Search found 1256 matches

by RickBoglehead
Sun Dec 16, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 204
Views: 28898

Re: TurboTax Prices

Citi Price Rewind
by RickBoglehead
Sun Dec 16, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Fidelity Discount for Turbotax Deluxe Download?
Replies: 6
Views: 429

Re: Fidelity Discount for Turbotax Deluxe Download?

And will be cheaper in January.
by RickBoglehead
Sun Dec 16, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Your Cost for Homeowners Insurance?
Replies: 6
Views: 478

Re: Your Cost for Homeowners Insurance?

As well as different insurance credit scores. Totally useless info.
by RickBoglehead
Sun Dec 16, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Friend looking at land to build, but will probably have naturally occurring asbestos
Replies: 16
Views: 840

Re: Friend looking at land to build, but will probably have naturally occurring asbestos

You say your friend is buying it, then you say your friend and you.

If your friend and you are buying it, my recommendation would be RUN.

If your friend is buying it alone, you should tell me that it seems very, very risky.
by RickBoglehead
Sun Dec 16, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Airbnb as side gig
Replies: 24
Views: 1721

Re: Airbnb as side gig

I fail to see how letting a stranger sleep in one of your bedrooms is a "side gig", but call me old fashioned. Having a stranger have the ability to walk into your bedroom while you sleep... :shock: Some quick research via Googling will tell you that most homeowner's policies, as well as liability p...
by RickBoglehead
Sun Dec 16, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Car buying decision
Replies: 26
Views: 1627

Re: Car buying decision

How can offering financing below the cost to provide it (i.e., zero or low interest) not be offset in the sales price of the vehicle? It would be coming out their margin if that were case. The vehicle sold with subsidized financing must be sold for more than a cash sale to achieve the same profit m...
by RickBoglehead
Sun Dec 16, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Joint ownership of Mother in Laws house
Replies: 3
Views: 292

Re: Joint ownership of Mother in Laws house

Elderly folks make this kind of deal all the time. They often have no clue about taxes or imaginary ideas about taxes. It can make life quite interesting even though life is interesting enough already. This ^^^. It's quite sad that so many really don't understand what they're doing it when they do ...
by RickBoglehead
Sun Dec 16, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Nice gifts for young kids
Replies: 28
Views: 2079

Re: Nice gifts for young kids

Cardboard box to climb in for the 2 year old. A few books for the 4 year old. A chewy toy for the baby.
by RickBoglehead
Sun Dec 16, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Lottery Tickets
Replies: 30
Views: 1527

Re: Lottery Tickets

I wouldn't. We have a relative that gives lottery tickets on birthdays. She gave my wife $10 in lottery tickets, sort of the "I know we don't do big gifts, this is just a little something". $10 in lottery tickets turns into $3 or $4 maybe. Tells us the giver isn't the brightest bulb. If a business p...
by RickBoglehead
Sun Dec 16, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Windows 10 update and Vanguard [account shows unauthorized transaction]
Replies: 13
Views: 986

Re: Windows 10 update and Vanguard [account shows unauthorized transaction]

RickBoglehead I am sure you are right and I came to that conclusion last night. I changed from a mutual funds account to a brokerage account in October. VFIAX pays out its dividend Monday and the debited amount is just a little more than I calculated using Vanguard's estimate. I have my account set...
by RickBoglehead
Sun Dec 16, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Windows 10 update and Vanguard [account shows unauthorized transaction]
Replies: 13
Views: 986

Re: Windows 10 update and Vanguard [account shows unauthorized transaction]

I will bet that one of the OP's funds had its annual distribution, which is now in process of transferring to the OP's bank (for example Vanguard 500 fund is in process". Updating Windows has zero impact on using the web, it's the browser update (Chrome happens automatically). Edge got updated in yo...
by RickBoglehead
Sun Dec 16, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Car buying decision
Replies: 26
Views: 1627

Re: Car buying decision

People who say just pay cash don't understand that you can often pay less if you don't pay with cash. For example, many of the car companies offer a higher rebate if you finance the car at normal rate (i.e. 4.99%). That rebate gets reduced if you take low or zero percent financing, and goes away tot...
by RickBoglehead
Sun Dec 16, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: How do you know when dividend/interest is paid from a mutual fund?
Replies: 13
Views: 912

Re: How do you know when dividend/interest is paid from a mutual fund?

