Search found 2479 matches

by jjface
Wed Apr 11, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Self employed lost income car insurance settlement taxable?
Replies: 4
Views: 247

Re: Self employed lost income car insurance settlement taxable?

Do insurance companies usually withhold taxes in these situations when I am self employed? Is this a requirement or can I negotiate them to pay it gross?
by jjface
Wed Apr 11, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Self employed lost income car insurance settlement taxable?
Replies: 4
Views: 247

Self employed lost income car insurance settlement taxable?

Not sure if anyone can answer this. I was in a car accident and was not at fault. I am self employed and lost work due to the accident. The other driver's insurance company is paying damages for lost income and pain and suffering due to physical injuries. My doctor provided a note to state that my i...
by jjface
Mon Mar 12, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: jlcollinsnh - Stock Series
Replies: 14
Views: 2215

Re: jlcollinsnh - Stock Series

Personally I think "If you can" cannot be beat as an introduction to investing. https://www.etf.com/docs/IfYouCan.pdf Short and simple. If you want to go more complicated than that I wouldn't turn to Jlcollinsnh. Though I see he is pretty popular and some appreciate his style of humor. I find his in...
by jjface
Sun Mar 04, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: What are the Best Tablet to Read PDFs?
Replies: 29
Views: 2737

Re: What are the Best Tablet to Read PDFs?

Personally I would go nuts messing with files on an ipad. So much easier to deal with a proper file system and use microsd cards etc. Drop the files into your favorite cloud drive (eg Dropbox or Google Drive). Gives you a file system that you can access from anywhere, from any device. Just not the ...
by jjface
Sat Mar 03, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: What are the Best Tablet to Read PDFs?
Replies: 29
Views: 2737

Re: What are the Best Tablet to Read PDFs?

If all you are doing is reading pdfs of fairly small size 20-60 pages then you can do that on any of the major tablets with pens - surface pro, ipad pro, samsung s3. Personally I would go nuts messing with files on an ipad. So much easier to deal with a proper file system and use microsd cards etc. ...
by jjface
Fri Mar 02, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 25615

Re: Where to buy a Vanguard hat? An Update and good news

Sent a message yesterday and was told it was over. No mug for me :(
by jjface
Wed Feb 28, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Users-Experience So Far?
Replies: 37
Views: 2717

Re: Google Pixel 2 Users-Experience So Far?

Went through 4 pixel 2 xls before getting a good one.

Decided to switch to the smaller one anyway as I didn't like the 18:9 screen and rounded corners. It was a bit big for me too.

Love the pixel 2 (not xl)
by jjface
Mon Feb 26, 2018 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Splitting a cell phone bill
Replies: 35
Views: 2070

Re: Splitting a cell phone bill

We have to remember this is not a plan that is split equally x ways. It was an arrangement where the person pays the extra cost for their line. The cost of the extra line is now $25. So I would charge $25 unless I particularly want to subsidize this person. You are not obliged to continue giving it ...
by jjface
Thu Feb 22, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Employment for Immigrant Wife
Replies: 27
Views: 2592

Re: Employment for Immigrant Wife

Sorry to be so traditional and against modern thinking but...

Being a mom is a full time 'job' and is hard work.

Being pregnant is not the time to start thinking about career choices in my opinion. Just take the time to enjoy the baby and then take it from there.
by jjface
Wed Feb 21, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Alternate Internet Service - Philadelphia PA
Replies: 5
Views: 377

Re: Alternate Internet Service - Philadelphia PA

A mobile hotspot plan?

You won't get as many GB but it is an alternative. Depends what you mean by basic? And it may be just as expensive.
by jjface
Tue Feb 20, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 5981

Re: Multiple Offer situation/should we pull our offer?

Could be anything. Perhaps there was one bidder who asked for more time or they didn't get as many bidders they had hoped. Or perhaps they are trying to get people to up their bids. Just bid what you want if you want and not worry about it. As someone else said - tomorrow will be here soon enough an...
by jjface
Tue Feb 20, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: why Vanguard short-term bond instead of CD
Replies: 31
Views: 3880

Re: why Vanguard short-term bond instead of CD

Retail? CDs like from ally bank can offer some advantages as often the penalty to break them is much smaller than the benefit of investing in a higher yielding CD. Brokered CDs will be very similar to bond funds.
by jjface
Mon Feb 19, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle cashback bonuses?
Replies: 8
Views: 1291

Re: How to handle cashback bonuses?

