Search found 523 matches

by 02nz
Mon Nov 12, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Laptop warranty-Costco’s version?
Replies: 4
Views: 448

Re: Laptop warranty-Costco’s version?

An extended warranty is like insurance - the company selling it is going to make money overall. So statistically you're not going to come out ahead. For anything that won't cause financial hardship - I would assume a laptop falls into that category - you should not buy insurance. As far as susceptib...
by 02nz
Mon Nov 12, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1109

Re: Prepaying for Rental Car - Availability Guaranteed?

I've prepaid, only to arrive and be told there were no vehicles available and had to wait (until the next day!). I could've canceled and gotten a refund but needed the vehicle even if it was a day later. This was in South Africa. Also happened in Germany, although wait was a few hours rather than a ...
by 02nz
Sun Nov 11, 2018 12:00 am
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9431

Re: Favorite "free stuff"?

Several have mentioned Costco samples. I always chuckle at seeing how many people line up for a tiny sample of junk food. Of course I’m doing so while standing in line ... My favorite free thing may be EV charging. There aren’t too many public ones, but my school has free charging for students and s...
by 02nz
Sat Nov 10, 2018 10:58 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve -points for family ?
Replies: 13
Views: 1609

Re: Chase Sapphire Reserve -points for family ?

Bogleheads, I was thinking of applying Chase Sapphire Reserve but not sure if I I will get points on trips for all family members(1 adults, 2 kids)? And same true for other benefits like trip cancellation insurance . In both cases I will be travelling myself along with https://creditcards.chase.com...
by 02nz
Sat Nov 10, 2018 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA for spouse and I
Replies: 28
Views: 1542

Re: Traditional or Roth IRA for spouse and I

...OP is in the 12% federal tax bracket after the standard deduction.... Are they? Taking the midpoints of the bonus and self-employed amounts, with no retirement contributions one gets AGI = $125,253 Std. ded. = $24,000 QBI ded. = $700 Taxable income = $100,553 This puts them in the 22% bracket un...
by 02nz
Sat Nov 10, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4405

Re: Vanguard screws up rollover from TSP

I submitted it on the Merrill Edge website on Nov 1 - after confirming that the conversion was completed at Vanguard (conversion out of VFIAX shows a trade/settlement date of Oct 29, conversion into VOO Oct 30). I did so only after seeing on Vanguard.com that my holdings were 100% in VOO. Unclear h...
by 02nz
Sat Nov 10, 2018 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: What? I'm a Vanguard Owner?
Replies: 10
Views: 1686

Re: What? I'm a Vanguard Owner?

What it means is that, unlike most companies that serve customers but ultimately answer to shareholders, for Vanguard the two are the same. In theory this better aligns the company's priorities with your interests. This is also the case with companies like USAA and mutual insurance companies (true m...
by 02nz
Sat Nov 10, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA for spouse and I
Replies: 28
Views: 1542

Re: Traditional or Roth IRA for spouse and I

I don't know why some people are telling you to do a Roth IRA. You should do Traditional as much as you can. You defer taxes now and later pay no taxes with a Roth Conversion Ladder. If you do a Roth IRA then you are guaranteed to pay taxes. TLDR: You should defer taxes as much as humanly possible....
by 02nz
Sat Nov 10, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 3529

Re: Roth Investment Theory

Also, you should throw out the concept of "dollar cost averaging" into your mental garbage can. It's an inferior and completely illogical strategy that doesn't deserve another thought in your lifetime. That's an extraordinarily broad (and negative) statement. Yes, generally the market goes up, so i...
by 02nz
Sat Nov 10, 2018 9:47 pm
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 3529

Re: Roth Investment Theory

Also, you should throw out the concept of "dollar cost averaging" into your mental garbage can. It's an inferior and completely illogical strategy that doesn't deserve another thought in your lifetime. That's an extraordinarily broad (and negative) statement. Yes, generally the market goes up, so i...
by 02nz
Sat Nov 10, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 37
Views: 3655

Re: TurboTax on TaxMarkDown.com

For those looking to get this from Amazon, I'd hold off just a bit. The software won't be very usable for several weeks, as stuff gets updated. And as we head into the holiday season Amazon will run promos on TurboTax. I bought TT 2017 Premier last December for around $50 from Amazon (digital downlo...
by 02nz
Sat Nov 10, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 36
Views: 3767

Re: Cars similar to Toyota Corolla LE that I should consider for purchase?

