Search found 532 matches

by Momus
Thu Nov 15, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Mobile cellular hotspot for low data use
Replies: 17
Views: 1073

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: 1274

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: 1073

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: 6668

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: 6668

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: 6668

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: 1073

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: 126
Views: 5538

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: 1647

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: 1274

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: 1274

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: 1274

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: 113
Views: 16105

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: 828

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: 2859

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: 893

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: 4842

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: 61
Views: 3772

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: 978

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: 6648

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: 6648

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: 6648

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: 7506

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: 1688

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: 7457

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: 50
Views: 3579

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: 702
Views: 113550

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: 1787

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: 106
Views: 12727

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: 3717

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: 4681

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: 4681

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: 4113

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: 2862

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: 8478

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: 3551

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: 12
Views: 1035

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: 12
Views: 1035

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: 12
Views: 1035

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...
by Momus
Fri Nov 02, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Need New Phone?
Replies: 17
Views: 2173

Re: Need New Phone?

I liked the One Plus phones but quickly found out they are GSM, not CDMA. I prefer Verizon and Verizon MVNOs. So for me the best phones are in three tiers... Cheap (<$300) Motorola G series or IPhone SE Mid-range ($300 - $600) Google Pixel 2, older Motorola Z or X series, IPhone 7/8 High End (>$600...
by Momus
Fri Nov 02, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: Need New Phone?
Replies: 17
Views: 2173

Re: Need New Phone?

LOL!!! I refuse to pay over $1000 for any phone. I know I am cheap but the OnePlus 5t that I currently have is much better in every way than the Samsung Galaxy Note that I used previously. If you are into premium phones, read the reviews. OnePlus is pretty well liked, but it's not for everybody!!! ...
by Momus
Thu Nov 01, 2018 1:41 am
Forum: Investing - Theory, News & General
Topic: How much tax loss harvesting is your robo-advisor doing lately?
Replies: 15
Views: 1479

Re: How much tax loss harvesting is your robo-advisor doing lately?

The thing about losses is they become progressively less valuable. The first $3K are very valuable, but then it goes down from there. Given my account size now, I've got enough losses from the last 6 months that I may not benefit from much more tax loss harvesting for a decade or two. So even if Be...
by Momus
Wed Oct 31, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partners VSIAX, VEMAX, VSS
Replies: 12
Views: 1035

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...
by Momus
Wed Oct 31, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: retiring abroad with savings worth 200k...
Replies: 48
Views: 7180

Re: retiring abroad with savings worth 200k...

Not enough...you need at the very least 500k investment savings to live abroad.
by Momus
Wed Oct 31, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partners VSIAX, VEMAX, VSS
Replies: 12
Views: 1035

Re: TLH partners VSIAX, VEMAX, VSS

2. Yes. All normal, non-leveraged ETFs are commission-free at Vanguard. For VSIAX, I would use VIOV or IJS. I don't like the Russell 2000 indices. For VEMAX, I would use SPEM (S&P EM at 11 bp) or SCHE (Schwab EM at 13 bp). Like VWO, both exclude South Korea, treating SK as a developed market. IEMG ...
by Momus
Wed Oct 31, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Need New Phone?
Replies: 17
Views: 2173

Re: Need New Phone?

Oneplus 6T on tmobile on sale for $270 with trade in. Trade in with iPhone 6, oneplus one, nexus 6, galaxy 6, 7, note 5... Crazy they are willing to give you $300 on this old junk phone. $270 to compete with overpriced $1000-1500 iPhone and Samsungs. Oneplus also has almost 0 bloatware on their phon...
by Momus
Tue Oct 30, 2018 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partners VSIAX, VEMAX, VSS
Replies: 12
Views: 1035

TLH partners VSIAX, VEMAX, VSS

1. I am looking for TLH partners on these funds... • VSIAX (small cap value) > VIOV (Vanguard Small Cap 600 Value Index) > IJS (iShares 600 Value) > VRTVX (Russell 2000 Value Index) • VEMAX (emerging market) • VSS (small cap international ETF) 2. Is it true I can buy iShares, Fidelity, Schwap with n...
by Momus
Tue Oct 30, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX [Tax loss harvest - Vanguard Total International Stock]
Replies: 69
Views: 4784

Re: TLH VTIAX

I've added a couple to livesoft's sets VTSAX ---> VLCAX ---> VFIAX VTIAX ---> VFWAX ---> VTMGX VFIAX is Vanguard 500 Index Fund VTMGX is Vanguard Developed Markets Index Fund These last two aren't as comprehensive as the others, but I've been ok with TLHing into them when I've needed a third fund. ...
by Momus
Tue Oct 30, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Advise on getting a cheap new flooring
Replies: 21
Views: 1924

Re: Advise on getting a cheap new flooring

I'm thinking of replacing my carpet to vinyl or tile flooring. What's the best flooring that last a long time? Value/budget oriented. Need durability. You aren't going to get durability and long lasting times out of vinyl, tile, or engineered wood products. You aren't going to buy something durable...