Vanguard does not provide alerts when a Vanguard mutual fund pays a dividend, capital gain, or interest that I have ever been able to set.
by RickBoglehead
Sat Dec 15, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Strange [job] interview- what do you think?
Replies: 35
Views: 3444

Re: Strange [job] interview- what do you think?

Wow.

Or he's just a lousy interviewer?

Where do you come up with these conclusions?
by RickBoglehead
Sat Dec 15, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: If you have credit monitoring do you need to freeze credit?
Replies: 35
Views: 1835

Re: If you have credit monitoring do you need to freeze credit?

theplayer11 wrote:
Sat Nov 03, 2018 8:15 am
you can freeze and unfreeze with Equifax and Trans union for free with a click of a mouse.
You can do that at all 3 credit bureaus, plus Chexsystems.
by RickBoglehead
Sat Dec 15, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Strange [job] interview- what do you think?
Replies: 35
Views: 3444

Re: Strange interview- what do you think?

OP, 1) If the hiring manager likes you so much, he would not waste his time interviewing someone else. So, you may or may not be one of the top candidates. 2) If the hiring manager likes you so much, he would not tell you that he will be interviewing someone else. What if you accepted some other of...
by RickBoglehead
Sat Dec 15, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: turbo deluxe or premier for 2018 tax return
Replies: 4
Views: 429

Re: turbo deluxe or premier for 2018 tax return

There is virtually no reason to ever use more than Deluxe (download/CD) version. It's marketing hype that people fall for.
by RickBoglehead
Sat Dec 15, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 685
Views: 48779

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

My transfer from a bank was supposed to be done yesterday. It was not. Fidelity initially did not process my paperwork at all, despite having it. When I called and got that ball rolling, the expected completion date was posted of 12/14.

I will call on Monday to find out.
by RickBoglehead
Sat Dec 15, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Year-End Tax Software Sales
Replies: 3
Views: 379

Re: Year-End Tax Software Sales

I got an email several days ago that TaxAct is on sale 30% off until December 31st (which makes the Deluxe version $54 plus sales tax). Are there any other good year-end sales from software that you recommend? I imagine that prices will only go up after the new year... As has been posted previously...
by RickBoglehead
Sat Dec 15, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Is E-Trade the lowest cost solo 401k for me?
Replies: 5
Views: 209

Re: Is E-Trade the lowest cost solo 401k for me?

RIght. I use Vanguard. My annual cost is zero. They do charge $20 per fund in the plan (you pick what funds you want), but that is waived "in certain circumstances". Mine are due to my complete Vanguard relationship, of which my solo 401K is but a small part. I'm sure if you call Vanguard you'll fin...
by RickBoglehead
Sat Dec 15, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: How much do you pay for internet only?
Replies: 59
Views: 3170

Re: How much do you pay for internet only?

It's irrelevant to compare. Different markets, different providers. Only relevant if same market, then it's a difference of ability to push provider.

$19.95 a month for 25 MBPS, Comcast, SE Michigan.
by RickBoglehead
Sat Dec 15, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Furnace in rental has issues with out-of-warranty parts, replace or repair?
Replies: 15
Views: 945

Re: Furnace in rental has issues with out-of-warranty parts, replace or repair?

You can find a brand new induction motor for $300 or less. Mine installed with 3 screws. I'd send in another company for another estimate. If I was a landlord, I'd have repair companies that I had checked out on my list, and I'd be the one calling them, knowing I'd be getting a fair deal. But I'm no...
by RickBoglehead
Fri Dec 14, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 2821

Re: Is it difficult to change a baby's legal name?

I go with Shrek Baggins Smith.

Diaper brand is going to be challenging :shock:
by RickBoglehead
Fri Dec 14, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Hyatt Legal Plan for Will and Trust
Replies: 48
Views: 2110

Re: Hyatt Legal Plan for Will and Trust

... can you share how you interview the attorney and knowing which attorney works best for you? Seems like any attorney should be ok if they’re able to get it done? I’m not in the profession so how do you evaluate one attorney from another. Check the lawyer's bio and his/her firm's website. That sh...
by RickBoglehead
Fri Dec 14, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Hyatt Legal Plan for Will and Trust
Replies: 48
Views: 2110

Re: Hyatt Legal Plan for Will and Trust

... can you share how you interview the attorney and knowing which attorney works best for you? Seems like any attorney should be ok if they’re able to get it done? I’m not in the profession so how do you evaluate one attorney from another. Check the lawyer's bio and his/her firm's website. That sh...
by RickBoglehead
Fri Dec 14, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Imminent retirees & sequence fear
Replies: 64
Views: 3434

Re: Imminent retirees & sequence fear

I can't imagine pulling everything out. Yes, it's easy today to say "wow, that was smart". Had you done this on 1/1/17 we'd be laughing at you because of the gains you missed. It's market timing. If your AA doesn't make you comfortable, then change it. If you don't like the current volatility in sto...
by RickBoglehead
Fri Dec 14, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Investing Too Much?
Replies: 18
Views: 1908

Re: Am I Investing Too Much?

