Search found 103 matches

by Mursili
Thu Oct 10, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8034

Re: My mechanic just wrecked my car - advice?

My daughter struck a parked car (sun in her eyes) at about 25 MPH. The damage was significant. An airbag deployed and the front is significantly deformed. Just the cost to replace the seat belts is not minimal. Wow. I hope she is ok! Good data point to compare. The airbags did not go off in my car ...
by Mursili
Thu Oct 10, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8034

Re: My mechanic just wrecked my car - advice?

The owner said he was only driving about 15 mph when the accident happened but that sounds like a lot of damage for that rate of speed (?). I haven't been in an accident personally for years but I know body work is expensive. My daughter struck a parked car (sun in her eyes) at about 25 MPH. The da...
by Mursili
Sun Apr 28, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Hybrid Rental
Replies: 21
Views: 1605

Re: Hybrid Rental

When I rent from National in Kansas City, I have regularly chosen a Fusion hybrid. I like them. I have been seeing fewer of them on the lot lately, however.
by Mursili
Thu Apr 18, 2019 10:23 pm
Forum: Investing - Theory, News & General
Topic: Hedging against hyperinflation scenario
Replies: 47
Views: 3501

Re: Hedging against hyperinflation scenario

Last ditch, join the military. They tend to get food and shelter until the end. +1 get a job with the federal government and join the national guard. that would probably be a decent hedge. My uncle was a member of the national guard. That unit ended up on Bataan. "Luckily" he had already volunteere...
by Mursili
Wed Apr 17, 2019 8:32 am
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 6281

Re: Fidelity is making it hard for my daughter to fund a Roth

Bummer it didn't go through for 2018. Hope your daughter keeps at it... perhaps open/fund her 2019 IRA now... one year should be plenty of time. The issue with funding for 2019 is to be sure that she earns income. This fall she will be entering college and I would prefer that she focus on that and ...
by Mursili
Tue Apr 16, 2019 10:20 pm
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 6281

Re: Fidelity is making it hard for my daughter to fund a Roth

As an addendum... We have failed. Even though we tried though Fidelity and then through the credit union that my daughter had account with.... After hours on the phone.... After seeing the transaction moving the funds from the checking account to the Roth IRA.... We noticed a secure message today th...
by Mursili
Tue Apr 16, 2019 8:33 am
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 6281

Re: Fidelity is making it hard for my daughter to fund a Roth

So the first few times your daughter accesses HER CU accounts from a local/foreign CU, she should expect something similar and to answer many questions to prove her identity, before access is granted. It is now very clear to me that I should not expect to quickly open an account with a new institut...
by Mursili
Mon Apr 15, 2019 9:19 pm
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 6281

Re: Fidelity is making it hard for my daughter to fund a Roth

But now the issue is I have only 1 day to fund it. Eft likely won't work. Will probably have to be wire transfer. The IRA contribution can be made by check via mobile deposit using the Fidelity app. Just did this today and the contribution showed up immediately in the IRA account. We tried this app...
by Mursili
Sun Apr 14, 2019 10:03 pm
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 6281

Re: Fidelity is making it hard for my daughter to fund a Roth

Have you heard this systems management expression? "We don't have enough time to do it right, but we do have enough time to do it over." Once problems begin to arise then you know you need to work them face-to-face with a human. The above recommendation to call first, then go in person to daughter'...
by Mursili
Sat Apr 13, 2019 4:38 pm
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 6281

Re: Fidelity is making it hard for my daughter to fund a Roth

So here is what went down after my original post... My daughter made a copy of her driver's license (front side only) and sent it to the address given to her by a Fidelity representative on the phone with a nice letter asking for her account to be freed up. My daughter kept trying to use the now exi...
by Mursili
Thu Apr 11, 2019 10:18 pm
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 6281

