Search found 3977 matches

by DaftInvestor
Tue Sep 25, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 18
Views: 650

Re: How to buy a mattress

First - consider that you spend up to one third of your life sleeping (and maybe doing other activities) on your mattress. I have traveled a lot on business in the last 30 years. The only reason I stay at nicer hotels is because they tend to have better mattresses. Good mattress = good night sleep B...
by DaftInvestor
Thu Sep 13, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 50
Views: 2458

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

Thanks for the detailed response. So someone above mentioned a "Skype $71" plan that would allow unlimited phone calls back to the US for free (over data). BUT, if I understand Google-Voice, you can get a free US number (I did this last night to try it out) and then use that number from Europe (pro...
by DaftInvestor
Thu Sep 13, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 61
Views: 4109

Re: Fidelity, Schwab, or Vanguard

I've got accounts at all three (IRA at Fidelity, Current 401K at Schwab, taxable at Vanguard). I like the idea of taxable at Vanguard and tax-advantaged at Fidelity or Schwab (for reasons mentioned by others). If I had to pick one I'd go with Fidelity. $0 Expense Ratio funds, $0 minimums. Both Fidel...
by DaftInvestor
Thu Sep 13, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2851

Re: Do you use social media to enhance your travel experience?

Sadly - 40% of folks under 33 prioritize ‘Instagrammability’ when choosing their next vacation spot. (Reference: https://www.forbes.com/sites/andrewarnold/2018/01/24/heres-how-much-instagram-likes-influence-millennials-choice-of-travel-destinations/) Very sad.....folks planning based upon what they ...
by DaftInvestor
Tue Sep 11, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4509

Re: How much do bogleheads save in 529?

... The other extreme will be 0. Both are valid choices. It all depends on your personal financial circumenstances and your view on college educations. ... Everyone will make guesses. I am sure someone will guess right 0 Equipped my kids to be able to afford to pay their own way: Roths (since age 1...
by DaftInvestor
Tue Sep 11, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: basic 529 questions for a friend's new born
Replies: 5
Views: 535

Re: basic 529 questions for a friend's new born

If your relatively sure you want to use the funds for education a 529 plan is the way to go. Your money can grow TAX-FREE for 20+ years. The downside is if you don't use the money for education of someone you will pay a 10% earnings + income taxes on the earnings. So you need to weigh the risk that ...
by DaftInvestor
Tue Sep 11, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8142

Re: Can Sneakers go with Business Casual?

No.

Sneakers = Casual
Sneaker != Business Casual
by DaftInvestor
Sun Sep 09, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Good photo book printer for image quality
Replies: 24
Views: 1515

Re: Good photo book printer for image quality

The paper and printing at MPix feel and look better than other photo books, and several people have told me they switched after seeing our books. https://www.mpix.com/ Before I started using Blurb I used Mpix for several photo books. One book arrived with streaks across the pages. To their credit, ...
by DaftInvestor
Sun Sep 09, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4509

Re: How much do bogleheads save in 529?

Save up to 4-years in-state tuition+room/board without sacrificing retirement savings.
This is what I did and now I am enjoying paying for college with money that has grown tax-free for 20+ years - 529 has saved me thousands in taxes.
by DaftInvestor
Tue Sep 04, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 9858

Re: Max you should invest in a 529?

I planned out enough to put each child through 4 years of in-state tuition along with room and board. As the second approached college I put some additional funds into CDs rather than overfund 529s. I do somewhat regret doing this and wish I just dropped that money, as well, into 529s (would have sa...
by DaftInvestor
Fri Aug 31, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: Are CDs considered an investment?
Replies: 75
Views: 3968

Re: Are CDs considered an investment?

toe-may-toe toe-mah-toe

... and I don't care if I can't remember what the "A" in IRA stands for either ....
:happy
by DaftInvestor
Fri Aug 31, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: New, pseudo unlocked phones on Ebay
Replies: 14
Views: 994

Re: New, pseudo unlocked phones on Ebay

Yes, I subsequently saw in some of the reviews on walmart that people said they bought an unlock code on Ebay for $2 or so. That was then. Apparently Verizon has plugged that hole. Also from some things I read, it appears that even if unlocked the Verizon models may still block some of the LTE chan...
by DaftInvestor
Fri Aug 31, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Credit report question - expunging invalid derogatory marks
Replies: 10
Views: 972

Re: Credit report question - expunging invalid derogatory marks

What's her credit score?? There may be no impact to her score and if she applies for a loan they might explain the simple explanation.
by DaftInvestor
Fri Aug 31, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7606

