Search found 5132 matches

by DaftInvestor
Sun May 24, 2020 6:22 am
Forum: Personal Consumer Issues
Topic: Hertz is declaring bankruptcy
Replies: 62
Views: 5628

Re: Hertz is declaring bankruptcy

gasdoc wrote:
Sat May 23, 2020 1:09 pm
DaftInvestor wrote:
Sat May 23, 2020 9:53 am
Refund? Did you pre-pay?
Good point. I just remembered that I used to prepay, but they lately haven't even allowed people to prepay.

gasdoc
I would just book a rental with a second company or three and wait and see which might still be standing. (There is no cancel fee with car rentals).
by DaftInvestor
Sat May 23, 2020 10:02 am
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 82
Views: 6021

Re: Has anyone ever used their Emergency Fund?

Yes - multiple times through the years - for an unexpected job loss and for unforeseen home expenses.
by DaftInvestor
Sat May 23, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: Hertz is declaring bankruptcy
Replies: 62
Views: 5628

Re: Hertz is declaring bankruptcy

Refund? Did you pre-pay?
by DaftInvestor
Thu May 21, 2020 3:24 pm
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 84
Views: 5690

Re: Discarding Music CDs

Years ago I bought 5 books which hold 100 CDs each. Threw away all the jewel cases and put all the CDs in the books - they don't take up much space on the shelf. There is a chance that some day I may not be able to find a favorite artist/song/album on spotify and may want to go back to the CD (most ...
by DaftInvestor
Thu May 21, 2020 3:18 pm
Forum: Personal Investments
Topic: Assuming we start paying banks to hold our money (in the US)
Replies: 50
Views: 4036

Re: Assuming we start paying banks to hold our money (in the US)

I don't believe it will happen. If it does - perhaps its the brick-and-mortar and large banks that charge the negative rates but the High-Yield On-line accounts (Marcus, Synchrony, Barclays) hold at or above zero.
by DaftInvestor
Thu May 21, 2020 3:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 20852

Re: Vanguard brokerage account transition

There is lots of pain Vanguard can make to insist people move. They could add fees, they could add very restricted activity such as transfer only (no buy/sell/etc). But it doesn't really matter. It's coming. Okay - but right now none of this pain exists. There is more pain with switching so why wou...
by DaftInvestor
Thu May 21, 2020 2:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 20852

Re: Vanguard brokerage account transition

It's one thing to complain about a transition (about 4 pages worth) but I hope everyone is now creating a plan for how to deal with the platform that will be ending. You either change now (and get used to the minor inconveniences) or hold out and make it more and more painful on yourself to where e...
by DaftInvestor
Thu May 21, 2020 1:58 pm
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3394

Re: Do you dislike recurring billing for gyms?

My spouse set up auto-pay to a gym directly from our banking account. After she quit it took us months to finally get them to stop billing us. Each month they told her she was canceled and we wouldn't see another charge and then ANOTHER CHARGE POPPED UP. We tried to recoup the extra months but event...
by DaftInvestor
Thu May 21, 2020 1:47 pm
Forum: Personal Consumer Issues
Topic: Can I afford to buy an expensive guitar?
Replies: 34
Views: 1285

Re: Can I afford to buy an expensive guitar?

When I saw the title of the thread I was thinking you must be looking at something in the $10,000 range. But in any case - if it were me at your income level and lack of home-ownership and debt - I'd keep playing whatever it is you currently have (or get a used Ovation as Jack mentioned) until you h...
by DaftInvestor
Thu May 21, 2020 1:36 pm
Forum: Personal Investments
Topic: Chasing Individual Stocks
Replies: 45
Views: 2346

Re: Chasing Individual Stocks

You highlight one of the reasons I got out of individual stocks decades ago: all the research became a second job for me.
by DaftInvestor
Thu May 21, 2020 1:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 20852

Re: Vanguard brokerage account transition

... Right now I auto-reinvest by funneling all the dividends/gains from all my MF's into a single MF (keeps me auto reinvesting without having too many tax lots for the funds I TLH). In one of the many threads on this topic someone said that with the brokerage account auto-reinvestment only allowed...
by DaftInvestor
Thu May 21, 2020 12:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 20852

