Search found 2225 matches

by an_asker
Thu Jan 17, 2019 1:48 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 852
Views: 45007

Re: John Bogle has died at age 89

Rest In Peace, Sir!!
by an_asker
Thu Jan 17, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 116
Views: 10310

Re: Gas station prices and quality

[...]This just happened overnight. Yesterday, gas prices were $1.94 to $1.99 around the area I drive through. This morning, I see a uniform price of $2.19 Has anything happened that you are aware of that caused gas prices to spike 10%? This is definitely price gouging, though I don't know who we co...
by an_asker
Thu Jan 17, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: Fun with Amazon
Replies: 35
Views: 3882

Re: Fun with Amazon

Earl Lemongrab wrote:
Thu Jan 17, 2019 1:35 pm
wolf359 wrote:
Thu Jan 17, 2019 1:30 pm
OP put all names in quotes. Even "Anita."
Of course. A couple of people have decide to impute some nefarious reason to that, which doesn't exist.
Are you saying that we should now refer to you as "Earl" or "Lemongrab" or "Earl Lemongrab"? :oops:
by an_asker
Tue Jan 15, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 116
Views: 10310

Re: Gas station prices and quality

Where do you live that you see a price variance of $1? The most I ever see is about 10 cents in my area - but its usually more like a few cents difference (hardly worth even thinking about - not worth crossing traffic or driving an extra few blocks for). Los Angeles. At this moment, according to Wa...
by an_asker
Fri Jan 04, 2019 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: CDs vs I Bonds - Five and Ten Year Horizons
Replies: 12
Views: 1089

Re: CDs vs I Bonds - Five and Ten Year Horizons

Yes - one of those will do better. I don't think you will know which one though for certain until after it happens (you will get lots of opinions). One-Year CD with renewal may do best if interest rates continue to rise. A Five-Year CD may do best if interest rates level off or drop. An iBond may d...
by an_asker
Fri Jan 04, 2019 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: RE: Big Down Payment vs Small Down Payment
Replies: 11
Views: 1241

Re: RE: Big Down Payment vs Small Down Payment

Would you mind redoing the numbers with a negative 7.5 percent for cash and a negative 5.00 percent for house? If not every year, let's say a third of the years.
by an_asker
Fri Jan 04, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA - is it worth filling out?
Replies: 108
Views: 5486

Re: FAFSA - is it worth filling out?

[...]Not better at financial planning per say... but definitely better at hiding assets. As somebody who got FAFSA aid that covered well over 50% of my education though scholarships and most of the rest in subsidized loans - because my parents where dirt poor - this angers me to no end. And to thos...
by an_asker
Fri Jan 04, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 4730

Re: 11 days in Europe...Budget and logistical advice please

Your budget is yours alone. Three parts to it: - travel. The more you travel, the more you'll spend. But you can be judicious about it. Ideally, to reduce expenses, go with public transportation as it is quite ubiquitous (are there places you cannot get to on public transportation? of course! And we...
by an_asker
Fri Jan 04, 2019 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: CDs vs I Bonds - Five and Ten Year Horizons
Replies: 12
Views: 1089

Re: CDs vs I Bonds - Five and Ten Year Horizons

Yes - one of those will do better. I don't think you will know which one though for certain until after it happens (you will get lots of opinions). One-Year CD with renewal may do best if interest rates continue to rise. A Five-Year CD may do best if interest rates level off or drop. An iBond may d...
by an_asker
Fri Jan 04, 2019 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: CDs vs I Bonds - Five and Ten Year Horizons
Replies: 12
Views: 1089

CDs vs I Bonds - Five and Ten Year Horizons

[long story snipped as it is not really relevant! :oops:] Wife and DS are interested in putting a $1000 in a CD for, let's say, a five-year horizon. I wish to do something similar for DD for a ten-year horizon. Under the condition that we want it in an absolutely safe (FDIC etc) location, which of t...
by an_asker
Fri Jan 04, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: USPS price increase on 1/27/19
Replies: 74
Views: 6638

Re: USPS price increase on 1/27/19

[...]I do have other services I've paid for where they do not accept any credit or charge a high fee in order to use it (all that I've asked say 3.95%). I'm not about to pay 3.95% on a $35k bill to save 50 cents. I am surprised your University and Town don't have on-line bill pay options without fe...
by an_asker
Fri Jan 04, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: USPS price increase on 1/27/19
Replies: 74
Views: 6638

Re: USPS price increase on 1/27/19

[...] I do have other services I've paid for where they do not accept any credit or charge a high fee in order to use it (all that I've asked say 3.95%). I'm not about to pay 3.95% on a $35k bill to save 50 cents. But surely you wouldn't mind saving $0.05 on that postage? ;-) PS: With DS with one f...
by an_asker
Fri Jan 04, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: USPS price increase on 1/27/19
Replies: 74
Views: 6638

Re: USPS price increase on 1/27/19

As most of you know, the USPS has increased the cost of a first class letter by 10% effective January 27, 2019. While we use very few stamps, others may consider stocking up on forever stamps before postage goes from $0.50 to $0.55. While I suspect this is widely known, I haven't seen it discussed ...
by an_asker
Thu Jan 03, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Thoughts on the new Maxima?
Replies: 42
Views: 2888

Re: Thoughts on the new Maxima?

