Search found 3389 matches

by 123
Sun Jul 22, 2018 1:16 am
Forum: Personal Consumer Issues
Topic: iPhone to Android in 2018...
Replies: 22
Views: 842

Re: iPhone to Android in 2018...

We are a mixed household. Spouse and kids are iphone but I'm the Android nerd. I've always had Android (currently Moto G5 Plus) and have never had much desire for Apple. I've never lost a phone but if I lost or damaged my Android I would just go out and buy another, it was less than $200. There are ...
by 123
Sat Jul 21, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: House foundation repair with Helical Piers - urgent request
Replies: 22
Views: 1268

Re: House foundation repair with Helical Piers - urgent request

We have a relative that had foundation work done with helical piers after he had lived in the house for 10 years and didn't want to move. That was a number of years ago and we've noticed that other parts of the house that were not initially stabilizied with the piers have started to have foundation ...
by 123
Sat Jul 21, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 22
Views: 1417

Re: Unpermitted structure - options?

I had a neighbor who built a "pool house" in the back yard, which servered as a mother-in-law unit (which aren't permitted). He has no pool and has no intentions of ever putting a pool in but if it was a "pool house" it was within the zoning rules and the city approved it and the building inspector ...
by 123
Sat Jul 21, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: $1200 AC fix on a 2007 Civic
Replies: 21
Views: 1043

Re: $1200 AC fix on a 2007 Civic

One of our cars is in a similiar situation. It was totaled by the other's driver's insurance company after an accident because the cost of full body shop work (as well as 4 weeks in the shop) to one portion of the vehicle exceeded the value of the vehicle. The damage doesn't impact the safety or ope...
by 123
Fri Jul 20, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Changing address for Social Security after a death
Replies: 10
Views: 640

Re: Changing address for Social Security after a death

Whoever is handling matters pertaining to the deceased should file a change-of-address form with the post office (can often be done on-line) to help ensure the delivery of all documents that may be necessary for the preparation of the tax return for the deceased.
by 123
Fri Jul 20, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Wine chiller
Replies: 9
Views: 467

Re: Wine chiller

I'd have my butler take care of it.
by 123
Fri Jul 20, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Is SEC yield of any value?
Replies: 18
Views: 1979

Re: Is SEC yield of any value?

The SEC yield is for recent 7-days. It tells you the current yield. The yield changes ever day by some degree. Some longer yields like prior calendar year or YTD tell you historic information. The SEC yield is a good indicator of the current yield if you bought it today.
by 123
Fri Jul 20, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: How should I move my taxable account from Fidelity to Vanguard?
Replies: 5
Views: 437

Re: How should I move my taxable account from Fidelity to Vanguard?

Why not sell the Fidelity funds and stay where you are. You can use the proceeds to buy VTI (an ETF version of Vanguard Total Market Index Fund) for less than $10. The only disadvantage is that that you can't initially buy partial shares of an ETF, though you can get partial shares with dividend rei...
by 123
Thu Jul 19, 2018 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Money and Closing Bank Account
Replies: 12
Views: 981

Re: Transferring Money and Closing Bank Account

I think it's easiest to simply walk into the branch and say you want to close the account and have them immediately issue you a check for the account proceeds. You're done in less than 30 minutes and can be on your way.
by 123
Thu Jul 19, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 102
Views: 7789

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

Keep $10K of it in stock, sell everything else. $10K is well within the realm of investing. Sell everything else and diversify. ... +1 Keeping some amount for sentimental reasons is okay whether it's $10K, 100 shares, or 1000 shares, whatever you currently need as a "tribute", but diversify the rest.
by 123
Thu Jul 19, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: What is the most severe hyperbolic discounting you have ever acted on?
Replies: 30
Views: 2240

Re: What is the most severe hyperbolic discounting you have ever acted on?

When Quaker Oats 42 oz goes on sales for 2 for $5 ... The store brand is pretty much the same thing and always priced at $2.49 for 42 oz which is less than 2 for $5. I have no doubt that the store brand is likely even off the same production line, just in a different package. But that Quaker on the...
by 123
Thu Jul 19, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: What is the most severe hyperbolic discounting you have ever acted on?
Replies: 30
Views: 2240

Re: What is the most severe hyperbolic discounting you have ever acted on?

