Search found 3263 matches

by jfave33
Thu Sep 14, 2023 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my business?
Replies: 39
Views: 3687

Re: Should I sell my business?

I doubt you got to where you are today needing the advice of a bunch of strangers for such a personal decision.
by jfave33
Mon Apr 10, 2023 6:05 pm
Forum: Personal Investments
Topic: Vanguard PAS - Feel Like I was Fleeced - Do you Agree?
Replies: 239
Views: 17689

Re: Vanguard PAS - Feel Like I was Fleeced - Do you Agree?

Yes I don't think you understand tax loss harvesting. It is not a real loss.

Plus you have to opt in to tax loss harvesting so you probably did when you signed up.

I think most of the issues appear to be a lack of understanding. Whether Vanguard ought to have explained it better I don't know. Hard to say but also hard to prove so I'd just move on.
by jfave33
Tue Mar 28, 2023 6:43 am
Forum: Personal Consumer Issues
Topic: Verizon 55+ Plan
Replies: 29
Views: 4415

Re: Verizon 55+ Plan

exodusNH wrote: Mon Mar 27, 2023 11:48 pm
StayTheCourse60 wrote: Mon Mar 27, 2023 11:42 pm They offered me a monthly loyalty discount in December. 2 lines, no change in service (5G start), $89. I am 39. The deals seem to be silently and selectively showing up.
I think they are trying to compete with the Verizon MVNOs.

I have two lines with US Mobile in a 7 GB pool. Total cost is just under $33/mo for both. Because my phone has 5G, I get "priority" data, which puts it on par with Verizon prepaid and Xfinity premium service. (Verizon has only two priority levels for the general public.)
It puts you on par with verizon postpaid. All the better plans above start that people pay $$$ for.
by jfave33
Tue Mar 28, 2023 6:37 am
Forum: Personal Consumer Issues
Topic: Verizon 55+ Plan
Replies: 29
Views: 4415

Re: Verizon 55+ Plan

Do people still pay for these plans :oops: The start plans for verizon are junk. Seriously it is criminal to charge that much and that is even supposed to be some special deal?

The start plans are bottom priority plans. You get no benefit from being with the mothership at all. Literally everywhere else offers more for less on the same verizon network.

eg Visible is owned by verizon and offers pretty much the same unlimited plan for $25 a line. Even comes with unlimited hotspot. Pay just $10 more per line and you get priority data like the big boy plans. No extra taxes.
by jfave33
Tue Mar 21, 2023 1:16 pm
Forum: Investing - Theory, News & General
Topic: If I was retiring today, I could comfortably withdraw 5% (mid-30s dad using ERN SWR Toolbox)
Replies: 240
Views: 26495

Re: If I was retiring today, I could comfortably withdraw 5% (mid-30s dad using ERN SWR Toolbox)

Is there a point to this thread? It is obvious the OP is not interested in anything but telling us it will work. I think many are too conservative on here. Anyone for another I have 5 million and spend $80000 can I retire threads? Good luck.
by jfave33
Sun Mar 05, 2023 1:12 am
Forum: Personal Investments
Topic: Rollover from SEP IRA to Self Employed 401K
Replies: 20
Views: 1948

Re: Rollover from SEP IRA to Self Employed 401K

You are still technically breaking the rules. It is a technicality and unlikely to be challenged but still you are maintaining the Sep IRA in the same tax year as the solo 401k. Doesn't matter if you close it by moving to a rollover or sep IRA or keeping it empty. It is still maintained for that tax year. So if you also had your solo 401k open that year you are maintaining two when you are not allowed to. By restating to a prototype sep IRA you can restate the start date as in go back in time and correct the mistake. You can't do that if you just move it into another IRA. But yes as I say you are not likely to be challenged. And the rule is pretty stupid but it is what it is. And you are at least planning not to keep using the sep ira. At ...
by jfave33
Sun Mar 05, 2023 1:05 am
Forum: Investing - Theory, News & General
Topic: Buffett in 2018: A 60/40 portfolio is "absurd" and "foolish"
Replies: 172
Views: 32465

