Search found 542 matches

by Momus
Mon Jan 21, 2019 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Survey - Total Cost of Insurance Policies
Replies: 24
Views: 1137

Re: Survey - Total Cost of Insurance Policies

$30/mo health insurance premium
$45/mo car ins liability only

No dependents.

That's it...
by Momus
Sat Jan 19, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 83
Views: 3804

Re: What is a Boglehead funeral/burial?

Cryogenics with Alcor in AZ. I think it costs 80-220k?

https://alcor.org
by Momus
Thu Jan 17, 2019 3:32 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 851
Views: 43985

Re: John Bogle has died at age 89

R.I.P. John Bogle. You will be missed.

Even BlackRock pays tribute... https://twitter.com/blackrock/status/10 ... 2203716608
Your turn Fidelity!
by Momus
Wed Jan 16, 2019 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 15900

Re: Why are you NOT buying rental properties?

I only have one and it's a headache at times. Love how tenants pay down your mortgage and you get 5x leverage on the way up AND down (Depends on how much your downpayment is). But, it's quite risky if you happen to buy a lot of rentals at the peak, and economic cycle recession hit you, you lose most...
by Momus
Wed Jan 16, 2019 2:28 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 175
Views: 10353

Re: Are You Dumping Netflix?

Netflix is keeping tabs. We are doing the market research for them.

Next month, price will be increased to $30/mo... 8-)
by Momus
Tue Jan 15, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 175
Views: 10353

Re: Are You Dumping Netflix?

Netflix went down so much during one time price hike in 2011. It went from $38 to $10/share, they reversed the price hike immediately after the backlash. Now we had 2 more price hikes, everyone is happy and wants to throw more money at them, the stock goes up 6% to $350 LMAO. Time has changed. Imagi...
by Momus
Tue Jan 15, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 175
Views: 10353

Re: Are You Dumping Netflix?

Be creative. Buy a higher subscription and share with 3 people. Until they block that... Share away...
by Momus
Sun Jan 13, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9746

Re: Disciplined with finances, but not so with diet

Just eat less. Drop the calories and the weight will be gone. There is no magic pill. Drop the eating frequency from 3 to 2 to 1. I eat once a day whatever I want and maintain 175 lb. 0 hunger once you get used to intermittent fasting. Human body is amazing. There are people who do 7-14 days fast to...
by Momus
Sun Jan 13, 2019 3:10 am
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 59
Views: 4416

Re: MMORPG games

Sold my FFXI account for $4k. Put close to 400 days online time into that game during 5 years of university... I swore to never touch MMORPG ever.
by Momus
Thu Jan 03, 2019 3:10 am
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 3012

Re: Noise cancelling headphones for plane trips, advice?

Sony 1000xm3 BY FAR the best noise canceling headphone right now. Don't drop any money for bose qc if you are serious about noise canceling. EVERY review out there rated Sony xm3 to be better in noise canceling AND sound. Don't waste your money on bose qc35. They are comfortable but they suck on noi...
by Momus
Thu Nov 15, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Mobile cellular hotspot for low data use
Replies: 17
Views: 1191

Re: Mobile cellular hotspot for low data use

Unreal Mobile has Unlimited hotspot plan for $10 a month. User has LTE data for 1 GB, after that is very slow. User has option for GSM (AT&T) or CDMA (Sprint). If you want completely free, then FreedomPop is offering free 500 MB a month (with Sprint CDMA) or free 200MB a month (AT&T) Looks like my ...
by Momus
Thu Nov 15, 2018 12:02 am
Forum: Personal Consumer Issues
Topic: New phone suggestions? My LG V20 phone is kicking the bucket.
Replies: 22
Views: 1393

Re: New phone suggestions? My LG V20 phone is kicking the bucket.

Update: The phone operated perfectly all last night, and this morning, but now is having the screen issue again. I'll be ordering a new phone today, I'm going on a vacation in 2 weeks and need a reliable phone to use. One of the above posters had me thinking about getting a used Pixel 2 XL for $350...
by Momus
Wed Nov 14, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Mobile cellular hotspot for low data use
Replies: 17
Views: 1191

Re: Mobile cellular hotspot for low data use

I used Cricket (AT&T) before as my cell phone provider. I was able to activate hotspot using Foxfi app (with USB teethering). Foxfi bypasses carrier limitation so that you can turn your phone into a hotspot. They only support a few phones that can do WIFI hotspot (fortunately, my phone is supported,...
by Momus
Wed Nov 14, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6884

Re: Wait, do I need a prenup?

