Search found 5582 matches

by Jack FFR1846
Mon Oct 23, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Best way to pay for part-time care for grandfather?
Replies: 12
Views: 620

Re: Best way to pay for part-time care for grandfather?

Check to see if the city/town where he lives has a senior services dept. My wife's aunt gets care through a provider connected with the local senior services at $15 per hour. Not sure if the dept subsidizes this. This is in a Mass city.
by Jack FFR1846
Mon Oct 23, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: Installing a slide inside a home?
Replies: 38
Views: 2108

Re: Installing a slide inside a home?

Be sure to ask your insurance agent and fire department. We have a spiral staircase in an addition that required a smoke detector installation on both floors.
by Jack FFR1846
Sun Oct 22, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Helping college costs of grandchildren
Replies: 37
Views: 2080

Re: Helping college costs of grandchildren

I'm not much into "fairness" with how to spend my own money. I know my parents have helped me and my sister over the years but there was no equity assumed. I actually have no idea what they've given to my sister. I paid back money they gave me towards my first house down payment but my mom has paid ...
by Jack FFR1846
Sun Oct 22, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 2331

Re: how often to upgrade phone?

Feel free to send the author my way to convince me that the iPhone 4s that I refuse to upgrade the operating system is costing me more than buying some new phone. The battery is fine, the phone is 6 years old, it does everything I need, and the kicker....it was a former company phone given to me for...
by Jack FFR1846
Sun Oct 22, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Drum sets?
Replies: 10
Views: 570

Re: Drum sets?

I'm a guitarist, so could guide someone about what to look for in a guitar. I went with my son who was interested to a mostly used instrument store where I buy a lot and asked the differences between drum sets. They had full sets (used) for $150 and full sets (used) for $4500. Like guitars, there ar...
by Jack FFR1846
Sat Oct 21, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 59
Views: 3431

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

I'd recommend some high performance driver education days. Lots of clubs run them affordably and the speed 3 would work great for them. (it's not a Miata, but will work). You'll gain actual driving skills, take away awareness that transfers to the highway and learn to anticipate incidents before the...
by Jack FFR1846
Sat Oct 21, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Commission only fiduciary planner
Replies: 95
Views: 2845

Re: Commission only fiduciary planner

Harvard's returns were "a disappointing" 8.1% for the fiscal 2017 year. Yale's was 11.3%. I picked Vanguard's target date 2050 as a set it and forget it fund. Return for the last year was just under 20%. I wouldn't want the "endowment" style. I'd call it the "underperform" style.
by Jack FFR1846
Fri Oct 20, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Strategy
Replies: 20
Views: 1563

Re: Emergency Fund Investment Strategy

Redneck Bank Megamoney account 1.5%
Ally 5 year CD 2.25%
US Savings Bonds: iBonds (if I remember right...2.75% now)
by Jack FFR1846
Fri Oct 20, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: Charles schwab - why so much cheaper?
Replies: 35
Views: 4278

Re: Charles schwab - why so much cheaper?

Less likely at captive Schwab ETFs but TDAmeritrade is cutting Vanguard ETFs from their no transaction fee listing. I have a TDA account with only VTI in it and since it's in taxable, have decided that I'm going to just leave it there, withdraw all dividends and not add a dime. I'll divert taxable i...
by Jack FFR1846
Fri Oct 20, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 4856

Re: I have to fire someone that I care about personally

Seriously, does she also play an instrument? Jen Ledger from Skillet absolutely kills it vocally, but does it from the drum throne. It's a way to keep a great talent while using the frontman (who's also playing bass) and the front lineup (guitarists) to do the physical entertainment.
by Jack FFR1846
Fri Oct 20, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 4856

Re: I have to fire someone that I care about personally

I've seen plenty of threads on Strat Talk and TDPRI about this situation. Maybe search there for more "band centric" info about letting a member go.

Pete Best
by Jack FFR1846
Fri Oct 20, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Pulling some profits
Replies: 13
Views: 1931

Re: Pulling some profits

I have a good plan for you: 1) Open up a Schwab account. 2) Put in the code to get rewarded for moving your account from EJ, then move all the accounts to Schwab. 3) Choose ETFs or funds based on low ER, no trading fee and the type of fund (equity, bond, international). This is based on your AA. 4) ...
by Jack FFR1846
Fri Oct 20, 2017 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Looming Retirement & Market Jitters
Replies: 48
Views: 4065

Re: Looming Retirement & Market Jitters

The market is not sustainable because we peaked and will not go higher in your lifetime? If so, sell it all and go short. Most people believe that while the market is at an all time high, that is merely to be expected. It won’t go up without going down, but the long term trend has been to hit an up...
by Jack FFR1846
Wed Oct 18, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Am I paying too much for insurance?
Replies: 18
Views: 1727

Re: Am I paying too much for insurance?

