Search found 428 matches

by pointyhairedboss
Thu Aug 06, 2020 12:57 pm
Forum: Personal Consumer Issues
Topic: New Toyota Highlander, 2020 vs. 2021
Replies: 58
Views: 3810

Re: New Toyota Highlander, 2020 vs. 2021

This site has depreciation curve for Toyota Highlander.

https://caredge.com/toyota/highlander/depreciation

The 2019 Toyota Highlander lost 20% of its value in 2020.
by pointyhairedboss
Thu Jul 16, 2020 4:23 pm
Forum: Personal Investments
Topic: Wells Fargo PMA increasing fees
Replies: 39
Views: 2914

Re: WellsTrade

I just got the letter, but the new changes don't take effect until Aug 31. --- Beginning August 31, 2020, certain benefits of your WellsTrade® account ending in _blah_, that is linked to a Portfolio by Wells Fargo® program, will change. What is changing These changes are in line with our current Wel...
by pointyhairedboss
Mon Jun 22, 2020 9:28 am
Forum: Investing - Theory, News & General
Topic: The long-term bearish case against real estate - both commercial and residential REITs
Replies: 20
Views: 1906

Re: The long-term bearish case against real estate - both commercial and residential REITs

Do people choose to live in the big city because that is where the jobs are? Or do employers reside in the big city because that is where the talent is? Amazon's second headquarter search lent weight to the latter. I suppose there are those that live in the suburbs and commute to the city. If the wo...
by pointyhairedboss
Thu Jun 04, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: can I shorten a pdf file?
Replies: 35
Views: 2075

Re: can I shorten a pdf file?

You don't need to install anything really. Just print the pdf and instead of selecting your printer, select "Save as PDF". Make sure to also select the pages you want to "print" (save) and you'll have your pared down pdf. Another vote for the above. The problem with freeware applications is that th...
by pointyhairedboss
Wed Mar 25, 2020 6:45 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 64322

Re: So bottom is probably behind us....right?

Not going to pretend that I have read every post in this thread, I have read about half, so apologies if I am echoing much of what has already been said... Ultimately this problem is the result of health issue and not some financial issue (bets on mortgage loans). Market recovery can't happen until ...
by pointyhairedboss
Tue Mar 17, 2020 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37892

Re: Turbotax 2019 on Amazon

Similar deal to what was posted earlier on this thread. For today (3/17/2020) only... Turbo Tax Deluxe + $10 amazon gift card for $39.99 https://www.amazon.com/TurboTax-Software-Amazon-Exclusive-Download/dp/B085FV174G Found on The Cheapskate https://www.cnet.com/cheapskate/ https://www.cnet.com/news...
by pointyhairedboss
Sun Mar 15, 2020 7:56 pm
Forum: Investing - Theory, News & General
Topic: So what does shutting down the US economy for a few months look like?
Replies: 200
Views: 15310

Re: So what does shutting down the US economy for a few months look like?

Clearly you are not yet in an area where this has fully developed. Schools are closing for a month. Some are closed indefinitely. Governments are talking about near lockdown where all non-essential business is closed. Supply chains will be severely disrupted. Grocery stores in our area have already...
by pointyhairedboss
Fri Mar 06, 2020 4:56 pm
Forum: Personal Investments
Topic: Parents retiring with $500k saved - Things look OK?
Replies: 83
Views: 10025

Re: Parents retiring with $500k saved - Things look OK?

The Finance Buff (https://thefinancebuff.com/blog), reputable poster on Bogleheads, provides a service for finding "Advice Only" advisers in your area. https://adviceonlyfinancial.com/ "Advice Only" is defined as: Advice-Only means you pay a financial advisor for advice, and only the advice. The adv...
by pointyhairedboss
Mon Mar 02, 2020 3:50 pm
Forum: Personal Consumer Issues
Topic: Need a cheaper cell phone plan
Replies: 56
Views: 4616

Re: Need a cheaper cell phone plan

Another recommendation for RedPocket (https://www.redpocket.com/) - They have plans for all four carriers (Verizon, AT&T, Sprint, and TMobile) - In addition to the monthly plans outlined at their site, check their red pocket store on EBay (https://www.ebay.com/usr/redpocketstore) for deals on annual...
by pointyhairedboss
Fri Jan 10, 2020 1:49 pm
Forum: Personal Investments
Topic: TurboTax with Nanny Tax
Replies: 2
Views: 289

Re: TurboTax with Nanny Tax

This is exactly what I needed.

