Search found 10254 matches

by Jack FFR1846
Tue Nov 12, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house with no commissions,fair deal?
Replies: 9
Views: 321

Re: Selling house with no commissions,fair deal?

There can be an offer number that has no justification or reason. If you believe you can end up with more money by selling through an agent to someone else, nothing's stopping you. There's no guaranty, however.
by Jack FFR1846
Tue Nov 12, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Cash In or Take Annual Leave
Replies: 11
Views: 910

Re: Cash In or Take Annual Leave

I'm not federal, but have thought of this for anyone. Use the leave, starting on the date you had planned to retire. Come back and work a month. I assume you accrue more time while you're on leave and then again for that final month. You end up with more overall.
by Jack FFR1846
Tue Nov 12, 2019 9:48 am
Forum: Personal Investments
Topic: Speculating - Chesapeake Energy (CHK)
Replies: 9
Views: 279

Re: First time Speculating - Chesapeake (CHK)

So you bought a stock that's heading into the toilet? Or did you short it?
by Jack FFR1846
Tue Nov 12, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: $10K wire transfer - loan to son - tax implications?
Replies: 8
Views: 520

Re: $10K wire transfer - loan to son - tax implications?

The bank would only report $10k if you deposited it in cash.

You can GIVE your son $10k (up to $15k this year) with no reporting required.
by Jack FFR1846
Tue Nov 12, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 31
Views: 999

Re: (Sigh) "Wasting" year-old smoke detector batteries...

I have a box of batteries. I'd throw them into the box. I also have a tester like the one you showed. Before using batteries for our tv remote or a flashlight or something else, I'll test it. Clocks will run years on a battery that's right on the line for dead.
by Jack FFR1846
Tue Nov 12, 2019 9:30 am
Forum: Investing - Theory, News & General
Topic: Rich preparing for market drop
Replies: 18
Views: 1924

Re: Rich preparing for market drop

79% of respondents are greater than 50% confident that 90% of survey questions are at least 30% misleading 80% of the time.

The rest refused to answer and called the police.
by Jack FFR1846
Mon Nov 11, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 15
Views: 979

Re: Snow tires

My last Hakkas actually were studded on an S-10 pickup. I came over the crest of a hill on clear, dry road to come onto an accident. I hit the brakes, the abs kicked in and I slid forever. When I got home, I pulled all the studs out and will never again use them. They're legal during the winter in M...
by Jack FFR1846
Mon Nov 11, 2019 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: State Estate Tax Consideration
Replies: 16
Views: 897

Re: State Estate Tax Consideration

Besides the federal gift limit amount, remember that you can pay directly to colleges the bill for anyone and it does not count in any way. Also medical expenses for others.
by Jack FFR1846
Mon Nov 11, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 15
Views: 979

Re: Snow tires

Some of the best snows out there. I'm too cheap to buy them but have in the past on a car. I've run Blizzaks as well. They're good as well.
by Jack FFR1846
Mon Nov 11, 2019 3:05 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 93
Views: 4418

Re: Investing $140k in cash at 1k per week

Sounds silly. Transfer $140k....buy VTI, move on.
by Jack FFR1846
Mon Nov 11, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Kohl's credit card refuse to refund undelivered order
Replies: 27
Views: 1168

Re: Kohl's credit card refuse to refund undelivered order

Once you see that the account is credited, sounds like a good time to cancel the card and shop elsewhere.
by Jack FFR1846
Mon Nov 11, 2019 10:40 am
Forum: Personal Investments
Topic: Help for MIL
Replies: 18
Views: 950

Re: Help for MIL

My first thought is that there's a lot of hassle for nearly no value in that AT&T stock. Why not just sell it, take the very little tax hit and use the money for something useful?
by Jack FFR1846
Mon Nov 11, 2019 10:28 am
Forum: Personal Investments
Topic: Emergency Fund options
Replies: 2
Views: 407

Re: Emergency Fund options

While I'm a huge proponent of iBonds, I'd caution that anything you put into them need to be above and beyond your emergency fund level. To make up numbers, if you want an emergency fund of $100k and you have $103k in that Discover account, I'd personally overpay federal taxes and then get back $3k ...
by Jack FFR1846
Mon Nov 11, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?
Replies: 44
Views: 5851

Re: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?

