Search found 4843 matches

by inbox788
Sun Apr 22, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Visitor to us needs SIM card for 2 weeks
Replies: 8
Views: 403

Visitor to us needs SIM card for 2 weeks

I searched and found several discussions about travel outside us, but couldn’t find one for visitors to us. I have a guest that needs a SIM card and around 100 minutes, 100 text and 1 GB data to use in the next 2 weeks, or maybe even less. I think they bought a month at H2O wireless last time they w...
by inbox788
Sat Apr 21, 2018 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: How much does tinkering hurt returns?
Replies: 16
Views: 1392

Re: How much does tinkering hurt returns?

+1. Yes I've heard that cost you 1-2 pp No, it’s costing you 1-2% not tinkering, IF you listen to those who tinker. https://www.bogleheads.org/forum/viewtopic.php?t=35493 Since the winds change constantly, sometimes it hurts and sometimes it helps, so it depends when you’re looking and what tilt yo...
by inbox788
Sat Apr 21, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Car for 23 year old
Replies: 27
Views: 1475

Re: Car for 23 year old

Used Lexus ES. Find the nicest one owner with low miles in your price range. I recently bought an 05 ES 330, 75k miles. $7k Beautiful car. Toyota reliable. Till the repair bills come Why do you say that? The ES330 is a Camry with a nicer interior. I’ve never though of Toyotas as expensive to keep o...
by inbox788
Sat Apr 21, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 62
Views: 3863

Re: Settlement Offer -- Accept or Wait?

I think your medical insurance company is going to want to be reimbursed. If you sign that agreement, you may be liable for the reimbursement of medical costs. That ambulance ride and ER Visit was likely a LOT more than $1800. You car insurance company will also want to be reimbursed. Without detai...
by inbox788
Sat Apr 21, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 57
Views: 4401

Re: Cheap cell phone plans

he might use it 1x/year Chances are on that day the phone won't be charged or won't work or the battery is dead and there isn't power nearby or he doesn't have the charging cord/plug. With such infrequent use, the service might have been cut off or expired. Most phones without service are supposed ...
by inbox788
Sat Apr 21, 2018 2:52 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 29
Views: 2212

Re: Negotiating for a new Toyota.[my fault comparing apples and oranges]

One more thought. If you ask for the prices on two cars they will not take you seriously since you are not saying that you are ready to buy today. Pick one then just ask for that price and say that you are ready to buy in your email. This^ I take the fact that you're asking about 2 cars you haven't...
by inbox788
Fri Apr 20, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 10995

Re: We crush stock indexes, Yale claims

If the Yale investment team does not beat the indexes, then they should be FIRED. Why is the team boasting about what they are paid to do, and expected to do? My reply to Yale investment team: So What? peace It's not just about Yale, but the same can be said of the 99 other top 100 endowment fund m...
by inbox788
Fri Apr 20, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 197
Views: 21948

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Honda better do something..I have crossed the CR-v off my list. It's off my list too. Have a couple of relatives who are looking and I've told them about the issue and neither is considering the CRV anymore. I'll probably be looking too in about a year, so hopefully they've resolve the issue by then.
by inbox788
Fri Apr 20, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 82
Views: 11191

Re: What online bank do you use?

Do you have to know the secret handshake? The highest rate I see is 2.35%. A quick google search found this reference: https://www.doctorofcredit.com/consumers-credit-union-5-07-apy-on-up-to-20000-rewards-checking/ There is a like to https://www.myconsumers.org/personal/checking You probably have t...
by inbox788
Fri Apr 20, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 166
Views: 10592

Re: Is Los Angeles a good place long term to live financially?

Minneapolis/Saint Paul year after year rates as a top 2 to top 10 (depending on source) place to live in the United States - However, you will have a very hard time finding a house that small. I'm just saying on a per square foot basis, you will be hard-pressed to find a single-family detached hous...
by inbox788
Fri Apr 20, 2018 1:54 am
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 166
Views: 10592

Re: Is Los Angeles a good place long term to live financially?

