Search found 5370 matches

by inbox788
Thu Sep 20, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: YouTube Home workout vidoes
Replies: 15
Views: 567

Re: Home workouts

Burpees Edited - also check YouTube. There’s a million workouts - of course some better than others - but it’s a good way to see stuff you might enjoy actually doing. With Halloween approaching (candy display was already up 2 weeks ago at Target): https://scontent-ort2-1.cdninstagram.com/vp/1287249...
by inbox788
Thu Sep 20, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: overcast is eating up my data plan
Replies: 3
Views: 427

Re: overcast is eating up my data plan

Are there ads? Video ads? That's probably what's consuming the data.
by inbox788
Thu Sep 20, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly parents are in debt - Need advice
Replies: 37
Views: 3882

Re: Elderly parents are in debt - Need advice

Someone correct me if I am wrong, but you'd have to prove that you rely on their income to survive before adding yourself to the policy. Interesting question I know little about, but it's interesting what this says about insurable interest in the UK. No section on US yet. A person is presumed to ha...
by inbox788
Thu Sep 20, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Universal Life article in WSJ 9/20/18
Replies: 10
Views: 877

Re: Universal Life article in WSJ 9/20/18

Couldn't help noticing a number of people quoted were insurance agents who bought into the product they sold. Like some products today, the agents selling them don't themselves truly understand what they're selling.
by inbox788
Thu Sep 20, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Why are there so few long-term investors?
Replies: 18
Views: 2495

Re: Why are there so few long-term investors?

Why are there so few long-term investors? Most funds and ETFs have such great turnover. After Warren Buffett you would be hard pressed to think of the next big long term investor. Who do you mean by "investor"? Managers or funds themselves or their customers? https://www.investopedia.com/ask/answer...
by inbox788
Wed Sep 19, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Taking Over Management of $7M Portfolio - Need Review/Help Allocating
Replies: 50
Views: 3850

Re: Taking Over Management of $7M Portfolio - Need Review/Help Allocating

How did you decide upon the 70/30 AA? Since family is involved and the timeframe for distribution could be very soon, I would think you would want to prioritize capital preservation over growth. I'm actually taking the stock portion down from 86% (81% stock and 5% REIT) to 70% (65% stock, 5% REIT),...
by inbox788
Wed Sep 19, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 2677

Re: Experiences downsizing to single car

How much does it cost to keep an extra car ? Obviously, it will vary depending on the car and where you live. But even if you rarely drive it, you need to pay for insurance and tags. So those are fixed costs. It's not just financial. It's time and space. My car is overdue for an oil change, so I ha...
by inbox788
Wed Sep 19, 2018 2:49 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Pro & Camcorder help!
Replies: 8
Views: 502

Re: Apple MacBook Pro & Camcorder help!

My quick search found that the PV-GS9 is a miniDV camcorder. It has a firewire port, which would be the way to go if your Macbook Pro is old enough to be equipped with a firewire port. Otherwise, you'll likely need a USB capture device to capture from the A/V output. Maybe something like this? http...
by inbox788
Tue Sep 18, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly parents are in debt - Need advice
Replies: 37
Views: 3882

Re: Elderly parents are in debt - Need advice

What type of policy and what are the costs? Any cash out value? The poor health may change the risk/benefit value of the policy, but is it totally clear it's worth keeping? What happens to the policy in bankruptcy?

https://hainesandkrieger.com/what-happe ... ankruptcy/
by inbox788
Tue Sep 18, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2107

Re: $180 IPhone SE or $90 Iphone 5S

There is always the iPhone upgrade program where you get a new phone every year to stay cutting edge. :beer https://www.apple.com/shop/iphone/iphone-upgrade-program Apple has the GiveBack program where you can trade in an older phone for some value as long as it is working and in good shape. https:...
by inbox788
Tue Sep 18, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 78
Views: 5298

Re: Leasing Cars in Retirement

Obviously, this varies given the situation. Who says you have to take out the whole cost of a car in one year? With the lease there is typically money down and monthly payments which is money that could go toward the new car. If one lump sum puts you in the next tax bracket, do it over multiple yea...
by inbox788
Tue Sep 18, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 58
Views: 5230

Re: I see now why Rollovers can take FOREVER ....

