Search found 2558 matches

by jjface
Fri Dec 07, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: My ACA premiums went up 128% in 2019 anybody else get hit with big increases
Replies: 21
Views: 3364

Re: My ACA premiums went up 128% in 2019 anybody else get hit with big increases

Mine went up in a similar manner. Did the same last year. All the good ones raise prices and then leave the marketplace. The ones left in my state are either expensive or by a provider that also does medicaid. You probably could find something cheaper by switching to a different provider. That is wh...
by jjface
Thu Oct 25, 2018 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Adjust Withdrawals For More Money in Your 60’s-70’s
Replies: 19
Views: 2105

Re: Adjust Withdrawals For More Money in Your 60’s-70’s

As for spending more in one's 60s and 70s, I would do the following. To get, let's say, $15,000 more per year from 62 to 78, I would put ((78 - 61) X $15,000) = $255,000 into a high-interest savings account, CDs, or a short-term bond fund and withdraw 1/17 of the balance at 62, 1/16 of the balance ...
by jjface
Tue Oct 23, 2018 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Confused on Currency exchange
Replies: 10
Views: 855

Re: Confused on Currency exchange

What he is saying is that the same ETF could be listed in different currencies but the actual fund itself - the underlying assets is what matters. So lets say you take a AUS dollar denominated S&P 500 fund and a regular US denominated S&P 500 fund. Say the AUS : USD exchange is 2:1 for simplicity. S...
by jjface
Mon Oct 22, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: UK capital but US resident alien
Replies: 8
Views: 603

Re: UK capital but US resident alien

The simple answer is to move your money to the US and transfer to $ and invest in US etfs/mutual funds. It avoids PFIC issues as well as reporting of foreign accounts in subsequent years. If you plan to move back to the UK then you may want to narrow your list of investments to those on the UK repor...
by jjface
Mon Oct 22, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Pixel phone: can't make or receive calls but data works
Replies: 9
Views: 805

Re: Pixel phone: can't make or receive calls but data works

Try the sim in another phone to make sure it isn't the sim. And yes trying another sim in the pixel could highlight if it is the phone. Do you have a limited minute plan? Maybe you ran out? Or an unlimited plan and used over their fair usage and got blocked? Contact H20 to find out. Hard reset might...
by jjface
Sat Oct 13, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Any Fidelity Puritan Fund (FPURX) investors?
Replies: 11
Views: 536

Re: Any FPURX investors?

I happen to know what it is because I found it when I once went looking to see if Fidelity had a counterpart to Wellington. It stands for the Fidelity Puritan Fund. A fairly old, actively managed balanced fund, a bit more aggressive than Wellington, around 65/35 or so... and it happens to have beat...
by jjface
Fri Oct 12, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Electric Lawn Mower Advice
Replies: 17
Views: 1019

Re: Electric Lawn Mower Advice

I would advise getting a second battery. I found I needed 2. But otherwise it is a great mower.
by jjface
Tue Oct 09, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6
Replies: 15
Views: 1040

Re: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6

Republic wireless is sprint service. Sprint sucks in my town. If I were you, I pick up a used unlocked LG G5 or LG G6 (AT&T or tmobile variant) at eBay ($80-180) which will smoke any of phones you mentioned by far with better processor and camera and use mint mobile (using tmobile) $15/mo for unlim...
by jjface
Mon Oct 08, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4449

Re: New Car: No Collision/Comprehensive?

If you have ever had to deal with someone else's insurance company after an accident then you will know the value of collision/comp insurance. Heck I have even changed my tune about dropping this type of insurance on an older car as well. I would only drop it if I couldn't afford it.
by jjface
Sat Oct 06, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Income (US vs Europe)
Replies: 55
Views: 3856

Re: Income (US vs Europe)

Yes definitely higher salaries in the USA for middle class jobs. I think many Europeans get the impression that all Americans are rich and all of America is abundant but it really isn't the case. There is a lot more disparity between the rich, middle and poor. But yes BHs do tend to have higher sala...
by jjface
Sat Oct 06, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Advice on Three-Night English Road Trip
Replies: 30
Views: 2120

Re: Advice on Three-Night English Road Trip

Yes as others have pointed out it that is a packed schedule there. If you are not going to spend quality time at a place like stonehenge then just admire it as you drive past along the road. Chances are you will be in a mini traffic jam around stonehenge anyway. It isn't really a short visit kind of...
by jjface
Tue Oct 02, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5790

