Search found 1218 matches

by Khanmots
Thu Jun 21, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: is Ed Jones always bad news?
Replies: 29
Views: 3417

Re: is Ed Jones always bad news?

This is likely a rhetorical question I am guessing, but -- does EJ offer any low-cost index funds? I've never heard of EJ recommending index funds, but I suppose it's not impossible. Most often, when I read about EJ investing someone in mutual funds, it's been in American Funds offerings. You can f...
by Khanmots
Thu May 31, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Need some advice in regards to A/C System
Replies: 29
Views: 1671

Re: Need some advice in regards to A/C System

My AC is from 1983 and still running strong. In Texas. I bought the house with the expectation I'd be replacing it... and have had 8 years service so far with only 2 service calls needed. 1 to replace a capacitor and 1 to replace a rusted connector where the increased resistance had caused the break...
by Khanmots
Tue May 01, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 9390

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

As a dad, I would not only ask to be notified daily, I will demand it. Their experience and freedom will not be compromised if they take 5 seconds out of the day to send a text. You can even make a code word for them to send you once a day. The word will be their way of telling you everything is go...
by Khanmots
Tue May 01, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 9390

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Just browsing through these comments shows the huge generational gaps between common users of this site and the mentioned 19 year old travelers. I mean, printing out atlas maps? Cmon, they have a phone right? Then they have maps and know how to use them. The US is not so desolate that they won't be...
by Khanmots
Mon Apr 30, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 9390

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

As someone that had a tire turn into two pieces on a mountain road with no cell service... I'm going to reiterate that they need to know how to put the spare on and not rely on AAA or fix-a-flat. Along with the idea of no cell service, remind them that (at least with google maps) they can download a...
by Khanmots
Sat Apr 28, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan or dip into emergency fund?
Replies: 48
Views: 3588

Re: Auto loan or dip into emergency fund?

I wouldn't only look at financing through the dealer. They don't always have the best rates. Last car I financed through penfed. That said, do make sure to get two quotes from the dealer. One with you paying cash (outside financing would fall here), one with you financing through them. Sometimes th...
by Khanmots
Sat Apr 28, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan or dip into emergency fund?
Replies: 48
Views: 3588

Re: Auto loan or dip into emergency fund?

I wouldn't only look at financing through the dealer. They don't always have the best rates. Last car I financed through penfed. That said, do make sure to get two quotes from the dealer. One with you paying cash (outside financing would fall here), one with you financing through them. Sometimes the...
by Khanmots
Fri Apr 27, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Ameriprise :(
Replies: 64
Views: 9440

Re: Ameriprise :(

Help me understand one thing - many of you suggest to go to Vanguard for example. I have it now, but those low funds are not gaining as much. In some cases 1 year best options at Vanguard has say 12% return for 0.07% fee vs 17% in sps option with .5% fund fee and 1% ameriprise fee. So whats the log...
by Khanmots
Thu Apr 26, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: "Tax-Adjusted Asset Allocation: Is It Necessary?"
Replies: 51
Views: 3004

Re: "Tax-Adjusted Asset Allocation: Is It Necessary?"

I value monies in my Roth more than other locations when figuring out if I'm at my allocation. The other types of accounts I assume it's close enough to a wash and don't worry about.
by Khanmots
Mon Apr 23, 2018 12:45 am
Forum: Personal Consumer Issues
Topic: How much off MSRP should one expect?
Replies: 23
Views: 2379

Re: How much off MSRP should one expect?

MSRP is irrelevant. Negotiate down from Invoice +$200. 15 years ago, invoice was meaningful. However, car manufacturers realized that the internet made it easy to find and use to negotiate. So the spread between MSRP and "invoice" has steadily decreased over the years. About 5 years out of date, bu...
by Khanmots
Sat Apr 21, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Best Way to Decline an International Job Assignment
Replies: 23
Views: 1822

Re: Best Way to Decline an International Job Assignment

Lot depends on workplace culture and your value to the company. If you're easily replaced and/or management views people as cogs in a machine then a lot more care is required than when you're hard to replace and management views people as resources to be developed. I've turned down opportunities (wi...
by Khanmots
Tue Apr 17, 2018 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10963

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Asking for a payment plan if you can't handle a large unexpected payment seems reasonable. Expecting a further price concession is not. Discounts for payment in full seems common enough and such an accepted thing that in my case the ER stopped me from paying the full price and worked to ensure I go...
by Khanmots
Tue Apr 17, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10963

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Recently went through this with an ER visit. Called to ask if I could pay online rather than mailing a check or some such, and was told don't pay online if I'm going to pay in full, they can give a discount for that over the phone but not online. Got 25% off the bill if I paid in full, or could set ...
by Khanmots
Wed Apr 04, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Travel (Or any other specific) fund - How do you budget and save it?
Replies: 18
Views: 1072

Re: Travel (Or any other specific) fund - How do you budget and save it?

