Search found 617 matches

by Mrxyz
Mon Jan 14, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9455

Re: Did you ever "win" big?

Attributing everything in life "fate" or "luck", is not only intellectually dishonest, its pure laziness. actually, continuing to believe in free will after science has shown otherwise "is not only intellectually dishonest, its [sic] pure laziness." https://www.google.com/search?client=firefox-b-1-...
by Mrxyz
Thu Jan 10, 2019 10:59 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9455

Re: Did you ever "win" big?

No but many many years ago, I had an etrade account for a few weeks, made around $2500, found someone else doing the same who is a compulsive gambler and was losing IT- money, wife, job and mental health! I cashed out and closed account.
by Mrxyz
Sun Jan 06, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Dashcam dual channel (front and rear) - user recommendations
Replies: 8
Views: 951

Dashcam dual channel (front and rear) - user recommendations

Hi, I wonder if you have any actual usage recommendations for car/van dash cams -dual channel with front and rear views. I have reviewed the prior threads by using the search function at the top right corner and also www.carcamcentral.com which has a lot (almost too much) information. Wonder if anyo...
by Mrxyz
Fri Jan 04, 2019 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I modify or stop my Disability Insurance?
Replies: 14
Views: 890

Re: Should I stop my Disability Insurance?

I am 52 and do not plan to retire until I am 60 plus. I have DI with employer- pays 60% of salary,is tax-free, after 90 day waiting period, and administered by Hartford. I am 'told' that it is quite difficult to get everything approved by this DI policy and thus got additional DI coverage through Gu...
by Mrxyz
Fri Jan 04, 2019 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Should I modify or stop my Disability Insurance?
Replies: 14
Views: 890

Should I modify or stop my Disability Insurance?

Hi all, Do I need to stop DI? My DI details are; $12,200 per month until 67 years Waiting period is 90 days COLA is 3% Catastrophic disability benefit is $8000 I pay $640 monthly I work full time for $250k plus /year - usually around $350k. My net worth excluding house and cars is around 2.5M I have...
by Mrxyz
Fri Dec 28, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1724

Re: TLH - need reassurance.... what did I miss? UPDATE

If you exchange VFWAX to VTIAX, that means you bought VTIAX, so if you sell VTIAX too soon at a loss that would be a wash sale which is easily taken care of. You can exchange VFWAX and VTIAX both into VTMGX. It is not substantially identical to either of them. That is a Vanguard single mutual fund ...
by Mrxyz
Thu Dec 27, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1724

Re: TLH - need reassurance.... what did I miss? UPDATE

Did the Wiki mention IXUS? No, it does not mention it! And on reading about it here; https://www.ishares.com/us/products/244048/ishares-core-msci-total-international-stock-etf It probably needs to be on that list..... So, I am guessing here but are you saying I should figure this out on my own by r...
by Mrxyz
Thu Dec 27, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1724

Re: TLH - need reassurance.... what did I miss? UPDATE

You missed my point about finding comparable funds. One doesn't need to use TLH discussions to find comparable funds. I do think I understand what you are pointing towards. For example; The wiki mentions the options for VTIAX and lists VDVIX (investor) as an option which is what you have suggested ...
by Mrxyz
Thu Dec 27, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1724

Re: TLH - need reassurance.... what did I miss? UPDATE

Other solutions: 1. Create a wash sale and deal with it. 2. Use non-Vanguard products, ETFs, etc. 3. Move to a US fund for a few weeks. 4. Do one fund at a time for each of 30 days. 5. ... As for lists of replacement shares, my answer is that (a) one should know what they bought in the first place ...
by Mrxyz
Thu Dec 27, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1724

Re: TLH - need reassurance.... what did I miss? UPDATE

If you exchange VFWAX to VTIAX, that means you bought VTIAX, so if you sell VTIAX too soon at a loss that would be a wash sale which is easily taken care of. You can exchange VFWAX and VTIAX both into VTMGX. It is not substantially identical to either of them. That is a Vanguard single mutual fund ...
by Mrxyz
Wed Dec 26, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1724

Re: TLH - need reassurance.... what did I miss?

UPDATE - So I did a TLH on November 20th which is now more than 31 days old. I sold VTIAX and bought VFWAX. Now I have losses in both accounts which I (think) I can TLH. VTIAX has losses of around $11k and VFWAX losses of around $8K. What is the best way of doing this? Do I exchange VFWAX for VTIAX...
by Mrxyz
Mon Dec 17, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1724

Re: TLH - need reassurance.... what did I miss?

