Search found 2536 matches

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: 1600

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: 50
Views: 4126

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: 50
Views: 4126

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: 333

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: 815

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: 2338

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: 111
Views: 7307

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: 4467

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: 3289

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: 3289

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: 1298

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: 1298

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: 1061

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: 829

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: 2240

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: 1402

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: 2023

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: 7173

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: 7173

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: 7173

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: 3681

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: 7119

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: 7119

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: 1354

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: 1751

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: 8710

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!
by jjface
Mon Jul 09, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Mobile service with RedPocket
Replies: 19
Views: 1028

Re: Mobile service with RedPocket

I'm a happy redpocket customer. Not much to say other than it works. Customer service via chat is fine and their dashboard has enough info on there. I think though that if you want to use sprint there are better options. The first would be to get the free year of unlimited with sprint postpaid. http...
by jjface
Mon Jul 09, 2018 1:19 am
Forum: Investing - Theory, News & General
Topic: Article: Rich kids are counting on inheritance to pay for retirement
Replies: 31
Views: 4690

Re: Article: Rich kids are counting on inheritance to pay for retirement

I'm not sure I care what 18-22 year old high school and college kids think. How did they break away from the beer pong long enough to do the survey? Lets check again when they grow up. Really? Are you suggesting that everybody aged 18 - 22 are heavy beer drinkers and that there are not a large numb...
by jjface
Sun Jul 08, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Schwab
Replies: 18
Views: 2282

Re: Fidelity vs Schwab

Customer service: I think Schwab has the edge but fidelity isn't far off. Schwab has some nice things like 24/7 chat but fidelity closes its chat each night. Mutual funds: Fidelity ETFs: Either Bonds: Fidelity Solo 401k: Fidelity Checking account: Both are good Credit card: Fidelity retirement/educ...
by jjface
Sun Jul 08, 2018 8:33 pm
Forum: Investing - Theory, News & General
Topic: Wellesley alternative for taxable acct.?
Replies: 25
Views: 2987

Re: Wellesley alternative for taxable acct.?

There are no alternatives that will give you what ever it is you are looking for in wellesley. If you want wellesley then you have to decide if the tax situation is worth it. If not then pick something else.
by jjface
Sun Jul 08, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds (I want to be socially irresponsible)
Replies: 34
Views: 2059

Re: Socially Responsible Funds (I want to be socially irresponsible)

On general principles, every tool does one thing best. Another saying is "no slave can serve two masters". My view of an investment: it can either do a good job achieving my financial goal or a social responsibility goal, but not both. So for me, if I wanted to feel better about myself, I would go ...
by jjface
Sat Jul 07, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Schwab
Replies: 18
Views: 2282

Re: Fidelity vs Schwab

Customer service: I think Schwab has the edge but fidelity isn't far off. Schwab has some nice things like 24/7 chat but fidelity closes its chat each night. Mutual funds: Fidelity ETFs: Either Bonds: Fidelity Solo 401k: Fidelity Checking account: Both are good Credit card: Fidelity retirement/educa...
by jjface
Sat Jul 07, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: point and shoot digital cameras
Replies: 35
Views: 3165

Re: point and shoot digital cameras

pennylane wrote:
Sat Jul 07, 2018 6:08 pm
Don’t waste your money. Use an iPhone.
Don't waste your money. Use a google pixel 2 or a samsung S9.
by jjface
Sat Jul 07, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 15084

Re: How to "retire" in your 30's article

...I can't believe anyone with $5million and 50k expenses is still worried about retiring! He must just be bragging :annoyed Why would you assume he is bragging? If so, why would you be annoyed? Do you think he wants to fool you? Why not stop reading the thread? LOL you selectively quoted me. I was...
by jjface
Sat Jul 07, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 15084

Re: How to "retire" in your 30's article

The main point is that they saved up enough to be financially independent and can do whatever the heck they want to. His wife chose to work and he chose to stay at home. I think the point we're making is "how do we know they saved up enough to be financially independent?" The fact that the wife is ...
by jjface
Sat Jul 07, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 9793

Re: What rate of return are you using for retirement projections?

