Search found 7070 matches

by inbox788
Thu Jul 09, 2020 2:39 am
Forum: Personal Consumer Issues
Topic: Recommendation for a good efficient mini tower PC
Replies: 7
Views: 527

Re: Recommendation for a good efficient mini tower PC

I have a gaming PC that was a gift from my brother in law. I use it as my main PC but not for gaming... not at all. All the gamey stuff in it like the fat CPU and GPU just suck power and give off heat. That's no good because the bedroom is hot enough as it is. Also, he may have had too much fun ove...
by inbox788
Wed Jul 08, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: 1st Car Purchase - Volvo XC90 vs. Lexus RX350
Replies: 49
Views: 3213

Re: 1st Car Purchase - Volvo XC90 vs. Lexus RX350

The current generation of RXs are hideous compared to the XC90; the cargo room is also much smaller... But having owned Lexus for 12 years I'd still go with the RX. You will also likely hate the infotainment system and user interface in the XC90. Simple things like turning up and down the AC vents ...
by inbox788
Wed Jul 08, 2020 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate?
Replies: 50
Views: 2828

Re: Lexus 0% financing or $3000 cash rebate?

Never 0% finance or you will always pay the sticker price...the dealer will not negotiate. Never pay attention to advice that says "never" or "always." :happy There are sometimes 0% finance incentives that are NOT in lieu of a cash rebate (not the case here, it's a choice of one or the other), in w...
by inbox788
Wed Jul 08, 2020 12:31 am
Forum: Personal Consumer Issues
Topic: Pilot, Highlander or CX-9
Replies: 62
Views: 5486

Re: Pilot, Highlander or CX-9

Ouch...may have to scratch the Telluride off the list. I started kicking the tires on one to replace my 15 year old Pilot (SX Prestige), but am not liking the dealer responses I am seeing so far. One dealer offered to put me on their special "$5995 over MSRP wait list" and the others quoted me pric...
by inbox788
Tue Jul 07, 2020 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate?
Replies: 50
Views: 2828

Re: Lexus 0% financing or $3000 cash rebate?

Cash is King wrote:
Tue Jul 07, 2020 4:05 pm
Really? The $3,000 does not come into play when you choose to take 0% financing. I'm sure how this idea got started.
That's the question. Are we talking about "0% or $3000" or "0% and $3000"?

Op says:
worthit wrote:
Tue Jul 07, 2020 9:59 am
Which is a better deal - 0% financing up to 60 months or a $3000 cash rebate?
by inbox788
Tue Jul 07, 2020 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate?
Replies: 50
Views: 2828

Re: Lexus 0% financing or $3000 cash rebate?

As I understand the promotion, you have the option of EITHER $3,000 cash back OR 0% financing. This is a common promotion. It's a very common promotion but it does not mean if you take the 0% financing that $3,000 will be added to the purchase price.... But if you don't use the 0% financing, does $...
by inbox788
Tue Jul 07, 2020 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate?
Replies: 50
Views: 2828

Re: Lexus 0% financing or $3000 cash rebate?

...I would need to borrow at least $10K and make at least 4 payments (months) on the loan. Then, I could pay off the loan or refinance through another lender. My CU offers low interest rates, but considers a car "used" 90 days after the purchase date. Let me guess, the used car rates at the CU are ...
by inbox788
Tue Jul 07, 2020 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Actions at end of life to benefit heirs
Replies: 99
Views: 5920

Re: Actions at end of life to benefit heirs

So if I have an attorney retype the Willmaker PoA I'm good to go. Nice to know. Fortunately I know one who types really fast. The issues isn't who typed it, but who's signing and backing it. You can even defend yourself in court, but the judge has to sign off on that. I don't know if Vanguard or an...
by inbox788
Tue Jul 07, 2020 2:23 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 559
Views: 147261

