Search found 5032 matches

by inbox788
Wed May 23, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 42
Views: 4140

Re: $500 Windows Laptop

Was going to check if this $80 256GB would fit, but decided to put off the unneeded purchase for now.

https://www.amazon.com/Black-256GB-Perf ... 01MS6BYJD/
by inbox788
Wed May 23, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 42
Views: 4140

Re: $500 Windows Laptop

I haven’t been able to give chrome a full workout because of the screen resolution of my current chrome book. My main use case is tracking hundreds of events in November and working on my wiki as well as sorting through tens of thousands of photographs . I'm not sure about the other tasks, but if y...
by inbox788
Wed May 23, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Buy now and wait one more year to move in?
Replies: 16
Views: 1687

Re: Buy now and wait one more year to move in?

I would buy that house right now. I would never rent out a house with a pool. Renters will not care for a pool properly. You may need to hire a weekly pool service. There is also serious liability for you if something happens to a guest of the renter. After previous owners move out, there are alway...
by inbox788
Wed May 23, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Life Insurance-Where to invest savings?
Replies: 5
Views: 452

Re: Life Insurance-Where to invest savings?

We also have a kid on the way and can fund a 529. I know those buckets should be utilized before taxable, but I wanted to check some things. If I die, at age 60(I plan to not have term policy at that point), does my wife have access to Roth IRA and my 403B assets immediately even if she is not reti...
by inbox788
Wed May 23, 2018 12:51 am
Forum: Investing - Help with Personal Investments
Topic: Buy this home?
Replies: 35
Views: 3133

Re: Buy this home?

This was in Marketwatch today. You may want to wait a bit longer. https://www.marketwatch.com/story/economists-say-homes-could-go-on-sale-in-2020-when-the-next-recession-hits-2018-05-22 Since when have economists been right about anything? :mrgreen: Economist are always right. On the one hand... An...
by inbox788
Tue May 22, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: What account to withdraw from?
Replies: 4
Views: 533

Re: What account to withdraw from?

You should run the numbers both ways. I'm not sure what is meant by "both ways". My understanding is that you start with RMD, then taxable, tax-deferred, and finally tax-free in that order. If you're going to be in the same situation for the foreseeable future, year after year, I don't see the bene...
by inbox788
Tue May 22, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is Whole Life Insurance Worth It?
Replies: 54
Views: 3876

Re: Is Whole Life Insurance Worth It?

Term is 100% profit for the insurance company Except for the whole policyholder dying thing. That's gotta cut into profits. I have a coworker who is using term life as an investment. You heard me correctly. He's over 70, and is holding a policy to try to increase his inheritance. He figures that if...
by inbox788
Tue May 22, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life vs Universal Life
Replies: 13
Views: 1052

Re: Whole Life vs Universal Life

This is my simplistic misunderstanding of WL vs UL. Begin with the BTIR concept, so with either WL/UL, you're buying the term, but with WL, you invest in bonds, while with UL, you invest in equities. Like bonds vs equities, you have more guarantees with bonds, while equities have more potential gain...
by inbox788
Tue May 22, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 22
Views: 1594

Re: Anyone using Obitalk for Google Voice?

We are transitioning to Obitalk/GV from Vonage. I would switch right now if I could change the Google Voice number to my current number, which my wife wants to keep. You can, but it might be a two step dance. If you can't port directly from Vonage (or whatever service) to GV, you may be able to por...
by inbox788
Tue May 22, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 22
Views: 1594

Re: Anyone using Obitalk for Google Voice?

That update will buy you less than a month. Google is making another change, and it's uncertain how the OBi 100/110s are going to be updated for that. Further, Simon has indicated that they aren't taking new accounts, and they are uncertain about how they're going to make the change work for those ...
by inbox788
Tue May 22, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Lease buyout negotiation tips?
Replies: 18
Views: 1444

Re: Lease buyout negotiation tips?

The residual value purchase price after the lease is up is always fixed. This is not negotiable. When our lease is up, we need to go from 2 rows to 3. We'll be negotiating a best purchase price around town and then turning our lease in after we've decided on our next vehicle. The residual price is ...
by inbox788
Tue May 22, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Time For New Car?
Replies: 34
Views: 2313

Re: Time For New Car?

As for the dude who poo-poos the latest safety upgrades, I submit that they are nothing short of breathtaking. The Insurance Institute for Highway Safety agrees. In the approximate order of importance they are: Autonomous emergency braking Backup camera Rear collision mitigation Lane keeping assist...
by inbox788
Tue May 22, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Lease buyout negotiation tips?
Replies: 18
Views: 1444

Re: Lease buyout negotiation tips?

