Search found 6377 matches

by inbox788
Sat Jul 06, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 49
Views: 3341

Re: Time for a new car - Corolla or Civic...

As a honda owner, I say - go with Toyota ('honda' was not capitalized on purpose) Why? honda noun hon·​da | \ ˈhändə\ variants: or less commonly hondo \ -​n(ˌ)dō \ plural -s Definition of honda : a metal, knotted, or spliced eye at one end of a lariat through which the other end is passed to form a...
by inbox788
Sat Jul 06, 2019 3:19 pm
Forum: Personal Investments
Topic: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?
Replies: 111
Views: 5840

Re: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?

I kept all these but at&t (for now). I was planning on similar weighing for top 10, then come down in same descending fashion as s&p does. The top 10 market cap is about 20% of the SP500 and top 25 about 1/3, so your account already overlaps 1/3. You're spending a lot of time and effort (with unkno...
by inbox788
Sat Jul 06, 2019 1:27 pm
Forum: Personal Investments
Topic: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?
Replies: 111
Views: 5840

Re: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?

No, my main point is not about picking the ones that did well, just removing the ones that didn't do well over their inception and the ones that couldn't do well even during last few years when they should have at least make some of their mark. Of course we cannot say much about future but why keep...
by inbox788
Fri Jul 05, 2019 7:33 pm
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 3350

Re: buying a 60 or 65 inch tv this weekend. which one?

One thing that hasn't been mentioned is that plasma displays dump quite a bit of heat into the room. On a full white screen, I've measured 485 Watts of power consumed. You can feel the warmth on the display itself. In winter, you might not mind. In summer (like today...) I'm hoping for the TV to di...
by inbox788
Thu Jul 04, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: The Day Has Come - Hit Retirement Number - Now What?
Replies: 103
Views: 10102

Re: The Day Has Come - Hit Retirement Number - Now What?

With the recent run-up in the market, I hit my retirement number today. ... Absent a catastrophe, we should be fine. Didn't you hit the same mark or come close last September? I was reviewing an account and I thought I had reached a milestone last year, but as I was looking back, Y/Y for year end 2...
by inbox788
Fri Jun 21, 2019 9:59 pm
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 3531

Re: Extend MacBook Battery Life by plugging in as much as possible?

Lithium ion batteries lose capacity both due to charge cycles and due to an aging effect that happens over time. I recently came across something that reminded me of Amdahl's Law. There's probably an equivalent law for lithium ion battery longevity. My 2015 Macbook Pro is still going strong despite...
by inbox788
Mon Jun 17, 2019 9:21 pm
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 3531

Re: Extend MacBook Battery Life by plugging in as much as possible?

MY first battery was replaced after around 750 cycles, I think. I was told each time you plug in to charge = 1 cycle. It's best to charge the battery fully, as opposed to frequent partial charges. That's what the Apple folks told me. Wrong! Best for their store replacing your batteries for you. The...
by inbox788
Thu Jun 13, 2019 6:18 pm
Forum: Personal Investments
Topic: High net worth individual seeks portfolio advice
Replies: 81
Views: 8919

Re: High net worth individual seeks portfolio advice

To answer a few of the questions, my business is valued lower than normal because of regulatory issues. One of the reasons I'm able to get near full FDIC coverage on high yield savings is that WealthFront has an account with 2 million coverage instead of the normal 500k (for joint account). There h...
by inbox788
Thu Jun 13, 2019 1:40 am
Forum: Personal Investments
Topic: Donor Advised Fund - what to contribute
Replies: 18
Views: 1204

Re: Donor Advised Fund - what to contribute

A. Minimize taxes. B. Long term to have most assets in this account sitting in low ER broad-based passive funds like VTSAX. I plan to move $160K into a DAF this year. I am in a high tax bracket for 2019. I'll be in the 22% bracket until 2024. Then from 2024 will only live off LTCG at zero %. If the...
by inbox788
Wed Jun 12, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: 15K CAR with comfortable seats and quiet
Replies: 51
Views: 4073

Re: 15K CAR with comfortable seats and quiet

Thanks for the detailed analysis. I wouldn't consider any Honda V6 to be reliable at all, especially the transmission. I know, our family had 4 and we had to replace 3 transmissions... The 4 cylinder is 1-2 dB louder, so opens up scores more candidates, but once you apply the dollar and reliability...
by inbox788
Wed Jun 12, 2019 6:16 pm
Forum: Personal Investments
Topic: Is my employee stock purchase plan a no brainer?
Replies: 19
Views: 1617

Re: No brainer?

