Search found 3928 matches

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: 57
Views: 4096

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.
by DaftInvestor
Wed Aug 15, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 36
Views: 1609

Re: Where to buy white, athletic fit dress shirt?

Is there a reasonably priced but decent quality online shop that doesn't just size a shirt based upon collar size and sleeve size? Seems like if you could enter a couple more parameters (chest size, shoulder width, waist size) you could get a much better fit. That's why I like TM Lewin. They have 4...
by DaftInvestor
Wed Aug 15, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 36
Views: 1609

Re: Where to buy white, athletic fit dress shirt?

Is there a reasonably priced but decent quality online shop that doesn't just size a shirt based upon collar size and sleeve size?
Seems like if you could enter a couple more parameters (chest size, shoulder width, waist size) you could get a much better fit.
by DaftInvestor
Wed Aug 15, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 36
Views: 1609

Re: Where to buy white, athletic fit dress shirt?

Businesscasual wrote:
Wed Aug 15, 2018 4:27 pm
I am a big fan of TM Lewin fitted non-irons for an athletic build. If you google their competitor "CT Shirts," the top ad will always be $30/shirt and free shipping.
Interesting trick - they are willing to display an add with a discount when you google their competitor...but not them.
by DaftInvestor
Wed Aug 15, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 57
Views: 4499

Re: Men’s Underwear recommendation

Who cares if boxer's last or not? I buy Haynes - I think like 7 pairs for some number of dollars on Amazon. They are comfortable and when they wear I throw them away and buy more. Its not like a suit or a dress shirt as no one sees 'em so who cares what they look like (maybe your lifestyle is differ...
by DaftInvestor
Wed Aug 15, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 36
Views: 1609

Re: Where to buy white, athletic fit dress shirt?

I have similar problems and have been considering custom made shirts. They do make "Slim Fit" shirts but for me, I find them too tight around the shoulders and arms (someone mentioned the Express ones - I'm athletic-build as well - not really slim). There are some "slightly fitted" shirts that aren'...
by DaftInvestor
Wed Aug 15, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 57
Views: 4096

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

https://www.bloomberg.com/view/articles/2018-08-15/ge-stock-slump-no-quick-fix-keeps-bottom-out-of-reach BIG BEAR. They used to be a large diversified company. They have spun off many of their businesses over the years (financial services, etc.) and the business you know them by (Appliances, light-...
by DaftInvestor
Wed Aug 15, 2018 3:23 pm
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 57
Views: 4096

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

BIG BEAR. They used to be a large diversified company. They have spun off many of their businesses over the years (financial services, etc.) and the business you know them by (Appliances, light-bulbs) is getting clobbered by foreign companies (walk into an appliance store and see how many LG, Samsun...
by DaftInvestor
Wed Aug 15, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: College grant ( not loans ) eligibilty
Replies: 21
Views: 839

Re: College grant ( not loans ) eligibilty

The answer is: It's complicated. In almost all cases, if you are confident you will not be eligible for need-based grant aid, there is no need to submit the FAFSA. For a small number of schools (3? 12? I'm not sure. not many) you can't even get merit aid if you don't submit FAFSA. It would be an ou...
by DaftInvestor
Wed Aug 15, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 110
Views: 5405

Re: Take auto loan 0.9% if I can afford cash?

I would (and routinely do) take the loan. Put the money in the bank (1.85% at gsbank - might be better options) and set payments on autopay. Money in the bank.
by DaftInvestor
Wed Aug 15, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4224

Re: Adult piggy bank

Never use cash anymore in a way that generates change. (Still use Bill's for tips when traveling). Back when we did we had a nice piece of pottery next to our closet door and all change went in there. When nearly full we would bring it to the bank and dump it in their change counter. The pottery is ...
by DaftInvestor
Tue Aug 14, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 35
Views: 1077

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

Thanks again for all the responses! We have enough info to dig in now.
I updated my original post so if anyone comes across this in a search they will have all the additional options laid out :)
by DaftInvestor
Tue Aug 14, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Verizon sending me two bills and I can't change my name with them
Replies: 10
Views: 960

Re: Verizon sending me two bills and I can't change my name with them

Personally I'd call them back and insist on staying on the phone with them until they fix the problem. Ask to talk to a manager - after talking to that manager you might get forwarded somewhere else - ask to talk to their manager - they will forward you to yet somewhere else - eventually they should...
by DaftInvestor
Mon Aug 13, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 35
Views: 1077

