Search found 720 matches

by wrongfunds
Fri Oct 20, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: It's that time of year, and I'm pregnant!
Replies: 14
Views: 3377

Re: It's that time of year, and I'm pregnant!

Also make sure to understand if there is "working spouse surcharge" :-( Our employer started adding $1500 premium to the plan if the spouse has ability to get separate insurance aka he works for a somebody who offers any kind of health insurance. We were told that our plan was designed to be competi...
by wrongfunds
Fri Oct 20, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Mercedes Benz E300 Navigation System
Replies: 33
Views: 1116

Re: Mercedes Benz E300 Navigation System

I thought E300 was very very old model or were they called 300E at that time?
by wrongfunds
Fri Oct 20, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Is the current cryptocurrency market a bubble in the making?
Replies: 10
Views: 609

Re: Is the current cryptocurrency market a bubble in the making?

It will eventually be as ubiquitous as using plastic money. Bold prediction! That you can count on except whether it will be Bitcoin or something else that I will not be able to predict. Think of the first guy who presented his Diners Club plastic to pay for his motel stay way back and the sinister...
by wrongfunds
Fri Oct 20, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: Is the current cryptocurrency market a bubble in the making?
Replies: 10
Views: 609

Re: Is the current cryptocurrency market a bubble in the making?

Nobody wants to use a non-stable currency. If the currency value keeps on dropping, I would rather not be paid in that currency. That is the obvious part. The flip side is if the currency value is rising rapidly, I am going to horde it making that currency not available for circulation. The entire r...
by wrongfunds
Fri Oct 20, 2017 8:05 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 25787

Re: Sitting on cash....Waiting for a crash

I'm in my late 30's and have at least 15-20 years until I retire. I'm considering putting any new investment money into my savings account for the next 3-5 years until I see some kind of dip in the market. I know it's market timing, but I'm tired of buying expensive stocks via my index funds. Anyon...
by wrongfunds
Fri Oct 20, 2017 7:42 am
Forum: Personal Finance (Not Investing)
Topic: [What happens if TD Ameritrade goes bankrupt?]
Replies: 6
Views: 1027

Re: [What happens if TD Ameritrade goes bankrupt?]

Is your question specific to TD America or can it be extended to Vanguard and Fidelity? Would such a question even be allowed to be asked in this forum? If not, what makes TD America so different from the Vanguard?
by wrongfunds
Fri Oct 20, 2017 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Life in AMT Hell (or, How I Learned to Keep Worrying and Hate the Exemption Phaseout)
Replies: 37
Views: 4395

Re: Life in AMT Hell (or, How I Learned to Keep Worrying and Hate the Exemption Phaseout)

But it seems like for the most part, except making more money (or earning 1099 income with its greater opportunities for tweaking), the very simplicity of the AMT makes it as certain for some us as death and, well, you know the rest. Personally, the biggest issue I have is that it is pretty much im...
by wrongfunds
Fri Oct 20, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: How secure is fingerprint ID on the Iphone and also for App ID access such as Vanguard?
Replies: 14
Views: 1258

Re: How secure is fingerprint ID on the Iphone and also for App ID access such as Vanguard?

perhaps it's better to password protect phone access then fingerprint access the Apps.
As far as I know, then the phone can not read your wet fingers, it asks you for your password. Thus password is the fallback mechanism.
by wrongfunds
Thu Oct 19, 2017 11:35 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Better To Face The Correction
Replies: 51
Views: 6179

Re: Larry Swedroe:Better To Face The Correction

If it does fall 85% over the next year, I am going to beat Warren Buffett to the front of the line - buying with whatever cash I have on me. Buy when there is blood on the streets. Really? What if it only falls 80%? Would you wait until it hits 85%? Or even better, what if it falls 10% every month....
by wrongfunds
Thu Oct 19, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Life in AMT Hell (or, How I Learned to Keep Worrying and Hate the Exemption Phaseout)
Replies: 37
Views: 4395

Re: Life in AMT Hell (or, How I Learned to Keep Worrying and Hate the Exemption Phaseout)

This is not yet another humble-brag, is it? :-) Seriously, if you find out how to avoid AMT hell, make sure you tell nobody otherwise you will quickly lose it.
by wrongfunds
Wed Oct 18, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Why so many "reversed" pictures?
Replies: 14
Views: 2310

Re: Why so many "reversed" pictures?

