Search found 5006 matches

by inbox788
Sat May 19, 2018 3:37 am
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 22
Views: 2266

Re: New 2018 Nissan Leaf (with 150 mi range)

so perhaps we could try to avoid getting this thread locked? Thank you :) :sharebeer Agree. I understand why some brands like Hyundai have loyalty discounts, and some brands have conquest discounts, but if you owned both a competitor and the brand you want to buy, good luck getting both. Pretty muc...
by inbox788
Fri May 18, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 22
Views: 2266

Re: New 2018 Nissan Leaf (with 150 mi range)

I stand corrected, it is indeed a non-refundable credit. Looks like the taxable income threshold to generate a $7,500 tax liability is around $50k. Is there a rationale why folks making over $50k are being subsidized? Meanwhile some localities are subsidizing low income. I'm not looking to start a ...
by inbox788
Fri May 18, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 362
Views: 15652

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Specifically, there is no doubt at all that 18,500 in a Roth is worth more than 18,500 in a traditional. There is lots of doubt about that because it is not true for most people. Consider this analogy: I have a gold coin and I offer to sell it to you and I give you two options: Option 1: You pay me...
by inbox788
Fri May 18, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: looking for simple smart phone - anyone use Jitterbug
Replies: 7
Views: 583

Re: looking for simple smart phone - anyone use Jitterbug

Trying to find an inexpensive cell plan and smart phone. Data unimportant, make, receive calls and texts when away from home and Wi-Fi capable. NOT AT&T, prefer the Verizon network because of reception in our area We still maintain our land line. So far, have not found reliable provider (posted pre...
by inbox788
Fri May 18, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: Help Adjusting to New Google Finance
Replies: 5
Views: 597

Help Adjusting to New Google Finance

I need help adjusting to new Google Finance. Is there a good FAQ or tutorial? [My Google results so far have been limited https://www.youtube.com/watch?v=p9sOndJEOKY ] https://www.marketbeat.com/press-room/google-finance-changes-and-alternatives/ The transition has been going on for months now, and ...
by inbox788
Fri May 18, 2018 3:37 am
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 22
Views: 2266

Re: New 2018 Nissan Leaf (with 150 mi range)

53,000 miles on my Leaf and still have not lost a bar. I bought one of the very early Priuses and the ICE boosters all said that would be a battery nightmare. Sold it with 150k and no issues. It's early adopter stories like these that scare me. Hopefully, the technology is maturing. Priuses/prii do...
by inbox788
Thu May 17, 2018 11:42 pm
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 22
Views: 2266

Re: New 2018 Nissan Leaf (with 150 mi range)

53,000 miles on my Leaf and still have not lost a bar. I bought one of the very early Priuses and the ICE boosters all said that would be a battery nightmare. Sold it with 150k and no issues. It's early adopter stories like these that scare me. Hopefully, the technology is maturing. Priuses/prii do...
by inbox788
Thu May 17, 2018 11:34 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 362
Views: 15652

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

By the way, if you sort the Sales Tax, you'll find Hawaii and Nevada on top. This is because of their relative small population and large number of visitors, and a way for stick it to the tourists, similar to the high hotel taxes. Arizona and Florida are fairly high on the list, and that benefits th...
by inbox788
Thu May 17, 2018 11:20 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 362
Views: 15652

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Do you consider sales tax imposed by your locality or state to be "double taxation"? Don't you also pay the local real estate tax and state income tax using post-federal-tax money? Do you believe you are being double taxed? God forbid if there were to be "living wealth tax", would you consider that...
by inbox788
Thu May 17, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 22
Views: 2266

Re: New 2018 Nissan Leaf (with 150 mi range)

Looks like a good price on a new vehicle. There are many off-lease 3+ year old Leafs going for $5-10k that I've considered buying as a local 2nd car as my first electric vehicle, but just don't drive enough for it to make sense. I might need one if a couple of years, and hopefully these used ones ma...
by inbox788
Thu May 17, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60
Replies: 86
Views: 5003