When 2-liter bottles of soda go on sale for 77 cents each, I buy every single one in the store and go to other stores in the area to buy all of the ones they have in stock, too. If you don't know what brand and flavor I am talking about, then you haven't been reading this forum long enough. Otherwi...
by 123
Wed Jul 18, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas like Alaskan Cruises
Replies: 11
Views: 884

Re: Vacation Ideas like Alaskan Cruises

... If you are looking for something with the beautiful landscapes, consider a slightly different cruise: Hurtigruten's 12 day Coastal Round Trip, from Bergen, Norway, all along the coast, up over the top, stopping in Kirkenes (visit to Russian border avail) and then back down. 34 stops. Daytime st...
by 123
Wed Jul 18, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Booking Intl flight through costco --> Too early/late?
Replies: 5
Views: 819

Re: Booking Intl flight through costco --> Too early/late?

When I booked our last international flight I observed the rates offered on a number of sites, including the airlines directly, varied quite a bit by the day of the week of the booking. Something to think about. Of course it could work that way for some destinations and not others. So when I did the...
by 123
Wed Jul 18, 2018 1:22 am
Forum: Personal Finance (Not Investing)
Topic: Received IRS notice CP 2000 asking more tax. Need help.
Replies: 18
Views: 1621

Re: Received IRS notice CP 2000 asking more tax. Need help.

I sort of wonder if the IRS even looks at the actual return before it sends the CP 2000 in cases like these. The CP 2000 could well just be relesed as a result of a computer records (un)matching program. It may be the IRS only looks at the actual tax return if there is an inquiry or protest after t...
by 123
Wed Jul 18, 2018 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Received IRS notice CP 2000 asking more tax. Need help.
Replies: 18
Views: 1621

Re: Received IRS notice CP 2000 asking more tax. Need help.

I sort of wonder if the IRS even looks at the actual return before it sends the CP 2000 in cases like these. The CP 2000 could well just be relesed as a result of a computer records (un)matching program. It may be the IRS only looks at the actual tax return if there is an inquiry or protest after th...
by 123
Tue Jul 17, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 38051

Re: MoviePass-Too good to be true, but it's legit.

just read article in Wall Street Journal...when you sign up, you have agreed to their use of all your information, for anything, for their profit... it is theirs...beware of too good to be true offers you are paying a high price for that Moviepass . It's not clear to me what I am losing in this exc...
by 123
Mon Jul 16, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2642

Re: Would you pay $120 for a 5 year dishwasher warranty?

I bought one last year - it was the first time I ever bought an extended warranty. We paid around $1,000 for a quiet dishwasher after the previous one failed after 7 years (the replacement was a similar model) and I decided to buy the extended warranty as well. We use our dishwasher a lot and things...
by 123
Sun Jul 15, 2018 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3701

Re: Are Credit Cards Actually Convenient?

One reason my brother-in-law found out for one of his declined charges when he called in about it to the card issuer was missed/late payments. He always tried to maximize the float period on his cards so he delayed payment as long as possible but still within the terms of his card. It turned out tha...
by 123
Sun Jul 15, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: office sublease without contract
Replies: 4
Views: 292

Re: office sublease without contract

If there is no written agreement for a longer term then I would assume it is month to month. That fact that you get a monthly invoice for rent would seem to be in agreement with that. If you had a lease you would just pay the rent monthly with no invoice, since you agree to the terms of a lease in a...
by 123
Sun Jul 15, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our business?
Replies: 61
Views: 4813

Re: Should we sell our business?

Local, national, and global changes in economic conditions can drastically effect the value of a buisness. Things seem to be a roll right now. Maybe it's a good time to get out while the getting is good.
by 123
Sat Jul 14, 2018 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard IRA Transfer
Replies: 4
Views: 336

Re: Vanguard IRA Transfer

mindboggling: I have heard that they've improved their customer service and you have confirmed it with your post. Thank you! What part of the OPs post indicates improved customer service? The improvement was not having to talk to a Vanguard rep and being able to accomplish the task completely online.
by 123
Fri Jul 13, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel
Replies: 23
Views: 1728

Re: Kitchen Remodel

If you're going for Wolf/Viking/Subzero appliances it sounds like you don't have any budget constraints. Enjoy the project!
by 123
Fri Jul 13, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for an auto loan 2 weeks after purchase??
Replies: 39
Views: 4716

Re: Denied for an auto loan 2 weeks after purchase??

spth wrote:
Thu Jul 12, 2018 8:35 pm
Tell them you are returning the car. I bet the problem goes away.
+1 Be ready to return the vehicle. Hopefully you didn't do a trade-in that would leave you short of a set of wheels.
by 123
Fri Jul 13, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: massive Roth conversion
Replies: 39
Views: 3101

Re: massive Roth conversion

From my perspective the older you are the less valuable Roth conversions become because you have fewer years to take advantage of the tax-free gains (assuming the conversion is not for estate purposes to potentially pass the Roth proceeds to someone in a higher tax bracket). Another "Less bang for t...
by 123
Fri Jul 13, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3264

Re: Like Lifestrategy Funds but???

