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SuperSaver

I just received my over-priced iPhone XS... unbelievable upgrade from the iPhone 5s, which was pretty much damn unusable outside of WIFI areas. If you take family pics, the camera rivals a $700 Nikon for portraits. Stunning. My only regrets are: 1) Not upgrading sooner (3-4 years probably sweet spot...

SuperSaver

Just pre-ordered a new iPhone XS. This is reportedly Apple's "most breakable" phone.

Can't trust Amazon reviews anymore.
Can anyone recommend one that is durable, and under $40?

Usual suspects are: spigen, speck, otterbox, and incipio

Thanks

SuperSaver

Just purchased 2 iPhone XS from t-mobile this morning... $700 off one phone. Plus $250 in gift cards. Plus $50 activation fees waived. Including taxes, this comes out to under $600/each per phone. Unlimited data for 2 lines: $125 (including taxes) Unlimited data for 4 lines: $140 (plus another $125 ...

SuperSaver

I have a iPhone 5s, and plan to upgrade to the $999 iPhone XS this week. T-mobile is offering $700 back on Buy one/Get one (sorta) today. Plus a free line. Plus $150 off/line with corporate discount. I've waited 4 years for a new phone. Breaking the bank and getting the top-of-the-line XS will avera...

SuperSaver

I'm also thinking about trying out Illy's IperEspresso system. The trouble is finding a place to actually try the coffees. We have the Illy machine and I prefer the output to Nespresso. Plus the machine looks a little like ET. https://www.seattlecoffeegear.com/media/catalog/product/cache/1/image/65...

SuperSaver

My favorite moderately priced Disney hotel is Disney's Port Orleans Resort - Riverside, which has bus access to the parks and boat access to Disney Springs. My favorite Disney hotel that's one step up is Disney's Animal Kingdom Lodge, which has bus access to the parks and great amenities for a 9 ye...

SuperSaver

Ditto. Would be interested in meeting locally.

SuperSaver

Wanted to add my 2cents on this. This post really got me thinking of high-quality watches. After extensive research, I weighed the multiple options: 1) Buying new from auth. dealer 2) Buying "gray" and new from online store (ie Jomashop) 3) Buying new with valid warranty from "trusted seller" from W...

SuperSaver

We already own one. Edited original post

SuperSaver

We cut the cord years ago. Just pay for high-speed internet ($49.99/mo), plus Hulu ($12/mo). We also have an over-the-air antenna and receive free local HD channels. We've been happy with this, and watch alot of TV on our iPads. We borrow families/friends Netflix, HBO, Amazon Prime logins for free. ...

SuperSaver

Here's my experience: Since reading this forum, I also got interested in the Luxe Watch threads, which lead me into this hobby. I purchased a $80 SEIKO 5 SPORTS on Jet.com when the practical lobe of my brain fired up. It is the perfect utilitarian watch. Will last for decades. Not showy. Clean displ...

SuperSaver

Local Louisvillian here... Know a quality-control expert for the local distilleries. He swears that Old Forrester is the best bourbon for the price. Everyday drinking. Elijah Craig was voted "the best liquor overall" by Esquire during the 2008 financial meltdown. I've tried alot of them, even in bli...

SuperSaver

Thanks to those with helpful, nonjudgmental comments. We did not consider the potential tax complications of this plan. I will try to steer clear of this plan, and hope to: - sell our existing home and get equity out of it. I do not want to be responsible for more than property - encourage MIL to in...

SuperSaver

She subsides on $5,000/year. Really? If this is true, it's mind boggling. $5K doesn't even pay my annual medical premiums, and yet your MIL buys medical insurance, prescriptions, food, car, insurance, clothing, rent, cell phone, cable/internet, utilities, and perhaps a splurge at McDonald's. Wow. I...

SuperSaver

I think what's being planned here is a multi-generational co-mingling of assets that all parties seem happy with. OP, spouse, MIL, SIL, and maybe even young children since the day they are born are signing up to shelter, feed, and care for each other through every possible up and down. Family patri...

SuperSaver

Honestly, there has to be a point you act like an adult and NOT a child of someone's parent. Having mommy or daddy buy you a house is a sign of the latter and not the former. Be adults and pay for you own debt. This is a bit snarky, isn't it? We have zero debt other than our home. We could pay it o...