Your premiums are really cheap. Mine are far higher in Hopkinton, which is in the second lowest risk category in the state, but I own 17 and 21 year old boys (only the 21 has a license). The cars look like liability only from the numbers you have.
by Jack FFR1846
Wed Oct 18, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10135

Re: anyone else not liking the new cars?

Japanese cars have always been "what were they thinking?" design wise with occasional strokes of brilliance (S2000, all NSX, Supra, the Z family). Acura used to have beautiful cars across the lineup until they decided to add the stupid beak to the grill. That bad idea has now migrated to the Honda ...
by Jack FFR1846
Wed Oct 18, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 37
Views: 2212

Re: Data Use on Smartphones

If you turn on wi fi, you can get by with 1.2G a year unless you are in a total dead zone.
by Jack FFR1846
Wed Oct 18, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: If someone held a gun to your head, and force u to gamble whether the S&P 500 will rise or fall tomorrow, what do u say?
Replies: 45
Views: 2221

Re: If someone held a gun to your head, and force u to gamble whether the S&P 500 will rise or fall tomorrow, what do u

I would answer "yes".

The gun pointer would become disoriented and I'd use my magical kung fu powers to turn my head and control the gun.

Then an annoying Edward Jones commercial would start.
by Jack FFR1846
Wed Oct 18, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: High fee funds
Replies: 12
Views: 995

Re: High fee funds

What are the funds.

With all the brew ha ha of TDAmeritrade dumping Vanguard ETFs, I went through their list of no fee etfs and noted that one was over 7%! Not 0.7%....7%. That's just stupid.

Going forward, the only thing you can know at all is fees.
by Jack FFR1846
Wed Oct 18, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Registering/titling new car myself
Replies: 6
Views: 710

Re: Registering/titling new car myself

An MCO is a manufacturer's certificate of origin. You would take the MCO and sales order from the dealer to your registry of motor vehicles, if you were in Massachusetts. You'd have to have a stamped RMV-1 form from your insurance company, showing that you have insurance on the car. At the registry,...
by Jack FFR1846
Wed Oct 18, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 2582

Re: Best smartphone

Best? My iPhone 4S does everything I need. It doesn't fill up and slow down as I hear newer ones do. Its a reasonable size and has a switch to silence it. I keep it on a charger at work so battery life only gets tested on weekends. I got this when I left my last job for free because the IT dept beli...
by Jack FFR1846
Wed Oct 18, 2017 7:44 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 348
Views: 19137

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I've been surprised that more people who are transferring out of TDA (or are thinking about it) aren't just transferring their accounts to Vanguard (though I understand there are some account type limitations and that they aren't an option for foreign investors). If you have only taxable and IRA ac...
by Jack FFR1846
Wed Oct 18, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Recommendations on truck/suv/crossover/wagon with comfortable seating
Replies: 11
Views: 751

Re: Recommendations on truck/suv/crossover/wagon with comfortable seating

There's 2 things you're trying to do. One is to account for potholes and bad roads and some offroad. This would point to a vehicle with a very good suspension for comfort. So, for example, a Wrangler or pickup should be crossed off the list with the live rear axle and setup mostly to allow loads in ...
by Jack FFR1846
Tue Oct 17, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Gold ETF
Replies: 32
Views: 3019

Re: Gold ETF

If you wanted to buy coins that have metal value above their face, but be able to easily buy them at face, buy pre 82 pennies. They're 95% copper with a metal value of about 2 cents each. The problem is in selling. I haven't found anyone who buys them for any more than a penny each unless they're wh...
by Jack FFR1846
Tue Oct 17, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Help picking apart whole life insurance cash value
Replies: 39
Views: 1591

Re: Help picking apart whole life insurance cash value

Search whole life for threads. My very short understanding of whole life policies. 1) the salesman gets 8% 2) when the salesman tells you that you get 7% a year, what he really means is that if you keep the policy for 50 years, you'll get 2% a year. 3) If you actually plan to get your money back eve...
by Jack FFR1846
Tue Oct 17, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Excess cash for car fund - Would you invest?
Replies: 12
Views: 557

Re: Excess cash for car fund - Would you invest?