I think your friend will be fine and remain financially independent IF he continues with only that small amount of money in the gambling category. To be clear, he won a gambling bet with crypto. It is not and never has been an investment. Had he gone to Vegas, he could have won just as big and if he...
by Jack FFR1846
Sun Nov 10, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance - removing a driver on policy
Replies: 12
Views: 873

Re: Auto Insurance - removing a driver on policy

The answer is "Ask your insurance agent" because us internet weenies have no idea. I've done this many times. teen son was specifically excluded from my new Jeep teen son and DW were specifically excluded from my Lotus But in later years (DS is now 23), and Jeep being a few years old, after asking, ...
by Jack FFR1846
Sat Nov 09, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6617

Re: Was I ripped off at the car dealership?

I'd be very interested in the year and model. If it's a first generation Fusion with the 2.3L 4 cyl engine, I'll put mine on the lift and give you an estimate of how long it would take me to do it. My Wrangler could easily be done in half an hour, but it has absolutely nothing in the way and I do ha...
by Jack FFR1846
Fri Nov 08, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4640

Re: How bad business travel is?

Having been there, I really feel that it depends greatly on how enthusiastic you are to travel. I went into a role where I was travelling about 25% of the time by air. This was typically leaving on a 6 am Monday flight and arriving in my home airport around 10 pm Friday night. On average, maybe 3 fl...
by Jack FFR1846
Fri Nov 08, 2019 2:49 pm
Forum: Personal Investments
Topic: Suggestions for cash or cash equivalent positions?
Replies: 21
Views: 1253

Re: Suggestions for cash or cash equivalent positions?

Redneck Bank MegaMoney account. 2.25% now. No minimum. $50k max for earning this rate.
by Jack FFR1846
Fri Nov 08, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: When to buy Car extended warranty ?
Replies: 55
Views: 2622

Re: When to buy Car extended warranty ?

Galaxy8 wrote:
Thu Nov 07, 2019 8:36 am
As a Subaru owner still under factory warranty, I would happily take the referral. :sharebeer
Contact Dave at Mastria Subaru in Massachusetts. Very straight forward. He emails a matrix with coverage and cost.
by Jack FFR1846
Fri Nov 08, 2019 2:38 pm
Forum: Personal Investments
Topic: 529 plan with State Tax deduction
Replies: 18
Views: 620

Re: 529 plan with State Tax deduction

I'm perhaps part of the many...but until 2 years ago in my state, we got zip for investing in a 529. Now, with 2 kids in college, I invest the max where I can get anything in tax advantage....$2k a year. I literally put it into Fidelity....wait till it settles....and then ach it back to myself. I'll...
by Jack FFR1846
Fri Nov 08, 2019 2:34 pm
Forum: Personal Investments
Topic: New member, and advice seeker..
Replies: 10
Views: 650

Re: New member, and advice seeker..

Look through the target date funds. They're very hands off and are low cost. Kinda set them and forget them till you want to withdraw.
by Jack FFR1846
Fri Nov 08, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Settling a disputed estate, cannot locate one survivor
Replies: 20
Views: 1879

Re: Settling a disputed estate, cannot locate one survivor

So the question is whether to hire a private investigator to track down someone who is specifically named to get nothing? Why? To find her and tell her "Your dad died and left a will. You got nothing".
by Jack FFR1846
Fri Nov 08, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Question for Car experts - how urgent/important are these maintenance items
Replies: 36
Views: 3237

Re: Question for Car experts - how urgent/important are these maintenance items

The belt. It's about $9 generic. Here's how to replace it: https://www.youtube.com/watch?v=27-JeQCGskc What I would do: I'd let it start making noise or I'd replace it myself. Sounds to me like your mechanic has a boat payment due. Coolant flush? Uh, no. That boat has winterization and insurance pay...
by Jack FFR1846
Fri Nov 08, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: visiting Maine in November
Replies: 27
Views: 1851

Re: visiting Maine in November

It's 33 degrees, 100 miles south of where you're talking right now. So you're looking at likely snow. At least flurries during your stay.
by Jack FFR1846
Fri Nov 08, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Moved to new state, buying new car; what to do first?
Replies: 12
Views: 714

Re: Moved to new state, buying new car; what to do first?

That's a very strange requirement.

So a person entering the state of NC who doesn't own a car and has no plans to own a car is required to get a new license in 60 days but if they don't own a car, can't get a license. What do they do in that case? Just arrest the person for catch 22?
by Jack FFR1846
Fri Nov 08, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Selling to Carmax: Fix then Quote vs. Quote then Fix
Replies: 23
Views: 1891

Re: Selling to Carmax: Fix then Quote vs. Quote then Fix

If you can fix it yourself for zero cost and don't mind the wrenching time, knock yourself out. I'm in that position, judging from your description. I would pull the rotors and sand them well. Warped rotors are pretty rare, actually. Built up deposits on rotors are very common and feel the same as w...
by Jack FFR1846
Fri Nov 08, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Is selling trees for lumber Immoral?
Replies: 33
Views: 2645

Re: Is selling trees for lumber Immoral?