Since you reference the LE trim I'm assuming you're looking at the sedan. There's a much better car at the same dealer - the Corolla Hatchback. The hatchback (previously the Scion and then Toyota iM) is all-new for model year 2019. It's based on Toyota's new global platform, which also underpins the...
by 02nz
Fri Nov 09, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 101
Views: 3605

Re: Point and shoot camera

Modern smartphones have a big leg up on point-and-shoot cameras in software processing. Unless you're going to get at least a one-inch sensor (e.g., Sony RX100, with several models to choose from - the III is still very capable), you're not going to do better than a good smartphone camera.
by 02nz
Fri Nov 09, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 17
Views: 1539

Re: Finally cutting cable -- is 40mbps enough for streaming services?

We have 30 Mbps with Sling, Amazon Prime, and Hulu. All work fine; sometimes the quality is poor for just a moment when the stream begins, but then bandwidth is correctly detected and resolution is adjusted to 720p or 1080p. Netflix recommends 25 Mbps for 4K, so 40 would be fine even for 4K.
by 02nz
Fri Nov 09, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 31
Views: 1923

Re: Anyone with an Audi A3, Sport hatchback e-tron?

Since OP is in CA, I'd strongly recommend a plug-in hybrid or even all-electric. The ability to get the HOV sticker is (literally) priceless. And since OP's looking for quiet - an EV (or plug-in hybrid operating on battery) is much quieter than even the quietest gasoline car. The Volt can be had wit...
by 02nz
Thu Nov 08, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: TSP(401k?) to IRA to ROTH - questions
Replies: 30
Views: 1168

Re: TSP(401k?) to IRA to ROTH - questions

3. In September 2019 (only ten months from now), the Federal Retirement Thrift Investment Board will implement new liberalized TSP withdrawal rules. In general, those new rules will allow separated TSP participants and beneficiaries to make many withdrawals from their accounts and to change the amo...
by 02nz
Thu Nov 08, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: TSP(401k?) to IRA to ROTH - questions
Replies: 30
Views: 1168

Re: TSP(401k?) to IRA to ROTH - questions

There isn't much time left in this year to roll over a portion of your TSP to an IRA at another institution so you need to plan carefully (and maybe just forget about 2018 - better to get this right than be in a rush and make a big mistake). You need to fill out the TSP paperwork, have it notarized,...
by 02nz
Wed Nov 07, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6353

Re: Best deals to buy iphones

No that was me trying to be nice. Your obviously do not have any actual knowledge of Sprints back end system - I do. Sprint hasn't had a "senior plan" for two years You don't need knowledge of Sprint's back end system. Their senior plan (modeled exactly after T-Mobile's, just with extra charges tac...
by 02nz
Wed Nov 07, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6353

Re: Best deals to buy iphones

We pay via autopay, $60 for 2 lines unlimited data, no throttling on TMobile 55+. It’s cheaper and better than the plan we were on before where we paid more for 4 lines and less unthrottled data. I have a line with D as 2nd user on it and H has one with S as his 2nd user. I have not purchased a new...
by 02nz
Mon Nov 05, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4405

Re: Vanguard screws up rollover from TSP

I decided to convert to ETF first at Vanguard. This was completed October 30, and following the conversion my account only showed shares of VOO. Three days later the transfer went through, but Vanguard somehow transferred out my original number of VFIAX shares, not VOO. On what day did you submit t...
by 02nz
Mon Nov 05, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4405

Re: Vanguard screws up rollover from TSP

Ugh, and it gets worse. Vanguard seems intent to prove to me that moving all my assets away is the correct decision. I decided to transfer the taxable account to Merrill Edge, which has a bonus offer. I held nothing but the 500 Fund (VFIAX) in this account, and since Admiral shares can't be transact...
by 02nz
Fri Nov 02, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4405

Re: Vanguard screws up rollover from TSP

Bottom line, really dismayed with Vanguard. They screwed up and refuse to make me whole. It's not that much money in the big scheme of things, but this kind of shoddy service is unacceptable to me. This is not how any customer should be treated, much less by a client-owned company. So, I'm in the p...
by 02nz
Fri Nov 02, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4405

Re: Vanguard screws up rollover from TSP

OP here. After the money was credited to the correct account and I made my purchase of VFIAX, I asked Vanguard to adjust the trade date to two days earlier to reflect the date/price of when I should have been able to buy the fund. It was a difference of several hundred dollars. The response really g...
by 02nz
Fri Nov 02, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2292

Re: Europe Trip

A lot of Europe (London, Paris, and Rome included, indeed much of Italy) gets awfully crowded in the warmer months. And southern Europe (including Italy) can get really hot in summer, and unlike in the U.S. many/most places don't have AC. I've always enjoyed traveling in Germany in the summer. Outsi...
by 02nz
Fri Nov 02, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Thoughts on the New Macbook Air?
Replies: 70
Views: 3974

Re: Thoughts on the New Macbook Air?