Re: Fidelity is making it hard for my daughter to fund a Roth

Have other people had such trouble giving their money to brokerage firms? Are their firms that will allow her to fund a Roth IRA before the 15th? Linking an account and transferring funds electronically is nice but not required for funding the IRA. She can write a check from her bank account and de...
by Mursili
Wed Apr 10, 2019 11:15 pm
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 6281

Re: Fidelity is making it hard for my daughter to fund a Roth

My daughter easily opened a Roth IRA at Fidelity. I asked her to "Go down to the Fidelity office and tell them that you want to open a Roth IRA." So that's what she did. The only snafu was the rep misspelled the name of the beneficiary she designated even though the name was common and never misspe...
by Mursili
Wed Apr 10, 2019 11:01 pm
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 6281

Fidelity is making it hard for my daughter to fund a Roth

My daughter turned 18 not long ago and has been working for several years. I suggested she open a Roth and fund it with her 2018 earnings. I helped her go online and open a Roth IRA account at Fidelity, but we were not able to fund the IRA from her checking account because Fidelity could not "verify...
by Mursili
Wed Apr 10, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: Mower purchase considerations
Replies: 24
Views: 2742

Re: Mower purchase considerations

It depends on your preference and where you live, but the longer you cut grass, the less water is required to keep it green. I live in a part of the country where there is too little water. If you live in a place replete with water, this may not matter. In other words, the higher the cutter the bett...
by Mursili
Tue Apr 02, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken alternatives?
Replies: 47
Views: 3985

Re: Quicken alternatives?

Strongly disagree on GnuCash. I've been using it to track bank accounts, investments, I-Bonds, real-estate etc., I haven't come across anything it cannot track. I managed to convert 20-years of Quicken history into GnuCash and never looked back. I have been using gnucash for well over a decade - si...
by Mursili
Fri Mar 08, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: High Mileage Car
Replies: 24
Views: 2738

Re: High Mileage Car

I would say that a car that handles reasonably well and has tires that have 85,000 miles on them has no issue with the suspension. Drive the car some more.
by Mursili
Sat Feb 09, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Organizing Yubikeys
Replies: 11
Views: 1667

Re: Organizing Yubikeys

I take digital security extremely, extremely seriously (particularly since I live a digital life). Much more so than say, whether I have the perfect portfolio or investing strategy. I believe lax risk mitigation of any kind can have an impact on one's life of a significantly higher order of magnitu...
by Mursili
Tue Jan 15, 2019 10:47 pm
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 8430

Re: Gillette Mach 3 alternatives

I forgot my razor as I was traveling for work and stopped by a local Walmart and picked up an Equate 5-blade razor and an extra pack of cartridges for it. I prefer it to my Mach 3. However, when I just went to walmart.com to see what the Equate 5-blades cost, the item is no longer available. So I gu...
by Mursili
Mon Dec 31, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Must sees in Kauai.
Replies: 39
Views: 2666

Re: Must sees in Kauai.

I know, if I went to Kauai, I would want to find out and see as much about Barking Sands as I could.

That is just me, however.
by Mursili
Sun Nov 11, 2018 5:45 pm
Forum: Personal Investments
Topic: TLH and Re-balancing a buy and hold 3 fund portfolio
Replies: 5
Views: 919

Re: TLH and Re-balancing a buy and hold 3 fund portfolio

I don't know why no one else is responding, but I will... You need a loss in order to tax loss harvest. If the market just goes up that is a great thing, is it not? TLH should be a secondary consideration in your investing, not something that you actively pursue. After all, you generally need gains ...
by Mursili
Wed Nov 07, 2018 9:13 pm
Forum: Personal Investments
Topic: Payoff Mortgage
Replies: 12
Views: 1606

Re: Payoff Mortgage

I can't answer whether using your Roth is a good idea. What I can say, from many other similar threads, is that you can only know that paying off your mortgage is an optimized financial decision with hindsight. It depends on the future. You did not ask whether you should pay off your mortgage, but r...
by Mursili
Thu Oct 25, 2018 10:37 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 97
Views: 7150

Re: Personal Adventure - recommendations

I love this thread. So many ideas. To take it in another direction. What about getting a job in Antarctica and going down there for a season? I like this idea. What about purchasing some land (say Idaho or Canada) - way out there - and then showing up one day with a small set of tools and living th...
by Mursili
Sat Oct 13, 2018 12:14 am
Forum: Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 49
Views: 5683

Re: anybody sell I Bonds to buy something else?