Thank you so much.
by pointyhairedboss
Fri Jan 10, 2020 11:06 am
Forum: Personal Investments
Topic: TurboTax with Nanny Tax
Replies: 2
Views: 289

TurboTax with Nanny Tax

We hired a nanny this year. We have enrolled in a payroll service (Poppins Payroll) which has been taking care of the quarterly payments and (if i understand this correctly) will generate a Schedule H. I intend to complete my taxes using Turbo Tax - the installable version, not the online version. M...
by pointyhairedboss
Wed Dec 11, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Amazon Firestick Universal Remote
Replies: 8
Views: 438

Re: Amazon Firestick Universal Remote

This is not a direct answer to the original question but a workaround for controlling the Amazon stick if you don't have the remote for your Amazon stick nearby. The workaround is to use your tv remote. Many of the commands available on the stick will work with equivalent tv remote. I am not suggest...
by pointyhairedboss
Tue Dec 10, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: Commission free ETF and Stock trading at WellsTrade
Replies: 18
Views: 779

Re: Commission free ETF and Stock trading at WellsTrade

My Dad's Trust was with Wells Fargo Advisors until a year ago when we converted it to a Wells Trade Account. Since he had a PMA account, we got a letter saying $2.95 trades were available if we called a specific number to have that linkage made. Without that linkage, the std trade was $4.95. IMO, t...
by pointyhairedboss
Mon Nov 11, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Questions re mobile virtual network operators (MVNOs)
Replies: 7
Views: 458

Re: Questions re mobile virtual network operators (MVNOs)

I have never signed up directly with the big four. I have been an MVNO user for my entire cell life. I don't have any disagreement with most of the answers given so far. Some additional anecdotes: For my present (Red Pocket) and prior MVNO (Twigby), both good MVNOs btw, I contacted and interacted wi...
by pointyhairedboss
Wed Oct 23, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: BofA credit card compromised, but they won't say how
Replies: 15
Views: 1537

Re: BofA credit card compromised, but they won't say how

Likely that a merchant had its online security/credit card processing compromised, alerted the banks under the condition of anonymity, and the bank canceled the cards of every customer that had a transaction at that merchant during the relevant time range. If the bank doesn't agree to the anonymity,...
by pointyhairedboss
Tue Sep 03, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Some Computer Science Career Advise?
Replies: 56
Views: 5245

Re: Some Computer Science Career Advise?

Another software developer here. Here are my axioms to having a good CS career. Companies do not always notice when an entry level dev has moved up to the next level. You sometimes have to job hop to be viewed and paid as something other than a junior dev Focus on maintaining a marketable skill set....
by pointyhairedboss
Wed Jul 10, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Turkish Airlines ?
Replies: 49
Views: 4444

Re: Turkish Airlines ?

I had a so-so experience with Turkish Airlines. We were using Turkish Airlines to go from the US to Italy with a layover in Turkey. We bought the tickets quite a bit in advance. We were happy to have a small layover window. Something like 3 hours. At some point, Turkish Airlines switched our returni...
by pointyhairedboss
Mon Jul 08, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 6522

Re: 2019 Subaru Forester Eyesight System?

I just bought a new Subaru Impreza with Eyesight. Love the adaptive cruise control feature. This alone is worth the price of Eyesight. Love the ability to set the trailing distance that determines when to adapt. Not yet a big fan of the lane departure assist. I found myself fighting with the steerin...
by pointyhairedboss
Tue Jun 18, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: FIOS cost after initial deal ?
Replies: 10
Views: 1079

Re: FIOS cost after initial deal ?