Re: I want to pry my friend away from Edward Jones

OK, thank you all for your responses and advice. I will tread carefully here. I like the idea of giving her The Coffeehouse Investor and/or The Little Book of Common Sense Investing . (I'll have to read the latter first, I haven't read it yet). I'll just say, "These books explain the general approa...
by DaftInvestor
Fri Aug 31, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: New, pseudo unlocked phones on Ebay
Replies: 14
Views: 994

Re: New, pseudo unlocked phones on Ebay

Even for truly unlocked phones - some may or may not support a particular carrier - might not support both GSM and CDMA - or support the necessary frequencies. At least that's what I've read. Even Non-knock-off phones can have this issue. For instance - I always thought all unlocked iPhone6's were c...
by DaftInvestor
Fri Aug 31, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: PSA: Free Sirius/XM Broadcasting through Sept 10
Replies: 19
Views: 1758

Re: PSA: Free Sirius/XM Broadcasting through Sept 10

I'd pay $5 a month if I could lock in long term for the news, but not much more. Got tired or doing the 5 month promos. Same here. And I'd be willing to pay it all up front for 3 or 4 years. 8 or so years ago when I first bought in I got some kind of good 3-year price and paid it all up front. Of c...
by DaftInvestor
Fri Aug 31, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 285
Views: 27648

Re: U.S. stocks continue to soar!

ruralavalon wrote:
Fri Aug 31, 2018 2:45 pm
This is just a vote for the"soar" thread :) .
+1 8-)

:sharebeer

:moneybag :moneybag :moneybag :moneybag :moneybag
:dollar :dollar :dollar :dollar :dollar
:greedy :greedy :greedy :greedy :greedy
by DaftInvestor
Fri Aug 31, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with Acorns (spare change investing)
Replies: 6
Views: 494

Re: Anyone familiar with Acorns (spare change investing)

Agree with other - its silly marketing.
Figure out how much extra you want to invest monthly. Open an account at Fidelity and add monthly to FZROX (Fidelity ZERO Total Market Index) - a zero Expense-Ratio Fund. Vanguard and Schwab are also good choices for Index Mutual Funds or ETFs.
by DaftInvestor
Fri Aug 31, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Best Checking Account?
Replies: 45
Views: 2766

Re: Best Checking Account?

If you want brick and mortar check out local Credit Unions and local Regional Banks. I have found they aren't as fee-greedy as all the big banks.
by DaftInvestor
Thu Aug 30, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: What do you order for drinks at wedding?
Replies: 12
Views: 1044

Re: What do you order for drinks at wedding?

For a wedding in the summer its Gin and Club-Soda (Tonic is too sweet for me these days) with a slice of lime.
I don't usually ask for a doulbe but rather tell them to go light on the Club-Soda - usually I get a double or triple by saying that (last weekend it was half-and-half).
by DaftInvestor
Tue Aug 28, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 285
Views: 27648

Re: U.S. stocks continue to soar!

A MUCH better headline to look at than the "Freefall" headline!

:sharebeer

I did recently re-balance into International and Bonds to get my numbers back to targets. If the market drops I can just re-balance again and take advantage of some lower prices.
by DaftInvestor
Tue Aug 28, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 50
Views: 2458

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

- I recommend using both GV/Hangouts and Whatsapp with a local SIM. She will have a US #, a local # and WhatsApp. That covers all bases. Thanks for the detailed response. So someone above mentioned a "Skype $71" plan that would allow unlimited phone calls back to the US for free (over data). BUT, i...
by DaftInvestor
Tue Aug 28, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Wills and children
Replies: 25
Views: 2869

Re: Wills and children

My recommendation is to set up a Trust and have the money managed out of the Trust by someone your trust. We have our will structured so our guardian is NOT the same person in charge of the family trust ("Special Trustee") and NEITHER is one of our children. No money passes to any children - gets h...
by DaftInvestor
Mon Aug 27, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Wills and children
Replies: 25
Views: 2869

Re: Wills and children

My recommendation is to set up a Trust and have the money managed out of the Trust by someone your trust. We have our will structured so our guardian is NOT the same person in charge of the family trust ("Special Trustee") and NEITHER is one of our children. No money passes to any children - gets he...
by DaftInvestor
Mon Aug 27, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 50
Views: 2458

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

I travel international a lot and this is what I would recommend: 1. Stay with Verizon (or your current carrier, since that doesn't matter) 2. Install an App called WhatsApp. Amazing texting, voice, and video. Everybody in the family will need WhatsApp 3. Buy a local SIM so she has a phone for local...
by DaftInvestor
Fri Aug 24, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 50
Views: 2458