The "total reliability of a brand" is one of the most meaningless metrics out there. I disagree. Nissan is generally not in the same ballpark as Toyota for build quality. It's not just a few anecdotes but statistics. Sure it's a generalization to lump all models together but it's a valuable metric ...
by an_asker
Thu Jan 03, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Thoughts on the new Maxima?
Replies: 42
Views: 2888

Re: Thoughts on the new Maxima?

There is a big difference between the total reliability ratings of a car brand/ model and cherry picking some specific problems. The "total reliability of a brand" is one of the most meaningless metrics out there. Next time you go off on a rant, it might at least be based on what I actually said th...
by an_asker
Mon Dec 31, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Can you have an HSA and FSA?
Replies: 20
Views: 789

Re: Can you have an HSA and FSA?

I think I read somewhere that if your company offers an FSA plan, you are not allowed to open an HSA account, but it would be great if someone could verify / clarify this. My company offers HDHP, but I am told not all HDHPs are HSA eligible so I am stuck with the FSA plan and I really don't like it...
by an_asker
Mon Dec 31, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Thoughts on the new Maxima?
Replies: 42
Views: 2888

Re: Thoughts on the new Maxima?

Do I think a loaded 2019 Maxima is worth $40k...nope Do I think a loaded 2019 maxima is worth $34k---possibly People keep talking about sticker price but you're going to get a lot bigger discount on the Maxima than you will with an Accord or Camry. Just a quick look on some Maxima forums show disco...
by an_asker
Fri Dec 28, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: QE, massive crash, Dow 3000?
Replies: 39
Views: 5809

Re: QE, massive crash, Dow 3000?

Do you normally find random people on the Internet and then just believe everything they write? Here's what you do: take the author's name and Google it. See what they wrote in 2016 or 2015 or 2010. Does it seem like they consistently make good predictions? Or does it seem like they have a track re...
by an_asker
Fri Dec 28, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Nobody asked me but
Replies: 46
Views: 4602

Re: Nobody asked me but

Shackleton wrote:
Fri Dec 28, 2018 9:44 am
I think I know why no one asked you...
I can see that you guys are polar opposites ;-)
by an_asker
Thu Dec 27, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing mortgage payoff math right?
Replies: 12
Views: 992

Re: Am I doing mortgage payoff math right?

I have a rental property with a mortgage balance of $160,000 (property value ~ $375k). The current mortgage is an ARM with the rate at 4.5% (with 16 years left). For many years it has been 2.875% to 3.375%, but just last year jumped up to 4.5% - it resets annually. The current payment is $1,205 wit...
by an_asker
Thu Dec 27, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa
Replies: 28
Views: 1390

Re: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa

I've to go look at ticker symbol but let's assume it is an S&P 500 index. I'm assuming that the purchase made on 12/20 will fall foul. If so, is it OK to sell that specific purchase to get around the wash sale? In other words, the history of the S&P purchases in the retirement account doesn't reall...
by an_asker
Mon Dec 24, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa
Replies: 28
Views: 1390

Re: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa

Let's say there is a retirement account where I have purchased an S&P index fund. If it is "substantially identical" but I sell the exact amount (or more than) what I purchased, it won't be a wash sale anymore, correct? In other words: 10/20 - buy S&P fund in retirement account ($100) 11/20 - buy S...
by an_asker
Mon Dec 24, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa
Replies: 28
Views: 1390

Re: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa

Thanks for your responses. In that case, it shouldn't really be a big deal if I set up limits, say 5% above (the buy) and below (the sell) just for my sanity, right? I'm just terrified of market orders... :oops: And there is one aspect of wash sale that I don't think I've ever researched. Let's say...
by an_asker
Sat Dec 22, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?
Replies: 44
Views: 3883

Re: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?

[...]I've seen this argument elsewhere as well. Do you - or anyone else on this thread - have any concrete real-world examples of this happening? I would be interested in knowing how much those insurance rates change and what are the credit score inflection points, if any. For instance, insurance r...
by an_asker
Sat Dec 22, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?
Replies: 44
Views: 3883

Re: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?