Remember, too, that you can roll these into 529s tax free (sell the bond, put proceeds into a 529 immediately). If you don't live in a state with a tax, or one that doesn't give 529 breaks, then it doesn't make sense to do so. But for some, like me in Va, it's a double dip: You don't pay tax on the...
by Mursili
Thu Oct 11, 2018 9:56 pm
Forum: Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 49
Views: 5683

Re: anybody sell I Bonds to buy something else?

I think that there is a good chance that I will sell some/all to buy college educations for my kids over the course of the next few years.
by Mursili
Thu Oct 11, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 807
Views: 91241

Re: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)

I'm doing a little TLH, and plan to buy a Fido total market index fund. I'm wondering whether to go with FSTVX (Fidelity® Total Market Index Fund) -- ER 0.015% or FZROX (Fidelity Zero Total Market). FZROX has $1B in assets, which is pretty good for this short period. The ER difference is miniscule....
by Mursili
Thu Oct 11, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 39
Views: 2450

Re: Route-66 trip recommendations

I have driven the Albuquerque to California portion of “Route 66” many times, but mostly called it I-40. Whether this is a “scenic drive” depends on your perspective. If the goal is to drive to Disneyland in a day, the it sure does not seem very scenic. If, on the other hand, you have time to look a...
by Mursili
Wed Oct 10, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use your own cards for work travel?
Replies: 16
Views: 1322

Re: Do you use your own cards for work travel?

each corp/megacorp is different. our rules were simple I’ve always used my own cards as much as possible for various reasons. The exception is for rental cars where the corporate card has superior primary insurance. My corporate card doesn’t report to credit reports as long as everything is paid on...
by Mursili
Fri Oct 05, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Record keeping fees fidelity 401k vs. brokerage link
Replies: 19
Views: 3420

Re: Record keeping fees fidelity 401k vs. brokerage link

I imagine that your employer has some team/committee that decides on what is offered by the 401(k). I have no idea how hard it would be to communicate with them and tell them what you think. I would not hesitate sending a message to (for example) benefits@megacorp.com if I thought the 401(k) needed ...
by Mursili
Thu Oct 04, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Record keeping fees fidelity 401k vs. brokerage link
Replies: 19
Views: 3420

Re: Record keeping fees fidelity 401k vs. brokerage link

My employer's plan throws a small wrinkle into the mix. We do not pay record-keeping fees from BrokerageLink, but cannot move all funds into Brokerage Link either. In addition no more than 95% of new contributions can go into BrokerageLink. That way they ensure that will always be funds outside of B...
by Mursili
Thu Oct 04, 2018 3:22 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 471
Views: 61440

Re: Your USER NAME...what does it mean?

It's a literary reference. http://www.sparknotes.com/lit/gawain/characters https://www.shmoop.com/sir-gawain-green-knight/green-knight.html As an undergraduate student I took a whole semester course called The Arthuriad. I have no memory of that character. Good thing I became an engineer. I am a hi...
by Mursili
Sat Sep 29, 2018 9:23 am
Forum: Personal Investments
Topic: What to do with my new Fidelity accounts
Replies: 4
Views: 852

Re: What to do with my new Fidelity accounts

Thank you for the detail. That adds clarity. I now am wondering If I should go all in with Fidelity. I don't do much trading. I do have 50K ish in stocks but these stocks are from current and old jobs that offered restricted stock as part of a bonus. We have recently started using the Fidelity CMA ...
by Mursili
Thu Sep 27, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Testing validity of Monte Carlo Simulators
Replies: 34
Views: 2397

