Search found 167 matches

by jumppilot
Sat Nov 17, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Toyota Dealer Lost My New Car's Key
Replies: 14
Views: 2511

Re: Toyota Dealer Lost My New Car's Key

Toyota can use their in house OEM TechStream maintenance application to programmatically remove the lost key from the car's internal key registry and then add the new replacement key. Ask them to do so and to show you a printout confirming the lost key has been programmatically removed from the car...
by jumppilot
Thu Nov 01, 2018 3:03 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 134
Views: 10249

Re: Core-4 Investing is LIVE! It really is this time!

I can see that I am in the minority here, and I expect some blowback for saying this, but isn't this just a way to make simplicity more complex? If someone truly valued simplicity, wouldn't they just stick with a typical three or four fund portfolio? Six 4-fund portfolios for a total of "24 portfol...
by jumppilot
Sat Sep 22, 2018 3:13 am
Forum: Investing - Theory, News & General
Topic: Zero-ER Fidelity Funds [Closed to new investors?]
Replies: 38
Views: 2945

Re: Fidelity zero ER funds closed?

I'm skeptical that we know all we should about the Zero ER funds. Unless Fido is content to have a product with zero income and some level of expense, an extremely doubtful scenario, then they are making money somewhere that is not apparent. Why is that a problem? Vanguard funds often beat their in...
by jumppilot
Wed Aug 29, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4295

Re: Bone in my food

I think this highlights our complete disconnect as a society as to the actual sources of the food we're consuming. I went deer hunting and posted pictures of my kill on Facebook. I had a few friends give me a hard time for killing an innocent animal, yet they have no problem going to the grocery st...
by jumppilot
Thu Aug 23, 2018 1:42 am
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 5467

Re: Test your cognitive biases

Here’s an interesting video along the same lines of this test:

https://m.youtube.com/watch?v=R13BD8qKeTg
by jumppilot
Wed Aug 15, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Chevy Volt for Commute
Replies: 24
Views: 2389

Re: Chevy Volt for Commute

arsenalfan wrote:
Wed Aug 15, 2018 3:44 pm
Look at Bolt also. Plug in every 4-5 days vs every night with the volt.

As you prob already know the max GM fed credit likely phases out in next 2 quarters as they’re close to the 200k electric car limit.
I bet the price of the car drops when that happens!
by jumppilot
Wed Aug 15, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Chevy Volt for Commute
Replies: 24
Views: 2389

Re: Chevy Volt for Commute

I think the preferred car is the Prius (Toyota reliability/quality, hybrid rather than plug in) among the majority of Bogleheads. Thank you, I will see what Prius models are allowed on the carpool lane, likely the Prime only. Apples and oranges. The Volt should be fun to drive; Prius is a chore. :D...
by jumppilot
Tue Aug 14, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Warns of Worsening Odds for the Economy and Markets [Portfolio help]
Replies: 12
Views: 1643

Re: Vanguard Warns of Worsening Odds for the Economy and Markets [Portfolio help]

vineviz wrote:
Tue Aug 14, 2018 5:09 pm
jumppilot wrote:
Tue Aug 14, 2018 4:50 pm
"Far more money has been lost by investors preparing for corrections than has been lost in corrections themselves."

-Peter Lynch
Nice quote.

I'm making this my signature.
:thumbsup
by jumppilot
Tue Aug 14, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: 401K vs PCRA - expense and return question
Replies: 2
Views: 180

Re: 401K vs PCRA - expense and return question

I have access to a PCRA and I used it for a few years. In order to use the PCRA I would have to manually trade into ETFs, as my contributions would just be deposited into the PCRA cash account. My suggestion, and what I currently do, is to use the index funds available to you for your core options, ...
by jumppilot
Tue Aug 14, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Warns of Worsening Odds for the Economy and Markets [Portfolio help]
Replies: 12
Views: 1643

Re: Vanguard Warns of Worsening Odds for the Economy and Markets [Portfolio help]

"Far more money has been lost by investors preparing for corrections than has been lost in corrections themselves."

-Peter Lynch
by jumppilot
Sat Aug 04, 2018 2:45 am
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 55
Views: 5078

Re: Is solar power for your home a worthwhile investment?

Out of curiosity, I've looked into buying a solar photovoltaic system for our home, where we intend to stay for a lengthy period of time (minimum 15 years). When I recently looked into this, the estimated savings over a 20 year period were negative $6,000 (i.e. we would lose about $24 per month). T...
by jumppilot
Thu Aug 02, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 10114

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Bottom line: I think this sort of thing may make sense if you are traveling to a developing country. If you are traveling to Western Europe or Japan/Korea/Singapore, it is likely unnecessary. I had a friend break his hip in Japan. The Japanese stabalized him but didn't do any of the elective surger...
by jumppilot
Tue Jul 31, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 10114

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I purchased a yearly membership to Medjet Assist. Based on online reviews, many types of insurance you purchase have Swiss cheese contracts with exclusions, type of evacuation provided and hospital choice. Medjet avoids all these issues - if you are admitted to the hospital, they will evacuate you t...
by jumppilot
Thu Jul 19, 2018 4:20 am
Forum: Personal Consumer Issues
Topic: Possible Knob & Tube in an older home.
Replies: 29
Views: 2605

Re: Possible Knob & Tube in an older home.