No one here is going to be better at that decision than you. Treat yourself or not up to you.

Either way you are spending money whether from income or the bonus so doesn't matter where it comes from.
by jjface
Sat Feb 17, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Amica reocurring double digit increases in homeowners insurance
Replies: 37
Views: 3292

Re: Amica reocurring double digit increases in homeowners insurance

...others are reporting State Farm DECREASING their premium over the same period, My state farm policy is not decreasing and mirrors what your amica premiums have been doing - up up up. Not quite as steep as yours but double digits still. Grass isn't greener over on this side. I was thinking of swi...
by jjface
Thu Feb 15, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Reasonably Safe Funds
Replies: 33
Views: 2682

Re: Suggestions for Reasonably Safe Funds

Those bonds are losing value.... You just don't see it. You don’t understand bonds. If you buy an individual bond for $1000, then interest rates rise, the value of that bond falls to below $1000. Just because you don't mark it to market does not mean it's not happening. The value of the bond will t...
by jjface
Wed Feb 14, 2018 9:57 am
Forum: Investing - Help with Personal Investments
Topic: I've never rebalanced - Can I do ok without it?
Replies: 35
Views: 4520

Re: I've never rebalanced - Can I do ok without it?

I like rebalancing. It keeps risk in check. You pick an asset allocation to match your risk tolerance. If you are okay letting stocks drift from 50 to 60% then you either were too low to begin with or are not thinking enough about what you would feel if stocks started to plummet. What happens if sto...
by jjface
Mon Feb 12, 2018 7:30 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2018)
Replies: 28
Views: 3208

Re: madsinger monthly report (January 2018)

madsinger wrote:
Mon Feb 12, 2018 6:21 pm
Would anyone be interested in "mobile" sized charts?

Thanks,
Brad.

Thanks as usual. Reading this on a phone and looks fine to me. Just have to scroll right a bit but easier enough to read.

Please do keep the reports coming! Very useful.
by jjface
Mon Feb 12, 2018 7:30 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2018)
Replies: 28
Views: 3208

Re: madsinger monthly report (January 2018)

madsinger wrote:
Mon Feb 12, 2018 6:21 pm
Would anyone be interested in "mobile" sized charts?

Thanks,
Brad.

Thanks as usual. Reading this on a phone and looks fine to me. Just have to scroll right a bit but easier enough to read.

Please do keep the reports coming! Very useful.
by jjface
Mon Feb 12, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Vanguard LifeStrategy funds or 1 target retirement fund
Replies: 3
Views: 757

Re: 2 Vanguard LifeStrategy funds or 1 target retirement fund

Can you invest less often than monthly? 600 is a lot of money to be wasting. I'd consider 87.5% of your portfolio in the lifestrategy 80:20 and hold 12.5% in a bond fund. Gives you 70:30 overall. You'll probably find yourself contributing to just the bond fund rather than the lifestrategy fund with ...
by jjface
Sun Feb 11, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to Pension or Stay in Funds?
Replies: 7
Views: 655

Re: Switch to Pension or Stay in Funds?

I would want to know what would happen if I leave after 10 years vs 20 for example. It would be great if it was simply half the final pension but if there is a significant penalty for not being in the scheme a long time I would think hard about joining since there is a good chance you will leave for...
by jjface
Sun Feb 11, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Income performance
Replies: 16
Views: 2646

Re: Wellesley Income performance

You really need to compare Wellesley to alternatives with a similar asset allocation ie mix of fixed income and equities. Comparing to a 100% equity fund is meaningless. An all equity fund has much more risk and therefore higher expected return. YTD is also far too short a period to use for comparis...
by jjface
Sun Feb 11, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: 2 yrs to retirement - asset allocation?
Replies: 19
Views: 2688

Re: 2 yrs to retirement - asset allocation?

I would not ignore social security. Your husband is already at a age that he can take it now if he wants so there is little risk of you not getting it. You are not far off either. I suspect your combined social security at 67 would be pretty significant. Get an estimate. You sound like you are in a ...
by jjface
Sun Feb 11, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Help Sell FIRE to spouse
Replies: 31
Views: 3825

Re: Help Sell FIRE to spouse

Yes you can FIRE easily in my opinion. Let me spell it out simply. You have $77,500 for life from 67. So set aside 8 years * $77,500 from retirement at 59 to 67 = $620,000. That gives you $77,500 from 59 for life. Leaving you with $1m in your portfolio ignoring all the extras like work income and ho...
by jjface
Sat Feb 10, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: has anyone here tried to engineer a low-income-generating portfolio?
Replies: 18
Views: 1599

Re: has anyone here tried to engineer a low-income-generating portfolio?

