program. More generally, is there good site for objective rankings/reviews of internation...
by blackcat allie
Mon Jun 17, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 5965

Re: Are you a member of nextdoor.com? Any concerns registering your info?

Look closely at settings/options, I think you can just post street without house number & can use initials in name.
by blackcat allie
Thu Jun 13, 2019 10:51 am
Forum: Personal Investments
Topic: Starbucks; buy, sell, hold?
Replies: 41
Views: 3296

Re: Starbucks; buy, sell, hold?

sambb wrote:
Tue Jun 11, 2019 10:00 pm
SBUX? buy sell hold>

I buy, then i hold, then i drink the coffee. I dont sell it.
☕ Cheers :beer
by blackcat allie
Thu Jun 13, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11191

Re: Retired at 35 and have no friends :(

I think this is a troll post. Just my opinion. I am not calling anyone names. I am happy for OP if everything is true. But every time I see a new poster with a vague post with no specifics, I think someone is trying to brainstorm for a blog post somewhere to monetize. Especially if he/she does not ...
by blackcat allie
Tue Jun 04, 2019 1:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1296
Views: 122232

Re: U.S. stocks continue to soar!

Is there some kind of "Plunge Protection Team"?

I've heard it mentioned before, both sarcastically and earnestly
by blackcat allie
Sun Jun 02, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Should I buy Euros from local bank or use ATM in Europe
Replies: 37
Views: 2302

Re: Should I buy Euros from local bank or use ATM in Europe

For those that suggest going "cashless", how do you tip people?

Also my notion (perhaps antiquated) is that it's often easier to negotiate/haggle with cash than electronic swipers.
by blackcat allie
Mon May 27, 2019 12:12 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1334
Views: 136877

Re: [What TV Show Have You Recently Watched?]

"Chernobyl" mini-series on HBO. https://www.imdb.com/title/tt7366338/ Anyone else?

(side question: anyone familiar with Chernobyl tour of exclusion zone or museum in Kiev?)
by blackcat allie
Thu May 23, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Retirement home property - select good, better, best?
Replies: 27
Views: 3029

Re: Retirement home location, good, better, best

In CONUS, Florida Panhandle, far cheaper than south FL, beaches as nice or nicer than much of south FL. Less Third World feel, fewer of the more obnoxious Yankee ex-pats (no offense). No/minimal offense taken at the obnoxious Yankee ex-pats (I can own that) but the "Less Third World feel" is rather...
by blackcat allie
Fri May 17, 2019 11:01 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3844
Views: 1105519

Re: What Book Are You Currently Reading? Part VI

Bad Blood: Secrets and Lies in a Silicon Valley Startup about Elizabeth Holmes and Theranos. No idea nonfiction could be this enthralling.
by blackcat allie
Fri May 17, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: Dealer or Local Mechanic?
Replies: 41
Views: 1991

Re: Dealer or Local Mechanic?

Do chain express places like Jiffy Lube report maintenance to Carfax? My car is due for only oil change, but it''s still under warranty. I'm under the impression it looks better on Carfax to have things done at dealer. I would even bite the bullet and pay a few extra pesos, but there is a longer wai...
by blackcat allie
Wed May 08, 2019 8:50 am
Forum: Personal Consumer Issues
Topic: 2 Days in Nashville - What to see
Replies: 20
Views: 2353

Re: 2 Days in Nashville - What to see

How about with two 3.5 year old boys?

For music, appreciate suggestions of Station Inn & Roberts -- any other recommended alt-country/folk-indie music spots? (not with the kids)

Thanks in advance
by blackcat allie
Mon Apr 29, 2019 8:29 am
Forum: Investing - Theory, News & General
Topic: Consensus on I Bonds for 2019?
Replies: 67
Views: 11312

Re: Consensus on I Bonds for 2019?

Till what date/time do we have, for Treasury Direct, to get I-bonds before rate change?
From this thread I understand it's end of April, but wondering about specific timing, if things take time to settle, since it's getting close to wire.

