Search found 95 matches

by mortalsonofmortal
Fri Apr 20, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Republic Wireless
Replies: 69
Views: 19045

Re: Republic Wireless

Had republic for 4 years. Was ok but had occasional call drops. But recently when we changed home, the reception was too bad and was heavily dependent on wifi. Then the moto x (old version) stopped working properly to the extent that I was not able to accept incoming calls. It also started restartin...
by mortalsonofmortal
Thu Apr 19, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Buying BRK.B to save $94 annually on insurance?
Replies: 29
Views: 3982

Re: Buying BRK.B to save $94 annually on insurance?

I called customer support and told them I had a Berkshire share and I want a discount. They immediately applied the discount no questions asked. Never had to submit any papers.
by mortalsonofmortal
Wed Apr 11, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: Best way to max 401k
Replies: 5
Views: 1197

Re: Best way to max 401k

It is good in a way because one thing I realized was my emergency fund is not large enough. So the next immediate focus would be to rebuilt that.
by mortalsonofmortal
Wed Apr 11, 2018 1:33 am
Forum: Investing - Theory, News & General
Topic: Best way to max 401k
Replies: 5
Views: 1197

Re: Best way to max 401k

Good points. I do not have an employer match. I am going to spread it more evenly next year.
by mortalsonofmortal
Tue Apr 10, 2018 11:57 pm
Forum: Investing - Theory, News & General
Topic: Best way to max 401k
Replies: 5
Views: 1197

Best way to max 401k

I would love to know how all of you salaried folks max your 401k? I tried front loading it by 75% deductions from paycheck (Varies between 2.5k ti 3k contributions per paycheck). Aim was to max 401k at the earliest. But because i had a few unexpected expenses i had to take out 15k out of my 21k emer...
by mortalsonofmortal
Tue Apr 10, 2018 11:49 pm
Forum: Investing - Theory, News & General
Topic: Is HSA right for me.
Replies: 6
Views: 927

Re: Is HSA right for me.

Thank you for your replies. I will keep an eye out to see if employer offers better HDHP plans next year.
by mortalsonofmortal
Tue Apr 10, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: Is HSA right for me.
Replies: 6
Views: 927

Is HSA right for me.

Please correct my thought process if I am thinking it wrong. I know there are some huge fans of HSA here and rightly so. But after doing some calculations, i am beginning to doubt if HSA is the right choice for our family. We have recurring medical expense of about $110 per week for speech therapy f...
by mortalsonofmortal
Mon Apr 02, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage paid off.
Replies: 8
Views: 2463

Re: Mortgage paid off.

Congrats. How many years did it take to payoff?
by mortalsonofmortal
Wed Mar 14, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: Is this tax loss harvesting?
Replies: 15
Views: 1722

Is this tax loss harvesting?

Suppose I bought 100 shares each worth $10. I kept it for a few years and it appreciated to $12. I now sell enough stocks to get my principle amount back. Let's say 84 shares sold at 12 which gives me my initial investment and then some. $1008. I now hold the rest of the shares for an year or so but...
by mortalsonofmortal
Wed Feb 28, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Dealership oil change worth it?
Replies: 69
Views: 6104

Re: Dealership oil change worth it?

I don't have the time to do it myself so that is not an option. I can change the oil and filter in less than 30 minutes at home, and I know I replaced the crush washer, torqued the drain bolt correctly, and added the right amount of oil. There is no place I can go for an oil change and reliably be ...
by mortalsonofmortal
Tue Feb 27, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Any downside to WiFi calling?
Replies: 25
Views: 2796

Re: Any downside to WiFi calling?

I have been using WiFi calling through republic and Google fi. The only downside is when everyone in my home is streaming videos on different devices and if i am on call, the calls sometimes becomes jittery. Also when I am on a call while leaving home, the wishes fi range decreases and calls sometim...
by mortalsonofmortal
Tue Feb 27, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Dealership oil change worth it?
Replies: 69
Views: 6104

Re: Dealership oil change worth it?

Thanks for the replies. Will look around for a coupon.
by mortalsonofmortal
Tue Feb 27, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Dealership oil change worth it?
Replies: 69
Views: 6104

Dealership oil change worth it?

Time to take my car for an oil change. I compared prices and Honda usually charges more when compared to local mechanics. I was wondering if there is any benefit in getting it done at Honda vs going for the cheaper option. I don't have the time to do it myself so that is not an option.
by mortalsonofmortal
Thu Feb 01, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Is changing AA considered market timing?
Replies: 37
Views: 1979

Re: Is changing AA considered market timing?