Maybe a better fit would be Vanguard Balanced Index Fund Admiral Shares (VBIAX). 60.08% Stocks 39.77% Bonds 0.15% Short-term reserves There is no international in the equity or bond holdings, I don't think. All US. I kinda like this mutual fund for a portfolio simplification effort I am contemplati...
by 123
Fri Jul 13, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation for New Position
Replies: 25
Views: 2110

Re: Salary Negotiation for New Position

Will she become "exempt" instead of hourly? Many times "exempt" employees are treated as managerial and may be eligible for other special types of compensation, including bonuses (even in non-pofits). She needs to get a handle on how her employer compensates the position she has applied for (i.e. gl...
by 123
Fri Jul 13, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: Treasury Bond Yielding 9%
Replies: 9
Views: 1210

Re: Treasury Bond Yielding 9%

They may have expected higher returns elsewhere, like the stock market. When Treasury yields soared back in the 1980's there were many reasons to not buy them, like highe returns on CDs that did not lock your money up for such long returns. At one time I bought what I thought was the most mundane in...
by 123
Fri Jul 13, 2018 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Tell me what's wrong with my strategy
Replies: 77
Views: 5244

Re: Tell me what's wrong with my strategy

You would be bearing a lot of single company risks by holding individual companies. Historically many outstanding individual companies have had remarkable changes of fortune over time. Besides those that have failed outright, like Worldcom, Enron, Pan Am, etc there are many who have just declined ov...
by 123
Fri Jul 13, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Preparing non-technocrat spouse $ Mgmt
Replies: 25
Views: 2135

Re: Preparing non-technocrat spouse $ Mgmt

If you can accept the asset allocation of a Vanguard LifeStrategy Fund for tax-deferred accounts it costs about $1K more per $1M annually to use the automatic rebalancing features of a LifeStrategy fund instead of holding the indvidiual component funds yourself. This is 1/3 the rate of Vanguard PAS ...
by 123
Thu Jul 12, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3264

Re: Like Lifestrategy Funds but???

I had exactly the same feelings about the international bonds component of the Vanguard LifeStrategy funds as the OP. I didn't hate them but I wasn't a fan. I came to the conclusion that Vanguard may know more than I do. The LifeStrategy funds may not be a "perfect" option for a single fund option f...
by 123
Thu Jul 12, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Grandpa's 88 and has term life insurance
Replies: 39
Views: 2856

Re: Grandpa's 88 and has term life insurance

Most of the discussion seems to have been with the assumption that the term life insurance is a "level" term policy, the premiums are the same each year. Is that the case or do the premiums change with age? If it's a "level" term policy the premium level is usually set for a specific number of years...
by 123
Thu Jul 12, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 351
Views: 11455

Re: COMING SOON: BOGLEHEADS PODCASTS

(The) Bogleheads Advantage
by 123
Thu Jul 12, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 351
Views: 11455

Re: COMING SOON: BOGLEHEADS PODCASTS

kpc77 wrote:
Thu Jul 12, 2018 12:18 pm
The Boglehead Buzz
+1 I think that suggestion is hard to beat.
Bogleheads Bets - not as snappy as "Bogleheads Buzz"
Bogleheads Forum
The Bogleheads Bunch
by 123
Wed Jul 11, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need Commercial Auto Insurance for a Business vehicle?
Replies: 14
Views: 788

Re: Do I need Commercial Auto Insurance for a Business vehicle?

Your automobile policy will state what it covers and often what it doesn't cover, i.e. exclusions. How coverage works can vary by state. Maybe your policy just needs an endorsement to cover business use, which might entail some expense or policy adjustment. You may also want to review and see if you...
by 123
Tue Jul 10, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: What's up with Wells Fargo
Replies: 27
Views: 2878

Re: What's up with Wells Fargo

The login to check the status of the account should be enough to keep it from being escheated, if Wells Fargo is smart enough to check for that, which they may not be. They may just be looking for a simplistic answer based on deposit or withdrawal activity or perhaps something connected with their r...
by 123
Tue Jul 10, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: perpetual home insurance?
Replies: 7
Views: 814

Re: perpetual home insurance?