Re: My New Car Buying Tips

The first dealership offered me the manufacturer's deal plus a standard $2K loyalty discount (for "returning customers"); i.e., a $5K discount off the MSRP. The second dealership is offering a $2K discount off the MSRP -- but it is unclear whether it is a loyalty rebate or an APR credit. It's the T...
by inbox788
Tue Jul 07, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: 1st Car Purchase - Volvo XC90 vs. Lexus RX350
Replies: 49
Views: 3213

Re: 1st Car Purchase - Volvo XC90 vs. Lexus RX350

FYI - XC90 is more of interest for cargo space than for its 3rd row. We make frequent 4-5 hour trips with 2 carseats, luggage, a large stroller and golf clubs. (We have family with the XC60 and it's just too small for what we are looking for right now and for the foreseeable future.) I dislike the ...
by inbox788
Tue Jul 07, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: 1st Car Purchase - Volvo XC90 vs. Lexus RX350
Replies: 49
Views: 3213

Re: 1st Car Purchase - Volvo XC90 vs. Lexus RX350

Same choice in 2016, but scared off by repair concerns and went with the RX. Turns out to have been the right decision as 2016 was the new model year and had more initial problems. It seems they've worked out some of the initial issues. Long term ownership is still a concern. https://www.carcomplain...
by inbox788
Tue Jul 07, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate?
Replies: 50
Views: 2828

Re: Lexus 0% financing or $3000 cash rebate?

Sure. If you take the zero percent financing you are not paying any interest upfront. Also, it's not added to the price of the vehicle. Technically you're not, but you kind of are if you sell the car in 6 months or a year or say it gets stolen or totaled. Not that common, but if it's close, take th...
by inbox788
Tue Jul 07, 2020 11:21 am
Forum: Investing - Theory, News & General
Topic: Fidelity Active ETFs
Replies: 20
Views: 1108

Re: Fidelity Active ETFs

On the other hand, and to bring this back to the OP, I am skeptical of the Fidelity Active New Millennium ETF which was linked. "Invests across sectors and market caps in emerging growth stocks that may benefit from opportunities created by long-term changes in the market." This is a much tougher n...
by inbox788
Tue Jul 07, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Lexus 0% financing or $3000 cash rebate?
Replies: 50
Views: 2828

Re: Lexus 0% financing or $3000 cash rebate?

Depends on the interest rate you'd otherwise be paying, or what you do with the excess cash (assuming you'd otherwise pay in full). This. And how much would you be otherwise financing, over what term? 2.39% for a 60 month term is the other option. I will be investing the difference in VTI or VOO. H...
by inbox788
Mon Jul 06, 2020 8:46 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Active ETFs
Replies: 20
Views: 1108

Re: Fidelity Active ETFs

There is a fair amount out there, mostly behind academic paywalls that I don't have access right now. There is a positive correlation between a portfolio manager's expense and its return. IIRC, the average active portfolio manager brings about 1.2% in extra gross return. i.e., before expenses. So m...
by inbox788
Mon Jul 06, 2020 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Actions at end of life to benefit heirs
Replies: 99
Views: 5920

Re: Actions at end of life to benefit heirs

I don't know how VG would be able to tell who was logging on. I've seen many people post about logging onto accounts for their parents or spouses and I've never heard of a problem. Let's see if anyone knows of problem. There may be conflict between power of attorney, what VG allows or how to do it,...
by inbox788
Mon Jul 06, 2020 4:58 pm
Forum: Personal Consumer Issues
Topic: Replacing odd-depth washer/dryer
Replies: 20
Views: 823

Re: Replacing odd-depth washer/dryer

Stupid idea, but what room is behind the washer? There's a couple of inches inside most walls, so you need a little extra room behind the washer for connections, you can put a hole in one side of the drywall. It might make more noise on the other side though. Maybe tight turn hoses might do the tric...
by inbox788
Mon Jul 06, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Actions at end of life to benefit heirs
Replies: 99
Views: 5920

