Search found 202 matches

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: 4948

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: 39
Views: 4450

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: 288
Views: 75376

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 pric...
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: 10577

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: 1520

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: 5754

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: 6500

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: 39
Views: 4450

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: 39
Views: 4450

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: 39
Views: 4450

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: 39
Views: 4450

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: 39
Views: 4450

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: 39
Views: 4450

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: 39
Views: 4450

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: 39
Views: 4450

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: 4010

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: 2685
Views: 517719

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: 645

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: 2140

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: 6436

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: 1201

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: 4999

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: 69
Views: 9979

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: 4948

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: 69
Views: 9979

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: 4948

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: 69
Views: 9979

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: 1035

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: 19110

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
by core4portfolio
Tue Jan 16, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 10994

Re: Besides Bogleheads, What Are Your Favorite Forums?

slickdeals
fatwallet but it got vanished now
by core4portfolio
Mon Sep 25, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: can I rely solely on the value of my home to retire?
Replies: 25
Views: 3161

Re: can I rely solely on the value of my home to retire?

During down market, most of the people dont have money to buy the home of that much worth. I believe most of them are invested in stocks and not sitting on cash. So you need to reduce the price if you are in a position to sell for living rest of the life during that time. If it goes up always and if...
by core4portfolio
Sat Sep 23, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 28391

Re: I won the Lottery. Need sound advice.

Iam really surprised with joint income much higher than average median salary of most of fellow people, you hold huge debt.. but you are really lucky to win this lottery. Pay off all the debts which is around 540k. Left over will little over 720k Take 690K and create 3 funds portfolio. Change your a...
by core4portfolio
Thu Sep 14, 2017 8:08 am
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 9344

Re: Best Lower Cost USA Cities to Live

Suburbans of Atlanta GA
by core4portfolio
Wed Sep 13, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much does my commute cost me?
Replies: 15
Views: 2218

Re: How much does my commute cost me?

I will keep the car and will not eliminate all time but will use commute whenever possible 1.5 miles is not really a exercise walking distance every day unless you have no off hours work and you cannot walk relaxing which will consume more time or kind of brisk walk which will sweat a lot. Safety - ...
by core4portfolio
Thu Sep 07, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 374
Views: 47853

Re: Flaunt Your High-Mileage Car

2001 Camry bought for 7k on Aug 2011 with 77k miles. Performed regular maintance like timing belt, water pump at 90k, spark plug and wires with all maintenance for 120k miles. Issues in the past were battery dead once , passenger motor dead once, replaced radiator due to leak. Changed all the 4 tire...
by core4portfolio
Thu Sep 07, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 12987

Re: Companies/Brands You Love?

Costco. Almost every item were bought from Costco. Amazon - Most of the baby items and few online items Netflix - Amazing site runs on 768KBPS without hiccups Google - everyday my job runs on this Microsoft - job runs on this and also i like windows Pyrex - All my glass containers were made from thi...
by core4portfolio
Wed Sep 06, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 6841

Re: Wife believes 7+% returns from stock market are guaranteed

It seems like she knows financial stuff. I see the positive side of the argument that she hold financial knowledge and so you have to worry less about future portfolio management. Historically she is correct over long time range of investment. But show her if you invest your money in Sep 2007 then i...
by core4portfolio
Wed Sep 06, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 6838

Re: What is the main purpose of holding your current job?

I took the career since thats what i do when iam free and also its my hobby. 3 months before, my answer will be mostly 1 but now it goes to 4. Iam trying to make it to 1 by doing a switch to new company. Current one have more free time but now i also study few things related to my career. My hobby i...
by core4portfolio
Tue Sep 05, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 44265

Re: Name something you had to have and now you regret purchasing it?

Sony sound bar with subwoofer CT 150.Used for a year and packed it for 2 years so far.
Kids kitchen gate. My son kicks it out in few days after we installed.
So we packed it back to box.
by core4portfolio
Tue Sep 05, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 15191

Re: Do you use lifestrategy/ asset allocation funds?

I want my allocation to be 80% on TSM and 20% on TBM but I couldnt find any fund doing this If they have fund in these category then I should have invested in that fund. I dont like international allocation in my funds. So havent used LS or Target date. In 401K i have something called cruise control...
by core4portfolio
Tue Sep 05, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: If I died today, what would my spouse do?
Replies: 69
Views: 15266

Re: If I died today, what would my spouse do?

I told my wife to contact Bogleheads to get answers and if still not understandable then I asked her to contact Rick Ferri (Portfolio solutions) to have job done and being their client. Iam still thinking about trust option but I still havent read any books on that You do realize that Rick has move...
by core4portfolio
Mon Sep 04, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: If I died today, what would my spouse do?
Replies: 69
Views: 15266

Re: If I died today, what would my spouse do?

I told my wife to contact Bogleheads to get answers and if still not understandable then
I asked her to contact Rick Ferri (Portfolio solutions) to have job done and being their client.
Iam still thinking about trust option but I still havent read any books on that
by core4portfolio
Fri Sep 01, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Your Mechanic
Replies: 2
Views: 685

Re: Your Mechanic

I have used them for oil changes last year. Its very reputable. Mechanic will come to your home or location of common choice. He hold all the tools needed and they will take pics of what they have done and upload them. If you are good with the work then you are requested to do esign.You have one yea...
by core4portfolio
Thu Aug 31, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: iPhone tempered glass...$6 vs $50?
Replies: 17
Views: 1972

Re: iPhone tempered glass...$6 vs $50?

i bought this back on 2014 for 10 bucks with lifetime replacement https://www.amazon.com/Tech-Armor-iPhone-Ballistic-Protector/dp/B00EL94RQE/ref=sr_1_6?s=wireless&ie=UTF8&qid=1504198621&sr=1-6&keywords=iphone+screen+protector Screen protector got damaged few weeks before and asked for replacement. t...
by core4portfolio
Sun Aug 20, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 18299

Re: I own no international stocks. Can you guess why?

I have 0% international allocation.
In my understanding, most of the US large cap stocks have exposure to foreign markets
So I just retained the US allocation only
Also easy to rebalance and simplicity x 2

I believe this might be the reason for gradually reducing to 0% from your end
by core4portfolio
Sun Aug 13, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: One more year [to retire]
Replies: 23
Views: 3197

Re: One more year

I find that as I get older, the variety of things I can do other than work (mostly athletic) seems to be declining. I'm very curious what people intend to do in retirement. When I was 20 I thought retirement would be awesome. Now I'm wary of it. Dave When Iam retiring, I will be learning fishing or...
by core4portfolio
Wed Aug 09, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 5594

Re: Toyota Camry Repair Priorities

We have a 2005 Toyota Camry XLE with 130,000 miles or so. It's been a good car, but is just starting to feel long in the tooth, particularly with the terrible roads and rough winters. I know for some bg's 130k sounds like it's in its infancy. I had an overall examination done on the car, and here w...