I'm guessing Des Moines. My guess was the twin cities, but man, prices are way higher. Maybe Columbus or St. Louis? https://www.zillow.com/homes/?searchQueryState=%7B%22mapBounds%22:%7B%22west%22:-93.273062,%22east%22:-93.262076,%22south%22:44.968984,%22north%22:44.973531%7D,%22pagination%22:%7B%22...
by inbox788
Thu Apr 19, 2018 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Grandparents requested our help to manage $300K
Replies: 21
Views: 2310

Re: Grandparents requested our help to manage $300K

They want this money specifically geared towards inheritance for siblings and grand siblings. Our plan would be to manage it and do just that. For the grand siblings, a 529 plan invested in equities should be considered. But realistically, a lot more needs to be known about their situation and wish...
by inbox788
Thu Apr 19, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Car value: old car with low mileage
Replies: 22
Views: 1415

Re: Car value: old car with low mileage

I had to actually look it up. I remember my 91 Honda saying 60k miles. I don't remember the time because I put 20k miles on the car a year. The penalty for not doing it and the belt snapping is that the engine becomes scrap metal. I expect a Corolla is as easy to change as my 4 cyl, single overhead...
by inbox788
Thu Apr 19, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 166
Views: 10592

Re: Is Los Angeles a good place long term to live financially?

All talk. We’ve seen it with his past posts. I did read his past posts and understand why some posters react the way they do, but I am also a bit surprised at the degree of the reaction. It seems some posters think that someone who is privileged couldn't have legitimate problems or need advice just...
by inbox788
Thu Apr 19, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 166
Views: 10592

Re: Is Los Angeles a good place long term to live financially?

Aren't you counting your chicks before they hatch? It sounds like 200k jobs abound in LA. You have to do the hard work befor you can even think of spending 4k a MONTH on fun!!!!! Not if OP has a big trust fund. If he graduates from a top business school, he’ll be half way there and with the money h...
by inbox788
Thu Apr 19, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Are you keeping more in cash?
Replies: 31
Views: 4207

Re: Are you keeping more in cash?

Yes. I was keeping less cash because of low interest rates, so now with interest rates rising, cash is desirable. Also, I was not only paying all my bills on time, but prepaying some of them, including taxes, which was providing a free loan to others, but now with rates heading towards 2%, I might j...
by inbox788
Thu Apr 19, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 4 fund that would be better than freedom fund?
Replies: 15
Views: 1135

Re: Fidelity 4 fund that would be better than freedom fund?

This will be a taxable account. Starting with $50,000. I am just looking for the best place. I do like Fidelity better With $50k, you can start with 1 fund FSTVX. Then as you get to $100k add FTIPX or FSITX. https://www.bogleheads.org/wiki/Three-fund_portfolio#Other_than_Vanguard.2C_Boglehead-style...
by inbox788
Thu Apr 19, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Tax-efficient fund placement?
Replies: 9
Views: 961

Re: Tax-efficient fund placement?

I think we can harvest about $30k in losses as we implement these changes. Tax Rate: 22% Federal, 7.4% State Age: 73 Desired Asset allocation: 60/40 ... Relative wants to keep 2-3 years of spending in high-interest savings acct, which we are counting toward the bond allocation. Yes, this creates dr...
by inbox788
Thu Apr 19, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 3916

Re: Costco Free Screenings

I wonder if this is a smart way for Costco to provide a public service along with helping itself. It's advertisement for the pharmacy and health products and gets some shoppers in the doors. Also, employees might use it and stay healthier or they may be required to do some testing/education that red...
by inbox788
Thu Apr 19, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Total Cost of Car Ownership over 10 years
Replies: 40
Views: 3155

Re: Total Cost of Car Ownership over 10 years

You are at 32 cents vs IRS rate 53.5. I don't drive a lot, and I've been budgeting $500/month (vs. OP $400). Honestly, I haven't added up the costs, but I think I'm under budget (folks are finding many forgotten miscellaneous items that can add up). Now if I drove more, my per mile costs would go u...
by inbox788
Thu Apr 19, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Any reason to have both Wellington and 2035 Target in 401k?
Replies: 2
Views: 213

Re: Any reason to have both Wellington and 2035 Target in 401k?