$28,000 in a money market, adding $10,000 more to it. It will barely keep up/beat/lose to inflation.

Unless your horizon is 3 years, I'd be more aggressive with my potential house fund.

And your ROTH IRAs should be viewed as part of your asset allocation also.
by RickBoglehead
Fri Dec 14, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Hyatt Legal Plan for Will and Trust
Replies: 48
Views: 2110

Re: Hyatt Legal Plan for Will and Trust

Hi RM, I also signed up for the Hyatt Legal Plan through my employer and I’m in the process of looking for an attorney to set up my trust. If it’s ok with you, can you share how you interview the attorney and knowing which attorney works best for you? Seems like any attorney should be ok if they’re...
by RickBoglehead
Fri Dec 14, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: 20 Year Guaranteed Term Non Smoker Life Insurance
Replies: 14
Views: 659

Re: 20 Year Guaranteed Term Non Smoker Life Insurance

It seems the OP is not understanding what term insurance is. When the term ends, there is no payout. The money spent is worthless. Assuming it's a guaranteed level-term policy, which the father bought at 65 years old, he'll spend $120,000 to get the possibility of his estate getting $250,000 if he d...
by RickBoglehead
Fri Dec 14, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Potential New Home - Planes and Trains Noise
Replies: 35
Views: 2501

Re: Potential New Home - Planes and Trains Noise

You gotta love the "you'll get used to it" comments. My in-laws lived down the street from a train switching yard. First time I stayed there, when the trains connected and the entire house shook, I leaped out of bed. What bothers one person may not bother another. And vice versa. We live miles from ...
by RickBoglehead
Fri Dec 14, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Years In, New Questions Arise.
Replies: 10
Views: 1012

Re: 2 Years In, New Questions Arise.

If you reinvest dividends or interest, then your cost basis is affected, because you're buying new shares / lots. You spend $100 on 100 shares of a stock. That's your cost basis,$1 per share or $100 on all of them. It declares a $1 dividend, which you reinvest and buy another share with, but the sha...
by RickBoglehead
Fri Dec 14, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Will the 2008 recession help avoid severity of the next recession?
Replies: 39
Views: 2256

Re: Will the 2008 recession help avoid severity of the next recession?

Will the 2008 recession help avoid severity of the next recession? - No, it won't. We as a society do the same stupid things over and over again. We don't learn. I believe that the widespread use of social media will accelerate any recession and make it worse, because all the idiots/uninformed/unedu...
by RickBoglehead
Fri Dec 14, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Starting fund for 2 year old
Replies: 10
Views: 600

Re: Starting fund for 2 year old

A couple of points. If you invest in a 529, the funds can be used for any child, or even a relative, or yourself, at your discretion as owner of the account. Changing a recipient is easy. If the funds are used for non-college expenses, then you'll pay a 10% penalty plus tax. If you setup a UTMA or U...
by RickBoglehead
Fri Dec 14, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Question on dryer vent cleaning
Replies: 28
Views: 2247

Re: Question on dryer vent cleaning

I was standing outside my house when the dryer was on and I noticed lint coming out, so I figure it's time to clean it. Your assumption is incorrect. The dryer lint screen cannot capture every little bit of lint. Therefore, some goes into the pipe and comes out the vent. That's why a vent eventuall...
by RickBoglehead
Fri Dec 14, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Landlord charging for unwarranted repairs.
Replies: 10
Views: 1457

Re: Landlord charging for unwarranted repairs.

There are state and local guidelines on when a deposit has to be returned, and how deductions have to be done.

Your lease ended 11/30. They have from that date, not your move out date, to notify you within whatever the period is I believe.
by RickBoglehead
Fri Dec 14, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 3439

Re: Who else is doing home automation?