Re: Vanguard brokerage account transition

Let's flip it around. What is YOUR reason NOT to move? If you don't have a strong reason not to, why not do it to assist with an obvious asset manager priority, be on the selected platform for the future, and generally be agreeable? Because there are many downsides as shown in the posts above? This...
by DaftInvestor
Wed May 20, 2020 1:46 pm
Forum: Personal Investments
Topic: $15,000 bonus
Replies: 20
Views: 2738

Re: $15,000 bonus

Taxable if you want "flexibility" and want to pay taxes. 529 if you really want to fund education and want 20+ years of tax-free growth (There is a HUGE tax break in EVERY state - even those without a deduction for deposits - tax-free growth of your money over many years :) ). Per 10k; lets say I m...
by DaftInvestor
Wed May 20, 2020 8:25 am
Forum: Personal Investments
Topic: $15,000 bonus
Replies: 20
Views: 2738

Re: $15,000 bonus

Taxable if you want "flexibility" and want to pay taxes. 529 if you really want to fund education and want 20+ years of tax-free growth (There is a HUGE tax break in EVERY state - even those without a deduction for deposits - tax-free growth of your money over many years :) ).
by DaftInvestor
Fri May 15, 2020 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Small businesses stopping employees from getting Pandemic payments?
Replies: 54
Views: 3330

Re: Small businesses stopping employees from getting Pandemic payments?

Thank you all for the responses! Of course he can't collect Unemployment if he has been returned to work after a furlough. Why would he be eligible? Rather than stating it sucks for the relative to receive less for getting paid for a job again (even though he doesn't need to go in) - you should be ...
by DaftInvestor
Thu May 14, 2020 2:29 pm
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 4690

Re: Peloton Treadmill: Anyone here own one..,,

UALflyer, The Sole F80 is a good quality treadmill, we looked at it during our treadmill research. And you are correct, the Landice L7 does have a smaller belt, and it is recommended for individuals under 6ft 3”; I am nowhere close to that 😀. For anyone over that height, Landice has the L8 with the...
by DaftInvestor
Wed May 13, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10750

Re: Dentist charges $10 for PPE

Normally the PPE required for a dental visit is not as rigorous as what is required for a somewhat highly contagious virus. There are increased costs due to the extra PPE. One could always ask for the dentist to use the minimum. You can ask but the answer would be No - the PPE they are using is the...
by DaftInvestor
Wed May 13, 2020 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Small businesses stopping employees from getting Pandemic payments?
Replies: 54
Views: 3330

Re: Small businesses stopping employees from getting Pandemic payments?

Of course he can't collect Unemployment if he has been returned to work after a furlough. Why would he be eligible? Rather than stating it sucks for the relative to receive less for getting paid for a job again (even though he doesn't need to go in) - you should be looking at how lucky the relative ...
by DaftInvestor
Wed May 13, 2020 2:21 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10750

Re: Dentist charges $10 for PPE

Interesting. I wonder if some restaurants, barbers, etc. will start adding a PPE Surcharge.
by DaftInvestor
Wed May 13, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3144

Re: Is it worth buying an infant car seat for each car.

It takes quite a bit of time to correctly install a child seat so we absolutely had them for each car.
More folks than not don't install them correctly which is why they don't mind moving them between cars.
by DaftInvestor
Wed May 13, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Should you include home equity in Net Worth?
Replies: 160
Views: 7592

Re: Should you include home equity in Net Worth?

I love Bogleheads but when I come hear I seem to suffer a lot of Deja Vu for some reason....
by DaftInvestor
Fri May 08, 2020 5:22 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5584
Views: 478929

Re: U.S. stocks continue to soar!

Kookaburra Think about the absurdity of this scenario. The last time unemployment was this high, we were going into the Great Depression and the market was headed down to the tune of an 80+% drop and a down market that would last for years. What’s the difference? The Fed, and it’s unspoken 3rd mand...
by DaftInvestor
Thu May 07, 2020 9:26 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5584
Views: 478929

Re: U.S. stocks continue to soar!

