Search found 473 matches

by moneywise3
Wed May 27, 2020 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Can we offer special discount to thank/honor medical professionals?
Replies: 6
Views: 807

Re: Can we offer special discount to thank/honor medical professionals?

I think that would be against the fair housing laws. However, if they show up you can just sign the lease with a lower amount.
by moneywise3
Mon May 25, 2020 6:16 am
Forum: Personal Investments
Topic: Fidelity Zero Intl (FZILX) not updating
Replies: 2
Views: 361

Re: Fidelity Zero Intl (FZILX) not updating

According to this price history of FZILX your observation is correct but I don’t think it’s a sign of anything nefarious. The value is changing during the course of the three weeks but it is back where it started on 4/30. Thank you. I confirmed those 3 days happened to be exactly the same closing p...
by moneywise3
Sat May 23, 2020 9:34 am
Forum: Personal Investments
Topic: Fidelity Zero Intl (FZILX) not updating
Replies: 2
Views: 361

Fidelity Zero Intl (FZILX) not updating

I checked my account on 4/30, 5/9 and 5/23. The dollar value of my FZILX holdings is exactly the same on these 3 days (didn't track cents). It just seems odd that their price won't fluctuate at all. My other Fidelity holdings updated on these dates as expected. Can anyone offer any insight?
by moneywise3
Wed Apr 29, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: Lakeland, FLA as a retirement destination?
Replies: 8
Views: 1336

Re: Lakeland, FLA as a retirement destination?

Heavy traffic area. Look near beaches.
by moneywise3
Sun Apr 26, 2020 2:54 am
Forum: Personal Investments
Topic: Fidelity Zero Funds = Best 3 Fund Portfolio
Replies: 44
Views: 4196

Re: Fidelity Zero Funds = Best 3 Fund Portfolio

Fidelity zero index funds don't follow the same standard index. They do this to avoid paying franchise (?) fee, and keep costs low.
by moneywise3
Tue Apr 21, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Exit Interview
Replies: 78
Views: 5763

Re: Exit Interview

Most of the time management has a good idea of what employees are going through. They may not say it, and may be unable to do anything to fix it. They are fulfilling their job requirements. Same with HR. Better talk it out with your spouse or a close friend.
by moneywise3
Tue Apr 21, 2020 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Laid off!!
Replies: 71
Views: 10161

Re: Laid off!!

Thank you all for the responses. I've been reading and re-reading them - even taking notes and action items out of these. Blessed to be part of this group.
by moneywise3
Sun Apr 19, 2020 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: How to negotiate severance if laid off?
Replies: 75
Views: 6081

Re: How to negotiate severance if laid off?

Good topic, following...
by moneywise3
Sun Apr 19, 2020 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off!!
Replies: 71
Views: 10161

Laid off!!

I was laid off on Fri along with a group of colleagues by our newly hired CEO. A bunch of us - across different sites and disciplines - were asked to call in a number on a short notice. The call was a monologue by the CEO that if you’re on this call, your job is being terminated as of today. You’ll ...
by moneywise3
Fri Apr 10, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: How do you maximize enjoyment after achieving FI?
Replies: 161
Views: 8467

Re: How do you maximize enjoyment after achieving FI?

What's your purpose in life? Ponder why you think you took birth on this planet. The answer to your question is in there.
by moneywise3
Sun Mar 15, 2020 2:12 am
Forum: Personal Investments
Topic: what ETFs are you buying
Replies: 6
Views: 417

Re: what is the good price to buy these ETFs

Wrong forum to ask this question
by moneywise3
Sat Mar 14, 2020 12:27 pm
Forum: Investing - Theory, News & General
Topic: Are stocks on sale?
Replies: 88
Views: 4475

Re: Are stocks on sale?

The market is valuing them lower than it did a month ago :)
If you value them higher, then you can buy :)
by moneywise3
Sat Mar 14, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: Fly or Drive to FL?
Replies: 52
Views: 3505

Re: Fly or Drive to FL?

If you want to include cities along the way to enrich your vacation, then drive.
Else fly.
by moneywise3
Wed Mar 11, 2020 9:10 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296766

Re: Coronavirus and the market

No clue where the economy and the stock market is going to go.
However, I do pray for speedy recovery of everyone affected, and for the whole menace go away soon.
by moneywise3
Wed Mar 11, 2020 9:05 pm
Forum: Investing - Theory, News & General
Topic: The end of cruise ships [cruise line stock prices]
Replies: 246
Views: 26083

Re: The end of cruise ships

The current crisis with cruises shall pass.
I wouldn't buy any particular sector, and stick to the IPS.
by moneywise3
Tue Mar 10, 2020 8:19 pm
Forum: Investing - Theory, News & General
Topic: Are we going to have a full blown recession?
Replies: 28
Views: 4432

Re: Are we going to have a full blown recession?