I have found the two year price guarantee is usually just a restriction on you and not them. Sure, your base cost will freeze, but there are so many line items on the bill, they can just raise the price of another line item. Additionally, they never really inform me of a change in price. The price v...
by pointyhairedboss
Sun Jun 02, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best
Replies: 35
Views: 4187

Re: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best

To prevent tracking, one easy thing you can do that will work on any browser and does not require any browser plugins is to disable 3rd party cookies. I am using a chrome plugin called cookie auto delete. The plugin will allow your browser page to accept all cookies, but the instant you leave the pa...
by pointyhairedboss
Fri Apr 05, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Submitting Backup Offer on Home
Replies: 35
Views: 2647

Re: Submitting Backup Offer on Home

If you really want the house, and you were comfortable with your offer, I would definitely submit the same offer as a backup offer. You have nothing to lose. The seller may be disillusioned by the seemingly high prior offer that turned to be problematic and may want to avoid the hassle of putting th...
by pointyhairedboss
Tue Jan 08, 2019 12:03 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]
Replies: 145
Views: 11194

Re: More Nanny State From Vanguard

The term "nanny state" not only does not apply to Vanguard, it is very politically charged. Not cool here. Disagree, this term is being used in an investment context, not a political context. While some might not agree with poster's assertion, they knew what the poster was getting at. Its very obvi...
by pointyhairedboss
Thu Dec 27, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Buying house - Advice requested
Replies: 39
Views: 4319

Re: Buying house - Advice requested

So hotrodz, just to clarify, did you make the offer in Texas directly to the homeowner or to the homeowner's (selling) realtor? If it was the latter, isn't that the conventional and common way of doing things if you find a property online? Meaning you simply make an offer to the listing realtor wit...
by pointyhairedboss
Thu Dec 27, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Buying house - Advice requested
Replies: 39
Views: 4319

Re: Buying house - Advice requested

Also once a buy-side agent has been selected, is it recommended to do the open-house tour with the agent and not directly go by making a booking via redfin/zillow? Thank you! Yikes, be careful here. If you already have an agent, and you then visit a house with RedFin, or if you ask the listing agen...
by pointyhairedboss
Mon Dec 10, 2018 6:45 pm
Forum: Personal Investments
Topic: HAINX - Harbor International
Replies: 12
Views: 1429

Re: HAINX - Harbor International

A little background for those unfamiliar with Harbor International. Harbor International was one of those few actively managed funds that managed to outperform on a regular basis. Unfortunately, Hakan Castegren, the fund manager, died in 2010. The fund's performance has declined after Castegren's de...
by pointyhairedboss
Mon Dec 10, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance through employer or third-party?
Replies: 21
Views: 1238

Re: Health Insurance through employer or third-party?

Option 5: Put all three of us on my work plan, but double-cover my wife with her grandfathered plan: $397.84 Do note, double coverage doesn't work as one might intuitively expect. You might expect to be able to use either plan for any given medical cost so long as you don't double charge. It doesn'...
by pointyhairedboss
Mon Dec 10, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance through employer or third-party?
Replies: 21
Views: 1238

Re: Health Insurance through employer or third-party?

Another question to ask...Are there coverage limits for the pre-ACA plan? Nearly every pre-ACA plan had lifetime coverage limits, often $1M. That’s one of the things ACA compliant plans can’t do. If the plan has a lifetime limit, how hard would it be to switch to an ACA compliant plan before the co...
by pointyhairedboss
Fri Dec 07, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 5867

Re: Robot Vacuum Cleaner?

Jumping into the party a little late. I don't have a product recommendation, but based on my experience with a very old Neato robot vac, I have a few comments about what to look out for in a robot vac. The ideal robotic vac should not require much supervision. You want a vac that can be trusted to r...
by pointyhairedboss
Sat Nov 24, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Best MVNO for Verizon Network - any updates?
Replies: 30
Views: 2671

Re: Best MVNO for Verizon Network - any updates?