Contrarian opinion: the best apple notebook for most people right now is the old macbook air. $999. And more than powerful enough for most people. Apple likes to hype the superiority of the new screens and touts the new specs as being meaninful for everyone but in reality it's only power users that...
by 02nz
Wed Oct 31, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2652

Re: Luxury Sedans for around $25k used with lower miles? AWD?

Sure, there aren't any GS models in Toyota's lineup or Corollas in Lexus's. Not sure about Acura anymore, but it used to be that the TSX was a Civic with a bigger engine. So there still is some badge engineering going on. Actually the TSX was the European-market Accord (smaller, tauter), with an Ac...
by 02nz
Mon Oct 29, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 45
Views: 4034

Re: You Invest by JP Morgan Chase

Worth mentioning here (perhaps it's why OP posted this question) that Chase is running a promotion for 60,000 Ultimate Rewards points if you have a credit card in the Freedom or Sapphire families and open (or upgrade to) Sapphire Banking. You need to bring over at least $75K. It makes no sense to pa...
by 02nz
Mon Oct 29, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 45
Views: 4034

Re: You Invest by JP Morgan Chase

Chase is notorious for offshoring customer service. I don't invest with Chase, but I have their credit cards. Really ? I have Chase cards and bank accounts, and I've always talked to US based staff when I call. Citi is much worse -- even during the daytime in the US, they offshore calls. Also my ex...
by 02nz
Mon Oct 29, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawaing SS application after FRA
Replies: 5
Views: 380

Re: Withdrawaing SS application after FRA

Here's the relevant section of the U.S. Code of Federal Regulations. See subsection b for withdrawals of applications for benefits for which the Service has already made a determination. I certainly don't see a provision stating that such an application may not be filed subsequent to reaching FRA. ...
by 02nz
Mon Oct 29, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawaing SS application after FRA
Replies: 5
Views: 380

Re: Withdrawaing SS application after FRA

Thanks. We knew about the 12-month restriction but he's well within it. It does seem like the rep was wrong about not being able to withdraw the application after reaching FRA, as I can find nothing about that anywhere. Maybe we'll just send in the withdrawal form and see what SSA does with it.
by 02nz
Mon Oct 29, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: What would you call this kind of cord?
Replies: 24
Views: 1533

Re: What would you call this kind of cord?

I think this is most commonly referred to as an IEC power cord, e.g.: https://www.amazon.com/Foot-Power-Cord- ... B0002ZPHAQ. You could also specify it's the kind typically used for monitors and laser printers (inkjet printers typically use a figure-8 cord).
by 02nz
Mon Oct 29, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawaing SS application after FRA
Replies: 5
Views: 380

Withdrawaing SS application after FRA

Short version: It is possible to withdraw the Social Security application (and pay back benefits already received) after one has reached FRA? My dad applied for and started receiving SS benefits upon reaching FRA (66) earlier this year. However, somewhat unexpectedly he then took a fairly high-payin...
by 02nz
Thu Oct 25, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Car lease is up: buy it or get a new lease?
Replies: 46
Views: 3852

Re: Car lease is up: buy it or get a new lease?

Have you thought about leasing a PHEV/EV? I was looking at the Civic and other vehicles in the class, and then did the math on a Chevy Volt. I think it's likely to be about the same or cheaper as keeping the '16, and definitely way cheaper than leasing just about any other car. $8500 one-pay lease f...
by 02nz
Wed Oct 24, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard
Replies: 24
Views: 2035

Re: TSP and Vanguard

I would recommend against the Roth inside the TSP, even if a Roth IRA makes sense for you. It's more hassle than it's worth. You'll have a traditional balance regardless (the employer match is always traditional), so the Roth balance is a second pot to keep track of. Currently any withdrawals are pr...
by 02nz
Mon Oct 22, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5069

Re: 2019 Expenses > 2019 Income – Help us close the gap

I second the suggestion for going down to one car, at least while your wife stays at home. That ought to get you $15K or so, and reduced registration, insurance, and other expenses. When you do need a car again, take a serious look at EVs or plug-in hybrids - the incentives in CA, combined with the ...
by 02nz
Sat Oct 20, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 47
Views: 8424

Re: Lufthansa Premium Economy

I've flown LH's premium economy once (on an A330, but the seat is identical on LH's other long-haul aircraft). I wasn't too impressed. Yes it's better than economy, but the seat isn't that much wider, and it doesn't recline all that much more. Seat pitch is 38 inches (like domestic "first" on U.S. c...
by 02nz
Sat Oct 20, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4855

Re: Beer - Strong German Style Lagers

You don't want Lowenbrau anyway - the stuff sold in the U.S. is brewed in the U.S. under license, if I'm not mistaken. Not made in the U.S. but one of my favorite German-style lagers is Budvar, marketed in the U.S. as Czechvar and in most of Europe as Budweiser/Budvar. This is NOT the Anheuser-Busch...
by 02nz
Wed Oct 17, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4405