Re: Actions at end of life to benefit heirs

Mom had 100k in medical bills in the final year of her life. She could have pulled 100k from the IRA to pay them essentially tax free. My tax rate is 37%. That would have saved 37k in taxes right there. Additionally she was in a much lower tax bracket than I. The other 13k would be due to the diffe...
by inbox788
Mon Jul 06, 2020 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Actions at end of life to benefit heirs
Replies: 99
Views: 5920

Re: Actions at end of life to benefit heirs

Certain actions taken by mom before her passing could have saved well over 50k in taxes on what she left for her heirs. I'm having trouble grasping what actions one can take in their last year that could lead to such a large tax savings. I can see about taking a 50k withdrawal with a 10% or 20% tax...
by inbox788
Mon Jul 06, 2020 1:15 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Active ETFs
Replies: 20
Views: 1108

Re: Fidelity Active ETFs

'Cheap' tends to lead to poor returns The success of several Vanguard actively managed mutual funds don't seem to line up with that statement. Which ones are you thinking about? I will tend to agree, but that is mostly because Vanguard tends to chose areas where the markets and indexes are ineffici...
by inbox788
Mon Jul 06, 2020 2:01 am
Forum: Personal Consumer Issues
Topic: I killed my washer --- Solved and working! thanks
Replies: 26
Views: 2712

Re: I killed my washer

Agree with others that the lid switch is a likely culprit. Most lids have a plastic projection on one corner that activates the switch when you close the lid. Check that you didn't accidentally knock it off when you were dragging pillows in and out. The machine will fill but won't operate if it thi...
by inbox788
Mon Jul 06, 2020 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning; Charitable Remainder Unitrust (CRUT)
Replies: 19
Views: 1048

Re: Estate planning; Charitable Remainder Unitrust (CRUT)

The best use of a charitable remainder trust is where the asset will produce ordinary income, such as nonqualified deferred compensation that's payable in a lump sum upon death. Along the same lines, a charitable remainder trust works well for IRA benefits payable over 10 years where the beneficiar...
by inbox788
Sun Jul 05, 2020 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning; Charitable Remainder Unitrust (CRUT)
Replies: 19
Views: 1048

Re: Estate planning; Charitable Remainder Unitrust (CRUT)

add a charity beneficiary to my 401K future Qualified Charitable Distributions (QCD) from RMDs create a Charitable Remainder Unitrust (CRUT) for a highly appreciated home when I sell. I thought QCD were the most efficient charity donation, reducing taxable income and 401k (pretax plans) next. Real ...
by inbox788
Sun Jul 05, 2020 8:22 pm
Forum: Investing - Theory, News & General
Topic: How to analyze having a paid-off mortgage in retirement?
Replies: 104
Views: 6385

Re: How to analyze having a paid-off mortgage in retirement?

Yes, the mortgage payment on the new house. I plan to sell the current house for cash and put the proceeds towards the ETFs. Then planning to purchase a new house in a new state. No renting involved and I don't plan to own two houses at the same time (unless there's a few months of necessary overla...
by inbox788
Sat Jul 04, 2020 5:00 pm
Forum: Investing - Theory, News & General
Topic: How to analyze having a paid-off mortgage in retirement?
Replies: 104
Views: 6385

Re: How to analyze having a paid-off mortgage in retirement?

This ends up being a partial Liability Matching Portfolio. I'm considering using utility-based high-dividend ETFs such as UTF or UTG which pay 7% to 8.5%. After the sale of my current house , I can buy enough such ETFs so the dividends pay the PITI, income taxes on the dividends, and HOA fee each y...
by inbox788
Sat Jul 04, 2020 4:37 pm
Forum: Personal Investments
Topic: Should I ever hold ESPP until a qualifying disposition?
Replies: 43
Views: 2231

Re: Should I ever hold ESPP until a qualifying disposition?