Re: Testing validity of Monte Carlo Simulators

If we knew the answer, then the traffic on this forum would be much smaller as people would just point out the "right" answer. Life is more complicated than that. People can be skeptical and still use information from the past - as long as they understand that that is not how the future will play ou...
by Mursili
Thu Sep 27, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Testing validity of Monte Carlo Simulators
Replies: 34
Views: 2397

Re: Testing validity of Monte Carlo Simulators

People seem very skeptical of MC simulations. Garbage in, garbage out. Past results mean nothing going forward. Do you really believe that there is no effort on the part of those that create the financial MC at, say Fidelity, are wholly lacking in finesse and integrity that they create an MC model ...
by Mursili
Thu Sep 27, 2018 11:06 am
Forum: Personal Investments
Topic: Secondary beneficiary for JTWROS brokerage account
Replies: 24
Views: 1699

Re: Secondary beneficiary for JTWROS brokerage account

SleepKing wrote:
Thu Sep 27, 2018 7:09 am
Perhaps its time to take a long look at Fidelity for future business....
I just verified that the JWROS Cash Management account at Fidelity that I own with my wife has contingent beneficiaries listed. Thanks for getting me to make sure that we have fully specified the account.
by Mursili
Wed Sep 26, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 8860

Re: Oil change interval for low-mileage vehicles

Please follow the manual. Especially do not use "thicker" oil just because you think it might be better for your engine. If you needed such oil (like you operated in excessively high or low temperatures) I imagine that you would already know. Remember that the temperature of the engine when running ...
by Mursili
Wed Sep 26, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: Why do we expect TSM to keep growing?
Replies: 77
Views: 9662

Re: Why do we expect TSM to keep growing?

However , saying "its been said before" doesn't change the fact that many of these resources are finite and at some point we will have to find substitutions. Population growth is already slowing. Lots of talk about lower long term growth rates going forward. It may be that "nobody knows nuthin" but...
by Mursili
Fri Sep 21, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: Can predictions on currency depreciaction be any more accurate than those of the stock market?
Replies: 13
Views: 954

Re: Can predictions on currency depreciaction be any more accurate than those of the stock market?

...I've come across this video where Dalio speaks of the economy as of a machine, governed by law of cause and effect... I personally believe that the atmosphere, unlike the economy, really is a machine, governed by the laws of cause and effect. And yet, yesterday, Accuweather predicted "no precipi...
by Mursili
Fri Sep 21, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 807
Views: 91241

Re: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)

More fun on my little experiment, having split my equity position between fstvx and fzrox evenly. Today's difference on $332k'ish in each account......$1.88 Remember this is bogleheads where the smallest difference in cost or performance can be analyzed to death. So the real question is which one o...
by Mursili
Fri Sep 21, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: Why do we expect TSM to keep growing?
Replies: 77
Views: 9662

Re: Why do we expect TSM to keep growing?

Stein's law : If something cannot go on forever, it will stop. That's one way to answer but what if it can't go on forever ? We don't know what specific finite time less than forever it will turn out to be. We have to play the hand we're dealt. PJW Actually we DO know some general timelines for whe...
by Mursili
Fri Sep 21, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 132
Views: 12434

Re: Did you really have something to retire to?

EddyB wrote:
Thu Sep 20, 2018 4:16 pm
seychellois_lib wrote:
Thu Sep 20, 2018 3:39 pm
I retired specifically to complete a singlehanded sailboat race from San Francisco to Hawaii. ....
My new plan is to retire to hang out with seychellois_lib.
Apparently you can't. He only races alone and with one hand tied behind his back. :D
by Mursili
Thu Sep 13, 2018 11:10 am
Forum: Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 71
Views: 7537

Re: Fidelity, Schwab, or Vanguard

I have no experience with Vanguard and Schwab. With Fidelity, I have enough to have an assigned adviser. I forget what level that makes me, but it does not matter. I have met with the man once to see what he would have to say. He pointed me to higher-cost, non-boglehead investment products and seeme...
by Mursili
Thu Sep 13, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: Why do we expect TSM to keep growing?
Replies: 77
Views: 9662

Re: Why do we expect TSM to keep growing?

