Search found 5253 matches

by inbox788
Thu Aug 16, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: How Best to Utilize Permanent Life Insurance Upon Retirement
Replies: 11
Views: 670

Re: How Best to Utilize Permanent Life Insurance Upon Retirement

1. Leave them alone. Death benefit and cash value continue to grow, dividend pays premium. 2. Take out policy loans for income. Allow cash value to erode over the years as I take out policy loans as income with no intention to repay. Obviously I'd need to make sure that cash value remained high eno...
by inbox788
Thu Aug 16, 2018 2:24 am
Forum: Investing - Help with Personal Investments
Topic: Advisor Dumped, Now How to Best Simplify
Replies: 5
Views: 703

Re: Advisor Dumped, Now How to Best Simplify

How much cash did you invest and how much is it worth now? And when did you start investing? If it's a relatively small amount or gain or you haven't invested that long, the tax costs may be small.
by inbox788
Tue Aug 14, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 2943

Re: Best consumer products - made in USA

Toyota vehicles? They're world sourced. In that case, add Boeing airplanes to the list. Some items necessarily are made in the USA like bourbon and Tennessee whiskey. https://en.wikipedia.org/wiki/Bourbon_whiskey#Legal_requirements I think Deere and Caterpillar are still mostly made in the USA. And ...
by inbox788
Tue Aug 14, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Solutions for Printing from a Chromebook
Replies: 15
Views: 1037

Re: Solutions for Printing from a Chromebook

I've owned several Brother printers and their wifi connection is terrible (they're not alone in this). I've had good luck setting static IP address and manually adding printers (with Windows and MacOS), but none of them support Chromebooks. If you have a newer Brother multifunction, you might give a...
by inbox788
Tue Aug 14, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Return Protection: Citi Doublecash
Replies: 12
Views: 1141

Re: Return Protection: Citi Doublecash

Who did you write the letter to? Eastbay is part of Footlocker (NYSE FL) (formerly Woolworth - still operating in some other parts of the world). You could escalate the matter up to corporate (not customer service) if it's worth your time/trouble or you can boycott the whole corporation or both. htt...
by inbox788
Tue Aug 14, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: What's a good way to calculate when I have won the game??
Replies: 23
Views: 4319

Re: What's a good way to calculate when I have won the game??

We currently live on about 75K a year but I actually think that will increase after retirement. My wife likes to travel and she spends more money when shes bored... Other than medical, this was the other variable that was/is the toughest to estimate. So far, both have been (upwardly) moving targets...
by inbox788
Tue Aug 14, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 36
Views: 2236

Re: Decided on Chromebook, now need spec help

I read that too, but my impression was a little different. Was it that they are adding Windows 10 capability to the Chrome OS, or to certain Chromebooks? I was picturing a dual boot machine that would run either Windows or Chrome. In that case, would it still be a Chromebook? Nice correction - dual...
by inbox788
Tue Aug 14, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Claiming airline compensation
Replies: 9
Views: 762

Re: Claiming airline compensation

Claiming on your own is done all the time. Check Flyertalk or TripAdvisor Air Travel forums for more info too. http://www.thisismoney.co.uk/money/holidays/article-2271213/How-claim-EU-flight-delay-compensation-EC-261-2004.html https://thepointsguy.com/2014/02/how-to-get-eu-passenger-rights-compensa...
by inbox788
Tue Aug 14, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 334
Views: 21165

Re: Invest in Tesla?