Kookaburra Think about the absurdity of this scenario. The last time unemployment was this high, we were going into the Great Depression and the market was headed down to the tune of an 80+% drop and a down market that would last for years. What’s the difference? The Fed, and it’s unspoken 3rd mand...
by DaftInvestor
Thu May 07, 2020 9:22 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5584
Views: 478929

Re: U.S. stocks continue to soar!

Just saw a headline "Stocks rise despite Grim Jobless claims".
I suppose things were expected to be worse.
by DaftInvestor
Wed May 06, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: Earpod/headset - PC and Phone
Replies: 10
Views: 351

Re: Earpod/headset - PC and Phone

^^ Rather than airpods you can go with Samsung Galaxy Buds. They actually isolate noise far better than airpods because of the tighter seal they provide in your ear. They are also slightly cheaper than the airpods. There are also many other brands to choose from (and nearly ALL of them are cheaper t...
by DaftInvestor
Wed May 06, 2020 10:06 am
Forum: Investing - Theory, News & General
Topic: Why do investors care when the market goes down?
Replies: 47
Views: 1756

Re: Why do investors care when the market goes down?

Even if I know I don't need the money now, and am pretty sure it will come back before I do, it is still disheartening to see ones account values drop by thousand or tens-of-thousands or hundreds-of-thousands of dollars. It equates to a lot of days, weeks, months, or years of hard work.
by DaftInvestor
Wed May 06, 2020 10:03 am
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4405

Re: 2020 travel plans

We have canceled all plans for the year with one exception - we have a driving trip planned to the coast whereby we are renting a house in a small town and have private water access. Thus we will still be isolated - will see if we can go out to eat or end up cooking all food in. If we had to fly I p...
by DaftInvestor
Wed May 06, 2020 9:59 am
Forum: Investing - Theory, News & General
Topic: All my friends are outperforming index funds
Replies: 122
Views: 11142

Re: All my friends are outperforming index funds

All of my friends beat the market too - at least that's what they claim if it comes up in conversation (with some selective stock picks). It reminds me of driving abilities - do you think you are an above-average driver? Of course you do! Ninety percent of drivers think they are better than the aver...
by DaftInvestor
Fri May 01, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: College Grad Gift Ideas
Replies: 18
Views: 963

Re: College Grad Gift Ideas

I would have said tickets for a cruise but ...
by DaftInvestor
Thu Apr 30, 2020 12:24 pm
Forum: US Chapters
Topic: What is a Boglehead? Some Fun.
Replies: 53
Views: 2862

Re: What is a Boglehead? Some Fun.

Someone who spends too much time in an online forum debating the merits of used versus new cars; debating luxury versus cheap watches; and admonishing anyone who dares mention they are timing the market.
by DaftInvestor
Wed Apr 29, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Highlander or RAV4
Replies: 57
Views: 3245

Re: Highlander or RAV4

The new (as of 2019) RAV4 design feels much larger than old models.
We went Rav4 over Highlander for the following reasons:
1) Gas Mileage
2) Rav4 is big enough for our needs
3) No need for 3rd row - seems like wasted space/weight

I personally like the look of Rav4 now - almost Jeep-like.
by DaftInvestor
Wed Apr 29, 2020 10:04 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5584
Views: 478929

Re: U.S. stocks continue to soar!

Pretty simple to skip it. You just don't push the button. Threads devoted to daily market ups and downs are anti-Boglehead :) There are lots of anti-Boglehead threads/posts here lately. Contrarian views offer debates and things to talk about. If everyone set a 3 fund portfolio up and didn't peek th...
by DaftInvestor
Tue Apr 28, 2020 3:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5584
Views: 478929

Re: U.S. stocks continue to soar!