I think the market for the product is limited just because there are too few people that are willing, and able, to pay 15+ times the regular premium for perpetual home insurance. It might make most sense to buy when you initially purchase a home, but most initial purchases of homes are tied to a mor...
by 123
Tue Jul 10, 2018 1:06 am
Forum: Investing - Help with Personal Investments
Topic: Single Investment Fund
Replies: 13
Views: 1698

Re: Single Investment Fund

I have migrated most of our tax-deferred accounts from a 3-fund portfolio to a single Vanguard LifeStrategy fund. Though the costs of the LIfeStrategy fund are a little higher than the 3-fund mix I decided that the extra cost is simply insurance that my spouse will be able to handle things without a...
by 123
Tue Jul 10, 2018 12:32 am
Forum: Personal Consumer Issues
Topic: Thoroughly cleaning grimy tile
Replies: 19
Views: 2091

Re: Thoroughly cleaning grimy tile

Make a paste with baking soda and a little water. Use it like toothpaste with a nylon bristle cleaning brush to clean tile. Don't need anything fancy.
by 123
Tue Jul 10, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: Cost of adding AC and change pipes to old house
Replies: 12
Views: 960

Re: Cost of adding AC and change pipes to old house

When you do a lot of substantial systems upgrades, like replacing electrical, water supply, and sewer/drainage you are likely on your way to a very substantial remodel of the home. Since those systems have the greatest impact in the kitchen (more outlets/lights/appliances) and bathrooms (new fixture...
by 123
Mon Jul 09, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Want to diversify account held in my name [inherited Canadian stock]
Replies: 8
Views: 388

Re: Want to diversify account held in my name [inherited Canadian stock]

Congradulations on finishing a master's program at age 23. You were obviously focused and dedicated to the task. You need to clairify how the account is "held in my name". Is the account in your name alone, a joint account with parent(s), or are you a beneficial owner of the account only (i.e. accou...
by 123
Mon Jul 09, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: French language accounting software?
Replies: 8
Views: 470

Re: French language accounting software?

Depending on what country the accounting is for there can be some differences in accounting standards (there are international accounting standards that differ in some respects from the US (at least they used to)). Might not matter depending on how sophisticated the accounting is and what other coun...
by 123
Sun Jul 08, 2018 12:58 am
Forum: Investing - Help with Personal Investments
Topic: Should I open a Goldman sachs 1.6% savings account?
Replies: 31
Views: 3065

Re: Should I open a Goldman sachs 1.6% savings account?

Though recently I've moved most of our funds out of American Express Bank and Ally Bank because I felt Treasuries provided a better yield I intentionally did NOT close the American Express and Ally accounts. I left around $1K in each account. The reason I left funds in each is in case I decide to mo...
by 123
Sat Jul 07, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 38051

Re: MoviePass-Too good to be true, but it's legit.

I've been a very satisfied MoviePass subscriber since last November. I have probably seen something like 8 - 10 movies each month. There are a couple of multiplexes just a short distance from where we live. When my spouse decides to watch her programs on the big TV (including Netflix etc) and I'm no...
by 123
Sat Jul 07, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Checkbook balancing software?
Replies: 31
Views: 1646

Re: Checkbook balancing software?

When I'm assisting older relatives the first thing I try and do is to get their recurring expenses, utilities etc, on autopayment with their actual payment date as quickly as possible after the statement date and hopefully a week or more before the bank statement cut-off date. It's best to have a "l...
by 123
Sat Jul 07, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a job in a less desirable city if you had to work fewer days?
Replies: 40
Views: 2913

Re: Would you take a job in a less desirable city if you had to work fewer days?

Have you explored opportunities in your present city with only 3 or 4 workdays a week? Some employment areas, like hospitals/healthcare, tend to have a wide variety of duty schedules available. You might end up being a contractor of some type depending on your occupation. Another issue with the smal...
by 123
Sat Jul 07, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3231

Re: Trying to hit grand slam with small % portfolio?

I don't think of my activity as trying to hit a grand slam, the primary purpose is entertainment. I have done this at various times with a small percentage "play money" in my portfolio. I have usually used call options or LEAPS on a few individual stocks or index etfs (like SPY). For simplicity, and...
by 123
Fri Jul 06, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: direct deposit while working 1099
Replies: 13
Views: 642

Re: direct deposit while working 1099

...However, I found out that their accounts payable started the clock when they received notification through the approval process. I found out they didn't care what the contract said, they weren't paying anything before 55 days. They also added a delay to compensate for not getting a mail float......
by 123
Fri Jul 06, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone with experience in Social Security/SSA Hearings?
Replies: 15
Views: 1535

Re: Anyone with experience in Social Security/SSA Hearings?

There's always a chance that SSA can recover the money her retirement benefits in the future if she doesn't have the capacity to pay it back now. For SSA to waive an overpayment I think they have to find the recipient is without fault in connection with the overpayment and there is an incapacity to ...
by 123
Fri Jul 06, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5073

Re: Every Other Friday Off

I've had a 9/80 schedule for a few years. It's main benefit is giving you that extra day free and cutting down your commute time. The main potential argument against it is likely that if you have young children it may not work depending on the kid's schedule as well as the availability of a spouse t...