Search found 882 matches

by motorcyclesarecool
Tue May 26, 2020 3:50 am
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 44
Views: 2900

Re: What will you NOT buy online?

I do not buy estate documents (e.g. will) online. By the time you go to use it, if you find out that it is defective it is probably too late to get a refund or repair. How is it even possible for you to find out that your own will is defective? A powerful argument against risking a defective will, ...
by motorcyclesarecool
Sun May 24, 2020 9:04 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 112
Views: 7778

Re: If Jeep has such poor reliability, how come they are everywhere?

I have a cheap one (Patriot) because it was highly comparable to the Subaru Forester, except a far better price. Major corrosion of subframe, replaced under warranty. Struts are leaky, mechanic said they all do that. Had to replace 5-speed transmission at 60k out of warranty (I unwisely chose 3/36 b...
by motorcyclesarecool
Sun May 24, 2020 2:17 am
Forum: Personal Consumer Issues
Topic: Warning: Virginia State Inspection
Replies: 38
Views: 3708

Re: Warning: Virginia State Inspection

I live in a state that has had an annual inspection requirement for decades now. It used to be a safety inspection. Tires, wipers, lights, tie rod ends, that sort of thing. Then, for reasons that still mystify me (we’ve never had smog issues here), it transmogrified into a de-facto emissions test wh...
by motorcyclesarecool
Fri May 22, 2020 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: FERS Retirement vs. Resignation
Replies: 8
Views: 1018

Re: FERS Retirement vs. Resignation

I’ve got to wonder if perhaps your friend wasn’t frustrated or sick or forced out and is putting a positive spin on it? I just don’t see the rationale.
by motorcyclesarecool
Fri May 22, 2020 4:47 am
Forum: Personal Investments
Topic: Assuming we start paying banks to hold our money (in the US)
Replies: 50
Views: 4054

Re: Assuming we start paying banks to hold our money (in the US)

Since I’ve already weighed in on what to do in a NIRP environment, I’ll quote myself: Ideas for taxable money in a NIRP environment: -overpay your taxes / get annual refund -big bills in a safe deposit box -pay all bills early -overpay your credit card bills, get a check back every once in a while -...
by motorcyclesarecool
Mon May 18, 2020 9:41 pm
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4030

Re: Vault Safe in the attic; welded, anyone ?

I know that whatever you choose, you need to sell your house with the safe in it to a Boglehead someday, but not give them the combo. We will need something to discuss by then.
by motorcyclesarecool
Mon May 18, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Any resources on Reduction in Force procedures for Federal Employees?
Replies: 14
Views: 1197

Any resources on Reduction in Force procedures for Federal Employees?

I’m going to be intentionally light on details here. Please bear with me. I work for a federal agency that has announced to its entire workforce that absent legislative intervention (which is apparently underway) there is a possibility of running out of funds and not making payroll at some point thi...
by motorcyclesarecool
Sun May 17, 2020 9:50 pm
Forum: Investing - Theory, News & General
Topic: Buying carnival cruise ship bonds
Replies: 10
Views: 1486

Re: Buying carnival cruise ship bonds

The collateral might only be worth their scrap value. In a BK, would it have to take place in Panama where Carnival is domiciled? How would bond holders fare there?
by motorcyclesarecool
Sat May 16, 2020 2:34 pm
Forum: Personal Consumer Issues
Topic: What to do with canned chicken?
Replies: 45
Views: 3313

Re: What to do with canned chicken?

They should stack it in their basement beside the ammo.
by motorcyclesarecool
Wed May 13, 2020 4:16 am
Forum: Personal Finance (Not Investing)
Topic: Will Banks Consider Discount for Mortgage Payoff?
Replies: 14
Views: 1217

Re: Will Banks Consider Discount for Mortgage Payoff?

Would you be happy if an individual bond you owned got called? Would you offer the debtor a discount for calling the bond?
by motorcyclesarecool
Fri May 08, 2020 10:04 pm
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3144

Re: Is it worth buying an infant car seat for each car.