5. Where does the $2 trillion figure come from? The bulk of that is based on Aramco’s value. While the Aramco holding would vault the PIF ahead of Norway’s $850 billion sovereign wealth fund, currently the world’s largest, most of the PIF’s assets will be illiquid until the Saudis sell Aramco share...
by inbox788
Mon Aug 13, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 340
Views: 55429

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

The CRV was bought 11/2017, the 1 quart drain/fill was done 4/4/18 at 3600 miles when the level increased 1/8 inch pass the mark I had scribed on the dipstick. The full oil change was done 5/6/18 at 5112 miles. I’d say for this area is was a cold winter. Normal daily driving with about 4 beach trip...
by inbox788
Mon Aug 13, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Yet Another WL insurance question [Whole Life]
Replies: 10
Views: 530

Re: Help! Yet Another WL insurance question [Whole Life]

I've been doing research lately and I'm really trying to get a control of the financial aspect of my life. So I have an expensive NWM WL policy for 1M, with an annual premium of about 11K. I've had it for about 7 years. The guaranteed surrender this year is $59k. According to the illustration, my p...
by inbox788
Mon Aug 13, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 340
Views: 55429

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

I bought a new CRV EXL in Nov 2017. Got it about 125 miles from home to dodge the worthless dealer option scam and the next morning just had to check it out. Found the oil level way over full. I’m a retired vehicle technician, 12 years in a dealership and 26 at FedEx. Dropped the panel and drained ...
by inbox788
Mon Aug 13, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 334
Views: 21165

Re: Invest in Tesla?

How would he do it with Saudi money? CIFIUS would definitely reject this especially if there is cross research with SpaceX. Same would probably go for Tencent and maybe Softbank(but they could be tapped out after ARM buyout) Tesla is currently a $60B company at $356/share. Which holders would need ...
by inbox788
Mon Aug 13, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: What's a good way to calculate when I have won the game??
Replies: 23
Views: 4319

Re: What's a good way to calculate when I have won the game??

We currently live on about 75K a year but I actually think that will increase after retirement. My wife likes to travel and she spends more money when shes bored... Other than medical, this was the other variable that was/is the toughest to estimate. So far, both have been (upwardly) moving targets...
by inbox788
Mon Aug 13, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2293

Re: What's the reason you would buy reading glasses at...

My ophthalmologist told me the inexpensive dollar store glasses are fine, and that they won't hurt your eyes. I have perfect distance vision with the help of my contacts, but at 50, I am now having quite a hard time reading up close. Several pair of reading glasses stashed around the house works fo...
by inbox788
Mon Aug 13, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 36
Views: 2236

Re: Decided on Chromebook, now need spec help

If you aren't using Android Apps, how is it slow? Looking at websites in the browser? Yes, browsing. If looking at light sites like BH, it's no problem, but more and more sites are getting content "heavy". More videos, animations, automations, etc. Also, with google docs, the spreadsheets and docum...
by inbox788
Mon Aug 13, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection
Replies: 25
Views: 2397

Re: Using Uber Without A Cellular Data Connection

We’ll be in Amsterdam in a couple of weeks and want to take Uber from the airport to our hotel in the downtown area. I believe the airport has free WiFi but am concerned that if there’s a problem it will be difficult to contact the driver. Has anyone dealt with this before? I've used Uber with WiFi...
by inbox788
Mon Aug 13, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 36
Views: 2236

Re: Decided on Chromebook, now need spec help

I agree the processor and storage aren't that important. For me, storage hasn't been important since the whole point of a chromebook is to have everything in the cloud, and local storage has been cumbersome and limited. On the other hand, processor has been an issue, with most all processors too sl...
by inbox788
Mon Aug 13, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 36
Views: 2236

Re: Decided on Chromebook, now need spec help

Based on your use case and your prior computer, I'm not sure you need an i5 or 8gb but those are nice to haves. Depends on your budget. Look at wirecutter or https://chromeunboxed.com/ or https://www.aboutchromebooks.com/ If you have $750, go ahead and get the Google Pixelbook which is on sale for ...
by inbox788
Mon Aug 13, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Unlocked iPhone on eBay or Amazon?
Replies: 22
Views: 1299

Re: Unlocked iPhone on eBay or Amazon?