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

What do you guys think about Volvo's lifetime parts and labor warranty? I didn't know they offered a warrant like this, seems too good to be true. This is how they describe it. It's just a way to increase work done by the Volvo service shop: As of June 1, 2015, Volvo launched the Lifetime Parts & L...
by inbox788
Thu May 17, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 4470

Re: somebody is using our address

Somebody showed up at our home couple of weeks ago and told us that he lives a block away used our address by mistake. When we asked questions about his address it contradicted his hand gesture so we cut the conversation short and called the cops right away. it turns out that he went to jail in the...
by inbox788
Thu May 17, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: 7 years into whole life - cancel or keep?
Replies: 14
Views: 1143

Re: 7 years into whole life - cancel or keep?

I would check on a widow/widower forum for experience with a term life company! 8-) Do you have it through your employer? That's generally the cheapest if it's an option. Thanks, will do! And no, only $50k life insurance w/ employer. Generally, employer isn't the cheapest option if you're healthy, ...
by inbox788
Thu May 17, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: 7 years into whole life - cancel or keep?
Replies: 14
Views: 1143

Re: 7 years into whole life - cancel or keep?

Hi all, I now understand the fundamentals of investing after discovering this forum. Back in 2011 (Age 19), I bought a $300,000 whole life policy (obvious mistake). Premiums are $2400 per year. I'm already 7 years in. I've been paying the "accelerated" premium program which is until 2025 (another 7...
by inbox788
Thu May 17, 2018 3:02 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage decision killing me
Replies: 49
Views: 5299

Re: Mortgage decision killing me

7/1 ARM for sure. Compared to the 30-year 4.375% fixed, you are saving ~$5000 a year in interest in the early years of the mortgage. Combined to the fact that you have $1.4m in assets, you can pay off the mortgage if the interest rates do not work in your favor after 7+ years. 7/1 @ 3.75% = $3936 3...
by inbox788
Wed May 16, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 362
Views: 15652

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

One more thing that I forgot, some people who work in a state with a high state income tax will retire in a state with low or no state income tax. Another is that many people that are in a high retirement tax brackets will leave large estates to heirs that are in lower tax brackets. Or the reverse....
by inbox788
Wed May 16, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: sharing cars with two kids home from college?
Replies: 25
Views: 1411

Re: sharing cars with two kids home from college?

When my youngest went off to college last fall, it seemed to make sense to sell our repair-prone, old minivan as opposed to letting it sit/depreciate in our driveway. The kids will be home from college in a week, they're both working locally and will need a car to get to/from work and around town. ...
by inbox788
Wed May 16, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60
Replies: 86
Views: 5003

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

My tax rate? My state tax is 6.5%, is that what you are asking? I know its going to be hard to find one around 40k for the "new" body styles. It's really bad timing to be looking at some of these SUV's as they have just changed body styles. We really haven't looked at the Acura, but I'll read some ...
by inbox788
Wed May 16, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance
Replies: 15
Views: 1232

Re: Whole Life Insurance

Update...After considering my phone conversation with the insurance rep, I don't think it makes any sense. She informed me of an annual fee of $1,000 for the annuity rider, but my wife only pays the $125 annual premium for the WL and annuity rider and the annuity rider has had a net gain of $7,000 ...
by inbox788
Wed May 16, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 2884

Re: Unique Phone Apps that you find yourself using most often?

- Chrome for almost everything else including Bogleheads :) A lot of shopping sites try to get you to download their app - I find Chrome works perfectly fine on their mobile sites without the need for another app. I have a number of shortcuts for common places on my home screens - in addition to sh...
by inbox788
Tue May 15, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance
Replies: 15
Views: 1232

Re: Whole Life Insurance

People delude themselves into thinking these are savings accounts. I’m one of them. Guilty as charged. On a year over year basis, lets say last year I could have cashed out $4000. I paid $200 in premiums and today I can cash out $4500. I pay another $200 in premiums to keep the policy in force and ...
by inbox788
Tue May 15, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60
Replies: 86
Views: 5003