Re: Buffett in 2018: A 60/40 portfolio is “absurd”

It also ignores the behavioural aspects of investing. Unfortunately many investors will act irrationally and a bond holding should reduce the chance of doing something stupid.
by jfave33
Tue Feb 28, 2023 4:43 pm
Forum: Personal Investments
Topic: Rollover from SEP IRA to Self Employed 401K
Replies: 20
Views: 1948

Re: Rollover from SEP IRA to Self Employed 401K

You are still technically breaking the rules. It is a technicality and unlikely to be challenged but still you are maintaining the Sep IRA in the same tax year as the solo 401k. Doesn't matter if you close it by moving to a rollover or sep IRA or keeping it empty. It is still maintained for that tax year. So if you also had your solo 401k open that year you are maintaining two when you are not allowed to. By restating to a prototype sep IRA you can restate the start date as in go back in time and correct the mistake. You can't do that if you just move it into another IRA. But yes as I say you are not likely to be challenged. And the rule is pretty stupid but it is what it is. And you are at least planning not to keep using the sep ira. At l...
by jfave33
Tue Feb 28, 2023 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Currency trading loss goes where on Form 1040?
Replies: 12
Views: 1450

Re: Currency trading loss goes where on Form 1040?

That is if you are trading forex for gain not for changing currency to pay for something.
by jfave33
Mon Feb 13, 2023 4:35 pm
Forum: Personal Investments
Topic: Strategies for Gifting Money to Kids To Minimize Co-Mingling of Assets Going Forward
Replies: 57
Views: 5211

Re: Strategies for Gifting Money to Kids To Minimize Co-Mingling of Assets Going Forward

Why do you want avoid informing the IRS of the gift? Are you trying to hide illegal income (in which case I can’t help you) or do you just want to avoid filling out the form? Because they are staying under the annual gift limit. Should they send a letter to the IRS letting them know anyway, despite there being no requirement to do so? The casualness with which some people on BHs will accuse other people of nefarious deeds never stops astonishing me I don't think they were implying anything nefarious but rather emphasizing how trivial the form filling requirements are. You are correct they weren’t implying. They straight up asked. Are you trying to hide illegal income Sometimes you need to read behind the lines. It reads like a joke not a s...
by jfave33
Fri Feb 10, 2023 8:53 pm
Forum: Personal Investments
Topic: Strategies for Gifting Money to Kids To Minimize Co-Mingling of Assets Going Forward
Replies: 57
Views: 5211

Re: Strategies for Gifting Money to Kids To Minimize Co-Mingling of Assets Going Forward

ScubaHogg wrote: Fri Feb 10, 2023 7:49 pm
Nutmeg wrote: Fri Feb 10, 2023 6:08 pm
Why do you want avoid informing the IRS of the gift? Are you trying to hide illegal income (in which case I can’t help you) or do you just want to avoid filling out the form?
Because they are staying under the annual gift limit. Should they send a letter to the IRS letting them know anyway, despite there being no requirement to do so?

The casualness with which some people on BHs will accuse other people of nefarious deeds never stops astonishing me
I don't think they were implying anything nefarious but rather emphasizing how trivial the form filling requirements are.
by jfave33
Mon Jan 30, 2023 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Side income tax reporting question (resolved)
Replies: 6
Views: 780

Re: Side income tax reporting question

Yes sounds to me like you should be paying tax on it too. But I guess it depends on the contracts involved. Is the contract with you or the university? Who owns the work you or the university? Can the university take the funds and use them elsewhere? Can you withdraw the funds for any reason? etc etc. If you can get them to pay you directly for your own use it sounds like you are in control and should be paying tax regardless of where the money goes. I'm surprised the college legal team isn't involved if it is with them.
by jfave33
Mon Jan 30, 2023 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Witness signature on Will?
Replies: 35
Views: 3067

Re: Witness signature on Will?

When we had our wills notarized at the ups store they were happy to provide witnesses when they had the staff. I called ahead to make sure when the notary was available and checked they were okay providing witnesses. In the end they asked a customer to help since one staff member was occupied with another customer.
by jfave33
Wed Jan 25, 2023 3:12 am
Forum: Personal Investments
Topic: Move from Individual 401k to SEP IRA?
Replies: 8
Views: 820

Re: Move from Individual 401k to SEP IRA?

