Search found 62 matches

by Cubicle
Thu Nov 14, 2019 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Synchrony Bank (as credit card issuer)?
Replies: 3
Views: 214

Re: Synchrony Bank (as credit card issuer)?

Synchrony also manages the Paypal Extras MasterCard, which I have had since 2006. No major issues other than non-usa customer service. Can confirm was GE then changed... My credit limit was very low until ~3 years ago when I started asking for increases. Initially ~$2,000, now something like ~$18,00...
by Cubicle
Thu Nov 07, 2019 10:13 pm
Forum: Investing - Theory, News & General
Topic: Philadelphia Inquirer reports--Vanguard cut fees, this time on 15 S&P and Russell index-based ETFs
Replies: 13
Views: 1845

Re: Philadelphia Inquirer reports--Vanguard cut fees, this time on 15 S&P and Russell index-based ETFs

And how does that help me, exactly? As the post above yours indicates, it does not mean Vanguard has the lowest cost funds. I keep (the majority, ex. Fidelity HSA) of my money with Vanguard because I think they are crucial to everyone else lowering their fees. If everyone left Vanguard, then the ot...
by Cubicle
Thu Nov 07, 2019 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Selling to Carmax: Fix then Quote vs. Quote then Fix
Replies: 23
Views: 1900

Re: Selling to Carmax: Fix then Quote vs. Quote then Fix

I don't know about morality, but get the quote first. If they find something, then you can fix & re-quote.
by Cubicle
Thu Nov 07, 2019 10:07 pm
Forum: Personal Investments
Topic: Is a $36 fee per year worth paying on my HSA so that money can grow in the market?
Replies: 21
Views: 1749

Re: Is a $36 fee per year worth paying on my HSA so that money can grow in the market?

Pay the $36 or move to Fidelity. I wouldn't hold up $5,000 per year to save $36.
by Cubicle
Fri Nov 01, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 544
Views: 72277

Re: Flaunt Your High-Mileage Car

2002 Mitsubishi Galant. 254,000 miles. Original engine & transmission.
2004 Mazda 6 wagon, 157,000 miles. Original engine & transmission.
2001 Mazda Miata, 176,000 miles. Original engine & transmission.

My others are much less miles.
by Cubicle
Tue Oct 29, 2019 11:28 pm
Forum: Personal Consumer Issues
Topic: I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?
Replies: 52
Views: 4687

Re: I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?

The Aldi near me has lots of easy prep meal options. Salad bowls, refrigerate then microwave calzones (can't be healthy all the time), some kinds of noodle bowls, cheese/meat/cracker trays, fruit bowls, veggie bowls, etc... I'd stock up on the weekend & take them to work. The salad bowls are ~$2.89 ...
by Cubicle
Tue Oct 29, 2019 11:17 pm
Forum: Personal Consumer Issues
Topic: Low water pressure/flow in house
Replies: 52
Views: 2720

Re: Low water pressure/flow in house

Also chiming in that it sounds more like a restricted flow problem than a pressure problem. A small drip can build to 60psi given enough pressure from the city & enough time. Ask neighbors as well. Also, do check the shower heads. They might have that flow restrictor thingy in them. Might help if yo...
by Cubicle
Tue Oct 29, 2019 11:07 pm
Forum: Personal Investments
Topic: Frontload IRA, then pay off loan or tackle both in parallel?
Replies: 10
Views: 544

Re: Frontload IRA, then pay off loan or tackle both in parallel?

I'm 90 stock/10 bond. I'm 26, single, no kids so I have an aggressive allocation. If I'm only doing minimum payments to my student loan, it will be paid off in 2025. So you wouldn't recommend paying more than the minimum on the loan? Once I front-load my IRA, where should I put the extra money? Per...
by Cubicle
Sun Oct 27, 2019 9:04 pm
Forum: Investing - Theory, News & General
Topic: ETFs / Investment strategies for 5G
Replies: 10
Views: 631

Re: ETFs / Investment strategies for 5G

stan1 wrote:
Sun Oct 27, 2019 8:59 pm
5G has been planned for a long time.
I think the boat may have already sailed as quoted. This also sounds like sector & timing. If you had an itch to gamble with play money, a sector ETF in technology would be my guess. VGT (though not advocated).
by Cubicle
Sun Oct 27, 2019 8:59 pm
Forum: Personal Investments
Topic: Frontload IRA, then pay off loan or tackle both in parallel?
Replies: 10
Views: 544

Re: Frontload IRA, then pay off loan or tackle both in parallel?