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

We looked at the NX300, but it seems really small inside. We are going to test drive one just to get a feel for it, but based on the look I don't think it's large enough. I was hoping the RX would get closer to 24-25 mpg. Isn't the Highlander a 3 row SUV? I've heard good and bad things about the wa...
by inbox788
Tue May 15, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance
Replies: 15
Views: 1232

Re: Whole Life Insurance

People delude themselves into thinking these are savings accounts. I’m one of them. Guilty as charged. On a year over year basis, lets say last year I could have cashed out $4000. I paid $200 in premiums and today I can cash out $4500. I pay another $200 in premiums to keep the policy in force and ...
by inbox788
Mon May 14, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bicycle insurance? when you're in the roadway like a car
Replies: 38
Views: 3046

Re: Bicycle insurance? when you're in the roadway like a car

What about bicyclists who don't own or drive a car? Or pedestrians who don't drive, for that matter. What kind of insurance should they get? (This is an actionable question for beloved relatives who simply do not drive, for financial, prudence, and environmental reasons.) Pedestrian insurance for p...
by inbox788
Sun May 13, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Is Whole Life Insurance Worth It?
Replies: 50
Views: 3577

Re: Is Whole Life Insurance Worth It?

1. yes you need life insurance No, OP does not need life insurance yet. And most people never need whole life insurance ever! OP, when you are expecting the first child, then look into a 20 or 30 year term life policy, and buy it 1 or 2 months before it's due. Invest all the savings in Roth and oth...
by inbox788
Sun May 13, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Google Voice voicemail via email: recent changes?
Replies: 8
Views: 1203

Re: Google Voice voicemail via email: recent changes?

Are you clicking on the Request Desktop Site? The voicemail I checked was on April 6. I just did a test, and it worked for me using my iPad/Safari (iOS 11.2.5, but that should matter too much). .... BTW, are you having same issue with Firefox on desktop? No, I didn't actually "Request Desktop Site"...
by inbox788
Sun May 13, 2018 5:20 am
Forum: Personal Finance (Not Investing)
Topic: Ameriprise feedback needed
Replies: 9
Views: 777

Re: Ameriprise feedback needed

My dad is considering an Ameriprise advisor used by my grandfather. I am trying to convince him that it is not in his best interest as EVERY product that they push is usually not the best and very expensive. The advisor is trying to move my parents cash pension into an annuity which I think makes n...
by inbox788
Sun May 13, 2018 4:29 am
Forum: Personal Consumer Issues
Topic: 4 cars for 3 drivers?
Replies: 15
Views: 1097

Re: 4 cars for 3 drivers?

UpperNwGuy wrote:
Sun May 13, 2018 2:23 am
I have twice had more cars than drivers and found it to be a big hassle, so I recommend against it.
Agree. Get rid of the van and buy a minivan.

BTW, how old are the other kids and when will they start to drive?
by inbox788
Sun May 13, 2018 4:12 am
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 75
Views: 3983

Re: College laptop for fall 2018 freshman

Apple so my AAPL stock goes up! Well, the portion of AAPL in my TSM portfolio (as well as BRK). AFAIK, Dell, Lenovo, Acer, etc. aren't in TSM, though Lenovo or Acer might help my International holdings. And if you notice the absence of mention of HP products, it's an ominous sign, and that could hur...
by inbox788
Sun May 13, 2018 2:47 am
Forum: Personal Consumer Issues
Topic: Google Voice voicemail via email: recent changes?
Replies: 8
Views: 1203

Re: Google Voice voicemail via email: recent changes?

I just looked at this. It's one of those mobile vs desktop issues. If I Request Desktop Site ( https://www.imore.com/how-request-desktop-version-website-your-iphone-or-ipad ), I can still play the messages in the browser. Hmm, that does not work here. The "PLAY MESSAGE" button in the email has a li...
by inbox788
Sat May 12, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Google Voice voicemail via email: recent changes?
Replies: 8
Views: 1203

Re: Google Voice voicemail via email: recent changes?