Paying taxes is a good outcome, not a worst case or major risk. I'd look at the fine print, but looks like it's a plan to max out.
by inbox788
Tue Jun 11, 2019 7:51 pm
Forum: Personal Investments
Topic: Donor Advised Fund - what to contribute
Replies: 18
Views: 1204

Re: Donor Advised Fund - what to contribute

Interesting. I would probably have gone the other way. I am inferring from the OP a few things. The fact that the low ER funds have significant gains means that the high expense stuff has been sitting there for a while and the OP has been reluctant to simply dump them. Since there is a decent chanc...
by inbox788
Tue Jun 11, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: 15K CAR with comfortable seats and quiet
Replies: 51
Views: 4073

Re: 15K CAR with comfortable seats and quiet

If it's just the noise with the Accord, maybe there's a fix or upgrade that's less expensive than a car upgrade: 2013 2014 2015 Honda Accord Wind Noise Fix -DiyCarModz https://www.youtube.com/watch?v=ZZL6yNho8ng CCS Car Comfort Shop Honda Accord - Full Soundproofing!! https://www.youtube.com/watch?v...
by inbox788
Tue Jun 11, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: 15K CAR with comfortable seats and quiet
Replies: 51
Views: 4073

Re: 15K CAR with comfortable seats and quiet

http://www.auto-decibel-db.com/Top10_Quietest.html Great list, but I do wonder about the accuracy. Why the 2 vastly different 2012 Accord V6 entries? One with a good tune up? Or is that the difference in sound level between an EX-L and a Limited Touring? Brand Model Spec Year dB at idle dB at 55 mp...
by inbox788
Tue Jun 11, 2019 2:38 am
Forum: Personal Consumer Issues
Topic: 15K CAR with comfortable seats and quiet
Replies: 51
Views: 4073

Re: 15K CAR with comfortable seats and quiet

how about a reliable 2014 Lexus ES with 95K miles?
by inbox788
Sat Jun 08, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Is it possible to custom build a laptop?
Replies: 26
Views: 1992

Re: Is it possible to custom build a laptop?

Yes, exactly. I had considered getting a newer Thinkpad, but the Thinkpads they had on display (I tested four different ones) all had terrible keyboards. The keys don't travel as far, don't have good tactile resistance; it's like sliding over water. And because the only Lenovo with a centered 15 in...
by inbox788
Sat Jun 08, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9423

Re: Do you carry Umbrella Insurance?

...teenage drivers... Yes, roughly 100% of NW. Teen drivers, 2 dogs for extra risk. We did not add this policy until the house was paid off and NW started getting well above 1M. Do you add more insurance because of these risks? How much more? And when they leave the house, do you reduce the insuran...
by inbox788
Fri Jun 07, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: Is it possible to custom build a laptop?
Replies: 26
Views: 1992

Re: Is it possible to custom build a laptop?

It's not practical, since most parts are fairly specific. Memory and storage are the only standard somewhat interchangeable parts. If it's just getting slow, adding DRAM and SSD might breath some new life into an older laptop. If it's the battery or the rubber tip, those can be replaced too. https:/...
by inbox788
Wed Jun 05, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2690

Re: Any TV guys out there?

I wouldn't buy a TV less than 75 in nowadays. Don't forget that your eyesight gets worse as you age, so plan for that. "I wish I would've bought a smaller television", said no one, ever. livesoft is right. 75" minimum. Says me. I did purchase a 75" and my room was too small for it. I was hella mad....
by inbox788
Wed Jun 05, 2019 2:02 am
Forum: Personal Consumer Issues
Topic: Any Mint Mobile customers here?
Replies: 37
Views: 2172

Re: Any Mint Mobile customers here?

Thank you everyone for your replies. I have ordered a Sim card to try it out. If it works out well where I live, I will get another Sim and port my number. You probably won't have to. They usually send 2, one to try out and another to port in your number or share with a friend. If you're not ready ...
by inbox788
Wed Jun 05, 2019 1:30 am
Forum: Personal Investments
Topic: Taxable gains...exchange or let it ride?
Replies: 9
Views: 813

Re: Taxable gains...exchange or let it ride?