Thanks, I just checked the break even call strike price for my stock, the premium is 40% of current market value. How do I interpret this number? Date of expiration: January 2022 Strike price: $175 Premium: $90 Current stock price: $230 Does this mean the market expects the stock to be at $265 in J...
by inbox788
Sat Jul 04, 2020 1:40 am
Forum: Personal Investments
Topic: Should I ever hold ESPP until a qualifying disposition?
Replies: 43
Views: 2231

Re: Should I ever hold ESPP until a qualifying disposition?

The whole idea here is to assess whether it’s more likely or not that the stock will drop below the gains prior to the qualifying disposition date. So the fact that I now have an additional 25% cushion is a material fact. It seems to me the primary material facts are the timing of the purchases and...
by inbox788
Sat Jul 04, 2020 12:33 am
Forum: Personal Investments
Topic: Should I ever hold ESPP until a qualifying disposition?
Replies: 43
Views: 2231

Re: Should I ever hold ESPP until a qualifying disposition?

The whole idea here is to assess whether it’s more likely or not that the stock will drop below the gains prior to the qualifying disposition date. So the fact that I now have an additional 25% cushion is a material fact. It seems to me the primary material facts are the timing of the purchases and...
by inbox788
Sat Jul 04, 2020 12:23 am
Forum: Personal Consumer Issues
Topic: Risk with a malfunctioned fuel gauge
Replies: 51
Views: 2054

Re: Risk with a malfunctioned fuel gauge

The devil could be in determining which is wrong, the sender or the gauge. If your car has a DTE ( Distance to Empty ) function and that seems OK, then it's likely the gauge is bad, as both gauge and DTE use the same single sender. If both are out of whack, it's the sender or the wiring from the se...
by inbox788
Sat Jul 04, 2020 12:01 am
Forum: Personal Investments
Topic: Should I ever hold ESPP until a qualifying disposition?
Replies: 43
Views: 2231

Re: Should I ever hold ESPP until a qualifying disposition?

The whole idea here is to assess whether it’s more likely or not that the stock will drop below the gains prior to the qualifying disposition date. So the fact that I now have an additional 25% cushion is a material fact. It seems to me the primary material facts are the timing of the purchases and...
by inbox788
Fri Jul 03, 2020 6:10 pm
Forum: Investing - Theory, News & General
Topic: How to analyze having a paid-off mortgage in retirement?
Replies: 104
Views: 6385

Re: How to analyze having a paid-off mortgage in retirement?

Isn't your real estate exposure equal to the full value of your home, regardless of how much you owe on it? Good question. Many folks don't consider their home as real estate exposure at all. Some ignore their mortgage. And others forget that mortgage or no mortgage, they're not paying rent stream....
by inbox788
Fri Jul 03, 2020 12:03 pm
Forum: Personal Investments
Topic: Should I ever hold ESPP until a qualifying disposition?
Replies: 43
Views: 2231

Re: Should I ever hold ESPP until a qualifying disposition?

1. On 1/1/2020 the stock price is at $100 and the ESPP offering period begins. 2. On 7/1/2020 the first purchase period ends. The stock price is at $200. 3. $10k worth of shares are purchased for me at $85/share. I end up with 118 shares worth $23,600. 4a. If I sell immediately, I receive the follo...
by inbox788
Thu Jul 02, 2020 7:16 pm
Forum: Investing - Theory, News & General
Topic: How to analyze having a paid-off mortgage in retirement?
Replies: 104
Views: 6385

Re: How to analyze having a paid-off mortgage in retirement?

...the point of all of this is just to point out that paying off one's mortgage takes just a little more risk off of the table. Debt almost always incurs additional risk. The goal of many, after the accumulation phase, is to minimize their risk. For some, it's taking risk off the table. Personally,...
by inbox788
Thu Jul 02, 2020 12:00 am
Forum: Investing - Theory, News & General
Topic: How to analyze having a paid-off mortgage in retirement?
Replies: 104
Views: 6385

Re: How to analyze having a paid-off mortgage in retirement?

