Search found 221 matches

by core4portfolio
Sat Sep 29, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1971
Views: 366899

Re: What are you up YTD? [Year To Date]

My 401k on 70:30 portfolio showing 8.04%
No international
by core4portfolio
Sat Sep 29, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Car accident, diminished value claim?
Replies: 18
Views: 1556

Re: Car accident, diminished value claim?

https://www.bogleheads.org/forum/viewtopic.php?f=2&t=247575 Here is my experience on geico claims...refer above link.. 1. Created a demand letter and uploaded the documents along with the couple of dealers appraisal report along with carmax report, online car sellers site advertisements. Carmax conf...
by core4portfolio
Tue Aug 14, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1194
Views: 99258

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I dont own international as my IPS doesnt says to do so.
check your IPS when you are in confusion.
There are chances in future international may take lead than US
You stay the course !!!!
by core4portfolio
Fri Aug 10, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6812

Re: Paper checks yes or no?

I am in the process of moving my checking account to a different bank. I already have the second account, but I don't use it for anything except paying my mortgage. I want to close the local rewards checking because there the interest rate is no longer worth it. I pay everything online, autopay, bi...
by core4portfolio
Tue Aug 07, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 7252

Re: Best way to lose $200 in taxable income?

Open brokerage account and do some trading.
you can easily lose the money
Just buy Disney tomorrow.. it will tank due to earnings miss
by core4portfolio
Tue Aug 07, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Selling a used car
Replies: 49
Views: 2132

Re: Selling a used car

I am trying to sell one of my cars. Bought a new car for my wife so I am taking her car and trying to get rid of my old car. It is a 1997 Camry, with 157K miles on it. Drives great, new front tires, newer radio with Bluetooth. It has one main issue, a few years ago the A/C stopped working and I too...
by core4portfolio
Fri Aug 03, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 97
Views: 9374

Re: New Brake Pads

I had my oil changed today and found out I need new brake pads. They quoted me: $229 plus tax for front brake pads and resurface the front rotors $171 plus tax for rear brake pads Does this seem like a reasonable cost? Any suggestions? Whats brake pad life left out ? 2/32 or 4/32 like that.... What...
by core4portfolio
Sat Jul 28, 2018 4:08 am
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6587

Re: New car hit accident - loss of dimished value

Yes I did counter offer using KBB value and we closed the deal at 3300 finally. I started learning how to sue in small claims court but havent need to use this time. Iam going to keep the car as much as i can.... Here is how it went for anyone referring this thread for future reference: 1. Created a...
by core4portfolio
Sat Jul 28, 2018 4:06 am
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6587

Re: New car hit accident - loss of dimished value

rockonhumblepie wrote:
Wed Jul 11, 2018 1:45 am
Core4,

If you feel strongly enough there is small claims court.

I would counteroffer 3400 and take around 3 large.

Drive the ride for 10yrs and it won't be a factor,that is our plan.

Good Luck! 8-)
Thanks for suggestion and I did counter offer.
We closed the deal at 3300
by core4portfolio
Mon Jul 23, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 316
Views: 87890

Re: My New Car Buying Tips

While I purchased my new car back in Jan 2018, I know what is the exceptional price of that car and my budget. So I havent done bidding game. I have been following the internet pricing thread forum of that car for close to 6 months. I sent an email to dealer who is 300 miles away asking for OTD pri...
by core4portfolio
Mon Jul 23, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone sell their car to Carmax or webuyanycar.com?
Replies: 34
Views: 3794

Re: Anyone sell their car to Carmax or webuyanycar.com?

Carmax worked great on selling my old car which have engine block crack. I got 500 bucks but i disclosed them engine issue and informed not to drive. If car is driving then it will be 1000 at that time. Iam happy to let it go They handled cheque within 30 mins process time. Highly recommend them !!!...
by core4portfolio
Tue Jul 17, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 3128

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

Nope. I'm never in the market for an extended warranty--just the item itself. If I am at all concerned about an additional warranty period, I try to be certain to use a credit card that offers at least one additional year's coverage. Which credit card doesn’t exclude extended warranty coverage on i...
by core4portfolio
Tue Jul 17, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7641

Re: Anyone not have a Budget?