It is not that difficult. See here for example - https://thefinancebuff.com/form-5500ez- ... -401k.html

If you have an accountant/ tax preparer then they can assist you if you need help.

I certainly wouldn't recommend changing plans for fear of a tax form.
by jfave33
Mon Jan 23, 2023 4:02 pm
Forum: Personal Consumer Issues
Topic: Remote Online Notarization
Replies: 13
Views: 1293

Re: Remote Online Notarization

I've used notarize before for a mailbox application. Very straightforward. Customer service was good too.

Not much else to say it works.

Whether it is acceptable for your document I don't know but don't see why not. They use an electronic seal.
by jfave33
Mon Jan 23, 2023 9:53 am
Forum: Personal Consumer Issues
Topic: Buyer not Wanting Signature Confirmation
Replies: 84
Views: 7020

Re: Buyer not Wanting Signature Confirmation

On ebay you are required to buy signature confirmation for items above $750. I assume it will be over that after taxes so your hands are tied regardless of what the buyer wants.
by jfave33
Mon Jan 23, 2023 12:20 am
Forum: Personal Investments
Topic: How to re-enter market in 2023
Replies: 77
Views: 12551

Re: How to re-enter market in 2023

Nate79 wrote: Sun Jan 22, 2023 4:52 pm Step one is to admit you have no clue what you are doing. Maybe buy a target date fund and set and forget especially since the portfolio is a mess. Your feelings and ability to time the market has failed you.
Yes this nails it for me. The simplicty the OP lacks. Getting to the root of the problem ie the OP thinks they know how to beat the market at every turn and fails. Set and let it run. Everytime the you think you can make it better give yourself a slap on the wrist and leave it alone. By the time social security kicks in they will be fine.
by jfave33
Mon Jan 16, 2023 8:21 pm
Forum: Personal Consumer Issues
Topic: To the Posters w/ Children That Spend Less Than $800/Month on Groceries -- HOW?!?!
Replies: 192
Views: 17290

Re: To the Posters w/ Children That Spend Less Than $800/Month on Groceries -- HOW?!?!

I wouldn't believe everything you read on here. The average boglehead is super human apparently. They eat like kings on $200 a month. Spend more time at home on leisure and family than working and yet work 15 hour days somehow... And are Olympians in the making. All whilst having $5 million in savings and loving their jobs. Their insurance is half what yours is for double the coverage.Never made a mistake in their lives and knew everything that they ever needed at birth etc etc.
by jfave33
Sun Jan 15, 2023 3:59 pm
Forum: Personal Investments
Topic: Rollover from SEP IRA to Self Employed 401K
Replies: 20
Views: 1948

Re: Rollover from SEP IRA to Self Employed 401K

You cannot have a 5305 sep ira and a solo 401k open at the same time period. It is not just whether you contribute. The IRS guidance even notes that to maintain one does not require contributing. If you want to do it properly without any chance of consequences you would move the 5305 SEP IRA to a protoype SEP IRA first eg at schwab (not sure if they still do them) making sure you indicate on the forms you want to restate from the beginning of the year you opened the solo 401k if possible. That way there is no overlap. You could then roll it over into the solo 401k without consequences. If you skip the protoype step I doubt anyone at the IRS would care but just so you know you aren't doing it right and if someone does question it you are in ...
by jfave33
Sun Nov 20, 2022 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: E*Trade as a one stop shop
Replies: 98
Views: 11987

Re: E*Trade as a one stop shop

Thought about it but never got round to trying as I am happy with fidelity.
by jfave33
Wed Nov 16, 2022 5:34 pm
Forum: Personal Consumer Issues
Topic: advice on new unlocked cell phone
Replies: 57
Views: 4740

Re: advice on new unlocked cell phone

If you want it to last forget the moto.