Most, people f not all, infant car seats can be secured using seatbelts, without a base. I took a vacation without our infant seat base and quickly regretted it. The difference between “pop and it’s in” and having to hunch over, buckle the belt, run it through the hooks, then when everything is ali...
by motorcyclesarecool
Wed May 06, 2020 5:29 am
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11167

Re: Poor Publix employee seeking 401k investment advice

ralphboy wrote:
Tue May 05, 2020 10:10 am
There's a fidelity by me that is open. Maybe I should just go to them? Schwab is still temporarily closed.
Fidelity is about as good as Schwab. I have found Fidelity investor centers to be super helpful for setting up accounts the way we want them.
by motorcyclesarecool
Wed May 06, 2020 5:25 am
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11167

Re: Poor Publix employee seeking 401k investment advice

Do you all have an opinion of Northern Trust Company? There's one near me and they are open. If I recall correctly, does the first 3% you kick into your Voya 401(k) gets matched? I try not to say, “no” to free money. If so, I’d put 3% into the 401(k) and the other 7% into your IRA at Schwab. That w...
by motorcyclesarecool
Tue May 05, 2020 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Unicorn mortgage still just a dream
Replies: 29
Views: 4547

Re: Unicorn mortgage still just a dream

We also closed last week on a 30yr at 2.75%, non-jumbo loan. I didn't believe it until the wire came through and paid off the previous lender. It took longer for this to close than any refi I've ever done and included multiple rounds of employment verification (3rd time on day of close). What appro...
by motorcyclesarecool
Tue May 05, 2020 5:14 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2119
Views: 372733

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

WorldWanderer wrote:
Tue May 05, 2020 4:15 pm
From my Etrade guy:
Deposit Amount = Credit

$500,000 - $999,999 = $2,000

$1MM - $1.99MM =:$4,000

$2MM - $2.99MM = $6,000

$3MM - $3.99MM = $8,000

$4MM+ = $10,000
Retirement accounts or taxable?
by motorcyclesarecool
Tue May 05, 2020 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Unicorn mortgage still just a dream
Replies: 29
Views: 4547

Re: Unicorn mortgage still just a dream

The dream just came true. Today we closed on our refinance. POA closing for COVID. 30 year fixed at 2.875%. I really lucked out on the day we were able to lock in.
by motorcyclesarecool
Tue May 05, 2020 12:20 pm
Forum: Personal Investments
Topic: Notary Signature Amidst COVID 19
Replies: 22
Views: 1342

Re: Notary Signature Amidst COVID 19

Our local credit union is providing Notary service at a single branch. We made an appointment, stayed in the outer lobby, signed as they watched through the window, slid the documents to them through the gap between the locked doors, they signed and affixed their seal, good to go. Call or email your...
by motorcyclesarecool
Sun May 03, 2020 10:43 pm
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11167

Re: Poor Publix employee seeking 401k investment advice

Here’s another question: does Publix offer health insurance with a Health Savings Account (HSA)? If Publix does, and makes or matches contributions to it, that could be another potential way to up your savings rate. It doesn't matter whether they match it. If a high-deductible plan is right for you...
by motorcyclesarecool
Sun May 03, 2020 10:23 pm
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11167

Re: Poor Publix employee seeking 401k investment advice

In y'alls opinion should I invest 10% of my paycheck through my Voya 401k or put it in Charles Scwhab? If I recall correctly, does the first 3% you kick into your Voya 401(k) gets matched? I try not to say, “no” to free money. If so, I’d put 3% into the 401(k) and the other 7% into your IRA at Schw...
by motorcyclesarecool
Sun May 03, 2020 9:53 am
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11167

Re: Poor Publix employee seeking 401k investment advice

Here’s another question: does Publix offer health insurance with a Health Savings Account (HSA)? If Publix does, and makes or matches contributions to it, that could be another potential way to up your savings rate.
by motorcyclesarecool
Sun May 03, 2020 9:50 am
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11167