I dont place any budget. Yearly I check my spending on credit card summary account. In my spending habit: before buying anything, i look for my needs and if needed then buy. Some time, i buy in advance for few needed items if its a great deal like i got seventh generation laundry detergent with 40% ...
by core4portfolio
Sat Jul 14, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: MFs in India [Mutual Funds]
Replies: 18
Views: 1560

Re: MFs in India [Mutual Funds]

Based on asset allocation, you can go. IMHO index funds doesn’t performed well in India due to some reason . Returns are vastly differeniate and active fund managers were beating it very easily. For instance HDFC Mid cap fund, ICICI blue chip fund etc..Choose one AMC and go with that. IDFC have inde...
by core4portfolio
Wed Jun 27, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: Is day trading profitable?
Replies: 36
Views: 3373

Re: Is day trading profitable?

i never done day trading.. but did some trading but we need luck to help on that part.
Trading vs investment - i picked investment as it gains better.
I do own some individual stocks but mostly on index funds.

I have seen couple of good day traders in fatwallet site but iam not one.
by core4portfolio
Wed Jun 27, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6587

Re: New car hit accident - loss of dimished value

I really not plan to sell the vechile as I drive to ground.
But some unforseen comes in future then loss currently by accepting this deal is 2500.
You are correct.. i need to test this by placing in craiglist to see what offer iam getting from private sellers
by core4portfolio
Tue Jun 26, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6587

Re: New car hit accident - loss of dimished value

I've gotten so much help here. It really is a fine group of folks sharing there day to day stumbles thru life. Hope they make a fair offer.If not counter and start the back and forth.They dug there heels in with us,but I though it was a good offer and did not waste any more time. rockon' 8-) Happy ...
by core4portfolio
Tue Jun 26, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6587

Re: New car hit accident - loss of dimished value

I've gotten so much help here. It really is a fine group of folks sharing there day to day stumbles thru life. Hope they make a fair offer.If not counter and start the back and forth.They dug there heels in with us,but I though it was a good offer and did not waste any more time. rockon' 8-) Happy ...
by core4portfolio
Mon Jun 18, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5688

Re: A vehicle that "sits up" but can't afford CRV

I saw many shorter people driving CRV using pillow on top of the car sear for better visibility
by core4portfolio
Tue Jun 05, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6587

Re: New car hit accident - loss of dimished value

core4 I sent both at same time. Registered mail or not,your choice. There was never a doubt about Geico paying DV, just of course the amount. DV agent was pretty firm on what she thought the dollar figure was. You might want to get 2 appraisal letters from 2 different dealers,just to hone in on you...
by core4portfolio
Tue May 29, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 316
Views: 87890

Re: My New Car Buying Tips

While I purchased my new car Honda CRV EX 2WD back in Jan 2018, I know what is the exceptional price of that car and my budget. So I havent done bidding game. I have been following the internet pricing thread forum of that car for close to 6 months. I sent an email to dealer who is 300 miles away as...
by core4portfolio
Wed May 16, 2018 5:54 am
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 11660

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

why contribute after tax to a 401k if there is no deduction favorability or FIT wage reduction? :shock: just save the equivalent after tax money to a brokerage......... right? am I missing something obvious? Added to willthrill81 point, some super low cost index funds like institutional funds are p...
by core4portfolio
Tue May 15, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Car mileage, Fuel additives and other
Replies: 31
Views: 1725

Re: Car mileage, Fuel additives and other

Try driving in 50 to 55 MPH with minimal or no hard brakes. Your fuel efficient will be higher. Below 35 or above 60 will have big hit on your mileage. Also traffic added to impact as well. On my long drives, i use cruise control at 55 to 60. i got very good mileage most of the time. I used costco, ...
by core4portfolio
Wed May 09, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 6259

Re: How to handle problem employee

OP, When I complain about team member long time back to my manager got response as "you never get a perfect team. You need to manage." I always remember this. You got to manage them. If all team member are perfect then there is no need to manager !!!!!! People are different but as long as they are p...
by core4portfolio
Wed May 02, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway B
Replies: 65
Views: 7098

Re: Berkshire Hathaway B

I too have just 1 share in my taxable account to get 8% discount.
My share investment is down 10% so far but not worried as it pays itself over the time
by core4portfolio
Tue May 01, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6587