A suggestion I read on this BH site was to consider the mortgage as a "negative" bond. This give you a higher effective stock/bond ratio. The duration of the negative bond is also probably longer than your TBM holdings too, again adding to effective volatility. Yes, the mortgage interest is tax ded...
by inbox788
Wed Jul 01, 2020 9:04 pm
Forum: Investing - Theory, News & General
Topic: How to analyze having a paid-off mortgage in retirement?
Replies: 104
Views: 6385

Re: How to analyze having a paid-off mortgage in retirement?

It depends on the interest rate of the mortgage and your expected portfolio return. If you have, or refinance to one of the low interest rates currently available then any extra money you would use to payoff the mortgage early would be better invested in the market, assuming 7% annual returns. On t...
by inbox788
Wed Jul 01, 2020 8:44 pm
Forum: Personal Consumer Issues
Topic: iPhone 7 battery not staying charged full day....
Replies: 27
Views: 1445

Re: iPhone 7 battery not staying charged full day....

Phone about 3-3 1/2 years old. I need my phone to stay charged all day as I'm on call as a physician. I've turned down the brightness as much as I can. Should I get a new battery or new phone? The phone otherwise is adequate. Short answer: Get a new phone. Wait for the iPhone 12. Get the iPhone SE ...
by inbox788
Wed Jul 01, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: Renting an RV for the first time. Any advice?
Replies: 53
Views: 3369

Re: Renting an RV for the first time. Any advice?

What's the average daily rate or approximately how many days is your trip? You can get about 60 days at this guys daily asking rate, but looks a little shabby compared to what you're looking at. https://rvshare.com/rvs/details/1016438 The driver would stay at a hotel whenever we stop for the night. ...
by inbox788
Wed Jul 01, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: Renting an RV for the first time. Any advice?
Replies: 53
Views: 3369

Re: Renting an RV for the first time. Any advice?

No experience? Watch for low bridges and tunnels! LOL! Don't go here! [Durham, North Carolina] They raised it a little! "The Norfolk Southern–Gregson Street Overpass (commonly known as the 11-foot-8 Bridge and nicknamed The Can Opener or The Gregson Street Guillotine) is a railroad bridge in Durham...
by inbox788
Wed Jul 01, 2020 3:17 pm
Forum: Personal Consumer Issues
Topic: LG refrigerator not cooling--dump it and rebuy?
Replies: 30
Views: 1712

Re: LG refrigerator not cooling--dump it and rebuy?

I think pretty much all of the major appliances started coming into use by the 1950s. Even the microwave existed in the 1950s, but they weren't yet in common circulation due to being ridiculously expensive ($10k+ in today's $$$). You can DIY refrigeration systems with component parts, but it would ...
by inbox788
Wed Jul 01, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: SUV, 2 row, 40k USD
Replies: 41
Views: 2958

Re: SUV, 2 row, 40k USD

I apologise if sharing my experience offended you. I think that they do use the same sensing system in both vehicles and I hoped that sharing my experience might be helpful. I guess there could be some differences due to the height of the sensors that the system relies on but I doubt that makes muc...
by inbox788
Wed Jul 01, 2020 2:18 pm
Forum: Personal Consumer Issues
Topic: LG refrigerator not cooling--dump it and rebuy?
Replies: 30
Views: 1712

Re: LG refrigerator not cooling--dump it and rebuy?