Op here. Several good points from your responses. The key take away for me from this discussion is to periodically re evaluate how close i am to my end FI goal and reduce exposure to market risk if I am getting to my end goal sooner than I thought. Not based on how the market is doing right now. Yo...
by mortalsonofmortal
Thu Feb 01, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: Is changing AA considered market timing?
Replies: 37
Views: 1979

Re: Is changing AA considered market timing?

Op here. Several good points from your responses. The key take away for me from this discussion is to periodically re evaluate how close i am to my end FI goal and reduce exposure to market risk if I am getting to my end goal sooner than I thought. Not based on how the market is doing right now. Doe...
by mortalsonofmortal
Thu Feb 01, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: Is changing AA considered market timing?
Replies: 37
Views: 1979

Re: Is changing AA considered market timing?

By tanking i mean market loses more than 20% from peak. Since we all agree that the market has to tank some time, isn't my 90:10 AA becoming more riskier as the Bull market gets into record territory? [/quote] I don't agree that the market has to tank some time [/quote] May be "Tank" is not the rig...
by mortalsonofmortal
Thu Feb 01, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Is changing AA considered market timing?
Replies: 37
Views: 1979

Re: Is changing AA considered market timing?

I don't consider a modest change in AA to be market timing (say, shifting 5-10 percentage points); however, you are considering shifting 40 percentage points. Based on the information you provided, you are attempting to time the market, and this is almost never a good idea. I went from 90/10 to 80/...
by mortalsonofmortal
Thu Feb 01, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Is changing AA considered market timing?
Replies: 37
Views: 1979

Re: Is changing AA considered market timing?

boglewill34 wrote:
Thu Feb 01, 2018 12:48 pm
I'm pretty sure this is why you should define your rebalance bands.
Could you please explain?
by mortalsonofmortal
Thu Feb 01, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: Is changing AA considered market timing?
Replies: 37
Views: 1979

Is changing AA considered market timing?

Suppose I have a 90:10 stock bond allocation. If I think that market is too overvalued right now and if I want to change the future contributions to be allocated 50:50, with hopes that if the market tanks again, i can change AA again to a more aggressive one, will this be considered an attempt to ti...
by mortalsonofmortal
Thu Jan 18, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Mint vs Personal Capital
Replies: 19
Views: 3876

Re: Mint vs Personal Capital

I have used both but using PC more these days because i like the layout. Had trouble hooking up some accounts to PC like Robinhood and Coinbase.
by mortalsonofmortal
Mon Jan 01, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372258

Re: What are you up YTD? [Year To Date]

How do you calculate the YTD returns when you are dollar cost averaging?
by mortalsonofmortal
Sat Dec 02, 2017 5:18 am
Forum: Personal Finance (Not Investing)
Topic: Mint.com or PersonalCapital.com
Replies: 11
Views: 1596

Re: Mint.com or PersonalCapital.com

Why not use both until one have all the features that you are looking for
by mortalsonofmortal
Wed Nov 29, 2017 2:45 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 29673

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

From my limited knowledge gathered from seeing videos and documentaries, bitcoin cannot be really compared to just another currency. 1.Bitcoin has limited availability but currencies can be printed. So people are comparing bitcoin to gold. 2. Bitcoin cannot be regulated as much as normal currency. T...
by mortalsonofmortal
Wed Nov 29, 2017 2:16 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 29673

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

...People said the same thing about the internet... Who? I really don't remember that. See if you can find some quotations from the 1990s to back up what you are saying. I'm not saying there weren't, but I really don't remember much naysaying. There was a long period when not many people knew about...
by mortalsonofmortal
Mon Nov 27, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Moto X4 through google fi offering $100 credit
Replies: 11
Views: 1398

Re: Moto X4 through google fi offering $100 credit

Does anyone have any experience with this phone. I'm still using my 12 year old Jitterbug but have been thinking about a smart phone mainly for the navigation feature. My wife's phone is with project fi so I would like to stay with that and the family plan. I looked at it yesterday...not worth it.....
by mortalsonofmortal
Fri Nov 24, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Moto X4 through google fi offering $100 credit
Replies: 11
Views: 1398

Moto X4 through google fi offering $100 credit

For anyone who wants to get into Google Fi and is ok with the Android one series can check out the Black Friday offer on Moto X4. The phone is listed at $399. But the $100 fi credit can be applied to future monthly bills. https://fi.google.com/about/phones/ https://fi.google.com/about/2017-black-fri...
by mortalsonofmortal
Thu Oct 26, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 49792

Re: MoviePass-Too good to be true, but it's legit.