I am wondering if rentals and dividend/cap gain for 1 person generated after marriage will also be split able (50/50). That would not be fair for someone who has more before marriage. I'm assuming it's still separate property. Anyone knows? For Cali, here is the law: "CHAPTER 2. Separate Property [...
by Momus
Wed Nov 14, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6884

Re: Wait, do I need a prenup?

I am wondering if rentals and dividend/cap gain for 1 person generated after marriage will also be split able (50/50). That would not be fair for someone who has more before marriage.

I'm assuming it's still separate property. Anyone knows?
by Momus
Wed Nov 14, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6884

Re: Wait, do I need a prenup?

Without a clear term, I think spouse can still ask 1/2 retirement assets, no? And if you co mingle your taxable account, house, rental repairs/maintenence, it gets hard after sometime to do the math etc. Create a different brokerage after marriage and invest in a different fund in 401k after outlini...
by Momus
Wed Nov 14, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Mobile cellular hotspot for low data use
Replies: 17
Views: 1191

Re: Mobil cellular hotspot for low data use

Red pocket mobile via eBay https://slickdeals.net/share/android_app/fp/431341
10GB for 23/mo works with AT&T, or sprint

Or mint mobile 5GB $20/mo using tmobile cell towers.

You can't beat these.
by Momus
Wed Nov 14, 2018 1:06 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6243

Re: Point and shoot camera

http://www.ronmartblog.com/2018/07/sony-rx100-v-better-than-iphone-x.html Point and shoot, you should just get a decent flagship phone. In camera quality, that means you are buying... Huaweii P20 Pro > Pixel 3 > iPhone Xs Max (major improvement over iPhone X, way better dynamic range and better low ...
by Momus
Wed Nov 14, 2018 12:44 am
Forum: Investing - Help with Personal Investments
Topic: Looking to invest 80k for 3-5 years
Replies: 12
Views: 1745

Re: Looking to invest 80k for 3-5 years

4% 5 year CD Connexus Credit Union. To join, donate $5.

Dump all the money there, done...

At the end of 5 years, collect 96k, not bad for no risk :-D
by Momus
Tue Nov 13, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: New phone suggestions? My LG V20 phone is kicking the bucket.
Replies: 22
Views: 1393

Re: New phone suggestions? My LG V20 phone is kicking the bucket.

Why does your phone die? Most phones don't just die... Battery gone bad? If you buy it with cc you might be able to file extended warranty on it (2 yrs, it doubles the original warranty). The past week, the screen has randomly started going black, giving static, or flashing with it getting worse an...
by Momus
Tue Nov 13, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: New phone suggestions? My LG V20 phone is kicking the bucket.
Replies: 22
Views: 1393

Re: New phone suggestions? My LG V20 phone is kicking the bucket.

Why does your phone die? Most phones don't just die... Battery gone bad?

If you buy it with cc you might be able to file extended warranty on it (2 yrs, it doubles the original warranty).
by Momus
Tue Nov 13, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: New phone suggestions? My LG V20 phone is kicking the bucket.
Replies: 22
Views: 1393

Re: New phone suggestions? My LG V20 phone is kicking the bucket.

https://www.google.com/amp/s/www.theverge.com/platform/amp/2018/11/7/18073488/oneplus-6t-tmobile-300-trade-in-offer-deadline Omg you just missed this crazy deal... I'll just buy the phone still, it's amazing value for flagship performance, stock Android, no bloatware. Snapdragon 845, 8GB RAM, great ...
by Momus
Tue Nov 13, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19908

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

That's only 10% of your net income yearly. Most of us who have been investing a long time lost about 1-2 yr of income. Just stay the course... Keep buying more.
by Momus
Tue Nov 13, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Is my Android tablet too old?
Replies: 16
Views: 854

Re: Is my Android tablet too old?

Get a new tablet...

If you are running android 4 kitkat, I can imagine what kind of processor and RAM that tablet has (a crappy one)... You must be frustrated loading/opening anything. I believe pulling out a keyboard layout to type is a struggle with that low specs... Ask me how I know.
by Momus
Sat Nov 10, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index Fund Admiral Shares Question
Replies: 25
Views: 2973

Re: Vanguard Index Fund Admiral Shares Question

I don't like your hypothetical. But given the choice, I'd choose Total Stock Market, for the same reason I exchanged my actual holdings in Vanguard 500 index for Total Stock Market back in, maybe 2003 or so. I looked back at my reasons for choosing 500 Index in the first place. My reason was, as fa...
by Momus
Sat Nov 10, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard Prime Money Market Fund’s expense ration take out a large bite?
Replies: 3
Views: 917

Re: Does Vanguard Prime Money Market Fund’s expense ration take out a large bite?