No budget here. I aim for a certain degree of positive cash-flow (counting savings as an expense) and so long as I'm hitting that I'm good. If cash-flow is too little or negative I figure out why and fix it. If cash-flow is too high (approaching that now, but just got hit with $4-6k of surprise medi...
by Khanmots
Mon Mar 19, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: 9th grade earth science honors or biology honors
Replies: 28
Views: 1833

Re: 9th grade earth science honors or biology honors

If there's even a remote chance you will get a C, the honors class probably isn't for you. I strongly disagree with this. I earned Cs in most all of my high school honors english/lit classes. However I came out of it, even having earned Cs, with an ability to write that exceeded anything asked from...
by Khanmots
Wed Mar 14, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Pay cash or go crazy (and take 2.5% loan and invest
Replies: 30
Views: 2493

Re: Pay cash or go crazy (and take 2.5% loan and invest

One other investment to consider, and what I would have done if I didn't have the liquidity need... put the money into your mortgage and take the car loan in it's place.

Depending on rates and your tax situation, this could be a guaranteed return.
by Khanmots
Wed Mar 14, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pay cash or go crazy (and take 2.5% loan and invest
Replies: 30
Views: 2493

Re: Pay cash or go crazy (and take 2.5% loan and invest

I've found that if I qualify for the ~2% auto loan, I also usually qualify for the 0% loans offered through the manufacturer. Is that an option for you? Be careful with those. This time last year when I bought my car, I asked for two quotes from most every dealer in Texas, one with 0% financing and...
by Khanmots
Wed Mar 07, 2018 2:54 pm
Forum: Investing - Theory, News & General
Topic: In-law advice?
Replies: 24
Views: 2663

Re: In-law advice?

Discussions I've had with various people I focus on: 1) The importance of compounding and investing early 2) That they don't have better information and analysis tools than the army of analysts out there working as parts of large teams with huge amounts of computing power. Don't try to day-trade or ...
by Khanmots
Wed Mar 07, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Switching to online bank. Keep brick/mortar bank account open?
Replies: 54
Views: 3508

Re: Switching to online bank. Keep brick/mortar bank account open?

Absolutely keep your brick and mortar account open. If nothing else, for the convenience of having the ability to walk in and conduct business in person. These 'online only' posters really worry me sometimes. I just don't see the convenience of doing things in person. Online lets me do things on my...
by Khanmots
Wed Mar 07, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Switching to online bank. Keep brick/mortar bank account open?
Replies: 54
Views: 3508

Re: Switching to online bank. Keep brick/mortar bank account open?

I used online banking only for the first 15 years or so of my financial life. It's only in the last 5 years that I got an account at a local brick and mortar bank so I could get a free safe deposit box.
by Khanmots
Sat Mar 03, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Finally get it, Step 2 - Get rid of FA at Fidelity?
Replies: 65
Views: 4889

Re: Finally get it, Step 2 - Get rid of FA at Fidelity?

Thanks everyone for confirming what I was thinking. I just don't get it, how do these FA's sleep at night? I find it very upsetting now that I finally understanding it at a very high level. I've got a friend who used to be a youth pastor but is now starting off as a FA at one of these firms. Had qu...
by Khanmots
Fri Mar 02, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Simple question regarding caring for elderly parents
Replies: 16
Views: 2452

Re: Simple question regarding caring for elderly parents

What do you think is the best thing to do for them? For me, the best thing to do would be to ask Mom and Dad how you could help. Then listen. They may want advice, they may want to turn over their financial lives to one or more of their children, or they might just want to spend down their assets f...
by Khanmots
Fri Mar 02, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard High Dividend Yield Index Funds vs ETF
Replies: 12
Views: 1696

Re: Vanguard High Dividend Yield Index Funds vs ETF

The difference between the mutual fund and ETF is .07. So on a $10,000 balance that would be $7. That's immaterial. If you're buying $500,000 of VHDYX that difference is $350 per year and that might be worth it. I've still never understood this thought process; It is all relative. To you, $500K may...
by Khanmots
Wed Feb 28, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Users-Experience So Far?
Replies: 37
Views: 2794

Re: Google Pixel 2 Users-Experience So Far?

I have a pixel 2 xl and my wife has a pixel 2. We both love our phones. Personally, I think the blue shift issue is way overstated. I can see it if I'm looking for it. It could be improved. But in everyday use I don't notice it. All phones have some color shift off angle. Some phones have it worse....
by Khanmots
Wed Feb 28, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Users-Experience So Far?
Replies: 37
Views: 2794

Re: Google Pixel 2 Users-Experience So Far?