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

jminv - She will be in Salzburg, Austria - but might make some weekend train trips to Germany and other nearby countries. She has decided to bring her iPhone6 and find a place to swap the SIM card out when she gets there (seems everyone is saying that's the best option). If you know of a particular...
by DaftInvestor
Fri Aug 24, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 50
Views: 2458

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

Where in Europe is she studying? Could give you better advice on a plan if I knew. You both need to install WhatsApp and she and you can text, send each other pictures and videos, and talk as much as you like for free. She can use it on cellular and WiFi where she’s living if she’s data constrained...
by DaftInvestor
Fri Aug 24, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7767

Re: I still use cash not credit cards should I reconsider?

If you are concerned about being undisciplined then don't use it. If you believe you would still be disciplined you would gain ($400*4*0.02=) $32 monthly in cashback if you were using credit cards (provided you use a 2% cashback card like the DoubleCash from Citi card) and then you would not have to...
by DaftInvestor
Thu Aug 23, 2018 8:27 am
Forum: Forum Issues and Administration
Topic: Rating system for posts/posters ?
Replies: 60
Views: 2590

Re: Rating system for posts/posters ?

And on the other hand you have pretty useless chaps who are a huge time sink at best. Huge time sync? When you see the big goofy smiley face with the dollar-sign eyes you can quickly know its one of the responses not to read if you find me to be a useless chap. You mentioned some of your favorite p...
by DaftInvestor
Wed Aug 22, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Cell phone insurance
Replies: 25
Views: 1897

Re: Cell phone insurance

$9 a month is $108 a year. If you the glass every 2 years it costs less than the insurance to repair. Even if you have the work done at Apple I believe the cost is only $100 or $150. I have always self-insured phones. Over the last several years, with a family of 4, I paid two have 2 screens replace...
by DaftInvestor
Wed Aug 22, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: relationship issues - advise needed
Replies: 51
Views: 4149

Re: relationship issues - advise needed

In addition to checking with your insurance for a good councilor, if you belong to a church, check with your priest/minister/pastor/rabbi/whatever. If the situation is very tough it might be worth getting THREE councilors (sounds crazy but this is what is often recommended). 1 as your private counci...
by DaftInvestor
Wed Aug 22, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do Universities "Bait and Switch" Financial Aid?
Replies: 16
Views: 1436

Re: Do Universities "Bait and Switch" Financial Aid?

My daughter's scholarship (merit not need based) is good for four years - the only caveat is her GPA has to stay up. Similarly for some of her friends and two of my nieces - they were all four year merit scholarship offers. Need based aid is a different story - that is certainly determined on a year...
by DaftInvestor
Wed Aug 22, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Varying college costs across kids in the same family
Replies: 92
Views: 5189

Re: Varying college costs across kids in the same family

Personally I set no hard/fast rules which others here seem to do. Our general statement was we'd help them through college and let's discuss what hte options are. I certainly didn't provide an "incentive" for any child to choose a cheaper option. I certainly did discuss all their options with them a...
by DaftInvestor
Wed Aug 22, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: FTIPX vs FZILX - stay or switch (ZERO fund)
Replies: 6
Views: 689

Re: FTIPX vs FZILX - stay or switch (ZERO fund)

I've been contemplating same.
I decided to stick a toe in the water by sliding a small amount over. (in an IRA so no tax concerns).
by DaftInvestor
Wed Aug 22, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10405

Re: I own 1,387 items!

A person has 14 rolls of pennies, each penny is an item, how many items do I have? If these are 50-cent rolls, you have 14 x 50 + 14 (containers) = 714 items. You have 14 x $0.50 = $7 worth of pennies. If you exchange your pennies for dollars, you will have 7 x 1 + 0 (no containers) = 7 items. You ...
by DaftInvestor
Wed Aug 22, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - again
Replies: 34
Views: 2754

Re: Umbrella insurance - again

The numbers look reasonable to me. I pay about $450 for $1 million but I get dinged on extra cars, dogs, young drivers, and a pool. Interestingly enough a few years ago I went through the process of getting my home-owners+Umbrella requoted. The home-owners varied greatly (+/- 40% from high to low) b...
by DaftInvestor
Wed Aug 22, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 4952

Re: Is divorce a wise financial move?

