Search found 207 matches

by BoglePaul
Thu Oct 31, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: Can one own a Porsche 911 that is not a money pit?
Replies: 78
Views: 10028

Re: Can one own a Porsche 911 that is not a money pit?

Just save up and wait for the next recession. I remember seeing a lot full of used porches at bargain prices 10 years ago. Seems like there is a recession every decade or so.
by BoglePaul
Tue Oct 08, 2019 4:54 am
Forum: Personal Investments
Topic: New investor... Am I crazy?
Replies: 42
Views: 4013

Re: New investor... Am I crazy?

Yes, VWIUX for the bond fund.
by BoglePaul
Mon Oct 07, 2019 3:56 pm
Forum: Personal Investments
Topic: New investor... Am I crazy?
Replies: 42
Views: 4013

Re: New investor... Am I crazy?

1) Funds have very high fees (as mentioned) 2) Some of the funds have a fee to purchase (load) (as mentioned) 3) The funds payout large capital gains distributions every year: (14% for OLGAX in 2018, which is taxed at your high tax bracket) 4) The co-manager of AKREX departed in May (consider a morn...
by BoglePaul
Sat Aug 03, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Ink Pens
Replies: 77
Views: 5086

Re: Ink Pens

Uniball Jetstream for daily use and Pilot Metropolitan for letters and holiday cards.
by BoglePaul
Sun Jul 28, 2019 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Lemonade Insurance
Replies: 7
Views: 2498

Re: Lemonade Insurance

No experience with them, but I like to look at the justified consumer complaint ratio published by many states' insurance comissioners. For CA, unfortunately they don't show up on the automobile list, but they do show up on the homeowner's list. They have more justified complaints than many others:...
by BoglePaul
Sun Jul 28, 2019 6:29 am
Forum: Personal Finance (Not Investing)
Topic: ACH Modernization to begin in late 2019
Replies: 0
Views: 601

ACH Modernization to begin in late 2019

Noticed this article: https://www.frbservices.org/news/fed360/issues/100118/100118-ach-ach-modernization.html Which talks about the Real-Time Gross Settlement (RTGS) platform modernization. Basically, instant ACH transfers that will operate 24 hours per day / 365 days per year. Perhaps this is why V...
by BoglePaul
Tue Jul 16, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Lemonade Insurance
Replies: 7
Views: 2498

Lemonade Insurance

Just curious if anyone has tried Lemonade Auto Insurance? I have had the same mega-cap insurance company for 15+ years and saw an add for Lemonade. I like the idea of an alternative company however I worry about their payouts (such as will they drop me if there is a claim). Any experience out there?
by BoglePaul
Sun Jul 14, 2019 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Add a second job? Trader Joes, Home depot, ???
Replies: 38
Views: 5169

Re: Add a second job? Trader Joes, Home depot, ???

Maybe work for Instacart or another of the gig-economy companies. Then you can work on your schedule.
by BoglePaul
Mon Jul 08, 2019 6:11 pm
Forum: Personal Investments
Topic: Anyone itching to dabble in crypto?
Replies: 46
Views: 3280

Re: Anyone itching to dabble in crypto?

What about when quantum computing comes along and makes all crypto worthless?

PS I remember seeing the value of my baseball cards increase each month along with my net worth in Becket. Now all of the baseball cards are worthless.
by BoglePaul
Sun Jun 23, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 5513

Re: Do you Casino? What do you play? Have you won?

At a casino, I feel like the only thing I could win, is becoming a bigger gambler so I avoid them.
by BoglePaul
Wed Jun 12, 2019 10:17 pm
Forum: Personal Consumer Issues
Topic: Best source for buying Gold Coins
Replies: 55
Views: 4424

Re: Best source for buying Gold Coins

Gold coins? What a burden. Get them silver coins or invest in a 529 plan.
by BoglePaul
Wed Jun 12, 2019 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is a 401K Worth It as a Small Business Owner?
Replies: 24
Views: 1913

Re: Is a 401K Worth It as a Small Business Owner?

401k is pricey and a pain (fees, documents to update, poor service from the fiduciary, payroll mistakes). SEP-IRA is much easier when less than 10 employees.
by BoglePaul
Thu Jun 06, 2019 7:24 pm
Forum: Personal Investments
Topic: How is Merrill Edge?
Replies: 51
Views: 4608

Re: How is Merrill Edge?