Thanks in advance
by blackcat allie
Sat Apr 20, 2019 10:07 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig WSJ: You, Dear Investor,Are Patient, Prudent And Calm
Replies: 23
Views: 3650

Re: Jason Zweig WSJ: You, Dear Investor,Are Patient, Prudent And Calm

livesoft wrote:
Sat Apr 20, 2019 6:45 pm
Vanguard inhibits trades so much that anybody who would be considering action probably has already left Vanguard.
Could you please specify more about the inhibiting of trades?
Do you mean in terms of the structure of website/platform..
by blackcat allie
Wed Apr 03, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Help With Travel to Prague - Vienna - Budapest
Replies: 15
Views: 1866

Re: Help With Travel to Prague - Vienna - Budapest

Anyone with experience or knowledge of smaller group tours such as Intrepid, National Geographic, or Rick Steves? I am contemplating joining a week tour, as solo traveler, for Budapest and Prague. Most of them have Vienna stays, which I could do without, but I like the idea of a (non-luxury) small g...
by blackcat allie
Tue Apr 02, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 278
Views: 27670

Re: "The best and worst U.S. states for retirement"

Anyone else have a "sinking feeling" about Florida?
(and other low lying, coastal areas)

https://www.zillow.com/research/ocean-a ... oor-21931/
by blackcat allie
Mon Apr 01, 2019 6:36 pm
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 148
Views: 19388

Re: Should we stay in Crazytown because there's no where to run?

Thought of this thread today.. In particular, as someone who has never followed this before, I was wondering if present times seem different than other times. I know the saying - history doesn't repeat, but it does rhyme - however with so many new ingredients (ie. quantitative easing, taxcuts/buybac...
by blackcat allie
Thu Mar 21, 2019 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is my doctor a scam?
Replies: 33
Views: 4566

Re: Is my doctor a scam?

Looks to me like you had a "new patient" physical exam and you are old enough to get a colonoscopy which you probably haven't had in a while or ever. Agree completely. Colorectal cancer screening can save more lives than mammograms, and can detect and remove polyps and other pre-cancerous lesions. ...
by blackcat allie
Mon Mar 18, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Sirius
Replies: 16
Views: 1260

Re: Sirius

Slightly digressing, but anyone remember the Inno XM to go?
Had one ten years ago, could just hit record on songs & it would store content. Like taping songs off the radio

Ah nostalgia...
by blackcat allie
Fri Feb 08, 2019 2:23 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 221
Views: 15547

Re: 2019 Hedge Fund Contest

@blackcat - it’s not you, Google Finance has been screwy for the last couple days. Some of the prices are wrong (TWTR at $600), others aren’t being pulled up at all, etc. if they don’t fix it soon, I may switch to a different quote source.... If you still want to close any of your positions, please...
by blackcat allie
Fri Feb 08, 2019 1:28 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 221
Views: 15547

Re: 2019 Hedge Fund Contest

I’m glad you enjoyed your fleeting time at the top. I remember that for my short SHDLQ for a few hours the very first day of the contest, and, well, it’s been lonely at the bottom ever since. I updated the spreadsheet to reflect the value of the new SIRI shares from the merger for your P position, ...
by blackcat allie
Sun Feb 03, 2019 2:58 pm
Forum: Investing - Theory, News & General
Topic: Employer changing 401K administrator. Are you requried to move funds to new provider?
Replies: 14
Views: 1093

Re: Employer changing 401K administrator. Are you requried to move funds to new provider?

Many plans allow I think partial in-service rollover for age 59.5 and over. I've asked and followed this in other posts. If younger, it would be theoretically possible under ERISA and federal law to get part of your money rolled over - not the part from your paycheck employee contribution, but emplo...
by blackcat allie
Sat Feb 02, 2019 1:28 pm
Forum: Personal Investments
Topic: Investment experts predict that US equity will return -4.1% to 2.6% over the next decade. Time to get out of US equity?
Replies: 75
Views: 8276

Re: Investment experts predict that US equity will return -4.1% to 2.6% over the next decade. Time to get out of US equi

Sometimes I think people might be provoking, devils-advocating with post content/titling.
I think it's testament to the high quality of this board & mods that responses transform and evolve into well-considered responses.
by blackcat allie
Fri Feb 01, 2019 2:51 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 221
Views: 15547

Re: 2019 Hedge Fund Contest

Oh Happy Day... One of quotes for my shorts (P) delayed, position showing 0 and up 100% on spreadsheet. I took screen capture and download of rankings - because, alas, I fear victory is fleeting. Pandora was bought by Sirius yesterday, so the stock doesn’t exist anymore and that’s why it’s showing ...
by blackcat allie
Fri Feb 01, 2019 9:53 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 221
Views: 15547

Re: 2019 Hedge Fund Contest

Oh Happy Day... One of quotes for my shorts (P) delayed, position showing 0 and up 100% on spreadsheet. I took screen capture and download of rankings - because, alas, I fear victory is fleeting.
by blackcat allie
Sun Jan 27, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Did I do a terrible purchase on a used car?
Replies: 38
Views: 4051

Re: Did I do a terrible purchase on a used car?

