Search found 5514 matches

by inbox788
Mon Oct 22, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
Replies: 32
Views: 3978

Re: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus mo

Provided you have another account ... Fidelity's card requires the cash back bonus be deposited into a Fidelity account. My cash back goes right back to pay the Visa bill. I don't see the need for it to go any further for a few pennies. (It's setup to automatically redeem when it crosses $50 minimu...
by inbox788
Mon Oct 22, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 47
Views: 1229

Re: Car Dealer told us car was Certified, but it isnt

I don't care about paperwork, a verbal contract is as good as written. You cant have sales people telling you a car is certified when it isn't that is fraud. You should care about paperwork because the sales people will deny that they told you that the car was certified and you will have no proof o...
by inbox788
Mon Oct 22, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring $1.2 Mil taxable to Vanguard
Replies: 14
Views: 2281

Re: Transferring $1.2 Mil taxable to Vanguard

I would transfer everything over in kind to Vanguard. Then look at cost basis and expense fees to take further action.

I don't see 30% bonds. What's your desired AA?
by inbox788
Mon Oct 22, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 47
Views: 1229

Re: Car Dealer told us car was Certified, but it isnt

Sorry, but did you read the contract? Did you learn about the program? https://www.mazdausa.com/certified-pre-owned https://www.mazdausa.com/siteassets/pdf/cpo/cpo_brochure.pdf They make a big deal about it and it's plastered everywhere. If you bought a Certified Pre-Owned, it would be all over the ...
by inbox788
Mon Oct 22, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 44
Views: 3374

Re: What to do with >$1000 in Amazon credits?

Why not? 2018 1 oz Gold American Eagle Coin BU 1 OZ Brilliant Uncirculated I looked at it, but coins were selling at a $200 premium to $1200 price of gold. True story. I've had this happen twice now. Once with $700 worth of gift cards from Home Depot and another time with $50 from CVS. Thankfully, ...
by inbox788
Mon Oct 22, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 35
Views: 1894

Re: For those who paid off house - how did you do it?

I just added a little to the principle each month - paid it off in 11 years and I think I refinanced a total of 4 times from the time we bought it in 2004. Because I refinanced one at a time, I didn't add up that I also did it 4 times in total. I'm not sure you can count on that tailwind going forw...
by inbox788
Mon Oct 22, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Dentist "Service Fee" for Filing Insurance Claim?
Replies: 28
Views: 2209

Re: Dentist "Service Fee" for Filing Insurance Claim?

If copays, that is one thing, if a service charge, it is outrageous. As one who filed insurance in my profession before retirement, such a charge was specifically disallowed in the provider agreement with insurance companies . Insurance companies also required the provider to file for the patient r...
by inbox788
Mon Oct 22, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Dentist "Service Fee" for Filing Insurance Claim?
Replies: 28
Views: 2209

Re: Dentist "Service Fee" for Filing Insurance Claim?

I was asked to pay a small fee in cash to fill out forms and I was annoyed, but complied. I think it's a start of a bad trend like the nuisance small copays that now account for a large portion of the business and generating office visits seems to be the way to collect more copays. It's like the lu...
by inbox788
Mon Oct 22, 2018 2:07 am
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 111
Views: 5854

Re: Quitting w/o notice

Do you have enough vacation that you can go on vacation and then give notice while you're on "vacation"? You could give two weeks notice and then just not show up for those two weeks. Some employers might not make any effort to "fire" you in those circumstances because they you're gone just the sam...
by inbox788
Mon Oct 22, 2018 1:39 am
Forum: Personal Consumer Issues
Topic: Dentist "Service Fee" for Filing Insurance Claim?
Replies: 28
Views: 2209

Re: Dentist "Service Fee" for Filing Insurance Claim?

I was asked to pay a small fee in cash to fill out forms and I was annoyed, but complied. I think it's a start of a bad trend like the nuisance small copays that now account for a large portion of the business and generating office visits seems to be the way to collect more copays. It's like the lug...
by inbox788
Mon Oct 22, 2018 1:12 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 44
Views: 3374

Re: What to do with >$1000 in Amazon credits?