Depending on your bond/stock allocation, I think your investment returns, most likely, & given "enough" time, will be higher 3.8% annualized. How much longer, presuming minimum payments, do you have left on the student loans? My perkins loan from school is sitting at 5%, ~4 years left. I could pay i...
by Cubicle
Sun Oct 27, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Please advise re wiping laptop SSD before gifting
Replies: 25
Views: 2213

Re: Please advise re wiping laptop SSD before gifting

jackrabbit wrote:
Sun Oct 27, 2019 7:40 pm
Set the old disk aside unchanged as a fallback option, or move it to an external enclosure and use it yourself.
Came here to say this. New hdd in the laptop, install Windows on it, you keep & use the old drive.
by Cubicle
Thu Oct 24, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: Where do you buy eyeglass frames online?
Replies: 16
Views: 1311

Re: Where do you buy eyeglass frames online?

I luck out because the cheapest frames & lenses at Zenni cost $12 shipped to my door & I am happy with them. I get no options, have a strong prescription but am okay with thick lenses. I'm pretty hard on my accessories (watch, glasses, etc...) so I buy multiple copies of the cheapest option, & end u...
by Cubicle
Thu Oct 24, 2019 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you shop for better insurance rates? (auto, life, home)
Replies: 24
Views: 1655

Re: How often do you shop for better insurance rates? (auto, life, home)

Every 2 years. I'm overdue for auto, but on time for home. I usually end up flipping between geico & progressive, as those are the cheapest every round of quotes.
by Cubicle
Thu Oct 24, 2019 10:14 pm
Forum: Personal Investments
Topic: Benefits of Flagship Status at Vanguard?
Replies: 65
Views: 7474

Re: Benefits of Flagship Status at Vanguard?

I'm dreaming of the day I get to Flagship status. Being a Voyager Select is getting boring... Although through Twitter I got a mug & tiny notebook from them. I do have 2 Vanguard caps that I purchased myself.

Flagship Select? Well golly that's quite dream...
by Cubicle
Thu Oct 24, 2019 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can I open and contribute to a IRA while receiving financial aid and government assistance.
Replies: 31
Views: 1982

Re: Can I open and contribute to a IRA while receiving financial aid and government assistance.

He has a will and he included ne in a few of his pensions and life insurance. My grandfather most likely will leave my aunt in charge of his will and any cash that would be at his residence would inevitably go "missing". I would like to ask for a copy of his will to have because I'm not sure if it'...
by Cubicle
Wed Oct 23, 2019 11:31 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast transcripts are becoming available
Replies: 9
Views: 993

Re: "Bogleheads on Investing" podcast transcripts are becoming available

Thank you! I can read much faster than listen. This will be great.
by Cubicle
Wed Oct 23, 2019 11:28 pm
Forum: Personal Consumer Issues
Topic: 1st Time Homebuyer - Need Radon Contingency?
Replies: 11
Views: 1077

Re: 1st Time Homebuyer - Need Radon Contingency?

Escrow the funds for a entirely new mitigation system. If their work fails, you can get your own installed. They really shouldn't object as they would most likely get their money back.
by Cubicle
Wed Oct 23, 2019 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can I open and contribute to a IRA while receiving financial aid and government assistance.
Replies: 31
Views: 1982

Re: Can I open and contribute to a IRA while receiving financial aid and government assistance.

Welcome to the board. I don't know about your specific question, but what about your grandfather opening a savings account in your daughter's name, with him as the custodian? That may help your situation. Then when you wouldn't have to worry, you can move that money into your retirement account (wit...
by Cubicle
Wed Oct 23, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: How to Know if an Old House is Reasonably Beyond Repair
Replies: 30
Views: 2407

Re: How to Know if an Old House is Reasonably Beyond Repair

Also, I forgot to say: if it’s a small lot, old houses can be grandfathered in for how close to lot lines. New builds will not. The most important point. I renovated my house. I was "gently" told by a employee of the town don't make any changes to the exterior structure as you "may" run into setbac...
by Cubicle
Tue Oct 22, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: Gas cap door on a 1995 Chevrolet cavalier has a problem
Replies: 24
Views: 1256

Re: Gas cap door on a 1995 Chevrolet cavalier has a problem

Replacement door. These are usually easy fixes. eBay or a junkyard.