As someone who just ended up with CPO Used Hyundai because it seemed like a "good deal' I would say no, not a bad purchase on used Toyota. My Hyundai already has tire issues and chipped door frame week one. Did you mention which Prius trim/model? Congratulations, enjoy. And my new credo will be not ...
by blackcat allie
Sat Jan 26, 2019 3:48 pm
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 76
Views: 3918

Re: Happy Birthday, Taylor!

https://upload.wikimedia.org/wikipedia/commons/d/d6/Eisenhower_d-day.jpg Taylor served as a World War II paratrooper in the 101st Airborne Division during the Battle of the Bulge, earning 5 combat decorations Thank you, Mr. Larimore, for your continued contributions, and happy birthday. Indeed, gra...
by blackcat allie
Wed Jan 23, 2019 1:50 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 221
Views: 15547

Re: 2019 Hedge Fund Contest

Facebook now giving up most of its gains for the day after Washington Post reports that regulators are discussing imposing a record-setting fine against the company for privacy violations. Couple this with the fact that younger users, millennials and advertisers are fleeing Facebook in droves, its ...
by blackcat allie
Wed Jan 23, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: Negotiating for CPO Toyota or Honda
Replies: 24
Views: 2675

Re: Negotiating for CPO Toyota or Honda

I think these CPO Toyota & Honda are not at these dealerships to be sold. They are simply there to provide a high price for used cars and make customers think a new car is a better deal. That is, the presence of these cars, sells new cars. ⬆️ Wowowow.... true true true. I almost ended up with a new...
by blackcat allie
Tue Jan 22, 2019 9:39 pm
Forum: Personal Consumer Issues
Topic: Paying "cash" for auto - possibly w regular credit card?
Replies: 57
Views: 4654

Re: Paying "cash" for auto - possibly w regular credit card?

For paying at “cash” at auto dealer -- has anyone used a regular credit card and then paid it same cycle? It would give credit card rewards, not sure though about any extra purchase protections. I suppose bank check is more common method. wondering if anyone has used a credit card or a smarter stra...
by blackcat allie
Tue Jan 22, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: Negotiating for CPO Toyota or Honda
Replies: 24
Views: 2675

Re: Negotiating for CPO Toyota or Honda

Appreciative of many of the threads/wisdom here.. I'm in something of a time crunch situation for getting vehicle (between work/school, driving a rental after my car was rear-ended/totaled) Denovo's thread was genius (https://www.bogleheads.org/forum/viewtopic.php?f=11&t=124638&start=300#p4321008) ...
by blackcat allie
Sun Jan 20, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: Negotiating for CPO Toyota or Honda
Replies: 24
Views: 2675

Re: Negotiating for CPO Toyota or Honda

It looks like there's limited supply (especially CPO) and not much negotiation room.. wondering if anyone else has run up against that ? Thanks in advance, perhaps mostly venting here, but maybe someone has related ideas or experiences to share. How used are you looking? I would expect very few 1-2...
by blackcat allie
Sun Jan 20, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: Negotiating for CPO Toyota or Honda
Replies: 24
Views: 2675

Negotiating for CPO Toyota or Honda

Appreciative of many of the threads/wisdom here.. I'm in something of a time crunch situation for getting vehicle (between work/school, driving a rental after my car was rear-ended/totaled) Denovo's thread was genius (https://www.bogleheads.org/forum/viewtopic.php?f=11&t=124638&start=300#p4321008) h...
by blackcat allie
Sat Jan 19, 2019 9:36 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle's Obituary From The Family
Replies: 48
Views: 15901

Re: Jack Bogle's Obituary From The Family

Everything said above, I lack words to describe my gratitude/awe to a great man --
and so thankful as well for this wonderful community
by blackcat allie
Fri Jan 18, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 41
Views: 3321

Re: Car reviews - Consumer Reports or other sources?

