Search found 25 matches

by edgeway
Thu Jun 04, 2020 2:22 pm
Forum: Personal Consumer Issues
Topic: Picking a VPN -- 2019
Replies: 29
Views: 4683

Re: Picking a VPN -- 2019

That depends entirely on how your employer configures your VPN. At work I use two VPNs -- one does "split tunneling" where non-work traffic goes directly to the internet; the other is 100% routed through my employer's network. It's possible to tell whether split routing is enable on your machine, b...
by edgeway
Wed Jan 15, 2020 11:21 am
Forum: Investing - Theory, News & General
Topic: Personal Capital / Investment Tools
Replies: 29
Views: 2092

Re: Personal Capital / Investment Tools

I loved PC tools but they would call me non-stop to setup my free appt with their financial advisor. Even after asking them several times to take me off their list, I still had rude persistent agents asking me to setup and appointment and leaving voicemails. I eventually got sick of it and deleted ...
by edgeway
Wed Jan 08, 2020 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 469
Views: 41751

Re: JPM Chase Reserve Card gets more expensive

The $300 travel credit is separate from the other benefits. After you spend an amount on travel, Chase will credit you that amount up to a $300 yearly maximum. I cancelled this card last year due to the lower rewards return than my BoA combo. People are reducing the AF by the amounts of these credi...
by edgeway
Thu Dec 05, 2019 1:24 pm
Forum: Personal Investments
Topic: Would you refi this 30yr mortgage with a 10/1 ARM?
Replies: 32
Views: 1559

Re: Would you refi this 30yr mortgage with a 10/1 ARM?

The ARM is an obvious YES. Calculate the amount of interest saved over 10 years and then decide if that's how much you want to pay for insurance that rates don't go higher. Then also calculate the break-even point where the ARM starts to lose money (my suspicion is it would take many years even if t...
by edgeway
Thu Dec 05, 2019 1:05 pm
Forum: Personal Investments
Topic: Would you refi this 30yr mortgage with a 10/1 ARM?
Replies: 32
Views: 1559

Re: Would you refi this 30yr mortgage with a 10/1 ARM?

When you say "no cost" does that means there are no closing costs at all? In other words, there is no future break-even point?
by edgeway
Tue Oct 29, 2019 9:50 am
Forum: Personal Investments
Topic: [Employer Retirement Plan Change]
Replies: 49
Views: 4977

Re: No more Vanguard... wow

Amazon is moving from Vanguard to Fidelity as well beginning in 2020. And Amazon has 750,000+ employees (not sure how many are in the US though) ...
by edgeway
Tue Oct 15, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Why are Mazda CX-5’s sales so much less than other brands?
Replies: 69
Views: 8803

Re: Why are Mazda CX-5’s sales so much less than other brands?

I've had 2 different mazdas and both had the most insanely low maintenance costs of any car I've ever owned. I recently traded in a CX-5 that I really, really loved (no complaints), and whenever I took it in for regularly scheduled maintenance, it cost me around $30 total for an oil change, tire rot...
by edgeway
Thu Oct 03, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Mortgage rates what would you choose
Replies: 23
Views: 2067

Re: Mortgage rates what would you choose

Got today's rate update from our banker. 30-Year Fixed-Rate Jumbo 3.625% (+ $2125 closing credits.) 7/1 ARM Jumbo 2.75% (+ $1400 closing credits.) 10/1 ARM Jumbo 2.875% A solid .125 rate drop in 2 days with credits! I am thinking of locking today and still leaning 10/1 (or) 30 year fixed. Any advic...
by edgeway
Thu Oct 03, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: Mortgage rates what would you choose
Replies: 23
Views: 2067

Re: Mortgage rates what would you choose

Got today's rate update from our banker. 30-Year Fixed-Rate Jumbo 3.625% (+ $2125 closing credits.) 7/1 ARM Jumbo 2.75% (+ $1400 closing credits.) 10/1 ARM Jumbo 2.875% A solid .125 rate drop in 2 days with credits! I am thinking of locking today and still leaning 10/1 (or) 30 year fixed. Any advic...
by edgeway
Sun Aug 18, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Least expensive place to mass register domains, decide which I want to keep, then transfer
Replies: 24
Views: 2918

Re: Least expensive place to mass register domains, decide which I want to keep, then transfer

Name cheap is good. Check out Porkbun.com as well. I think it’s the cheapest out there and they have a very nice UI.
by edgeway
Tue Jul 30, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5614

Re: Capital One data breach

Nice, real nice. The criminals are working for Amazon - talk about being a "double agent". :oops: Can we hold Amazon accountable? Suggest you read the WSJ first or again. Just read it - the fact that the person is a former employee does not absolve Amazon from partial culpability. They are responsi...
by edgeway
Wed Jul 10, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Mediate or Arbitrate?
Replies: 13
Views: 1842

Re: Mediate or Arbitrate?