Or remove the door & get a locking gas cap.
by Cubicle
Tue Oct 22, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Dodge Grand Caravan 45k Miles and broken transmission, Advice for a Car Noob
Replies: 13
Views: 1090

Re: Dodge Grand Caravan 45k Miles and broken transmission, Advice for a Car Noob

A 14 bought before Oct of 14 is now out of warranty, for those wondering. It's 5 years, 60k miles, whichever comes first. I've heard some people have luck with contacting corporate in cases like this. Not sure who exactly you called. We had a 1996 Chrysler minivan. 3 transmissions before we got rid...
by Cubicle
Tue Oct 22, 2019 5:53 am
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads think about House Hacking?
Replies: 51
Views: 6040

Re: What do Bogleheads think about House Hacking?

I can see how it may be financially attractive. But I value my privacy, peace, & quiet far more than what I'd take in rent wise. I've been told many times I should do it.
by Cubicle
Mon Oct 21, 2019 11:39 pm
Forum: Personal Consumer Issues
Topic: Car cover for vehicle parked outside during winter
Replies: 19
Views: 1927

Re: Car cover for vehicle parked outside during winter

So you have 6 total cars. That's a lot of cars. Yep. Cars are my hobby. -------------------- Consider rebuilding your garage. If you can increase the footprint, do that. Make it high enough where you can put in a couple 4 post lifts. You can store cars above and below. ... I use it for mainly maint...
by Cubicle
Mon Oct 21, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: Roof not installed properly
Replies: 21
Views: 2369

Re: Roof not installed properly

I'd consider "asking" the town/state if they could send someone to evaluate your roof. Or at least look at your reports & give you any guidance on "if its up to code". If they are nice, they may take your side & make a phone call to your original roofer. That would certainly get their attention. I d...
by Cubicle
Mon Oct 21, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Need help deciding on a new appliance
Replies: 14
Views: 767

Re: Need help deciding on a new appliance

I think... because I became curious, a HOB is a "cooktop" that is "integrated" into the counter. They really do look great.

https://www.google.com/search?q=hob+kitchen

https://learn.compactappliance.com/cooktop-vs-range/
by Cubicle
Sun Oct 20, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Email Compromised On The Dark Web
Replies: 20
Views: 3599

Re: Email Compromised On The Dark Web

I've dealt with "compromises" in the past. I would change my passwords if I were you. Add 2 factor where you can. And for the important stuff (banks, investments), turn on any/all notifications pertaining to activity.
by Cubicle
Sun Oct 20, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Car cover for vehicle parked outside during winter
Replies: 19
Views: 1927

Re: Car cover for vehicle parked outside during winter

if you have two beater cars to sacrifice why don't you park those outside and park these cars inside over the winter. My 2 "nice" cars are in the garages. My "old" cars (1979 & 1981) are outside due lack of more garage space. My "beaters" are always outside, & those are the only ones I'll drive thr...
by Cubicle
Sun Oct 20, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Car cover for vehicle parked outside during winter
Replies: 19
Views: 1927

Re: Car cover for vehicle parked outside during winter

It's an eyesore and no way would anyone who lives with an HOA be allowed to put that in one's driveway. Even without an HOA issue, I'm sure you'd annoy one's neighbor in many housing areas. :) However, do post an update post winter/spring how it held up, hope it goes well. Good point. My short modi...
by Cubicle
Sun Oct 20, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Car cover for vehicle parked outside during winter
Replies: 19
Views: 1927

Re: Car cover for vehicle parked outside during winter

Update for anyone in the future with a similar situation. I think I solved my problem. I was going to purchase a portable garage. https://www.harborfreight.com/10-ft-x-17-ft-portable-garage-62860.html I have a Shelter Logic portable garage from years ago, but the tarp is beat up (holes & tears). I w...
by Cubicle
Fri Oct 18, 2019 10:56 pm
Forum: Personal Consumer Issues
Topic: One thing to check when buying a used car privately [wheel locks]
Replies: 20
Views: 2281

Re: One thing to check when buying a used car privately [wheel locks]

Not worth it, & only causes trouble for the actual owner. I remove them from every vehicle I & family members own. I had a shop break the key. It got awkward after that...
by Cubicle
Fri Oct 18, 2019 10:50 pm
Forum: Personal Consumer Issues
Topic: Are Really Large Battery Brands Fungible?
Replies: 29
Views: 3307

Re: Are Really Large Battery Brands Fungible?