Re: Poor Publix employee seeking 401k investment advice

I would cash out $12,000 of the RJ account and put it into a Traditional IRA at Schwab. $6,000 for “2019” and $6000 for “2020”. I already did my taxes and received $1200. If I file an amended tax return do I have to pay the person to do my taxes again? How much more of a refund do you think I would...
by motorcyclesarecool
Sat May 02, 2020 9:50 pm
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11167

Re: Poor Publix employee seeking 401k investment advice

I would cash out $12,000 of the RJ account and put it into a Traditional IRA at Schwab. $6,000 for “2019” and $6000 for “2020”. I already did my taxes and received $1200. If I file an amended tax return do I have to pay the person to do my taxes again? How much more of a refund do you think I would...
by motorcyclesarecool
Mon Apr 27, 2020 10:43 pm
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11167

Re: Poor Publix employee seeking 401k investment advice

My version of free advice from a rando on the internet: I would cash out $12,000 of the RJ account and put it into a Traditional IRA at Schwab. $6,000 for “2019” and $6000 for “2020”. The reason why I think you should put the RJ money into Traditional IRA and not a Roth IRA is because you risk havin...
by motorcyclesarecool
Mon Apr 27, 2020 6:56 pm
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11167

Re: Poor Publix employee seeking 401k investment advice

The RJ account is a regular account and not an IRA. I'll try and figure out where to go next. I would like to make an appoint with someone and show them some of the suggestions on here. Remember, the people at RJ are salespeople, trained in the art of persuading you not to leave. Figure out where t...
by motorcyclesarecool
Sat Apr 25, 2020 1:29 pm
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11167

Re: Poor Publix employee seeking 401k investment advice

I just wanted to chime back in to add that you have already been doing an amazing job of saving. Our suggestions are aimed at letting you keep more of your own money, but you’ve already done the hardest part by saving a huge portion of what you make and living below your means.
by motorcyclesarecool
Fri Apr 24, 2020 5:55 am
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11167

Re: Poor Publix employee seeking 401k investment advice

So that I understand the match on your 401(k), I have a question: if you put in 3% of your gross pay, Publix puts in 3% to match, up to $750 per year? Another question, if I recall correctly, Publix shares are not traded on any stock market. Are you permitted to sell the shares that Publix gives to ...
by motorcyclesarecool
Thu Apr 23, 2020 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: social security amount if you quit working
Replies: 11
Views: 1088

Re: social security amount if you quit working

socialsecurity.tools is the website you need right now. Copy / paste your earnings record from the social security website and you’ll see exactly what the impact would be.
by motorcyclesarecool
Sun Apr 19, 2020 10:52 pm
Forum: Personal Consumer Issues
Topic: Expecting Child #1 - Cost Saving Ideas?
Replies: 55
Views: 2110

Re: Expecting Child #1 - Cost Saving Ideas?

The most important thing is to support your wife and protect your new family. You are about to enter the world of mommy guilt. There are whole industries that profit from mommy guilt. Your most important job is to not worsen the mommy guilt that will inevitably exist. The cloth diaper calculations a...
by motorcyclesarecool
Tue Apr 14, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: CSA options in time of CV-19
Replies: 4
Views: 294

Re: CSA options in time of CV-19

Do they limit the number of shares to a similar number as in previous years? We just canceled our CSA. We could pick and choose online and it got delivered, so that wasn’t a problem, but they had sold so many shares recently that the box didn’t have any variety, and there wasn’t really anything els...
by motorcyclesarecool
Tue Apr 14, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: CSA options in time of CV-19
Replies: 4
Views: 294

Re: CSA options in time of CV-19

Delivery not an option. The choices are: pick up a box set aside for you, or choose your own and pay cashier each time.
by motorcyclesarecool
Tue Apr 14, 2020 8:22 am
Forum: Personal Consumer Issues
Topic: Stale Gasoline?
Replies: 25
Views: 1824

Re: Stale Gasoline?