...So far we spent an entire football game working on this. If I was billing out my hours for this, I would charge over $500 for this service. Who would pay $500 in order to get less than $200? I can see how a Vanguard CSR would just want to throw up their hands for working on some of these rollove...
by inbox788
Tue Sep 18, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2107

Re: $180 IPhone SE or $90 Iphone 5S

Apparently I’m not the only one annoyed that the SE-sized iPhones are likely to be phased out. I find the size of the 7s and up to be both harder to use in my smallish hands and much less comfortable in front pant or shirt pocket. SE, 6, 6S and the X were all discontinued as of last Wednesday, Sept...
by inbox788
Tue Sep 18, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Bond Funds vs. Individual Bonds: Can someone quanitfy?
Replies: 21
Views: 1217

Re: Bond Funds vs. Individual Bonds: Can someone quanitfy?

Many individual investors who purchase individual bonds tend to hold them to maturity. This means that the average effective duration of the bond portfolio slowly decreases over time. ... The primary advantage of owning individual bonds isn't going to be higher returns, but rather greater certainty...
by inbox788
Tue Sep 18, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2544

Re: Bank of America credit card “feature” (be careful with autopay)

Personally, I use auto pay very sparingly, and only for recurring exact amounts ( such as home mortgage, insurance premiums, etc). No auto pay for credit cards, utilities, etc for me - just too many ways for the process to get tripped up. Such as when I got an erroneous $2,000 water bill a couple o...
by inbox788
Tue Sep 18, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 78
Views: 5298

Re: Leasing Cars in Retirement

Op here.....keywords are IN RETIREMENT. All purchases in our case would trigger a large taxable event, looking at how leasing might offset that or not...... Are you selling stocks? How long do you plan to keep your cars? How many miles do you drive a year? Isn't leasing just delaying the taxes? Is ...
by inbox788
Tue Sep 18, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 483
Views: 70967

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

Just got this email from the dealer where I bought the CRV and just took it in for the oil dilution issue. Coincidence or cause- and - effect? Vehicle is less than 14 months old and I don't ever recall an offer to trade one that soon. Maybe all the oil-dilution owners are viewed as ripe fruit. base...
by inbox788
Tue Sep 18, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. EJ vs. Fidelity
Replies: 13
Views: 941

Re: Vanguard vs. EJ vs. Fidelity

The company is moving the 401k plan to another company to manage it. I’ve read and heard nothing good about Empower Retirement services. The company was paying all fees on the account, now all the fees are being passed onto us. Based on everything I read, I am not comfortable with Empower. Your con...
by inbox788
Tue Sep 18, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2468

Re: How can I buy ALIBABA and TENCENT stock?

Before you buy BABA make sure you know exactly what you are buying as you are not buying a direct share in ALIBABA. Do a search on Google and on this forum. Same when buying inexact proxies like AABA, that are a step further removed. It drove me nuts trying to figure out whether international funds...
by inbox788
Mon Sep 17, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor suggesting 7 Bond funds for my 40%
Replies: 44
Views: 5054

Re: Vanguard Advisor suggesting 7 Bond funds for my 40%

I think all of the responses assume that the OP has one taxable account and one tax-advantaged account. That's unlikely. The OP could have a taxable trust, a joint taxable account, a couple of inherited IRAs, a spouse with their own accounts, .... For instance, there could be a small inherited IRA ...
by inbox788
Mon Sep 17, 2018 10:44 pm
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2468

Re: How can I buy ALIBABA and TENCENT stock?