I just looked at this. It's one of those mobile vs desktop issues. If I Request Desktop Site ( https://www.imore.com/how-request-desktop-version-website-your-iphone-or-ipad ), I can still play the messages in the browser. I found an old voicemail I had missed or forgotten about: Vision of our test. ...
by inbox788
Sat May 12, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 26
Views: 2041

Re: Cars similar to Toyota Corolla LE that I should consider for purchase?

My aging Prius now needs replacing. I commute 6500 miles each year for work, total driving 9000 miles a year. I am looking for a safe, reliable, reasonably priced car. Other than Corolla LE, what else should i look at? Why? What year is your Prius? How many miles on it? What's wrong with it? Five B...
by inbox788
Sat May 12, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: help with 401k bond choice/move
Replies: 5
Views: 288

Re: help with 401k bond choice/move

I don't think it matters which bond you choose, you'll do fine either way. The passive fund is lower cost while the active fund has managed to generate a little alpha that exceeds the cost. No guarantee it will continue, but it does have a long track record. It might have been luck or a good manager...
by inbox788
Sat May 12, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Approach to diversity out of a single stock (purchased through ESPP)
Replies: 52
Views: 3282

Re: Approach to diversity out of a single stock (purchased through ESPP)

Hi Guys, I just saw sold the stocks worth 122K with 105K as capital gains. I think I need to pay Advance Tax to the IRS before the quarter ends i.e. 15th June, is that right? Do I pay the entire tax in one chunk or divided into quarters? Should I take help from a tax advisor for this or just put in...
by inbox788
Sat May 12, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Need help with Excel Spreadsheet formula
Replies: 8
Views: 526

Re: Need help with Excel Spreadsheet formula

How do you plan make use of an average YTD heartrate? Say the number was 78.32 vs. 81.84? My watch provides average and range, measured several times a second, and even when graphed out, I can't make any sense of it. If I'm active it's between 40-180, averaging 120, while when I'm inactive it's 30-1...
by inbox788
Sat May 12, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax form [Rejected as photocopy, signature must be in blue ink]
Replies: 41
Views: 3084

Re: IRS tax form

FWIW, I'm no CSI, but they could try a drop of oil or alcohol on the signature and see if smears, where as photocopy should not. But that might destroy the signature and they wouldn't be allowed to play scientist. [Had to test it myself, and alcohol did the trick! Water and oil did nothing, and non...
by inbox788
Fri May 11, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5302

Re: New Car Suggestions: BMW Crapping Out

My wife wants an RX, so that is in the running here. We have ruled out a sedan. We are SUV folks. So based on feedback, these are my test drives: highlander , RX, MDX , CX-5, CX-9, Edge You might as well shorten the list to RX (> hilander, MDX), CX-9 (> CX-5) and Edge (haven't seen one recently). I...
by inbox788
Fri May 11, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: how to figure that shoes need replacing
Replies: 30
Views: 2133

Re: how to figure that shoes need replacing

I have these pair of ecco dress shoes that I wear to work on alternate days. So ~10-12 full days per month How do you figure that you need to change them and buy new ones. Sometimes my feet hurt but other days they don't. So i don't know if the feet hurting is because of shoes or because I was stan...
by inbox788
Fri May 11, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Amazon package that can't be traced
Replies: 72
Views: 3802

Re: Amazon package that can't be traced

Amazon does have lots of information and data, but yes, it's doable, though I wouldn't call it "fairly trivial" to search through their entire databases to find an address. That's what databases are for -- storing and retrieving stuff :) It's fairly trivial for Google to find anything and everythin...
by inbox788
Fri May 11, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Amazon package that can't be traced
Replies: 72
Views: 3802

