Search found 353 matches

by msi
Sat May 19, 2018 2:13 am
Forum: Personal Finance (Not Investing)
Topic: How to find a realtor after relocating
Replies: 7
Views: 631

Re: How to find a realtor after relocating

Give Redfin a shot. They kick back some of their commission towards your closing costs.
by msi
Fri May 18, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Can which brokerage you choose for your accounts be a risk?
Replies: 11
Views: 1140

Re: Can which brokerage you choose for your accounts be a risk?

Hello Everyone, New here. I have entered my 40s and unfortunately waited to now to wake up and understand investing better. Trying to invest the full 18.5 to the 401k (with a generous employer match on top), been doing so for several years. I am looking at where to keep my other investment accounts...
by msi
Thu May 10, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Geico condo insurance (Homesite)
Replies: 7
Views: 676

Re: Geico condo insurance (Homesite)

For me, it was cheaper to have auto at GEICO and condo insurance at Farmers, even after the combined discount.

But I did have GEICO/Homesite for renter's insurance in the past, and they were cheap for that. Never made a claim, though.
by msi
Wed May 09, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Question on safety of ETFs
Replies: 32
Views: 2016

Re: Question on safety of ETFs

Here is an article that explains it better than I can. Specifically the part on the short selling is worrisome: https://www.caseyresearch.com/are-etfs-really-safe/ Another perspective, debunking that same paper referenced in the interview http://www.etf.com/sections/features-and-news/7721-can-a-hig...
by msi
Sat May 05, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: How do brokerages make $s on cheap index funds?
Replies: 57
Views: 4978

Re: How do brokerages make $s on cheap index funds?

They want you to have a cash balance with them somewhere, so they can profit off the difference between the low rate they pay and the high rate they earn themselves on your money. It could be a checking account they entice you to use with benefits in lieu of a decent interest rate, your sweep accoun...
by msi
Fri Apr 27, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Helping a niece begin investing
Replies: 13
Views: 1006

Re: Helping a niece begin investing

You could buy her a book on investing first and see how that does rather than starting with a contribution.
by msi
Fri Apr 27, 2018 3:48 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10756

Re: Amazon to raise Prime membership in US to $119 from $99

I'm going to keep paying for it. I read something on Doctor of Credit though to get the old price for a year by gifting yourself a membership while it's still at the old price https://www.doctorofcredit.com/amazon-to-increase-the-price-of-amazon-prime-to-119-from-99-on-may-11th/ I love Amazon Music,...
by msi
Fri Apr 27, 2018 3:42 am
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 2772

Re: Ikea Quality

I haven't had any problems with IKEA products in terms of structural durability, but the black-brown finish has worn on multiple IKEA desks (fixed with furniture marker). A similar issue happened on a storage cube-styled bookcase, which just had a thin black-brown colored veneer glued on to it (fixe...
by msi
Thu Apr 26, 2018 3:17 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 48
Views: 5136

Re: Consumer Reports: "Vanguard #1 on Service"

whodidntante: Thanks to Jack Bogle, Vanguard is the only mutual fund company owned by its shareholders. There is no conflict of interest or profits going to stockholders. It's an interesting question to speculate on why then then Vanguard's customer service is on average distinctly inferior to that...
by msi
Sun Apr 22, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 7502

Re: Do you buy new or used cars?

I used to lease until buying CPO for my current car. Really come out ahead this way.
by msi
Sun Apr 22, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: SEP-IRA questions
Replies: 2
Views: 276

Re: SEP-IRA questions

You could hold brokerage CDs in a SEP-IRA at Vanguard/Fidelity. Probably beat Ally's rates anyway.
by msi
Sun Apr 22, 2018 5:31 am
Forum: Personal Finance (Not Investing)
Topic: Interesting vs higher paying job
Replies: 40
Views: 3068

Re: Interesting vs higher paying job

Hello all, This might be a question without a precise answer, but I wanted to get different perspectives. Really, I want to hear if anyone here has been in a similar position, and what actions they took. I am a postdoctoral researcher in a STEM field , getting to the end of my project. I have two o...
by msi
Sun Apr 22, 2018 5:19 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 87
Views: 4996

Re: AAA? What to do in car emergencies?