I highly recommend Swappa, a website I have used many times for buying and selling my phone's. The site does a great job of vetting phones and helps quantity condition levels. I used to be a fan, but my last interaction was a disappointment. Ran into a bad seller, and the company intervention was l...
by inbox788
Sun Aug 12, 2018 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: $1M in cash - invest or pay down mortgage
Replies: 21
Views: 3617

Re: $1M in cash - invest or pay down mortgage

I think you could use some paid professional advice given the size of the portfolio, along with tax and estate planning considerations. Are you already managing a high six, low seven figure portfolio? No offense, but you seem new to investing and sometimes it is worth paying for professional advice...
by inbox788
Sun Aug 12, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Aqua Shoes for Beach
Replies: 16
Views: 1411

Re: Aqua Shoes for Beach

Water shoes are dependent on what you're doing in the water, and the temps. ... Keen sandals, the pick of many kayakers, work well if you're only on docks or in a watercraft. The minute you step into water with rocks and sand, that slides between your foot sole and the shoe, making walking uncomfor...
by inbox788
Sun Aug 12, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Why should I even bother cashing in W-Life policy?
Replies: 5
Views: 859

Re: Why should I even bother cashing in W-Life policy?

If the cash value is $21k and the policy value is still at face value, you're only insuring the remaining $4k. The ROI may not be worth it, and you may get better returns elsewhere. Tax situation also plays a part. Details from an inforce illustration would be helpful to figure out the returns. In a...
by inbox788
Sun Aug 12, 2018 12:09 am
Forum: Personal Consumer Issues
Topic: My experience with CloudReady (convert your PC or Mac into a Chromebook)
Replies: 23
Views: 2159

Re: My experience with CloudReady (convert your PC or Mac into a Chromebook)

I've tried CloudReady on a couple of older PCs with fair success. On an older slower system, it works adequately, but like a slow Chromebook. I setup a dual book Windows 10/CloudReady not as old and not as slow system, and it ran CloudReady at decent speeds. Unfortunately, they're discontinuing supp...
by inbox788
Sat Aug 11, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Strange refund from gas co. on closed account
Replies: 6
Views: 668

Re: Strange refund from gas co. on closed account

You are the reason why these checks are mailed out. Just cash it and buy a soda or something. For the 99.8% of the rest of us who haven't made changes to our utility (and still have open accounts), it would simply be more efficient to take the funds and use them to reduce our bills or prop up the ut...
by inbox788
Sat Aug 11, 2018 7:26 am
Forum: Investing - Help with Personal Investments
Topic: $1M in cash - invest or pay down mortgage
Replies: 21
Views: 3617

Re: $1M in cash - invest or pay down mortgage

Would you recommend one of these options, or maybe another option or approach? Your thoughts and guidance would be greatly appreciated! Selling the second home is a good idea to simplify their lives and reduce risks. How is it used now, and why haven't they sold it sooner? Renting out turns them in...
by inbox788
Tue Aug 07, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6295

Re: Minivan Vs SUV Experience

Are you driving a Sienna Limited 4WD with all the options? It’s not that far off from the Volvo in luxury nor cost, and it’s the better family car. See if you have the money to spend or want to spend it now.
by inbox788
Tue Aug 07, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4843

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

I do not have my own personal business and my children do travel sports. Often we fundraise from local businesses for small sponsorships -- think dentist, realtor, etc. These funds go to the team's travel tournament fees, uniforms, and sometimes rental space for practices. This year, I am thinking ...
by inbox788
Tue Aug 07, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6765

Re: Best way to lose $200 in taxable income?

A sure loser would not be an option that's actually worth $200 right before close, as some have mentioned. That would imply the strike is too close to the spot rate, and it's actually not an insane bet - unless it's a high volatility single stock - which you definitely don't want. You want an absol...
by inbox788
Fri Jul 27, 2018 3:10 am
Forum: Personal Consumer Issues
Topic: Figuring out long-term technology plan for kids - Chromebook?
Replies: 43
Views: 2312

Re: Figuring out long-term technology plan for kids - Chromebook?