I think they have different AA. What is your desired AA? If it matches 2035 Target, then Wellington will take you away from that. What is your glidepath and how well does it match the target fund? If it doesn't, Wellington wouldn't be the fund I'd use to make adjustments. I'd use a straight 3-fund p...
by inbox788
Wed Apr 18, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: What advantages do a personalized portfolio have over a target date fund, in your opinion?
Replies: 49
Views: 2865

Re: What advantages do a personalized portfolio have over a target date fund, in your opinion?

I don't use target-date funds because I firmly believe that "one size does NOT fit all". I believe a portfolio should match the "individual's" risk tolerance and financial objectives and not the "herd mentality". But to each his/her own approach. I am quite willing and capable of making my own deci...
by inbox788
Wed Apr 18, 2018 7:03 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 10995

Re: We crush stock indexes, Yale claims

https://www.markovprocesses.com/blog/endowments/yale-endowment-a-levered-60-40/ I didn't see anyone posting this link, so I'll. In summary, it shows Yale's performance was similar to a 60/40 with 50% leverage. That said, I think it's difficult to implement in practice -- not that Yale doesn't have ...
by inbox788
Wed Apr 18, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Ooma, Ooma Telo Air, standard or premier, Obi200
Replies: 15
Views: 1192

Re: Ooma, Ooma Telo Air, standard or premier, Obi200

I have had Ooma for a number of years and overall have been very happy with it...Now the Ooma box flashes red all the time. I did see a thread on the Internet on troubleshooting this, but I am afraid that the box is dying and one day it will quit and that we will not have phone service until we rep...
by inbox788
Wed Apr 18, 2018 3:08 am
Forum: Investing - Help with Personal Investments
Topic: Help with Personal Investments, thanks for LOOKING!
Replies: 11
Views: 1344

Re: Help with Personal Investments, thanks for LOOKING!

Taxable 100% (VIGAX) Vanguard Growth Index Fund Admiral Shares 0.06% TAX-ADVANTAGE ACCOUNTS 75% Vanguard Institutional Index Fund (VINIX) (0.04%) 25% Vanguard Mid Capitalization Index Fund (VIMAX) (0.05%) 2nd 401k Company match: 2% 100% SSgA S&P 500 Index N (SVSPX) (0.16%) Agree with others that sa...
by inbox788
Wed Apr 18, 2018 2:39 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4169

Re: car at 80

Tell him to act his age. http://www.truecar.com/blog/2010/05/12/top-10-models-for-young-drivers/ Seriously, there are reasons why these cars are more popular with seniors, and googling seem to bring up the Lincoln Town Car as the quintessential favorite. The Lincoln Town car is a TERRIBLE choice. I...
by inbox788
Tue Apr 17, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help with CD ladder strategy for emergency fund
Replies: 36
Views: 2380

Re: Help with CD ladder strategy for emergency fund

With regular savings and money market accounts yielding 1.5-2%, you can put the entire amount there without tying it up until you decide what to do that's a lot better or CD rates rise. Or begin by putting 1/3 or 1/2 in a 2 year CD at 2.6%

https://www.bankrate.com/banking/savings/rates/
by inbox788
Tue Apr 17, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Help me explain why pre-tax investing can help when retiring in same bracket
Replies: 83
Views: 6483

Re: Help me explain why pre-tax investing can help when retiring in same bracket

Almost no one has a withdrawal marginal rate that is the same as their employed marginal rate, right? Unless they have a boatload of unearned/investment income or giant RMDs. In which case they can't have 100% of their assets in the Roth. I'm counting on my marginal rate in withdrawal being less. I...
by inbox788
Tue Apr 17, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: China Hustle Movie
Replies: 33
Views: 3857

Re: China Hustle Movie

With regard to this specific situation, despite being listed on US exchanges, none of these companies would qualify to be in a US market index fund. Among the advantages of getting foreign exposure through a domestic companies investment in a foreign area is there is at least some possibility of le...
by inbox788
Tue Apr 17, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 90
Views: 8564