Earnings growth is a genuine effect, but what if it can't go on forever ? PJW You made a loop in this thread back to an earlier post - if people read all of the links they will be in a loop that goes on forever... An important way that companies get capital is through the stock market represented b...
by Mursili
Wed Sep 05, 2018 11:56 pm
Forum: Personal Consumer Issues
Topic: Encryption Solution: Local + Cloud
Replies: 60
Views: 4704

Re: Encryption Solution: Local + Cloud

I switched to EncFS, it's faster to upload since individual files are separate but I don't care for the interface of starting and stopping the application as much. I don't know if this helps the OP, but I have also settled on encfs and a variety of unix tools for backing up to various cloud and clo...
by Mursili
Sun Sep 02, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 807
Views: 91241

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Jack FFR1846 wrote:
Sat Sep 01, 2018 6:51 pm
Friday's close brought my equal initial split to FSTVX and FZROX to:

$1.88 difference between the 2 positions of over $300k each.
When did you start this test? Thanks for providing real data about the new fund.
by Mursili
Sun Sep 02, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm - Homeowners discount :)
Replies: 35
Views: 2852

Re: State Farm - Homeowners discount :)

The ACV clause is in the policy to penalize arson. Most arsonists won't build a house and then sell it. They need the money now. Their houses are usually old and run-down, so depreciation takes a very large bite out of the ACV settlement. This is one reason that credit history is so effective at pr...
by Mursili
Sat Sep 01, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 78
Views: 12298

Re: Fidelity Rewards Visa Card

We, too, moved from FIA card services when Fidelity went to Elan. I saw a Fidelity ad with the card giving 2% back, but we were only getting 1.5%. I called and they brought us up to 2%. This was some time ago.

Otherwise, it seems to be a reasonable card.
by Mursili
Sat Sep 01, 2018 9:02 pm
Forum: Personal Investments
Topic: So who's rebalancing stocks to bonds right now?
Replies: 38
Views: 4931

Re: So who's rebalancing stocks to bonds right now?

If one was disciplined, wouldn't one really be rebalancing from US stocks to International stocks right now? Wow, I feel like I must be doing something right since I just rebalanced from total stock market (FSTVX) to my chosen "total international" (FSGDX). I must be saving quite a bit in FI in the...
by Mursili
Fri Aug 31, 2018 10:37 am
Forum: Personal Investments
Topic: 3 fund portfolio across all accounts?
Replies: 10
Views: 1251

Re: 3 fund portfolio across all accounts?

There is one thing that confuses me about such discussions. If my idea of early retirement is a date before we can access tax-advantaged accounts without penalty, then does it not make sense to have FI in taxable accounts? In other words, I imagine that we will need to draw down the taxable accounts...
by Mursili
Wed Aug 29, 2018 11:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1878
Views: 195189

Re: U.S. stocks continue to soar!

We need an update frequency chart. Anyone have the scripting chops to pull dates of posts from these two threads and update a speadsheet? Here's a quick chart: https://drive.google.com/file/d/1yV_BgGfJvW4yt5HwajZYpFnrXIOY7G2o/view?usp=sharing perihelion - Welcome to the forum (if a person such as m...
by Mursili
Sun Aug 26, 2018 11:01 pm
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 101
Views: 12859

Re: Call the Top!

Nice. That is indeed an irrational number, see: is (golden ratio*2*1000) an irrational number - Wolfram|Alpha FYI - The Wolfram|Alpha: Computational Intelligence tool is a knowledge-based math engine. Check their Money & Finance examples. Thanks for the link, LadyGeek. I see from the wolfram alpha ...