Now I understand that I utterly misread the question. OP already has the cans. Squirt some Sta-bil in there and keep them away from light & heat.
by motorcyclesarecool
Tue Apr 14, 2020 8:08 am
Forum: Personal Consumer Issues
Topic: Stale Gasoline?
Replies: 25
Views: 1824

Re: Stale Gasoline?

I misunderstood; I thought it was a 17¢ discount per gallon. But the math still doesn’t seem to work. Cheapest can I can find is $23.98 for 5 gallons at my local Lowe’s. USA Average price according to GasBuddy.com is $1.83. So I’d have to pay $24.83 to purchase and store $9.15 worth of gas. If I tur...
by motorcyclesarecool
Tue Apr 14, 2020 6:56 am
Forum: Personal Consumer Issues
Topic: CSA options in time of CV-19
Replies: 4
Views: 294

CSA options in time of CV-19

Our preferred Community Supported Agriculture (CSA) is offering two types of options this year. The first is a traditional CSA share, where you’re sharing risk with the farmer and getting a proportional share of each vegetable harvest, via weekly pickup. The second is essentially a gift card sold at...
by motorcyclesarecool
Tue Apr 14, 2020 5:06 am
Forum: Personal Consumer Issues
Topic: Stale Gasoline?
Replies: 25
Views: 1824

Re: Stale Gasoline?

I doubt the savings would outstrip the cost of the jerry cans. Please don’t use unapproved containers.
by motorcyclesarecool
Mon Apr 13, 2020 5:24 am
Forum: Personal Consumer Issues
Topic: Hand Truck Tire Replacement
Replies: 19
Views: 757

Re: Hand Truck Tire Replacement

With that type of “split” rim, you’re going to want to replace the inner tube. Check the inside of the tire for whatever debris might have punctured the tube to begin with. Put the “inner” bead of the tire over the inner rim, leaving the “outer” bead loose. Insert the new tube, ensuring it won’t be ...
by motorcyclesarecool
Sun Apr 12, 2020 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: What makes a real estate agent good?
Replies: 30
Views: 2494

Re: What makes a real estate agent good?

Hey all, I often see threads or posts here regarding real estate agents and why people should/shouldn’t use one. Me personally, I do enjoy properties, and for my real estate license on a whim last year. It was a lot of time and money, however after passing I decided I invested enough to keep it goi...
by motorcyclesarecool
Sun Apr 12, 2020 7:54 am
Forum: Personal Investments
Topic: Which state’s 529 plan has low fee and more aggressive age-based portfolio?
Replies: 14
Views: 879

Re: Which state’s 529 plan has low fee and more aggressive age-based portfolio?

Utah gives you an option to completely customize your glide path. Set then forget.
by motorcyclesarecool
Fri Apr 10, 2020 5:53 am
Forum: Investing - Theory, News & General
Topic: There Is No Gold
Replies: 160
Views: 12255

Re: There Is No Gold

If money is how we store value, then gold is money. In fact, money is how we transmit and receive value. Therefore, gold is a commodity. A portable commodity that made it easy to transmit and receive value in days of yore. One can store value in steel or copper ingots, as well, and they will never b...
by motorcyclesarecool
Thu Apr 09, 2020 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Unicorn mortgage still just a dream
Replies: 29
Views: 4547

Re: Unicorn mortgage still just a dream

Our prospects of closing on our 30 year, 2.875% fixed mortgage just got brighter. Our attorney has found a way to get the title work done, and our lender (local Credit Union) will let us get the POA notarized at their drive thru teller. Looks like we’re going to close before our lock expires!
by motorcyclesarecool
Thu Apr 09, 2020 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: How have Donor Advised Funds held up so far?
Replies: 26
Views: 1222

Re: How have Donor Advised Funds held up so far?