Get a pixel 6a starting tomorrow for $299. A steal. They are currently offering $100 to trade in an iphone 6 too

An iphone se 2022 would also be decent at $429 but is more expensive.
by jfave33
Tue Nov 15, 2022 11:18 pm
Forum: Personal Investments
Topic: Permanently relocating to the UK from US. Should I find a professional to help me with my investments?
Replies: 20
Views: 1724

Re: Indian permanently relocating to the UK from US. Should I find a professional to help me with my investments?

The 401k is fine and will continue under the same treatment when you move to the UK. The brokerage accounts you'll want to make sure that you invest in HMRC reporting funds else the tax treatment can be onerous. The 3 fund portfolio etfs at vanguard are reporting funds VTI, BND and VXUS. Obviously you'll need to be careful with respect to capital gains if that will mean selling anything. And as someone else mentioned vanguard may freeze the account ie no further investments. Schwab is more international friendly. Not sure about fidelity. I suggest you get yourself an ultra mobile paygo sim and set up a us number before you leave for 2fa for banks and brokerages only. https://www.ebay.com/itm/284346097281 https://www.ultramobile.com/paygo/ I...
by jfave33
Thu Nov 10, 2022 3:08 pm
Forum: Non-US Investing
Topic: High Earners in Europe - What do you do for a living (and are there jobs with similar pay as in the US)?
Replies: 118
Views: 19992

Re: High Earners in Europe - What do you do for a living (and are there jobs with similar pay as in the US)?

I don't think it is true at all that this just applies to the higher earners. A mail carrier in the us is probably making nearly twice that gross in the uk for example. And they are certainly not taking home more after all the expenses. Europe is probably the same although of course life in Germany is going to be different than say Hungary. Eastern european mcdonalds workers are probably at $5 an hour vs $15 in the USA.

I would say quality of life is probably better though. More work life balance. Less stress. Less pressure. More support if hard times come about. All in general at least.

It is hard to generalise as housing and salaries in California are going to seem crazy compared to Alabama or Germany to Hungary.
by jfave33
Thu Nov 10, 2022 11:39 am
Forum: Personal Consumer Issues
Topic: Contractor estimates time and scope, but finishes job much faster?
Replies: 65
Views: 5927

Re: Contractor estimates time and scope, but finishes job much faster?

The key is whether they did the job properly and completely. If so pay and move on and be happy. If they rushed and did a shoddy job and they agreed on more then you complain.

The guy with the root canal joke wouldn't be laughing if the root canal was a rushed inadequate job...
by jfave33
Thu Nov 10, 2022 10:56 am
Forum: Personal Investments
Topic: Pro-tip: Vanguard mutual funds available at Fidelity for $5… sort of
Replies: 22
Views: 2093

Re: Pro-tip: Vanguard mutual funds available at Fidelity for $5… sort of

It doesn't have to be a recurring investment. You can turn on and off when you want. Want to buy 10k of wellesley one time just set up an auto invest and once it is bought delete the auto invest.
by jfave33
Wed Nov 09, 2022 9:41 am
Forum: Personal Consumer Issues
Topic: Specific reasons *not* to switch to Android?
Replies: 105
Views: 8299

Re: Specific reasons *not* to switch to Android?

A pixel 6a has 5 years of security updates and costs $299. So no an iphone won't last longer these days. Per Google , the 6a is guaranteed to get Android feature updates until July 2025 (3 years from launch) and security updates until July 2027 (5 years from launch). On the iOS side, the standard is 5-7 years from launch for feature updates. Take the iPhone 5S for example - it launched in 2013 and feature updates ended in 2019, but it received security updates (to iOS 12.x) as recently as two months ago, 9 years after launch. Yes good luck with trying to use an iphone that long. After the 3rd battery replacement and the features apple withholds from older phones with each passing year. To the cellular band upgrades you'll be begging. It wi...
by jfave33
Wed Nov 09, 2022 9:18 am
Forum: Personal Consumer Issues
Topic: French toll roads - electronic tolling only
Replies: 11
Views: 1206

Re: French toll roads - electronic tolling only

Thanks for the update!
by jfave33
Sat Nov 05, 2022 10:10 am
Forum: Personal Consumer Issues
Topic: Specific reasons *not* to switch to Android?
Replies: 105
Views: 8299

Re: Specific reasons *not* to switch to Android?