In my garage, I have a years supply of toilet paper, paper towels, Kleenex, vinyl gloves, detergent, wet wipes, dishwashing detergent, soap, body wash, deodorant, shampoo, toothpaste, toothbrushes, canned foods, dry foods, Gatorade, other drinks, paper plates, plastic forks, napkins, plastic cups, a...
by inbox788
Sun Oct 21, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Headlamp for dog walking
Replies: 24
Views: 1478

Re: Headlamp for dog walking

For you or the dog? https://www.youtube.com/watch?v=sgTKUKqTCOI I probably wouldn't get a headlight for the dog, but a lightup collar or vest would help keep him safer. With regular use, I'd be sure to get a rechargeable, and if you go with AA, some way to charge it without removing the batteries or...
by inbox788
Sun Oct 21, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Toshiba CB2 2015 CB35-C3300 w/ HD screen???
Replies: 5
Views: 324

Re: Toshiba CB2 2015 CB35-C3300 w/ HD screen???

I'm on 68.0.3440.118 with an update pending on reset/restart, but my Chromebook is near EOL. I went to Settings/Device/Display Interrnal and the Display goes from Tiny to Huge. Tiny is 2194x1234 (CTL-Shift-- all the way). About 8 gradations with each CTL-Shift-+ I get 1920x1080 (Native), 1807x1016, ...
by inbox788
Sun Oct 21, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Toshiba CB2 2015 CB35-C3300 w/ HD screen???
Replies: 5
Views: 324

Re: Toshiba CB2 2015 CB35-C3300 w/ HD screen???

Does CTL-Shift-+ change anything? What resolutions are available? The numbers you quoted are odd (1518 x 853) and I can't find any such standards. https://en.wikipedia.org/wiki/List_of_common_resolutions I've got a year older one I'll take a look at later and let you know what I have available. What...
by inbox788
Sun Oct 21, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 50
Views: 5187

Re: My Edward Jones IRA is out performing my Vanguard 401K

Do you have longer time performance, say 5 years? http://quotes.morningstar.com/chart/fund/chart?t=FDTRX®ion=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A8%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShowName%22%3A%22name%22%2C%22mainSettingId%22%3A%22main%22%2C%22navSettingI...
by inbox788
Sun Oct 21, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Gift Tax
Replies: 10
Views: 464

Re: 529 Gift Tax

Does it matter if the $20k was contributed to one account that is in my name only? No, as long as you file a gift tax return and elect to split the gift. Gill I thought the whole point was NOT to file a gift tax if you stay under. If I'm mistaken, I've got to go back and fix a bunch of years. What ...
by inbox788
Sun Oct 21, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 2793

Re: Why Purchase an Automobile using Premium Gasoline?

But the Lexus RX and NX serve very similar, overlapping, market segments. Your theory that requiring premium signals a better car makes some sense, but not in this case. While there's some overlap, they have very different competition. The NX competes with other luxury cars like the Audi Q5, BMW X3...
by inbox788
Sun Oct 21, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 2793

Re: Why Purchase an Automobile using Premium Gasoline?

A few years ago when I was trying to decide between the Lexus RX and the Lexus NX, the fuel thing was part of my decision to go with the bigger vehicle (RX). Oddly, the NX requires premium but the RX does not. And even though the NX is a smaller vehicle, when you factor in the cost of premium, the ...
by inbox788
Sun Oct 21, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5004

Re: 8 reasons why pensions are [good]

I was amazed at some of the pensions government worker are receiving. Now that's [good --admin LadyGeek] . https://transparentcalifornia.com/pensions/all/ Just to be clear, my intended meaning was a word that meant good as well as not good at the same time. From the recipient's point of view, it's ...
by inbox788
Sun Oct 21, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5004

Re: 8 reasons why pensions are [good]

Is " [good --admin LadyGeek] " the word you really want to use here?? Clickbait. I'm guilty as charged. Good is good. Bad is bad. And there is Michael Jackson Bad. https://upload.wikimedia.org/wikipedia/en/thumb/5/51/Michael_Jackson_-_Bad.png/220px-Michael_Jackson_-_Bad.png https://www.songfacts.co...
by inbox788
Sun Oct 21, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Using Mint: Am I correct in having my security concerns allayed?
Replies: 18
Views: 2009

Re: Using Mint: Am I correct in having my security concerns allayed?