It is not a matter of needing a car or not. All lease cars go to auction. Is that a rule or guideline? Coming from the leasing company, it's a good policy, so you can validate your end of lease residual values. By forcing all the returned cars to get a market adjustment, you get real figures instea...
by inbox788
Mon May 21, 2018 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 132
Views: 7933

Re: Dave Ramsey it or keep low interest debt

My recent personal preference was at 1-2%, keep the loan. At 3-4%, I equivocate, and above pay off. Thus I'd keep both car loans as long as possible. As far as the mortgage, it may be less after tax deduction if you still qualify and itemize, so it may be lower than 3% after tax, so it doesn't reall...
by inbox788
Mon May 21, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Time For New Car?
Replies: 34
Views: 2313

Re: Time For New Car?

Depending on what you do for a living, you might consider the impression you leave driving a car that looks ready for the junk yard. Tell them you're a BH. It's a badge of honor. While some folks have less problems, it's not unheard of for some brands to be more problematic in the first half a doze...
by inbox788
Mon May 21, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Time For New Car?
Replies: 34
Views: 2313

Re: Time For New Car?

Some items are repairs, while some might be considered maintenance. And with a car that old, expect some other small/moderate items to have worn out. [infamous window regulators] Sounds like around $3000 in repairs for a 12 year old car. I'd guess it's below average. Here's one average. The average ...
by inbox788
Mon May 21, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Older iPhone text msgs disappear
Replies: 25
Views: 1060

Re: Older iPhone text msgs disappear

Go to settings. Scroll down to messages. Select. The first choice at the top is imessages. Use the button to turn off iMessages. Make a note at what other choices are on and off on that screen and report back here if you wish. The message icon on the iPhone accessed texts sent both as regular SMS t...
by inbox788
Mon May 21, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: $1,700,000 from family trust...
Replies: 57
Views: 6681

Re: $1,700,000 from family trust...

My wife and I are both 57 yrs old and plan to continue to work until age 62. I have a small amount in a 401k. We first plan to use about $130,000 of the trust money to pay off our mortgage and credit cards and will then be completely debt free. I scanned the responses, but I didn't get a sense of w...
by inbox788
Mon May 21, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Best used SUV, Wagon, Hatch, Pickup under $10k
Replies: 32
Views: 2366

Re: Best used SUV, Wagon, Hatch, Pickup under $10k

Choose first if you must have a truck or eliminate the truck. What you carry in the back will largely determine that. The Ridgeline is a good candidate, but I think the go to truck is the Toyota Crew Cab 2000-2005. Once you eliminate that, see if a hatchback is going to fill you needs. You can get a...
by inbox788
Mon May 21, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Older iPhone text msgs disappear
Replies: 25
Views: 1060

Re: Older iPhone text msgs disappear

The FIRST incoming text message from X does NOT give any indication it arrived. No ding. No copy displaying (briefly or longer). No little "number of messages waiting" showing. However, IF there is a "conversation", then when X sends ANOTHER text message, then there is a "ding". Still no display of...
by inbox788
Mon May 21, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Older iPhone text msgs disappear
Replies: 25
Views: 1060

Re: Older iPhone text msgs disappear

Seems like this type of problem has been occurring for a while now. You likely have a mischievous ghost living in your phone, likely a reflection of the previous owner. https://discussions.apple.com/thread/5503256 More than once, Apple "geniuses" messed up settings on my phones. I won't let them tou...
by inbox788
Mon May 21, 2018 3:15 am
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 52
Views: 4644

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

And that raised the question of how much more I would be willing to pay for a 50% largest battery / range if I don’t actually need it. For our use 150 miles seemed sufficient with enough margin that we wouldn’t have to think much about charging away from home. While the 150 range isn’t needed today...
by inbox788
Mon May 21, 2018 3:08 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60
Replies: 105
Views: 6658

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

Some masochist from Toyota beat the living s**t out of all Lexi with an ugly stick. Gawd they look awful. So sad. Five years ago they were gorgeous. I love Audi's but their market guys are dumber than ten boxes of rocks. In order to get all the advanced safety features you have to upgrade to the to...
by inbox788
Mon May 21, 2018 2:45 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 86
Views: 8796

Re: done with Gmail

Does any of this work? https://m.wikihow.com/Contact-Google Did you setup a recovery phone number or email? https://support.google.com/accounts/answer/183723?hl=en Sounds like you lost your password and are having trouble with their recovery system. If they ask you for previous passwords, it might b...
by inbox788
Sun May 20, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 52
Views: 4644

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

I don't understand why you posted this. The Leaf article clearly refers to problems with the first-generation battery pack, which hasn't been made since, IIRC, early 2013. I’m considering buying used a Prius, including a 2013 and the new 2018 in a few years, once used ones come to market. It’s help...
by inbox788
Sat May 19, 2018 3:37 am
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 52
Views: 4644

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: 52
Views: 4644

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: 426
Views: 20931

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: 605

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: 638

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: 52
Views: 4644

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: 52
Views: 4644

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: 426
Views: 20931

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: 426
Views: 20931

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: 52
Views: 4644

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: 105
Views: 6658

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: 4542

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: 1187

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: 1187

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: 52
Views: 6535

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: 426
Views: 20931

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: 1466

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: 105
Views: 6658

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: 1266

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: 2948

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: 1266

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: 105
Views: 6658

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: 1266

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: 3096

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...