...As mentioned, short term losses should be realized immediately. (though with today's 2% move up, it might be too late -- would have been bad if you went from loss to cash, but ok if you moved from one total market basket to another)... Personally, if today's move up produces a gain instead of a ...
by inbox788
Wed Jun 05, 2019 1:23 am
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2690

Re: Any TV guys out there?

I wouldn't buy a TV less than 75 in nowadays. Don't forget that your eyesight gets worse as you age, so plan for that. You mean like this one for about the same price? Member Only Item Your Price $869.99 https://www.costco.com/.product.100410396.html https://www.rtings.com/tv/tools/compare/lg-uk657...
by inbox788
Tue Jun 04, 2019 3:24 pm
Forum: Personal Investments
Topic: Taxable gains...exchange or let it ride?
Replies: 9
Views: 813

Re: Taxable gains...exchange or let it ride?

So, the question, should I sell the poorly efficient though currently short term gains and losses, or wait until they become long term gains and losses? We aren’t talking about a ton here, a few hundred dollars. This is more so I can understand the impact of these choices when the numbers become mo...
by inbox788
Tue Jun 04, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2690

Re: Any TV guys out there?

You can spend $200 or $2000 for a 55" TV these days. At those higher prices, I'd start looking at QLED or OLED quality. https://www.rtings.com/tv/tools/compare/samsung-q8fn-vs-samsung-ru8000/598/784?usage=7318&threshold=0.1 https://www.rtings.com/tv/tools/compare/lg-c8-vs-lg-c9/600/802?usage=7318&th...
by inbox788
Tue Jun 04, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off my Loan Strategies - How???
Replies: 11
Views: 877

Re: Paying off my Loan Strategies - How???

1. Refinance (I'm not sure how to do this; do you have any suggestions?) 2. I am planning to liquidate all the money from my broker and pay toward student loan. 3. I am debating whether I should also liquidate my 401K as well 4. Of course, pay my debt with every pay check I have 5. Any other ideas?...
by inbox788
Tue Jun 04, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Fair price to have a hitch installed (2017 Subaru Forester)
Replies: 12
Views: 973

Re: Fair price to have a hitch installed (2017 Subaru Forester)

Product subtotal: $174.95 Installation fee: $48.00
Uhaul installation fee is about $50 (didn't know they were variable, but depends on location), but I think you have to buy the hitch from them, which costs more. Total costs are about the same. Watch out for a lot of extra add-ons and warranties.
by inbox788
Sun Jun 02, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best
Replies: 35
Views: 3765

Re: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best

I like the Brave browser for Windows and iOS (using it now on my iPad). Blocks ads, pop-ups and such. When I first started using it, it was so weird that the whole right-hand side of most web pages was blank. A year later and Brave seems to be going strong. I am a little concerned about the good po...
by inbox788
Wed May 29, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Google Chrome Users - How do you stop the address bar from being a search box?
Replies: 10
Views: 2113

Re: Google Chrome Users - How do you stop the address bar from being a search box? ("address bar bug" -- fixed!)

Update: The above fix worked for me. Today, I came across another article (dated May 16) that calls it "address bar bug", so it's gotten the attention developers and they should be working on a permanent fix. Chrome Bug Causing Address Bar to Show Searches Over Site History https://www.bleepingcompu...
by inbox788
Wed May 29, 2019 1:47 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 12289

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

Another way to look at this plan is keep equities between 15 and 18X salary and the rest in bonds for this segment. lower range higher range stocks bonds stocks bonds 25 0.7 0.3 17.5 7.5 25 30 0.6 0.4 15 10 18 12 30 35 0.5 0.5 15 15 17.5 17.5 35 0.4 0.6 14 21 Can you elaborate? If one's salary is $...
by inbox788
Wed May 29, 2019 4:34 am
Forum: Personal Consumer Issues
Topic: Printing quality pictures taken from phone?
Replies: 19
Views: 1195

Re: Printing quality pictures taken from phone?