1. Vanguard was not forthcoming about all the tricks one can use to get around their 30-day frequent trading policy, but their answer does not affect what you want to do anyways. The Vanguard answer did not consider that you might create a wash sale by buying on December 20th, did it? I thought I w...
by Mrxyz
Mon Dec 17, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1724

Re: TLH - need reassurance.... what did I miss?

Yes, you can TLH again. I suggest you wait a few days and exchange from VFWAX back into VTIAX. The wait is so you won't have a wash sale because you sold VTIAX less than 31 days ago. Homework: What day is the earliest day you can buy VTIAX? (It's a trick question! You can buy today, but you will cr...
by Mrxyz
Mon Dec 17, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1724

Re: TLH - need reassurance.... what did I miss?

.Changed my dividend and capital gains from auto invest to send to my bank. This I will invest manually on a quarterly basis or so. If you are going to reinvest quarterly why not put it in settlement fund or prime money market? It will most likely earn more interest than at your bank. Thanks.I will...
by Mrxyz
Mon Dec 17, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1724

Re: TLH - need reassurance.... what did I miss?

Yes, you can TLH again. I suggest you wait a few days and exchange from VFWAX back into VTIAX. The wait is so you won't have a wash sale because you sold VTIAX less than 31 days ago. Homework: What day is the earliest day you can buy VTIAX? (It's a trick question! You can buy today, but you will cr...
by Mrxyz
Mon Dec 17, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1724

Re: TLH - need reassurance.... what did I miss?

Hi I have done my first TLH today (Nov 21). Read the WCI and POF websites to learn but need some reassurance. 1. Changed the cost basis to specID last week 2. Found out that the cost basis for VTIAX showed a Total gain/loss section with a loss of - $9,272 today 2. Made sure I only have one fund inv...
by Mrxyz
Mon Dec 17, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 10112

Re: Can I retire

How can someone spend 250k a year in living expenses? Made me think and do some math. We spend 2k on gas, and electricity each, 3k on phone, 8k on disability, 6k on insurance 2k on car, 650 on HOA, county tax of 5k Car once every 10 year = 50G OR 5 G per year So this is roughly 35k/year minimum Res...
by Mrxyz
Sun Dec 16, 2018 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 10112

Re: Can I retire

How can someone spend 250k a year in living expenses? Made me think and do some math. We spend 2k on gas, and electricity each, 3k on phone, 8k on disability, 6k on insurance 2k on car, 650 on HOA, county tax of 5k Car once every 10 year = 50G OR 5 G per year So this is roughly 35k/year minimum Res...
by Mrxyz
Sun Dec 09, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 12055

Re: 20M Inheritance - What is best option for small/no risk on principal?

I really wonder if the OP will get as many response if the post was;

"$20,000 inheritance - What is the best option for small/no risk on principal?"

Does the answer touch on human perspective or behavior or failing?
by Mrxyz
Wed Nov 21, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1724

Re: TLH - need reassurance.... what did I miss?

Question - change both the capital gains and the dividend - is that correct? Yes. Any other recommendations? Keep a watch on the funds. Once 30 days have passed, if VFWAX hasn't increased, you may want to move back to VTIAX. If VTIAX continues to drop, you can TLH again, but note that the 30 day cl...
by Mrxyz
Wed Nov 21, 2018 1:43 am
Forum: Personal Finance (Not Investing)
Topic: TLH - need reassurance.... what did I miss? UPDATE
Replies: 26
Views: 1724

TLH - need reassurance.... what did I miss? UPDATE

Hi I have done my first TLH today. Read the WCI and POF websites to learn but need some reassurance. 1. Changed the cost basis to specID last week 2. Found out that the cost basis for VTIAX showed a Total gain/loss section with a loss of - $9,272 today 2. Made sure I only have one fund invested as V...
by Mrxyz
Fri Oct 19, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6664

Re: Did you retire because you hit your number?

I know my post is not replying to the OP's question but..... how do you decide your number? I just cannot! I have read many posts on this and I(no one) cannot predict the future of course but how can you decide on how much medical cost will be down the line, cost of living increases........etc etc. ...
by Mrxyz
Fri Oct 12, 2018 4:08 am
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 305
Views: 260703

Re: A time to EVALUATE your jitters

Some people certainly keep some powder dry, but to me that was basically timing the market. While the powder was sitting there, the market may have risen 50 percent. If you can dollar cost average, that to me is taking advantage of lower stock prices. Also, if you see your allocation is 10 percent ...
by Mrxyz
Fri Oct 12, 2018 12:21 am
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 305
Views: 260703

