Search found 3247 matches

by student
Tue Jun 25, 2019 7:20 am
Forum: Personal Investments
Topic: How can we do better with our investments?
Replies: 5
Views: 478

Re: How can we do better with our investments?

Leasing is not necessarily bad. If the lease is $250 a month and I assume that there is no money down, then it is $3,000 a year. Over 10 years, it is $30,000. My rule of thumb is if the car costs $30,000 new, then leasing is a reasonable alternative. Of course, there is insurance cost for newer cars...
by student
Tue Jun 25, 2019 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 3723

Re: Triage in ER - charged $790

I recently had a small emergency that took me to the ER, after a long business trip. I had to wait about 15 minutes before getting treated. I was swarmed by a team of doctors. They did a battery of tests, including chest x-rays, blood tests, and a heart scan. All of the results were done on the spo...
by student
Tue Jun 25, 2019 6:30 am
Forum: Personal Investments
Topic: 60K to invest
Replies: 6
Views: 633

Re: 60K to invest

Need way more information about her portfolio and financial status. She needs to have an overall investment plan instead of just throwing it all at one fund. She is over all in great shape for her age, 44. She has about 2.3M invested and is about 65%/35% in her long term investments. I would guess ...
by student
Tue Jun 25, 2019 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 18
Views: 2668

Re: Anyone knew the answer where the money is

Thanks for the update and please let us know when Vanguard fixes it.
by student
Tue Jun 25, 2019 4:23 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a condo in Chicago?
Replies: 20
Views: 2355

Re: Should I buy a condo in Chicago?

Single professional guy here who purchased a condo on the northside in Chicago (Uptown) in 2006 or so and later sold it in 2012 or so. I would purchase a condo again, if I found the right one in the right location. I would NEVER purchase one in a building with a small number of units. My condo asso...
by student
Tue Jun 25, 2019 4:19 am
Forum: Personal Investments
Topic: Moving from multiple accounts to Merrill Edge or Premium?
Replies: 12
Views: 777

Re: Moving from multiple accounts to Merrill Edge or Premium?

Those high fee funds in the IRA are awful. 1% compounded over 20 years is 25%. Just simplify down to a few index funds and be done with it. Your broker probably has sample allocations that work fine as a web tool. And don't pay Merrill for account management. This is not hard stuff. If you really d...
by student
Mon Jun 24, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 45
Views: 2899

Re: Citi Bank removing benefits

02nz wrote:
Mon Jun 24, 2019 5:19 pm
Already covered here: viewtopic.php?f=11&t=284071&newpost=460 ... ead#unread
Thanks. Sorry I missed that.
by student
Mon Jun 24, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 45
Views: 2899

Citi Bank removing benefits

[Topic merged into here --- moderator oldcomputerguy] There are reports that Citi Bank is removing a lot of credit card benefits. See https://www.dansdeals.com/credit-cards/brutal-citi-will-nuke-credit-card-benefits-protections-will-banks-follow/ https://www.doctorofcredit.com/citi-removing-most-be...
by student
Mon Jun 24, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Thank you, Honda - repair story
Replies: 17
Views: 1687

Re: Thank you, Honda - repair story

Thanks for the story with an outcome that is acceptable to you.
by student
Mon Jun 24, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Pay Cash for Primary Residence?
Replies: 41
Views: 3746

Re: Pay Cash for Primary Residence?

Thanks for the update. Enjoy your house...
by student
Mon Jun 24, 2019 9:28 am
Forum: Personal Investments
Topic: Worried about the future/not saving enough
Replies: 39
Views: 4681

Re: Worried about the future/not saving enough

Thank you all for the thoughtful replies and advice. The amount of support people provide is incredible and makes me proud to be a member of this fine website. When time allows (I have a toddler so not a lot of free time!) I will try to create a second posting with portfolio advice. I'm not entirel...
by student
Mon Jun 24, 2019 9:25 am
Forum: Personal Investments
Topic: Moving from multiple accounts to Merrill Edge or Premium?
Replies: 12
Views: 777

Re: Moving from multiple accounts to Merrill Edge or Premium?