I started using it and love it. If the business idea is for increased snacks and drinks sales, they have to introduce a couple or family pack because the probability is more that you end up buying snacks and drinks in that case.
by mortalsonofmortal
Mon Oct 09, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 8003

Re: Asking for discounts

I was reluctant in the early days. But now I ask more frequently. My shift in mindset happened because of a recent experience. I was in Best Buy for a laptop and i asked for returned or open box items. There was a laptop, not the latest model but had good reviews. Because as it was a returned item, ...
by mortalsonofmortal
Fri Sep 29, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Email address compromised - HELP!!!
Replies: 28
Views: 3192

Re: Email address compromised - HELP!!!

Using gmail as your primary email gives you lot of flexibility to combat spam. Gmail lets you create infinite number of extensions of your own email account. For example if your email is jondoe@gmail.com, then you can use jondoe+enteranythinghere@gmail.com and you will still get the email. Another w...
by mortalsonofmortal
Thu Sep 14, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Smart phones and data/text usage.
Replies: 31
Views: 2953

Re: Smart phones and data/text usage.

check republicwireless.com
They have cheap plans and refund money if you dont use all of their data
by mortalsonofmortal
Tue Sep 12, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 46960

Re: Name something you had to have and now you regret purchasing it?

$200 push mover. I had a knee problem and i messed my knee further by pushing this. Going to get an electric one.
by mortalsonofmortal
Tue Sep 05, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help me make sense of my 2017 federal tax calculation
Replies: 22
Views: 2855

Re: Help me make sense of my 2017 federal tax calculation

Thanks all for your comments advise. I corrected w4 and requested to take out an additional amount for tax. I also used tax caster to get an idea about how much tax i owe approximately. So far i used to take into account the cash donations. This year i have and will continue to do significant non ca...
by mortalsonofmortal
Sat Sep 02, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Help me make sense of my 2017 federal tax calculation
Replies: 22
Views: 2855

Re: Help me make sense of my 2017 federal tax calculation

Yes, i am glad i caught it now. I will update the w4 as per suggestions i got from all of your responses.

Good thing is i got to know about a few tricks, details etc because of all of your response. We learn through our mistakes.
by mortalsonofmortal
Fri Sep 01, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Help me make sense of my 2017 federal tax calculation
Replies: 22
Views: 2855

Re: Help me make sense of my federal tax calculation

pshonore wrote:
Fri Sep 01, 2017 5:44 pm
Looks like your wife cannot deduct her IRA contribution since you're covered by a retirement plan and your AGI is too high.

Tell us more about child care expense. Is she contributing to a Dependent Care Spending account?
What is the AGI limit for MFJ?
by mortalsonofmortal
Fri Sep 01, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help me make sense of my 2017 federal tax calculation
Replies: 22
Views: 2855

Re: Help me make sense of my federal tax calculation

Yes too many exemptions. didnt submit corrected w4 after wife got first job and she copied my W4 when asked to fill it up at her job. :oops: . I am going to contact employer to see if i can submit corrected w4 now. Regarding dependent care expense, she is contributing to a Dependent Care Spending ac...
by mortalsonofmortal
Fri Sep 01, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help me make sense of my 2017 federal tax calculation
Replies: 22
Views: 2855

Help me make sense of my 2017 federal tax calculation

Could any of you provide some guidance on the calculations that goes behind determining federal income tax? I might have withheld too little and might end up paying a hefty tax for 2017. The estimated household salary for 2017 is $150,990. By the current tax withholding rate, IRS will only withhold ...
by mortalsonofmortal
Sat Aug 26, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Any good resources on how to learn to be a Google Sheets (Excel) expert?
Replies: 28
Views: 3109

Re: Any good resources on how to learn to be a Google Sheets (Excel) expert?

Here is a link to beginner tutorial. https://zapier.com/learn/google-sheets/google-sheets-tutorial/ sheets has its own documentation that pops up when you type a formula. I use that extensively. Best way to be an expert is by trying to create complex sheets. Here is an assignment to get started. Cre...
by mortalsonofmortal
Wed Aug 23, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 7583

Re: Why do we consider cash flow from rentals but not our own homes?