It is not Vanguard.
by BoglePaul
Wed Jun 05, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 5259

Re: Company requiring salaried employees to clock in?

Hello all! I work for small manufacturing company and starting next week they are requiring all salaried employees to clock in/clock out. They didn't state a reason why, though I believe its because some people come in late. My first thought was whether it is even legal to do it, but after research...
by BoglePaul
Sat May 25, 2019 8:04 am
Forum: Personal Finance (Not Investing)
Topic: American Express lowered my credit limit
Replies: 61
Views: 5512

Re: American Express lowered my credit limit

This happened in mass during the financial recession. Maybe a sign of things to come?
by BoglePaul
Wed May 15, 2019 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 76
Views: 6740

Re: Buying a "new" car - Advice pls

Consider something newer just to avoid the maintenance. Consider your reasons for the sport purchase. I purchased a used BMW 328xi w/ sport package when I was younger. The sport suspension made the next 8 years of road travel very bumpy / uncomfortable. I immediately regretted the purchase due to th...
by BoglePaul
Tue May 14, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: IRS 2% bounced check fee!!
Replies: 42
Views: 5832

Re: IRS 2% bounced check fee!!

Just an update on this...my IRS account status still reads: We are in the process of updating your account. These updates take at least 2 weeks to complete. My account has had this message for the last three months. I am now paying my estimated taxes and am triple checking everything. Don't ever bou...
by BoglePaul
Tue Apr 16, 2019 6:07 am
Forum: Personal Investments
Topic: Roth IRA forcing bad asset allocation
Replies: 8
Views: 818

Re: Roth IRA forcing bad asset allocation

Myabe save a little less and buy yourself a vacation a new phone and some new clothes. Remember to enjoy earning as much as saving.
by BoglePaul
Sat Apr 13, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: IRS 2% bounced check fee!!
Replies: 42
Views: 5832

Re: IRS 2% bounced check fee!!

Can’t you just send the IRS a check a little bit later for your estimated payments, once your funds have cleared? Or if you are not retired, just increase your withholding, and then you don’t have to do anything? The 2% penalty is just for bouncing a check. It does not matter when the second paymen...
by BoglePaul
Sat Apr 13, 2019 10:37 am
Forum: Personal Investments
Topic: Where to invest $50k, how to wisely invest $50k
Replies: 13
Views: 1793

Re: Where to invest $50k, how to wisely invest $50k

How about:
a) 70% in stocks = $35,000 (VTSAX) domestic stocks (85%) and $5250 (VGTSX) international stocks (15%) – brokerage account
b) 30% in bonds = $15,000 (VCIT and VWITX). $12000 in tIRA (VCIT), remaining $3000 in taxable brokerage account (VWITX)

The 2019 rIRA limit is $6k per person.
by BoglePaul
Tue Apr 09, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: IRS 2% bounced check fee!!
Replies: 42
Views: 5832

Re: IRS 2% bounced check fee!!

Unless it was a bank error of sorts (sounds like it was NOT) since you made the mistake and wrote a bad-check - you've got to pay the fine. I don't want to keep harping on this, but that's not what the law says. The law specifically states, "This section shall not apply if the person tendered such ...
by BoglePaul
Mon Apr 08, 2019 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2% bounced check fee!!
Replies: 42
Views: 5832

Re: IRS 2% bounched check fee!!

Doom&Gloom wrote:
Sun Apr 07, 2019 9:14 pm
Stiff penalty, but I don't see the gotcha.

So ???
For me, the gotcha is that this is the first time I have encountered a bounced check fee that is a percentage of the amount instead of a fixed rate. At 2%, the fee gets big quickly.
by BoglePaul
Mon Apr 08, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2% bounced check fee!!
Replies: 42
Views: 5832

Re: IRS 2% bounced check fee!!

OP---- sorry I miss read a bit. Thought from your post you were referring to this years taxes and actually thought it was already April 15th. :oops: Guess the lessons learned are ---- I need to read a bit more clearly and you probably shouldn't assume ACHs will always take place. :sharebeer Did the...
by BoglePaul
Mon Apr 08, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2% bounced check fee!!
Replies: 42
Views: 5832

Re: IRS 2% bounced check fee!!

Funds did not make it from my investment account to my checking account in time for the ACH payment to the IRS for estimated tax payment. Still payed on time. 2% fine on the total felt unfair. Beware! https://www.irs.gov/taxtopics/tc206 When a check or other commercial payment instrument the IRS re...
by BoglePaul
Mon Apr 08, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2% bounced check fee!!
Replies: 42
Views: 5832

Re: IRS 2% bounched check fee!!