I would not pay anyone 1%+ to manage my portfolio. If you do not want to manage it yourself, just buy a target date fund. If you have a million dollars, do you want to pay someone $10,000+ each year to manage your account?
by student
Mon Jun 24, 2019 4:12 am
Forum: Personal Consumer Issues
Topic: Vegas - Any Kid friendly inexpensive shows ?
Replies: 17
Views: 1751

Re: Vegas - Any Kid friendly in-expesive shows ?

Includes Dinner ? seriously ? If yes, I will be overjoyed ... thanks everyone for all the good suggestions and we bought Tournament of Knights show for 1 day. Next time we visit we plan on Terry's Factor and mystere I saw Tournament of Kings. It was excellent and it included dinner. Yes. https://ex...
by student
Sun Jun 23, 2019 4:09 pm
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund questions]
Replies: 33
Views: 1344

Re: which is better,fidelity or schwab ??

What are you looking for in a brokerage firm? In my experience, they are very similar and I think either one will work for most people.
by student
Sun Jun 23, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: Vegas - Any Kid friendly inexpensive shows ?
Replies: 17
Views: 1751

Re: Vegas - Any Kid friendly in-expesive shows ?

confusedinvestor wrote:
Fri Jun 21, 2019 10:11 pm
thanks everyone for all the good suggestions and we bought Tournament of Knights show for 1 day. Next time we visit we plan on Terry's Factor and mystere
I saw Tournament of Kings. It was excellent and it included dinner.
by student
Sun Jun 23, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7127

Re: How do you approach tipping at carry-out restaurants

Obviously there is a need to tip here. All those folks being paid substandard wages. Wasn't that a popular issue with Walmart and Amazon? Let's be real here. Restaurants should have mandatory "fees" associated with dining to cover the cost of the table, napkins, wifi, and parking. Just like a resor...
by student
Sun Jun 23, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7127

Re: How do you approach tipping at carry-out restaurants

Deleted reported post quoted here -mighty72 I know you’re joking, but based on the responses above, you have a point. I like to tip because most people working in the restaurant industry that receive tips are not earning a livable wage, and so they depend on tips. They are not getting rich of your ...
by student
Sun Jun 23, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1005
Views: 266746

Re: Share your net worth progression

Since I realized we just hit a new milestone, I'll post my history. Been doing Quicken for over 20 years, so it's pretty easy. The below includes house and vehicles ($1.3M combined as of today). 1997: -$53,000 1998: -$31,000 1999: $100,000 2000: $123,000 2001: $191,000 2002: $295,000 2003: $336,000...
by student
Sun Jun 23, 2019 6:42 am
Forum: Personal Investments
Topic: Yahoo portfolio tracker
Replies: 2
Views: 373

Re: Yahoo portfolio tracker

I prefer Personal Capital and I find morningstar better than yahoo.
by student
Sun Jun 23, 2019 6:41 am
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7127

Re: How do you approach tipping at carry-out restaurants

They liked him so much they'd even make us two of our usual $1.99 ice cream sundae shooters to go and put everything in separate styrofoam containers - the ice cream, the whipped cream, the hot fudge, the extra handful of cherries, etc. Extra everything, too. One Friday they were decorating for the...
by student
Sun Jun 23, 2019 6:30 am
Forum: Personal Investments
Topic: Scared about investing large amount of money
Replies: 24
Views: 2371

Re: Scared about investing large amount of money

I agree with posters who said DCA the money into the market. Personally I am leaning towards over 12 months.
by student
Sun Jun 23, 2019 5:01 am
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7127

Re: How do you approach tipping at carry-out restaurants

Over the past 10 years, Ive noticed a pesky trend evolving. That being, the expectation of a tip before the service is rendered. Plus corollaries like the “standardized” (read: expected) amounts creeping up from 15% to 18% to 20% to 25%. I just feel like things are getting a wee bit out of control....
by student
Sun Jun 23, 2019 4:49 am
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7127

Re: How do you approach tipping at carry-out restaurants

In other countries, restaurants pay their employees a proper wage. Servers in many states get a base wage of $2.13 an hour, though some (not all) do end up getting minimum wage if their tips do not add up to the equivalent amount: https://www.dol.gov/whd/state/tipped.htm The only way to change this...
by student
Sun Jun 23, 2019 4:40 am
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7127