Pretty simple to skip it. You just don't push the button. Threads devoted to daily market ups and downs are anti-Boglehead :) There are lots of anti-Boglehead threads/posts here lately. Contrarian views offer debates and things to talk about. If everyone set a 3 fund portfolio up and didn't peek th...
by DaftInvestor
Tue Apr 28, 2020 3:20 pm
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 110
Views: 9272

Re: Anyone wish they would have invested more during recent downturn?

If only. . . I'd have bought $500,000 of Total Stock on March 20, 2020 . . . . . If only . . . I'd have sold 2 mil. of Total Stock on February 20, 2020 . . . . If only . . . I'd have kissed Cathleen Miyoshiro at that 8th grade dance in the Winter of 1967 . . . :shock: Coulda', Shoulda', Woulda', . ...
by DaftInvestor
Mon Apr 27, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle - delivery
Replies: 19
Views: 1723

Re: Side Hustle - delivery

I'd start with your local liquor stores (or liquor super-stores if you have them). I ordered "delivery" from mine. They showed up in a company van (e.g. not driving own vehicle) and had to delivery alcohol and verify legal age (e.g. I assume they pay more than food delivery since there is more respo...
by DaftInvestor
Mon Apr 27, 2020 2:37 pm
Forum: Personal Investments
Topic: Ally, Synchrony or Barclays for Online Savings Account
Replies: 12
Views: 1147

Re: Ally, Synchrony or Barclays for Online Savings Account

I've had Ally, Synchrony and Marcus - I have settled on Marcus for two reasons:
- Higher Interest Rate (it has been consistently higher than Ally over the years - although by only a sliver; always higher or same as Synchrony)
- Always 1-day ACH transfers (Both Ally and Synchrony can take 3 days).
by DaftInvestor
Fri Apr 24, 2020 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Outgoing transfer times from Ally Bank
Replies: 6
Views: 352

Re: Outgoing transfer times from Ally Bank

One of the reasons I moved away from Ally was the 3 day ACH. I have heard others say 1 day - but for me - they were always 3.
I have the bulk now at GS-Bank/Marcus - ACH transfers always take 1 day from Marcus (at least in my experience).
by DaftInvestor
Thu Apr 23, 2020 11:14 am
Forum: Personal Investments
Topic: How are the "100% Stocks" people doing?
Replies: 137
Views: 11383

Re: How are the "100% Stocks" people doing?

Pretty sure you weren't quoted in my post. I was responding to Soundwave, letting him know to expect a "Nobody is really 100% Stocks" reply every time there is a 100% stocks post. It has never failed in my 5+ years on the board. I've even been grilled as to whether I was buying a house and could I ...
by DaftInvestor
Thu Apr 23, 2020 11:10 am
Forum: Personal Consumer Issues
Topic: Zoom meetings
Replies: 39
Views: 3134

Re: Zoom meetings

go_mets wrote:
Thu Apr 23, 2020 10:05 am

Are the meeting IDs the same from week to week?
With the Paid-For version I can either use the same ID week-to-week (My Personal-Room) or set up a new one. So it can work either way.
Not sure if the free version is any different.
by DaftInvestor
Thu Apr 23, 2020 10:55 am
Forum: Personal Investments
Topic: How are the "100% Stocks" people doing?
Replies: 137
Views: 11383

Re: How are the "100% Stocks" people doing?

I often wonder what percent of 100% stock investors are really more like 90/10 or even 80/20 stock/cash investors most of the time :!: I am 100% stocks with 76% of my portfolio. Another 21% I am 100% bonds and 3% I am 100% cash. Sounds ridiculous but I believe that many of the "100% equity" investo...
by DaftInvestor
Thu Apr 23, 2020 9:49 am
Forum: Personal Investments
Topic: How are the "100% Stocks" people doing?
Replies: 137
Views: 11383

Re: How are the "100% Stocks" people doing?

I'm still 100% stocks and bought more when stocks dropped :confused If you were already 100% how could you buy more? I’m 100% stocks too not including my savings.. Oh - I can play too: "And I am 100% stocks too not including my bonds..." :) Seems too complicated. Why would anyone include cash in th...
by DaftInvestor
Thu Apr 23, 2020 7:16 am
Forum: Personal Investments
Topic: How are the "100% Stocks" people doing?
Replies: 137
Views: 11383

Re: How are the "100% Stocks" people doing?