Work with a forester and expect instead of $7k, perhaps you end up with $2k and woodlands that will sustain itself and the wildlife in it. In another X years (ask the forester), you have it done again. I forest manage my own property which surrounds my house and am in a state program (chapter 61) th...
by Jack FFR1846
Thu Nov 07, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Job change + high healthcare costs = pay deductible twice?
Replies: 17
Views: 1132

Re: Job change + high healthcare costs = pay deductible twice?

If the cost for paying without using insurance is less than the deductible, then do that. Also fund a health care flexible spending account to the maximum. Here's why. You'd get no help from insurance since you're in the deductible area. You could very well negotiate a lower payment for paying immed...
by Jack FFR1846
Thu Nov 07, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord & Live Television
Replies: 45
Views: 2901

Re: Cutting the Cord & Live Television

I'm in the process. What I've done: First: Bought an amplified HDTV antenna. Yes, I know the big old channel master on the chimney is actually better but an ice storm destroyed it last winter. $39 for the new antenna. Mounted it outside. Two: Bought a universal remote because our fios remote doesn't...
by Jack FFR1846
Thu Nov 07, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Car accident, insurance questions
Replies: 17
Views: 763

Re: Car accident, insurance questions

Go through your own insurance.
by Jack FFR1846
Thu Nov 07, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Amica - Auto Policy, only 6 months
Replies: 37
Views: 2332

Re: Amica - Auto Policy, only 6 months

Mapfre assumes you want to pay monthly. I pay online and get the discount for paying in full. They still do it a full year at a time.
by Jack FFR1846
Thu Nov 07, 2019 10:10 am
Forum: Investing - Theory, News & General
Topic: The hidden cost of Fidelity’s ZERO funds
Replies: 66
Views: 5561

Re: The hidden cost of Fidelity’s ZERO funds

I hold VTI but didn't include it when I spent a complete year to compare equal investments (mine) in FZROX and FSKAX. What I found in real life, easy to look at my account and compare is that at the end of the year, FZROX clearly returned more, as in that had more in it. I then sold my position in ...
by Jack FFR1846
Thu Nov 07, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: "Beer Money" Methods
Replies: 50
Views: 5879

Re: "Beer Money" Methods

tradeline sales
low balance forgiveness on credit cards
gas points and use of circular gift cards
free points programs everywhere. Airline, gas, restaurants, hotels.
apps
Paying attention to credit card offers. We've been getting 10% back from our sears citi card.
by Jack FFR1846
Thu Nov 07, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage to prepay or not prepay
Replies: 79
Views: 5480

Re: Mortgage to prepay or not prepay

JoeRetire wrote:
Thu Nov 07, 2019 7:03 am
There is no consensus.
I doubt there are 2 Bogleheads who would agree on both the terms and whether one should pay the mortgage. I'm at the far end and would pay it off even it the interest rate was 0%. I hate debt.
by Jack FFR1846
Thu Nov 07, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: When to buy Car extended warranty ?
Replies: 55
Views: 2622

Re: When to buy Car extended warranty ?

We just bought a 2020 BMW X3 and are going through the thought process. The car MSRP was $68k. The factory warranty is 4 years / 50,000 miles. For another $12k, we could have everything covered for 7 years / 100,000 miles. $12k includes wheels and windshield coverage. A new windshield is $2400 beca...
by Jack FFR1846
Thu Nov 07, 2019 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Excess Cash- What to do with it?
Replies: 14
Views: 1644

Re: Excess Cash- What to do with it?

US Savings Bonds. More in taxable. There's no limit for investing.
by Jack FFR1846
Wed Nov 06, 2019 11:00 pm
Forum: Investing - Theory, News & General
Topic: ZERO Commission Impact ?
Replies: 3
Views: 432

Re: ZERO Commission Impact ?

You don't have to pick the same ETF. For example, for US equity, I hold FZROX, FXAIX, SCHB, VTI, SPTM in various places, all now at zero commission to trade. Although I could go to one, I don't see any reason to. They are all very similar and close enough for me. If YOU want to make them all the sam...
by Jack FFR1846
Wed Nov 06, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: When to buy Car extended warranty ?
Replies: 55
Views: 2622

Re: When to buy Car extended warranty ?