Some carmakers include roadside assistance for free. Looks like Hyundai does for 5 years https://www.hyundaiusa.com/assurance/ro ... tance.aspx

As well, I'm sorry for your loss.
by msi
Fri Apr 20, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4912

Re: Factor in evaluating Physicians

My PCP received nearly $30k, yet I've never been prescribed a brand name drug in the 15+ years I've been seeing him. I feel so left out. :D

Don't forget to check your dentist, too. They're on here as well, though mine only received a whopping $12.
by msi
Thu Apr 19, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Buying BRK.B to save $94 annually on insurance?
Replies: 29
Views: 3231

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

Go for it. Besides the discount, I have a small capital gain from doing this when I switched to GEICO a couple years ago.
by msi
Thu Apr 19, 2018 2:39 am
Forum: Personal Consumer Issues
Topic: Perks of Owning Certain Individual Stocks
Replies: 28
Views: 3317

Re: Perks of Owning Certain Individual Stocks

Royal Caribbean gives onboard credit (varies based on length of cruise) for owning 100 shares.
by msi
Thu Apr 19, 2018 2:37 am
Forum: Personal Consumer Issues
Topic: landline solutions
Replies: 27
Views: 1631

Re: landline solutions

We have Ooma, and it's great. No issues with reliability, call quality, etc.

Although you can have it so that the only going costs are taxes/fees (~$4/mo here), Ooma Premier is $10/mo and adds a lot of features, like an additional line, robocall-blocking, etc.
by msi
Tue Apr 17, 2018 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 10441

Re: Wanting to leave Fidelity

For the last 8+ years I've had my checking, roth and 401k (solo) with Fidelity. I am really no longer happy with their service. The support is horrible. You cannot instantly link accounts, etc. The only think good is the Visa card. If I transfer my retirement accounts to Vanguard, they will require...
by msi
Thu Apr 12, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 10441

Re: Wanting to leave Fidelity

Asking for a deposit slip in 2018 with the rise of online banking is a bit much, particularly if people also have to provide a voided check.
by msi
Fri Apr 06, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: GE Microwave Weird Issue
Replies: 22
Views: 1926

Re: GE Microwave Weird Issue

We've had plenty of weird issues with GE appliances, though the microwave has been rock solid, and it doesn't have this issue.
by msi
Mon Apr 02, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: POLL: Breaking up with advisor
Replies: 54
Views: 7295

Re: POLL: Breaking up with advisor

Have never and would never use one.
by msi
Mon Apr 02, 2018 1:15 am
Forum: Investing - Help with Personal Investments
Topic: Too much cash...where to invest?
Replies: 13
Views: 2514

Re: Too much cash...where to invest?

I've been reading info on this forum for awhile and have found it interesting and helpful. My wife and I are semi-retired (62 and 58). We sold our home and relocated. We have about $240,000 sitting in a money market that came from the house sale proceeds. We have retirement accounts that are maxed ...
by msi
Sun Apr 01, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up a SEP IRA for a Single Member LLC
Replies: 4
Views: 385

Re: Setting up a SEP IRA for a Single Member LLC

I have a single member LLC in the state of Ohio. I am setting up a SEP IRA to contribute for 2017. My understanding is that I can set it up with SSN since it is single member. However, I am unclear whether I contribute with my personal or business bank account. Or does it matter since it single mem...
by msi
Sun Apr 01, 2018 12:40 am
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 50
Views: 4757

Re: Customer Service with Vanguard

To the person who stated Schwab does not offer a total international stock index fund. That's incorrect. They do and its SWISX. Yeah, but SWISX is just the EAFE. No emerging, no small caps, and no Canada. Contrast that with the total international funds at Vanguard and Fidelity, which do have them.
by msi
Sat Mar 31, 2018 6:12 pm
Forum: Investing - Theory, News & General
Topic: Old Guys Investing
Replies: 21
Views: 3193

Re: Old Guys Investing

Some time ago, I remember thinking 5% was low. Different world...
by msi
Sat Mar 31, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 11291

Re: What age is the best to give a child control of an inheritance?