Hello! My husband and I have put an offer in on a house that was built in 1855. Upon inspection we were told it's "possible" the house may have some knob and tube wiring left in it, though the inspector could not point to any. It was clear the sellers had some electrical work done when the installe...
by jumppilot
Wed Jul 11, 2018 6:40 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) Asset Allocation for 23 Year Old
Replies: 10
Views: 704

Re: 401(k) Asset Allocation for 23 Year Old

I vote 100% equities.

At her age, her future earnings are her “bond” portion.
by jumppilot
Mon Jul 09, 2018 12:08 am
Forum: Investing - Theory, News & General
Topic: Article: Rich kids are counting on inheritance to pay for retirement
Replies: 31
Views: 4796

Re: Article: Rich kids are counting on inheritance to pay for retirement

I'm not sure I care what 18-22 year old high school and college kids think. How did they break away from the beer pong long enough to do the survey? Lets check again when they grow up. +1 Reading the story I thought back to when I was 20. I remember thinking my parents had so much money but as you ...
by jumppilot
Sun Jul 08, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds (I want to be socially irresponsible)
Replies: 34
Views: 2163

Re: Socially Responsible Funds (I want to be socially irresponsible)

On general principles, every tool does one thing best. Another saying is "no slave can serve two masters". My view of an investment: it can either do a good job achieving my financial goal or a social responsibility goal, but not both. So for me, if I wanted to feel better about myself, I would go ...
by jumppilot
Sat Jul 07, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 20904

Re: Replace car battery after X years or wait till it dies?

As a European, one thing that strikes me about Americans is their obsession with very frequent oil changes and religiously changing car batteries every 3-5 years. Do battteries have a different failure rate in Europe? My car wouldn’t start the other day due to a failed battery (5 years old) - I imm...
by jumppilot
Sat Jun 09, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Merrill edge closing expat accounts
Replies: 12
Views: 1665

Re: Merrill edge closing expat accounts

Good luck with that. Almost if not all US brokers will shut you down as you are not allowed to buy/trade from outside the US. That’s news to me. I’ve lived overseas for 3 years, and Schwab even has my address. I did open my account before I moved, however. http://international.schwab.com/public/int...
by jumppilot
Mon May 28, 2018 11:34 pm
Forum: Investing - Theory, News & General
Topic: Can anyone recommend Any Social Responsible fund/s?
Replies: 17
Views: 1553

Re: Can anyone recommend Any Social Responsible fund/s?

I am curious if VG has ever considered starting one, forgetting all the arguments about how investing isn't the place for making policy changes. With all my other purchases and life choices I attempt to find spend ethically, I might like to do it with my equity and bond index funds as well, if ther...
by jumppilot
Mon May 28, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Two fund portfolio- no bonds??
Replies: 22
Views: 2271

Re: Two fund portfolio- no bonds??

OP,

For my retirement account I consider my future earnings potential my bond portion.

Mid-30s myself, I am 100% stocks.
by jumppilot
Sun May 27, 2018 4:28 am
Forum: Investing - Theory, News & General
Topic: Books on stock market cycles/crashes and derivatives markets
Replies: 7
Views: 690

Re: Books on stock market cycles/crashes and derivatives markets

Might be related: This Time Is Different: Eight Centuries of Financial Folly From Amazon: Throughout history, rich and poor countries alike have been lending, borrowing, crashing--and recovering--their way through an extraordinary range of financial crises. Each time, the experts have chimed, "this ...
by jumppilot
Wed May 23, 2018 3:43 am
Forum: Investing - Help with Personal Investments
Topic: Checked under the hood of index funds and investment firms
Replies: 8
Views: 1723

Re: Checked under the hood of index funds and investment firms

But, it kills me every time an agent from my “other brokerage firm” experience ends the phone call with “Thank you for your business.” Doesn’t sound right to me. But, that’s just my opinion. Don’t be fooled. Even though Vanguard is “customer owned” or whatever they call it doesn’t mean your busines...
by jumppilot
Mon May 21, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: Do bonds make sense if you are more than 10 years from retirement?
Replies: 11
Views: 1506

Re: Do bonds make sense if you are more than 10 years from retirement?