Just enjoy your money and stop worrying about it. $5m congrats! You can always go for a health sharing ministry if you are that desperate to save health costs. And I imagine it won't be that long until medicare.
by jjface
Sat Feb 10, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 2985

Re: Getting Rid of Ants in the House?

I use this stuff - advion
https://www.amazon.com/Advion-Ant-Gel-I ... B014EIAAPS
You put it in their path, they bring to the colony and poof no more ants.

Works wonders.

I've tried many of the other suggestions and at my house this is what does the trick.
by jjface
Sun Feb 04, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 15113

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

Easy to recommend anything when all your living expenses are met already.
by jjface
Wed Jan 31, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house, 15yr vs 30yr loan?
Replies: 29
Views: 3299

Re: Buying a house, 15yr vs 30yr loan?

As long as you can afford a 15 year mortgage then pick whichever you prefer. It is okay to go with a 30 and invest the extra elsewhere.

If you can't afford a 15yr or it will be pushing things then consider less house.
by jjface
Tue Jan 30, 2018 2:26 am
Forum: Personal Finance (Not Investing)
Topic: Looking for an emergency cell phone to keep in car....
Replies: 35
Views: 2404

Re: Looking for an emergency cell phone to keep in car....

rec7 wrote:
Sun Jan 28, 2018 7:27 pm


I keep a cell phone in my winter jacket. I charge it up and it will last all winter. I use tello for a one time $10. You have to make one call every six months to keep it active. In the summer the weather in nice I figure I can walk to a pay phone.
Nb they changed it to 3 months.
by jjface
Sat Nov 18, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: iPhone vs Android longevity
Replies: 9
Views: 1207

Re: iPhone vs Android longevity

Iphones are updated for longer and tend to last longer before showing their age. The google pixel range is pretty good - 3 years of promised updates for the latest ones. The thing with android is that once they have stopped being updated they still work and there are a lot of options to install cust...
by jjface
Sat Nov 04, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 13388

Re: Got an iPhoneX

Does any of this matter? I will tell you there is no one perfect phone that will satisfy everyone - not even close.

Pick a phone you like and stop worrying about the rest.
Hate the iphone x - then return it or sell it. Try something else.
by jjface
Sat Nov 04, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: No true pay as you go [cellphone plan]
Replies: 63
Views: 6249

Re: No true pay as you go [cellphone plan]

Take a look at Truphone, which utilizes both the ATT and T-Mobile networks. Sorry to correct you - they are just ATT now. They stopped using Tmobile several years ago unfortunately!! I stand corrected: "Global SIM operator Truphone, which operates on AT&T and T-Mobile in the US, is dropping T-Mobil...
by jjface
Sat Nov 04, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 13388

Re: Got an iPhoneX

The iphone X is like a taller 5.2" normal screen. The width is about the same as a 5.2" phone like the nexus 5x. The iphone 8 plus has a 5.5" screen. Personally I don't like this whole trend towards these super tall screens. Just send it back and get an 8 plus if it bothers you. Some people really l...
by jjface
Wed Nov 01, 2017 12:20 am
Forum: Personal Consumer Issues
Topic: No true pay as you go [cellphone plan]
Replies: 63
Views: 6249

Re: No true pay as you go [cellphone plan]

cacophony wrote:
Tue Oct 31, 2017 2:20 am
Take a look at Truphone, which utilizes both the ATT and T-Mobile networks.
Sorry to correct you - they are just ATT now. They stopped using Tmobile several years ago unfortunately!!
by jjface
Fri Oct 20, 2017 6:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 129
Views: 34674

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

If you check out VG's institutional site, there's more info, including benchmarks, which might help with the domestic/international split. Click on each fund's link in the first paragraph, then click on the Fact Sheet in the right-hand column. https://institutional.vanguard.com/VGApp/iip/site/insti...
by jjface
Fri Oct 20, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 3372

Re: Best smartphone

Pixel XL

I also have a moto E4 and that is a great phone for the price. Camera isn't great though but everything else is good.
by jjface
Fri Oct 20, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 129
Views: 34674

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

Sorry if it is posted somewhere already but does anyone know the expected split between US and foreign holdings?
by jjface
Tue Oct 10, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 18412