DW and I are considering re-doing our wills. The last time we did this, our only child was an infant. She is now a college freshman. Our current will sets up a trust on our passing, and gives full control of the funds to DD at age 35. Now, I am wondering if that is the appropriate age. She is a pre...
by msi
Sat Mar 31, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Online meals, anyone do these?
Replies: 28
Views: 3212

Re: Online meals, anyone do these?

We really like Homechef, which is great because you can tell them you want lower carb meals. Recipes are excellent, and the meal prep is less hassle than Blue Apron.
by msi
Sat Mar 31, 2018 5:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard in the WSJ today
Replies: 57
Views: 7970

Re: Vanguard in the WSJ today

I've never had any of these problems with Vanguard.

It's very concerning, though. They need to get their act together.
by msi
Wed Mar 28, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 34
Views: 2877

Re: New 2019 RAV4 is now out - looks good

Is the bright orange trim in the interior an option, or all the models will have that? It's the main thing I don't like about the interior.
by msi
Sun Mar 25, 2018 4:22 am
Forum: Investing - Theory, News & General
Topic: How to deal with regret
Replies: 99
Views: 10650

Re: How to deal with regret

During the financial crisis, it was hard buying something only to see it plummet just days later. Many of us learned a lotttt about regret in those days...

But today anyone who did that was better off, even if the timing wasn't the greatest. Gotta put it in perspective.
by msi
Sat Mar 24, 2018 4:05 am
Forum: Personal Consumer Issues
Topic: Drink package on Royal Caribbean, worth it?
Replies: 73
Views: 6935

Re: Drink package on Royal Caribbean, worth it?

We've never paid for it on Royal Caribbean, but we did get it as part of a bundle with NCL, and it's nice to have. At 2-3 drinks/day, it doesn't make financial sense, but... you're on vacation, and it's pretty easy to drink more than that. At least on days when you're at sea. If you don't buy it, ke...
by msi
Wed Mar 21, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: Parking Business Cash - WHERE?
Replies: 21
Views: 2693

Re: Parking Business Cash - WHERE?

Look into opening brokerage account (Fidelity/Schwab etc) for business which will increase number of options that you have. What options exactly? Not looking to buy into index funds, stocks or bonds. The primary goal is keeping principal while not eroding to inflation. So very little, if non-exista...
by msi
Thu Mar 15, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: Rookie tIRA + E-Trade Question
Replies: 7
Views: 364

Re: Rookie tIRA + E-Trade Question

I've opened up a tIRA w/E-trade... on a few of the funds I want to invest in I see a note that says, "initial investment: $10,000" am I correct to assume that selecting that fund would require a minimum of $10,000 to invest? if so, that exceeds the annual contribution limit of $5,500. What am I mis...
by msi
Tue Mar 13, 2018 6:08 am
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4395

Re: Need help on car decision: Honda CRV vs luxury car used

I was wondering what Bogleheads thought at this price range what is the better car to get - new Honda CRV or 2-3 yr old premium SUV? What's nice about a new car is all the new latest technology. But a 2-3 yr old premium car could be very nice too. I buy Lexus RXs for under $30K and drive them into ...
by msi
Sun Mar 11, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 40
Views: 6065

Re: Finally Cutting the Cord - YouTube TV

We're using DirectTV Now with Amazon FireTV and no complaints. We got HBO free for a year through some promotion, and we also pay $9/mo for Showtime through Amazon Prime.
by msi
Sat Mar 10, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Anyone ever have success getting out of a lease?
Replies: 27
Views: 2081

Re: Anyone ever have success getting out of a lease?

It depends on state law. In NJ, landlords may only collect rent until they find a new tenant, and they have to make a reasonable effort to do so. After informing them, they cannot simply do nothing and collect for the remainder of the lease term while it's vacant. I was concerned about the same issu...
by msi
Sat Mar 10, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Schwab insists on hard inquiry on Equifax credit report !
Replies: 30
Views: 2812

Re: Schwab insists on hard inquiry on Equifax credit report !