You see that on youtube very often. Many of the Top Gear episodes or extracts get reposed with mirror image or gets constantly changing and distracting border added to the original video. Automated tools must have difficulty in flagging them
by wrongfunds
Wed Oct 18, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Why so many "reversed" pictures?
Replies: 14
Views: 2310

Re: Why so many "reversed" pictures?

One way to get around automatic copyright infringement checking is to swap the pictures. I think that idea probably worked for a while until the software caught up with that trick.
by wrongfunds
Tue Oct 17, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3281

Re: Verizon TravelPass

Verizon is on the roll; from $2 per day to $5 per day for Mexico and Canada?? I guess they believe their customers have no choice but to pay that much for the privilege of being able to use their phone.
by wrongfunds
Fri Oct 13, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1291

Re: Voiceprint technology (for authentication)

I am talking about the case when somebody who has your Equifax hacked data calls the Fidelity and is in position to answer *all* the questions that Fidelity rep will ask him. The person has "forgotten" the password for the account and the phone connection is not the best one as he is probably callin...
by wrongfunds
Fri Oct 13, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Does IRS have equivalent of credit freeze?
Replies: 20
Views: 1423

Re: Does IRS have equivalent of credit freeze?

It would seem that the IRS could add an entry block to the tax form where they would ask you to enter your AGI (or some other value) from your previous year's tax form. That would stop a lot of fake returns immediately. This would be an inexpensive and reliable check of the validity of a return. Wh...
by wrongfunds
Fri Oct 13, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1291

Re: Voiceprint technology (for authentication)

I don't think most of you are getting it at all. It does not matter if the technology being used is voice-print or chip embedded in your cranium. The issue is what is the fallback mechanism? That fallback mechanism has hole large enough to drive truck through after Equifax hack. Nobody is talking ab...
by wrongfunds
Thu Oct 12, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: Offensive Valuations
Replies: 45
Views: 4119

Re: Offensive Valuations

Back again to warn us again, are ye? Gee, it's only been since February 21st that you posted your last warning: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=211707&p=3248691#p3248691 Do you promise to warn us when prices are undervalued and we should buy, buy, buy? Or do you only warn when...
by wrongfunds
Thu Oct 12, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4135

Re: 2 factor authentication - What if something happens to you?

RE: The so called encrypted excel file with your "life" on it. Who else has the password to decrypt it? Do you encrypt that password and save it somewhere safe? Is there another password to decrypt that password? Or is this information written down and in a sealed envelope only to be opened after de...
by wrongfunds
Thu Oct 12, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 172083

Re: Tesla S

No, it is really cut and dry as explained very simply in one of the link you provided. Give it up please, you are unnecessarily digging yourself deep. I understand it is little bit counter intuitive but there should really be no controversy about it. It is as rock solid as the earth is flat. I know ...
by wrongfunds
Wed Oct 11, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Refund from Home Closing - 13+ years later (!?)
Replies: 12
Views: 1643

Re: Refund from Home Closing - 13+ years later (!?)

If you call the attorney, make sure the clock is NOT running! Sure he will look in to it and charge you $300/hour for the research.
by wrongfunds
Wed Oct 11, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 172083

Re: Tesla S

There is no physical or mechanical reason why exceeding 1g in horizontal direction is impossible. On horizontal plane, the effect of the gravity is only on the frictional force and it is not preventing the vehicle straightline acceleration. To put it differently, assuming the vehicle has the same gr...
by wrongfunds
Mon Oct 09, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 464
Views: 42147

Re: Picking College and College Scholarships

As a father, I don't want to hear those words given the background of that quote :-)
by wrongfunds
Sun Oct 08, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: what if I forget my security questions?
Replies: 19
Views: 1362

Re: what if I forget my security questions?