Vanguard Prime MM or Fed MM already include expense ratio on their return. So, what you see is what you get 2-2.23% net return. I would move it yesterday if I were you.
by Momus
Fri Nov 09, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 5021

Re: Doing taxes by hand

Find a friend or two or three... who can split the cost with you. Buy the cd version... All you need the the software to download. Cheap trick of mine.
by Momus
Fri Nov 09, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 66
Views: 4521

Re: Recommend Chrome ad-blocker

Ublock let ads come thru sometimes. I noticed it a lot on YouTube at the beginning video after I switched from ad lock. So idk which one is better they have advantages and disadvantages. About the same on both. I probably gonna switch back to adblock coz even few ads on some ads YouTube is annoying....
by Momus
Thu Nov 08, 2018 5:21 am
Forum: Investing - Help with Personal Investments
Topic: difference going long on a leveraged etf and short on its inverse?
Replies: 14
Views: 1007

Re: difference going long on a leveraged etf and short on its inverse?

read the wiki mentioned above read the previous threads on inverse and leveraged funds the daily tracking-error will be compounded daily Site doesnt answer my question. And average return is still 3x s and p after expense ratio. I'm not caring too much about that decay, I know what it is. It makes ...
by Momus
Wed Nov 07, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6908

Re: Best deals to buy iphones

We pay via autopay, $60 for 2 lines unlimited data, no throttling on TMobile 55+. It’s cheaper and better than the plan we were on before where we paid more for 4 lines and less unthrottled data. I have a line with D as 2nd user on it and H has one with S as his 2nd user. I have not purchased a new...
by Momus
Wed Nov 07, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6908

Re: Best deals to buy iphones

We pay via autopay, $60 for 2 lines unlimited data, no throttling on TMobile 55+. It’s cheaper and better than the plan we were on before where we paid more for 4 lines and less unthrottled data. I have a line with D as 2nd user on it and H has one with S as his 2nd user. I have not purchased a new...
by Momus
Wed Nov 07, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6908

Re: Best deals to buy iphones

Cricket 4 lines unlimited everything $100/mo. Using AT&T towers. Speed is capped but you rarely see any difference. Tmobile one $140/4 lines unlimited everything with Netflix paid. No speed cap. Mint mobile (run under tmobile) 2GB 15/mo,5GB data for $20/mo, 10GB $25/mo. I use 2GB coz I ain't stupid ...
by Momus
Wed Nov 07, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 7980

Re: Move savings to Prime Money Market Fund (VMMXX)

wriley4409 wrote:
Wed Nov 07, 2018 10:55 am
If you live in a state with state and local income taxes, don't overlook VMFXX either. The effective yield after tax might be even higher than VMMXX.
How do you know what % get tax, what's not?

I'm in CA
by Momus
Wed Nov 07, 2018 2:41 am
Forum: Personal Consumer Issues
Topic: Need ideas for unusual gifts for preteen boy
Replies: 27
Views: 1760

Re: Need ideas for unusual gifts for preteen boy

A boy? PS4 or Xbox... Not exactly unusual but he WILL spend 8-10h/day playing that.. It will the most addictive practical gift. If he already have a console, get a couple games.
by Momus
Tue Nov 06, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7643

Re: Never thought of living in Bay Area but just got a call from Tesla

Only move if the offer is 2x at the very least. Not even kidding.
by Momus
Tue Nov 06, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 51
Views: 3894

Re: Paper or Paperless? How and what financial records do you keep?

Scan everything and throw it away for most stuff.
Make a folder on each tax year.
Keep tools/electronic receipt for warranty purposes.
by Momus
Tue Nov 06, 2018 1:37 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 712
Views: 116708

Re: High Earners - What's Your Profession?

I'm a pharmacist so low income for this board lmao... Here you see specialist doctors, dentists, lawyers, techies, software engineers making 350k-1M+ Feds, government agents, firefighters, police with tons of OT and crazy pension Then the side hussle successful bloggers, making 300-600k+/yr Manager ...
by Momus
Mon Nov 05, 2018 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tax software: online vs download versions
Replies: 15
Views: 1832

Re: Tax software: online vs download versions

I use TT. I ALWAYS get the cd version (hard copy)...

