Search found 1323 matches

by William4u
Sun Jan 20, 2019 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8193

Re: Divorce w/child. Spouse wants to move.

OP, I've already posted once in this thread but I will say it again: if you care about your child, spend the $500 to consult with an attorney to understand what your rights are regarding your child's location. Just because you consult with an attorney first doesn't mean you're "bringing lawyers int...
by William4u
Sun Jan 20, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8193

Re: Divorce w/child. Spouse wants to move.

At least TALK to a lawyer about your state's approach to this issue. This is a COMMON issue in divorce and most states have a standard way of dealing with it, and the sooner you learn this from an attorney the better off you will be in understanding what to do.
by William4u
Sat Jan 19, 2019 1:34 am
Forum: Personal Consumer Issues
Topic: Any admission pointers from pre- med/ med students?
Replies: 58
Views: 3135

Re: Any admission pointers from pre- med/ med students?

Do something interesting... Was he a violin major? Actually, this is a good idea. Admissions committees see a sea of Bio Majors, but get more interested in the majors that one might not expect, like in the arts or liberal arts. Just out of curiosity I often ask who is the top med student at a parti...
by William4u
Tue Jan 15, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: 2019 Camry vs RAV4
Replies: 39
Views: 3681

Re: 2019 Camry vs RAV4

You never know what these cars REALLY cost until you use something like the "Fighting Chance Method" and you use competitive bidding among a dozen toyota dealerships. I got a new Prius with BSM etc. a year ago for $20k before taxes and TTL this way. Prices can vary quite a lot over the year, and wha...
by William4u
Sun Jan 13, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5542

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

One more point in the minivan vs SUV comparision. We had a Sienna when the kiddos were little. When oldest got to driving age we passed on my wife's CR-V to the oldest to take to college and bought her a Highlander. So we have lots of experience in the minivan (over 300,000 miles on it) and more re...
by William4u
Fri Jan 11, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5542

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

Everyone I know was very happy after they got the minivan. They say things like, "I can't believe I waited this long to buy a minivan."
by William4u
Wed Dec 19, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Math: How much would you spend to repair this car?
Replies: 53
Views: 2376

Re: Math: How much would you spend to repair this car?

Get a new car. Even if you fixed it, there is no way to prevent lots of little issues from the fix that will make it difficult or unsafe. A "fixed" totaled car is never right again.
by William4u
Thu Dec 06, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate
Replies: 19
Views: 1555

Re: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate

I would make an offer to several dealers OTD well below that price and see who comes the closest. This is what I did. When I just asked a dealer for their best price, it was $5k more than what I ended up paying after I did competitive OTD-price bidding from the 12 closest toyota dealers. I pretty m...
by William4u
Thu Nov 29, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Why is the Honda Fit so hard to find?
Replies: 63
Views: 6056

Re: Why is the Honda Fit so hard to find?

Consider looking at the Corolla Hatchback. https://www.toyota.com/corollahatchback/ So I've been researching that car the past few days. I looked at it before when it was the rebranded Scion iM and didn't care for it as much as other cars. But it looks like they changed the car completely for 2018 ...
by William4u
Mon Nov 26, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 94
Views: 10228

Re: Prime MM vs 6-month Treasury in IRA

I have some concern that Prime has the ability to restrict withdrawals/impose fees in extreme situations. The Fed money market has none of these restrictions for about 11 bps less. Treasury Money Market is another option if you investing $50k it has the same yield as Prime with no restrictions/with...
by William4u
Sun Nov 18, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is my husband ready to quit tenured professorship to pursue side hustle?
Replies: 97
Views: 10486

Re: Is my husband ready to quit tenured professorship to pursue side hustle?

My wife and I are tenured professors and we are familiar with book deals with commercial presses. The textbook market is extremely competitive and no one can count on $70,000 a year without regularly updating the textbook. Publishers generally prefer a current professor writing a book than a Emeritu...
by William4u
Sun Nov 18, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 94
Views: 10228

Re: Prime MM vs 6-month Treasury in IRA

I have some concern that Prime has the ability to restrict withdrawals/impose fees in extreme situations. The Fed money market has none of these restrictions for about 11 bps less. Treasury Money Market is another option if you investing $50k it has the same yield as Prime with no restrictions/with...
by William4u
Mon Nov 12, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 8001

Re: Move savings to Prime Money Market Fund (VMMXX)

For these reasons I prefer Vanguard's Federal MM over Prime MM. How do I find out how much of Federal MM is taxable in my state? I found the PDF that showed the taxable percentages for their municipal funds, but nothing on Federal MM. 69.86% from US Govt Obligations. https://personal.vanguard.com/p...
by William4u
Sun Nov 11, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 8001

Re: Move savings to Prime Money Market Fund (VMMXX)