You only need a good credit score when you are applying for new financing...right? Are you wanting to buy a house, car, or other large purchase that requires a credit check? My credit fluctuates about 50 pts in any given quarter based on credit utilization, paying off a large chunk, and canceling c...
by an_asker
Fri Dec 21, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa
Replies: 28
Views: 1390

Re: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa

Thanks for your responses. In that case, it shouldn't really be a big deal if I set up limits, say 5% above (the buy) and below (the sell) just for my sanity, right? I'm just terrified of market orders... :oops: And there is one aspect of wash sale that I don't think I've ever researched. Let's say ...
by an_asker
Fri Dec 21, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa
Replies: 28
Views: 1390

Re: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa

Bump! :-)

My question is slightly different from the horde of TLH questions. So I've updated the subject to draw attention to the specificity of my situation!

Thanks as always.
by an_asker
Thu Dec 20, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Driving from MA to FL - recommendations?
Replies: 30
Views: 2038

Re: Driving from MA to FL - recommendations?

I've done the drive from MA to either Williamsburg or Richmond many, many times. Every single time I think that going 95 should be fine, it isn't. Distance wise, 95 is shorter. Time wise, even with the constant orange barrel party on 81, doing the 84 to Scranton, down 81 to 64 has always worked out...
by an_asker
Thu Dec 20, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa
Replies: 28
Views: 1390

TLH technique question - how to best time a swap from ETF to mutual fund or vice versa

I've never had a chance to do TLH before as all of our investing was in retirement accounts. However, now I see an opportunity because I obviously jumped the gun (or the market corrected too quickly!). My problem is that I purchased SPY (S&P 500 ETF). Now, what would be the best way for me to swap o...
by an_asker
Tue Dec 18, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13141

Re: Is anyone's portfolio not tanking???

The market is down by about 14% from the peak. That's not tanking but certainly not a nice Christmas present. On the contrary, it is a present. Your money can now purchase 14% (probably 15% to be mathematically precise) more shares than it could at the market's peak. :moneybag Calling it a discount...
by an_asker
Tue Dec 18, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13141

Re: Is anyone's portfolio not tanking???

Nate79 wrote:
Tue Dec 18, 2018 11:23 am
The market is down by about 14% from the peak. That's not tanking but certainly not a nice Christmas present.
On the contrary, it is a present. Your money can now purchase 14% (probably 15% to be mathematically precise) more shares than it could at the market's peak. :moneybag
by an_asker
Tue Dec 18, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8174

Re: When has being frugal or cheaping out bit you in the rear?

Ahaa! This thread reminded me of something :oops: About a year or so ago, I decided to get a low flow shower head to be more environmentally responsible (and save some water dollars on the side as well). I got a shower head - didn't know how to do a good job of fixing it, so got a plumber and paid p...
by an_asker
Tue Dec 18, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8174

Re: When has being frugal or cheating out bit you in the rear?

First family trip to Disney World (I was a 10 year old kid). We took an Amtrak Train from CT to Orlando, FL (regular seats, no sleeping car) because it was slightly less expensive than flying and my mother (at the time) had a moderate fear of flying. It's like a 30 hour train trip. When we arrived ...
by an_asker
Tue Dec 18, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8174

Re: When has being frugal or cheating out bit you in the rear?

I think you have a typo in your title. Using a T because he/she was too cheap for a P? :oops: I think I ought to add one story that stands out among the multitude of stories I can share (obviously, the overarching theme is that I don't learn from my experiences!) :oops: But I cannot think whether I...
by an_asker
Sun Dec 16, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Schwab to another bank
Replies: 36
Views: 1842

Re: Moving from Schwab to another bank

The other thing that’s nice about a brick and mortar bank is cash withdrawals. There have been time when I needed 1,500-2,500 in cash. Schwab is good about upping withdrawal limits, but most ATMs cap you at 800-1000. So it can take trips to a few different banks to get that kind of cash out. Correc...
by an_asker
Thu Dec 06, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Murder Mystery Authors
Replies: 117
Views: 13924

Re: Murder Mystery Authors

The Woman in White, by Wilkie Collins is probably my favorite mystery novel of all time. I can’t remember a more enjoyable mystery. It’s a Victorian Gothic tale that is both genuinely scary and also at times pretty hilarious. It was one of the first detective novels, and is surprisingly inventive i...
by an_asker
Tue Dec 04, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Local credit union offered me a $7600 credit card I spend $800 a month on a credit card is the limit high enough?
Replies: 25
Views: 1648

Re: Local credit union offered me a $7600 credit card I spend $800 a month on a credit card is the limit high enough?

iamblessed wrote:
Tue Dec 04, 2018 2:57 pm
I like to do things local. Would a limit like this hurt my credit score. I have 0 debt.
What do you need a pristine credit score for?
by an_asker
Tue Dec 04, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Murder Mystery Authors
Replies: 117
Views: 13924