(Deleted, misunderstood). I guess the question is how many financial institutions support OAuth, and whether you feel there is a risk simply in disclosing read-only access. You might want to listen to the podcast, Anatomy of a Scam , and, in particular note how important it is to scam artists to kn...
by inbox788
Sun Oct 21, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Using Mint: Am I correct in having my security concerns allayed?
Replies: 18
Views: 2009

Re: Using Mint: Am I correct in having my security concerns allayed?

My thinking on this is companies get hacked all the time. If the companies at which I have financial accounts get hacked that's on them, if Mint/Personal Capital/etc get hacked and I gave them usernames and passwords to log in to my financial accounts against the terms of service of those financial...
by inbox788
Sun Oct 21, 2018 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Using Mint: Am I correct in having my security concerns allayed?
Replies: 18
Views: 2009

Re: Using Mint: Am I correct in having my security concerns allayed?

Many companies don't want to play ball and that's been the main problem with API's that led to screen-scraping. Is Mint only API now? Website doesn't say much that I was able to find. Is there a list of institutions that they interface with without downloading the app and signing up? What fraction ...
by inbox788
Sat Oct 20, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Using Mint: Am I correct in having my security concerns allayed?
Replies: 18
Views: 2009

Re: Using Mint: Am I correct in having my security concerns allayed?

Data aggregators and consumer fintech application providers have expressed reservations with an API approach. They claim, for example, that their efforts to work with financial services companies to do away with screen-scraping have for the most part been met with resistance, and that financial ser...
by inbox788
Sat Oct 20, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Received strange letter from IRS
Replies: 14
Views: 2653

Re: Received strange letter from IRS

A tax attorney who has apparently seen a number of these letters sent to his clients blogs about them here: http://www.mwattorneys.com/blog/whats-the-point-of-irs-letter-2645c/ Apparently such letters leave him scratching his head just as much as you. I was just going to quote that. It was the 3rd ...
by inbox788
Sat Oct 20, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring $1.2 Mil taxable to Vanguard
Replies: 14
Views: 2281

Re: Transferring $1.2 Mil taxable to Vanguard

If you're thinking of withdrawing in 7 years (age 55 now, withdraw age 62), then it may be worthwhile to think about asset allocation at the same time. I would transfer in kind if they're Vanguard funds or eligible for in-kind transfer. You could sell other assets in taxable account. I believe ther...
by inbox788
Sat Oct 20, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Choice Questioning
Replies: 13
Views: 827

Re: Fund Choice Questioning

No, you're not timing the market. You're trying to figure out your AA, and whether you should change it. That's an OK BH thing to do. Your current AA is 30/70 (just VTINX) and actually far more conservative because of the other bonds you mentioned as well as the pension and SS if you included those....
by inbox788
Sat Oct 20, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: Fidelity and Blackrock employees sue over 401k plans
Replies: 10
Views: 1681

Re: Fidelity and Blackrock employees sue over 401k plans

Regardless of whether these cases have merit, they show that 401(k) investors often pay steep fees for funds sold by their employers that don’t produce better returns than low-cost index funds. [/b]For better or worse, the employees at Fidelity, Blackrock and other brokerage and finance companies a...
by inbox788
Sat Oct 20, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: How to recognize loss on $0.00 call option
Replies: 7
Views: 550

Re: How to recognize loss on $0.00 call option

Can you enter a "good till canceled" market order? If not, perhaps a .01 limit order, good till canceled. Might fill, might not. There are lots of gamblers in the options market. Try it for a month, then try one of the other things mentioned here. Ralph Is there anywhere to see how deep the 0.01 as...
by inbox788
Sat Oct 20, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: Fidelity and Blackrock employees sue over 401k plans
Replies: 10
Views: 1681

Fidelity and Blackrock employees sue over 401k plans

‘Shame on Them.’ Fund Companies Got Sued By Their Own Employees Over Pricey 401(k) Plans. By Daren Fonda Oct. 19, 2018 3:42 p.m. ET Ultimately, courts and regulators may have to decide two very tricky issues: When do fund fees cross the line from reasonable to excessive? And are plan trustees oblig...
by inbox788
Fri Oct 19, 2018 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5045

Re: Spoke with a CFP...underwhelming!