SuperSaver

Thanks for all the replies. To clarify the issue 1. Yes, this is a gift from MIL. Not a loan 2. My MIL is the most selfless, generous human being I've ever met. Her only goal is to give all her money away to her surviving heirs to make our lives easier. She did not want this inheritance. She wants m...

SuperSaver

I recently used Chubb to get reimbursed for a medical emergency. Chubb insured the "travel insurance" on my AA Barclaycard. The interface and submitting claims process was pretty easy. I was hoping they would reimburse entire trip, but they refinded future travel change fees which was reasonable

SuperSaver

Here's the scenario: My Mother-on-law sold her single-family house a few years back, and parked the proceeds in cash ($400,000). She has >$2M invested in various financial instruments (Balanced Funds, CDs, Annuities, our kids' 529) and wishes to re-invest the $400k in real estate. She DOES NOT want ...

SuperSaver

Thanks for helpful comments. Some more caveats: 1) MIL's current home is older, smaller home (purchased ~$160k) is in great school district. Easy to rent. 15min away from our home. Rental income $1500/mo. 2) MIL will be moving potentially 5min away, along with my SIL. Home will be perfect size for 2...

SuperSaver

Some clarification: 1. My MIL has > $1M in "the stock market" (Vanguard funds), and wants to diversify in tangible assets. This will help her psychologically with having tangible assets she can see/own 2. She has had good experience to-date with renting out existing condo in Florida. My wife has bee...

SuperSaver

Here's the scenario: We purchased single-family home (before kids) in 2009 for $410,000. We re-financed last fall at 2.5% (15 year fixed), and have $240,000 equity. Our growing family now needs more space, and are looking for larger house with 1st-floor master for potential elderly parents to move i...

SuperSaver

I lived in Cincinnati for 3 years. It's a great city with a lot to see/do. I always check out the NYT's highlights for anyone: http://www.nytimes.com/2016/07/13/travel/cincinnati-budget-travel.html?_r=0 Things to do: 1. The Riverfront is pretty awesome. You can park at Newport on the Levee and walk ...

SuperSaver

Went to Grand Caymen in March 2015. Loved it. PRO's: 1. Very safe (if not safest in Caribbean) 2. Very small and drivable 3. Very easy transit from airport to hotels 4. English-speaking 5. Seven Mile Beach is outstanding We popped in and out of a few hotels. I feel the Westin in Grand Caymen was per...

SuperSaver

Much thanks to the replies. We went ahead and submitted our application. 1. We have saved quite a bit to pay down our existing mortgage without borrowing from our 401k. 2. the $3400 includes 3 months of escrow included. The bank is collecting $1900 in fees. The rest of it is title search, appraisal,...

SuperSaver

- Dyson Vacuum Cleaner

- illy iperespresso capsule machine

- Leather seats in minivan

- Graeter's Ice Cream

SuperSaver

Just met with our new advisor yesterday. Wanted to update the forum. He is charging us $1300 for developing and maintaining a financial plan for the next 2 years for my mother-in-law's $2M+ Estate. That's $650/year, or roughly 0.0325% AUM. We've been very happy with him, and very grateful our previo...

SuperSaver

The Refinancing Bug finally bit me. We currently have a 20-year fixed rate of 4.0% we took out on our $410k house in 2011. We owe $183k on it now. Our monthly payment is $2200. ($1610 P&I, $580 Escrow for Insurance and Taxes). Bank of America is offering a 15-year fixed at 2.54% . Our total payments...

SuperSaver

Just finished "The Last Man on the Moon," (Netflix), a fascinating profile of Gene Cernan who in 1972 was the last man to leave the moon - one of only twelve to walk on its surface. Great historical review of the space program, wonderful archival film. A must in my book! Just watched this today... ...

SuperSaver

Weber Spirit should be in that price range. I have an E-310 which is three burners but I believe they make a two burner model also. Like you, I got tired of the junk grills and have been very happy with mine. Agree with above. E-310 is sweet spot for value and size. I've had problems with ignition ...

SuperSaver

Merrill Edge as Platinum Bank of America Preferred client....

100 free trades a month with minimum balance.

I go to the branch location every so often. Meet the rep. They've been excellent with customer service. Have had all my incidental fees waived after a single email/phone call

SuperSaver

Quick question: I have two funds in a taxable account: 85% in LIfeStrategy Growth and 15% in Balanced Index Fund Would it be a Wash Sale to take advantage of a $40K loss in Lifestrategy, by buying more Balanced Index Fund? I'm shooting more for a 70/30 mix, so this would go along the lines of my ove...