Wemo devices connect to a primary WiFi network only, they don't work on Guest networks. I returned all of mine when I discovered this. They also store your SSID and password on the device. Big security risk.
by RickBoglehead
Thu Dec 13, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Fax without a telephone line
Replies: 21
Views: 1950

Re: Fax without a telephone line

It's truly amazing to me how many businesses still use fax and refuse to receive scan and email documents. We are nearly to the year 2020. We are less than a decade away from autonomous vehicles becoming commonplace. There are two reasons for faxing that I think are valid, although have issues. 1) ...
by RickBoglehead
Thu Dec 13, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Fax without a telephone line
Replies: 21
Views: 1950

Re: Fax without a telephone line

I use an OBI-202 with Callcentric for the rare occasions I need fax. It's VOIP with support for T.38 fax friendly protocol. But to be honest, fax over VOIP is not very reliable even slowed down to the lowest transmission/reception speed. Fax just does not like VOIP if there is too much jitter, lag,...
by RickBoglehead
Thu Dec 13, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Old Windows 8 PC and Windows Defender
Replies: 16
Views: 855

Re: Old Windows 8 PC and Windows Defender

I assumed when the OP said he had Windows 8, that he had it currently updated also. WIndows 8.1 support ends January 10, 2023. Windows 8 support ended years ago, and the OP should not be using that on a machine that accesses the internet at any time.
by RickBoglehead
Thu Dec 13, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: 2019 Roth IRA Contributions
Replies: 15
Views: 911

Re: 2019 Roth IRA Contributions

How many people are making their 2019 Roth IRA contribution on 1/1/19? What are the pros and cons? The answer is - no one. 1/1/19 is not a date the markets are open, nor the banks. A purchase on 1/1/19 actually happens on 1/2/19 :D I will be, only because I can remove contributions made if the earn...
by RickBoglehead
Thu Dec 13, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Old Windows 8 PC and Windows Defender
Replies: 16
Views: 855

Re: Old Windows 8 PC and Windows Defender

Windows 8 is still supported, and you should be able to update Windows Defender just fine. You will get the most current software for Windows 8, which will look different than Windows 10, yes. And you will get current definitions.
by RickBoglehead
Thu Dec 13, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 160
Views: 10048

Re: Robinhood to launch 3% Checking & Savings Accounts

interesting how people are upset about app v desktop. my wife hasnt had a computer in years and mine if often duplicative for everything but word processing. We don't use smartphones at all. They are useless to us, and the recurring and one-time costs extremely expensive. Also, doing financial tran...
by RickBoglehead
Thu Dec 13, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan
Replies: 29
Views: 1438

Re: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan

It's said as a number. The number is 529. Five twenty-nine. It is not 529. This isn't Room 2-2-2...

Anyone who says it's 5 2 9 is w r o n g.
by RickBoglehead
Thu Dec 13, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: [Bond returns are currently negative. Why should I buy bonds now?]
Replies: 19
Views: 2500

Re: [Bond returns are currently negative. Why should I buy bonds now?]

I recently sold my Total Bond holdings to harvest a tax loss. While my outlook is say, 10 years, I can't justify putting money in Total Bond today. Why? Because I have every expectation that for the short term it will continue to lose share value. So, while the SEC yield beats CDs or Money Markets, ...
by RickBoglehead
Thu Dec 13, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Which Turbotax
Replies: 16
Views: 1359

Re: Which Turbotax

The vague marketing language is very confusing. I think when they use terms like "help" and "guidance" it is in the help section or narrative rather than in the "interview" process. I'll go with Deluxe and find out. Thanks for the help. This is 100% intentional on TurboTax's (Intuit's) part. 100% i...
by RickBoglehead
Thu Dec 13, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Which Turbotax
Replies: 16
Views: 1359

Re: Which Turbotax

On a related note, if one buys the CD and installs it on their computer, does it automatically update with any last minute changes? I've always used TT online, but was thinking of giving the CD version a try. No, it does not automatically update with any last minute changes, unless you set it for t...
by RickBoglehead
Thu Dec 13, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21694

Re: What percentage of your net worth is your home equity?

DaftInvestor wrote:
Thu Dec 13, 2018 7:21 am
Recently it's been going up a little nearly every day :annoyed
HA!

I wonder how many will get why?
by RickBoglehead
Thu Dec 13, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: How to tell if online watches are legit?
Replies: 15
Views: 1003

Re: How to tell if online watches are legit?

I have not yet found a clearly authoritative answer as to whether Amazon mixes their own stock with their Fulfilled by Amazon stock. If so, then the same risk is present: Fulfilled by Amazon stock from different 3rd party sellers is mixed together in their warehouses. When you select a seller, they...