It might destroy China's might as a superpower, and will give an opportunity to countries like Germany, India or Australia to be the next superpower as a soft ally to US.
by moneywise3
Tue Mar 10, 2020 11:19 am
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97039

Re: Well, I am market timing due to coronavirus... Wish me luck.

I'm market timing too, but just with <5% of my investments.
by moneywise3
Sat Feb 15, 2020 11:50 am
Forum: Personal Investments
Topic: Horrible Experience with Vanguard [Login account security]
Replies: 163
Views: 10927

Re: Horrible Experience with Vanguard

It's a reasonable security mechanism they have in place. What's horrible here?
by moneywise3
Fri Feb 07, 2020 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Which Tax Software
Replies: 23
Views: 2408

Re: Which Tax Software

CreditKarma tax. I used to use TaxAct but their price jumped from free to $30 or so. I am sure CreditKarma will do that same once they get a large following. I found CK tax to be missing moving expenses 3903. I filled the information in their Q&A, but it did not prepare a 3903 for me - no explanati...
by moneywise3
Thu Jan 30, 2020 8:38 pm
Forum: Personal Consumer Issues
Topic: Early retirement - Long term "successes"
Replies: 75
Views: 7278

Re: Early retirement - Long term "successes"

flyingaway wrote:
Wed Jan 29, 2020 7:36 pm
It is easier to have rich parents and was retired at birth.
:D :D :D
by moneywise3
Sun Jan 19, 2020 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Why retire?
Replies: 267
Views: 16858

Re: Why retire?

You just transition to doing different things - it is impossible for any human being to stop doing things altogether.
by moneywise3
Wed Jan 01, 2020 11:43 am
Forum: Non-US Investing
Topic: Happy new year
Replies: 1
Views: 169

Happy new year

Wishing all Bogleheads a very happy and healthy new year.
It's been an honor to be part of this community, and I have benefited tremendously over the years!
by moneywise3
Mon Dec 09, 2019 4:41 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 421
Views: 30757

Re: Retirement Friendly States

Pennsylvania does not tax retirement income
by moneywise3
Fri Dec 06, 2019 8:31 pm
Forum: Personal Investments
Topic: Markets high - good or bad day to invest?
Replies: 19
Views: 1363

Re: Markets high - good or bad day to invest?

Looks like the issue is you need someone to talk to and socialize... 😀😁
by moneywise3
Sat Nov 23, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in farmland
Replies: 14
Views: 1999

Re: Investing in farmland

Thanks for the replies
by moneywise3
Fri Nov 22, 2019 3:42 pm
Forum: Investing - Theory, News & General
Topic: Index Funds in Jack Ryan show
Replies: 9
Views: 2250

Re: Index Funds in Jack Ryan show

That's yet another endorsement of index funds
by moneywise3
Fri Nov 22, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in farmland
Replies: 14
Views: 1999

Investing in farmland

I recently ran into Acretrader.com that incited my interest in farmland. I know very little but want to learn more about this. This is how they claim they work: * Each farm and its legal title are placed into a unique entity (usually an LLC). * You purchase shares in the entity that owns a farm. * A...
by moneywise3
Wed Nov 20, 2019 10:51 am
Forum: Investing - Theory, News & General
Topic: Warren Buffet says NOT to diversify?
Replies: 37
Views: 5279

Re: Warren Buffet says NOT to diversify?

thelateinvestor43 wrote:
Tue Nov 19, 2019 5:42 pm
all that diversification shows is that the investor really doesn't know what he or she is doing and is basically ignorant
Yes, that's the type of investor I am and intend to stay that way :)
by moneywise3
Mon Nov 04, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Any danger in having all my retirement in Vanguard?
Replies: 17
Views: 1625

Re: Any danger in having all my retirement in Vanguard?

For no specific reasons, I would never put all my investments with one custodian. Am glad all my jobs have had different custodians like Fidelity, TRP, Merrill Lynch... So my Roth's and taxable are with Vanguard. Very grateful that it turned out that way for me.
by moneywise3
Mon Oct 21, 2019 9:09 pm
Forum: Investing - Theory, News & General
Topic: Isn't lack of transparency in China a huge risk for international stock index?
Replies: 133
Views: 14167

Re: Isn't lack of transparency in China a huge risk for international stock index?