While it is frustrating to have stuff fail (I'm dealing with a failed controller board on our Bosch dishwasher at the moment), I certainly would not trade our current appliance availability with that of 70 years ago. OT, but made me ask what household appliances we have today that weren't available...
by inbox788
Wed Jul 01, 2020 1:21 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying a Mercedes SUV
Replies: 42
Views: 2231

Re: Thinking of buying a Mercedes SUV

These options are definitely worth considering. On carmax, in my zipcode, MDX is similar in pricing to GLK, with Lexus being higher. Also, a lot less variation in Lexus models pricing for some reason. They are all roughly $26k. I was looking at facebook marketplace for my original pricing. A lot mo...
by inbox788
Wed Jul 01, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying a Mercedes SUV
Replies: 42
Views: 2231

Re: Thinking of buying a Mercedes SUV

I figure the $7-10k I save on a similar Lexus or Acura will go towards a lot of maintenance. What's a similar Lexus or Acura? Base 2015 RX is coming up between $15-20k at KBB. Same for MDX. At Carmax, low mileage comparisons $24-27k are also close. Are the options on the Mercedes significantly diff...
by inbox788
Wed Jul 01, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Please help me choose a ballast for fluorescent light
Replies: 21
Views: 924

Re: Please help me choose a ballast for fluorescent light

They make retrofit kits now that simplify the install. I'd encourage you to run the LED angle to the ground before abandoning it and just putting a band aid on your ceiling. I'm not taking sides on the "new ballast" vs "convert to LED" discussion. However, it's might be a bit of a stretch to call a...
by inbox788
Wed Jul 01, 2020 1:31 am
Forum: Personal Consumer Issues
Topic: SUV, 2 row, 40k USD
Replies: 41
Views: 2958

Re: SUV, 2 row, 40k USD

There is an Outback parked next to a RX-350 in my garage. They are basically identical in size. The Outback does have higher ground clearance, but that is just because the exhaust pipe of the Lexus drops down and up as is often the case for Toyotas. So the OP wrote they have a Subaru, but did not i...
by inbox788
Wed Jul 01, 2020 12:39 am
Forum: Personal Consumer Issues
Topic: LG refrigerator not cooling--dump it and rebuy?
Replies: 30
Views: 1712

Re: LG refrigerator not cooling--dump it and rebuy?

Are you sure the compressor has died and its not the overload or start relay switches? If it is just the switches, that would likely only be a $20 DIY fix. I fixed a refrigerator by switching out the start relay that was burned out from a failing compressor (learned the hard way). Worked for a week...
by inbox788
Tue Jun 30, 2020 9:51 pm
Forum: Personal Consumer Issues
Topic: Renting an RV for the first time. Any advice?
Replies: 53
Views: 3369

Re: Renting an RV for the first time. Any advice?

I love RVs and camping. In your case you shouldn't rent one if you don't like camping and want to eat out a lot. I'm not exactly sure how you plan to eat out (are you towing a car to get around in?). You sound more like someone who should road trip and stay in nice motels and then go out hiking, si...
by inbox788
Mon Jun 29, 2020 1:35 pm
Forum: Personal Investments
Topic: Participate in ESPP?
Replies: 28
Views: 1243

Re: Participate in ESPP?

If this is a standard ESPP, then your holding period is 18 months for a qualifying sale, not 2 years. Ie the qualifying period is 2 years from grant and 1 year from purchase, making it 18 months from purchase in your case. Note if you sell between 12-18 months after purchase, you'll still get LTCG ...
by inbox788
Mon Jun 29, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: When to replace the Weber grille
Replies: 22
Views: 2059

Re: When to replace the Weber grille

Not sure about the kettle grills, but the Genesis gas grills are substantially flimsier now than they were 15 years ago, with a lot more stamped metal parts in the frame. The country of origin for at least some models has also changed over that time as well. I just bought a ~2005 Genesis for $150 t...
by inbox788
Sun Jun 28, 2020 10:49 pm
Forum: Personal Investments
Topic: Participate in ESPP?
Replies: 28
Views: 1243

Re: Participate in ESPP?

The 2nd half of year is 6 month look back so get lower price of July 1 or Dec 31 I am tempted to hold two years because the difference in tax rate is 25% ordinary tax rate versus 15% capital gains so I can capture an extra 10% by holding another 12 months. So holding 24 months I would potentially g...