My PITI is $1200/month. An high estimate for repairs and maintenance is $500/month. Did you factor in possible rise in property tax? I am wondering if it is common to have PITI that low for a house with such high rent estimate. It got to be an exceptional case. Also one time high expense maintenanc...
by mortalsonofmortal
Tue Aug 15, 2017 4:42 am
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 33
Views: 4509

Re: Buy Google Pixel mobile now or wait for Pixel 2

The $200 discount is off. The deal was such a big hit that some of the buyers were put in waiting list.

https://www.reddit.com/r/GooglePixel/co ... iscounted/
by mortalsonofmortal
Tue Aug 08, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 33
Views: 4509

Re: Buy Google Pixel mobile now or wait for Pixel 2

another consideration in your decision: the Pixel is guaranteed 2 years of android OS version upgrades from the version it is released with. So if you get a Pixel now (v7.0 Nougat), you will basically only get up to v9 support. the pixel 2 will get up to v10 support. To me, one of the key features ...
by mortalsonofmortal
Tue Aug 08, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 33
Views: 4509

Re: Buy Google Pixel mobile now or wait for Pixel 2

I'm thinking of switching my parents to this -- anyone have any experience with google-fi in Connecticut / New England? Google Fi uses T Mobile and Sprint networks and will automatically switch between those 2 networks (whichever is better) or even WiFi, if available, to get the best quality call. ...
by mortalsonofmortal
Tue Aug 08, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 33
Views: 4509

Re: Buy Google Pixel mobile now or wait for Pixel 2

harrychan wrote:If you can't wait and want a good budget android device, get the one plus 5.im using it now after 3 years with the one plus one.
But I can't get into Google Fi with one plus 5. Otherwise I would have considered it.
by mortalsonofmortal
Tue Aug 08, 2017 3:09 am
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 33
Views: 4509

Re: Buy Google Pixel mobile now or wait for Pixel 2

I love the Pixel. That said, a major downside for me is lack of any water resistance. Phones are on us at all times, and weather changes. For me, that would be a reason to wait for the 2. Otherwise, the original is rock solid. Although Google does not state it, many reviews online show that the Pix...
by mortalsonofmortal
Tue Aug 08, 2017 3:06 am
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 33
Views: 4509

Re: Buy Google Pixel mobile now or wait for Pixel 2

ThriftyPhD wrote:Keep in mind that when these things are finally released, there is often a delivery delay that has ranged into months for past google phone releases. If you want it in October, be ready to order when it is announced.
Thats a good point. Google did have delays with stocking pixel in the past.
by mortalsonofmortal
Tue Aug 08, 2017 3:05 am
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 33
Views: 4509

Re: Buy Google Pixel mobile now or wait for Pixel 2

It is a great phone. You won't be disappointed. Now the price of the pixel 2 will be more expensive. It may not have a headphone jack. But probably will bring incremental improvements elsewhere. The xl 2 having a modern thin bezel design. Someone with a 3 year old phone probably doesn't care about ...
by mortalsonofmortal
Mon Aug 07, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 33
Views: 4509

Buy Google Pixel mobile now or wait for Pixel 2

My 3 year old Android phone is acting up and i cant rely on it because of rediculous battery life and constant auto restarting. I want to get a new phone and get into project fi so zeroed in on Pixel. There is a $200 discount plus free VR set on pixel phones in google store. Should i wait for the ph...
by mortalsonofmortal
Wed Jun 28, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 11472

Re: Middle age job blues

I work for a Bank and we're still hiring Cobol programmer for maintance. Seems like this is a lifetime job if you have that skill. It is. Depending on one's aptitude, desire to learn COBOL, location, age, and risk tolerance... I would not argue against some fresh out of college grad picking up the ...
by mortalsonofmortal
Wed Jun 21, 2017 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Need help deciding fund to choose for 401k
Replies: 13
Views: 1302

Re: Need help deciding fund to choose for 401k

aristotelian wrote:I would pay off the car loan before growing the emergency fund.
The car loan is in my wife's name and she didnt have a credit history. i am thinking about refi in my name as mine is pretty solid. If i manage to get car loan rate under 3%, i would just make regular payments.
by mortalsonofmortal
Wed Jun 21, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Need help deciding fund to choose for 401k
Replies: 13
Views: 1302

Re: Need help deciding fund to choose for 401k

Duckie wrote: Does your plan waive the commission on the Class A shares? Most do.
I think they do but i will double check. Thank you for your time.