Search found 313 matches

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: 3399

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: 1074

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: 3049

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: 1014

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: 89
Views: 12422

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: 1874

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: 4374

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: 4875

Re: best cordless drill??

I have a Bosch PS31. Light, powerful, and came with extra battery + carrying case.
by msi
Sat Nov 25, 2017 7:08 am
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 5957

Re: Etiquette question: Paying for meals out & out of town guests

You handled it just fine. They're the ones who should have offered.
by msi
Sat Nov 18, 2017 2:09 am
Forum: Investing - Theory, News & General
Topic: Scottrade to TDA
Replies: 24
Views: 2217

Re: Scottrade to TDA

Atilla wrote:
Thu Nov 16, 2017 3:45 pm
I'm waiting to see keep or rid of the flexible reinvestment program. I really love that feature about Scottrade.
They are getting rid of FRIP, sadly, as per their Facebook page.
by msi
Mon Nov 13, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 93
Views: 8079

Re: Spam calls to cell phone...

I use a free iOS app called 'Hiya' for blocking these. It works pretty well, though nothing is 100% perfect. Hiya is also available for android. I've been using it for 3 months and have noticed a significant drop in spam calls from 1-2/day to 1 every other week. If the number is on their blacklist,...
by msi
Sun Nov 05, 2017 2:00 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 93
Views: 8079

Re: Spam calls to cell phone...

I use a free iOS app called 'Hiya' for blocking these. It works pretty well, though nothing is 100% perfect.
by msi
Thu Sep 21, 2017 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 73
Views: 33668

Re: Is a security freeze at Innovis really needed?

Freezing Innovis is prudent for three reasons: 1. If perpetrators have difficulties with the big three credit reporting agencies, they'll target Innovis 2. Freezing Innovis is free 3. There is no need to unfreeze Innovis when applying for new credit Victoria If there's no need to unfreeze Innovis w...
by msi
Wed Sep 20, 2017 4:20 am
Forum: Personal Consumer Issues
Topic: Virtual Offices in NYC (Earth Class Mail?)
Replies: 3
Views: 635

Re: Virtual Offices in NYC (Earth Class Mail?)

There's always Regus, who I believe can do all of that, but they'll get expensive.
by msi
Mon Jul 31, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 73
Views: 6548

Re: Non Stick frying pan

I've tried Calphalon, T-fal, and the like, but Anolon has been by far the most durable and best performing.
by msi
Wed Jul 26, 2017 4:59 am
Forum: Personal Finance (Not Investing)
Topic: Top floor condo, water backup/overflow insurance?
Replies: 6
Views: 1052

Top floor condo, water backup/overflow insurance?

For a 3rd (top) floor condo, is water backup/sump overflow insurance necessary? How much would be appropriate? It's 2 bed/2 bath, built in the early 90's, and the HOA master policy covers not just the structure and common elements but also the replacement of each unit's appliances, flooring, carpet,...
by msi
Mon Apr 10, 2017 3:43 am
Forum: Personal Consumer Issues
Topic: BH thoughts on car insurance
Replies: 32
Views: 2783

Re: BH thoughts on car insurance

I switched from Progressive to GEICO for a lower rate, but no problems with either one.

I will say years ago Allstate was very difficult to deal with when it came to a claim.
by msi
Mon Apr 10, 2017 3:41 am
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 9602

Re: Dream vacation spots?

Not a "spot" per se, but I'd love to take an around the world cruise on a luxury ship. Lasts ~140 days and starts at $60k https://www.rssc.com/cruises/NAV180108E ... fault.aspx
by msi
Thu Jan 26, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Switching from AT&T post paid contract to GoPhone
Replies: 11
Views: 1893

Re: Switching from AT&T post paid contract to GoPhone

With GoPhone, H2O, and Cricket are there any issues with receiving delayed/missing text messages?