The settlement fund (VMFXX) has some minor advantages over prime money market (VMMXX): - Can withdrawl money immediately (often 1 day ACH to most banks), vs the T+2 settlement of prime - Similar or better return in medium/high tax states - A bit safer - holds mainly US gov debt, not subject to rede...
by William4u
Sun Nov 11, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 8001

Re: Move savings to Prime Money Market Fund (VMMXX)

FYI, Vanguard Federal MM has a 2.13% compound yield, and is just 11 bp behind Prime MM's 2.24% yield. Federal MM has some advantages over Prime MM. For example, in many states Federal MM is tax advantaged for state tax (unlike Prime MM, which is taxed 100% as income for state taxes). So for many pe...
by William4u
Wed Nov 07, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 8001

Re: Move savings to Prime Money Market Fund (VMMXX)

FYI, Vanguard Federal MM has a 2.13% compound yield, and is just 11 bp behind Prime MM's 2.24% yield. Federal MM has some advantages over Prime MM. For example, in many states Federal MM is tax advantaged for state tax (unlike Prime MM, which is taxed 100% as income for state taxes). So for many peo...
by William4u
Sun Oct 28, 2018 4:34 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 9441

Re: Girlfriend's Student Loans

The average cost of tuition at a public school right now is about $10,000 a year. $15,000 a year is a pretty typical cost for room and board. So getting debt to the tune of $25,000 a year for 4 years to equal $100,000 is not out of the ordinary. It doesn't strike me as irresponsible to accrue this k...
by William4u
Wed Oct 24, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: I-bonds or CDs
Replies: 10
Views: 2135

Re: I-bonds or CDs

First of all, 3% for a 5-year CD is not a good rate. Brokered CDs yield as much as 3.5% for 5 years. Besides that, if he amount of money is significant, I would not want to put it all into a 5-year CD. What if rates are much lower 5 years from now when you want to reinvest? I would suggest dividing...
by William4u
Wed Oct 10, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3707

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

AWD Snow Tire > FWD Snow Tire > AWD All Season > FWD All Season Are you in the mountains? Then I'd go with a Subie/SUV/Pickup. Otherwise, Mazda is probably fine. I would refine this more like: AWD Snow Tire > FWD Snow Tire >>> AWD All Season > FWD All Season The difference given by snow tires is mu...
by William4u
Wed Oct 10, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3707

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Not about these specific vehicles but... I was totally ready to scrape my Honda Odessesy because of "slip slidin' away" (Minnesota winter :happy ). Someone suggested snow tires. This might be the part that helps you. The first new set of snow tires were the top ranked Blizzack (sp). It rained and I...
by William4u
Tue Oct 09, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Switch to Ally or just Keep more in Vanguard Federal Money Market Fund
Replies: 21
Views: 3171

Re: Switch to Ally or just Keep more in Vanguard Federal Money Market Fund

Vanguard Federal MM yield is 2.03%. Prime MM is 2.22%. For most people, the higher yield, even with state taxes, is better. I use Ally for bill paying, using the local bank for notary, medallion, cash deposits, USPS money order deposits, etc. Ally holds a few months, Prime MM holds a few months. FY...
by William4u
Sun Sep 30, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: College Student Performance Issues
Replies: 83
Views: 4722

Re: College Student Performance Issues

OP, I went through 2 freshmen's orientation for parents. The 2 key points for avoiding freshmen drop out: 1) Show up for classes. As long as the students show up for classes, half of the battle is won. 2) Ask for help. The students need to learn to ask for help. The support system and help are avai...
by William4u
Sun Sep 30, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: College Student Performance Issues
Replies: 83
Views: 4722

Re: College Student Performance Issues

I'm a college prof. Your DD sounds just like about 50% of college students most anywhere. Most of these students end up figuring it out on their own and graduate just fine. The adjustment takes some time. Some have a rocky freshmen year and then do fine after that. She might not be doing all that ba...
by William4u
Sat Sep 29, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 4915

Re: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

The emails I'm getting say that they cannot upgrade me without my permission, but they are trying to "guilt" me into it as others have mentioned. Because of the feedback here, I feel comfortable waiting until 2019.
by William4u
Sat Sep 29, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 4915

Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

I keep getting Vanguard emails saying I need to "upgrade" to brokerage accounts ASAP. I want to hold off upgrading until 2019, since I have done a lot of taxable buying and selling in 2018. I have heard horror stories of Vanguard messing up cost basis and tax documents after an upgrade, so I want to...
by William4u
Sat Sep 29, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: How to set up direct deposit to Vanguard Prime Money Market?
Replies: 29
Views: 3453

Re: How to set up direct deposit to Vanguard Prime Money Market?