Re: Wanting to leave Fidelity

Seems Vanguard wants me to sell all my 401k holdings prior to switching. Which, I do not want to do. I do not understand why they make things so hard to do. The ironic part is that all the holdings in the 401k are Vanguard ETFs. What are your holdings? Are there company specific holdings that are n...
by inbox788
Tue Apr 17, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4169

Re: car at 80

Tell him to act his age. http://www.truecar.com/blog/2010/05/12/top-10-models-for-young-drivers/ Seriously, there are reasons why these cars are more popular with seniors, and googling seem to bring up the Lincoln Town Car as the quintessential favorite. https://www.thestreet.com/story/11230364/1/10...
by inbox788
Mon Apr 16, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 197
Views: 21948

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I hope some of the folks here having the problem are leasing the vehicle. It's not likely there will be major issues in 3 years to worry about. This might be one of those times when leases are better than buying. And if they don't quickly resolve the matter, it might start impacting residual values....
by inbox788
Mon Apr 16, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 197
Views: 21948

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I opened a ticket with Honda Customer Service on the oil dilution problem. I asked what steps would be taken to address the issue. Here's what I got back. What the heck does this mean? It sounds like basically they aren't going to do anything. Is there any point to contacting Customer Service? Has ...
by inbox788
Mon Apr 16, 2018 12:57 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 10995

Re: We crush stock indexes, Yale claims

Found it! What Does Nevada’s $35 Billion Fund Manager Do All Day? Nothing Nevada goes passive to beat peers; BLT or tuna Mr. Edmundson, 44 years old, has until recently been a pension-world outlier. Other state retirement systems turned to complicated investments and costly money managers to try to ...
by inbox788
Mon Apr 16, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: What advantages do a personalized portfolio have over a target date fund, in your opinion?
Replies: 49
Views: 2865

Re: What advantages do a personalized portfolio have over a target date fund, in your opinion?

I've always done it for more control including tax optimization, but I'm wondering if there isn't some advantage in a target date fund taxwise vs rebalancing/glide in a taxable account.
by inbox788
Mon Apr 16, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 10995

Re: We crush stock indexes, Yale claims

[*] Taxes . Yale is a 501(c)3. They don’t pay any taxes on reallocations, rebalancing, etc. Eluding the Endowment Tax https://www.insidehighered.com/news/2018/01/02/wealthy-colleges-face-uncertainty-they-seek-ways-avoid-new-endowment-tax Is eluding avoiding or evading? Looks like some colleges and ...
by inbox788
Mon Apr 16, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 10995

Re: We crush stock indexes, Yale claims

I found this statement in a link in the report quite interesting: "The endowment sets performance hurdles for each investment strategy and “structures its partnerships so incentive fees are only paid when external partners outperform their benchmarks on a net basis.”" Sounds good when you hear it, ...
by inbox788
Mon Apr 16, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: How would you rotate these tires?
Replies: 20
Views: 1627

Re: How would you rotate these tires?

Move 8/32 from front left to front right. Move front right to rear left. Move rear left to rear right. Move rear right to front left. Next tire rotation, replace the 3 worn tires and move to regular rotation schedule. I would first ask where things were at the last rotation and how the tires are we...
by inbox788
Mon Apr 16, 2018 3:53 am
Forum: Personal Consumer Issues
Topic: Decisions on a Two Car Strategy
Replies: 24
Views: 2052

Re: Decisions on a Two Car Strategy

Avoid the 3 car situation if unnecessary. It's simplifying not worrying about insurance, registration, oil changes, maintenance, etc. on an additional car. Is there anything wrong with either vehicle? Just keep up with maintenance and both should last you another 5 or more years and approach 200k mi...
by inbox788
Mon Apr 16, 2018 2:53 am
Forum: Personal Consumer Issues
Topic: Anyone with experience with Carmax?
Replies: 58
Views: 19158

Re: Anyone with experience with Carmax?