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

When our DD was in Ecuador, we made do with Whatsapp and Skype. She was given a phone from a friend who had previously been to Ecuador, that's what she used there. It was pay-as-you-go, we never had her on a plan. Obviously, Europe might be different--it's probably easier to get a phone or plan the...
by DaftInvestor
Mon Aug 13, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 35
Views: 1077

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

Our daughter will be in Europe September through December doing a semester studying abroad and wondering what others may have done for connectivity back to parents while studying abroad. If she's going to be gone a semester abroad it's probably a good idea for her to take initiative and start figur...
by DaftInvestor
Mon Aug 13, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 35
Views: 1077

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

I’d check out t-mobile. International roaming is included in your plan. International phone calls are 20 cent per minute to receive and 20 cent + international call rates to make calls. You get 2G data free in many countries, its fast enough to make FaceTime or WhatsApp audio calls when you’re not ...
by DaftInvestor
Mon Aug 13, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 35
Views: 1077

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

In Austria, she can do A1, T-Mobile (AU) or Drei (3). All offer pre-paid cards. EU cards can now be used all over the EU without roaming charges. They may all have offices at the airport near the train (assuming she is coming into Vienna)...or just walk into the shop in downtown Vienna (there will ...
by DaftInvestor
Mon Aug 13, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 35
Views: 1077

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

Our daughter will be in Europe September through December doing a semester studying abroad and wondering what others may have done for connectivity back to parents while studying abroad. If she's going to be gone a semester abroad it's probably a good idea for her to take initiative and start figur...
by DaftInvestor
Mon Aug 13, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 35
Views: 1077

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

Which country? The most reasonable option without a European bank account or a 12 month commitment for most western european countries would be to buy a prepaid sim card every 30 days and call the US with whatsapp or google voice. She is going to school in Austria - but will be visiting Germany and...
by DaftInvestor
Mon Aug 13, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 35
Views: 1077

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

Clark howstd has a guide here https://clark.com/travel/international-cell-phone-guide/ Thanks - helpful. Someone told me of the US carriers, t-Mobile and Sprint have better options/pricing than AT&T and Verizon and this seems to confirm that statement. It also states that some of the local SIMs/Car...
by DaftInvestor
Mon Aug 13, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 35
Views: 1077

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

If you don't still owe Verizon for your phone, you should be able to get it unlocked. If that's the case, a local sim is probably the cheapest option. Your daughter can then call home using Skype very cheaply. Thanks - as per Verizon all iPhones have been SIM unlocked since the iPhone 5 so we shoul...
by DaftInvestor
Mon Aug 13, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 35
Views: 1077

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

(EDIT - UPDATED AGAIN BASED ON SOME VERY HELPFUL RESPONSES). Our daughter will be in Europe September through December doing a semester studying abroad and wondering what others may have done for connectivity back to parents while studying abroad (and data connectivity while in Europe). It seems our...
by DaftInvestor
Mon Aug 13, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: What to ask agent when seeking to cash out of Whole-Life policy?
Replies: 28
Views: 1832

Re: What to ask agent when seeking to cash out of Whole-Life policy?

If i understand it right, you paid $136/month * 12 months * 30 years = $48960 and you get $27000 now? That's likely a higher pay-back than a lot of Whole Life policies! (thus the reason nearly everyone here recommends against them - except one guy who occasionally chimes in who everyone thinks is a...
by DaftInvestor
Mon Aug 13, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can the greedy 'Private Bank' make any money off my index funds?
Replies: 21
Views: 2092

Re: Can the greedy 'Private Bank' make any money off my index funds?

If I'm reading this right: Sounds like you don't trust Private Bank and yet put millions into an account with them (in the form of index funds). Maybe tomorrow they will change their rules such that they will charge you 1% for all funds under their management (regardless of how the funds are investe...
by DaftInvestor
Mon Aug 13, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Experian email alert! "Your score decreased"
Replies: 37
Views: 3202

Re: Experian email alert! "Your score decreased"

I too assume a +/-20 point swing is simply due to how much I have on credit cards any one month. The only time I've seen a drop that didn't come back was when I paid off my mortgage (so now have no term debt type) but since I'm still over 800 and don't plan on taking out any new debt ever again I do...
by DaftInvestor
Mon Aug 13, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Marriott Free Certificate
Replies: 11
Views: 1418

Re: Marriott Free Certificate

If you have a Category 1-5 Marriott property in mind I'd book in now. You can always cancel with 72 hours of arrival and get the certificate back. If your stay is after 8/21 you can effectively redo your redemption without penalty based on info available on 8/18. Is this 72 hr for all hotels, or do...
by DaftInvestor
Mon Aug 13, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor Mandatory?
Replies: 36
Views: 3101

Re: Financial Advisor Mandatory?