I know someone on a Sprint MVNO having that problem.
by msi
Fri Dec 30, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Luck with DirectTV Now?
Replies: 37
Views: 5756

Re: Luck with DirectTV Now?

In general I like DirectTV Now, but it does have buffering problems, which were worse in the first few days of its life but still exist. Far more buffering than Playstation Vue, and it's especially bad during prime time.

I'm using the latest generation Fire TV, not the stick, on 50mbps down cable.
by msi
Thu Dec 29, 2016 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Ideal fund for TLHing Intermediate Muni Fund?
Replies: 6
Views: 675

Re: Ideal fund for TLHing Intermediate Muni Fund?

Are there any gotchas with simply TLH'ing into VTEB (ETF version of Vanguard Total Tax-Exempt Index)? That is sort of a similar duration (little less than a year longer) and credit quality. I've just never done a TLH from a mutual fund into an ETF before.
by msi
Thu Dec 29, 2016 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Ideal fund for TLHing Intermediate Muni Fund?
Replies: 6
Views: 675

Re: Ideal fund for TLHing Intermediate Muni Fund?

Do what I did today, TLHing the same fund. I just exchanged to Prime Money Market. It's only 31 days so why take risks on your principal? I'm going to exchange it to Total International on a down day (TI was up today) but this allowed me to TLH this year without waiting for the perfect exchange. I ...
by msi
Thu Dec 29, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Ideal fund for TLHing Intermediate Muni Fund?
Replies: 6
Views: 675

Ideal fund for TLHing Intermediate Muni Fund?

I want to harvest a loss in Vanguard's Intermediate Term Tax-Exempt Fund. What would be the ideal fund to move the money into for 31 days, keeping very similar duration and credit quality? I don't want to miss any potential bounce back in muni prices.

Maybe VTEB or MUB?
by msi
Wed Dec 21, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: What are the REAL reasons to avoid international?
Replies: 71
Views: 6654

Re: What are the REAL reasons to avoid international?

You can use a currency hedged ETF if currency risk is a real concern to you. Have a look at DBEF and HEFA.
by msi
Mon Jul 18, 2016 3:12 pm
Forum: Investing - Theory, News & General
Topic: Another look at corporate bonds
Replies: 209
Views: 16803

Re: Another look at corporate bonds

But if today's interest rates are at unprecedentedly low levels, and treasuries are affected by market forces that never existed before, then why base the point on the past 90 years? It also seems like the timeframe ends with a bond bubble, which would lead to misleading conclusions.
by msi
Wed Jun 15, 2016 1:54 pm
Forum: Investing - Theory, News & General
Topic: Why am I so intrigued with the All Weather Portfolio
Replies: 6
Views: 2471

Re: Why am I so intrigued with the All Weather Portfolio

Some Bogleheads wrote a book about the Permanent Portfolio, which is similar. https://www.bogleheads.org/wiki/Craig_Rowland
by msi
Thu Jun 09, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit unions pull credit report and ask for driver's license #?
Replies: 11
Views: 1943

Re: Credit unions pull credit report and ask for driver's license #?

Do you get bombarded with junk mail offers for credit once you join the mentioned credit unions?

I just can't see how the income and employment data they ask for is just about verifying my identity.
by msi
Thu Jun 09, 2016 4:03 am
Forum: Personal Finance (Not Investing)
Topic: Credit unions pull credit report and ask for driver's license #?
Replies: 11
Views: 1943

Credit unions pull credit report and ask for driver's license #?

I was looking into opening a CD/share certificate at USALLIANCE, who was a 1.51% 18 month offer. On top of wanting to do a hard pull on my credit report, the join page asks for my driver's license #, gross income, and some other information I don't feel is quite necessary to *give* them money. I don...
by msi
Thu Mar 31, 2016 3:46 am
Forum: Investing - Theory, News & General
Topic: "One Vanguard, Many DFAs"
Replies: 16
Views: 3394

Re: "One Vanguard, Many DFAs"

Or should they use academic research to shape their funds so that they hold some market segments but not others?
If only academic research could predict future investment returns.
by msi
Sun Mar 20, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 5870

Re: Want to buy 2014 Acura TSX - turned in lease

I love my TSX. You don't really need the tech package these days with GPS apps on smartphones, but it's nice to have for the backup camera.