You're asking if you can do mental gymnastics to justify putting your emergency/car fund money into risky investments because you have separate emergency and car funds?

No. All that money should stay in risk free vehicles like a high yield savings account or no penalty cd.
by Jack FFR1846
Tue Oct 17, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Car fund in index fun or savings?
Replies: 19
Views: 1345

Re: Car fund in index fun or savings?

Answers all over the map......

I'd put it into an Ally 5 year CD.
by Jack FFR1846
Tue Oct 17, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Grandparents want to give to grandkids
Replies: 33
Views: 3024

Re: Grandparents want to give to grandkids

Are they ok with deposits into 529 accounts? This makes the intent of the money pretty clear. I'm not a fan of just giving money to kids.
by Jack FFR1846
Tue Oct 17, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 348
Views: 19137

Re: Fellow TDA bogleheads

Well, my simple email was sent saying I'm sad that they did this and that money destined to go into more VTI shares will now go to Schwab to buy SCHB. I decided that was a good enough message. My son has a Roth there with 1 share of VTI. I had him send a message asking what free ETF he can move to t...
by Jack FFR1846
Tue Oct 17, 2017 8:34 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 348
Views: 19137

Re: Fellow TDA bogleheads

Just received the email from TDA announcing this. I'll be sending a response of my disappointment.
by Jack FFR1846
Tue Oct 17, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 18
Views: 2592

Re: Roofer stopped showing up - what are my options?

It's probably worth the minimal effort to put in a BBB complaint, but in my experiance, they're useless. I put in a complaint about a roofer and checked online at the BBB site to find my complaint "resolved". I called them and they said they contacted the roofer with my complaint and the roofer said...
by Jack FFR1846
Tue Oct 17, 2017 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Alternative to Vanguard PAS (dreadful service)
Replies: 16
Views: 1587

Re: Alternative to Vanguard PAS (dreadful service)

I love Fidelity for their low cost index funds. I hate Fidelity because if you want some help, they are going to want to put you into high cost, actively managed funds. I have had similar good experiences moving many accounts into Fidelity in no time and with no hassle. What I'd recommend: Find a Fi...
by Jack FFR1846
Tue Oct 17, 2017 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Buying Employer Shares
Replies: 13
Views: 845

Re: Buying Employer Shares

If you can sell immediately, you are refusing free money. Why are you doing that?
by Jack FFR1846
Tue Oct 17, 2017 6:33 am
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2421

Re: How do you outfit your feet?

Rather than throwing out those beyond what you need, how about put them in a box and store them. When a pair you use gets worn out, before going out and wasting money on new ones, look in the box and see if you already have a replacement pair. I tend to use shoes way beyond their usable lifetime. I ...
by Jack FFR1846
Mon Oct 16, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6013

Re: Trash dumped on curb (need advice)

Post an add on Craigslist for free stuff. It will be gone fast. This is the best idea ever! Make a few "free" signs to put on big items and try to set them away from the pile. In the craigslist ad, take pictures of the big things and maybe take pictures of random furniture in your house to bait the...
by Jack FFR1846
Mon Oct 16, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 59
Views: 4905

Re: Car Buying, Time to grow up.

The recall does not fix the issue . I owned a 2014 Ford Focus and by 40,000 miles I had the clutch/shaft seals replaced 3 times. Every time the awful shuddering issue came back. My last straw with that car was when the throttle got stuck on the highway, causing me to have to swerve into the breakdo...
by Jack FFR1846
Mon Oct 16, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: VITAX ( vanguard tech fund )
Replies: 9
Views: 512

Re: VITAX ( vanguard tech fund )

30 years ago today, I bought one of the most cutting edge tech company stock......DEC. With the rest of the Black Monday stocks, it tanked. Unlike the rest of the Black Monday stocks, it never recovered.
by Jack FFR1846
Mon Oct 16, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395864

Re: What's Your Credit Card Rewards Strategy?