Re: A time to EVALUATE your jitters

Perhaps this has already been discussed.... Is there any rationale in keeping money ready to invest during 'downtime' or RBDs? Like dry powder? Or is there no need to do anything but keep contributing to the portfolio (3 fund in my case) investing every month a given amount ? -THIS is probable the c...
by Mrxyz
Tue Oct 09, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Kirkland (Costco) Razor
Replies: 31
Views: 3279

Re: Kirkland (Costco) Razor

https://www.target.com/p/men-s-triple-b ... -52585100

I use these without much difficulty - work fine.
8 for around $6.
by Mrxyz
Sat Oct 06, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier and humidity meter recommendations
Replies: 25
Views: 1991

Re: Dehumidifier and humidity meter recommendations

https://www.lowes.com/pd/Frigidaire-70-Pint-2-Speed-Dehumidifier/1000490425 I just bought this one online and will be shipped to me. Lets hope it works. Thanks Why do need the wifi capability? Isn't this something you set and forget? Good question. I do not know exactly how it works. Does it 'tell ...
by Mrxyz
Sat Oct 06, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier and humidity meter recommendations
Replies: 25
Views: 1991

Re: Dehumidifier and humidity meter recommendations

https://www.lowes.com/pd/Frigidaire-70- ... 1000490425

I just bought this one online and will be shipped to me. Lets hope it works.
Thanks
by Mrxyz
Thu Oct 04, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Dehumidifier and humidity meter recommendations
Replies: 25
Views: 1991

Re: Dehumidifier and humidity meter recommendations

Yes, putting it next to your HVAC shouldn't be an issue. Looking long-term, I'd recommend looking at getting a hybrid water heater (assuming your heater is electric). The hybrid heaters cool and dehumidify the surrounding spaces. I installed a hybrid water heater in my basement (~900 sq/ft) and hav...
by Mrxyz
Thu Oct 04, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Dehumidifier and humidity meter recommendations
Replies: 25
Views: 1991

Re: Dehumidifier and humidity meter recommendations

You can get a digital thermostat/humidistat at Lowes/HomeDepot. Look for one that shows current values and the min/max from the last 24 hours, this is good enough to put in in a few spots around the basement and understand what to do. Humidistats in general aren't very good, so expect a variation o...
by Mrxyz
Thu Oct 04, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Dehumidifier and humidity meter recommendations
Replies: 25
Views: 1991

Dehumidifier and humidity meter recommendations

Hi, Any recommendations on dehumidifier and humidity meter recommendations for a basement? The basement is around 1500 sq. feet and has 2 rooms. I do not know what the humidity levels are and need a humidity meter to confirm, but fairly sure it is higher than recommended. Also, the HVAC unit is in t...
by Mrxyz
Mon Sep 10, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: I think my father has a gambling problem
Replies: 78
Views: 6931

Re: I think my father has a gambling problem

My 2 cents - probably already mentioned/discussed, One can be addicted without losing money. And as a family member if you are concerned (and concerned enough to ask us), then there is likely an issue but it still needs to be confirmed. Of course, if someone's net worth is 5 M, then losing $1000 a m...
by Mrxyz
Sun Sep 09, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1424
Views: 235963

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Hi all, Looking for brokerage bonus for non IRA account. The shortest holding period I found was E-trade with 6 months. Any other banks that I missed with similar holding period? Thanks The basic Merrill Edge offer is 90 days. https://www.merrilledge.com/cmaoffer Thanks Yes, I just got out of ME af...
by Mrxyz
Sat Sep 08, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1424
Views: 235963

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Hi all, Looking for brokerage bonus for non IRA account. The shortest holding period I found was E-trade with 6 months. Any other banks that I missed with similar holding period? Thanks The basic Merrill Edge offer is 90 days. https://www.merrilledge.com/cmaoffer Thanks Yes, I just got out of ME af...
by Mrxyz
Sat Sep 08, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1424
Views: 235963

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Hi all,
Looking for brokerage bonus for non IRA account. The shortest holding period I found was E-trade with 6 months. Any other banks that I missed with similar holding period?
Thanks
by Mrxyz
Sun Jul 29, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5806

ACT test - got 34, try for 36?

Hi all,
My kid got 34 in ACT and wants to try for a 35 or 36.
What happens if repeat test scores lower?
Pros/cons? Is this recommended? does it make any difference with college applications?
Thanks
by Mrxyz
Tue Jun 05, 2018 1:57 am
Forum: Personal Consumer Issues
Topic: Buying 2018 Honda Pilot
Replies: 23
Views: 4039

Re: Buying 2018 Honda Pilot

Update -
I bought 2018 Honda Pilot AWD, EXL, with honda sensing for $35,200 plus $300 admin fee and Tax/title extra.
Thanks
by Mrxyz
Thu May 24, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: vinyl plank brands, which is best?
Replies: 13
Views: 1632

Re: vinyl plank brands, which is best?