Why did your lawyer suggest you request the mediation? Does he/she think your case is weak? If the insurance company's lawyers have stepped in, who would you be mediating with on the other side?
by edgeway
Sun May 12, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited ranch
Replies: 97
Views: 8649

Re: Inherited ranch

I wouldn't do a 20 year no interest loan to family. You are already extending a gift to them in the way of a below market price. As has been pointed out, there are other complications with trusting them to make regular payments. Furthermore, the IRS might view the 0% rate as a taxable gift (?). Too...
by edgeway
Thu May 09, 2019 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Disability: Fibromyalgia
Replies: 31
Views: 3931

Re: Social Security Disability: Fibromyalgia

Thanks very much to those that have replied so far. Very Helpful. I kind of knew this would not be easy with a condition like fibromyalgia. There is no specific medical test or marker to establish the diagnosis. It is, to some extent, a diagnosis by exclusion. Van You're quite right. I have a frien...
by edgeway
Tue May 07, 2019 9:45 am
Forum: Personal Investments
Topic: Voya financial - Why would anyone use them?
Replies: 40
Views: 5241

Re: Voya financial - WHY WOULD ANYONE USE THEM?

My wife's local government employer uses Voya and they offer some fantastic index funds with very low fees. They also offer access to TRP Cap Appreciation (a pretty fantastic actively managed fund on par with Wellington). But like others have already pointed out here, Voya isn't to blame or to be gi...
by edgeway
Wed Mar 06, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL
Replies: 69
Views: 6792

Re: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL

Mazda hands down. Just did my 20,000 mile maintenance which came to grand total of $33 for the oil change, tire rotation, standard inspections, and various fluid top-offs. Mazda's maintenance is super cheap and negligible.
by edgeway
Wed Mar 06, 2019 3:22 pm
Forum: Personal Investments
Topic: Best Account for 2 Million from Sale of my Business
Replies: 63
Views: 3785

Re: Best Account for 2 Million from Sale of my Business

Park it in a money market fund and take your time. Don't succumb to the feeling to "do something" with it until you've had the chance to properly assess. If that takes months, that's okay in my opinion.
by edgeway
Thu Feb 21, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do tax accountants add any value?
Replies: 50
Views: 3932

Re: Do tax accountants add any value?

Reasons I use a tax accountant: (1) my taxes are complicated and I'd rather not worry about getting them right, (2) my time is valuable to me and I'd have to dedicate too much of that valuable time to making sure I got my complicated taxes right, and (3) there are some other benefits like being less...
by edgeway
Thu Feb 07, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Pure Insurance vs. Chubb, $1,000 Savings
Replies: 9
Views: 2460

Re: Pure Insurance vs. Chubb, $1,000 Savings

I have been with PURE for about 5 years now. I have not had to file any claims so I can’t speak to how “good” they are or how easy they are to file claims. I’ve only heard good things though. I believe PURE was started by people formerly at chubb. They are known for undercutting Chubb on price in an...
by edgeway
Sat Dec 08, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7899

Re: "The 10 Worst Places To Get Investing Advice"

11. An insider at the company that you are planning to invest in. 12. The water cooler. 13. Your neighbors. 14. Anyone who tells you that you need to act right now. 15. The person who comes to your door out of the blue and introduces him/herself to you as a financial advisor who just opened an offi...
by edgeway
Sat Dec 08, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 44
Views: 3876

Re: Spotify or Amazon Music?

Assuming you’re talking about the paid/premium subscriptions of each (I.e., an apples to apples comparison) then you can’t really go wrong with either. However, be aware that once you get used to one user interface it becomes quite hard to switch. Part of that is also due to the fact that once you s...
by edgeway
Sat Dec 08, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: We Are Teetering on the Edge of A DEATH CROSS
Replies: 50
Views: 9273

Re: We Are Teetering on the Edge of A DEATH CROSS

Before you laugh off things like the rate curve inversion and major index death cross, you probably should educate yourself as to what they mean, because these are things a lot of investors take very seriously and because they do, they have an impact on the market. There are some silly indicators l...
by edgeway
Fri Dec 07, 2018 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA Issues
Replies: 5
Views: 533

Re: Dependent Care FSA Issues

There are quirks about the DCFSA and you might have to figure out how to game it a little bit. I faced a similar issue as you. I was told by HR that I earned too much to qualify for any of the $5,000 for DCFSA. My wife earns significantly less though and so she signed up through her employer and we’...
by edgeway
Thu Dec 06, 2018 6:36 pm
Forum: Personal Investments
Topic: How to get an asset based mortgage
Replies: 9
Views: 2579

Re: How to get an asset based mortgage

It sounds like this recommendation may be too late but I know Interactive Brokers (and other brokerages for much higher fees) will let you borrow money using your portfolio as collateral. IB’s rates are pretty low.
by edgeway
Wed Dec 05, 2018 12:23 pm
Forum: Personal Investments
Topic: Vang Wellesley for Retirement
Replies: 45
Views: 7284

Re: Vang Wellesley for Retirement

I'm a retiree who has had a 50% Wellington / 50% Wellesley Income allocation for more than a decade. Following is a table that shows what $100,000 invested in Wellington, Wellesley Income and various Vanguard index funds on January 1, 2000 would be worth as of November 30, 2018. (Source: Portfolio ...