Re: Root of Good's cost of raising a child: $3,300 per year

Wow the hate here is intense. He spends little and you spend lots. So what. Personal choices. I think it is important that people see that you can live a great life without spending a lot of money. Calling BS because you can't personally achieve or want to achieve his low level of spending is silly....
by jjface
Tue Oct 02, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 8129

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

Whilst researching myself a couple of points to note: Ring is ATT and there are no glass break sensors. Very low fee. Especialy good value if you have their cameras/doorbell too. Simplisafe is more expensive especially if you want the upgraded service with app support. It does work with tmobile/veri...
by jjface
Sat Sep 29, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7124

Re: Got my new Iphone Xs

moneyman11 wrote:
Fri Sep 28, 2018 11:40 am
mrgeeze wrote:
Thu Sep 27, 2018 4:29 pm
Man, what a computer!!
Phone work's great also.

I love that you call it a computer. Everybody should, because that's exactly what it is.
The "phone" is just another application that runs on it.

What's a computer?
by jjface
Fri Sep 28, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7124

Re: Got my new Iphone Xs

I have a max coming today and will be interested to see the difference from my 6s. I was recently reading that some folks with the new Xs phones are complaining about how long it takes to charge the phone up to 100%. Have you noticed an increase in charging time? I think some people were reporting ...
by jjface
Fri Sep 28, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16179

Re: iPhone XS Max

I always find it funny when people get all uppity about the new iPhones. The fact is that the phone is likely the number 1 used piece of equipment/device/accessory/etc. by nearly everyone in the country besides their bed. If you think it is too expensive just buy a cheaper alternative, but don’t co...
by jjface
Fri Sep 28, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16179

Re: iPhone XS Max

My Nexus 6p which was three years old needed a new battery. I took it to Batteries + and from then on it would only work on Wi-Fi. In the past I have had a two Samsung Galaxies and a few Tracfones. Yesterday, I purchased the Xs. The Nexus 6p (about the size of the Max) was too large for me and when...
by jjface
Tue Sep 25, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 46
Views: 3456

Re: How to buy a mattress

My wife and I really like our saatva mattress. They are more expensive than mattresses in a box (caspar, tuft and needle etc) as they are traditional innerspring type mattresses combined with various foam layers. You buy online and they ship to you, set up and remove the old one. Definitely worth t...
by jjface
Tue Sep 25, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 46
Views: 3456

Re: How to buy a mattress

My wife and I really like our saatva mattress. They are more expensive than mattresses in a box (caspar, tuft and needle etc) as they are traditional innerspring type mattresses combined with various foam layers. You buy online and they ship to you, set up and remove the old one. Definitely worth th...
by jjface
Sat Sep 22, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16179

Re: iPhone XS Max

No matter what anyone says $1100+ is outrageous. You can try to justify it all you like and in fact apple love it when you do. That is what has helped them be so successful and rich. Keep buying guys and girls so my TSM will rise. Maybe I should just buy apple stock after reading some of these comme...
by jjface
Sat Sep 22, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Sprint to Tello or something else?
Replies: 4
Views: 262

Re: Sprint to Tello or something else?

Twigby are great. I've used them before and was happy. It has verizon roaming for talk/text but no international roaming. You could consider Project fi if international roaming is important to you. Though talk text plus 2gb of data would set you back $40 + tax anyway and you'd need a compatible phon...
by jjface
Fri Sep 21, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: New [Vanguard] environmental, social, governance (ESG) ETFs
Replies: 25
Views: 1961

Re: New [Vanguard] environmental, social, governance (ESG) ETFs

Awesome thanks vanguard. Yes we can argue all day on what should or should not be excluded but if you care so much about including things like nuclear power vs excluding things like tobacco then clearly ESG investing is not for you. No problem choice is great and we don't all have to agree. Personal...
by jjface
Wed Sep 19, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5578

Re: State Farm nickel-and-diming me

Not sure why you aren't getting your insurance company involved. It's not like they can not find out about it. Some policies require you to report all claims. I don't know if it works differently in different states or with different insurance companies but in a recent accident I had (other driver ...
by jjface
Tue Sep 18, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5578

Re: State Farm nickel-and-diming me

Not sure why you aren't getting your insurance company involved. It's not like they can not find out about it. Some policies require you to report all claims. I don't know if it works differently in different states or with different insurance companies but in a recent accident I had (other driver ...
by jjface
Tue Sep 18, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Prepaid SIM card with longest expiration dates
Replies: 4
Views: 405

Re: Prepaid SIM card with longest expiration dates

Will a free google voice number not work?