How sad your friends can't make a decision on when/what/if for furniture and appliance buying without consulting a Financial Advisor. If it were me, I'd be embarrassed to state this. Its one thing to pay a one-time fee for a Financial Advisor to have him give you advise on how your are doing and may...
by DaftInvestor
Sat Aug 11, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 644
Views: 55065

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Reading through this thread there are a lot of statements/conclusions about the tax-drag of these funds being higher than the loss of the ER (with some pointing to a patent as evidence that it must be so) - and yet no evidence or concrete data appears (at least that I can see) that these funds will...
by DaftInvestor
Sat Aug 11, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 91
Views: 8336

Re: The Bigger Story: Fidelity Expense Ratios

Others have brought up the lower ER not being worth it, however it only takes 2 minutes of mouse clicking to achieve it. Worth it in my opinion. It would take much much longer than 2 minutes to move several accounts from Vanguard to Fidelity, change automated ACH, etc. At a minimum, hours. If it ta...
by DaftInvestor
Sat Aug 11, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 644
Views: 55065

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Reading through this thread there are a lot of statements/conclusions about the tax-drag of these funds being higher than the loss of the ER (with some pointing to a patent as evidence that it must be so) - and yet no evidence or concrete data appears (at least that I can see) that these funds will ...
by DaftInvestor
Fri Aug 10, 2018 6:44 am
Forum: Investing - Theory, News & General
Topic: The Most Googled Money Terms in America
Replies: 16
Views: 2226

Re: The Most Googled Money Terms in America

That looks like "fake news" to me. When you click on the map of the states, each state supposedly has a different financial term that is most searched. Really? Fifty common financial phrases and every state picks a different one? Even Rhode Island, a tiny state doesn't have the same search as one o...
by DaftInvestor
Fri Aug 10, 2018 6:38 am
Forum: Personal Consumer Issues
Topic: Device to listen to while exercising?
Replies: 23
Views: 1650

Re: Device to listen to while exercising?

As someone else mentioned - if you have any kids, nephews, or nieces that are in their late teens or early twenties they may have old iPods they no longer use (as they moved from iPod to iPhone). I have a couple of discarded iPod touches, an iPod shuffle (very small and good for gym), and an old iPo...
by DaftInvestor
Thu Aug 09, 2018 2:54 pm
Forum: Investing - Theory, News & General
Topic: Two voices in my head
Replies: 36
Views: 2764

Re: Two voices in my head

Thank you for your answers, the title was chosen to peak curiosity, so I guess that worked :D You guys are right, the enemy of a good plan is the dream of a perfect plan. And for me I've already learned the biggest enemy to my plan is me, I am disciplined and I can stomach downturns but I have a te...
by DaftInvestor
Thu Aug 09, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14232

Re: Will you pay for your kids' college/graduate education?

Just for fun, I took our state University cost of attendance (rounded) or $30k. Next, I wanted to see how much part time work a kid would need to do to pay this on his own. $30k/$7.25 an hour (my state's minimum wage) = 4138 hours Assume the kid works every single day of the year. So 4138/365 = 11....
by DaftInvestor
Thu Aug 09, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14232

Re: Will you pay for your kids' college/graduate education?

I started this thread because my wife and I had differences on how much to support our kid's higher education (6-10 yrs away). The difference btw us was close to $250k times 2 kids, which would be significant % of our liquid net asset. After reading all your posts, we made a preliminary decision to...
by DaftInvestor
Mon Aug 06, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14232

Re: Will you pay for your kids' college/graduate education?

I'm curious how much will you support your kids. If yes, to what extent? Part of tuition, in-state full tuition, private university tuition, living expenses? Edited again As much as I can afford (which to date has been all of it). When my daughter was trying to decide between going to a $70K a year...
by DaftInvestor
Tue Jul 17, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest 100000?
Replies: 36
Views: 2684

Re: When to invest 100000?

I am 100% sure that a crash (35-50%) is coming. If this statement is true then you are smarter than all of us so why are you asking us this question? You should not only hold this money in cash until the crash happens but you should also cash out anything you have invested and then take all the mon...
by DaftInvestor
Tue Jul 17, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 6891

Re: Families - What's your total annual credit card spend?

So I gather you guys are doing this for the rewards? Do you pay the balance in full each month? Yes. I use credit cards for everything and not just for the rewards. There is also the protection, extended warranties, and most importantly - the convenience. Paying one bill monthly is far easier than ...
by DaftInvestor
Tue Jul 17, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you buy a primary residence?
Replies: 46
Views: 3962

Re: How often do you buy a primary residence?