My wife has taken some great photos of our kids on her phone. I would love to print them 8x10 and frame them. But I’ve always found that smartphone pictures don’t print well. Does anyone have any recommendations for a service or program that I could use that would enhance the quality of these pictu...
by inbox788
Wed May 29, 2019 4:02 am
Forum: Personal Finance (Not Investing)
Topic: Student Loans no longer PSLF eligible
Replies: 5
Views: 1007

Re: Student Loans no longer PSLF eligible

What a dilemma. What are the chances you might get 7 more years of PSLF to qualify for loan forgiveness? Seems pretty low, so if you abandon the option, then the thing to focus on is the high 6.5% interest rate that's adding $25k/year in interest costs alone (adds up to over $100k during your fellow...
by inbox788
Tue May 28, 2019 9:21 pm
Forum: Personal Investments
Topic: On Life Insurance, Can the Net Cash Value Exceed the Death Benefit?
Replies: 12
Views: 1122

Re: On Life Insurance, Can the Net Cash Value Exceed the Death Benefit?

I guess when I say foolish, I mean is it literally throwing money away to just this policy play out? Putting money in a policy where the net cash value goes up while the death benefit stays at a lower amount? The research I did was saying the insurance company keeps the Net Cash Value, the death be...
by inbox788
Tue May 28, 2019 6:07 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 12289

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

Up to 25 times expenses: 70/30 Above 25 but below 30 times expenses: 60/40 Above 30 but below 35 times expenses: 50/50 Above 35 times expenses: 40/60 This is one of the few times where an allocation slope per increasing assets above 25X retirement expenses has been put in this concise way. Another ...
by inbox788
Tue May 28, 2019 5:55 pm
Forum: Personal Investments
Topic: On Life Insurance, Can the Net Cash Value Exceed the Death Benefit?
Replies: 12
Views: 1122

Re: On Life Insurance, Can the Net Cash Value Exceed the Death Benefit?

Dad is 76 years old. I don't know how old the policy is, I'll have to get that info. It really seems like to me that it would be foolish to keep such a policy if its worth more now to cash out than as a death benefit and to contribute premiums for possibly another 10-15 years. At 2.5% rate of retur...
by inbox788
Tue May 28, 2019 4:35 pm
Forum: Personal Investments
Topic: On Life Insurance, Can the Net Cash Value Exceed the Death Benefit?
Replies: 12
Views: 1122

Re: On Life Insurance, Can the Net Cash Value Exceed the Death Benefit?

Are there other cash values? PUA? Riders on the policy? How old is dear old dad and how long has he had the policy?
by inbox788
Tue May 28, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 134
Views: 10461

Re: House not selling

I dont care if its memorial day, labor day, Christmas or new years. I work all types of holidays as well. All i'm asking for is a text message which takes 5 seconds. I'm not asking for a 2 hr conversation. Agree, he should have responded in some way, but what was the nature of the text and what typ...
by inbox788
Thu May 23, 2019 4:00 pm
Forum: Investing - Theory, News & General
Topic: Any option traders?
Replies: 41
Views: 3026

Re: Any option traders?

I started a new job earlier this year at a firm whose primary revenue is from options trading . Ironically, compliance reporting requirements and, more importantly, having to get pre-clearance for any personal trading (outside of normal trading like retirement accounts) and holding for at least 10 ...
by inbox788
Wed May 22, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 82
Views: 6993

Re: Honda CRV or Toyota RAV4 ?

I think the Honda guy was hosing us because I said we were Honda owners since 1985 and the monthly lease price he quoted was roughly $100 more/month than the Mazda. Also the sales guys were great and they gave us a discount based on the company I retired from. Time for a change!! Honda's aren't kno...
by inbox788
Wed May 22, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3489

Re: Another Honda maintenance thread

Questions: 1. Where can I learn how to do this? -- YOUTUBE 2. Where do folks recommend I get the appropriate filters? -- AMAZON National Car Rental Self-Appendectomy TV Commercial https://www.youtube.com/watch?v=PQab8zm1FGM Things That Could Kill You - Conducting A Self Appendectomy & Not Wearing Y...
by inbox788
Wed May 22, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 82
Views: 6993

Re: Honda CRV or Toyota RAV4 ?