Also worth looking at a CPO Infiniti G37, Lexus IS, Lexus ES. I prefer Acura, though.
by msi
Wed Mar 16, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Banks which let you specify maturity options when opening CD
Replies: 4
Views: 644

Re: Banks which let you specify maturity options when opening CD

Thanks everyone. If anyone else knows more, please mention here.
by msi
Tue Mar 15, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Banks which let you specify maturity options when opening CD
Replies: 4
Views: 644

Banks which let you specify maturity options when opening CD

What banks allow you to specify, at the time you open/fund the CD, that you do not want it to autorenew? I'm aware of Barclays and Alliant so far. Ally only lets you do this in the year the CD matures. Any others? The rest all seem to only allow this election during the 7-30 day grace period as the ...
by msi
Sun Feb 28, 2016 4:25 am
Forum: Personal Finance (Not Investing)
Topic: Going to 30/70 (Target Retirement Income Fund) at age 33?
Replies: 44
Views: 6129

Re: Going to 30/70 (Target Retirement Income Fund) at age 33?

You might want to check out Zvi Bodie's books, which are meant for risk-averse investors. He'll recommend TIPS, series I bonds, and the like. And also have a look at Wellesley. You might feel psychologically more comfortable with a conservative, well-run, and almost entirely domestic fund with a lon...
by msi
Thu Feb 18, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for auto insurance, Ameriprise dropped me
Replies: 17
Views: 1861

Re: Looking for auto insurance, Ameriprise dropped me

I went from Allstate to State Farm to Progressive. And since switching to Progressive, they've been the cheapest every time I've compared quotes. The only thing I don't like is you can't pay your premium with American Express. Never had a problem with claims at Allstate or State Farm, though I've ne...
by msi
Thu Feb 18, 2016 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Have banks or CUs ever historically blocked early withdrawals from CDs?
Replies: 10
Views: 1193

Re: Have banks or CUs ever historically blocked early withdrawals from CDs?

I think the issue may be that any bank that is in good shape will routinely allow early withdrawals regardless of what the terms and conditions say, and that the reason for playing hardball would be that they are close to failing and can't afford to meet any withdrawals that they don't have to. To ...
by msi
Thu Feb 18, 2016 2:11 am
Forum: Personal Finance (Not Investing)
Topic: Have banks or CUs ever historically blocked early withdrawals from CDs?
Replies: 10
Views: 1193

Have banks or CUs ever historically blocked early withdrawals from CDs?

I've been reading older threads here and blog posts on depositaccounts.com about the fear some have of banks preventing early withdrawals from CDs. I'm aware of Fort Knox CU increasing the EWP terms after the fact, and Ally modifying their agreement to say "if we consent to an early withdrawal," but...
by msi
Thu Feb 04, 2016 6:21 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 137
Views: 14506

Re: Sibling's destination wedding?

Just go alone for a couple days. You're still showing up and you're saving money compared to bringing the whole family.
by msi
Tue Feb 02, 2016 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: CPA cost for handling Tax Return - Is this too much?
Replies: 18
Views: 3069

Re: CPA cost for handling Tax Return - Is this too much?

Mine was $690 last year here in NJ, which included schedule C and gift tax return. I give him my 1099's and spreadsheets, and he does the rest, answering whatever questions I have. Very intelligent and thorough guy. My old CPA who retired the year prior was always in the $500's from memory. His offi...
by msi
Mon Feb 01, 2016 2:00 am
Forum: Personal Finance (Not Investing)
Topic: Online Bank recommendation
Replies: 50
Views: 6989

Re: Online Bank recommendation

So you guys don't have an issue with slow ACH transfers at Ally? I've been thinking of opening an account, but that's a common complaint on depositaccounts and the like.
by msi
Fri Jan 29, 2016 4:30 pm
Forum: Investing - Theory, News & General
Topic: Tax Exempt Bonds
Replies: 5
Views: 1828

Re: Tax Exempt Bonds

I use Limited Term Tax Exempt for that, the rest in FDIC-insured savings.