Look into some of the Mercedes enthusiast sites. I know other brands, but not Mercedes. With the ones I'm familiar with, you can buy a factory extended warranty so long as the car is still within the time/miles of the original bumper to bumper factory warranty. There also are usually dealers who wil...
by Jack FFR1846
Wed Nov 06, 2019 5:42 pm
Forum: Investing - Theory, News & General
Topic: The hidden cost of Fidelity’s ZERO funds
Replies: 66
Views: 5561

Re: The hidden cost of Fidelity’s ZERO funds

I hold VTI but didn't include it when I spent a complete year to compare equal investments (mine) in FZROX and FSKAX. What I found in real life, easy to look at my account and compare is that at the end of the year, FZROX clearly returned more, as in that had more in it. I then sold my position in F...
by Jack FFR1846
Wed Nov 06, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: What car fits comfortably 3 adults with luggages?
Replies: 63
Views: 1854

Re: What car fits comfortably 3 adults with luggages?

Your car will work fine. If you want to be absolutely sure that the bags full of kitchen sinks and bricks will fit, first, put a roof rack on the car. A bunch of Harbor Freight tie down ratchet straps will hold down all the bags up there. Stack em as high as you can. Next, get a class 3 trailer hit...
by Jack FFR1846
Wed Nov 06, 2019 1:29 pm
Forum: Personal Investments
Topic: Should I let UBS manage our windfall?
Replies: 23
Views: 2495

Re: Should I let UBS manage our windfall?

$5500 a year on $800k? By comparison, I spend a total of $433.68, including ERs on a portfolio of (today) $2,645,211.22. So for that extra five grand, what is it exactly that UBS is providing for you? An overly complicated mix of random investments? Just buy a target date fund and then you can spend...
by Jack FFR1846
Wed Nov 06, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: What car fits comfortably 3 adults with luggages?
Replies: 63
Views: 1854

Re: What car fits comfortably 3 adults with luggages?

Your car will work fine. If you want to be absolutely sure that the bags full of kitchen sinks and bricks will fit, first, put a roof rack on the car. A bunch of Harbor Freight tie down ratchet straps will hold down all the bags up there. Stack em as high as you can. Next, get a class 3 trailer hitc...
by Jack FFR1846
Wed Nov 06, 2019 6:53 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789369

Re: What's Your Credit Card Rewards Strategy?

I thought I saw this one in this thread..... Citizen's Bank has a limited time 5% card, with that rate until the end of March, then 1.8%. Since it's in the middle of my lunch time walk, I stopped in and applied. Approved without a credit pull. Although our Citi Sears card is getting exercised this q...
by Jack FFR1846
Wed Nov 06, 2019 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Lost Check
Replies: 12
Views: 734

Re: Lost Check

Stop payments are time limited, so even if you ordered one, if the check ends up somewhere, say at cap one, they could cash it once the stop payment expires.

I'm curious. Why are you sending paper checks when electronic payment is available?
by Jack FFR1846
Tue Nov 05, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Weddings - The good? The bad?
Replies: 45
Views: 3969

Re: Weddings - The good? The bad?

Hey all! I wanted to get your opinions on what was good, bad, or ugly about weddings you've been to. I'm a recently engaged boglehead going down the rabbit hole of wedding planning. We've been looking at venues and home based receptions for a month but are running into many concerns. I would hoping...
by Jack FFR1846
Tue Nov 05, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Cars outside Apt broken into- Recommendation on Easy, Affordable Security System for Apartment
Replies: 17
Views: 1256

Re: Cars outside Apt broken into- Recommendation on Easy, Affordable Security System for Apartment

I like the idea of an alarm with loud sirens and bells. I'm less interested in monitoring on my phone or having some call center hooked in for big bucks a month. If someone opens the window and all hell breaks loose noise wise, that's what I want. Something that's going to potentially drive away the...
by Jack FFR1846
Tue Nov 05, 2019 10:18 am
Forum: Investing - Theory, News & General
Topic: Citizens Bank 5% cash back on everything thru 3/31/20
Replies: 9
Views: 1363

Re: Citizens Bank 5% cash back on everything thru 3/31/20

They're on my lunchtime walk route, inside a stop & shop. Might be worth trying out. Citi-Sears has been doing excellent quarterly bonus offers that started 3rd quarter this year out of nowhere. 3rd quarter was 10% back up to $1k/mo spend, min $500 spend on gas, grocery, restaurant. This quarter, it...
by Jack FFR1846
Tue Nov 05, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.
Replies: 29
Views: 1890

Re: Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.

We had neighbor's kids riding their 3 wheelers through our trails some years ago. I walked into the woods when I heard them, waved them down and told them I didn't want them on my property with the machines. They stayed off the property. Only last year, someone put a game camera up on a tree next to...