I think one should use a range as well as using tools like firecalc and i-orp.
by jjface
Sat Jul 07, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Which route for older adult with no retirement?
Replies: 19
Views: 2537

Re: Which route for older adult with no retirement?

Unfortunately for lower income couples the decision to go roth or traditional ira is a little more complicated due to tax credits. Having a lower income doesn't mean a lower marginal tax rate. Since a traditional IRA lowers your taxable income it could mean considerable tax savings through increase...
by jjface
Sat Jul 07, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 15084

Re: How to "retire" in your 30's article

Doesn't seem like anyone retired to me. One person chose to be a stay at home parent and the other chose reduced hours. People make this decision every day. The reasons behind the decision are obviously vastly different. I should think anyone can see that. If you have enough to live off for life yo...
by jjface
Sat Jul 07, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Which route for older adult with no retirement?
Replies: 19
Views: 2537

Re: Which route for older adult with no retirement?

Unfortunately for lower income couples the decision to go roth or traditional ira is a little more complicated due to tax credits. Having a lower income doesn't mean a lower marginal tax rate. Since a traditional IRA lowers your taxable income it could mean considerable tax savings through increased...
by jjface
Fri Jul 06, 2018 1:33 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 15084

Re: How to "retire" in your 30's article

Good for you Marc. A lot of people don’t understand that being frugal isn’t painful. Or that you can have a wonderful life without spending a lot. A lot don’t understand wanting to spend all that extra time with your family. I do so yes thank you for sharing. It isn’t always easy to have your life o...
by jjface
Thu Jul 05, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11905

Re: SS taken at 62 vs. 70, but measured from 70+

OP I think you are getting a tad confused. You don't get an extra 8% return from 62-70 and then nothing. You give up 25% income for life by taking early at 62 and you get an extra 8% income for life each year deferring from 67-70. ............................. But thinking that taking early and inv...
by jjface
Wed Jul 04, 2018 12:06 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11905

Re: SS taken at 62 vs. 70, but measured from 70+

Let me illustrate: SS at 62 = $15k SS at 70 = $25k Using OPs unrealistic 4% real return taking early would give an extra nest egg of $138k at age 70. 4% return is then $5500. But you are getting $10,000 less income now at 70 for life since you took it early. So each year that nest egg of $138k will ...
by jjface
Wed Jul 04, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11905

Re: SS taken at 62 vs. 70, but measured from 70+

OP I think you are getting a tad confused. You don't get an extra 8% return from 62-70 and then nothing. You give up 25% income for life by taking early at 62 and you get an extra 8% income for life each year deferring from 67-70. Basically the SSA actuaries will have priced social security to be ne...
by jjface
Wed Jul 04, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Anxiety Spending Money
Replies: 52
Views: 5552

Re: Anxiety Spending Money

You make $45k and live at home. Seems like you are in a good position to wipe out those student loans very quickly (get that off your shoulders first) and then start your investing. What you want is a simple 4-6 line budget to plan out what you are going to do with your paycheck. If you know what ev...
by jjface
Wed Jul 04, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2667

Re: Surface Pro(2017) vs 10.5" iPad Pro

Hands down surface pro
by jjface
Sun Jul 01, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Do we start the house buying process?
Replies: 25
Views: 2341

Re: Do we start the house buying process?

You know the saying if it is too good to be true it probably is.

now $100 a month rent/utilities in a decent house. I'd stick with it until they threw me out. That is something that is too good to be true but is true!

"free housing, which I consider a blessing. "
by jjface
Sat Jun 30, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Missed June estimated tax payment deadline. Now what?
Replies: 17
Views: 2158

Re: Missed June estimated tax payment deadline. Now what?

Get online and sign up for the online payment system EFTPS. Schedule your payments so if you forget at least something reasonable is paid on time.
by jjface
Sat Jun 30, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 59
Views: 5580

Re: What is your one favorite Fidelity Fund??

FFNOX Fidelity four in one.

I wish they would come out with a range of "lifestrategy" funds but this one is pretty good if a high stock allocation is what you want. I prefer it to the vanguard equivalent because of the lower international exposure.