Federal Money Market, for the last year or so, is generally 13-15bp behind Prime Money Market. But Federal MM generally has better tax treatment (being partially exempt from state taxes). The difference in returns between Federal MM and Prime MM is very small, once taxes are calculated. Right now, F...
by William4u
Thu Sep 20, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 187
Views: 25748

Re: Vanguard - You'll need to sign up for security codes soon

Someone may have addressed this already: if I take care of my mother's vanguard account, can I get a separate username and password into her account, with my own SMS? That way, she gets an SMS on her phone, and I on mine, and there is no problem. If you’re asking whether you can use the same 2FA ph...
by William4u
Thu Sep 20, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 187
Views: 25748

Re: Vanguard - You'll need to sign up for security codes soon

Someone may have addressed this already: if I take care of my mother's vanguard account, can I get a separate username and password into her account, with my own SMS? That way, she gets an SMS on her phone, and I on mine, and there is no problem.
by William4u
Thu Sep 13, 2018 1:12 am
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 5032

Re: Buying a new Toyota Camry. What extra options if any?

... plus over the life of the car the extra gas efficiency saves you more than $1000/year. That assumes some interesting assumptions. I spend between $400 and $600 a year on gasoline. I was using the average annual driving mileage that is on fueleconomy.gov (which is approx 15k/yr). Assuming averag...
by William4u
Sat Sep 08, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 5032

Re: Buying a new Toyota Camry. What extra options if any?

Looks like the 4 big options on LE's were: Blind Spot Monitor - I would 100% have this option Convenience Upgrade- Push start/ keyless entry etc. - I enjoy it Audio Upgrade - qi charging, bigger/ "better" screen etc. - not a must for me Moon roof - Not a must for me Google - 2018 Toyota Camry Featu...
by William4u
Fri Aug 10, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: Turkey/Turkish Stocks down 32% - approaching 2008 levels
Replies: 106
Views: 12321

Re: Turkey/Turkish Stocks down 32% - approaching 2008 levels

Turkey etf down 18% more today alone (was down 21% earlier today). They have some problems that will continue for a while. The largest exchange-traded fund to track Turkey's equity market plummeted on Friday after the European Central Bank raised questions about a possible contagion from Turkey's em...
by William4u
Mon Aug 06, 2018 11:20 pm
Forum: Personal Consumer Issues
Topic: Your opinion on online courses?
Replies: 26
Views: 2361

Re: Your opinion on online courses?

I've talked to many profs about this. Admin loves online classes since they are great money makers. However, for the most part undergrads learn a lot less. A prof at another institutions turned a regular undergrad course into an online course and she showed her online syllabus to a colleague. The co...
by William4u
Fri Aug 03, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 283
Views: 47454

Re: [Ally online savings now at 1.75%]

oldcomputerguy wrote:
Fri Aug 03, 2018 3:26 pm
FWIW, just got an email from Ally, they bumped up to 1.8%.
Vanguard Federal Money Market (for the Vanguard Sweep and their Advantage checking account) is 1.89% compound yield (and it is exempt from many state and local taxes). The Vanguard Prime MM is 2.08%.
by William4u
Sat Jul 28, 2018 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Expenses
Replies: 30
Views: 2261

Re: Assisted Living Expenses

An n of 2 family members: each were in assisted living for about 2 years and in nursing care for less than a year before passing. Assisted living was around $4000 and nursing care around $7000 a month. Lets round up a bit and say that it was about $200k for assisted living/nursing home care. However...
by William4u
Sat Jul 21, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Family Foundation - Best way forward
Replies: 25
Views: 1911

Re: Charitable Family Foundation - Best way forward

Sounds like a lot of overhead to me going with a foundation. There are a group of professors at Ivy League universities who research the most efficient charities with the lowest "ER" so-to-speak. They want to most "bang" in terms of helping the most in need for their buck... https://www.effectivealt...
by William4u
Sun Jul 15, 2018 2:04 am
Forum: Investing - Theory, News & General
Topic: Change in Flagship Rep Service ?
Replies: 21
Views: 2464

Re: Change in Flagship Rep Service ?

I've always just called the Flagship phone number and talked to whomever answered. Called a few times last week about an issue with Vanguard Advantage checks, and was surprised that the wait time was about six minutes each time. Don't recall ever having to wait at all before. Also, was given incorr...
by William4u
Mon Jul 09, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Should I rollover 401 and 457? Newbie
Replies: 11
Views: 848

Re: Should I rollover 401 and 457? Newbie

If fees are that high, I'd roll them over into a less expensive Vanguard IRA, and do the 3 fund portfolio.
by William4u
Thu Jul 05, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: Anyone tilting heavy to international based on current forecasts?
Replies: 38
Views: 4417

Re: Anyone tilting heavy to international based on current forecasts?