Re: New car hit accident - loss of dimished value

Core4 My Wife had a minor medical claim as a result of accident.I talked to Geico medical claims agent about diminished value.He had Geico agent who handles this process call me. Sent a demand letter to agent handling DV (diminished value).Google how to write demand letter. My Ford dealer(sales man...
by core4portfolio
Sun Apr 29, 2018 6:14 am
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6587

Re: New car hit accident - loss of dimished value

Wife was hit on both driver side doors of her 2016 SUV a month after purchase.Geico has their own dimished value agent to compare loss. Repair was $6K and we received $3.5K in dimished value. Used Geico body shop.Excellent work and easy to work with. 8-) rockon' In case of geico, did you called cus...
by core4portfolio
Sun Apr 22, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6587

Re: New car hit accident - loss of dimished value

I'm not sure why folks here are skeptical of diminished value. You suffered a loss, and you can (should) be compensated for your loss. That's exactly what I did when my almost new car was sideswiped. I sent the at fault's insurance a DV claim, received a DV check, and then negotiated for the rest w...
by core4portfolio
Sat Apr 21, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6587

Re: New car hit accident - loss of dimished value

The values for 2018 vehicles are not out yet for KBB. Where I live there is no diminished value until you sell it. Then you can realize the loss. I guess if you were to run it into the ground you are not losing any value compared to when you trade it in and you lose trade in value due to a loss. I ...
by core4portfolio
Sat Apr 21, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6587

Re: New car hit accident - loss of dimished value

Hi Thanks for looking out and giving suggestion. My one month old 2018 CRV EX AWD with just 1000 miles got rear ended by another car. No air bag deployed and other car got totalled. Since we both are in same insurance, fixing my car is not much pain and insurance/body shop gave life time warranty f...
by core4portfolio
Sat Apr 21, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6587

Re: New car hit accident - loss of dimished value

If I see a wreck on Carfax, I move on. Its real, you will lose alot of potential buyers for your vehicle and when you do get somebody they will lowball you no matter how minor it was. I'd fight to get anything extra. I check the Autocheck - its mentioned as accident happened . I think same for carf...
by core4portfolio
Sat Apr 21, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6587

Re: New car hit accident - loss of dimished value

Hi Thanks for looking out and giving suggestion. My one month old 2018 CRV EX AWD with just 1000 miles got rear ended by another car. No air bag deployed and other car got totalled. Since we both are in same insurance, fixing my car is not much pain and insurance/body shop gave life time warranty f...
by core4portfolio
Thu Apr 19, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6587

New car hit accident - loss of dimished value

Hi Thanks for looking out and giving suggestion. My one month old 2018 CRV EX AWD with just 1000 miles got rear ended by another car. No air bag deployed and other car got totalled. Since we both are in same insurance, fixing my car is not much pain and insurance/body shop gave life time warranty fo...
by core4portfolio
Wed Apr 11, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: In need of a new Vacuum
Replies: 58
Views: 4323

Re: In need of a new Vacuum

I have a 'Shark', got it from Costco & love it. I'd highly recommend it. +1 Just bought it from Costco about 2 weeks ago. Amazing. ~$150 You needn't research any further. http://www.costco.com/Shark%C2%AE-Navigator-Professional-Upright-Vacuum.product.100018632.html Yup this is the one we have. It h...
by core4portfolio
Tue Apr 03, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576641

Re: What's Your Credit Card Rewards Strategy?

Have you ever tried to collect on these warranties? They make you apply through your home insurance 1st and require a lot of hoop jumping. Perhaps for large ticket items it may be worth it, but I only have the stamina for the extra 0.5%. Not the Citi warranty yet specifically. My home insurance has...
by core4portfolio
Fri Mar 30, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: File an amended return for $11?
Replies: 7
Views: 780

Re: File an amended return for $11?

I got a corrected 1099div after I filed 3 weeks ago. It shows $80 in extra dividends. Plugging the new figure into H&R Block, it shows that I owe $11 more to the IRS, $1 more to NY, and $2 less to PA. (I moved from NY to PA in September). I want to do what is right, but have trouble believing the I...
by core4portfolio
Wed Mar 28, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Mac Office 2016 download on Ebay - how so cheap?
Replies: 23
Views: 2958

Re: Mac Office 2016 download on Ebay - how so cheap?