:confused If you were already 100% how could you buy more? I often wonder what percent of 100% stock investors are really more like 90/10 or even 80/20 stock/cash investors most of the time :!: I am 100% stocks with 76% of my portfolio. Another 21% I am 100% bonds and 3% I am 100% cash. Sounds ridi...
by DaftInvestor
Wed Apr 22, 2020 8:53 pm
Forum: Personal Investments
Topic: How are the "100% Stocks" people doing?
Replies: 137
Views: 11383

Re: How are the "100% Stocks" people doing?

jb1 wrote:
Wed Apr 22, 2020 8:47 pm
DaftInvestor wrote:
Wed Apr 22, 2020 3:10 pm
spottedchococow wrote:
Wed Apr 22, 2020 3:06 pm
I'm still 100% stocks and bought more when stocks dropped
:confused If you were already 100% how could you buy more?
I’m 100% stocks too not including my savings..
Oh - I can play too:
"And I am 100% stocks too not including my bonds..."
:)
by DaftInvestor
Wed Apr 22, 2020 3:10 pm
Forum: Personal Investments
Topic: How are the "100% Stocks" people doing?
Replies: 137
Views: 11383

Re: How are the "100% Stocks" people doing?

spottedchococow wrote:
Wed Apr 22, 2020 3:06 pm
I'm still 100% stocks and bought more when stocks dropped
:confused If you were already 100% how could you buy more?
by DaftInvestor
Wed Apr 22, 2020 1:18 pm
Forum: Personal Consumer Issues
Topic: Anybody here pay less than $40 a month for home internet and with what company?
Replies: 62
Views: 4236

Re: Anybody here pay less than $40 a month for home internet and with what company?

We pay $30 per month for 1 Gbps (Down and UP) service from Verizon FIOS.

if you don't believe me I can show you the bill (I will hide the part of the bill that shows we also have TV and phone service - the old triple-play we keep singing up for to get the deal).
by DaftInvestor
Wed Apr 22, 2020 1:10 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

Many of the people I've been speaking with are very clear that when lockdowns are relaxed, they will not be quickly returning to their former activities. Attending large gatherings of people will be questioned. Traveling, especially on planes (forget cruises), will be curtailed. Much discretionary ...
by DaftInvestor
Wed Apr 22, 2020 12:18 pm
Forum: Investing - Theory, News & General
Topic: Are you comfortable with your emergency fund arrangements?
Replies: 44
Views: 3480

Re: Are you comfortable with your emergency fund arrangements?

I managed to resist the urge to invest my emergency funds into the market a few weeks ago so I am still comfortable. I also have a backup of iBonds that could be used in a pinch should we suffer a prolonged market downturn combined with unemployment. All 4 cars and house are paid for which provides ...
by DaftInvestor
Wed Apr 22, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Advice on buying a weekend car [UPDATE]
Replies: 90
Views: 4354

Re: Advice on buying a weekend car

Many conservative versus "have fun while you can" views already shared/expressed. Part of the decision for me would be how secure I felt in my job given the current situation. Key question is: If there are secondary COVID spikes causing Fall shutdowns - or the current shutdowns linger on - is there ...
by DaftInvestor
Tue Apr 21, 2020 12:41 pm
Forum: Investing - Theory, News & General
Topic: whos' just about had it w/ SCV ?
Replies: 263
Views: 16394

Re: whos' just about had it w/ SCV ?

I read the start of this thread and didn't expect a "5 Year" comparison to turn into 5 pages of discussion. I thought the whole point of Tilting / Factor-Investing / (insert-term-here) was to stick in for the long run - 30 years or so. Doesn't a 5-Year comparison miss the whole point of investing wi...
by DaftInvestor
Tue Apr 21, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three to
Replies: 131
Views: 6153

Re: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three

Camry without a doubt. But it's really personal preference - Corolla's really seem cramped to me and I am not a big fan for the Prius (plus its also pretty small).