Most people average about 7 years per home, less on the early ones and more on the later ones. The 7-year average was true back in the 90's (and perhaps up until 2008 afterwhich it started to increase). Depending upon the source - the average I've heard more recently is 11 to 13 years. OP: Your fri...
by DaftInvestor
Mon Jul 16, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Books on Paying for College
Replies: 1
Views: 183

Re: Books on Paying for College

I found Lynn O'Shaughnessy's "The College Solution" helpful although it deals more with acceptance and where your child might be more likely to get merit aid than it does on actual financing options. It clarified a lot of the basics for me (Ivy League's give $0 in merit aid, etc.). $9.99 for Kindle ...
by DaftInvestor
Mon Jul 16, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10169

Re: Amazon Prime Day 2018

Their webisite is having issues - they very nicely keep showing me an ad to see if I want to go see more of the "Dogs of Amazon". Either they are being hacked/DDOS'd or just can't handle the load. They assume showing dog pictures a more pleasure failure method than just stating Sorry without the dog...
by DaftInvestor
Mon Jul 16, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9730

Re: Why own a bed?

They used to give you a metal frame for free with a box spring and mattress purchase - I've got a few of them up in the attic. Now they cost $50 brand new as someone else mentioned (Walmart.com has them for $25. $35 for "Heavy Duty"). No need to spend thousands. Why do I like a bed frame: 1) Gives t...
by DaftInvestor
Fri Jun 29, 2018 12:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 480
Views: 47503

Re: Pulled the trigger and paid off the house today

Well done and congratulations! What is your advice for us young folks who are on the brink of either paying the house off or going for a bigger, nicer home? My family and I live in a home that is a level right below "just right", but we can pay it off in about 4-5 years (before we are 40). We arent...
by DaftInvestor
Fri Jun 29, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: [Do you subscribe to Consumer Reports?]
Replies: 31
Views: 2891

Re: [Do you subscribe to Consumer Reports?]

I no longer subscribe but I have sometimes referenced them when making "certain" decisions. Back when I had a subscription I found they seemed to value Price above quality in many of their ratings. Secondarily - they can't test every item in a certain category so I often found their reviews a bit to...
by DaftInvestor
Fri Jun 29, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Stocks vs. rental property
Replies: 101
Views: 10085

Re: Stocks vs. rental property

Some one mentioned Detroit above - this is another great example of how quickly a real-estate market can change in any give location/city. I laughed recently as I now heard Detroit described as "an up and coming community". It seems like you can pick up the phone and call a real estate agent in abou...
by DaftInvestor
Fri Jun 29, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Stocks vs. rental property
Replies: 101
Views: 10085

Re: Stocks vs. rental property

Same think my mentors were advised in the 1960s, 1970s, 1980s, 1990s, 2000s, and 2010s: "Don't invest in San Diego, San Francisco, San Jose, Honolulu, etc." Guess what? Pick any year or decade until now, those coastal markets have have the BEST RETURNS (cash flow + capital appreciation) in the nati...
by DaftInvestor
Fri Jun 29, 2018 11:48 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 480
Views: 47503

Re: Pulled the trigger and paid off the house today

Congratulations.
Certainly a mortgage pay off party sounds like it is asking for trouble in a number of ways. Not only would I fear the resentment but I would also fear the expectations of others for me to start covering the dinner checks, etc.
by DaftInvestor
Fri Jun 29, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 58
Views: 4837

Re: What is your one favorite Fidelity Fund??

Magellan from the 1980s, under the stewardship of Peter Lynch +1 - had this one for years and it did well (Beat market for many years). I shifted to Contrafund for a number of years and Low-Priced-Stock among a few other active funds that seemed to do well Now I am a Boglehead so only have their in...
by DaftInvestor
Thu Jun 28, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 81
Views: 6770

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

I've been renting houses for decades directly through realtors so was already used to paying these fees AND any state/local taxes prior to AirBnB adding them. Note a hotel will have the taxes as well. In addition to a Cleaning fee and Service Fee, the rental places I went through in the past also re...
by DaftInvestor
Wed Jun 06, 2018 6:32 am
Forum: Personal Consumer Issues
Topic: Why am a getting a Lyft ad whenever I use Google Maps?
Replies: 14
Views: 989

Re: Why am a getting a Lyft ad whenever I use Google Maps?

Google Maps is slowly selling itself out to other corporations. I noticed a few months ago certain landmarks popping up with logos for Subway, Taco Bell, etc. instead of the normal fork icon. Also, noticed that directions now highlight certain landmarks, i.e. turn left past the Subway, turn right a...