Re: How do you approach tipping at carry-out restaurants

I realize that this is a little off topic, but I haven’t commented on a tipping thread before. There is a new law being touted in our state that would require all restaurant servers to be paid at least minimum wage and then they get to keep their tips. I’m not sure what I think about that. The curr...
by student
Sat Jun 22, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1005
Views: 266746

Re: Share your net worth progression

Currently 31 no kids living with long term girlfriend. Figured I would throw in some high/low lights with mine. 2006 (18) $20K Graduated high school after working close to 30 hours a week junior and senior year of high school 2007 (19) $25-$30K took what you could call a "gap" and started tech scho...
by student
Sat Jun 22, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 104
Views: 7707

Re: Frugal or cheap?

From a financial point of view, you clearly can afford it. Do you want to go through the addition? I also think that you should compare the total cost of adding and the cost of moving.
by student
Sat Jun 22, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase Life Insurance For Adult Child?
Replies: 12
Views: 996

Re: Purchase Life Insurance For Adult Child?

Who will be the beneficiary? I would not put the SIL as beneficiary on your daughter policy.
by student
Sat Jun 22, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7127

Re: How do you approach tipping at carry-out restaurants

I do not tip on carry-out order unless the restaurant do not normally have carry-out service. See guideline from Emily Post Institute. https://emilypost.com/advice/general-tipping-guide/
by student
Sat Jun 22, 2019 4:35 am
Forum: Personal Consumer Issues
Topic: Carryon luggage for international travel
Replies: 25
Views: 2253

Re: Carryon luggage for international travel

I've never had anyone check the size or weight of carry-on on dozens of transatlantic LH flights ... just last month on a DEN-MUC Lufthansa flight. I had to squeeze the bag into their sizer, after which they affixed a tag to let the gate agent know it was OK. Did they weigh it too? Or just make sur...
by student
Fri Jun 21, 2019 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1005
Views: 266746

Re: Share your net worth progression

2006 - Networth 0 or slightly negative, a car with payment, first job post Military, but with some cash in pocket. 2007 - Bought house - Yes at the worst time for Seattle market ... ... 2013 - Paid House off YE2013- 672k YE2014- 804k YE2015- 927k YE2016- 1136k YE2017- 1424k YE2018- 1521k May2019-16...
by student
Fri Jun 21, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1005
Views: 266746

Re: Share your net worth progression

2006 - Networth 0 or slightly negative, a car with payment, first job post Military, but with some cash in pocket. 2007 - Bought house - Yes at the worst time for Seattle market ... ... 2013 - Paid House off YE2013- 672k YE2014- 804k YE2015- 927k YE2016- 1136k YE2017- 1424k YE2018- 1521k May2019-16...
by student
Fri Jun 21, 2019 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Access to joint accounts at spouse’s death
Replies: 31
Views: 2449

Re: Access to joint accounts at spouse’s death

Jack FFR1846 wrote:
Fri Jun 21, 2019 7:25 am
student wrote:
Fri Jun 21, 2019 6:43 am
I remember hearing this joke somewhere: In a joint account, to whom does the money belong? The one who goes to the bank first.
Updated: Whoever has the fastest app. Why would anyone physically walk to a bank?
lol.
by student
Fri Jun 21, 2019 7:46 am
Forum: Personal Consumer Issues
Topic: Prius vs Prius Prime (plug-in)
Replies: 78
Views: 4110

Re: Low Prius Inventory-change strategy?

The Prime is a great option, and with the tax credit, very price competitive. It actually feels like I see nearly as many Prime’s as regular new Prii these days. The regular FWD Prius will be ok in winter, preferably with snow tires, and so long as you remain on regularly cleared roads. You can now...
by student
Fri Jun 21, 2019 7:04 am
Forum: Personal Consumer Issues
Topic: Carryon luggage for international travel
Replies: 25
Views: 2253

Re: Carryon luggage for international travel

My experience is that they care more about weight than size. They usually check the weight.
by student
Fri Jun 21, 2019 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 36
Views: 2146

Re: Ally or Synchrony or other for savings?

They are both reputable and I have heard good things about them. Personally I use Barclays.
by student
Fri Jun 21, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: Prius vs Prius Prime (plug-in)
Replies: 78
Views: 4110

Re: Low Prius Inventory-change strategy?