Re: Murder Mystery Authors

Read Stout's novel The Family Affair - I think that's what you may be thinking of. Avoiding a direct answer to avoid a "spoiler". I found a bunch of "new" Nero Wolfe books in digital form, free, on Hoopla - they were quite enjoyable. If you have Hoopla access, search "Nero Wolfe" and you will find ...
by an_asker
Tue Dec 04, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Murder Mystery Authors
Replies: 117
Views: 13924

Re: Murder Mystery Authors

When I was a kid, I read all the Sherlock Holmes murder mysteries, and in my twenties read most of the Nero Wolfe series by Rex Stout. Then, for some reason unknown, dropped the genre, although I really love a good murder mystery. Recently, I was in the book store, saw a reissue of Fer-de-Lance and...
by an_asker
Wed Nov 21, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Expensive car accident | Watching our for insurance
Replies: 16
Views: 2205

Re: Expensive car accident | Watching our for insurance

[...] Do you mean she hit a deer? I can’t imagine a dear going fast enough to cause that much damage! True incident. Which of the following is more plausible to you? :oops: "Two decades ago, as I drove on the left lane of I-5, I hit a deer out for a stroll." OR "Two decades ago, as I drove on the l...
by an_asker
Thu Nov 15, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: IRS announces 2019 Tax Rates, Standard Deduction, etc.
Replies: 27
Views: 5740

Re: IRS announces 2019 Tax Rates, Standard Deduction, etc.

Is the Medical Savings Account the new name for Health Savings Account? [if yes, sorry, I have missed when this change occurred :oops: ]
by an_asker
Mon Nov 12, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6247

Re: Point and shoot camera

I think it has been said enough times. What you are looking for no longer exist. To take better pictures than your smartphone is capable of taking, you have to pay even more than the cost of your smartphone. That ship has sailed. Respectfully I beg to differ. My iPhone SE cannot hold a candle to mu...
by an_asker
Mon Nov 12, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6247

Re: Point and shoot camera

Canon powershot 180 https://smile.amazon.com/Canon-PowerShot-Digital-Camera-Stabilization/dp/B019UDHOMO I have Sony rx100 and Fuji cameras but I think those are overkill for you. I’ve had various powershot cameras and enjoyed them all. I suggest this one . I have an older version of this camera - m...
by an_asker
Sun Nov 11, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6247

Re: Point and shoot camera

Canon powershot 180 https://smile.amazon.com/Canon-PowerShot-Digital-Camera-Stabilization/dp/B019UDHOMO I have Sony rx100 and Fuji cameras but I think those are overkill for you. I’ve had various powershot cameras and enjoyed them all. I suggest this one . I have an older version of this camera - m...
by an_asker
Fri Nov 09, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed Rewards Card - Gas purchase rewards question
Replies: 21
Views: 1195

Re: Penfed Rewards Card - Gas purchase rewards switcharoo

Is your card PenFed Platinum Cash Rewards Visa? I just check and I still get 5% as CASH REWARDS STMT CREDIT automatically each month. I remember I used to have PenFed Platinum Rewards Visa Signature for gas purchase but then PenFed made the switch to 1% way in late 2016. So I changed it to PenFed P...
by an_asker
Thu Nov 08, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 759

Re: Moving TMobile account from flip phone to iPhone

We had one old flip phone on a $10 a year (+10 cents a minute prepaid talk) plan with Tmobile that was on a Legacy or grandfathered plan. We had an old iphone (due to an upgrade by another family member). We were able to use a sim cutter to take the sim out of the GSM flip phone and insert it into ...
by an_asker
Thu Nov 08, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 759

Re: Moving TMobile account from flip phone to iPhone

Maybe I didn't phrase it correctly, but the TMobile rep at the local mall told me that I cannot transfer an old grandfathered TMobile plan from a flip phone to an iPhone. I don't get it. Why can I not do that? I mean, I can purchase a new TMobile SIM for the iPhone, but I should be able to transfer...
by an_asker
Wed Nov 07, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 46
Views: 5487

Re: Car rentals, what is the catch?

I really need to share what happened the one time I reserved a car through the local Payless (or some such). I landed at the airport after a trip abroad, and got on the shuttle. No big deal for me, as it meant a delay of 30 minutes. Go there, stood in line and when I got to the agent - whamm, I got ...
by an_asker
Wed Nov 07, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 759

Re: Moving TMobile account from flip phone to iPhone

That's extremely common in the telco/isp industry. The plan was discontinued many moons ago and is only allowed to continue as long as you don't modify the contract. Transferring it to a modern phone would modify the plan so you have to change to something new. More than likely they have a new plan...
by an_asker
Wed Nov 07, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 759

Moving TMobile account from flip phone to iPhone

Maybe I didn't phrase it correctly, but the TMobile rep at the local mall told me that I cannot transfer an old grandfathered TMobile plan from a flip phone to an iPhone. I don't get it. Why can I not do that? I mean, I can purchase a new TMobile SIM for the iPhone, but I should be able to transfer ...