The easiest way is to buy the corresponding ADRs BABA and TCEHY. It is possible to trade on a foreign exchanges though, if that's what you are asking. Probably you need to look at buying H-shares (Hong Kong) due to Chinese capital flow and foreign investment restrictions. Yahoo became Altababa (NAS...
by inbox788
Mon Sep 17, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Whole Life vs Universal Life Insurance
Replies: 24
Views: 948

Re: Whole Life vs Universal Life Insurance

I am 29, and want to start a life insurance policy. I am attracted to the permanent plans... Did you seek out life insurance yourself, or have you been talking to insurance sales people (or financial "advisors" who are secretly insurance sales people -- ask them how they get paid)? These aren't the...
by inbox788
Mon Sep 17, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: are iPad Minis obsolete?
Replies: 28
Views: 2883

Re: are iPad Minis obsolete?

Hard to know exactly what Apple is thinking but my guess is that since the iPhone Xs Max 6.5" screen size is creeping closer to the size of a 7.9" iPad Mini Apple is debating whether to put more investment into the iPad mini. Yes, it's obsolete. It's in no mans land. Just get an iPhone XS if size a...
by inbox788
Mon Sep 17, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 2677

Re: Experiences downsizing to single car

Somewhat similar to your situation but we haveUber/Lyft in our area. We have one old car and when either one of us has to go out of town, we just rent a car. If you rent locally instead of the airport, it is very reasonable. For the time being, I'm resigned to admit that I use a car enough to need ...
by inbox788
Mon Sep 17, 2018 2:13 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor suggesting 7 Bond funds for my 40%
Replies: 44
Views: 5054

Re: Vanguard Advisor suggesting 7 Bond funds for my 40%

1) Questions is 7 bond funds too many? 2) Whats simpler with similar yield and safety? Yikes! Yes too many. What is the yield and safety from the 7 funds? For most, Total Bond or Intermediate Bond should be close enough if not better. There's a good chance more funds is diworsification. https://www...
by inbox788
Sun Sep 16, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 2677

Re: Experiences downsizing to single car

Somewhat similar to your situation but we haveUber/Lyft in our area. We have one old car and when either one of us has to go out of town, we just rent a car. If you rent locally instead of the airport, it is very reasonable. How do you get to/from the car rental? That and the trouble/time/cost of r...
by inbox788
Sun Sep 16, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Considering an HSA with a baby on the way - good idea or bad?
Replies: 9
Views: 732

Re: Considering an HSA with a baby on the way - good idea or bad?

First off, don’t stress. You have health insurance, and are just trying to choose the better choice. There doesn’t seem to be enough information to make the best decision, and that’s just choosing the plan. With no immediate factors, HSA are often a better risk reward, but like you’re figuring out, ...
by inbox788
Sat Sep 15, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: ESOP, Options, Restricted Shares holders: When do you sell?
Replies: 21
Views: 977

Re: ESOP, Options, Restricted Shares holders: When do you sell?

My company stock has averaged about a 20% annual return since I started. This is less than my average portfolio return. Hindsight says I should have held all my company stock. Foresight isn't as clear, but my conscience is. Are you saying "my average portfolio return" exceeded "20% annual return" d...
by inbox788
Sat Sep 15, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 93
Views: 6337

Re: Delaying Social Security Until 70

If you are single the calculations are simple :all that matters is how long you willlive My father died at 55 my mom at 75.I understood I would have to live till 78 to come out ahead if I waited till 70 so I didn't take it at 62 but took it when I retired. ifI am wrong won't go broke and taking it ...
by inbox788
Sat Sep 15, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Cheapest smartphone option for 2 weeks
Replies: 12
Views: 806

Re: Cheapest smartphone option for 2 weeks

student wrote:
Fri Sep 14, 2018 1:48 pm
You may want to consider a prepaid plan with a phone. If it is is just for 2 weeks, can you do without a phone?
Are you trying to keep your number? Can you?

I like the no phone idea.
by inbox788
Sat Sep 15, 2018 3:02 am
Forum: Investing - Help with Personal Investments
Topic: DAF > Roth IRA? 12% tax bracket, no taxable
Replies: 46
Views: 3532

Re: DAF > Roth IRA? 12% tax bracket, no taxable

Yet another idea I've had is "using a DAF" to pay for college expenses: 1) DAF assets will not show up on a FAFSA, potentially allowing you to qualify for some kind of aid. 2) Additionally, tax clumping during FAFSA years may also increase eligibility for aid. 3) A person committed to charitable gi...
by inbox788
Fri Sep 14, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: ESOP, Options, Restricted Shares holders: When do you sell?
Replies: 21
Views: 977

Re: ESOP, Options, Restricted Shares holders: When do you sell?