SuperSaver

I have a two-fund portfolio with FIDO (IXUS, and ITOT). I have a 5% short-term capital loss with IXUS, and a 1% short-term loss with ITOT. Do I stay the course, or TLH? I have very few short-term capital gains this year, and I have no strong desire to liquidate my long-term holdings with long-term c...

SuperSaver

To clarify some erroneous comments to my initial post: I met with another financial advisor. As I suspected: a client DOES NOT NEED to submit a Social Security # for any reason to get a financial plan. All the above comments suggesting so was incorrect. The only reason for a financial advisor to req...

SuperSaver

Appreciate all the above sentiments.

SuperSaver

Hello,

Thanks for help re: finding a fee-only advisor

SuperSaver

Easily, the best and funniest show is:

SILICON VALLEY

Very hip and current. Unique characters. And only ~22min per episode for those on a tight time budget. Watch the first season, and have no regrets

I also second ROME.

SuperSaver

I would go with any of the illy coffee makers. Right now, they are giving it away free ($230 value) on the website if you buy 12 cases of espresso ($200 worth, 200+ capsules)

Our current one has lasted almost 8 years.

Here's the promotion:
http://shop.illy.com/online/store/categ ... vent-us_us

SuperSaver

I would go hands-down for Seiko 5 (model SNZG15). You can get it on jet.com for $85 for new members. I spent about 100 hours of research on this just last month. I really liked the $500-900 Shinola and Hamilton watch designs, but couldn't justify their price. I also looked into the Citizen eco-drive...

SuperSaver

Well.... this is awkward. I must admit my attempt at beating the market was a mixed bag. In another lesson to reinforce this, I attempted to replicate the Sequioa Fund (SEQUX) this summer. I put a small amount ($200) into the Fund's top 10 holdings for a total investment of $2000. Little did I know ...

SuperSaver

ACADEMICS, hands down. Only if:

1. you value intellectual fulfillment
2. you enjoy Teaching young learners
3. you're willing to tak 10-25% discount vs private practice
4. you're ok with academic bureacracy
5. you value being part of an academic community

SuperSaver

Funny how we have heard nothing, zilch, nada from IPer and SuperSaver after Nov 8th 2014. Happy to be a stupid indexer. Please re-read my original post. "Over the next decade...." Way too early to discount Alibaba. Since my OP, I've sold my losers, cashed in some modest winners, and added to my str...

SuperSaver

My mother-in-law is recently widowed, and I've convinced her to move about 1/2 of her assets to Vanguard taxable account She is 58 years old, has very little yearly expenses, is retired, and is in the lowest tax bracket. She thankfully has a considerable nest-egg in other accounts. We want to invest...

SuperSaver

Alibaba is up 13% since IPO....

VTI? Not so much.

BABA was close to a sure thing. Kudos to those who rolled the dice.

SuperSaver

I have about $10,000 to invest, after maxing out my retirement account My main goal is to have a good return on investment, with a long time horizon. Yes, I know that dividend stocks are not tax efficient. But what are my alternatives? Put it under my mattress, put it in a measly savings account, pa...

SuperSaver

Duct tape, food rations, Box-set of Friends

SuperSaver

I have 50% US Equity and 50% International equity evenly split in a taxable account. It's all in ETF's, and I get $0 trades... After hearing about Europe's long-term economy being down-graded, I'm thinking about tilting more to US 60/40. This seems reasonable, especially if smarter people than me pr...

SuperSaver

I'm about 10-15 miles... Again, very wooded neighborhood and city. It works great. Just goto antenna web.org, and hope that you have enough clearance to get a good signal. We love saving $60/month... Pouring it all in index funds!

SuperSaver

You’re gonna have so much fun. Here’s a review of the falafel place: http://www.nytimes.com/2006/12/31/travel/31bite.html?_r=0 From here, walk to Place de Vosges. One of the few parks in Paris where you can sit on the grass. I personally love FROMMERS. Here’s a link to their 1,2, and 3-day itinerari...

SuperSaver

Most of stocks are blue chips... Biggest chunk is P&G ($30k), then Home Depot ($15k), then a lot with $5k each (Exxon, Apple, Google, Smuckers). I've had SJM since it split with PG in 2000. I will probably sell some of my small/mid cap that I touted earlier, take some winnings, and plow them into mo...

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