Also, so far, the only things I know of that VZ has that others dont is the NFL pass and visual voicemail. While all carriers prioritize their own users over MVNO users, Verizon is notorious for deprioritization of MVNO users with data speeds limited to just 5 Mbps download and 2 Mbps upload. Latel...
by pointyhairedboss
Wed Oct 31, 2018 11:56 am
Forum: Personal Investments
Topic: Backdoor Roth for $ deposited in January
Replies: 5
Views: 351

Re: Backdoor Roth for $ deposited in January

I want to help her backdoor that money into a Roth IRA, but I’m not sure if we simply transfer $5500 to her Roth account from the tIRA, or call the brokerage and ask what the principal for that January deposit currently is, and transfer that amount. With all the market turbulence, it may have been ...
by pointyhairedboss
Fri Oct 05, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Washington, DC Trip & Fine Dining in the Area
Replies: 19
Views: 1811

Re: Washington, DC Trip & Fine Dining in the Area

Like other posters I think dc has some great places. Tom sietsema is usually spot on. Rasika is great. The inn at little Washington (about an hour outside dc) is amazing! You'll have plenty of good options to enjoy Inn at Little Washington was just awarded three Michelin stars. The chef is legendar...
by pointyhairedboss
Fri Oct 05, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Washington, DC Trip & Fine Dining in the Area
Replies: 19
Views: 1811

Re: Washington, DC Trip & Fine Dining in the Area

Recommend the Penn Quarter area of DC. Its an area with many quality restaurants: Rasika - Indian Momofuku (w Milk Bar embedded) - Chang's DC location The Jose Andrés tapas options: Jaleo - Spanish Oyamel - Mexican Zaytinya - Turkish, Greek and Lebanese China Chilcano - Asian/Peruvian fusion Cuba Li...
by pointyhairedboss
Thu Sep 27, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 5581

Re: How to pay for upcoming medical / IVF expenses

#2 - Be ready for the high probability of a multiple pregnancy if it does work - with all the extra health concerns and costs (both during the pregnancy and later of raising multiples). Some fertility doctors will strongly recommend one egg per transfer for this reason. Ultimately its up to the pat...
by pointyhairedboss
Thu Sep 27, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 62
Views: 7754

Re: How to buy a mattress

I purchased a mattress from Mattress Discounters, a brick and mortar retail franchise in my area. The price markups on the mattresses were outrageous. They would instantly take 15% off if you just said, "I am not sure if I want to buy today". Eventually we came to an agreement on a mattress for a pr...
by pointyhairedboss
Sun Sep 23, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 5581

Re: How to pay for upcoming medical / IVF expenses

You might also want to factor the timing of your medical procedures against your insurance deductible. So for example, if you have already hit your out-of-pocket maximum this year, and if there is enough time to complete an expensive medical procedure by the end of the year, than your insurance will...
by pointyhairedboss
Sun Sep 23, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 5581

Re: How to pay for upcoming medical / IVF expenses

Until you can pay cash for it, you can’t afford it. $20,000 is just the starting point. Be prepared to spend more ($30,000 - $50,000) than you think because once you start, you will keep going and following instructions from the REI doctor until you have your baby. There is big money involved and m...
by pointyhairedboss
Sun Sep 23, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 5581

Re: How to pay for upcoming medical / IVF expenses

$20K sounds low. IVF is extremely expensive. Transfers do not always work on the first attempt. You should inquire about the cost of: - freezing embryos for future transfers - future transfers with those frozen embryos These costs presume you will have extra embryos to spare from the first extractio...
by pointyhairedboss
Sat Sep 22, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Sprint to Tello or something else?
Replies: 4
Views: 478

Re: Sprint to Tello or something else?

As Sprint can only compete on price, Sprint MVNO's are where most of the good deals are. Various MVNOs have plans that optimize around different data/voice usages. A good deal for one poster may be a sub-optimal deal for you if you have different data and voice needs. While the two plans below have ...
by pointyhairedboss
Sat Sep 22, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Sports fan trying to cut cable
Replies: 11
Views: 1099

Re: Sports fan trying to cut cable

The one area of sports coverage that will be hard to find are local games that aren't being broadcast nationally - MLB, NBA, and NHL come to mind. If you live within a reasonable distance from an urban area, you can try a tv antenna. That would only cover games broadcast on over the air channels. NF...
by pointyhairedboss
Sat Jul 07, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Term life contract
Replies: 6
Views: 690

Re: Term life contract

I am in a similar position to the original poster. A blog I recently read suggested setting up multiple policies in such a way that no single policy is bigger than the guaranteed amount by the state guarantor. So if my state guarantor will guarantee up to $500K, than I should setup two term insuranc...
by pointyhairedboss
Fri Jul 06, 2018 3:55 pm
Forum: Personal Investments
Topic: Anybody use Personal Capital to advise them?
Replies: 23
Views: 5322

Re: Anybody use Personal Capital to advise them?