I had the Pixel 2 XL at release, but returned it after a few days. Screen had massive blue-shift with very small deflections from perpendicular and was told it wasn't a defect. If that's no longer an issue, then it seemed to be a great phone. I wound up getting the OnePlus 5t a few months later and ...
by Khanmots
Tue Feb 27, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: What are overstock phones?
Replies: 23
Views: 1513

Re: What are overstock phones?

I'm with Bloom. I use my phone to make phone calls, send texts, and check exactly two websites (reddit.com and bogleheads.org) using my phone's built-in browser. No apps. Not a chance I'd ever do any banking-related thing on my phone. Hence, I'm not interested in software updates. I've taken maybe ...
by Khanmots
Tue Feb 27, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: What are overstock phones?
Replies: 23
Views: 1513

Re: What are overstock phones?

These Motorola phones look very interesting. And the price point is very affordable as well. I wasn't aware of them at all. In Android, I was under the impression that the Samsung Galaxy S phones are the best and no point looking elsewhere. I'm going to look into the Moto X4 and G5, have you compar...
by Khanmots
Tue Feb 27, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: What are overstock phones?
Replies: 23
Views: 1513

Re: What are overstock phones?

My question is, how old/far back do you want to venture? The S7 Edge is still a very good phone. When it stops getting updates, is that the point to consider moving up? Others like when phones stop getting updates or refuse to update as they tend to slow older devices down. New versions require mor...
by Khanmots
Mon Feb 26, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Custom shades from Home Depot
Replies: 13
Views: 1830

Re: Custom shades from Home Depot

Don't know anything about cellular shades, but have you looked into selectblinds.com as a possible source? When I purchased blinds for my home they were a good price (better than home depot). Everything was ordered as a custom width so they fit the slightly screwy framing of my windows. They all cam...
by Khanmots
Thu Feb 22, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 32
Views: 2003

Re: Caribbean Cruise 1st timer Cash or Card?

1st cruise ever. Taking whole family. Meals are included in price of cruise. How much money do you need for other stuff? Is it best to take cash or use plastic? Will be going to Cozumel, Grand Cayman, and Jamaica. Only cruised the Caribbean twice, but here's my take. Are you doing excursions throug...
by Khanmots
Wed Feb 21, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Mental Accounting -- How to solve problem
Replies: 32
Views: 3279

Re: Mental Accounting -- How to solve problem

Several people have mentioned the "net worth" approach which I think has some validity for my circumstances. For instance, if I was looking at net worth, the past three months look fantastic because I have paid off all of my student loans! But if you look just at the savings/expense statement, it h...
by Khanmots
Wed Feb 21, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Need VISA - 1.5% plus mobile alerts
Replies: 4
Views: 322

Re: Need VISA - 1.5% plus mobile alerts

ddurrett896 wrote:
Wed Feb 21, 2018 1:10 pm
Looking for a Visa card with atleast 1.5% and must be able to get mobile alerts on charges. Wanted Capital One Quicksilver but CO hates my churn with them. Thanks
If you have access to USAA they had and I think still offer a 2.5% visa
by Khanmots
Wed Feb 21, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Mental Accounting -- How to solve problem
Replies: 32
Views: 3279

Re: Mental Accounting -- How to solve problem

Unfortunately the mental gymnastics we put ourselves through are all different (and we've all got them! :mrgreen: ) So... dunno if it'll help you, but I do a modification of tracking net worth. I don't try to track expenses, don't keep a budget, and don't keep a separate emergency-fund per se (well,...
by Khanmots
Wed Feb 21, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 39436

Re: What UN-frugal thing do you do?

I keep the thermostat comfy
I eat out for lunch most every day
I go through a set of tires every 15-20k miles
by Khanmots
Tue Feb 20, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Furnace Setting for Vacation
Replies: 23
Views: 1733

Re: Furnace Setting for Vacation

I recently read online that 50-60 is OK for vacation/unoccupied homes. Should prevent any pipes from freezing. We have a vacation home in the Northern Neck of VA. Generally leave T-stat at 60. Son was out there with some friends in early December. No one had been out there since then. Electric bill...
by Khanmots
Mon Feb 19, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle cashback bonuses?
Replies: 8
Views: 1320

Re: How to handle cashback bonuses?