I went 100% stocks last year after I saw bonds do nothing for me. I’m in my late 30s and plan to be 100% stocks for awhile. When I get closer to the finish line, I plan to utilize a bucket approach and keep 10 years of expenses (bare minimum plus discretionary spending) in bonds. That’ll work out to...
by jumppilot
Sat May 19, 2018 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Looking for a custom retirement savings calculator for Airline pilot Direct contribution
Replies: 14
Views: 1459

Re: Looking for a custom retirement savings calculator for Airline pilot Direct contribution

I work for a major airline. Pensions are a thing of the past, but our retirement plans now include a direct contribution from the company independant of a match to our 401k plans. Unfortunately all the calculators i find are based on matching contributions. At my income level, the company's contrib...
by jumppilot
Fri May 18, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Dash camera
Replies: 19
Views: 2963

Re: Dash camera

I'd suggest staying away from cameras that have GPS in them. In the event of an accident, you don't want the police/other insurance company to know you were going 7 MPH over the speed limit even if the accident wasn't your fault.
by jumppilot
Thu May 17, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property as a supplemental income strategy in retirement?
Replies: 7
Views: 985

Re: Rental Property as a supplemental income strategy in retirement?

Anyone think RE is a good diversification strategy beyond a simple BH passive strategy? Of course there are plenty of people who will agree with that statement and I'm sure they will be along shortly. To me, your situation is a good example of some of the negatives of real estate beyond the obvious...
by jumppilot
Wed May 16, 2018 11:49 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 11931

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

You may wish to roll sooner / contribute in high % and convert quickly. Any gains inside the after-tax bucket typically end up on the 401k side. Your intent is correct, but it is important to be precise when talking about employee after-tax contributions. After-tax contributions and pre-tax earning...
by jumppilot
Wed May 16, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 5183

Re: somebody is using our address

I might consider having my mail held for a few days off and on for a while so that I could pick it up at the post office. I could do the notification right then and there with little risk that the bum could receive "his" stuff. That's what I would do. I would have the post office hold my mail for a...
by jumppilot
Mon May 14, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 11931

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

I contribute the max pre-tax then contribute after tax. At the end of the year I convert it to Roth.

Goal is to hit 415(c) limits every year.
by jumppilot
Wed May 09, 2018 4:34 am
Forum: Personal Finance (Not Investing)
Topic: Experian will not lift security freeze with PIN
Replies: 16
Views: 3778

Re: Experian will not lift security freeze with PIN

I have the exact same issue with Experian.

I can’t help you but want you to know you’re not alone with this problem.
by jumppilot
Sun May 06, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 22
Views: 2160

Re: Another Car Keep/Buy Question

At this point, your goal is to get a car and keep it. You already have the Subaru. Instead of spending more money just keep that car for another 10 years. I drive a 15 year old 4Runner, and while I want an F250 Diesel, the time is not right for me to purchase it. Someday it will be, but not now. You...
by jumppilot
Sun Apr 15, 2018 2:13 am
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 4945

Re: Is it necessary to replace brake fluid on a car every 3 years?

Great article on brake fluid. “A case in point: A child was killed in an accident when the five-year old minivan with 79,000 miles on it his parents were driving suffered loss of pedal and crashed while the family was driving in the mountains of Washington state. Fluid boil was blamed as the cause o...
by jumppilot
Sun Apr 15, 2018 2:04 am
Forum: Personal Consumer Issues
Topic: Dealing with poorly assigned hotel rooms?
Replies: 41
Views: 3778

Re: Dealing with poorly assigned hotel rooms?

Be loyal to a particular brand of hotel and book from their website. You may find more willingness to help you during times like these. I had to cancel a 2 night stay with Marriott after normal check in time. I forfeited the amount paid, but a call to customer service explaining the situation result...
by jumppilot
Sat Apr 14, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 4945

Re: Is it necessary to replace brake fluid on a car every 3 years?

I replace my brake fluid every two years regardless of mileage. Brake fluid absorbed moisture and over time the fluid will lose its ability to work properly. Increased moisture content reduces the boiling point of the fluid leading to vapor lock of the brake system during heavy loads. Every time I g...
by jumppilot
Thu Apr 05, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: $30M Umbrella Insurance?
Replies: 31
Views: 4628

Re: $30M Umbrella Insurance?

OP,

Once you require that level of protection State Farm or any other mass market insurance company is no longer useful.
by jumppilot
Wed Apr 04, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses Schwab and what are the up and downsides?
Replies: 41
Views: 3727

Re: Who uses Schwab and what are the up and downsides?

