Search found 249 matches

by core4portfolio
Fri Jan 18, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Curry Powder?
Replies: 33
Views: 1044

Re: Curry Powder?

Go to local indian store. if you have patel brothers near by... try there
Depends on where you live. Dont order online as your local indian store stocks will move fastly.

if possible try to get the raw materials from indian store and grind to get fresh taste.
by core4portfolio
Fri Jan 18, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 41
Views: 2071

Re: Tax filing software

use turbotax. it very user friendly and worth the money for user friendly. I used them but i moved to freetaxusa for the past few years Why don't you recommend freetaxusa if that's the one you use? If you have patience to enter every field from W2 / 1099 forms then yes, you can go for freetaxusa. F...
by core4portfolio
Fri Jan 18, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: NJ EZ-Pass Why a monthly service fee?
Replies: 45
Views: 1789

Re: NJ EZ-Pass Why a monthly service fee?

Just back from Boston. Hertz has an EZ Pass transponder in the car, you can activate it or close it and use your own, but that's more complicated. They then bill for the tolls, plus a $3.95/day fee for every day in which I incur a toll. I know National has a similar arrangement. Their web pages des...
by core4portfolio
Sun Jan 13, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 41
Views: 2071

Re: Tax filing software

use turbotax. it very user friendly and worth the money for user friendly.
I used them but i moved to freetaxusa for the past few years
by core4portfolio
Fri Jan 11, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Geico auto - used parts??
Replies: 25
Views: 1265

Re: Geico auto - used parts??

In case of collision claim, geico allow us to use OEM parts. Their repair centers are best and have lifetime warranty on what they worked on. In windshield claim, if you have crack they go to safelite to avoid replaement But if you need replacement its OEM or OEM equivalent in windshield glass and ...
by core4portfolio
Fri Jan 11, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Geico auto - used parts??
Replies: 25
Views: 1265

Re: Geico auto - used parts??

In case of collision claim, geico allow us to use OEM parts. Their repair centers are best and have lifetime warranty on what they worked on. In windshield claim, if you have crack they go to safelite to avoid replaement But if you need replacement its OEM or OEM equivalent in windshield glass and y...
by core4portfolio
Wed Jan 09, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 39169

Re: TurboTax Prices

Company says they were founded in 2001. https://www.freetaxusa.com/about.jsp That doesn’t mean they have been offering tax preparation software since 2001, of course. Could be that they pivoted from selling pet supplies to tax software ;) The domain name was first registered in 2002, though. And th...
by core4portfolio
Tue Jan 08, 2019 6:30 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6184

Re: Fell in Love with Fidelity

Okay so I can be a little impulsive, but I opened a Fidelity brokerage account and have fallen in love. I had three goals I wanted to achieve: -- Invest in bond market index fund -- increase international stock exposure with an international index fund -- Expand US stock exposure with a total stock...
by core4portfolio
Tue Jan 08, 2019 6:26 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6184

Re: Fell in Love with Fidelity

What type of bond market index fund did you pick in taxable/brokerage? What is your top/marginal tax bracket for 2019? Taxable bonds in a brokerage account may not be the right move in higher tax brackets. Interest is 100% ordinary income. Not enough information to guide you. The Vanguard funds at ...
by core4portfolio
Mon Jan 07, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: washer dryer rec
Replies: 22
Views: 1497

Re: washer dryer rec

We bought samsung washer and dryer. They are very good for the price we bought.
It have nice features but I heard speed queen is best among home owners
by core4portfolio
Mon Jan 07, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Costco Ameriprise Car Insurance
Replies: 12
Views: 1185

Re: Costco Ameriprise Car Insurance

I used them for quite sometime. They are very good. If you have executive member then road side assistance is free. Roadside assistance turn around time is generally 45 mins on 2 occasions i have used. I havent worked on any claims though but my experience on customer service and Road side assistanc...
by core4portfolio
Mon Jan 07, 2019 9:48 am
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20246

Re: $40,000 in debt, bankruptcy seems to be the best option right now

What are “wife’s bills” totaling $365? Do you have any savings to fall back on or pay down the debt? Have you researched 0% credit card offers to lower the interest paid? If you’re carrying a balance on a card, stop additional spending on that card or each purchase accrues interest immediately. At ...
by core4portfolio
Fri Jan 04, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 177
Views: 9259

Re: Which Compact SUV Should I Buy?