A surprisingly hard lesson to learn is that money is fungible . In other words, the dollar in your pocket doesn't care where it came from, it spends the same as any other dollar. Trying to spend differently based on the source is purely an exercise in mental gymnastics. Sometimes that's good, someti...
by Khanmots
Sat Feb 17, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Questions to ask a siding contractor...what are 'red flags'?
Replies: 8
Views: 671

Re: Questions to ask a siding contractor...what are 'red flags'?

Not exactly what you asked for, but I screwed up on a contractor doing some siding replacement a while back and didn't get up on the roof and inspect transitions. His contractors hadn't put any flashing in and had even cut slots through the siding for the shingles to fit in... I've not got to hire a...
by Khanmots
Fri Feb 16, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 7594

Re: How to get child's skin in the game for college?

ramsfan wrote:
Fri Feb 16, 2018 8:29 pm
Great story for parents of soon-to-be college students to read. Thank you for sharing!
Not exactly the most fun story to tell, but thought there were some good lessons in it that should be heard. Your feedback that it was useful means a lot. Thanks!
by Khanmots
Fri Feb 16, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Wheel alignment new tires
Replies: 15
Views: 829

Re: Wheel alignment new tires

Op, by narrow tires, I assume you're talking about the sidewall thickness (i.e., low-profile) and not the width of the tread? 20k is unusual wear for tires. Has someone been jamming that acceleration? Depends on the tires. I ran ultra high performance summer tires only for over 10 years. Depending o...
by Khanmots
Fri Feb 16, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 7594

Re: How to get child's skin in the game for college?

The college student has skin in the game. It is their future on the line. Compared to that a couple of thousand bucks just doesn't matter. Pretty much every incentive attempt has pluses or minuses. Require a 3.2 GPA? Do you really want to encourage getting say an english degree versus electric engi...
by Khanmots
Fri Feb 16, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2975

Re: USAA 41% More For Car Insurance

When I first got a car and got auto insurance (13 years ago...) I shopped around extensively, and USAA was quite cost competitive for the insurance needs I had. Roughly 5 years ago I did research into top tier insurers and cross-shopped with Amica (pretty much tied with USAA for the top spot) and ag...
by Khanmots
Fri Feb 16, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 7594

Re: How to get child's skin in the game for college?

Not sure I have any actionable advice, but I think there's some lessons to be learned from my experiences as the kid going through college. Approach my parents took was that if I'd contribute my scholarships and what I earned from working towards school, and room and board expenses. They'd cover wha...
by Khanmots
Tue Feb 13, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Should I take a 401k loan or personal loan?
Replies: 4
Views: 654

Re: Should I take a 401k loan or personal loan?

bloom, while generally good advice I don't think it applies to the OPs situation. It looks like he made the decision years ago, has paid significantly into this, and needs to make a final payment, a expensive installment option, or forfeit his investment entirely. one thing to remember about 401k lo...
by Khanmots
Tue Feb 13, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Are these fees for real?
Replies: 25
Views: 2520

Re: Are these fees for real?

Don't feel like you're the only one who got suckered by an advisor. I think you'll find that the majority of current bogleheads had such an experience. I know I paid in order to learn my lesson with Ameriprise. 5% front-end load, all funds had a 1% 12b-1 fee (essentially a kick-back to the advisor) ...
by Khanmots
Tue Feb 06, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Try for promotion? Have you faced similar?
Replies: 9
Views: 1233

Re: Try for promotion? Have you faced similar?

2 great points. I guess my fear is if I were to leave my position and not like it, would it be worth it to shave off that much time till retire... I'd assume it would shave off 5-6 realistically, but maybe my math is off. If you go ahead and get the new position and after a year or so to settle in ...
by Khanmots
Tue Feb 06, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: How to ditch Ameriprise
Replies: 11
Views: 928

Re: How to ditch Ameriprise

I had to print out a form and get a "Guaranteed Signature" stamp from my local bank (or somewhere) to do the most recent transfer of the remaining holdings in my Ameriprise IRA last month. So you may need to investigate whether your bank will do the Guarantee for you or not. It could hold up things...
by Khanmots
Tue Feb 06, 2018 2:53 pm
Forum: Forum Issues and Administration
Topic: we need an individual stock sub forum
Replies: 31
Views: 2148

Re: we need an individual stock sub forum

Few thoughts. 1) When I want to learn I go to where the experts are. When I came to the conclusion that index investing was the correct play I hunted until a found a forum focused on that. I've learned a lot here since! That said, Bogleheads for the most part are not experts on investing in individu...
by Khanmots
Tue Feb 06, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help me assess new 401k?
Replies: 8
Views: 714

Re: Help me assess new 401k?

May find this useful as well.

https://www.towerswatson.com/en-US/Insi ... t-Jan-2011

goes into a lot of detail on what information has to be provided to plan participants.