Isn't the real problem being institutes are quite lax in bailing customers out when password is forgotten? there is really NOTHING that you as a customer can do to fix *that* problem :-( I have asked some of the financial institutions to disable on-line activity and require written notarized paper t...
by wrongfunds
Wed Oct 04, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: $10 million+ - Still Working and LBYM
Replies: 162
Views: 16284

Re: $10 million+ - Still Working and LBYM

He could counter that "do you think you could get 4% 30 year loan from bank" if you want to do options trading using margin? Remember, his point was that he was using the bank's money and scheming the gains!
by wrongfunds
Wed Oct 04, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: $10 million+ - Still Working and LBYM
Replies: 162
Views: 16284

Re: $10 million+ - Still Working and LBYM

There are other examples of this. This article had a big impact on how I thought about wealth/money: https://www.theatlantic.com/magazine/ar ... ch/308419/ The respondents turn out to be a generally dissatisfied lot, whose money has contributed to deep anxieties involving love, work, and family. In...
by wrongfunds
Tue Oct 03, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 78
Views: 7246

Re: To take or not to take delivery of Tesla 3

Anybody knows the reason why Mass only give $1K for Telsa vs $2.5K for all other electric or hybrids?
by wrongfunds
Tue Oct 03, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)
Replies: 22
Views: 2450

Re: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)

Have you tried to purchase a pressure cooker lately? Your name might get put on a list!
by wrongfunds
Tue Oct 03, 2017 6:26 am
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 6013

Re: Is it a waste of money having your furnace checked every year?

$225 * 20 years

That is a hefty chunk of the new system!!!
by wrongfunds
Mon Oct 02, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: $10 million+ - Still Working and LBYM
Replies: 162
Views: 16284

Re: $10 million+ - Still Working and LBYM

OK, we have a mid-7 figure portfolio, so not quite in this crowd. But we can eat anything we want to ... either cooking at home or going out to a restaurant. So what do we do? Not anything special. How about you? As dinnertime approaches, do you already have plans? Or do you say, what do you want t...
by wrongfunds
Mon Oct 02, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 3746

Re: For buying house: how do you know which schools are "good"?

Aren't you really jumping the gun here? I mean your wife has not even moved in to this country yet! We stayed in our townhouse until our son completed 4th grade. He was the only non-white kid in his entire class at that time! We moved to one of the top rated school district afterwards. You have almo...
by wrongfunds
Mon Oct 02, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)
Replies: 22
Views: 2450

Re: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)

May be you bat your eye lashes at them? I wish I could do that with my beard :-)

Back to the topic; thanks OP I ordered the pot; now wondering if I really need to order the glass lid for it.
by wrongfunds
Sat Sep 30, 2017 5:12 pm
Forum: Investing - Theory, News & General
Topic: Is a Roth conversion a good idea if you are in the 15% tax bracket?
Replies: 39
Views: 3740

Re: Is a Roth conversion a good idea if you are in the 15% tax bracket?

Here's kind of a worst possible scenario. You make not conversions for the next 10 or 12 years, the IRA grows faster than you are using it, SS starts at age 70 and one of you dies at about that time. The survivor could have pension income, SS, a big RMD, and be in a higher bracket just by the fact ...
by wrongfunds
Sat Sep 30, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Kalamazoo Promise - Free College Tuition or Better Public School?
Replies: 12
Views: 1219

Re: Kalamazoo Promise - Free College Tuition or Better Public School?

Is there some entity which can accurately predict the school ranking for year 2029? That is the year when the ranking will come in play. for all you know, KZoo might have become like next Northern Virginia in terms of the education quality! Seriously, try to determine which kind of parents are decid...
by wrongfunds
Sat Sep 30, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4186

Re: Two year lease vs Buy and hold 10 years. A wash?

But we are NOT talking about 200K miles here! OP has 2yr 30K lease now. Even if he were lucky enough to get the similar lease 4 more times, he is limited to total of 150K miles. But the bottom line is you will be comparing 5 "average age 1year" cars to single "average age 5yr" car when it comes to d...
by wrongfunds
Sat Sep 30, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Need compact point and shoot camera recommendations
Replies: 32
Views: 1932

Re: Need compact point and shoot camera recommendations

I don't believe you will go wrong with either of your choices. You seem to know what you want. Add Alpha series to the mix if you are ok with its size. Without going crazy with expensive lenses, the quality difference between your two choices and the Alpha will be quite moderate. I own A6000. If you...
by wrongfunds
Sat Sep 30, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 7040

Re: 3 stages of Financial Independence

I am glad for you! Almost everybody else who considers themselves at stage 2 sincerely believes that they could be at stage 3 only if their portfolio size were double than the current one. It does not matter if the current amount is couple of millions or ten millions. I believe I am roughly 20-25% ...
by wrongfunds
Fri Sep 29, 2017 7:27 pm
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 7040