You can switch back and forth on the forms (forms mode). It's way better.

You can prepare multiple returns.

You can pass it among your friends and even sell it back...

Online version feels like an incomplete product without form mode.
by Momus
Mon Nov 05, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 122
Views: 18267

Re: Are we in trouble?

In real estate, if you haven't sold your house within the first month, you price it too high. Now, you will get low ballers thinking there is something wrong with the house. With 2 price cut, you lose a lot of leverage already the longer the house sit on the market and savy buyers KNOW this. Price i...
by Momus
Mon Nov 05, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Lock mortgage rate at 5%?
Replies: 34
Views: 3825

Re: Lock mortgage rate at 5%?

Run your scenario through Zillow Mortgage Rates for a realistic comparison to what's out there. These are pretty solid quotes, and we have had good luck in terms of service working with companies on the platform. 4.xx with 0 points on a 30 with 20% down should still be achievable. +1 I got 3.125% 3...
by Momus
Mon Nov 05, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: E. Jones/Vanguard and now Fisher Investments
Replies: 36
Views: 4810

Re: E. Jones/Vanguard and now Fisher Investments

Hmmm if you have large capital gain with EJ, how do you convert it to Vanguard? You are kind of stuck now, no? You don't have to sell everything to leave. Get a list of holdings and ask your new custodian what they can take in-kind. You increase your performance 1% just by getting out of AUM costs....
by Momus
Sun Nov 04, 2018 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: E. Jones/Vanguard and now Fisher Investments
Replies: 36
Views: 4810

Re: E. Jones/Vanguard and now Fisher Investments

Hmmm if you have large capital gain with EJ, how do you convert it to Vanguard? You are kind of stuck now, no?
by Momus
Sun Nov 04, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4193

Re: Mice [updated]

https://www.amazon.com/Intruder-30442-B ... ref=plSrch

+ peanut butter

4 dead mouse with this, way more sensitive than a crappy snap trap.
by Momus
Sun Nov 04, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 3029

Re: Is Cloud-Based YNAB Worth It?

I don't budget... Once you keep minimal expenses, you will save 50%+ gross income automatically. You don't need these apps.

There are hacks to get what you want for 20-30% of the cost for a lot of stuff.
by Momus
Sun Nov 04, 2018 3:00 am
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 8660

Re: WSJ FIRE

thanks for the links not behind the paywall. Attendees at “FI Chautauqua,” a week-long financial independence conference, spent up to $3,000 this year (not including airfare) to go to Greece and hear leaders in the FIRE community share tips. that doesn't sound particularly frugal. FIRE adherents ar...
by Momus
Sat Nov 03, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship Select
Replies: 12
Views: 3602

Re: Vanguard Flagship Select

Send them a message from your account for an upgrade once you reach 5M Vanguard only balance. Quick and easy.
by Momus
Sat Nov 03, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: TLH partners VSIAX, VEMAX, VSS
Replies: 13
Views: 1237

Re: TLH partners VSIAX, VEMAX, VSS

I wanted to write that VBR (aka VSIAX) and VSS are some of the least tax efficient index funds that I own. One should consider keeping them out of taxable accounts and have them only in tax-advantaged accounts where TLH partners are unneeded. My 401k doesn't offer VBR. Just Vanguard small cap domes...
by Momus
Sat Nov 03, 2018 2:29 am
Forum: Investing - Help with Personal Investments
Topic: TLH partners VSIAX, VEMAX, VSS
Replies: 13
Views: 1237

Re: TLH partners VSIAX, VEMAX, VSS

Damn, I wonder if I should just leave it alone.. Those couple precious mins could be a difference of 0.5-1% up and down. It's not very likely. A flash drop in the last 2 minutes of the day would be to your advantage. And I don't know that I've ever seen the market jump dramatically in the last 2 mi...
by Momus
Sat Nov 03, 2018 2:27 am
Forum: Investing - Help with Personal Investments
Topic: TLH partners VSIAX, VEMAX, VSS
Replies: 13
Views: 1237

Re: TLH partners VSIAX, VEMAX, VSS

How to avoid run up or down during the market day to TLH? I am switching from mutual funds to etf? Time it at 03:59 est to submit? Two choices: 1. Buy the ETF at ~3:57 PM ET. Immediately enter a sell order for an equivalent dollar amount of the mutual fund. You have to submit it by 3:59 PM ET. 2. C...