Re: [Boglehead vs Mr Money Mustache philosophies]

The biggest difference is that Bogleheads usually want to work for longer. Probably not because they necessarily like working but because they consider it a necessity. They want to keep investing those earnings. It is mostly about maximizing investments. Many Bogleheads will be worried about retirem...
by jjface
Sat Sep 23, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 31119

Re: Iphone X is $1000

It is all relative. My cell plan costs $7.50 a month and some people pay $80 a month. I could buy an Iphone X and still be paying less. At the end of the day the real decision is whether picking an X over an iphone SE, 6S or 7 (or +) is worth it. You get a phone that is 90-95% of what the X is at a...
by jjface
Sat Sep 23, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: What phone carrier?
Replies: 16
Views: 2054

Re: What phone carrier?

Your verizon iphone SE will work on sprint/boost but it doesn't have LTE band 41 so won't get the very best speeds. It probably doesn't matter too much. If boost works why not switch to the free year of sprint unlimited. Costs about $3.5 a month in taxes and fees. Requires a hard pull since it is po...
by jjface
Fri Sep 15, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 31119

Re: Iphone X is $1000

It is all relative. My cell plan costs $7.50 a month and some people pay $80 a month. I could buy an Iphone X and still be paying less. At the end of the day the real decision is whether picking an X over an iphone SE, 6S or 7 (or +) is worth it. You get a phone that is 90-95% of what the X is at a ...
by jjface
Fri Sep 15, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Advice for lowering AGI/Taxable?
Replies: 51
Views: 6233

Re: Tax Advice for lowering AGI/Taxable?

MAGI just means a modified AGI. Every different agency/use can modify it however they wish. So do not use MAGI references for anything except the program for which you will be applying. I believe MAGI is a firm definition. Different states and agencies have the ability to approximate it to make inc...
by jjface
Fri Sep 15, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 31119

Re: Iphone X is $1000

Cash wrote:
Tue Sep 12, 2017 3:37 pm
GuitarXM wrote:
Tue Sep 12, 2017 3:36 pm
No new features.
That's just factually incorrect.
Yes I mean those animojis that follow your face. Wow. Not.
by jjface
Sat Sep 09, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Advice for lowering AGI/Taxable?
Replies: 51
Views: 6233

Re: Tax Advice for lowering AGI/Taxable?

You will probably want to get your agi down. Things are based roughly on MAGI these days (which = AGI for most) with some discretion to vary it slightly for states to make it easier to verify/estimate income from available sources. So your tools are mainly trad iras and TSP. Trad iras will lower ag...
by jjface
Fri Sep 01, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Advice for lowering AGI/Taxable?
Replies: 51
Views: 6233

Re: Tax Advice for lowering AGI/Taxable?

You will probably want to get your agi down. Things are based roughly on MAGI these days (which = AGI for most) with some discretion to vary it slightly for states to make it easier to verify/estimate income from available sources. So your tools are mainly trad iras and TSP. Trad iras will lower agi...
by jjface
Sat Aug 26, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 62
Views: 5336

Re: Desperate to get rid of mosquitoes, what else could we try?

You sound like me. I hardly go out in the yard now. Ready to move.

I put some mosquito repellant on my arm and a second later a mosquito landed on it and bit me while I sprayed the other!
by jjface
Mon Aug 14, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: "The Simple Path to Wealth" -- A Gem
Replies: 31
Views: 13850

Re: "The Simple Path to Wealth" -- A Gem

I think any book that recommends 100% stocks is dangerous - especially one meant for beginners. A lot of these bloggers are 100% stocks and maybe they can handle it but not many others. A lot started their blogs after 2008 too. Not sure when this one started. I skim many of the "FIRE" websites, and...
by jjface
Mon Aug 14, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: US Social Security Income Benefit For Non-Citizen?
Replies: 11
Views: 1789

Re: US Social Security Income Benefit For Non-Citizen?

You qualify for benefits but they will be reduced by the windfall elimination provision. If you gain 30 years in the usa you will get the full social security amount
by jjface
Sat Aug 12, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 37
Views: 4731

Re: Cheapest way to upgrade iPhones ?

Iphones have always been $600+ for the latest. Att just hid the cost in your monthly contract. Wise up and go prepaid - cricket or h20 or even att prepaid. What you save will more than cover the cost of the latest phone. Cricket also has discounted phones eg the iphone se 64gb for $240 or an iphine ...