Re: Amazon package that can't be traced

Every order that is shipped with a carrier that provides tracking will include the tracking number of the package. You can see it for your own shipments when you look at your order. The package the recipient received will have a sticker with the tracking number. Contact Amazon and give them that tr...
by inbox788
Fri May 11, 2018 2:35 am
Forum: Personal Consumer Issues
Topic: Windows 7 Update Isn't(?) Updating...
Replies: 4
Views: 573

Re: Windows 7 Update Isn't(?) Updating...

bob60014 and lazydavid, thanks very much for your responses. After about 15 hours, the computer shut down on its own. I restarted it and all seems to be normal. If I have further trouble, I will feel comfortable doing as you have suggested. Thanks again. Backup your contents and check the health of...
by inbox788
Fri May 11, 2018 2:28 am
Forum: Personal Consumer Issues
Topic: Used car, $20K-$25K
Replies: 43
Views: 3709

Re: Used car, $20K-$25K

-A sedan, but would consider a hatchback that has a composed and quiet ride. I only drive around 10,000 miles per year. My commute is only 3 miles each way. Besides the Avalon someone else mentioned, the LS 460 is a prime candidate. You'll have to reach a little older model to meet your price point...
by inbox788
Fri May 11, 2018 2:09 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5302

Re: New Car Suggestions: BMW Crapping Out

Ouch! And only 5 years old?!? My vote is for the NX. The QX5 would be a distant 2nd. If you need the 3rd row, then the QX9. I'd pick the Pilot or MDX over the Highlander. I'm no fan of the Highlander or MDX looks and think the Pilot is the best looking of the reliable reputation brands. Audi Q5 migh...
by inbox788
Fri May 11, 2018 1:50 am
Forum: Personal Consumer Issues
Topic: Amazon package that can't be traced
Replies: 72
Views: 3802

Re: Amazon package that can't be traced

I am sure they could tie it back to an order if they wanted to. Doesn’t mean they would find the actual name of whoever ordered the items. But they could lock the account and any reviews. It might not be as simple a task as someone looking up a number in a database. Seems like there are no order sl...
by inbox788
Fri May 11, 2018 1:21 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax form [Rejected as photocopy, signature must be in blue ink]
Replies: 41
Views: 3084

Re: IRS tax form

I know this is not funny to you, but it is rather comical. Somehow I've always known to sign in blue ink - doesn't matter if it is an original or a photocopy, the only thing that matters is whether the signature is original. And when all copying was in black and white, it was easy to determine - it...
by inbox788
Thu May 10, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: When to replace a car windshield
Replies: 27
Views: 1659

Re: When to replace a car windshield

There was no windshield police. I called auto insurance to have it replaced, asked for OEM. They gave their preferred provider. Man showed up and replaced. No involvement or ‘evaluation’ by insurance company. I said I had small chips making it hard to see. Stuff happens. http://losangeles.cbslocal....
by inbox788
Thu May 10, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice from Pension Fund Manager - Should I listen?
Replies: 39
Views: 1689

Re: Investment Advice from Pension Fund Manager - Should I listen?

No. Instead, invest in Bitcoin and Dandong real estate! http://www.businesstimes.com.sg/real-estate/north-korea-border-town-becomes-chinas-new-hot-property-market https://www.vox.com/world/2018/2/28/17055762/north-korea-sanctions-bitcoin-nuclear-weapons Or a three fund portfolio. https://www.boglehe...
by inbox788
Thu May 10, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: How to pass life insurance proceeds from my parents' second to die policy on to my children tax free?
Replies: 17
Views: 1059

Re: How to pass life insurance proceeds from my parents' second to die policy on to my children tax free?

My elderly parents have a $1MM second to die life insurance policy. They want the proceeds to go to their twelve grandchildren equally, so each grandchild would get $83,333. My four siblings and I (all in our 50s and 60s) are the beneficiaries of the policy. The grandparents express one wish, but t...
by inbox788
Thu May 10, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Reccommended Minivans
Replies: 31
Views: 1814

Re: Reccommended Minivans

Don't get the Odyssey, Sienna or Pacifica.

https://cars.usnews.com/cars-trucks/rankings/minivans