I'm 50/50 domestic international, which is pretty close to market weight (VT is currently 51.7% domestic US stock, so I have a slight tilt to international). Of domestic stock, I'm 50% VTI, 50% VBR (small value tilt). Of international stock, I'm 50% VXUS, 25% VSS, 25% VWO (small and emerging tilt). ...
by William4u
Wed Jul 04, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 96
Views: 9603

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

I've heard many complaints about the "MN Nice" thing from many transplants to Minneapolis and Minnesota. Minnesota is not like Wisonsin. While Minnesotans are generally polite, they are not "friendship oriented" towards outsiders and generally will not let you into their close social circles. In gen...
by William4u
Mon Jun 11, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Best water filtration system ?
Replies: 13
Views: 1065

Re: Best water filtration system ?

This one was #1 in CR one year and is a great value for a simple under sink install... https://www.amazon.com/Watts-WP500313-U ... 0018MXH04/
by William4u
Wed Jun 06, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 4205

Re: Upgrade to SSD for 5-year old desktop?

8foot7 wrote:
Wed Jun 06, 2018 1:49 pm
The SSD will breathe new life into your machine and easily last another five years. Do it.
+1 Exactly.
by William4u
Tue Jun 05, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Backpacking in Guatemala and El Salvador?
Replies: 31
Views: 3463

Re: Backpacking in Guatemala and El Salvador?

The safest countries in Central America are 1. Nicaragua 2. Costa Rica ... I would not visit El Salvador. I would visit Nicaragua instead. A hidden gem. Nicaragua is going through a lot of political unrest right now, some describe it as on the brink of calamity. https://www.bostonglobe.com/opinion/...
by William4u
Sun Jun 03, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Friends with an EJ Advisor
Replies: 49
Views: 4458

Re: Friends with an EJ Advisor

The whole EJ shtick is to pretend to be your good friend. Beware of EJ "friends." I'd end the quasi-friendship.
by William4u
Tue May 29, 2018 2:19 am
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 9072

Re: Is inflation the greatest risk to retirement portfolios?

Vanguard on the 5 major risks you face in retirement, FYI... https://investornews.vanguard/the-5-major-risks-you-face-in-retirement/ 1. Market risk Unexpected changes in investment returns, inflation, or other market variables. How to handle it: Think carefully about the asset allocation of your por...
by William4u
Fri May 04, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: I inherited 1 million dollars, should I open an IRA or keep adding money to this million dollar brokerage account
Replies: 52
Views: 5802

Re: I inherited 1 million dollars, should I open an IRA or keep adding money to this million dollar brokerage account

If you have a pool of after tax money getting as much of that as possible placed in a Roth would be to your advantage, but the maximum annual contribution allowed for a Roth ($5500/$6500 per person) is so small that the option is irrelevant. Placing the money in tax deferred I bonds is also irrelev...
by William4u
Tue May 01, 2018 5:22 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 324
Views: 93830

Re: My New Car Buying Tips

We thought we had a deal with two different dealers, only to have the final purchase agreements I requested by email look different than the numbers I'd confirmed earlier via email and phone -- crap like tacking on random fees/taxes or including a rebate we didn't qualify for just so they could low...
by William4u
Wed Apr 18, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Fit EX
Replies: 33
Views: 3251

Re: 2018 Honda Fit EX

We were very much considering one. I really like the car, but you definitely pay for the Honda reputation. We were unable to find one locally for <$20k OTD, which was ~$5k more than comparable vehicles 20k OTD, good gracious! We bought a 2017 Prius for 22.3k OTD (fighting chance method), which is a...
by William4u
Fri Apr 13, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to find out about North Carolina Index Fund
Replies: 4
Views: 422

Re: Best way to find out about North Carolina Index Fund

It is the same as VOO (S&P500 index), which is very similar to VTI (Total Domestic Index). Your fund is not really an NC fund, it is a fund that tracks the S&P500, which is a well diversified large cap US fund. The fund is named "NC" simply because it is offered to NC employees, and not because of t...
by William4u
Thu Apr 05, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: How does one adjust salaries to account for housing costs when considering a move?
Replies: 24
Views: 1772

Re: How does one adjust salaries to account for housing costs when considering a move?

The two options look close in immediate future financial terms. So I would focus almost entirely on how they affect other factors, like quality of life, spending time with family, commute distance, quality of schools, distance from family and friends, enjoyment of the job, potential for career advan...
by William4u
Thu Apr 05, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones
Replies: 26
Views: 4241

Re: Edward Jones

Great story on the history of Edward Jones -- https://kronstantinople.blogspot.com/p/edward-jones-saga.html They started out quite idealistically. Not anymore. Potential clients should read this before they invest with EJ. It is a bit long, but there are some eye opening parts that people should kn...