My basement gets wet with heavy rain. I have my main pump, then rigged a water powered pump in as well. My suggestion for OP is different... Get a portable generator. I have one of these: https://www.harborfreight.com/900-Watt-Max-Starting-2-Cycle-Gas-Powered-Generator-EPACARB-63025.html I specifica...
by Cubicle
Fri Oct 18, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: I bought a STOLEN vehicle!!!
Replies: 106
Views: 15182

Re: I bought a STOLEN vehicle!!!

I've been involved with at least 10 used car purchases in the past 10 years. I have never encountered or even heard of a "cloned vin" scam like this. Sorry for your troubles OP. Most cars also have the vin etched on the engine block. But its not a consistent location. I have never thought to check t...
by Cubicle
Thu Oct 17, 2019 12:23 am
Forum: Personal Consumer Issues
Topic: Doctors charging for things outside of insurance, is this Kosher?
Replies: 55
Views: 5543

Re: Doctors charging for things outside of insurance, is this Kosher?

The only things I'd add is, yes, the doctor is under contract to provide the procedure at a specified dollar amount. But if the doctor was not going to keep his/her schedule clear, & it was determined you needed the procedure that day, he may say, "okay, I'm busy now, next week I think I'm free". Th...
by Cubicle
Wed Oct 16, 2019 11:59 pm
Forum: Personal Consumer Issues
Topic: Car cover for vehicle parked outside during winter
Replies: 19
Views: 1927

Re: Car cover for vehicle parked outside during winter

Thanks for all the input. I mentioned tarp over the cover to prevent the cover from getting wet at all. Just a screw ball idea. I will be looking into the car covers mentioned. And contemplating putting up 2 pop-up garages with extra stakes in the ground. The cars have sentimental value. I'm weird l...
by Cubicle
Tue Oct 15, 2019 9:21 pm
Forum: Personal Consumer Issues
Topic: Car cover for vehicle parked outside during winter
Replies: 19
Views: 1927

Car cover for vehicle parked outside during winter

I have 2 "older" cars that I don't have garage space for. I don't drive them in winter due to road salt & having 2 "beater" cars to sacrifice. I wanted to put up one/two car port(s) before this winter (in central NJ), but my town requires multiple permits & inspections. And its quite possible I can'...
by Cubicle
Tue Oct 15, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: I thought Pyrex glass food storage containers were supposed to be durable?
Replies: 35
Views: 3808

Re: I thought Pyrex glass food storage containers were supposed to be durable?

10 years ago, I had a Pyrex measuring cup explode when placing it on a granite counter from the cupboard. 15 years ago, I had a Pyrex glass casserole explode after baking in a 350 oven and placing on a granite countertop. Tiny shards of glass everywhere. Thankfully , I wear eyeglasses and clothing....
by Cubicle
Tue Oct 15, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on cellular annually?
Replies: 59
Views: 4124

Re: How much do you spend on cellular annually?

Tmobile 55+ plan (mother & I, father & brother), $30 per line including taxes & fees. $360 per person per year. Unlimited everything. Their current plan is supposedly not as good, but still seems competitive.
by Cubicle
Tue Oct 15, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Commuting dilemma
Replies: 34
Views: 2639

Re: Commuting dilemma

Dutifully maintain the Lexus until "the wheels fall off". The next car can be cheaper per mile. I wouldn't go into debt on another car now unless you had a very inefficient vehicle to begin with.
by Cubicle
Tue Oct 15, 2019 8:36 pm
Forum: Investing - Theory, News & General
Topic: Bank of America declares 'the end of the 60-40' standard portfolio
Replies: 88
Views: 15127

Re: Bank of America declares 'the end of the 60-40' standard portfolio

Shilling by BofA. My father banks there (from the days of Fleet bank, & prior to that, NatWest). I generally dislike them. High fees, pushy products. Despite their relevance, I don't consider them relevant in terms of a Boglehead.
by Cubicle
Mon Oct 14, 2019 11:06 pm
Forum: Personal Consumer Issues
Topic: Doctors charging for things outside of insurance, is this Kosher?
Replies: 55
Views: 5543

Re: Doctors charging for things outside of insurance, is this Kosher?