Hyundai and Kia also have several options of hybrid and plug-in hybrid.
by student
Fri Jun 21, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Prius vs Prius Prime (plug-in)
Replies: 78
Views: 4110

Re: Low Prius Inventory-change strategy?

The Prime is a great option, and with the tax credit, very price competitive. It actually feels like I see nearly as many Prime’s as regular new Prii these days. The regular FWD Prius will be ok in winter, preferably with snow tires, and so long as you remain on regularly cleared roads. You can now...
by student
Fri Jun 21, 2019 6:53 am
Forum: Personal Consumer Issues
Topic: Prius vs Prius Prime (plug-in)
Replies: 78
Views: 4110

Re: Low Prius Inventory-change strategy?

Worth checking out the new Corolla Hybrid, which has the same platform and hybrid powertrain as the Prius, in a more conventional shape. The interior is also more normal and arguably more ergonomically sound. It also has CarPlay, which the Prius still doesn't have. +1. The only negative about it is...
by student
Fri Jun 21, 2019 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Access to joint accounts at spouse’s death
Replies: 31
Views: 2449

Re: Access to joint accounts at spouse’s death

The joint account holder has the complete right to withdraw the entire balance whether or not there has been a death. This is correct. Both joint account holders have full and complete ownership of the account while both are alive and each joint account holder can withdraw the entire balance while ...
by student
Fri Jun 21, 2019 6:35 am
Forum: Investing - Theory, News & General
Topic: The End of Passive Investing?
Replies: 55
Views: 4793

Re: The End of Passive Investing?

I am not concerned. There will also be enough investors who have the ability to beat the market or think they have the ability to beat the market.
by student
Fri Jun 21, 2019 4:19 am
Forum: Personal Investments
Topic: Borrowing to max 403b + IRA?
Replies: 10
Views: 633

Re: Borrowing to max 403b + IRA?

Yes. I think it is a good idea. You are a doctor and you will make good money in a few years so repaying them is not a problem.
by student
Thu Jun 20, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Another Can I retire Post? - Age 58
Replies: 22
Views: 2906

Re: Another Can I retire Post? - Age 58

I guess this depends on whether you are willing to downside your lifestyle. You have a $46k a year pension, which I believe is inflation adjusted. The median household income is about $59k. So you just need about a 1% withdrawal rate to bring your income to $59k. You also have health care, so I woul...
by student
Sat Jun 15, 2019 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Collection agency destroyed my credit report
Replies: 20
Views: 3388

Re: Collection agency destroyed my credit report

I suggest you take a look at creditboards.com.
by student
Mon Jun 10, 2019 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Please critique my budget
Replies: 8
Views: 875

Re: Please critique my budget

You maxed out your 401k already and is saving 35% of take-home pay. Looks very good. The only question that I have is are you saving for your children's education?
by student
Sun Jun 09, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9107

Re: Do you carry Umbrella Insurance?

If they have liability on their house, the insurance company will defend the homeowners in the event of a lawsuit. Tragic, but if the fence was in good working order and someone trespassed on property without an invitation, then hard to see what case they have. You have to think was the homeowner n...
by student
Sun Jun 09, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9107

Re: Do you carry Umbrella Insurance?

Yes, we carry it. Can't help but wonder about a recent tragedy in the news. A 5-year old boy climbed a neighbors fence and drowned in their pool. From all appearances, the fence met code requirements for pools. Wonder if the owners will be sued. Also wonder if they have umbrella liability insurance...
by student
Sun Jun 09, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9107

Re: Do you carry Umbrella Insurance?

Yes, we carry it. Can't help but wonder about a recent tragedy in the news. A 5-year old boy climbed a neighbors fence and drowned in their pool. From all appearances, the fence met code requirements for pools. Wonder if the owners will be sued. Also wonder if they have umbrella liability insurance...
by student
Sun Jun 09, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Credit Card - Signup Bonus Period
Replies: 7
Views: 1065

Re: Fidelity Credit Card - Signup Bonus Period

It’s my general purpose credit card. I’ve had the card for years and never received an offer code. :( That's the reason. You are already using it so there is no need for them to entice you. It seems that the offer is different for everyone and the bonus only kicks in when you spend above the averag...