There are advantages and disadvantages to both strategies. The bond allocation in taxable could have Total Bond substituted for Tax Exempt Bonds. In fact, Rick Ferri used to recommend a Equal Location strategy. Perhaps he can provide additional perspective. These finer points are relative minor in ...
by inbox788
Fri Oct 19, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16066

Re: Fidelity Full View transition to eMoney

It’s been 2 months?! Still not working well for me. It’s a free product, so we are the product. I wonder rather than just moving my investments elsewhere (the low cost index’s are competitive) if they would take more notice if folks just unlinked accounts and stopped giving them free information......
by inbox788
Fri Oct 19, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Kids inherited $8,000 each - 529 or regular brokerage?
Replies: 34
Views: 2237

Re: Kids inherited $8,000 each - 529 or regular brokerage?

Sorry, I don't get the logic on the "family money" thing. All money that has ever been given to our kids, we put in their name. I figure, it's a great way to get them started on saving and investing. Obviously, we still control it--DS12 may WANT an iPhoneXS, he may have the funds in his savings acc...
by inbox788
Fri Oct 19, 2018 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Retired applying for credit cards
Replies: 22
Views: 2016

Re: Retired applying for credit cards

Thanks for the feedback, much appreciated. When I find a card that seems useful I'll give it a whirl. Just was a little confused on the whole "income" thing. It's more like "proof of income" or "evidence of income". Anyone try bank deposits, brokerage statements or other investment based income rat...
by inbox788
Fri Oct 19, 2018 12:22 am
Forum: Personal Finance (Not Investing)
Topic: 5% ESPP
Replies: 16
Views: 1155

Re: 5% ESPP

I had an ESPP at my previous company with 5% off the last day of the period. No holding period, but it usually took at least a week for the shares to show up. Sometimes 2. The delay often ate the entire discount. You are correct. Its purchase date, but often the 30 day window wipes out the benefit....
by inbox788
Fri Oct 19, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Is this a gift?
Replies: 4
Views: 1017

Re: Is this a gift?

Missed the part about the non-citizen spouse. Find out If Gifts to Your Spouse Are Taxable The Gift Tax Applies Only Under Certain Circumstances "Annual" is the keyword. You can give this much per year without incurring the gift tax, which can add up considerably over a lifetime, effectively making ...
by inbox788
Thu Oct 18, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Most economical high-quality car wash
Replies: 13
Views: 1399

Re: Most economical high-quality car wash

Sounds like you need a good detail followed by a good wax or polish applied. Also, harsh detergents at car washes tend to strip all the hard work of waxing. If other cars are coming out of the car wash clean and shiny, their protective layers are still intact. BTW, stay away from Dawn. There are qui...
by inbox788
Thu Oct 18, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Kids inherited $8,000 each - 529 or regular brokerage?
Replies: 34
Views: 2237

Re: Kids inherited $8,000 each - 529 or regular brokerage?

Given the modest amount, I'd consider it "family money". While technically it's the child's money, the parents will still contribute substantially to college costs. I wouldn't do this, but technically, couldn't you charge the kids rent, food expenses, utilities, clothing, transportation, etc. until...
by inbox788
Thu Oct 18, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Kids inherited $8,000 each - 529 or regular brokerage?
Replies: 34
Views: 2237

Re: Kids inherited $8,000 each - 529 or regular brokerage?