Let me understand this better--- the system/withdrawl date you requested didn't work--- for covering a transaction you initiated--- and you executed--- full knowing that at time the money was not in the account you just assumed it would be. You didn't verify if it was in the account which is easily...
by BoglePaul
Mon Apr 08, 2019 6:55 am
Forum: Personal Finance (Not Investing)
Topic: IRS 2% bounced check fee!!
Replies: 42
Views: 5832

Re: IRS 2% bounched check fee!!

Let me understand this better--- the system/withdrawl date you requested didn't work--- for covering a transaction you initiated--- and you executed--- full knowing that at time the money was not in the account you just assumed it would be. You didn't verify if it was in the account which is easily...
by BoglePaul
Mon Apr 08, 2019 6:50 am
Forum: Personal Finance (Not Investing)
Topic: IRS 2% bounced check fee!!
Replies: 42
Views: 5832

Re: IRS 2% bounced check fee!!

Yes, I was clearly at fault for cutting it too close. The gripe is that I expected a fee of ~$35 and instead the fee was 2%. Imagine if the bank also charged a fee based on a percentage of the amount (this is not a late fee, it is a % of the amount fee). As far as consolidating, I then opened a Vang...
by BoglePaul
Sun Apr 07, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2% bounced check fee!!
Replies: 42
Views: 5832

IRS 2% bounced check fee!!

Funds did not make it from my investment account to my checking account in time for the ACH payment to the IRS for estimated tax payment. Still payed on time. 2% fine on the total felt unfair. Beware! https://www.irs.gov/taxtopics/tc206 When a check or other commercial payment instrument the IRS rec...
by BoglePaul
Sun Apr 07, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 21993

Re: Talk me in/out of $35k Tesla Model 3

How do the doors open if there is no power? There's still a manual release lever. The windows stay up if there's no power, though, so there's more of a possibility of damaging them when opening using the manual levers. I interpret “no power” to mean battery is fully drained or battery/electric syst...
by BoglePaul
Fri Apr 05, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 21993

Re: Talk me in/out of $35k Tesla Model 3

How do the doors open if there is no power?
by BoglePaul
Wed Apr 03, 2019 5:28 am
Forum: Investing - Theory, News & General
Topic: For the people going to cash, how long?
Replies: 20
Views: 3335

Re: For the people going to cash, how long?

I think the completion of the Brexit will be the pivot point.
by BoglePaul
Sat Mar 30, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: TVs: OLED vs. QLED
Replies: 52
Views: 4575

Re: TVs: OLED vs. QLED

OLED is wayyy better. QLED is a marketing gimmick to look like OLED. Just look at them side-by-side at best buy, wow, oled is amazing.
by BoglePaul
Thu Mar 28, 2019 5:37 am
Forum: Personal Finance (Not Investing)
Topic: S corp? Helping a friend
Replies: 15
Views: 835

Re: S corp? Helping a friend

Owners with a >2% stake in a S-Corp can not write off their benefits like health insurance, disability insurance, life insurance, etc (refer to an accountant or IRS rules). If they plan to convert you to an employee in a year, I would setup an LLC and keep it as simple as possible with a Simple-IRA...
by BoglePaul
Wed Mar 27, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: S corp? Helping a friend
Replies: 15
Views: 835

Re: S corp? Helping a friend

Owners with a >2% stake in a S-Corp can not write off their benefits like health insurance, disability insurance, life insurance, etc (refer to an accountant or IRS rules). If they plan to convert you to an employee in a year, I would setup an LLC and keep it as simple as possible with a SEP-IRA.
by BoglePaul
Wed Mar 13, 2019 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Replacing Vanguard Advantage, with link to TreasuryDirect
Replies: 2
Views: 438

Re: Replacing Vanguard Advantage, with link to TreasuryDirect

Fidelity's CMA product is identical to the Vanguard Advantage product. Fidelity and Vanguard both implement the UMB Bank whitebox CMA product.

https://www.umb.com/commercial/institut ... eckwriting
by BoglePaul
Wed Mar 06, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Anybody have a vehicle with ventilated driver's seat?
Replies: 25
Views: 1490

Re: Anybody have a vehicle with ventilated driver's seat?