You can always move some of it into CDs later if a really good promo rate comes along.
by msi
Tue Jan 26, 2016 7:46 pm
Forum: Investing - Theory, News & General
Topic: Any reason not to invest in a Vanguard fund that rebalances?
Replies: 41
Views: 4134

Re: Any reason not to invest in a Vanguard fund that rebalances?

Livesoft compared the performance of VSMGX (moderate growth) to the performance of the Admiral share class versions of the underlying funds https://www.bogleheads.org/forum/viewtopic.php?f=1&t=160958 and VSMGX very slightly outperformed in that time period. May not always happen, and Vanguard can an...
by msi
Sun Jan 10, 2016 4:05 am
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 123
Views: 21101

Re: Are any US-only investors having 2nd thoughts?

Listen. You are giving your opinion on currency risk here, it is not a topic with conclusive proof, and others have presented with plenty of counterarguments. I'm asking specifically about others' experiences with currency-hedged ETFs, not whether you think the product is necessary. Adults can disa...
by msi
Sat Jan 09, 2016 6:23 am
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 123
Views: 21101

Re: Are any US-only investors having 2nd thoughts?

Is anyone here using a currency-hedged international etf like HEMA/DBAW/HAWX/etc. for their international allocation? I found a paper https://www.aqr.com/~/media/files/papers/aqr-risk-without-reward-the-case-for-strategic-fx-hedging.pdf whose summary says: "We show that foreign currency exposure me...
by msi
Fri Jan 08, 2016 4:36 pm
Forum: Investing - Theory, News & General
Topic: The S&P 500 had a great year for foreign investors.
Replies: 20
Views: 3352

Re: The S&P 500 had a great year for foreign investors.

This has nothing to do with the S&P500. You would have achieved similar gains just leaving it in a US dollar bank account. Yes, that is quite obvious. But US investors jump for joy over good foreign stock returns even when the return is due only to a weak US dollar. Currency diversification helps s...
by msi
Fri Jan 08, 2016 4:11 am
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 123
Views: 21101

Re: Are any US-only investors having 2nd thoughts?

Is anyone here using a currency-hedged international etf like HEMA/DBAW/HAWX/etc. for their international allocation? I found a paper https://www.aqr.com/~/media/files/papers/aqr-risk-without-reward-the-case-for-strategic-fx-hedging.pdf whose summary says: "We show that foreign currency exposure me...
by msi
Fri Jan 08, 2016 2:06 am
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 123
Views: 21101

Re: Are any US-only investors having 2nd thoughts?

Is anyone here using a currency-hedged international etf like HEMA/DBAW/HAWX/etc. for their international allocation? I found a paper https://www.aqr.com/~/media/files/papers/aqr-risk-without-reward-the-case-for-strategic-fx-hedging.pdf whose summary says: "We show that foreign currency exposure mea...
by msi
Sun Jan 03, 2016 8:32 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 20474

Re: frustrating to keep investing in international/EM

Has anyone switched to a currency hedged ETF instead of Total International Index? Something like DBAW or HAWX (or the EAFE version, HEFA, where it is cheaper to hedge). If you want to be invested in international stocks, but don't want to take on currency risks, it seems like the way to go. I reali...
by msi
Sat Aug 22, 2015 4:06 am
Forum: Personal Consumer Issues
Topic: Non-Retirees: Scared about retirement?
Replies: 45
Views: 6707

Re: Non-Retirees: Scared about retirement?

Image

This lifecast sculpture by Duane Hanson sums up what I'm scared of when thinking about retirement.