But kids should be learning all they can about technology rather than being offered simple solutions. IMO, of course. IMO, many kids learning basic math and reading and writing have enough to deal with without complicating advanced technologies and getting too much help from automatic spelling corr...
by inbox788
Fri Jul 27, 2018 1:39 am
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 10736

Re: Facebook stock in freefall! (20% drop in 1-day)

Individual stocks do stuff like that. Now despite all of the alarmist talk about cap-weighting and the way the S&P 500 is dominated by FAANGs and we're putting 18% of our eggs in five baskets etc., let's do some mental math. Facebook = less than 2% of the market by cap weight. So a 20% drop in Face...
by inbox788
Wed Jul 18, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 3924

Re: Did I get ripoff by this car mechanic?

You should have done it yourself and saved the labor! Seriously, this might have been part of the repair. https://www.youtube.com/watch?v=lifJa1vq6M4 How long did they have the car? How many working days or hours? Besides the code, what other problems were you experiencing? Did the cracked hose caus...
by inbox788
Wed Jul 18, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 334
Views: 21165

Re: Invest in Tesla?

Is it a good time to buy Tesla? Yes, at 258 on March 28. Did you? And if trading, did you sell at the peak of 370 on June 18? Today it's 322. Invest in Tesla? If you're in it for the long haul, any of these prices may be good if they succeed with their plan. Here's an interesting take on their opti...
by inbox788
Wed Jul 18, 2018 2:05 am
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3630

Re: 35 minute connection for flight, long enough?

Folks, Thanks for your excellent advice, we've decided to get a direct flight into ORD instead. You're trading one risk for another. For a 35 minute connection, even if you make it, sometimes your checked luggage might not, so that's something to consider if you're trying a tight connection. It's p...
by inbox788
Tue Jul 17, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 54
Views: 6920

Re: Costco Membership

Have a Costco member give you a gift card for a purchase, reimburse them and go without a membership. I believe this is allowed based on just making a Google search. Tim Shhhhhh! Greatest life hack I know of. Not supposed to talk about this in a public forum! It's a hack. But it's not a great hack....
by inbox788
Tue Jul 17, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 54
Views: 6920

Re: Costco Membership

Have a Costco member give you a gift card for a purchase, reimburse them and go without a membership. I believe this is allowed based on just making a Google search. Tim Shhhhhh! Greatest life hack I know of. Not supposed to talk about this in a public forum! It's a hack. But it's not a great hack....
by inbox788
Tue Jul 17, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 46
Views: 3095

Re: How much furniture spending is ok?

Wow, ya'll spend a lot on furniture! I live in a 4-bedroom, 1800 sq ft home, and own about $200 worth of furniture. Got some Ikea tables (free to me) zip tied together at the legs to make a big desk. Mattress on the floor in one bedroom (the other three bedrooms are empty). An inexpensive desk chai...
by inbox788
Sun Jul 15, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2615

Re: Surface Pro(2017) vs 9.7" iPad 2018 (edited)

What did you get? The Boglehead in me went with 02nz's suggestion. I went to Costco and got the 2018 iPad for $399 with 128GB storage, along with an Apple Pencil.I also got a small Logitech Bluetooth keyboard from Best Buy for less than $30. A few days later, Serif announced it was launching Affini...
by inbox788
Sun Jul 15, 2018 1:48 am
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 54
Views: 6920

Re: Costco Membership

There are lots of places to buy gift cards/cash cards from many stores. No membership required. I was thinking along the lines of "my third wish is I wish I had 3 more wishes", using the Costco Card to parlay it into more Costco Cards. But now that you mention it, I might have seen Costco Gift Card...
by inbox788
Sat Jul 14, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2615

Re: Surface Pro(2017) vs 9.7" iPad 2018 (edited)

What did you get?