My company stock has averaged about a 20% annual return since I started. This is less than my average portfolio return. Hindsight says I should have held all my company stock. Foresight isn't as clear, but my conscience is. Are you saying "my average portfolio return" exceeded "20% annual return" d...
by inbox788
Fri Sep 14, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 78
Views: 5298

Re: Leasing Cars in Retirement

1. Driving cars with new/current technology 2. Car under warranty for entire term of lease 3. Tired of selling cars (can be a real PITA) 4. Very hard to keep cars in mint condition - too many people who park righ next to you and don’t care about your property. 5. Less worry about little nicks and d...
by inbox788
Thu Sep 13, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 9847

Re: Massive Student Loan Debt - Fiancee

Suze Orman promotes this method, or she used to when she was on TV Saw her earlier today plugging a new book. See comments around 4 and a half minutes into the clip. https://www.cnbc.com/video/2018/09/13/suze-orman-on-women-in-the-workplace-you-cant-have-power-without-money-jobs-book-career-men.html
by inbox788
Thu Sep 13, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: New car or used?
Replies: 6
Views: 618

Re: New car or used?

Does the Accord have the same engine that's giving the CRV trouble? I've crossed CR-V off my list and Civic and Accord that shares same engine. If you're leasing the car, it may not matter, but if you're keeping long term, be more cautious. How bad is the decision of buying a 2018 Honda CR-V conside...
by inbox788
Thu Sep 13, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: DAF > Roth IRA? 12% tax bracket, no taxable
Replies: 46
Views: 3532

Re: DAF > Roth IRA? 12% tax bracket, no taxable

Hmm, the compounded growth tax benefit could continue if you to feed the DAF with your ongoing cash flow & taxable. Still doesn't get back Roth space AFAIK. This situation seems likely for moderate earners with high savings rates, and I imagine there are quite a few Bogleheads who fall into that ca...
by inbox788
Thu Sep 13, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: DAF > Roth IRA? 12% tax bracket, no taxable
Replies: 46
Views: 3532

Re: DAF > Roth IRA? 12% tax bracket, no taxable

Except you can, and much more. Every year that you itemize, you can make a "free" Roth conversion. (You'd have to decide which you'd rather have, increased Roth space or the tax savings as cash in hand.) I'm not sure I understand this correctly. Years when you're taking the standard deduction doesn...
by inbox788
Thu Sep 13, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 9847

Re: Massive Student Loan Debt - Fiancee

What are the job prospects and potential salary range she is looking at? I question the PSLF as a route as likely she should be able to get a really good job and pay off the debt with your combined household income. Of course if she takes some low paying public service job things will be different ...
by inbox788
Thu Sep 13, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2453

Re: Anyone into Essential Oils?

I'm allergic to many of these so called essential oils. YMMV
by inbox788
Thu Sep 13, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Credit card advice
Replies: 22
Views: 1344

Re: Credit card advice

Yes, simplify. There is such a thing as too much credit. There was one thread where someone had 5 cards totaling over $100k in credit limit that I think is too much for me. One person reported they had to reduce their total credit to below their annual salary to qualify for mortgage. So, is there an...
by inbox788
Wed Sep 12, 2018 1:24 am
Forum: Personal Finance (Not Investing)
Topic: dumb dentist question - canceling whole life insurance
Replies: 19
Views: 1868

Re: dumb dentist question - canceling whole life insurance

Think of it this way: you realized it was a mistake with only a years worth of premiums. Every month you delay getting rid of it makes the mistake bigger. Set up your term life tomorrow, cancel the whole life the day after. Lesson learned, move on. If you want to pursue the 1035 exchange, call vang...
by inbox788
Tue Sep 11, 2018 12:25 am
Forum: Investing - Help with Personal Investments
Topic: One bond fund is enough?
Replies: 16
Views: 1671

Re: One bond fund is enough?