What you will find is that most people have no clue. Especially Bogleheads it seems. A pixel 6a has 5 years of security updates and costs $299. So no an iphone won't last longer these days. They also have security features like the titan m2 chip and built in vpn. So security isn't necessarily better on iphones. Though the open system of android means you need to practice safe browsing, only install apps from reliable sources etc. One thing about updates and longevity is that apple loves to deny perfectly good phones the latest software features probably to promote sales eg the iphone Xs is a perfectly capable phone but they won't give it a night camera mode introduced in the 11 series. The pixel has had this feature since the very beginning...
by jfave33
Wed Nov 02, 2022 5:39 pm
Forum: Investing - Theory, News & General
Topic: So when do know for sure we are in recession
Replies: 70
Views: 4517

Re: So when do know for sure we are in recession

I know when we will be out of whatever this is... You'll be posting when you should get back in :wink:
by jfave33
Mon Oct 31, 2022 2:15 pm
Forum: Personal Investments
Topic: Please Help Me Invest My 84 Year Old Mom’s Money
Replies: 25
Views: 3223

Re: Please Help Me Invest My 84 Year Old Mom’s Money

I'd just do 100% vtsax total stock market for the 1.2m in iras and brokerage and put the 400k into cds, short term treasuries, cds whatever you prefer.
by jfave33
Sun Oct 30, 2022 11:58 pm
Forum: Investing - Theory, News & General
Topic: Devils advocate [The case against a three-fund portfolio]
Replies: 120
Views: 9070

Re: Devils advocate [The case against a three-fund portfolio]

Basically if you index you won't ever beat the index. Some don't like that. Some people will take the extra risk and do beat the market. Many won't. But you can also take additional risk and still index though eg emerging markets, small value etc. But that is veering off a 3 fund portfolio.

Main issues with the 3 fund portfolio are:
1. Do you need 3? Some say there is no point to international. 2 funds may be all you need.
2. Bonds. Many would say to do ibonds, treasuries etc right now rather than total bond. Which is probably good advice but is leading you away from the 3 fund portfolio.
by jfave33
Fri Oct 28, 2022 11:52 pm
Forum: Personal Investments
Topic: Portfolio Review requested - retired, drawing SS soon
Replies: 21
Views: 2499

Re: Portfolio Review requested - retired, drawing SS soon

You sound like you are over thinking things. You are in great shape and don't need to be switching investments. If you must that is your choice. But I would aim for simplicity and not worry about it. Sounds like you have more than enough income and then some. Congrats.
by jfave33
Sun Oct 23, 2022 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Currency trading loss goes where on Form 1040?
Replies: 12
Views: 1450

Re: Currency trading loss goes where on Form 1040?

Since you are not trading forex I'm pretty sure the sch d route is the way to go. The cash is like any other financial asset you hold like stocks and you treat the forex associated with it in the same way - gains/losses sch d.

Generally you treat forex the same as the underlying transaction. Here you are just holding a capital asset (foreign cash) and selling it. So any forex loss is a capital loss.

I believe the accountant is correct in this case.
by jfave33
Tue Oct 18, 2022 1:47 pm
Forum: Personal Investments
Topic: Question Wellesley vs Wellington
Replies: 30
Views: 7044

Re: Question Wellesley vs Wellington

As others have said you need to consider total return and not worry about dividends vs selling. At the end of the day it is the same result but a dividend heavy fund forces income on you which may be tax disadvantageous. If you don't understand you'll need to do some research Stocks are companies and they either distribute gains or reinvest them. Whether you take the money as dividends or sell some stock it is the same - you are taking the same value out. The most important thing is how risky you want your portfolio. As others have said wellington is 65% stocks and wellesley 35% stocks. Wellesley has lower risk but the lower expected return. Some folks on other popular forums like a 50:50 mix of wellington and wellesley for a 50% stock to b...
by jfave33
Sat Oct 15, 2022 12:27 pm
Forum: Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 17
Views: 4101