Lastly, be aware that the reliability data is skewed by sample selection. The data is harvested by questioning CR subscribers about the reliability of their vehicles, not by questioning the general public nor reviewing repair data industry wide. As a result, you get "confirmation bias" in the data....
by blackcat allie
Fri Jan 18, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: 2019 Camry vs RAV4
Replies: 39
Views: 4308

Re: 2019 Camry vs RAV4

Alexa9 wrote:
Mon Jan 14, 2019 2:31 pm
So the Camry shoot for less than $22,000 + Tax, Title, License? RAV4 24,500 + TTL?
Anyone recently purchased 2018 RAV4, wondering what your OTD price (and trim) was? (thanks in advance, pardon digression)
by blackcat allie
Wed Jan 16, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: Buying a car? [Need help with strategy for purchasing a used car]
Replies: 43
Views: 6135

Re: Buying a car? [Need help with strategy for purchasing a used car]

3 - On a side note, what's the best way to get trade-in or salvage value for my current Corolla? Everything is in quite good condition except for the grill, hood, radiator and front sidelights. Wondering what your outcome was @lazylarry & whether perhaps anyone else has experience with salvage cars...
by blackcat allie
Wed Jan 16, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 41
Views: 3321

Car reviews - Consumer Reports or other sources?

Wondering how you rate Consumer Reports, as arbiter of car owner satisfaction and reliability? After cheapskating to Barnes & Noble and looking at Consumer Reports Car Buying Guides, I ended up biting the bullet for monthly subscription to online Consumer Reports. Wondering how good and biased/nonbi...
by blackcat allie
Wed Jan 16, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: Anyone with experience with Carmax?
Replies: 74
Views: 24571

Re: Anyone with experience with Carmax?

I'm surprised to see so many positives from a group of bogleheads. I always view "no-haggle" prices as a negative. I *want* to haggle. I've never bought a car there, but I've looked quite a bit. It looks to me like their prices are pretty much in the middle -- not the highest, not the lowest. I too...
by blackcat allie
Sun Jan 13, 2019 9:58 pm
Forum: Personal Consumer Issues
Topic: Paying "cash" for auto - possibly w regular credit card?
Replies: 57
Views: 4654

Re: Paying "cash" for auto - possibly w regular credit card?

I tried this last month for points on my daughter's car. They wouldn't do more than $3k. I instead wiped my debit card for $26k. The FI guy's face when it went through was priceless though. Nice. It never even occurred to me so much could be done on debit card. Are there any advantages/disadvantage...
by blackcat allie
Thu Jan 10, 2019 10:00 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 53
Views: 4623

Re: Please Recommend a New Car for Me

I will be buying a new car in the near future. ...Really would like the smallest city car I could buy...BUT hate feeling like a small fish in a huge pond of SUVs and increasingly feel unsafe Don't really want to spend any more than about $26,000 on a new car. Hi, wondering if you made a purchase or...
by blackcat allie
Thu Jan 10, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Paying "cash" for auto - possibly w regular credit card?
Replies: 57
Views: 4654

Re: Paying "cash" for auto - possibly w regular credit card?

I am so grateful for all of your responses and input. One procedural question, please We recently bought a new car and I paid for it 100% with a credit card, so it can definitely be done. My strategy was this - I started by emailing every Honda dealership in the city asking what their best offer for...
by blackcat allie
Tue Jan 08, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Paying "cash" for auto - possibly w regular credit card?
Replies: 57
Views: 4654

Paying "cash" for auto - possibly w regular credit card?

For paying at “cash” at auto dealer -- has anyone used a regular credit card and then paid it same cycle? It would give credit card rewards, not sure though about any extra purchase protections. I suppose bank check is more common method. wondering if anyone has used a credit card or a smarter strat...
by blackcat allie
Mon Jan 07, 2019 3:40 am
Forum: Investing - Theory, News & General
Topic: What do you do with cash at TD Ameritrade, and TD Private Client Services
Replies: 4
Views: 690

Re: What do you do with cash at TD Ameritrade, and TD Private Client Services

..... at TDAmeritrade I would buy shares of BIL or another short-term bond fund. BIL is 1-3 Month Treasuries. It is a free trade as long as one follows the TDAmeritrade 30-day rule. So once I had BIL past the 30-days, then I would start something like FLRN. Last year with bonds doing poorly until O...
by blackcat allie
Sun Jan 06, 2019 12:19 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 221
Views: 15547

Re: 2019 Hedge Fund Contest

A Random Walk in the Tulips Let's monetize it - predictability and death are inexorable, music and fun are transient. Stay the course for 2 and 20. Long BRK-B Chemed (CHE) Short Netflix (NFLX) Pandora (P) Sirius XM Holdings (SIRI) {Note: Planned to short beloved Spotify, but apparently it's not par...