Re: 3 stages of Financial Independence

I am glad for you! Almost everybody else who considers themselves at stage 2 sincerely believes that they could be at stage 3 only if their portfolio size were double than the current one. It does not matter if the current amount is couple of millions or ten millions.
by wrongfunds
Fri Sep 29, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11067

Re: The Rolex and The Boglehead

Is the 5K watch "limit" or are there $50K watches and $500K watches too? How come we never discuss them here? Is the $5K watch so called "sweet spot" to show the world that one has arrived?
by wrongfunds
Fri Sep 29, 2017 12:04 pm
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 7040

Re: 3 stages of Financial Independence

I claim that #3 has no practical limit and that implies nobody ever believes that they have reached #3 stage.
by wrongfunds
Thu Sep 28, 2017 1:01 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 194
Views: 13242

Re: Why do you LBYM? Why do you save and invest?

I like the 10 chicken nuggets for $1.49 at Burger King. But, speaking of saving money, I was at Walmart the other day and needed some deodorant. I had a choice of Mennen Speed Stick Regular: a 1.8 oz size for .98c or a 2 pack (3oz each) for a total of 6 oz that cost $3.76. Being a frugal person, I ...
by wrongfunds
Thu Sep 28, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3972
Views: 1057979

Re: U.S. stocks in freefall

Number of replies to this topic should make it very clear that few people get what you just wrote!
Since the markets go up most of the time, new highs shouldn't be all that uncommon.
by wrongfunds
Thu Sep 28, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 7047

Re: VG using outsourcing to call me & I'm not happy

Then a heavily accented woman What does the accent have to do with anything? My friend from Manchester has a heavy accent but that doesn't mean he's not professional. My friend from Cologne also has a heavy accent but she's also extremely professional. I am sure you are well aware that when somebod...
by wrongfunds
Thu Sep 28, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: next year health insurance plan provided by company
Replies: 13
Views: 945

Re: next year health insurance plan provided by company

what makes you think that the insurance premium percentage would NOT go DOWN as your hourly rate go UP? Hasn't it been that way all the time i.e. as a percentage wise, higher earner pays lot less for his medical insurance than lower earner person? I have no opinion whether that is "fair" or not. Bes...
by wrongfunds
Thu Sep 28, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Tax saving strategies for DINKs
Replies: 47
Views: 3795

Re: Tax saving strategies for DINKs

Don't use any interest bearing savings accounts at all. That means that your Schedule B should have no items on the top half. Your income is high enough and your taxable accounts bloated enough that you don't need savings earning 1% to 2% and taxed at 50%. Why? How does that hurt? Are you suggestin...
by wrongfunds
Thu Sep 28, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4473

Re: $700 to install a dishwasher seem by a plumber?!

Is the water bill part of your condo fee and you are not paying for the metered usage? Only then it would make sense that you have no ability to turn off the water to your own unit. Even then it is *highly* likely that you *do* have a shut off valve for the dishwasher. Would you mind looking under t...
by wrongfunds
Thu Sep 28, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4186

Re: Two year lease vs Buy and hold 10 years. A wash?

I'm not advocating leasing, but it never is as simple as it sounds.
Then why are you even talking about as a reply to somebody who told you he drives 25K miles per year? Have you ever priced a lease for that kind of miles? To be blunt, lease makes ZERO sense for *him*.
by wrongfunds
Thu Sep 28, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3281

Re: Verizon TravelPass

The cost comes in play when you are traveling as family and want the ability to get hold of each other if separated. That means every member of the family pays $10 per day. For 7 day trip for family of 4 that will be $280! The way I think about this now a days is that as it is I will be spending ove...
by wrongfunds
Thu Sep 28, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4473

Re: $700 to install a dishwasher seem by a plumber?!

Our run-of-the mill dishwasher needs replacing and our condo requires the installation be done by a licensed plumber Maybe the problem here is semantics. In my mind, installing a dishwasher is different than replacing a dishwasher. Install means hookups (water, electric) need to be installed... tha...
by wrongfunds
Wed Sep 27, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: $7 flights on RyanAir
Replies: 36
Views: 3794

Re: $7 flights on RyanAir

There are rumors about RyanAir installing pay toilets on their plane. I suspect those are true.