Vanguard seems to be pushing "International Bonds" pretty heavy for some reason. I don't see anyone else in the investment punditry that I hold with any regard advising international bonds, least of all the currency hedged ones in Vanguard's fund. There is overlap between Total Bond and the other f...
by inbox788
Tue Sep 11, 2018 12:09 am
Forum: Investing - Theory, News & General
Topic: Moved to 100% FDIC Insured Cash today (college money needed in 3 years)
Replies: 26
Views: 2198

Re: Moved to 100% FDIC Insured Cash today (college money needed in 3 years)

Not sure that's what I'd do, but if it funds your needs and you want a safer option, by all means do what's comfortable. If the funds in the 529 are not good, you may be able to shuffle some funds around and achieve the same overall risk and AA with better, lower cost or higher return funds. It's si...
by inbox788
Mon Sep 10, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: DAF > Roth IRA? 12% tax bracket, no taxable
Replies: 46
Views: 3532

Re: DAF > Roth IRA? 12% tax bracket, no taxable

Benchmark: $18k in a Roth IRA, earning 6% compounding interest, starting in year 2019. ... 2019 $18k withdrawn from Roth IRA, given to DAF. This is 150% of annual giving to prevent DAF from bottoming out. Each month $1k is put in DAF and DAF gives $1k to charity DAF ending balance is $18k Itemize t...
by inbox788
Mon Sep 10, 2018 1:23 am
Forum: Investing - Help with Personal Investments
Topic: DAF > Roth IRA? 12% tax bracket, no taxable
Replies: 46
Views: 3532

Re: DAF > Roth IRA? 12% tax bracket, no taxable

Interesting idea, but I’m having trouble after several readings following the different starting points and end points. I’d like to see what happens if you equalize the end points, similar to zero down car leases to eliminate down payment effect. Also, the lease cars are returned as well as the comp...
by inbox788
Mon Sep 10, 2018 12:58 am
Forum: Personal Finance (Not Investing)
Topic: $250,000 family loan to parents?
Replies: 50
Views: 4486

Re: $250,000 family loan to parents?

Please forgive my ignorance, but if parents needed $25k, you could simply lend them the cash and not charge any interest. If there is any interest requirement, if rate is less than 4%, then the gift of interest is less than $1000. If loan was paid back in 3-6 months, the whole transactions should be...
by inbox788
Sun Sep 09, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: Put Options
Replies: 27
Views: 1148

Re: Put Options

buying put options is a suckers bet. they are way overpriced. Is this the "Volatility Smile" to which you are referring? Or some more general property of Put options? It makes sense that they should be overpriced in the case of Amazon. A company like Amazon will have a lot of connected parties like...
by inbox788
Sun Sep 09, 2018 1:31 am
Forum: Investing - Help with Personal Investments
Topic: How to invest a large sum of money.
Replies: 9
Views: 2146

Re: How to invest a large sum of money.

This makes a lot of sense. For the bond portion of my asset allocation should I be investing in the CA Intermediate Tax Exempt bond fund or the Total Bond Fund ? I am in the 22% fed bracket and 8% State. Lastly is a HSA account worth it as a resident of CA. No, it doesn’t matter terribly what bond ...
by inbox788
Sat Sep 08, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 9638

Re: What will you do when you find you have more money than expected?

....I calculate my net worth twice a year.................am also at the point where I am more interested in getting rid of "stuff" than getting more "stuff". Only twice a year? :shock: I do mine twice a month. Sometimes more. It just feels so Gooood.. :D Agree 100% on your 2nd point. Getting rid o...
by inbox788
Fri Sep 07, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3579

Re: Subaru: Crosstrek or Outback?

Crosstrek: Really slow and (strangely) loud. A size I could see myself driving in the city without problems. More room than I thought there would be, but it's really just an Impreza on stilts. Since someone asked why not Forester, I'll ask why not Impreza? Spacewise inside, they're not different. Y...