The difference is I’m out the $275 regardless of whether or not I have the procedure. I'm thrifty by nature (cheap is a better word), but I do see the doctor's point of view. You probably could find another doctor who wouldn't charge you. But if this doctor is good, sometimes you have to shell out ...
by Cubicle
Mon Oct 14, 2019 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sign authorization to settle lawsuit prior to mediation/trial
Replies: 21
Views: 2602

Re: Should I sign authorization to settle lawsuit prior to mediation/trial

I would not sign. I'm not casting doubt on your lawyer, but my initial impression, after reading your post, is that he/she wants to ensure they get something out of their time & effort. Or tell your lawyer "I'll sign the authorization to settle if you change the number to (what amount makes you comf...
by Cubicle
Sat Oct 12, 2019 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Offered 18-Month, 0% interest loan w/2% fee. Should I take the loan and invest or pass on the offer?
Replies: 72
Views: 5237

Re: Offered 18-Month, 0% interest loan w/2% fee. Should I take the loan and invest or pass on the offer?

If I took the loan (still undecided), I would not invest it in equities. Risk of a market downturn & incomplete recovery with 18 months too high for me. It it was a longer term loan, I'd be less against it.

Paying off any higher interest debt would be my only destinations for the money.
by Cubicle
Sat Oct 12, 2019 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Who has or Plans to Sign up for an IRS IP PIN
Replies: 14
Views: 1583

Re: Who has or Plans to Sign up for an IRS IP PIN

I'm in NJ & would like a IP PIN. But I just tried to sign up via the IRS website & told me I'm not eligible. I guess I need to wait until 2020?
by Cubicle
Fri Oct 11, 2019 11:20 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 5935

Re: Replace water heater just because it's old?

OP, where is your tank located? Mine is in an unfinished basement. I will wait until it implodes. And I will do it myself. Old tanks are built significantly better than new ones. If I had anything of value within damage distance, I'd change it proactively. Not winter weather, scheduled ahead of time...
by Cubicle
Thu Oct 10, 2019 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: IRS CP2000 notice -- hard lesson (missing cost basis)
Replies: 35
Views: 3126

Re: IRS CP2000 notice -- hard lesson (missing cost basis)

Yep. In absence of any records (or Best Effort Calculation), the cost basis is zero. I don't know about OP's stock value or tax bracket, so I don't know how the IRS came up with $23,000.

Also found this:
viewtopic.php?t=14286
by Cubicle
Thu Oct 10, 2019 11:20 pm
Forum: Personal Consumer Issues
Topic: UPS lost my package worth $730 -- what do I do?
Replies: 20
Views: 3110

Re: UPS lost my package worth $730 -- what do I do?

If you used a credit card for a PayPal purchase, you have a choice - you can initiate a chargeback through your credit card company or you can initiate a dispute through PayPal’s Resolution Center. ... Not sure if there is an advantage to one or the other. I don't remember where, but I read years a...
by Cubicle
Wed Oct 09, 2019 11:28 pm
Forum: Personal Consumer Issues
Topic: How do I know if I really need a french drain in my basement or if The companies are just trying to make a sale?
Replies: 10
Views: 1770

Re: How do I know if I really need a french drain in my basement or if The companies are just trying to make a sale?

What's prompting your getting quotes for a French Drain? That will determine everything else. For my & my parent's houses, both in "watery" areas which have flooded before, we both have French Drains & sump pumps (with backups). Both our houses will have water flowing into the sump pits during rain ...
by Cubicle
Wed Oct 09, 2019 11:16 pm
Forum: Investing - Theory, News & General
Topic: Take Control of Your Financial Future With These 4 New Rules"
Replies: 7
Views: 2147

Re: Take Control of Your Financial Future With These 4 New Rules"

"New Rule No. 2: A penny saved isn't a penny earned — It's more."
This, so many times over. Similar but different, I say to people "a dollar saved is $1.41 earned". After the puzzled look I start rambling about taxes.

Thanks to Larry for excellent summary & article link.
by Cubicle
Wed Oct 09, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: Concerned I may have somehow gotten scammed on Craigslist (as a seller)...
Replies: 28
Views: 4078

Re: Concerned I may have somehow gotten scammed on Craigslist (as a seller)...

I've had people show up to purchase with money orders & bank checks. "I didn't have time to go to the ATM." "Oh but you had time to get this money order / bank check right? No sale, go home"." So make sure its cash. And not counterfeit. Also will chime in about the high rates of "no shows". Its just...
by Cubicle
Wed Oct 09, 2019 11:07 pm
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8067

Re: My mechanic just wrecked my car - advice?

The only thing I'd go out of my way to do would be get a 2nd opinion, right after its fixed, about the structural & mechanical integrity of the car. Frame, engine/transmission mounts, hoses/lines, etc... So there is a correctable problem, its noted & done now. Not after a few months & when there cou...