BlueRidgePro wrote:
Fri Jul 06, 2018 9:56 am
Two thoughts:

They are in business to make money - where does that come from? You?

If they had a sure-fire way to invest for profits. why would they share it with you, instead of investing their own money?
Wouldn't that apply to just about any investment advisory business?
by pointyhairedboss
Wed May 09, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 147
Views: 22162

Re: Warning: avoid Windows 10 update 1803

Updated my laptop today, Windows deleted Dolby Home Theater software from my laptop without permission. I don't think this was Microsoft software. Who gives them the right to delete software from my machine? (yea, I know, some EULA that I likely signed on OS install)
by pointyhairedboss
Sat May 05, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Real estate agents - claim thousands of ready buyers??
Replies: 19
Views: 2258

Re: Real estate agents - claim thousands of ready buyers??

Frankly Real Estate is a good site to query MLS info in the DC/DMV area Here is Lahay's actives and under contracts: http://frankly.com/default.aspx?m=R&s=(Lister_122967+%2c+Buyer_122967)&l=0&h=ALL Notice more than half of the listings have been on the market for 42 days or more. Also consider that ...
by pointyhairedboss
Sat May 05, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Real estate agents - claim thousands of ready buyers??
Replies: 19
Views: 2258

Re: Real estate agents - claim thousands of ready buyers??

Jonathan Lahay commercials in DC are played all the time. I had the same question as the OP - where does he get his exclusive database of home buyers? I know its just a sales pitch, but I am still curious the basis of the statement. Personally I think its a weak commercial. If Jon has this large dat...
by pointyhairedboss
Thu May 03, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commissions - How Negotiable?
Replies: 31
Views: 2821

Re: Real Estate Commissions - How Negotiable?

Do also ensure that the commission is the sole way you compensate your agent for their service. They might add admin fees to the final tally to make up for the lower commission you negotiated.

http://blog.franklyrealty.com/2007/02/395.html
by pointyhairedboss
Thu May 03, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commissions - How Negotiable?
Replies: 31
Views: 2821

Re: Real Estate Commissions - How Negotiable?

If I were to negotiate commissions with a seller agent, I would be leery of coming up with just one number for the real estate commission. What if, for example, you agreed to a 5% commission and the agent than kept 3% for himself and gave only 2% for the buyer's agent? I would instead aim to come to...
by pointyhairedboss
Sat Apr 28, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 5031

Re: How stressful is buying a home?

I have found it stressful when buying a house. Its a result of my slight distrust of professionals and my inability to satisfice. I spent a lot of time researching the professionals that would work for me during the process. I found my own agent, lenders, and house inspector. The easier path would h...
by pointyhairedboss
Sun Feb 18, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard REIT fund changes objective, name & index
Replies: 21
Views: 5196

Re: Vanguard REIT fund changes objective, name & index

Permit me the dumb question - will the changes make the Vanguard REIT correlate more or less with the total stock market than previously?
by pointyhairedboss
Sat Feb 17, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Barron's-The Latest Casualty in the ETF Fee War—Objective Advice-Mentions Vanguard ETFs and new TD policy
Replies: 11
Views: 1578

Re: Barron's-The Latest Casualty in the ETF Fee War—Objective Advice-Mentions Vanguard ETFs and new TD policy

Concerning the link, by default, I got the article teaser page. I had to do the google news referrer trick to get the full article.
by pointyhairedboss
Fri Sep 01, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 169
Views: 38821

Re: The Wall Street Journal to close Google loophole entirely

I am not happy with Google News for having links to articles that I can't access unless I subscribe. At least make the pay links distinguishable from the free links so I know which links to avoid.