Yes it is. Such systems come crashing down really. It's a matter of time.
by moneywise3
Mon Oct 21, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Where can I find iphone deals/discounts?
Replies: 22
Views: 2660

Re: Where can I find iphone deals/discounts?

Carriers Verizon and Sprint
by moneywise3
Sat Oct 19, 2019 10:43 pm
Forum: Investing - Theory, News & General
Topic: Help me think about Pakistani bond
Replies: 55
Views: 5488

Re: Help me think about Pakistani bond

Pakistan is on the verge of being blacklisted by FATF. 25% of its equivalent of GDP goes in interest payments. I would stay away from any investment there. Your "friend" may even be trying to con you.
by moneywise3
Tue Oct 15, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: Hyundai Tuscon or Nissan Rogue
Replies: 9
Views: 1282

Re: Hyundai Tuscon or Nissan Rogue

Thank you all for the replies
by moneywise3
Mon Oct 14, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Hyundai Tuscon or Nissan Rogue
Replies: 9
Views: 1282

Hyundai Tuscon or Nissan Rogue

We're in market for a small SUV. Looking to buy 2018 or 19 with 30k miles max. Market research says it should cost $16k-18k. What do bogleheads think about this choice? Secondly, trying to decide between a Tuscon and a Rogue. Internet reviews rate them about the same overall. Any personal experience...
by moneywise3
Sat Sep 21, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 57
Views: 10455

Re: Retirement - Living in Colorado

How about the winter and ice and snow there for a retiree?
by moneywise3
Fri Sep 20, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: 2 weeks notice or No Notice ? save 3.5K or Reputation ?
Replies: 135
Views: 11694

Re: 2 weeks notice or No Notice ? save 3.5K or Reputation ?

Definitely give a 2 weeks of working time notice. If they request longer, talk to your new employer and try to accommodate that too.
by moneywise3
Fri Aug 23, 2019 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: advice needed
Replies: 22
Views: 2537

Re: Car accident: advice needed

Whats your question?
by moneywise3
Tue Aug 20, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: HSA investing fee (PayFlex)
Replies: 28
Views: 2390

Re: HSA investing fee (PayFlex)

I worked for a big corp and they had excellent benefits. However for HSA they always picked poor custodians. Couple times I caught a data breach that they hid under the carpet. I tried to tell my HR but they refused to pay attention. I had to login to mu account with an older username AND password! ...
by moneywise3
Tue Aug 20, 2019 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity??
Replies: 72
Views: 8597

Re: Vanguard vs. Fidelity??

Fidelity - Zero expense funds
by moneywise3
Tue Aug 20, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Moving to Houston
Replies: 39
Views: 4155

Re: Moving to Houston

Katy or Sugar land. Just manage the commute.
by moneywise3
Sun Aug 18, 2019 9:22 am
Forum: Personal Investments
Topic: Don’t put new money in market right now??
Replies: 59
Views: 8063

Re: Don’t put new money in market right now??

Is he willing to put his money on his statement?
by moneywise3
Wed Jul 31, 2019 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 131
Views: 25063

Re: Do you rent even if you can afford to buy?

We currently rent after having owned 2 homes and nearly paying them off. Both times a job change made me move, so had to sell. We always rent at the new location first. When we were forced to move 3 years ago, we sold the house that fulfilled our definition of the dream home. The reason we haven't b...
by moneywise3
Tue Jul 30, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Please help with vacation locations
Replies: 45
Views: 2526

Re: Please help with vacation locations

Disney annual pass holder here for a man years... it's mostly for kids and adults that still hold a fascination for cartoon characters.
Water parks are a different story, but they are crowded as hell during summer vacation.
How about mountains of WNC and Smokey mountains?
by moneywise3
Mon Jul 29, 2019 5:17 am
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 20457

Re: Laid Off - Want to Retire / Am I OK

"doing nothing all day" is generally a transition phase. You enjoyed doing nothing all day on days off work from your current job. But when you don't have that job, "doing nothing all day" is not the same thing. Look for some volunteer work to start with, and let your internal GPS guide you.
by moneywise3
Mon Jul 29, 2019 5:13 am
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 20457

Re: Laid Off - Want to Retire / Am I OK

You could have retired at 48, or 45 if you had planned ahead of time 😆😆