I direct the proceeds of my contributions to 90% money market. When the market crashes I TLH in my taxable account and donate the cash or buy a not-substantially-identical equity index fund and cash-flow our giving.
by motorcyclesarecool
Thu Apr 09, 2020 9:11 am
Forum: Personal Finance (Not Investing)
Topic: NYT hit piece on Donor Advised Funds
Replies: 67
Views: 2756

Re: NYT hit piece on Donor Advised Funds

[Topic moved to Personal Finance (not Investing) - moderator prudent] https://www.nytimes.com/2018/08/03/business/donor-advised-funds-tech-tax.html I made this actionable by reaching out directly to the reporter. I think the reason nonprofits complain about DAFs is because they can truly anonymize ...
by motorcyclesarecool
Thu Apr 09, 2020 6:31 am
Forum: Personal Finance (Not Investing)
Topic: NYT hit piece on Donor Advised Funds
Replies: 67
Views: 2756

NYT hit piece on Donor Advised Funds

[Topic moved to Personal Finance (not Investing) - moderator prudent] https://www.nytimes.com/2018/08/03/business/donor-advised-funds-tech-tax.html I made this actionable by reaching out directly to the reporter. I think the reason nonprofits complain about DAFs is because they can truly anonymize ...
by motorcyclesarecool
Sat Apr 04, 2020 9:53 pm
Forum: Personal Consumer Issues
Topic: What Amazon Prime (free) movies y'd recommend ?
Replies: 78
Views: 6594

Re: What Amazon Prime (free) movies y'd recommend ?

The man who shot Liberty Valance
by motorcyclesarecool
Sat Apr 04, 2020 8:32 am
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 73
Views: 6027

Re: Online / Gun Dealer Recommendations

This is the most civil, least heated firearms discussion I’ve ever been a part of online. I shouldn’t be surprised but I am. What an amazing forum! The Personal Consumer Issues forum is like a metaforum for quality conversation.
by motorcyclesarecool
Sat Apr 04, 2020 8:00 am
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 279
Views: 21009

Re: Are you still going to the grocery store or using a delivery service? Which?

Our local grocery store has resumed its pre-existing curbside delivery program with a significant modification: Pickup slots can only be scheduled one calendar day in advance. So less likely to have items sell out in the interim. I did it yesterday and it worked pretty well. The flour sold out befor...
by motorcyclesarecool
Fri Apr 03, 2020 7:05 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2119
Views: 372733

Re: Sign Up Bonuses

[Thread merged into here, see below. --admin LadyGeek] Just wondering if anyone knows of any current sign up bonuses going on for new brokerage accounts? I know there were some in early January, but wasn't able to take advantage of them at that point in time. Now that I'm ready I'm not really seein...
by motorcyclesarecool
Fri Apr 03, 2020 6:41 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2119
Views: 372733

Re: Sign Up Bonuses

[Thread merged into here, see below. --admin LadyGeek] Just wondering if anyone knows of any current sign up bonuses going on for new brokerage accounts? I know there were some in early January, but wasn't able to take advantage of them at that point in time. Now that I'm ready I'm not really seein...
by motorcyclesarecool
Tue Mar 31, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 73
Views: 6027

Re: Online / Gun Dealer Recommendations

1. If you buy a gun online it still needs to be shipped to a local Federal Firearm Licensed (FFL) dealer to do the background check / transfer. Any FFL will price match if s/he has it in stock. Online dealers are more likely to have rare models, but its hard to save money by going online. 2. When it...
by motorcyclesarecool
Sat Mar 28, 2020 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Unicorn mortgage still just a dream
Replies: 29
Views: 4547

Re: Unicorn mortgage still just a dream

There certainly is on closing. I’ll have to ask about whether closing can happen with no way to record. Also, hard to do title research.
by motorcyclesarecool
Sat Mar 28, 2020 3:22 am
Forum: Personal Finance (Not Investing)
Topic: Unicorn mortgage still just a dream
Replies: 29
Views: 4547

Re: Unicorn mortgage still just a dream

We locked in at 2.875 on 30 year fixed refinance at our local credit union. They portfolio their mortgages. I am afraid that our current “stay at home” order will stop the closing for long enough to lose our rate lock. Our last closing (a while back) was done completely by FedEx. Is that a possibil...