Re: Vanguard screws up rollover from TSP

I'm just glad I won't have to do this (Fed with TSP and Vanguard accounts). TSP is eliminating the only remaining complaints I had (I fund expanded to emerging markets in 19', many new withdrawal options), while still retaining their main advantaged over Vanguard (and, well, pretty much everyone el...
by 02nz
Wed Oct 17, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a benefit of investing in Traditional IRA if company provides 401K
Replies: 23
Views: 1891

Re: Is there a benefit of investing in Traditional IRA if company provides 401K

Company doesn't provide any IRA. Companies don't "provide" IRAs. They are Individual Retirement Arrangements. The answer depends on your tax situation. The main advantage of a traditional IRA contribution would be tax deductibility, but the fact that you're maxing out your 401k contributions sugges...
by 02nz
Wed Oct 17, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4405

Re: Vanguard screws up rollover from TSP

I'm just glad I won't have to do this (Fed with TSP and Vanguard accounts). TSP is eliminating the only remaining complaints I had (I fund expanded to emerging markets in 19', many new withdrawal options), while still retaining their main advantaged over Vanguard (and, well, pretty much everyone el...
by 02nz
Wed Oct 17, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4405

Re: Vanguard screws up rollover from TSP

I plan to write a letter and seek either adjustment of price back to the date that the money was received but incorrectly processed. Depending on if it is higher or lower, of course :) Well, yes! :-) The rep who called from Vanguard actually suggested I make the request, with the caveat there was n...
by 02nz
Wed Oct 17, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4405

Re: Vanguard screws up rollover from TSP

Update - Vanguard's resolution team says this will take 3-5 business days to fix. The money is still in the wrong account. Since I intended (and still intend) to immediately invest the entire amount in VFIAX, I plan to write a letter and seek either adjustment of price back to the date that the mone...
by 02nz
Mon Oct 15, 2018 10:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4405

Vanguard screws up rollover from TSP

Short version: I recently rolled over a portion of my Thrift Savings Plan to a Vanguard traditional IRA. Vanguard credited the funds to my taxable brokerage instead of to the tIRA. They're fixing the mistake now, but it's seriously dented my confidence in Vanguard. Long version: I left federal servi...
by 02nz
Fri Oct 12, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2798

Re: TV recommendation for my father

I applaud your efforts. I suspect the simpler the set up & remote the better. I extensively researched newer tv's about 3-5 yrs back. A 120/refresh rate was selected & optimum then, I'd suspect you want to research the best available today, 240, maybe? Samsung/Vizio were two of the top selections. ...
by 02nz
Thu Oct 11, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: UPDATE Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 2015

Re: Considering new Honda Pilot, other suggestions?

Mazda CX-9. Looks great and drives better than just about any other three-row SUV.
by 02nz
Tue Oct 09, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5904

Re: Subaru: Crosstrek or Outback?

+1 on the Forester - easier to park than the Outback, more space than the Crosstrek. I'd get the new '19 model, which is based on Subaru's global architecture. Early reviews say it drives a lot better than the current-gen Forester. The Crosstrek is based on the same platform, but the Outback is base...
by 02nz
Sun Oct 07, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6353

Re: Best deals to buy iphones

We pay via autopay, $60 for 2 lines unlimited data, no throttling on TMobile 55+. It’s cheaper and better than the plan we were on before where we paid more for 4 lines and less unthrottled data. I have a line with D as 2nd user on it and H has one with S as his 2nd user. I have not purchased a new...
by 02nz
Sun Oct 07, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Help with choices for new car
Replies: 20
Views: 1410

Re: Help with choices for new car

You don't need a new car and you don't need AWD. What you need are winter tires - tires designed to perform optimally in low temperatures and on ice and snow. Even a RWD vehicle like your IS will perform much, much better than the best AWD system with "all-season" tires. I put "all-season" in quote...
by 02nz
Sun Oct 07, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Help with choices for new car
Replies: 20
Views: 1410

Re: Help with choices for new car

You don't need a new car and you don't need AWD. What you need are winter tires - tires designed to perform optimally in low temperatures and on ice and snow. Even a RWD vehicle like your IS will perform much, much better than the best AWD system with "all-season" tires. I put "all-season" in quotes...
by 02nz
Sun Oct 07, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Level of Auto Insurance to carry
Replies: 35
Views: 1869

Re: Level of Auto Insurance to carry

My general principle is not to buy insurance on anything that won't cause me financial hardship, because in the long run you always come out behind with insurance. Would it suck if I had to replace a laptop, washing machine, or even a car? Of course, but it wouldn't ruin me financially. So I general...