https://www.forbes.com/sites/geoffreymo ... 214354eb73

Did you see the new Surface Go (releasing next month) and how it might fit your needs?
by inbox788
Sat Jul 14, 2018 7:51 pm
Forum: Investing - Theory, News & General
Topic: yield curve inversion
Replies: 48
Views: 4717

Re: yield curve inversion

Let's say we knew for certain that a recession was going to start in 2021 and last 18 months. What would you do differently than you are now? Sell stocks? Sell Bonds? Go all cash? Doesn't seem to be a good countermeasure to a recession. IF, and that's a big IF you could time it well, you could go i...
by inbox788
Sat Jul 14, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 3211

Re: Coffee Grinder recommendations

OMG Bogleheads are Bogleheaded until they're not. Who's gonna pay $1400 for a coffee grinder? I enjoy the occasional espresso. I have this $23 manual grinder. It's awesome and I love it: https://www.amazon.com/JavaPresse-Manual-Coffee-Grinder-Stainless/dp/B013R3Q7B2/ref=sr_1_2_sspa?s=home-garden&ie...
by inbox788
Sat Jul 14, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Major purchases - now or later?
Replies: 13
Views: 1496

Re: Major purchases - now or later?

We need to make several major purchases, and I am wavering about whether to just do it all at once, or try to string it out over the next few years. We are retired and living off savings, so coming up with the cash is not an issue. One way or another, sooner or later we will end up spending $60,000...
by inbox788
Sat Jul 14, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 10588

Re: Six stocks make up 98% of S&P 500 gains in 2018

Here's S&P's summary out today of the contributors and detractors from returns year to date thru July 13. IT prevails but its contribution percentage is down. Amazon alone is responsible for nearly 19% of the total return. Interesting to note that the "detractors" are made up of some of the issues ...
by inbox788
Sat Jul 14, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: [Backdoor Roth IRA - Forbes: IRS Unlocks The 'Door' For High-Income Savers]
Replies: 7
Views: 1513

Re: Backdoor Roth IRA article

Yes, there is specific language about after-tax tIRA to Roth conversions in the 2017 TCJA. I'm looking for the quote by Donald Kieffer Jr., but haven't found any audio or transcript of the discussion. If anyone comes across it, please link it here. Also, this article has been mentioned, but I'm not...
by inbox788
Fri Jul 13, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Help with No-Lapse Guarantee UL
Replies: 22
Views: 868

Re: Help with No-Lapse Guarantee UL

We have a Guaranteed Universal Life Policy (GUL) bought some 5 years ago. At age 100, we no longer have to pay any premiums, but the policy is still in effect. At age 120, the insurance company gives up and just pays us our death benefit 8-) Thanks! What will you do with that cash? That sounds good...
by inbox788
Fri Jul 13, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Help with No-Lapse Guarantee UL
Replies: 22
Views: 868

Re: Help with No-Lapse Guarantee UL

Hello, One of my good friend ... (Age 120) Your friend is 120 years old? Life insurance typically expires at age 100. See here: https://www.moneytips.com/outliving-your-life-insurance-policy Never heard of the "problem". With traditional WL (to age 100), what happens when the insured turns 100 (or ...
by inbox788
Fri Jul 13, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 54
Views: 6920

Re: Costco Membership

Using a Cash Card is not hack, it is in the printed terms of the Cash Card, which are visible on the back of the card. No need to spend $65 or more on a membership, regardless if you shop at Costco rarely or every week. However, you need to buy your first cash card online, or have an existing membe...
by inbox788
Fri Jul 13, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Grandpa's 88 and has term life insurance
Replies: 39
Views: 2995

Re: Grandpa's 88 and has term life insurance

He certainly doesn't need it but it might be a good bet actuarially if he likes that sort of thing. At 88 he has a life expectancy of a little under 5 years aka social security table. https://www.ssa.gov/oact/STATS/table4c6.html From the actuarial tables, here is the probability of him surviving un...