Here's my verdict. DW and I test drove the CX5 and we're going to get it. Price was way better than CRV, quieter and roomy enough (I'm 6'0")...sat in back too. Thanks for the recommendations. I can understand if you feel different about the value you're getting but, I thought they were competitive ...
by inbox788
Wed May 22, 2019 2:19 pm
Forum: Investing - Theory, News & General
Topic: Any option traders?
Replies: 41
Views: 3026

Re: Any option traders?

1. Do you believe the efficient market hypothesis applies to the options market?
2. Do you believe options is a zero sum game?
3. Do you feel lucky?

BTW, if you're trading options, you may want to look up "put call parity".
by inbox788
Wed May 22, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 37
Views: 3010

Re: What computer to buy for snowbird

Specs? Laptop: Intel T2050, 250 GB HDD, 2 GB memory. Have replaced battery, HDD, and screen after they failed. Desktop: AMD Sempron 140, 3 GB memory, 1 TB HDD, DVD burner. Have replaced HDD. What do you do with them? Laptop was used for all home uses before being replaced by the Surface ~3 years ag...
by inbox788
Wed May 22, 2019 1:37 am
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3489

Re: Another Honda maintenance thread

This is the closest thing I could find, sounds like if you screw up your maintenance schedule, the dealers may be able to fix it with their computers: "Q: What do I do if I had the improper/not recommended service completed? A: If you reset the Honda Maintenance Minder light, you reset the maintena...
by inbox788
Wed May 22, 2019 12:55 am
Forum: Investing - Theory, News & General
Topic: We’ve won the game...but how do we stop playing?
Replies: 76
Views: 8270

Re: We’ve won the game...but how do we stop playing?

Suffice to say one probably shouldn’t get too fancy in their portfolio without clearly understanding the implications taxwise of what they are investing in nor should one assume two similar investment tools have the same tax treatment. Well said about the hedging confusion. Asset allocation when yo...
by inbox788
Tue May 21, 2019 11:30 pm
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3489

Re: Another Honda maintenance thread

I'm not a car guy either, but I don't believe the Honda's minders are 100% on mileage. If you flip through the settings, you will see an "oil life indicator". From what I've read, it's an algorithm that uses temperature, miles, driving speed, acceleration, etc to predict the condition of the oil. A...
by inbox788
Tue May 21, 2019 8:03 pm
Forum: Personal Investments
Topic: Help my broker is trying to freak me out
Replies: 94
Views: 14045

Re: Help my broker is trying to freak me out

... I was making a grave mistake... I looked at his portfolio vs VTI over the past few years and I think his did better by a few thousand. I believe you may be mistaken. Your "grave mistake" might be believing this myth. Did you actually make a real comparison? I checked a few of the funds and a co...
by inbox788
Tue May 21, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 37
Views: 3010

Re: What computer to buy for snowbird

If you want four years, you need a Mac. Yeah, right. Tell that to my 13 year old HP laptop, still going strong. Or my 9 year old home built Windows desktop, still going strong. Specs? What do you do with them? What version of windows are running on these older systems? Windows Solitaire inducted in...
by inbox788
Tue May 21, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3489

Re: Another Honda maintenance thread

I probably drive the most here, 35k/year. I can't always get to changing the fluids right on schedule. Sometimes there's a 10,000 or 20,000 mile gap for the tranny before I get to it. Then you've got guys that pound their fist and stay awake all night worrying that the fluids have to be changed exa...
by inbox788
Tue May 21, 2019 1:02 am
Forum: Personal Investments
Topic: Convince me that a 529 plan is a good idea.
Replies: 42
Views: 3267

Re: Convince me that a 529 plan is a good idea.

I have no idea what you are citing here. Go to https://www.brightstart.com/performance/daily/?portfolio=all for their direct sold index funds The Vanguard Total Stock Market costs .10 Total Vanguard Bond costs .11 Those were from the 3rd party comparison site OP initially posted. There were 2 progr...
by inbox788
Tue May 21, 2019 12:03 am
Forum: Personal Consumer Issues
Topic: Car repairs: what to do next time
Replies: 42
Views: 2650

Re: Car repairs: what to do next time

The exact wording on the invoice for the injectors is: "Using specialized tools to clean fuel injectors, throttle body, pleum, air intake system and intake valves. Remove combustion chamber deposits." Whatever they did with that, it stopped the shaking (vibrating) when the car idled. Or maybe it wa...