I think this is a very valid statement. It's not your money, it was a gift to your children. Obviously, they're not of an age where I'd be handing them complete control of it, but they're old enough to start a dialog. Talk to them about the individual who gifted them this, how can they honor that p...
by inbox788
Thu Oct 18, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Heavy Loss in Stable Value Fund of 401k investments
Replies: 31
Views: 3668

Re: Heavy Loss in Stable Value Fund of 401k investments

The stability is only offered, and only offerable, if the investment is continually available to participants. The scheme works because participants are more or less trapped into the option while they are employed. So withdrawals can be met with new deposits, or a small amount of borrowing by the f...
by inbox788
Thu Oct 18, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Heavy Loss in Stable Value Fund of 401k investments
Replies: 31
Views: 3668

Re: Heavy Loss in Stable Value Fund of 401k investments

The part that is disturbing to me: I had heard of stable value funds loosing money when the employer or an insurance company providing the insurance wrapper had gone out of business. I hadn't heard about a case of stable value funds loosing money (and having the loss passed on to the investors in t...
by inbox788
Thu Oct 18, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a gift?
Replies: 4
Views: 1017

Re: Is this a gift?

I'm confused as to the titling of the trusts and the gifts, but... Exceptions to the Rules Be aware that the following gifts are generally gift-tax exempt, preserving the full annual gift tax exclusion and unified exemption: Gifts from one spouse to the other spouse, Gifts to a qualified charitable ...
by inbox788
Thu Oct 18, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Approach to rescinding a job acceptance
Replies: 50
Views: 3910

Re: Approach to rescinding a job acceptance

That said, you very well could just have burned any bridges and it may not matter. OP may appear to be a mercenary to both companies. War will be fought, bridges will be blown up, bridges will be rebuilt, alliances change. This is the story of the battle for Castle Itter where Americans and Germans...
by inbox788
Thu Oct 18, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 47
Views: 3127

Re: Car servicing

That doesn't mean it's right. Brake fluid is probably the most commonly neglected fluid that really shouldn't be neglected. If it's turned dark it should be done. Proper maintenance would be about every 3 years regardless of mileage. At minimum it should be done when the pads are done - since you'r...
by inbox788
Thu Oct 18, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: CA property tax > $10K, any options to deduct all?
Replies: 28
Views: 3815

Re: CA property tax > $10K, any options to deduct all?

Hi All, Are there any options if the property tax I have to pay this year is more than $10K? I can only deduct up to $10K, but was wondering if there is any legal workaround to be able to deduct the entire property tax bill... Is this your total bill? Can you defer part of the payment to next year?...
by inbox788
Wed Oct 17, 2018 5:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 193
Views: 58896

Re: Vanguard's Wellesley Income fund is incredible

IMO, not meaningful, but I though about finding companies that may have beat it (since 1970 data on Morningstar), and I wasn't able to come up with one until about my 10th try. I tried Berkshire first, but the data for A shares only started in the 90's and later for the B shares (and it does handily...
by inbox788
Wed Oct 17, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: 5% ESPP
Replies: 16
Views: 1155

Re: 5% ESPP

I'd do it if it wasn't too much concentration. How much is the max you can put in (and pull out as you've met the holding requirement) and what percentage of your investable assets would it amount to? I wouldn't be scared off by up to 10% or so. Personally, I'd skip it. I'm at a company whose stock ...
by inbox788
Wed Oct 17, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 47
Views: 3127

Re: Car servicing

Own a 2010 Honda Civic and the dealer seems to keep finding new problems and each service runs me 500 or so. Thinking of switching dealers. Any suggestions on where to take my car? Currently I use a Honda dealer. Can you list the problems you've had (describe them) and the ones the dealer found? Ho...
by inbox788
Wed Oct 17, 2018 3:04 am
Forum: Investing - Help with Personal Investments
Topic: Adding significant contribution to grandson's Utah 529
Replies: 7
Views: 701

Re: Adding significant contribution to grandson's Utah 529

You can gift $70000 per grand parent (5 year) to a 529 plan. Utah (vanguard) has static fund plan or aged based. I like the static one because of low fee and better control of AA. You have 10 years to let it grow. Not very long horizon. 60/40 (40US/20intl/40bond) or 70/30 (40US/30Intl/30bond) balan...
by inbox788
Mon Oct 15, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging VT total world stock for VTI & VXUS
Replies: 14
Views: 798

Re: Exchanging VT total world stock for VTI & VXUS

IMO, the biggest reason to split VT is to reduced the expense ratio. You can adjust the drift over long periods if you choose, but I think it will take a decade for that effect to exceed the few basis points in fees. There's also foreign tax, but that's another small factor. Enjoy simplicity or enjo...