Except CRV, try other models. Main concern is Oil dilution issue with CRV in 2017/18/19 models will ruin engine sooner. You can search crvownersclub or even in boglehead forum for this. Iam also a 2018 CRV owner and happy with vehicle but frustrated with oil dilution issue and Honda is not treating ...
by core4portfolio
Mon Dec 31, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: How urgent is my Mom’s single-stock investment? (Sysco)
Replies: 35
Views: 1588

Re: How urgent is my Mom’s single-stock investment? (Cisco Systems)

If you plan on index fund portfolio : In the recent downtrend, now is good time to sell the individual stocks and move to index.
I did the same in my portfolio.
by core4portfolio
Mon Dec 24, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: Now is the time to REJOICE!
Replies: 102
Views: 11635

Re: Now is the time to REJOICE!

I sold most of the individual stocks I held in taxable for almost loss and bought VTI.
still holding few other stocks...Iam thinking of buying Apple but looked at VTI as its been down close to 12% (as i bought at peak )
So bought some more VTI. :sharebeer
by core4portfolio
Mon Dec 17, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Zinus Mattress Reviews?
Replies: 9
Views: 403

Re: Zinus Mattress Reviews?

Returning mattress is a pain but i did only once when i bought mattress firm locally and they came and exchanged it for a stain present there. We have bought Gel-Infused Green Tea Memory Foam Mattress - 10" / King from Zinus. Its really good and being side sleeper, i dont see any weight transfer as...
by core4portfolio
Mon Dec 17, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Zinus Mattress Reviews?
Replies: 9
Views: 403

Re: Zinus Mattress Reviews?

deleted
by core4portfolio
Mon Dec 17, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Zinus Mattress Reviews?
Replies: 9
Views: 403

Re: Zinus Mattress Reviews?

Returning mattress is a pain but i did only once when i bought mattress firm locally and they came and exchanged it for a stain present there. We have bought Gel-Infused Green Tea Memory Foam Mattress - 10" / King from Zinus. Its really good and being side sleeper, i dont see any weight transfer as ...
by core4portfolio
Mon Dec 17, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19502

Re: Favorite Purchase of 2018?

2018 CRV EX on Jan 2018 is most favorite until today and most expensive purchase in the past 7 years
by core4portfolio
Mon Dec 17, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5494

Re: Gift Ideas for wife

Instant pot... if you already have then
Instant pot cook book from amazon
by core4portfolio
Mon Dec 10, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: Why are Fidelity's Target Date Funds So expensive?
Replies: 16
Views: 1536

Re: Why are Fidelity's Target Date Funds So expensive?

Fidelity have 2 types of target date funds

1. Fidelity freedom index target date funds
2. Fidelity freedom target date funds

Index funds are always cheaper than other funds and competitive with vanguard.
by core4portfolio
Wed Dec 05, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 20997

Re: Best values at Costco? Honestly, a little disappointed...

Currently our buy at Costco on good value for vegetarians as Rice - Sona masoori - cheapest to get at costco Salt Honey Spinach Kale Avacado occasional cereals on sale pasta pasta sauce on sale kitchen towel charmin lot of winter clothes socks mozzarella cheese vitamin tablets Glucerna I also have A...
by core4portfolio
Wed Dec 05, 2018 2:23 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 7148

Re: Anybody Miss the Crypto Rage on BH Forums

I bought GBTC etf for 2k which uses crypto but sold for loss of 1k after a month.
Ofcourse if i hold it now, it will be way less than that
by core4portfolio
Wed Dec 05, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Anyone else not enjoy going out?
Replies: 68
Views: 12174

Re: Anyone else not enjoy going out?

we are not since my kid is running all over.
We just do take out or delivery. pizza mostly
by core4portfolio
Tue Dec 04, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: What to negotiate in offers
Replies: 45
Views: 3281

Re: What to negotiate in offers

Most of the checklist you have mentioned are designed at company level and not at employee level.
So I doubt they are negotiable at any companies. At the max, you can ask for sign on bonus if job allowed that.....
by core4portfolio
Wed Nov 28, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 8997

Re: How did YOU choose your career?

I studied electronics and communication engineering. Become an electronic engineer then studied networking become network engineer Then studied programming become programmer then become project manager then become programmer again. Now studying Azure but not sure if i land in that area. Decided to s...
by core4portfolio
Tue Nov 27, 2018 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 109
Views: 14428

Re: Divorce [financial implications]

I never been divorced but seen my nephew went through. When spouse is a homemaker, obviously other person will be earning on all these years. During divorce, why are you pointing he/ she was not working on all these years ? Your spouse might be taking care of home and/or kids...might be left job to ...
by core4portfolio
Sat Sep 29, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2276
Views: 398504

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: 1674

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: 1247
Views: 107984

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: 6982

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: 7505

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: 2235

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: 9539

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: 6970

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: 6970

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: 324
Views: 93589

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: 4689

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: 3285

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: 7971

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: 1686

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: 3450

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: 6970

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: 6970

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: 6970

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: 5830

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: 6970

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...