Fidelity's Cash Management Account does a hard credit check at their discretion. I don't know how many people they actually do it for, though. Vanguard doesn't have any service remotely like what Schwab and Fidelity offer so I'm not sure why it is being mentioned. Is that if you want overdraft, or ...
by msi
Fri Mar 09, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 238
Views: 30296

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

But like so many too-good-to-be-true deals nowadays – Google, Facebook, et al. – subscribers are forking over far more than they might imagine. In fact, you and all the juicy personal data that can be squeezed out of you are the marketing-gold product." If I can effectively sell my location data to...
by msi
Wed Feb 28, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Dealership oil change worth it?
Replies: 69
Views: 5192

Re: Dealership oil change worth it?

An oil change is really not a complicated service, and any remotely decent mechanic can do it no problem. It's worth asking around and/or researching on Yelp to find a good one. As for other service, I've had two different Acura dealerships misdiagnose the same issue. The specialized knowledge they ...
by msi
Wed Feb 28, 2018 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Credit cards: 0% purchase versus cashback
Replies: 9
Views: 932

Re: Credit cards: 0% purchase versus cashback

I'm contemplating credit card strategies. I am in the UK, where the best cashback credit cards only pay 1% or 1.25%, so I am considering whether a 0% purchase card might be a better option. These cards allow you to run up a large balance over as long as 30 months, with no interest at all charged fo...
by msi
Tue Jan 09, 2018 1:11 am
Forum: Personal Consumer Issues
Topic: Longtime AT&T customer looking for MVNO cell provider
Replies: 30
Views: 3456

Re: Longtime AT&T customer looking for MVNO cell provider

I switched from AT&T to Ting (on their T-mobile GSM network), which is working out great. No issues with coverage, and way cheaper for my use.

I pay off my phones, do an Amazon trade-in, and then buy whatever new phone I want.
by msi
Sat Dec 30, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Can't reach Vanguard site with VPN on
Replies: 14
Views: 1170

Re: Can't reach Vanguard site with VPN on

I'm surprised you had no problems logging into Fidelity. There have been issues with Fidelity locking accounts after using certain VPN providers: https://www.reddit.com/r/personalfinance/comments/310355/fidelity_locked_my_account/ https://www.reddit.com/r/personalfinance/comments/51fexp/help_fidelit...
by msi
Tue Dec 26, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 3588

Re: Statefarm Auto Insurance goes up every 6 months without reason?

They used to do that for me, as did Progressive. Now I'm with GEICO, whose rate has declined at every renewal. YMMV.
by msi
Tue Dec 26, 2017 6:02 am
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard funds would work best?
Replies: 8
Views: 1184

Re: Which Vanguard funds would work best?

Hello fellow Bogleheads, I am new to the family! I'm 20 years old, no car debt, school all paid for already, no mortgage. Absolutely zero debt. That being said, I wanted advice on which funds to invest in, specifically with Vanguard. I've been reading a lot and found a few that caught my interest, ...
by msi
Thu Dec 21, 2017 3:12 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 90
Views: 13206

Re: Charles Schwab Experiences?

I'm trying to direct my mother away from Wells Fargo Advisors into Vanguard, but she is not interested in online banking or investing. So I'm having her check into Charles Schwab which has a local office where she lives. I've read Schwab is a reputable company, and wanted to reach out to ask of gen...
by msi
Thu Dec 21, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: Is there a reason to keep a Target Retirement Fund?
Replies: 17
Views: 2092

Re: Is there a reason to keep a Target Retirement Fund?

If target date funds help you avoid behavioral mistakes, then they're more than worth it. Many people would find it difficult when stocks plummet to sell bonds and buy more equities, and many will adjust their international allocation based on recent (out)performance.
by msi
Wed Nov 29, 2017 1:55 am
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 4539

Re: Paying for news?

I've been paying for WSJ digital, but not sure if I'm going to renew. I can't stand the op-ed section, and I think Bloomberg would work well enough.

I also used to subscribe to Barron's but haven't in years.
by msi
Wed Nov 29, 2017 1:50 am
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 71
Views: 5206

Re: best cordless drill??

I have a Bosch PS31. Light, powerful, and came with extra battery + carrying case.