I have used Schwab for about 15 years with no complaints. The commission structure it set up so you have to pay a fee to buy Vanguard funds but don’t pay when you sell. We set my parents up in the Vanguard Balanced fund for about $85 and they pay nothing to sell. https://www.schwab.com/public/schwab...
by jumppilot
Tue Apr 03, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Health club memberships
Replies: 34
Views: 3939

Re: Health club memberships

If you have a Planet Fitness nearby, it's a no brainer. Why pay more than $10/mo? Depends on what the OP uses the gym for. Planet fitness is for the casual gym user and wouldn’t work for me. No deadlift platforms, dumbbells only go to 80 pounds, no squat racks, no Olympic bench press, and they have...
by jumppilot
Sun Mar 25, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 6063

Re: Anxious about age, career, and housing costs

OP, I bought my first place in 2004 in a townhouse complex in the midwest. It was a good "first dip" into real estate as it gave me the flexibility of my own home without the burden of yard upkeep. In 2005 (a year later!) I took a promotion and moved out of state. Fast forward to 2012, I bought anot...
by jumppilot
Thu Mar 22, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 11982

Re: Losing friends/family when wealthy

As I've aged, I found I have less friends overall. I only have time for about 5 friends and everyone else has fallen by the wayside. I don't think it's related to your investments, as you seem to practice stealth wealth.

Correlation is not causation - it could just be the nature of things as we age.
by jumppilot
Wed Mar 21, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: How can I get a passport?
Replies: 64
Views: 6616

Re: How can I get a passport?

Edit: Wrong info given
by jumppilot
Sat Mar 17, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 19117

Re: Bought house six months ago - now feeling like we're treading water and can't save money

Drop the charitable donations. I agree. Right now your family is your favorite charity. Take care of them first and, when the time is right, write a check to a charity of your choice. I'd feel terrible if I was donating $400 a month to charity only to find out my child needed surgery that had a $5,...
by jumppilot
Tue Mar 13, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason not to open a 529? (young investor)
Replies: 21
Views: 1870

Re: Any reason not to open a 529? (young investor)

I started funding a 529 when I started dating my now-wife.

Fast forward 8 years and two kids later, I'm glad I did. We now have $30,000 in 529 assets with my oldest being 2.

My wife is now a SAHM - make hay while the sun shines!
by jumppilot
Fri Mar 09, 2018 4:14 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed for Renter offer
Replies: 19
Views: 2229

Re: Advice needed for Renter offer

I froze my credit due to the equifax breach and have had issues unfreezing it. We are getting ready to move and will be renters. To get around my credit issue I plan to offer to pay a substantial amount of the rent, even up to 6 months. So don't assume everyone doing this is gaming the system. Do mo...
by jumppilot
Tue Feb 13, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: Deferred Income Annuity
Replies: 10
Views: 1339

Re: Deferred Income Annuity

Thanks for the replies, everyone.
by jumppilot
Mon Feb 12, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: Deferred Income Annuity
Replies: 10
Views: 1339

Deferred Income Annuity

Does anyone here use a Deferred Income Annuity, offered by such firms as Brighthouse? https://www.brighthousefinancial.com/content/dam/brighthouse-financial/public/pdfs/gib/GIB-QLAC-Client-Brochure.pdf I'm in my late 30s and am in a fortunate position of reaching 415(c) limits. With left over money ...
by jumppilot
Sat Feb 10, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Accredited investor resources
Replies: 25
Views: 1941

Re: Accredited investor resources

I've looked at angel investing through sites like MicroVentures. I haven't pulled the trigger yet but I could see investing there when the time comes.
by jumppilot
Wed Jan 31, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: I have an overwhelming gift I'm in need of help of please.
Replies: 89
Views: 9039

Re: I have an overwhelming gift I'm in need of help of please.

Do not do anything immediately! With that said, knowing everyone is different, here's what I would do: 1) Fully fund emergency fund. Go on your high end of $35,000. You have $235,000 left. 2) Pay off the mortgage 3) Use your old mortgage payment to fully invest in your 401(k) It's not the most fun a...
by jumppilot
Sun Jan 28, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Wall Street to Vanguard: We’re Not Your Doormat [Fidelity charging some plans to hold Vanguard funds]
Replies: 63
Views: 11609

Re: Wall Street to Vanguard: We’re Not Your Doormat

This development doesn't bother me much. Expense ratios have become so low that we, main street investors, have won the game. We have entered new territory where we've gone so low on the ER arms race that perhaps a bit of correction is needed. Anything below 15 bps is a steal in my opinion - I can h...
by jumppilot
Fri Jan 26, 2018 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Almost 34 years old... Looking for Career Ideas with realistic High Earning Potential
Replies: 31
Views: 3772

Re: Almost 34 years old... Looking for Career Ideas with realistic High Earning Potential

So I'm going to present an arguably more pessimistic view, of course this is just my opinion. And I have come to this opinion after a lot of deep reflection on my own life. I am around your age, also in a career/job I hate and have been exploring ways out. I think at this age it's a little late to ...