Hi, I am about to install these in my basement as they are ideal - waterproof and look like wood planks. I am using Lowe's Smartcore brand which runs from 5 mm to around 7 mm thickness. The thicker ones are much better and they also come with a padded back and you do not need to use an underlayment ...
by Mrxyz
Tue May 01, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: How to book family vacation package?
Replies: 1
Views: 343

How to book family vacation package?

Hi all, We need to 'get out of town' and go for a family vacation in late June, July or early August. Will want to avoid cruises. Looking at 7 to 14 days. International is fine - looking at London, Spain, Costa Rica etc. I know that does not narrow it down but..... Willing to spend around 1.5 to 2G/...
by Mrxyz
Mon Apr 09, 2018 11:04 am
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 90
Views: 15950

Re: Too much Bogleheads.org?

"At first, I saw mountains as mountains and rivers as rivers. Then, I saw mountains were not mountains and rivers were not rivers. Finally, I see mountains again as mountains, and rivers again as rivers." Substitute "Bogleheads" for "mountains and rivers"! (disclosure - I spend lots of time on this ...
by Mrxyz
Thu Mar 22, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Buying 2018 Honda Pilot
Replies: 23
Views: 4039

Re: Buying 2018 Honda Pilot

I just negotiated a Pilot purchase for my parents this month. MSRP $39,635 EX-L AWD, sale price $34,700 + tax. They financed at 0.9%. Shoot for about 10% off plus dealer cash/finance cash. So, the EXL AWD with Honda Sensing is around $1000 more. I am not sure if your purchase had the Honda sensing ...
by Mrxyz
Wed Mar 21, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Buying 2018 Honda Pilot
Replies: 23
Views: 4039

Re: Buying 2018 Honda Pilot

I would go to the last page of the price paid thread on piloteers and work backwards to see what people are paying. I did this for my recent Honda Odyssey purchase. I then used Truecar through work to get initial quotes from dealerships in my region. I received two quotes that met my target price. ...
by Mrxyz
Wed Mar 21, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Buying 2018 Honda Pilot
Replies: 23
Views: 4039

Re: Buying 2018 Honda Pilot

We bought a 2017 Pilot EXL and paid a little more than you are without sensing.. sounds like a good price. FWIW I’ve never bought a Honda warranty, never felt the need. Don’t buy the accessories at the dealer, big markup. You can get them after, a lot of it cheaper from online dealers like bernardi...
by Mrxyz
Wed Mar 21, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Buying 2018 Honda Pilot
Replies: 23
Views: 4039

Re: Buying 2018 Honda Pilot

Do not buy Honda Care warranty. I made the mistake for my 2012 Honda Pilot and it was wasted. Never again! I have to agree with this. You're buying a Honda partly for the reliability. You may be right. But I am concerned about so much electronics in the car which has potential to go bad. The warran...
by Mrxyz
Wed Mar 21, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Buying 2018 Honda Pilot
Replies: 23
Views: 4039

Re: Buying 2018 Honda Pilot

bob60014 wrote:
Wed Mar 21, 2018 9:22 pm
Forget the accessories AND the warranty and upgrade to Touring.
So, I am worried about the transmission problems on Touring and Elite.
by Mrxyz
Wed Mar 21, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Buying 2018 Honda Pilot
Replies: 23
Views: 4039

Buying 2018 Honda Pilot

Hi I am likely to buy 2018 Honda Pilot EXL AWD with Honda sensing in the coming 1-2 weeks. Paying $36G plus tax and registration. Accessories - around $1000 - tint, door edge molding, side door panels, mats HondaCare - $1500-2000 - buy online Anyone with comparable prices? I looked up KBB, Edmunds a...
by Mrxyz
Wed Feb 21, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 12132

Re: Do you wear a wedding band? [at a job interview]

Male professional
Happily married
Ring cuts gloves at work, and so do not use it.
Too old to worry about what others think
Wife knows I do not and she is very comfortable with it
by Mrxyz
Fri Feb 16, 2018 4:25 am
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 3230

Re: Potentiometer for motor speed control- any electrical engineers around?

Update: Could not find a potentiometer. Could not find battery pack of NimH which do not exceed 9V. Smallest I found was 4 V (4 cell). And yes, I am not allowed to open the pack and rewire them. So, I could use two 4 V batteries but half speed is too slow. So used baffles (black and orange colored v...