There are two types of ventilated driver's seats and the performance of each seat is significantly different. The first is forced AC. This forces cool AC air out of the perforated seats to cool you. This is the seat available on the Benz and Lexus and works as expected (push button, cool air comes o...
by BoglePaul
Sat Mar 02, 2019 7:59 am
Forum: Personal Consumer Issues
Topic: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)
Replies: 75
Views: 9920

Re: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)

Try them, (TrueCar, Costco, Carvana, etc), as a starting point. Then travel to two dealers and negotiate prices in person. The best deal I have found was in person.
by BoglePaul
Thu Feb 28, 2019 6:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 63092

Re: Discontinuing VanguardAdvantage Accounts

Just keep the account and hopefully the replacement product will be ready by the sunset date. See above post. I asked about that, and the Flagship rep with whom I spoke said that this was quite unlikely. FWIW Well, then they really got my hopes up (and was the reason I left my second account open)....
by BoglePaul
Thu Feb 28, 2019 4:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 63092

Re: Discontinuing VanguardAdvantage Accounts

You can call and register a complaint by calling their nain number at 877-662-7447. I simply stated: "I can't fathom, that a brokerage as large as Vanguard can't offer adequate cash management services to its clients. If my Vanguard Advantage account is canceled, I will be transferring all of my mo...
by BoglePaul
Mon Feb 11, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)
Replies: 75
Views: 9920

Re: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)

In Fall 2018 we purchased an X3. We tried TrueCar, Costco, and another service. We also had the local dealers quote us directly over email. The direct quotes from the dealers were the lowest. We purchased from the dealer with the best price. The final price was 11% below MSRP with an additional ~1% ...
by BoglePaul
Sat Feb 02, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 217
Views: 16486

Re: Which Compact SUV Should I Buy?

Is there a table of stopping distances? I am more interested in braking performance. Here are the 60-0 distances from the same issue of Motor Trend magazine. The BMW X4, Ford Edge ST awd and Jaguar I Pace are the stand outs for good braking. The vast majority are clustered in the 125 to 135 ft. ran...
by BoglePaul
Sat Feb 02, 2019 6:26 am
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 217
Views: 16486

Re: Which Compact SUV Should I Buy?

Is there a table of stopping distances? I am more interested in braking performance. Here are the 60-0 distances from the same issue of Motor Trend magazine. The BMW X4, Ford Edge ST awd and Jaguar I Pace are the stand outs for good braking. The vast majority are clustered in the 125 to 135 ft. ran...
by BoglePaul
Fri Feb 01, 2019 8:09 am
Forum: Personal Consumer Issues
Topic: Really need help with new computer purchase!
Replies: 89
Views: 4301

Re: Really need help with new computer purchase!

How about a NUC?

https://simplynuc.com/

Pure Intel and Microsoft.

Then add an subscription to: Office 365 Personal.
by BoglePaul
Wed Jan 30, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Laptop/Quickbooks
Replies: 3
Views: 298

Re: Laptop/Quickbooks

Maybe something with a 15" screen for QB?
by BoglePaul
Wed Jan 30, 2019 6:28 am
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 217
Views: 16486

Re: Which Compact SUV Should I Buy?

The Mazda was sleek and attractive the way a young professional looks in his first tailored suit: lots of promise, but no real power. This is no longer the case for the Mazda CX-5. It's available with a 2.5L turbo motor producing 250 HP and 310 lb-ft torque at just 2000 RPM. In the reviews of the t...
by BoglePaul
Sun Jan 27, 2019 9:57 pm
Forum: Investing - Theory, News & General
Topic: Bypass Morningstar mobile site?
Replies: 7
Views: 701

Re: Bypass Morningstar mobile site?

Microsoft Edge on Android also has the option to View the Desktop version of the site. It is in the menu. Edge on iPhone may work the same way. https://answers.microsoft.com/en-us/edge/forum/edge_search-edge_android/new-tab-request-desktop-edge-mobile-browser-on/eeb29dc5-5ce8-46db-97ac-c8aebd7a0341
by BoglePaul
Sat Jan 26, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Simple "Skype" Device for Video Chats???
Replies: 16
Views: 946

Re: Simple "Skype" Device for Video Chats???

Yes, a smartphone or tablet with the skype app. Least expensive and easy Skype option is the Microsoft Surface Go. Set it up so she can login with Windows Hello (face id), a pin, or no login needed at all. Activate Cortana which offers the same "call John Smith" functionality. https://www.microsoft....