Best sim is truphone. Credit does not expire but you have to make one call/text every 180 days per the terms. They never enforce the rule though. You have to pay $30 upfront for the sim and that includes $15 credit.
https://www.truphone.com/us/consumer/sim/
by jjface
Sun Sep 16, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Cheapest smartphone option for 2 weeks
Replies: 12
Views: 901

Re: Cheapest smartphone option for 2 weeks

Depends how much you will use in 2 weeks eg if you are a data hog then this won't work: https://www.qvc.com/Tracfone-LG-Rebel-3-with-1200-Min-Text-Data-%26-1-Yr-Service.product.E232257.html Or if you have a phone number you can port in then cricket offers a free moto E5 cruise with a plan. Cost $30 ...
by jjface
Sat Sep 15, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2522

Re: Rain Jacket recommendations and care

I like my marmot precip. Very similar to the northface one you have and both are rated highly anyway. There are better ones of course but they cost more and I think both of these two have the best price to feature ratio. My wife has that same northface one and likes it.
by jjface
Wed Sep 12, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10396

Re: Argument for taking social security before 70. Comments?

I think survivors benefits are a key consideration. Delaying does increase those as a few others have mentioned.
by jjface
Wed Sep 12, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]
Replies: 45
Views: 4839

Re: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]

At the end of the day we are all different. There is no optimal solution. Earl's portfolio is his and mine is mine. Simplicity is not the only desirable feature otherwise we would all just stick our money in a target fund and be done with it. Even vs a 3 fund portfolio a target fund is surely the si...
by jjface
Wed Sep 12, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Ready to buy iPhone 8 now, but..
Replies: 39
Views: 3478

Re: Ready to buy iPhone 8 now, but..

Thegame14 wrote:
Tue Sep 11, 2018 11:32 am
IPhone 8 getting recall for hardware issue, so check on that.
A small proportion. You make it sound like the entire stock is defective. Also ones sold over 6 months ago.
by jjface
Wed Sep 12, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Ready to buy iPhone 8 now, but..
Replies: 39
Views: 3478

Re: Ready to buy iPhone 8 now, but..

If you are buying new, there won't be much/any discount for an iPhone 8 when the new series of iPhones come out. Apple just doesn't really do discounts. That’s not historical true. The price on brand new older generation iPhones have consistently gone down when new generations of phones are release...
by jjface
Sun Sep 09, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Cheapest way to buy phone for T-mobile
Replies: 18
Views: 1390

Re: Cheapest way to buy phone for T-mobile

I haven't bought a phone in about 6 years but mine is starting to act funny and long story short, I need a new phone. I'm looking for the cheapest way to buy a decent smartphone but the catch is that I have to stay with T-mobile for various reasons. Do I buy it off T-mobile location? Buy somewhere ...
by jjface
Sat Sep 08, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to buy phone for T-mobile
Replies: 18
Views: 1390

Re: Cheapest way to buy phone for T-mobile

Some decent phones that work on tmobile : Moto G6 - $250 - amazon, bestbuy, bh photo etc. Honor 7X - $199 - amazon, bestbuy, bh photo etc Google pixel 1 - $320 - BHphoto.com Moto X4 $200-250 - newegg, amazon etc. Nokia 6.1 - $230 - amazon, bestbuy, newegg etc. Samsung s8 - $450 amazon Oneplus 6 - $5...
by jjface
Fri Sep 07, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Preservation Fund(s)
Replies: 13
Views: 1102

Re: Portfolio Preservation Fund(s)

No magic funds. If you want it to go up more than safe funds then there is risk involved.

Wellesley is a good fund or any of the 40:60 all in one funds. In the past these have lost 15-25% in a crash so be prepared for that. Still have upside potential.
by jjface
Fri Sep 07, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Transfer in-kind between Roth Accounts @ vanguard?
Replies: 10
Views: 939

Re: Transfer in-kind between Roth Accounts @ vanguard?