Re: Moving from Vanguard to Fidelity

You can hold various vanguard mutual funds and sell them without cost. Yes it costs $75 to buy but if you do it rarely it won't matter much. However, you can avoid that fee by setting up an auto investment which will charge $5 instead. You can start and stop it or change it as you please so if you only want to buy once set it up, let it buy and then cancel for example. You can't do auto investment if the MF isn't available on Fidelity's retail side. VNYUX and VMLUX are not. They can be transferred in, held, sold, and I believe dividends can be reinvested, but one cannot otherwise buy additional shares at all, not even with automatic investment. If one tries to research a fund at Fidelity, and gets a "Mutual Fund Symbol not Valid"...
by jfave33
Sat Oct 15, 2022 12:27 pm
Forum: Personal Investments
Topic: Help- I can’t stick with my IPS!
Replies: 70
Views: 6277

Re: Help- I can’t stick with my IPS!

You have to do something with new money so rebalance each time you add new money. If your allocation to stocks is low buy more stocks and if bonds are low buy more bonds. Rebalancing bands don't seem to work for you.
by jfave33
Sun Oct 09, 2022 9:58 am
Forum: Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 17
Views: 4101

Re: Moving from Vanguard to Fidelity

You can hold various vanguard mutual funds and sell them without cost. Yes it costs $75 to buy but if you do it rarely it won't matter much. However, you can avoid that fee by setting up an auto investment which will charge $5 instead. You can start and stop it or change it as you please so if you only want to buy once set it up, let it buy and then cancel for example.
by jfave33
Mon Oct 03, 2022 5:55 pm
Forum: Investing - Theory, News & General
Topic: If things are so bad, how come the market is up 900 points today?
Replies: 141
Views: 15316

Re: If things are so bad, how come the market is up 900 points today?

It is rigged. Traders manipulating. Using software to auto trade when certain levels are met etc.

Just stay the course. It is the only way to tune out the nonsense.

And don't worry I bought today so it will be down tomorrow
...
by jfave33
Sun Oct 02, 2022 11:08 pm
Forum: Personal Consumer Issues
Topic: Do you keep Vehicle Registration, Insurance card, and Garage door opener in your car? I don't anymore.
Replies: 51
Views: 4637

Re: Do you keep Vehicle Registration, Insurance card, and Garage door opener in your car? I don't anymore.

LittleMaggieMae wrote: Sun Oct 02, 2022 10:48 pm
For those wondering WHY having access to the garage would interest thieves - there are lots of people with attached garages who do not lock their interior door to the garage. So, if you get access to the garage - it's easy to just walk into the house.
The interior door doesn't even have to be unlocked. Open the garage, drive in the uhaul and close the garage door behind you. No one can see you working at the door and taking what you want when inside.
by jfave33
Sun Sep 18, 2022 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to the UK--Banking, Credit Card, Where to Stay
Replies: 17
Views: 1887

Re: Moving to the UK--Banking, Credit Card, Where to Stay

I use wise. It is better than xetrade that I used to use. Interactive brokers would be cheaper but I find it adds complexity I don't want to deal with.

Don't forget he is still liable to us tax.And don't invest in any UK mutual funds or unit trusts as they will be a nightmare for tax (pfic). If he has a us brokerage account make sure that investments are in uk HMRC reporting funds like vti.

As for a bank just open one when you get there. They won't let you open one unless you are uk resident. International accounts tend to be for high networth individuals. Wise has a debit card you can sign up for in the meantime.
by jfave33
Sun Aug 21, 2022 1:01 am
Forum: Personal Investments
Topic: Wellington vs. 3 fund
Replies: 42
Views: 9812

Re: Wellington vs. 3 fund

Just make sure you are allowed to open 2 solo 401ks. I don't know your full situation so can't say if it is okay or not. It isn't usual to have multiple solo 401ks. But perhaps you mean one for yours and one for your spouse's business or something like that.
by jfave33
Tue Aug 16, 2022 12:57 am
Forum: Personal Consumer Issues
Topic: iPad Mini for Travel (in lieu of Laptop)?
Replies: 27
Views: 2762

Re: iPad Mini for Travel (in lieu of Laptop)?