I've been looking to get Mac Office 2016 as a download rather than paying a monthly fee. A quick check on Amazon and it's more than $200. When I looked on Ebay there are multiple sellers at less than $10. Below are some of the notes from the seller - and it's good on 5 devices. Ebay is showing over...
by core4portfolio
Wed Mar 28, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: [Moving out of CA. What city has decent weather?]
Replies: 46
Views: 7018

Re: [Moving out of CA. What city has decent weather?]

Cary/Raleigh NC is #1 choice with snow in few times a year Atlanta GA is #2 choice but heavy traffic. Charlotte NC is #3 choice but no city life over there Virgnia Beach VA is #4 choice but no lot of work opportunities for techie guys i have been in all these places as tech IT guys but Virginia beac...
by core4portfolio
Tue Mar 20, 2018 8:20 am
Forum: Investing - Help with Personal Investments
Topic: $250k Vanguard/Schwab/Fideliy
Replies: 7
Views: 1252

Re: $250k Vanguard/Schwab/Fideliy

Fidelity gives free cheque book whenever you needed if you have cash management account.
Its 0 balance account with no fees.
by core4portfolio
Sun Mar 18, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Bogleheads car buying strategies with new safety technologies
Replies: 71
Views: 5853

Re: Bogleheads car buying strategies with new safety technologies

Even if you are an aware driver you can be affected by those who are not. For example, a driver in a car in front of you is texting and accidentally slams their brakes. Or a deer runs in front of them or a dozen other similar scenarios cause them to brake suddenly. As an aware driver, you are follo...
by core4portfolio
Mon Mar 12, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?
Replies: 80
Views: 14966

Re: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?

I have 1 stock of BRK.B to get the Geico 8% discount. I bought it few week before @ 216 for 1 share which saves 32 bucks on my 6 months of insurance on my new CRV. I will be holding this one share since then. But not planning to sell that one share. Since OP post is using the word - instead: I woul...
by core4portfolio
Fri Mar 09, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Filed 2017 taxes electonically for FREE
Replies: 46
Views: 5444

Re: Filed 2017 taxes electonically for FREE

FREETAXUSA10 is coupon code which will give 10% off. Also ebates cashback site will give 25% cashback for Freetaxusa if anyone else plan to use this Iam also going to use the freetaxusa. Can FreeTaxUSA import information from Vanguard or Employer W-2, etc.? No it wont import anything from Vanguard ...
by core4portfolio
Fri Mar 09, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?
Replies: 80
Views: 14966

Re: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?

I have 1 stock of BRK.B to get the Geico 8% discount. I bought it few week before @ 216 for 1 share which saves 32 bucks on my 6 months of insurance on my new CRV. I will be holding this one share since then. But not planning to sell that one share. Since OP post is using the word - instead: I woul...
by core4portfolio
Fri Mar 09, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Filed 2017 taxes electonically for FREE
Replies: 46
Views: 5444

Re: Filed 2017 taxes electonically for FREE

FREETAXUSA10 is coupon code which will give 10% off.
Also ebates cashback site will give 25% cashback for Freetaxusa if anyone else plan to use this
Iam also going to use the freetaxusa.
by core4portfolio
Mon Mar 05, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?
Replies: 80
Views: 14966

Re: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?

I have 1 stock of BRK.B to get the Geico 8% discount. I bought it few week before @ 216 for 1 share which saves 32 bucks on my 6 months of insurance on my new CRV. I will be holding this one share since then. But not planning to sell that one share. Since OP post is using the word - instead: I would...
by core4portfolio
Tue Feb 27, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Autoblog now lists the Toyota Camry as 7th worse for depreciation
Replies: 7
Views: 1321

Re: Autoblog now lists the Toyota Camry as 7th worse for depreciation

Try to get one year old camry with 31% depreciation from market .. I tried but not possible to get even 20% depreciation.
I dont believe in what these report says but local market is not willing to sell camry for so cheap
by core4portfolio
Sun Feb 04, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21082

Re: For BHs who actually like cars - what is your daily driver?

2018 HONDA CRV since last week before that 01 camry for 7 years