Less than 9 :shock: Let me think....4 cards for "low balance forgiveness" which I keep in a separate pouch and use once a month together to buy gas (either $0.99 per card or $1.99 per card). 4 cards up for tradelines (some overlap with above for when no tradeline has been sold) Core cards for reward...
by Jack FFR1846
Mon Oct 16, 2017 1:02 pm
Forum: Investing - Theory, News & General
Topic: Barclays Increase APY to 1.30%
Replies: 9
Views: 762

Re: Barclays Increase APY to 1.30%

Yawn. 1.5% at Redneck bank, which I found about here on Bogleheads a year ago. Good only to $35k, but I'll live with that.
by Jack FFR1846
Mon Oct 16, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: good used car.
Replies: 11
Views: 1071

Re: good used car.

I think your only question is "What color Civic?".
by Jack FFR1846
Mon Oct 16, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Employer Listens To Brokerage Calls?
Replies: 13
Views: 1210

Re: Employer Listens To Brokerage Calls?

If you have a Fidelity brokerage account, call the generic number, not the one shown in net benefits. I would think that this might disconnect the call from your work account. I would think that the only place where your projected retirement date would exist normally would be in the retirement calcu...
by Jack FFR1846
Mon Oct 16, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3175

Re: Bonus pushed back - should I be annoyed?

This thread's subject demonstrates a real problem employers have with including variable monies in compensation packages. A bonus is truly only a bonus the first time it is offered because it is new money; after that it starts to feel to the employees as an entitlement, something they should receiv...
by Jack FFR1846
Mon Oct 16, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: 529 Savings - Is it enough?
Replies: 38
Views: 3560

Re: 529 Savings - Is it enough?

An alternate strategy is to buy iBonds. If used for college (and you qualify income wise), the interest is all tax free. Only buy in parents' name to stay qualified. If not used for college, you'd only pay federal income tax on the gains....not state. These are more flexible than a 529. The wild car...
by Jack FFR1846
Mon Oct 16, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6013

Re: Trash dumped on curb (need advice)

First, understand if anything special needs to be done to collect those 3 bulk items. Our town has something similar, but 1 bulk item a week, and it's done in a separate collection and only if I call the town and ask for them to collect from my address. With the above known, every trash day, arrange...
by Jack FFR1846
Sun Oct 15, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 34
Views: 2107

Re: Calculating max electrical load of your home

As an EE of over 30 years with a graduate degree and design experience, I understand what you're asking and could do the calculations. If this were for my house, I would ask my neighbor, who is a licensed electrician. I don't know what I don't know in this case. The electrician will know, even if he...
by Jack FFR1846
Sun Oct 15, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: The theory seems irrelevant. How does one execute?
Replies: 23
Views: 1683

Re: The theory seems irrelevant. How does one execute?

Equities have the best chance to increase the most over a long period. Buying the world in stocks makes it unimportant what stocks do good and which do poorly. Bonds reduce volatility. Set up your percentages. Your 60/40 is fine, in my opinion. Then just leave it. If "just leave it" is a problem bec...
by Jack FFR1846
Sun Oct 15, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 107
Views: 6647

Re: How does everyone keep track of your portfolio?

I'm another Excel user. I manually update values for each fund and it automatically updates my cost, asset allocations, and such.
by Jack FFR1846
Sun Oct 15, 2017 7:29 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 6860

Re: What are you driving? And would you buy your current ride again?

I do have to say contrats on the Fiat 500! I daily drive a Jeep Wrangler unlimited. It's horrible over any but perfect roads, gets horrible gas mileage, is brazenly unsophisticated. But it plows snow off my driveway, can easily fit a year's worth of stuff for my son to move to college with a trailer...
by Jack FFR1846
Sat Oct 14, 2017 3:47 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 348
Views: 19137

Re: Fellow TDA bogleheads

I have heard nothing of this and actually just bought some more VTI yesterday in my TDA account (a very small amount). If they drop VTI (the only thing I buy there) as free, I'll wait for all my investments to become long term, sell all but one share and put all the money in Schwab. TDA never calls ...
by Jack FFR1846
Sat Oct 14, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: 2017 BMW X1 purchase
Replies: 14
Views: 1158

Re: 2017 BMW X1 purchase

I'd make absolutely sure that 3 years, 36k miles means from the time YOU purchase it and not from the time it went into service. I've looked (long ago) at BMW and they'd start the warranty the day that the car was put into service, so if it was a loaner for 18 months, you'd only actually have a year...