I used this process last year. I found what I was looking for on Autotrader. I immediately went to the dealership. They had not even cleaned the car yet. After a test drive and brief negotiation I traded my used car for a Toyota Avalon. The salesman claimed there were several other people who also ...
by inbox788
Mon Apr 16, 2018 2:23 am
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3842

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

Over the course of time, I did notice that it was getting harder and harder to stop but, it being a lightly and seldom used vechicle, I ignored it. ...I was shocked to see that the old brake fluid was the color of Coca-Cola . One hour and a large bottle of new fluid. Problem solved. Could you see t...
by inbox788
Mon Apr 16, 2018 1:57 am
Forum: Personal Finance (Not Investing)
Topic: Would you switch investment advisor to save $3000+/yr?
Replies: 24
Views: 3339

Re: Would you switch investment advisor to save $3000+/yr?

How many hours a year does he talk to the investment advisor? How many hours of offline work are involved in managing the account? If quarterly meetings/phone calls, annual reviews and additional consultations were involved, plus expertise in tax efficiency and taking care of things on the backend, ...
by inbox788
Mon Apr 16, 2018 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Dog walker - Last Minute Schedule C Panic
Replies: 9
Views: 897

Re: Dog walker - Last Minute Schedule C Panic

No need to panic. More than a decade ago, I took a couple of years of office deductions. I think it made about a hundred or two differences in taxes or maybe less. When the business was shut down, there was no grand closing and I let my accountant take care of things, but I have this gnawing feeling...
by inbox788
Sun Apr 15, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Anyone with experience with Carmax?
Replies: 58
Views: 19158

Re: Anyone with experience with Carmax?

Roger12 wrote:
Sun Apr 08, 2018 8:25 pm
Bought a 2013 Arcadia from them that was advertise as an awd. Well 2 years later come to find out its a front wheel drive. Are they anything we can do.
Wow and wow.
by inbox788
Sun Apr 15, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: Angel investor breakfast
Replies: 19
Views: 2196

Re: Angel investor breakfast

From memory, the research does find angel investing produces above market returns, but the dispersion of returns is enormous. I haven't read anything about this, but I'd pay attention to the methods, samples and bias of any reports about return or lack there of. All situations are different and uni...
by inbox788
Sun Apr 15, 2018 5:01 pm
Forum: Investing - Theory, News & General
Topic: Angel investor breakfast
Replies: 19
Views: 2196

Re: Angel investor breakfast

[*] Governance . As an angel investor, he has board seats (and sometimes chairmanships) at his portfolio companies. Therefore, he has a hand influencing management decisions and corporate strategy for the better. The excess returns he generates is therefore not just his information advantage, but h...
by inbox788
Sun Apr 15, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can't afford health insurance -- options?
Replies: 23
Views: 2513

Re: Can't afford health insurance -- options?

Just wondering out loud, but what are the implications of separate insurance? Conventional wisdom says that family plans are simpler and less costly. Would Father/child on one policy separate from mother or mother/child and father lead to lower costs? Logistically, what are the complications when us...
by inbox788
Sun Apr 15, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Which would you choose if you were me ?
Replies: 29
Views: 2962

Re: Which would you choose if you were me ?

I switched in deference to folks who are more knowledgable than I am and who mostly react by throwing up their hands in horror at the words "junk bonds". Junk bonds overstates their risk. High Yield Bonds understate it. Two sides of the same coin. Risk adjusted, is the return better than a moderate...
by inbox788
Sun Apr 15, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: What hedge strategies do you employ?
Replies: 29
Views: 2459

Re: What hedge strategies do you employ?

Not sure how electric consumption would go up over time. Everything is becoming more efficient over time - bulbs, TV's, fridges, hvacs. So even if your consumption went up, the cost would probably stay flat. OTOH, I fully expect my consumption of chocolate and whisky to increase, maybe greater than...
by inbox788
Sun Apr 15, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3842

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

I think Honda is overkill on their brake fluid schedule in most situations. My Honda factory fill is eight nine years old and still not dark, but that's probably too long. There is a former Acura mechanic on Youtube that covered this. Apparently some dealer mechanics would simply use a turkey baste...