Personally I'd go with a surface go with keyboard. I wouldn't want to be stuck with an ipad as my only device. But my needs may be more demanding.
by jfave33
Sat Aug 13, 2022 10:53 pm
Forum: Personal Investments
Topic: Is Schwab for real?
Replies: 4
Views: 1548

Re: Is Schwab for real?

Have you set up 2fa? That might be why if you haven't
by jfave33
Sun Aug 07, 2022 5:28 am
Forum: Personal Investments
Topic: Vanguard Mutual Funds at Fidelity: Anyone Get a Fee Waiver?
Replies: 21
Views: 3472

Re: Vanguard Mutual Funds at Fidelity: Anyone Get a Fee Waiver?

iamblessed wrote: Fri Aug 05, 2022 11:44 am
jfave33 wrote: Wed Jul 13, 2022 12:19 am A little trick - you can buy using auto investment for $5 to avoid the $75 fee as well. Turn off the auto investment when you've bought what you want. Nice for the odd time or once a year.
Can it all be done online?
yes
by jfave33
Fri Aug 05, 2022 11:37 am
Forum: Personal Investments
Topic: SPHD instead of bonds
Replies: 26
Views: 1909

Re: SPHD instead of bonds

I'd just load up on cash in a high interest account or cds. And have a higher equity allocation as much as you can handle.

But as another has said if you own stocks you own companies that own bonds so are basically owning bonds yourself even if you don't see it.

Some religions cater for their beliefs with special funds that take care of the issues for you. eg Shariah funds You may want to explore these either from your own religion or use one from another that would be acceptable for your own use.
by jfave33
Tue Aug 02, 2022 5:50 am
Forum: Personal Consumer Issues
Topic: Portable power stations
Replies: 10
Views: 1386

Re: Portable power stations

2nd an ecoflow. A $2000 is probably over the top but ypu can get them around $800-1000 for a good portable one. Ecoflow mini might be enough and portable.
by jfave33
Sun Jul 31, 2022 3:32 am
Forum: Investing - Theory, News & General
Topic: I Bonds - only notary needed now to open TD account!
Replies: 21
Views: 3284

Re: I Bonds - only notary needed now to open TD account!

Shows Feb 2022 now. Must have been prematurely added.
by jfave33
Sat Jul 23, 2022 1:42 pm
Forum: Personal Consumer Issues
Topic: I would like a cheap iphone would it be not wise to buy one with a cracked screen on ebay.
Replies: 29
Views: 2571

Re: I would like a cheap iphone would it be not wise to buy one with a cracked screen on ebay.

Buying a used smartphone is a security risk. You do not know its history. Not true. Iphones are perfectly safe once reset (erase all content and settings). The phone may have been jailbroken (rooted) and code installed so that a reset does not take you to the initial state. It is also a theoretical risk with a new phone. I'm willing to take that risk with respect to the manufacturing and sales pipeline, but not with a phone purchased on ebay. Just the phone having been jailbroken even without malicious intent is a security risk, and a significant number of users have done that with iPhones. It could be that Apple has deployed changes that ameliorate this risk, but as an example, an innocuous change to a jail broken phone could cause Apple ...
by jfave33
Fri Jul 22, 2022 4:06 pm
Forum: Personal Consumer Issues
Topic: I would like a cheap iphone would it be not wise to buy one with a cracked screen on ebay.
Replies: 29
Views: 2571

Re: I would like a cheap iphone would it be not wise to buy one with a cracked screen on ebay.

Buying a used smartphone is a security risk. You do not know its history. Not true. Iphones are perfectly safe once reset (erase all content and settings). Else there would be just as much risk of someone buying a new phone and someone in the factory having loaded on something malicious. Please quote any reputable source with an example of a tampered factory reset phone if you disagree. Now you can say there is risk about the history but they are not security risks. These can be minimized with a little effort. Eg did the previous owner use it in the bathroom? Is it stolen etc. Buying from reputable sellers and cleaning them when you get them help with that. Try swappa rather than ebay. I wouldn't buy a cracked one. You can get a refurb tra...