) You can save $1500 in a multitude of ways that are orders of magnitude simpler than getting a divorce. This isn't an either/or proposition. The fact that I can and have saved money by continuing to drive my car for almost two decades now has no bearing on the unrelated tax consequences of marriag...
by DaftInvestor
Wed Aug 22, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 4952

Re: Is divorce a wise financial move?

you may not be able to accomplish the divorce without perjuring yourself. Obviously, I don't know what state you are in and the laws vary but as a general matter you are supposed to live separate and apart during the divorce process in many states. While several states permit you to still live in t...
by DaftInvestor
Wed Aug 22, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10405

Re: I own 1,387 items!

While I'm not a minimalist (probably have 10's of thousands of items but no issue with it) you did give me an idea: Limit the kids to a pre-set number of items for moving them back to college!
by DaftInvestor
Mon Aug 20, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card to Pay off Overpayment of Student Debt
Replies: 18
Views: 1574

Re: Credit Card to Pay off Overpayment of Student Debt

Clarice wrote:
Fri Aug 17, 2018 11:18 am


Yes, I would make sure to pay it off before the introductory 0% teaser period ends.
Any chance that something happens where you can't (job loss, etc.)? Sometimes these deals look good but require some minimum payment - miss one payment and now your are paying 24% versus the 4% you had.
by DaftInvestor
Mon Aug 20, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12227

Re: Excessive Emergency Room Charges - Options?

I know I will pay my bills as I always have. I was just upset that Billing Services was not willing to work with me on reducing what seemed like and likely are exorbitant charges. When I asked about monthly payments, she did not offer me anything more than 6 equal payments. As they will not report ...
by DaftInvestor
Mon Aug 20, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12227

Re: Excessive Emergency Room Charges - Options?

Don’t pick a high deductible health plan if you are going to be upset when you have to pay that deductible. My wife and I have an $8000 deductible, $12,000 out of pocket max. I do that because I save roughly $7000/yr on premiums vs my employers copay insurance plan. Seems like a good tradeoff to me...
by DaftInvestor
Mon Aug 20, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Is a million really the benchmark for retirement
Replies: 109
Views: 11928

Re: Is a million really the benchmark for retirement

Focus on your expenses and goals. If you get to $800K and withdrawl at 4% you will be getting $32,000 a year - is this enough for you IN ADDITION TO SOCIAL SECURITY to cover all your expenses? If you don't know what you will be getting for social security then you should check. If you don't know you...
by DaftInvestor
Mon Aug 20, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: San Diego - where to stay, what to do with 6 year old
Replies: 30
Views: 2128

Re: San Diego - where to stay, what to do with 6 year old

In my opinion 1 day at each of the places you mention is enough (1 Day SeaWorld, 1 Day LegoLand, 1 Day San Diego Zoo, 1 Day San Diego Wild Animal Park). With a 6 year old I would add a low-key day in between - hit a beach for a couple of hours and take it a little slower. If I were to drop one of th...
by DaftInvestor
Mon Aug 20, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12227

Re: Excessive Emergency Room Charges - Options?

If the amounts match up with your insurance coverage plan and EOB agreements then you should pay them. If you can't afford to pay them, then there is usually a procedure you can follow for a payment plan (sounds like the hospital already mentioned this - provided your income is low enough it sounds ...
by DaftInvestor
Mon Aug 20, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7623

Re: Reckless driving ticket in VA-Help!

Takeaways: 1. Be courteous 2. Apologize and don't make excuses 3. I am thankful to live in a state without a fully criminalized traffic code and where cops have better things to do. As someone who knows folks who have died to reckless driving and who doesn't want to die or have their kids die in a ...
by DaftInvestor
Mon Aug 20, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7623

Re: Reckless driving ticket in VA-Help!

Takeaways: 1. Be courteous 2. Apologize and don't make excuses 3. I am thankful to live in a state without a fully criminalized traffic code and where cops have better things to do. As someone who knows folks who have died to reckless driving and who doesn't want to die or have their kids die in a ...
by DaftInvestor
Mon Aug 20, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7623

Re: Reckless driving ticket in VA-Help!

The following quote from WalletHub would concern me, along with the fact that VA is one of the strictest for Reckless Driving, and given the OP has a government clearance a criminal record would NOT be good (I like Vitoria's analysis above). Reckless drivers should expect, on average, to spend at le...
by DaftInvestor
Wed Aug 15, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 60
Views: 5102

Re: Bullish/bearish on GE? Make your case here - new lows today

tmcc wrote:
Wed Aug 15, 2018 4:59 pm

the house is always wrong at the top and at the bottom.
Yup - but the only problem you have is you have no idea if this is the bottom.