If they won't do it try another rep. If you still hit a brick wall transfer out to say fidelity and transfer back in the way you want it lol.
by jjface
Tue Sep 04, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: First Time Poster: Are Rental Properties Worthwhile?
Replies: 17
Views: 2344

Re: First Time Poster: Are Rental Properties Worthwhile?

gmaynardkrebs wrote:
Tue Sep 04, 2018 7:49 am
I'd keep the one that's paid off, and sell the second, which has a mortgage.
My thoughts exactly. Sounds like you are already set up with the first and it is working out. The second seems like the headache.
by jjface
Sat Jul 28, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: disposable cell phone
Replies: 19
Views: 1458

Re: disposable cell phone

Get a free phone on the $55 a month plan at cricket. Don't turn on autopay and you can just let it expire when you get home. Some of their free phones require a port in but there are a couple that do not. Just get a new number. The tmobile prepaid sim off ebay would be a good idea but you need an un...
by jjface
Fri Jul 27, 2018 3:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard vs Fidelity representatives
Replies: 15
Views: 2188

Re: Vanguard vs Fidelity representatives

And yet if she was going vanguard to fidelity it would have been super easy. In my experience fidelity are far more competent at transfers. The fact you had to fill out a paper form says it all. I doubt you can generalise from one event anyway. But yes good to know the vanguard rep was doing a good ...
by jjface
Sun Jul 22, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cash position
Replies: 55
Views: 8052

Re: Fidelity cash position

It is 10k in my se401k. You did not click on the note 4 "Initial Group Retirement Investment 4 " listing $10K. "4. Initial minimum investments into group retirement accounts such as Fidelity Simplified Employee Pension-IRA, Keogh, Self-Employed 401(k), and Non-Fidelity Prototype Retirement accounts...
by jjface
Sat Jul 21, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cash position
Replies: 55
Views: 8052

Re: Fidelity cash position

It is 10k in my se401k. You did not click on the note 4 "Initial Group Retirement Investment 4 " listing $10K. "4. Initial minimum investments into group retirement accounts such as Fidelity Simplified Employee Pension-IRA, Keogh, Self-Employed 401(k), and Non-Fidelity Prototype Retirement accounts...
by jjface
Sat Jul 21, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cash position
Replies: 55
Views: 8052

Re: Fidelity cash position

At Fidelity we're holidng a position in FZDXX Fidelity MMKT Premium Class. While it has a high minimum purchase ($100,000.00) it has a current 7-day yield as of 7/3/18 of 1.98%. And, although the minimum initial purchase is $100K, you only need to keep $10K in the fund to keep it open. Furthermore,...
by jjface
Thu Jul 19, 2018 3:17 am
Forum: Personal Finance (Not Investing)
Topic: Semi-Retire by 40-45, possible/realistic?
Replies: 21
Views: 3795

Re: Semi-Retire by 40-45, possible/realistic?

Probably the wrong forum to be seeking advice on early retirement or downsizing work. These just aren't priorities for BHs. BH focus on saving and investing and once they have enough they can do whatever they want whatever that may be. The general idea you have is decent enough. Problem is a lot can...
by jjface
Wed Jul 18, 2018 2:49 am
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 7500

Re: Families - What's your total annual credit card spend?

About 15k-20k. Can't believe some of the figures on here. Not sure how much % goes on there but a lot of it. Not mortgage or taxes but a good proportion of everything else. Family of 3. Why can’t you believe them? Lol maybe because what some charge to credit cards each year could almost buy my hous...
by jjface
Tue Jul 17, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 7500

Re: Families - What's your total annual credit card spend?

About 15k-20k. Can't believe some of the figures on here. Not sure how much % goes on there but a lot of it. Not mortgage or taxes but a good proportion of everything else. Family of 3.
by jjface
Wed Jul 11, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: A Great Investor has only one word of advice
Replies: 7
Views: 1401

Re: A Great Investor has only one word of advice

No no it should be "Bogleheads"!
by jjface
Wed Jul 11, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: Disappointed with Fidelity's Online Interface
Replies: 19
Views: 1856

Re: Disappointed with Fidelity's Online Interface

Just the learning curve because it is new and your old ones did it differently. Give it some time and if you really continue go be frustated then you'll know the other providers worked better.
by jjface
Tue Jul 10, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8890

Re: Amazon won't sell this book to me.

Just note there are about 30 sellers on amazon selling it new and would have sold it to a non prime member. But yes be thankful you got it at a lower price anyway!